For Cashback Plus Credit Cards - the Terms and General Conditions which apply to your Cashback Plus Credit Card account.
|
|
- Toby Noah Ray
- 8 years ago
- Views:
Transcription
1 Cashback Plus Terms 1. Introduction Cashback Plus is operated on behalf of us, National Westminster Bank Plc by Sports Loyalty Card Limited (trading as Reward), a private company incorporated in England and Wales (Company Number ) and having its registered office at Lion House, Red Lion Street, London WC1R 4GB ( Reward ). 2. Terms These Terms set out how you earn Rewards and use your Rewards balance and form part of the agreement between you and us. These Terms should also be read together with: For NatWest Visa debit cards on eligible personal current accounts - the General Terms which apply to your NatWest current account, either Personal and Private Banking Terms and Conditions or NatWest Personal & Private Current Account Terms. For Cashback Plus Credit Cards - the Terms and General Conditions which apply to your Cashback Plus Credit Card account. 3. Eligibility 3.1 Cashback Plus is available on Natwest current accounts held in mainland UK except for Basic Accounts, Cash Accounts or Step Accounts or current account mortgage products. 3.2 The Cashback Plus Credit Card is available to those earning over 10k p.a, resident in mainland UK and over 18 years old. 3.3 Where we refer to eligible cards in future communications to you, this means your NatWest Visa debit card(s) on eligible personal current accounts and/or your Cashback Plus Credit Card(s). 3.4 Personal current accounts and Cashback Plus Credit Card accounts must not be used for business purposes. 4. Activation 4.1 To activate your Cashback Plus account for NatWest Visa debit card(s) only, visit the Cashback Plus website at If you are unable to access the internet and would like to activate your Cashback Plus account then please call the Customer Service team on or Minicom Calls may be recorded. 4.3 When you activate your Cashback Plus account, it will automatically be linked to all the NatWest Visa debit card(s) in your name in relation to your personal current account(s) (except any cards available with a Basic Account, Cash Account or Step Account or current account mortgage products) and all credit cards issued under your Cashback Plus Credit Card account and you will be able to earn Rewards using any of those cards. 4.4 If your Cashback Plus account has not previously been activated when you apply and are accepted for a Cashback Plus Credit Card account, your Cashback Plus account will be automatically activated and linked to: all credit cards issued under your Cashback Plus Credit Card account; and all the NatWest Visa debit card(s) in your name in relation to your personal current account(s) (except any cards available with a Basic Account, Cash Account or Step Account or current account mortgage products) and you will be able to earn Rewards using any of those cards. 5. How to earn Rewards 5.1 You can earn Rewards by making qualifying purchases using your NatWest Visa debit card(s) (except any cards available with a Basic Account, Cash Account or a Step Account or current account mortgage products) or credit card(s) issued under your Cashback Plus Credit Card account. 5.2 Qualifying purchases can be made at retailers who are part of Cashback Plus. From time to time, we may also introduce special offers provided by NatWest enabling you to make qualifying purchases at additional retailers. 5.3 The Cashback Plus website details: where you can make qualifying purchases/earn Rewards;
2 any exclusions which apply and restrictions on the redemption options available (the Retailer Exclusions ); and what percentage of the value of the qualifying purchase will be converted into Rewards. These details may change from time to time. 5.4 The following transactions are not qualifying purchases and will not earn Rewards: (e) (f) (g) (h) (i) (j) (k) cashback obtained at point of sale when making a payment with your NatWest Visa debit card(s); branch counter withdrawals; electronic cash transfers; withdrawals from cash machines; money transfers; repaying borrowing and all bill payments, including credit card and store card bill payments; purchase (including topping up) payment cards, vouchers, foreign currency or travellers cheques; gambling transactions (including a payment to a merchant we identify as being in the business of gambling, even if not for a bet); balance transfers where we pay your debt to another financial institution and charge it to your Cashback Plus Credit Card account; payments not in Sterling (except in respect of Cashback Plus Credit Card transactions); payments outside the UK (except in respect of Cashback Plus Credit Card transactions). 5.5 Interest, fees and other charges are not qualifying purchases and will not earn Rewards. 