Online Services daily payment cut-off times
The following table lists all available payment types available via Online Services and outlines cut-off times, when your account will be debited and the receiver account/biller will be credited.
| Payment type | When can I make this payment | When is my account debited | Payment delivery timeframes |
| Transferring money to another AIB (NI) account | Anytime* | Immediately | Immediately |
| Transferring money to another UK Bank or Building Society | Anytime* | Immediately | Beneficiary bank will usually be credited within two hours, but no later than the next banking day. |
| Making a Bill Payment | Anytime* | Immediately | Beneficiary bank will usually be credited within two hours, but no later than the next banking day. |
| Making a Bill Payment to a First Trust Visa / Mastercard | Anytime* | Immediately | Payment value will be applied in sterling to reduce the balance on your Account for the banking day the funds are received. If funds are received after 6pm or on a non-banking day, value will be given for the next banking day. Please note: as the balance and transactions of your credit card are shown up to the close of business on the previous banking day, you will not see this payment on your credit card account until the next banking day. |
| Forward dated Bill Payments | Anytime* | After 4:30pm on the date selected | Beneficiary bank will usually be credited within two hours, but no later than the next banking day. |
| Setting up or amending a Regular Payment | Anytime*(but no later than 8:00pm the day before the payment is due) | 4am on the due date | Beneficiary bank will be credited no later than the next banking day. |
* Online Services may be unavailable between 3:00am and 7:00am due to essential maintenance.
Other transaction cut-off times
| Transaction type | When can I complete this transaction |
| Direct Debit cancellation | Anytime* (but no later than 7:00pm the day before the payment is due) |
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