Ulster

1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, Ulster Bank Ireland DAC (Ulster Bank).  The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy notice ulsterbank.ie/privacy. It’s important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we’ll give you a copy. You can also find them at ulsterbank.ie/mobileterms.

1.2 If you have any questions about these Terms, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI).  If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.       

2. OUR DETAILS    

We’re a member of The NatWest Group. For more information about our group of companies please visit natwestgroup.com or contact your branch.               

3. THE SERVICE      

3.1 You can only use Mobile Banking if:       

·         You’re 11 or over

·         You’re registered for online banking

·         You have a valid mobile phone number

3.2 To use Mobile Banking you need to download the Ulster Bank Republic of Ireland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at ulsterbank.ie/mobile. The services that are available to you may vary depending on the type of device you’re using and the type of account you have.  

3.3 You’re responsible for ensuring that your device is capable of operating the App (which we’ll update from time to time). We can’t guarantee that we’ll continue to support the operating system used by your device.   

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We’ll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you’re unable to use the App and we’ll do our best to help.     

4. SECURITY           

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details) and you must tell us as soon as possible if you think someone else might know your security details by calling 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

4.2 We’ll never ask you to disclose your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS      

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 1800 937 900 (or +44 2381 244180 from outside ROI) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.      

6. YOUR CONTACT DETAILS             

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.              

7. INSTRUCTIONS

You’re responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.               

8. PAYMENTS        

When you make a payment through Mobile Banking we’ll make the payment in accordance with the SEPA scheme if possible. If we can’t use the SEPA scheme we’ll advise you of alternative ways to make the payment.

9. CHARGES

We don’t currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the ROI.                      

10. Pay Your Contacts          

10.1 Pay Your Contacts allows you to send money to a third party by using the payee’s mobile phone number rather than their account number and sort code.

10.2 You can use this service to make payments to anyone who has registered to use the Ulster Bank Republic of Ireland Mobile Banking App.

10.3 To make a payment in this way, you need to give us:                    

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and

• the amount of the payment in Euro.

You’re responsible for ensuring that these details are correct.

10.4 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.        

10.5 We’ll send the payment to one of the accounts linked to the payee’s Ulster Bank Republic of Ireland App.        

10.6 Once you’ve asked us to make a payment you won’t be able to cancel it. If you realise that you’ve given us an incorrect mobile phone number or payment amount, you must inform us as soon as possible by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI). Where possible we’ll try to recover the payment, but might not be able to do so. We won’t be liable to you if we’re unable to recover a payment in these circumstances.     

10.7 We’ll notify you within the App if we’re unable to make a payment.    

10.8 There’s a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits can be found in the Frequently Asked Questions section of the App.    

 

11.SPENDING

11.1 The “Spending” function allows you to see your transactions by category (for example, groceries) and will help to give you a better overall understanding of your spending.

11.2 Spending will analyse your existing account information and show you how your spending compares month on month. You can change the accounts you want Spending to analyse or the day of the month you want your analysis to start (for example, you might want it to start from the day you are paid each month) in the ‘Settings’ section of Spending. You will also be able to make some changes to how your transactions are categorised in ‘Settings’.

11.3 Any information provided through insights or alerts from Spending is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal or tax advice.

12. OUR LIABILITY

We won’t be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.                         

13. VARIATION/TERMINATION                        

13.1 You’re free to cancel Mobile Banking at any time. If you’d like to do this, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI) or contact us on our webchat service.

13.2 If you haven’t used the App for 6 months your Mobile Banking access will be deactivated and you’ll have to re-register in order to use Mobile Banking again.                  

13.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:                    

·         we reasonably believe that your security details haven’t been kept safe;

·         we reasonably suspect that your security details have been used fraudulently or without your permission;

·         as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;

·         we believe it’s appropriate in order to protect your account(s);

·         you’ve broken any of the Licence Terms set out below.                               

We’ll tell you before we take any of these steps and we’ll explain why we’ve done so, unless we’re unable to contact you or there’s a legal reason or other circumstance beyond our control that stops us from doing so. If we can’t get hold of you beforehand, we’ll (where possible) tell you and explain our reasons afterwards.                  

13.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days’ notice.                                

13.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking). If we need to update the Terms to introduce a new feature into the App, which does not change the Terms relating to any existing features, we may do so immediately and will tell you as soon as we can afterwards. If we make any other change to the Terms, we’ll give you at least 60 days' notice before it takes effect.

We'll tell you about any changes by:

·           notifying you within the App;

·           sending a text message (to the mobile phone number you gave us);

·           sending an email (to the email address you gave us);

·           delivering a secure message to online banking; or

·           sending you notice by post.

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.           

14. LICENCE TERMS                               

14.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:                               

·         you can only use the App on a registered device belonging to you or under your control. You’ll need to register each additional or replacement device separately;

·         you can only use the App for Mobile Banking and for no other purpose;

·         the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;

·         you must not copy, reproduce, alter, modify or adapt the App or any part of it;

·         you must not analyse or reverse engineer the App or any part of it;

·         you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;

·         if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.                   

14.2 The Licence includes the right to use any future updates to the App that we make available to you.                      

14.3 We’re solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 1800 937 900 (or +44 2381 244180 from outside ROI).                    

14.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.                

14.5 We’ll assume that you’ve accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 11. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.   

Ulster Bank Ireland DAC. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group, Banc Uladh, Lombard and Ulster Bank Invoice Finance. Registered in Republic of Ireland. Registered No.25766. Registered Office: Ulster Bank Head Office, Block B, Central Park, Leopardstown, Dublin 18, D18 N153. 

Ulster Bank Ireland DAC is regulated by the Central Bank of Ireland. Calls may be recorded.

 

1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, Ulster Bank Ireland DAC (Ulster Bank).  The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy notice ulsterbank.ie/privacy. It’s important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we’ll give you a copy. You can also find them at ulsterbank.ie/mobileterms.

1.2 If you have any questions about these Terms, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI).  If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.       

2. OUR DETAILS    

We’re a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.               

3. THE SERVICE      

3.1 You can only use Mobile Banking if:       

·         You’re 11 or over

·         You’re registered for online banking

·         You have a valid mobile phone number

3.2 To use Mobile Banking you need to download the Ulster Bank Republic of Ireland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at ulsterbank.ie/mobile. The services that are available to you may vary depending on the type of device you’re using and the type of account you have.  

3.3 You’re responsible for ensuring that your device is capable of operating the App (which we’ll update from time to time). We can’t guarantee that we’ll continue to support the operating system used by your device.   

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We’ll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you’re unable to use the App and we’ll do our best to help.     

4. SECURITY           

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details) and you must tell us as soon as possible if you think someone else might know your security details by calling 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

4.2 We’ll never ask you to disclose your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS      

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 1800 937 900 (or +44 2381 244180 from outside ROI) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.      

6. YOUR CONTACT DETAILS             

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.              

7. INSTRUCTIONS

You’re responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.               

8. PAYMENTS        

When you make a payment through Mobile Banking we’ll make the payment in accordance with the SEPA scheme if possible. If we can’t use the SEPA scheme we’ll advise you of alternative ways to make the payment.

9. CHARGES

We don’t currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the ROI.                      

10. Pay Your Contacts          

10.1 Pay Your Contacts allows you to send money to a third party by using the payee’s mobile phone number rather than their account number and sort code.

10.2 You can use this service to make payments to anyone who has registered to use the Ulster Bank Republic of Ireland Mobile Banking App.

10.3 To make a payment in this way, you need to give us:                    

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and

• the amount of the payment in Euro.

You’re responsible for ensuring that these details are correct.

10.4 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.        

10.5 We’ll send the payment to one of the accounts linked to the payee’s Ulster Bank Republic of Ireland App.        

10.6 Once you’ve asked us to make a payment you won’t be able to cancel it. If you realise that you’ve given us an incorrect mobile phone number or payment amount, you must inform us as soon as possible by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI). Where possible we’ll try to recover the payment, but might not be able to do so. We won’t be liable to you if we’re unable to recover a payment in these circumstances.     

10.7 We’ll notify you within the App if we’re unable to make a payment.    

10.8 There’s a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits can be found in the Frequently Asked Questions section of the App.    

