These Supplementary Terms apply when you choose to access selected new features introduced through AI Stella as part of our beta programme (“Beta Features”).

AI Stella is our existing conversational banking assistant. Its standard chat features will remain available whether or not you join the beta programme. Only the new features clearly identified as Beta Features are covered by these Supplementary Terms.

Before joining, please remember:

• Joining is optional. If you do not join, you can continue using AI Stella’s standard chat features and our usual banking services.
• Joining gives you early access to new AI-powered features, including asking AI Stella to help prepare a payment from your conversation or from a supported image or document.
• AI Stella will not send a payment merely because you have asked it to do so in the chat.
• Before a payment is submitted, you must review the final payment details and separately approve and authenticate the payment.
• Beta Features are still being tested and improved. They may occasionally misunderstand a request, extract information incorrectly, be unavailable or not work as expected.
• You can leave the beta programme at any time. Leaving will not cancel a payment or instruction you have already approved and submitted.

1.1 These Supplementary Terms govern your participation in the AI Stella – New Features Beta Programme (the “Programme”) offered by iFAST Global Bank Limited (“iFAST Global Bank”, “we”, “us” or the “Bank”).

1.2 They supplement the terms and conditions applied to your iFAST Global Bank Digital Personal Banking Terms and Conditions (“Main Terms”).

1.3 The Main Terms continue to apply. If there is any inconsistency, these Supplementary Terms will apply only to your use of the Beta Features and only to the extent of that inconsistency.

1.4 Nothing in these Supplementary Terms limits any rights or protections you have under applicable law or regulation.

2.1 The Programme is available to selected Digital Personal Banking customers who hold an eligible iFAST Multi-Currency Current Account.

2.2 You must choose to join the Programme and accept these Supplementary Terms before using the Beta Features.

2.3 If you do not join the Programme, or if you later leave it, you can continue using AI Stella’s standard chat features and our usual banking services.

2.4 Joining the Programme does not guarantee access to every Beta Feature. Different features may be introduced gradually and may have different eligibility requirements.

2.5 We may change or remove your access if you no longer meet the relevant eligibility requirements or if we reasonably consider this necessary for security, fraud prevention, legal, regulatory, technical or operational reasons.

2.6 Each Beta Feature will remain in beta until we withdraw it, make it part of our standard service or replace these Supplementary Terms with other applicable terms. Where appropriate, we will let you know when this happens.

3.1 Beta Features may use artificial intelligence and other technology to:

3.2 AI Stella may misunderstand your request or produce or extract information that is incomplete, inaccurate or out of date. For example, it may identify the wrong person or incorrectly extract an account number, payment amount, currency, payment date or reference.

3.3 If your request is unclear or incomplete, AI Stella may ask you for more information, ask you to select between possible options or direct you to our standard banking journey.

3.4 AI Stella does not provide financial, legal, tax or investment advice. Information provided through AI Stella should not be treated as a recommendation that a payment or other transaction is appropriate, genuine or safe.

3.5 The Beta Features cannot be used to avoid or interfere with our payment limits, security checks, fraud controls, account restrictions or other applicable requirements.

• Understand requests entered into AI Stella;
• Ask for information needed to prepare a banking instruction;
• Identify a payee from the information you provide;
• Extract payment information from a supported screenshot, photograph, receipt or document; and
• Pre-fill payment details for you to review.

4.1 You may be able to ask AI Stella to help prepare a payment:

4.2 AI Stella helps to prepare the payment only. A chat message, image or document submitted to AI Stella is not, by itself, an instruction to execute a payment.

4.3 If more than one saved payee could match your request, AI Stella may ask you to select the intended payee. You should not assume that a first name, nickname or other informal description will identify the correct person.

4.4 Before submitting a payment, we will show you a separate payment review screen. You must carefully check all the details shown, including, where applicable:

4.5 If any information is incorrect or does not match your intended payment, you should not approve the payment. You should correct the information or cancel the payment and start again.

4.6 Your payment instruction is given only when you approve the final payment details and complete the authentication or security steps presented to you.

4.7 If any payment details are changed after you have reviewed them, the updated details must be shown to you for a fresh review and approval before the payment can be submitted.

4.8 Once you have approved and submitted a payment, it will be treated in the same way as a payment submitted through our standard payment journey. The Main Terms, including the provisions concerning execution, refusal, cancellation and payment limits, will apply.

4.9 Approval does not guarantee that a payment will be executed. We may delay or refuse a payment, or request further information, in accordance with the Main Terms and our legal, regulatory, fraud-prevention and security obligations.

4.10 If AI Stella or the app does not clearly confirm whether a payment has been submitted, you should check your transaction history before trying again. This can help avoid submitting the same payment more than once.

• Through a conversational request, such as asking AI Stella to prepare a payment to a particular person; or
• By uploading a supported image or document containing payment details.

• The payee’s name;
• The sort code, account number, IBAN or other account identifier;
• The payment amount and currency;
• The payment date;
• The payment reference;
• Any applicable fees; and
• Any applicable exchange rate and the amount to be converted.

