NEED TO KNOW. Your account is up and running

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "NEED TO KNOW. Your account is up and running"

Transcription

1 NEED TO KNOW Your account is up and running

2 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 tasks. And when you re ready, a Business Management Team is on hand to help move your business forward.

3 Contents Who can I contact when my business 1 needs extra help? I need to get the most out of my 2 business account How can my account support me as 9 my business grows? We need some help with our account 13 Help when you need it 16

4

5 Who can I contact when my business needs extra help? Speak to us for help Your Business Management Team is here to help. When you need answers, fast Opportunities arise and you need decisions to be made quickly. Our Business Management Team understand this and they ll respond as soon as they can. Available as and when you need us Your business may need to save money or require an overdraft or loan, you can speak directly to your Business Management Team over the phone to discuss the options. Any property given as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage or other debts secured on it. All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business. You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action. 1

6 I need to get the most out of my business account Flexible and convenient banking Your payments going in All cheques go through a simple system called the clearing cycle as shown on the next page. Within two business days you ll earn interest, after four business days your money will be available and after six business days the funds from a returned cheque will not be debited. For more details, call us on , visit your local branch or call your Business Management Team. Our business day lasts from 9am to 5pm, Monday to Friday, excluding Bank Holidays. Cheques or cash paid in after 5pm (sometimes after 3.30pm) might not be processed until the next working day. Getting the most out of your card payments We can help your business take payment by credit or debit card in person, online and when the cardholder is not present. Ask about Cardnet, Lloyds Banking Group s card payment acceptance service with these additional benefits: Merchant services to suit the way you trade: face to face, remotely or online Wide range of card machines to choose from Flexibility as your business grows Comprehensive online reporting Experienced, UK based support. For more details call our dedicated team on from 9am to 5pm, Monday to Friday. Cardnet is a registered trademark of Lloyds Bank plc. 2

7 Day 6 The funds from a returned cheque will not be debited* Day 1 Your cheque payment goes in 6 days Day 2 Your money will earn interest Day 4 Your money will be available * Unless you are a knowing party to fraud 3

8 25 If you need to make up to 25 payments in one batch, we can arrange this. Your payments going out When we make a payment on your behalf, we ll act on your instruction when received on a business day and before our payment cut-off time which is detailed in our Business Banking Payment Transactions brochure. Our bulk payments service is a simple, convenient and secure way to make regular payments such as paying staff, expenses and supplier payments. It s ideal for businesses that make up to 25 payments in one batch and can be done online. 4

9 Standing orders are for paying out the same amount on a regular basis, such as rent or wages, and are cheaper and more efficient than paying by cheque. UK Sterling Direct Debits 1 are a cheaper, more efficient way of making regular payments and many companies offer discounts for paying this way. You can cancel most Direct Debits and standing orders immediately online, up to the end of the business day and before your next payment date. Recurring transactions* are regular payments and also known as continuous payments. They are set up directly with the retailer and made with your Business Debit, Credit or Charge Card to pay for expected outgoings such as magazine subscriptions but are not protected by the UK Sterling Direct Debit guarantee scheme. To cancel a recurring transaction it s best to let the person you re paying know and give them enough notice to be able to cancel payments or to arrange an alternative payment method. You can also let us know and we will advise them that you don t want to make any further payments. Faster Payments is a payment service which lets you make and receive Sterling payments within the UK in a matter of hours, and often minutes. Payments made through Telephone Banking and any Internet Banking payments which are over the limit for sameday, will be processed overnight and will reach the recipient s bank the business day after the payment instruction was received by us. Details of same-day payment limits within Internet Banking will be available to you at the time you make the transaction. You can go online to check that the sort code you are sending a payment to can receive Faster Payments, Bacs Credits and CHAPs Payments. To find out more or to check a sort code go to the payments transaction section of our website at lloydsbank.com/businessbanking CHAPS is an electronic, bank-to-bank payment system that guarantees same business day payment of cleared funds in the UK. 1 SEPA Direct Debits cannot be managed using Online for Business. You will need to contact your creditor directly to inform them that you wish to cancel or transfer your SEPA Direct Debit mandate. * Recurring transactions are not covered by the UK Sterling Direct Debit scheme. SEPA Direct Debits cannot be cancelled or transferred for you, you will need to advise your Creditor that you wish to cancel the mandate or transfer your SEPA Direct Debit to your new account. 5

