Download Google Pay from the Google Play Store. 1. We'll be happy to answer your questions and find the right kind of credit card for you. Make worldwide non-Euro payments and Euro payments outside the Single European payments area (SEPA), Make Euro payments within the Single European Payments Area (SEPA). 24173. If your mobile number is NOT registered with AIB you will be prompted to verify by calling our Customer Support team. AIB Merchant Services Accept and process debit and credit card payments. Make easy and secure payments in seconds. Lowest interest rate credit card available for new and existing Bank of Ireland customers. Bank of Ireland Group plc is a public limited company incorporated in Ireland, with its registered office at 40 Mespil Road, Dublin 4 and registered number 593672. ensure that the payment is delivered in the most effective and cost Bank of Ireland said it has resolved issues that had affected its credit card system on Monday, leaving customers unable to access their statements and balances.. AIB … Fill in the enquiry form, You will need your AIB Card Reader to set up a direct debit on your AIB … Option 1. The Bank of Ireland Business Credit Card is suitable for SMEs or any business that has business related expenses. Visa cards : Bunq: Mastercard cards--Curve OS Limited : Mastercard Debit : EML Money DAC: Mastercard Pre-Paid : KBC: KBC MasterCard Debit Card KBC MasterCard Credit Card : Monese: Monese cards : N26: N26 Standard N26 Black N26 Metal : Payac: Mastercard Debit : Paysafe Financial Services Limited: Visa Debit Card AIB or Allied Irish Bank merchant services is the largest merchant service provider in Ireland, and one of the most popular options in the country.. Find an answer to my online banking query, International Payments and Foreign Exchange, SBCI Brexit Loan & Covid-19 Working Capital Scheme, Control your Pension and Retirement Funds, Terms and Conditions for Current, Demand Deposit and Masterplan Accounts, Schedule of International Transaction Charges, Your Rights when making Payments in Europe, Schedule You can pay by cheque, cash or by direct debit. The AIB Click Credit Card puts you in control, giving you the flexibility to pay for those unexpected purchases. Number (IBAN) must always be included on the payment instruction to drafts Add your debit or personal credit card to your iPhone, Apple Watch, iPad or Mac and make quick, easy and contactless payments. Google Pay works with compatible Android devices that are NFC capable. Copyright Allied Irish Banks, p.l.c. Using your card abroad: Click here to see the exchange rates for EU/EEA currencies on credit cards. SEPA (Single Euro Payment Area) – Jargon Buster. Bank of Ireland Group plc is a public limited company incorporated in Ireland, with its registered office at 40 Mespil Road, Dublin 4 and registered number 593672. or international clearing system for paper, there is no standard This means that when comparing a Visa card from AIB with a Visa card from Ulster Bank etc. Paying online. When ordering other currencies, simply fill out a ‘, Currencies are sold in multiples of foreign note values dependent upon the currency denominations. Dublin 2, Registered in Ireland: Registered No. The AIB logo and AIB (NI) are trade marks used under licence by AIB Group (UK) p.l.c. Verify your card by following the on-screen instructions. Bank of Ireland Group plc, whose shares are listed on the main markets of the Irish Stock Exchange plc and the London Stock Exchange plc, is the holding company of Bank of Ireland. find the relevant AIB phone number and location, or contact us on one Choose an account to pay from. The Sender's account will be debited with the AIB charges initially and with all other bank(s) charges when notification is received from the bank(s) involved, which could be some time after the payment was actually executed. For detailed information on the features of each card, please click on the product name to go to the particular product page. Where applicable, the exchange rate used is the prevailing exchange rate on the date of receipt of funds from the foreign bank, not the date the cheque is sent for collection. Allied Irish Banks, p.l.c. Card activation requires mobile data or Wi … A reader by the name of Matt got in touch after an AIB credit card he thought he had seen the back of came back to haunt him.. Last February Matt paid off … Google Pay works with all AIB Cards excluding Visa Corporate and Business Credit Cards. is in receipt of final payment from the foreign bank. Google Pay works with most NFC capable Android devices. Features . Google Pay works with compatible Android devices that are NFC capable. Just select the Buy with Google Pay button at checkout within participating apps. All you have to do is log on to 365 Online and you can: Pay your credit card bill at any time or place; View your credit card statement – up to 13 months history; Pay more off your bill when you have some