Business Banking. Our business is banking, what s yours?

Save this PDF as:

Size: px
Start display at page:

Download "Business Banking. Our business is banking, what s yours?"

Transcription

1 Business Banking Our business is banking, what s yours?

2 You have picked up this brochure because you either have your own business or are planning on starting up on your own. At Bank of Ireland, we have been working with start-up businesses for a long time and have seen a lot, heard a lot and most of all, we ve helped a lot. So, whether you re on your own, just starting out, or running a small or medium sized business, we are ready to help you. 3

3 I m a new business customer of the bank. I have a few questions to begin with. Who will be dealing with my account? Our specially trained business advisers will be looking after your needs. We have business advisers in every Bank of Ireland branch in the country, dedicated to supporting our business customers needs. Our business advisers have access to a wealth of information and advice that is second to none. So, you can expect the very best advice and guidance in a range of areas, not just banking products and services. What makes the business advisers different? Our business advisers are experts in their field; they have undertaken continuous study and hold full financial advisers qualifications. They have spent on average 12 years working in the business banking sector. Most importantly, they have a genuine interest in business and their overriding goal is to help your business succeed. At Bank of Ireland, we are committed to having some of our best people as business advisers. Our business advisers are ready and waiting to help you. Will they have experience with my particular business? Business advisers continuously research their local market and understand what is happening in their local business community, equipping them with the best information to advise you appropriately. For certain specific sectors there are also central support teams that specialise in property investment and development, tax-based transactions, renewables, healthcare, retail, franchising and agriculture. Can you point me in the right direction? 4 5

4 I m starting my own business. I m not 100% sure about what I will need in terms of banking. We have a business start-up package that has been specially designed to support you during the start-up phase of your business. This package was put together after careful research, talking to people during each stage in their business and finding out what was most effective for them. What services will be available to me with the business start-up package? As a start-up, you will be able to avail of a range of free and discounted banking services. Our business start-up package 1 consists of five main elements: (1) Special offers on a range of Bank of Ireland products and services A range of current account banking services free of charge for 2 years 2 A Visa business card with no annual fee in the first year 3 (2) Finance for your business growth A developing business loan for amounts up to 50k with no security or requirements 4 Flexible leasing and hire purchase options with no annual set-up fee facility 3 Reduced administration fees on invoice finance facilities 4 (4) Training, mentoring and advice Business advisers in every branch Free access to our online management training course Free financial review with a Bank of Ireland Insurance & Investments Manager Free one hour consultation with a Bank of Ireland treasury specialist to discuss the currency risks which may affect your business Free copies of Bank of Ireland s Guide to Starting Your Business in Ireland and Franchising Guide (5) Special offers from a range of companies We ve used our buying power to get the best deals for our customers from a range of leading businesses including Golden Pages, Big Red Book, O2 and many more. 6 (3) Online banking with Business On Line Free monthly subscription fee to Business On Line Levels 1 & 2 for two years 5 24/7 access to your accounts 6 7

5 Banking can take up my valuable time. What would you recommend for someone in my position? Here are just some of the day-to-day banking activities that you can do on Business On Line once you are registered. It s important to keep on top of your everyday banking. We have designed a range of products and services to help make the job a bit easier, because we know at the end of the day, your business isn t banking. For the everyday business such as making and receiving payments, tracking your transactions and closely monitoring your business cashflow, you will be using your business current account. With this account there are lots of ways you can manage your finances; you can use one of our 270 branches or 3,000 ATM s, but you may find managing your finances online will suit best. Getting to a branch can be tricky when you are busy, so using our 24 hour phone service and award winning Business On Line service should be very convenient for you. View up-to-date balances on current accounts, deposit accounts and business credit cards Transfer funds between accounts and make third party transfers Make domestic and international payments Make several payments at once e.g. salary/creditor payments Make forward dated payments Stop cheque payments Export data to external systems 7 View/print statements with up to 90 days transaction history Business On Line We offer one of the most comprehensive online packages in the market. It s fast, secure, cost effective and takes the stress out of banking. Not only does it give you total control over your business finances 24 hours a day, seven days a week, it also offers a range of benefits including; Cost savings on branch/paper transactions Time savings with fewer trips to your branch required Increased peace of mind due to state-of-the-art security Increased efficiency due to less paperwork Support from a dedicated help desk Multiple user set-up facility with specific access rights and payment authorisation We understand there are some things that need to be carried out in person, such as making cash deposits. A range of cash handling facilities are available to ensure your business can lodge and withdraw cash as conveniently as possible. All of our branches offer commercial cash facilities and our larger branches offer a secure cash service for business customers in addition to night safes and express lodgement facilities. Business adviser tip: We believe all small business owners should have online banking, as this gives access to account information 24/7, making it easier to manage cash flow. For more information about banking online, just call and we ll talk you through it. 9

