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It does what it says on the tin - it will get a BIC / IBAN for you.

IPSO have launched a smartphone app which allows you to enter an NSC and account number (Irish accounts) on your phone and get back the correct BIC / IBAN. For instructions on downloading the app go to this link. The service guarantees a correct IBAN provided the account is reachable for SEPA.

You can download a smartphone app Get My IBAN here

I would say not. Prior to SEPA direct debits only arrived in the debtor bank on the day before they were due to be debited, SEPA changed this to 5 days but its now proposed to revert back to one day over the next year or two.

Under the SEPA Schemes direct debits must be in the debtor bank 5 days before the debit is due for debiting. Your German bank obviously use this time to advice of the pending debit.

The SEPA rules don't mandate that your bank notifies you in advance. The Creditor, the company debiting your account, must advise you

Regulation 260/2012 Article 9.2 makes it perfectly clear that payee's (in this case Ulster Bank) cannot dictate the member state in which a payment account must be located. Go back to them and quote this regulation.

Check that you are using the correct BIC / IBAN for your AIB account - you can validate it here on the IPSO website https://ipsosepaservice.sentenial.com/ipso/ If it is valid then AIB should be capable of tracing the payment.

Have it paid in electronically and then there is no delay once the money is in the account.

Monies transferred electronically to your bank account are irrevocable under legislation. They can only be reversed with your authorisation. Electronic transfer is more secure, quicker and cheaper than bank draft.

The SEPA Regulation 260/2012 Article 9 clearly states that a payer or payee cannot specify the member state in which a payment account is to be located. It is open to have your salary paid into and direct debits collected from an account in any member state. To insist that a salary or DD must...

Irish Bank NSC & Account Numbers are not always unique and none of the IBAN calculators availbale on the internet are approved. I agree with Gulliver to be 100% accurate check your bank statement or ask the beneficiary for the BIC and IBAN

I believe that the BACS reference will appear on the beneficary. On Q2 its probably best to check with SAGE

Bacs reference I imagine is your reference of the payment Question 2 - you should definitely use BIC and IBAN because all payments both domestic and cross border will have to use BIC / IBAN from Feb 2014.

Look what happened when all the 'new' competitors entered the Irish market in the early 2000's - and look at the disaster they left behind. With proper regulation we can still have a very competitive banking offering with a small number of banks. Bear in mind we are a small country with a small...

Go to your bank and tell them that the DD is unauthorised and ask them to refund you and claim the money back from the phone company.

Ask them to make a SEPA euro payment directly to your account. Provide them with your BIC and IBAN - available on your bank statement. The money will be in your account the day after the transfer is initiated and will be cleared funds.

Did Lloyds provide the necessary evidence that AIB actually received the payment.

I am confused as to how Ulster Bank are nor part of this. Initially it was Lloyds and AIB who were involved in the payment.

If money is transferred electronically into your account there is NO delay in the money being available. The delay only relates to where you lodge a cheque to your account. If the transfer was made before 3 pm yesterday it should be in the account this morning and the funds will be cleared...