Select Silver Account. The essential guide to your new account

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Select Silver Account. The essential guide to your new account"

Transcription

1 Select Silver Account The essential guide to your new account

2 The RBS Customer Charter Renewing our commitments to you We want to become Britain s most Helpful Bank. That s why we launched our Customer Charter a set of commitments based on what you told us is important to you. We re working hard to live up to these commitments, striving to provide you with products and services you want and need. We ve made progress and laid some strong foundations, but there s more to do. This year, the Customer Charter has become even more relevant to our customers. The commitments fall under the following themes: Our staff will always put you first We will do more to help when you need us most We will provide convenient and quick service We will help support local communities Our progress will be assessed and we ll publish the results so you can judge our performance for yourself. By continuing to do what our customers really want, we are committed to become a more Helpful Bank. To read our Customer Charter go to rbs.co.uk/customercharter

3 Contents What can I expect as a Select Silver Account customer?...4 Which benefits would I need to register for?...6 Which benefits do I get without having to register?...8 Which other services should I register for?...10 What s already included?...13 Common questions...15 What do I do next?

4 What can I expect as a Select Silver Account customer? As well as everyday banking services, your Select Silver Account also includes protection and lifestyle benefits from travel and mobile phone insurance to film and music downloads which could help you save money. You ll need to register for some of the benefits, others you ll get automatically. The next few pages tell you about the benefits. If you want to know more, and get full details of all the terms and conditions, take a look at the extra information enclosed. If you are a new customer, or have upgraded from our Basic Account, you should have already received your new debit card and PIN so you have everything you need to start using your account. If you haven t received either of these yet, please call us on (Minicom ). 4

5 Your benefits at a glance: 5 Star Defaqto rated European Travel Insurance annual cover for you and your joint account holder (if you have one), for unlimited trips of up to 22 days travel within Europe, including winter sports. If you are aged 70 or over, you must call Membership Services each year. You will be required to pay an annual premium of 50 per account and be medically screened. If you have a pre-existing medical condition you must call Membership Services for screening. You may be required to pay a premium for cover, or we may decide not to cover you for this condition. Mobile Phone Insurance covers your mobile phone (including iphone and BlackBerry) for an unlimited retail value (excluding embellishments) against loss, theft, damage or breakdown wherever you are in the world. It also covers unauthorised calls of up to 2,500 (including VAT) per claim for monthly contract phones and up to 100 (including VAT) per claim for pay-as-you-go customers. Identity Theft Assistance a fraud prevention and resolution service, including credit report monitoring provided by Experian, which will provide you with unlimited access to your credit report and a facility to set up text and alerts to tell you about any changes to your credit status. hmvdigital Music Downloads each month you can download up to five tracks compatible with your computer, ipod, MP3 player or phone. (hmvdigital s terms and conditions will apply.) LOVEFiLM DVD Rentals every month you can choose three DVDs from over 70,000 movies including new releases and old favourites. Each month you can also get up to two hours of entertainment streamed direct to a computer, PS3 or TV connected to the internet. (LOVEFiLM terms and conditions will apply). Travel Money You qualify for preferential exchange rates and complimentary home delivery on your travel money for orders over

6 Which benefits would I need to register for? As a Select Silver Account customer you have access to the Select Silver Membership Services area on the RBS website. Here you ll find details of all the benefits your account offers you and points out the ones you need to register for. It also gives the full terms and conditions of your benefits. Identity Theft Assistance Identity theft can be expensive it can also cause months of hassle. As a Select Silver Account customer you and your joint account holder (if you have one) can get the support you need should you fall victim to identity theft. Your credit report is monitored by Experian. They provide you with unlimited access to your credit report and you can set up text and alerts to tell you about any changes to your credit status. All account holders will need to register to benefit from this service. Valuable document registration lets you keep important information, such as your passport number or details of insurance policies in one secure place. If you lose them, we can give you all the details. Personal support if you fall victim to identity theft, a dedicated caseworker will help you restore your credit status. CIFAS registration your details are registered with CIFAS (the UK s fraud prevention service). If you are a victim of identity theft, an optional alert can be placed on your credit file to ask for extra security checks on future applications for credit to make sure they re genuine. Please read the Select Silver Account Benefit Terms in your folder for full details. 6 Register now at rbs.co.uk/silveraccountbenefits or call (Minicom )

7 hmvdigital Music Downloads Each month you can download up to five tracks that are compatible with your computer, ipod, MP3 player or phone. Choose from over 13 million tracks from your favourite artists, including new releases. There is a secure back up of all your music downloads so if you lose your music files you can download them again. You can also pay for extra singles or albums from this site so you now have a one-stop-shop for all your music. Please remember that you can only get this benefit online and if you do not use all of the five tracks in a month, you can t carry them over to the next. For full terms and conditions of the hmvdigital Music Downloads please refer to the Select Silver Account Benefit Terms included in your folder or check online at rbs.co.uk/silveraccountbenefits LOVEFiLM DVD Rentals As a Select Silver Account holder you can register online with LOVEFiLM, make up your My Rentals List and start enjoying their great range of movies and TV shows. Choose three DVDs to rent each month they will send you one disk at a time. Delivery straight to your home and no delivery or return costs to pay. Choose from over 70,000 DVD and Blu-ray titles. Up to two hours of streaming direct to your computer, internet TV or PS3 each month. Download the LOVEFiLM app onto your iphone so you can manage your viewing preference on the move. For all terms and conditions relating to the LOVEFiLM subscription please refer to the Select Silver Account Benefit Terms included in your folder or check online at rbs.co.uk/silveraccountbenefits Register now at rbs.co.uk/silveraccountbenefits 7

