AIB international transfer: Fees, rates and transfer time

Allied Irish Banks (AIB) is one of the top Irish banks and they offer several ways for you to make international payments. Here’s our guide to what you need to know if you’re looking to make an international transfer with AIB, including what information you need to provide and what it will cost you.

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A quick example before we get started

A theoretical online bank transfer at standard speed sending €1000 from Ireland to a pound sterling bank account in the UK.

While it may look like you’re just comparing the fees at first glance, it isn’t just the stated fees you need to pay attention to.

Please note: AIB’s final total cannot be fully quantified in advance due to potential third-party bank charges. Consequently, this comparison should be viewed as an estimate rather than a direct, like-for-like comparison.

Fees and information based on data from the AIB Schedule of International Transaction Charges (1 July 2026) on date 9 July 2026.

What are the fees for an international transfer with AIB in Ireland?

The cost for sending an international transfer with AIB varies depending on how and where you send it, and how fast you need it to arrive. On top of that, there can be some extra costs associated with the exchange rate and other fees.

Knowing about them can help you decide what the wisest choice in payment partner is for your needs.

AIB international transfer fees

The fees below only apply to online transfers sent via AIB.¹

Those are the fees that AIB currently charges for international payments made online - there’s a different set of fees if you go into a branch and make the transfer. There also may be additional fees charged by other banks involved in the transfer.

The details of your particular case might be different, so it’s best to check directly with AIB if you want to be completely sure of what they’ll charge you.

AIB exchange rates

AIB exchange rates for converting euro amounts up to €70,000 is available on their website.³ These rates are updated daily (on business days), and are variable. The rate is also subject to a charge of up to 1.4% for the conversion.¹

By comparison, Wise uses the mid-market exchange rate, which is the mid-point between the buy and sell prices on the currency market.

This means there’s no additional fees or charges added, and that Wise doesn’t make money from the exchange rate.

The rates are updated every minute, and you can see them online via Wise’s currency converter.

Additional fees

There might be costs other than those set by AIB themselves: sometimes, intermediary banks also get involved in the transfer, and they normally charge a fee too.¹

With AIB, the costs can apply on a Shared or Sender basis:¹

• Shared: The sender pays the fees set by AIB and the recipient pays all the other fees
• Sender: The sender pays the AIB fee, as well as any charged by the Intermediary and Receiving banks

The Shared option isn’t available when sending money to EEA Countries, using AIB Internet Banking or with AIB Kiosk Banking.

Send money with Wise at the mid-market rate

Wise is an alternative way to send money internationally to +140 countries. Wise uses the mid-market rate (the same exchange rate you usually find on Google) and discloses the fees upfront, transparently.

If besides your regular money transfers, you'll also need to make large transfers, Wise can also help you. Wise has built its own payment network that allows customers to send money internationally for less. You’ll get the mid-market exchange rate (the same you usually see on Google) without any markups and low, transparent fees.

Here’s an overview of the main benefits of using the Wise account for large transfers:

• Send money to +140 countries with low, transparent fees
• Send up to 20 million EUR per transfer
• Avoid markups or additional hidden fees in the currency conversion, get the mid-market rate
• Receive dedicated support and unlock volume discounts for large transfers over €22k
• Get sophisticated security and anti-fraud measures, with your money safeguarded
• Set up your account online via website or Wise app
• No monthly/annual account fees
• Get delivery estimates and track your transfers.

And if you often need access to multiple currencies or money in several countries, a Wise multi-currency account can help you even more. It lets you convert and hold money in +40 currencies, and you can receive money like a local in +8 of those via local account details. You’ll also be able to order the Wise debit card to make payments in store and online in +150 countries.

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How do you make an international bank transfer with AIB?

There are 2 ways you can make an international payment with AIB: online or by PayLink international paper application form.¹ If you want to send money online, the easiest ways are to do it yourself using the app, or AIB Internet banking.⁴

Here’s how to make an international AIB transfer using the app but keep in mind this option is only available for SEPA zone transfers:

1. Login to the app
2. Press “Payments”
3. Press “Send a bank transfer”
4. Input the amount being sent
5. Select the account the money is being sent from
6. Select the account the funds are being sent to or add a new payee by pressing “New”
7. Choose whether to do a Standard or Instant transfer
8. Wait for the “Verification of Payee” check to be completed
9. Confirm the details are correct then follow the prompts to finish the transfer.

This is what you need to do to send money abroad with AIB Internet banking.

1. Login to your AIB Internet Banking
2. Click “Transfers and Payments”
3. Select “I want to transfer money internationally” then press “Start”
4. Choose the currency, destination and type of patent
5. Select the account the money is being sent from
6. Input the receiver’s information
7. Enter the security code then confirm to complete the transaction

If you’d prefer to use the paper form, you can visit an AIB branch and a teller can assist.

What do I need in order to make an international money transfer with AIB?

The first thing you’ll need online is your login information, and have your code card or card reader at the ready too. You’ll also need the following details:

• The recipient’s name and address
• The recipient’s IBAN or other account number
• The recipient’s BIC or the name and address of a foreign bank
• The bank branch’s national bank code if they don’t have an IBAN

What do I need in order to make an international money transfer with AIB?

The first thing you’ll need online is your login information, and have your code card or card reader at the ready too. You’ll also need the following details:⁴

• The recipient’s name and address
• The recipient’s IBAN or other account number
• The recipient’s BIC or the name and address of a foreign bank
• The bank branch’s national bank code if they don’t have an IBAN.

How long does an international bank transfer with AIB take?

AIB offers instant, standard and urgent international payment services, so the speed of the transfer depends on which of those options you choose.

• A standard SEPA payment, via their Paylink Euro service: takes 1 business day at most, while an urgent one may arrive on the same day.
• Other payments using their Paylink service: standard payments take 1-4 business days, while instant and urgent payments might arrive on the same day.¹ It often takes longer if you do the request by paper, rather than online.

What time of day do I need to make the transfer by?

To ensure the fastest possible transfer, you should meet AIB’s cutoff times - the latest times in the day you can request the payment and expect the turnaround times listed above to be met.

AIB has a range of different cutoff times depending on the currency, and also on whether the payment is standard or urgent.² Take a look at the list of cutoff times by currency on their website.

Wise transfer speed

For comparison, when sending money with Wise you’ll be able to track and see the progress of your transfer. But here are some general numbers:

• 75% of transfers are completed in under 20 seconds
• 88% of transfers take less than an hour to be completed.
• 96% arrive in under 24 hours.

*Transaction speed claimed depends on individual circumstances and may not be available for all transactions.

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Sources:

1. AIB - international transaction charges
2. AIB - Cut off times
3. AIB - exchange rates
4. AIB - international payments FAQ

Sources last checked on 9 July 2026