International Debit Card FAQ's

Your most frequently asked questions about the AIB Jersey & Isle of Man International Debit Card answered below.

Questions

• How do I report my card as lost or stolen?
  
• Where can I use my card?
  
• In what currencies are cards available?
• How do I qualify to apply for an International Debit Card?
  
• How do I qualify to apply for a Gold International Debit Card?
• Who can apply for a card on my account?
  
• How do I activate my card?
  
• Are there any spending limits on my card?
  
• Can I increase my spending limits?
  
• How much will I be charged?
  
• Can I change my PIN number to one of my choice?
  
• If I apply for a card in more than one currency, will I receive a separate PIN for each card?
  
• I have forgotten my PIN, can you tell me it?
  
• What will happen if my account balance falls below the minimum balance?___________________________________________________________________

Answers

How do I report my card as lost or stolen?

Please call the International Debit Card Helpline on the details below. A replacement card will be sent to you as soon as possible. Please help to protect yourself against fraud by being continually vigilant.

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Where can I use my card?
Your International Debit Card may be used in over 26 million Visa acceptance locations around the world. You can use it to pay for goods and services and to withdraw cash where you see the VISA symbol.

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In what currencies are cards available?
Cards may be issued in sterling, euro or US dollars. You will need to hold an account in the specific currency of the card you are applying for.

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How do I qualify to apply for an International Debit Card?
To apply for a card you have two options, either your salary or regular credit needs to be mandated to your account on a monthly basis or the balance of your account must be at least GBP 5,000, EUR 7,500 or USD 10,000. Once the card is active you must keep a minimum balance on your account of GBP 500, EUR 500 or USD 500.

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How do I qualify to apply for a Gold International Debit Card?
To enjoy the benefits of the Gold International Debit Card you will need to maintain a minimum balance on your account of GBP 50,000, EUR 75,000 or USD 100,000.

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Who can apply for a card on my account?
Authorised card users are not permitted on your account. If you have a sole account and you would like your husband, wife, partner or other party to have a card you will need to open an account in joint names with either party able to sign instructions on their own.

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How do I activate my card?
To start using your card it must first be 'activated'. Your card and PIN will be sent to you separately. When you have received both, please call us on the number below. We will take you through a short security procedure and ask you for the password you provided on your IDC application form. We will then activate your card. It is important not to divulge your password to anyone except the Bank.

Your card can be 'activated' by calling the International Debit Card Helpline:

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Are there any spending limits on my card?
Yes. The current limits are detailed in our User Guide which is available to download through the link on the right of this page. These details are also available on request. Please contact us for details.

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Can I increase my spending limits?
Our limits are pre-set to ensure that you have sufficient flexibility in your spending and also taking account of the need to protect you from fraud. Limits may be increased on a temporary basis subject to approval by the Bank. To arrange a limit increase, please call us before you require it.

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How much will I be charged?
There is no application fee and we endeavour to keep other charges as low as possible. There is an annual fee* for the International Debit Card. The annual fee does not apply to the Gold International Debit Card. A nominal charge* will apply to each withdrawal made from automatic cash dispensers outside of UK, Channel Islands & Isle of Man. This charge will be debited from your account at the same time as the withdrawal is debited. Where a foreign exchange conversion is required, the exchange rate will be the wholesale rate of exchange applied by VISA. In addition to this, there is a percentage charge made by VISA and the Bank to cover costs. Your bank statement will show the total amount debited after the foreign exchange and percentage charge has been applied. If the minimum balance has not been maintained your card will be blocked and a charge will be applied.
*Please see our Fees & Charges using the link at the foot of this page.

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Can I change my PIN number to one of my choice?
Yes, by using the PIN Management Service (PMS) at any ATM machine in the British Isles and Europe which displays the VISA EMV logo, you can change the PIN to one of your choice.

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If I apply for a card in more than one currency, will I receive a separate PIN for each card?
Yes, you will receive a separate PIN for each card. You can use the PIN Management Service at any ATM in the British Isles or Europe which displays the VISA logo to change the PIN to one of your choice.

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I have forgotten my PIN, can you tell me it?
No. You are the only person who knows your PIN number. If you have forgotten it a reminder can be requested and generated by our system. Once ordered it normally takes 3 days for the PIN to be posted to your correspondence address. Once you have received your PIN, memorise it, DO NOT write it down or divulge it to anyone else. The Bank will NEVER ask you for your PIN.

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What will happen if my account balance falls below the minimum balance?
The minimum balance required to be held on your account is:

• International Debit Card - GBP 500, EUR 500 or USD 500
• Gold International Debit Card - GBP 50,000, EUR 75,000 or USD 100,000

If the minimum balance has not been maintained your card will be blocked and a charge will be applied.

Security reminder; Please keep your card safe, memorise the PIN and keep it secret. Never keep your PIN with your card.

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