Allied Irish Bank (GB) International Payments Terms & Conditions

Allied Irish Bank (GB) International Payments Terms & Conditions 1

Allied Irish Bank (GB)

International Payments

Terms & Conditions

Introduction

Outgoing International Payments are payments that allow you

to send money abroad in foreign currency or in Sterling, for the

account of the Receiver. In Allied Irish Bank (GB), an Outgoing

International Payment is transacted on completion of a Paylink

Form or on completion of a SEPA Credit Transfer Form.

Incoming International Payments are payments that are

received in any currency from financial institutions banks

based in another country or in any currency except sterling

from banks based in the UK.

Terms & Conditions

These Terms & Conditions apply to International Payments

processed by Allied Irish Bank (GB) from 13 July 2018. These

Terms & Conditions are available upon request and via our

Website.

Allied Irish Bank (GB) and Allied Irish Bank (GB) Savings

Direct are trademarks used under licence by AIB Group (UK)

p.l.c. (a wholly owned subsidiary of Allied Irish Banks, 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.

Routing and Channels

Allied Irish Bank (GB) uses SWIFT (Society for Worldwide

Interbank Financial Telecommunications), EBA (Euro Banking

Association), SEPA Scheme and other payment systems and

a wide range of correspondent banks who act as agents of

Allied Irish Bank (GB) to effect International Payments. The

routing and channel(s) used by Allied Irish Bank (GB) is entirely

at our discretion.

1 Definitions

‘We’, ‘us’, ‘our’ and ‘Bank’ means Allied Irish Bank (GB), its

successors and assigns.

‘You’ and ‘your’ refers to the customer or customers in whose

name the Account is held.

Account means your Allied Irish Bank (GB) Account, from

which or into which an International Payment can be made.

Authorised Payment means a payment which has been made

with your permission and in line with our Terms & Conditions.

Banking Day means any day of the week other than Saturday,

Sunday or bank holidays in England, Wales and/or Scotland,

even though some of our branches and services are open on

non-Banking days. Payments made into your Account on a

day that is not a Banking day will be processed the following

Banking day. The date that is shown for that payment (for

example, on your statement), and the date from which the

money starts to earn interest if it is in an interest-bearing

Account, will still be the following Banking day.

Bank Code means a local numerical code to identify financial

institutions and its branches within a country. Example

National Sort Code (NSC) for UK, ABA number for US.

BIC means the Bank Identifier Code and is a unique address

that identifies a financial institution.

EEA Countries means the current members of the European

Economic Area as may be amended from time to time.

IBAN means International Bank Account Number (IBAN) and is

the international standard for numbering bank accounts.

Intermediary Bank means a bank or financial institution

that acts on behalf of another bank or financial institution in

transferring of funds between the Payer and Receiver.

International Payment Application Form means Paylink Form

and SEPA Credit Transfer Form.

International Payment means transferring funds (Including

SEPA Credit Transfer payments), in any currency, from or to

another account outside the UK, or transferring funds from or

to another account inside the UK in any currency other than

sterling.

Payer means the individual or organisation sending funds to

another individual or organisation via any payment channel.

Payment Service Provider mean an organisation that offers

any payment services to customers including, but not limited

to, us.

Paylink Form means a form used to make International

payment in all major currencies to most destinations

worldwide (Excluding SEPA Credit Transfer).

Receiver means the owner of an account to which funds are

to be credited.

Reference means a combination of letters, numbers or

symbols used to identify a payment.

SEPA means the Single Euro Payments Area as defined by the

EPC as being the area where citizens, companies, and other

economic actors will be able to make and receive payments in

Euro, whether between or within national boundaries under

the same basic conditions, rights and obligations, regardless

of their location with that area. The official list of SEPA

countries as are published and updated or amended by the

European Payments Council from time to time.

SEPA Credit Transfer means a single non-urgent Euro

payment that is executed in accordance with the SEPA

Scheme Rules. The Receivers bank must be SEPA reachable.

SEPA Credit Transfer Form means a form used to make SEPA

Credit Transfer payment.

Allied Irish Bank (GB) International Payments Terms & Conditions 2

Standard exchange rate means foreign exchange rate of the

day, provided by us for payment amounts below the Standard

exchange rate threshold value. The reference exchange rate

used by us to determine the standard exchange rate is the

mid-market rate available at the start of the Banking day.

