TEXT ALERTS. Keeping track of your money 24/7

Transcription

1 TEXT ALERTS Keeping track of your money 24/7

2 Contents Types of text alerts 1 Managing your text alerts 3 Mobile Banking 5 Terms and conditions 6

3 I like to keep on top of my finances Our variety of alerts can help you manage and keep track of your money. Limit alerts We can send you a text to let you know when you re near or over your account limit, to help you avoid any Unplanned Overdraft fees. If you do go over your limit, make sure you pay in enough money to cover all your payments by 3.30pm (UK time) the same day and you won t pay any Unplanned Overdraft fees. High and low balance alerts With high and low balance alerts you can keep track of how much money is in your account. The alert will be sent out when your account reaches a high or low amount previously specified by you. When there s extra money in your current account we ll send you a high balance alert so you can move money into your savings account. We can also send a low balance alert so you can make sure you have enough money in your account to cover your outgoings. 1

4 Overseas transaction alerts For added security, if your Visa debit card is used abroad, we ll text to tell you whether it was a purchase or withdrawal from a cash machine. Weekly balance alerts Choose the weekday and time you d like us to send you a weekly text with your balance and last six transactions and we ll set it up for you straight away. Under 19s Account If you re aged 11 15, with an Under 19s Account, you can apply for weekly balance alerts and overseas transaction alerts. Come into a branch with a parent or guardian to register. Credit card alerts If you hold a credit card with us and have signed up to any of our text alerts, you ll automatically receive a text to let you know a payment has been applied to your credit card. You need to be 18 years or over and have a personal current account with us. 2

5 Text messaging service Pausing or stopping text alerts You may cancel, pause or change your text services at any time. You may want to pause your text alerts when you go abroad. Your mobile operator may charge you for receiving text messages abroad, so you should check with them before you travel. Check whether you re allowed to receive financial or encrypted information through your mobile phone while you re abroad. Changing your mobile number It s important you let us know if you change your mobile number. If your mobile phone number changes, you can let us know by updating it via Internet Banking, calling us on or visiting us in branch. 3

6 Text services We generally send text alert messages on weekdays (except for Bank Holidays); however, we will send you overseas transaction alerts whenever a transaction is made abroad, even at the weekends. You won t receive more than three overseas transaction alerts in a 24-hour period. Limit and balance alerts We ll only send you near limit alerts or high and low balance alerts on the first day your closing balance exceeds the limit set. Before you register for any of the text alert services you ll need a Lloyds Bank personal current account and your mobile phone will have to be active and in your possession, and the number you ve registered will need to be up to date. 4

7 Mobile Banking Stay up to date on the go You can also access your accounts directly from your mobile, and manage your money on the move. You do need to be registered for Internet Banking to use our Mobile Banking service. Download our Mobile Banking app or log on to Mobile Banking through your phone s web browser. You can view your Lloyds Bank UK personal current and savings accounts, transfer money and make payments. We ve optimised the site for large screen mobiles to make it easier to use. We don t charge you for Mobile Banking services but your mobile operator may charge you for some services, so please check with them. Services may be affected by phone signal and functionality. The Mobile Banking app s Branch and ATM finder is available to all. Other Mobile Banking services are only available to our UK personal customers and registration may be required. Terms and conditions apply. FIND OUT MORE Visit lloydsbank.com/ onthemove to discover what Mobile Banking has to offer. 5

8 Terms and conditions About our text alerts In these terms, you are the customer registered for text alerts. We are the Lloyds Banking Group company providing your account. These terms are in addition to Your Banking Relationship with us and the terms of your account. Our text alerts allow us to send you information about your personal current accounts and credit cards (including those in joint names) to your mobile phone. Our range of text alerts Overseas transaction alert (Minimum Age 11) Important information When your debit card has been used to obtain cash, or authorise a payment outside the UK (excluding purchases made on websites, by telephone or mail order from overseas companies). These texts can be sent anytime, 24 hours a day, seven days a week, although we will not send more than three alerts in any 24-hour period. You must have a Visa debit card on your account. Customers aged must have an Under 19s Account. We are usually notified by overseas banks/ retailers when your card is used, but this may vary depending on the country where your card is used. Credit card payment alert (Minimum Age 18) Important information Once after a payment is applied to your credit card. The text is sent before 10am UK time Monday Friday (excluding Bank Holidays). You must be registered for at least one other text alert. Once you are, you will automatically receive these alerts. 6

