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FAQ's

Credit Card

With AIB Internet Banking you can apply for an AIB Credit Card choosing from the range on offer, manage your existing AIB Credit Cards online or purchase additional insurance services for your AIB Credit Cards.
To avail of these credit card options log in to AIB Internet Banking.

Questions:

Answers:

What are the Credit Card services available through AIB Internet Banking?

  • Apply for a Credit Card via AIB Internet Banking *
  • Add Authorised User
  • Add/Adjust Direct Debit*
  • Request a replacement card*
  • Request a PIN reminder*
  • View your Credit Card Terms & Conditions
  • Request a copy of Transaction Voucher/Record*
  • Change Credit Card address*
  • Apply for Optional Cardif Pinnacle Card Protection*
  • Apply for Optional Travel Insurance*

* You will need an AIB Code Card to apply for a Credit Card and for the services above marked with an asterisk.

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What Credit Cards can I apply for through AIB Internet Banking?

You can apply for the following Credit Cards through AIB Internet Banking:

  1. CLICK Visa Card
  2. 'be' Visa/MasterCard
  3. AIB Platinum Visa Card
  4. AIB mc2 Student MasterCard

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When will I know if my Credit Card application has been successful?

If your Credit Card application is successful both your PIN and your Credit Card will be sent to you separately by post within 5 business days. We will write to you within 5 business days if your application has been unsuccessful.

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Can I add an Authorised User to my Credit Card through AIB Internet Banking?

It is possible to have one Authorised User on your Credit Card account. To add an Authorised User to your Credit Card

  • Log in to AIB Internet Banking
  • Click 'Manage My Accounts' on the left of the screen
  • Click the 'My Credit Card(s)' tab on the top of this page
  • Select the Credit Card you would like the Authorised User to access
  • Under 'More Available Options' click 'Add Authorised User'
  • This will link you to an online application form. As a signature from the Authorised User is required by AIB you will need to print the form when completed and forward to the address displayed on the form. If you are unable to print this form, please call AIB Credit Card Centre on + 353 1 6685500 requesting an Authorised User paper application form to be sent to you by post

Please Note: It is not possible for an Authorised User to be added to the AIB mc2 Student MasterCard.

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Can I set-up a Direct Debit to pay my Credit Card bill after I receive my card?

Yes, it is possible to set-up a Direct Debit to your Credit Card account at any stage

To do this simply:

  1. Log in to AIB Internet Banking
  2. Click 'Manage My Accounts' on the left of the screen
  3. Click the 'My Credit Card(s)' tab on the top of this page
  4. Select the Credit Card you would like to update
  5. Under 'More Available Options' click 'Set up Direct Debit'
  6. The Direct Debit set-up screen will be displayed. Once you have completed the required information, click the next button
  7. Enter the requested code from your AIB Code Card to confirm your Direct Debit details
  8. You will then be returned to the confirmation screen with a message to confirm that you have successfully set-up your Direct Debit

Please Note: Direct Debits will take effect after 2 business days, therefore if your current statement payment due date falls within the next 2 business days your new Direct Debit will not be effective for payment until your next Credit Card statement payment due date. You can find the payment due date on your most recent statement. You should check this date before setting up a Direct Debit online to pay your Credit Card bill.

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Can I adjust my AIB Credit Card account Direct Debit through AIB Internet Banking?

Yes, you can now increase or decrease your monthly Direct Debit amounts or change the account from which your Direct Debit payment is taken.

To do this simply:

  1. Log in to AIB Internet Banking
  2. Click 'Manage My Accounts' on the left of the screen
  3. Click 'My Credit Card(s)' tab on the top of this page
  4. Select the Credit Card you would like to update
  5. Under 'More Available Options' click 'Amend Direct Debit'
  6. Enter the requested code from your AIB Code Card
  7. Your existing Direct Debit details will be displayed. Once you have amended your details, click the next button
  8. You will then be returned to the confirmation screen with a message to confirm that you have successfully adjusted your Direct Debit

Please Note: Direct Debits will take effect after 2 business days, therefore if your current statement payment due date falls within the next 2 business days your Direct Debit adjustment will not be effective for payment until your next Credit Card statement payment due date. You can find the payment due date on your most recent statement. You should check this date before adjusting a Direct Debit online.