5.6 If a qualifying purchase is refunded or cancelled or reversed, we will adjust your Rewards balance to reflect this. If you have redeemed your Rewards balance prior to returning any goods or services to the retailer, then we may contact you to ask you not to operate your Cashback Plus account in this way. If we issue you with two of these communications but you continue to operate your Cashback Plus account in this way then we may close your Cashback Plus account immediately and we do not need to give you notice as set out in Term 10. Any Rewards balance which has not been redeemed will be cancelled. 5.7 Your Rewards balance is personal and cannot be transferred. 6. How we will credit your Cashback Plus account 6.1 All qualifying purchases will be displayed as pending in your Cashback Plus account until they are cleared. This means that the qualifying purchase has been recorded but is not yet available for redemption. 6.2 Once the qualifying purchase has been cleared, which may take up to 35 days, your Rewards balance will be available for redemption and will be shown as available on your Cashback Plus account. 6.3 If additional cards are issued on your Cashback Plus Credit Card account, any Rewards earned on qualifying purchases made using an additional card will be treated as being earned by you and can only be redeemed by you. 7. How to redeem your Rewards balance 7.1 Unless we tell you otherwise, you can only redeem your Rewards balance when it has reached the equivalent of 5.00 or more. 7.2 Your Rewards balance has no monetary value until it is redeemed. 7.3 You can redeem your Rewards balance by: changing it into cash which is transferred to your NatWest current account; or if you have a Cashback Plus Credit Card account, changing it into cash which is transferred to your Cashback Plus Credit Card account; or changing it into cash which is donated to a participating charity; or exchanging it for vouchers or tickets of a higher value which you can use at selected retailers. Further details of the redemption options available, including any special offers available to you, are detailed on the Cashback Plus website. 7.4 Redemption options and any special offers may only be available for a short period, may require a minimum Rewards balance and will be subject to the Retailer Exclusions. 7.5 Any vouchers or tickets ordered by you when redeeming your Rewards balance will be delivered to the address held on your Cashback Plus account. Delivery within the United Kingdom is free of charge.
3 7.6 Once you have redeemed your Rewards balance, you cannot cancel or change the redemption option you have selected. 8. Communications 8.1 Telephone calls may be recorded. 8.2 All our communications with you will be in English. 8.3 If you provide us with your address and/or mobile phone number, we will use these to communicate service related information to you and we may alert you to any concerns we have about the activity on your Cashback Plus account; and 8.4 If you provide us with your address, we will use this to communicate special Cashback Plus offers to you. You can unsubscribe from this type of communication from us but, if you do so, you will not be eligible to receive these offers. 8.5 If you are unable to access the internet or do not have an address, you can operate your Cashback Plus account by calling the Customer Service team on or Minicom If your mobile phone number or address changes or you wish to unsubscribe from receiving special Cashback Plus offers from us, then you should update these details on the Cashback Plus website (www. cashbackplus.natwest.com/myaccount/communicationchoices) or by calling the Customer Service team. Please note that if you change your address or mobile phone number on the Cashback Plus website or by calling the Customer Service team, this change will apply in relation to Cashback Plus only and you must separately update these details for the purpose of other NatWest services by contacting your local branch, by calling our telephone banking service or via our Digital Banking service. 9. Your information 9.1 Who we are We are a member of The Royal Bank of Scotland Group ( RBS ). For information about other RBS companies please visit and click on About Us, or contact your branch. Cashback Plus is operated on our behalf by Reward. 9.2 The information we hold about you Your information is made up of all the financial and personal information we hold about you and your transactions. It includes: information you give to us; information that we receive from third parties (including other RBS companies, third parties who provide services to you or us and credit reference or fraud prevention agencies); information that we learn about you through our relationship with you and the way you operate your current account(s) and/or services; and information that we gather from the technology which you use to access our services (e.g. location data from your mobile phone or an Internet Protocol (IP) address or telephone number). 