8 Which benefits do I get without having to register? 5 Star Defaqto rated European Travel Insurance As a Select Silver Account customer you ll get annual European travel insurance rated 5 Star by Defaqto, the independent financial research company. This covers you and your joint account holder (if you have one), for trips each year of up to 22 days of travel in Europe. The policy provides: up to 10 million cover for medical expenses; and cover for winter sports trips. Optional upgrades are also available for a fee, just call (Minicom ). If you are aged 70 or over, you must call Membership Services each year. You will be required to pay an annual premium of 50 per account and be medically screened. If you have a pre-existing medical condition you must call Membership Services for screening. You may be required to pay a premium for cover, or we may decide not to cover you for this condition. Your policy document is included in your welcome folder. Although you get this benefit automatically, you can still check the details at rbs.co.uk/silveraccountbenefits Travel Money To make life easier, you can buy foreign currency and travellers cheques using our Travel Money service. As a Select Silver Account customer, you ll get access to preferential rates which will help your holiday money go further. You can also get your order delivered direct to your home or any RBS branch whichever is easier for you. You qualify for preferential exchange rates and complimentary home delivery on your travel money for orders over 100. To enjoy these benefits please visit rbs.co.uk/silveraccountbenefits or call Membership Services on (Minicom ). 8 Register now at rbs.co.uk/silveraccountbenefits

9 Mobile Phone Insurance Your Select Silver Account mobile phone insurance covers your mobile wherever you are. If you have a joint account, you get cover for up to two phones and you can each make a maximum of up to 2 successful claims in any rolling 12 month period. You do not need to register for this benefit, however you can and this may make the claims process easier for you. Unlimited replacement value (excluding embellishments.) You must pay an excess of 75 for handsets towards the claim. Covers loss, theft, accidental damage and breakdown including water damage, liquid and malicious damage, as well as electrical or mechanical faults. Unauthorised calls cover up to 2,500 (including VAT) for monthly contracts and 100 (including VAT) for pay-as-you-go customers. Worldwide protection wherever you are in the world, you re covered. Repair or replacement will be arranged when you return to the UK. All claims must be reported within 60 days of the loss, theft, damage or breakdown being discovered, unless you are outside the UK in which case you must report the claim within 60 days of returning to the UK. Accessory cover up to 250 (including VAT) a claim for any accessories that are lost, stolen or damaged at the same time as your phone. Accessories include chargers, cases, earphones and memory cards. Please read the Select Silver Account Benefit Terms in your folder for full details. Your cover will start immediately after you open your account. 9

10 Which other services should I register for? There are a number of ways to bank with us but you ll need to sign up for them. This is well worth doing because they ll let you do a lot of your everyday banking without needing to visit a branch. Digital Banking With Digital Banking you can manage your money 24 hours a day, 365 days a year, by visiting rbs.co.uk You can: check your balance view your statements online and search back up to 7 years make transfers between your accounts pay bills and other people view and manage Direct Debits and standing orders. Keeping you safe and secure Our priority is to make banking online or on your mobile as safe and secure as possible. That s why we made our commitment to you. You re protected by our Online and Mobile Security Promise we will refund money lost from your account if we find you have been a victim of banking fraud. It s our commitment to you and gives clear guidance on what you need to do to protect yourself. To find out more about our security promise and steps to stay secure please go to rbs.co.uk/promise Our free Rapport security software also provides an additional layer of security. It works in conjunction with other anti-virus software installed on your computer. Download it for free at rbs.co.uk/rapport All you need to register for Digital Banking is your account number, sort code and debit card number. Go to rbs.co.uk/digital and follow the instructions on screen. 10

11 System updates mean that Digital Banking is unavailable for short periods in the early hours of the morning. Telephone banking Wherever you are home or abroad you can use telephone banking at any time of the day or night. And all you pay for is the call. You can choose our quick and easy automated service or talk directly to one of our Customer Service team. Get up-to-the-minute balances and statements. Make instant transfers between your RBS accounts, pay bills and make payments. Manage Direct Debits and standing orders. Get information on our wide range of financial services. To register call (Minicom ). All our telephone banking centres are in the UK with staff on hand to help 24 hours a day, 7 days a week. Mobile banking There s an easy way to stay in touch with your finances even when you re out and about using your mobile. We ve developed Mobile Banking for BlackBerry, Android, iphone and ipad. If you download one of our free apps you can do the following: Pay your friends, family, credit card or utility bills just set up and make your first payment to each new payee in Digital Banking beforehand. Move money between your accounts transfers are processed immediately and your balances are updated. Check balances and statements view an up-to-the-minute account balance and recent transactions for all your accounts that you manage using Digital Banking. Near me Find your nearest RBS branch or cash machine. Mobile phone top-up if you have a pay-as-you-go mobile you can top it up and up to four others too. continued overleaf 11

12 To take advantage of our Mobile Banking service you will first need to register for our Digital Banking service, to find out more and register, visit rbs.co.uk. Users need to be at least 11 years of age. Remember, standard network message and data rates apply when using the service, and sometimes extra network charges can apply when you use the service abroad. It s important to check this with your network provider. You can download our Mobile Banking app for free, just search for RBS on your smartphone from your app store. Text Alerts Get the latest information on your account with balance and transaction information sent direct to your mobile. Limit alerts get a text whenever your account hits any upper or lower limit you set. Why not use these to confirm when you ve been paid or to warn you if your balance is getting low? Balance updates we ll send your account balance to your mobile phone once a week on the day you choose. You could choose to receive an update each Friday, so that you know how much you have to spend over the weekend. Act Now Alerts Our alerts can help you reduce or even avoid fees for returned payments. These texts or s specify the time by which you should have cleared funds in your account to cover all payments and keep your account in credit. To find out more and register, visit any RBS branch or go to rbs.co.uk 12

13 What s already included? Visa Debit card As long as you have enough money available in your account you can use this card to: withdraw up to 300 a day from any cash machine or Post Office counters in the UK withdraw cash from any cash machine overseas which displays the Visa logo. Any transactions in a foreign currency is converted into sterling at our prevailing exchange rate and a transaction fee of 2.75% is subsequently applied for debit card transactions shop in store or online; and get cash back from selected retailers. Statements We will send you regular statements in the post. However, you can view your statements any time you like online by registering for Digital Banking at rbs.co.uk/digital, you can also choose to go paperless for either all or selected accounts. Just select Statements, then click on Start or stop receiving bank statements by post. RBS branches You can walk into any RBS branch and talk to a member of staff who ll be happy to help you. We have just over 645 branches throughout the UK, with many branches now open on a Saturday. To find your nearest branch, go to rbs.co.uk/branch-locator Direct Debits and standing orders To help you manage your money, your account allows you to set up Direct Debits and standing orders to pay bills and transfer money automatically. It s important to remember that if you don t have enough money in your account, we may not be able to pay a Direct Debit or standing order from your account, and you may be charged an Unpaid Item Fee for each payment we can t make. Please see the Personal & Private Current Account Fees & Interest Rates leaflet for more information. continued overleaf 13