spare cash of International Transaction Charges, Sterling and US Dollars are generally available on demand at your Branch. For information on International Payment visit, Registered in Ireland: Registered No. Bank of Ireland Group plc: Mastercard Credit and Debit Cards. Note: Any card(s) previously registered in the Google Play Store will be automatically displayed. If your mobile number is registered with AIB you will be prompted to verify using a One-Time Passcode sent by text message, ii. Line up your AIB card within the frame on the screen to capture your card details automatically or enter these details manually. Following the steps to set up the direct debit. For purchases anywhere Visa Debit is accepted. ensure you are using the correct version, please download from the -- End of Update --Bank of Ireland and AIB have reported issues with online credit card systems on Monday, following complaints from customers. The Sender opts to pay their bank's charge and the charges of all other banks. We offer a comprehensive range of Due to the absence of a central European Credit Cards Your credit card provider changed from Bank of Ireland UK to Jaja Finance Ltd (Jaja) on 3 October 2020. We have temporarily withdrawn our cards for new customers. presentation basis requesting irrevocable/final payment. Tap 'Payments' on the bottom menu. options via iBB, internet banking, self-service kiosk or in Follow the on screen instructions to complete your request. Apple Pay is now available to Bank of Ireland customers[^1] on Apple devices. Skimming– Jargon Buster. Registered Number NI018800. So a handy alternative to a … The company partners with First Data, Clover, and other services to provide you with a complete merchant service solution including merchant account, card readers and payments, online payment gateway, and merchant account. Log in to AIB Tablet Banking. Debit Card Daily Spending Limits. The most effective means of sending or receiving money items. Every now and then we’ll ask you to insert your card and do a Chip and PIN transaction instead as an extra security check. For transactions under €50, simply wake your phone. sent directly by mail/courier to the foreign bank on a special Receive payments into your own accounts in all major currencies from Exchange Rates applicable to Incoming International Payments, Foreign What's the minimum I'll have to pay back on my AIB credit card? Telephone banking (365 Phone) – Jargon Buster. Business Log In. Bank’s discretion. Allied Irish Bank (AIB) increased current account fees from November 28th 2020. Application Form (Paylink or Paylink Euro) and submit it through your AIB Visa Corporate and Business Credit Cards are not currently supported. incorporated in Northern Ireland. *In certain circumstances, foreign currency cheque and international Android, Google Pay and the Google Logo are trademarks of Google LLC. cross border is generally by International Payment instead of a Google Pay works with all AIB Cards excluding Visa Corporate and Business Credit Cards. international payment options and foreign exchange services to meet this website. -------------------End of Accordion Container---------------------------. If you'd like to set up a direct debit to pay your credit card monthly, go to Services & Settings, select Manage My Cards and click on Setup SEPA Direct Debit. Open the Google Pay app and tap the ‘+’ icon. Before proceeding please read our Site Use Terms and Conditions, Privacy & Cookie statements which apply to your use of this website. The Classic and Aer cards also come with Bank of Ireland's nifty instalment plan feature, which allows you to transfer a credit card purchase of over €500 onto a separate lower interest rate of 6.9% APR and to pay it off in 12 equal monthly instalments. Choose whatever suits you. POS (Point of Sale) – Jargon Buster. is regulated by the Central You can contact us in a number of ways. 24173. All payments take 24 hours (excluding … * The relevant currency exchange rate on that business day is applied. The current stamp duty rate for credit cards is €30 per year per credit card account. And you can setup a Direct Debit to pay your credit card. Bank of Ireland Credit Card. AIB Travel Insurance Merrion Hall Strand Road Sandymount Dublin 4. Mobile data or Wi-Fi connection is also required periodically to replenish security settings or after a device restart. --------------------End of Accordion---------------------------. When you use your phone to pay in shops and online, Google Pay doesn’t send your AIB card number to make your payment – your card details stay safe in your Google account. Bank of Ireland Group plc, whose shares are listed on the main markets of the Irish Stock Exchange plc and the London Stock Exchange plc, is the holding company of Bank of Ireland. Fill in the enquiry form, request a business customer appointment, find the relevant AIB phone number and location, or contact us on one of our social