Personal Current
Accounts
Accounts Guide
Only available in NI
This guide explains the features of our current accounts and how each of these
accounts work. You should read this guide with the terms and conditions of the
account (which you will be given when you open your account or if any changes are
made at a later date) and keep it in a safe place in case you need to refer to it in the
future. If this guide and the terms and conditions of your account contradict each
other, the terms and conditions will take priority.
If you would like us to explain any issues relating to your current account, please
contact any of our branches.
Contents Page
A About our current accounts 4
1 AIB (NI) current accounts 4
2 Who can have a current account? 4
3 What form of identification do I need to provide to open an account? 5
4 How does a current account work? 6
5 Joint accounts 6
6 Alerts 6
B Online Services 6
1 Online Banking 6
2 Phoneline Banking 7
3 Clearing funds transferred through Online services 7
4 Helpline 7
C Lodgements and withdrawals 7
1 Lodgements 7
2 Withdrawals 8
3 Post Office
®
services 8
D Cheques 8
1 Writing a cheque 8
2 Out-of-date cheques 9
3 Cancelling a cheque 9
4 Unpaid cheques 9
5 Disputing a cheque paid from your account 10
6 Clearing cheques 10
E Cards 12
1 Visa debit card 12
2 Personal identification numbers (PINs) 14
3 Replacement Visa debit cards 14
4 Recurring payment transactions on a Visa debit card 14
5 Withdrawing money and buying items using your Visa debit card 14
6 Verified by Visa 15
F Standing orders and direct debits 15
1 Standing orders 15
2 Clearance of automated payments 15
3 Direct debits 16
4 Direct Debit Guarantee 16
G Statements and pre-notification 17
H Overdrafts 17
1 What is an overdraft? 17
2 How much can I borrow? 17
3 Guarantees 18
4 How much will it cost? 18
5 Repaying an overdraft 18
6 Unarranged overdrafts 18
7 Monthly cap on unarranged overdraft charges 19
8 Credit scoring and behavioural scoring 19
I Interest and fees 19
1 Credit interest – interest we pay you 19
2 How we work out credit interest 19
3 Debit interest – interest we charge you 20
4 How we work out debit interest 20
5 Fees 20
J Helping you 20
1 Safety and security 20
2 Cooling-off period 21
3 Making a complaint - our customers of AIB (NI) 21
4 Financial difficulties 22
5 Financial Services Compensation Scheme (FSCS) 22
6 Help us to help you 22
K Closing or switching your account 23
1 Closing your account 23
2 Switching your account 23
L Other information 23
1 Changes to terms and conditions 23
2 Data Protection Notice 23
3 What Happens To Your Account If You Die 27
4 General 27
Page
A About our current accounts
1 AIB (NI) current accounts
We have the following types of account.
• Junior Saver Account
• Student Account
• Student+ Account
• Graduate Account
• Classic Account
The Junior Saver Account is for children
up to 11 years old. This account pays
interest, every quarter, on the cleared
credit balance in the child’s account.
The Junior Saver Account and Student
Account do not provide overdrafts,
chequebooks, direct debits or standing
orders.
The Student Account is for young people
aged 12 to 18, and also pays interest
every quarter, on the cleared balance
in the account. If you hold a Student
Account, you will be able to apply for
a Visa debit card, but parental consent
is required for 12 to 16 year olds. As a
Junior Saver or Student Account holder
you will not pay any commission charges
on foreign currency notes transactions
completed at any of our branches.
The Student+ Account is available to
full-time higher-education students
and student nurses. We will only
issue chequebooks and Visa debit
cards depending on your financial
circumstances. These accounts are not
available as a joint account. There are
no unarranged overdraft charges with
the Student+ Account and certain other
support service fees do not apply.
With the Student+ Account, you can
apply for an interest-free overdraft of up
to £1,850 (depending on your financial
circumstances). You can also take
advantage of commission-free foreign
currency notes transactions completed
at any of our branches and a Visa debit
card which you can use to make a cash
withdrawal in pounds in the UK or a cash
withdrawal in foreign currency outside
the UK.
Our Graduate Account is available to all
students who have graduated within the
last two years. The account has similar
facilities as the standard current account.
These accounts are not available as a
joint account. There are no service or
monthly fees with the Graduate Account
and certain other support service fees do
not apply.
The Graduate Account facilities are
available for three years. These include
interest-free overdrafts of up to
£1,000 (depending on your financial
circumstances), commission-free foreign
currency notes transactions, or lodging
foreign currency cheques at any of our
branches, and access to our Online
services.
The standard Classic Account gives you
quick, convenient and easy access to
your money by providing you with a
chequebook or a Visa debit card. You can
use the card to make a cash withdrawal
in pounds in the UK or a cash withdrawal
in foreign currency outside the UK. If you
have an arranged overdraft limit with us,
you will get an interest-free portion (up
to the first £200) on which no interest
will be charged. You will also enjoy free
banking if your account is in credit. The
Classic Account does not pay credit
interest.
2 Who can have a current account?
You can have a current account if you are
18 or over depending on your financial
circumstances. So if you want a flexible
and safe way to look after your money,
our current account could be just what
you’re looking for.
4
Junior Saver Accounts are only available
to children up to 11 years old. Student
Accounts are only available to 12 to 18
year olds.
Student+ Accounts are only available to
full-time university students and student
nurses. Graduate Accounts are available
to people who have completed university
degree programmes within two years of
applying for the Graduate Account and
are able to hold this product for three
years.
3 What form of identification do I need
to provide to open an account?
When opening an account for you, the
bank will need evidence of your identity
and permanent address.
You can provide any of the following
documents to confirm your identity.
For Junior Saver Accounts, both the
parent and the child will need to provide
identification and confirmation of their
address. Other forms of identification may
be allowed for the child if there is nothing
suitable from the List A below. Please
speak to a member of staff who will be
able to advise you.
List A
• Current signed UK passport
• Current signed Irish passport
• Current UK or EEA full driving licence
or a blue disabled driver’s pass
• EEA Member State identity card
• Electoral identity card
• Current firearms or shotgun certificate
issued by a UK police force
• HM Revenue & Customs tax notices
• Photo registration card (if you are self-
employed in the construction industry)
• Government employee ID card
(police, armed services, HM Revenue
& Customs, civil servants), with a
photograph and signature
• Benefit book or original letter from the
relevant benefits agency confirming
that you are entitled to benefits or
State Pension (or both)
You can provide any of the following
documents to confirm your address.
List B
• Current UK photocard full driving
licence
• Voters roll search
• Recent utility bill (for example,
electricity or phone), utility statement
or certificate from the utilities supplier
confirming the arrangement to pay
for the services on prepayment terms
(for example if you pay for electricity
or gas by meter)
• Current Rates Collection Agency bill
• Letter from HM Revenue & Customs
• Original bank or building society
statement, mortgage statement or
credit card statement
• Benefit book or original letter
from the relevant benefits agency
confirming that you are entitled to
benefits or State Pension (or both)
• Rent book or tenancy agreement
issued by a reputable landlord
• Motor insurance certificate or
schedule
• Home insurance certificate or
schedule
• Vehicle registration document
• Original solicitor’s letter confirming
you have recently bought a house or
registered your details with the Land
Registry
If you are not able to provide any of these
documents, please speak to the member
of staff opening your account and we
will be happy to discuss other forms of
identification we can accept.
5
4 How does a current account work?
When you open a Classic or Graduate
current account, we will order you a
chequebook containing 30 cheques
(whether we order a chequebook for
you will depend on your circumstances).