6 I need to manage cashflow accurately, yet still have spending power. What would you suggest? Business Laser Card Like a personal Laser card, this is a debit card that gives you access to your business account, whenever and wherever you need it. Features of our business Laser card include: Access to your business money, whenever you need it: This card allows you to withdraw up to 1,000 per day of your business money, 24 hours a day from over 3,000 ATMs nationwide. Buy supplies without cash: With a business Laser card, you can pay for purchases of up to 1,500 directly from your business account, hassle free. You can use your card abroad to get cash where you see the Cirrus sign or to pay for goods and services where you see the Maestro sign. 8 Picture the scenario: Having started your own business, you need to buy goods and services, and you pay for them in a variety of ways: cash, cheque, via the internet or by card. You diligently keep your receipts filed neatly in a shoebox or similar. Once every couple of months you empty the shoebox and spend a few hours in the evening piecing together your purchases. This probably leads to stress before bedtime as you realise a few are missing. With a Visa business card, your shoebox is replaced with 12 monthly statements, and night-time filing and stress becomes a thing of the past. What s more, you can get up to 37 days interest free credit. 4 Managing your business expenses using our Visa business cards simplifies the expense reconciliation process and can help you achieve significant cost savings. There are two different card types, so you have the freedom to choose what suits your business best. Visa Business Cards Visa Business Cards 4 Gold Visa Business Cards Both our Visa Business Card and Gold Visa Business Card have been designed to offer increased convenience, security and control when managing your day-to-day business expenses. Features of the Visa Business Card 9 include: Comprehensive travel insurance 10 for cardholders and up to three companions when you use your card to pay for 50% of your fare. Individual credit limits - set according to your business requirements. The Gold Visa Business Card 11 offers all of the above and the following additional features: Free access to Aer Lingus Gold Circle Lounges for cardholder and guest when flying on an Aer Lingus scheduled flight and priority check in services on long haul routes. 12 Gold Visa business online 12 provides the facility to view current and past transactions online and run online reports analysing spend

7 I have read a bit about leasing and hire purchase, are these options for my business? I know there are a lot of business financing products out there. What would suit my business? Your business can benefit from up to 100% finance by way of leasing or hire purchase to fund fixed assets or premises fit-outs. Repayments can be tailored to match income and cashflow and aid the seasonality of your business. Leasing gives you the use of an asset over a fixed period of time in exchange for regular payments. It lets you take full advantage of the most modern equipment - and the value of the repayments are directly tax-deductible (subject to current legislation). With hire purchase, the asset is bought on your behalf and hired to you for an agreed term - at the end of which, ownership passes to you for a nominal sum. Both leasing and hire purchase are cost effective, tax efficient and simple ways to acquire new and upgraded equipment, plant, vehicles and technology without tying up working capital. When I issue invoices to clients I am concerned about any delay in receiving payment. Is this a valid concern? Yes, however most businesses face this issue. As a start-up you can avail of a product called invoice finance. This is where you raise working capital by releasing the value of funds tied up in invoices outstanding and converting trade debts into cash. Your business can cash up to 85% of the value of approved business invoices, usually within 24 hours, allowing the business to expand and maximise the benefits of accelerated cashflow. I find the business insurance premium hard to cover in a lump sum, is there a way I can spread it out? Yes, we have insurance premium finance to help avoid large once-off payments and leave your working capital free to be used where it is needed most - in your business. It s important to use the most appropriate type of finance for your business, otherwise it can be unnecessarily expensive. We offer a range of short, medium and long-term finance options. They each serve a different purpose - our business advisers will be happy to advise you on the most appropriate one for your business. Business adviser tip: We believe the term of finance should be matched to the life of the asset e.g. if a new van is purchased with the intention of being replaced within 5 years, the term of the finance should not exceed 5 years. 4 Business overdraft An overdraft is the most flexible and convenient form of short-term finance available and is used in conjunction with your current account. It can be used to fund the operating requirements of your business, which can include working capital funding, seasonal fluctuations in business cashflow or dealing with late payments by debtors. An overdraft facility offers variable rates and can be renewed on an annual basis and gives you the benefit of only paying for what you use. How about a business loan to help cover costs? We understand that running a business takes time and money. So we won t waste your time, we endeavour to make fast lending decisions and you can even apply for a loan online at Our small business loan is suitable for investment and working capital requirements and we offer competitive rates and flexible repayment options. 4 Our developing business loan provides finance of up to 50,000 to businesses in the first five years of growth. No security is required, 4 finance is available from your first day of training and flexible repayment options are available. Warning: If you do not meet the repayments on Warning: Hire purchase You will not own these your loan, your account will go into arrears. This 12 goods until the final payment is made. may affect your credit rating. 13

8 What happens when I start making money? As a business owner, it s important to treat your profit as you would any business asset and assess how to make the most of its full potential. We have a range of business deposit and investment solutions designed to meet your specific short, medium or long-term needs. We are committed to working in partnership with you and will use our expertise to find the most flexible solution that will maximise earnings on your funds. You can choose from a wide range of short-term products, namely business demand deposit account, business surplus deposit account, business xtra account or our business term deposit accounts. If you have funds that you can tie-up for a specified period, our fixed rate bond account offers a secure, competitive return. You can choose a deposit period from three months up to 60 months. For cash that s not required over the short to medium-term, we recommend maximising its potential by investing in medium to longterm investment funds, so that your investment has the opportunity to potentially grow and recover from short-term stock market fluctuations. We have a wide range of products, including a business investment pack tailored to meet your needs. The aim is to help you protect and grow your investment, taking the worry from you and allowing you to concentrate on what you do best - running your business. We have a wide range of specialist investment funds for business investors, to suit most individuals and attitudes to risk, which include Bank of Ireland Life s Evergreen and Innovator funds. 13 From a simple deposit account to a longer-term investment, you can rely on us to provide the best solution for your business. Business adviser tip: When we meet owners of small businesses, they are invariably busy. Home and work life is often a blur. This is where a Visa business card can help. Warning: These products may be affected by changes in currency exchange rates. Warning: The value of your investment may go down as well as up. Warning: Past performance is not a reliable guide to future performance

