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

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

2 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 how you want to bank 3 Mobile Banking 4 Moving your money and making payments 5 Using an overdraft 7 Travelling with your debit card 8 Travel money 9 Save the Change 11 Switching your account to Bank of Scotland 12

3 Get off to the best possible start. Welcome. And thank you for opening your Bank of Scotland Classic Account. Before we take you through how to use your account, there are two quick things you might want to do: 1. Set up Internet, Telephone and Mobile Banking. Follow the simple steps from page 5 onwards. 2. Talk to us about switching your salary and regular payments to your new account, if you haven t already. You ll find out more on page 12. It s as simple as that. What you ll receive next. You should already have your sort code and account number, and we ll send you everything else you need in the coming days. If you are new to Bank of Scotland, your new debit card and PIN will also arrive within seven working days. For your security, we send them separately. If you ve ordered a new debit card or cheque book, they ll arrive within 10 days. If there s anything you re missing after 10 days of opening your Classic Account, please let us know. 1

4 Your Bank of Scotland Visa debit card. Quick, convenient and easy to use, your Bank of Scotland Visa debit card can be used in shops, online, over the phone and to withdraw up to 500 a day from ATMs worldwide. There s no charge to withdraw cash from any of our wide network of UK Cashpoint machines (a charge may apply at other ATMs). You can also withdraw up to 300 from Post Office branches. You can even use your Visa debit card abroad wherever you see the Visa sign. Please see your Banking Charges Guide or visit bankofscotland.co.uk for more details of the fees or charges that apply to overseas or foreign currency transactions. Call or for general queries if you need a new PIN if you re going abroad. Help us to help you. If we spot any fraudulent transactions on your account, we ll call to let you know. So make sure we have your up-to-date contact details by calling us on or speaking to a member of staff in any of our branches. 2

5 Choose how you want to bank. Online or on the phone, it s easy to manage your money around the clock. Telephone Banking. Get your balance, check recent transactions, book an appointment at your branch, order cheque books, make payments, open new accounts and so much more. With our Telephone Banking service* we offer an automated service, ideal for simple transactions. You can also speak to an adviser any time you like. To get the most from our Telephone Banking service you ll need a Security Number, when you call ask an adviser to send you one in the post. For Telephone Banking Call You ll need your account details and sort code to hand and then ask an adviser to send your six-digit code in the post. Sign up to Internet Banking. View statements, check your balance, view Direct Debits and set up standing orders, make transfers and payments all with a click of your mouse. To register for Internet Banking Visit bankofscotland.co.uk/register At the Cashpoint. You can: Check your balance, change your PIN, or withdraw cash. Top up your pay-as-you-go mobile phone. Pay your bills. Simply set up a list of companies you want to pay in advance. Pay in cash and cheques at many of our machines. * Please note, although you can give us instructions 24 hours a day, seven days a week through our Internet Banking, Mobile Banking and Telephone Banking, some of these instructions cannot be processed until the next working day, for example, if the instruction is given after 10pm ot at weekends. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an adviser for more information. The Tesco mobile network is not available at our Cashpoint machines in ASDA and Waitrose stores. Please note, topping up your mobile will reduce your daily cash withdrawal limit. 3

