Question 1

What is loan-to-value (LTV) ratio?

Accepted Answer

LTV ratio compares your loan amount to the property's appraised value, expressed as a percentage. For example, a $200,000 loan on a $250,000 home is 80% LTV. Lower LTV means more equity and less risk for lenders, often resulting in better interest rates and no mortgage insurance requirement. LTV above 80% typically requires PMI.

Question 2

How long do I have to dispute a transaction?

Accepted Answer

For credit cards, you typically have 60 days from statement date. For debit cards, report unauthorized transactions within 2 days for $50 liability, within 60 days for $500 liability, or unlimited liability after 60 days.

Question 3

How do I identify fraudulent transactions?

Accepted Answer

Review statements regularly for unfamiliar merchants, duplicate charges, small test transactions, unexpected foreign charges, or amounts that don't match your records. Report suspicious activity to your bank immediately.

Question 4

Can automatic payments overdraw my account?

Accepted Answer

Yes, automatic payments will process even with insufficient funds, causing overdraft fees. Monitor your balance, set up low-balance alerts, maintain a buffer, or link overdraft protection to avoid fees.

Convert Allied Irish Banks (AIB) Statementsto Excel, CSV & JSON

Why Choose Us?

How to Convert Allied Irish Banks (AIB) Statements

Upload Statement

AI Processing

Download Results

Why Use Our Allied Irish Banks (AIB) Converter?

Protected Conversion

Flawless Conversion

Quick Turnaround

Used Worldwide

Frequently Asked Questions

What is loan-to-value (LTV) ratio?

How long do I have to dispute a transaction?

How do I identify fraudulent transactions?

Can automatic payments overdraw my account?

Ready to Convert Your Allied Irish Banks (AIB) Statements?