Basic Current Account Information and Specific Conditions

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Basic Current Account Information and Specific Conditions"

Transcription

1 Basic Current Account Information and Specific Conditions

2 Current Accounts Information Contents The Basic Current Account 03 Opening your Basic Current Account 03 What to expect once we have opened your account 04 Your cash card 04 Keeping track of your money 05 Making payments 05 Making banking easy 10 Jargon buster 12 Basic Account Specific Conditions 14 02

3 The Basic Current Account Opening your Basic Current Account The basic Current account makes managing your money easy and straightforward. This guide tells you everything you need to know about opening and using your account. The basic Current account makes it easy for you to manage your money from your own home with Online banking, Telephone banking, Mobile banking or at the post office and Santander branches in the Uk. Where we mention Santander branches in this guide, we mean Santander branches in the Uk. Main features: n a cash card for easy access to your money through Santander and LInk cash machines in the Uk. n You can manage your money online, on your mobile, over the phone, or at any post office or Santander branch in the Uk. Please see the Making payments section on page 5 for more details. n You can pay regular bills by Direct Debit or standing orders. n We do not pay credit interest on money in your account. n However, there is no overdraft or chequebook facility. We ve made it easy for you to open your basic Current account. In this pack are the forms you need to fill in and send back to us, and other documents to help you do this. To apply you must: n fill in the enclosed application form; n get two forms of identification, (or only one form of identification if you have another type of account at Santander), as explained at the start of the application form; and n send black and white photocopies of both forms of identification (originals not required) and a filled-in and signed application form in the envelope provided. Whether we accept your application will depend on your circumstances. We may not be able to offer you an account if you have been declared bankrupt or have another current account in the Uk. When you apply we will approach a Credit Reference agency to confirm some information about you for fraud, identification and eligibility checking purposes. a record of our request will not be seen by others and our decision will not be based on a credit score. We will send you a letter within seven working days to let you know whether we have accepted your application. If you have any questions about your application, you can call us on (Monday to Friday 8am to 8pm and Saturdays 8am to 6pm). 03

4 Current Accounts Information What to expect once we have opened your account n Your cash card and personal identification number (PIn) will come through the post to you within 10 working days of us accepting your application. We will send you your PIn separately to the card. n You ll get your first bank statement a month after you open the account. n Your sort code and your eight-digit account number will be shown on your account confirmation letter, which you ll receive within seven working days of your account being opened. It s a good idea to do the following n Register for Telephone and Online banking so you can keep up to date with your money 24 hours a day. For Telephone and Online banking, you can do this on the enclosed application form. For Mobile banking, using your mobile phone, just type m.santander.co.uk into your mobile s internet browser. To use Mobile banking, you will need to have registered and logged on to Online banking at least once. n For added security, change the PIn that we send you. The first time you use your card, use the PIn we have given to you. You can then use a Santander cash machine to change the PIn to any four-digit number you choose. Choose PIN services Follow the instructions on the screen n Read our Interest Rates and Fees Information leaflet which includes details of our charges and fees. Please ask in your local branch for this leaflet or you can also print a copy from our website at Your cash card You can use your cash card to take money out of Santander cash machines in the Uk free of charge. You can also use cash machines which display the LInk symbol, and we will not charge you for this. Cash machines give you access to your money 24 hours a day, seven days a week. Other companies may charge you for using cash machines. Please see our Interest Rates and Fees Information leaflet for more information or you can also print a copy from our website at Card security We usually send your cash card in the post. Sometimes, you may have to collect it from a branch for security reasons. If this happens, we will send you a letter to let you know it is there. You will need to bring identification, such as a passport or driving licence when you collect your card. 04

