Personal Finance Money transfer

What is the AIB transfer limit and how to increase it?

Gabrielle Figueiredo

24.07.26

Read time 3 minutes

Before you send a high value payment with AIB¹ you’ll need to check out the AIB transfer limit for your specific account type.

Join us as we review the AIB transfer limit for different payment types and the cumulative AIB app money transfer limit, which applies daily.

We’ll also introduce Wise as the smart solution for sending large transfers abroad, with over 14.8 million people worldwide moving £36 billion each quarter.

With Wise you can send up to 20 million EUR per transfer, while getting low, transparent fees, the mid-market exchange rate, and secure, trackable transfers. Plus, you can receive dedicated support and volume discounts when sending large amounts.

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Does AIB apply transfer limits from Ireland?

Yes. There’s a specific AIB transfer limit² for payments made digitally, which may depend on whether you have a personal or business account. There’s also a cumulative AIB daily transfer limit which covers most transfer types, as well as sublimits which are set for security on specific payment types.

There’s no way to make an AIB increase limit online, but you may find that the AIB in branch transfer limit is higher if you need to send more than the digital payment cap. This guide walks through all you need to know.

Read also: AIB large transfer

What are the AIB transfer limits?

The AIB bank transfer limit may depend on the way you arrange your payment. The AIB online banking transfer limit applies on individual and cumulative payment amounts, although you may be able to access a higher AIB maximum transfer limit by going into a branch to set up your payment that way instead.

Here’s a summary of the most important AIB money transfer limits on different payment types:

Service	Limits	Notes
Overall cumulative daily limit	Personal and Kiosk only users: 1,050,000 EUR	For payments using AIB Kiosk, AIB Phone and AIB Internet Banking
New payee using the AIB Mobile App	1,000 EUR	For personal customers using Zippay on the AIB mobile app
New payee using the AIB Mobile App - Selfie Check User	10,000 EUR	For users who have set up facial recognition payments with AIB only
International Payments (non SEPA)	Personal users: 10,000 EUR Kiosk only users: 5,000 EUR	Transfers arranged on non-business days are counted towards the limit on the next business day
Payments within Ireland and SEPA zone	Personal users: 10,000 EUR Kiosk only users: 5,000 EUR	Transfers arranged on non-business days are counted towards the limit on the next business day

*Details correct at time of research - 13th July 2026

AIB new payee limit: how does it work?

There’s a limit on the amount you can send to a new payee using the AIB Mobile App, which is set as 1,000 EUR as a standard, and increased to 10,000 EUR if you’re an AIB Mobile App Selfie Check User.

If you’re not sure whether or not you can make your payment to a newly registered recipient, you can reach out to the bank directly on 0818 724 724 to check.

Looking for an alternative for large transfers? Get Wise

Wise Europe is not a bank, but an authorised Payment Institution.
But if you hit the AIB transfer limits or simply want to compare another option, check out the option of sending high amounts with Wise.

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.

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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

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How to increase the AIB transfer limits

You can’t change the limit for AIB digital transfers. However, if you need to send a higher value transfer, AIB might be able to help you in a branch or by phone instead.

It’s helpful to know that the AIB fees you pay might be higher if you’re making a transfer in a branch using a paper instruction, rather than setting your transfer up online or in the AIB app.³

When does AIB transfer limit reset?

AIB has transfer limits which apply per payment and per day. The specific time that limits reset isn’t detailed online, but you can check with your branch directly if you’re struggling to make a payment due to the limits applied.

It’s also helpful to know that any transfers you set up on a non banking day are added to the limit on your account on the next working day. This means that payments you arrange on a weekend, for example, are used towards your Monday limit.

In summary, AIB has a daily cumulative payment limit which applies on the total value of transfers you arrange using AIB Kiosk, AIB Phone and AIB Internet Banking. There are also some sublimits covering things like payments to new recipients, which can impact the amount you can send.

If you’re not sure about the limits which apply on your specific account, you can call the bank on 0818 724 724 to check.

Sources used:

Sources last checked on date: 21 July 2026

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.