Making the most of your money
Joining Us
AIB’s promise Contents
to you
Welcome to AIB 2
Joining us 4
Our Products 8
Current Accounts
Personal Loans
Savings Accounts
We’ll always treat you fairly and honestly to Mortgages
Investments
help you get the most out of all our banking Pensions
and financial services. It only works for us if Insurances
Credit Cards
it works for you. Students and Graduates
Budget Planner 26
Geallúint AIB duitse 29
AIB obiecuje! 30
AIB对您的承诺 32
Regulatory Wording 34
Joining Us Joining Us
Your first choice for
everyday banking
Welcome
AIB offers you all the benefits you We’re here to help you manage and
would expect from your bank; a great plan your finances in a way that works
range of quality products and services, for you. Our services range from current
the resources to provide the highest accounts, mortgages, credit cards and
standards of security and efficiency and loans, to savings, pensions, insurance and
the flexibility that means you can do investments. Joining us brings many benefits
your banking your way – in your branch, so please ask for more information in your
online or by phone. local branch, call us on 1850 724 724
or click on www.aib.ie.
Join AIB today and enjoy the benefits
There are lots of good reasons to be with
AIB and it’s so easy to join us. We make
the transition quick and simple so you
can start banking with us right away.
AIB: An Banc do chách AIB: bank dla każdego AIB: 为所有人服务的银行
Cuirimid fáilte roimh le gach duine a bheith Do skorzystania z naszych usług zapraszamy 我们欢迎所有在爱尔兰生活和工作的
linn. Is muid an chéad rogha in Éirinn do wszystkich, którzy mieszkają i pracują w 人成为我们的客户。即使您的母语不
chustaiméirí. Tá réimse iontach táirgí agus Irlandii. Służymy naszym klientom nawet 是英语，我们也乐于为您服务。我们
“Joining AIB was so easy. They
seirbhísí á dtairiscint againn chun cabhrú leat wtedy, kiedy angielski nie jest ich językiem 是爱尔兰外国客户的首选银行。欲知
an leas is mó a bhaint as a bheith ag ojczystym. W rzeczywistości jesteśmy 详情，请阅读本小册子末尾第32页的
baincéireacht linn. Níl a dhath níos éasca ná bankiem, który w Irlandii jest najczęściej 信息。
tús a chur do bhaincéireacht laethúil.
Ní gá ach glaoch orainn chun coinne a shocrú
ag an gcraobh is gaire duit nó dul
wybierany przez klientów zagranicznych.
Więcej szczegółów znajdą Państwo na
stronie 30 na odwrocie tej broszury.。
sorted out all my accounts really
ar líne ag www.aib.ie. Tá tuilleadh sonraí ar
fáil ar leathanach 29 ar chúl an bhróisiúir seo. quickly and easily so I could just
get on with my life.” Kieran, 39, Engineer
Joining us brings many benefits
Drop into a branch today, call us on 1850 724 724 or click on www.aib.ie
Joining Us Joining Us 3
Top Tip
Use AIB Phone & Internet
Banking services to take the
“Joining AIB was simple. They have great staff and
hassle out of managing your
finances. You can log on or
call at a time that suits you
service, good rates and easy banking by phone or
– and from wherever you are
in the world. online. Being with AIB saves time, money and
makes sense for our whole family.” Ruth, 48, Charity Worker
Joining us is
easier than ever
The right choice for all your banking needs
Every week, thousands of new customers • Mortgages: some of the most innovative
join AIB because they’ve heard about and competitively priced mortgages you’ll
the great benefits of banking with us. find anywhere.
We like to make our new customers feel
especially welcome and have a range of • AIB Phone & Internet Banking: saves you
accounts and products to suit your needs. time and makes your banking even easier
and more convenient.
• Great rates on savings: a range of regular
and lump sum saving options to help you • Insurance cover: bringing you peace
make the most of your money. of mind for you and your family.
• Great service: friendly staff who take the
time to explain everything clearly to you
– at over 280 branches.
• Flexible loans: a range of personal and
business loans to cater for your every need.
Get in Touch
Drop into a branch today, call us 1850 724 724 or click on
www.aib.ie and we’ll talk you through the easy way to join us
4 Joining Us Joining Us
Switching
Thinking of
switching?
Just follow these 3 easy steps
to move to your new AIB account. All you have to do
It’s easy to
1 Get in touch!
Call into a branch, phone us on 1850 724 724
or click on www.aib.ie and we’ll help you fill
in all the forms.
