2 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 your finances and information safe. Not all of the services mentioned apply to all types of accounts. Accessing your account page 3 Making payments page 6 Payments by cheque page 10 Protecting your information page 11 Additional information page 14 Important information page 15 To find out more: Click Call * From abroad: Textphone Visit your local branch * See Important information at the back of this leaflet Customer service centre: 8am to 10pm (open 24-hours for Advance customers) Automated service: open 24-hours Telephone calls will be put through to our Automated Service. Textphone calls will be put through to our Customer Service Centre Account contact numbers HSBC Premier From the UK: From abroad: HSBC Advance From the UK: From abroad: Channel Islands/Isle of Man accounts From the UK: (8am to 10pm) From abroad: (8am to 10pm) Textphone for all accounts From the UK: From abroad:
3 3 Easy access to your account Online See your accounts in one place, view your statements, make payments, transfer funds, view and cancel Direct Debits and Standing Orders. To register for Online Banking, visit hsbc.co.uk and follow the instructions. By phone Check your account, transfer money or pay your HSBC Credit Card by using our automated 24-hour telephone service, provided you have a touch-tone telephone. You can also speak with a member of our team using the numbers listed on page 2. On your mobile You can use the HSBC Mobile Banking App to: } make Bill Payments to people in the UK } transfer money between your HSBC accounts, and } view selected account balances In branch Visit one of our branches, we re always happy to help. Call us to arrange an appointment if you d like to discuss your banking needs face-to-face. For speed and convenience, most branches also offer: } Paying-in machines These machines allow you to conveniently deposit cheques, bank notes and, in some branches, coins. You ll receive a handy acknowledgement receipt once you re done. } Express Bank machines (where available in branch) Use these machines to view your accounts, pay bills when the recipient is already set up on your account, transfer money, check balances, print statements, change Standing Orders and cancel Direct Debits. They re perfect when you re in a hurry. } You can also pay cash into your account(s) over the counter at one of our branches (where available), or if you have a card issued by us, at one of our self-service machines that allows payments to be made into your account(s). You must complete a payingin slip to do this. You must not send cash to us by post. If you do not have a card issued by us you may still be able to pay cash into your account(s) at one of our self-service machines please ask a member of staff for assistance with this. Cash machines Use an HSBC cash machine in the UK to withdraw cash, check your account balance, top up your mobile phone, pay your credit card bill, get a ministatement or change your PIN. You can also withdraw cash, up to your daily card limit, from cash machines worldwide wherever Visa is accepted.
4 4 Paying for goods and services Our plastic debit cards can be used wherever Visa is accepted with some of our cards you can also make contactless payments. You can use your debit card in person or remotely by phone, fax, mail order or online. Recurring Transactions A recurring transaction, sometimes called a continuous payment authority, is a series of payments collected with your agreement from your debit card by a retailer or supplier (for example, insurance cover). This is an agreement between you and the retailer. The Direct Debit Guarantee does not cover these transactions. If you wish to cancel a recurring transaction you can do this with the retailer or us. If you contact the retailer you will also be able to deal with the agreement you have with them and you can make other arrangements for payment or cancellation of the goods or services. If you cancel with the retailer, we recommend you keep evidence of the cancellation. Once you have cancelled with the retailer or us, if the retailer does try to collect any future payments under the recurring transaction agreement, we will treat these as unauthorised. If we miss any of the cancelled transactions, please contact us. Future Dated Bill Payments, Standing Orders and Direct Debits Future dated Bill Payments, Standing Orders and Direct Debits will be processed in the early hours of the morning of the day that they are due to be paid. You should ensure that sufficient funds or a covering overdraft are available to make these payments by 00.01am on the day they are due. If the account has an insufficient available balance at this time, then you have until 3.30pm to pay-in cleared funds. We will then make this payment if your account has a sufficient available balance at 3.30pm. For future dated Bill Payments due for payment on a non-working day, if there isn t a sufficient available balance in your account in the early hours of the morning, you have until 3.30pm on the next working day to ensure there is a sufficient available balance in your account to cover the payment. Payments you make by cheque You must ensure you have sufficient funds in your account before making a payment by cheque. If, at the start of the day on which the cheque is presented for payment, there are insufficient cleared funds in your account, we ll still make the payment as long as you pay sufficient cleared funds into your account before 3:30pm. You need to tell us you ve done this. If you don t tell us, the cheque may be returned unpaid. You ll need to contact us to check whether the person you made the cheque payable to may re-present it to try to obtain payment. There is no fee for cheques being returned unpaid.
