Objective Comparison
AIB vs Bank of Ireland vs Permanent TSB
Researched from 7 sites
- AIB
-
Bank of Ireland
Photo: bankofireland.com
- Permanent TSB
The Verdict
AIB and Bank of Ireland offer similar costs and broad reach, while Permanent TSB is a distinct choice for those prioritizing cashback incentives. Your best option depends on whether you value branch access or earning rewards to offset monthly banking costs.
Detailed Attribute Comparison
| Attribute | AIB | Bank of Ireland | Permanent TSB |
|---|---|---|---|
| Monthly Maintenance Fee determines the direct recurring cost of maintaining the account in Ireland |
€6.00 | €6.00 | €8.00 |
| Key Fee Waivers & Rewards affects your ability to reduce or offset monthly service fees |
Mortgage/Age/Student exemption | Basic/Student/Age exemption | Transaction/Mortgage cashback |
| Branch Count indicates physical access to face-to-face services across the country |
Over 170 | Approximately 169 | Roughly 98 |
| Known issues highlights recurring frustrations documented by existing customers |
App crashes and long phone support wait times reported on Trustpilot and Reddit | Legacy system concerns and mortgage processing delays reported on Reddit | Significant app bugs and issues with international payments reported on Trustpilot |
| Mortgage Integration impacts the financial synergy between your primary bank and home loan |
Mortgage-linked fee waiver available | Standard mortgage products available | 2% cashback on monthly mortgage repayments |
| App Primary Feedback reflects daily ease of use for mobile banking tasks |
Mixed stability; stability updates requested | Perceived as outdated/legacy system | Significant reliability/bug concerns |
| Basic Account Availability matters if you require essential, low-cost banking functionality |
Available | Available with 12-month waiver | Not explicitly detailed as specific product |
| Customer Support Feedback crucial for resolving urgent administrative or account issues |
Long phone wait times | Frequently long wait times | Reports of diabolical service and long holds |
| Admin/Login Complexity affects the friction involved in accessing your funds online |
Reported complex login requirements | Standard legacy systems | Issues with specific payment types |
| General Accessibility important for proximity and convenience for in-person banking needs |
Extensive nationwide reach | Extensive nationwide reach | Moderate nationwide reach |
Sources
7 sites were read by a live web search while this comparison was written.
- aib.ie
- personalbanking.bankofireland.com
- ptsb.ie
- reddit.com
- trustpilot.com
- ca.trustpilot.com
- revolut.com
Searches run:
- “Permanent TSB current account fees features branches mortgage reputation”
- “AIB current account fees features branches mortgage reputation”
- “Bank of Ireland current account fees features branches mortgage reputation”
- “Reddit Ireland banking experiences AIB Bank of Ireland PTSB”
- “Trustpilot AIB Bank of Ireland Permanent TSB reviews”
- “AIB customer reviews Trustpilot Reddit Ireland”
- “AIB Ireland app and branch network”
- “AIB Ireland current account fees and charges”
- “AIB vs Bank of Ireland vs Permanent TSB current account comparison Ireland”
- “AIB Ireland mortgage reputation”
- “Bank of Ireland branch network Ireland”
- “Bank of Ireland current account fees Ireland official site”
- “Bank of Ireland current account features app”
- “Bank of Ireland customer reviews Trustpilot Reddit Ireland”
- “Bank of Ireland mortgage reputation Ireland”