Internet Banking User Guide

If you have any problems whilst using the Internet Banking Service you can click on the Help menu option located on the left hand toolbar, where you will then be taken to the section most appropriate for the page you are using.
If you require further help please do not hesitate to contact us via email at internetbanking@aib.im or call +44 (0) 1624 639639.

• Using the Service for the First Time
  
• View Balances
  
• Viewing Ledgers
• Viewing Statements
• Payee Mandate
  
• Making a Funds Transfer
  
• Daily Maximum Transfer Limits for Internet Banking Transactions
  
• Making a Payment
  
• Ordering a Current Statement
  
• Ordering a Previous Statement
  
• Amending Customer Details
  
• Amending Payee Mandate

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Using the Service for the First Time
1. Click Log on.
2. Enter your Registration number issued by AIB Jersey & Isle of Man.
3. Enter the specified digits of your Personal Access Code.
4. Insert the case-sensitive password chosen when the online registration form was completed.
5. The system requires you to change this password before you can access the Internet Banking system.
6. Please then confirm the new password.
7. Begin using the Internet Banking Services.

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View Balances
1. Choose the Balance option from the left hand tool bar.
2. When accessing your account information the first page viewed is the balances for each account held with AIB Jersey & Isle of Man.
3. This page allows you to choose the specific account that you'd like to view by clicking on the appropriate button to the left of the page.

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Viewing Ledgers
1. Choose the account you wish to view either by selecting the account on the Balance page and then returning to the Ledger page where this specific account will be displayed.
2. Or select the Ledger option from the left hand toolbar and choose the account you wish to view by scrolling down the accounts toolbar and clicking on Go.

The Ledger highlights all completed internet transactions and all other cleared lodgements / payments which have taken place throughout the day. The Ledger also includes all internet transactions waiting to be processed. Information is updated at 18.00 UK local time daily.

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Viewing Statements
1. Choose the account you wish to view either by selecting the account on the Balance page and then returning to the Statement page where this specific account will be displayed.
2. Or select the Statement option from the left hand toolbar and choose the account you wish to view by scrolling down the accounts toolbar and clicking on go.

The Statement highlights all completed internet transactions and includes all cleared and uncleared  lodgements / payments which have taken place throughout the day. Information is updated at 18:00 UK local time daily. The Statement does NOT include any internet transactions waiting to be processed - see Viewing Ledgers.

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Payee Mandate
You have the choice of 10 third party payments that you can make while using the Internet Banking Service.

1. Enter all payment details by choosing a mandate number 1 to 10.
2. Enter the name of the payment recipient.
3. Insert bank details of the payment recipient.
4. Specify the payment type from the choices available in the drop down boxes
5. Enter the currency to be paid and a reference you would like to appear on your statement.
6. Select either Sort Code, SWIFT or ABA Code and then enter the appropriate code in the box provided.

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Making a Funds Transfer
1. Choose the Funds Transfer menu option from the left hand toolbar.
2. To transfer money between your accounts click on the account you wish to withdraw money from and the account that funds are to be transferred to.
3. Then choose either the amount you want to transfer or the exact amount you wish to lodge.
4. Click on Transfer Funds.
5. The system calculates the exchange rate and the exact amount to be transferred.
6. Before the transfer is complete you must enter the PAC digit requested and click on confirm.
7. If you choose to cancel, the system reverts back to the initial transfer page and the original transfer will not be completed.
8. Once confirmed your new balances are shown.

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Daily Maximum Transfer Limits for Internet Banking Transactions

All transactions made via our Internet Banking service have a daily limit of GBP 10,000.00 or currency equivalent.

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Making a Payment
1. Choose the Payment menu option from the left hand tool bar.
2. Select the account the money is to be withdrawn from and the payment destination as specified in your payee mandates.
3. Next, choose either the amount you want to transfer or the exact amount you wish to lodge.
4. There is also the option to make a forward dated payment. This can be done by selecting the day and month the payment is to be made on within a 28-day period.
Note: The amount paid will not be shown on your account information until payment has been completed on the day specified. Forward dated payments may only be made between accounts of the same currency.
5. Click on Make Payment.
6. The system calculates the exchange rate and the exact amount to be paid.
7. Before the payment is complete you must enter the PAC digit requested and click on confirm.
8. If you choose to cancel the system reverts back to the initial Payments page and the original transfer will not be completed.
9. Once confirmed your new balances are shown.

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Ordering a Current Statement
1. Choose the Other Services menu option from the left hand toolbar.
2. Select current statement.
3. Choose the account you wish to order a statement from.
4. Click on Order Statement.
5. A message appears confirming that your statement order has been accepted. Your statement will then be posted to you.

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Ordering a Previous Statement
1. Choose the Other Services menu option from the left hand toolbar.
2. Select Previous Statement.
3. Choose the account you wish to order a statement from.
4. Specify the start and end dates of the statement required.
5. Click on order statement.
6. A message appears confirming that your statement order has been accepted. Your statement will then be posted to you.

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Amending Customer Details
1. Choose the Other Services option from the left hand toolbar.
2. Select amend details.
3. Input the details that are to be changed.
4. Once you are happy that the details are correct you must follow ALL of the following steps:

Click on Print to print the form and Terms and Conditions on your local printer for all parties to sign and post to the Internet Banking Team. At this point you may print the form for your personal copy by clicking on Print again.

Click on email, enabling the form to be sent directly to the Internet Banking Team.

Once you are satisfied that both of these actions have been completed click on Finish to log you out of the Internet Banking secure session.

Note regarding Country of Residence and Country of Domicile
Residence and Domicile have specific meanings in the context of tax planning matters. The impact or recognition of Residence or Domicile status will vary from one jurisdiction to another. Applicants should seek independent tax advice in this regard.

Residence is the country in which you normally reside for tax purposes, usually determined by the amount of time physically spent in the country and your Domicile is your permanent home country which may well be your country of birth, but is not necessarily determined by periods of time spent in that country.

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Amending Payee Mandate
1. Choose the Other Services option from the left hand toolbar.
2. Select Amend Mandates.
3. This option requires you to enter all mandatory payment details.
4. Complete information required for each step.

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