10 International services We know a lot about doing business in Britain and overseas. We can help with paying and receiving foreign currency through our International Moneymover Services. Use our specialist trade services to reduce risk when you re dealing with businesses you ve never met. And when it comes to fluctuations in foreign currency look at our forward exchange contracts to fix the rate for a date or period that suits you. Changes in the exchange rate may increase the Sterling equivalent of your debt. All enquiries for foreign currency accounts will be referred to a specialist manager who will provide more information about charges for these services upon request. Stopping a cheque If you ever need to stop payment on a cheque, call us first on and confirm your request in writing. You ll need to add details of any replacement cheque you ve written. This must be done before the cheque is presented for payment. To stop a cheque, we need to know: The cheque number The amount The date it was issued Who it was made payable to. To find out the cost of stopping a cheque, please see the Business Banking Your account charges explained brochure in this pack. Remember, stopping a cheque doesn t cancel your legal obligation to pay for goods or services. Business Charge Card payments are when the total value of each month s Business Charge Card purchases is taken from your current account by non-returnable Direct Debit. To find out more see the UK Sterling Direct Debits section on page 7 and your Business Charge Card terms and conditions. Business Charge Cards are issued subject to application to your Business Management Team. Payments out by cheque will usually clear according to the process already shown, but be aware that if another Lloyds Bank customer pays in one of your cheques at our branch, the money could leave your account on the same day. Returned cheques. If there s not enough money in your account to cover a cheque you ve written, it may be returned unpaid. If this happens, we ll notify you within two business days and let you know how much you ll be charged. Out of date cheques are usually only a concern if the cheque is of a very high value. So if you have one that s more than six months old, it s worth asking the person who wrote it to issue a new one and destroy or return the original. 6

11 Cards make it easy Debit, charge and credit cards are less bulky and more convenient than cash and cheques. Your Business Management Team can help you apply for any of these cards. Business Credit and Charge Cards carry an annual fee of You can withdraw up to 700 per day from our cash machines 36 days Interest free credit on all Sterling purchases 500 Set your own limits Business Debit Card Offers easy payment tracking and can save money on cash withdrawals and the cost of writing cheques. You can withdraw up to 700 per day from our cash machines. Business Charge Card A cost effective way of paying for everyday business expenses and helps cash flow by providing up to 36 days interest free credit on Sterling purchases. You can decide how many cards to issue and what limits to set 1. Business Credit Card You can set monthly spending limits from 500 for each cardholder in your business and apply for an overall Business limit up to 10,000. The availability of these cards and limits are subject to status. 1 SEPA Direct Debits cannot be used to settle your balance on your Business Charge Card. SEPA Direct Debits cannot be cancelled or transferred for you. You will need to advise your Creditor that you wish to cancel the mandate or transfer your SEPA Direct Debit to your new account. 7

12 We deal with any financial difficulty sympathetically and positively. If you get into difficulty We want your business to be successful. However, there may be times throughout your economic cycle when you need extra support. Our approach is to work with you and your circumstances and take the longer term view. Let us know as soon as possible if there s a problem and we ll deal with any financial difficulty sympathetically and positively. We follow the Lending Code which details how we can best work together to deal with problems of financial difficulty. A Guide to the Lending Code is available please ask your Business Management Team for a copy. The Lending Code can be downloaded from the Lending Standards Board at or our website lloydsbank.com/businessbanking/ lendingsupport 8

13 How can my account support me as my business grows? Additional services for running your business Better banking There are many ways to bank with us and we re never far from where you do business. Internet banking Internet banking gives you 24/7 control for quick and secure financial transactions all year round. depositpoint TM Make deposits quickly in branch with depositpoint TM or use deferred checking to make over the counter deposits even faster. Telephone banking If you prefer, telephone banking is a flexible service for most day-to-day needs speak to an adviser based in the UK or use the automated function. Nightsafe Pay in money outside of banking hours at a time that is convenient to you your account will be credited the next working day. Mobile Banking You can now access your business accounts on the move with our new, secure Business Mobile Banking app*. You can also register for our free Text alerts service to receive daily or weekly updates on your account balance and recent transactions. * We don t charge you for Mobile Banking but your mobile operator may charge you for certain services such as downloading or using the app, so please check with them. Our new app requires ios 5.0 or above, or Android 4.1 or above. Internet Banking registration required. Services may be affected by phone signal and functionality. Use of Mobile Banking is subject to our Business Internet Banking terms and conditions. 9