You can use these to pay for goods and
services or to withdraw cash from any of
our branches. The amount you write each
cheque for will then be charged to the
balance of your account and shown on
your statement.
We will issue replacement chequebooks
automatically. If you need a replacement
chequebook before we issue it, you
should fill in the order form in your old
chequebook and take it or send it to your
branch at least 10 working days before
you need the replacement chequebook.
You can also arrange to pay regular
bills from your account by using either
a standing order or direct debit (except
if you have a Junior Saver Account or
Student Account). See section F for more
information.
You can also apply for a Visa debit card,
which you can use to withdraw cash (up
to a certain daily limit) from any cash
machine at any time of the day. If you
have a Visa debit card, you can use it to
pay for goods or services at shops and
other outlets that accept Visa Debit.
5 Joint accounts
You can open a Classic current account in
the names of more than one person (for
example, you and your husband or wife). In
this case, you will both be individually and
jointly responsible for keeping to the terms
and conditions of the account and for paying
back any money either of you owe. If you
separate or divorce, you will both continue
to be individually and jointly responsible for
any money you owe. If one of you dies, the
other will be responsible for paying back any
money either of you owe us.
When opening a joint account, you will sign
a mandate (instruction) telling us how to
authorise any withdrawals on the account
(in other words, whether only one of you
needs to give their signature or both of
you). Unless the mandate says otherwise,
in most cases any one of you can withdraw
the whole balance of the account without
the permission of the others. With a joint
account, each of you is entitled to receive
a bank statement, free of charge. You can
arrange this with us. For other conditions
relating to joint accounts, see section L,
subsection 3.
6 Alerts
An Account Alert is a text message
notification we’ll send you to help you
manage your Current Account. An Arranged
Overdraft Alert is a text message notification
we’ll send you to help you manage your
Arranged Overdraft on your Personal Current
Account. All customers with a personal
current account will automatically receive an
Account Alert. All customers with a personal
current account will automatically receive
an Account Alert and all customers with
an Arranged Overdraft on their Personal
Current Account will automatically receive an
Arranged Overdraft Alert providing we have
your up-to-date mobile telephone number.
A Balance Alert is a text message notification
we’ll send you when your account has
reached or dropped below an amount that
you set.
You can log into Online Banking to set your
Balance Alert.
B Online Services
1 Online Banking
This is our internet banking service, which
allows you to:
• check your account balance;
• check your statements;
• view pending transactions made using
your debit card;
6
• find out whether a particular cheque
you have written has been paid;
• transfer funds between accounts;
• pay bills; and
• register for eStatements.
We will give you your own registration
number and personal access code (PAC),
which you must enter every time you use the
Online Banking service. You can register for
Online and Phoneline Banking by phoning
our helpline on 028 9034 6034 or at any
of our branches. Further information and a
demo is available by visiting our website at
aibni.co.uk.
When can I use the Online services?
You can begin using our Online services
as soon as you receive your registration
number and personal access code (PAC). The
first time you use the service, you will need
authorisation from us.
Simply call 028 9034 6034 with your
registration number and PAC and they will
ask you to confirm some personal details
before giving you access to Online and
Phoneline Banking.
Once you have authorisation, you can use
the Online and Phoneline Banking services
from 7am to 3am GMT, seven days a week.
How do I use the Online Banking service?
• Enter aibni.co.uk/onlinebanking in your
browser
• Type in your registration number and
the personal access code digits you are
asked to enter.
• Follow the simple instructions to view
your bank account.
2 Phoneline Banking
You can also access your account details
using our telephone banking service.
By registering for the Online Banking service,
you will automatically be registered for our
Phoneline Banking service.
How do I use the Phoneline Banking service?
• You need a touch-tone phone to use
this service.
• Dial 0345 793 0000
†
. (Your call will be
charged at the local rate.)
• Using the keys on your phone, type
in your registration number and the
personal access code (PAC) digits you
are asked to enter.
• You will automatically be given the
latest balance on your account.
• To make an enquiry about your last
five transactions, select menu code 1
and service code 2 when asked.
• When you have finished, type in 9 to
end the call.
3 Clearing funds transferred through
Online services
You can use our Online services to transfer
funds between accounts which have been
registered for this service. If you transfer
funds between your accounts with us,
they will be available immediately for
withdrawal and will start to earn interest
(if this applies) the following banking day.
If the funds are being transferred to an
account with another bank, the funds will
normally be available no later than the next
banking day.
4 Helpline
If you have any problems using Online
services, or any questions about the
services, you can contact our helpline on
028 9034 6034
†
from 8.30am to 5pm,
Monday to Friday. We’ll be happy to help.
†
Calls may be recorded. Call charges may
vary - refer to your service provider.
C Lodgements and withdrawals
1 Lodgements
You can use your Visa debit card to lodge
money at any of our branches or at most
UK Post Offices
®
. You can also arrange
for your employer to pay your salary or
wages direct to your account.
7
2 Withdrawals
You can withdraw funds from your current
account in any of the following ways.
• By cheque.
• By handing a withdrawal slip or
your Visa debit card to the cashier
at any of our branches. If the cashier
does not know you personally, you
will need to provide some form of
identification.
If you are withdrawing local currency
from a cash machine abroad (including
the Republic of Ireland), certain fees will
apply. For more details, see our price list
for personal customers. All withdrawals
depend on whether the amount you are
trying to withdraw has cleared – see
section D, subsection 6.
Limits apply to the amounts of cash that
can be withdrawn at an AIB (NI) branch.
See aibni.co.uk/branches for more
information on these limits or ask for
more details at your local branch.
3 Post Office® services
You can use your Visa Debit Card to make
‘real time’ transactions at the Post Office
®
You can use your Card to lodge cash to
your account at the Post Office®. Limits on
the amounts of cash that you can lodge -will
apply – please see aibni.co.uk/postoffice for
more information on these limits or ask for
more details at your local branch.
All notes must be sorted by denomination
and coins must be in full bags before
presentation. Cash paid in at the Post
Office® using your Card will be credited to
your Account on the same Banking Day.
You can also withdraw up to £500 and
check your account balance at the Post
Office using your Debit card.
You can use a pre-printed lodgement
docket and an AIB (NI) Post Office
®
envelope to lodge cheques through the
Post Office
®
(Cut off times vary by outlet).
The clearing cycle for cheques begins
when amended cheques are credited to
your account, usually the next banking day.
D Cheques
1 Writing a cheque
The diagram below shows how to write
a cheque.
Bank
Stg
93-80-92
Patrick Ryan
account payee only
Laura Mills
10-00
1/1/03
L MILLS
Ten Pounds only
Payee
Amount
in words
Cheque Number Sort Code Account Number
Signature
Amount in
numbers
Date
Crossing
Important
• Never write or sign a cheque until
you are about to issue it.
• You must not write a cheque with
a future date on it as it may not
prevent the payee from paying it into
their bank before that date. We may
allow the cheque to be lodged.
• Always make sure that the amount in
words and the figures in the box on
the right-hand side are the same.
• Always write the date on a cheque.
You should also cross it as shown in
the diagram (or by using one of the
crossings listed below).
• Always put a line through blank spaces
on a cheque and keep figures and
words close to each other to make
sure that nothing can be added later.
• If, when writing a cheque, you act
without reasonable care and this
causes you or us to suffer a loss (for
example, if you do not write the
numbers clearly and we pay out
£260 instead of £200), you may be
responsible for this.
