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Frequently Asked Questions

eStatements

Sign up for eStatements, to eliminate clutter and reduce paper waste.

You can now sign-up and view your Credit Card statements online using AIB Internet Banking instead of receiving paper statements by post. When you sign up for eStatements, you can also take the opportunity to set up a Direct Debit online. This is an easy and convenient way of paying your Credit Card bill. If you have a Direct Debit set up already, you will not be offered this option.

To access eStatements,
Log into AIB Internet Banking
Select your Credit Card from the drop down - you will find the eStatements option on this screen.

Questions

Answers

What are eStatements?

An eStatement is a replica of your Credit Card statement although for data security purposes your personal details have been removed and your full Credit Card number will not be displayed.

eStatements are displayed in Adobe PDF format. You can print or save your eStatement, using your home or work computer. Make sure that if you do save your eStatement on your computer, that it is in a folder that only you can access. You should not save an eStatement to a computer that other members of the public have access to.

By opting to receive eStatements you are agreeing to accept the eStatement terms and conditions of the service. It is your responsibility to check online for your most recent Credit Card statement.

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What does signing up for eStatements mean?

Once you have signed-up for eStatements, you will no longer receive paper Credit Card statements by post, instead you can view your Credit Card statement online using AIB Internet Banking. You will be responsible for viewing your recent statements by logging into AIB Internet Banking.

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Is there a cost associated with receiving eStatements?

There is no charge for signing up for eStatements.

When you sign up for eStatements, you are switching your agreed method of delivery from paper to online.

If, subsequently, you request a paper statement to be sent to you by post it will be a copy or duplicate statement, and will incur a fee.

Click here for more information on Credit Card Fees and Charges.

It is unlikely that you will ever have to order a duplicate paper-based statement though, as you can access up to 12 months of your eStatement archives using AIB Internet Banking, (with the earliest statement going back as far as the 20th October 2006) free of charge.

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What terms and conditions apply?

Click here to view the eStatement terms and conditions.

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How do I sign up for eStatements?

You will need a Code Card to sign up for eStatements.

  1. Log into AIB Internet Banking and select your Credit Card from the drop down menu.
  2. Select the "Click here to sign-up for eStatements" link to access the set-up screen.
  3. Once you have read the Terms and Conditions, and completed the information required, click the "continue" button.
  4. You will be asked to confirm that you wish to sign up for eStatements by entering a code from your Code Card, enter the requested code, then click the "confirm" button.
  5. You will then be returned to the balance screen with a message to confirm that you have been successfully set-up.

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Will I continue to receive my paper statement in the mail if I sign up for eStatements?

Once you have signed-up for eStatements your paper Credit Card statement will no longer be posted to you. You will be able to view your Credit Card statement online using AIB Internet Banking.

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How will signing up for eStatements affect my payment due date?

Your payment due date will remain unaffected by signing up for eStatements. It will continue to be clearly displayed on your eStatement and you must continue to ensure that you make your payment in sufficient time to be received by this date.

You will have the option to set-up a Direct Debit online, to pay your Credit Card bill, when signing-up for eStatements unless you have a Direct Debit set up already.

When setting up a Direct Debit online to pay your Credit Card bill, you should check to see when your next payment is due. You can find this payment due date on your most recent statement. If your current payment due date falls within the next 2 business days then your current payment must be made by an alternative method. The new Direct Debit will not take effect in time for this payment. If your payment due date is more than 2 business days from the date you set-up the new Direct Debit online, then your current payment will be made by Direct Debit.

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How do I go back to receiving paper statements in the post instead of eStatements?

If for any reason you want to revert back to receiving Credit Card statements by post then you can do so by contacting AIB Credit Card Centre on 01 6685500 or outside Ireland +353 1 6685500.

Once you have reverted back to receiving paper statements you will no longer be able to access your eStatements online, so you may wish to print your old eStatements, before reverting back to paper, so that you have a copy.

Paper statements will be posted to your last recorded postal address so make sure that your address is correct, and notify us if you have changed address.