14 Overdraft facility Your Select Silver Account gives you an interest-free overdraft of up to 100 (if arranged). If If you wish to arrange an overdraft of 100 or more you can apply online at rbs.co.uk, by phoning (Minicom ) or by visiting a branch. Whether or not you can get an overdraft depends on any eligibility criteria that apply and the results of a standard credit check.if you have arranged a limit with us and you don t borrow more than your interest-free threshold of 100, we won t charge you any interest. However, if the amount you re overdrawn is within your arranged overdraft limit, but is over your interestfree threshold, you ll pay interest on the full overdrawn balance. Cheque book You can choose to have a cheque book with this account (subject to eligibility). To order one, call (Minicom ). Emergency cash If your debit card is lost or stolen you can still get access to your money by using our 24-hour Emergency Cash service. Call us immediately on (Minicom ). You ll have to answer a few quick security questions and then we ll give you a code that will allow you to withdraw cash from any RBS, NatWest or Ulster Bank branded cash machine in the UK. If you are an online or telephone banking customer you can withdraw up to 300. If you aren t you can still withdraw up to 60. These amounts are available providing you have the money available in your account. As a minimum you must have 25 available in your account to use this service. We will send you a replacement card within 24 hours of you reporting it missing. Banking Offers From time to time we ll make you aware of offers you may be able to take advantage of. All offers can be found on rbs.co.uk Post Office You can withdraw cash and check your balance at 11,000 Post Office counters. 14

15 Common questions Here we answer some of the questions we re most commonly asked. For more information, take a look at your Helping you get the most from your Personal & Private RBS Current Account leaflet. When can I start using my account? If you ve received a new debit card and PIN, you will need to activate your card. You ll find the instructions for doing this on the card. You can register for digital, telephone and mobile banking. You ll find details at rbs.co.uk How can I pay money into my account? You can pay money into your account in the following ways. Over the counter pay in cheques or cash at any RBS branch. Cash Deposit Machines these can be found in many branches and allow you to pay cheques or cash into your account quickly (some machines only accept notes). Cash machines over 400 RBS cash machines allow you to pay cheques or cash (notes only) into your account. Just fill in a paying-in slip and follow the instructions on screen. Online once you ve signed up to Digital Banking, you can instantly transfer funds between your RBS accounts. Post you can post cheques (not cash) direct to your branch. Mobile once you ve downloaded and registered for Mobile Banking, you can instantly move money between your RBS accounts. How can I check my account balance? Use your debit card to check your balance or get a ministatement at any of our cash machines and at Post Office counters. If you re registered, you can also check your balance using our digital, telephone or mobile banking services. What are the main fees and charges on my account? All of the fees and charges relating to this account are explained in the Personal & Private Current Account Fees & Interest Rates leaflet. continued overleaf 15

16 Can I move my existing Direct Debits and direct payments such as my salary to this account? Yes. You can switch all your everyday banking to this account. Switching is easy and free of charge. Our specialist switching team are dedicated to making your switch as simple and as smooth as possible. They will keep you informed of the progress of your switch and will be on hand to answer any questions you may have. To find out more visit rbs.co.uk/easyswitch, call (Minicom ) or visit your local branch. Lines are open between 8am and 8pm, Monday to Friday and from 9am to 6pm on Saturdays (except public holidays). What is a Direct Debit and how can I set one up? A Direct Debit is a regular payment, either fixed or variable, that you allow an organisation to collect from your account (for example, to pay your gas, electricity and phone bills). To arrange a new Direct Debit, you will need to sign a Direct Debit instruction provided by the organisation that you would like to pay. The organisation will then send this to us. Please allow two working days before the date you want the payment to be made for your instruction to be processed. The money is paid from your account automatically on the date you chose. This will be shown on your statement as a Direct Debit payment. What is a standing order and how can I set one up? A standing order is an instruction you give us to pay another person or organisation a fixed amount from your account at regular intervals (for example, once a month). The money is automatically paid from your account on the fixed date you choose. This will be detailed on your statement as a standing order payment. There are three ways you can choose to set up a standing order: through Digital Banking through telephone banking: or at a branch. 16

17 When you set up a new standing order please allow two working days before the date you want the payment to be made for your instruction to be processed. To set up a standing order you ll need to have the sort code and account number of the account you want to make the regular payments into. If you re setting up your standing order through telephone or Digital Banking you ll need to use your security passwords. What is my overdraft facility? If you think you may need to go overdrawn it s important that you contact us first to apply for an arranged overdraft facility. If you have arranged a limit with us and you don t borrow more than your interest-free threshold of 100, we won t charge you any interest. However, if the amount you re overdrawn is within your arranged overdraft limit, but is over your interest-free threshold, you ll pay interest on the full overdrawn balance. If you ve already arranged an overdraft facility, you don t need to tell us beforehand if you re going to go into it. You can simply dip into it whenever you choose. If you don t have an arranged overdraft, you can apply by logging into Digital Banking, by phoning (Minicom ) or by going into your nearest branch. We have two fees for unarranged overdrafts a flat daily fee of 6 if you have an unarranged overdraft of over 6, and a single 6 fee for each payment you make but which we return unpaid. Please see our leaflet RBS Personal & Private Current Account Terms for further details. What do I do if my card is lost or stolen? We have a 24-hour Card Loss Centre that you should contact if your card is lost or stolen or if you suspect that someone knows your PIN. The number is (Minicom ). continued overleaf 17