8
The purpose of crossing a cheque is
to make it a safer way of transferring
money from one person to another and
to protect the person who writes it. If
your cheque does not have a pre-printed
crossing, you can cross the cheque by
drawing two diagonal lines (as shown in
the diagram) across it and writing in one
of the following.
• ‘& company’
• ‘& Co’
• ‘Not negotiable’
• ‘Not negotiable & co’
• ‘Account payee’ or ‘A/c payee’ (with
or without the word ‘only’)
Cheques which have any of the first
four written can be transferred by
endorsement (that is, signed on the
back by the person who is being paid).
Cheques which have ‘Account Payee’ or
‘A/c payee’ (with or without the word
‘only’) written on them cannot be cashed
and must be paid into the account of the
person the cheque is made payable to.
If you send a cheque through the post,
it will help to prevent fraud if you clearly
write the name of the person you are
paying the cheque to and put extra
information about them on the cheque.
For example:
• if you are paying a cheque to a large
organisation such as HM Revenue
& Customs, write on the cheque the
name of the account you want the
cheque paid into (for example, ‘HM
Revenue & Customs – account, L
Mills’); or
• if you are paying a cheque into a
bank or a building society account,
always write on the cheque the name
of the account holder (for example,
‘XYZ Bank – account, L Mills’).
2 Out-of-date cheques
A cheque which has not been paid
because its date is too old is known as an
’out-of-date cheque’. A cheque normally
becomes out of date after six months
from the date written on it.
For cheques processed using the “Paper
clearing system”, the bank on which
the cheque is drawn can return the
cheque to the person who wrote it for
confirmation that it should be paid.
For cheques processed using the “Image
clearing system” the bank on which the
cheques is drawn can return the cheque
unpaid due to a technicality without
recourse to person who issued it.
3 Cancelling a cheque
If you have written a cheque, you can
cancel it before it is paid. To cancel a
cheque for any reason, you should phone
your branch immediately and give them
the following details.
• Cheque number
• The date of the cheque
• The amount the cheque is for
• The name of the person it is made
out to (known as the payee)
You should confirm these details, in
writing, as soon as possible. There will be
a fee for cancelling a cheque, as set out
in our price list.
4 Unpaid cheques
We expect you to keep your account in
credit at all times, unless you have an
arranged overdraft. So, if you suspect
that your account may go overdrawn
as a result of cheques you have issued
or other debit transactions you should
check your balance and if required, you
can lodge cleared funds to your account
up to 2pm (12pm on Christmas Eve, if it
is a Banking day) to cover these items. If
this is not possible speak to your branch
about the matter.
If you write cheques which take your
account overdrawn or over your
arranged overdraft limit, we may decide
9
not to pay them. If this happens, we will
return the cheques unpaid to the payee’s
bank (the bank of the person the cheque
is made payable to) with the answer
‘refer to drawer’. You will also have to
pay a fee, in line with our price list. If we
do decide to pay the cheques (meaning
you go overdrawn or over your arranged
overdraft limit as a result), this does not
mean we will pay any cheques up to this
amount in the future. Details of these
fees, why we charge them and when we
will take the fee from your account, can
be found in our price list.
Sometimes cheques are returned ‘unpaid’
for technical reasons – for example, ‘out
of date’, ‘payment stopped’ (see section
D, subsections 2 and 3) or ‘amounts differ’
(that is, when the amounts written in
words and figures are different).
If any cheques you pay into your account
are later returned unpaid by the bank
or building society on which they are
drawn, we will take the amount from your
account. You will also have to pay a fee in
line with our price list.
For cheques processed through the
“Paper clearing system” the cheques will
be returned to you by post.
For cheques processed through the “Image
clearing system” a letter will be sent to you
to advise if the cheque can be represented
or if you will be required to obtain a new
cheque from the issuer.
5 Disputing a cheque paid from your
account
If, within a reasonable period after an
entry has been made on your statement,
you have a dispute with us about a
cheque paid from your account, we
will give you the cheque or a copy as
evidence. If there is an unreasonable
delay after you have told us about it, we
will add the amount of the cheque to
your account until we have sorted the
matter out. We will keep original cheques
paid from your account, or copies, for at
least six years.
6 Clearing cheques
When you lodge a cheque to your
account, it has to go through a process
known as the clearing cycle. We will
treat the money as ‘uncleared funds’
for a period of time, depending on the
bank the money is being drawn from.
This ‘uncleared period’ reflects the time
it takes to receive the payment from the
branch of the bank on which the cheque
is drawn.
The following table shows what day
your cheque will clear for you to be able
to withdraw the money. The days refer
only to working days and do not include
weekends or bank holidays.
The clearing cycle on cheques lodged
through the Post Office
®
begins when
the cheque has been credited to your
account, usually the next banking day.
Examples - for cheques processed
through the “Paper clearing system”
AIB (NI) cheques
If you lodge an AIB (NI) cheque into
your AIB (NI) account on a Monday, the
money will normally be available for you
to withdraw on a Wednesday morning.
Once we have collected the money from
the branch named on the cheque, we will
clear the funds so we can work out what
interest you have earned, if this applies.
So, if you lodge an AIB (NI) cheque into
an AIB (NI) account that pays interest on
a Monday, it will start to earn interest (or
reduce the overdrawn balance for interest
purposes on any current account) from
that day.
Other UK bank cheques
If you lodge a cheque drawn on another
bank into an AIB (NI) account on a
10
Monday, the money will normally be
available for you to withdraw on a Friday
morning. Once we have collected the
money from the bank named on the
cheque, we will clear the funds so we can
work out what interest you have earned,
if this applies. So, if you lodge a cheque
drawn on another bank into an AIB (NI)
account that pays interest on a Monday,
you will normally start to earn interest (or
reduce the overdrawn balance for interest
purposes on any current account) on
Wednesday.
As described above, there is a risk that
the cheque could be returned unpaid
and taken from your account up to close
of business on the sixth day after the
cheque was lodged. The timescales are for
guidance purposes only and show when
we aim to make the funds available to you.
Note: These rules only apply to cheques
drawn in sterling on UK banks. Different
timelines apply for cheques drawn on
foreign banks and cheques drawn in
foreign currencies on UK banks.
11
Day Event - For cheques processed using the “Paper clearing system”
Day 0 Day the cheque is lodged into a customer’s account.
Day 1 Day the cheque is exchanged with the paying bank and processed through
their clearing system.
Day 2 Day the cheque is debited from the paying bank customer’s account.
Day that the customer gets value for the cheque (for example, the day the
funds will start earning interest OR reduce the amount of overdraft interest
charged).
Day that the paying bank makes the decision to pay the cheque or return
the cheque unpaid.
Day 3 Day that the collecting bank should receive the unpaid cheque from the
paying bank and takes the amount from the customer’s account.
Day 4 Day that the funds will be available for the customer to withdraw.
Unpaid cheque may still be taken from the customer’s account.
Day 5 Unpaid cheque may still be taken from the customer’s account.
Day 6 Last day that a cheque returned unpaid by the paying bank can be reclaimed
from a customer’s account. However, an unpaid cheque may be taken after
this date if we have the customer’s permission to take the amount from their
account, or if the customer was knowingly committing fraud.
Day Event - For cheques processed using the “Image clearing system”
Day 1 Day the cheque is lodged to the customer’s account.
Day 2 Day the funds will start earning interest or reduce the amount of overdraft
interest charged.
Funds will be available for withdrawal by the customer by no later than
23:59.
However an unpaid cheque may be debited after this date if we have the
agreement of the customer to debit their account OR the customer was a
knowing party to fraud.
