Online Banking

With our service you can keep on top of your finances by:

• Viewing your account balance and seeing what is available for you to withdraw or transfer. This will not include your overdraft (if you have arranged one)
• Viewing your recent transactions and searching by account or name on:
  • Up to 100 transactions on Current accounts
  • Up to 50 transactions on Deposit accounts
  • Up to 22 transactions on Credit Card accounts  
• Viewing any pending Visa debit card transactions (those which you have made but have not yet been taken from your account) including the retailers name.
• Confirming whether a cheque you have written has been presented.

Make payments and move money at a time and place that suits you. You can:

• Transfer money between your own accounts and to any bank or building society account in the UK. 
• Pay bills to a list of up to 2,000 companies. You can even select a payment date up to 28 days in advance.
• Choose to make these payments on a one-off basis, or for convenience you can save these bill and account details if you plan to pay to them on a regular basis.

If you plan to transfer money to another bank or building society, or pay any credit card, store card or finance bills, you will require a card reader.

Dependant on the account type you hold, you can:

• Set up, amend or cancel standing orders (regular payments).  You can also view the details of your current active or any cancelled regular payments.
• Cancel your direct debits. You can also view the details of your current active direct debits and of any direct debits you have cancelled within the last 6 months.

If you hold a personal credit card account with us, you can add this to Online Banking so that you can view your transactions and bill details.

There is also an extensive list of self-service options available. You can:

• Order a PIN reminder
• Order a replacement card
• Change your Credit Card address
• Request a credit limit increase or decrease
• Set up an authorised user on your account

Order a PIN reminder

If you hold a Fixed Rate Saver account with us, you can manage your account with Online Banking.  You can:

• Amend Maturity Instruction
• Add Funds – funds can only be lodged during specific periods*
• View Fixed Rate Saver account details

*Funds can only be added to your Fixed Rate Saver account during the initial account opening period, two days from account opening and when the account is in the pre-maturity window, five business days before the maturity date.

You can choose to stop your paper statements and when your eStatement is available to view you will receive a text message. You can stop paper statements in four easy steps.

Step 1. Log into Online Banking

Step 2. Choose ‘Statements & Fees’ from the ‘Accounts’ menu

Step 3. Select the ‘X’ beside the account you wish to stop paper statements for or select ‘Stop all paper statements’ and follow the on screen instructions.

Step 4. Confirm your mobile number.

Don’t forget

If you change your mobile phone number make sure you keep us up to date.

Update your contact details using ‘My Details’ in Online Banking (you will need your card reader to complete this process).

An eStatement is an electronic version of your printed bank account or credit card statement. eStatements will be available online for up to seven years for bank accounts. You will be able to view your credit card eStatements issued on or after 6 November 2014 for up to seven years.

If you need a paper statement on your account, you can print your eStatement. For your most up to date transaction you can order an out of course statement at any time and your eStatement will be available to view the next day and a paper statement will be posted to you also.

If you want to save your eStatements you can download and save these on your computer or device if you prefer.

• The below table compares the services available on Online Banking against our other other services.

   

  	Online Banking	Phoneline Banking
  Check your account balance	yes	yes
  Check and search your recent transactions	yes	yes
  Check your pending transactions	yes	yes
  Transfer money between your own accounts and any UK clearing bank	yes	yes   if already set up
  Pay your bills and Credit Cards	yes	yes   if already set up
  Set up, amend or cancel your regular payments	yes
  View or cancel direct debits	yes
  Cheque search	yes	yes
  Stop paper statements	yes
  View or print eStatements	yes
  Order a statement	yes	yes
  Manage your Credit Card	yes
  Manage my Visa Debit Card	yes
  Manage your Fixed Rate Saver account	yes
  Hear the PIN for your personal Allied Irish Bank (GB) Visa Debit Card		yes
  Send a Secure Message	yes
  Apply for a Loan or Overdraft	yes
  List of useful contacts	yes
  Access to banking services 365 days a year, day & night	yes	yes

Allied Irish Bank (GB) Online Banking is available from 7am until 3am 365 days a year for you to manage your finances.

There are however cut off times and transaction limits that apply to any value transactions that you are sending, setting up or cancelling.

Payments made after the daily cut-off time may take an additional banking day to be received by the recipient.  This information will be displayed at the bottom of each payment screen.  See the below links for more information:

• Online Banking daily payment cut-off times
• Online Banking daily transaction limits

Joint account holders and personal business partnerships

Customers who hold joint accounts should be aware that all account holders are jointly and severally liable for all transactions carried out on their accounts through Online Banking.  

If your joint account was set up so that any one of you can sign solely to complete transactions, then full access will be granted and you will be able to complete value transactions on this account through Online Banking.

If your joint account was set up that all or more than one of you must sign or give authority to complete transactions, you will only be allowed to use Online Banking for transactions which do not involve any value, for example checking your balance. You will not be able to carry out transactions such as transferring money or paying bills.