9 I do business overseas, are there any special services that would make this easier? How will I protect my business? Trading abroad can be daunting and costly. Our overseas trading package is designed to make your life easier and business less costly. So, whether you re sourcing equipment or services abroad, are already trading overseas or even considering expanding your business internationally, we can offer expert advice to ensure you get the most out of the opportunities, for the least cost. The overseas trading package You have access to a nationwide network of treasury specialists. We offer: Competitive rates for buying and selling a range of world currencies Foreign currency accounts, with a range of services provided free of charge 14 A range of currency deposit accounts facilitating the holding of foreign currency Access to trade finance experts We are all human at the end of the day. Bank of Ireland Life s personal and business protection cover plans allow you to plan for the unpredictable, giving you the peace of mind that you and your business will be financially protected whatever the future holds. As a self-employed individual your income and the successful continuation of your business is primarily dependent on you. Critical illness cover 15 can ensure that should you suffer one of a number of specified critical illnesses you will still be able to meet your essential outgoings such as mortgage repayments and business loans, while still maintaining your current standard of living. Business protection plans 16 provide you and your business with financial protection when it s most needed. From protecting your business against the financial impact of losing a key member of staff through to ensuring minimum financial hardship and continued control of the business in the event of the death or critical illness of a business partner. So, ask yourself Do you import or export goods or services from non-eurozone countries? Do you make or receive overseas payments? Do you buy or sell equipment overseas? Are you an intermediary business acting for companies or individuals with overseas activity? If you answered yes to any of these questions, call in to your local Bank of Ireland branch today to talk about how our overseas trading package can help your business. Business adviser tip: We believe anyone who transfers money with non-euro countries should always know the amount in currency as it is usually cheaper to transfer money in currency rather than Euro

10 My business, as an employer, needs to provide for its employees. What should we offer? No matter what your company situation is, the Insurance & Investments Manager at your local Bank of Ireland branch has the experience and know how to advise you on the best Bank of Ireland Life pension option to suit your needs, while helping you to comply with your legal obligations. How can I pave the way for a smooth road ahead? PRSAs A Personal Retirement Savings Account (PRSA) is designed to help you save for retirement. It s a flexible option; if you are self-employed you can set one up to save for your own retirement, or if you are an employer, you can facilitate your employees in setting up a PRSA account to help them save for their retirement. Personal Pension If you re self-employed, a personal pension from Bank of Ireland Life gives you additional options not available with Personal Retirement Savings Accounts (PRSAs). It enables you to avail of protection options as part of your overall pension plan, such as life cover, disability cover and waiver of premium cover. Executive Pension This is an executive retirement plan that is independent of the company assets and its future profitability. It is designed to take full advantage of the generous tax relief that is granted to company pension arrangements. It also gives you more flexibility in how you take your benefits at retirement. Under employer pensions legislation, and with the increasing need to plan for your own income in retirement, it s important that you put retirement plans into action. A pension is one of the best ways to save for retirement, as it offers generous levels of tax relief 16. There are a number of pension options available, whether you are self-employed, running a small business or a large company with many employees. I would like my personal banking to be separate to my business banking. Is this possible? As a business customer you still have personal banking requirements. We provide a suite of personal banking products to cater for all of your personal needs including current accounts, loans, credit cards, insurance, assurance, pensions and savings and investment products. For more information, advice and support, talk to a business adviser in your branch today