5 Keeping track of your money Making payments We will send you a statement each month to help you keep track of your money. It will give you a breakdown of all the transactions on your account that have taken place since your previous statement. You can also get an instant mini-statement from any Santander cash machine in the Uk, over the phone using the Telephone banking service, or by using Online or Mobile banking. You can also check your balance over the phone, at any cash machine and at post offices in the Uk, and online. You can also use Online and Telephone banking, which you can apply for on your account application form. as part of the Online banking service we offer free text message and account alerts to help you keep informed about your money. The maximum amount you may have at any time in your account is 10,000. We have a range of options that allow you to make payments into or out of your account in the way that suits you best. These are: n cash; n standing orders; n Direct Debits; and n a bill-payment service. Cash Paying in cash You can pay in cash and cheques at any Santander branch cash machine, or Santander branch in the Uk. Knowing when your cash is available If you pay cash in at a cash machine, the money will be made available to you before 12 midnight of the following working day after the day it is paid in. Withdrawing cash You can use your card at any Santander or LInk cash machine to withdraw cash. You can withdraw money over the counter in our branches, as long as your withdrawals are not less than 300. Please call us on if you need more information, or see the Interest Rates and Fees Information leaflet. 05

6 Current Accounts Information Knowing when cheques have cleared If you pay in a cheque over the counter, the money will normally be available on the fourth working day after it is paid in. This does not mean that the cheque has cleared. If a cheque is later returned unpaid, we will take the amount out of your account up to and including the sixth working day after the day you paid the cheque into your account. The timescales in the table below are for cheques paid in over the counter at a branch and show when we aim to make funds available to you. If you pay cheques in using a Santander cash machine, there will be an extra working day before you can withdraw the money and be certain that the money is yours. The timescales given in this table are only a general guide as to when we aim to make funds available to you. The time it takes us to process cheques in a currency other than sterling will vary. Separate conditions apply to paying in foreign currency cheques. Cheque clearance timescales Day cheque paid in Day we allow you to withdraw the money Day you can be sure the money is yours Monday Friday Following Wednesday Tuesday Monday Following Thursday Wednesday Tuesday Following Friday Thursday Wednesday Following Monday Friday Thursday Following Tuesday Saturday Friday Following Wednesday Sunday Friday Following Wednesday 06

7 Your salary You can pay your salary or any other income (for example, benefits, standing orders from other people and so on) into your account automatically. Standing orders You can tell us to pay a set amount out of your account on a regular basis. This can go into any other account; for example, a savings account or someone else s account (for example, to pay rent each month). To set up a standing order, simply fill in a form telling us who to pay, how often and what the amount is. Please give us seven days to deal with your request. You can use Online banking or visit any Santander branch to set up a standing order. Cancelling or changing your standing order If you need to cancel or change your standing order, you can do so over the phone, through Online banking or in a branch. You must tell us the day before the payment is due to go out of your account. Direct Debits If you need to make regular payments to suppliers, for example, to pay hire-purchase amounts, gas, electricity or water bills and so on, you can authorise organisations to take money out of your account on a regular basis. Some organisations offer a discount if you pay by Direct Debit. To set up a Direct Debit, get a form from the company you want to pay. Remember to give the Santander address when you fill it in. as long as you have given permission in writing (by signing the form) and the company has been approved by its own bankers, we will arrange for the company to collect the money direct from your account. The Direct Debit Guarantee The form you fill in should have a guarantee attached. If there is a mistake with your Direct Debit, you are entitled to a full refund. If the form does not have a guarantee, the payment is known as a recurring transaction and is not protected in the same way as a guaranteed Direct Debit. also, you may not be asked to sign anything and a transaction may take place without you receiving anything in writing relating to the payment. Cancelling your Direct Debit You can use Online banking or go into a branch to cancel a Direct Debit. If you do cancel, please tell both us and the company concerned. You must tell us the day before the payment is due to go out of your account. 07