5 5 Cashback Many retailers offer cashback of up to 100 (if the funds are available in your account or you have a covering overdraft) when paying for goods with your plastic Visa debit card. Services available at Post Office branches You can withdraw cash, pay in cash and check your current account balance at Post Office branches in the UK using your plastic card (excluding savings cards and credit cards). You can also pay in cheques. You must have a card PIN to be able to use your card at Post Office branches. Cash withdrawals at Post Office branches will be deducted from your daily card withdrawal limit. Cheques deposited at Post Office branches must have a preprinted HSBC paying in slip enclosed and will take longer to reach your account than those paid in at HSBC branches. Cheque Deposit envelopes are available from Post Office branches. In certain circumstances, at our discretion, we may offer a cheque encashment service at Post Office branches to customers who are unable to use a Chip and PIN card. Please contact us for further information regarding this service. We may withdraw this service at any time based on account conduct.
6 6 Making payments As well as withdrawing cash from your account, you can select from a wide range of payment methods to suit your personal needs. Payment type How to make a payment Cut-off time Can a payment be sent on a future date and can a future payment be cancelled? Paying in cash Pay cash into an account at any of our branches. Over the counter or at one of our paying-in machines. Cut-off times are displayed on paying-in machines. N/A Bill Payments Payments made in Sterling from your account, to the account of a person or organisation in the UK, Channel Islands and Isle of Man. Most Bill Payments are made through the faster payments service. Online Banking, telephone banking, HSBC Mobile Banking App (for existing beneficiaries only) and Express Bank machines pm for Bill Payments made through the faster payments service. 3.30pm for other Bill Payments. Yes. You can also cancel the payment through Online Banking, telephone banking or Express Bank machines up to 11.45pm the day before we send the payment. Standing Orders A regular payment made to a person or business in the UK. Online Banking, telephone banking or in branch. For Online Banking and telephone banking, two days before first payment. In branch or by post, end of working day before the first payment. Yes. You can also cancel a future payment through Online Banking, telephone banking, Express Bank machines or in branch. You must cancel in branch or using an Express Bank machine by the end of the working day before the payment is to be made or via Online Banking or telephone banking before 11pm the day before the payment is to be made. Internal transfers Sterling transfers made between UK accounts held with us in your name, including joint accounts. Online Banking, telephone banking, HSBC Mobile Banking App and Express Bank machines. ATMs can only be used to transfer money between a current account, an HSBC Credit Card, or a nominated savings account (not ISA) pm (11pm for Automatic Transfers). Yes. You can also cancel the payment through Online Banking, telephone banking or Express Bank machines up to 11.45pm the day before we send the payment.