11 1 The business start-up offer is available to new business start-up customers who open their business current account with Bank of Ireland between the period 1st January 2008 and 31st December Lending criteria and terms and conditions apply to the business current account. Offer is for a two-year period from the date of opening a business start-up current account with Bank of Ireland. Other charges may apply. Standard charges will apply at end of two-year period. Please refer to the Schedule of Fees and Charges for Business Customers brochure, which is available on request at any Bank of Ireland branch. 3 Offer is available any time over the two-year period from the date of opening a business start-up current account with Bank of Ireland. Government Duty and other charges still apply. 4 Lending terms and conditions apply to small business loans, developing business loans, Visa business cards, Gold Visa business cards, Laser cards, business overdrafts, individual credit limits and invoice finance facilities. Personal guarantees may be required in some instances for developing business loans. 5 Terms and conditions apply to Business On Line Levels 1 & 2. The offer is valid for accounts opened between 1st January 2008 and 31st December 2008 and is available any time over the two-year period from the date of opening a business start-up current account with Bank of Ireland. Other charges and additional e-banking services are not covered by this offer. Standard business current account transaction fees and charges will apply. Please refer to the Schedule of Fees and Charges for Business customers and Schedule of International transaction charges. For further information including details of Business On Line fees and charges, call Business On Line on The exclusive offers are available any time within a twelve-month period from the date of opening a business startup current account with Bank of Ireland. Bank of Ireland does not give any representations or warranties about the firms used in the scheme and does not accept any liability in respect of the advice or service provided in any circumstances. These offers are provided entirely at the discretion of the offering companies and will, where provided, be provided in accordance with the offering companies then current terms and conditions. 7 Only applicable to Level 3. 8 Full details of fees and charges can be found in our Schedule of Fees and Charges for Business Customers and Schedule of International Banking Charges. Both are available online or from any Bank of Ireland branch. 9 The annual fee for the Visa Business Card is currently 25 per card. Other fees and charges apply to this card, including Government duty. Please see the brochure Expenses made easy with Visa business cards for details. 10 Insurance is arranged by Bank of Ireland Insurance Services Limited through Bank of Ireland Card Services and underwritten by AIG Europe (Ireland) Limited. Bank of Ireland Insurance Services Limited is a member of the Bank of Ireland Group. Bank of Ireland Insurance Services Limited is regulated by the Financial Regulator. AIG Europe (Ireland) Limited is regulated by the Irish Financial Regulator. 11 The annual fee for the Gold Visa Business Card is currently 120 per card. Other fees and charges apply to this card, please see the brochure Expenses made easy with Visa business cards for details. 12 Terms and conditions apply. Bank of Ireland does not accept any liability in respect to the products or services rendered in connection with Aer Lingus or the provider of Gold Visa Business Online (Deecal International). 13 Policy terms and conditions apply. Where relevant, life assurance exit tax applies. While great care has been taken in its preparation, this article is of a general nature and should not be relied on in relation to a specific issue without taking appropriate financial, insurance, investment or other professional advice. The content of this article is for information purposes only and does not constitute an offer or recommendation to buy or sell any investment or to subscribe to any investment management or advisory service. If there is any conflict between this Article and the relevant Policy Conditions, the Policy Conditions will apply. New Ireland Assurance Company plc. trading as Bank of Ireland Life is regulated by the Financial Regulator. Bank of Ireland Insurance & Investments Limited and Bank of Ireland are regulated by the Financial Regulator and are tied agents of New Ireland Assurance Company plc. A member of Bank of Ireland Group. KBC Asset Management Limited is regulated by the Financial Regulator. 14 Please refer to the Schedule of fees and charges for foreign currency accounts for the complete list of fees and charges. 15 Terms and conditions apply. Benefits are subject to underwriting requirements and acceptance by Bank of Ireland Life. 16 Revenue limits and terms and conditions apply. It should be noted that tax relief is not automatically granted you must satisfy Revenue requirements. Your benefits at retirement may be subject to tax. Terms and conditions apply to Global Markets products. Bank of Ireland Life is a trading name of New Ireland Assurance Company plc. New Ireland Assurance Company plc. trading as Bank of Ireland Life is regulated by the Financial Regulator. Bank of Ireland Insurance & Investments Limited and Bank of Ireland are regulated by the Financial Regulator and are tied agents of New Ireland Assurance Company plc., a member of the Bank of Ireland Group. Lending criteria and terms and conditions apply. Bank of Ireland Finance is a registered business name of Bank of Ireland. Bank of Ireland is regulated by the Financial Regulator

12 Notes 22

13 R(07/2008)

Business Start-Up Package

Business Start-Up Package Business Start-Up Package Ireland s Enterprise Bank Everything you need to help your business start and grow When it comes to starting a business, you have a number of decisions to make. One of the most

More information

Financing your business. Overdraft Credit Cards Business Loan Equipment Finance Specialised Finance

Financing your business. Overdraft Credit Cards Business Loan Equipment Finance Specialised Finance Financing your business Overdraft Credit Cards Business Loan Equipment Finance Specialised Finance At Bank of Melbourne, we know that no two businesses are the same. So our banking begins with a conversation.

More information

Financial Advice Guide for your Business

Financial Advice Guide for your Business Financial Advice Guide for your Business Contents Section 1: Section 2: Section 3: Section 4: Section 5: Section 6: Talk to your bank Reviewing your business for the future Managing your business today

More information

Expenses made easy with visa business cards

Expenses made easy with visa business cards Expenses made easy with visa business cards 1890 251 251 www.bankofireland.com/business/creditcards VBC 37-335RU.16 (04/12) Bank of Ireland is regulated by the Central Bank of Ireland. Visa Business Card

More information

Business banking working for you

Business banking working for you Supporting Business - Working for you Business banking working for you First Trust Bank Business Banking First Trust Bank offers you the benefits you would expect from your bank and more; a great range

More information

ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries

ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries About Barclays Wealth At Barclays Wealth we have developed a different approach to financial services. We understand

More information

A finance guide for working life

A finance guide for working life A finance guide for working life Contents Introduction Planning your short, medium and long-term needs 3 4 Your needs - our solutions The freedom to enjoy your money Savings to help pay for the important

More information

FAQs FOR CREDIT CARDS. al khaliji France FAQs for Credit Cards

FAQs FOR CREDIT CARDS. al khaliji France FAQs for Credit Cards FAQs FOR CREDIT CARDS FAQs for Credit Cards Card basics 03 Managing your credit limit 03 Using your card 04 Paying your bills 05 If there are problems 06 Fees & charges 06 Other benefits 06 02 1. Card

More information

Personal Pension Account

Personal Pension Account Personal Pension Account Contents Introduction... 1 A Closer Look At Our Personal Pension Account... 2 What Are The Tax Advantages?... 3 Flexible Contribution Options... 4 You Control Your Investment...

More information

Moving Your Pension Overseas

Moving Your Pension Overseas Moving Your Pension Overseas Moving Your Pension Overseas Retirement is the reward we all look forward to after decades of climbing the career ladder and living for the weekends. After working so hard

More information

Ireland s best Start-up business loan rate 4.95%

Ireland s best Start-up business loan rate 4.95% Ireland s best Start-up business loan rate 4.95% Ireland s KPMG Business Banking Excellence Award Winner 2005, 2006 & 2007 Get the right people behind you. Start-ups, start here By talking to us today.