Examples - for cheques processed
through the “Image clearing system”
AIB (NI) cheques
An AIB (NI) cheque lodged to an AIB
(NI) account on a Monday is normally
available for you to withdraw by no later
than 23:59 the next banking day (except
bank holidays). Once we have collected
the money from the branch stated on
the cheque it is cleared for the purpose
of calculating interest, if applicable.
Therefore an AIB (NI) cheque lodged on
a Monday to an AIB (NI) credit interest
bearing account, will normally start to
earn interest (or reduce the overdrawn
balance for interest purposes on any
current account) on Tuesday.
Other UK bank cheques:
A cheque drawn on another bank, lodged
to an AIB (NI) account on a Monday is
normally available for you to withdraw
by no later than 23:59 the next banking
day ( except bank holidays). Once we
have collected the money from the bank
stated on the cheque it is cleared for
the purpose of calculating interest, if
applicable. Therefore a cheque drawn on
another bank, lodged on a Monday to an
AIB (NI) credit interest bearing account,
will normally start to earn interest (or
reduce the overdrawn balance for
interest purposes on any current account)
by no later than 23:59 the next banking
day (except bank holidays).
The timescales are for guidance purposes
only and illustrate when we aim to make
the funds available to you.
NOTE: In exceptional circumstances a
cheque can be returned unpaid outside
of the clearing cycle outlined above.
12
E Cards
1 Visa debit card
You can apply for a Visa debit card, which
you can use to withdraw cash (up to £500 in
one day) and to make payments direct from
your current account.
You can use the Visa debit card to:
• pay for goods and services anywhere
Visa Debit is accepted – simply hand
over your card and sign the voucher or
key in your PIN number;
• pay for goods and services by post,
over the phone or on the internet –
quote your card number, its expiry
date, security code, and your name and
address;
• You can also withdraw cash over the
counter at any bank that accepts LINK
or Visa Debit throughout the world;
• make a cash withdrawal in foreign
currency outside the UK (up to £500 a
day) at any cash machine that accepts
Visa Debit (local cash machine currency
restrictions may apply).
• make a cash withdrawal in pounds
in the UK (up to £500 in one day)
including most UK Post Offices
®
.
For customers who have difficulty using a
PIN, we can offer a Chip and Signature Visa
debit card. When you buy goods in a shop,
you will not have to enter your PIN on the
terminal. Instead, the assistant will print a
receipt for you to sign and this signature
will then be compared to the signature on
the back of your card. All other transactions,
such as online and mail order, will be carried
out in the same way as the Visa debit
card, For more information or to ask for a
Chip and Signature Visa debit card, please
contact your branch.
If you have a Junior Saver Account you will
not be able to apply for a Visa debit card.
Security code
For security purposes, when you make
a purchase by phone or online you may
be asked to provide details of the CVV
‘security code’ on your card. This is the last
three digits of the number printed on the
signature panel on the back of your card.
However, you will never be asked for your
PIN.
Currency conversions
When you are using your card abroad,
some cash machines, retailers and hotels
may offer you the facility to pay in pounds
sterling rather than the local currency. If
you choose to pay in pounds sterling, it is
important to know that the retailer will apply
a local exchange rate to the transaction. This
rate is currently outside our control and we
have no way to change it. If you choose to
pay in the local currency, we will apply the
exchange rate to the transaction.
If there is a Contactless symbol located
under the Visa Debit logo (see User Guide)
on the front of your Visa Debit Card,
then your card is enabled for Contactless
payments.
Here’s how it works
› ›
Look Touch to Pay Go
› ›
Fast Simple Secure
Contactless and Mobile Payments –
The faster way to pay
If there is a Contactless symbol located under the
Visa Debit logo (see User Guide) on the front of
your Visa Debit Card, then your card is enabled
for Contactless payments.
You can pay for your purchases quickly and
securely using contactless, Android Pay
TM
. Simply
touch and pay for items that cost £30 or less with
your card/Android Pay
TM
. For items over £30 you
can pay using Android Pay
TM
depending on the
retailer.
Look for the
Contactless
symbol at the
till.
Simply hold your card or your
device against the reader.
If using a mobile device you
may be required to wake up
or unlock it.
Wait for
conrmation
and you’re
done.
How do I get started?
Card: To activate Contactless on your new
card, complete a Chip & PIN or Cash Machine
transaction and then you’re good to go.
Android Pay: Get the app on the google play
store, add your debit or personal credit card
and follow the on screen instructions. To find
out more go to aibni.co.uk/androidpay
Benets
To use Contactless on your new card, you
will need to do a Chip & PIN transaction
first in a shop or at a cash machine.
Keeping track of your spending
Visa debit card transactions are made
direct from your AIB (NI) current account.
Your bank statement will show exactly
how much you have spent and when you
have spent it. You can also track your
spending on Online Banking, Phoneline
Banking, Mobile Banking and at our cash
machines.
13
2 Personal identification numbers
(PINs)
We will provide you with your PIN and
your card separately. You can use our
cash machines to change your PIN
for your Visa debit card to a number
you prefer and can remember more
easily. The cash machine will give you
instructions on how to do this.
3 Replacement Visa debit cards
We will replace your Visa debit card if it is
lost, stolen or damaged, although we may
charge a fee for this. Our most up-to-date
fees are given in our price list. Visa debit
cards are normally valid for at least two
years and we will replace them before
their expiry date. We will not issue any
more cards on your account if you tell us
not to do so.
4 Recurring payment transactions on a
Visa debit card
You can use your Visa debit card to shop
online. You can also agree a spend limit
for your card for internet purchases.
Please contact us on (028) 9033 0099
if you would like to do this. If internet
transactions appear on your statement
and you are sure that they are not yours,
call us as soon as possible. If you have
recurring transactions (also known as
continuous payment authorities) set up
on your Visa debit card (such as internet
or magazine subscriptions) and you
wish to cancel them, you can do so by
contacting us up to the last business day
before the payment is due to leave your
account.
You should also contact the company or
service provider to advise them that you
are cancelling the recurring transaction.
Also refer to section E of our terms and
conditions brochure for information on
recurring transactions.
5 Withdrawing money and buying
items using your Visa debit card
The charges outlined in this section
will apply in addition to any other fees
as advised in the price list for Personal
customers brochure available from our
branches or on our website aibni.co.uk.
You can make cash withdrawals in
pounds in the UK or cash withdrawals in
foreign currency outside the UK. If you
withdraw money from a cash machine
not provided by AIB Group, you may be
asked to pay a handling fee (which will
go to the cash machine operator). When
you make a withdrawal, you should
be told how much these fees are and
be given the choice of cancelling the
transaction.
Using your Debit Card to make cash
withdrawals in pounds in the UK or at a
UK Post Office
®
counter
You can use your Debit Card to make
cash withdrawals in pounds in the UK.
The only fee applied by us in this instance
will be the automated withdrawal fee
mentioned above.
Using your Debit Card to withdraw
money from cash machines in Europe
and the rest of the world.
You can use your Debit Card to make
cash withdrawals in foreign currency
outside the UK from cash machines
displaying that they accept Visa Debit.
The amount will be converted at an
exchange rate set by Visa. You will have
to pay a currency conversion fee of
2.75% on the sterling amount you are
withdrawing. If you are withdrawing
a currency other than euro, you will
also have to pay a separate 1.5% cash
handling fee on the sterling amount.