7 7 Payment type How to make a payment Cut-off time Can a payment be sent on a future date and can a future payment be cancelled? Electronic Fund Transfers Payments made in Sterling, from a Sterling account that aren t Bill Payments or Standing Orders. They are made through the Clearing House Automated Payment System (CHAPS). Telephone banking, in branch or by post. 2.30pm in our branches or by post. 3.45pm for telephone banking. 5pm for payments to HSBC accounts. Yes, if requested by branch or by post. You can cancel the payment by telephone banking or in branch before 3.30pm the working day before the payment is due to be made. Currency Account Transfers Payments made between UK accounts held with us in your name, including joint accounts, that involve a currency exchange or are made in a currency other than Sterling. Telephone banking, or in branch. For customers who hold a current account with us, you may also transfer funds to your HSBC Currency Account using Online Banking. Currency cut-off times apply. No you cannot set up a future dated payment. Global Transfers International account transfers between your HSBC accounts exclusively available to HSBC Premier and HSBC Advance customers. Through Global View in Online Banking. N/A Yes. You can also cancel a future payment through Global View in Online Banking up to 11.59pm the day before payment is due to be made, or by calling telephone banking before 6pm (5pm at weekends) the day before the payment is due to be made. SEPA payments Make payments in Euros, up to the equivalent of 2,000, to countries within the European Economic Area (EEA), Switzerland and Monaco (excluding the UK). SEPA payments can t be made from accounts held in the Channel Islands and Isle of Man. Online Banking. Currency cut-off times apply. Yes. You can cancel a future payment through Online Banking up to 11.59pm the working day before the payment is due to be made.
8 8 Payment type Worldpay International payments to selected countries where a SEPA payment is not appropriate. Payment is sent in the currency of the destination country (up to the equivalent of 2,000). Priority Payments International payments where SEPA payments and Worldpay are not appropriate. UK payments involving a currency exchange when Currency Account Transfer is not appropriate. How to make a payment Online Banking, telephone banking, in branch or by post. Online Banking, telephone banking, in branch or by post. Cut-off time 2.30pm on a working day Currency cut-off times apply. 2.30pm on a working day Currency cut-off times apply. Can a payment be sent on a future date and can a future payment be cancelled? Yes through Online Banking only. You can cancel the future payment through Online Banking up to 11.59pm the working day before the payment is due to be made. Yes through Online Banking only. You can cancel the future payment through Online Banking up to 11.59pm the working day before the payment is due to be made. Sterling Direct Debit A regular Sterling payment made from a Sterling account to an organisation or person in the UK, which may vary by amount or date. Each payment is requested from us, by the recipient. Complete a Direct Debit mandate with the recipient in writing, by phone or online. We must receive the instruction from the recipient by 10.30pm at least two working days before the payment date. Yes. For details on how to cancel these types of payment see our Personal Banking Terms and Conditions and Charges. SEPA Direct Debit As for Sterling Direct Debits, except that payments are made in Euros from a Euro account to an organisation or person in a SEPA country (excluding the UK). Not available from accounts held in the Channel Islands and the Isle of Man. SEPA Direct Debit mandates must be completed in writing. N/A N/A
9 9 We may set limits on payments, which we will tell you about when you make a payment. You can find our current exchange rates for payments set up in branch or via the telephone or post by calling us or asking in branch. You can find our current rates for payments set up online by checking the currency calculator on the first page of the international payments journey online. Different charges may apply depending on the way you set up the payment, please see your price list and terms and conditions for details. It is important to consider both the exchange rate and charges when deciding how to make a payment. For more information about payments, including cut-off and processing times, see the Important information section at the end of this booklet.
10 10 Payments by cheque While payments by cheque are less frequent these days, they can still be useful. Here are some tips for accounts which offer cheque books. Writing cheques Cheques that you write pass through a clearing process. Normally there will be two working days before the money is deducted from your account after the recipient pays it into their account. Cheque books When you only have a few cheques remaining, we will automatically send a new cheque book to the address we have for you. If you require a new cheque book sooner, call us for a replacement. Cheque books are not available on some of our accounts. Stopping a cheque You can stop cheques you have written provided we receive the request to stop it before 1.30pm on the day the cheque is presented for payment. To stop a cheque contact us with the cheque number, the date of the cheque, who the cheque was payable to and how much it was for. There is a charge for this service, please see your price list or Personal Banking Terms and Conditions and Charges for details. Receiving cheques When you pay a Sterling cheque into your account in the UK, we need to obtain funds from the bank who issued the cheque this is known as clearing a cheque. The central clearing cycle normally takes three working days after the day the cheque has been paid in before you can withdraw the money. Any cheques paid in after 3.30pm will be treated as received the following business day. The diagram below shows when to expect cleared funds in your account. Cheques may take longer to clear when paying in via another bank or an agent such as the Post Office. Central clearing cycle example This table shows how the central clearing cycle works: Mon Tue Wed Thu Fri Sat Sun Mon Tue Wed C I A C I A C I B B A C I A C I A C = The day the cheque is paid in A = The day the money is normally available to withdraw (counters and cash machines) B = The day the money is normally available to withdraw through a cash machine I = The day from when overdraft interest and/ or credit interest, if applicable, is calculated from, including the cheque within your cleared account balance.
