- Who can open an account on their mobile?
New customers who dont hold any accounts with AIB or who had previously closed accounts with us and are:
- Aged 16 and over
- Resident of the Republic of Ireland
- Hold a valid Passport or other acceptable Photographic ID
Existing customers can open an account more easily via the "Apply & Open" tab on AIB Internet Bankingor via the AIB Mobile App.
- What accounts can I open from my mobile?
New customers that dont hold any accounts with AIB or who had previously closed accounts with us, can open one of the following types of personal sole current accounts:
- Personal Current Account
- Basic Bank Account
- Graduate Account
- Student Plus Account
- Student Account
- Advantage Account
If you wish to open anyother type of current account, please drop in to your local AIB branch.
Existing customers can open a Personal Current Account or an Advantage Account more easily via the "Apply & Open" tab on AIB Internet Banking.
- I’m already an AIB customer, can I open a current account on my mobile?
If you are an existing customer we have all the details we need. Existing customers can open a Personal Current Account, or an Advantage Account more easily via the "Apply & Open" tab on onAIB Internet Banking.
- Can I open an account on my mobile and then switch my accounts from another bank?
No, you need to visit your nearest AIB branch and one of our Customer Service Officials will be happy to take you through the next steps for switching your Personal Current Account(s).
- Arriving in Ireland from Ukraine - what you need to open a bank account?
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- If I cannot open my current account on mobile, what are my options?
You can still open an AIB current account through any ofour branches. Just remember you will need to bring avalid form of photographic identification and proof of current permanent address.
- What do I do if I haven’t received my address code in the post?
The address code is issued once you have fully completed the account opening process.
If you have not received the address code, go back into the app to ensure that you have fully completed all the questions.
See AlsoBanking and returning to IrelandIf you have fully completed the process and have still not received the address code or if your address has changed since you completed the process, you will need to drop into an AIB branch with a proof ofcurrent permanent address. You will also need to bring a valid form of photographic identification.
The address code is a one time sending and cannot be reissued.
- How long is the 6 digit verification code on the letter valid for?
The 6 digit verification code on the letter is valid for 30 calendar days. If you do not enter the code on the letter, within this time period, you will need to drop into an AIB branch with a proof ofcurrent permanent addressin order to complete the address verification process. You will also need to bring a valid form of photographic identification.
- How long does the whole process take to complete on a mobile phone?
Our aim is to have your account opened in 15 minutes from the time you download the app, call our agents and fill in your information. Your account will not be fully active until you enter your address verification code.
We aim to have your debit card issued within 5 working days of opening your account, subject to entering a valid verification code.
- Why is my video call not connecting?
You will need to be connected to Wifi in order for the video call to connect as 3G / 4G is not a strong enough connection.
Please note:AIB branch WiFi cannot be used to complete this video call, so you would need to connect to another source of Wifi.
- Is the video call with an AIB staff member?
No. We have partnered with a thrid party called, IDnow, to verify your identity.
IDnow have staff available from 7am - 11pm, 365 days a year to verify your identity, on our behalf.
- Do IDnow have access to my personal information?
During the video call the information that you have provided up to the point of the video call will be viewed by IDnow for the sole purpose of completing the identity verification. Once the call is completed IDnow will no longer be able to view or access any of your personal information. IDnow will not save or store any of your personal data.
If the call is not completed successfully, the data captured is deleted immediately.
- What happens if you are unable to verify my identity on the video call?
There may be a number of reasons why the video identification might fail, for example, if the identification document you provide is not of sufficient quality for us to complete the verification or if the internet connection is not strong enough for the video call. In some cases we may ask you to try again at a different time or we may advise you to drop into an AIB branch in order to complete the process with avalid form of photographic identification and proof of current permanent address
If the call is not completed successfully, the data captured is deleted immediately.
- Can I supply my tax details at a later date, I do not have them to hand?
Depending on the country that you are tax resident in, you may need to provide the tax details at account opening. You can find out more informationhere.
FAQs
What are three questions you should ask when opening a bank account? ›
9 questions to ask before opening a bank account
- What are the bank's fees? ...
- Where are the bank's ATMs? ...
- Is there a minimum balance required? ...
- What's the accounts' interest rate? ...