14
Using your Debit Card to buy goods and
services and withdraw money over the
counter
If you use your Debit Card to buy goods
and services or to withdraw money over
the counter at any outlet that offers
this service (known as a ‘manual cash
advance’), in a foreign currency, you will
have to pay a currency conversion fee
of 2.75% on the sterling amount, which
is included in the foreign exchange rate
applied to the transaction. The amount
will be converted at an exchange rate set
by Visa.
For manual cash advances (including
pounds sterling), we will charge you a
separate 1.5% cash handling fee on the
sterling amount.
6 Verified by Visa
When shopping online with participating
retailers who take part in the Verified by
Visa scheme, we may ask you for some
extra security information to give you
an additional level of protection against
unauthorised use of your Visa debit
card. All you need to do is ensure that
you have a valid mobile phone number
registered with us because we may send
you a one-time passcode to complete the
online transaction.
If you experience difficulty using the
service or need to register your mobile
phone number, you can do this by
calling us on (028) 9033 0099. You may
not be able to proceed with your online
purchase if you do not register your
mobile number with us. You should take
all reasonable steps to keep your security
details secure at all times and you must
not let anybody else use your security
details.
F Standing orders and direct
debits
1 Standing orders
A standing order is a secure and
convenient way of making regular
payments from your current account to a
person or company. To set up a standing
order, you should contact your branch
and give them full details of the payments
you want to make, including the bank
account details of the person or company
you are paying. You can set up these
payments yourself using Online Banking.
It may take a few days to set up, amend
or cancel a standing order, so you should
give your branch the information as
soon as possible. You must have enough
money in your account to pay your
Standing Orders when they are due. You
can lodge cleared funds to your account
up to 2pm (12pm on Christmas Eve, if it
is a Banking day) to cover these items.
After a third consecutive failed payment
the Standing Order will automatically be
cancelled.
If you have a Junior Saver Account or
Student Account, you will not be able to
set up standing orders on your account.
2 Clearance of automated payments
A standing order is an instruction to
transfer money from one bank account
to another. Once the money reaches
the other account, it will be available
immediately for them to withdraw.
You can also receive money by standing
order or by having your salary or pension
paid by Bacs or Faster Payments Service
direct to your account. Once the money
reaches your account, it will be available
immediately for you to withdraw and will
start to earn interest (if this applies) the
following banking day.
15
Clearance of money transferred by
Online, Phoneline or Mobile Banking
You can use our Online or Phoneline
Banking service to transfer money
between accounts which have been
registered for these services. If you
transfer money between AIB (NI)
accounts, it will be immediately available
for withdrawal and will start to earn
interest (if this applies) the following
banking day. If you are transferring
money to an account with another bank,
it will normally be available no later than
the next banking day.
3 Direct debits
If you have regular bills to pay (such as
electricity or phone bills) but the amounts
are different each time, you can pay them
automatically by direct debit. To set up
a direct debit, you should contact the
company you want to pay. They will send
you a direct-debit mandate form, which
you will need to fill in and return.
• Setting up a direct debit from your
current account gives a company
or organisation permission to take
specific amounts from your account
on the dates the payments are due,
and amend the amounts when
necessary.
• The company or organisation you
are paying must tell you before they
make any changes to the amount you
pay, or how often you pay it.
• To cancel a direct debit, you should
write to your branch, we must
receive this notice no later than the
end of the banking day before the
date the payment is due to be made.
However, we can only recall or
cancel the payment if you have given
us your permission in writing. You
should also write to the company or
organisation you have been paying.
You must have enough money in your
account to pay your direct debits when
they are due. You can lodge cleared
funds to your account up to 2pm (12pm
on Christmas Eve, if it is a Banking day) to
cover these items. If there is not enough
money, we may stop the payment and
charge you a fee. This could make your
account overdrawn or take you over your
arranged overdraft limit (if you have one
on your account). Our charges are set out
in the account opening pack.
If you have a Junior Saver Account or
Student Account, you will not be able to
set up direct debits on your account.
4 Direct Debit Guarantee
This protects you if a direct debit you
have not authorised is taken from your
account – for example, if too much is
taken, if it is taken too early, if it is taken
after you have cancelled the direct debit,
or if you have not been given enough
notice about a change to a direct debit.
If any money is wrongly taken from your
account under a direct debit, we will
refund your account as soon as you tell
us about the payment.
• All banks and building societies that
take part in the Direct Debit Scheme
offer this guarantee.
• Your own bank or building society
monitors the scheme to make sure it
is as secure and efficient as it can be.
• If there is a change to the amounts
you pay or the dates you pay them,
the person or organisation taking the
payment will give you 10 working
days’ notice (or any notice otherwise
agreed).
• If your bank or building society
makes a mistake, you are guaranteed
a full and immediate refund of the
amount you paid from your branch.
16
• You can cancel a direct debit at
any time by writing to your bank or
building society. Please also send a
copy of your letter to the company
who you had set up the Direct Debit
to pay.
G Statements and pre-
notification
Junior Saver, Student 12 to 18, Student+
and Graduate current accounts only
We must make your statement available
to you at least every month free of
charge during any period that there has
been a payment transaction on your
Account. If you are a registered user of
Online and Mobile banking, you have
the option to view eStatements through
these services. Using Online Banking
you can choose to stop receiving your
statements in paper format. If we do not
hear from you, we will assume you are
happy to receive your statement in the
same way you receive this information
currently, for example, by way of paper
or eStatement.
Classic current accounts only
If you have accrued any debit interest or
fees during the month, we will send you
a statement and pre-notification for that
period. The pre-notification will give you
at least 14 days’ notice before we take
the fees or interest (or both) from your
account on the date shown on the pre-
notification.
If you have kept your account in credit
during the month and have no debit
interest or fees to pay, we must make
your statement available to you at least
every month free of charge during any
period that there has been a payment
transaction on your Account. If you are
a registered user of Online and Mobile
banking, you have the option to view
eStatements through these services.
Using Online Banking you can choose to
stop receiving your statements in paper
format. If we do not hear from you, we
will assume you are happy to receive
your statement
in the same way you receive this
information currently, for example, by
way of paper or eStatement.
H Overdrafts
1 What is an overdraft?
An overdraft is a flexible, short-term
borrowing facility that you can arrange
on your current account, normally for
periods of up to one year. Your local
branch can usually set the overdraft up
within 24 hours, even over the phone. As
a responsible lender, we will only lend
you money based on our assessment of
your ability to pay the amounts back. You
must be aged 18 or over.
You cannot have an overdraft if you
have a Junior Saver Account or Student
Account.
2 How much can I borrow?
Overdrafts are meant for short-term
borrowing. The amount you can borrow
(the arranged overdraft limit), and our
decision to lend money, will depend on a
number of factors, including:
• your income and commitments;
• how you have handled your financial
affairs in the past;
• information we have gathered from
credit-reference agencies and, with
your permission, other people and
companies (for example, employers
and other lenders);
• information you have supplied,
including proof of your identity and
your reasons for borrowing the money;
• credit assessment techniques
(for example, credit scoring – see
17
subsection 8 below); and
• any security you have provided (for
example a letter of guarantee, a legal
charge over a property or a charge
over deposits).
When we agree your overdraft, we will
write to you, setting out the terms and
conditions of the borrowing. Both you
and we will be bound by these terms and
conditions.
3 Guarantees
If you want us to accept a guarantee or
other security from someone that you will
pay back the amount you have borrowed,
we may ask you for your permission
to give confidential information about
your finances to the person giving the
guarantee (or other security), or to their
legal adviser. We will also:
• encourage them to get independent
legal advice to make sure that they
understand their commitment and
the effect their decision could have
(where appropriate, the documents
we ask them to sign will clearly set
out this recommendation);
• tell them that by giving the guarantee
or other security, they may become
responsible for repaying the amount
instead of, or as well as, you; and
• tell them what responsibilities they
will have.