 

11.SPENDING

11.1 The “Spending” function allows you to see your transactions by category (for example, groceries) and will help to give you a better overall understanding of your spending.

11.2 Spending will analyse your existing account information and show you how your spending compares month on month. You can change the accounts you want Spending to analyse or the day of the month you want your analysis to start (for example, you might want it to start from the day you are paid each month) in the ‘Settings’ section of Spending. You will also be able to make some changes to how your transactions are categorised in ‘Settings’.

11.3 Any information provided through insights or alerts from Spending is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal or tax advice.

12. OUR LIABILITY

We won’t be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.                         

13. VARIATION/TERMINATION                        

13.1 You’re free to cancel Mobile Banking at any time. If you’d like to do this, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI) or contact us on our webchat service.

13.2 If you haven’t used the App for 6 months your Mobile Banking access will be deactivated and you’ll have to re-register in order to use Mobile Banking again.                  

13.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:                    

·         we reasonably believe that your security details haven’t been kept safe;

·         we reasonably suspect that your security details have been used fraudulently or without your permission;

·         as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;

·         we believe it’s appropriate in order to protect your account(s);

·         you’ve broken any of the Licence Terms set out below.                               

We’ll tell you before we take any of these steps and we’ll explain why we’ve done so, unless we’re unable to contact you or there’s a legal reason or other circumstance beyond our control that stops us from doing so. If we can’t get hold of you beforehand, we’ll (where possible) tell you and explain our reasons afterwards.                  

13.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days’ notice.                                

13.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking) by giving you at least 60 days’ notice before the change takes effect. We’ll tell you about any changes by:

·         notifying you within the App;

·         sending a text message (to the mobile phone number you gave us);

·         sending an email (to the email address you gave us);

·         delivering a secure message to online banking; or

·         sending you notice by post.

We’ll assume that you’ve accepted the changes unless you uninstall the App or tell us that you’d like to cancel Mobile Banking before the change takes effect.                                              

14. LICENCE TERMS                               

14.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:                               

·         you can only use the App on a registered device belonging to you or under your control. You’ll need to register each additional or replacement device separately;

·         you can only use the App for Mobile Banking and for no other purpose;

·         the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;

·         you must not copy, reproduce, alter, modify or adapt the App or any part of it;

·         you must not analyse or reverse engineer the App or any part of it;

·         you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;

·         if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.                   

14.2 The Licence includes the right to use any future updates to the App that we make available to you.                      

14.3 We’re solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 1800 937 900 (or +44 2381 244180 from outside ROI).                    

14.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.                

14.5 We’ll assume that you’ve accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 11. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.   

Ulster Bank Ireland DAC. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group, Banc Uladh, Lombard and Ulster Bank Invoice Finance. Registered in Republic of Ireland. Registered No.25766. Registered Office: Ulster Bank Group Centre, George’s Quay, Dublin 2, D02 VR98.

Ulster Bank Ireland DAC is regulated by the Central Bank of Ireland. Calls may be recorded.

 

1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, Ulster Bank Ireland DAC (Ulster Bank).  The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy notice ulsterbank.ie/privacy. It’s important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we’ll give you a copy. You can also find them at ulsterbank.ie/mobileterms.

1.2 If you have any questions about these Terms, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI).  If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.       

2. OUR DETAILS    

We’re a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.               

3. THE SERVICE      

3.1 You can only use Mobile Banking if:       

·         You’re 11 or over

·         You’re registered for online banking

·         You have a valid mobile phone number

3.2 To use Mobile Banking you need to download the Ulster Bank Republic of Ireland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at ulsterbank.ie/mobile. The services that are available to you may vary depending on the type of device you’re using and the type of account you have.  

3.3 You’re responsible for ensuring that your device is capable of operating the App (which we’ll update from time to time). We can’t guarantee that we’ll continue to support the operating system used by your device.   

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We’ll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you’re unable to use the App and we’ll do our best to help.     

4. SECURITY           

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details) and you must tell us as soon as possible if you think someone else might know your security details by calling 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

4.2 We’ll never ask you to disclose your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS      

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 1800 937 900 (or +44 2381 244180 from outside ROI) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.      

6. YOUR CONTACT DETAILS             

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.              

7. INSTRUCTIONS

You’re responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.               

8. PAYMENTS        

When you make a payment through Mobile Banking we’ll make the payment in accordance with the SEPA scheme if possible. If we can’t use the SEPA scheme we’ll advise you of alternative ways to make the payment.

9. CHARGES

We don’t currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the ROI.                      

10. SPENDING

10.1 The “Spending” function allows you to see your transactions by category (for example, groceries) and will help to give you a better overall understanding of your spending.

10.2 Spending will analyse your existing account information and show you how your spending compares month on month. You can change the accounts you want Spending to analyse or the day of the month you want your analysis to start (for example, you might want it to start from the day you are paid each month) in the ‘Settings’ section of Spending. You will also be able to make some changes to how your transactions are categorised in ‘Settings’.

10.3 Any information provided through insights or alerts from Spending is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal or tax advice.

12. OUR LIABILITY

We won’t be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.                         

13. VARIATION/TERMINATION                        

13.1 You’re free to cancel Mobile Banking at any time. If you’d like to do this, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI) or contact us on our webchat service.

13.2 If you haven’t used the App for 6 months your Mobile Banking access will be deactivated and you’ll have to re-register in order to use Mobile Banking again.                  

13.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:                    

·         we reasonably believe that your security details haven’t been kept safe;

·         we reasonably suspect that your security details have been used fraudulently or without your permission;

·         as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;

·         we believe it’s appropriate in order to protect your account(s);

·         you’ve broken any of the Licence Terms set out below.                               

We’ll tell you before we take any of these steps and we’ll explain why we’ve done so, unless we’re unable to contact you or there’s a legal reason or other circumstance beyond our control that stops us from doing so. If we can’t get hold of you beforehand, we’ll (where possible) tell you and explain our reasons afterwards.                  

13.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days’ notice.                                

13.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking) by giving you at least 60 days’ notice before the change takes effect. We’ll tell you about any changes by:

·         notifying you within the App;

·         sending a text message (to the mobile phone number you gave us);

·         sending an email (to the email address you gave us);

·         delivering a secure message to online banking; or

·         sending you notice by post.

We’ll assume that you’ve accepted the changes unless you uninstall the App or tell us that you’d like to cancel Mobile Banking before the change takes effect.                             

14. LICENCE TERMS                               

14.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:                               

·         you can only use the App on a registered device belonging to you or under your control. You’ll need to register each additional or replacement device separately;

·         you can only use the App for Mobile Banking and for no other purpose;

·         the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;

·         you must not copy, reproduce, alter, modify or adapt the App or any part of it;

·         you must not analyse or reverse engineer the App or any part of it;

·         you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;

·         if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.                   

14.2 The Licence includes the right to use any future updates to the App that we make available to you.                      

14.3 We’re solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 1800 937 900 (or +44 2381 244180 from outside ROI).                    

14.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.                

14.5 We’ll assume that you’ve accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 11. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.   

Ulster Bank Ireland DAC. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group, Banc Uladh, Lombard and Ulster Bank Invoice Finance. Registered in Republic of Ireland. Registered No.25766. Registered Office: Ulster Bank Group Centre, George’s Quay, Dublin 2, D02 VR98.

Ulster Bank Ireland DAC is regulated by the Central Bank of Ireland. Calls may be recorded.

 

1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, Ulster Bank Ireland DAC (Ulster Bank).  The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy notice ulsterbank.ie/privacy. It’s important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we’ll give you a copy. You can also find them at ulsterbank.ie/mobileterms.

1.2 If you have any questions about these Terms, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI).  If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.       

2. OUR DETAILS    

We’re a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.               

3. THE SERVICE      

3.1 You can only use Mobile Banking if:       

• You’re 11 or over
• You’re registered for online banking
• You have a valid mobile phone number

3.2 To use Mobile Banking you need to download the Ulster Bank Republic of Ireland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at ulsterbank.ie/mobile. The services that are available to you may vary depending on the type of device you’re using and the type of account you have.  

3.3 You’re responsible for ensuring that your device is capable of operating the App (which we’ll update from time to time). We can’t guarantee that we’ll continue to support the operating system used by your device.   