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What is the Payment Due Date?

This is the date by which the minimum payment should reach your account.

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What is DD Plus?

DD Plus (Direct Debit Plus) means that, as a customer of AIB, you can sign up for a Direct Debit using methods other than a paper mandate form, for example by using the Internet or telephone.

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What is the Direct Debit Guarantee?

The Direct Debit Guarantee is a guarantee provided by AIB as a member of the Direct Debit scheme, in which banks and Originators of Direct Debits participate.

If you authorise payment by direct debit then:

  • Your Direct Debit originator will notify you in advance of the amounts to be debited to your account
  • Your bank will accept and pay such debits, provided that your account has sufficient available funds

If it is established that an unauthorised Direct Debit is charged to your account you are guaranteed a prompt refund by your bank of the amount so charged.

You can cancel the Direct Debit instruction by writing to your bank in good time or alternatively you may contact us by telephone at 01 6685500 or outside Ireland +353 1 6685500.

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What is the Direct Debit OIN?

When signing up for Direct Debits online, the OIN is displayed on the screen for information purposes only. The OIN is the Direct Debit Originator Identification Number, a 6-digit reference number assigned to AIB under the DD Plus scheme and used to identify AIB as the originator when processing Direct Debit payments.

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How do I cancel a Direct Debit?

You can cancel the Direct Debit instruction by writing to your bank in good time or alternatively you may contact us by telephone at 01 6685500.

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Do I have to set up a Direct Debit on my Account?

No, however Direct Debits are mandatory on a Student mc2 MasterCard account.

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How do I sign up for Credit Card eStatements?

You will need an AIB Code Card to sign up for eStatements.

  • Log in to AIB Internet Banking
  • Click ‘Manage My Accounts’ on the left of the screen
  • Click ‘My Credit Card(s)’ tab on the top of this page
  • Select the Credit Card you would like to register for eStatements
  • Under ‘More Available Options’ click ‘Register for eStatements’
  • Read the Terms and Conditions and click "Next" to continue
  • Enter the requested code from your Code Card, and click"confirm"
  • You will then be returned to the confirmation screen with a message to confirm that you have been successfully set-up

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How will signing up for eStatements affect my payment due date?

Your payment due date will remain unaffected by signing up for Credit Card eStatements. It will continue to be clearly displayed on your eStatement and you must continue to ensure that you make your payment by this date.

You will have the option to set-up a Direct Debit online to pay your Credit Card bill.

When setting up a Direct Debit online to pay your Credit Card bill, you should check to see when your next payment date is due. You can find this date on your most recent statement.
If your current payment due date falls within the next 2 business days then your current payment must be made by an alternative method. The new Direct Debit will not take effect in time for this payment.
If your payment due date is more than 2 business days from the date you set-up the new Direct Debit online, then your current payment will be made by Direct Debit.

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How can I make my Credit Card payment?

As you will no longer receive your paper statement in the post it is recommended that you sign-up for payment by Direct Debit.
Alternatively you can pay your Credit Card bill by clicking on the 'Transfers & Payments'  link in AIB Internet Banking or via the Automated Self Service option by phoning 0818 724 724. You will need to use a code from your AIB Code Card to complete any of the above.

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How do I report my Credit Card lost or stolen?

It is extremely important that you contact AIB immediately to report your Credit Card lost or stolen on 1800 24 22 27 or when abroad +353 1 2695022 (24 hours a day). A new PIN and Credit Card will be ordered and sent to you separately in the post.

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Can I request a replacement Credit Card?