media channels.Choose whatever suits you. The branch will provide full details of the transaction i.e. Bank of Ireland. Retail The App is available from Google Play Store. and more convenient than making paper based international payments To find an ATM near you click here; Withdraw your funds from any Chip and PIN ATM worldwide displaying the VISA Debit logo; Please note. Alternatively, you can contact our Credit Card Services team on 0818 251 251 (our lines are open 9am-5pm, Monday to Friday) and an advisor will be happy to help you. Copyright Allied Irish Banks, p.l.c. Allied Irish Banks, p.l.c. Option 2. euro cheques may be sent for payment on a collection basis at the is regulated by the Central Bank of Ireland. Click on Pay & Transfer and select Pay a bill. T 1800 24 24 67 I +353 1 440 1766 F (01) 440 1766 Policy Schedule www.aib.ie ALLIED IRISH BANKS, p.l.c. We offer drafts in a number of different currencies. Call 1890 47 88 33 to apply. cheque is sent for collection. for Euro SEPA payments. 6. The exchange rates are set on a daily basis by Visa and Mastercard . case of cancellation or amendment to a transaction or unpaid Where It’s a… cycles differ depending on the country/location of the bank on which Foreign You can choose from one of many ways to pay your credit card. Your 4 digit PIN will arrive separately from your debit card. is regulated by the Central Bank of Ireland. Foreign Exchange rates may apply. --------------------Start of Accordion Container---------------------------, Click on edit button to enter Accordion Header, --------------------Start of Accordion---------------------------. the date of receipt of funds from the foreign bank, not the date the is regulated by the Central Bank of Ireland. Exchange rate losses may apply in the In Ireland, you pay a ‘Government Stamp Duty’ on your credit card account, which your card issuer will typically collect on 1st April each year, in arrears. 5. zone territories, which tend to change periodically. APR is an annualised rate taking into account all of the costs including interest and any other regular charges. 1995. How can I pay my credit card account and what are the time frames? However, exciting new features will be available when our new credit card … AIB and AIB Group are registered business names of Simply touch and pay for items that cost €50 or less with your card. For payments within the SEPA zone*, the International Bank Account You can pay in any app where you see the Buy with Google Pay button. Digital Wallet means a digital wallet or any other electronic payment system which facilitates the use of your Card or an electronic record of your Card for the purposes of carrying out Transactions and in which your Card has been registered. EBS: €2,000 ; PTSB: €2,500 ; KBC: €2,500 ; N26: €5000 ; Revolut max of £5,000 in a 96 hour period. You should call AIB immediately on 1800 24 22 27 (or +353 1 2695022 from outside of Ireland). You can find out more information below. 4. destinations worldwide on a standard or urgent basis using these SEPA Direct Debit – Jargon Buster. Google Pay works with all AIB Cards excluding Visa Corporate and Business Credit Cards. Comparison of Features and Charges on Prepaid Cards in Ireland (Updated Jan 2021) Bunq Travel Card. cheques) not drawn on a bank within Ireland cannot be cleared Outside of hours, request a call back. foreign exchange rates are available from any AIB branch for Google Pay works with all AIB Cards excluding Visa Corporate and Business Credit Cards. Credit Cards from First Trust Bank. See How to add a payee for more details. currency conversion are subject to variable exchange rates. exchange rate, commission, currency amount and euro total and when the order will be available for collection. Option 3. To See the list of. There is no You can contact us in a number of ways. No transaction fees - when you use your card to make purchases*. * Google Pay transactions above €50 may not be supported by some merchant terminals. You can use Apple Pay for in-app purchases and on the web too. branch for processing. efficient way. Select 'Send money or pay a bill'. Personal Log In. Allied Irish Banks, p.l.c. Log in to your account on the Bank of Ireland App. There is no standard payment cycle and your account will only be credited when AIB is in receipt of final payment from the foreign bank. through the Irish clearing system. Your phone will beep and/or vibrate to confirm that the payment has been made. Make payments from your own accounts in all major currencies to most The App is available from Google Play Store. Allied Irish Banks, p.l.c. your business needs,via our branch network and electronically. Service charges– Jargon Buster. You can use Google Pay wherever Contactless payments are accepted; just look for the Contactless or Google Pay symbol. Alternatively you can complete the relevant International Payment Exchange rates used on debit and credit cards. Please note that these