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We’ll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you’re unable to use the App and we’ll do our best to help.     

4. SECURITY           

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details) and you must tell us as soon as possible if you think someone else might know your security details by calling 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

4.2 We’ll never ask you to disclose your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS      

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 1800 937 900 (or +44 2381 244180 from outside ROI) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.      

6. YOUR CONTACT DETAILS             

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.              

7. INSTRUCTIONS

You’re responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.               

8. PAYMENTS        

When you make a payment through Mobile Banking we’ll make the payment in accordance with the SEPA scheme if possible. If we can’t use the SEPA scheme we’ll advise you of alternative ways to make the payment.

9. CHARGES

We don’t currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the ROI.                      

10. OUR LIABILITY

We won’t be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.                         

11. VARIATION/TERMINATION                        

11.1 You’re free to cancel Mobile Banking at any time. If you’d like to do this, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI) or contact us on our webchat service.

11.2 If you haven’t used the App for 6 months your Mobile Banking access will be deactivated and you’ll have to re-register in order to use Mobile Banking again.                  

11.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:                    

• we reasonably believe that your security details haven’t been kept safe;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it’s appropriate in order to protect your account(s);
• you’ve broken any of the Licence Terms set out below.                               

We’ll tell you before we take any of these steps and we’ll explain why we’ve done so, unless we’re unable to contact you or there’s a legal reason or other circumstance beyond our control that stops us from doing so. If we can’t get hold of you beforehand, we’ll (where possible) tell you and explain our reasons afterwards.                  

11.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days’ notice.                                

11.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking) by giving you at least 60 days’ notice before the change takes effect. We’ll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We’ll assume that you’ve accepted the changes unless you uninstall the App or tell us that you’d like to cancel Mobile Banking before the change takes effect.                             

12. LICENCE TERMS                               

12.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:                               

• you can only use the App on a registered device belonging to you or under your control. You’ll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.                   

12.2 The Licence includes the right to use any future updates to the App that we make available to you.                      

12.3 We’re solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 1800 937 900 (or +44 2381 244180 from outside ROI).                    

12.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.                

12.5 We’ll assume that you’ve accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 11. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.   

Ulster Bank Ireland DAC. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group, Banc Uladh, Lombard and Ulster Bank Invoice Finance. Registered in Republic of Ireland. Registered No.25766. Registered Office: Ulster Bank Group Centre, George’s Quay, Dublin 2, D02 VR98.

Ulster Bank Ireland DAC is regulated by the Central Bank of Ireland. Calls may be recorded.

CHANGES TO OUR MOBILE BANKING TERMS – Effective 03 JUNE 2019

Pay Your Contacts changes

We’re removing the Pay Your Contacts feature from our Mobile App.

As a reminder, the Pay Your Contacts feature allows you to send payments using the payee’s mobile phone number instead of their account details.

From 3 June 2019, you will no longer be able to send payments using the Pay Your Contacts feature of the app. You can still send other payments from the app to someone you’ve already set up as a payee on Anytime Internet Banking, or to anyone if you have their bank details - payment limits apply.

We’re also making some smaller changes to the app, relating to our FAQs and our Mobile Banking Terms.

Please read the updated Mobile Banking Terms carefully. They’ll take effect on 3 June 2019 and will stay in the 'Help' section of the app from that date.


Need more help?          

If you have any queries, please contact us on 1800 937 900 (or +44 2381 244180 from outside the ROI) or visit ulsterbank.ie/mobile. 

1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, Ulster Bank Ireland DAC (Ulster Bank).  The terms and conditions that apply to the account(s) you access through Mobile Banking, also form part of our agreement (your Account Terms). Your Account Terms include details of how payments are made, what happens if something goes wrong and how we use your information, so it’s important that you read them carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we’ll give you a copy. You can also find them at ulsterbank.ie/mobileterms.

1.2 If you have any questions about these Terms, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI).  If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.       

1.3 If you live in the Republic of Ireland, Irish law applies and the Irish courts have non-exclusive jurisdiction over any disputes between us. If you live elsewhere, English law applies and the English courts have non-exclusive jurisdiction over any disputes between us..               

2. OUR DETAILS    

We’re a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.               

3. THE SERVICE      

3.1 You can only use Mobile Banking if:       

• You’re 11 or over
• You’re registered for online banking
• You have a valid ROI mobile phone number

3.2 To use Mobile Banking you need to download the Ulster Bank Republic of Ireland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at ulsterbank.ie/mobile. The services that are available to you may vary depending on the type of device you’re using and the type of account you have.  

3.3 You’re responsible for ensuring that your device is capable of operating the App (which we’ll update from time to time). We can’t guarantee that we’ll continue to support the operating system used by your device.   

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We’ll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you’re unable to use the App and we’ll do our best to help.     

4. SECURITY           

Your security details     

4.1 You must keep all your security details safe and secure (including any passwords or log-in details). This means that you mustn’t give these details to any other person or record them in any way that could allow another person to access them without your authority.

4.2 You must tell us immediately if you think someone else might know your security details without your authority by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

4.3 We’ll never ask you to disclose your full security details to us or to any other person or organisation. Even if the person requesting your details is using our name and logo and appears to be genuine, you must not share your details with them. You should report any such requests to us immediately by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

Your device       

4.4  You must not leave the device you’re using unattended while you’re logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.5 If your device is lost or stolen you must contact us immediately by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

4.6 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS      

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us immediately by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.      

6. YOUR CONTACT DETAILS             

If your contact details (including your mobile phone number or email address) change, you must tell us as soon as you can.              

7. INSTRUCTIONS

You’re responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.               

8. PAYMENTS        

General              

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn’t included in your Account Terms.

8.2 When you make a payment through Mobile Banking we’ll make the payment in accordance with the SEPA scheme if possible. If we can’t use the SEPA scheme we’ll advise you of alternative ways to make the payment.

Pay Your Contacts          

8.3 Pay Your Contacts allows you to send money to a third party by using the payee’s mobile phone number rather than their account number and sort code.

8.4 You can use this service to make payments to anyone who has registered to use the Ulster Bank Republic of Ireland Mobile Banking App.

8.5 To make a payment in this way, you need to give us:                    

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in Euro.

You’re responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.        

8.7 We’ll send the payment to one of the accounts linked to the payee’s Ulster Bank Republic of Ireland App.        

8.8 Once you’ve asked us to make a payment you won’t be able to cancel it. If you realise that you’ve given us an incorrect mobile phone number or payment amount, you must inform us as soon as possible by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI). Where possible we’ll try to recover the payment, but might not be able to do so. We won’t be liable to you if we’re unable to recover a payment in these circumstances.     

8.9 We’ll notify you within the App if we’re unable to make a payment.    

8.10 There’s a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits can be found in the Frequently Asked Questions section of the App.       

9. CHARGES

We don’t currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside ROI.                      

10. OUR LIABILITY

We won’t be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.                         

11. VARIATION/TERMINATION                        

11.1 You’re free to cancel Mobile Banking at any time. If you’d like to do this, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI) or text STOP to 51157. (Standard network charges may apply)                            

11.2 If you haven’t used the App for 6 months your Mobile Banking access will be deactivated and you’ll have to re-register in order to use Mobile Banking again.                  

11.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:                    

• we reasonably believe that your security details haven’t been kept safe and secure;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you operate your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it’s appropriate in order to protect your account(s);
• you’ve broken any of the Licence Terms set out below.                               

We’ll tell you before we take any of these steps and we’ll explain why we’ve done so, unless we’re unable to contact you or there’s a legal reason or other circumstance beyond our control that stops us from doing so. If we can’t get hold of you beforehand, we’ll (where possible) tell you and explain our reasons afterwards.                  

11.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days’ notice.                                

11.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking) by giving you at least 60 days’ notice before the change takes effect. We’ll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We’ll assume that you’ve accepted the changes unless you uninstall the App or tell us that you’d like to cancel Mobile Banking before the change takes effect.                             

12. LICENCE TERMS                               

12.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:                               

• you can only use the App on a registered device belonging to you or under your control. You’ll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.                   