9.3 Changes to the way we use your information From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we will notify you and will allow a period of 60 days for you to raise any objections before the change is made. However, please note that in some cases, if you do not agree to such changes it may not be possible for us to continue to operate your Cashback Plus account and/or provide certain products and services to you. 9.4 How we use and share your information with other RBS companies and with Reward We may use and share your information with other RBS companies and with Reward in order that we can provide Cashback Plus to you. This information is used by us and Reward to: set up and manage your Cashback Plus account; analyse your transactions so that we can understand the way you like to operate your accounts and your lifestyle and purchasing preferences; use the results of our analysis of your transactions to provide you with Cashback Plus offers from participating retailers which may be of interest to you; and send you information about Cashback Plus We will not disclose your information to anyone outside RBS or Reward except: where we have your permission;
4 (e) (f) (g) where we are required or permitted to do so by law and/or by law enforcement agencies, government entities, tax authorities or regulatory bodies around the world; to third party service providers, agents and sub-contractors acting on our or Reward s behalf; to other companies that provide you with benefits or services associated with your product or service; where required for a sale, reorganisation, transfer or other transaction relating to our business; in anonymised form as part of statistics or other aggregated data shared with third parties; or where permitted by law, it is necessary for our legitimate interest or those of a third party and it is not inconsistent with the purposes listed above We will not share your information with third parties for marketing purposes. 9.5 Transferring information overseas We may transfer your information to organisations in other countries (including other RBS companies) on the basis that anyone to whom we pass it protects it in the same way we would and in accordance with applicable laws. 9.6 How long we keep your information We will keep your information for as long as it is required by us or other RBS companies (even if you close your account) in order to comply with legal and regulatory requirements, or for other operational reasons, such as dealing with any queries relating to your Cashback Plus account. 9.7 Security We are committed to ensuring that your information is secure with us and with the third parties who act on our behalf. For more information about the steps we are taking to protect your information please visit personal.natwest.com/personal/security-centre.html. 10. Suspension, cancellation and/or termination of Cashback Plus 10.1 We may suspend your Cashback Plus account meaning that you will not earn Rewards on qualifying purchases if you break any of the terms and conditions which apply to your personal current account and/or the Terms and General Conditions which apply to your Cashback Plus Credit Card account We can close your Cashback Plus account and cancel any Rewards balance if you have not used your Cashback Plus account for a period of eighteen months. Using your Cashback Plus account means you either: log into your Cashback Plus account via the Cashback Plus website; or for customers who are unable to access the Cashback Plus website, contact the Customer Service team in respect of your Cashback Plus account; or redeem any Rewards balance. We will give you not less than 30 days notice before we close your Cashback Plus account and cancel any Rewards balance for this reason We can close your Cashback Plus account immediately if you use your personal current account or Cashback Plus Credit Card account for business or commercial purposes. Any Rewards balance which has not been redeemed will be cancelled We can also close your Cashback Plus account at any time for any other reason by giving you not less than 30 days notice. You will be able to continue to earn Rewards during that 30 day period. Once the 30 day period has expired you will no longer be able to earn Rewards but you will have a further 45 days during which you may redeem your Rewards balance. After the expiry of the 45 day period, any Rewards balance which has not been redeemed will be cancelled If all of the personal current account(s) for which you have NatWest Visa debit card(s) that are linked to your Cashback Plus account and all of your Cashback Plus Credit Card accounts are closed then your Cashback Plus account will be closed and any Rewards balance which has not been redeemed will be cancelled You may opt out of Cashback Plus and cancel your Cashback Plus account at any time. Any Rewards balance which has not been redeemed will be cancelled If you have a Cashback Plus Credit Card account and wish to opt out of Cashback Plus and cancel your Cashback Plus account, we may communicate with you about options regarding your Cashback Plus Credit Card account, including applying for an alternate credit card account and transferring the balance on your Cashback Plus Credit Card account to that alternate credit card account In the event of your death, your Cashback Plus account will be closed and any Rewards balance which has not been redeemed will be cancelled. Your Rewards balance is not transferable to your beneficiaries.