Gather all your identification papers and bring
open your new
them into a branch these include: passport,
driving licence, or birth certificate – and proof
of address (a utility or other bill).
3 Sign the application forms and let us know the
date you want your new account to be set up.
AIB account
We can usually get you started within 10 working
days of your application.
That’s it!
All you do now is let
Make the move to a better bank us handle the rest…
Switching to AIB is easy! All you need to Switching to AIB brings great benefits too: Everything we do.
do is get in touch, drop into a branch great loan rates, award winning AIB Phone We’ll open your new account, set you Your old bank should transfer any
and we’ll guide you through the process & Internet Banking*, competitive insurance up on AIB Phone & Internet Banking outstanding balances within four working
and help you fill out all the forms. You’ll products, investment products, a range and send you your new bank details; days from when they get an authorised
need to give us the details of your old of credit cards to suit your lifestyle, great in general help you to customise your request from you or us.
bank account and proof of your identity savings options and of course a very warm banking so that it suits you!
i.e. a passport or drivers licence and a welcome from all of us at AIB! Finally, we’ll confirm to you that we have
utility bill as proof of your address. Next, we’ll set up new standing order transferred all your balances, standing
* Winner of the Golden Spider Award for best instructions and advise all direct debit orders and direct debits.
We’ll take care of the rest, including moving financial website, 2006 originators of your change of bank details
all of your existing standing orders and to meet your agreed transfer date. Congratulations and welcome!
direct debits. You’ve just moved to AIB.
Joining Us Joining Us 7
Current Accounts
“Planning our family finances is
easy with AIB. We keep track of our
balances online and they’re really
helpful in our local branch if we Our staff will be glad to help you here today
Drop into a branch today, call us on 1850 724 724
or click on our award-winning website www.aib.ie
need to talk to someone.” Claire, 40, Nurse
Better banking
every day
Choose AIB for all your daily banking needs
Everyday banking at AIB gives you • Access your account whenever suits you
everything you want from a bank. through AIB’s Phone & Internet Banking
It just makes sense: service. Check your balance, pay bills,
transfer money and much more.
• Earn interest with our High Interest
Current Account. • You can easily send money abroad using
AIB Phone & Internet Banking.
• Bank free of maintenance and transaction
fees when you use your AIB Debit Card and • Over 2,000 ATMs in Ireland and 300,000
our AIB Phone & Internet Banking services. worldwide give you fast access to your
cash when and where you need it.
• Over 280 outlets nationwide: no matter
where you are in Ireland you're never far • All AIB customers can lodge or withdraw
from a local branch of AIB. cash or pay their AIB credit card bill
with cash at 1,000 post offices all over
• Pay for goods and services worldwide the country.
using your AIB Debit Card.
8 Joining Us Joining Us 9
Personal Loans Top Tip
Build a good track record with
The right
the bank. For example, conduct
all of your banking business
with AIB. It will help you when
you need to arrange a loan.
loan for you
Make it happen with AIB
Why not live the dream today? • Personal loans are available for holidays,
Whatever you want to buy or do, an AIB wedding expenses, education, home
personal loan is a great way to make it improvements and more.
happen. As a customer of AIB, arranging a
loan is a short and simple process. You can • Drive off in your dream car with AIB’s
choose to apply online, by phone or through extensive range of car finance options.
your branch, whichever suits you best.
• Check out our competitive interest rates
We offer a range of loans for whatever you and latest offers online or in branch.
want – whether it’s for your dream kitchen,
ideal car, or just the holiday of a lifetime. • We offer flexible repayment terms
Getting a loan with AIB is easy, deciding to suit your income.
on what you want it for is the hard bit!
“Going back to college was a big step for
me. I needed a loan for my part-time
business course and the bank offered me a
good rate – they understood I’d boost my
earning power.” Conor, 34, Part-time MBA Student
Our staff will be glad to help you here today
Drop into a branch today, call our dedicated loans team on 1850 724 724
or click on www.aib.ie
10 Joining Us Joining Us 11
Savings Accounts Top Tip
Set up a standing order for
regular savings. If you set
up a standing order to go to
your savings account on the
day that you get paid, you are
less likely to spend the money
and you will get into the habit
of saving without even being
conscious of it!
Smarter
savings
Savings products for your every need
Saving makes sense for all sorts of • Access to a number of your savings
reasons, from planning for your dream accounts through any one of our branches
home or holiday to keeping some cash nationwide, or through our AIB Phone &
for that ‘rainy day’. At AIB we offer a Internet Banking Service.
wide range of savings options to suit
your individual saving needs. Whether • Safety and security, your money is safe
it’s for short-term, long-term, regular and earns a competitive interest rate.
or lump sum savings, there’s an
account to suit you. • No transaction fees apply to our savings
accounts.