12.2 The Licence includes the right to use any future updates to the App that we make available to you.                      

12.3 We’re solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 1800 937 900 (or +44 2381 244180 from outside ROI).                    

12.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.                

12.5 We’ll assume that you’ve accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 11. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.   

Ulster Bank Ireland DAC. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group, Banc Uladh, Lombard and Ulster Bank Invoice Finance. Registered in Republic of Ireland. Registered No.25766. Registered Office: Ulster Bank Group Centre, George’s Quay, Dublin 2, D02 VR98.
Ulster Bank Ireland DAC is regulated by the Central Bank of Ireland. Calls may be recorded.

1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, Ulster Bank Ireland DAC (Ulster Bank).  The terms and conditions that apply to the account(s) you access through Mobile Banking, also form part of our agreement (your Account Terms). Your Account Terms include details of how payments are made, what happens if something goes wrong and how we use your information, so it’s important that you read them carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we’ll give you a copy. You can also find them at ulsterbank.ie/mobileterms.

1.2 If you have any questions about these Terms, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI).  If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.       

1.3 If you live in the Republic of Ireland, Irish law applies and the Irish courts have non-exclusive jurisdiction over any disputes between us. If you live elsewhere, English law applies and the English courts have non-exclusive jurisdiction over any disputes between us..               

2. OUR DETAILS    

We’re a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.               

3. THE SERVICE      

3.1 You can only use Mobile Banking if:       

• You’re 11 or over
• You’re registered for online banking
• You have a valid ROI mobile phone number

3.2 To use Mobile Banking you need to download the Ulster Bank Republic of Ireland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at ulsterbank.ie/mobile. The services that are available to you may vary depending on the type of device you’re using and the type of account you have.  

3.3 You’re responsible for ensuring that your device is capable of operating the App (which we’ll update from time to time). We can’t guarantee that we’ll continue to support the operating system used by your device.   

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We’ll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you’re unable to use the App and we’ll do our best to help.     

4. SECURITY           

Your security details     

4.1 You must keep all your security details safe and secure (including any passwords or log-in details). This means that you mustn’t give these details to any other person or record them in any way that could allow another person to access them without your authority.

4.2 You must tell us immediately if you think someone else might know your security details without your authority by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

4.3 We’ll never ask you to disclose your full security details to us or to any other person or organisation. Even if the person requesting your details is using our name and logo and appears to be genuine, you must not share your details with them. You should report any such requests to us immediately by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

Your device       

4.4  You must not leave the device you’re using unattended while you’re logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.5 If your device is lost or stolen you must contact us immediately by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

4.6 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS      

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us immediately by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.      

6. YOUR CONTACT DETAILS             

If your contact details (including your mobile phone number or email address) change, you must tell us as soon as you can.              

7. INSTRUCTIONS

You’re responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.               

8. PAYMENTS        

General              

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn’t included in your Account Terms.

8.2 When you make a payment through Mobile Banking we’ll make the payment in accordance with the SEPA scheme if possible. If we can’t use the SEPA scheme we’ll advise you of alternative ways to make the payment.

Pay Your Contacts          

8.3 Pay Your Contacts allows you to send money to a third party by using the payee’s mobile phone number rather than their account number and sort code.

8.4 You can use this service to make payments to anyone who has registered to use the Ulster Bank Republic of Ireland Mobile Banking App.

8.5 To make a payment in this way, you need to give us:                    

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in Euro.

You’re responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.        

8.7 We’ll send the payment to one of the accounts linked to the payee’s Ulster Bank Republic of Ireland App.        

8.8 Once you’ve asked us to make a payment you won’t be able to cancel it. If you realise that you’ve given us an incorrect mobile phone number or payment amount, you must inform us as soon as possible by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI). Where possible we’ll try to recover the payment, but might not be able to do so. We won’t be liable to you if we’re unable to recover a payment in these circumstances.     

8.9 We’ll notify you within the App if we’re unable to make a payment.    

8.10 There’s a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits can be found in the Frequently Asked Questions section of the App.       

9. CHARGES

We don’t currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside ROI.                      

10. OUR LIABILITY

We won’t be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.                         

11. VARIATION/TERMINATION                        

11.1 You’re free to cancel Mobile Banking at any time. If you’d like to do this, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI) or text STOP to 51157. (Standard network charges may apply)                            

11.2 If you haven’t used the App for 6 months your Mobile Banking access will be deactivated and you’ll have to re-register in order to use Mobile Banking again.                  

11.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:                    

• we reasonably believe that your security details haven’t been kept safe and secure;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you operate your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it’s appropriate in order to protect your account(s);
• you’ve broken any of the Licence Terms set out below.                               

We’ll tell you before we take any of these steps and we’ll explain why we’ve done so, unless we’re unable to contact you or there’s a legal reason or other circumstance beyond our control that stops us from doing so. If we can’t get hold of you beforehand, we’ll (where possible) tell you and explain our reasons afterwards.                  

11.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days’ notice.                                

11.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking) by giving you at least 60 days’ notice before the change takes effect. We’ll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We’ll assume that you’ve accepted the changes unless you uninstall the App or tell us that you’d like to cancel Mobile Banking before the change takes effect.                             

12. LICENCE TERMS                               

12.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:                               

• you can only use the App on a registered device belonging to you or under your control. You’ll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.                   

12.2 The Licence includes the right to use any future updates to the App that we make available to you.                      

12.3 We’re solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 1800 937 900 (or +44 2381 244180 from outside ROI).                    

12.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.                

12.5 We’ll assume that you’ve accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 11. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.   

Ulster Bank Ireland DAC. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group, Banc Uladh and Lombard.

Registered in Republic of Ireland. Registered No.25766. Registered Office: Ulster Bank Group Centre, George’s Quay, Dublin 2, D02 VR98.

Ulster Bank Ireland DAC is regulated by the Central Bank of Ireland. Calls may be recorded.

We’re making some changes to Pay Your Contacts.

As a reminder, Pay Your Contacts allows you to send payments using the payee’s mobile phone number instead of their account details.

On 19 April 2016, we’ll be removing the part of the service that allows you to send this type of payment to someone based on them having a Visa debit, credit or prepaid card. You’ll still be able to send a Pay Your Contacts payment to someone who is registered for the Ulster Bank Republic of Ireland App and you can still send other payments from the App to anyone you’ve already set up as a payee on online banking.

We’re updating our Mobile Banking Terms to:

• reflect the changes we’re making to Pay Your Contacts;
• explain the different ways that we can tell you about changes to the Mobile Banking Terms; and
• make them clearer to you.

Please read the updated Mobile Banking Terms carefully. They’ll take effect on 19 April 2016 and will stay in the “More” section of the App for future reference.

Need more help?                                                       

If you have any queries, please contact us on 1800 937 900 (or +44 2381 244180 from outside ROI) or visit ulsterbank.ie/mobile.

If you no longer wish to use Mobile Banking, you can cancel this service by deleting the App from your phone and texting “STOP” to 51157. (Standard network charges may apply)

1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, Ulster Bank Ireland DAC (Ulster Bank).  The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made, what happens if something goes wrong and how we use your information, so it’s important that you read them carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we’ll give you a copy. You can also find them at ulsterbank.ie/mobileterms.

1.2 If you have any questions about these Terms, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI).  If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.       

1.3 If you live in the Republic of Ireland, Irish law applies and the Irish courts have non-exclusive jurisdiction over any disputes between us. If you live elsewhere, English law applies and the English courts have non-exclusive jurisdiction over any disputes between us..               

2. OUR DETAILS    

We’re a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.               

3. THE SERVICE      

3.1 You can only use Mobile Banking if:       

• You’re 11 or over
• You’re registered for online banking
• You have a valid ROI mobile phone number

3.2 To use Mobile Banking you need to download the Ulster Bank Republic of Ireland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at ulsterbank.ie/mobile. The services that are available to you may vary depending on the type of device you’re using and the type of account you have.  

3.3 You’re responsible for ensuring that your device is capable of operating the App (which we’ll update from time to time). We can’t guarantee that we’ll continue to support the operating system used by your device.   

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We’ll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you’re unable to use the App and we’ll do our best to help.     

4. SECURITY           

Your security details     

4.1 You must keep all your security details secret (including any passwords or log-in details). This means that you mustn’t give these details to any other person or record them in any way that could allow another person to access them.