18 What is CIFAS registration? CIFAS stands for Credit Industry Fraud Avoidance System. It allows its members (such as us) to exchange information in order to help detect and prevent fraud. So it helps to protect innocent people whose names, addresses or other details are used by others in order to get credit. How do I claim on my travel insurance? To notify us in the first instance please call (8am-6pm Monday to Friday) and we ll be happy to assist you. In case of emergency, please call (+44) How do I claim on my mobile insurance? To notify us please call Membership Services on (Minicom ) open 8am-8pm Monday to Friday, 9am to 6pm Saturday, 10am-5pm Sunday and 10am to 6pm on Bank Holidays. You do not need to register your phone, however you can and this may make the claims process easier for you. What if I want a different account? If at some point in the future your circumstances change, you can change your account to fit your needs. We are here to help you and offer a full range of accounts for you to choose from. Different terms apply to different accounts. If you want to open a new account you will need to fill in an application form and we may carry out a credit-reference check. To find out more go to rbs.co.uk/currentaccounts How do I contact RBS? If you have any questions, go to rbs.co.uk/currentaccounts or call (customers with hearing and speech difficulties can contact us by Minicom ) lines are open 24 hours a day, 7 days a week. For other ways to contact us, check our contact details page at rbs.co.uk 18

19 What do I do next? If you are a new customer, or have upgraded from our Basic Account, you should have already received your new debit card and PIN. If not, please call us on (Minicom ). Make sure you ve activated your new debit card. You ll find the activation instructions on your card. Register for your benefits via the Select Silver Membership Services area at rbs.co.uk/silveraccountbenefits. If you have any questions or need assistance with registration, please call us on (Minicom ). You could move any existing Direct Debits and income payment to your new account at rbs.co.uk/easyswitch Register for digital, telephone and mobile banking. You ll find details at rbs.co.uk We ll be in touch over the next few months to check on how things are going and help you make the most of your account. 19

20 iphone and ipad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. BlackBerry is a trademark of Research in Motion Ltd. hmvdigital Powered by 7digital. Credit facilities over 18s only. Calls may be recorded. The Royal Bank of Scotland plc. Registered office: 36 St Andrew Square, Edinburgh EH2 2TB. Registered Number: 90312, Scotland. RBS March 2013

Select Account. The essential guide to your new account

Select Account. The essential guide to your new account Select Account The essential guide to your new account 2 Welcome to your Select Account Your new account gives you the convenience of being able to withdraw money from any cash machine in the UK, as well

More information

Current accounts. Helping you get more from everyday banking

Current accounts. Helping you get more from everyday banking Current accounts Helping you get more from everyday banking The RBS The RBS Customer Charter Customer Charter Our commitment to you We want to be Britain s most helpful bank. So we started by asking you

More information

Current accounts. Helping you get more from everyday banking

Current accounts. Helping you get more from everyday banking Current accounts Helping you get more from everyday banking To find out more visit natwest.com/currentaccounts or call 0800 200 400 or visit your local branch 1 The NatWest Customer Charter Our commitment

More information

Enjoy the privileges of your Black Account. Our guide to help you

Enjoy the privileges of your Black Account. Our guide to help you Enjoy the privileges of your Black Account Our guide to help you 2 Discover just how much your Black Account can do for you Your new Black Account has more to offer you than an ordinary current account.

More information

Student Account A guide to benefits. All you need to be Uniproof

Student Account A guide to benefits. All you need to be Uniproof Student Account A guide to benefits All you need to be Uniproof Everything you need to know about your new account Your Student Account comes with a host of features and benefits, some you get automatically

More information

Classic Account. With you when you want a good all rounder.

Classic Account. With you when you want a good all rounder. Classic Account With you when you want a good all rounder. You ll find everything you need to know about your new Classic Account in the following pages. Welcome 1 Your Bank of Scotland debit card 2 Choose

More information

Basic Current Account Information and Specific Conditions

Basic Current Account Information and Specific Conditions Basic Current Account Information and Specific Conditions Current Accounts Information Contents The Basic Current Account 03 Opening your Basic Current Account 03 What to expect once we have opened your

More information

Classic Account. With you when you want a good all rounder.

Classic Account. With you when you want a good all rounder. Classic Account With you when you want a good all rounder. You ll find everything you need to know about your new Classic Account in the following pages. Welcome 1 Your Bank of Scotland debit card 2 Choose

More information

Overdrafts explained. A guide to our overdraft charges and how to avoid them

Overdrafts explained. A guide to our overdraft charges and how to avoid them Overdrafts explained guide to our overdraft charges and how to avoid them Overdrafts explained Contents We ve put together this guide to explain the different kinds of overdrafts and show you the fees

More information

Current Accounts. All you need to make everyday banking easier

Current Accounts. All you need to make everyday banking easier Current Accounts All you need to make everyday banking easier 2 Welcome We can help you manage your everyday banking easily in many different ways. We have a number of current accounts and credit cards

More information

The NatWest Alerts Service. Keep yourself updated, anywhere, anytime.

The NatWest Alerts Service. Keep yourself updated, anywhere, anytime. The NatWest Alerts Service Keep yourself updated, anywhere, anytime. 2 1 National Westminster Bank Plc, 135 Bishopsgate, London EC2M 3UR. Registered number: 929027, England. NWB7933 07/06/2011 If you already

More information

CLASSIC ACCOUNT PLAY I VE GOT THE CONFIDENCE TO DO WHAT I WANT

CLASSIC ACCOUNT PLAY I VE GOT THE CONFIDENCE TO DO WHAT I WANT CLASSIC ACCOUNT PLAY I VE GOT THE CONFIDENCE TO DO WHAT I WANT Classic Account Contents Welcome 1 Your Lloyds Bank Visa debit card 2 Ways to bank 4 Money Manager 8 Moving your money 10 Using cheques 12

More information

Your RBS Basic Account Visa Debit Card

Your RBS Basic Account Visa Debit Card Your RBS Basic Account Visa Debit Card 1 Welcome to your RBS Basic Account Visa Debit Card You can start using your new card immediately. However, for security reasons some card users may need to activate

More information

Cash Account. Looking after your money, everyday.

Cash Account. Looking after your money, everyday. Cash Account Looking after your money, everyday. Contents. Our Bank of Scotland Cash Account 2 What s not included? 3 Using our Bank of Scotland Cash Account 4 Getting more from your Visa debit card 5

More information

Current Accounts. Banking that gives you more for your money

Current Accounts. Banking that gives you more for your money Current Accounts Banking that gives you more for your money Contents 1 Service for all 2 At-a-glance 5 No-nonsense 6 Make the most of it 7 Extra special 9 Something for everyone 10 Opening your new account

More information

Graduate Account. With you on your first big break.