11 11 Protecting your information It s important to keep your finances safe. Here are some of the steps you can take to help keep your money and information secure: Keep your details up-to-date Let us know if you change your name or contact details as soon as possible. Remember to make sure that confidential information detailed in any of our communications with you is not seen by anyone else. Regularly check your statements You should check your statements as soon as you get them, and call us immediately if anything looks suspicious. Tips for writing cheques We recommend that you: } write clearly and use ink that can t be erased } reduce gaps between words or figures } add further information, eg, a reference name or an account number when making a cheque payable to a large organisation } draw horizontal lines through blank space on the pay line } do not sign a cheque before you use it } if you post a cheque to someone, clearly write the name of the person you are paying the cheque to and put extra information about them on the front of the cheque eg, Inland Revenue, Account J Jones. Telephone banking When you register for telephone banking, you will be asked to create a personal security number. You will also need to re-do this if you forget your security number. The number must be between six and ten digits long. If you call us, we will never ask for more than two digits of your security number to identify you as the account holder. When you contact us by telephone, you should not use cordless or mobile telephones operating on an analogue network. We recommend that you use either a landline or a digital mobile telephone. We are not responsible for the security of your account if anyone else overhears you speaking to us on the telephone. If we call you, we will never ask for your security number or other security details. We will only ask questions based on information known to us about you, and the transactions on your account. We may not be able to assist you if we are unable to identify you as our customer using our security procedures.
12 12 Textphone users Please remember to clear your textphone s memory after every conversation with us. Remember to tear out and destroy any printed record of your personal details from any printer attached to your textphone. Keep your textphone in good working order as a general security measure. Online Banking Everyone who signs up for Online Banking will receive a Secure Key. This device will generate a unique six-digit code for you to use to log on. Important Security Information You must take all reasonable precautions to keep safe and prevent fraudulent use of any cards, security devices (such as the HSBC Secure Key) and security details (including PINs, security numbers, passwords or other details including those which allow you to use Online Banking and telephone banking). These precautions include but are not limited to all of the following, as applicable: General } never writing down or otherwise recording your PINs and other security details in a way that can be understood by someone else; } not choosing security details that may be easy to guess; } taking care to ensure that no one hears or sees your security details when you use them; } keeping your security details unique to your accounts with us; } not allowing anyone else to have or use your card, security devices, PINs or any of your security details (including for telephone banking) and not disclosing them to anyone, including the police, an account aggregation service and us, except your card number and other card details when using your card in connection with making payments, and your security details when registering for or resetting your telephone banking security details (but even then do not disclose in full); } keeping card receipts and other information about your account containing personal details (such as statements) safe and disposing of them safely. People who commit fraud use many methods such as searching in dust bins to obtain this type of information. You should take simple precautions such as shredding paper containing such information; } changing your security details immediately and telling us as soon as possible, on the number below, if you know, or even suspect, that someone else knows any of those details, or if we ask you to; } keeping your card, security devices, PINs and other security details safe; Cards and Card PINs } safely destroying any Card PIN advice we send you immediately after receipt, eg, by shredding it; } signing each card as soon as you receive it, if it bears a signature strip; } keeping your debit card separately from your cheques;