More information

ANZ Airpoints Visa WELCOME GUIDE

ANZ Airpoints Visa WELCOME GUIDE ANZ Airpoints Visa WELCOME GUIDE Introducing the ANZ Airpoints Visa and the ANZ Airpoints Visa Platinum, the credit cards that reward you with Air New Zealand Airpoints Dollars. The ANZ Airpoints Visa

More information

Financing your business. Overdraft Line of Credit Credit Cards Business Loan Equipment Finance Specialised Finance

Financing your business. Overdraft Line of Credit Credit Cards Business Loan Equipment Finance Specialised Finance Financing your business Overdraft Line of Credit Credit Cards Business Loan Equipment Finance Specialised Finance At Bank of Melbourne, we know that no two businesses are the same. So our banking begins

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

AIB BUSINESS START-UP PACKAGE WE RE BACKING BRAVE

AIB BUSINESS START-UP PACKAGE WE RE BACKING BRAVE AIB BUSINESS START-UP PACKAGE WE RE BACKING BRAVE #backedbyaib Contents 01 Helping you from the start 02 AIB Business Start-up Package 04 Business Start-up Current Account 06 Online Banking Services 08

More information

Sample Plan. Financial Plan

Sample Plan. Financial Plan Financial Plan ... Financial Plan For Peter & Helen Conroy....... a. a August 15, 2012 This Financial Plan together with your Plan of Action constitute your Statement of Suitability. Important Notice -

More information

1 Regional Bank Regional banks specialize in consumer and commercial products within one region of a country, such as a state or within a group of states. A regional bank is smaller than a bank that operates

More information

Schedule of fees and charges. for business customers

Schedule of fees and charges. for business customers Schedule of fees and charges for business customers Effective June 2011 Contents Introduction 1 Business current account fees and charges explained 2 Types of fees and charges 2 Notification of fees and

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

Small Business Banking. It s your business

Small Business Banking. It s your business Small Business Banking It s your business No matter what stage your business is at, the right partnerships can make all the difference. Whether you ve got a great business idea, wanting to expand or just

More information

Investing in onshore bonds

Investing in onshore bonds Investing in onshore bonds Open up your options with our Tailored Investment Bond Before you decide to buy, you need to know what the risks and commitments are. Read our key features document (TNB17).

More information

International Bond Key features

International Bond Key features International Bond Key features This is an important document. Please read it and keep for future reference. Helping you decide This key features document contains important information about the main

More information

Key features of your Old Mutual International. For UK customers

Key features of your Old Mutual International. For UK customers Key features of your Old Mutual International Portfolio Bond For UK customers The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual International Isle of Man Limited,

More information

Life stage banking solutions for small business

Life stage banking solutions for small business Life stage banking solutions for small business Nedbank Small Business Services The perfect solution for your small business with Nedbank A life stage banking solution specially designed for small businesses.

More information

BANKWEST PRIVATE BANK. Private Banking from Bankwest

BANKWEST PRIVATE BANK. Private Banking from Bankwest BANKWEST PRIVATE BANK At Bankwest Private Bank we understand the unique challenges of managing personal wealth. Our Private Client Managers provide a discrete and specialist approach to growing, diversifying

More information

Credit cards explained

Credit cards explained Credit cards explained What is a credit card? As its name suggests, a credit card lets you buy things on credit meaning that you don t need to have the money upfront to pay for your purchases. If large,

More information

MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ

MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ We are proud to offer MAS Members a comprehensive range of banking solutions. Whether you are buying your first home, building your property portfolio,

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

HOW DO SMALL BUSINESSES OPERATE

HOW DO SMALL BUSINESSES OPERATE HOW DO SMALL BUSINESSES OPERATE Sources of Finance and Advice N4 BUSINESS IN ACTION N5 UNDERSTANDING BUSINESS LEARNING INTENTIONS AND LEARNING INTENTION: I understand the SUCCESS CRITERIA different sources

More information

Key Features of investing in an Old Mutual Wealth Collective. via an Old Mutual International - International Portfolio Bond

Key Features of investing in an Old Mutual Wealth Collective. via an Old Mutual International - International Portfolio Bond Key Features of investing in an Old Mutual Wealth Collective Investment Account* via an Old Mutual International - International Portfolio Bond For UK Customers *Provided by Old Mutual Wealth Limited The

More information

Interest is only paid on the amount of the overdraft drawn down.

Interest is only paid on the amount of the overdraft drawn down. Overdraft By enabling you to overdraw from your cheque account, an overdraft is particularly useful at times when income is temporarily insufficient to meet payments that are due. Overdrafts do not require

More information

Transactions & Savings Because managing your money should be easy.

Transactions & Savings Because managing your money should be easy. Transactions & Savings Because managing your money should be easy. Your guide to how People s Choice Credit Union can help you with your everyday banking needs and achieve your saving and investment goals.

More information

Stage Three: Planning for your child s future

Stage Three: Planning for your child s future 44 Baby Steps Stage Three: Planning for your child s future When you have a family looking ahead and planning your finances into the future is more important than ever. This stage of the guide gives you

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

Planning a trip? We have you covered, from travel insurance to managing your money.

Planning a trip? We have you covered, from travel insurance to managing your money. Planning a trip? We have you covered, from travel insurance to managing your money. Getting ready for a trip? It s an exciting time with so much to look forward to and so much to prepare for. Getting ready

More information

Trading with other businesses on credit terms?

