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 17th of 28 providers reviewed.

Customer happiness 62.07%
Customer trust 60.34%
Complaints performance 71.45%
Transparency rating 70.19%
Fairer Finance score
Reviewed Autumn 2022
66%

Credit cards

Ranked 31st of 31 providers reviewed.

Customer happiness 33.42%
Customer trust 33.42%
Complaints performance 71.45%
Transparency rating 37.97%
Fairer Finance score
Reviewed Autumn 2022
44%

Mortgages

Ranked 22nd of 23 providers reviewed.

Customer happiness 55.7%
Customer trust 57.02%
Complaints performance 62.12%
Transparency rating 55.15%
Fairer Finance score
Reviewed Autumn 2022
58%

Personal loans

Ranked 15th of 26 providers reviewed.

Customer happiness 68.42%
Customer trust 56.58%
Complaints performance 69%
Transparency rating 57.47%
Fairer Finance score
Reviewed Autumn 2022
63%
Gold ribbon: first place

Savings Accounts

Ranked 19th of 50 providers reviewed.

Customer happiness 67.48%
Customer trust 60.98%
Complaints performance 71.45%
Transparency rating 66.89%
Fairer Finance score
Reviewed Autumn 2022
67%

Bank accounts

Current accounts

AIB

Classic Account

2 stars
Annual fee i £0.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Foreign use bank accounts

AIB

Graduate Account

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

AIB

Classic Account

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

AIB

Student+ Account

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Overdrafts

AIB

Classic Account

4 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £200.00
Arranged overdraft interest rate (representative EAR) i 20.15%

Student bank accounts

AIB

Student+ Account

3 stars
Arranged overdraft limit i £1,850.00
Tiered repayment of overdraft i
Switching / sign up incentive i

AIB

Graduate Account

1 stars
Arranged overdraft limit i £1,000.00
Tiered repayment of overdraft i
Switching / sign up incentive i

Credit cards

Cashback and reward credit cards

AIB

Options One

2 stars
Reward extras i
Representative APR i 18.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.75%

Foreign use credit cards

AIB

Options One

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 4.25%
Representative APR i 18.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.453%

AIB

Options Two

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 4.25%
Representative APR i 16.9%
Number of days before interest is charged on non-sterling cash transactions i 51 days
Risk based? i
Representative purchase rate i 1.31%

AIB

Student

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 4.25%
Representative APR i 12.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.017%

Personal loans

AIB

Personal Loan

Representative APR (on £5,000 loan, 36 month term) 5.6%
Unpaid Repayment Fee i £0.00
Early settlement fee (Days interest) 0 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £25,000.00
Minimum borrowing length 12 months
Maximum borrowing amount 60 months

Savings Accounts

1 Year Fixed Rate Accounts

AIB

Fixed Rate Saver

Interest Rate (AER) i 2.75%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. You can choose to reinvest in a similar account, withdraw the funds or reinvest part of the funds.
Part of FSCS i
Maximum Balance i £200,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i Must have a payment account with AIB (GB)
Can you make early withdrawals? i
Withdrawal Penalty (days) i

2 Year Fixed Rate Accounts

AIB

Fixed Rate Saver

Interest Rate (AER) i 3%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be paid into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £200,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i You must hold a suitable AIB (NI) payment account in order to open a Fixed Rate Saver
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Easy Access Accounts

AIB

Select Account

Interest Rate (AER) i 0.6%
Maximum Balance i Unlimited
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £0.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

AIB

Demand Deposit Account

Interest Rate (AER) i 0.6%
Maximum Balance i Unlimited
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £0.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Savings Accounts (ISAs)

Easy Access ISAs

AIB

Cash ISA

Interest Rate (AER) i 1%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £50.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?