13 13 } not disclosing the card number, Card PIN or card security codes except when using the cards to make payments; } not disclosing your Card PIN for mail order payments or when paying for goods and services over the telephone or through the internet; } using fraud prevention systems (such as Verified by Visa) when using debit cards to make payments through the internet; } not tampering with the card; } complying with all reasonable instructions we issue regarding keeping your card and Card PIN safe; Contacting us about security concerns If any card, PIN, security device or security details are lost or stolen, or you suspect that someone has used or tried to use them, you must tell us without delay by calling us on the applicable number set out in the table below. All lines are open 24-hours unless otherwise stated. If you need to call about your telephone banking or Online Banking security details and lines are closed, please call without delay the applicable number for Cards and Card PIN issues and we will block access to your account via Telephone Banking Service (TBS) (to re-set your relevant security details you will need to call the usual number during opening hours). Telephone calls will be put through to our Automated Service. Textphone calls will be put through to our Customer Service Centre. To help us continually improve our services and in the interests of security we may monitor and/or record your telephone calls with us. If asked, you must confirm in writing the loss or theft of your cards or security details relating to your card or telephone banking. If you no longer require your card and/or any unused cheques then you must cut them into at least six pieces and return them to us. We will ask you to co-operate with us and the police in relation to any investigation into the actual or suspected misuse of your card, passwords, PIN(s), security details and/or accounts. You must report any unauthorised transactions to the police within seven days of our request. If you find your card after having called us, you must not use it again. You must cut it into at least six pieces and return it to us immediately. From the UK, Channel Islands and Isle of Man From abroad Cards and Card PINs Telephone banking Issues for: UK accounts (8am to 10pm) Channel Islands/ Isle of Man accounts (8am to 10pm) (8am to 10pm) (8am to 10pm) HSBC Premier customers HSBC Advance customers Textphone for all issues
14 14 Additional information Services for disabled customers Customers with disabilities may find the following services particularly convenient: } textphone to textphone service available to customers please call to access this service } statements in Braille, audio and large print } on request, items of literature in your preferred format } cheque, pay-in slip and plastic card templates } hearing loops in branches to assist hearing aid users } sign language interpreter, speech to text translation or lipspeaker services to assist with detailed discussion } calls via the Text Relay service } chip and signature cards if you have trouble using a chip and PIN card, a chip and signature card can be issued in its place } a larger Secure Key is available for accessing Online Banking, with bigger keys and display, as well as audio instructions and information. Protecting yourself against Fraud and financial crime HSBC takes fraud and other financial crime very seriously. For useful tips to help you protect yourself, refer to the following link: hsbc.co.uk/fraud-financial-crime-guide Dormant accounts If you ask us, we will tell you how you can access an account that we have suspended because you haven t used it for a while, either directly or via the British Bankers Association, the Building Societies Association or National Savings and Investments dormant account scheme. If you have money in a dormant account, it will remain your property (or if you die it will form part of your estate). Financial difficulties If you do find yourself in a position of financial difficulty or you are worried about your finances, please contact us. The sooner you talk to us, the sooner we might be able to help you. What are your thoughts? If you have a complaint please let your local branch manager or the manager of the relevant department know about your concerns. We will always try to resolve any problems and put matters right. However, if you would like further information about our process for resolving complaints, please ask us for our Listening to Your Comments leaflet. If your complaint is not settled to your satisfaction you may be able to refer it to the Financial Ombudsman Service at Exchange Tower, London E14 9SR. For accounts held in the Channel Islands or the Isle of Man you may be entitled to refer your complaint to the Channel Islands Financial Ombudsman at Channel Islands Financial Ombudsman (CIFO), PO Box 114, Jersey, Channel Islands JE4 9QG or for the Isle of Man, the Financial Services Ombudsman Scheme at The Financial Services Ombudsman Scheme for the Isle of Man (FSOS), Government Buildings, Lord Street, Douglas, Isle of Man IM1 1LE.