We will not take an unlimited guarantee.
This means the letter of guarantee will
show the person, or people, who made
the guarantee what amount they are
responsible for.
4 How much will it cost?
For full details of the fees and interest that
may apply to an overdraft, see our price
list.
5 Repaying an overdraft
You are allowed to be overdrawn for the
period we agreed when we set up your
arranged overdraft limit. If you fail to meet
the conditions of your overdraft, we may
cancel it and demand that you repay any
money you owe. At the end of the period
your arranged overdraft limit applies
for, we will contact you to arrange to
review that limit. If you fail to review and
renew your limit (if appropriate), we will
charge you fees that apply to unarranged
borrowing (see subsection 6 below) for
any overdraft you use, but that has not
been arranged.
6 Unarranged overdrafts
If you have insufficient funds in your
account to cover a payment instructed
by you and you do not have an agreed
overdraft limit, or it brings you above your
agreed overdraft limit, this is known as
an unarranged overdraft. For example, if
you write cheques on your account and
there is not enough money to cover them,
or if you write cheques which put the
account above your arranged overdraft
limit, we may still pay them (leaving
your account overdrawn or above your
arranged overdraft limit). This is known as
unarranged borrowing. It is much more
convenient to arrange an overdraft with
your branch well beforehand, making sure
that the amount you agree will be enough
to meet your needs.
You can track the progress of your
balance by making sure that you fill
in your cheque stubs and allow for
all other outgoing payments (direct
debits, standing orders and so on) and
incoming payments (salaries, lodgements,
dividends and so on). There is a section
in your chequebook for you to keep a
record of this information. You can also
track your balance at any time of the
day or night if you set up Online and
Phoneline Banking or Mobile Banking.
18
There will be a cap of £90 on unarranged
overdraft charges within the monthly
charging period as follow:
7 Monthly cap on unarranged
overdraft charges
1 Each current account will set a
monthly maximum charge for:
(a) going overdrawn when you
have not arranged an overdraft;
or
(b) going over/past your arranged
overdraft limit (if you have one).
2 This cap covers any:
(a) interest and fees for going over/
past your arranged overdraft
limit;
(b) fees for each payment your bank
allows despite lack of funds; and
(c) fees for each payment your bank
refuses due to lack of funds.
Further details can be found in the Price
List for Personal Customer’s brochure
available from our branches or on our
website aibni.co.uk.
8 Credit scoring and behavioural
scoring
When you apply for credit, we may use a
credit- scoring system. The credit-scoring
system awards points for each piece of
relevant information and adds these up
to produce a score. When your score
reaches a certain level, we will generally
agree to your application. If your score
does not reach this level, we may not
agree to your application.
To review, renew or extend your existing
credit, we may use a behavioural
scoring system, sometimes known as
performance scoring.
This system examines how you have
used your account and assesses whether
it would be suitable for us to renew or
extend your credit.
I Interest and fees
1 Credit interest – interest we pay you
We pay credit interest on Junior Saver
Accounts and Student Accounts (for
young people aged 12 to 18). The
interest rates for these accounts may
change. How we make changes to our
interest rates is set out in our terms and
conditions brochure. We will also display
all our interest rates on our website at
aibni.co.uk
2 How we work out credit interest
Junior Saver and Student Accounts only
We work out credit interest each day on
the cleared balance of your account, and
pay it into your account quarterly. We do
not pay credit
interest on cheques until they have
cleared (see section D, subsection 6). If
both debit interest and credit interest
apply during the three-month period
for which we work out interest, we will
charge the ‘net interest’ (the amount left
over after taking the credit interest from
the debit interest) to your account.
All account holders who receive credit
interest
Credit interest if applicable, on all
accounts will be paid gross. If your credit
interest is more than your Personal
Savings Allowance you may still have
tax to pay. Please see www.gov.uk for
information on the Personal Savings
Allowance or speak to a tax advisor.
For more information on credit interest,
please see our price list.
19
3 Debit interest – interest we charge
you
We will charge debit interest on the
amount you are overdrawn which is in
excess of the interest-free limit and within
any arranged overdraft limit. The interest
rate that applies will vary depending on
circumstances, and will be set at a rate
above the AIB (NI) base lending rate. We
will tell you the rate that applies to your
account when you open your account.
You can also find details of your debit
interest rate on our website at aibni.co.uk,
by calling our helpline on 0345 6005 925
†
or by contacting your local branch. If our
base rate changes, we will display the
changes on notices in all our branches
and on our website at aibni.co.uk
4 How we work out debit interest
We work out debit interest each day on the
overdrawn balance of your account which is
in excess of the interest-free limit and within
any arranged overdraft limit.
5 Fees
Classic Account
We work out fees each month and send
you a pre-notification with your statement,
giving you at least 14 days’ notice of the
fees you owe us. We will charge these
fees to your account the following month.
We will clearly show you the date the fees
are due on the pre-notification we send
with your statement. For more information
on the fees that apply to these accounts,
please see our price list.
Other current accounts
Junior Saver, Student 12 to 18, Student+
and Graduate Accounts
You do not pay fees if you have one of
these accounts.
Full details of our fees can be found in
our price list which you can pick up at
any branch. We will tell you at least two
months beforehand if we plan to increase
or introduce any new fees. If we plan to
charge you any fees that are not set out in
the price list for personal customers, we will
tell you about these before we provide the
service or at any time you ask. Our fees may
change in the future.
†
Calls may be recorded. Call charges may
vary – refer to your service provider.
J Helping you
1 Safety and security
To help prevent fraud and to protect your
accounts, it is important that you take care
of your chequebook, Visa debit card, PINs
and any passwords we may issue you
with. You should keep the following advice
in mind.
• Do not allow anyone else to use your
card, PIN or other security information
(see the note below).
• We will never ask you for your PIN. If
you are not sure a caller is genuine or if
you think they are acting suspiciously,
take their details and call us.
• If you change your PIN, you should
choose your new PIN carefully.
• Always learn your PIN and other
security information and then destroy
the letter that we sent to give you this
information.
• We will provide you with your PIN.
When you receive your PIN you should
memorise it and keep it secret. You
can also change your PIN at any UK
Cash Machine displaying the LINK sign.
Do not choose a PIN that is easy for
someone else to guess (such as your
date of birth or 1234). You must never
tell anyone your PIN. You should never
write down or record your PIN on
your Card (or anything you normally
keep with or near it) in any way which
might be recognised as a PIN, or give
someone else access to a Device you
keep your details on.
• Always take reasonable steps to keep
your card safe and your PIN and other
security information secret at all times.
20
• When shopping online with
participating retailers who take part in
the Verified by Visa scheme, ensure
that you have a valid mobile phone
number registered with us because we
may send you a one-time passcode to
complete the online transaction. You
can do this by calling us on
(028) 9033 0099.
• Never give your account details or
other security information to anyone
unless you know who they are and why
they need them.
• Keep your card receipts and other
information about your account
containing personal details (for
example, statements) safe and get rid of
them carefully.
• Take care when storing or getting rid
of information about your accounts.
People who commit fraud use many
methods such as ‘bin raiding’ to get this
type of information. You should take
simple steps such as shredding printed
material.
• Be aware that your post can be
valuable information if it gets into the
wrong hands. If you fail to receive a
bank statement, card statement or any
other financial information you are
expecting, contact us.