Graduate Account. With you on your first big break. Graduate Account With you on your first big break. Help to get you started. Our Graduate Account is designed to give you simple, convenient ways to look after your money and help you make the most of new

More information

Cash Account Cash Account

Cash Account Cash Account Cash Account Cash Account Looking after your money, everyday Contents Cash Account 3 What s not included? 5 Using your Cash Account 6 Getting more from your Visa debit card 7 How to pay money into your

More information

Getting started. Introducing your account

Getting started. Introducing your account Getting started Introducing your account 2 Welcome to banking designed to suit your taste When it comes to banking, we don t believe one size fits all. That s why in addition to our regular Bank Account,

More information

Give me the facts Effective 10 November 2014

Give me the facts Effective 10 November 2014 Give me the facts Effective 10 November 2014 Contents Page Welcome 3 Discover the difference 3 Ways to bank 3 Making payments 5 Payments by cheque 8 Overdrafts 9 Switching Process 11 Additional information

More information

Your RBS Visa Debit Card

Your RBS Visa Debit Card Your RBS Visa Debit Card 01 Welcome to your RBS Visa Debit card You can start using your new card immediately. However, for security reasons some card users may need to activate their card before they

More information

AIB Graduate Account. Supporting you on the road to success. Drop in to any branch 1890 788 336 www.aib.ie

AIB Graduate Account. Supporting you on the road to success. Drop in to any branch 1890 788 336 www.aib.ie AIB Graduate Account Supporting you on the road to success. Drop in to any branch 1890 788 336 www.aib.ie Contents 01 Introduction 02 How it works 04 AIB Phone, Internet & Tablet Banking 06 AIB Mobile

More information

CASH ACCOUNT. Everyday banking 24/7

CASH ACCOUNT. Everyday banking 24/7 CASH ACCOUNT Everyday banking 24/7 Cash Account Contents Your Lloyds Bank Cash Account 1 Using your Lloyds Bank Cash Account 2 What s included? 4 Getting more from your card 5 Banking your way 7 Paying

More information

STUDENT ACCOUNT KICKED GETTING SET FOR YOUR NEWEST ADVENTURE

STUDENT ACCOUNT KICKED GETTING SET FOR YOUR NEWEST ADVENTURE STUDENT ACCOUNT KICKED GETTING SET FOR YOUR NEWEST ADVENTURE A bold step into the unknown. A time and place for you to discover your freedom, your independence and yourself. With our Student Account, managing

More information

Fees. A guide to personal account fees

Fees. A guide to personal account fees Fees A guide to personal account fees We re committed to helping you get the most out of your account which includes making you aware of the charges and rates of interest that apply to your account. It

More information

I want more from my bank. Advantage Gold Account

I want more from my bank. Advantage Gold Account I want more from my bank Advantage Gold Account You can get more with Advantage Gold Introduction When you want to get a bit more out of life, Advantage Gold is the bank account that could help make it

More information

Our personal current accounts. Switch to First Trust Bank. Ask at any branch 0845 6005 925

Our personal current accounts. Switch to First Trust Bank. Ask at any branch 0845 6005 925 Our personal current accounts Switch to First Trust Bank Ask at any branch 0845 6005 925 Welcome to First Trust Bank We offer you all the benefits you would expect from your bank; a great range of quality

More information

Current Accounts User Guide. Information to help you make the most of your current account.

Current Accounts User Guide. Information to help you make the most of your current account. Current Accounts User Guide Information to help you make the most of your current account. Current Accounts User Guide Contents What to expect 04 If you ve just opened an account 04 If you ve just opened

More information

Your NatWest Visa Debit Card with contactless

Your NatWest Visa Debit Card with contactless Your NatWest Visa Debit Card with contactless Your new debit card has arrived Your Visa Debit card is a handy way to pay whether you re popping down to the shops or travelling abroad. Use your Visa Debit

More information

Your account charges explained.

Your account charges explained. Your account charges explained. To ensure you have everything you need to know about our charges, this brochure has been designed to let you know when and how they will be applied. The charges and tariffs

More information

Changes to your Terms and Conditions. Important Information

Changes to your Terms and Conditions. Important Information Changes to your Terms and Conditions Important Information Contents Section 1: Summary of Changes 4 5 Section 2: Detailed Changes to our Terms and Conditions 6 8 Changes to our General Conditions Protecting

More information

Keeping You Informed. Personal Current and Savings Accounts

Keeping You Informed. Personal Current and Savings Accounts Keeping You Informed Personal Current and Savings Accounts Important Information This leaflet tells you about a number of changes and improvements we are making to the services we offer our customers.

More information

TEXT ALERTS. Keeping track of your money 24/7

TEXT ALERTS. Keeping track of your money 24/7 TEXT ALERTS Keeping track of your money 24/7 Contents Types of text alerts 1 Managing your text alerts 3 Mobile Banking 5 Terms and conditions 6 I like to keep on top of my finances Our variety of alerts

More information

HALIFAX CASH ISA. Conditions and information

HALIFAX CASH ISA. Conditions and information HALIFAX CASH ISA. Conditions and information Welcome to Halifax 3 Section 1 How these conditions work 5 Section 2 Special Conditions 7 ISA Saver Variable 12 ISA Saver Online 13 ISA Saver Fixed 14 Junior

More information

Graduate Bank Account

Graduate Bank Account Graduate Bank Account 2 Congratulations. All that studying is behind you and you re on the verge of an exciting new chapter. Yet in the middle of all this change, one thing you don t want to worry about

More information

Current Accounts Introducing control

Current Accounts Introducing control Current Accounts Introducing control Helping you keep your finances on track Manage your money easily If you don t want to use an Unplanned Overdraft, we can help. We ve designed an add-on for the Classic

More information

Banking. Mobile Banking. Manage your money on the move.

