Switching your personal current account made easy

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1 Switching your personal current account made easy

2 Introduction Summary of the Key Features of the Account Switching Code Bank of Ireland ( New Bank ) can facilitate all of the steps required in order to switch your account to us. Outlined below are the key features of the Account Switching Code which a member of our staff will take you through. We strongly recommend that you read the detailed information relating to account switching included in this pack. The Code of Conduct on the Switching of Current Accounts with Credit Institutions, effective 1 October 2010 (the Account Switching Code ) applies to Current Accounts denominated in euros held by personal and business customers in the Republic of Ireland, who fall within the category of Consumer as defined by the Account Switching Code. (See Frequently Asked Questions for further details.) If you wish to switch you have two options in relation to your old account: Option A: Close your old account and switch the balance and your active standing orders and direct debits to the new bank/ branch Option B: Switch only your active standing orders and direct debits to the new bank/branch while keeping your old account open Account Opening Phase: our account will be opened provided all of your account opening documentation is in order and your application has been approved AT/ebit Card(s) and chequebook, will be ordered for you, where required ou will receive details of our Terms of Business and the Terms and Conditions; Fees and Charges and Interest Rates that apply to your new account ou must complete a separate application in your new branch/bank if you wish to apply for an Overdraft. If you have an Overdraft on your old account, it must be cleared before you can switch to Bank of Ireland Account Switching Phase: (10 Working ays) uring this timeframe: our new bank will send your completed Account Transfer Form to your old bank our old bank will close your old account (only if you selected Option A) and send you a list of your direct debits and standing orders (if you selected Option A or Option B) our old bank will send us your closing balance (only if you selected Option A), direct debit 1 and standing order details (if you selected Option A or Option B) and will notify the irect ebit Originators 1 of your new account details our new bank will lodge the balance to your new account (only if you selected Option A) and set up your standing orders/direct debits (Option A & B) on your new account Please let us know if you wish to change or cancel any standing order(s). If you wish to change or cancel any direct debit(s) please let both us and the relevant irect ebit Originator know. Select the date in the month that you wish to start the Account Switching phase. We recommend that you pick the first day of a period when there is least activity on your account i.e. avoid pay day or dates when your mortgage/rent, standing orders or direct debits are paid out. We will send your Account Transfer Form to your old bank on the date you have selected. If you are closing your old account (Option A), please refrain from using your old cards or old chequebook once the account switching phase has started. ou should return these old cards and old chequebook to your old bank and they will refund the Government uty on any unused cheques to you. This pack contains some sample letters that you may wish to use to redirect payroll or other credit payments and also contains an Account Transfer Form Additional items enclosed with this pack are: Terms of Business Terms & Conditions Personal Current Account Fees & Charges for Personal Customers brochure Personal Current Account Application Form with details of interest rates Personal Current Account brochure with details of the accounts available to you If you have any queries in relation to opening your new account or wish to make an appointment please contact us: Branch Name: Contact Name: Branch Phone No: Once your new account is opened our Switching Unit will also be happy to assist you with any queries on switching. ou may contact our Switching Unit by phoning or (LoCall rates apply). 1. If you have a SEPA direct debit(s) on your old account with a irect ebit Originator(s) who is operating outside of the Republic of Ireland you will have to notify them of the change to your bank details (your old Bank will not do this). When you advise them, the SEPA irect ebit Originator(s) will then send the details of the direct debit(s) that they have for you to your new bank. Page RU.8(07/12)