6 Mobile Banking. Our Mobile Banking service helps you keep track of your UK personal Bank of Scotland current accounts, savings and credit card accounts. You can view your balance, transfer money between accounts, make payments and set up new ones. If you re already registered for Internet Banking, you can start using the app straight away with your existing username and password. You can download the app to your smartphone from major app stores. Or log in through your mobile browser at mobile.bankofscotland.co.uk If you haven t yet signed up for Internet Banking, you can register at bankofscotland.co.uk/register or via the Mobile Banking app. Alternatively, you can speak to a member of staff in branch and they ll give you your log in details straight away. Services may be affected by phone signal and functionality. We don t charge for Mobile Banking, but your mobile operator may charge for some services, so please check with them. Terms and conditions apply. The Mobile Banking app s Branch and ATM finder is available to all. Other Mobile Banking services are only available to our UK personal customers and registration is required. Terms and conditions apply. Sign up for our helpful Text Alerts. To help you manage your current account on the move you can easily set up some of the following Text Alerts. Limit Alerts. We can send you a text to let you know when you re near or over your account limit, so you can pay in enough money as soon as possible to cover all your payments. This can help you to avoid Unplanned Overdraft fees. The money needs to be cleared funds, so you can pay in cash or transfer money from another personal account you have with us using Internet, Mobile or Telephone Banking. High and Low Balance Alerts. With High and Low Balance Alerts you can keep track of how much money is in your account. The alert will be sent out when your account reaches a high or low amount previously specified by you. When there s extra money in your current account we ll send you a High Balance Alert so you can move money into your savings account. We can also send a Low Balance Alert so you can make sure you have enough money in your account to cover your outgoings. Overseas Transaction Alerts. For added security when your Visa debit card is used abroad, we ll text to tell you whether it was a purchase or withdrawal from a cash machine. This should make it easier for you to spot any fraudulent transactions on your account and give you time to tell us about them. Weekly Balance Alerts. Simply choose the working day and time you d like us to send you a weekly text with your balance and last six transactions and we ll set it up for you straight away. You can register for Text Alerts log in to your Internet Banking or call or visit us in branch. Text Alerts (other than Weekly Balance and Overseas Transactions Alerts) are sent before 10am UK time Monday Friday (excluding Bank Holidays). Terms and conditions apply. 4

7 Helping you move your money. It s easy to manage and move your money with our range of simple services. Making quick, secure deposits. As you d expect, you can pay in cash and cheques at any Bank of Scotland branch either over the counter or by using our depositpoint service. All deposits over the counter will be processed straight away. All deposits made in a depositpoint before the branch closing time will be processed the same working day. Any deposits using our depositpoint made at weekends will be processed the next working day. All cash will be immediately available when processed and cheques will follow normal clearance timelines. Please remember, weekends and Bank Holidays are not counted as working days. Sending money abroad? Let us help. Our International Payment Services help you send money abroad quickly, easily and securely. To find out more about these services, including any charges that apply, go to bankofscotland.co.uk /internationalpayments, visit any branch or call us on Our lines are open daily, 24 hours a day, seven days a week. Set up your Direct Debits. When it comes to convenience nothing beats a Direct Debit: a payment straight from your account to a company or service. It s particularly useful for paying regular bills like your utilities, where the amount you pay may change. If you ever need to cancel or change a Direct Debit, simply let the company and us know. If you think there has been an incorrect payment, tell us immediately and we ll arrange a full and immediate refund. Just make sure you tell the company or business involved that you ve done this. 5

8 And your standing orders. Another easy way to pay is with a standing order: a fixed, regular payment from your account. Again, we can help set these up for you and if you ever need to change or cancel a standing order, just let us know. To find out more about setting up direct debits and standing orders call us on , go to bankofscotland.co.uk or speak to a member of staff. We ll be happy to help. If you re registered for Internet Banking, you can view your direct debits and amend your standing orders online. Standing orders and future dated payments. We make payments from your account shortly after midnight at the start of the due date. If your payment date falls on a nonworking day, then we will try to collect your payment the next working day. If you don t have enough funds in your account at this point to make a payment, we will try to make a payment again after 3.30pm the same day. This gives you the chance to put extra funds into your account so that we can make the payment. The money needs to be available to use straight away, so you could transfer money from another personal account you have with us via Internet, Mobile or Telephone Banking or pay in cash over the counter in branch. If you do not have enough funds at the beginning of a day to make a payment: You have until 3.30pm to pay money into your account to make the payment that day. If a payment takes you into any type of overdraft, you have until midnight to pay money into your account to avoid overdraft fees and charges. If there are still not enough available funds, we will make a final try on the next working day before rejecting the payment. We will only charge a Returned Item Fee if all three tries are unsuccessful, and we will not charge more than one Returned Item Fee for that failed payment. Details of our fees and charges can be found in the Banking Charges guide. 6