Banking. Mobile Banking. Manage your money on the move. Banking Mobile Banking. Manage your money on the move. 2 Nowadays you can keep on top of your account even when you re miles from the bank. Mobile Banking. With our Mobile Banking service, you can stay

More information

Kent Card Cardholder Guide

Kent Card Cardholder Guide Kent Card Cardholder Guide making the most of your card Contents Hello and welcome 3 First things first 4 Making the most of your Kent Card 5 Get another card for a nominated person 7 Topping up your Kent

More information

Current Accounts. All you need to make everyday banking easier

Current Accounts. All you need to make everyday banking easier Current Accounts All you need to make everyday banking easier 2 Welcome Ulster Bank can help you manage your everyday banking easily in many different ways. We have a number of current accounts and credit

More information

M&S Banking Terms and Conditions

M&S Banking Terms and Conditions M&S CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER ACCOUNT M&S Banking Terms and Conditions EFFECTIVE FROM 6 APRIL 2016 NEW FASHIONED BANKING

More information

Welcome to your CIBC Dividend Visa * Card

Welcome to your CIBC Dividend Visa * Card Welcome to your CIBC Dividend Visa * Card Turn your everyday spending into cash back rewards Get 2% cash back on all grocery purchases 1 Get started with your new cash back card 1. Activate your card Activate

More information

Business Banking. Business account charges

Business Banking. Business account charges Business Banking Business account charges Contents Services you don t pay for 2 Business Tariffs frequently used services 3 How to reduce your transaction charges 5 Charges for one off account services

More information

Fees. A guide to personal account fees

Fees. A guide to personal account fees Fees A guide to personal account fees We re committed to helping you get the most out of your account which includes making you aware of the charges and rates of interest that apply to your account. It

More information

A guide to personal accounts fees and interest

A guide to personal accounts fees and interest A guide to personal accounts fees and interest current accounts savings accounts We re committed to helping you get the most out of your account which includes making you aware of the charges and rates

More information

A guide to personal accounts fees and interest

A guide to personal accounts fees and interest A guide to personal accounts fees and interest current accounts savings accounts We re committed to helping you get the most out of your account which includes making you aware of the charges and rates

More information

M&S CURRENT ACCOUNT AND M&S MONTHLY SAVER. Terms and conditions EFFECTIVE FROM 8 JANUARY 2015 NEW FASHIONED BANKING

M&S CURRENT ACCOUNT AND M&S MONTHLY SAVER. Terms and conditions EFFECTIVE FROM 8 JANUARY 2015 NEW FASHIONED BANKING M&S CURRENT ACCOUNT AND M&S MONTHLY SAVER Terms and conditions EFFECTIVE FROM 8 JANUARY 2015 1 NEW FASHIONED BANKING Contents Page Page Summary of our M&S Current Account Terms and Conditions 3 Contact

More information

Welcome to your Business Debit Card

Welcome to your Business Debit Card Help for what matters Welcome to your Business Debit Card Start using your new Business Debit card today This leaflet explains the features and benefits of your new Business Debit card. Please take a few

More information

Current Account Conditions and AccounT Information.

Current Account Conditions and AccounT Information. Current Account Conditions and AccounT Information. If you open an account with us it will be with Yorkshire Building Society (trading as Norwich & Peterborough Building Society, Norwich & Peterborough

More information

Managing your monthly charges

Managing your monthly charges MONTHLY PRICEPLAN Managing your monthly charges To put your business in greater control we d like to fully explain your business banking fees With our Monthly PricePlan you can choose a PricePlan that

More information

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you CLUB LLOYDS PRIVATE BANKING ACCOUNT Everyday banking that fits around you WELCOME TO YOUR NEW CLUB LLOYDS PRIVATE BANKING ACCOUNT Contents Club Lloyds Private Banking Account 1 Current account credit interest

More information

BUSINESS BANKING FOR START UPS

BUSINESS BANKING FOR START UPS BUSINESS BANKING FOR START UPS 2 DANSKE BANK DANSKE BANK 3 Just started or thinking about starting a new business? We re here to help. At Danske Bank we can help you make the right choices, so that you

More information

Basic Bank Account. Everyday banking made easy

Basic Bank Account. Everyday banking made easy Basic Bank Account Everyday banking made easy Basic Bank Account Basic Bank Account is an account which is simple to understand and easy to manage. It gives you basic banking facilities to keep you in

More information

PRIVATE BANKING PREMIER ACCOUNTS. Guide to charges

PRIVATE BANKING PREMIER ACCOUNTS. Guide to charges PRIVATE BANKING PREMIER ACCOUNTS Guide to charges This is your guide to the main fees and charges for services on your Private Banking Premier account and debit card Rates that apply to your Private Banking

More information

BUSINESS CHARGE CARD. User Guide

BUSINESS CHARGE CARD. User Guide BUSINESS CHARGE CARD User Guide Keeping control of business expenses This leaflet explains how to make the most of your Business Charge Card whether you will be using the card yourself, or managing the

More information

Business Banking. Business account charges

Business Banking. Business account charges Business Banking Business account charges Contents Page Introduction 3 Summary of Business Tariffs 4 Start-ups 4 Treasurers Account Tariff 4 Business Current Account Standard Tariff 5-6 Business Plus Account

More information

Banking terms and conditions

Banking terms and conditions M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER Banking terms and conditions EFFECTIVE FROM 17 FEBRUARY 2015 NEW FASHIONED BANKING Contents Page Page Section

More information

Get your money off to a good start.

Get your money off to a good start. Under 19s Account Get your money off to a good start. Our current account for 11 18 year olds. What s where in this guide. Contents. Our Under 19s Account at a glance 2 All you need to make banking easy

More information

A Guide to Personal Accounts Fees and Interest

A Guide to Personal Accounts Fees and Interest A Guide to Personal Accounts Fees and Interest Current Accounts Savings and Deposit Accounts What s in this brochure? Page 1. Plain speaking glossary of terms 3 2. Services you don t pay for 4 3. Changes

More information

A Guide to Personal Accounts Fees and Interest

A Guide to Personal Accounts Fees and Interest A Guide to Personal Accounts Fees and Interest Current Accounts Savings and Deposit Accounts What s in this brochure? Page 1. Plain speaking glossary of terms 3 2. Services you don t pay for 4 3. Changes

More information

Basic Account Basic Account

Basic Account Basic Account Basic Account Basic Account Looking after your money, everyday Contents Basic Account 3 Using your Basic Account 5 Getting more from your Visa debit card 6 How to pay money into your account 8 Paying your

