[
    {
        "role": "user",
        "content": "how%20does%20zippay%20work%20with%20the%20banks%20in%20ireland%3F"
    },
    {
        "role": "assistant",
        "content": "Here\u2019s a breakdown of how **Zippay** works with banks in Ireland, including what you need, how it operates, and what it means for users. Most of the info comes from AIB, Bank of Ireland, PTSB, and Nexi as of mid-2026.\n\n---\n\n## What is Zippay\n\n- Zippay is a **person-to-person (P2P)** instant payments service created by the Irish banks AIB, Bank of Ireland, and PTSB. It\u2019s designed so you can send, request, or split money using just a mobile phone number\u2014no need for IBANs, payee setup, or separate wallets. ([aib.ie](https://www.aib.ie/ways-to-bank/zippay?utm_source=openai))  \n- It was built in partnership with the payments technology firm **Nexi**, which handles matching contact/mobile info across banks; however, each bank processes the actual payments. ([rte.ie](https://www.rte.ie/news/ireland/2026/0309/1562267-zippay-payment-service/?utm_source=openai))  \n\n---\n\n## Which Banks and Accounts Support It\n\n- The service is live (or rolling out) for customers of **AIB, Bank of Ireland, and PTSB**. ([aib.ie](https://www.aib.ie/ways-to-bank/zippay?utm_source=openai))  \n- Eligibility requires:\n  - Having a **personal current account** or another eligible account type with one of the participating banks. ([personalbanking.bankofireland.com](https://personalbanking.bankofireland.com/ways-to-bank/mobile-banking/zippay/?utm_source=openai))  \n  - Being over a certain age (usually **16+**, except at AIB where the limit is **12+** depending on account) and having a verified mobile number tied to your bank account. ([aib.ie](https://www.aib.ie/help-and-guidance/zippay-faqs?utm_source=openai))  \n\n---\n\n## How It Actually Works: Transactions & Limits\n\n- To use Zippay, you open the Zippay section in your bank\u2019s mobile app (look under *Payments*). From there you can:\n  - **Send money** to someone else using their mobile number (if they\u2019re also a Zippay user).\n  - **Request money** from someone else.\n  - **Split payments** with multiple people (up to **30 contacts**) for things like dinner or bills. ([aib.ie](https://www.aib.ie/ways-to-bank/zippay?utm_source=openai))  \n- Limits:\n  - **Sending:** up to **\u20ac1,000 per day**. ([aib.ie](https://www.aib.ie/ways-to-bank/zippay?utm_source=openai))  \n  - **Requesting:** up to **\u20ac500 per individual request**. ([aib.ie](https://www.aib.ie/ways-to-bank/zippay?utm_source=openai))  \n- Money transfers are typically **instant**, arriving in seconds. ([personalbanking.bankofireland.com](https://personalbanking.bankofireland.com/ways-to-bank/mobile-banking/zippay/?utm_source=openai))  \n\n---\n\n## Setting Up & Account Defaults\n\n- You\u2019ll often be **automatically enrolled** if you meet the eligibility criteria and are a customer of one of the participating banks. However, you can **opt out** if you prefer not to use it. ([rte.ie](https://www.rte.ie/news/ireland/2026/0309/1562267-zippay-payment-service/?utm_source=openai))  \n- These services all share some minimal personal info with Nexi (trusted third-party), including:\n  - Name  \n  - Mobile number  \n  - IBAN  \n  - An encrypted combination of date of birth + mobile number used for matching purposes. ([personalbanking.bankofireland.com](https://personalbanking.bankofireland.com/ways-to-bank/mobile-banking/zippay/?utm_source=openai))  \n- If you have more than one account or bank, you pick a **default account** that will receive incoming Zippay payments. You can change which account this is from within your bank\u2019s app. ([personalbanking.bankofireland.com](https://personalbanking.bankofireland.com/ways-to-bank/mobile-banking/zippay/?utm_source=openai))  \n\n---\n\n## Security, Data & Costs\n\n- Security is tied into your bank's existing mobile app security infrastructure (e.g., login requirements, verification, etc.). ([rte.ie](https://www.rte.ie/news/ireland/2026/0309/1562267-zippay-payment-service/?utm_source=openai))  \n- Data protection is being taken seriously; the bank and Nexi are joint controllers only for the limited data sharing needed for Zippay. GDPR and Irish data-protection laws apply. ([personalbanking.bankofireland.com](https://personalbanking.bankofireland.com/ways-to-bank/mobile-banking/zippay/?utm_source=openai))  \n- There are **no additional fees** from the banks for using Zippay. Standard fees for banking may still apply, but using Zippay itself is free. ([rte.ie](https://www.rte.ie/news/2026/0309/1562269-zippay-questions-answers/?utm_source=openai))  \n\n---\n\n## What It Means With Banks: Integration\n\n### Interoperability\n\n- Zippay links multiple Irish banks by allowing transfers between any two customers at participating banks using only mobile numbers. ([aib.ie](https://www.aib.ie/ways-to-bank/zippay?utm_source=openai))  \n- Other financial institutions can join in the future, as long as they have IBAN-based accounts and a mobile app. Nexi is managing integration for those institutions. ([rte.ie](https://www.rte.ie/news/ireland/2026/0309/1562267-zippay-payment-service/?utm_source=openai))  \n\n### Replaces Some Functions, But Not All\n\n- Zippay doesn't replace SEPA or instant payments outside the participating banks or those with non-participating institutions. For example, sending money to someone with Revolut or N26 may still require using different services. Currently, N26 is **not participating** but may consider joining in the future. ([rte.ie](https://www.rte.ie/news/business/2025/1226/1549286-2026-the-year-irish-banks-take-on-rival-revolut/?utm_source=openai))  \n- It cannot be used for direct debits or standing orders\u2014it's only for P2P type payments. ([aib.ie](https://www.aib.ie/help-and-guidance/zippay-faqs?utm_source=openai))  \n\n---\n\nIf you tell me which bank you're with (AIB, BOI, PTSB, etc.), I can walk you through exactly how to set it up or use it on your app. Want me to do that?"
    },
    {
        "role": "user",
        "content": "yes%20please%2C%20i%27m%20with%20ptsb"
    },
    {
        "role": "assistant",
        "content": "If you're with PTSB and want to use **Zippay**, here\u2019s how to set it up, what you\u2019ll need, and how to use it. All details are based on the latest info from the PTSB site as of mid-2026. ([ptsb.ie](https://www.ptsb.ie/help-and-support/help-with-banking/mobile-app-banking-help/zippay-questions-and-answers/?utm_source=openai))\n\n---\n\n### \u2705 Who Can Use Zippay at PTSB\n\nYou can use Zippay if you meet *all* these:\n\n- You're a **personal banking customer** (joint accounts are supported too). ([ptsb.ie](https://www.ptsb.ie/help-and-support/help-with-banking/mobile-app-banking-help/zippay-questions-and-answers/?utm_source=openai))  \n- You have an **eligible PTSB Current Account**. ([ptsb.ie](https://www.ptsb.ie/help-and-support/help-with-banking/mobile-app-banking-help/zippay-questions-and-answers/?utm_source=openai))  \n- You\u2019re **aged 16 or older**. (Some accounts like *Student Account* have special terms but Zippay is included.) ([ptsb.ie](https://www.ptsb.ie/help-and-support/help-with-banking/mobile-app-banking-help/zippay-questions-and-answers/?utm_source=openai))  \n- Your mobile number is **verified** with PTSB. ([ptsb.ie](https://www.ptsb.ie/help-and-support/help-with-banking/mobile-app-banking-help/zippay-questions-and-answers/?utm_source=openai))  \n- You have version **12.10 