Terms and Conditions Business On Line Conditions of Use - ROI Business On Line Handbook - ROI Terms of Business Business On Line brochure - ROI We are in the process of making some changes to our Business On Line Conditions of Use – ROI which will be effective from 14 August 2025. The changes we have made are to reflect our obligations under the SEPA Instant Credit Transfers Regulation 2024, to introduce two new services called SEPA Instant and Verification of Payee (VOP), and to help prevent fraud on your account. The updated Business On Line Conditions of Use – ROI and A guide to upcoming changes to Business On Line Conditions of Use are available here: Business On Line Conditions of Use – ROI effective 14 August 2025 A guide to upcoming changes to Business On Line Conditions of Use