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.

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Bank accounts

13 products reviewed

Current accounts

1 product reviewed

AIB

Classic Account

Feature Value
Annual fee
£0.00
Maximum cash machine withdrawal per day
£500.00
Part of FSCS Yes
PayPoint Deposits No
Card payment fee (£)
£0.00
Monthly Fee
£0.00
Debit Cards

3 products reviewed

AIB

Graduate Account

Feature Value
Card payment fee (£)
£0.00
Debit card? Yes
Maximum cash machine withdrawal per day
£500.00
Number of Free Replacement Cards
0
Account Type
Student
Monthly Fee
£0.00
AIB

Student+ Account

Feature Value
Card payment fee (£)
£0.00
Debit card? Yes
Maximum cash machine withdrawal per day
£500.00
Number of Free Replacement Cards
0
Account Type
Student
Monthly Fee
£0.00
AIB

Classic Account

Feature Value
Card payment fee (£)
£0.00
Debit card? Yes
Maximum cash machine withdrawal per day
£500.00
Number of Free Replacement Cards
0
Account Type
Current
Monthly Fee
£0.00
Foreign use bank accounts

6 products reviewed

AIB

Graduate Account

Feature Value
Foreign cash withdrawal fee
4.25%
Foreign cash withdrawal additional charge
£0.00
Foreign purchases fee
2.75%
Is there a limit on free cash withdrawals?
No free cash withdrawals
Monthly Fee
£0.00
AIB

Student+ Account (Inside Europe)

Feature Value
Foreign cash withdrawal fee
2.75%
Foreign cash withdrawal additional charge
£0.00
Foreign purchases fee
2.75%
Is there a limit on free cash withdrawals?
No free cash withdrawals
Monthly Fee
£0.00
AIB

Classic Account (Inside Europe)

Feature Value
Foreign cash withdrawal fee
2.75%
Foreign cash withdrawal additional charge
£0.00
Foreign purchases fee
2.75%
Is there a limit on free cash withdrawals?
No free cash withdrawals
Monthly Fee
£0.00
AIB

Graduate Account (Inside Europe)

Feature Value
Foreign cash withdrawal fee
2.75%
Foreign cash withdrawal additional charge
£0.00
Foreign purchases fee
2.75%
Is there a limit on free cash withdrawals?
No free cash withdrawals
Monthly Fee
£0.00
AIB

Classic Account

Feature Value
Foreign cash withdrawal fee
4.25%
Foreign cash withdrawal additional charge
£0.00
Foreign purchases fee
2.75%
Is there a limit on free cash withdrawals?
No free cash withdrawals
Monthly Fee
£0.00
AIB

Student+ Account

Feature Value
Foreign cash withdrawal fee
4.25%
Foreign cash withdrawal additional charge
£0.00
Foreign purchases fee
2.75%
Is there a limit on free cash withdrawals?
No free cash withdrawals
Monthly Fee
£0.00
Overdrafts

1 product reviewed

AIB

Classic Account

Feature Value
Risk based overdraft? No
Arranged overdraft interest free amount
£200.00
Arranged overdraft interest rate (representative EAR)
19.86%
Monthly Fee
£0.00
Student bank accounts

2 products reviewed

AIB

Student+ Account

Feature Value
Arranged overdraft limit
£1,850.00
Tiered repayment of overdraft No
Switching / sign up incentive
N/A
Monthly Fee
£0.00
AIB

Graduate Account

Feature Value
Arranged overdraft limit
£1,000.00
Tiered repayment of overdraft No
Switching / sign up incentive
N/A
Monthly Fee
£0.00

Credit cards

4 products reviewed

Foreign use credit cards

4 products reviewed

AIB

Visa Gold Card

Feature Value
Representative APR
0%
Foreign purchase fee
2.75%
Foreign withdrawal fee
4.25%
Number of days before interest is charged on non-sterling cash transactions
0 days
AIB

Student

Feature Value
Representative APR
12.9%
Foreign purchase fee
2.75%
Foreign withdrawal fee
4.25%
Number of days before interest is charged on non-sterling cash transactions
56 days
AIB

Options Two Card

Feature Value
Representative APR
16.9%
Foreign purchase fee
2.75%
Foreign withdrawal fee
4.25%
Number of days before interest is charged on non-sterling cash transactions
51 days
AIB

Options One Card

Feature Value
Representative APR
18.9%
Foreign purchase fee
2.75%
Foreign withdrawal fee
4.25%
Number of days before interest is charged on non-sterling cash transactions
56 days

Personal loans

1 product reviewed

AIB

Personal Loan

Feature Value
Representative APR (on £2,000 loan, 36 month term)
16.4%
Representative APR (on £5,000 loan, 36 month term)
7.9%
Representative APR (on £15000 loan, 36 month term)
7.1%
Unpaid Repayment Fee
£0.00
Early settlement fee (Days interest)
0 days
Minimum borrowing amount
£1,000.00
Maximum borrowing amount
£25,000.00
Minimum borrowing length
12 months
Maximum borrowing length
60 months

Savings Accounts

4 products reviewed

Easy Access Accounts

2 products reviewed

AIB

Select Account

Feature Value
Interest Rate (AER)
1.5%
Balance Tiers
1.5% from £0
Minimum Opening Balance
£0.00
Withdrawal Penalty
N/A
Part of FSCS Yes
Bonus Rate
N/A
AIB

Demand Deposit Account

Feature Value
Interest Rate (AER)
1.5%
Balance Tiers
1.5% from £1
Minimum Opening Balance
£1.00
Withdrawal Penalty
N/A
Part of FSCS Yes
Bonus Rate
N/A
Easy Access Accounts (Less than £3000)

1 product reviewed

AIB

Demand Deposit Account

Feature Value
Interest Rate (AER)
1.5%
Balance Tiers
1.5% from £1
Part of FSCS
TRUE
Minimum Opening Balance
£1.00
Additional Opening Criteria
N/A
Average Interest Rate (AER)
1.83%
Bonus Rate
N/A
Average Interest Rate (AER) 12-months
2.25%
Easy Access Accounts (£3000 or more)

1 product reviewed

AIB

Demand Deposit Account

Feature Value
Interest Rate (AER)
1.5%
Balance Tiers
1.5% from £1
Part of FSCS
TRUE
Minimum Opening Balance
£1.00
Additional Opening Criteria
N/A
Average Interest Rate (AER)
1.83%
Bonus Rate
N/A
Average Interest Rate (AER) 12-months
2.25%

Savings Accounts (ISAs)

1 product reviewed

Easy Access ISAs

1 product reviewed

AIB

Cash ISA

Feature Value
Interest Rate (AER)
3.5%
Minimum Opening Balance
£50.00
Part of FSCS Yes
Withdrawal Penalty
N/A

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Bank accounts

Ranked 18th of 23 providers reviewed

Customer happiness score 52.79%
Customer trust score 59.32%
Complaints performance 76.37%
Transparency rating 72.1%

Fairer Finance Score

Reviewed Autumn 2026

 65.15%

Credit cards

Ranked 32nd of 33 providers reviewed

Customer happiness score 50.06%
Customer trust score 43.74%
Complaints performance 76.37%
Transparency rating 42.72%

Fairer Finance Score

Reviewed Autumn 2026

 53.22%