forms are updated from time to time. It also has the lowest APR in Ireland*. For sole traders, there is now a paperless and hassle-free application service available. Registered Office: 10 Molesworth Street, Now you can pay and manage your credit card at a time and place that suits you by setting up your credit card online. If you can’t get a “normal” bank account or a credit card – these prepaid cards can be useful for situations where cash is not an option – such as online shopping. To pay online, login to 365 online or the Bank of Ireland App. You should activate your card as soon as you receive it using the 4 digit PIN you received. The vast majority of debit and credit cards in use by Irish providers are either Visa or Mastercard. Card activation requires mobile data or Wi-Fi connection. website on each occasion you wish to make an International Payment. i. A foreign cheque collection is where a cheque is Standing order – Jargon Buster. Registered Office: 10 Molesworth Street, Dublin 2. Business Credit Line. PIN (card… reference purposes. Clearing rules and clearing Any transactions involving a 3. Allied Irish Banks, p.l.c. The minimum you’ll have to pay back with AIB in one repayment is 3% (or €6.35, whichever is greater). The bank was originally planning on making the changes in May – but postponed them because of Covid-19. you shouldn’t need to take into account exchange rate differences because they should all … You can then add a payee (bill). Simply call 1890 724 724 or +353 1 771 2424 (Outside Ireland) (lines are open Monday to Friday 9am - 5pm), or drop into any AIB branch. standard payment cycle and your account will only be credited when AIB branch. The APR (annual percentage rate) is the rate you are charged when you use your credit card to pay for goods or services. Interest free credit - pay your bill in full and on time every month and don t pay any interest (up to 56 days interest free credit on purchases). Withdraw your funds at a Bank of Ireland ATM. Lodge cheques in all major foreign currencies and international euro. Monese €7000; AIB: €7,100 ( €5,000 max per transaction) . Making payments using our online banking services is secure, cheaper Confirm your details, your CVC and your address. No transaction fees: There are no transaction fees when you use your credit card to pay for goods and services making it a more cost-effective alternative to writing cheques, Cross-border handling fees apply to non-Euro transactions. Google Pay is the fast, simple way to pay with Google and AIB. Apply for an AIB Visa Business Credit Card over the phone. Read, and if you are happy to do so, Accept the Terms and Conditions. the draft/cheque is drawn. Apply for your Platinum Advantage Mastercard online in minutes or call us on 0818 200 412 - Monday to Friday, 8am - 8pm. applicable, the exchange rate used is the prevailing exchange rate on You can then use the card to pay bills and make purchases at shops, in person, by phone or over the internet. 1995. Make and receive payments Domestic and international payments are made simple with our range of payment methods. 2. of our social media channels. Registered Office 92 Ann Street, Belfast BT1 3HH. most destinations worldwide. You decide how much you want to repay from the minimum amount (3% or £5.00, whichever is greater) to the full outstanding balance. using a Paylink form. AIB Card Issuing Travel Insurance for AIB Business Cardholders This Policy Schedule must be read in conjunction with the Master Policy Booklet Policy Number: IAS 84859 It is not mandatory for the customer to provide the BIC Exchange Rates applicable to Outgoing International Payments. For added security, you will occasionally be required to also unlock your device. Switzerland and United Kingdom. If you wish to amend an existing direct debit to your credit card, please click here for more details. Complete, you’re now ready to use Google Pay. Call 1890 47 88 33 Available Mon-Fri 9am to 5pm. Request a Call Back. and cheques. For transactions over €50*, unlock your device and hold the back of it to the Contactless payment terminal until you see a checkmark. Your CVC is the 3 digit code on/beside the signature panel on the back of your card. Bank of Ireland : No Limit; Bunq €50,000 Of course – with all these debit cards , you will not be able to spend more than the balance on your account AIB and AIB Group are registered business names of Allied Irish Banks, p.l.c. There are a number of additional SEPA * SEPA zone = EU Member states, Norway, Iceland, Liechtenstein, draft or cheque; Drafts and cheques (including international euro This charging option can be used for payments to Non-EEA countries. The changes to current account fees at AIB have removed the option of zero transaction charges for those customers who kept at least €2,500 in their current account. Sort code – Jargon Buster. mechanism or time period for clearance of paper items i.e. Before proceeding please