Standard exchange rate threshold value means currency

equivalent of £ 20,000.

SWIFT means the Belgium based Society for Worldwide

Interbank Financial Telecommunication and processes

payments on behalf of financial institutions worldwide.

Unique Identifier means information required to identify the

bank Account of the Receiver when processing a payment

(for example the IBAN of the Receiver and the BIC of the

Receiver’s Bank).

Website refers to our internet site, https://aibgb.co.uk

2. Contacting us

You can contact us through our contact centre, through

our branches, by email and by phone (as set out in your

terms and conditions). Further details on how to contact

us are listed below.

a) Details of your branch will be provided to you when

you open your Account.

b) We have a phone number you can use to report

unrecognised, suspicious or fraudulent transactions,

no matter what product or service they apply to.

The number is 028 9034 6060 and it can also be

found on our Website. A customer service adviser will

be available to handle your query on a 24/7 basis.

Calls may be recorded for training and monitoring

purposes.

c) You can also contact us by writing to our head office

at AIB GB, St Helen’s, 1 Undershaft, and London,

EC3A 8AB.

3. Contacting You

Subject to applicable law, we may contact you in person,

by phone (including text message), post, hand delivery,

by fax, by email or online (for example, via message

facility available on our online banking or similar systems)

or other electronic means.

4. General

4.1 These Terms & Conditions apply to our International

Payments only. In the event of any overlap and/or

inconsistencies between these Terms & Conditions and

the Terms & Conditions of your Account, your Account

Terms & Conditions will take precedence.

4.2 These Terms & Conditions are governed by the laws of

England and Wales and in the event of a dispute the

courts of England and Wales have exclusive jurisdiction.

4.3 These Terms & Conditions are written in English and all

our communications will be in English.

4.4 International Payments within Allied Irish Bank (GB)

are processed through Customer Treasury Services. To

ensure we carry out your instructions accurately and

to help improve our services, we may monitor and/

or record your telephone conversations with Customer

Treasury Services.

5. Notice of changes to this terms and conditions

a) We may alter these terms and conditions from time to

time. Alterations will normally be caused by changes

in the cost of providing the service, changes in, or

our requirement to conform with, general banking

practice, expected or actual changes in legal or other

requirements affecting us, promotional reasons, any

system or product development or to enable us to

conduct our business in a prudent or competitive

manner or other good reasons. We may also change

these terms and conditions to make them clearer

or more favourable to you or to rectify any errors

identified after we have provided these to you.

b) If you do not make International Payments using our

iBusiness Banking service, we will provide you with

a copy of the amended terms and conditions before

you instruct us to make an International Payment from

your Account. We will consider you to have accepted

the amended terms and conditions by signing the

International Payment Application Form.

6. Information you will need to make an Outgoing

International Payment:

6.1 To complete a Paylink Form, you must:

a) Have an Account;

b) Know the amount you wish to transfer;

c) Know the Receiver’s full name and address;

d) Know the IBAN of the Receiver and BIC of the

Receiver’s bank (Mandatory for intra EEA and

Switzerland payments) or

e) Know the Account number of the Receiver, bank Code

of the Receiver’s bank and BIC of the Receiver’s bank

f) Know the account number of the Receiver, bank code

of the Receiver bank and Receiver’s bank full Name

and Address

g) Provide a clear purpose for the payment.

6.2 To complete a SEPA Credit Transfer Form, you must:

a) Have an Account;

b) Know the amount you wish to transfer (transfer

currency must be in Euro);

c) Know the Receivers full name and IBAN.

6.3 Making payments to SEPA zone countries and to certain

non-EEA countries, you must include a valid IBAN for the

Receiver on all payments to these countries. If you do not

provide this information on your payment instruction, we

will be unable to process your Outgoing International

Payment. Please visit our Website for list of IBAN

mandatory countries.

6.4 It is your responsibility to ensure that the International

Payment Application Form is completed correctly. Failure

to provide the correct information may result in your

International Payment being returned to your Account

for a lesser amount due to foreign bank fees and charges

and/or exchange rate losses.

