Payment Instructions

Receiving an incoming payment to your account
The sending bank will require your account name, account number (for euro payments from EU member states your IBAN and BIC) and the Correspondent Bank Details for the currency in which the payment will be made. Your International Bank Account Number (IBAN), Bank Identifier Code (BIC) and branch Sort Code are printed on your bank statements and deposit confirmations.  Please provide all of these details to the person who will be sending the payment to you. Payments originating in Canada (or passing through Canada) will also require your full address details to be quoted as the receiver (beneficiary) of the funds. For information regarding Correspondent Bank Details, IBAN and BIC please refer to the links on the left. You can also use our payment instruction forms which can be downloaded through the link at the bottom of the page.

Instructing us to make an outgoing payment
Your payment instruction must contain the name and account number of the beneficiary of the payment, the full name and branch of the beneficiary bank and its Sort Code for domestic (sterling) payments by BACS or CHAPS, or its Bank SWIFT Code/ BIC for international payments. If you are making a payment in euros to EU member states, the account number quoted must be the beneficiary's IBAN and the bank code must be the BIC of the beneficiary's bank. International payments to Canada also require the full beneficiary address details to be quoted. For information regarding the requirement to use IBAN and BIC codes when sending euro payments please refer to the link on the left.

Note: If you do not provide us with all of the necessary details, we might not be able to process your payment in a timely manner.

Acting on your instruction
Please note all payment instructions are processed on business days which are Monday to Friday, excluding UK and local Bank Holidays. Manual payment instructions received by us before 11.00 UK local time will usually be processed on the same day. Manual payment instructions received after this time will be processed as soon as possible.  Internet banking payment instructions received by us before 15.00 UK local time will usually be processed on the same day. Internet Banking payment instructions received after this time cannot be processed until the next business day.

Payment timescales

Domestic payments                                                      International payments
BACS (sterling)   -  3 working days                            SWIFT (most currencies)   -   up to 3 working days
                                                                                           CHAPS (sterling)  -  same day value

Please note that the payment timescales also depend upon Bank Holidays and the internal processing times of any correspondent bank and the beneficiary bank, and AIB Jersey & Isle of Man will not be responsible for any resulting delay.  In addition, if your payment requires a foreign exchange transaction, the foreign exchange deal may delay your payment in some circumstances.

Transfer and disclosure of personal information in Payment Instructions – refer to the Payments Data Protection link on the left.

Click on the button below to download our payments instruction forms. Please note that any information sent via the internet may not be secure. We have taken all reasonable steps to exclude viruses from this file, but we cannot guarantee such exclusion and you should therefore take appropriate steps in respect of any such risk.