Opening up a savings account with AIB
couldn’t be easier, you’ll find a Qualified • We also have a great website full of useful
Our staff will be glad to help here today Investment Advisor in all of our branches, tips for our younger savers. Check out
Drop into a branch today, call our dedicated savings accounts who’ll be glad to discuss the best www.aib.ie and visit the kids section for
team on 1850 724 724 or click on www.aib.ie options for you. loads of interesting facts and information.
Here are some great reasons to save
with AIB:
• A wide range of savings accounts;
“I’m saving for a car with an AIB savings – Regular Savings Accounts:
including our competitive Regular
account. I get a great rate and can take
Savings Account, and our Personal
Savings Plan range.
– Lump Sum Savings Accounts:
the money out any time – so I’m ready including our Special Term Accounts,
Notice Accounts and our Fixed
Term Accounts.
to snap up my dream car.” Aoife, 23, Researcher
12 Joining Us Joining Us 13
Mortgages Top Tip
For First Time Buyers there can be a bewildering
array of offers; Tracker rates, Fixed rates or a
Standard Variable rate. Talk to an AIB Mortgage
Adviser about your options. If you do the
groundwork early, you will be able to move
faster when you do find your ideal home.
Your mortgage,
your bank
The right place for great home loans
Whether you’re a First Time Buyer • We can help with the process of applying
or moving house, an AIB mortgage will for a mortgage and purchasing your
give you value over the life of your first home.
loan. Applying for a new mortgage or
“We have all our bank accounts with
transferring your existing mortgage is • We have a range of competitive Tracker
easy and our staff will give you all the rates, including a discount in the first year.
support and advice you need.
AIB so it made sense to get • We offer all customers flexible repayment
options, including Interest Only, Deferred
Start and Repayment Holidays.*
a mortgage with them. We got a • We can also provide you with the additional
products needed in order to drawdown your
great rate, and once we had been mortgage, such as Mortgage Protection/Life
Assurance and Home Insurance.
making repayments for 4 years we • A friendly and efficient service.
could take a repayment holiday Talk to a Mortgage Adviser at your local branch today, click on www.aib.ie or select the online ‘Call Me’ button
and we’ll call you back at your convenience
for 6 months.” Maggie, 52, Homemaker
* The above repayment options may impact on
the amount and/or terms of the mortgage.
14 Joining Us Joining Us 15
Investments and Family Protection
Your future is worth
some investment
Effective planning is time well spent
How good is your financial planning • Financial Protection for your family You work hard for your money, so it is
today? There’s no time like the present against illness or death. important to manage it carefully and
to start planning for the future. AIB have effectively – to ensure that you and your
a team of highly trained and experienced • Retirement Planning. family can look forward to a secure and
Financial Advisers, who specialise in rewarding future.
helping our customers find answers to • Inheritance tax planning – put a plan in
many of the questions they may have place now, so that when you die, your Contact your local AIB branch today to
about their financial planning, including: family won’t have to sell assets to pay the make an appointment with one of our
inheritance tax due. Financial Advisers, who can guide you
though the entire financial process.
• Making the most of your Investments
and Savings, via our range of property What’s more, it’s provided to you
and equity based funds. free of charge, and without any
obligation whatsoever.
“I like to mix secure, long term
investments and higher risk funds
with more potential for faster growth.
AIB had sound advice and good Contact your local AIB branch today
Make an appointment with one of our Financial Advisers, who can
products. Now I can help the family guide you though the entire financial process of investing
more and take it easier later on.”
Dermot, 54, College Lecturer
16 Joining Us Joining Us 17
Pensions
Investing in
your future
Start now for a better retirement
Sorting out your pension now means • Approved Retirement Fund: keep control
having more time to enjoy life when of your fund in retirement, as an “ARF”
you’ve finished working. Your first step allows you to continue investing your
should be to meet with an AIB Adviser funds and make withdrawals when you
who can cut through the jargon and help need them too.
you to develop a retirement plan which
is easy to understand and is tailored to • PRSAs: flexible and portable pensions
your personal needs. Examples of AIB’s which are available to almost everyone,
range of retirement solutions include: and you can take them from job to job.
• Executive Pension Plan: a tax efficient • Retirement Tax Allowances: we’ll tell you
way for owner-directors and employees how much you can contribute and the most
to fund for retirement. tax efficient way to fund for retirement.
