Zippay is a person-to-person payment service provided in collaboration by AIB, Bank of Ireland, and PTSB. For more details about how Zippay works with your bank, please go directly to your bank's Zippay webpage.

With Zippay, you can send, request, and split payments directly by using a mobile phone number. No need for IBANs or to set up a new payee, the money will transfer between accounts, just like that. Zippay matches your contacts with the details of their participating bank. The processing of Zippay payments will be done by the participating banks.

Go to the Zippay section in your mobile banking app. From there, you can ‘Send Money’, ‘Request Money’, and ‘Split a Payment’.

Zippay is available to anyone who has:

• - registered for mobile banking with your participating bank,
• - a verified mobile number with your participating bank
• - an eligible account with your participating bank, and
• - not opted out of the service.

Participating banks may have additional eligibility criteria. For more details, please go to your bank’s Zippay webpage..

A verified mobile number is one that has been confirmed by your bank as the mobile number associated with your banking account.

If you have changed your mobile number, it is important that you update and verify it with your bank as soon as possible. If you’re with multiple participating banks, please verify your new number with them all. For more information on how to update your mobile number with your bank, please go to your bank’s Zippay webpage..

Yes, Zippay allows payments and requests to be sent to and from international mobile numbers as long as the number is associated with an eligible account of a participating bank.

Zippay uses information from your bank account including your name, verified mobile number, IBAN, and an encrypted combination of your date of birth and mobile number. This information is securely shared by your bank(s). For more information, please refer to your bank’s Data Protection Notice.

If you’d rather not use Zippay, you can leave the service at any time. And, if you change your mind, you can join again. Simple. For further details, please go to your bank’s Zippay webpage..

You can leave and join Zippay at any time. For details on how to leave, please go to your bank’s Zippay webpage.. When you leave, you will no longer be able to send or receive money using Zippay and you will not appear as an available contact in Zippay to other users. Your name will not appear to any contact that you have sent money to previously.

Your default account is one of your existing bank accounts that is automatically nominated to be your main account for Zippay to receive Zippay payments. You can choose to change your default account to another eligible account at any time.

You can change your default account to a different eligible account with the same bank or to an eligible account with a different participating bank at any time. For more details on how to change your default account, please go to your bank’s Zippay webpage..

The Zippay logo will be displayed next to a person’s name in your contact list within your mobile banking app if they are available in the service.

When sending or requesting money, Zippay will show you the masked name of who owns the account you’ve selected. For example, if you’re paying “John Smith”, you’ll see ‘Jo** Smi**’ owns the account. If the masked name doesn’t match the name you expected, you should not go ahead with the payment or request. If you make a payment to the wrong account, your bank may not be able to recover your money for you.

If you do not recognise the person requesting money, you should not pay them. You can decline the request or allow it to expire. If you do not want to receive any further requests from this Zippay user, you can block them in your mobile banking app.

You can block or unblock a Zippay user from sending you payment requests using the ‘Block’ function within your mobile banking app. For more information on how the ‘Block’ function works, please go to your bank’s Zippay webpage.

No, to block a Zippay user from sending you payment requests you need to use the ‘Block’ function within your mobile banking app.

Yes, you can send up to €1,000 per day. The minimum value per transaction is €1. Your bank’s transaction limits may also apply.

Yes, you can request up to €500 per individual request. The minimum value per individual request is €1. You can have up to 30 payment requests open at any one time.

A payment request can be split with up to 30 contacts.

Payment requests that have not been actioned will expire after 30 calendar days.

Zippay lets you send, request and split payments in euros only.

Because Zippay is accessed through your mobile banking app, it comes with all the same high levels of security, protection, and digital safety provided by your bank. For more details, please go to your bank’s Zippay webpage.

For more information about how Zippay works with your bank, you should find everything you need on your bank’s Zippay webpage.