• You will find the APACS website
www.cardwatch.org.uk a helpful guide
for practical tips on card security and
fraud prevention.
Note: By ‘other security information’, we
mean personal facts and information (in
an order which only you know) we use to
check your identity.
If your chequebook or cards are lost or
stolen or if you suspect or discover that
someone else knows your PIN, you should
report it immediately using the following
details.
• Visa debit and credit cards
and MasterCard
Phone: 028 9033 0099
• Chequebooks
Report to your local branch.
We will take immediate steps to prevent
your cards being used once you have
reported them to us. Unless we can show
that you have acted fraudulently or without
reasonable care, your liability for misusing
your card will be limited to the following.
• If someone else uses your card before
you tell us it has been lost or stolen,
or someone else knows your PIN, the
most you will have to pay is £35.
• If someone else uses your card details
without your permission and your card
has not been lost or stolen, you will not
have to pay anything.
• If your card is used before you have
received it, you will not have to pay
anything.
If you know or suspect that someone else
knows your password, PIN or PAC, you
should report it to your branch.
2 Cooling-off period
If you are not happy with your choice of
current account within 14 days of making
your first payment into it, we will help you
switch to another of our accounts or give
you all your money back with any interest it
may have earned. We will ignore any notice
period and any extra charges. Just contact
your branch who will be happy to assist you
with your request.
If you choose not to cancel, you will
continue to be responsible for keeping to
the terms and conditions of the account.
3 Making a complaint - our customers
If at any time you are dissatisfied with our
service please let a member of staff in your
branch (or service outlet) know, giving them
the opportunity to put things right as quickly
as possible. If you wish to make a complaint
you may do so in person, by telephone,
in writing and by email. Please be assured
that all complaints received will be fully
investigated.
21
You can register a complaint through our
contact centre, our branches, our website,
by phone, by email or in person at your
branch. We ask that you supply as much
information as possible to help our staff
resolve your complaint quickly. We ask that
you provide the following information:
• your name, address, Sort Code and
Account Number.
• a summary of your complaint.
• if feasible, any relevant
documentation.
We value your feedback and will try to
resolve your complaint as soon as possible.
In the event that your complaint cannot be
resolved to your satisfaction you may have
the right to refer the matter to the Financial
Ombudsman Service. You must refer your
complaint to the Financial Ombudsman
Service within six months from the date of
our final response letter. You can contact
them at:
Financial Ombudsman Service
Exchange Tower
London E14 9SR
Telephones: 0800 023 4567
+44 20 7964 1000
(for calls from outside the UK)
Email:
Website: www.financial-ombudsman.org.uk
4 Financial difficulties
If you have financial difficulties, we will
be sympathetic when we consider your
circumstances. If you feel that you are
getting into financial difficulties, we
recommend that you talk to us at as
early a stage as possible. The sooner
you discuss the problem with us, the
sooner we will be able to help you find a
solution.
We will work with you to help develop
a plan to deal with your financial
difficulties, and we will tell you in writing
what we have agreed. We will also
consult debt counselling organisations
such as Citizens Advice if you give us
permission to do this.
5 Financial Services Compensation
Scheme (FSCS)
Important information about
compensation arrangements
In the event that AIB Group (UK) p.l.c. is
unable to meet its financial obligations,
your eligible deposits are protected up
to a total of £85,000 by the Financial
Services Compensation Scheme, the
UK’s deposit protection scheme. This
limit is applied to the total of any eligible
deposits you have with AIB (NI) and Allied
Irish Bank (GB) and Allied Irish Bank (GB)
Savings Direct in Great Britain, each a
trading name of AIB Group (UK) p.l.c. In
the case of joint accounts, each account
holder is protected up to this limit.
Any total deposits you hold above
£85,000 between these trading names
are unlikely to be covered.
For further information about the scheme
(including the amounts covered and
eligibility to claim), please ask at your
local branch or refer to the FSCS website
www.fscs.org.uk
6 Help us to help you
It will help us to provide you with a high
standard of service if you make sure you
let us know as soon as possible if you
change your:
• name;
• address;
• phone number; or
• e-mail address.
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K Closing or switching your
account
1 Closing your account
You can close your account at any time
by giving us reasonable notice. We will
not close your account without giving
you at least two months’ notice, unless
there are exceptional circumstances (such
as we suspect that you have committed
fraud).
If you decide to transfer your account
to another bank or building society, we
will give that company information about
your standing orders and direct debits
within three working days from when we
receive your letter asking us to close the
account, so that the transfer goes ahead
as efficiently as possible.
2 Switching your account
If you want to move your current account
to another bank or building society, we
can explain how the switching process
works. Ask a member of staff for more
details.
L Other information
1 Changes to terms and conditions
When you become a customer, we will
tell you how we will let you know about
changes to our terms and conditions. If
the change is to your disadvantage, we
will tell you about it at least two months
before we make the change. During the
notice period you can, without giving us
notice, switch your account or close it
without having to pay any extra charges
or interest for doing this.
If there is a change to the Terms and
Conditions we will give you either a
copy of the full set of new Terms and
Conditions or we may provide a summary
of the changes.
2 Data Protection Notice - AIB Group
(UK) plc
Effective 1 April 2021
We respect your trust in us to use, store
and share your information. In this notice,
we explain how we collect personal
information about you, how we use it and
how you can interact with us about it.
We try to keep this notice as simple as
possible but if you are unfamiliar with
our terms, or want more detail on any
of the information here, please see our
website’s Frequently Asked Questions
section or our contact details at
aibni.co.uk/data-protection or
www.aibgb.co.uk/Data-protection.
You can also ask for more details at
your local branch.
1. Who we are
In this notice, ‘we’, ‘us’ and ‘our’ refers to
AIB Group (UK) p.l.c. which includes
AIB (NI), Allied Irish Bank (GB) and
Savings Direct, and AIB Group which
refers to Allied Irish Banks, p.l.c., its
subsidiaries, affiliates and their respective
parent and subsidiary companies. For
more information about our group of
companies, please visit
www.aibgroup.com.
We share your information within AIB
Group to help us provide our services,
comply with regulatory and legal
requirements, and improve our products.
2. Data Protection Officer
Our Data Protection Officer oversees
how we collect, use, share and protect
your information to ensure your rights
are fulfilled. You can contact our Data
Protection Officer at [email protected] or
by writing to them at: Data Protection
Officer, AIB Group (UK) p.l.c., AIB, 92 Ann
Street, Belfast, BT1 3HH.
3. How we collect information about you
We collect personal information from
you, for example when you open an
account; make a deposit; apply for
products and services; use your credit or
23
debit card; complete transactions; or look
for advice. We also collect information
through our website, apps, social media,
discussion forums, market research and
CCTV footage. We will sometimes record
phone conversations and we will always
let you know when we do this.
We may collect information to identify
you through voice, facial or fingerprint
(biometric data) recognition technology.
We always ask for your consent to do
this.
Our websites use ‘cookie’ technology.
A cookie is a little piece of text that our
server places on your device when you
visit any of our websites or apps. They
help us make the sites work better for
you.
When you apply to us for products and
services, and during the time you use
these, we carry out information searches
and verify your identity. We do this
by sending and receiving information
about you to and from third parties
including credit reference agencies and
fraud prevention agencies. We and
these agencies may keep records of our
searches whether or not the product or
service goes ahead.
4. How we keep your information safe
We protect your information with security
measures under the laws that apply and
we meet international standards. We
keep our computers, files and buildings
secure.