More information

City University s Guide to Student Bank Accounts. Manage your Mon y

City University s Guide to Student Bank Accounts. Manage your Mon y City University s Guide to Student Bank Accounts Manage your Mon y City University s Guide to Student Bank Accounts 1 Table of Contents Student Bank Accounts...2 Barclays Student Account...4 Barclays International

More information

Business Banking Reference Guide. The Works: Getting the most from your Business Account

Business Banking Reference Guide. The Works: Getting the most from your Business Account Business Banking Reference Guide The Works: Getting the most from your Business Account Business Banking Reference Guide Contents Your transaction tools and records 03 Types of transactions 09 Visa debit

More information

Let s get started with your Ffrees Account

Let s get started with your Ffrees Account Let s get started with your Ffrees Account Now that your Ffrees Card has arrived, this handy guide will give you any information you need to get started with your brand new Ffrees Account. Step 1 Activate

More information

BANKING CHARGES. March 2015

BANKING CHARGES. March 2015 BANKING CHARGES March 2015 Contents Your guide to our charges 1 Current account fees 2 Overdrafts 5 Our Control Option 9 Examples Unplanned Overdraft Fees 11 Debit card and Cashpoint card charges 13 Other

More information

Phoneline Banking Mobile Banking Cash machines Branches Online Banking www.firsttrustbank.co.uk 028 9034 6034 Ask at any branch

Phoneline Banking Mobile Banking Cash machines Branches Online Banking www.firsttrustbank.co.uk 028 9034 6034 Ask at any branch Phoneline Banking Mobile Banking Cash machines Branches Online Banking Ways to Bank Secure and convenient banking options to fit your lifestyle www.firsttrustbank.co.uk 028 9034 6034 Ask at any branch

More information

Cumberland Plus... Everything you want from a bank account...without the bank

Cumberland Plus... Everything you want from a bank account...without the bank Cumberland Plus... Everything you want from a bank account......without the bank Internet Banking Mobile Banking Exclusive Savings Accounts Free card use abroad* Text Alerts Current Account Switch Service

More information

Under 19s Accounts. Get your money off to a good start.

Under 19s Accounts. Get your money off to a good start. Under 19s Accounts. Get your money off to a good start. What s where in this guide. Account at a glance 1 All you need to make banking easy 2 Cashpoint card or Visa debit card? 3 Using your Lloyds TSB

More information

Please be aware that this option is not covered by the Current Account Switch Guarantee. How to contact us 0345 366 6470

Please be aware that this option is not covered by the Current Account Switch Guarantee. How to contact us 0345 366 6470 Switching guide Contents 2 Introduction 2 How to contact us 3 Benefits of the Current Account Switch Service 3 Current Account Switch Guarantee 4 Easy-to-use service 4 How to switch 4 Recurring debit card

More information

Your simple ISA guide

Your simple ISA guide Your simple ISA guide How to make the most of your tax efficient savings and investments New ISA allowance 15,000 Contents An introduction to cash ISAs 4 Cash ISA 6 Fixed Rate ISA 7 Stocks & Shares ISA

More information

ACCOUNT CHARGES. Your account charges explained

ACCOUNT CHARGES. Your account charges explained ACCOUNT CHARGES Your account charges explained September 2013 Account charges To put your business in greater control we d like to fully explain your business banking fees. Here we ll outline how our charges

More information

Your Current Account Terms

Your Current Account Terms Your Current Account Terms RBS Personal & Private Current Account Terms Personal & Private Current Account Fees & Interest Rates Helping you get the most from your Personal & Private RBS Current Account

More information

NEED TO KNOW. Your account is up and running

NEED TO KNOW. Your account is up and running NEED TO KNOW Your account is up and running Here are some of the key features of your new account. If you have any questions, just call us. Our UK based customer service advisers can help with day-to-day

More information

Personal Banking. Terms and Conditions and Charges. Effective from 18 June 2015

Personal Banking. Terms and Conditions and Charges. Effective from 18 June 2015 Personal Banking Terms and Conditions and Charges Effective from 18 June 2015 2 Personal Banking Terms and Conditions and Charges Contents Page Charges and Overdrafts 3 Charges 3 Overdraft 5 Current account

More information

Your guide to getting the most from your card

Your guide to getting the most from your card Your guide to getting the most from your card Ulster Bank debitcard Welcome to your Ulster Bank debitcard Your Ulster Bank Debitcard is accepted in 30 million retail outlets around the world, wherever

More information

Business Banking. Terms Business Customers. Ahead for business

Business Banking. Terms Business Customers. Ahead for business Business Banking Terms Business Customers Ahead for business Contents Page Use of your information and regulatory details 3 Account Terms 5 Section A General terms which apply to all Accounts 6 Section

More information

YOUR BANKING RELATIONSHIP WITH US. Personal Banking terms and conditions

YOUR BANKING RELATIONSHIP WITH US. Personal Banking terms and conditions YOUR BANKING RELATIONSHIP WITH US Personal Banking terms and conditions July 2015 Changes to your Bank Account or Savings Account Conditions We are making some changes to the conditions that apply to our

More information

PRIVATE BANKING PREMIER CURRENT ACCOUNT (INCLUDING CLUB LLOYDS) Guide to charges

PRIVATE BANKING PREMIER CURRENT ACCOUNT (INCLUDING CLUB LLOYDS) Guide to charges PRIVATE BANKING PREMIER CURRENT ACCOUNT (INCLUDING CLUB LLOYDS) Guide to charges This is your guide to the main fees and charges that will apply to all Private Banking Premier accounts including Club Lloyds

More information

Welcome to the world of prepaid cards... Contents

Welcome to the world of prepaid cards... Contents Welcome to the world of prepaid cards... This leaflet has been prepared to help you find out more about prepaid payment cards and how you can use them best. Contents Welcome to the world of prepaid cards.................

More information

Bank of Scotland Private Banking Savings Accounts

Bank of Scotland Private Banking Savings Accounts Bank of Scotland Private Banking Savings Accounts Terms and Conditions Applicable to: Premier Investment Account Premier Reserve Account (for Personal Customers) Premier Reserve Account (for Trusts) 3

More information

Platinum Account. A guide to all your Platinum Account benefits.

