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AIB Business Start-up Package

Who is it for?It’s designed for start-up businesses who are in operation less than 3 years and are opening a Business Start-up Current Account for the first time. Charities, Clubs and Associations and Incorporated Societies cannot avail of this account.

What does it offer? 2 years FREE current account maintenance and transaction fees, (excluding cash handling fees)

Up to €100 discount off quarterly cash handling fees

Free access to Internet Banking for Business giving you access to your banking on your desktop, tablet or mobile

2 years free iBB subscription for businesses that need higher value payments or who require more than one authorised signature.

Your Everyday Banking The Business Start-up Current Account.

Fee free offer2 years free current account offer applies to your day to day account transactions.

See fees as described under the heading Account Fees at A. and B. in the ‘Business Fees and Charges Booklet’. It does not include the waiving of any charges such as Service charges, International Payments charges, Government charges and stamp duty. Other charges may apply, see the Bank’s ‘Business Fees and Charges’ and ‘Schedule of International Transaction Charges’ booklets.

How to apply: visit www.aib.ie/startup to book an appointment with the Business Customer Advisor in your local branch.

Helping you from the startIt takes bravery to start and grow a business and at AIB we’re backing brave. Our Business Start-up Package offers you all the daily banking products you need to get set-up, and the supports and tools you need to grow your business.

2 years maintenance and transaction free banking (plus up to €100 off your quarterly cash handling fees)

Credit products

Free access to Internet Banking on desktop, tablet and using our mobile app

MyBusinessToolkit(Plan HQ, Sage, B-online, Receipt Bank and Mozypro) for a discounted price of €15 per month

AIB Start-up AcademyIncludes a national competition with Irish Times and start-up bootcamps

185 advisors185 Dedicated Business Customer Advisors in our branches

Business Brief ezine

Start-up

Extended hoursExtended opening hours with our dedicated Direct Banking Business Team

Free access to Internet Banking for Business

Who is it for?Small single user business customers who want to access and manage their finances online, and who do not need to make or receive payments in a foreign currency.

What does it offer? Free to access secure internet banking where you can manage your finances across multiple devices

Make daily domestic and international payments up to €30,000

Set up automated payments for up to 10 employees

Cancel standing orders and direct debits up to 8pm for next day action

View 24 months of statements.

Go to www.aib.ie/businessonlinebanking to help you choose the right internet banking option for your business.

No registration or subscription charges apply to the AIB Internet Banking service. Service charges and International Payments charges may apply. See ‘Business Fees and Charges’ and ‘Schedule of International Transaction Charges’ for further details.

iBusiness Banking (iBB)If you need to make international payments, pay more than €30k in one transaction, and need access for multiple users then iBB is the online platform for your business.

Find out more on www.aib.ie/register or www.aib.ie/iBB

We know that running a business is not just 9 - 5, it’s evenings and weekends also. So we have a dedicated SME team available from 8am - 9pm Mon-Fri and from 9am - 6pm on Saturdays. Call 1890 47 88 33.

Government Stamp Duty applies. Currency Conversion Fees and Commission Charges will apply if you use your Debit Card abroad. See the Bank’s ‘Business Fees and Charges’ booklet.

The Business Visa Debit Card

Who is it for?Business Debit Cards are available to authorised signatories on the AIB Business Start-up Current Account, where the account mandate allows one person to sign.

What does it offer? It can be used instead of a cheque, saving time, but also gives you more flexibility because you can buy goods and services over the phone, by post and online

You can withdraw up to €600 daily from an ATM

You can make contactless transactions (up to €30).

And there’s more…We have a range of credit cards, payment solutions and discounted business loans to match your business needs. Go to www.aib.ie/startup to find out more.

Lending terms and conditions apply.

We’re Backing Start-upsOur Start-up Package is designed to help you in those vital early years. As well as helping you with your finances, we’ve also teamed up with great partners to bring you support programmes and tools designed to help your start-up business succeed.

AIB Start-up Academy, in association with the Irish Times

We developed The AIB Start-up Academy with the Irish Times to give start-ups access to industry leaders and mentors so they can be inspired to grow their start-up into a successful business. This year marks the third year of the AIB Start-up Academy and we want more start-ups to get first-hand experience of the great learnings and exposure their start-up businesses will receive. In September we’ll be opening up the AIB Start-up Academy competition for applications to win a place on the intensive training programme with Irish Times. Keep an eye on www.aibstartupacademy.ie for details.

