Information about current account services

The Financial Conduct Authority requires us to publish the following information about our business current accounts:

Information about current account services

How and when you can contact us to ask about the following things:

Reduced Service – The hours of operation in our Contact Centre have changed temporarily. We will be here to help you Monday – Friday 9am – 5pm.

This is for your safety and wellbeing of our staff as the situation with Covid-19 evolves. Thank you for your continued patience and support during this time.

	24 hour help?	*Telephone _1**	Internet banking _{Note: Includes both Online Banking (available to some business customers) and iBB (available to all business customers)}	Mobile banking
contact details	No	0345 601 6262 _*2	Not possible _*3
checking the balance and accessing a transaction history	No	9am – 5pm Mon-Fri (excluding bank holidays^{) ^}	Not possible _*3	Not Available
sending money within the UK, including setting up a standing order	No	9am – 5pm Mon-Fri (excluding bank holidays) ^{^}	Not possible _*3	Not Available
sending money outside the UK	No	9am – 5pm Mon-Fri (excluding bank holidays) ^	Not possible _*3	Not Available
paying in a cheque	No	9am – 5pm Mon-Fri (excluding bank holidays) ^{^}	Not possible _*3	Not Available
cancelling a cheque	No	9am – 5pm Mon-Fri (excluding bank holidays) ^{^}	Not possible _*3	Not Available
cash withdrawal in a foreign currency outside the UK	No	9am – 5pm Mon-Fri (excluding bank holidays) ^{^}	Not possible _*3	Not Available
a lack of funds: including unarranged overdrafts, payments we allow despite lack of funds and payments we refuse due to lack of funds	No	9am – 5pm Mon-Fri (excluding bank holidays) ^{^}	Not possible _*3	Not Available
a direct debit, or allowing someone to collect one or more payments from your account using your debit card number	No	9am – 5pm Mon-Fri (excluding bank holidays) ^{^}	Not possible _*3	Not Available
third party access to an account, for example under a power of attorney	No	9am – 5pm Mon-Fri (excluding bank holidays) ^{^}	Not possible _*3	Not Available
problems using internet banking or mobile banking	No	9am – 5pm Mon-Fri (excluding bank holidays) ^{^}	Not possible _*3	Not Available
reporting a suspected fraudulent incident or transaction	Yes	24 hours / 7 days a week contact via: 028 9024 1822	Not possible _*3	Not Available
progress following an account suspension or card cancellation, e.g. following a fraud incident	Yes	24 hours / 7 days a week contact via: 028 9024 1822	Not possible _*3	Not Available
account opening: including eligibility for an arranged overdraft, what is required to open an account and an indication of what arranged overdraft may be available	No	9am – 5pm Mon-Fri (excluding bank holidays) ^{^}	Not possible _*3	Not Available

Note: this is a list of common queries. It does not represent the full list of queries you can raise in relation to your account or of queries you can raise in one of our branches.

_{* 1 - The above listed availability indicates times when you can talk to a suitably experienced member of staff and does not include interaction with automated responses or referral to FAQs}

_{* 2 - Call charges may vary - refer to your service provider}

_{* 3 - You can also communicate with us through our ‘My Messages’ option within Online Banking. We will respond to your message between 9am and 5pm, Monday to Friday (excluding bank holidays). This option is not available for iBB.}

_{^ Telephone support for non-customers and for customers who are not registered for Online Services is available 9am to 5pm, Monday to Friday.}

How and when you can use your bank account to do the following things:

	Telephone banking _*1	Internet banking _*1 _{Note: Includes both Online Banking (available to some business customers) and iBB (available to all business customers)}	Mobile banking
checking the balance	24 hours / 7 days	24 hours / 7 days	Not Available
accessing a transaction history	24 hours / 7 days _*2	24 hours / 7 days _*2	Not Available
sending money within the UK	9am – 5pm Mon-Fri (excluding bank holidays_) *4	24 hours / 7 days _*4	Not Available
setting up a standing order	9am – 5pm Mon-Fri (excluding bank holidays)_*3	24 hours / 7 days	Not Available
sending money outside the UK	Not possible	24 hours / 7 days _*5	Not Available
paying in a cheque	Not possible	Not possible	Not Available
cancelling a cheque	9am – 5pm Mon-Fri (excluding bank holidays)	Not possible	Not Available

Note: this is a list of common actions. It does not represent the full list of actions you can take in relation to your account, or actions you can take in one of our branches.