9 When you need that bit extra. Now you re a Classic Account holder, you can apply to borrow money with an overdraft. Planned Overdrafts. We support our Classic Account holders with a 25 interest and fee-free Planned Overdraft, subject to application and approval. This gives you financial flexibility, without the worry of overdraft fees or interest. We may be able to extend your existing Planned Overdraft limit (subject to application and approval) although you ll pay a Monthly Overdraft Usage Fee and interest on any Planned Overdraft amount borrowed over 25. If you go overdrawn unexpectedly, we could agree to cover your payments with an Unplanned Overdraft, but there are charges for this. Please see our Banking Charges guide for further details. All overdrafts are subject to a review of your circumstances and are repayable in full on demand. If you go into an Unplanned Overdraft we provide a 10 buffer, which means there ll be no additional overdraft fees to pay if you remain within this buffer, however you will be charged debit interest. Representative Example. If you use a planned overdraft limit of 1,200 on our Classic Account the overdraft interest rate we will charge on the first 25 will be 0% EAR variable. The overdraft interest rate on the next 1,175 will be 19.94% EAR variable and a monthly overdraft usage fee of 6 will apply. EAR is the equivalent annual rate. This is the actual annual interest rate of an overdraft. It doesn t take into account fees and charges. To arrange a Planned Overdraft, call us on , log on to Internet Banking at bankofscotland.co.uk or visit any Bank of Scotland branch. Protect yourself from Unplanned Overdraft fees. For extra protection, you can choose to add our Control service to your Classic Account for 10 a month. Control automatically stops almost all payments like debit card payments in a shop or online, Direct Debit payments and standing orders that could tip you over your account s limit. For more information on Control ask in branch or request a copy of the Control brochure. Contact us. To find out more, visit bankofscotland.co.uk/control 7

10 Travelling with your Bank of Scotland Visa debit card. Pack your Bank of Scotland Visa debit card plus some travel money and you ll be all set for holiday spending wherever you go. It s convenient. Use your Visa debit card to pay in hotels, bars, restaurants and shops when you re abroad. In fact, Visa is accepted in over 27 million outlets and at 1 million ATMs worldwide and you ll always be sure of a competitive exchange rate. Fees apply. Please refer to the Banking Charges Guide for more information. And secure. Your Visa debit card is a simple alternative to carrying large amounts of cash. It s just as safe to use abroad as it is at home as we actively monitor your account when you re out of the country. If we see anything suspicious, we may call your mobile to let you know, so make sure we have a number to reach you on. We can even text you when your card is used abroad. Just register for free Overseas Transaction Alerts by calling or through Internet Banking. While we don t charge for text alerts, your mobile operator may charge if you re abroad, please check with them. Get in touch before you travel abroad. Let us know where you re heading before you leave so we ll know to expect overseas transactions on your account. Pop into your local branch with your debit card or call us on

11 Travel money. Order your commission-free travel money. To go alongside your debit card you might like to take foreign currency or Travellers Cheques away with you when you go abroad. All your foreign currency and American Express Travellers Cheques are commission-free from us. How to order. Online banking if you ve registered, sign in to bankofscotland.co.uk It s the simple way to order and pay direct from your account. Phone (lines open Monday to Friday 8am 10pm, Saturday and Sunday 10am 8pm). Call in to your local branch. Order your foreign currency or Travellers Cheques by 3pm Monday to Friday (excluding Bank Holidays) and we ll deliver them to any of our many branches for you to collect after 1pm the next working day, free of charge. For further details on all our travel money services including our home delivery timescales and fees please visit bankofscotland.co.uk/travel Our branches will also buy back any foreign notes or American Express Travellers Cheques you have left over all commission-free, of course. The price at which we buy back your currency may differ from the price at which we sold it to you. There are minimum denominations we can accept in certain currencies. Details of these are available on request. We may not be able to re-purchase currency if a country becomes embargoed or we no longer deal with that currency. 9

12 Using and processing cheques. Not all shops accept cheques any more, but you might still find them useful in some situations. Instant cheque value. Unlike many banks we offer instant cheque value on some of our current accounts. This means if your account pays credit interest, we ll start paying you interest straight away on the first 1,000 of cheques you pay in over the counter before the cut-off time on a working day. If you pay in more than 1,000 in a day, we ll start paying any interest due on the amount over 1,000 or use it to reduce the interest you owe us on the second working day after you pay it in. Unpaid cheques. If you write a cheque without having enough money in your account to cover it, it might get returned (or bounced ). Cheques can usually be returned up to six days after we receive them and charges may apply. Please refer to the Banking Charges Guide for more information. Processing cheques. When you pay in a cheque we use the same clearing process as all the main UK banks, called the process. This is how it works if you pay in a cheque over a branch counter on a Monday morning: By two working days: When you pay in cheques of over 1,000 a day over the counter on a weekday, we will start paying you any interest due on the money or use it to reduce the interest you owe on the second working day after you ve paid it in. By four working days: Your money will be available in your account from Friday so you can withdraw it as cash or use it for making payments, but it could still be returned unpaid. By six working days: Come the end of the following Tuesday, the money cannot be debited from your account without your agreement, even if the cheque is later returned unpaid. If you need to stop a cheque, call us straight away on or come in to your nearest branch. 10