14 Savings and investments If you have a cash surplus, put it to the best use possible. Choose an account that suits your needs whether you re making shortterm savings, such as saving for the next VAT payment, or building long-term reserves. Instant access accounts give you the flexibility you need for managing cashflow and help you make the most of your day to day surplus funds. Fixed term deposits guarantee a fixed interest return on amounts over 10,000 and are available typically overnight to one year. 30 Days notice you can have instant access to your money when 30 days notice is given. 32 Day Base Linked Notice Account earn a higher rate of interest when you don t make a withdrawal, with an interest rate that tracks the Bank of England base rate. Clients accounts are suitable for any professional practice or other business that holds money for its clients. To discuss which is the right one for your business contact your Business Management Team. depositpoint This allows you to make payments into your account quickly. It s available in most branches and is an envelope drop service that is designed to take a small amount of cash and/or cheques (no receipt is issued). As long as the envelope is posted prior to the displayed closure time for the facility, your credit will be in your account by the end of the day. Immediate deposit machine In a hurry? Then use our immediate deposit machines to make fast cash and cheque deposits. They re available in most branches, and you can pay in up to five cheques or 50 notes per transaction quickly and efficiently using your business debit or Cashpoint card. You ll be issued with a receipt that gives a breakdown of your transaction and shows a copy of any cheques deposited. Cash is added to your account straight away and funds from cheques will be made available after a minimum of four working days and will earn interest after two working days. Deferred checking Avoid having to wait while we check your overthe-counter deposits. To use this service place your credit, cash and/or cheques in a sealed plastic bag and hand it in at any branch. We ll then issue you with a receipt confirming you have made the deposit. Your account will be credited by the end of the day. Bulk Schemes A secure, efficient and cost effective way to pay-in or withdraw large amounts of cash. This service is provided in conjunction with a bank authorised security carrier. For more information, please speak to your Business Management Team. 10

15

16

17 We need some help with our account Business Management Team Can t access your Internet Banking account Internet Banking is a great tool but if you can t access your account, go to the Internet Banking log on screen and click on the Having problems logging on? button. Complete the online form, click Continue, then follow the on screen instructions to get back online please make a note of any reference number we give you. You may be required to complete a form and return it to us. We will confirm your identity prior to your internet account being reset*. Business changes When you need to amend your business details (change of address, change in business type, change of name, etc.) call and we ll arrange for you to speak to your Business Management Team. Your PIN It needs to be protected but it s easily forgotten too. Don t worry if you have, just call us on or go in to your local branch and we ll issue you with a new one. If you ve lost a card, call customer card services immediately on or if you re calling from abroad, call And when you do get your PIN, remember not to write it down for security reasons. Also, we will never send you an asking you to reveal it. Account aggregation View some, or all, of the online accounts you hold with several different banking or finance providers. We don t offer this service ourselves so please be aware that if you do use an external account aggregation service, you may be liable for any fraud or mistakes that occur as a result. * Occasionally we may need to carry out essential maintenance to Online for Business, resulting in some interruption to the service. 13

18 Your personal and business information This information (including your name and address) is kept private and confidential, even if you re no longer a customer. It isn t disclosed to anyone outside Lloyds Banking Group* except in the following cases: If we re legally obliged to provide information. If we have a public duty to reveal information. If it is needed by our agents and others involved in running accounts and services for you or your business. If we or others need to investigate or prevent crime. If our interests are threatened where we suspect fraud, for example. This will not be used as an excuse for revealing information about you or your accounts to anyone, including other companies in our group for marketing purposes. If you ask us to reveal the information, or if we have your or the business written permission. If we re asked to answer a query about your financial status, we ll make sure we have your permission before responding. * The Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on the Lloyds Banking Group can be found at lloydsbankinggroup.com Extra security There are a few other precautions you need to take to protect your account. Regularly check your inbox for scams, never click on them and call us if you are suspicious. Be aware of calls from fraudsters, purporting to be from Lloyds Bank, or other official institutions. Don t tell anyone your account details or your PIN. Always keep your cheque book and card separate. Lost and stolen business cards and cheques If your cheque book or any cards are stolen or passwords and any other secure information becomes known to others, please notify us immediately or you may be liable to cover the costs. In some circumstances you may not have to pay anything, however, if you have acted fraudulently or without all reasonable care, you will be responsible to cover all the losses in your account. Don t recognise a transaction on your account? Call our team of UK based customer service advisers immediately with the transaction details on and we ll look into the item on your behalf. We may require you to sign a declaration form disclaiming your knowledge of the transaction(s) and we might block your account number for security purposes in cases where there is suspected unauthorised or fraudulent use of your account. 14