8 Current Accounts Information Paying bills When you set up your bill payments, we will give you a two-digit number for each bill. You need to use this number to identify the bill that you want to pay when you make payments by phone, Online banking or through a cash machine. You can pay as much or as little of the bill as you want. Fees on your account Unpaid Transaction Fees basic Current accounts do not offer overdraft facilities. Each time you ask us to make a payment and there isn t enough money in your account to cover it, we will not pay it and we will charge you an Unpaid Transaction Fee of 25. Unpaid Transaction Fee 25 International payments We offer you several convenient ways to send and receive money worldwide. The method you choose really depends on how much money is involved, and how quickly you need to move it. n Send a small, non-urgent payment to someone abroad, in a foreign currency. n Send money quickly (in either sterling or in a foreign currency) to a non-uk current account. n Receive money from someone who has a non-uk current account. n Pay in a cheque in a foreign currency. For more information on how much we charge for this service, please ask in branch to see our Interest Rates and Fees Information leaflet. Send a small, non-urgent payment to someone abroad We suggest you use a currency draft. This works just like a cheque, except it s drawn in local currency on a foreign bank. ask for a currency draft at your branch. Two days after the money is taken from your account, we can send the draft to you, or you can collect it from the Santander branch where you ordered it. Then, simply send it to the person you want to pay. The exchange rate we use will be the rate on the day that we take the money from your account. Send money quickly to a non-uk current account If you need to get money to someone quickly, use a telegraphic transfer. This allows you to send money direct to someone s current account as long as you have the correct account information for the person you want to pay and the details of their bank. We can send telegraphic transfers in most currencies. There may be a charge for this service. Please visit our website for more details. 08

9 If you re transferring money to a country in the European Union (including Iceland, Liechtenstein and norway), the money should normally arrive in the account of the person you want to pay no later than the end of the working day following the working day on which we receive the instruction. If you re transferring money to other countries, these timescales might be different. Please check with your local branch. The exchange rate we use will be the rate on the day we take the money from your account. Please make sure you bring your basic cash card and proof of your ID. We may also ask you some standard security questions about your account. For more details of other acceptable identification, please call Receive money from someone who has a non-uk current account any telegraphic transfer we receive for you, from a bank that is abroad, will be in your account by close of business on the day we receive the payment using our exchange rate on that day. Paying in a cheque in a foreign currency You can pay cheques in foreign currency into your account as long as they ve been made payable to you and are no more than six months old. We use two different ways to clear these cheques. We will normally send the cheque to the bank it came from, asking for payment on your behalf. In this case, we ll need to wait to receive the money before paying it into your account. Just so that you know, cheques cleared this way usually take between four and eight weeks to clear, depending on the country they come from. Or, we can decide to pay money into your account within six working days without needing to receive confirmation of clearance from the bank on which the cheque was drawn. However, we can take the money out of your account if the cheque is later returned unpaid. If this happens, we will make extra charges. In both cases, the amount of the cheque will be converted to sterling at the exchange rate on the day we pay the money into your account. 09

10 Current Accounts Information Making banking easy With over 1,400 Santander branches across the Uk, online access 24 hours a day, a dedicated telephone team available seven days a week, and access to your account at post offices, you can manage your money how you want at a time convenient to you. Access at a glance Branch Santander cash machine* Telephone Banking Online Banking Mobile Banking iphone app Check your balance and get a mini-statement Order a copy statement Transfer money to a Santander account Transfer money to another current account (see note 1) Pay a bill View your standing orders and Direct Debits Set up a standing order or bill payment Order a new card if yours is damaged Set up account alerts** Manage account alerts** *You can only withdraw cash or check your balance from third parties cash machines. Some third parties may charge a fee. **You can set up two or text message alerts in Mobile banking for when your balance goes above or below a certain amount. You can also see all the other alerts you have set up in Online banking, such as when a large deposit or payment is made. note 1: For transfers using our cash machines, Mobile banking, iphone app or Telephone banking service, you must register beforehand the account details of the account you want to transfer money to. 10

