1. Go to 'Zippay' in the 'Pay & Transfer' section of the AIB Mobile app.
2. Select 'Send money’.
3. Choose the person you want to send money to (make sure they have the Zippay logo beside their name).
4. Enter the amount you want to send and continue.
   • We will check the name of who you are sending a Zippay payment to before you send it using Verification of Payee. Before you send a payment, you will receive a masked version of the person’s name for example, the payee’s full name is Joe Bloggs and Zippay will show this as Jo* Blo***.
   • The person you are sending money to may receive a notification from their banking app (if they have notifications turned on) letting them know you've sent them money. This transaction will then appear on their account statement and in their payment log.
   • You can send up to €1,000 per day. The minimum value per transaction is €1. There is a daily limit on how much a customer can pay, no matter what type of payment they make. View more information on transaction limits.

1. Go to 'Zippay' in the 'Pay & Transfer' section of the AIB Mobile app;
2. Select 'Request money';
3. Choose the person you want to request money from (make sure they have the Zippay logo beside their name);
4. Enter the amount you want to request and continue.
   • The person you are requesting money from may receive a notification from their app (if they have notifications turned on) letting them know you're requesting money from them. The pending Request to Pay will appear in their Zippay History log as well as yours.
   • You can ask for up to €500 per request. The minimum value per transaction is €1. There is a daily limit on how much a customer can pay, no matter what type of payment they make. View more information on transaction limits.
   • You can have 30 Requests to Pay open at the one time.

1. Go to 'Zippay' in the 'Pay & Transfer' section of the AIB Mobile app.
2. Select 'Split a payment’.
3. Choose the contacts you want to split a payment with (make sure they have the Zippay logo beside their name).
4. You can evenly split a payment with them or adjust the amount.
   • The contacts you split a payment with may receive a notification from their banking app (if they have notifications turned on) letting them know you're requesting money from them. The pending request will also appear in their Zippay History log as well as yours.
   • You can split payments such as the restaurant bill with up to 30 people at the one time. The maximum amount you can request from each contact is €500. The minimum value per transaction is €1. There is a daily limit on how much a customer can pay, no matter what type of payment they make. View more information on transaction limits.

• You can have 30 Requests to Pay open at the one time.

• Yes.
• If you sent a contact a Request to Pay (make sure they have the Zippay logo beside their name) and they have not yet paid it, you can cancel / decline it from within your Zippay History log in the AIB Mobile app. Click on the request and follow the on screen steps to cancel / decline it. If you cancel / decline a Request to Pay, the person you are asking for money from may receive a notification from their app (if they have notifications turned on) letting them know you've cancelled the Request to Pay. This pending Request to Pay will then appear as cancelled in your Zippay History log.

• No. If your main Zippay account is with another participating bank, the Request to Pay and Split a Payment option in Zippay in the AIB Mobile app will not be available. You can use these options with the bank your main Zippay account is with.
• If you want to change your main Zippay account, please see Q&A ‘How do I change my main Zippay account’

• If your main Zippay account is with another bank, you can still use the AIB Mobile app to send money to your friends and family (make sure they have the Zippay logo beside their name). You can choose which account you'd like to send the money from in the AIB Mobile app. You can respond to payment requests from any bank’s app where you are set up to use Zippay.

• They are showing as an 'unknown contact' because you may not have given Zippay access to your mobile contacts, or they are not in your contacts. You can give access to your mobile contacts in the Zippay section of the AIB Mobile app. For iOS click on 'Zippay' in 'Pay & Transfer' and continue to 'Manage contacts' from the on-screen banner. For Android, click ‘Allow’ for access to mobile contacts on pop up screen.  
• You’ll see the full name of the person in Zippay. However always double check if you are expecting a Request to Pay before you respond to it. If you do not want to respond to the Request to Pay you can always decline it or block the person.

• To see your pending Requests to Pay please make sure you have completed the set-up steps. See 'Do I need to do anything to set Zippay up?' for details on how to set up Zippay. Once you have completed these few simple steps, your pending Requests to Pay will appear in your Zippay History log.

• This is because the person you are asking for money has declined your request.

• This is because the person you’re asking for money has not responded within 30 days. The request will still appear in your Zippay History log. You can resend this Request to Pay.

• If you do not recognise the person requesting money from you, you should not pay them. You can decline the request or allow it to expire. If you do not want to receive any further requests from this person, you can block them in your app.

• Your Zippay History log will show you a list of all completed and pending requests. Sent payments will appear on your account statement as 'ZPAY'. Received payments will appear on your account statement as 'P2P'. Your Zippay History log will be refreshed and deleted if you remove yourself from the service.

