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 9th of 28 providers reviewed.

Customer happiness 67.86%
Customer trust 67.14%
Complaints performance 74.9%
Transparency rating 72.61%
Fairer Finance score
Reviewed Spring 2022
71%

Credit cards

Ranked 30th of 30 providers reviewed.

Customer happiness 33.72%
Customer trust 34.56%
Complaints performance 74.9%
Transparency rating 34.34%
Fairer Finance score
Reviewed Spring 2022
44%

Mortgages

Ranked 21st of 21 providers reviewed.

Customer happiness 53.57%
Customer trust 52.98%
Complaints performance 56.25%
Transparency rating 49.7%
Fairer Finance score
Reviewed Spring 2022
53%

Personal loans

Ranked 15th of 25 providers reviewed.

Customer happiness 59.29%
Customer trust 53.57%
Complaints performance 70%
Transparency rating 55.31%
Fairer Finance score
Reviewed Spring 2022
60%
Gold ribbon: first place

Savings accounts

Ranked 11th of 49 providers reviewed.

Customer happiness 73.86%
Customer trust 72.16%
Complaints performance 74.91%
Transparency rating 58.76%
Fairer Finance score
Reviewed Spring 2022
70%

Bank accounts

Current accounts

AIB

Classic Account

3 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 15.62%

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

1 stars
Reward extras i
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

2 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 1.5%
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

2 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 1.5%
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

2 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 1.5%
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%