Documenti di Didattica
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Documenti di Cultura
and Charges
for Personal
Accounts
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JOB LOCATION:
PRINERGY 3
GUIDELINES
December 2014
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Conte
Welcome t
Account Fe
Card Usag
Service Ch
A Way to B
Maintenan
How to Mi
and Servic
Accounts E
Overdraft B
How to Red
Borrowing
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Contents
Welcome to AIB
page 2
Account Fees
page 3
page 5
Service Charges
page 6
page 8
page 10
page 11
page 15
page 18
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Welcome to AIB
Accou
What a
These are f
lodgement
your accou
your accou
they are an
A. Accoun
This covers
your accou
B. Accoun
Automated
This fee ap
Debit Ca
Contactle
Me2U tra
Standing
Direct De
Automat
transacti
AIB Ph
AIB Mo
AIB Kio
AIB Ta
2. Government Charges
There are certain Government charges which the Bank
is obliged to collect from you. Government charges
are debited to your account even if you qualify for
maintenance and transaction free banking. Under current
legislation, the following Government charges apply:
Cheques: 0.50 stamp duty per cheque. Medallion
Stamp Duty for cheque books ordered on or after
1st January 2009 is calculated as each cheque is
presented and paid on your account and applied
quarterly in arrears on the last business day of March,
June, September and December.
Domestic Euro Bank Draft: 0.50 Medallion Stamp
Duty per draft. This is applied at point of sale.
Debit Cards: 2.50 per annum per card applies where
the card is used for either an ATM/In Branch or Point
of Sale transaction and 5 per annum per card applies
where the card is used for both. Government Stamp
Duty charge on debit cards is applied in January, for the
previous year.
(1) T
he transac
receiving m
be waived u
SelfServic
This fee ap
ATM Wit
Cash & C
(2) Includes: D
(ATM) trans
*Private Ban
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Account Fees
What are Account Fees?
u with all
derstand
account.
ur personal
ns of our
d Deposit
anches and
ssociated
and
gories may
harges
which are
es where
or Point
d applies
Stamp
ary, for the
the Bank
arges
y for
der current
apply:
allion
fter
e is
ied
f March,
Stamp
Automated Transactions
0.20 each
This fee applies to the following transactions:
Debit Card purchases
Contactless transactions(1)
Me2U transactions(1)
Standing Orders
Direct Debits
Automated Debit & Credit transactions including
transactions through:
AIB Phone & Internet Banking
AIB Mobile Banking
AIB Kiosk Banking
AIB Tablet Banking
(1) The transaction fee for Contactless transactions and for sending and
receiving money using the Me2U service with your AIB Debit Card will
be waived until the 29th May 2015.
SelfService Transactions
0.35 each
This fee applies to the following transactions:
ATM Withdrawals(2)
Cash & Cheque Lodgement Machine Transactions(3)
(2) Includes: Domestic, Eurozone and Non-Euro Automated Teller Machine
(ATM) transactions.
(3) Items in lodgements fees also apply, where applicable.
mp Duty
for second
*Private Banking quarterly account maintenance fee 63.49
3
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Card U
AIB De
Point of S
Withdraw
In addition
transaction
on Contact
29th May 2
Non-euro t
follows:
Currency
Items in Lodgements
0.20 each
These are paper, non-cash items contained in a lodgement
and include cheques, drafts and paper account withdrawals.
Point of Sa
Contactless
Cash Withd
Commiss
Cash Withd
AIB270C00001BOK_REG1.indd 6
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0.39 each
ch counter
r an AIB
. A lodgement
price.
0.20 each
lodgement
withdrawals.
that cash,
dgements
ed?
ast
November.
rch, June,
rged on
day, the
nd charges
ailed
east ten
kdown of
est.
Commission Charges
Cash Withdrawal Commission
1% of euro value
(Minimum 2.00,
Maximum 6.00)
ged upon
Service Charges
Service Charges cover a wide range of services provided
by AIB Bank. When you avail of a service, the appropriate
charge will be applied as it occurs unless otherwise stated.
Service Charges are not included in maintenance and
transaction free banking. Account transaction fees may
also apply.
Same Da
Inter-Bank
Payments
Services f
Euro Chequ
of Ireland s
Cheque/Do
Unpaid items
Items# lodged to your account
and returned unpaid
Items# presented on your account
and returned unpaid
Stop Paym
Character/S
AIB Debit C
Registratio
Switching i
to another
Standing Orders
Duplicate C
Auditor Rep
Inter-Branc
##
##
AIB Phone & Internet Banking customers can set up, amend
and cancel Standing Orders for free on AIB Phone & Internet
Banking and AIB Kiosks.
A Manual Standing Order Amendment fee will apply
where one or more of the following fields on an existing
Standing Order is changed: Sender Name, Sender
Reference, Amount, Receiver Name, Receiver Reference and
Receiver BIC and IBAN. A request to change any other field
will result in the manual cancellation of the existing
Standing Order and the manual set up of a new Standing
Order with both fees applying to the account.
##
Other Services
Bank Drafts payable in euro for
use in the Republic of Ireland*
(7) Medallion Stamp Duty is currently charged at a rate of 0.50 per item.