5 11. Limitation of liability 11.1 You must keep your security details (which include any identifying words, codes and numbers agreed between us) secret and take all reasonable precautions to prevent unauthorised or fraudulent use of them. We will not be responsible for any unauthorised use of Cashback Plus caused by any unauthorised disclosure We have no responsibility in respect of any tax liability that may arise from your participation in the Cashback Plus scheme. 12. Complaints 12.1 If you wish to complain about any aspect of Cashback Plus, we have procedures designed to resolve your complaint effectively. You can tell us about your complaint in the following ways: visit any of our branches; call us on or Minicom ; visit our website or write to the following address: Customer Relations Manager NatWest PO Box 594 Chatham ME4 9DP 12.2 If you are not satisfied with our response, complaints can be referred to: The Financial Ombudsman Service Exchange Tower London E14 9SR The Financial Ombudsman Service can also be contacted by telephone on General terms 13.1 If we have a valid reason, we may change these Terms at any time by giving you not less than 30 days notice. If you are unhappy with any changes we make then you may close your Cashback Plus account at any time. You will have 45 days from the date on which you advise us that you wish to close your Cashback Plus account to redeem your Rewards balance. After the expiry of the 45 day period, any Rewards balance which has not been redeemed will be cancelled While we make reasonable efforts to provide our services, we will not be liable for any failure to provide them for any cause that is beyond our reasonable control. This includes, in particular, any suspension of Cashback Plus, the Cashback Plus website or the Customer Service team phone lines resulting from maintenance and upgrades to our systems or the systems of any party used to provide Cashback Plus, other disruptions to our systems, outages on any phone network or in the case of mobile networks where you are not in an area of mobile coverage Where you make a qualifying purchase from a participating retailer, please be aware that you are contracting directly with third party organisations. We are not responsible for products and services purchased from third party organisations or any other aspects relating to the content or security of their website and these are subject to the third party s own terms and conditions If your address is in Scotland then Scots law applies to these Terms and the Scottish courts have non-exclusive jurisdiction over any disputes arising between you and us If your address is in England or elsewhere then English law applies to these Terms and the English courts have non-exclusive jurisdiction over any disputes arising between you and us.
6 14. Cashback Plus Household Bills Offer 14.1 Eligibility You are eligible for this offer if you have a: Select Silver Account; Select Platinum Account; Black Account; or any personal current account as a NatWest Private customer (excluding Basic Accounts, Step Accounts or current account mortgage products), and you join Cashback Plus before 11 October We will refer to these accounts as eligible accounts throughout the rest of these terms. These terms will apply during the offer period which will end on 31 December 2015 and will start from: 20 July 2015, if you already have a Cashback Plus account; or 3 business days after you join Cashback Plus. From 1 January 2016 you will continue to earn Rewards on your eligible cards but this offer will no longer be available How to earn Rewards During the offer period, you can earn 3% Rewards on Direct Debit payments from your eligible account for your: council tax; gas, electricity and water supply; home phone and broadband; mobile phone; and TV package, ( household bill payments ). Rewards can only be earned on household bill payments made to organisations that we have identified as either local authorities who charge council tax or suppliers of the services listed above (the eligible organisations ). You can find out if your supplier is included by visiting or by calling the Customer Service team on or Minicom at any time. You will not earn Rewards on payments that are: not for your own personal household expenses; not made by Direct Debit; not to eligible organisations; to eligible organisations but are for ancillary services (such as maintenance, repairs or insurance); or made to eligible organisations before or after the offer period ends. Rewards from household bill payments will be displayed as pending in your Cashback Plus account for 35 days. This means that the Rewards have been recorded but are not yet available to redeem. Once the Rewards have cleared, they will be shown as available on your Cashback Plus account Important information for joint account holders Only one joint account holder can earn Rewards on household bill payments. If your eligible account is a joint account, one account holder will be elected automatically to earn Rewards on household bill payments. You can check which account holder has been elected to earn Rewards on household bill payments and change this election by: logging in to your Cashback Plus account online; or calling the Customer Service team on or Minicom We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. National Westminster Bank Plc. Registered in England and Wales No Registered Office: 135 Bishopsgate, London EC2M 3UR.
