1 Banking made easy Effective from 10 November 2014
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 accounts From the UK: From abroad: HSBC Advance accounts 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 that you have recently paid using Online Banking, } transfer money between your HSBC accounts, and }view selected account balances by using the HSBC Mobile Banking App. If you just want to view your account balances you can use our Fast Balance App. In branch Pop into 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 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, 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 paying-in 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 mini-statement 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 debit cards can be used wherever Visa is accepted with some of our newer 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.
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 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 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 specific day? 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 working 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 by the end of the working day before the payment is to be made or via online 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 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 specific day? 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). 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. Global Transfers International account transfers between your HSBC accounts exclusively available to HSBC Premier and HSBC Advance customers. 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. Telephone banking, in branch or by post. Telephone banking, or in branch Through Global View in Online Banking. 2.30pm 5pm for payments to HSBC accounts. Currency cut-off times apply. Please see your price list for details pm Yes, if requested by branch or by post. You can cancel the payment by telephone banking or in branch before 3pm the working day before the payment is due to be made. Yes. You can cancel the payment by branch or by post before 3pm (11.59pm through online banking) the working day before the payment is to be made. Yes. You can also cancel a future payment through Global Transfers in Online Banking or by calling telephone banking before 6pm (5pm at weekends) the day before the payment is due to be made. Online Banking. 3.30pm Yes. You can cancel the payment by branch or by post before 3pm (11.59pm through Online Banking) the working day before the payment is due to be made.
8 8 Payment type How to make a payment Cut-off time Can a payment be sent on a specific day? 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. 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. Online Banking, telephone banking, in branch or by post. Online Banking, telephone banking, in branch or by post. Complete a Direct Debit mandate with the recipient in writing, by phone or online. 2.30pm Currency cut-off times apply. Please see your price list for details. 2.30pm Currency cut-off times apply. Please see your price list for details We must receive the instruction from the recipient by 10.30pm at least two working days before the payment date. Yes. You can cancel the payment by branch or by post before 3pm (11.59pm through Online Banking) the working day before the payment is due to be made. Yes. You can cancel the payment by branch or by post before 3pm (11.59pm through Online Banking) the working day before the payment is due to be made. Yes. For details on how to cancel these types of payment see our General Terms and Conditions. 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. The HSBC exchange rate may be different depending upon whether you set up your payment: online; or in branch, via the telephone or via post. You can find example rates for payments set up in branch or via the telephone or post by calling us or asking in branch. You can find example 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 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 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 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 TBS 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. Dormant accounts If you ask us, we will tell you how you can access an account that has been inactive for two years or more, 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 Financial Services Commission in Jersey or Guernsey and the Financial Services Ombudsman Scheme in the Isle of Man.
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 Supervision Commission. 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 that applies 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 or the telephone banking and Textphone users sections on page 12, or the Important information section on page 15 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. In the Channel Islands and Isle of Man our Financial Planning Managers provide independent and impartial advice on our own and third party products. 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. Three working days for bill payments to HSBC Bank International branch accounts. The same day for all other bill payments.
16 16 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 We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors including most individuals and small businesses are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to 85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be 85,000 each (making a total of 170,000). The 85,000 limit relates to the combined amount in all the eligible depositor s accounts with the bank, including their share of any joint account, and not to each separate account. 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 85,000 in total. FSCS limit is correct as at 31 December For further information about the compensation provided by the FSCS (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website FSCS. 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 5 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 5 year period. Full details are available on the Scheme s website or on request. Deposits made with our branches in the Isle of Man are protected by the Isle of Man Depositors Compensation Scheme Regulations Full details available on request.