3 Switching your current account Switching can occur in two ways into or out of Bank of Ireland or between Bank of Ireland branches. The following steps assume that you are switching into Bank of Ireland, but, if you are switching out of Bank of Ireland you should consult your new bank who will follow a similar process. Easy steps to switching (tick box when complete) Step 1 Come and talk to us Let us know you want to switch accounts and when you want to do this. Our staff at your local branch will help you choose the right package and take you through the application to open your new current account(s). Step 2 Choose the services that are right for you Consider which current account fee option you would like. Our staff will be happy to advise you to ensure you get the best value. We will also set you up for phone or online banking, if you wish. our new account cannot be opened until the application to open an account has been approved. Please note if you require a credit facility on your new account, a separate Overdraft application must be completed. Step 3 Let your old bank know your plans Complete an account transfer form (included at the back of this pack). The account transfer form offers you the option to: A. Close your existing account (s) and transfer your balance and all of your active standing orders and direct debits 1 to your new bank B. Only transfer all of your active standing orders and direct debits 1 from your old bank account(s) to your new bank account(s), while leaving your existing account(s) open A staff member will be happy to help you to complete the form, but please remember to choose the option you require by ticking either A or B and to include the preferred date you want the switching process to commence. Step 4 If appropriate, let people know you are moving To ensure that payments you receive are lodged to the correct account(s): Inform your employer of your new bank account details Re-direct any other regular payments into your new account(s) e.g.child benefits or share dividends etc. ou will find two sample letters at the back of this pack that will help you with this.this way you can be certain that any payments you receive will be lodged into your new account(s). Step 5 Ensure that bills or savings still get paid on time ost of us have direct debits set up to pay our telephone, electricity or gas bills. our old bank will inform these companies (the direct debit originators) of your new account details on your behalf 2. our direct debit originators will change your account details immediately after they receive them and will present the next direct debit, when due, on your new account 3. ou will receive a list of any existing standing orders or direct debits from your old bank. Check these immediately and let us know if there are any changes you want to make to your standing orders. If you want to cancel any direct debits, please advise both ourselves and the relevant direct debit originator. If you have a SEPA direct debit set up with a direct debit originator(s) abroad, you will need to contact this particular direct debit originator(s) yourself to advise them of your new account details. ou will find a sample letter at the back of this pack to help you with this. Step 6 Ensure you have sufficient funds in both your new and old account(s) uring the switching period, you should ensure there are sufficient funds in both your new and old account(s), to cover any standing orders, direct debits, cheques, AT or debit card transactions, plus any fees, charges or interest that may be due on either account. We will send the completed account transfer form to your existing branch or bank on your behalf. 1.etails of direct debits that operate under the Single Euro Payments Area (SEPA see page 5) scheme will be sent to your new bank by the direct debit originator, not by your old bank. 2.irect debits that operate under the Single Euro Payments Area (SEPA see page 5) scheme will be sent to your new bank by the irect ebit Originator, not by your old bank. 3.Please note: irect ebit Originators are obliged to update their records at the earliest opportunity to ensure your future direct debits are presented promptly on your new bank account(s). Page RU.8(07/12)

4 Step 7 If you have opted to close your old bank account(s) Any cheques presented on your old account(s) will not be forwarded to your new bank account(s) after the account(s) has closed. They will be returned to the presenting bank unpaid, marked Account Closed or Account Switched or Account Transferred. Therefore, you should check your cheque stubs against your old bank account(s) to identify any cheques that have not yet been presented for payment. We recommend that you contact the payees of these cheques in order to make other arrangements to pay them and that you retrieve these old cheques from the payees. Step 8 Tidy up your wallet If you have opted to close your old account(s), you should return your old AT or debit card(s) to your old bank as soon as you receive your new bank card(s). Return any unused cheques to your old bank, as you will be due a refund of Government uty. ou have now successfully switched your account(s). Welcome to Bank of Ireland. Frequently asked questions Who does the Account Switching Code Apply to? The Account Switching Code applies to Current Accounts with Credit Institutions denominated in euros held by personal and business customers in the Republic of Ireland, who fall within the category of Consumer*, as defined by the Account Switching Code. *a Consumer is defined by the Account Switching Code as: a) a natural person acting outside their business, trade or profession; b) a person or group of persons, but not an incorporated body with an annual turnover in excess of 3 million (for the avoidance of doubt a group of persons includes partnerships and other unincorporated bodies such as clubs, charities and trusts, not consisting entirely of bodies corporate); or c) incorporated bodies having an annual turnover of 3 million or less in the previous financial year (provided that such body shall not be a member of a group of companies having a combined turnover greater than the said 3 million). How long will it take? When your new account is open and operational the Account Switching process can begin. The Switching process starts on the date you have indicated on your Account Transfer Form and takes ten working days to complete. uring this period, your direct debits and standing orders will be transferred 4. If you have requested your old bank to close your account(s) the balance will be transferred and the old account(s) will be closed during the same ten working days 4. o I need identification? By law 5, we must obtain certain documentation from all new customers. At a minimum, we will need the following documents from you (and from the second applicant if it is a joint account) if you wish to open a new bank account with us: True Name Verification: Any one of: Current Passport* Current riving Licence (Full or Provisional) EU National I Card* Age Card issued by the Gardaí L10 (Confirmation of I) issued by the Gardaí If you are not a resident of the Republic of Ireland, only the documents marked with an * above can be accepted. and Current Permanent Address Verification Any one of the following items of correspondence that you received recently: Utility bill (gas/electricity/landline/mobile phone) that is less than three months old Statement from a financial institution Tax Free Allowance Certificate Revenue Commissioners Balancing Statement Social Insurance document Household/motor insurance documents Some other options may be available to you if you do not have these documents. Please phone us before calling in or ask a staff member and we can answer any questions you may have. Will I be required to sign anything? Our staff will take you through the application for your new account(s). All other forms needed to complete the switch are at the back of this brochure. Each will require your signature. Remember if your account(s) is in joint names we will need everyone s signature to switch. 4.our new and old bank will aim to meet these deadlines but in exceptional circumstances delays may arise which are outside the control of either bank. 5.The Criminal Justice (oney Laundering and Terrorist Financing) Act 2010 and The Taxes Consolidation Act 1997 as amended. Page RU.8(07/12)