6.5 You consent to making an International Payment from

your Account by:

a) signing the International Payment Application Form; or

b) the payment authoriser using of the requested code,

if the International Payment is being made using our

iBusiness Banking service. Please refer to iBusiness

Banking terms and conditions for further information.

7. Information you will need to provide to the Payer

to receive an Incoming International Payment:

7.1 To receive an Incoming International Payment, you must

provide the Payer with the following:

a) Your full Account name and address and;

b) Your IBAN and BIC of Allied Irish Bank (GB). Your IBAN

is found on the front of your Account statement and

Allied Irish Bank (GB) BIC is AIBKGB2L or;

c) Your Account Number and our NSC or

d) For Euro payments originating within SEPA reachable

countries by using SEPA, provide your IBAN.

Allied Irish Bank (GB) International Payments Terms & Conditions 3

7.2 Any incorrect information provided, including but not

limited to IBAN and/or BIC may result in the delay

of applying funds to your Account or the return of

the Incoming International Payment to the sending

institution.

8. Refunds/Redress

8.1 In the event of a dispute or query in respect of an

International Payment, please refer to your Account

Terms & Conditions.

9. Fees and Charges

9.1 Fees for Outgoing International Payments will be debited

from the Account on which the payment is applied,

unless you have made alternative arrangements with

your branch or Relationship Manager.

9.2 You will be debited for an Outgoing International

Payment fee on the date the funds are taken from your

Account.

9.3 The fee for an Incoming International Payment will be

debited from the Account credited, unless you have

agreed an alternative arrangement with your branch or

Relationship Manager.

9.4 Our fees and charges for International Payments are

listed in our Customer Treasury Services - Schedule of

Charges brochure and these are available on our Website

under "Fees and Charges" section.

9.5 A transaction charge may be applied to each Outgoing

and Incoming International Payment. For more

information on Transaction charges please review

our Personal and Business Banking fees and charges

brochures. These are also available on our Website under

“Fees and Charges” section.

9.6 If you are making a payment within the EEA, in any

currency, you and the Receiver must pay your own

bank charges. An Intermediary Bank may not deduct

its charges from the payment amount on a payment

made in an EEA currency within the EEA. For non-EEA

payments, an Intermediary Bank may deduct its charges

from the payment amount before it is made available to

us or to the Receiver’s Bank.

9.7 If you are making an International Payment from a

foreign currency Account, the charge for the payment

will be debited at the rate of exchange applicable to

your Account the day your foreign currency Account is

debited.

9.8 If you are receiving an International Payment into a

foreign currency Account, the charge for the payment

will be debited at the rate of exchange applicable to your

Account the day the Account is credited.

10. Exchange rates

10.1 Any payment to or from your Account in a currency other

than the currency of your Account, will require a currency

conversion using a foreign currency exchange rate.

10.2 If you complete an International Payment Application

Form in a branch, we will advise you our Standard

exchange rate at the time and these Standard exchange

rate is available on our Website. This is our indicative rate

and the actual exchange rate used for transaction will be

made available by post or email or via our online banking

services (for example, in your payment logs) or by any

other means permitted. Please note we can change our

exchange rates immediately and without notice.

10.3 For International Payments the exchange rate used for

such conversions will be:

a) for amounts up to and including our Standard

exchange rate threshold value, our applicable

Standard exchange rate on the Banking Day on which

the instruction is deemed to have been received by us;

and

b) for amounts over our Standard exchange rate

threshold value, we will attempt to contact you

to negotiate a rate with you before we make the

conversion.

c) If we are unable to contact you or have been unable

to agree a rate with you within two hours of receiving

the payment instruction or at the latest by 4:00 pm

on the Banking Day on which a payment received

by us, we will apply the prevailing exchange rate as

determined by us at that time.

10.4 It is possible to agree an exchange rate in advance.

When a rate has been agreed in advance for an

Outgoing International Payment, you must provide the

details of this rate and our reference on the International

Payment Application Form or in the letter of instruction.

(Important note: Any pre-agreed exchange rate is a

legally binding Agreement with you to complete the

respective foreign exchange transaction. If you need to

cancel an agreed rate you should advise us immediately.