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: Click hsbc.co.uk Call Textphone Visit your local branch Issued by HSBC Bank plc HSBC Bank plc, Customer Information, PO Box 6201, Coventry CV3 9HW MCP /14 HSBC Bank plc All Rights Reserved. SJ/42
Banking made easy Effective from 1 April 2016 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
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
M&S CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER ACCOUNT Banking made easy EFFECTIVE FROM 6 APRIL 2016 NEW FASHIONED BANKING Welcome Accessing
Business Debit Card Cardholder Terms Additional Conditions For all HSBC Business Debit Card Cardholders as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability 3 1. What
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
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
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,
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
Business Debit Card Cardholder Terms HB00520_BusDebitCard_TC-12pp.indd 1 01/08/2012 15:07 2 Cardholder Terms These Business Debit Card Cardholder Terms (these Cardholder Terms ) apply to the use of the
Business Telephone Banking Additional Conditions For all HSBC Business Telephone 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
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
Variable Rate Cash ISA Tax-free savings 2 Tax free savings Our cash ISAs are free from UK income tax. Subscribe up to 15,240 tax free (Tax free means free of UK Income Tax and Capital Gains Tax) this tax
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
General Price List and Interest Rates The information in this leaflet is correct as at 10 November 2014 The prices and information in this leaflet apply to your personal account, unless your account is
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
M&S CURRENT ACCOUNT AND M&S MONTHLY SAVER Terms and conditions EFFECTIVE FROM 8 JANUARY 2015 1 NEW FASHIONED BANKING Contents Page Page Summary of our M&S Current Account Terms and Conditions 3 Contact
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
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
Student and Graduate Price List and Interest Rates The information in this leaflet is correct as at 1 July 2014 2 This leaflet applies to Student, Graduate and Gap Year Bank Accounts. The prices and information
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
Account Terms and Conditions Effective 10 November 2014 Contents Clause Page Clause Page Contact Information 3 Section 1 - General Terms - Payment Services 3 Part A 3 1. Different types of payment into
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.
Student and Graduate Price List and Interest Rates The information in this leaflet is correct as at 10 November 2014 2 This leaflet applies to Student, Graduate and Gap Year Bank Accounts. The prices and
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
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
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
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
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
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
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
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
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
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
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
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
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
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 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
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.
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;
HSBC Loyalty Cash ISA Terms and Conditions 2 With effect from 6 April 2015 Your agreement with us consists of these Individual Savings Account Terms and Conditions (ISA Terms) and any Additional Conditions
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
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.
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
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
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
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
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
Business Banking Deposit Accounts Additional Conditions For HSBC: Business Money Manager and Community Savings Accounts International Fixed Term Deposits as of 30 June 2016. Table of Contents How to reach
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
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
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
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
Your RBS Basic Account Visa Debit Card 1 Welcome to your RBS Basic Account Visa Debit Card You can start using your new card immediately. However, for security reasons some card users may need to activate
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
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
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
Visa Debit Card User Guide Visa Debit Card User Guide Introducing the card This user guide explains how our Visa debit card service works in conjunction with your account. You are welcome to contact our
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
Save Together Terms and Conditions Save Together Subject to eligibility. Save Together offer Terms and Conditions apply. Save Together offer is a benefit of the HSBC Advance Bank Account. This document
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
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
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
Your NatWest Visa Debit Card with contactless Your new debit card has arrived Your Visa Debit card is a handy way to pay whether you re popping down to the shops or travelling abroad. Use your Visa Debit
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 Banking Terms Business Customers Ahead for business Contents Page Use of your information and regulatory details 3 Account Terms 5 Section A General terms which apply to all Accounts 6 Section
Instant Access Savings Account Terms and Conditions Your agreement with us is made up of the following: 1. This document it explains how your Account operates. 2. The Welcome letter it outlines the account
Internet Saver Account Terms and Conditions Your agreement with us is made up of the following: 1. This document it explains how your Account operates. 2. The Welcome letter it outlines the account number
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
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
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
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
Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account) Available to HSBC InvestDirect and HSBC InvestDirect Plus customers Important information you need to know Effective
Cumberland Business Debit Card Terms & Conditions These Conditions apply to the use of business debit cards issued by Cumberland Building Society ( the Society ) by which you can: withdraw money, or obtain
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
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
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
Terms and conditions of The Co-operative Insurance Instant Access Savings Account The Co-operative Insurance Instant Access Savings Account is a special facility for Co-operative Insurance customers, which