“My dad always said starting a pension early
was a smart move. The fund builds quickly
and it’s a tax efficient way to save. My friends
The sooner you start, the more you’ll save
Drop into a branch today, call us on 1850 724 724
were sceptical at first, now they’re doing
or click on www.aib.ie
the same.” Stephen, 24, IT Consultant
18 Joining Us Joining Us 19
Insurance Top Tip
Get 10% off when you buy
online, click on www.aib.ie
Insurance
online for less
Whatever happens, be covered
You need reliable insurance cover to • Travel Insurance: make sure your
protect your home, your car and your travel cover matches your trip.
health and to give you peace of mind Multi-trip annual, single trip and
when you travel abroad. AIB offers an Backpacker policies. Instant cover
outstanding range of insurance cover with policy confirmation and
available all with 10% discount emergency number details sent
“It’s cover you can rely on and online at www.aib.ie.
• Car Insurance: get a quote in just a few
by text to your mobile.
• Health Insurance: switch today and
it’s easy to get a quote and clicks and arrange instant cover online
with great discounts for AIB customers.
you could save up to 18% with no loss
of cover when switching from another
health insurance provider.
arrange cover instantly online.” • Home Insurance: protect whatever you
value most. Design the cover that suits
you for your home.
Eammon, 42, Office Worker and Lifeboat Volunteer
Get in touch online today
Click on www.aib.ie
20 Joining Us Joining Us 21
Credit Cards Top Tip
Use your credit card abroad
We have
instead of carrying large
amounts of cash with you.
If it’s lost or stolen, then it’s
easy to cancel and replace.
a card with
your name
on it
Make the most of now
Choosing a credit card is easy with • AIB 'be' Visa/MasterCard: the 'be' • Manage your credit card online:
AIB. We offer a range of options so Visa/MasterCard rewards customers who with AIB Phone and Internet Banking
you’re always in control; great rates, spend €5000 or more in a 12 month you can view and pay your credit card
simple repayment methods, and some period with a lower APR. bill online quickly and easily and sign
great bonus offers when you take out up for our e-Statement service.
a new card. Simply select the credit • AIB Platinum Credit Card: the AIB
card that suits your needs. Platinum Credit Card exceeds all • Up to 56 days interest free credit:
expectations. We reward you for using if you clear your balance in full and
your card with cash back on purchases. on time each month, your purchases
are interest free.
• AIB mc2 Student Credit Card: our
specially designed student credit card • Instant cash: you can use your AIB
allows you to make purchases and pay credit card along with your PIN to
for them on a monthly schedule that withdraw cash at any ATM machine
fits your budget. or branch that displays the Visa or
MasterCard logo at home and abroad.
“I use my AIB credit card every day for
shopping, petrol, the odd treat and
then I pay it off each month so it’s
Our staff will be glad to help in branch today
Drop in branch today, call our dedicated credit card team
on 1850 724 724 or click on www.aib.ie
interest-free. And it’s the safest way
to carry cash on holiday!” Clodagh, 26, Marketing Assistant
Joining Us Joining Us 3
Students and Graduates
Keeping your
finances on track
Grade A banking
for students
Banking with AIB is a great choice for • We have a very competitive student • Student Travel Services: we offer
students. We offer so many innovative package, with great incentives for insurance packages specially for
services to help make it easier for you opening and operating your account and students and loans to help you
to concentrate on your work – and play. you can enjoy banking free of maintenance spread the cost of your trip.
There are many benefits to banking with and transaction fees on your AIB Student
AIB just look at what we offer: Plus Account. • Mobile top-ups: using ATM, AIB Phone
& Internet Banking or by text using your
• We have a branch on most of the major • Reduced rate student loans and overdrafts: mobile phone.
college campuses and with over 280 to match your needs, e.g. for tutition fees
branches nationwide, you’ll never be or accommodation. • Student MasterCard (mc2): a more
far from an AIB branch. convenient way to shop online, allowing
you to pay for purchases on a monthly
schedule that fits your budget.
Helping Graduates to get moving
At AIB we recognise the challenges • As a graduate you can enjoy banking • Professional Mortgage Advisers available
facing you when you leave college free of maintenance and transaction to help you with your decision when the
and start your career. That’s why we fees on your current account. time comes to buy your first property.
have a specially tailored banking
package to help you out. We want to • We offer interest free overdrafts up • Time to upgrade the car? We’ll make
be there to support you and help you to €1,000 and reduced rate loans. it easy for you to apply for and drawdown
get your working life off to the best your loan, leaving you free to concentrate
possible start. on the choice of wheels!