1. What is MyRewards? 2. How to set up MyRewards
MyRewards Terms MyRewards Terms Contents Page 1. What is MyRewards? 3 2. How to set up MyRewards 3 3. Earning Rewards 4 4. How you can use your Rewards 7 5. How we ll get in touch with you and how we use
More informationSample Credit Card Agreement
Sample Credit Card Agreement Please note this is a sample credit card agreement. It does not contain a credit limit, any interest rates, an APR or the Total Amount Payable as this information can vary
More informationSample Credit Card Agreement
Credit Cards Sample Credit Card Agreement Please note this is a sample credit card agreement. It does not contain a credit limit, any interest rates, an APR or the Total Amount Payable as this information
More informationYour Current Account Terms
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
More informationHelpful banking. For savings accounts opened on or after 18 November 2013
NatWest Personal & Private Savings Account Terms Personal & Private Savings Account Additional Charges and Fees Information Fixed Rate Bond Terms Fixed Term Savings Account Terms Fixed Rate ISA Terms For
More informationBusiness Banking. Terms Business Customers. Ahead for business
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
More informationBusiness Banking. Terms and Conditions. Liquidity Manager Notice Account Business Customers
Business Banking Terms and Conditions Liquidity Manager Notice Account Business Customers LIQUIDITY MANAGER NOTICE ACCOUNT TERMS These terms apply to the following Accounts provided by The National Westminster
More informationYour Current Account Terms
Your Current Account Terms NatWest Personal & Private Current Account Terms Personal & Private Current Account Fees & Interest Rates Helping you get the most from your Personal & Private NatWest Current
More informationLimited Companies or Limited Liability Partnerships requesting up to 2 cardholders
Business Credit Card Application Form Limited Companies or Limited Liability Partnerships requesting up to 2 cardholders Note to Bank staff: Please complete when 2 or less cards are requested. For requests
More informationYour Virgin Essential Current Account
Your Virgin Essential Current Account The Terms July 2015 These are the Terms of your Virgin Essential Current Account. These Terms, along with our Welcome guide, make up our agreement with you. We give
More informationPersonal and Private Banking Terms and Conditions
Personal and Private Banking Terms and Conditions Customers with Disabilities We offer a range of services that may assist you with your day-to-day banking requirements such as literature available in
More informationKent Card Cardholder Guide
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
More informationPrivate Client Conditions of Use
Private Client Conditions of Use Contents General Conditions 2 Section A: Conditions of General Application and current accounts (a payment account) 2 Your information 2 Opening an account 3 Giving us
More informationOur agreement with you
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?
More informationNatWest Personal & Private Savings Account Terms Personal & Private Savings Account Additional Charges and Fees Information Fixed Rate Bond Terms
NatWest Personal & Private Savings Account Terms Personal & Private Savings Account Additional Charges and Fees Information Fixed Rate Bond Terms Fixed Rate ISA Terms For savings accounts opened on or
More informationADAM95003-A+C-A5-T&C-47_Layout 1 12/02/2014 14:40 Page 1 TERMS AND CONDITIONS
TERMS AND CONDITIONS Terms and Conditions 1 Contents Section Page Introduction 2 General Conditions Section A Conditions of General Application 4 Section B Adam Select Card Conditions 25 Section C Adam
More informationRBS Personal & Private Current Account Terms Personal & Private Current Account Fees & Interest Rates Helping you get the most from your Personal &
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 This leaflet is also available
More informationTERMS AND CONDITIONS for the Select Retailer Group Prepaid Virtual Card and the Spend Anywhere Prepaid Virtual Card
TERMS AND CONDITIONS for the Select Retailer Group Prepaid Virtual Card and the Spend Anywhere Prepaid Virtual Card This Agreement applies to Your Virtual card. You must read it carefully. By applying
More informationJOINING US TOGETHER MOVING YOUR CURRENT ACCOUNT TO LLOYDS BANK
JOINING US TOGETHER MOVING YOUR CURRENT ACCOUNT TO LLOYDS BANK Downtime. It s a precious commodity. So when you re rushing from A to B it s good to know switching your bank account to Lloyds Bank is quick
More informationGeneral Conditions for Bank of Cyprus UK CharityBonds (April 2013)
General Conditions for Bank of Cyprus UK CharityBonds (April 2013) Bank of Cyprus UK Limited ( we/our/us ), trading as Bank of Cyprus UK, incorporated in England and Wales as company number 04728421, a
More informationActorcard Prepaid Visa Card Terms & Conditions
Actorcard Prepaid Visa Card Terms & Conditions These Terms & Conditions apply to your Actorcard prepaid Visa debit card. Please read them carefully. In these Terms & Conditions: "Account" means the prepaid
More informationCurrent Account Switching Services. Welcome to Bank of Ireland UK
Current Account Switching Services Welcome to Bank of Ireland UK 2 Contents Introduction 3 Current Account Switch Service The benefits 4 The guarantee provides 4 You can use the Current Account Switch
