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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Gold ribbon: first place

Bank accounts

Ranked 6th of 34 providers reviewed.

Customer happiness 66.16%
Customer trust 67%
Complaints performance 90.63%
Transparency rating 62.73%
Fairer Finance score
Reviewed Spring 2021
72%
Gold ribbon: first place

Mortgages

Ranked 7th of 21 providers reviewed.

Customer happiness 65.37%
Customer trust 60.23%
Complaints performance 88%
Transparency rating 51.16%
Fairer Finance score
Reviewed Spring 2021
66%
Gold ribbon: first place

Savings accounts

Ranked 6th of 50 providers reviewed.

Customer happiness 74.74%
Customer trust 67.13%
Complaints performance 90.66%
Transparency rating 52.28%
Fairer Finance score
Reviewed Spring 2021
71%

Bank accounts

Current accounts

AIB

Classic Account

3 stars
Annual fee i £0
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

Graduate Account

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

AIB

Student Account

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

AIB

Classic Account

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Overdrafts

AIB

Classic Account

4 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £200
Arranged overdraft interest rate (representative EAR) i 15.62%

Student bank accounts

AIB

Student Account

4 stars
Arranged overdraft limit i £1,850
Tiered repayment of overdraft i Not available
Switching / sign up incentive i
Cost scenario i £38.16

AIB

Graduate Account

4 stars
Arranged overdraft limit i £1,000
Tiered repayment of overdraft i Not available
Switching / sign up incentive i
Cost scenario i £38.16
Cost scenario i

Credit cards

Cashback and reward credit cards

AIB

Options One

3 stars
Reward extras i
Estimated amount of money customers get back in the 1st year (minus annual fee) i £120.99
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

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

AIB

Options Two

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 2.75%
Representative APR i 16.90%
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 2.75%
Representative APR i 12.90%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.02%