15 15 Important information HSBC Bank plc is incorporated in England and Wales and is established at 8 Canada Square, London E14 5HQ which is its registered office. HSBC Bank plc is a company incorporated under the laws of England and Wales with company registration number HSBC Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. You can check details of HSBC address and statutory status by calling the FCA on or via their website at fca.org.uk. Our firms reference number is HSBC Bank plc s registered VAT number is GB In the Channel Islands, HSBC Bank plc is regulated by the Jersey Financial Services Commission for Banking, General Insurance Mediation and Investment Business and licensed by the Guernsey Financial Services Commission for Banking, Insurance, Collective Investment Schemes and Investment Business. Licensed by the Isle of Man Financial Services Authority. Principal address: HSBC Bank plc, PO Box 20, HSBC House, Ridgeway Street, Douglas Isle of Man IM99 1AU. For accounts held in the Channel Islands and the Isle of Man the local law of the island where your accounts are held will apply. Your account is subject to the terms and conditions you were given during your application for your account and any other terms we subsequently provide to you, for example, in respect of our Online Banking service. See the price list or terms and conditions that apply to your account for details of charges (including overdraft fees). We may change the information in this brochure at any time. If we change the information in the table on pages 6-8, the protecting your information section on pages 11-13, or the Important information section on pages 15 and 16 we will give you at least two months advance personal notice. You can ask us for a copy of your terms and conditions, price list (where applicable) and this brochure, at any time, by contacting us, on the number on the back page of this brochure or calling into a branch. The current version of these documents will also be available on hsbc.co.uk. Telephone banking, Mobile Banking and Online Banking are subject to emergency or scheduled maintenance periods. We will try to inform you in advance but it may not always be possible to do so. Telephone lines are open 8am to 10pm every day and 24-hours a day for HSBC Advance and HSBC Premier customers. To help us continually improve our service and in the interests of security we may monitor and/or record your telephone calls with us. We act as a financial adviser in the Channel Islands and Isle of Man. We will advise and make a recommendation for you after we have assessed your needs. We offer advice on limited types of products which we offer from a limited number of companies. You may ask us for a list of the companies and products we offer advice on. Payments, cut-off and processing times Provided you have asked us to make a payment before the relevant cut-off time, (see the table on pages 6-8 for details), then the maximum processing times for payments to reach the recipient s bank are as follows: Internal transfers immediate. Bill Payments immediate for Bill Payments to other accounts with us.
16 16 Three working days for Bill Payments to HSBC Bank International branch accounts. The same day for all other Bill Payments. Electronic Fund Transfers and Global Transfers Same day. Currency Account Transfers next working day except for Moroccan Dirham accounts which may be up to two working days. Priority payments next working day (within the EEA). Up to four working days (outside the EEA) but this may take longer depending on the country the money is being sent to. SEPA payments next working day. Worldpay next working day (within the EEA and in EEA currency). Up to six working days(outside the EEA and/or non EEA currency) but this may take longer depending on the country the money is being sent to. Standing Orders Immediate for Standing Orders to other accounts with us (up to two hours to a credit card account with us). Three working days for Standing Orders to HSBC Bank International branch accounts. Same day for any other Standing Orders. For more information about payments, including cut-off and processing times, please ask us or see your account terms and conditions. HSBC International accounts are accounts held with HSBC Expat in Jersey. HSBC Expat is a trading name of HSBC Bank International Limited, and is regulated by the Jersey Financial Services Commission for Banking, General Insurance Mediation, Investment and Fund Services Business. The Financial Services Compensation Scheme HSBC Bank is covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to the current FSCS limit for deposits. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, each depositor would have a claim up to the FSCS deposit limit and so the maximum amount that could be claimed in total would be twice the current FSCS limit. The FSCS deposit limit relates to the combined amount in all the eligible depositor s accounts with the bank, including their share of any joint account, and not to each separate account. First Direct and HSBC are both trading names of HSBC Bank plc and customers who hold deposits under both trading names will only be eligible for one claim of up to the FSCS deposit limit in total. For further information about the scheme (including the current limits, amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website: org.uk or call the FSCS on or Please note only compensation related queries should be directed to the FSCS. For all other enquiries on your account please contact HSBC on or for HSBC Premier customers on
