A Guide to Fees and Charges for Personal

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A Guide to Fees
and Charges
for Personal
Accounts
C
M
Y
K
PMS ???
PMS ???
PMS ???
PMS ???
Non-printing
Colours
Non-print 1
This document contains important
information. Please read carefully
and retain for future reference.
Non-print 2
JOB LOCATION:
PRINERGY 3
GUIDELINES
December 2014
AIB270C00001BOK_REG1.indd 1
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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
AIB270C00001BOK_REG1.indd 2
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Contents
Welcome to AIB
page 2
Account Fees
page 3
Card Usage Abroad
page 5
Service Charges
page 6
A Way to Bank Free of
Maintenance and Transaction Fees
page 8
How to Minimise Account Fees
and Service Charges
page 10
Accounts Exempt from Charges
page 11
Overdraft Borrowing Charges
page 15
How to Reduce Overdraft
Borrowing Charges
page 18
1
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Welcome to AIB
Accou
What a
The purpose of this guide is to provide you with all
the information you need to help you understand
the fees and charges associated with your account.
These are f
lodgement
your accou
your accou
they are an
Details about the features and operation of your personal
account(s) are contained in the current editions of our
Terms and Conditions for Current and Demand Deposit
Accounts which are available at any of our branches and
online at www.aib.ie
There are two types of fees and charges associated
with your account: Bank fees and charges, and
Government Charges.
This booklet explains how each of these categories may
affect you. In the section ‘Exemption from charges’
you will find details of categories of accounts which are
exempt from certain fees and charges.
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
1. Bank fees and charges
Which can be grouped into three categories –
• Account Fees
• Service Charges
• Overdraft Borrowing Charges.
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
Self–Servic
This fee ap
• ATM Wit
• Cash & C
(2) Includes: D
(ATM) trans
(3) Items in lod
Please Note: AIB will pay the Government Stamp Duty
on AIB Debit Cards for AIB Student Accounts for second
level students.­
*Private Ban
2
AIB270C00001BOK_REG1.indd 4
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Account Fees
What are Account Fees?
u with all
derstand
account.
ur personal
ns of our
d Deposit
anches and
A.Account Maintenance Fee*
ssociated
and
This covers the cost of running
your account.
gories may
harges’
which are
es where
or Point
d applies
Stamp
ary, for the
€4.50 per quarter
or part thereof
B.Account Transaction Fees
the Bank
arges
y for
der current
apply:
allion
fter
e is
ied
f March,
Stamp
These are fees which are charged for the processing of
lodgements and withdrawals and the maintenance of
your account. Not all of these fees necessarily apply to
your account but below is a detailed breakdown of what
they are and how much they cost.
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.
Self–Service 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
AIB270C00001BOK_REG1.indd 5
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Card U
AIB De
Paper/Staff Assisted Transactions(4)
€0.39 each
This fee applies to the following transactions:
•Cheques
•Withdrawals
•Lodgements (5)
•Staff Assisted Transactions at any AIB branch counter
or in the Post Office
Point of S
Withdraw
In addition
transaction
on Contact
29th May 2
(4) Items in lodgements fees also apply, where applicable.
Non-euro t
follows:
(5) This includes a lodgement completed in another bank or an AIB
branch other than the branch where the account is held. A lodgement
with or without a reference will be charged at the same price.
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
Please Note: Certain channels/devices require that cash,
coin and cheques be processed as separate lodgements
Commiss
Cash Withd
When are Account Fees charged?
Account fees are calculated quarterly on the last
working Friday of February, May, August and November.
Fees are charged to customer accounts in March, June,
September and December. The fee will be charged on
the 28th or where the 28th is not a business day, the
next business day. If in any quarter the fees and charges
exceed €10.00, we will provide you with a detailed
breakdown of the amount being charged at least ten
business days before they are charged. A breakdown of
amounts of €10.00 or less is available on request.
Fees and charges are also calculated and charged upon
closure of your account.
4
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.
Card Usage Abroad
AIB Debit Card
Point of Sale Purchase, Contactless and Cash
Withdrawal Transactions
In addition to the charges outlined below, account
transaction fees may also apply.
The transaction fee on Contactless transactions will be
waived until 29th May 2015.
