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AIB overdraft query

  • 10-05-2012 7:12pm
    #1
    awec
    Administrators Posts: 54,424 Admin ✭✭✭✭✭


    Hi guys,

    AIB have given me an overdraft. They said it would appear yesterday or today. I logged into my online banking and can't see any mention of it / nothing obvious to indicate it's there.

    Does anyone have one and know how I can check through online banking if it's on the account yet?

    Cheers!


Comments

  • #2
    Random
    Closed Accounts Posts: 19,080 ✭✭✭✭Random


    from personal experience - theres no way to check via online banking. call up telephone banking and they can tell you.


  • #3
    pjmn
    Registered Users, Registered Users 2 Posts: 1,072 ✭✭✭pjmn


    A way to check online is to opt to make a transfer (you won't have to actually make it) - you should be told how much you have available to transfer - if that amount is exactly the same as your balance then there is no overdraft in place - if however it says you have say E1k more then your actual balance available to transfer - then you have a E1k overdraft.... (works on BOI interest banking - so I'm assuming AIB's is similar)...


  • #4
    Random
    Closed Accounts Posts: 19,080 ✭✭✭✭Random


    it doesnt work like that with aib pjmn


  • #5
    DarkJager
    Closed Accounts Posts: 7,960 ✭✭✭DarkJager


    When they activated mine it was ready to use after 9pm the same day they approved it. If your balance is zero at the moment, best way to check is trying to withdraw cash from an ATM. Or ring their helpline? I think they are open until 9pm


  • #6
    lotsofthegreen
    Registered Users, Registered Users 2 Posts: 483 ✭✭lotsofthegreen


    The facility fee of 25euro approx should be visible when the overdraft has been applied


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  • #7
    awec
    Administrators Posts: 54,424 Admin ✭✭✭✭✭awec


    DarkJager wrote: »
    When they activated mine it was ready to use after 9pm the same day they approved it. If your balance is zero at the moment, best way to check is trying to withdraw cash from an ATM. Or ring their helpline? I think they are open until 9pm

    Nah my balance isn't zero so can't check that way unfortunately.
    lotsofthegreen wrote: »
    The facility fee of 25euro approx should be visible when the overdraft has been applied

    Graduate bank account, so no fee.


    Other banks online systems clearly show Balance and Available Balance as seperate, it's a pity AIB don't do the same. :(


  • #8
    Random
    Closed Accounts Posts: 19,080 ✭✭✭✭Random


    lotsofthegreen wrote: »
    The facility fee of 25euro approx should be visible when the overdraft has been applied
    this was not the case for me. this didnt show for some time.


  • #9
    ScouseMouse
    Closed Accounts Posts: 5,070 ✭✭✭ScouseMouse


    There was no sign of mine when it was applied. I had to ring 24 hour banking to confirm it was there - and it was!


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