or higher** of the PTSB mobile app. ([ptsb.ie](https://www.ptsb.ie/help-and-support/help-with-banking/mobile-app-banking-help/zippay-questions-and-answers/?utm_source=openai))  \n\n---\n\n### \ud83d\udee0 How to Set Zippay Up\n\nIf you meet the eligibility, here are the steps:\n\n1. Make sure your PTSB app is updated to **version 12.10 or newer**. ([ptsb.ie](https://www.ptsb.ie/help-and-support/help-with-banking/mobile-app-banking-help/zippay-questions-and-answers/?utm_source=openai))  \n2. Open the app and **log in**. ([ptsb.ie](https://www.ptsb.ie/zippay/?utm_source=openai))  \n3. Go to the **\u201cTransfer\u201d** section in the app. ([ptsb.ie](https://www.ptsb.ie/zippay/?utm_source=openai))  \n4. Choose **\u201cZippay\u201d**. ([ptsb.ie](https://www.ptsb.ie/zippay/?utm_source=openai))  \n5. Follow the on-screen directions, including verifying your mobile number. ([ptsb.ie](https://www.ptsb.ie/zippay/?utm_source=openai))  \n\nAfter this, you'll be ready to send, request, or split payments with other Zippay users. ([ptsb.ie](https://www.ptsb.ie/help-and-support/help-with-banking/mobile-app-banking-help/zippay-questions-and-answers/?utm_source=openai))\n\n---\n\n### \ud83d\udcb8 What You Can Do & Limits\n\nOnce set up, features include:\n\n- **Send money** using someone\u2019s mobile number \u2014 no need for IBAN. ([ptsb.ie](https://www.ptsb.ie/zippay/?utm_source=openai))  \n- **Request money** from others. ([ptsb.ie](https://www.ptsb.ie/help-and-support/help-with-banking/mobile-app-banking-help/zippay-questions-and-answers/?utm_source=openai))  \n- **Split payments** among up to **30 contacts** for things like group bills. ([ptsb.ie](https://www.ptsb.ie/zippay/?utm_source=openai))  \n\nLimits:\n\n- Sending: up to **\u20ac1,000/day**. ([ptsb.ie](https://www.ptsb.ie/help-and-support/help-with-banking/mobile-app-banking-help/zippay-questions-and-answers/?utm_source=openai))  \n- Requesting: maximum **\u20ac500 per request**. ([ptsb.ie](https://www.ptsb.ie/help-and-support/help-with-banking/mobile-app-banking-help/zippay-questions-and-answers/?utm_source=openai))  \n\n---\n\n### \ud83d\udd01 Default Account & Contacts\n\n- If you have **more than one current account**, the app picks a **default account** for receiving Zippay payments\u2014usually the one you use most. But you can change it in **Settings & Security**. ([ptsb.ie](https://www.ptsb.ie/zippay/?utm_source=openai))  \n- To send money more quickly, you\u2019ll be asked to give the app **access to your contact list** so it can match your friends who use Zippay. If you decline, you can still use it by manually entering mobile numbers. ([ptsb.ie](https://www.ptsb.ie/zippay/?utm_source=openai))  \n\n---\n\n### \ud83d\udeab Unenrolling & Privacy\n\n- You **can opt out** of Zippay anytime. In the app, go to **Settings & Security \u2192 Unenrol**, or you can do it in-branch or via PTSB phone support. ([ptsb.ie](https://www.ptsb.ie/help-and-support/help-with-banking/mobile-app-banking-help/zippay-questions-and-answers/?utm_source=openai))  \n- If you choose **\"Unenrol and Delete\"**, your details are removed completely; otherwise, they stay, just not used. ([ptsb.ie](https://www.ptsb.ie/help-and-support/help-with-banking/mobile-app-banking-help/zippay-questions-and-answers/?utm_source=openai))  \n- Personal data used (shared with the third party **Nexi**, securely) includes: your name, mobile number, IBAN, and an encrypted combo of date of birth + mobile number. ([ptsb.ie](https://www.ptsb.ie/help-and-support/help-with-banking/mobile-app-banking-help/zippay-questions-and-answers/?utm_source=openai))  \n\n---\n\nIf you like, I can walk you through a sample transaction in your PTSB app (sending or splitting a payment) step by step. Want that?"
    }
]