11 Your account is in safe hands We understand how important it is for you to know your details are protected. That s why we have introduced security measures on our Telephone, Online and Mobile banking. This means that only you will be able to have access to your account. Remote access in three easy steps Registering for Telephone and Online banking is simple and you can do it over the phone, online or when you apply for your account on your application form. Just follow these easy steps. Telephone Banking 1 Call us on We will send you a Telephone banking number (Tbn). 3 Call with your card number and Tbn so you can manage your account. There are two options to manage your account by phone, using either the automated service (which is available 24 hours a day) or by speaking to a customer service adviser (Monday to Saturday 7am to 11pm and Sunday 8am to 10pm). Online Banking 1 Go online at call us on or speak to an adviser in any branch. 2 We will send you a Personal ID and Passcode. We will then send you your Registration number. 3 Log on to Personal Online banking at to manage your account. Mobile Banking You can now manage your accounts on the go with our Mobile banking service. 1 To access our Mobile banking service, you need to be registered for Online banking and have logged on to at least once. 2 Type m.santander.co.uk into your mobile phone s internet browser and use the same Online banking security information to access your accounts on the move. If you have an iphone or ipad, you can also download our free app from the apple app Store. 11

12 Current Accounts Information Jargon buster Cash card a card that can only be used in cash machines to take money out or put it in. It also allows you to use other services at a cash machine; for example, to check how much money you have in your account Cheque-clearance timescales When you pay a cheque into your account, we have to check that there is enough money in the other person s account and then get it from their bank. The time it takes is called the cheque-clearance timescales. Direct Debit This is a simple, direct way for companies to take money from your account if you authorise them to do so. You can use it to pay regular bills, such as gas, electricity or mobile phone bills. The company asks us for the money automatically each month. With some bills, for example phone bills, the amount that the company takes may change each month. LINK cash machines LInk is a Uk network of cash machines. You can use LInk cards to take out money from cash machines where you see the LInk sign. Online Banking Registration number We use this, along with your Passcode, to confirm your identity when you use Online banking. PIN This is your personal identification number. It is a four-digit number that we give you with your cash card. You need to type in your PIn when you take money out of a cash machine. You should never reveal your PIn to anyone else. as long as only you know the PIn, then only you can use your cards. Santander branches Where we have referred to Santander branches in this guide, it relates to those Santander branches based in the Uk. Standing order This is a way for you to make regular payments to another account. It is useful for payments such as rent or mortgage. When you set this up, we arrange for the money to be paid out of your account on a set date each month. You just need to tell us the amount, the account that it is going to, and the date that you want us to pay out the money. Online Banking This is the service that allows you to manage your money online. It is another name for electronic banking. We have included the benefits of Online banking and how to register in this guide. 12

13 TBN This is your telephone banking number. It helps us to identify you when you bank with us by phone. as a result it helps to keep your account secure. You should not reveal it to anyone else. Telephone Banking This is the service that allows you to manage your account by phone. You can do things such as listen to your balance, pay bills, or report lost or stolen cards. You can find out how to register for Telephone banking in this guide. 13

14 Current Accounts Information Basic Account Specific Conditions These Specific Conditions are in addition to the General Terms and Conditions for Current accounts and Savings accounts ( the General Conditions ). A1 Eligibility and balance limits a1.1 To open an account you must be 16 or over and not already have a basic account with us. a1.2 The maximum amount you may have at any time in your account is 10,000. A2 Joint accounts a2.1 Subject to a2.2, two of you (but not more) may have an account in joint names. a2.2 In some limited circumstances, an account may be opened in sole name only. If this applies, we will tell you at the time of application. A3 Paying money in a3.1 General a) You may pay money into your account over the counter in our branches or by using your card at some of our cash machines. You may only pay in sterling bank notes or coins and sterling cheques made payable to you. b) You cannot pay money in at a Post Office. A4 Taking money out a4.1 In addition to the means stated in the General Conditions, you can carry out transactions at the Post Office. This is limited to two transactions a day per account. There is also a limit to the amount of money you can take out in any one day and we will tell you how much this is before you open your account. A5 Overdrafts Our overdraft services are not available on the basic account. A6 Unpaid Transactions a6.1 If you try to make a payment from your account, without enough money in it to cover that amount: a) we will not let you have that money or make that payment; and b) you will be charged a fee for doing so. Please see our Interest Rates and Fees Information leaflet for details. 14