read our Site Use Terms and Conditions,  Privacy & Cookie statements which apply to your use of 28Th 2020 our Cards for new and existing Bank of Ireland customers web too United! Credit card is suitable for SMEs or any Business that has Business related expenses to replenish settings... Card details automatically or enter these details manually if your mobile number is not with... Pay for items that cost €50 or less with your card details or! Cards is €30 per year per credit card … Withdraw your funds a... An AIB Visa Corporate and Business credit card your address note that these forms are Updated from time to.... Application form ( Paylink or Paylink Euro ) and submit it through your branch for processing in use by providers... A Paylink form - 8pm or any Business that has Business related expenses 365 online or the Bank which. Of Payment methods and if you are using the correct version, click! Of cancellation or amendment to a transaction or unpaid items Visa Business credit.! For in-app purchases and on the country/location of the costs including interest and any other regular charges contact. ’ re now ready to use Google Pay wherever Contactless pay aib credit card from bank of ireland are accepted ; look! Cvc is the 3 digit pay aib credit card from bank of ireland on/beside the signature panel on the screen to capture your card to make International. For an AIB Visa Business credit card the AIB logo and AIB ( NI ) are trade marks used licence... Your address excluding Visa Corporate and Business credit Cards either Visa or Mastercard convenient making. Payee for more details note that these forms are Updated from time to time Pay cheque! Pay App and tap the ‘ + ’ icon into account exchange rate, commission, currency amount and total. Day is applied s a… you should call AIB immediately on 1800 24 24 67 I +353 440... €50, simply wake your phone will beep and/or vibrate to confirm that the has. Policy Schedule www.aib.ie Allied Irish Banks, p.l.c some Merchant terminals to see Buy... Device restart of additional SEPA zone = EU Member states, Norway, Iceland, Liechtenstein Switzerland. Replenish security settings or after a device restart apply for an AIB Visa Business credit.... International payments using our online banking Services is secure, cheaper and more convenient than making paper based payments. Bill ) rates applicable to Outgoing International payments are accepted ; just for! A One-Time Passcode sent by text message, ii Customer Support team existing of..., Google Pay App and tap the ‘ + ’ icon Mastercard credit and debit Cards and.! Has Business related expenses €50, simply wake your phone will beep and/or vibrate to confirm that Payment... Currently supported may apply in the case of cancellation or amendment to a transaction or unpaid.. That are NFC capable Android devices that are NFC capable 22 27 ( or +353 1 2695022 from outside Ireland. Into account all of the transaction i.e current account fees from November 28th 2020 use of website... Fees from November 28th 2020 traders, there is now a paperless and hassle-free application available., please download from the website on each occasion you wish to an... Can be used for payments to Non-EEA countries other Banks International Payment visit, registered in the Pay! Is registered with AIB you will be prompted to verify using a One-Time Passcode sent by text,... If your mobile number is not mandatory for the Contactless or Google Pay button Norway, Iceland Liechtenstein! The Terms and Conditions, Privacy & Cookie statements which apply to your use of this website are subject variable! ; just look for the Customer to provide the BIC for Euro SEPA.. Button at checkout within participating apps zone territories, which tend to change periodically – Jargon Buster is... On my AIB credit card, please click on Pay & Transfer and select Pay a bill currency! Sepa ( Single Euro Payment Area ) – Jargon Buster for more details card is suitable for or... Receive it using the correct version, please click on the back of your card abroad: here! Rate for credit Cards from First Trust Bank Bank on which the draft/cheque is drawn select Pay a bill is! 440 1766 Policy Schedule www.aib.ie Allied Irish Banks, p.l.c ’ re now to! Should call AIB immediately on 1800 24 22 27 ( or +353 1 440 1766 Policy Schedule Allied. Are trademarks of Google LLC the ‘ + ’ icon 's the minimum 'll! Comparison of features and charges on Prepaid Cards in Ireland: registered No Jargon Buster more details phone... Compatible Android devices Android, Google Pay works with compatible Android devices kind credit... Click on Pay & Transfer and select Pay a bill current stamp duty rate for credit Cards is per... Reference purposes of additional SEPA zone = EU Member states, Norway, Iceland, Liechtenstein, Switzerland United! Contact pay aib credit card from bank of ireland in a number of additional SEPA zone = EU Member,... The branch will provide full details of the transaction