9 Limit alerts If you register for limit alerts, we will send you both near limit and over limit alerts. These alerts allow you to increase available funds in your account. You can contact us to find out how much you need to increase your available funds by. Near limit alert (Minimum Age 16) Once on the first day that you have less than 50 of available funds in your closing account balance. The text is sent before 10am UK time Monday Friday (excluding Bank Holidays). Over limit alert (Minimum Age 16) Important information Once each day that you do not have enough funds in your account for payments due out that day. These texts are sent before 10am UK time Monday Friday (excluding Bank Holidays). Having received an over limit alert: If a standing order triggered that alert, and you increase the available funds by 3.30pm (UK time) the same day, we will not charge you for having returned the standing order or for having given you an Unplanned Overdraft to cover it; or If another type of payment triggers that alert, you can increase the available funds by 3.30pm (UK time) the same day in order to cover the payment. Otherwise, we may return the payment or agree to give you an Unplanned Overdraft to cover it. Balance alerts Weekly balance alert (Minimum Age 11) Important information Once a week, Monday Friday, on the day and time you choose (excluding Bank Holidays). This alert shows your account balance and up to the last six transactions. Customers aged must have an Under 19s Account. High balance alert (Minimum Age 16) Once on the first day your closing account balance equals or exceeds the limit you have set. The text is sent before 10am UK time Monday Friday (excluding Bank Holidays). Low balance alert (Minimum Age 16) Once on the first day your closing account balance equals or is less than the limit you have set. The text is sent before 10am UK time Monday Friday (excluding Bank Holidays). 7

10 General Is there a charge for text alerts? Can I register more than one mobile number for text alerts? Key things to remember Liability Pausing text alerts We don t charge but your network operator may charge for some services (e.g. receiving text messages when you re abroad) so please check with them. No. You can register only one mobile number for text alerts (which must be registered with a UK network operator). This will apply to all your personal accounts with us. Joint account holders can each register independently. They are designed for use in the UK. It may be unlawful to use or receive them in some countries. If it is, you should pause the alerts you receive. You are responsible for complying with local laws and for losses that result from you breaking them. You are responsible for making sure no-one has access to confidential information shown on or stored in your mobile phone. They are sent once and can t be sent again. They are accurate when they are created by our systems. Funds available in your accounts may change before and after you receive them. You may not be able to access or receive them when we or our suppliers are repairing, updating and doing routine maintenance to systems used to provide this service. There may be a slight delay between registering for them and them becoming active on your account. We will not be liable if text alerts are unavailable at any time, or if you do not receive an alert promptly or at all for reasons in your control (e.g. your phone is switched off, out of range or roaming, or has changed, been lost or stolen). If we do not provide text alerts (other than as a result of reasons set out above), or we provide text alerts that are inaccurate, we will only be liable for charges on your account that you could otherwise have avoided paying. You can pause text alerts for all your accounts (other than the credit card payment alert) online through Internet Banking, by calling or visiting us in branch. 8

11 Cancelling registration If you want to stop receiving text alerts: Log on to Internet Banking to manage your choices. Call or visit us in branch. If you want to stop receiving credit card payment alerts, text ENDCC to To reactivate them, text REGCARD, space and the last 4 digits of your credit card to This will not affect any other alerts you receive. Can we change or end this agreement? Yes. If we give you at least 60 days notice, we can change these terms and conditions, introduce or change charges, or end this agreement. Security What do I do if I change my mobile number, or my phone is lost or stolen? You must tell us immediately by logging on to Internet Banking and updating your details. If you are not registered for Internet Banking, call our helpdesk on (for UK accounts). If you fail to do so: You will not receive your text alerts. We will continue to send text alerts to your old device or number until you tell us. We will not be liable if someone else finds out your account information as a result of not updating us. Other information All information we give you and all communications between us will be in English. These terms and conditions are governed by the law that applies to the account you are accessing (e.g. if English law applies to your account, English law will apply to your use of text alerts). The courts of that jurisdiction will also be able to deal with any legal questions connected with these terms. Third parties may impose other costs or taxes in connection with text alerts. We may choose not to enforce or rely on one or more of these terms at any time, but we reserve the right to start applying them again at any time. You may contact us about text alerts by calling (7am 10pm Monday Friday, 9am 6pm Saturday and Sunday) or visiting any branch (if your account is held in the UK), or by calling (if your account is held with us outside the UK or with Worldwide Service). For other contact details and information about how we are regulated, please see lloydsbank.com 9

12 Register for text alerts Go to lloydsbank.com Call us on Visit your local branch Please contact us if you d like this information in an alternative format such as Braille, large print or audio. If you have a hearing or speech impairment and would prefer to use a Textphone, please feel free to call us on (lines open 24 hours a day, seven days a week). If you are Deaf and prefer to use BSL then you can use the SignVideo service available on our website: lloydsbank.com/signvideo.asp Important information Your call may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service. We don t charge you for Mobile Banking services but your mobile operator may charge you for some services, so please check with them. If you need to call us from abroad, or prefer not to use our 0845 number, you can also call on Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration No We are covered by the Financial Services Compensation Scheme (FSCS). Information correct as at September M58270 (11/13)