Non-euro transactions attract additional charges as
follows:
Currency Conversion Fees
Point of Sale Purchase including
Contactless Transactions
Cash Withdrawal Transactions
1.75% of euro value
(Minimum €0.45,
Maximum €11.00)
2.5% of euro value
Commission Charges
Cash Withdrawal Commission
1% of euro value
(Minimum €2.00,
Maximum €6.00)
ged upon
5
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
Duplicate Bank Statements
Duplicate Statements
Euro Chequ
of Ireland s
€3.00 per page
Cheque/Do
Unpaid items
Items# lodged to your account
and returned unpaid
Items# presented on your account
and returned unpaid
Stop Paym
€4.44 per item
Character/S
AIB Debit C
€10.00 per item
Registratio
#
Cheques, withdrawals, direct debits and standing orders
Switching i
to another
Standing Orders
Duplicate C
Manual Standing Order Set up
€4.50 per request
Auditor Rep
Manual Standing Order Amend/Cancel €2.50 per request
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*
€3.00 per item
plus MSD(7)
(7) Medallion Stamp Duty is currently charged at a rate of €0.50 per item.
Additional/Replacement Card Reader
for AIB Phone & Internet Banking
€5.50 per request
*Bank Drafts ordered through AIB Internet Banking will
incur the applicable standard postal rate
6
AIB270C00001BOK_REG1.indd 8
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provided
ppropriate
wise stated.
ce and
fees may
Same Day Value Payments
Inter-Bank Same Day Value
Payments – via the branch
€25.00 per item
Services for which there is no charge
0 per page
Euro Cheques drawn on Banks within the Republic
of Ireland sent for collection
Cheque/Document Retrieval
44 per item
00 per item
Stop Payment (e.g. cheque, direct debit)
Character/Status Enquiry
AIB Debit Card issue and replacement
Registration for AIB Phone & Internet Banking
ding orders
Switching instruction to transfer your current account
to another Bank.
Duplicate Certificates of Interest/Balance
per request
Auditor Reports
per request
Inter-Branch Same Day Value Payments – via the branch
##
##
t up, amend
e & Internet
apply
existing
er
erence and
other field
ing
Standing
00 per item
plus MSD(7)
€0.50 per item.
per request
nking will
7
AIB270C00001BOK_REG1.indd 9
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A Way to Bank Free
of Maintenance and
Transaction Fees
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
Personal current account customers can qualify for
maintenance and transaction free banking by meeting
the following criteria:
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.
Students, Graduates and AIB Advantage Account
customers will continue to be eligible for maintenance
and transaction free banking as per existing terms
& conditions.
∆
Within RO
attract the
commission
‘Schedule o
*Credit interest does not apply to AIB personal current
accounts.
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
8
AIB270C00001BOK_REG1.indd 10
06/11/2014 11:31
fy for
meeting
alance
*
unt
tems,
d or
on for any
nt balance
arterly
k charges
rent
an product.
ount
ntenance
erms
l current
By qualifying for this offer customers will
benefit from:
• Free ATM withdrawals∆
• Free Debit Card purchases∆
• Free Contactless transactions∆
• Free Me2U transactions
• Free Direct Debits
• Free Standing Orders
•Free Automated Debit & Credit transactions including
transactions through:
–AIB Phone & Internet Banking
–AIB Mobile Banking
–AIB Kiosk Banking
–AIB Tablet Banking
•Free Cash & Cheque Lodgement Machine Transactions
• Free Manual Lodgements and Withdrawals
• Free Cheques
• Free Items in Lodgements
In addition, no quarterly account maintenance charge
will apply.
∆
Within ROI and eurozone. Non-euro transactions will
attract the normal foreign exchange charges,
commissions and scheme fees. Please see our booklet
‘Schedule of International Transaction Charges’.
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.
9
AIB270C00001BOK_REG1.indd 11
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How to Minimise Account
Fees and Service Charges
Accou
from C
By using alternative automated channels, personal customers
can reduce their fees – or even avoid them completely.(8)
Here are some of the most common ways you can reduce
your banking costs.
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
Paying a Bill Paper/Staff Assisted AIB Phone & Internet and
Transaction = €0.39 AIB Kiosk Banking = €0.20
Cheque = €0.39
Direct Debit = €0.20
plus MSD(9)
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
Debit Card purchases
& Cashback = €0.20
ATM = €0.35
Please Note
this bookle
Payment to third party
online = €0.20
AIB Phone & Internet and
AIB Kiosk Banking = Free
eStatement = Free
*Please note the transaction fee for Contactless
transactions will be waived until 29th May 2015.
