A guide to your
AIB Credit Card
statement
June 2014
This guide explains our
credit card statement.
Your statement clearly sets out all your transactions, how much you owe, how much interest is due and when you need
to make your payment.
We will send you a statement every month if you have any transactions on your account or if there is an outstanding balance.
You will not receive a statement if you do not have a balance on your account. This is in line with the “Terms and Conditions
of Use” of your AIB Credit Card.
Please note the sample credit card statement below is for illustrative purposes only and can be used as a reference for your
own personal statement.
1
The date your statement was produced
2
Name and address on our records
3
This is your credit card number
4
The date by which a payment must
be received by the bank
5
This is your credit card Limit
6
International Bank Account Number
(IBAN) is a unique identifier for your
account which, along with your BIC, is
required for international transactions,
particularly but not exclusively in Europe
7
8
9
AIB Credit Card
1
2
This shows the total value of transactions
since your previous statement
10 This
shows the total amount of Interest
due as of the statement date
11 This
shows the amount you have paid
since your previous statement
12 his shows the total amount due on your
T
account on the statement date
13 his shows the minimum payment
T
outstanding from your previous statement
14 his shows the minimum payment due
T
for this statement period (including any
amount where your balance is in excess
of your Credit Limit)
15 This
shows the minimum amount you
have to pay to keep your account in
order (sum of 13 and 14 )
16 17 18 19 his details the monthly interest rate
T
applicable to purchase transactions
AIB Bank
Card Issuing
PO Box 708
Sandyford, Dublin 18.
MR JOE BLOGGS
1 MAIN STREET
ANY TOWN
(01) 668 5500
Fax (01) 668 5901
for requests and information
or go to www.aib.ie
Page
1 of 2
Bank Identifier Code (BIC) is a unique
number that identifies your bank. It is
the code necessary (together with your
IBAN) to send and receive automated
international payments
This is the balance on your account
carried over from your previous statement
Account Statement – 4th April, 2014
4
3
Payment Due Date
29th April, 2014
5
7
6
IBAN: IE92 AIBK 9301 1399 9453 04 (BIC: AIBKIE2D)
Government Stamp Duty of 30 due 1st April annually and on date of closure
Previous Balance
8
9
10
100.00
100.00CR
11
Payments Received
12
New Balance
13
Previous Minimum Payment Overdue
14
Current Minimum Payment
15
Total Minimum Payment Due 29th April, 2014
288.16
160.98
8.64
Please pay arrears immediately
A
S
169.62
E
L
16
Monthly Rate:
17
Interest Charged:
P
M
2.21
Interest
Credit Limit: €2,000
Interest Charges on Purchases
285.95
Total Transactions for this period
Card Number
0000 0000 0000 0000
1.52%
€2.21
Interest Charges on Cash Advances
18
Monthly Rate:
19
Interest Charged:
1.64%
€0.00
Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland
20
No Interest will be charged on purchases if you always pay the full amount shown on your statement by the due date.
If the balance is not cleared in full, you will be charged interest on the full amount.
21
If you make only your minimum repayment each month you will not clear your current balance until 08/03/2016.
22
You should advise your lender if you will be making transactions outside your normal spending pattern, as unusual transactions may be declined.
23 Annual Fee:
None
Summary Box
24 Government Stamp Duty:
Government Stamp Duty of € 30 is charged annually per credit card account.
25 Representative APR**:
24.5%
26 Cash Advance Fee:
1.5% of transaction value (minimum €1.90)
27 Currency Conversion Fee:
Currency Conversion Fees for non euro transactions (may differ per product)
28 Copy Statement Fee:
€4.00 per copy
29 Copy Sales Voucher Fee:
€5.00 per copy per transaction
his details the amount of purchase
T
interest charged in this period
30 Late Payment Fee:
€7.00 applied to account when minimum payment not received by payment due date
31 Returned Payment Fee:
his details the monthly interest rate
T
applicable to cash advance transactions
€7.00 applied to account on each occasion a cheque and/or Direct Debit has been presented for
payment and returned by your bank
32 Over Limit Fee:
€7.00 applied to account the first time the balance exceeds assigned credit limit in statement period
33 Posting Date:
The date on which a transaction is applied to your credit card account
34 Payment Due Date:
The monthly date when your minimum payment is due to be paid on your credit card account
his details the amount of cash advance
T
interest charged in this period
20 This
describes how purchase interest will
be charged on your account
**The APR is based on a credit card limit of €1,500 and includes Government Stamp Duty and Annual Fee (where applicable). This is the highest
interest rate applicable to purchases and does not incorporate the introductory interest rate for the first 12 months.
Our new Statements are more detailed and this Guide explains our new look Credit Card Statement.
21 his is the date by which you will clear
T
your current statement balance if you
only make the minimum payment 15
22 his notice reminds you to advise
T
us when you may have unusual
transactions (eg. Travelling abroad)
23 his details the annual fee that applies
T
to your account
24 his details the annual charge for
T
Government Stamp Duty
25 he Representative Annual Percentage
T
Rate (APR) is provided to help you to
compare different credit card products
26 his details the fee that will be
T
charged if you use your credit card
to withdraw cash
27 his details the fees that are applied
T
to your account if you carry out a
non Euro transaction
28 29 30 AIB Credit Card
Account Statement – 4th April, 2014
his details the fee that is applied to
T
your account if you request a copy of
a statement
AIB Bank
Card Issuing
PO Box 708
Sandyford, Dublin 18.
his details the fee that will be charged
T
to your account should you request
a copy receipt of a transaction on
your account
(01) 668 5500
Fax (01) 668 5901
for requests and information
or go to www.aib.ie
his details the fee that is applied to
T
your account if a payment has not
reached your account by the date you
are required to make it 4
Page
2 of 2
32 This details the fee that is applied
to your account, the first time your
balance exceeds your credit card limit
in each statement period
33 This
is the date on which a transaction is
applied to your account. This date may
differ from the date the transaction was
carried out
34 35
36
Posting
Date
Details and
Reference Number
2 Apr
4 Apr
TEST PURCHASE
WEXFORD IR
Ref: 0000000000000000000000000
50.00
4 Apr
4 Apr
TEST PURCHASE
GALWAY
IR
Ref: 0000000000000000000000000
50.00
4 Apr
4 Apr
PAYMENT THANK YOU
Ref: 0000000000000000000000000
4 Apr
4 Apr
INTEREST ON PURCHASES
35 These
are the dates any transactions are
carried out
36 These
are the dates any transactions
are applied to your account. These
dates may differ from the dates the
transactions were carried out
37 This
38 This
shows the Euro value of
the transaction
39 This
column shows important news
and information about your account
40 This
is your Bank Giro for making
payments to your credit card account
Note: For some products there will be
additional information provided on the
final page of your statement
37
Credit Limit: €2,000
Transaction
Date
he date by which a payment must be
T
received by the bank
details any transactions carried out
in the period
E
L
Payment Due Date
29th April, 2014
31 This
details the fee that is applied to
your account on each occasion a cheque
and/or direct debit is presented for
payment and returned by your bank
Card Number
0000 0000 0000 0000
38
Amount
€
P
M
A
S
100.00CR
2.21
39
Would you prefer to manage
your account online? Log into
AIB Internet Banking and click
on statements to see how
eStatements can help you.
40
Cashier’s Brand
Account Details
Bank Giro Credit Transfer
MR Joe Bloggs
0000 0000 0000 0000
Cash
Cheques
€
euro euro euro
Code Number
93-00-00
Bank and Branch
AIB Bank
Card Issuing
Sandyford, Dublin 18.
Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.
AIB400C00010STAT 06/14