- Does the bank have good customer service? ...
- Does the bank have online banking and a mobile app?
What do I need to open a bank account? online or in person: a government-issued ID, personal details such as your Social Security number, and a way to fund your new account with an initial deposit.
What are the key steps in the online account opening process? ›Following are the pre-requisites for opening of the account through online mode.
- Aadhaar card.
- Mobile linked to Aadhaar for OTP.
- PAN card.
- Recent scanned image of photograph-Size Up to 1 Mb.
- Scanned image of address proof of address (POA) -Size up to 1 Mb.
- Scanned image of Proof of Identity - Size up to 1 Mb.
Before opening an account at a national bank, community bank, or credit union, there are several questions you should ask:
- What type of fees are there with this account? ...
- Is there a fee for using an ATM? ...
- Is there a minimum balance requirement with this account? ...
- Do you offer online banking or mobile banking?
Nov 12, 2023
Before getting the account opened, the applicant should check whether the account to be opened is a zero-balance account or a minimum amount of money has to be maintained in the account. The bank charges a fine on an account if the money deposited in the account falls below the minimum requirement.
What two pieces of information are required when opening a bank account? ›At a minimum, when opening a new account, a bank must obtain the following information as part of its program:
- Name.
- Date of birth (for an individual)
- Address.
- Identification number.
Online banks offer higher interest rates on savings products and lower interest rates on loans. If you need to deposit cash regularly, you'll likely want the convenience of a brick-and-mortar bank's ATM network.
How do I open an online bank account? ›What you need to open a checking account online
- Verify your identity. There are a few documents you will need to open a checking account whether it is online or in-person. ...
- Make an opening deposit. Some accounts require new account holders to make an opening deposit. ...
- Activate your debit card. ...
- Start using your account.
Summary: Easiest Bank Accounts To Open in 2024
| Account | Approximate time to complete application | Minimum opening deposit |
|---|---|---|
| Revolut: Best All-In-One App | 5 minutes | $0 |
| U.S. Bank Safe Debit Account: Best for Second Chance Checking | 3 minutes | $25 |
| Alliant Credit Union High-Rate Checking: Best for Credit Unions | 5 minutes | $0 |
May 5, 2024
In addition to convenience and security, online banking often comes with cost-saving benefits that can make a significant difference in your financial life. Online banking eliminates the need for physical checks and money orders.
How do online accounts work? ›
Online savings accounts work just like their brick-and-mortar counterparts, which means you can deposit money into the account, withdraw your funds and earn interest. The difference is that you can only manage the account online, through a mobile app or at an ATM, and not at a physical branch location.
What are the 4 C's of banking? ›Concept 86: Four Cs (Capacity, Collateral, Covenants, and Character) of Traditional Credit Analysis. The components of traditional credit analysis are known as the 4 Cs: Capacity: The ability of the borrower to make interest and principal payments on time.
What are 2 questions you should ask before opening an account at a national bank community bank or credit union? ›Whatever institution you choose, make sure to ask these questions about their checking and savings accounts:
- Is there a minimum balance requirement to avoid a monthly fee? ...
- How soon is my money available after I deposit it? (Both banks and credit unions can put holds on large and sometimes even small deposits).
Security questions are used as an additional form of authentication when you log in to Online Banking with your Online ID and password. You will set up your security questions at enrollment and they can be updated any time while you are logged in.
What are three factors you should consider before deciding where to open a checking account? ›To determine the right checking account to meet your needs, consider the following seven important factors:
- Insurance.
- Brick-and-mortar vs. online banking.
- Minimum balance and deposit requirements.
- Fees.
- Access to ATMs.
- Interest rates.
- Mobile apps.
Common types of accounts
- Simple checking accounts. You could call this a "regular checking account." At its heart, a basic checking account lets you write checks, cash or deposit checks, and withdraw money. ...
- Premium checking accounts. ...
- Student checking accounts. ...
- Senior checking accounts. ...
- Business checking accounts.
Benefits of a Bank Account
- Bank accounts offer convenience. For example, if you have a checking account, you can easily pay by check or through online bill pay. ...
- Bank accounts are safe. Your money will be protected from theft and fires. ...
- It's an easy way to save money. ...
- Bank accounts are cheaper.