4.2 You must tell us immediately if you think someone else might know your security details by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

4.3 We’ll never ask you to disclose your full security details to us or to any other person or organisation. Even if the person requesting your details is using our name and logo and appears to be genuine, you must not share your details with them. You should report any such requests to us immediately by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

Your device       

4.4  You must not leave the device you’re using unattended while you’re logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.5 If your device is lost or stolen you must contact us immediately by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI) or by contacting your branch.

4.6 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS      

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us immediately by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.      

6. YOUR CONTACT DETAILS             

If your contact details (including your mobile phone number or email address) change, you must tell us as soon as you can.              

7. INSTRUCTIONS

You’re responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.               

8. PAYMENTS        

General              

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn’t included in your Account Terms.

8.2 When you make a payment through Mobile Banking we’ll make the payment in accordance with the SEPA scheme if possible. If we can’t use the SEPA scheme we’ll advise you of alternative ways to make the payment.

Pay Your Contacts          

8.3 Pay Your Contacts allows you to send money to a third party by using the payee’s mobile phone number rather than their account number and sort code.

8.4 You can use this service to make payments to anyone who has registered to use the Ulster Bank Republic of Ireland Mobile Banking App.

8.5 To make a payment in this way, you need to give us:                    

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in Euro.

You’re responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.        

8.7 We’ll send the payment to one of the accounts linked to the payee’s Ulster Bank Republic of Ireland App.        

8.8 Once you’ve asked us to make a payment you won’t be able to cancel it. If you realise that you’ve given us an incorrect mobile phone number or payment amount, you must inform us as soon as possible by calling us on 1800 937 900 (or +44 2381 244180 from outside ROI). Where possible we’ll try to recover the payment, but might not be able to do so. We won’t be liable to you if we’re unable to recover a payment in these circumstances.     

8.9 We’ll notify you within the App if we’re unable to make a payment.    

8.10 There’s a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits can be found in the Frequently Asked Questions section of the App.       

9. CHARGES

We don’t currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside ROI.                      

10. OUR LIABILITY

We won’t be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.                         

11. VARIATION/TERMINATION                        

11.1 You’re free to cancel Mobile Banking at any time. If you’d like to do this, please call us on 1800 937 900 (or +44 2381 244180 from outside ROI) or text STOP to 51157. (Standard network charges may apply)                            

11.2 If you haven’t used the App for 6 months your Mobile Banking access will be deactivated and you’ll have to re-register in order to use Mobile Banking again.                  

11.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:                    

• we reasonably believe that your security details haven’t been kept secret;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you operate your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it’s appropriate in order to protect your account(s);
• you’ve broken any of the Licence Terms set out below.                               

We’ll tell you before we take any of these steps and we’ll explain why we’ve done so, unless we’re unable to contact you or there’s a legal reason or other circumstance beyond our control that stops us from doing so. If we can’t get hold of you beforehand, we’ll (where possible) tell you and explain our reasons afterwards.                  

11.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days’ notice.                                

11.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking) by giving you at least 60 days’ notice before the change takes effect. We’ll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We’ll assume that you’ve accepted the changes unless you uninstall the App or tell us that you’d like to cancel Mobile Banking before the change takes effect.                             

12. LICENCE TERMS                               

12.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:                               

• you can only use the App on a registered device belonging to you or under your control. You’ll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.                   

12.2 The Licence includes the right to use any future updates to the App that we make available to you.                      

12.3 We’re solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 1800 937 900 (or +44 2381 244180 from outside ROI).                    

12.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.                

12.5 We’ll assume that you’ve accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 11. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.   

Ulster Bank Ireland DAC. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group, Banc Uladh and Lombard.

Registered in Republic of Ireland. Registered No.25766. Registered Office: Ulster Bank Group Centre, George’s Quay, Dublin 2, D02 VR98.

Ulster Bank Ireland DAC is regulated by the Central Bank of Ireland. Calls may be recorded.

1. Introduction

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, Ulster Bank Ireland Limited (Ulster Bank). Your Core Terms (which set out general terms for using your account and include details of how we use your information) also form part of the agreement along with any document identified within those Core Terms as being included in that agreement. It's important that you read these Terms carefully together with the Core Terms. The Core Terms are:

For current accounts and savings:

- Ulster Bank "Personal Banking - Terms and Conditions" and "A Guide to Personal Accounts Fees and Interest"

- Your Ulster Bank credit card agreement including the General Conditions.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them at ulsterbank.ie.

1.2 If you have any questions about these Terms, please contact us on 1800 937 900 (or +44 2381 244180 from outside the ROI). If there is any inconsistency between these Terms and your Core Terms, these Terms will apply.

1.3 If you live in the Republic of Ireland, Irish law applies and the Irish courts have non-exclusive jurisdiction over any disputes between us. If you live elsewhere, English law applies and the English courts have non-exclusive jurisdiction over any disputes between us.

2. OUR DETAILS

We're a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• You're aged 11 or over
• You're registered for online banking
• You have a valid ROI mobile phone number

3.2 To use Mobile Banking you'll need to download the Ulster Bank Republic of Ireland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at ulsterbank.ie/mobile. The services that are available to you may vary depending on the type of device you're using.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party used to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.


4. SECURITY

4.1 Your security details

4.1.1 You must keep all of your security details secret (including any passwords or log-in details). This means that you mustn't give these details to any other person or record them in any way that could allow another person to access them.

4.1.2 You must tell us immediately if you think someone else might know your security details by calling 1800 937 900 (or +44 2381 244180 from outside the ROI) or by contacting your branch.

4.1.3 We'll never ask you to disclose your full security details to us or to any other person or organisation. Even if the person requesting your details is using our name and logo and appears to be genuine, you must not share your details with them. You should report any such requests to us immediately by calling 1800 937 900 (or +44 2381 244180 from outside the ROI) or by contacting your branch.

4.2 Your device

4.2.1 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.2.1 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.2.2 If your device is lost or stolen you must contact us immediately by calling 1800 937 900 (or +44 2381 244180 from outside the ROI) or by contacting your branch.

4.2.3 You must delete the App from your device if you change your device or dispose of it.

4.3 Incorrect or unauthorised payments
If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us immediately by calling 1800 937 900 (or +44 2381 244180 from outside the ROI) or contacting your branch. Please read your Core Terms for further information on incorrect and unauthorised payments.

4.4 Your contact details
You should tell us promptly if your contact details (including your mobile phone number or email address) change.

5. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

6. PAYMENTS

6.1 General

6.1.1 Your Core Terms explain the different ways you can pay money into your account or take money out of your account.

6.1.2 Terms 6.2 to 6.4 below set out a payment service that is specific to Mobile Banking and is therefore not included in your Core Terms.

6.1.3 Unless Term 6.4 applies, when you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

6.2 Pay Your Contacts (General)

6.2.1 Pay Your Contacts is a service within the App, which allows you to send money to a third party by using the payee's mobile phone number rather than their account number and sort code.

6.2.2 You can use this service to make payments to:

• anyone who has registered to use the Ulster Bank Republic of Ireland Mobile Banking App.
• any other person who has not registered to use the Ulster Bank Republic of Ireland App as long as they have a ROI Visa debit card, Visa credit card, or Visa pre-paid card which is eligible to receive third party payments

6.2.3 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in Euro.

You're responsible for ensuring that these details are correct.

6.2.4 Once you've asked us to make a payment you won't be able to cancel it. If you realise that you've given us an incorrect mobile phone number or payment amount, you must inform us as soon as possible by contacting us on 1800 937 900 (or +44 2381 244180 from outside the ROI). Where possible we'll try to stop the payment, but might not be able to do so. We'll not be liable to you if we're unable to stop a payment in these circumstances.

6.2.5 We'll notify you within the App if we're unable to make a payment.

6.2.6 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits can be found in the Frequently Asked Questions section of the App.

6.3 Pay Your Contacts (Registered Payees)

6.3.1 You may ask us to make a payment to someone who is registered to use the Ulster Bank Republic of Ireland App (a Registered Payee). When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

6.3.2 If the payee is registered to use the Ulster Bank Republic of Ireland App we'll send the payment to one of the accounts linked to their Group App.