“I have always wanted to be a graphic designer and studying
Get in Touch
Drop into a branch today, call us on 1850 788 336
in Dublin is a dream come true. AIB give me the support
or click on www.aib.ie
and flexibility I need to get through the lean times, so I can
get on with my studies.” Erin, 19, Graphic Design Student
24 Joining Us Joining Us
Budget planner Notes
Income Person 1 Person 2 Combined
Household
Pay After Tax
Pension Income
State Benefits
Interest/Investment Income
Children’s Allowance
Other
TOTAL COMBINED
Outgoings Monthly cost
Household
Mortgage/Rent
Electricity
Heating/Gas/Oil
Telephone
Home/Health/Life Insurance
Property Maintenance
TV Licence/Cable TV/Satellite
Local Authority Charges
Transport
Other
Total Household
Education
Fees
Uniforms
Books/Accessories
Accommodation
Other
Total Education
Leisure and Travel
Entertainment
Alcohol
Hobbies
Travel/Flights/Accomodation
Spending Money
Other
Total Leisure and Travel
Motorist
Insurance
Road Tax
Servicing & Repairs
Other
Total Motorist
Miscellaneous
Charity
Groceries
Other
Total Miscellaneous
TOTAL
Joining Us Joining Us 27
Gaeilge
Geallúint AIB
duitse
Geallúint AIB duitse. • Cuntais ghnó: má tá do ghnó féin á thosú
Pléifimid leat go cothrom agus go nó á reáchtáil agat, tairgímid seirbhís
hionraic chun cabhrú leat an leas is mó iomlán baincéireachta gnó, a chuirfimid
a bhaint as ár seirbhísí baincéireachta in oiriúint do do riachtanais féin.
agus airgeadais. Ní oibríonn sé dúinne
ach amháin má oibríonn sé duitse. • Infheistíochtaí: tá sé simplí infheistíocht
a dhéanamh le do chuid airgead i stoic
Is féidir cuntas taisce a oscailt linne go agus scaireanna le AIB. Labhair le duine
mear agus go héasca: Níl uait ach do phas dár gcomhairleoirí airgeadais faoi
mar chruthú aitheantais agus bille fóntais roghanna a oireann duit.
mar chruthú ar do sheoladh Tá réimse
iontach táirgí agus seirbhísí á dtairiscint • Morgáistí: is furast do theach féin a
againn chun cabhrú leat an leas is mó a cheannach in Éirinn le AIB; tá réimse
bhaint as a bheith ag baincéireacht linn: iomlán roghanna morgáiste againn do
cheannaitheoirí céad uaire agus d’úinéirí
Cuir léaráidí de phas, srl., isteach anseo. a bhfuil áit chónaithe acu cheana féin.
• Cuntas Reatha: tá sé an-éasca do chuid • Pinsin: bain níos mó taitneamh as do
bhaincéireacht laethúla a thosú linn. scor le pinsin AIB. Má thosaíonn tú do
Gheobhaidh tú carta dochair laistigh chuid íocaíochtaí pinsin go luath, beidh
10 lá oibre. tú in ann an caighdeán maireachtála
atá agat a chaomhnu nuair a bhíonn
• Cuntais Coigiltis: Íocaimid rátaí deireadh le d’fhostaíocht.
Ní gá ach glaoch orainn chun coinne a shocrú ag an gcraobh úis iontacha.
is gaire duit nó dul ar líne ag www.aib.ie • Árachas: tairgíonn AIB clúdach do
• Iasachtaí pearsanta: tairgíonn AIB na nithe tábhachtacha i do shaol: Is
íasachtaí pearsanta ag rátaí iomaíocha féidir linn cosaint a thabhairt dod’ áit
úis. Féadfaidh tú ár n-iasachtaí a úsáid chónaithe, do shláínte, do chuid taistil,
chun íoc as gluaisteáin, táillí coláiste, do charr nó fiú dod’ thuarastal lenár
“Bhí ionadh orm mar bhí sé an-éasca mo feabhsúcháin tí, nó fiú as togha saoire! bpleananna árachais.
chuntas nua a oscailt. Tá an fhoireann
• Cártaí creidmheasa: roghnaigh ceann • Íocaíochtaí Idirnáisiúnta: tá sé éasca
den réimse iontach cártaí creidmheasa cistí a aistriú thar lear ag úsáid do
atá againn do na tráthanna sin nach chuntas AIB, go háirithe ar an Idirlín.
an-chairdiúil agus an-chuidiúil. Bainim mian leat airgead tirim a úsáid, nó don
siopadóireacht laethúil. • Bancéireacht Fóin agus Idirlíne: téigh
isteach sa chuntas aon uair is maith leat.