Trading with other businesses on credit terms? Invoice Finance Trading with other businesses on credit terms? Our services can help to speed up your cash flow, collect payment on your invoices and protect you from the risk of bad debts. Achieving and

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

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

Big business advantage, small business flexibility.

Big business advantage, small business flexibility. Big business advantage, small business flexibility. BMW Financial Services Chattel Mortgage The Ultimate Driving Machine BMW applies the same disciplined, yet creative and dynamic approach to finance services

More information

CIMA F3 Course Notes. Chapter 3. Short term finance

CIMA F3 Course Notes. Chapter 3. Short term finance CIMA F3 Course Notes c Chapter 3 Short term finance Personal use only - not licensed for use on courses 31 1. Conservative, Aggressive and Matching strategies There are three over-riding approaches to

More information

Business Lending. Maximising your cash flow and financing your business needs

Business Lending. Maximising your cash flow and financing your business needs Business Lending Maximising your cash flow and financing your business needs You drive the business. We ll drive the service. Often there just isn t enough time to stop and think about how you could improve

More information

Westpac Credit Cards. Credit cards

Westpac Credit Cards. Credit cards Westpac Credit Cards Credit cards As at 15 November 2013 You can buy the things you need now and pay off your card in a flexible way later. Contents 4 What do you get with a Westpac credit card? 6 Which

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

Fees and Charges Effective 17 April 2016

Fees and Charges Effective 17 April 2016 Effective 17 April 2016 Contents Saving money on your banking...1 Everyday accounts...2 Savings accounts... 3 Term Deposits and Foreign Currency Term Deposits...4 ANZ Freedom Years Package... 4 ANZ Migrant

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

CASH FLOW & PAYMENTS free up time to focus on the bigger things

CASH FLOW & PAYMENTS free up time to focus on the bigger things CASH FLOW & PAYMENTS free up time to focus on the bigger things Like to know more? Tell us more about your business needs, and we can suggest some appropriate solutions. Talk to a Business Banking Manager,

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

Eagle Star Self-directed Pension

Eagle Star Self-directed Pension Eagle Star Self-directed Pension Customer Brochure Puts you in control About Zurich Life Zurich Life Assurance plc is a member of Zurich Financial Services group, an insurance-based financial services

More information

how the One account works all your questions answered 08456 000 00 1 oneaccount.com

how the One account works all your questions answered 08456 000 00 1 oneaccount.com how the One account works all your questions answered 08456 000 00 1 oneaccount.com Contact us By telephone 08456 000 00 1 By typetalk 08456 000 00 1 By textphone 08456 10 10 56 By post By web The One

More information

INDIVIDUAL SAVINGS ACCOUNT (ISA) KEY FEATURES. What is the

INDIVIDUAL SAVINGS ACCOUNT (ISA) KEY FEATURES. What is the Legal & General (Portfolio management SERVICES) LIMITED Legal & General Stock Market Linked Savings Bond 7 Individual Savings Account (ISA). Key Features 2 INDIVIDUAL SAVINGS ACCOUNT (ISA) KEY FEATURES

More information

Putting your dreams within reach. Tailored financial solutions for aviation

Putting your dreams within reach. Tailored financial solutions for aviation Putting your dreams within reach Tailored financial solutions for aviation The highest level of personal attention throughout the acquisition process and beyond Perhaps you ve got your eye on a state-of-the-art

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

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

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

Support to match your ambition

Support to match your ambition Start-Ups Support to match your ambition Offering products, information and supports, to help you get your business started. Business Banking how we support you Ambitious for your business? So are we.

More information

PAGE 04/ ASSET FINANCE 06/ BRIDGING FINANCE 08/ DEVELOPMENT FINANCE

PAGE 04/ ASSET FINANCE 06/ BRIDGING FINANCE 08/ DEVELOPMENT FINANCE We understand PAGE 04/ ASSET FINANCE 06/ BRIDGING FINANCE 08/ DEVELOPMENT FINANCE WELCOME TO UNITED TRUST BANK is an established specialist lender providing a wide range of short to medium term secured

More information

Funding for Growth. Introduction & brief outline of the format for today

Funding for Growth. Introduction & brief outline of the format for today Funding for Growth Funding for Growth: Does your business need working capital to grow? Introduction & brief outline of the format for today Attendees to introduce themselves & advise what they hope to

More information

castles Proudly Supported by Westpac Premier Advantage Package

castles Proudly Supported by Westpac Premier Advantage Package castles Proudly Supported by Westpac Premier Advantage Package Thank you for considering Westpac. We aim to delight our customers and earn all of their business. That s why we created the Premier Advantage

More information

Deposit Plan. Legal & General (Portfolio Management Services) Limited. Capital Guaranteed Multi-Index Equity Bond 10 Deposit Plan Key Features

Deposit Plan. Legal & General (Portfolio Management Services) Limited. Capital Guaranteed Multi-Index Equity Bond 10 Deposit Plan Key Features Deposit Plan Legal & General (Portfolio Management Services ) Limited Capital Guaranteed Multi-Index Equity Bond 10 Deposit Plan Key Features Wealth management made easier by Legal & General Legal & General

More information

A warm welcome to the first edition of the Ashtree Financial Services Newsletter.

A warm welcome to the first edition of the Ashtree Financial Services Newsletter. Ashtree Financial Services is part of the Autoline Insurance Group OCTOBER 2011 Ashtree Financial Newsletter - Issue 1 A warm welcome to the first edition of the Ashtree Financial Services Newsletter.