5 What happens to my existing account? The account transfer form offers you two options. ou can: A. Close your existing account(s) and transfer your balance and all of your active standing orders and direct debits to your new bank B. Only transfer all of your active standing orders and direct debits from your old bank account to your new bank account(s), while leaving your existing account(s) open Bank of Ireland will inform your existing bank that you want to switch. Once they know you are switching they will send us a list of all your current active standing orders and direct debits 6 (you will get a copy of this too). If you have chosen to close your old account(s), your old bank will then close it on your behalf. Remember, an overdrawn account will not be switched, so if you have an overdraft this must be cleared before you switch. ake sure you leave enough to cover any interest or fees as well as any standing orders, direct debits, cheques, AT or debit card transactions that may be due. If your account(s) is in credit, this amount will simply be transferred automatically. If you have opted to keep your old account(s) open, it will continue to operate in accordance with the terms and conditions of that account. What else can I expect? In addition to this booklet, when you open your new account with us you will receive: A copy of our Terms of Business A copy of the relevant Terms and Conditions for your new account (including the services provided with it) A copy of our Fees and Charges for Personal Customers brochure, including details of the current account fee choices open to you etails of any interest rates that apply to your new Personal Current Account A copy of our Personal Current Account brochure with details of the accounts available to you etails of your new account including the Sort Code and Account Number, the Bank Identifier Code (BIC) and the International Bank Account Number (IBAN). (etails of your IBAN may not be available until the next working day after you have opened your new account in your new bank.) ou can also apply for an AT or debit card or a cheque book when you open your new account provided, of course, that they are available with the account you have selected. ou may also use this opportunity to consider making payments online or by phone. This can save you time and money. Our telephone and online services give you the confidence and flexibility to take care of your banking needs when it suits you. Can I set up new standing orders and direct debits on my old bank account after the existing standing orders and direct debits have been moved to my new bank account? es you can, provided the old account allows new standing orders and direct debits to be set up. ou may find that, for certain companies, a new direct debit cannot be set up in their favour for two months after the switch date, if a previous direct debit in their favour was transferred to a new bank. Should this arise, please talk to the company in question for options to address this issue. Some Terms Explained BIC: Bank Identifier Code The BIC is the unique identification code of a particular bank and is used in conjunction with an International Bank Account Number (IBAN). These codes are used when transferring money between banks. The BIC is printed on the top right hand corner of your account statement. IBAN: International Bank Account Number The IBAN incorporates the account number and codes to identify the country, bank and branch of a specific account. our IBAN is printed on the top right hand corner of your account statement. Standing Order: A Standing Order is an automatic payment of a fixed regular amount from your account, for example, a payment to a savings or loan account. irect ebit: A irect ebit is an automatic way of paying regular bills from your account where the amount to be paid can vary from one bill to another, for example, telephone, gas, electricity, mortgage repayment and insurance payments. The payer authorises the irect ebit Originator to debit their bank account when payments are due. The irect ebit Originator must advise the payer in advance of the first payment of the amount that is due and the date(s) it will be debited. The irect ebit Originator must notify the payer again in advance of any changes to either the amount to be debited or the due dates. irect ebit Originator: An Originator is a company or organisation that is authorised by you to collect direct debits directly from your bank account. Typically originators will be utilities such as electricity, gas and telephone companies and also includes financial institutions, clubs and associations. If you are switching your current account(s) you can request your old bank to provide you with statement(s) of your account(s) for the previous twelve months. Where such statement(s) is not available electronically, your bank will provide one paper copy per account, free of charge. 6.irect debits that operate under the Single Euro Payments Area (SEPA see page 5) scheme will be sent to your new bank by the irect ebit Originator, not by your old bank. Page RU.8(07/12)

