AIB launches first digital investment advice tool for mobile app users

/ 21st July 2025 /

AIB has launched its first fully digital investment advice tool for customer through the AIB life hub on its mobile app.

The new service allows customers to access investment guidance and products that are suitable for their needs and risk appetite in a convenient manner.

The launch comes after AIB found that three quarters of adults in Ireland are mostly managing finances through their mobile banking app, particularly those aged 25 to 44.

One in five adults are saving more than €125 per month, and just one in ten are saving over €500m per month.

Just under two-thirds of adults have never invested, citing concern about a lack of knowledge as one of the main barriers.

Two-thirds also said that just saving and not investing could be a missed opportunity to grow their money.

Among those who have never invested, four in ten said a step-by-step guide in their banking app would help them to feel more confident and the same share said the ability to invest a small amount of money every month instead of a lump sum would attract them to start investing.

For those considering a medium to long term financial goal, the main motivations for saving include building a financial safety net; renovating their home; supporting their children and saving for a holiday of a lifetime.

With AIB's new digital investment tool, customers can assess their risk appetite, sustainability preferences and long-term savings goals.

They have the option to open a regular investment from the AIB app as well as the option to start, stop and pause the process at any time.

The advice offered through the AIB life hub will remain relevant for 30 days and is designed for customers who want to invest between €125 and €2,500 per month.

“It’s a key priority for AIB to support all of our customers to feel more confident about managing their financial health, in whatever way suits them best, whether that’s through our new end-to-end digital service in the AIB life hub on the AIB app or face-to-face with our financial advisors in our branches," said Ciara Ryan, head of wealth and insurance at AIB.

"It’s interesting to see from the research that for those people who have never invested, one of the main barriers is a lack of knowledge.

"This is why it’s important for AIB to embed comprehensive advice and guidance into this new digital investment option.

"We are committed to supporting customers to feel more confident about their understanding of the options available to them, so that they can make the right choices to secure their financial future.

"If you are saving for something that is five years away, or more, such as your children’s education or home improvements, then investment is a good option to consider as it can deliver higher returns than saving.

"AIB provides the expert advice, digital tools, and personalised support to help customers feel more organised and in control of their financial future and with 2.2m digital customers, this new service will provide meaningful support.”