19 Business account rates and charges We have a variety of business account tariffs and try to ensure our rates and charges remain competitive. We do our best to make the numbers easy to follow so you can compare them and choose the one which suits your business need. Speak with your Business Management Team, or look on our website for more information. Important information about compensation arrangements We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors including most individuals and small businesses are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to 85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be 85,000 each (making a total of 170,000). The 85,000 limit relates to the combined amount in all the eligible depositor s accounts with the bank, including their share of any joint account, and not to each separate account. For further information about the compensation provided by the FSCS (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website or call the FSCS on or Please note only compensation-related queries should be directed to the FSCS. Accounts with Lloyds Bank plc include accounts with the following: C & G Savings, Lloyds Bank, Lloyds Bank Agriculture, Lloyds Bank Private Banking and Worldwide Service. An eligible depositor s 85,000 limit relates to the combined amount in all accounts with Lloyds Bank plc. This limit is applied to the total of any deposits you have with the following: C & G Savings, Lloyds Bank, Lloyds Bank Agriculture, Lloyds Bank Private Banking and Worldwide Service. 15

20 Help when you need it Mistakes can happen, and if they do we ll put them right as quickly as possible If something goes wrong Help us by having the following information to hand when you call: all relevant bank details account number, sort code, card, policy or investment number photocopies of any supporting paperwork, keeping the originals for your own records. How to make a complaint If you are unhappy with something we ve done and would like to make a complaint: Make sure your usual contact at the bank knows about your complaint and tell them how you think it could be resolved. We ll respond to you, usually within five business days. Or you can call our Business Telephone Banking Centre on from 7am to 8pm Monday to Friday, or from 9am to 2pm on Saturdays. We re closed on all UK public holidays. To call us from outside the UK call You can also call us on Textphone Alternatively, you can raise your complaint with Customer Services. Write to The Manager, Lloyds Bank, Customer Services, Correspondence Centre BX1 1LT. 16

21 Taking your complaint further Business customers that are micro-enterprises with a group annual turnover or balance sheet of up to 2 million (Sterling equivalent) and who have fewer than 10 employees may be eligible to take their complaint to the Financial Ombudsman Service. If you have a complaint and we haven t issued our response within eight weeks from the date you first raised your complaint, or if you re dissatisfied with our response, you can ask the Financial Ombudsman Service for an independent review. The Financial Ombudsman Service will only consider your complaint once you ve tried to resolve it with us, so please take up your concerns with us first and we ll do all we can to help. Write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Or you can call on: calls to this number are normally free for people ringing from a fixed line phone but charges may apply if you call from a mobile phone calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs. These numbers may not be available from outside the UK so from abroad call on For further information visit the Financial Ombudsman Service website at The Financial Services & Markets Act 2000 sets out timescales for dealing with such complaints. To reduce inconvenience to you, we aim to reduce those timescales wherever possible. 17

22 Changing your mind When you open a new account we will inform you of any right to cancel. If you do want to cancel, please write to us at 1 City Road East, Manchester, M15 4PU within 14 days of receiving our letter and we will be happy to cancel the account. Any requests for payment we receive after you exercise your right to cancel will be returned and products or services which require this account to operate will also be cancelled. We will repay to you any credit balance in your account together with any interest due if credit interest is paid on your account. You will be required to pay any charges for day-to-day banking or other services that you may incur before we receive your request to cancel the account and we will deduct these charges from the monies we return to you. If your account is overdrawn you must repay the outstanding balance together with any interest and charges that you owe us within 30 days of exercising your right to cancel. Where possible we will help you find an account from our range which better suits your needs. The right to cancel does not affect your ongoing right to close the account as set out in the terms and conditions. 18

23 Our service promise. If you experience a problem, we will always try to resolve it as quickly as possible. Please bring it to the attention of any member of staff. Our complaints procedures are published at lloydsbank.com/businessbanking/contactus 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. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No Telephone: Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We subscribe to the Lending Code; copies of the Code can be obtained from Lloyds Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes eligibility criteria not all Lloyds Bank business customers will be covered by these schemes). The Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax, and Bank of Scotland and their associated companies. More information on the Lloyds Banking Group can be found at lloydsbankinggroup.com Cardnet is a registered trademark of Lloyds Bank plc. depositpoint TM is a trademark of Lloyds Bank plc. Cashpoint is a registered trademark of Lloyds Bank plc.

