Eligibility criteria apply. Check terms on AIB (NI)'s website before applying.
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AIB (NI) Offer Summary
Detailed Information
AIB (NI) is offering up to £200 to new switchers, making it one of only a handful of switching deals open to Northern Ireland residents. £100 is paid for completing a full Current Account Switch Service (CASS) transfer, with a further £100 available when a new Regular Saver is opened and £100 deposited within 30 days.
The current account is free as long as it stays in credit, and the eligibility bar is moderate: a £1,500 deposit (higher than the typical £1,000 elsewhere) and 2 active Direct Debits, both within 30 days of the switch. Existing AIB NI customers don’t qualify, and the offer is restricted to UK residents living in Northern Ireland.
If you’re outside NI, this offer isn’t available. However, many other banks run comparable switching incentives across the rest of the UK.
Is AIB (NI) Right for You?
Key Features
- Free daily banking when account is in credit
- Visa debit card included
- Mobile and online banking
- Text alerts for account management
- CASS guarantee - 7 working day switch
- Access to Regular Saver account
Things to Consider
- Northern Ireland residents only (not available in GB)
- Higher minimum deposit than most (£1,500 vs typical £1,000)
- Need to open separate Regular Saver for full £200 bonus
- Must be new customer to AIB NI
- Offer can be withdrawn at any time
Eligibility Requirements
- Must be a new AIB NI Classic Account customer
- Must be 18+ and Northern Ireland resident only
- Switch using CASS from another bank
- Deposit £1,500+ within 30 days of switch
- Set up 2 active Direct Debits within 30 days
- For extra £100: Open Regular Saver within 30 days and deposit £100+
Always verify the current requirements on AIB (NI)'s website before applying, as terms may change.
How the Switch Works
AIB (NI) uses the Current Account Switch Service (CASS), which guarantees your switch completes within 7 working days. All Direct Debits and standing orders move automatically, and payments to your old account are redirected for 3 years.
Day 1 — Apply & Request Switch
Complete your application and request the account switch via CASS.
Day 7 — Switch Completes
Direct Debits and standing orders are moved automatically. Payments to your old account are redirected.
First Month — Meet Requirements
Ensure all eligibility criteria are met, including any deposit or transaction requirements.
~Day 60 — Bonus Paid
If all criteria have been met, the switching incentive is typically processed.
Tips & Things to Watch For
Helpful Tips
- Total bonus can reach £200 (£100 for switch + £100 for Regular Saver)
- Regular Saver bonus is triggered by a £100 deposit
- Keep account in credit to avoid monthly fees
- Set up Direct Debits before switch to ensure they're "active"
- Activate online banking within 14 days of opening the account
- Both bonuses paid within 60 days of meeting criteria
Common Issues
- Not meeting the £1,500 deposit requirement (higher than other banks)
- Forgetting to open Regular Saver within 30 days
- Not depositing £100 into Regular Saver to trigger second bonus
- Applying if you're not a Northern Ireland resident
- Already having an AIB NI current account
Need Direct Debits? If you don't have 2 active Direct Debits for the switch, you can support Scrimpr via Direct Debit (50p or £1/month) — it counts towards the requirement and helps keep this site free.
Offer History
How AIB (NI)'s switch offer has changed over time.
| Offer | Period |
|---|---|
| Up to £200 | Apr 2026 - present |
| Up to £200 | Apr 2025 - Oct 2025 |
Frequently Asked Questions
The switching incentive is only available to customers who meet all eligibility criteria. Not all applicants will qualify, and AIB (NI) reserves the right to decline applications or withhold bonuses if requirements are not met.
When using the Current Account Switch Service (CASS), your previous account is typically closed automatically as part of the switching process. All payments are redirected to your new account for a minimum period of 3 years.
The Current Account Switch Service (CASS) guarantees completion within 7 working days. This includes moving your Direct Debits and standing orders.
Most switching offers have eligibility restrictions for previous customers. Check the specific terms and conditions on AIB (NI)'s website, as you may be excluded if you've held an account with them recently.
Opening a bank account typically involves a credit check. While a single application usually has minimal impact, multiple applications in a short period may affect your credit profile. If you're planning to apply for credit soon, consider the timing carefully.
Direct link to AIB (NI). Scrimpr earns no commission from this link and isn't endorsed by AIB (NI). Eligibility criteria and terms apply. Not all applicants will qualify. AIB (NI) is regulated by the FCA (Register: 122088).
This page is for guidance only and does not constitute financial advice. Offers are subject to availability and may be withdrawn at any time. Always verify current terms directly with AIB (NI).