The Direct File Submission (DFS) service is available to businesses that wish to submit large payment files directly to AIB rather than uploading them via iBusiness Banking. The DFS service is available for SEPA Direct Debits (SDD), SEPA Credit Transfers (SCT) and Multi-currency Credit Transfers (MCY)



Automated and reliable file delivery with the facility to schedule regular payment runs
A security-rich channel that keeps customer information private and supports internal compliance requirements

High performance that caters for everything from high volumes of small files to multi-gigabyte files.

AIB currently supports two channels for Direct File Submission:

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    Using this channel, customers can exchange files with AIB via Secure File Transfer Protocol.  This is a direct connection that requires you to have a secure internet facing transmission service capable of SFTP.

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    IBM Connect: Direct

    IBM Connect:Direct is third party software which facilitates security-rich, direct point-to-point file transfer between you and AIB. Connect:Direct is optimised for use by high volume payment originators such as utility providers, government departments and companies in the financial services sector. An additional benefit is that there is automatic recovery of files in the event that scheduling is interrupted.

    Connect Direct offers the use of the Secure Plus+ add-on which provides a strong level of application-layer encryption and the extra authentication options STS (Standard Transfer Specification), SSL (Secure Sockets Layer) and TLS (Transport Layer Security). This will work in tandem with any network layer encryption already in place. All three authentication options involve exchange of encryption keys between the two parties, with SSL and TLS requiring signature by a third party as a further proof of identity.

    How does the process work?

    1. Your systems push payment files to AIB in the required format (SDD, SCT or MCY) via DFS.

    2. As soon as the file is processed AIB pushes a confirmation / PAIN.002 response file back to you indicating the acceptance or rejection of the file. This initial validation is at file level only. It is based on adherence to correct formats, dates, cut-off times, valid OIN, Nominated Account details, Limits etc.

    3. Overnight AIB pushes a second PAIN.002 file to you providing details of any payments rejected at transaction level. Files are only generated where rejects/returns exist for that file on that date.

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A standard once off set-up fee of €10,000 and a €250 quarterly fee applies for new DFS customers. A standard quarterly fee of €250 applies for the Multicurrency Payments file. Please find details of AIB's standard Business Fees and Charges here and standard International Transaction Charges here.


If you are already a DFS customer and want to view our cut-off times, please click here.


Talk To Us

For further information please contact our Cash Management team at or call us directly at +353 (0)1 6417311.

Related Products

Payment Files

A service that allows you to upload both domestic and international payments within a single file.

SEPA Direct Debits

A fast and efficient way to collect your fixed and variable payments.


Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland