2nd level students

2ND
LEVEL
STUDENTS
AIB STUDENT ACCOUNT FOR 2ND LEVEL STUDENTS
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2
WHAT’S IN
HERE
What’s it about
Page 02
Student Account
Page 04
How to open your AIB Student Account
Page 06
Spark Something
Page 08
Ways to Bank with AIB
Page 10
Student Saver Account
Page 12
The Build a Bank Challenge
Page 14
Future ME / Money & Education
Page 15
Terms & Conditions
Page 16
01
WHAT’S IT
ABOUT
Got your eye on something special? You may need
a bank account either to save your money or spend it.
If you are 12 years of age or older and in second level
education our Student Account and Student Saver Account
have been designed with you in mind to make managing
your money really easy!
02
This booklet tells you all you need to know about opening
your very own bank account and all the benefits that come
with it, such as Spark Something, Build a Bank Challenge
and the Future ME programme.
03
HERE’S WHAT
OUR STUDENT
ACCOUNT DOES
Our AIB Student Account is a bank account that lets
you get to your money wherever you are and whenever
you want. It’s your money after all. The account is
designed to fit in with the way you live your life.
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No Maintenance and
Transaction Fees
We don’t charge you anything for using
your account. Normally we call these
charges maintenance and transaction
fees. There are some other fees that may
be charged and you can see what they
are in our brochure ‘A Guide to Fees and
Charges for Personal Accounts’. Pick it
up at any AIB branch or online at
www.aib.ie at the bottom of the
web page.
Get a Debit Card
With your AIB Student Account, you
have the option to get an AIB Debit
Card, which works with a Chip in the
card and a four digit number called a
Personal Identification Number (PIN)
that you will need to remember.You can
use it in shops and restaurants, online,
or over the phone to buy things and also
to take your money out of an ATM.
No Government Stamp Duty
We’ll pay the Government Stamp Duty
on your card. Currently, it’s €2.50 if you
use your card for either ATM / In branch
or for a purchase (in shops, online or over
the phone) and €5 if you use your card
for both. We’ll pay that for you, but if this
changes, we’ll tell you a month in advance.
No Charge for Foreign Money
We won’t charge you commission when
you get cash in a foreign currency or
put it into your account. To avail of this
additional benefit, you must advise staff
at the time of each transaction that you
are an AIB Student Account holder.
These additional financial benefits are
only available on face-to-face transactions
undertaken at the branch and are not
available on any transactions undertaken
at an ATM, AIB Self Service Banking or
through any other electronic means.
You can find out what we would
have charged you in our ‘Schedule of
International Transaction Charges’ at
any branch or at www.aib.ie
€10 Carphone Warehouse
Voucher
When you open an AIB Student Account
between 29 May and 31 October 2015,
you will get a €10 Carphone Warehouse
voucher. This voucher is redeemable at
any Carphone Warehouse store against
phone credit (any operator), handsets
(prepay or postpay) or accessories. You
can also shop with your voucher online
at carphonewarehouse.ie
The voucher lasts for 12 months and is
for students who are 12-18, in second
level education. One voucher per
account, no cash alternative. You get the
voucher by email, so you need to provide
us with a valid email address.
If you are under 16, you will need the consent of a parent or guardian to open
a Student Account or apply for a Debit Card.
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HOW TO OPEN
YOUR AIB STUDENT
ACCOUNT
Step 1
There’s a couple of things we’ll need to get you started
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PROOF OF IDENTITY
PROOF OF ADDRESS
AN EMAIL ADDRESS
To prove who you are you can
bring along:
To prove where you live you
can bring along:
• A Passport, or
• A Drivers Licence, or
• If you don’t have any of
these, call into any branch
and talk to us.
• A letter or bill addressed
to you from a bank or mobile
phone company, or
• A letter from your Parent
or Guardian confirming your
name, address, that you are
in second level education and
living with your Parent or
Guardian. If you are under 16
your Parent or Guardian will
have to come to the branch
to show some of their details.
You need an email address
in order to get your €10
Carphone Warehouse
voucher.
Step 2
Go to any AIB branch
TALK TO ONE OF OUR
STUDENT TEAM
Checklist
• You need to bring the original
documents (no photocopies
please) and any letters or
bills must be dated within six
months
• If you are under 16 you
will have to bring your Parent
or Guardian with you to give
consent to open the account.
We’re here to talk!
Visit www.aib.ie/2ndlevel
Call us on 1890 788 336
(Monday to Friday 8am-9pm
and Saturday 9am-6pm)
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Where will your spark take you?
Everyone has a spark, a special talent or
a burning passion. This is your chance to
use it to spark something amazing. Get
involved in Spark Something and you
could win an exclusive, once in a lifetime
music experience. You could sing with
Jess Glynn, busk with Gavin James, have
Blonde play at your private house party,
plus lots more.
To take part in the Spark Something
experiences you need to be 16 years or
older and have a 2nd Level AIB Student
Account before December 31 2015.
You need to go online to
www.aib.ie/sparksomething and
enter through your Facebook, Twitter or
Instagram account to be in with a chance
to win these extraordinary prizes. If you
haven’t already got an AIB Student Account,
now’s the perfect time to get one!
And... when you open an AIB Student
Account between 29 May and 31
October 2015, you will get a €10
Carphone Warehouse voucher. This
voucher is redeemable at any Carphone
Warehouse store against phone credit
(any operator), handsets (prepay or
postpay) or accessories.You can also
shop with your voucher online at
carphonewarehouse.ie
The voucher lasts for 12 months and is
for students who are 12-18, in second
level education. One voucher per
account, no cash alternative. You get the
voucher by email, so you need to provide
us with a valid email address.
Don’t miss out, go to www.aib.ie/sparksomething and spark
something today.
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WAYS TO BANK
WITH AIB
Phone & Internet
Banking
Need to top up your mobile phone?
Want to know if you have enough money
to purchase that app or download that
track? Need to know if you got paid
from your part time job? AIB Phone
& Internet Banking provides access to
your AIB Student Account all year round.
Register today and be able to check
how much cash is in your account
from anywhere in the world. Visit
www.aib.ie/internetbanking
or drop into any AIB branch to find
out more about AIB Phone & Internet
Banking.
Mobile Banking
It’s easy to be in control of your money
with the AIB Mobile Banking App from
your smart phone. By downloading the
AIB Mobile Banking App and registering
for AIB Phone & Internet Banking you
can securely check your bank account
and transfer funds while on the go. You
can download the AIB Mobile Banking
App at no cost to you* from the Apple
App Store or Google Play Store.
Data charges may apply.
*
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Services Available
• Check your account balances and recent transactions
• Transfer funds between accounts**
• Top up your mobile phone and view previous top ups in the Mobile Top
Up log**
• Report your AIB Credit/Debit Card lost or stolen
• View more detail on incoming and outgoing payments in the Payment Log.
Transaction limits apply. AIB Mobile Banking
customers can only transfer funds and pay bills to
existing beneficiaries already set up on AIB Phone
& Internet Banking.
**
AIB Card Reader
The Card Reader is
a security device that
works in conjunction with your AIB
Debit Card and PIN to generate
unique security codes which are
used to complete certain AIB Phone
& Internet Banking transactions.
Order an AIB Card Reader through
the ‘Manage My Accounts’ section
on AIB Internet Banking or by
contacting one of our Customer
Service Team at 0818 724 724.
Why not visit our Help Centre
located on www.aib.ie where you
will find help and guidance on how
to use the range of services available
to you through AIB.
Me2U
Now you can send money between
phones with the Me2U App.
AIB’s Me2U is secure and easy to use.
It lets you send money securely from
your AIB Debit Card to friends, family
and anyone with a mobile number, as
long as they have a euro Visa card. You
can download the app from the Apple
or Google Play Store. Find out more
on www.aib.ie/me2u
How do I register for Me2U?
Before you can use the app you
need to register for Me2U on AIB
Internet/Tablet Banking. You’ll need
your AIB Card Reader to begin so
make sure you have it handy.
Follow us on social media:
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HERE’S WHAT OUR
STUDENT SAVER
ACCOUNT DOES
Start to save now and by putting aside small amounts
every month you can have money for special occasions
like Christmas, summer holidays or a laptop.
Save as little or as much as you like and
withdraw anytime. Our Student Saver
Account is designed with you in mind
offering great interest rates on balances
up to €1,000. If you are aged 12 to 17 and
would like to open a Student Saver Account
visit www.aib.ie/savings to find out
what you need to bring with you to open a
Student Saver Account in your local branch.
If you are under 16 your parent or guardian
will need to provide a copy of your birth
certificate or the applicable court order
(or other relevant documentary evidence)
as proof of parenthood/guardianship. We
also need suitable documentation to verify
both your identity and residential address.
No maintenance or transaction fees apply
but there may be other service charges. For
details see ‘A Guide to Fees and Charges
for Personal Accounts’.
Would you like to
know more about ways
to save with us?
Visit www.aib.ie/savings
Call us on 1890 788 336
Monday to Friday 8am-9pm
and Saturday 9am-6pm
Or drop into your local
AIB branch
We’re on hand to answer any
questions you may have about
how to start saving, and the
interest rates you’ll receive on
your deposits.
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CHALLENGE
Are you a 4th or 5th year second level
student? Is your school involved in the
annual Build a Bank Challenge?
Every year, schools nationwide take part
in the Build a Bank Challenge where they
set up and run their very own School
Bank with the help of their local AIB
Branch Student Officer and AIB Youth
Ambassador Colm ‘The Gooch’ Cooper.
This is a great learning experience
where you get the chance to design,
brand, promote and run your own local
school bank.
The National Final takes place each April
in Dublin, where there are some great
prizes to be won.
To check out more about the
Build a Bank Challenge go to
www.aib.ie/buildabank
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FUTURE
ME
What is FUTURE ME
all about?
Our Financial Education programme is
an exciting and engaging series of lessons
designed for you delivered by your teachers
during classroom time. AIB provide full
support to participating schools with a
comprehensive teaching pack encouraging
you to plan your future and helping you
with money management skills.
To register your school or for
more information drop into
your local branch and talk to
the Student Officer.
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AIB Student Account Terms and Conditions
1. These terms and conditions (the “Terms and
Conditions”) set out important information in
relation to the operation of your AIB Student
Account. These terms and conditions replace any
other AIB Student Account Terms and Conditions
that may have previously been advertised.
2. These Terms and Conditions are in addition to
and should be read in conjunction with our Terms
and Conditions for Current, Demand Deposit and
Masterplan Accounts, which also apply to your
AIB Student Account. In addition, you should
also read the application form completed by you
when applying for your AIB Student Account and
all other documents referred to in our Terms
and Conditions for Current, Demand Deposit
and Masterplan Accounts (for example, our fees
and charges booklets). These are all additional
conditions. If there is any conflict between these
Terms and Conditions and what is provided for in
the additional terms and conditions, these Terms
and Conditions will prevail.
3. We may also provide other services (for
example, AIB Phone & Internet Banking)
and/or facilities to you in connection with your
Account and these will have their own terms
and conditions. The terms and conditions of
these additional services and/or facilities will
prevail in the event that there is any conflict
between them and these Terms and Conditions.
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Student Account to an AIB Student Plus Account
or another type of current account. The Bank’s
Terms and Conditions for Current, Demand
Deposit and Masterplan Accounts will continue
to apply. On conversion, any benefits, discounts or
special offers that you may have previously been
entitled to as an AIB Student Account holder
will no longer apply. We will advise you at least
two months prior to your AIB Student Account
converting to an AIB Student Plus Account or
another type of current account.
6. The associated benefits of an AIB Student
Account (the “Benefits”) are the benefits,
promotional offers and discounts which you enjoy
when you hold an AIB Student Account and they
are only available to AIB Student Account holders
(although we may, at our discretion, extend the
Benefits to other customers). Any benefits or
discounts that you may have previously been
entitled to, will expire upon you converting to, or
opening an AIB Student Account.
7. We may alter these Terms and Conditions
(including the withdrawal or variation of the
Benefits) from time to time. If any alteration is to
your disadvantage, we will notify you in advance
in accordance with the Terms and Conditions
for Current, Demand Deposit and Masterplan
Accounts.
4. You are eligible to apply for an AIB Student
Account if you are between the ages of 12 and
18 years and in part-time or full-time second
level education in Ireland.
8. Any reference in these Terms and Conditions
to “you” and “your” includes your personal
representatives and successors. Any reference to
“we”, “us” and “our” means Allied Irish Banks, p.l.c.
and includes our successors and assigns.
5. Upon you attaining the age of 18 years, unless
we agree otherwise, we may convert the AIB
Terms and conditions apply. Allied Irish Banks, p.l.c.
is regulated by the Central Bank of Ireland.
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In Branch. On the phone. Online.
1890 788 336 . www.aib.ie/2ndlevel
AIBM/Y2 08/15