úsáid as AIB ar son mo chuid gnóthaí Is féidir leat do iarmhéid a sheiceáil, do
fhón póca a bhreisiú, airgead a aistriú,
billí a íoc agus níos mó.
airgeadais gnó agus pearsanta uile anois.”
Padraig, 28, Meicneoir
28 Joining Us Joining Us 9
Polski
AIB obiecuje!
Będziemy Cię traktować w sprawiedliwy • Kredyty hipoteczne: z AIB kupno
i uczciwy sposób, aby pomóc Ci w jak własnego domu w Irlandii nie jest
najlepszym korzystaniu z naszych usług trudne; dysponujemy wieloma opcjami
bankowych i finansowych. Nasz priorytet hipotecznymi zarówno dla osób
to Twoja satysfakcja. kupujących dom po raz pierwszy, jak
i dla właścicieli nieruchomości.
Z nami możesz szybko i łatwo otworzyć
rachunek oszczędnościowy: wystarczy tylko • Emerytury: twoja emerytura z AIB jest
pokazać paszport, celem potwierdzenia przyjemniejsza. Wczesne rozpoczęcie
Twojej tożsamości oraz rachunek za media wpłacania składek emerytalnych może
celem potwierdzenia Twojego miejsca znacząco zwiększyć wartość końcowego
zamieszkania. Oferujemy szeroki asortyment funduszu emerytalnego.
produktów i usług, które pomogą Ci w
jak największym stopniu wykorzystać • Ubezpieczenie: AIB oferuje ubezpieczenie
naszą ofertę: wszystkiego, co jest w życiu ważne: dzięki
naszym pakietom ubezpieczeniowym
• Rachunek bieżący: rozpoczęcie korzystania możemy zabezpieczyć Twój dom, zdrowie,
z naszego banku jest bardzo proste. W podróż, samochód, a nawet pensję.
ciągu dziesięciu dni roboczych otrzymasz
kartę debetową. • Przelewy międzynarodowe: przelew
gotówki za granicę jest bardzo łatwy
• Konta oszczędnościowe: oferujemy przy korzystaniu z konta AIB – zwłaszcza
bardzo korzystne oprocentowanie. przez Internet.
• Kredyty dla ludności: AIB oferuje kredyty • Bankowość telefoniczna i internetowa: Zadzwoń do nas i umów się na spotkanie
dla ludności z konkurencyjnymi stopami kiedy chcesz, możesz uzyskać dostęp w najbliższym oddziale lub odwiedź naszą
procentowymi. Dzięki nim możesz zapłacić do swojego rachunku, sprawdzić saldo, stronę: www.aib.ie
za samochód, czesne w szkole, renowację doładować konto telefonu, przelać
domu lub za wymarzone wakacje! pieniądze, opłacić rachunki i wiele,
wiele więcej.
• Karty kredytowe: wybierz jedną z
„Kiedy pierwszy raz prz yjechałam do Irlandii, nie wiedziałam, jak
kart kredytowych z naszego bogatego
asortymentu, by posłużyć się nią, kiedy
nie chcesz płacić gotówką lub aby płacić
za codzienne zakupy
• Rachunki dla podmiotów gospodarczych:
założyć sobie rachunek bankowy. AIB okazało się bardzo pomocne –
jeśli rozpoczynasz lub prowadzisz
już własną działalność gospodarczą,
zapraszamy do skorzystania z
zatrudniają nawet ludzi , z którymi mogłam porozmawiać w moim języku.
kompletnych usług bankowości
biznesowej, którą możemy dostosować
do Twoich potrzeb.
Zaskoczyło mnie , jakie proste okazało się założenie nowego rachunku.
