No. They are not authorised to operate
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Allied Irish Bank is one of the largest branch networks in Ireland. You can apply for an account online. Allied Irish Bank has a website in which more informaton can be gathered.
One may get a loan from Allied Cash Advance by visiting them in person. Some information will be collected and they will approve the same day. They also offer online services for these loans.
Yes, Universal banking is commercial banking itself. However, Universal bank does more than a commercial bank. Universal Bank are what we call the "expanded commercial bank" (EK). Commercial banks are limited to allied banking only whereas a universal bank does allied and non-allied banking transactions.
No it isn't criminal. But any allied intent to defraud - say you lied on the application or such...is.
This sort code belongs to Allied Irish Bank. This code is assigned to the Sparkhill branch, located in Birmingham.