AIB Review, Offers, Rates & Alternatives
AIB (Allied Irish Banks) is one of Ireland's two pillar banks, offering current accounts, savings accounts, mortgages, credit cards, and business banking. It has the largest number of branches in Ireland.
Live offers
- AIB CLICK Visa Card
- AIB be Visa Card
- AIB Platinum Visa Card
- AIB Student Visa Card
- AIB PRSA
| Current account | AIB Personal Current Account — €6/month, Visa Debit |
|---|---|
| Credit cards | Four cards with no annual fee: CLICK (13.8% APR), Student (20.5%), Platinum (17.9%), be (22.9%) |
| Savings | Online Regular Saver up to 3.00% AER; 1-year Fixed Deposit 3.25% AER |
| Mortgages & loans | 2-year fixed mortgage 3.70% (70% LTV); personal loans from 7.5% APR |
| Deposit protection | EU deposit guarantee — up to €100,000 |
| Best for | Irish residents who want a pillar bank with a strong app and wide branch access |
| Alternatives | Bank of Ireland, Permanent TSB, N26, Revolut |
Best for
- Irish residents who want a full-service pillar bank with a well-rated app and the most branches
Not ideal for
- Fee-averse users — AIB charges maintenance fees on current accounts
AIB current account
Giraffy lists the AIB Personal Current Account, AIB's main everyday account.
- €6 monthly fee
- Visa Debit card; standard FX fees apply when you spend abroad
- Deposits covered by the EU deposit guarantee up to €100,000
Best for: Customers who want branch access and the full AIB product range in one place.
AIB credit cards
All four AIB credit cards on Giraffy have no annual fee and up to 56 days interest-free on purchases.
- AIB CLICK Visa: 13.8% APR — the lowest rate of the four
- AIB Student Visa: 20.5% APR
- AIB Platinum Visa: 17.9% APR
- AIB be Visa: 22.9% APR
Best for: CLICK for the lowest ongoing rate; Student for third-level students.
AIB savings and deposits
AIB offers a regular saver with instant access and a fixed-term deposit.
- Online Regular Saver: up to 3.00% AER, instant access, monthly deposit limits apply
- Fixed Deposit Account: 3.25% AER for a 1-year term
AIB mortgages, loans and pensions
AIB is Ireland's largest mortgage lender and also lists loans, investments and a PRSA.
- 2-year fixed mortgage: 3.70% at 70% LTV, cashback on draw-down available
- Personal loan: 7.5% APR, €2,000–€75,000 over 1–5 years
- AIB PRSA: 0.75% annual management charge, from €100/month
- AIB Investment Account: 1.0% a year, from €1,000
AIB vs alternatives
AIB vs Bank of Ireland
Ireland's other pillar bank. AIB vs BOI: Both are Irish pillar banks. Compare account fees, mortgage rates, and savings rates on Giraffy.
AIB vs Permanent TSB
Better savings rates. AIB vs PTSB: PTSB often offers better savings rates. AIB has more branches.
AIB in Ireland — FAQ
Is AIB a good bank in Ireland?
AIB is one of Ireland's two pillar banks and has the most branches. Compare mortgage and savings rates with Bank of Ireland and PTSB on Giraffy.
What are AIB's current account fees?
The AIB Personal Current Account listed on Giraffy costs €6 a month — the same as the Bank of Ireland Current Account and less than the €8 PTSB Explore Account. Standard FX fees apply when you use the AIB Visa Debit card abroad.
What is AIB's savings rate?
Giraffy lists the AIB Online Regular Saver at up to 3.00% AER with instant access and monthly deposit limits, and the AIB Fixed Deposit Account at 3.25% AER for 1 year. For comparison, the PTSB Regular Saver is listed at up to 2.00% AER.
Which AIB credit card has the lowest interest rate?
The AIB CLICK Visa Card has the lowest rate of AIB's four cards at 13.8% APR, with no annual fee and up to 56 days interest-free on purchases. The Platinum Visa is 17.9% APR, the Student Visa 20.5% and the be Visa 22.9%.