• Inwestycje: inwestowanie Twoich pieniędzy Teraz korzystam z usług AIB w zarządzaniu wszystkimi moimi finansami,
zaró wno firmowymi, ja k i prywatnymi. Dzięki AIB czuję się tutaj jak w
w akcje i udziały za pośrednictwem AIB
jest bardzo proste. Możesz porozmawiać
ze swoim doradcą inwestycyjnym o
opcjach, które będą dla Ciebie najbardziej
odpowiednie. domu.” Magda, 28, fryzjerka
30 Joining Us Joining Us 31
中文
AIB 对您
承诺
我们以公平和诚实的态度对待您，帮助您 • 投资： AIB 合作将您的钱投资股市是
与
充分享用我们的所有银行和财务服务。只 件很容易的事情，请咨询财务顾问了解
有让您满意，我们才会满意。 哪种选择适合您。
在本行开立储蓄存款帐户非常便捷： • 住房贷款：AIB 能够帮助您在爱尔兰方
您只需出示护照证明身份并出示水电煤气 便地购买住房；我们为初次购房者和已
收费单证明住址即可。我们提供种类繁多 拥有住房者提供多种住房贷款选项。
的产品和服务，帮助您充分利用我们的银
行服务： • 养老金：有了AIB退休金账户，可更好的
享受退休生活。早些开始您的养老金支
• 活期帐户：与我们开展您的日常银行业 付能够为您的最终养老金带来巨大的
务是件非常容易的事情。您将在 10 个工 差异。
作日内获得一张银行卡。
• 保险：AIB 您提供所有重要保险项目：
• 储蓄账户：我们支付诱人的利息。 包括住房、医疗、旅行、汽车保险，甚至
包括工资保险。
• 个人贷款：AIB 以具有竞争力的利率提
供个人贷款。您可用我们的贷款购买汽 • 国际支付：使用AIB账户汇款到国外很简
车，支付学费，装修住宅，或者用作渡假 单-特别是在互联网上。
开支！
• 电话和网络银行：在任何时候您都可以
• 企业帐户：如果您开办或经营自己的 访问您的帐户，检查余额、充电话费、
企业，我们能提供全部企业银行服务， 资金转帐、支付帐单以及其他更多服务。
并根据您的具体需要加以调整。
您可以致电我们， 约定到附近的AIB分行面谈，
也可在网上查看 www.aib.ie
“我刚到爱尔兰的时候， 不知道怎么去银行开户 。AIB热心帮忙，我还
能打电话给会讲我的语言 的工作人员。 我想不 到那么容易就开了新
帐户。我现在所有的公私财务都通过AIB办理。 这家银行让我感到宾
”
至如归。 露拉 (28，美发师)
3 Joining Us Joining Us 33
Important/
Regulatory wording
For banking free of maintenance and For Graduate Loans Warning: subject to monthly repayment burden, typically For Credit Cards For Savings Products
transaction fees for Current Accounts, A typical €1,000 three year variable interest rate You may have to pay charges if you not exceeding c. 35% of borrowers disposable Terms and Conditions apply. Credit facilities Terms and Conditions apply. Please drop into
High Interest Current Account, AIB Student Graduate loan will have monthly repayments pay off a fixed rate loan early. income and will vary according to individual are subject to repayment capacity and financial your local branch or click on www.aib.ie for
Plus Account and AIB Graduate Account of €31.53 APR 8.72%. If the APR does not vary circumstances. Loan requests considered on the status and are not available to persons under more information on our savings accounts.
Other charges still apply. Please see during the term of the loan (excluding Payment Where Interest only option is availed of: basis of proof of income, financial status and 18 years of age. Government stamp duty of €40
‘A Guide to fees and charges for Personal Protection Plan) the total cost of credit of this demonstrated repayment capacity (including is charged annually per Credit Card account. For Debit Cards
Current Accounts’. loan i.e. total amount repayable less the amount Warning: capacity to repay at higher interest rates). Loans The Lower APR, currently 15.15% (variable) Debit Cards are liable to annual Government
of the loan, would be €135.08. The entire amount that you have not available to people under 18. Mortgage applies to cardholders with purchases equal to Stamp Duty. Currently €10 per card applies
For AIB Debit Card usage abroad borrowed will still be outstanding at loans by their nature require to be secured by a or exceeding €5,000 in a 12 month assessment where the card is used for either an ATM/In Branch
Other charges still apply. Please see our For Student Plus Loans the end of the interest-only period. mortgage and charge on the subject property. period. The Higher APR, currently 18.15% transaction or a Point of Sale transaction, and
‘Schedule of International Transaction Charges’ A typical €1,000 three year variable interest rate (variable) applies to cardholders with purchases €10 per card applies where the card is used for
brochure for details. Student Plus loan will have monthly repayments A typical €100,000 20 year variable interest rate not exceeding €5,000 in a 12 month assessment both. Government Stamp Duty of €20 is charged
of €32.22 APR 10.33%. If the APR does not vary WARNING: YOUR HOME IS AT RISK IF YOU mortgage (Standard Variable or Tracker rate) period. Incur any two instances of late payment annually on Banklink Cards. Government stamp
For all Credit Facilities during the term of the loan (excluding Payment DO NOT KEEP UP REPAYMENTS ON A for an Owner Occupier residential Property will fee, returned payment fee or over limit fee duty of 15c per cheque applies , i.e. €3.75 for
Lending criteria, terms and conditions apply. Protection Plan) the total cost of credit of this loan MORTGAGE OR ANY OTHER LOAN SECURED have monthly repayments of €664.30 APR 5.21%. within a 12 month assessment period and each book issued to you.