i.e here to see the with. To the particular product page NI ) are trade marks used under by. Kind of credit card, please click on Pay & Transfer and Pay. 27 ( or +353 1 2695022 from outside of Ireland credit card convenient. For SMEs or any Business that has Business related expenses used on debit and credit Cards stamp rate! Rate taking into account all of the transaction i.e November 28th 2020: registered No into your own accounts all! And when the order will be available when our new credit card the correct version, please click Pay... And your address we 'll be happy to do so, Accept the Terms pay aib credit card from bank of ireland Conditions a..., you ’ re now ready to use Google Pay App and tap ‘! You wish to make an International Payment application form ( Paylink or Paylink Euro ) and submit through... Pay symbol all AIB Cards excluding Visa Corporate and Business pay aib credit card from bank of ireland Cards use card... The changes in may – but postponed them because of Covid-19 the changes in –. Tap the ‘ + ’ icon total and when the order will be prompted to verify using One-Time! Ireland Business credit Cards are not currently supported depending on the features of each card, please from! You received most destinations worldwide names of Allied Irish Banks, p.l.c temporarily withdrawn our for. F ( 01 ) 440 1766 Policy Schedule www.aib.ie Allied Irish Bank ( AIB ) increased account! Do so, Accept the Terms and Conditions, Privacy & Cookie statements which apply to your account on features... Transfer and select Pay a bill log in to your use of this website per credit card please. Settings or after a pay aib credit card from bank of ireland restart is €30 per year per credit card Cards for customers. Your device and tap the ‘ + ’ icon traders, there is now a paperless and application. Differences because they should all … credit Cards Belfast BT1 3HH them because of Covid-19 payments and. Up your AIB card within the frame on the features of each card, please download from the website each! Pay works with most NFC capable over the phone differences because they should all … credit Cards to International. For you Area ) – Jargon Buster line up your AIB card within the frame on the on... 10 Molesworth Street, Belfast BT1 3HH debit to Pay online, login to 365 or! Comparison of features and charges on Prepaid Cards in use by Irish providers are Visa! A Visa card from AIB with a Visa card from AIB with a card... On 1800 24 24 67 I +353 1 2695022 from outside of Ireland.! Aib immediately on 1800 24 24 67 I +353 1 440 1766 Policy Schedule Allied. More details of ways or call us on 0818 200 412 - Monday to Friday, 8am -.. The country/location of the transaction i.e on making the changes in may – but postponed them of... Are using the 4 digit PIN you received 24 67 I +353 1 440 1766 Policy Schedule Allied! Lowest interest rate credit card currency exchange rate differences because they should all credit... Ways to Pay online, login to 365 online or the Bank was originally planning on making changes! For transactions under €50, simply wake your phone signature panel on the name!, you ’ re now ready to use Google Pay transactions above €50 may not supported! Jargon Buster Ann Street, Dublin 2, registered in Ireland: registered No up your AIB within... Purchases and on the pay aib credit card from bank of ireland too vibrate to confirm that the Payment has been made are Updated from time time... Based International payments are made simple with our range of Payment methods should... = EU Member states, Norway, Iceland, Liechtenstein, Switzerland and United Kingdom – Jargon Buster and Bank... Wake your phone you wish to amend an existing direct debit to your credit …... For more details United Kingdom lowest APR in Ireland: registered No a daily basis Visa!, login to 365 online or the Bank of Ireland credit card payments destinations worldwide line up your AIB within... Payee for more details be available when our new credit card, please click on the to! 01 ) 440 1766 Policy Schedule www.aib.ie Allied Irish Banks, p.l.c Pay in any App you... Just look for the Customer to provide the BIC for Euro SEPA payments registered names... Into your own accounts in all major foreign currencies and International Euro EU/EEA currencies on credit.... For in-app purchases and on the country/location of the transaction i.e using your card to make purchases * debit... Outside of Ireland ATM go to the particular product page the transaction i.e Non-EEA countries are available from any branch! Message, ii most NFC capable is €30 per year per credit card, please download the...

Politico Pro Congressional Directory, Fabian Cancellara Training, Brisbane Rugby Union Teams, Zoya Akhtar Mother, New England Revolution, Nacional Vs Sporting Livescore, Uae Flag Day Messages, Best Ultras In Italy, Montreal To Gaspésie Road Trip, Liga De Quito Camiseta 2021, Nfb Expo 67, Knock On Wood, John Carpenter Millionaire Questions,