24 I d like to talk about our business Go to lloydsbank.com/businessbanking Check eligibility, calculate payments, apply online Call us on Lines are open 7am 8pm Monday to Friday and 9am 2pm Saturdays 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 you can use Text Relay (previously Typetalk) or if you would prefer to use a Textphone, please feel free to call us on (lines open 7am 8pm Monday to Friday and 9am 2pm Saturdays). BB58254 (03/14)

NOT-FOR-PROFIT ORGANISATIONS. A guide to your new account

NOT-FOR-PROFIT ORGANISATIONS. A guide to your new account NOT-FOR-PROFIT ORGANISATIONS A guide to your new account Your organisation is different. It s not run for profit, it s run because you re passionate about what you do. So you want a bank that s committed

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 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

This guide has been designed to provide you with an easy to understand overview of the key things you need to know about your new Business Account

This guide has been designed to provide you with an easy to understand overview of the key things you need to know about your new Business Account Need to know. This guide has been designed to provide you with an easy to understand overview of the key things you need to know about your new Business Account including how long it takes for payments

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

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 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

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

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

KNOWLEDGE SHARIAH-APPROVED BANKING FOR YOUR BUSINESS

KNOWLEDGE SHARIAH-APPROVED BANKING FOR YOUR BUSINESS KNOWLEDGE SHARIAH-APPROVED BANKING FOR YOUR BUSINESS Contents Banking that supports your beliefs 3 New business start-ups 4 The Switching Process 5 Relationships 7 Ways to bank 8 Additional Shariah-approved

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

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 April 2014 This booklet contains the general conditions that apply to our personal bank accounts and some related services. Please

More information

JOINING US TOGETHER MOVING YOUR CURRENT ACCOUNT TO LLOYDS BANK

JOINING US TOGETHER MOVING YOUR CURRENT ACCOUNT TO LLOYDS BANK JOINING US TOGETHER MOVING YOUR CURRENT ACCOUNT TO LLOYDS BANK Downtime. It s a precious commodity. So when you re rushing from A to B it s good to know switching your bank account to Lloyds Bank is quick

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

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

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

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

JOINT AND SEVERAL LIABILITY. Partnership responsibilities

JOINT AND SEVERAL LIABILITY. Partnership responsibilities JOINT AND SEVERAL LIABILITY Partnership responsibilities March 2014 Contents Why do I need to know about it? 1 What does Joint and Several Liability mean? 1 How do we open a partnership account? 2 How

More information

INTERNATIONAL SERVICES GOING FURTHER TO HELP YOU EXPAND

INTERNATIONAL SERVICES GOING FURTHER TO HELP YOU EXPAND INTERNATIONAL SERVICES GOING FURTHER TO HELP YOU EXPAND I need a bank that understands my plans and has experts I can rely on With our support expanding your business overseas or entering into a new market

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

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

LEND A HAND SAVINGS ACCOUNT. Terms and conditions

LEND A HAND SAVINGS ACCOUNT. Terms and conditions LEND A HAND SAVINGS ACCOUNT Terms and conditions April 2014 Terms and conditions This Account is not covered by the Lloyds Bank Personal Banking Terms and conditions. All terms relating to this Account

More information

CURRENT ACCOUNT SWITCH

CURRENT ACCOUNT SWITCH CURRENT ACCOUNT SWITCH NO LONG WAIT. NO FUSS. NO HASSLE. OUR SWITCH SERVICE MAKES MOVING YOUR ACCOUNT TO US SIMPLE. Now we can switch your account to the Halifax in just seven working days. Switch in just

More information

MAYFAIR PRIVATE BANKING SERVICE. Terms and Conditions

MAYFAIR PRIVATE BANKING SERVICE. Terms and Conditions MAYFAIR PRIVATE BANKING SERVICE Terms and Conditions Applicable from 22nd November 2015 This booklet contains the general conditions that apply to our personal bank accounts and some related services.

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

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

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

smile current account Terms and Conditions

smile current account Terms and Conditions smile current account Terms and Conditions Terms and Conditions of the smile current account, overdraft and debit card (incorporating smilemore and smile student) With effect from 5 July 2015 Terms and

More information

credit card Your Welcome Guide

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

More information

Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions

Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions With effect from 5 July 2015 Terms and conditions of the

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

Your Virgin Essential Current Account

Your Virgin Essential Current Account Your Virgin Essential Current Account The Terms July 2015 These are the Terms of your Virgin Essential Current Account. These Terms, along with our Welcome guide, make up our agreement with you. We give

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

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

Terms and conditions of The Co-operative Bank Instant Access Savings Account

Terms and conditions of The Co-operative Bank Instant Access Savings Account Terms and conditions of The Co-operative Bank Instant Access Savings Account Please read and keep your Co-operative Bank Instant Access Savings Account terms and conditions (conditions) in a safe place.