15 15

16 Santander is able to provide literature in alternative formats. The formats available are: large print, braille and audio CD. If you would like to register to receive correspondence in an alternative format please visit for more information, ask an adviser in branch or give us a call. Santander Uk plc. Registered Office: 2 Triton Square, Regent s Place, London, nw1 3an, United kingdom. Registered number Registered in England. Telephone Calls may be recorded or monitored. authorised by the Prudential Regulation authority and regulated by the Financial Conduct authority and the Prudential Regulation authority, except in respect of its consumer credit products for which Santander Uk plc is licensed and regulated by the Office of Fair Trading. Our Financial Services Register number is Santander Uk plc is also licensed by the Financial Supervision Commission of the Isle of Man for its branch in the Isle of Man. Deposits held with the Isle of Man branch are covered by the Isle of Man Depositors Compensation Scheme as set out in the Isle of Man Depositors Compensation Scheme Regulations In the Isle of Man, Santander Uk plc s principal place of business is at 19/21 Prospect Hill, Douglas, Isle of Man, IM1 1ET. Santander and the flame logo are registered trademarks. bank 0464 JUL 13 HF This item can be recycled.

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

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

More information

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

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

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

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

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

Gold Bank Account Helping you to simplify International Banking

Gold Bank Account Helping you to simplify International Banking GOLD BANK ACCOUNT Gold Bank Account Helping you to simplify International Banking At Santander Private Banking, we are committed to providing a consistently high level of service. We focus on building

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

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

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

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

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

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

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

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

Select Account. The essential guide to your new account

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

More information

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

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

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

NEED TO KNOW. Your account is up and running

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

More information

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

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

The Help to Buy: equity loan scheme What you need to know before you go ahead

The Help to Buy: equity loan scheme What you need to know before you go ahead Page 1 of 5 The Help to Buy: equity loan scheme What you need to know before you go ahead What is the Help to Buy: equity loan scheme? The Help to Buy: equity loan scheme is a Government backed programme

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

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

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

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

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

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

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

Bank of Scotland Bank Accounts. Special conditions

Bank of Scotland Bank Accounts. Special conditions Bank of Scotland Bank Accounts January 2007 Special conditions Bank account conditions Always giving you extra 2 Welcome to the Bank of Scotland Thank you for choosing to bank with the Bank of Scotland.

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

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

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

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

The Help to Buy Equity Loan Scheme What you need to know before you go ahead

The Help to Buy Equity Loan Scheme What you need to know before you go ahead Page 1 of 6 The Help to Buy Equity Loan Scheme What you need to know before you go ahead What is the Help to Buy Equity Loan scheme? The Help to Buy Equity Loan scheme is a Government backed programme

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

Telephone number (including area code) Postcode. Position. Signature

Telephone number (including area code) Postcode. Position. Signature Change of details Please fill in the form using BLOCK CAPITALS and black ink. Tick any boxes which apply. Santander is able to provide literature in alternative formats. The formats available are: large

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

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

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

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

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

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

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

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

General Terms & Conditions and Important Information Current Accounts and Savings Accounts (Including Cash ISAs and Cash Junior ISAs)

General Terms & Conditions and Important Information Current Accounts and Savings Accounts (Including Cash ISAs and Cash Junior ISAs) Important Information General Terms & Conditions and Important Information Current Accounts and Savings Accounts (Including Cash ISAs and Cash Junior ISAs) This document Includes: n PART 1: Our Terms of

More information

General Terms & Conditions and Important Information Current Accounts and Savings Accounts (Including Cash ISAs and Cash Junior ISAs)

General Terms & Conditions and Important Information Current Accounts and Savings Accounts (Including Cash ISAs and Cash Junior ISAs) Important Information General Terms & Conditions and Important Information Current Accounts and Savings Accounts (Including Cash ISAs and Cash Junior ISAs) This document Includes: n PART 1: Our Terms of

More information

Switching Your Account to us. A guide to the Current Account Switch Service

Switching Your Account to us. A guide to the Current Account Switch Service Switching Your Account to us A guide to the Current Account Switch Service Introduction Now you are switching to us, we will handle everything for you in 7 working days from the date your account is opened