17 17 Deposits made with our branches in the Channel Islands and the Isle of Man are not protected by the rules made under the UK s Financial Services and Markets Act 2000 for the protection of retail clients, including the UK Financial Services Compensation Scheme and the Financial Ombudsman Service. In Jersey, HSBC Bank plc is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to 50,000. The maximum total amount of compensation is capped at 100,000,000 in any five-year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website or on request. In Guernsey, HSBC Bank plc is a participant in the Guernsey Banking Deposit Compensation Scheme. The scheme offers protection for qualifying deposits up to 50,000, subject to certain limitations. The maximum total amount of compensation is capped at 100,000,000 in any five-year period. Full details are available on the Scheme s website or on request. Eligible deposits made with our branches in the Isle of Man are protected by the Isle of Man Depositors Compensation Scheme Regulations 2010, up to a maximum of 50,000 per person. Full details are available on request or visit www. gov.im/fsc/dcsguidance.xml.
20 Customers with disabilities If you d like this in another format such as large print, Braille or audio, please contact us. A textphone service is also available for customers with hearing and/ or speech impairments. If you use your own textphone you can call us on ( from overseas). For more information: Call Textphone Visit hsbc.co.uk Come into branch Download our app Issued by HSBC Bank plc HSBC Bank plc, Customer Information, PO Box 6201, Coventry CV3 9HW MCP /16 HSBC Bank plc All Rights Reserved. SJ/42
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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
Business Money Market Account Additional Conditions For all HSBC Business Money Market account customers as of 30 June 2016. 2 Table of Contents Page How to reach us 3 If you have a disability 3 1. What
Client Money Manager Additional Conditions For all HSBC Client Money Manager Accounts as of 6 April 2016. Table of contents Page How to reach us 4 If you have a disability 4 1. What you should know 5 1.1
Text Banking Customer User Guide Your mobile phone can give you access to Text Banking. You can ask HSBC to text you mini-statements on the day of your choice, showing your balance and up to five transactions.
Business Reward Account Additional Conditions For all HSBC Business Reward Account customers as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability 3 1. What you should
Personal Banking Terms and Conditions and Charges Effective from 1 April 2016 2 Personal Banking Terms and Conditions and Charges Contents Page Charges and Overdrafts 3 Charges 3 Overdraft 5 Current account
Business Internet Banking Additional Conditions For all HSBC Business Internet Banking customers as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability 3 1. What you should
Business Text Message Banking Additional Conditions For all HSBC Business Text Message Banking customers as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability 3 1. What
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
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
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
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
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
Savings Helping you find the right balance 2 3 A global bank with local knowledge We are a member of the HSBC Group, one of the world s largest global banks, who look after the needs of over 50 million
Kent Card Cardholder Guide making the most of your card Contents Hello and welcome 3 First things first 4 Making the most of your Kent Card 5 Get another card for a nominated person 7 Topping up your Kent
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
HSBC Premier Price List HSBC Premier customers receive preferential rates on many accounts and services. If you have any questions, please call the HSBC Premier telephone banking service on 03457 70 70
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
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
Business Internet Banking Application Form Free online banking for your business Welcome to Business Internet Banking. Please read the guidance notes before you complete each section. To use the service
Basic Current Account Information and Specific Conditions Current Accounts Information Contents The Basic Current Account 03 Opening your Basic Current Account 03 What to expect once we have opened your
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
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.