More information

Banking made easy. Effective from 10 November 2014

Banking made easy. Effective from 10 November 2014 Banking made easy Effective from 10 November 2014 2 Welcome This guide explains how your account works. It takes you through the ways you may be able to access your account, make payments and keep both

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

A guide to our Online Saver

A guide to our Online Saver A guide to our Online Saver Stay in control of your savings with easy access to your account online. To manage your savings on the go, simply download our Mobile Banking app and register for the service

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

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

SCHOOL ACCOUNT SPECIALIST BANKING FOR YOUR SCHOOL OR ACADEMY

SCHOOL ACCOUNT SPECIALIST BANKING FOR YOUR SCHOOL OR ACADEMY SCHOOL ACCOUNT SPECIALIST BANKING FOR YOUR SCHOOL OR ACADEMY Contents Why choose Lloyds Bank for your school? Choosing Lloyds Bank 1 Our switching service 2 Ways to bank 4 Education relationship managers

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

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

Welcome to your Islamic Business Account. Information you need to know.

Welcome to your Islamic Business Account. Information you need to know. Welcome to your Islamic Business Account. Information you need to know. Contents. Banking in line with your beliefs 1 New business start-ups 2 Extra start-up guidance 3 Moving your business account 4 How

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

BANKING CHARGES. April 2016

BANKING CHARGES. April 2016 BANKING CHARGES April 2016 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

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 Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions

Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions Terms and conditions of the Current Account, Current Account

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

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

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

PRICE LIST. Club Lloyds Private Banking Account and Flexible Current Account

PRICE LIST. Club Lloyds Private Banking Account and Flexible Current Account PRICE LIST Club Lloyds Private Banking Account and Flexible Current Account Club Lloyds Private Banking Account and Flexible Current Account This leaflet is a guide to the main fees applying to the Club

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

Current Account Switching Services. Welcome to Bank of Ireland UK

Current Account Switching Services. Welcome to Bank of Ireland UK Current Account Switching Services Welcome to Bank of Ireland UK 2 Contents Introduction 3 Current Account Switch Service The benefits 4 The guarantee provides 4 You can use the Current Account Switch

More information

PERSONAL BANKING TERMS AND CONDITIONS. For Personal Current Accounts, Savings and Basic Bank Accounts

PERSONAL BANKING TERMS AND CONDITIONS. For Personal Current Accounts, Savings and Basic Bank Accounts PERSONAL BANKING TERMS AND CONDITIONS For Personal Current Accounts, Savings and Basic Bank Accounts November 2015 This booklet contains: information about how to contact us and how we will contact you;

More information

Terms and conditions of The Co-operative Insurance Instant Access Savings Account

Terms and conditions of The Co-operative Insurance Instant Access Savings Account Terms and conditions of The Co-operative Insurance Instant Access Savings Account The Co-operative Insurance Instant Access Savings Account is a special facility for Co-operative Insurance customers, which

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

For business. For family. For life. About your Current Account Switch Service

For business. For family. For life. About your Current Account Switch Service For business. For family. For life. About your Current Account Switch Service About your Current Account Switch Service The Current Account Switch Service makes switching current accounts from a UK bank

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

smile no-notice savings account Terms and conditions

smile no-notice savings account Terms and conditions smile no-notice savings account Terms and conditions no-notice savings account Terms and Conditions Please read and keep your smile no-notice savings terms and conditions (conditions) in a safe place.

