Features and benefits

• Easy to use service that is safe, secure and convenient

  Online Banking is an easy, simple and convenient way to manage your finances. 
  Upon registration, you will be issued with two sets of secure numbers, an eight digit registration number and a five digit Personal Access Code (PAC).  You can change your PAC to make it easier to remember.  
  Once the service is activated, you can access our Online, Mobile and Phoneline Banking Services by using these secure numbers.
  When you use our Online Banking (www.aibni.co.uk/onlinebanking), you can be safe in the knowledge our service is secure.

  Secure Messaging	Our Online Banking employs a secure login process. You will be asked to input your registration number, your PAC and then you will need to authenticate using SCA before you will be allowed to view your accounts and complete simple transactions.
  Extended Security	As an additional layer of security, for some of our services, you will be required to validate these transactions with a card reader (if you hold a Visa debit card).

  We understand how important the security and confidentiality of your information is to you.  Your security is our highest priority. For added piece of mind visit our Security Centre on www.aibni.co.uk/securitycentre which provides tips on how to stay safe online.

• View your account balances and transactions

  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 an 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
• Stop paper statements

  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).

• Transfer money or pay bills within the UK

  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.
  

• Manage your Standing Orders and direct debits

  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.
• Apply for a Fixed Rate Personal Loan and Overdraft

  You can apply for a Fixed Rate Personal Loan and you can apply for an Overdraft facility on your Classic Current account.

• Open and manage Regular Saver and Fixed Rate Saver accounts

  You can open a new Regular Saver account or Fixed Rate Saver account online – it’s quick and easy.
  You can also manage these accounts online. You can:

  Regular Saver account

  Fixed Rate Saver account

  View or Amend Savings Payment Close your account

  Amend Maturity Instruction, including request to close at the end of the term  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.

   

• Manage your cards

  If you hold a Visa debit or credit card, you can:

  Visa debit card	Credit card
  Order a PIN reminder Report your card lost or stolen Freeze or unfreeze your card	Add this card to view your transaction and bill details Order a PIN reminder Order a replacement card Change your credit card address Request a credit limit increase or decrease Report your card lost or stolen Freeze or unfreeze your card

• Manage your 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.

  To receive Alerts we will use the mobile telephone number held on file for you.  For more information on Alerts and how to set up a Balance Alert, click here.

• Update ‘My Details’

  You can now view and update your telephone numbers and email address at any time through Online Banking.  You will need your Card Reader to update your telephone numbers.

  If the address we hold for you is incorrect, please call Phoneline Banking on 0345 793 0000^†, log in and press zero (0) to speak to a Customer Service Adviser.  Our advisers are available Monday - Sunday 09:00 - 17:00 (including Bank Holidays) and will be happy to change your address.  You will need your Card Reader to complete this process.