AIB Start-up Academy Bootcamps

We know you are really excited about your new business, spending all your time focusing on getting set-up and your time for financial planning and planning for growth is limited. We have partnered with The Entrepreneurs Academy to offer a series of free bootcamps in your local area on topics that will help your business to survive and grow, e.g. financial planning and how to use digital channels to grow profitability.

Keep an eye on www.aib.ie/startup for details.

Stay in touch with our monthly Business ezine – Business Brief Business Brief is our FREE monthly newsletter designed specifically for Irish SMEs. To receive Business Brief every month, simply visit www.aib.ie/BusinessBrief and complete your details.

This gives you a flavour of the key supports we offer to our start-up customers. Find out more on www.aib.ie/startup

MyBusinessToolkitA service provided by BCSG

We are offering MyBusinessToolkit to all our business start-ups for €15 a month, which is an 80% discount on the market price.

*MyBusinessToolkit is a service provided by BCSG (Ireland) Limited. BCSG is a separate legal entity from Allied Irish Banks, p.l.c. and its subsidiaries. Allied Irish Banks, p.l.c. is acting as an introducer to BCSG (Ireland) Limited in relation to the provision of MyBusinessToolkit. MyBusinessToolkit is available to all AIB customers only. Customers who subsequently close their AIB account will no longer be able to avail of the MyBusinessToolkit services.

Please note that the provision of this service is not regulated by the Central Bank of Ireland.

MyBusinessToolkit

A suite of 5 cloud based applications to help you manage and grow your business including:

• Plan HQ – a market leading planning tool

• Sage – an accounting and payroll package

• B-online – a website builder which allows you to sell online

• Receipt Bank – records your expenses and exports them into your sage package

• Mozypro – provides backup for all your data.

Definitions in these conditions:

• ‘Account’ means the Business Current Account opened for the Business Start-up Customer.

• ‘Bank’ means Allied Irish Banks, p.l.c.

• ‘Booklet’ means the Bank’s booklet entitled ‘Business Fees and Charges’, available in all Bank branches and on the Bank’s website.

• ‘Business Start-up Customer’ means a person, persons or corporate entity, who is starting up a business where an Account is being opened for the first time with the Bank for the purpose of operating this new business.

• ‘Offer’ means Account Maintenance Fees and Account Transaction Fees (as described under the heading Account Fees at A. and B. in the Booklet) will be waived for two years from the date the Account is opened, excluding cash handling fees. Cash handling fees incurred up to a maximum discount of €100 per fee quarter will also be waived for the two year period. The Offer does not include the waiving of any charges such as Service Charges, International Payments charges, Government charges and stamp duty. Other charges apply, see the Booklet and the Bank’s ‘Schedule of International Transaction Charges’ booklet.

Terms and Conditions

1. The Offer is available to Business Start-up Customers who apply for the Bank’s Business Start-up Current Account Fee Offer at Account Opening by ticking the relevant box on the Account opening form.

2. The Offer will be for a period of two years (or such longer period as the Bank may allow) from the date of Account opening. This period will cover eight completed fee quarters as described in the Booklet.

3. The Offer and associated benefits shall be withdrawn immediately on closure of the Account by the Business Start-up Customer or the Bank, or, conversion of the Account by the Business Start-up Customer during the two year period from the date the Account is opened and the fee benefits for the whole of the last quarter shall be lost. The benefits of the Offer shall not apply to any new product.

4. At the end of the Offer period, the Bank’s standard fees and charges will apply to the Account.

5. These conditions may be altered from time to time by the Bank; any such alteration shall be effective and binding on the Business Start-up Customer two months after notice of same has been advised to the Business Start-up Customer (other than an alteration in the fees and charges – which will be effective from the date specified in the pre-notification), by post or by advertisement published in at least one national daily newspaper or by such other means as the Bank may decide.

6. The Bank reserves the right to amend, withdraw or terminate the Offer at any time, but without affecting the entitlement of Business Start-up Customers who have already availed of it.

Terms and Conditions apply. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.

Business Start-up Current Account Fee Offer Terms and Conditions

Branch. Phone. Online.Call 1890 47 88 33Visit www.@aib.ie/startupor Drop in to any branch.

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