5.1 You must follow the security and authentication steps shown in the iFAST Global Bank app.

5.2 Never provide AI Stella or anyone else with your:

5.3 Only upload an image or document if you are entitled to use and share the information it contains. You should avoid including personal, confidential or sensitive information that is not needed to prepare your instruction.

5.4 An image or document containing payment details is not evidence that the payment request is genuine. You remain responsible for deciding whether you know and trust the intended payee.

5.5 If someone asks you to move money urgently, keep the payment secret, ignore a fraud warning or misrepresent the reason for the payment, stop and contact us before proceeding.

5.6 Please tell us promptly if you notice an incorrect or duplicate payment, suspicious activity or a problem with a Beta Feature.

• Password or PIN;
• Digital Token passcode;
• One-time password or verification code;
• Full card security details; or
• Any other information that we tell you must be kept secret.

6.1 When you use a Beta Feature, we may process your conversations, instructions, feedback and any images or documents you upload in order to:

6.2 More information about how we collect, use, retain, share and protect personal data, and the rights available to you, is set out in our Privacy Policy: Privacy Policy

6.3 Our Privacy Policy will also explain, where relevant, whether information from AI Stella conversations or uploaded content may be accessed or processed by our technology service providers, or used to test, evaluate or improve the technology supporting AI Stella.

6.4 You should not include unnecessary personal, confidential or sensitive information in a chat or attachment.

• Provide the requested feature;
• Prepare and process your banking instruction;
• Prevent and detect fraud, misuse or security threats;
• Comply with our legal and regulatory obligations; and
• Monitor, test and improve the accuracy, safety and performance of AI Stella.

7.1 The Beta Features are still being tested and improved. They may contain errors and may occasionally be slow, unavailable or not work as expected.

7.2 We do not guarantee that a Beta Feature will always be available, remain unchanged or become part of our standard banking service.

7.3 We may add, change, limit, suspend or withdraw a Beta Feature where reasonably necessary, including for testing, maintenance, security, fraud prevention, legal, regulatory, technical or operational reasons.

7.4 We may need to take immediate action without advance notice where this is necessary to protect customers, the Bank or the security and integrity of our services. Where appropriate, we will tell you about a material change that affects your use of a Beta Feature.

7.5 We may update these Supplementary Terms where reasonably necessary to:

7.6 We will give you reasonable notice of a material change to these Supplementary Terms where required and where it is reasonably possible to do so. If you do not wish to accept a change, you can leave the Programme before it takes effect.

• Reflect changes to the Programme or Beta Features;
• Improve security or customer protection;
• Comply with law, regulation or regulatory guidance;
• Reflect changes in technology or our systems; or
• Clarify these Supplementary Terms or correct an error.

8.1 We may restrict or remove your access to a Beta Feature if we reasonably suspect fraud, misuse, manipulation, unlawful activity or conduct that could harm the Bank, another person or the operation or security of our services.

8.2 Restricting or removing access to a Beta Feature will not normally affect your ability to use AI Stella’s standard chat features or our usual banking services.

8.3 Any decision to restrict, suspend or close your Account will be taken separately and in accordance with the Main Terms and applicable law and regulation.

9.1 The Beta Features are provided with the limitations explained in these Supplementary Terms. We do not promise that they will always be uninterrupted or free from errors.

9.2 We remain responsible for providing our banking and payment services in accordance with the Main Terms and our obligations under applicable law and regulation. The Bank shall not be liable for any indirect or consequential loss arising from or in connection with your use of the Beta Features.

9.3 Nothing in these Supplementary Terms excludes or limits our responsibility where it would be unlawful to do so. In particular, joining the Programme does not remove or reduce any rights you may have concerning unauthorised payments, incorrectly executed payments, fraud or scams.

9.4 If you believe something has gone wrong, contact us as soon as possible so that we can investigate and, where possible, take appropriate action.

10.1 You can leave the Programme at any time using the option available in the iFAST Global Bank app.

10.2 After leaving, you can continue using AI Stella’s standard chat features and our normal banking journeys, but you will no longer have access to the Beta Features.

10.3 Leaving the Programme does not cancel, reverse or otherwise affect a payment or other instruction that you have already approved and submitted.

10.4 These Supplementary Terms will automatically cease to apply if your Account is closed, except for any provisions that are intended to continue after closure.

11.1 We may invite you to provide feedback about the Beta Features. Providing feedback is optional, but it can help us improve AI Stella.

11.2 If you are unhappy with a Beta Feature or how we have handled a payment, you can contact us or make a complaint in accordance with the complaints section of the Main Terms.

12.1 These Supplementary Terms form part of the agreement between you and iFAST Global Bank.

12.2 Except as expressly stated in these Supplementary Terms, all provisions of the Main Terms continue to apply.

12.3 These Supplementary Terms are governed by the laws of England and Wales and shall be subject to the jurisdiction of the courts of England and Wales

If you need help, please contact us at clienthelp@ifastgb.com or through online chat or online call.

Our customer service hours are:

Weekdays: 1:00 am to 11:00 pm GMT, or 2:00 am to 12:00 midnight BST

Weekends: 8:00 am to 12:00 noon GMT, or 9:00 am to 1:00 pm BST