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

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

FLEXONE. Terms and Conditions and How to use your account

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

More information

Personal Banking. metrobankonline.co.uk 0345 08 08 500

Personal Banking. metrobankonline.co.uk 0345 08 08 500 Personal Banking metrobankonline.co.uk 0345 08 08 500 time for a new bank Open 7 days, early & late Instant account opening* cards and cheque books printed in store Dedicated switching team Free coin counting

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

Select Silver Account. The essential guide to your new account

Select Silver Account. The essential guide to your new account Select Silver Account The essential guide to your new account The RBS Customer Charter Renewing our commitments to you We want to become Britain s most Helpful Bank. That s why we launched our Customer

More information

International Banking. International Banking tariff guide

International Banking. International Banking tariff guide International Banking International Banking tariff guide Barclays Bank PLC May 2015 Contents 2 Service charges Services currently available to new applicants International Banking Service fees in other

More information

Basic Current Account

Basic Current Account Page 1 of 5 Please keep for future reference Talk to us in any Santander branch in the UK Basic Current Account KeyFactsDocument(including Financial Services Compensation Scheme (FSCS) Information Sheet

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

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

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

Amendments to your Savings Account

Amendments to your Savings Account Page 1 of 6 Isle of Man Savings Amendments to your Savings Account Please fill in the form using BLOCK CAPITALS and black ink. Tick any boxes which apply. Santander is able to provide literature in alternative

More information

Gold Bank Account Helping you to simplify International Banking

Gold Bank Account Helping you to simplify International Banking GOLD BANK ACCOUNT Gold Bank Account Helping you to simplify International Banking At Santander Private Banking, we are committed to providing a consistently high level of service. We focus on building

More information

Personal banking (current, select deposit and youth accounts)

Personal banking (current, select deposit and youth accounts) Personal banking (current, select deposit and youth accounts) Terms and conditions Apply from June 2015 Includes: Junior Saver Account Student 12 to 18 Account Student+ Account Graduate Account Basic Bank

More information

Fees and service charges explained. Personal customers (On sale accounts)

Fees and service charges explained. Personal customers (On sale accounts) s and service charges explained Personal customers (On sale accounts) Correct as at 20 May 2015 This leaf let explains the fees and service charges that may apply, depending on which services you use and

More information

Portfolio Investments Key Features

Portfolio Investments Key Features Portfolio Investments Key Features Including the Investments ISA IMPORTANT INFORMATION YOU NEED TO READ AND UNDERSTAND BEFORE YOU INVEST The Financial Conduct Authority is a financial services regulator.

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

Welcome to student banking. The essentials you need

Welcome to student banking. The essentials you need Welcome to student banking The essentials you need 2 Your journey is about to begin... Welcome to HSBC student banking. Just like your new friends, we re here to support you during your studies. We ll

More information

Banking and Savings Accounts Interest Rates For clients who commenced their relationship with Santander Private Banking on or after 31 March 2014

Banking and Savings Accounts Interest Rates For clients who commenced their relationship with Santander Private Banking on or after 31 March 2014 Page 1 of 6 Banking and Savings Accounts Interest Rates For clients who commenced their relationship with Santander Private Banking on or after 31 March 2014 Page 2 of 6 BANKING ACCOUNTS The is a flexible

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

Fees. A guide to personal account fees

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

More information

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

Personal current account charges explained

Personal current account charges explained Personal current account s explained Easy, reliable and flexible doh000546 - PCA s explained.indd 1 18/09/2012 09:43 Personal current account s explained Our personal current account is a safe and accessible

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

UNDER 19s ACCOUNT FEARLESS KNOWING YOUR MONEY IS OFF TO A GREAT START

UNDER 19s ACCOUNT FEARLESS KNOWING YOUR MONEY IS OFF TO A GREAT START UNDER 19s ACCOUNT FEARLESS KNOWING YOUR MONEY IS OFF TO A GREAT START Growing up means taking charge. As you get older, you ll be doing this more and more especially when it comes to money. Our Under 19s

More information

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

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

More information

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

Get your money off to a good start.