When you contact us to ask about your
information, we may ask you to identify
yourself. This is to help protect your
information
5. How long we keep your information
To meet our legal and regulatory
obligations, we hold your information
while you are a customer and for a
period of time after that. We do not hold
it for longer than necessary.
6. Meeting our legal and regulatory
obligations
To use your information lawfully, we rely
on one or more of the following legal
bases:
• performance of a contract;
• legal obligation;
• protecting the vital interests of you or
others;
• public interest;
• our legitimate interests; and
• your consent.
To meet our regulatory and legal
obligations, we collect some of your
personal information, verify it, keep it
up to date through regular checks, and
delete it once we no longer have to keep
it. We may also gather information about
you from third parties to help us meet
our obligations. If you do not provide
the information we need, or help us
keep it up to date, we may not be able
to provide you with our products and
services.
7. Consent
Sometimes we need your consent to use
your personal information. With direct
marketing for example, we need your
consent to make you aware of products
and services which may be of interest
to you. We may do this by phone, post,
email, text or through other digital media.
You can decide how much direct
marketing you want to accept when you
apply for new products and services. If
we ever contact you to get your feedback
on ways to improve our products and
services, you have the choice to opt out.
When we use sensitive personal
information about you, such as medical or
biometric data, we ask for your consent.
Before you give your consent, we tell you
what information we collect and what we
use it for. You can remove your consent
at any time by contacting us.
8. How we use your information
We use information about you to:
• provide relevant products and
services;
24
• identify ways we can improve our
products and services;
• maintain and monitor your products
and services;
• protect both our interests;
• meet our legal and regulatory
obligations; and
• decide and recommend how our
products and services might be
suitable for you.
To provide our products and services
under the terms and conditions we agree
between us, we need to collect and use
personal information about you. If you do
not provide this personal information, we
may not be able to provide you with our
products and services.
We analyse the information that we
collect on you through your use of our
products and services and on our social
media, apps and websites. This helps us
understand your financial behaviour, how
we interact with you and our position in
a market place. Examples of how we use
this information includes helping protect
you and others from financial crime,
offering you products and services and
personalising your experience.
We may report trends we see to third
parties. These trend reports may include
information about activity on devices, for
example mobile phones, ATMs and
self-service kiosks, or card spend in
particular regions or industries. When
we prepare these reports, we group
customers’ information and remove any
names. We do not share information in
these reports that can identify you as a
customer, such as your name, or account
details.
We sometimes use technology to help
us make decisions automatically. For
example, when you apply for a loan
online. Before we make a decision, we
automatically score the information you
give us, any information we already hold
about you, and any information we may
get from other sources.
9. Your information and third parties
Sometimes we share your information
with third parties.
For example to:
• provide products, services and
information;
• analyse information;
• research your experiences dealing
with us;
• collect debts;
• sell your debts;
• sell whole or part of our business;
• prevent financial crime;
• help trace, investigate and recover
funds on your behalf;
• trace information; and
• protect both our interests.
In order to process your application we
will supply your personal information to
credit reference agencies (CRAs) and they
will give us information about you, such
as about your financial history. We do this
to assess creditworthiness and product
suitability, check your identity, manage
your account, trace and recover debts
and prevent criminal activity.
We will also continue to exchange
information about you with CRAs on
an ongoing basis, including about your
settled accounts and any debts not fully
repaid on time. CRAs will share your
information with other organisations.
Your data will also be linked to the data
of your spouse, any joint applicants or
other financial associates.
The personal information we have
collected from you will be shared with
fraud prevention agencies who will use it
to prevent fraud and money-laundering
and to verify your identity. If fraud is
detected, you could be refused certain
services, finance or employment.
Further details of the CRA’s and fraud
prevention agencies, and how they
process your information can be found at
our websites.
We expect these third parties to have the
same levels of information protection that
we have.
25
We also have to share information with
third parties to meet any applicable law,
regulation or lawful request. When we
believe we have been given false or
misleading information, or we suspect
criminal activity we must record this and
tell law enforcement agencies, which may
be either in or outside the UK.
10. International transfers of data
We may transfer your personal
information outside of the United
Kingdom (UK) and the European
Economic Area (EEA) to help us provide
your products and services. We expect
the same standard of data protection
is applied outside of the UK and EEA
to these transfers and the use of the
information, to ensure your rights are
protected.
11. Your personal information rights
You will find information about your
rights, when they apply and our
responsibility to you on our website’s
Frequently Asked Questions section.
You can exercise your rights by calling
into a branch, using our social media
channels, phoning or writing to us.
Further information and our contact
details are available on our websites at
aibni.co.uk/data-protection or
www.aibgb.co.uk/Data-protection
We can help you with:
Accessing your personal information:
You can ask us for a copy of the personal
information we hold. You can ask us
about how we collect, share and use your
personal information.
Updating and correcting your personal
details.
Removing consent: You can change
your mind wherever you give us your
consent, such as for direct marketing, or
using your sensitive information, such as
medical or biometric data.
Restricting and objecting: You may
have the right to restrict or object to us
using your personal information or using
automated decision making.
Deleting your information (your right to
be forgotten). You may ask us to delete
your personal information.
Moving your information (your right to
Portability). Where possible we can share
a digital copy of your information directly
with you or another organisation.
When you contact us to ask about your
information, we may ask you to identify
yourself. This is to help protect your
information.
We generally do not charge you when
you contact us to ask about your
information.
12. Making a complaint
If you have a complaint about the use
of your personal information, please
let a member of staff in your branch
(or service outlet) know, giving them
the opportunity to put things right as
quickly as possible. If you wish to make
a complaint you may do so in person, by
telephone, in writing and by email. Please
be assured that all complaints received
will be fully investigated. You can register
a complaint through our contact centre,
our branches, our Website, by phone, by
email or in person at your branch. We
ask that you supply as much information
as possible to help our staff resolve your
complaint quickly.
You can also contact the Information
Commissioner’s Office at www.ico.org.uk
13. Updates to this notice
We will make changes to this notice
from time to time, particularly when we
change how we use your information,
and change our technology and products.
You can always find an up-to-date
version of this notice on our website at
aibni.co.uk/data-protection or
www.aibgb.co.uk/Data-protection. You
will also find a copy on display at your
local branch, or you can ask us for a copy.
3 What happens to your account if you
die
If we become aware that you have died,
how we treat the account will depend on
whether you are the only account holder
and whether the account is in credit.
If the account is a joint account, we
will pay any credit balance to the other
account holder, who can choose to
continue the account in their name. If
the joint account is overdrawn, we will
usually freeze the account until your
estate has been settled. In this case,
the surviving account holder can open
an account in their name but may have
to arrange to clear the overdraft. If an
account is in your name only and you
die, we will freeze the account and
contact the executors or administrators
(the people appointed to deal with your
estate).
4 General
For the purpose of any account you
open, the European Economic Area
(EEA) State is the United Kingdom. All
correspondence we send you will be in
English.
The AIB logo and AIB (NI) are trade marks used under licence by AIB Group (UK) p.l.c. incorporated
in Northern Ireland. Registered Office 92 Ann Street, Belfast BT1 3HH. Registered Number NI018800.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority
and the Prudential Regulation Authority.
AIBNI/DBP2 10/23
If you need this brochure in Braille, in large print or
on audio, ring 0345 6005 925
†
or ask your branch.
Customers with hearing difficulties can use the Text
Relay service by dialling 18001 0345 6005 925
†
.
†Calls may be recorded. Call charges may vary - refer to your service provider.
Call into any branch | Phone 0345 6005 925
†
| aibni.co.uk
