Allied Irish Bank PLC. SWIFT/BIC code

AIBKGB2X – the SWIFT/BIC code of Allied Irish Bank PLC.

The 8-character code AIBKGB2X and the 11-character code AIBKGB2XXXX identify one and the same institution: Allied Irish Bank PLC.. The code has a single purpose: it ensures that an international payment reaches the right bank. You will need it mainly for transfers between countries or a currency.

Below you will find the practical questions: money coming in from abroad, paying someone in another country and how to check the code before you hit send. The BIC names a bank or branch, not a specific account.

Before you send: check the Allied Irish Bank PLC. code

Have the recipient copy their account details straight from their online banking. If the code you have does not match AIBKGB2X or AIBKGB2XXXX, stop and ask.

With a wrong code, the transfer may get stuck, bounce back or cost extra. An error in the IBAN or account number is more serious because it can reach the wrong person; check it just as carefully.

A validity check in your banking app only tells you that the IBAN is valid. More and more banks check the name against the account before you confirm. A small test payment is a sensible step for a large first payment, even if it costs an extra fee.

What a transfer from Allied Irish Bank PLC. abroad really costs

When you send money to another country via Allied Irish Bank PLC., the visible fee is only part of what you pay. On top of the transfer fee, correspondent or intermediary banks may deduct a fee, and when currencies are converted the bank often uses a rate below the real market rate.

Many banks rarely list the margin on the rate separately. Check the rate you are offered with the mid-market rate. The difference is your real conversion cost.

For many routes, a specialist provider turns out to be cheaper than a traditional bank transfer – mostly thanks to the rate. Before your next transfer, it is worth to compare what arrives on GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not require leaving Allied Irish Bank PLC.: you simply pay the service from your account.

About this information

The codes here are taken from public sources that we update regularly. Banks reorganise, change names and change codes – a directory can be a step behind. Counts and locations come from our own dataset and are not confirmed by Allied Irish Bank PLC..

See the information on this page as a handy check and rely on the recipient or Allied Irish Bank PLC. for the final confirmation. GoldexPay is not affiliated with Allied Irish Bank PLC., we only compare transfer services. Should you notice a mistake, we appreciate a message.

The British Pound and what conversion costs you

The currency of United Kingdom is the British Pound (GBP). A payment in a foreign currency is exchanged into GBP. You rarely see a separate line for the conversion; it is built into the rate.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Sending the amount already in GBP often avoids an extra conversion by Allied Irish Bank PLC. – as long as your own rate is good.

The rate for GBP fluctuates throughout the day and quotes are often valid only for a short time. If you pay regularly, a slightly better rate add up over time.

What to give a sender who pays you at Allied Irish Bank PLC.

A sender in another country will ask for a few details about your account. That means: your full name exactly as it appears on the account, your IBAN or account number, the BIC AIBKGB2XXXX and sometimes your postal address.

It helps to add the bank name and its city too, since some forms ask for it. A typo in the IBAN is more trouble than you might think.

The amount you receive can be less than the amount sent. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate applies. Make clear with the sender who covers the fees, especially for larger amounts.

How long does an international transfer to Allied Irish Bank PLC. take?

How quickly a transfer reaches Allied Irish Bank PLC. depends on a few things: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Payments made after the cut-off time or on weekends and holidays usually go out the next business day. Occasionally a bank wants to know about the purpose of a payment, which can hold things up.

Many banks use SWIFT gpi. Each payment gets a unique reference, the UETR, which your bank can use to see where the money is. Money transfer services usually provide tracking in their app so you can see how far the payment has got.

A delayed transfer is traced from the sending side, using the payment confirmation. Request from the sender the payment receipt with the date and reference.

Scams that use SWIFT codes

Stay wary if someone unexpectedly asks you to send money to another account. A real SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Verify new payment details via a separate channel, never via the email that asked for the change. Watch out for urgent requests, unusual wording or an email address that differs by one letter. Already paid? Call the bank you paid from without delay and have them try to recall the payment.

Fraud also target the receiver. Someone sends too much and wants you to return the extra via a different route. A payment confirmation from the sender proves nothing.

Head office or branch code at Allied Irish Bank PLC.?

Our database contains 2 SWIFT/BIC codes for Allied Irish Bank PLC. in 1 cities. Besides the head office code AIBKGB2XXXX, you will find codes for individual branches and departments.

Unless the recipient tells you otherwise, use AIBKGB2XXXX. A branch code only makes sense when the recipient’s bank specifically asks for it.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Codes can change when banks reorganise, so do not rely on old paperwork.

Why Allied Irish Bank PLC. has an 8- and an 11-character code

Each SWIFT/BIC code has the same eight core characters: a four-letter bank code, a two-letter country code and a two-character location code. The result is AIBKGB2X for Allied Irish Bank PLC..

XXX at the end of AIBKGB2XXXX does not stand for a missing value or an error: it stands for the head office of Allied Irish Bank PLC.. Certain payment forms ask for 11 characters, in which case you can add XXX after AIBKGB2X.

In practice the code is written in capitals and without spaces. Copying the code beats typing it by hand: a typo can point to another bank.

SEPA payments and the Allied Irish Bank PLC. BIC

Because United Kingdom is in the SEPA zone, a euro transfer into Allied Irish Bank PLC. from within the SEPA area normally requires just the IBAN. Most banking apps no longer ask for the BIC for these payments.

You still need AIBKGB2XXXX when sending non-euro payments or transfers from countries outside SEPA. A few forms also show a field for the BIC; if so, fill in AIBKGB2X.

SEPA transfers normally land by the next business day; instant payments are faster if both banks offer them. Fees for SEPA transfers are generally low as long as everything stays in euros.