AIB270C00001BOK_REG1.indd 8
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provided
ppropriate
wise stated.
ce and
fees may
0 per page
44 per item
00 per item
ding orders
per request
Auditor Reports
per request
##
##
t up, amend
e & Internet
apply
existing
er
erence and
other field
ing
Standing
00 per item
plus MSD(7)
per request
nking will
AIB270C00001BOK_REG1.indd 9
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By qualify
benefit fr
Free ATM
Free Deb
Free Con
Free Me2
Free Dire
Free Stan
Free Auto
transacti
AIB Ph
AIB Mo
AIB Kio
AIB Ta
Free Cash
Free Man
Free Che
Free Item
Qualifying Criteria
Maintain a minimum daily credit statement balance
of 2,500 in the account for each fee quarter.*
The statement balance is the end of day account
balance. It is not impacted by any uncleared items,
e.g. due to cheques lodged but not yet cleared or
pending debit card transactions.
Customers are responsible for making provision for any
debit transactions that could bring the account balance
below 2,500. This includes debit interest, quarterly
maintenance and transaction fees, other bank charges
and government stamp duty.
The qualifying criteria applies to personal current
accounts, with the exception of the Masterplan product.
In addition
will apply.
Within RO
attract the
commission
Schedule o
Please no
Certain a
and trans
to pages
Each per
own righ
As per ex
carried o
received
on a non
bank/pub
account
Other ch
AIB270C00001BOK_REG1.indd 10
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fy for
meeting
alance
*
unt
tems,
d or
on for any
nt balance
arterly
k charges
rent
an product.
ount
ntenance
erms
l current
Please note:
Certain accounts are also exempt from maintenance
and transaction fees. For further details, please refer
to pages 12, 13, 14 and 15 of this booklet
Each personal current account must qualify in its
own right
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 charges still apply as detailed in the booklet.
AIB270C00001BOK_REG1.indd 11
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Accou
from C
Personal
Customers
Paying for
goods
AIB Dem
AIB Deman
account ma
AIB Deman
Minimise Banking
Fees By:
ATM = 0.35
Cheque = 0.39
plus MSD(9)
Please Note
this bookle
AIB Mast
Contactless*= 0.00
Debit Card purchases
& Cashback = 0.20
AIB Master
transaction
are charged
quarter or p
Please Note
this bookle
Junior/St
Withdrawing Paper/Staff Assisted
Cash
Transaction = 0.39
Domestic
3.00 plus MSD(9)
Bank Drafts
Standing
Orders
Manual Set Up =
4.50 per request
Manual Amend/
Cancel = 2.50
per request
Duplicate
3.00 per page
Statements
Junior/Stud
account ma
Junior/Stud
Please Note
this bookle
eStatement = Free
10
(8) Personal current account customers can qualify for maintenance and
transaction free banking.
(9) Medallion Stamp Duty is currently charged at a rate of 0.50 per item.
AIB270C00001BOK_REG1.indd 12
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unt
es
Accounts Exempt
from Charges
al customers
pletely.(8)
can reduce
e Banking
Fees By:
ess*= 0.00
d purchases
ack = 0.20
Internet and
king = 0.20
ebit = 0.20
d purchases
ack = 0.20
ATM = 0.35
o third party
nline = 0.20
Internet and
nking = Free
ment = Free
5.
ntenance and
11
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AIB Adva
If you are a
an AIB Adv
As an AIB A
banking fre
your AIB Ad
can be sole
must be ag
Duplicate Statements
Bank Drafts payable in euro for use in the Republic
of Ireland#
Purchase and sale of foreign currency notes*
Benefits fo
If you are a
with AIB Ba
Foreign E
Commiss
the purch
purchase
cheques
euro and
For full d
Exchange
Schedule
available
Domesti
Commiss
The sale
service/c
*Medallion
12
AIB270C00001BOK_REG1.indd 14
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nt holder
e and
tudent
he
branch,
epublic
advise
are an
additional
o-face
e not
ough any
ransaction.
see our
es booklet.
mp Duty
for second
m all
n their
ed in
13
AIB270C00001BOK_REG1.indd 15
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Overd
General Conditions of these Benefits
You may
by way of
Account.
your over
you will b
charged i
borrow un
Facility Fe
If your ove
facility fee
sanction, w
This facility
on AIB Stud
Interest
What are
overdraft
Unauthoris
additional
Bank. Thes
Surcharge I
14
AIB270C00001BOK_REG1.indd 16
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any
or the
must advise
that you
entification
e a service
ce
e not
ough any
r Personal
mer
t Card
counts.
ed in
Interest
You will pay debit interest (which is compound) on any
overdrawn balance on your account. The debit interest
rate on an authorised overdraft on your account will be
advised in your facility letter provided at the time the
overdraft is agreed. Interest rates are subject to change.
15
AIB270C00001BOK_REG1.indd 17
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Surcharge Interest
Uncleare
As a genera
after lodgin
drawing ag
allow for th
financial in
cheques dr
longer to cl
If you draw
received th
interest cha
Please refer
and Deman
Debit Int
Details of o
charges are
www.aib.ie
When wil
be charge
We calcula
balance on
out and pa
basis in Ma
charged to
days prior n
16
AIB270C00001BOK_REG1.indd 18
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Uncleared Interest
s charged
the
current
it without
If you draw against funds for which value has not been
received then you may be subject to an uncleared
interest charge.
mes
r the Bank
of the
nding
tend or
e current
orrowing.
12%
culated on
uarterly.
Charges
Debit Interest
Details of our current overdraft interest rates and related
charges are available at any AIB branch, on our website
www.aib.ie or by phone 1890 724 724.
als, direct
payment
count
ge of
f five
ed for
0 per item
esented for
d.
17
AIB270C00001BOK_REG1.indd 19
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Terms and
Allied Irish
of Ireland.
18
AIB270C00001BOK_REG1.indd 20
06/11/2014 11:31
ft
uced or
eferral
nsuring
in your
e on your
cannot
should
uss and
ments on
hough you
can avoid
e year if
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