6.4 Pay Your Contacts (Non-Registered Payees)

6.4.1 You may ask us to make a payment to someone who isn't registered to use the Republic of Ireland App (a Non-Registered Payee) provided they have a ROI Visa debit card, Visa credit card, or Visa pre-paid card which is eligible to receive third party payments

6.4.2 When you instruct us to pay a Non-Registered Payee, we'll work in partnership with Visa to process your instruction as follows:

• Visa will send a text message to the payee on our behalf informing them that you wish to make a payment to them. For security reasons Visa won't state the amount of the payment in this text message. It's your responsibility to provide the payee with this information.
• To collect the payment, the payee must visit the Visa collections website referred to in the text message and provide their card details as well as the amount of the payment. When the payee provides this information they initiate the payment transaction and Visa will process the payment on our behalf.
• The payee will have up to seven days from the day Visa send the text message to collect the payment. After the collection period has expired the payment request will no longer be valid and you'll have to make a fresh payment request if you still wish to make the payment.

6.4.3 If the payment is collected it'll be added to the payee's account by the end of the next business day after the payee enters their information on the Visa collections website. (For example, if the payee enters their details on Friday, the money will be added to their account by the end of the day on Monday). If the payment isn't collected you'll be sent a text message to let you know, and you'll have to make a fresh payment request if you still wish to make the payment.

7. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when abroad.

8. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

9. VARIATION/TERMINATION

9.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 1800 937 900 (or +44 2381 244180 from outside the ROI) or text STOP to 51157.

9.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated automatically and you'll have to re-register in order to use Mobile Banking again.

9.3 We may suspend, withdraw or restrict the use of Mobile Banking or any part of it where:

• we reasonably suspect that your security details haven't been kept secret;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you operate your account or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before taking any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

9.4 If we have a valid reason for doing so, we may change the terms of our agreement with you (which may include introducing charges for Mobile Banking or making changes to those charges) by giving you at least 60 days' notice before the change takes effect. We'll assume that you've accepted the change unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

10 LICENCE TERMS

10.1 Licence to use the App

10.1.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

10.1.2 The Licence includes the right to use any future updates to the App that we make available to you.

10.1.3 We are solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please contact us on 1800 937 900 (or +44 2381 244180 from outside the ROI).

10.1.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

10.2 Duration and Termination of Licence
We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until You cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 9. Upon termination of the Licence for any reason you must uninstall the App and destroy all copies of it.

Ulster Bank Ireland Limited. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group and Banc Uladh. Registered in Republic of Ireland. Registered No 25766. Registered Office: Ulster Bank Group Centre, George's Quay, Dublin 2. Member of The Royal Bank of Scotland Group. Ulster Bank Ireland Limited is regulated by the Central Bank of Ireland. Calls may be recorded.

TERMS AND CONDITIONS OF USE FOR THE MOBILE BANKING SERVICE

The Mobile Banking Service is provided by Ulster Bank Ireland Limited to you.

A For personal customers, it is important that you read these mobile banking terms and conditions (the “Terms”) along with our ‘Personal Banking – Terms and Conditions’ and the fees which apply to your account in ‘A Guide to Personal Accounts Fees and Interest’. Collectively these set out our general terms for using our banking services including our privacy policy which contains details of how we and others will use your information. They are available at www.ulsterbank.ie. If you have any questions about these Terms, please contact us on 1800 937 900. If there is any inconsistency between the Terms and our general terms, the Terms will prevail.

B For business customers, it is important that you read all of the following, these mobile banking terms and conditions (the “Terms”), our, ‘Business Banking – Terms and Conditions’, ‘Anytime Terms and Conditions for Business Customers’, the Anytime for Business Customers application form and the fees which applies to your account in ‘A Guide to Business Current Account Fees’. If you are also a personal customer you should also read section A above. Collectively these set out our general terms for using our banking services including our privacy policy which contains details of how we and others will use your information. They are available at www.ulsterbank.ie. If you have any questions about these Terms, please contact us on 1800 937 900. If there is any inconsistency between the Terms and our general terms, the Terms will prevail.

1. OUR DETAILS

We are Ulster Bank Ireland Limited (“us”, “we” or “Ulster Bank”) part of the Royal Bank of Scotland Group of companies (the “RBS Group”). We are a public company incorporated in Ireland (Company number 25766) and have our registered office at Ulster Bank Group Centre, George’s Quay, Dublin 2.

2. THE SERVICE

2.1 Unless otherwise permitted by us, you may only access the Mobile Banking Service if you are aged 11 years or over and are resident in the Republic of Ireland. Further details on how to register and use the Mobile Banking Service can be found at www.ulsterbank.ie/mobile

2.2 The Mobile Banking Service offers you access to a range of content and transaction services. Details of our range of services can be found on our website at www.ulsterbank.ie/mobile. The services offered to you via the Mobile Banking Service may vary depending on the type of handset you are using and/or the type of account you hold with us.

3. AVAILABILITY OF SERVICE

3.1 While we will make reasonable efforts to provide the Mobile Banking Service, we will not be liable for any failure to provide the Mobile Banking Service, in part or full, for any cause that is beyond our reasonable control. This includes, in particular, any suspension of the Mobile Banking Service resulting from maintenance and upgrades to our systems or the systems of any party used to provide the Mobile Banking Service, outages on any phone network or in the case of mobile networks where you are not in an area of mobile coverage.

3.2 The Mobile Banking application (the “Application”) is provided “as is” with no representation, guarantee or warranty of any kind as to its functionality.

4. SECURITY PROCEDURE

4.1 You must keep your security details secret and take all reasonable precautions to prevent unauthorised or fraudulent use of them.

4.2 You must not disclose your security details to any other person or record your security details in any way that may result in them becoming known to another person.

4.3 Please note that after initial registration we will never contact you (or ask anyone to do so on our behalf), with a request to disclose your security details in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not supply your security details to them in any circumstances. Additionally, you should report any such requests to us immediately.

4.4 If transactions using the Mobile Banking Service are permitted, now or in the future, and are carried out using your security details, but you subsequently show that a transaction was not authorised by you, you will not be liable for that transaction provided you have kept your security details secret, not acted fraudulently, acted with reasonable care and acted in accordance with these Terms.

4.5 If your device is lost or stolen or if you suspect that anyone knows your security details you must contact us immediately. If you fail to do so, you will be liable for any unauthorised transactions on your account confirmed by use of your security details.

4.6 Where your security details are lost or stolen, or you do not keep them safe as you are obliged to do under these Terms, you may be responsible for unauthorised transactions, up to a maximum of €75. You may be liable for the full amount where you have failed intentionally, or with gross negligence, to keep your security details secret. Unless you have acted fraudulently, you will not be liable for any unauthorised payment which is made after you told us that your security details are no longer safe.

4.7 You will be responsible for all instructions given by you or anyone acting with your authority between the time you pass the security procedure until you exit from the Mobile e Banking Service. Please note that this includes any input errors or instructions sent by someone other than yourself so please do not leave your device unattended while you are still logged onto the Mobile Banking Service.

4.8 You are responsible for making sure information either shown or stored on your device is kept secure.

4.9 You must delete the Application from your device if you change your device or dispose of it.

4.10 You must advise us of any change to your mobile phone number or email address.

5. TRANSACTIONS

5.1 Unless Term 5.5 applies, when you instruct us to make a payment through the Mobile Banking Service, we will make the payment using the Faster Payments Service if possible. If we cannot use the Faster Payments Service, we will advise you of alternative methods of making the payment.

5.2 You acknowledge that you are responsible for all transactions carried out using the Mobile Banking Service and for the repayment of any debt that arises from use of the Mobile Banking Service.

5.3 Pay Your Contacts

5.3.1 You can only register to use Pay Your Contacts if your account is held in the Republic of Ireland

5.3.2 If you are registered to use Pay Your Contacts you can ask us to make a payment by using the Application to give us the Republic of Ireland mobile phone number of the person you would like us to make a payment to (the “payee”) together with the amount of the payment in Euro. When you give us a mobile phone number you consent to us debiting your account for the amount specified.