You may be liable for any losses incurred by us due

to your failure to utilise the agreed exchange rate and

we reserve the right to charge your Account, or any

other account you hold with us, with the cost in these

circumstances).

11. Maximum Timeframes & Currency cut-off times

11.1 Where we accept an International Payment instruction,

we will ensure that the Receiver’s bank is paid within

the following timeframes (assuming we have received a

completed instruction before the relevant cut-off time on

a Banking Day).

Type of payment Maximum Execution Time

* Payments in Euro

to any EEA country.

Minimum of same Banking Day and

at the latest by the end of the next

Banking Day after we receive the

payment instruction. This time limit

may be extended by a further Banking

Day where you initiate a payment by

using a paper form.

Payments in any

other EEA currency

within the EEA.

Minimum of same Banking day and

at the latest by the end of the fourth

Banking Day after we receive the

payment instruction.

All other payments. This varies depending on the currency

or the country you are sending the

payment to (or both). We will take

reasonable steps to ensure that your

instructions are carried out in a timely

manner. Any timeframe that we give

you will be indicative only and we do

not guarantee that it will be met in

every case.

* provided that the currency conversion takes place within the

United Kingdom and, in the case of cross-border payments,

the transfer takes place in Euro.

11.2 Cut off time for Outgoing International Payments initiated

using International Payment Application Form is available

on our Website and payments executed using electronic

channels (for example iBB) are available on the relevant

channels.

Allied Irish Bank (GB) International Payments Terms & Conditions 4

11.3 In the case of an Incoming International Payment, if we

receive an instruction before our Incoming International

payment cut- off times, we will process your payment on

the value date quoted, unless the value date specified

has passed or unless it is a non-Banking Day. If the

date quoted has already passed, we will process your

payment on the date we receive it. If a payment is

received after the cut-off time or on a non-Banking Day,

this will be deemed to have been received the following

Banking Day.

11.4 Please visit our Website or contact your branch or

Relationship Manager for Incoming International

Payment cut-off times.

12. Details about Outgoing International Payments

12.1 Information in relation to your International Payments will

be made available by post, email, via our online banking

services (for example, in your payment logs) or by any

other means permitted.

12.2 We will provide you with the following information as

soon as reasonably practicable after the payment has

been processed:

a) A Reference number enabling you to identify the

payment, and where applicable, information relating

to the Receiver of the funds;

b) The amount of the payment transaction in the

currency used in the payment instruction;

c) The amount of any charges payable by you for the

payment;

d) The exchange rate used by us and the amount of the

payment after the currency conversion; and

e) The debit value date.

13. Details about Incoming International Payments

13.1 Information in relation to yours International Payments

will be made available by post, email, via our online

banking services (for example, in your payment logs) or

by any other means permitted.

13.2 We will provide you with the following information as

soon as reasonably practicable after the payment has

been processed:

a) A Reference number enabling you to identify the

payment, and where applicable, information relating

to the Payer of the funds;

b) The amount of the payment in the currency in which

the funds are is received by us;

c) The amount of any charges payable by you for the

payment;

d) The exchange rate used by us and the amount of the

payment after the currency conversion;

e) The credit value date; and

f) Any reference information provided by the Payer or

their financial institution.

14. Cancelling a Payment

Generally, once received by us for execution,

International Payment instructions are irrevocable.

However, if you wish to amend or cancel an instruction

that you have given us we will use our reasonable

endeavours to make such amendment or cancellation

if it is possible for us to do so. Any amendment or

cancellation instruction should be given to your branch

or Relationship Manager in writing, by telephone or in

such other form as we may prescribe. You will be liable

for any additional fees, expenses and/or exchange losses

which arise out of any such amendment or cancellation

or any investigation initiated at your request. Payment

by us against uncleared effects will not give rise to any

obligation on us to do so on any subsequent occasion.

If we receive a request to cancel an International

Payment credited to your Account, you will be contacted.

15. Our liability to you

15.1 To the extent permitted by law and except as otherwise

set out in these Conditions we shall only be liable to you

for delay, mistake or omission on that part or that of our

agent(s) in carrying out your payment instructions for an

amount up to and including face value of your instruction

together with any related interest and charges. We shall

not be liable to you for any other claims, demands,

losses, cost, liability or expenses (including legal costs).