6 The Single Euro Payment Area (SEPA) SEPA is the next step towards European integration which aims to make all electronic cross-border payments in euro between the participating countries as easy, inexpensive and secure as national payments within one member state are today. In the SEPA world a customer can make electronic payments to any beneficiary located anywhere in the euro area using a single bank account and a single set of payment instructions. This means that making a payment from ublin to usseldorf will cost the same as making a payment from ublin to ingle and will be processed within the same timeframe. SEPA direct debits operate under the SEPA Scheme with a common level of service within the participating countries. Non-omestic SEPA irect ebit Originators Under the SEPA Scheme, you will be able to pay bills due to irect ebit Originators throughout Europe from your current account in the Republic of Ireland using the SEPA irect ebit Scheme. For instance, if you have a property in Spain, you will be able to pay the bills owing to Spanish utility companies directly from your Irish bank account. However, these irect ebit Originators are not within the scope of the Account Switching Code because they operate outside of Ireland, so you will need to notify them of the changes to your account details yourself. See Letter to Non- omestic SEPA irect ebit Originators later in this booklet for a sample form that you can use to notify these irect ebit Originators. Useful tips Tell us the date you would like the switching process to start. ou should select a date in the month to begin the switch when there is least activity on your account(s). This means you should avoid pay day or the date when your mortgage, or direct debits or standing orders are paid out. Always ensure that there are enough funds available in both your old and new accounts during the switching period, particularly if you have requested your old bank to close your account(s), as there may be fees, charges or interest due on it. If you have opted to keep your old account(s) open, please remember, that both your new and old accounts may be liable for bank charges. Both accounts will be liable for any Government uty on AT or debit cards or cheque books used with them. Take note of your standing orders and direct debit dates so payments are not missed in the switching process. If you choose to close your old account(s), avoid using your old cheque books and bank cards after you receive your new ones. Return the old cheque books and bank cards to your old bank and you will receive a refund of Government uty on the unused cheques. Bank of Ireland is regulated by the Central Bank of Ireland. Page RU.8(07/12)

7 Redirect Credit Payments to New Account PLEASE COPLETE IN BLOCK CAPITALS To: Company name: (your home address) Company Address: ate: 2 0 Request to redirect my direct credit payments to my new bank account y payment reference number: ear Sir/adam, I am writing to you to instruct that all payments due to me after (date) following account: 2 0 be paid directly to the Bank: Branch name: Name of account: BIC: (Bank Identifier Code) Branch NSC: Account number: Thank you for your help. ours faithfully (your signature) (your name printed)

8 Payroll Letter PLEASE COPLETE IN BLOCK CAPITALS To: The Accounts/Payroll epartment Company name: (your home address) Company Address: ate: 2 0 Request to credit my salary to my new bank account y staff/employee number: ear Sir/adam, Please note from (date) 2 0 I wish to have my salary paid directly into the account detailed below: Bank: Branch name: Name of account: BIC: (Bank Identifier Code) Branch NSC: Account number: Thank you for your help. ours faithfully (your signature) (your name printed)

9 Letter to Non-omestic SEPA irect ebit Originators PLEASE COPLETE IN BLOCK CAPITALS To: The Accounts epartment Company name: (your home address) Company Address: ate: 2 0 ear Sir/adam, Please note that my/our bank account details have changed. Please debit payments from my new account from (date) 2 0 as per the details below. Name of Account: Reference number (if applicable): Bank: Branch Name: BIC: (Bank Identifier Code) Thank you for your help. ours faithfully (your signature) (your name printed)