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:
AIB Demand Deposit Account
AIB Demand Deposit Account holders are exempt from
account maintenance and transaction fees on your
AIB Demand Deposit Account.
Please Note: Other charges still apply as detailed in
this booklet.
ess*= €0.00
d purchases
ack = €0.20
Internet and
king = €0.20
ebit = €0.20
AIB Masterplan Account
AIB Masterplan Account holders are exempt from
transaction fees on your AIB Masterplan Account and
are charged the account maintenance fee €4.50 per
quarter or part thereof.
Please Note: Other charges still apply as detailed in
this booklet.
Junior/Student Saver Account
d purchases
ack = €0.20
ATM = €0.35
Junior/Student Saver Account holders are exempt from
account maintenance and transaction fees on your
Junior/Student Saver Account.
Please Note: Other charges still apply as detailed in
this booklet.
o third party
nline = €0.20
Internet and
nking = Free
ment = Free
5.
ntenance and
0.50 per item.
11
AIB270C00001BOK_REG1.indd 13
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AIB Adva
AIB Student or AIB Student Plus Account
As an AIB Student or AIB Student Plus Account holder
you are exempt from all account maintenance and
transaction fees on your AIB Student or AIB Student
Plus Account. You are also eligible to avail of the
following transactions, undertaken at an AIB branch,
free from service/commission charges:
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
To avail of these additional benefits you must advise
staff at the time of each transaction that you are an
AIB Student/Student Plus Account Holder. The additional
financial benefits are only available on face-to-face
transactions undertaken at the branch and are not
available on any transactions undertaken through any
other electronic means.
• Foreign E
Commiss
the purch
purchase
cheques
euro and
For full d
Exchange
Schedule
available
#
Medallion Stamp Duty €0.50 applies on this transaction.
*For details of these foreign exchange charges see our
“Schedule of International Transaction Charges” booklet.
Please Note: AIB will pay the Government Stamp Duty
on AIB Debit Cards for AIB Student Accounts for second
level students.
•Domesti
Commiss
The sale
service/c
AIB Graduate Account
*Medallion
AIB Graduate Account holders are exempt from all
account maintenance and transaction fees on their
Graduate Account for a period of two years.
Please Note: Other charges still apply as detailed in
this booklet.
12
AIB270C00001BOK_REG1.indd 14
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AIB Advantage Account
t
nt holder
e and
tudent
he
branch,
If you are aged 60 or over, you are eligible to apply for
an AIB Advantage Account.
epublic
Benefits for Personal Customers aged 60 or over
If you are aged 60 or over and have a personal account
with AIB Bank, you can receive
As an AIB Advantage Account holder, you can enjoy
banking free of maintenance and transaction fees on
your AIB Advantage Account. AIB Advantage Accounts
can be sole or joint, but all parties to the joint account
must be aged 60 or over to avail of the product.
*
advise
are an
additional
o-face
e not
ough any
• Foreign Exchange free of Commission Charges
Commission-free Foreign Exchange applies only to
the purchase and sale of foreign currency notes, the
purchase of international euro and foreign currency
cheques and bank drafts and the sale of international
euro and foreign currency bank drafts.
ransaction.
see our
es” booklet.
For full details of fees and charges relating to Foreign
Exchange, please refer to the current edition of our
Schedule of International Transaction Charges booklet
available at any AIB branch or online at www.aib.ie
mp Duty
for second
m all
n their
•Domestic Euro Bank Drafts free of Service/
Commission Charges*
The sale of domestic euro bank drafts is free of
service/commission charges.
*Medallion Stamp Duty €0.50 applies on this transaction
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
Personal Customers aged 60 or over who hold any
personal account with AIB Bank are eligible for the
benefits specified above.
As a Personal Customer aged 60 or over, you must advise
staff at the time of each transaction request that you
are eligible for these benefits.
AIB reserves the right to seek further proof of identification
and proof of date of birth from you at any time a service
or benefit is requested.
Facility Fe
If your ove
facility fee
sanction, w
These services are only available on face-to-face
transactions undertaken in the branch and are not
available on any transactions undertaken through any
other electronic means.
This facility
on AIB Stud
The above described benefits are available for Personal
Customers only. Examples of Personal Customer
accounts are Current Accounts, Personal Credit Card
Accounts, Mortgage Accounts and Deposit Accounts.