Text Banking Service Terms and Conditions Effective from 1 December 2012 Contents Section Page 1. Introduction 2 2. Text Banking Messages 3 3. Security 3 4. Termination and Suspension 4 5. Responsibilities
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;
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
card account Your account Handled with care credit card Contents These tell you about the services that are available with your Post Office card account. Please read this booklet carefully as a Post Office
HSBC Currency Account Terms and Conditions and Charges Effective from 30 November 2015 2 Contents Page Charges...3 HSBC Currency Account product summary.......................................... 6 Important
Business High Interest Deposit Bond Additional Conditions For all HSBC Business High Interest Deposit Bond customers as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability
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
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
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
Business Banking Keeping your money safe Community Tariff Details of the availability of free banking and conditions applicable on your Community Account. The Community Account has been specially designed
BUSINESS CREDIT CARD User Guide Purchasing power to help business run smoothly This leaflet explains how to make the most of your new Business Credit Card whether you will be using the card yourself, or
Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions Terms and conditions of the Current Account, Current Account
We focus on the most important economy in the world. Yours. Welcome to your personal economy. 2 Welcome and thank you for choosing HSBC Premier. In this fast-moving global economy, new opportunities and
M&S CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER ACCOUNT M&S Banking Terms and Conditions EFFECTIVE FROM 6 APRIL 2016 NEW FASHIONED BANKING
Terms and conditions of The Co-operative Bank Instant Access Savings Account Please read and keep your Co-operative Bank Instant Access Savings Account terms and conditions (conditions) in a safe place.
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
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
Account Charges Leaflet Your guide to charges you can expect on your Current Account, Current Account Plus, Student Current Account, Privilege and Privilege Premier Current Account The services, charges
CASH ISA SAVINGS CONDITIONS. For use from 2nd September 2016. WELCOME TO HALIFAX This booklet explains how your Halifax savings account works, and includes its main conditions. This booklet contains: information
HiSAVE SuperSaver Savings Account - Series Issues - Terms and Conditions (Effective from Aug 12, 2015) Sections Page No Introductions and Definitions 1 1. Eligibility 2 2. Opening an account 2 3. Initial
Business card features and benefits With a CAF Bank MasterCard business card you can pay for goods and services from your CAF Cash Account in a safe and secure way, in person, over the telephone, online,
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
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
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
HSBC Premier Credit Card Agreement Terms HSBC Premier Credit Card Agreement Terms 1. Definitions These are the definitions used in this Agreement: Balance Transfer : a transfer to the Account of an amount
Online Savings Terms and Conditions Effective from 31 December 2014 Your agreement with us consists of these Online Savings Terms and Conditions ( Online Savings Terms ) and any Additional Conditions (the
MKT10240_WEB 07/2014 High Interest Tracker account Terms and conditions Please read and keep your High Interest Tracker terms and conditions (conditions) in a safe place. These conditions, together with
Important Information 2 General Terms and Conditions Current Accounts and Savings Accounts (including Cash ISAs) Please read and keep for future reference Effective from 1 March 2014 Current Accounts and
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
Your Guide to Personal Banking Important information about your current account PostOfficeMoney.co.uk Welcome to your new Post Office Money Current Account Here at the Post Office we aim to make it easy
Business Banking Price List The information in this leaflet is correct as at 17 February 2014 (unless our customer notice to you stated otherwise). Introduction This Business Banking Price List sets out
Fixed Term Deposit account Terms & Conditions Please read and keep your Fixed Term Deposit account terms and conditions (conditions) in a safe place. These conditions, together with the application form
Our agreement with you Virgin Credit Card Terms CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 You can ask us for a copy of this agreement at any time. 1. Who provides the credit card?
Personal & Private Current Account Fees & Interest Rates Here for you Here for you Contents Page 1. Introduction 4 2. Monthly account fees 5 3. Interest we pay you 6 4. Arranged overdraft interest 7 5.
Your Current Account Terms RBS Personal & Private Current Account Terms Personal & Private Current Account Fees & Interest Rates Helping you get the most from your Personal & Private RBS Current Account