AIB Mobile vs Collect.

Our mobile app is built to support you in the life you’re after. It includes features to support how you bank every day and new ways to manage your money and make quick and easy payments.   The app offers a personalised everyday banking experience with a strong focus on your day-to-day banking.   You can get better insight into your money with a clear picture of where your money is going, with detailed transactions and budgeting tools to help you understand your spending.    With easy payments and more control to make the fast, secure SEPA Instant and Zippay payments you know and trust.     Strong security & protection against fraud with enhanced security features, including Passkeys, which give you a fast and safe way to login to the app and an added layer of protection from fraudsters.   The app offers support when and how you need it. Get help directly in the app - chat to our digital assistant Abi, check our FAQ’s or find other ways to contact us for the support you need.    Your AIB mobile app home screen:  Life is busy. Most days when you open the app, you just want to quickly check your balance and your spending.   - To make your online banking easier, we’ve introduced spaces for your different accounts.  - Your ‘Everyday’ space brings your current and credit card accounts, together in the one place.    - Easily switch between your Savings, Loans, or Mortgages space.  - See your balances, recent activity and upcoming payments at a glance.   - Keep track of your spending and an eye on the budget you set.  - In app messages help you stay up to date.  - Ask Abi a question, call us or find your nearest branch.   Spending & budgeting insights:  Track your spending trends by getting a daily, weekly or monthly view.   - See a breakdown of your spending by structured categories, so you know where your money is going.  - Understand your habits by seeing where you spend most of your money.  - Add your own tags to transactions to track spending in a way that works for you.   - Set and manage budgets, track your progress and see what you’ve left against your budget target.  Payments:  Make & manage your payments simply and quickly.  - Move your money between your AIB accounts.  - Send, request or split payments with Zippay using your mobile contacts.   - Send money to your family and friends whether they are in Ireland or the SEPA zone countries.   - Use Selfie Check facial biometrics to let us check it’s really you making payments in the app. Once enrolled, you can make higher-value payments securely.  - Pay your household or credit card bills.   - Set up or cancel standing orders anytime.   - View and manage your payees and set payment limits.  Cards:  You can easily and securely:  - Freeze and unfreeze your cards.  - Order a replacement card if yours is lost or stolen.  - View your personal debit card PIN.  Apply and open products:  Open a new account, apply to borrow money, apply for a credit card or mortgage or get insurance. You can also plan for your future with AIB life.  - New account: Open a new current or savings account on your own, all from within the app.   - Borrow money: Apply for a Personal loan or top-up, a green loan, the SBCI Home Energy Upgrade Loan Scheme or a Personal overdraft.   - Credit cards: Apply for a Click or Platinum credit card.   - Mortgage: Easy access to calculate, apply and manage your mortgage application.  - Insurance: Call us for a travel, home and/or car insurance quote.   - AIB life: Start planning for your future by exploring ways to invest your money, grow your pension, get cover for your income or mortgage.    For more information:   We have more information on our website https://www.aib.ie/ways-to-bank/mobile-banking For more information on our new app go to https://www.aib.ie/newapp Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.

Collect helps savings groups organize contributions, review member balances, and keep credit-readiness records in one mobile workspace. Members create a contribution request, review the approved beneficiary, amount, and unique reference, then authorize a SEPA bank transfer in their banking app. Collect never asks for banking credentials and never initiates or signs a transfer. A contribution is recorded only after controlled bank evidence and the daily statement reconcile. Groups can track collections, member participation, bank-transfer evidence, exceptions, and account status without relying on scattered chat messages or paper notes. The app is designed for savings groups and administrators that need a clearer record of who contributed, what changed, and what still needs follow-up. Key capabilities: - Savings group overview and member activity tracking - Bank-transfer contribution and reconciliation review - Credit-readiness records for organized group review - Shareable group context for coordination - Account and privacy controls for members Collect is operated by IKANISA LTD for organized savings, contribution tracking, and credit-readiness recordkeeping. Collect is not a bank or wallet and does not provide credit or custody customer funds.