More information

Contents. Page. Page. Charges 2 Payments out of your account 2 Payments into your account 3 Other charges 4

Contents. Page. Page. Charges 2 Payments out of your account 2 Payments into your account 3 Other charges 4 Account Terms and Conditions Effective from 1 October 2015 Contents Charges 2 Payments out of your account 2 Payments into your account 3 Other charges 4 Overdrafts 4 Product Summaries 6 1st Account 6

More information

Instant Access Savings Account. Terms and Conditions

Instant Access Savings Account. Terms and Conditions Instant Access Savings Account Terms and Conditions Your agreement with us is made up of the following: 1. This document it explains how your Account operates. 2. The Welcome letter it outlines the account

More information

Internet Saver Account. Terms and Conditions

Internet Saver Account. Terms and Conditions Internet Saver Account Terms and Conditions Your agreement with us is made up of the following: 1. This document it explains how your Account operates. 2. The Welcome letter it outlines the account number

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

M&S CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER ACCOUNT

M&S CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER ACCOUNT M&S CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER ACCOUNT Banking made easy EFFECTIVE FROM 6 APRIL 2016 NEW FASHIONED BANKING Welcome Accessing

More information

SCHOOL ACCOUNT SPECIALIST BANKING FOR YOUR SCHOOL OR ACADEMY

SCHOOL ACCOUNT SPECIALIST BANKING FOR YOUR SCHOOL OR ACADEMY SCHOOL ACCOUNT SPECIALIST BANKING FOR YOUR SCHOOL OR ACADEMY Contents Choosing Lloyds Bank 1 Our switching service 2 Ways to bank 4 Education relationship managers 5 School Bank Account 6 Internet banking

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

Joint and Several Liability. Partnership responsibilities.

Joint and Several Liability. Partnership responsibilities. Joint and Several Liability. Partnership responsibilities. If you re going into business with partners, you need to know about Joint and Several Liability. This brochure highlights the main issues. Contents.

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

Business Account. Terms and conditions

Business Account. Terms and conditions Business Account Terms and conditions Terms and conditions Business Account Please read and keep your business account terms and conditions (conditions) in a safe place. These conditions (including those

More information

Switching your current account to Nationwide

Switching your current account to Nationwide Switching your current account to Nationwide Switch your current account to Nationwide in just 7 working days We understand that choosing to switch your current account can be a big decision and with so

More information

Fixed Term Deposit account Terms & Conditions

Fixed Term Deposit account Terms & Conditions Fixed Term Deposit account Terms & Conditions Please read and keep your Fixed Term Deposit account terms and conditions (conditions) in a safe place. These conditions, together with the application form

More information

BUSINESS INSTANT ACCESS ACCOUNT/ BUSINESS 30 DAY NOTICE ACCOUNT. Terms and Conditions

BUSINESS INSTANT ACCESS ACCOUNT/ BUSINESS 30 DAY NOTICE ACCOUNT. Terms and Conditions BUSINESS INSTANT ACCESS ACCOUNT/ BUSINESS 30 DAY NOTICE ACCOUNT Terms and Conditions September 2013 Terms & Conditions for a Business Instant Access Account /Business 30 Day Notice Account 1. Your Account

More information

Advance Credit Card draft terms and conditions.

Advance Credit Card draft terms and conditions. Credit Cards Advance Credit Card draft terms and conditions. Your draft terms and conditions FC1 CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 These are the conditions of an agreement

More information

m&s monthly SavEr Banking Made Easy NEW FASHIONED BANKING

m&s monthly SavEr Banking Made Easy NEW FASHIONED BANKING m&s PrEmium current account, m&s PrEmium current account with insurance and m&s monthly SavEr Banking Made Easy EffEctivE from 17 february 2015 NEW FASHIONED BANKING 2 Contents Page banking made easy 4

More information

Online For Business Application for Full User Access

Online For Business Application for Full User Access Online For Business Application for Full User Access You should only complete, sign and return this form once you have submitted the Online for Business registration application at www.lloydsbank.com/business/register

More information

Foreign currency account

Foreign currency account Foreign currency account Terms and conditions Terms and conditions of the foreign currency account, (incorporating foreign currency current account and foreign currency deposit account) Please read and

More information

Barclaycard Business Credit Card Terms and Conditions

Barclaycard Business Credit Card Terms and Conditions Barclaycard Business Credit Card Terms and Conditions 1 Contents 1. Introduction 3 Your card 3 Business credit limit 3 Monthly payment 4 2. Your interest charges 4 Interest rates 4 Promotional balance

More information

SOLICITORS QUALITY SPECIALIST BANKING FOR THE LEGAL SECTOR

SOLICITORS QUALITY SPECIALIST BANKING FOR THE LEGAL SECTOR SOLICITORS QUALITY SPECIALIST BANKING FOR THE LEGAL SECTOR Contents Choosing Lloyds Bank 1 Our switching service 2 Ways to bank 5 Simplifying payments and receipts 7 Business cards 10 Client money accounts