10 Request to transfer details of Phone/Online Banking BANK OF IRELAN TO SEN COPLETE FOR TO OL BANK ARESSES ON REVERSE Customer Name: Customer Address: Home Phone: address: ate of birth: 1 9 Old Bank account(s) set up for Phone/Online BIC: (Bank Identifier Code) Branch NSC: Account type: Account number: Account type: Account number: New Bank account number(s) Register for 365 phone 365 online (tick as required) BIC: (Bank Identifier Code) Branch NSC: Account type: Account number: Account type: Account number: To (my old Bank ) Please arrange to send me/us details of all fund transfer beneficiaries and/or bills set up for payment by phone/online from the above account(s). Please include the following for each item: Name of payee Payee account number/iban and branch code/bic Payer s reference Please send a copy of the details on the back to Bank of Ireland 365, Registration epartment, P.O. Box 365, FREEPOST, ublin 14. Note: For joint account customers separate forms are required for each customer. Thank you Customer signature ate: 2 0 (In the absence of a customer signature - form can be signed / branded by Bank of Ireland staff member with customer consent.) Terms and conditions apply to Bank of Ireland 365 phone and online services. Bank of Ireland is regulated by the Central Bank of Ireland.

11 Bank Adresses AIB Bank AIB Phone/Internet Banking AIB Bank, Time House, Naas, Co. Kildare Permanent TSB Open 24 Permanent TSB Carysfort Avenue, Blackrock, Co ublin Ulster Bank Team Leader Anytime Administration Ulster Bank Ltd, anesfort, Stranmillis Road, Belfast BT9 5UB

12 Account Transfer Form - Personal Customer Name(s) Address: Phone: obile: New account and bank details: BIC B O F I I E 2 N.S.C. 9 0 Branch: Contact: Phone no: IBAN 1 Account No.1 IBAN 2 Account No.2 Bank of Ireland Branch - Send part 1 to Switching Unit. File Part 2 Old account and bank details: BIC IBAN 1 Account No.1 IBAN 2 Account No.2 N.S.C. Option A: I would like my Old Account(s) to be closed Option B: I would like my Old Account(s) to remain open (Please tick one box) To: The anager, Old bank: 1. I/we hereby request and authorise you to prepare and supply to the New bank and to me/us a schedule of active direct debit instruction details (excluding SEPA direct debits) and active standing order details ( the Schedule ) held by you in relation to each of my/our account(s) at your branch as listed above ( the Account(s) ). Please send this list to: Account Switching Unit, BSC, Bank of Ireland, Operations Centre, Cabinteely, ublin 18 and send copy to me/us at the above address. 2. If I/we have indicated above by ticking the box that I/we would like my Old account(s) to be closed, then: i) I/we further request and authorise you to please transfer the remaining balance of my/our account(s) to the new account(s) listed above once all normal procedures for account transfer are completed. Once this transfer is completed I/we instruct you to close my/ our account(s) in your bank. ii) Without responsibility on your part, I/we understand that you will redirect any debit card transactions presented on my/our account(s) after it has been closed to my/our Bank of Ireland account(s). iii) I/we acknowledge that cheques and other items which are presented for payment on my Old account(s) after the date of transfer will be returned unpaid. 3. I/we acknowledge that direct debits presented for payment on my Old account(s) after the date of transfer will be returned unpaid. 4. Please notify the direct debit originators that are located within the Republic of Ireland of all my/our direct debits on my/our accounts as soon as possible after you receive this request. I/we understand that I/we must personally contact SEPA originator(s) outside of the Republic of Ireland and arrange to transfer the SEPA direct debit(s) to my new account. 5. Please indicate preferred date for switching process to commence / /. Customer signature(s) in accordance with Old Bank andate 9 To: The anager, Bank of Ireland 1. On receipt of the Schedule as described above, I/we authorise you to pay direct debits and standing orders as so listed in the Schedule on and out of my/our account(s) with your branch as listed above (and in accordance with the bank mandate(s) applicable to that account(s)). I/we will inform you in writing if I/we wish to amend or cancel any part of this instruction. 2. If I/we have indicated above by ticking the box that I/we would like my Old account(s) to be closed, then I/we further request and authorise you to apply and pay any debit card transactions redirected to you from my/our Old bank, to my/our new account(s) in accordance with the Terms and Conditions applying to my/our account(s). 3. On receipt of the schedule of my/our phone/online banking details from my/our Old bank, please set up the same details on my/our behalf. I/we will contact the phone/online banking unit of Bank of Ireland if I /we wish to make any changes. Customer signature(s) in accordance with New Bank andate 1 The customer(s) must return cards, and chequebooks on the account(s) directly to the Old bank Bank of Ireland is regulated by the Central Bank of Ireland RU.8 (07/12)

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