How it works?

• When will I receive an Account Alert Text message?

  You will receive an Account Alert text message if:

  • your account goes into an unarranged overdraft
  • you do not have enough money to cover item(s) presented on your account
  • you have pre-notified fees which are due to be posted to your account and you don’t have enough money to cover
  • your account is overdrawn and further item(s) have been presented
  • item(s) were posted to your account last night and you have incurred charges
  • you have incurred charges but your account is now back in order
  • your account has been overdrawn for a number of days
• What will an Account Alert text message say?

  Here is sample of the text we may send you.  It will detail the last 3 digits of your personal Current Account the message relates to, together with the time and date the message was generated.

  Account Alert: As at 6.19am on 4 May 2017, you didn’t have enough money in your AIB (NI) account ending 093 to cover outgoing payments.  Please lodge cleared funds into this account before 2pm today to avoid charges. You can log into Online Banking or the Mobile App to view your account.

• When will I receive an Arranged Overdraft Alert Text message?

  You will receive an Arranged Overdraft Alert if:

  • your account is going to make use of your Arranged Overdraft that day or;
  • your account is making use of your Arranged Overdraft
• What will the Arranged Overdraft Alerts say?

  Here is a sample of the text we may send you. It will detail the last 3 digits of your personal Current Account the message relates to, together with the time and date the message was generated.

  Arranged Overdraft Alert
  You are now using your arranged overdraft on AIB (NI) account ending 123 (as of 1 Dec 2019) and you may incur charges.
  You can log onto Online Banking or the Mobile App to view your account

• What will my Balance Alert say?

  Here is a sample of the text we may send you if you have set a Balance Alert limit.  It will detail the last 3 digits of your personal Current Account the message relates to, together with the time and date the message was generated.

  Balance Alert: You have dropped below your Balance Alert limit on your AIB (NI) account ending 093 (as at 6.19am on 4 May 2017). You can log into Online Banking or the Mobile App to view your account.

• What should I do when I receive an Alert?
  • Check your account through Online Banking or the Mobile App.
  • If required, lodge cleared funds before 14:00 to your account to cover any item(s) which have been presented.

  Please note:  Alerts are automated text message notifications, which you cannot reply to.

• How do I update my mobile telephone number?

  If you are registered for Online, Mobile and Phoneline Banking, you can simply log in to Online Banking to update your number. Select ‘My Details’ from the ‘Services & Settings’ drop down menu and follow the onscreen instructions (you will need your card reader to complete this process).

  Or, speak to a Customer Service Adviser

  If you are registered for Online, Mobile and Phoneline Banking, call Phoneline Banking on 0345 793 0000^†, log in and choose option zero (0) to speak to a Customer Service Adviser.  Our advisers are available Monday - Sunday 09:00 - 17:00 (excluding Bank Holidays). 

  If you are not registered for Online, Mobile and Phoneline Banking call 0345 6005 925^† to speak to a Customer Service Adviser (Monday - Friday 09:00 - 17:00, excluding Bank Holidays).  Once they have completed some standard security questions with you an adviser will be happy to help you.