Notice to AIB Phone and Internet Banking customers about changes to our terms & conditions

4. Third Party Providers

4.1  You may consent to the following third parties accessing your Account online (for example, to make payments or to obtain information about balances or transactions on your Account):

4.1.1  third parties listed on our website (www.aib.ie) as being fully approved by us; or

4.1.2  third parties that are appropriately registered or authorised as “Account Information Service Providers” and/or “Payment Initiation Service Providers” in accordance with PSD2.  For further information, you should check with the Central Bank of Ireland.

4.2  If you consent to a third party accessing your Account online that is not approved by us or appropriately registered or authorised in accordance with Condition 4.1, we will not be liable for any loss you suffer as a result.

4.3  Before you consent to a third party accessing your Account online, you should inform yourself as to the degree of access you are consenting to, what Account information that third party will have access to and how your Account information will be used and who it may be passed to.

4.4  Where you consent to a third party accessing your Account online in accordance with this Condition 4, the following applies:

4.4.1  the third party cannot access your Account if our AIB Internet Banking service is unavailable. Please see Conditions 19 and 20 for more information;

4.4.2 the third party will have access to the same information in relation to your Account as you would if you were to access the Account on AIB Internet Banking. Please see Condition 8 for more information; 

4.4.3 you are usually entitled to withdraw such consent but this may not be always be possible (for example, where we have started to process a payment, you cannot withdraw your consent to initiate that payment).  To withdraw your consent, you must follow our procedures as well as those of the third party and, if you have any concerns in relation to the security of your Account, you must contact us without undue delay in accordance with Condition 2; 

4.4.4  to the extent permitted by law or regulation and subject to any right to refund you may have under your Account Conditions, we are not responsible for anything that the relevant third party does or does not do (for example, if they suspend or terminate your use of their service) or for any resulting losses.  We are also not responsible for, or a party to, any agreement that you enter into with any relevant third party. You should make sure that you read and comply with such agreement or other policies and obligations and this Agreement will continue to apply (for example, the third party may charge you fees in relation to your use of their service and such fees will be in addition to any fee we may charge).

4.5 Where we consider it appropriate, we may deny any third party access to your Account online for any valid reason (for example, for the prevention of fraud, money laundering or terrorism). Where we do so, we will let you know either in writing, via AIB Internet Banking (for example, in your payment logs or My Messages), over the phone or by email.  Where possible, we will tell you our reason(s) for doing so, unless restricted by law or security reasons.