Interest
You will pay
overdrawn
rate on an
advised in y
overdraft is
Please Note: Other charges still apply as detailed in
this booklet.
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
Overdraft Borrowing Charges
You may request to borrow for short-term needs
by way of an overdraft on a Current or Masterplan
Account. Credit terms and conditions apply. Where
your overdraft is authorised on a Current Account,
you will be charged a facility fee. You will also be
charged interest based on the extent to which you
borrow under the agreed overdraft facility.
Facility Fee
If your overdraft is on a current account, an overdraft
facility fee of €25.39 per annum or per overdraft
sanction, whichever is the more frequent, will be applied.
This facility fee is not applied to overdraft facilities sanctioned
on AIB Student Plus Accounts or AIB Graduate Accounts.
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.
What are the charges for an unauthorised
overdraft?
Unauthorised borrowings by a customer generate
additional administrative activities and costs for the
Bank. These are recouped through the application of
Surcharge Interest and Referral Item Charges.
15
AIB270C00001BOK_REG1.indd 17
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Surcharge Interest
Uncleare
Surcharge interest is additional interest that is charged
on unauthorised borrowings and is payable in the
following instances:
•If there is no agreed overdraft limit on your current
account and you overdraw
•If you exceed your authorised overdraft limit without
prior arrangement with the Bank
•If the account remains overdrawn or becomes
overdrawn after the limit has expired
•Where any residual borrowing remains after the Bank
has demanded payment or after the expiry of the
review date or the repayment period of a lending
facility without the Bank’s agreement to extend or
renew the facility.
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
Surcharge interest is payable in addition to the current
overdraft interest rate on the unauthorised borrowing.
At present the surcharge rate on overdrafts is 12%
(variable) per annum. Surcharge interest is calculated on
a daily basis and is charged to your account quarterly.
You may also become liable for Referral Item Charges
(see below).
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
Referral Item Charges
These charges apply when cheques, withdrawals, direct
debits and standing orders are presented for payment
on your account and, when paid, place the account
in an unauthorised overdraft position. A charge of
€5.15 per item is applied, up to a maximum of five
items per day. Referral item charges are waived for
AIB Student Plus Accounts.
Unpaid Item Charges
You may incur an unpaid item charge of €10.00 per item
if cheques, direct debits or standing orders, presented for
payment on your account, are returned unpaid.
16
AIB270C00001BOK_REG1.indd 18
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Uncleared Interest
s charged
the
As a general rule, you should allow two business days
after lodging a cheque drawn on a non-AIB Bank before
drawing against the proceeds of the cheque. This is to
allow for the exchange of items/value between the
financial institutions. Please note postal orders and
cheques drawn on UK and other Foreign Banks will take
longer to clear.
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
Please refer to “Terms and Conditions for Current Accounts
and Demand Deposit Accounts”.
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.
When will Interest on my Overdraft/Masterplan
be charged to my account?
We calculate debit interest each day on the overdrawn
balance on your account after allowing for items paid
out and paid in. Debit interest is totalled on a quarterly
basis in March, June, September and December and is
charged to your account following at least ten business
days prior notification to you.
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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How to reduce overdraft
borrowing charges
Some overdraft borrowing charges can be reduced or
even avoided. Here are some examples:
•You can avoid incurring surcharge interest, referral
item charges and unpaid item charges by ensuring
that your account operates in credit or within your
sanctioned limit, if you have one
•If you need an overdraft facility, an increase on your
agreed existing overdraft limit or where you cannot
meet your scheduled loan repayments, you should
contact your AIB branch in advance to discuss and
agree (in writing) the appropriate arrangements on
your account to reflect your requirements
•By applying for the facility for a year, even though you
might only need it for a shorter period, you can avoid
paying additional facility charges later in the year if
you require the facility again.
Terms and
Allied Irish
of Ireland.
18
AIB270C00001BOK_REG1.indd 20
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ft
uced or
eferral
nsuring
in your
e on your
cannot
should
uss and
ments on
hough you
can avoid
e year if
Terms and conditions apply.
Allied Irish Banks, p.l.c. is regulated by the Central Bank
of Ireland.
19
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AIB270C00001BOK_REG1.indd 22
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If you have any questions, just ask.
AIBM/REG1 12/14 AIB270C00001BOK
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