AIB

AIB is part of the AIB group. It was founded in 1991 and forms part of one of the Big Four banks in Ireland.

AIB was formerly known as First Trust in Northern Ireland.

It offers a range of banking products, including current accounts, savings accounts, mortgages, loans, credit cards and travel insurance.

Their headquarters are based in Belfast.


AIB
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Bank accounts

Ranked 24th of 34 providers reviewed.

Customer happiness 53%
Customer trust 52%
Complaints performance 73%
Transparency rating 38%
Fairer Finance score
Reviewed Autumn 2019
54%

Bank accounts

Current accounts

AIB

Classic Account

4 stars
Faster Payment limit i £15,000
Maximum cash machine withdrawal per day i £500
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0
Card payment fee (£) i £0
App capability? i

Foreign use bank accounts

AIB

Classic Account

3 stars
Foreign cash withdrawal fee i 2.75% (+ 1.5% if non-euro)
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Credit cards

Cashback and reward credit cards

AIB

Options One

4 stars
Reward extras i
Estimated amount of money customers get back in the 1st year (minus annual fee) i £95.99
Estimated amount of money customers get back after the 1st year (minus annual fee) i £95.99
Risk based? i
Annual fee after 1st year i £0
Foreign purchase fee i 2.75%

Foreign use credit cards

AIB

Options One

2 stars
Representative APR i 18.90%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 1.50%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 56 days
Representative purchase rate i 1.45%

AIB

Options Two

2 stars
Representative APR i 16.90%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 1.50%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 51 days
Representative purchase rate i 1.31%

AIB

Student

2 stars
Representative APR i 12.90%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 1.50%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 56 days
Representative purchase rate i 1.02%

Low rate credit cards

AIB

Options Two

2 stars
Representative APR i 16.90%
Representative cash transaction interest rate i 1.31%
Representative purchase rate i 1.31%
Risk based? i
Representative balance transfer rate i 1.31%
Representative money transfer rate i

AIB

Student

1 stars
Representative APR i 12.90%
Representative cash transaction interest rate i 1.02%
Representative purchase rate i 1.02%
Risk based? i
Representative balance transfer rate i
Representative money transfer rate i