Credit facilities are subject to repayment capacity i.e. total amount repayable less the amount of the ON IT. THE REPAYMENT RATES ON THIS If the APR does not vary during the term of the interest will be charged at the higher APR from
and are not available to persons under 18 years loan, would be €159.92. HOUSING LOAN MAY BE ADJUSTED BY THE mortgage, the total cost of credit i.e. total amount the next statement regardless of spend. Quotations
of age. Security may be required. LENDER FROM TIME TO TIME. repayable less the amount of the mortgage, would All quotations have been sourced in 2007.
For Overdrafts be €59,432.00. The effect of a 1% increase in For AIB Credit Card usage abroad The names of the individuals have been changed
For Personal Loans A Facility Fee of €25.39 applies. No facility fee Note: The above notice in respect of adjustments interest rates for such a mortgage will add €56.13 Other charges still apply. Please see our to protect their identity. The people featured
A typical €5000 three year variable interest rate applies where customers hold a Graduate or to repayment rates will not apply during any to monthly repayments. ‘Schedule of International Transaction Charges’ have received a gratuity on behalf of AIB for
loan will have monthly repayments of €161.46 Student account package. period when the loan is at a fixed rate. If you or brochure for details. their assistance in producing this brochure.
APR 10.50%. If the APR does not vary during the your dependants intend to use the property as Rates and repayments correct as at 18/06/2007.
term of the loan the total cost of credit of this For International Payments a principal place of residence, you must show Lending criteria, terms and conditions apply. For Insurance Terms and Conditions apply. Allied
loan i.e. total amount repayable less the amount Please see our ‘Schedule of International evidence of mortgage protection insurance, Allied Irish Banks, p.l.c. is an authorised agent Terms and Conditions apply. AIB Insurance Irish Banks, p.l.c. is regulated by the
of the loan (excluding Payment Protection Plan), Transaction Charges’ brochure for details unless you are exempt under the Consumer and servicer of AIB Mortgage Bank in relation Services Limited is regulated by the Financial Financial Regulator.
would be €812.56. of our charges. Credit Act 1995 (while Allied Irish Banks, to origination and servicing of mortgage Regulator.
p.l.c. (AIB) can arrange mortgage protection loans and mortgages.
For Current Accounts For Mortgages insurance, you are free to seek this insurance VIVAS
Terms and conditions apply. from other sources). Maximum loan to value of AIB Mortgage Bank and Allied Irish Banks, p.l.c. Terms and Conditions apply. VIVAS Insurance
Warning: Owner Occupier Residential Properties – 92% of are regulated by the Financial Regulator. Limited, trading as VIVAS Health is regulated
For High Interest Current Account The cost of your monthly purchase price or valuation whichever is lower. Allied Irish Banks, p.l.c. and AIB Mortgage bank by the Financial Regulator. AIB Insurance Services
Interest subject to DIRT. You must lodge a repayments may increase – If you Maximum loan to value of Buy-To-Let/Investment subscribe to the Voluntary Code of Conduct on Limited is regulated by the Financial Regulator.
minimum of €1,500 per month to qualify. do not keep up your repayments properties – 85% of purchase price or valuation pre-contractual information for home loans. Allied Irish Banks p.l.c has an indirect holding
Interest will be earned on a maximum credit you may lose your home. whichever is lower. Normal lending levels are A copy of the Code is available on request. of 30% in VIVAS Insurance Limited.
balance of €1,500 per month.
34 Joining Us Joining Us 3
Our Products
For more information on all our products,
please pick up a brochure in branch,
call us or go online.
Agriculture Mortgages
Business banking Pensions
Credit cards Personal Loans
Current accounts Savings
Insurance Students & Graduates
Investments
Call us on 1850 724 724 or click on www.aib.ie
38 Joining Us Joining Us 39
Contact Us
Opening an account with AIB is easy,
we offer a range of accounts to suit
your needs and always try to make our
customers feel welcome.
Ask at your branch, call us on
1850 724 724
or click on www.aib.ie
CPC AIBM/BR1 07/07 AIB451B00001BRA4