Platinum Account. A guide to all your Platinum Account benefits. Platinum Account A guide to all your Platinum Account benefits. Discover how much more you get with your Platinum Account. Contents. Your Bank of Scotland Platinum Visa debit card 4 How to register for

More information

Opening a bank account in Oxford A guide for European and International Students

Opening a bank account in Oxford A guide for European and International Students Opening a bank account in Oxford A guide for European and International Students (last updated 8 September 2011) Information about UK Bank accounts UK banks are keen to offer services to European and International

More information

Opening a bank account in Oxford A guide for European and International Students

Opening a bank account in Oxford A guide for European and International Students Opening a bank account in Oxford A guide for European and International Students (last updated 28 September 2011) Information about UK Bank accounts UK banks are keen to offer services to European and

More information

FLEXONE. Terms and Conditions and How to use your account

FLEXONE. Terms and Conditions and How to use your account FLEXONE Terms and Conditions and How to use your account How this document works This document contains important information to help you understand the key features of the FlexOne account and to understand

More information

Terms and Conditions. Your questions answered

Terms and Conditions. Your questions answered Terms and Conditions Your questions answered Your agreement with us is made up of the following: 1. This document it explains how your account operates. 2. Our Rates and fees leaflet we may charge you

More information

REWARD CURRENT ACCOUNT.

REWARD CURRENT ACCOUNT. REWARD CURRENT ACCOUNT. Getting started guide For use from 30th July 2015 2 YOU VE CHOSEN THE ACCOUNT THAT LIVES UP TO ITS NAME. GREAT MOVE. WELCOME TO THE REWARD CURRENT ACCOUNT. CHANGES TO YOUR BANK

More information

HSBC Advance Bank Account. Terms and Conditions

HSBC Advance Bank Account. Terms and Conditions HSBC Advance Bank Account Terms and Conditions 2 Summary of the HSBC Advance Bank Account Terms and Conditions This Summary sets out the key details of your HSBC Advance Bank Account and the interest rates

More information

Bank Account Conditions.

Bank Account Conditions. Personal Banking Bank Account Conditions. Applicable from 30 July 2015. Bank Account Conditions. This booklet contains the general conditions that apply to our personal bank accounts and some related services.

More information

Business Banking. Business account charges

Business Banking. Business account charges Business Banking Business account charges Contents Services you don t pay for 2 Business Tariffs Service Charge 3-4 Additional services 5-6 How to reduce your transaction charges 7 Internet Banking 8

More information

Putting You First. A guide to your new accounts and services

Putting You First. A guide to your new accounts and services Putting You First A guide to your new accounts and services FirstMerit is committed to putting you first. For more than 165 years, we ve delivered solutions that help our customers finance homes, pay for

More information

bt EASYCASH. Getting started guide For use from 30th July 2015

bt EASYCASH. Getting started guide For use from 30th July 2015 b T EASYCASH. Getting started guide For use from 30th July 2015 2 NO BELLS. NO WHISTLES. JUST A VERY CONVENIENT ACCOUNT. WELCOME TO EASYCASH. CHANGES TO YOUR BANK ACCOUNT TERMS AND CONDITIONS. We are making

More information

BUSINESS CREDIT CARD. User Guide

BUSINESS CREDIT CARD. User Guide BUSINESS CREDIT CARD User Guide Purchasing power to help business run smoothly This leaflet explains how to make the most of your new Business Credit Card whether you will be using the card yourself, or

More information

Business Banking. Business account charges

Business Banking. Business account charges Business Banking Business account charges Contents Services you don t pay for 2 Business Tariffs Service Charge 3-4 Additional services 5-6 How to reduce your transaction charges 7 Internet Banking 8

More information

BORROWING. A guide to borrowing. Overdrafts, credit cards, loans

BORROWING. A guide to borrowing. Overdrafts, credit cards, loans BORROWING A guide to borrowing Overdrafts, credit cards, loans Three ways to borrow that can work for you All of us need a little extra help at times. So if you want to borrow money for a new car or kitchen

More information

CLUB LLOYDS DELIGHT THE BENEFITS OF BELONGING TO CLUB LLOYDS

CLUB LLOYDS DELIGHT THE BENEFITS OF BELONGING TO CLUB LLOYDS CLUB LLOYDS DELIGHT THE BENEFITS OF BELONGING TO CLUB LLOYDS Club Lloyds Contents Welcome to Club Lloyds 1 Your Club Lloyds benefits Current account credit interest 2 Banking Offers 4 Lifestyle Benefits

More information

Keeping You Informed. Personal Current and Savings Accounts

Keeping You Informed. Personal Current and Savings Accounts Keeping You Informed Personal Current and Savings Accounts Changes to NatWest services This leaflet tells you about a number of changes and improvements we are making to the services we offer our customers.

More information

credit card Your Welcome Guide

credit card Your Welcome Guide credit card Your Welcome Guide We would like to welcome you as a new Co-operative Membership credit cardholder. welcome This guide tells you all you need to know to make the most of your Co-operative Membership

More information

Let s make choosing simple

Let s make choosing simple Current accounts Let s make choosing simple Everyone wants different things from a current account. That s why we offer a range of different types. To make things simple, this leaflet gives you an overview

More information

Savings account conditions and information.

Savings account conditions and information. Savings Savings account conditions and information. (For personal savings accounts that are no longer available to new customers.) page heading 1 Savings account Conditions. This booklet contains the conditions

More information

INTERNATIONAL. Helping your money travel around the world. International payments travel money and CHAPS. Talk to us today

INTERNATIONAL. Helping your money travel around the world. International payments travel money and CHAPS. Talk to us today INTERNATIONAL Helping your money travel around the world International payments travel money and CHAPS Talk to us today Access your money, at home and away Maybe you have family overseas and want to send

More information

Corporate Charge Card

Corporate Charge Card Corporate Charge Card User Guide PLEASE RETAIN THIS FOR YOUR REFERENCE. GUIDANCE ON USING THIS LEAFLET Your Velos Corporate Charge Card can help you simplify the management of business expenses while staying

More information

Sending money abroad. Plain text guide

Sending money abroad. Plain text guide Sending money abroad Plain text guide Contents Introduction 2 Ways to make international payments 3 Commonly asked questions 5 What is the cost to me of sending money abroad? 5 What is the cost to the

More information