Features and benefits

• No monthly maintenance fees during the term of the account

  With a Student+ Account, you can enjoy banking free from monthly maintenance fees.

  You may have to pay support fees for other services. Please see our price list for more details.

• An interest-free overdraft of up to £1,850 (subject to status)

  The first £1,850 of any arranged overdraft (subject to status) will be interest-fee (0% EAR variable).  This is not an automatic overdraft and you must apply if you require one.

  There is no fee for arranging or using the agreed overdraft whilst you hold the Student+ Account.

  See the 'Important information' section below for more details about borrowing us.

  _{*EAR stands for equivalent annual rate and does not include any extra charges (for example arrangement fees) that may apply.}

• No commission charge for foreign currency

  You will not pay any commission charges on foreign currency notes transactions.

  For more information on the currencies AIB (NI) offer and on how to order, please click here.

• Easy access to your money with our Visa debit card

  A Visa debit card allows you to make purchases and withdraw money from your bank account worldwide*. You can use your card in shops, at cash machines and online wherever Visa Debit is accepted. You can also check your balance at any AIB (NI) or AIB cash machine.

  _{*Charges may apply for using your card abroad.  See our price list for more details.}

• Bank securely at a time and place that suits you

  AIB (NI) Online, Mobile or Phoneline Banking puts you in control of your finances. Many of the things you do at the branch counter you can do sitting at home with Online Banking - checking your balances, paying your bills, transferring money, ordering a statement and carrying out a cheque search.

  See our full range of Ways to Bank options

• Text Alerts to help you manage your account

  An Account Alert is a text message notification we’ll send you to help you manage your Current Account.

  An Arranged Overdraft Alert is a text message notification we’ll send you to help you manage your Arranged Overdraft on your Personal Current Account.

  If we hold an up to date mobile telephone number, we will send you a text message to help you avoid charges and keep your account in credit or within any agreed overdraft.

  If you are registered for Online Services, you can also register for Balance Alerts which is a text message we can send you when your account has dropped below an amount that you set.

  For more information on Account and Balance Alerts, click here.

• Student Visa Credit Card or Student Loan facility available to help you budget during term time (subject to eligibility)

  We have a range of flexible finance options in addition to an overdraft to help you manage the cost of investing in education throughout the full university cycle.

  Our Student Visa Credit Card gives you spending power in your pocket whether it's for every day essentials or to take advantage of those last minute online deals.

  Ask one of our in-branch student advisers for more details or if you need any advice on managing your finances.

• Seamlessly move into the Graduate Account when you finish your studies

  When you finish your studies, we will convert your account to a Graduate Account.

  Your account details will not change and we will contact you at this stage to confirm this change.

• Switch your student banking to us 'stress-free' in seven working days

  
  

  Switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current account provider we offer the following guarantee:

  • The service is free to use and you can choose and agree your switch date with us.
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.
• Open your account today

  To open a new Student+ Account, simply call into your local AIB branch.

  For Non AIB students you will need to bring your UK university or college issued student identity card or proof of your acceptance to university or college (such as a UCAS letter) confirm you are eligible to open the account.

  Please note you must be a UK resident to open an account with us.

  If you hold an existing Current or Student 12-18 Account with us, you can swap to the Student+ Account without opening a new account.

  We will need to see proof of your identity and address.  If you are not sure what proof we accept, click here or speak to a customer service adviser on 0345 6005 925^†.  
  Complete the relevant forms and we will do the rest