AIB - Personal Bank Account

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Product details

Provider:	AIB
Product name:	Personal Bank Account ^{Footnote 3 ˅}
Website:	AIB

Day to day banking fees
Branch transaction:	€0.30
Contactless payments:	€0.00^{Footnote 4 ˅}
Debit/Laser card/ATM transaction fee:	€0.20
Internet transaction:	€0.20
Phone transaction:	€0.20

Payment fees
Cheque processing fee:	€0.30
Credit transfers:	€0.00
Direct debit Fee:	€0.20
Direct debit set-up:	€0.00
Standing order amendment:	€0.00
Standing order fee:	€0.20
Standing order set-up:	€0.00

Fees for non-payment
Cheque lodged/returned unpaid:	€4.44
Cheque retrieval:	€0.00
Cheque/direct debit returned from account:	€10.00
Referral item fee:	€5.15^{Footnote 2 ˅}
Standing order unpaid:	€10.00
Stop payment instruction:	€0.00

Overdraft fees
Nominal interest charged on authorised overdraft:	11.85%
Overdraft renewal fee:	€25.39 facility fee per annum or per overdraft sanction, whichever is the more frequent
Overdraft set up fee:	€25.39 facility fee per annum or per overdraft sanction, whichever is the more frequent
Surcharge interest on unauthorised overdraft:	12.0%^{Footnote 1 ˅}

Additional banking fees
Duplicate statement(per page):	€2.54
Quarterly fee:	€4.50

Lost card fees
Replacement of lost/stolen card:	€0.00
Replacement PIN:	€0.00

Non-euro transaction fees
Non-euro card purchase:	Laser/Maestro cards: 1.75% of euro value (minimum €0.46, maximum €11.43) charge applies. A MasterCard Scheme Charge also applies to non-euro transactions of 0.10% of value (within MasterCard Europe Region) or 0.39% of value (outside MasterCard Europe Region). VISA Debit cards: 1.75% of euro value (minimum €0.45, maximum €11.00) charge applies.
Non-euro cash withdrawal fee:	Laser/Maestro cards: Cash withdrawal transaction fee of up to 3% of euro value depending on currency. Commission of 1% of euro value is also charged (minimum €1.27, maximum €6.35). A MasterCard Scheme Charge also applies to non-euro currency transactions of 0.10% of value (within MasterCard Europe Region) or 0.39% of value (outside MasterCard Europe Region). VISA Debit cards: Cash withdrawal transaction fee of up to 2.5% of euro value depending on currency. Commission of 1% of euro value is also charged (minimum €2.00, maximum €6.00).

Non-euro transaction fees

Non-euro card purchase:

Laser/Maestro cards: 1.75% of euro value (minimum €0.46, maximum €11.43) charge applies. A MasterCard Scheme Charge also applies to non-euro transactions of 0.10% of value (within MasterCard Europe Region) or 0.39% of value (outside MasterCard Europe Region). VISA Debit cards: 1.75% of euro value (minimum €0.45, maximum €11.00) charge applies.

Non-euro cash withdrawal fee:

Laser/Maestro cards: Cash withdrawal transaction fee of up to 3% of euro value depending on currency. Commission of 1% of euro value is also charged (minimum €1.27, maximum €6.35). A MasterCard Scheme Charge also applies to non-euro currency transactions of 0.10% of value (within MasterCard Europe Region) or 0.39% of value (outside MasterCard Europe Region). VISA Debit cards: Cash withdrawal transaction fee of up to 2.5% of euro value depending on currency. Commission of 1% of euro value is also charged (minimum €2.00, maximum €6.00).

Benefits
Interest earned on credit balance:	0.0%

Other details
To qualify for maintenance and transaction free banking on your personal current account you must maintain a minimum daily credit statement balance of €2,500 in the account for each fee quarter. Credit interest does not apply to this AIB personal current account. The fee quarter ends on the last business Friday of February, May, August and November. The statement balance is the end of the day account balance. As per existing terms and conditions, any transactions carried out on a non-business day e.g. lodgements received and payments made after cut off times or on a non-business day (i.e. Saturday, Sunday or a bank/public holiday) may not be reflected in the account until the following business day.

Other details

To qualify for maintenance and transaction free banking on your personal current account you must maintain a minimum daily credit statement balance of €2,500 in the account for each fee quarter. Credit interest does not apply to this AIB personal current account.

The fee quarter ends on the last business Friday of February, May, August and November.
The statement balance is the end of the day account balance.
As per existing terms and conditions, any transactions carried out on a non-business day e.g. lodgements received and payments made after cut off times or on a non-business day (i.e. Saturday, Sunday or a bank/public holiday) may not be reflected in the account until the following business day.

Footnotes

Surcharge interest rate is 12% per annum. ^
€5.15 per item, up to a maximum of five items per day. ^
To qualify for free maintenance and transaction banking on your personal current account you must maintain a minimum daily credit statement balance of €2,500 in the account for each fee quarter. Credit interest does not apply to this AIB personal current account. Please see product details for complete information. ^
The account transaction fee on Contactless payments will be waived until 29th November 2013. ^

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AIB - Personal Bank Account

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