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

More information

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

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

More information

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

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

More information

General Terms and Conditions Current Accounts Terms and Conditions Savings Accounts Terms and Conditions

General Terms and Conditions Current Accounts Terms and Conditions Savings Accounts Terms and Conditions General Terms and Conditions Current Accounts Terms and Conditions Savings Accounts Terms and Conditions Effective from 10 November 2014 2 Contents Section/Clause Page Contact Information 3 Section 1 Payment

More information

Banking terms and conditions

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

More information

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

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

More information

Fee free. Current accounts Application form for a sterling bank account

Fee free. Current accounts Application form for a sterling bank account Fee free Current accounts Application form for a sterling bank account Welcome We welcome you to Isle of Man Bank and thank you for choosing us. To help us decide whether we can provide you with the services

More information

Client Accounts. Additional Conditions. For all HSBC Clients Deposit and Currency Client Accounts as of 6 April 2016.

Client Accounts. Additional Conditions. For all HSBC Clients Deposit and Currency Client Accounts as of 6 April 2016. Client Accounts Additional Conditions For all HSBC Clients Deposit and Currency Client Accounts as of 6 April 2016. Table of Contents Page How to reach us 3 If you have a disability 3 1. What you should

More information

Welcome. Getting to know your new Virgin Essential Current Account

Welcome. Getting to know your new Virgin Essential Current Account Welcome Getting to know your new Virgin Essential Current Account Welcome to Virgin Money Thank you for opening a Virgin Essential Current Account. At Virgin Money, we believe everyone should have access

More information

m&s monthly SavEr Price List NEW FASHIONED BANKING

m&s monthly SavEr Price List NEW FASHIONED BANKING m&s PrEmium current account, m&s PrEmium current account with insurance and m&s monthly SavEr Price List EffEctivE from 17 february 2015 NEW FASHIONED BANKING the prices and information applicable to your

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

Gold Bank Account Helping you to simplify International Banking

Gold Bank Account Helping you to simplify International Banking GOLD BANK ACCOUNT Gold Bank Account Helping you to simplify International Banking At Santander Private Banking, we are committed to providing a consistently high level of service. We focus on building

More information

Business Banking. Business account charges

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

More information

International Students: Banking information

International Students: Banking information International Students: Banking information For students whose course extends longer than six months You should aim to open a bank account as soon as possible after arrival in the UK as you will find it

More information

365 Phone, Online and Mobile Banking Terms and Conditions - Republic of Ireland Effective from 25 th November 2013

365 Phone, Online and Mobile Banking Terms and Conditions - Republic of Ireland Effective from 25 th November 2013 365 Phone, Online and Mobile Banking Terms and Conditions - Republic of Ireland Effective from 25 th November 2013 1.0 Definitions of Terms used in this Document 2.0 Accounts 3.0 Mandates 4.0 SEPA Transfers

More information

support booklet Step by Step Your guide to more ways to bank with us

support booklet Step by Step Your guide to more ways to bank with us support booklet Step by Step Your guide to more ways to bank with us IntroductioN There are now more and more ways for you to bank and we want to help you find the way that is most convenient for you.

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

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

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

Children s account opening guide. Taking the best possible care of your money

Children s account opening guide. Taking the best possible care of your money Children s account opening guide Taking the best possible care of your money Hello We re the Coventry, the UK s third largest building society. We re proud that we ve won lots of awards for our excellent

More information

smile current accounts account charges

smile current accounts account charges smile current accounts account charges 1 Your guide to the charges on smile current accounts The services, charges and rates detailed are effective from 5 July 2015. We can vary or amend these charges

More information

Current accounts. Helping you get more from everyday banking

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

More information

Business Banking. Terms and Conditions. For HSBC business current and savings accounts and services as of 30 June 2016.

Business Banking. Terms and Conditions. For HSBC business current and savings accounts and services as of 30 June 2016. Business Banking Terms and Conditions For HSBC business current and savings accounts and services as of 30 June 2016. Table of contents How to reach us Page 4 If you have a disability 4 1. What you should

More information