13 Save each time you spend. Use our free Save the Change service and you ll save so easily you ll forget you re doing it. How it works. Sign up for Save the Change and every time you buy something with your Bank of Scotland Visa debit card we ll round up the amount to the nearest pound and transfer the difference from your current account to an eligible Bank of Scotland savings account. We ll only make Save the Change transfers when your current account is in credit. You can use your own savings account, or choose a friend or family member s. It s flexible, too. You can call us or use Internet Banking to turn Save the Change on or off whenever you like, or to change your chosen savings account. Save the Change is available for the following saving accounts: Access Saver, Exclusive Saver, Young Saver and Internet Saver. We will apply Save the Change to all Visa debit card purchases both in the UK and abroad. What to do next. If you use Internet Banking, you can register for Save the Change online at bankofscotland.co.uk/savethechange Alternatively, you can call or ask a member of staff at any branch. If you need to, you can open a new Bank of Scotland savings account to use Save the Change. 11

14 We make switching easy. We can get your new Bank of Scotland current account set up and ready to use in just seven working days. All you need to do is: let us know the date you want to be switched tell us the account details, including the 16 digit number from your debit card for the account you want to switch from. We ll take care of the rest. We ll sort everything out for you. Your standing orders and Direct Debits will be automatically transferred to your new account. We will work with your old bank to close your account so you don t have to. We ll also transfer any remaining balance in your old account to your new one or, if you have a debit balance in your old account, we can arrange to transfer money from your new account to pay off the amount. You can use your old account as normal up until the switch date. And from the switch date we will start making payments from your Bank of Scotland account. Three easy ways to switch. For more information about our switching service: Visit us in branch. Call us on Lines are open 8am 8pm Monday to Friday, or 8am 4pm on Saturdays. Visit bankofscotland.co.uk 12

15 We re here when you need us. Got a question about your Classic Account? Then pick up the phone and speak to us. We re here in the UK, 24 hours a day, seven days a week. For general information and help using your account. Call (or from abroad). Transactions on your account that you don t recognise? Tell us as soon as possible. Call (or from abroad). Important Information. Current Account. The opening of an account is subject to our assessment of your personal circumstances. You must be over 18 to apply. There are no monthly fees for a Classic Account. For details of our current interest rates, please visit bankofscotland.co.uk and for charges, please see our Banking Charges Guide in branch or visit bankofscotland.co.uk Lost or stolen cards Let us know. Call (or from abroad). 13

16 For more information visit us at: bankofscotland.co.uk/classic If you d like this in another format such as large print, Braille or audio please ask in branch. If you have a hearing or speech impairment you can contact us using Text Relay or Textphone on (lines are open 9am to 5.30pm, 7 days a week). If you are Deaf you can use BSL and the SignVideo service available at bankofscotland.co.uk/accessibility/signvideo Our promise is to do our best to resolve any problems you have. If you wish to complain visit your local branch or call or (Textphone or , if you have a hearing impairment). For more information visit bankofscotland.co.uk/contactus/complain Important information. Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve the quality of our service. For more information visit us at: bankofscotland.co.uk Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an adviser for more information. Cashpoint and Save the Change are registered trademarks of Lloyds Bank plc and are used under licence by Bank of Scotland plc. depositpoint is a trademark of Lloyds Bank plc and is used under licence by Bank of Scotland plc. Bank of Scotland plc. Registered in Scotland No. SC Registered office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number We subscribe to the Lending Code; details can be obtained from We are covered by The Financial Services Compensation Scheme and the Financial Ombudsman Service. All information correct as at November / (11/15)

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