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Will my eStatement look the same as my printed statement?

eStatements are a replica of your normal paper statement although for data security purposes your name and address details (and if applicable, your Authorised User's name) will be removed and your full Credit Card number is not displayed - only the first 6 and the last 4 digits are shown.

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How do I view my eStatement?

Viewing your eStatements is easy!

  1. When you log onto AIB Internet Banking, select your Credit Card account from the drop down menu, on the transactions screen, then select the "Click here to view your Credit Card eStatement(s)" link.
  2. A screen listing the available eStatements will be displayed to you. To view a particular eStatement click on the link (the statement date).
  3. The eStatement will be opened in a new window in PDF format.
  4. Once you have finished viewing your eStatement, you must close the eStatement browser window - it will not automatically close when you log out of AIB Internet banking.

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How do I print or save my eStatement?

eStatements are displayed in Adobe PDF format and you can print or save them using your home or work computer. Make sure that if you do save your eStatement on your computer, that it is in a folder that only you can access. You should not save an eStatement to a computer that other members of the public have access to. When printing your eStatement make sure that you keep the paper version secure.

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What is pdf Format?

PDF is the format used to display eStatements. If you don't already have the Adobe Acrobat program on your computer, you will have to download it. This program makes sure that your eStatement displays correctly every time. For more information on downloading and using Adobe Acrobat please refer to the Adobe website.

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Is special software required to view my eStatement online?

Your eStatement will be presented in PDF format, to view this you will need Adobe Acrobat Reader. To find out more about Adobe Acrobat visit the Adobe website.

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Is my eStatement secure?

eStatements are displayed in Adobe PDF format and you can print or save them using your home or work computer. Make sure that if you do save your eStatement on your computer, that it is in a folder that only you can access. You should not save an eStatement to a computer that other members of the public have access to.

When printing your eStatement make sure that you keep the paper version secure.

Once you have finished viewing your eStatement, you must close the eStatement browser window - it will not automatically close when you log out of AIB Internet banking.

In some versions of Internet Explorer, PDF documents are not cleared from the temporary cache so a cached document may remain on the computer – to remove this you should clear the browser cache unless it clears automatically.

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How do I set-up a DD when signing up for eStatements?

You will require a Code Card to sign up for eStatements and set-up a Direct Debit to pay your credit card bill. When you are signing-up for eStatements, if you do not already pay your credit card bill by Direct Debit then you will also be offered the option to set this up online.

  1. When signing-up for eStatements, click on the "Yes" option to set-up a Direct Debit, then click "continue" to access the Direct Debit set-up screen.
  2. Once you have completed the required information, click the "continue" button.
  3. You will be asked to confirm that you wish to sign-up for eStatements and set up a Direct Debit by entering a code from your Code Card, enter the requested code, then click the "confirm" button.
  4. You will then be returned to the balance screen with a message to confirm that you have been successfully set-up.

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Can I set up a DD later?

Once you have been set-up for eStatements, if you do not already have a Direct Debit in place to pay your Credit Card bill, then you will be given the option to set this up online. You will need a Code Card to do this.

  1. Select the "Click here to set-up a monthly Direct Debit to pay your credit card bill" link to access the Direct Debit set-up screen.
  2. Once you have completed the required information, click the "continue" button.
  3. You will be asked to confirm that you wish to set-up a Direct Debit by entering a code from your Code Card, enter the requested code, then click the "confirm" button.
  4. You will then be returned to the balance screen with a message to confirm that you have been successfully set-up.

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What is DD Plus?

DD Plus (Direct Debit Plus) means that, as a customer of AIB, you can sign up for a Direct Debit using methods other than a paper mandate form, for example by using the Internet or telephone.

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What is the Direct Debit OIN?

When signing up for Direct Debits online, the OIN is displayed on the screen for information purposes only. The OIN is the Direct Debit Originator Identification Number, a 6-digit reference number assigned to AIB under the DD Plus scheme and used to identify AIB as the originator when processing Direct Debit payments.

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What is the Direct Debit Guarantee?