5.3.3 When you ask us to make a payment using Pay Your Contacts, the mobile phone number that you give us identifies the payee to whom you wish to make a payment. You are responsible for ensuring that you provide us with the correct mobile phone number and amount.

5.3.4 We will inform you within the Application if we are unable to send a payment.

5.3.5 Once you have asked us to make a payment using Pay Your Contacts you will not be able to cancel that payment. If you realise that you have given us an incorrect mobile phone number, you must inform us as soon as possible by contacting our telephone banking service. Where circumstances permit, we will try to stop the payment, but may not be able to do so. We will not be liable to you if we are unable to stop a payment in these circumstances.

5.3.6 For your and our security, we will place a daily limit on transactions using Pay Your Contacts and a limit on the amount of any one Pay Your Contacts transaction. Details of these limits can be found on our website at www.ulsterbank.ie/mobile.

5.4 Paying Registered Customers

5.4.1 You may ask us to make a payment to other customers who are registered to use the Application ("Registered Customers"). When you give us the payee's mobile phone number and the amount of the payment this will be your payment instruction to us. The payment will normally be processed immediately but may sometimes take up to two hours. Payments using Pay Your Contacts will be identified in the payee's account by your mobile phone number.

5.4.2 Payments to Registered Customers will be paid into the account linked to the debit card which the payee used to register for the Mobile Banking Service.

5.5 Paying Non-Registered payees

5.5.1 You may ask us to make a payment to someone who is not a Registered Customer (a "Non-Registered payee") provided they have a Visa debit card, Visa credit card, or a Visa pre-paid card which is eligible to receive third party payments.

5.5.2 When you instruct us to pay a Non-Registered payee by giving us their mobile phone number and the payment amount, we will work in partnership with Visa Europe Limited ("Visa") to process your instruction.

5.5.3 Some Non-Registered payees will already have their mobile phone number and Visa card details registered with Visa. These Non-Registered payees will be treated by Visa as "Registered Visa recipients".

5.5.4 When you instruct us to pay a Non-Registered payee who is a Registered Visa recipient, you initiate the payment transaction and Visa will process the payment on our behalf.

5.5.5 When you instruct us to pay a Non-Registered payee who is not a Registered Visa recipient:

(a) Visa will send a text message to the Non-Registered payee on our behalf informing them that you wish to make a payment to them. For security reasons Visa will not state the amount of the payment in this text message. It is your responsibility to provide the Non-Registered payee with this information.

(b) The Non-Registered payee will have up to seven days from the day Visa send the text message to collect the payment. After the collection period has expired the payment request will no longer be valid and you will have to make a fresh payment request if you still wish to make the payment.

(c) To collect the payment, the Non-Registered payee must visit the Visa Europe collections website referred to in the text message and provide their eligible Visa card details as well as the amount of the payment. When the Non-Registered payee provides this information they initiate the payment transaction and Visa will process the payment on our behalf.

5.5.6 For all Non-Registered payees, if the payment is successful it will be credited to the Non-Registered payee's account by the end of the business day following initiation of the payment transaction. If the payment is unsuccessful you will be sent a text message to let you know, and you will have to make a fresh payment request if you still wish to make the payment.

6. CHARGES

We reserve the right to charge you and you agree to pay the charges which apply when you use our services or any part of them. We do not currently charge you for the Mobile Banking Service. However, your mobile network operator may charge you when using the Mobile Banking Service and these charges may vary if you use your device to access the Mobile Banking Service when abroad.

7. OUR LIABILITY

We will not be liable to you for any breach of (or failure to perform) our obligations where that breach (or failure) is due to abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary.

8. VARIATION/TERMINATION OF SERVICE

8.1 There is no minimum contract period and you are free to cancel the Mobile Banking Service at any time. Details on how to cancel the Mobile Banking Service can be found on our website at www.ulsterbank.ie/mobile

8.2 If you have not used the Mobile Banking Service for 12 months your account will be deactivated automatically and you would have to re-register in order to use the Mobile Banking Service again.

8.3 We may suspend, withdraw or restrict the use of the Mobile Banking Service or any part of the Mobile Banking Service where:

(a) we have reasonable grounds to suspect that your Security Details have not been kept safe; or

(b) we have reasonable grounds to suspect unauthorised or fraudulent use of your Security Details; or

(c) as a result of a change in the way you operate your account or in your financial circumstances,we have reasonable grounds to believe that you may have difficulty in meeting your commitments; or

(d) we consider it appropriate for your protection.Unless we are unable to contact you or there is a legal reason or other circumstances beyond our control preventing us from doing so, we will notify you personally before taking this action to suspend, withdraw or restrict your use of the Mobile Banking Service and provide our reasons for doing so. If we are unable to contact you beforehand, where possible we will notify you and give our reasons afterwards.

8.4 If we have a valid reason for doing so, we may change the terms of our agreement with you by notifying you personally not less than 60 days before the change comes into effect.

8.5 We may introduce new charges on your account or change the amount of any charges which already apply to your account by notifying you personally not less than 60 days before the change comes into effect.

9. LICENCE FOR ULSTER BANK MOBILE BANKING APPLICATION (the “Licence”)

9.1 We hereby grant to you a non-assignable, non transferable, non-exclusive Licence to use the Application (which shall include future updates made available to you from time to time provided you understand such updates may be subject to additional terms notified to you at the time such update is made available) subject to the following obligations and/or restrictions:

9.1.1 you may only use the Application on one single registered device belonging to you or under your control. You will need to register separately each additional or replacement device;

9.1.2 you may only use the Application for the purpose of receiving the Mobile Banking Service and for no other purpose whatsoever;

9.1.3 the Application is licensed only to you and you shall not assign, sub-licence or grant any rights of use or any other rights in respect of the Application to any other person;
9.1.4 you shall not copy or reproduce in any way the whole or any part of the Application;

9.1.5 you shall not alter, modify or adapt the whole or any part of the Application;

9.1.6 you shall not remove or tamper with any copyright notice attached to or contained within the Application and you acknowledge and agree that as between us and you all ownership in the Application remains with us;

9.1.7 on any termination of the Mobile Banking Service all rights granted to you in respect of the Application shall immediately cease.

9.2 TERMINATION OF LICENCE

9.2.1 The Licence shall commence upon your acceptance of the Licence or when you install the Application (whichever is first) and shall continue until terminated in accordance with the following clause or otherwise in accordance with the Licence.

9.2.2 The Licence will terminate automatically if you cancel the Mobile Banking Service and/or uninstall the Application, or fail to comply with any term or condition of the Licence. Upon termination of the Licence for any reason whatsoever you must uninstall the Application and destroy all copies of the Application including all components of it in your possession.

9.3 ACCEPTANCE OF LICENCE

You will be deemed to have accepted the terms of the Licence by installing the Application on any device.

10. LAW AND JURISDICTION

Our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and this Licence will be governed by the laws of the Republic of Ireland if your address is in the Republic of Ireland or Northern Irish law if you live elsewhere and the Northern Irish courts shall have non-exclusive jurisdiction to settle any dispute arising out of this Licence (unless your address is in the Republic of Ireland, in which case the courts of the Republic of Ireland shall have non-exclusive jurisdiction).

This brochure is also available in Braille, large print, audio or on disk. Please contact your local branch for details or Textphone 1800 924 615.

Ulster Bank Ireland Limited. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group and Banc Uladh. Registered in Republic of Ireland. Registered No. 25766. Registered Office: Ulster Bank Group Centre, George’s Quay, Dublin 2. Member of The Royal Bank of Scotland Group. Ulster Bank Ireland Limited is regulated by the Central Bank of Ireland. Calls may be recorded.

TERMS AND CONDITIONS OF USE FOR THE MOBILE PHONE BANKING SERVICE

The Mobile Phone Banking Service is provided by Ulster Bank Ireland Limited to you.

For personal customers, it is important that you read these mobile phone banking terms and conditions (the " Terms") along with our 'Personal Banking - Terms and Conditions' and the fees which applies to your account in 'A Guide to Personal Accounts Fees and Interest'. Collectively these make up our " Core Terms" and set out our general terms for using our banking services including our privacy policy which contains details of how we and others will use your information. They are available at www.ulsterbank.ie. If you have any questions about these Terms, please contact us on 1800 937 900. If there is any inconsistency between the Terms and the Core Terms, the Terms will prevail.