More information

Business Banking made easy. Saving you time and money

Business Banking made easy. Saving you time and money Business Banking made easy Saving you time and money 1 2 Business Banking made easy We want to make your business banking as straightforward as we can. This brochure tells you how our accounts and services

More information

TERMS AND CONDITIONS. Commercial Call Account/ Commercial 30 Day Notice Account

TERMS AND CONDITIONS. Commercial Call Account/ Commercial 30 Day Notice Account TERMS AND CONDITIONS Commercial Call Account/ Commercial 30 Day Notice Account September 2013 Your Commercial Deposit Account terms and conditions 1. Your Account 1.1 Unless otherwise stated, these Terms

More information

Mobile Banking App. Summary, Terms and Conditions and Important Information

Mobile Banking App. Summary, Terms and Conditions and Important Information Mobile Banking App Summary, Terms and Conditions and Important Information Contents: Page Summary of the terms and conditions 2-3 Terms and Conditions 3-7 1. Glossary 3 2. Using the Mobile Banking App

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

INTERNATIONAL SERVICES TARIFF

INTERNATIONAL SERVICES TARIFF INTERNATIONAL SERVICES TARIFF Supporting your international business Our service promise. If you experience a problem, we will always try to resolve it as quickly as possible. Please bring it to the attention

More information

Banking Relationship Agreement

Banking Relationship Agreement Investec Bank plc Banking Relationship Agreement Private Banking Contents 1 Welcome to your Relationship Agreement 3 2 Protecting your account 4 3 Giving us instructions 4 4 Using your account 5 5 Using

More information

International Services.

International Services. Business International Services. Going the extra mile for your business. Contents. Sending and receiving money Sending money abroad...1 International Moneymover...1 International drafts...1 Receiving money

More information

Important information about your savings account

Important information about your savings account Important information about your savings account Important information about your savings account 1 Thank you for opening a Kent Reliance savings account. This leaflet contains information to help you

More information

LOANS THAT ARE CLEAR AND SIMPLE.

LOANS THAT ARE CLEAR AND SIMPLE. CLARITY LOAN LOANS THAT ARE CLEAR AND SIMPLE. So the only surprises you get are nice ones. TALK TO US TODAY A Halifax Clarity Loan could be the answer to making some home improvements, replacing your car

More information

PHONEBANK. A guide to using your Telephone Banking service

PHONEBANK. A guide to using your Telephone Banking service PHONEBANK A guide to using your Telephone Banking service Welcome to Telephone Banking A convenient, quick and easy way to manage your Lloyds Bank accounts with one telephone number. Call us on 0345 300

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

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

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

Price list and guide to fees and interest for personal customers. Applies from December 2015

Price list and guide to fees and interest for personal customers. Applies from December 2015 Price list and guide to fees and interest for personal customers Applies from December 2015 At First Trust Bank, it is our policy to provide you with a service that is clear and consistent. To make sure

More information

Nationwide Paym. Terms and Conditions. How will Nationwide use your personal information? Terms and Conditions

Nationwide Paym. Terms and Conditions. How will Nationwide use your personal information? Terms and Conditions Nationwide Paym Terms and Conditions How will Nationwide use your personal information? In signing up and agreeing to these terms and conditions, you give your express consent to the use and disclosure

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

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

Personal and Private Banking Accounts. Terms and Conditions

Personal and Private Banking Accounts. Terms and Conditions Personal and Private Banking Accounts Terms and Conditions Personal and Private Banking Accounts Contents Part One Universal Conditions 1. Introduction 3 2. Eligibility for an Account 3 3. Giving us instructions

More information

Business Banking. Terms and Conditions. For HSBC business current and savings accounts and services as of 1 December 2014.

Business Banking. Terms and Conditions. For HSBC business current and savings accounts and services as of 1 December 2014. Business Banking Terms and Conditions For HSBC business current and savings accounts and services as of 1 December 2014. Table of contents How to reach us Page 4 If you have a disability 4 1. What you

More information

General Conditions for Bank of Cyprus UK CharityBonds (April 2013)

General Conditions for Bank of Cyprus UK CharityBonds (April 2013) General Conditions for Bank of Cyprus UK CharityBonds (April 2013) Bank of Cyprus UK Limited ( we/our/us ), trading as Bank of Cyprus UK, incorporated in England and Wales as company number 04728421, a

More information

Club, charity or society.

Club, charity or society. Our service promise. If you experience a problem, we will always try to resolve it as quickly as possible. Please bring it to the attention of any member of staff. Our complaints procedures are published

More information