For the avoidance of doubt we shall not be liable to you

for any indirect, consequential, special or economic loss

or damage as a result of any delay, mistake or omission

on our part or that of our agent(s) in carrying out your

payment instruction. This Condition does not affect your

rights under the Payment Services Regulations 2017,

or any other law, relating to unauthorised transactions

or incorrectly executed transactions (for example,

instructions not followed correctly or transactions not

carried out properly).

15.2 We may use any intermediary or agent bank and

clearing and settlement system of our choice to execute

any payment. The routing and channel(s) used by us is

entirely at our discretion Where we provide you with

services outside the EEA, we shall not be liable to you for

any delay or failure caused by an intermediary or agent

bank or any clearing or settlement system.

15.3 We are not liable for any loss or damage arising from

any refusal to carry out any instruction for a payment

from your Account where we are entitled to do so in

accordance with these Terms & Conditions by law, or for

any loss or damage you may suffer as a result of the way

in which any such refusal is communicated to you or to

others.

15.4 We will not be liable if, despite all our efforts, we are

prevented (directly or indirectly) from meeting any of

our responsibilities under these terms and conditions

because of:

a) A fault which has happened in any system used to

carry out a transaction;

b) An industrial dispute (for example, a strike); or

c) Anything outside our or our agents’ or subcontractors’

control.

15.5 We will be liable for the amount of any transaction, plus

any interest and charges, if there have been any faults

with systems you have used and these were not obvious

or displayed as a warning message or on a notice at the

time you used the system.

15.6 Notwithstanding any other provision in these Conditions,

we may take whatever action we consider appropriate

to meet our obligations, either in the UK or elsewhere

in the world, relating to the prevention of fraud, money

laundering or terrorism and to the provision of financial

and other services to persons who may be subject to

sanctions. This action may include, but is not limited to,

investigating and intercepting payments into and out of

your Account and, making enquiries to establish whether

a person is subject to sanctions or the payment is in

contravention of our own internal bank policies. This may

result in a delay or failure to execute instructions received

from you or in the receipt of cleared funds.

Allied Irish Bank (GB) International Payments Terms & Conditions 5

16. Data Protection Notice

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 www.firsttrustbank.co.uk/data-protection or

www.aibgb.co.uk/Data-protection. You can also ask for

more details at your local branch.

16.1 Who we are

In this notice, ‘we’, ‘us’ and ‘our’ refers to AIB Group (UK)

p.l.c. which includes First Trust Bank, Allied Irish Bank (GB)

and Allied Irish Bank (GB) 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.

16.2 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., First Trust Centre,

92 Ann Street, Belfast, BT1 3HH.

16.3 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 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.

16.4 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

16.5 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.

16.6 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.

16.7 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.

16.8. How we use your information

We use information about you to:

• provide relevant products and services;

• 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.

Allied Irish Bank (GB) International Payments Terms & Conditions 6

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.

16.9 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.

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.

16.10 International transfers of data

We may transfer your personal information outside of 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 EEA to these

transfers and the use of the information, to ensure your

rights are protected.

16.11 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

www.firsttrustbank.co.uk/data-protection

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.

16.12 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

16.13 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

www.firsttrustbank.co.uk/data-protection

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.

17. Complaints

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.

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.

Allied Irish Bank (GB) International Payments Terms & Conditions 7

• 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: complain[email protected]g.uk

Website: www.financial-ombudsman.org.uk

18. Alternative Dispute Resolution

Alternatively, if you disagree with the final response

we have given you in relation to a complaint about an

account opened with us online or a service taken from

us online, you may use the online dispute resolution

platform, which is available on www.ec.europa.eu/odr to

refer the matter to the Financial Ombudsman Service.

You will be able to contact the Financial Conduct

Authority if you think that we have not complied with

the Payment Services Regulations 2017. If the non-

compliance relates to cash machine charging information

or access to a payment account you will be able to

contact the Payment Systems Regulator.

Allied Irish Bank (GB) International Payments Terms & Conditions 8

005 CTS 07/18

Information correct as at 13 July 2018

The AIB logo, Allied Irish Bank (GB) and Allied Irish Bank (GB) Savings Direct are trademarks 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.

business.aibgb.co.uk