The Direct Debit Guarantee
This is a guarantee provided by AIB as a member of the Direct Debit scheme, in which banks and Originators of Direct Debits participate.

If you authorise payment by direct debit then:

  • Your Direct Debit originator will notify you in advance of the amounts to be debited to your account
  • Your bank will accept and pay such debits, provided that your account has sufficient available funds

If it is established that an unauthorised Direct Debit was charged to your account you are guaranteed a prompt refund by your bank of the amount so charged.

You can cancel the Direct Debit instruction by writing to your bank in good time or alternatively you may contact us by telephone at 01 6685500.

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How do I cancel a Direct Debit?

You can cancel the Direct Debit instruction by writing to your bank in good time or alternatively you may contact us by telephone at 01 6685500.

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How to order a paper copy?

You can print your eStatements using your own computer and printer, or if you would like a paper version to be issued to you by post you can order one by contacting AIB Credit Card Centre on 01 6685500 or outside Ireland +353 1 6685500. This will be a copy or duplicate statement, and will incur a fee. Click here for more information on Credit Card Fees and Charges.

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How long before I can view my eStatements?

Once you have signed-up for eStatements you will be able to view your most recent statement online immediately. Up to a max of 12 eStatements can be viewed online (back as far as 20th October 2006).

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For how long will my eStatement be available to view online?

A maximum of twelve of your eStatements will be held for viewing online at any one time. Your eStatements will be displayed as a list of links, from which you can click to view the eStatement of interest to you. When the list shows the maximum of 12 statements and a new statement is made available, the oldest will be removed and the most recent will be added to the list. In this way you will see the most recent up to a maximum of twelve - for statements issued after 20th October 2006.

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What if I need to see past statements?

A maximum of twelve of your eStatements will be held for viewing online. If you require a paper version of an older statement to be issued to you by post you can order one by contacting AIB Credit Card Centre on 01 6685500 or outside Ireland +353 1 6685500. This will be a copy or duplicate statement, and will incur a fee.

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How can I make my payment?

When signing-up for eStatements you also have the option to set-up a Direct Debit to pay your Credit Card bill unless you already pay by Direct Debit. As you will no longer receive your paper statement in the post it is recommended that you sign-up for payment by Direct Debit. Alternatively you can pay your Credit Card bill by clicking on the Bill Pay link in AIB Internet Banking or via the Automated Self Service option by phoning 1890 24 24 24 - you will need to use a code from your Code Card to complete these.

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How will I know when my eStatement is available to view online?

As you will no longer receive your Credit Card statement in the post when you sign-up for eStatements, it is your responsibility to log into AIB Internet Banking and check for your latest statement.

When your latest eStatement is available for viewing online, a message will appear at the top of your Credit Card Transactions screen.

To access this screen, login to Internet Banking and select your Credit Card from the drop down menu. This message will inform you that your most recent eStatement has not yet been viewed and the message will be displayed each time you go to this screen until you view the eStatement. Once you have viewed the eStatement the message will no longer display until your next eStatement is available for viewing.

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How do I receive inserts that were previously posted to me with my paper statements?

As you will no longer receive paper Credit Card statements by post, you will no longer receive inserts in the post. These inserts will be made available on the AIB Personal Finance website, which you can access by going to www.aib.ie.

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Can this service be withdrawn for any reason?

AIB can, if necessary, suspend your access to eStatements during which time you will revert to the previous arrangement of receiving paper Credit Card statements by post until further notice. These will be posted to your last recorded postal address so make sure that your address is correct, and notify us if you have changed address.

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Why can I not see the link to sign-up for eStatements?

The eStatements service is available to primary cardholders on most AIB Credit Cards; however it is not available to authorised users and may not be available for your particular type of Credit Card.

For more information contact AIB Credit Card Centre on 01 6685500 or outside Ireland +353 1 6685500.

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Why can I not see 12 statements?

Online Statements will only be available for statements issued after October 20th 2006. The most recent of your statements since that date, up to a maximum of twelve statements, will be available for viewing online.

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