• With Zippay, we will check the name of who you are sending a Zippay payment to before you send it using VOP. Before you send a payment, you will receive a masked version of the person’s name for example, the person’s payee’s full name is Joe Bloggs and Zippay will show this as Jo* Blo***.

• To send or request money on Zippay with someone, they must be in your mobile contacts. Newly added mobile contacts will appear in Zippay soon after you've added them.

• Once we start to make the Zippay payment, it cannot be stopped.
• You can still ask us to recall it, and we will try our best for you.
• If it’s too late and the payment has gone through, you can contact the person you are paying and ask them to send you the money back.

• You can block a contact on Zippay either in the AIB Mobile app Settings or within Zippay.

• Go to 'Settings', 'Account Management', 'Zippay' then 'Blocked contacts' to select which contact you want to block. You can unblock contacts here as well.

• You can block a contact by selecting them in your 'Zippay History' or when you receive an incoming Request to Pay. Click on the block function in the top right-hand corner on the next screen.

• You can block a contact and still respond to any requests they’ve already sent you. However, you won't be able to respond to any new requests to pay.

• No. Contacts blocked in your mobile are not automatically blocked on Zippay. You will have to block these contacts in the AIB Mobile app in Settings or within Zippay itself.

Blocking in Settings

• Go to 'Settings', 'Account Management', 'Zippay' then 'Blocked contacts' to select which contact you want to block. You can unblock contacts here as well.

Blocking in Zippay

• You can block a contact by selecting them in your 'Zippay History' or when you receive an incoming Request to Pay. Click on the block function in the top right-hand corner on the next screen.

• You can unblock a saved contact on Zippay in your AIB Mobile app Settings.

Unblocking in Settings

• Go to 'Settings', 'Account Management', 'Zippay' then 'Blocked contacts' and select the contact you want to unblock.

Unblocking in Zippay

• You can unblock a contact when you receive an incoming Request to Pay. Click on the block function in the top right-hand corner on the next screen.

• If there is a pending Request to Pay it will not be automatically cancelled when you block the contact. The Request to Pay can still be completed.
• You can cancel the Request to Pay you've sent to the blocked contact in your Zippay History log or it will expire after 30 days.

• To see what contacts you have blocked on Zippay go to ‘Settings', 'Account Management', 'Zippay' then 'Blocked contacts'.

• If the contact that you blocked is using Zippay with AIB, they will not be able to send or request money from you.
• If the contact that you blocked is using Zippay with another participating bank, they will be blocked from sending you requests to pay but they may still be able to send you money.
• Contacts that you block do not get notified when you've blocked them.
• Blocking a contact on Zippay in the AIB Mobile app does not block them on other participating banks mobile apps.

• If you have switched Zippay off within your AIB Mobile app, you can switch it back on in your AIB Mobile app settings. Go to 'Settings', then 'Account Management', 'Zippay' and select 'Join'.

• Yes. To switch off Zippay please go to 'Settings', then 'Account Management', 'Zippay' and select 'Remove me from Zippay'.

• If you switch off Zippay, your existing Zippay History log will be deleted.

• If you switch off Zippay, your pending Requests to Pay will be cancelled. 

• If you switch off Zippay and join again you will have to block those contacts again.
• When you switch off Zippay you will not be visible on the service.

• To leave the service, please go to 'Settings' in your AIB Mobile app, 'Account Management', 'Zippay' and click 'Remove me from Zippay'.
• When you leave Zippay, the Zippay logo will be removed meaning you will not be identifiable to others on the service and therefore won’t receive any payments.

• This is the account you will use to receive payments.
• You can send money from any account that works with Zippay once you are set up with Zippay.
• You can change your main Zippay account in our AIB Mobile app to another AIB account.

• You can change your main Zippay account to another Zippay account that works with Zippay. Go to 'Settings; 'Account Management', 'Zippay' then 'Main bank account for Zippay' to change it.
• If you are experiencing issues changing your main Zippay account, please call us on 0818 306 001.
• If you have any pending Requests to Pay, you must cancel them before you change your main Zippay account.

• Go to 'Settings; 'Account Management', 'Zippay' then 'Main bank account for Zippay' to check which account of your is acting as your main Zippay account.

Sending money with Zippay

• When you want to send a person money (make sure they have the Zippay logo beside their name) you can choose from any of your accounts (the ones that work with Zippay) to send the money from.
• Even if your main Zippay account is with another bank, you can send money on Zippay from any of your accounts that work with Zippay.

• When a person sends you money on Zippay it will be to your main Zippay account.