If your Card is damaged you can request a replacement of your existing Credit Card

  1. Log in to AIB Internet Banking
  2. Click 'Manage My Accounts' on the left of the screen
  3. Click the 'My Credit Card(s)' tab on the top of this page
  4. Select the Credit Card you would like to replace
  5. Under 'More Available Options' select 'Request Replacement Card' and follow the steps

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Will I receive a new PIN with my Replacement Card?

Your existing PIN is still valid with your replacement card. Should you require a reminder of your current PIN you can do so through the PIN Reminder Service on AIB Internet Banking if your Credit Card is registered.

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Can I request a replacement card for the Authorised User on my Credit Card account?

No, you can only request a replacement card for yourself through AIB Internet Banking. An Authorised User can request a replacement card by logging into their AIB Internet Banking profile, if they are registered.

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What should I do with my existing card when I receive my replacement card?

Upon receipt of your replacement card you should cut your existing card in two (through the signature box, magnetic strip and Chip) and return them to AIB Card Issuing FREEPOST PO Box 708, Sandyford, Dublin 18

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Can I request a PIN reminder for my Credit Card account?

  • You can request a PIN reminder by logging in to AIB Internet Banking
  • Click 'Manage My Accounts' on the left of the screen
  • Click the 'My Credit Card(s)' tab on the top of this page
  • Select the Credit Card you would like to update
  • Under 'More Available Options' select 'Request a PIN Reminder'

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Can I request a PIN reminder for the Authorised User on my account?

No, you can only request a PIN reminder for yourself through AIB Internet Banking. An Authorised User can request a PIN reminder by logging into their AIB Internet Banking profile if they are registered.

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Can I view the Terms and Conditions of my Credit Card?

You can view the Terms and Conditions of your existing Credit Card by logging in to AIB Internet Banking.

  • Click 'Manage My Accounts' on the left of the screen
  • Click the 'My Credit Card(s)' tab on the top of this page
  • Select the Credit Card you would like to view
  • Under 'More Available Options' select 'View Credit Card Terms and Conditions'

Please Note: you then need to select the Terms and Conditions for your card type from the list.

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What is a Copy Voucher?

A Copy Voucher is a copy of the transaction receipt from the retailer showing the transaction details.

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Is there a Copy Voucher fee?

Yes, a Copy Voucher Fee will be applied to your Credit Card account for each Copy Voucher sent to you. Please click here for the list of fees.

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How do I request a Copy Voucher?

You can request a Copy Voucher by logging in to AIB Internet Banking selecting 'statements' in the left menu and clicking the 'request a Copy Voucher' at the top of your Credit Card transactions page. You then select the transaction(s) you wish to request a Copy Voucher(s) for by ticking the check box to the right of the transaction.

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What do I do if the transaction I want to query is not displayed?

The transactions displayed have occurred in the last 60 days, up to a maximum of 22 transactions. If you wish to request a copy voucher for a transaction that has occurred in the last 60 days and is not displayed please contact + 353 1 6685500.

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Can I change my Credit Card account address through AIB Internet Banking?

You can change your Credit Card account address by logging in to AIB Internet Banking

  • Click 'Manage My Accounts' on the left of the screen
  • Click the 'My Credit Card(s)' tab on the top of this page
  • Select the Credit Card you would like to update
  • Under 'More Available Options' select 'Change Credit Card Address'

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Can I change my address for my other AIB accounts through AIB Internet Banking?

No, you cannot change your address for your other AIB accounts through AIB Internet Banking. To do this you will need to contact your AIB branch or contact a Customer Service Adviser on 0818 724 724 or when abroad +353 1 771 2424. A Code from your AIB Code Card will be required to change your address over the telephone.

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Can an Authorised User change the Credit Card address?

No, an Authorised User cannot change the Credit Card address. This service is available to Principal cardholders only.

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What additional Insurance Products can I purchase for my AIB Credit Card through AIB Internet Banking?

You have the option to purchase Optional Annual Travel Insurance and Optional Cardif Pinnacle Card Protection through AIB Internet Banking
These products can only be purchased by Principal Cardholders and are available under the 'Manage My Accounts' section.

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