No,its an AIB Visa card.Up to now I paid my Visa bills montly by direct debit. In order to qualify for AIB's free banking I have to pay at least one bill on-line,hence my sorry attempt to pay the ryanair billDo you mean that you've got a Ryanair Credit Card (operated by MBNA if I remember)?
If you've paid more than your bill states then you'll be in credit by 40 euro on the next bill