Payments Data Protection

Transfer and disclosure of personal information in Payment Instructions
In line with international standards, regulations in Jersey and the Isle of Man require financial institutions to disclose information on the sender of a payment in cross-border payment messages to assist law enforcement to investigate terrorism and other serious crime. Similar regulations are also in force in the member countries of the European Union.

When you instruct AIB Bank (CI) Limited to make any electronic payment, we will automatically disclose your name (and the name of any other account holders if a joint account), your address and account number to the beneficiary bank and to any bank or other service provider including, but not limited to, SWIFT and BACS, that is involved in the execution of the payment instruction. This may mean that your personal information will be transferred outside Jersey, the Isle of Man and the European Economic Area to countries which may not necessarily provide an equivalent level of data protection. Each of these banks or service providers may process this personal information for the purposes of complying with applicable laws, including anti-money laundering and anti-terrorism laws, and may disclose it to governmental authorities, or similar, whether in Jersey, the Isle of Man or elsewhere as necessary for those purposes. By instructing AIB Bank (CI) Limited to make a payment you confirm that you agree to the processing and transfer of your personal information as described above and that you are authorised to instruct us to process, disclose and transfer personal information relating to the other named individuals on the account.

We make (and receive) international payments and CHAPS payments through AIB Group's membership of the Society for Worldwide Interbank Financial Telecommunication (SWIFT), which processes payments on behalf of financial institutions worldwide. All transactions processed by SWIFT are replicated in a backup system ('mirror site') in the United States of America (US). In compliance with official subpoena(s), personal information and transaction data held in the US 'mirror site' may be disclosed to the US or other authorities for the purposes of combating terrorism and other serious crime. Therefore, your personal information in your Payment Instruction, the details of the beneficiary of the payment and any other information that you provide to us in order to effect an international or CHAPS payment, could potentially be disclosed to the US authorities. By giving AIB Bank (CI) Limited a Payment Instruction for an international payment or CHAPS payment, you consent to such disclosures.