For business customers, it is important that you read all of the following, these mobile phone banking terms and conditions (the " Terms"), our, 'Business Banking - Terms and Conditions', 'Personal Banking - Terms and Conditions', 'Anytime Terms and Conditions for Business Customers', the Anytime for Business Customers application form and the fees which applies to your account in 'A Guide to Business Current Account Fees' and 'A Guide to Personal Accounts Fees and Interest'. Collectively these make up our " Core Terms" and set out our general terms for using our banking services including our privacy policy which contains details of how we and others will use your information. They are available at www.ulsterbank.ie. If you have any questions about these Terms, please contact us on 1800 937 900. If there is any inconsistency between the Terms and the Core Terms, the Terms will prevail.

1. OUR DETAILS

We are Ulster Bank Ireland Limited ("us", "we" or "Ulster Bank") part of the Royal Bank of Scotland Group of companies (the "RBS Group"). We are a public company incorporated in Ireland (Company number 25766) and have our registered office at Ulster Bank Group Centre, George's Quay, Dublin 2.

2. THE SERVICE

2.1 Unless otherwise permitted by us, you may only access the Mobile Phone Banking Service if you are aged 11 years or over and are resident in the Republic of Ireland. Further details on how to register and use the Mobile Phone Banking Service can be found at www.ulsterbank.ie/mobile.

2.2 The Mobile Phone Banking Service offers you access to a range of content and transaction services. Details of our range of services can be found on our website at www.ulsterbank.ie/mobile. The services offered to you via the Mobile Phone Banking Service may vary depending on the type of handset you are using and/or the type of account you hold with us.

3. AVAILABILITY OF SERVICE

3.1 While we will make reasonable efforts to provide the Mobile Phone Banking Service, we will not be liable for any failure to provide the Mobile Phone Banking Service, in part or full, for any cause that is beyond our reasonable control. This includes, in particular, any suspension of the Service resulting from maintenance and upgrades to our systems or the systems of any party used to provide the Service, outages on any phone network or in the case of mobile networks where you are not in an area of mobile coverage.

3.2 The Application is provided "as is" with no representation, guarantee or warranty of any kind as to its functionality.

4. SECURITY PROCEDURE

4.1 You must keep your security details secret and take all reasonable precautions to prevent unauthorised or fraudulent use of them.

4.2 You must not disclose your security details to any other person or record your security details in any way that may result in them becoming known to another person.

4.3 Please note that after initial registration we will never contact you (or ask anyone to do so on our behalf), with a request to disclose your security details in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not supply your security details to them in any circumstances. Additionally, you should report any such requests to us immediately.

4.4 If transactions using the Mobile Phone Banking Service are permitted, now or in the future, and are carried out using your security details, but you subsequently show that a transaction was not authorised by you, you will not be liable for that transaction provided you have kept your security details secret, not acted fraudulently, acted with reasonable care and acted in accordance with these Terms.

4.5 If you suspect that anyone knows your security details you must contact us immediately. If you fail to do so, you will be liable for any unauthorised transactions on your account confirmed by use of your security details.

4.6 You will be responsible for all instructions given by you or anyone acting with your authority between the time you pass the security procedure until you exit from the Mobile Phone Banking Service. Please note that this includes any input errors or instructions sent by someone other than yourself so please do not leave your mobile phone unattended while you are still logged onto the Mobile Phone Banking Service.

4.7 You are responsible for making sure information either shown or stored on your mobile phone is kept secure.

4.8 You must advise us of any change to your mobile phone number or email address.

5. TRANSACTIONS

5.1 If transactions are permitted as part of the Mobile Phone Banking Service, banking instructions received for your current and savings accounts on any working day will normally be processed that day. (You will be advised at the time you send the instruction, if the instruction cannot be processed that same day but will be processed the next working day).

5.2 You acknowledge that you are responsible for all transactions carried out using the Mobile Phone Banking Service and for the repayment of any debt that arises from the use of Mobile Phone Banking Service.

6. CHARGES

6.1 We do not currently charge you for the Mobile Phone Banking Service. However, your mobile phone network operator may charge you when using the Mobile Phone Banking Service and these charges may vary if you use your mobile phone to access the Mobile Phone Banking Service when abroad.

7. OUR LIABILITY

7.1 We will not be liable to you for any breach of (or failure to perform) our obligations where that breach (or failure) is due to abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary.

8. VARIATION/TERMINATION OF SERVICE

8.1 There is no minimum contract period and you are free to cancel the Mobile Phone Banking Service at any time. Details on how to cancel the Mobile Phone Banking Service can be found on our website at www.ulsterbank.ie/mobile

8.2 If you have not used the Mobile Phone Banking Service for 12 months your account will be deactivated automatically and you would have to re-register in order to use the Mobile Phone Banking Service again.

8.3 You acknowledge that it is your responsibility to delete the mobile banking application from your mobile phone if you change your mobile phone or dispose of it.

8.4 Unless we are unable to contact you or there is a legal reason or other circumstances beyond our control preventing us from doing so, we will notify you personally before taking this action to suspend, withdraw or restrict your use of the Mobile Phone Banking Service and provide our reasons for doing so. If we are unable to contact you beforehand, where possible we will notify you and give our reasons afterwards.

8.5 We may suspend, withdraw or restrict the use of the Mobile Phone Banking Service or any part of the Mobile Phone Banking Service where:

(a) we have reasonable grounds to suspect that your Security Details have not been kept safe; or

(b) we have reasonable grounds to suspect unauthorised or fraudulent use of your Security Details; or

(c) as a result of a change in the way you operate your account or in your financial circumstances, we have reasonable grounds to believe that you may have difficulty in meeting your commitments; or

(d) we consider it appropriate for your protection.

8.6 If we have a valid reason for doing so, we may change the terms of our agreement with you by notifying you personally not less than 60 days before the change comes into effect.

8.7 We may introduce new charges on your account or change the amount of any charges which already apply to your account by notifying you personally not less than 60 days before the change comes into effect.

9. LICENCE FOR ULSTER BANK MOBILE PHONE BANKING APPLICATION (the “Licence”)

9.1 We hereby grant to you a non-assignable, non-transferable, non-exclusive Licence to use the mobile phone banking application (the "Application") (which shall include future updates made available to you from time to time provided you understand such updates may be subject to additional terms notified to you at the time such update is made available) subject to the following obligations and/or restrictions:

9.1.1 you may only use the Application on one single registered mobile phone belonging to you or under your control. You will need to register separately each additional or replacement mobile phone;

9.1.2 you may only use the Application for the purpose of receiving the Service and for no other purpose whatsoever;

9.1.3 the Application is licensed only to you and you shall not assign, sub-licence or grant any rights of use or any other rights in respect of the Application to any other person;

9.1.4 you shall not copy or reproduce in any way the whole or any part of the Application;

9.1.5 you shall not alter, modify or adapt the whole or any part of the Application;

9.1.6 you shall not remove or tamper with any copyright notice attached to or contained within the Application and you acknowledge and agree that as between us and you all ownership in the Application remains with us;

9.1.7 on any termination of the Service all rights granted to you in respect of the Application shall immediately cease.

9.2 TERMINATION

9.2.1 The Licence shall commence upon your acceptance of the Licence or when you install the Application (whichever is first) and shall continue until terminated in accordance with the following clause or otherwise in accordance with the Licence

9.2.2 The Licence will terminate automatically if you cancel the Service and/or uninstall the Application, or fail to comply with any term or condition of the Licence. Upon termination of the Licence for any reason whatsoever you must uninstall the Application and destroy all copies of the Application including all components of it in your possession.

9.3 LAW AND JURISDICTION

Our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and this Licence will be governed by the laws of the Republic of Ireland if your address is in the Republic of Ireland or Northern Irish law if you live elsewhere and the Northern Irish courts shall have non-exclusive jurisdiction to settle any dispute arising out of this Licence (unless your address is in the Republic of Ireland, in which case the courts of the Republic of Ireland shall have non-exclusive jurisdiction).

9.4 ACCEPTANCE OF LICENCE

9.4.1 You will be deemed to have accepted the terms of the Licence by installing the Application on any mobile phone.