_{* 1 - Please note, Online Services may be unavailable between 3:00am and 7:00am daily due to essential maintenance.}

_{* 2 - You will be able to hear up to 88 transactions via Phoneline Banking. You will be able to view up to 100 transaction lines via Online Banking and up to 7 years Statements. You will be able to view up to 180 days of transactions via iBB.}

_{* 3 - You will be able to set up a new Standing Order through Phoneline Banking by speaking to a Customer Service Adviser between 9am – 5pm Mon-Fri (excluding bank holidays) or through Online Banking. You will require a Card Reader to set up a new Standing Order. You can also set up a Standing Order through iBB and will need your Digipass.}

_{* 4 - You will be able to send payments to existing payees on Phoneline Banking. You will only be able to send a payment to a brand new payee by firstly adding the payee on Online Banking (Card Reader required) or by completing the Phoneline Banking Services form with the payee details. You can use iBB to send a payment to a brand new payee.}

_{* 5 - You will be able to send money outside the UK via iBB if you have availed of the International Payments module. You will not be able to send money outside the UK via Online Banking.}

Operational and security incidents

Information about operational and security incidents

We are obliged to notify the Financial Conduct Authority if we become aware of a major operational or security incident which prevents our customers from using our payment services.

	In the 3 months between 1 October 2020 and 31 December 2020	In the 12 months between 1 January 2020 and 31 December 2020
Total number of incidents reported	1	2
Incidents affecting telephone banking	0	0
Incidents affecting mobile banking	0	0
Incidents affecting internet banking	0	0

Complaints

Complaints data

Financial Conduct Authority rules require us to provide them with a report of our complaints data every six months. In certain circumstances, we are also required to publish a summary of our complaints data. The most recent summary is available https://aibgb.co.uk/help-and-guidance/customer-service/complaint-reporting-statistics

The Financial Ombudsman Service publishes its complaints data every six months. You can see their complaints data about us at http://www.ombudsman-complaints-data.org.uk/.

Account opening information

Opening a current account with us, and how quickly we provide you with the information and services required to operate the account

Opening a current account with us

Click here to find out how you can open an account, and what information and documents you need to give us to open an account.

How quickly do we open business current accounts?

We give customers an account number and enable them to start paying into the account:

the same day, for 0% of customers;
on average, in 12 days; and
within 30 days for 99% of customers.

These figures are based on the time taken from our receiving all the information and documents we ask for, in a case where we don’t need any further information or documents to open the account.

How quickly do we give customers a debit card?

Once an account is open, we give customers a debit card:

the same day, for 0% of customers;
on average, in 7 days; and
within 8 days for 99% of customers.

How quickly do customers get internet banking? *1

Once an account is open, customers have internet banking:

the same day, for 0% of customers;
on average, in 31 days; and
within 96 days for 99% of customers.

How quickly is an overdraft available? *2

Once an account is open, the overdraft is available:

the same day, for N/A of customers;
on average, in N/A days; and
within N/A days for 99% of customers.

Notes:

_{* 1 - The above figure includes both online banking (available to some business customers) and iBB (available to all business customers).}

_{*2 - AIB (GB) support commercial and corporate customers across a range of sectors, offering a range of products to meet their needs. During the quarter, none of our business customers who were in scope requested an Overdraft as part of the account opening process. We are therefore unable to display any timescales for this section on this occasion.}

Replacing a debit card

Time taken to replace a lost, stolen and stopped debit card

How quickly do we replace debit cards which have been lost, stolen and stopped? _*1

We replace debit cards:

the same day, for 0% of customers;
on average, in 6 days; and
within 17 days for 99% of customers

Notes:

_{* 1 - The above time taken is up to when the replacement debit card has been issued, and may include time taken by customers to contact the firm after their card has been stopped.}

Information about how to open a current account

How you can open an account, and what information and documents you need to give us to open an account

To open any of our Business Accounts, a new customer will need to provide us with the documents and information set out in the following document https://business-account-opening-guide.ukfinance.org.uk/. We may request additional information or documents in individual cases.
You can open an account:
without visiting a branch	No
where a visit to a branch is required, without an appointment	In some cases
by sending us documents and information electronically	No
by post	No

Independent Service Quality Survey Results

The requirement to publish the Competition and Markets Authority independent service quality survey results for business current accounts can be found here.

Supporting the needs of all our customers

Information on the key ways we support the needs of all personal current account customers can be found here.

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Information about current account services

The Financial Conduct Authority requires us to publish the following information about our business current accounts: