AIB Student Plus Account

Specially designed for you

For many students, college represents a first taste of real freedom and the start of a few fun filled years. But with this new found freedom also comes the responsibility of managing your money, that's why we've set up the AIB Student Plus Account. It's designed to make it easy for you to manage your finances, so it doesn't interfere with your studies or socialising. We have dedicated Student Advisers to help you along the way and we've thrown in some great rewards for using your account too.

An AIB Student Plus Account ticks all the boxes for your student banking needs and rewards you for using your account. As well as the exclusive benefits outlined above as an AIB Student Plus Account holder you can benefit from:

Banking Free of Maintenance and Transaction Fees

You will not be charged account maintenance or transaction fees on your AIB Student Plus Account.

Service Charges

You are exempt from paying service charges with the exception of the following:

• Cheques lodged to your account and returned unpaid
• Cheques, direct debits or standing orders presented on your account and returned unpaid
• Additional/Replacement Card Reader for AIB Phone & Internet Banking
• Same Day Value Payments
• Government Charges in respect of ATM, Debit Cards and Credit Cards also apply.

AIB Debit Card

The AIB Debit Card lets you make purchases at Point of Sale (POS) and cash withdrawals at ATMs in Ireland and abroad. You can also use it to shop online or pay for goods and services over the phone. For more information please view AIB Debit Card in Related Information.

Terms and conditions apply. Debit Cards are liable to an annual Government Stamp Duty charge which is applied in January of each year, currently EUR2.50 per card applies where the card is used for either an ATM/in Branch transaction or a Point of Sale transaction, and EUR5 per card applies where the card is used for both.

Interest Free Overdraft

We offer an interest free overdraft up to EUR1,500 which gives you easy access to funds and provides peace of mind that additional funds are accessible when you need them. Contact your local AIB branch or the AIB Student Centre.

If you apply and are approved for a new overdraft facility, you'll benefit from our 'interest free' overdraft.

You will get an overdraft on an interest free basis up to a maximum of EUR1,500. Authorised overdraft facilities over EUR1,500 will attract the Bank's Standard Variable 'A' rate for personal overdrafts on balances greater than EUR1,500.

Reduced Rate Loans up to EUR75,000

With a flexible personal loan from AIB you can avail of the following benefits: Unscheduled Repayments - you have the option of making unscheduled, additional repayments to your loan at any time with no penalty. This can be done either through your branch or AIB Internet Banking and as your repayments will stay the same, your loan term will be shorter and the cost of your loan will be reduced.

Low Interest Rates - Students can apply for a personal loan at a special reduced rate of 1.5% off the Bank's Standard Variable 'A' Personal Loan Rate up to a maximum of EUR75,000. This discount will apply for the agreed life of the loan until it is paid.

AIB Student MasterCard

This credit card is specifically designed to meet the lifestyle of a full-time third level student. A convenient way to shop online and pay for day to day expenses, it allows you to pay for a student lifestyle on a schedule that fits your budget.

Government Stamp Duty of EUR30 is charged annually per credit card account.

Foreign Exchange

You will pay no commission charges when you buy or sell foreign currency notes or if you lodge traveller's cheques. In order to receive this benefit you must identify yourself as an AIB Student Plus Account holder and request the benefit at the time.

Foreign Currency Fees and Charges are detailed in our 'Schedule of International Transaction Charges' brochure. This brochure is available from any AIB branch and online at www.aib.ie

AIB Phone and Internet Banking

AIB Phone & Internet Banking lets you manage your account at home in college or even while travelling. With AIB Phone & Internet Banking you can:

• Check the balance and recent transactions on your accounts and sign up for eStatements
• Pay bills including ESB, Gas, NTL, AIB Visa, AIB Student MasterCard, Vodafone, O2 and Meteor
• Transfer money between accounts in AIB, other banks in the Republic of Ireland and internationally. Please note that the International Payments service is not available on AIB Phone Banking
• Top Up your mobile
• Set up, amend or cancel standing orders
• Open an AIB Notice Deposit 7 Account and/or Online Personal Savings Plan

To register for AIB Phone & Internet Banking call 0818 724 020, lines open 24 hours, Monday to Sunday.

You may need an AIB Code Card or AIB Card Reader to use some of these services. You can find more information on the AIB Code Card and AIB Card Reader at www.aib.ie/securitycentre

Top Up by Text

AIB Top Up by Text is the easy way to top up your Meteor, O2 or Vodafone prepaid mobile phone. You can top up with a free text message to 50131, even if your phone is out of credit! It also lets you top up your mobile with a free text when roaming abroad.

Note: You must be registered for AIB Phone & Internet Banking to avail of this service.

AIB Mobile Banking

AIB Mobile Banking lets you manage your money on the move. You can check your balances, transfer money, pay bills and even top up your mobile on your Smartphone.

With AIB Mobile Banking you can:

• Check your account balances
• View recent transactions and payments on your account.
• Transfer funds between your own accounts.
• Transfer funds to third party accounts in the Republic of Ireland*.
• Pay your bills*.
• Top Up a mobile phone (Vodafone, O2, Meteor, eMobile).
• View and reuse recent Mobile Top Ups.

*Accounts must be pre set up on AIB Phone & Internet Banking.

To access AIB Mobile Banking you must be a registered user of AIB Phone & Internet Banking.

For other AIB Internet Banking features (i.e. International Payments) you will need to access the full AIB Internet Banking service from your browser.

Savings Options

Saving can't be easy on a student budget, but when you get into the savings habit, you'll always have cash to hand for special occasions, travel - or whatever else might come along. For more information on the range of savings options available to you call 1890 724 724 visit www.www.aib.ie/savings or drop into any AIB branch for further details.

Doing your bit to 'Add more green'

As an AIB Student Plus Account holder you can help us help the environment by:

Switching to eStatements on AIB Phone & Internet Banking. With eStatements you receive your statements online instead of receiving paper statements by post. You need to be registered for AIB Phone & Internet Banking and will require an AIB Code Card or AIB Card Reader to switch and view your eStatements

For every customer who switches to eStatements, AIB will make a donation towards our 'Add more green' Fund which contributes to environmental projects in Ireland and abroad.

For more information click on www.aib.ie/csr

AIB Student Advisers

Our Student Advisers are here to provide you with ongoing support and advice throughout your college life.

• To make it easier for you, they're based in branches on or near your campus
• They can help you to apply for an overdraft, reduced rate loan, AIB Student MasterCard, open a savings account or even just help you manage your money more effectively.

Alternatively you can contact our dedicated Student Centre for assistance by calling 1890 788 336 (lines open 8am-9pm Monday to Friday, and 9am-6pm Saturday).

Who can avail of an AIB Student Plus Account?

The AIB Student Plus Account is available to any person enrolling or currently engaged in any full-time third level educational course, which includes full-time post-graduate studies, with a minimum duration of one academic year.

Want to open an account? Here's what to do next.

Speak to a Student Adviser in your local AIB branch and apply for a new AIB Student Plus Account or convert your existing Current Account today. Alternatively you can fill out our Student Plus Account Application form link available through our application form at the top of the page and drop it into your local AIB branch. Contact our dedicated Student Centre on 1890 788 336 for any financial assistance you may require. Our phone lines are open Monday to Friday 8am to 9pm and Saturday 9am to 6pm.

Full details of all the Fees and Charges associated with a Personal Current Account are contained in 'A Guide to Fees and Charges for Personal Accounts'. Foreign Currency Fees and Charges are also detailed in our 'Schedule of International Transaction Charges' brochure. Both brochures are available from any AIB branch and online at www.aib.ie

Important / Regulatory Wording

• Important Regulatory Information for an AIB Student Plus Account
• AIB Student Plus Account Terms & Conditions and associated benefits
• A Guide to Fees and Charges for Personal Accounts
• Information Leaflet for AIB Student Plus Account
• Terms and Conditions for Current Accounts and Demand Deposit Accounts
• Schedule of International Transaction Charges Brochure

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