More information

Renew and upgrade your equipment. Equipment Finance

Renew and upgrade your equipment. Equipment Finance Renew and upgrade your equipment Equipment Finance Equipment that operates at peak performance is important to your practice s success. Old equipment can be costly to service and equipment down time can

More information

Adviceguide Advice that makes a difference

Adviceguide Advice that makes a difference Jargon Buster A Z of financial terms This fact sheet explains some of the financial terms that you might come across when you are dealing with financial matters. ACCOUNT:- this is provided by a bank or

More information

Talk to us today boi.com/student

Talk to us today boi.com/student Talk to us today boi.com/student OMI003444 - Student Product Brochure V2.indd 1 18/09/2015 12:01 Travel Insurance is arranged by Bank of Ireland Insurance Services Limited through Bank of Ireland Card

More information

Business Planner. Your small business planning guide

Business Planner. Your small business planning guide Business Planner Your small business planning guide What s Inside the TD Canada Trust Business Planner Glossary...4 Your Business Profile What your business does or intends to do and your competitive advantage

More information

Build an investment portfolio that meets your needs

Build an investment portfolio that meets your needs Investments EBS Choice Investments Build an investment portfolio that meets your needs MOney advice Designed Around EBS Choice Investments is provided by Irish Life Assurance plc. Important note: EBS Choice

More information

account statement a record of transactions in an account at a financial institution, usually provided each month

account statement a record of transactions in an account at a financial institution, usually provided each month GLOSSARY GLOSSARY Following are definitions for key words as they are used in the financial life skills resource. They may have different or additional meanings in other contexts. A account an arrangement

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

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

Ministry Of Finance VAT Department. VAT Guidance for Financial Services Version 4: June 09, 2015

Ministry Of Finance VAT Department. VAT Guidance for Financial Services Version 4: June 09, 2015 Ministry Of Finance VAT Department VAT Guidance for Financial Services Version 4: June 09, 2015 Introduction This guide is intended to provide businesses offering financial services with information about

More information

3rd Level. Student Plus Account. Ireland s No.1 Student Bank

3rd Level. Student Plus Account. Ireland s No.1 Student Bank 3rd Level Student Plus Account Ireland s No.1 Student Bank Contents 01 Introduction 03 The AIB Student Plus Account 04 Account Stuff 06 Student Leap Card 08 AIB Phone, Internet & Mobile Banking 10 AIB

More information

Connecting you to opportunities around the world. HSBC Foreign Exchange Solutions

Connecting you to opportunities around the world. HSBC Foreign Exchange Solutions Connecting you to opportunities around the world HSBC Foreign Exchange Solutions REACH OUT TO THE WORLD The world is getting smaller every day. Opportunities await us everywhere. Be it investing globally,

More information

Personal. Personal insurance. Protection for all life stages. Financial solutions. For life.

Personal. Personal insurance. Protection for all life stages. Financial solutions. For life. Personal Personal insurance Protection for all life stages Financial solutions. For life. Contents Protecting your well-being and your family s 3 Why leave anything to chance? 4 Making it easier for you

More information

Wealth. Financial Planning Superannuation and retirement planning Tax effective investments Protection Direct solutions

Wealth. Financial Planning Superannuation and retirement planning Tax effective investments Protection Direct solutions Wealth Financial Planning Superannuation and retirement planning Tax effective investments Protection Direct solutions We all have different plans in life. At Bank of Melbourne, our commitment to you starts

More information

Self Invested Personal Pension

Self Invested Personal Pension Self Invested Personal Pension Product providers for financial advisors A simple guide to securing your future Who are we? Wealth Options Ltd. is a leading distributor of innovative products to the Irish

More information

How to Use Your Retirement Funds to Finance Your Small Business with No Taxes or Penalties. How To Use Your Retirement Funds to Finance Your Business

How to Use Your Retirement Funds to Finance Your Small Business with No Taxes or Penalties. How To Use Your Retirement Funds to Finance Your Business How To Use Your Retirement Funds to Finance Your Business By Bill Seagraves, President January 25, 2009 TABLE OF CONTENTS Overview Succeed in Business and Retire Wealthy: It s All About Cash Flow The Rich

More information

SMALL BUSINESS GROWTH

SMALL BUSINESS GROWTH MAKE SMALL BUSINESS GROWTH HAPPEN For more information go to nedbank.co.za or visit a branch to speak to a Nedbank consultant. PARTNERING FOR GROWTH 8586 Nedbank Small Business Brochure 200x200_Rev3.indd

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

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

Moving from Sage 50 Accounts to Sage 200 Standard Online

Moving from Sage 50 Accounts to Sage 200 Standard Online Moving from Sage 50 Accounts to Sage 200 Standard Online 2 Contents Contents Software that grows with your business...4 Straightforward online accounting...5 Reasons to upgrade...6 Financials - Managing

More information

Schedule of fees and charges for business customers

Schedule of fees and charges for business customers Schedule of fees and charges for business customers Effective 23 February 2015 Bank of Ireland is regulated by the Central Bank of Ireland. 37-560RU.35(02/15) Schedule of fees and charges Contents Introduction

More information

Credit Crunching. a student guide to credit 2010/11

Credit Crunching. a student guide to credit 2010/11 Credit Crunching a student guide to credit 2010/11 Introduction Whether you are a student or a graduate it is important to understand all the different types of credit out there in the market place. Credit

More information

Legal & General (Portfolio Management Services) Limited. Stock Market Linked Savings Bond 1 Individual Savings Account (ISA) Key Features

Legal & General (Portfolio Management Services) Limited. Stock Market Linked Savings Bond 1 Individual Savings Account (ISA) Key Features Legal & General (Portfolio Management Services) Limited Stock Market Linked Savings Bond 1 Individual Savings Account (ISA) Key Features Wealth management made easier by Legal & General Legal & General

More information

Contracting in Ireland

Contracting in Ireland This guide answers all your questions in relation to contracting in Ireland and overseas. Imelda Prendergast, Partner, OSK Contracting T: 01 439 4206. E: prendergasti@osk.ie Contents 1. Advantages & Disadvantages

More information

With Our PRSA You Can

With Our PRSA You Can Live Life Your Way With Our PRSA You Can Making Your Money Work As Hard As You Do Contents Why Should I Plan For My Retirement?... 2 How Will My PRSA Work?... 4 How Will I Benefit From A PRSA?... 6 Investment

More information

Personal & Business banking charges

Personal & Business banking charges Personal & Business banking charges 18th March 2015 Banking Charges Personal banking charges Business banking charges At permanent tsb our vision is to offer real value, excellent customer service and

More information

GUIDE TO BUSINESS FINANCE & BUSINESS FUNDING

GUIDE TO BUSINESS FINANCE & BUSINESS FUNDING GUIDE TO BUSINESS FINANCE & BUSINESS FUNDING M3 Corporate Finance M3 Corporate Finance is an independent corporate finance house focused exclusively on mid-market transactions. M3 offers specialist corporate

More information

Financial Package Nurses, Registered Practical Nurses and Students in these professions. We take care of you

Financial Package Nurses, Registered Practical Nurses and Students in these professions. We take care of you Financial Package Nurses, Registered Practical Nurses and Students in these professions We take care of you 02 FINANCIAL PACKAGE Nurses, Registered Practical Nurses and Students in these professions Understand,

More information

ANZ EFTPOS card and ANZ Visa Debit card

ANZ EFTPOS card and ANZ Visa Debit card ANZ EFTPOS card and ANZ Visa Debit card Conditions of Use Where to find things in this document What you need to know about these Conditions of Use...1 How to contact us...1 A glossary of the terms we

More information

ANZ Bank New Zealand Limited ANZ17881

ANZ Bank New Zealand Limited ANZ17881 ANZ Credit Card Conditions of Use Effective 9 December 2015 This document sets out your ANZ Credit Card s terms and conditions In this document we ve explained the terms and conditions applying to your

More information

Credit cards Personal loans Credit lines Leasing What you should know before entering into an agreement

Credit cards Personal loans Credit lines Leasing What you should know before entering into an agreement Credit cards Personal loans Credit lines Leasing What you should know before entering into an agreement Pre-agreement information on personal financing products for private clients Taking out a loan is

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

A guide to business cash flow management

A guide to business cash flow management A guide to business cash flow management Contents 01. Cash flow management 01 02. Practical steps to managing cash flow 04 03. Improving everyday cash flow 06 04. How to manage cash flow surpluses and

More information

Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid.

Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid. Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid. WHAT IS INSURANCE? It s simply the transference of a risk from yourself to the Insurer. By paying the

More information

KEY GUIDE. Setting up a new business

KEY GUIDE. Setting up a new business KEY GUIDE Setting up a new business The business idea You have a business idea, but can you turn it into a viable enterprise? Is there a market for the goods you will produce or the services you will supply?

More information

Personal banking for the business owner

Personal banking for the business owner Personal banking for the business owner Transaction Accounts Internet and Phone Banking Business Banking Online Savings Accounts Home Loans Portfolio Loan Wealth At Bank of Melbourne, we recognise your

More information

Travelling overseas? TRAVEL TIPS, MONEY AND INSURANCE FOR OVERSEAS TRAVEL

Travelling overseas? TRAVEL TIPS, MONEY AND INSURANCE FOR OVERSEAS TRAVEL Travelling overseas? TRAVEL TIPS, MONEY AND INSURANCE FOR OVERSEAS TRAVEL Travel and Foreign Exchange We provide a one-stop-shop for all your foreign exchange needs, making it easy for you to manage your

More information

HSBC Foreign Exchange Solutions

HSBC Foreign Exchange Solutions HSBC Foreign Exchange Solutions Connecting Connecting you you to to opportunities opportunities around around the the world world The world is getting smaller every day, day. opportunities Opportunities

More information

Your Move a Walk in the Park

Your Move a Walk in the Park M ake Your Move a Walk in the Park We are delighted that you are considering buying an MHA property and want you to enjoy the benefits of our retirement living as soon as possible. Share the cost Buy from

More information

Elders Finance Solutions MAKES MORE POSSIBLE.

Elders Finance Solutions MAKES MORE POSSIBLE. Elders Finance Solutions MAKES MORE POSSIBLE. ELDERS FINANCE UNDERSTANDS THE UNIQUE NEEDS OF RURAL CLIENTS AND CAN MATCH THESE AGAINST PRODUCTS TAILORED SPECIFICALLY TO MEET THE NEEDS OF RURAL AND REGIONAL

More information

Important information. Key Features of the Prudential International Investment Portfolio

Important information. Key Features of the Prudential International Investment Portfolio Important information Key Features of the Prudential International Investment Portfolio > Contents About this booklet 3 About the Prudential International Investment Portfolio 3 Its aim 4 Your investment

More information