More informationYOUR BANKING RELATIONSHIP WITH US. Personal Banking terms and conditions
YOUR BANKING RELATIONSHIP WITH US Personal Banking terms and conditions July 2015 Changes to your Bank Account or Savings Account Conditions We are making some changes to the conditions that apply to our
More informationfirst direct credit card terms
first direct credit card terms 1 Definitions These are the definitions used in this Agreement: : a transfer to the Account of an amount you owe to another lender (who is not a member of the HSBC Group)
More informationCurrent Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions
Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions With effect from 5 July 2015 Terms and conditions of the
More informationHSBC Bank Student Credit Card
HSBC Bank Student Credit Card The essentials Summary Box Repayment Example Credit Card Agreement Credit Card Agreement Terms 2 Summary Box The information contained in this table summarises key product
More informationTerms and Conditions. Purchasing Card Virtual Purchasing Card
Terms and Conditions Purchasing Card Virtual Purchasing Card 1 DEFINITIONS Capitalised terms in the Agreement have the meaning set out at the end of the Agreement. 2 OPENING ACCOUNTS 2.1 What happens when
More informationTHE ABCUL CREDIT UNION PREPAID CARD SUMMARY BOX
SUMMARY BOX The information in these tables summarises key product features and is not intended to replace any terms and conditions. ON APPLICATION Card fee 3.50 Other up-front fees 0.50 to load the card
More informationHSBC Premier Credit Card. Agreement Terms
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
More informationBarclaycard Business Credit Card Terms and Conditions
Barclaycard Business Credit Card Terms and Conditions 1 Contents 1. Introduction 3 Your card 3 Business credit limit 3 Monthly payment 4 2. Your interest charges 4 Interest rates 4 Promotional balance
More informationYour NatWest Visa Debit Card with contactless
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
More informationBanking terms and conditions
M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER Banking terms and conditions EFFECTIVE FROM 17 FEBRUARY 2015 NEW FASHIONED BANKING Contents Page Page Section
More informationBusiness Debit Card. Cardholder Terms. HB00520_BusDebitCard_TC-12pp.indd 1 01/08/2012 15:07
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
More informationCurrent Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions
Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions Terms and conditions of the Current Account, Current Account
More informationsmile current account Terms and Conditions
smile current account Terms and Conditions Terms and Conditions of the smile current account, overdraft and debit card (incorporating smilemore and smile student) With effect from 5 July 2015 Terms and
More informationCURRENT ACCOUNT SWITCH
CURRENT ACCOUNT SWITCH NO LONG WAIT. NO FUSS. NO HASSLE. OUR SWITCH SERVICE MAKES MOVING YOUR ACCOUNT TO US SIMPLE. Now we can switch your account to the Halifax in just seven working days. Switch in just
More informationcredit card Your Welcome Guide
credit card Your Welcome Guide We d like to welcome you as a new Co-operative Membership credit card holder. Welcome This guide tells you all you need to know to make the most of your Co-operative Membership
More informationCard Services Rewards and Card Services Qantas Rewards Program Terms and Conditions
Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions February 2012 Contents Page 1. Definitions 2 Chapter One 2. Participation and Agreement 4 3. Awarding of Points 4 4.
More informationAltitude Rewards and Altitude Qantas
Altitude Terms and Conditions Altitude Rewards and Altitude Qantas Effective 9 November 2014 Altitude Rewards 1 Contents Altitude Rewards terms and conditions...4 1. When do these terms and conditions
More informationT s And C s. Credit card. It s Ours. Effective 28 May 2015
T s And C s. Credit card terms Effective April and 2012 conditions Effective 28 May 2015 It s Ours. 1 What s Inside Here. Kiwibank Credit Card Terms and Conditions 2 1. Responsibility for your use and
More informationcahoot CHAPS and International Payments terms and conditions
cahoot CHAPS and International Payments terms and conditions These terms and conditions (the Conditions ) set out your rights and obligations when you request us to make any of the following payments in
More informationAltitude Business Rewards. Terms and conditions. Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards
Altitude Business Rewards Terms and conditions Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards Effective 15 August 2015 Contents 1. When do these terms and conditions
More informationCredit cards explained
Credit cards explained What is a credit card? As its name suggests, a credit card lets you buy things on credit meaning that you don t need to have the money upfront to pay for your purchases. If large,
More informationCUSTOMER COPY Credit Agreement
CUSTOMER COPY Credit Agreement IMPORTANT INFORMATION 1. Amount of credit limit: Credit limit is notified to you from time to time. 2. Duration of agreement: No fixed period, see Condition 8 of the Terms
More informationBendigo Rewards. Terms & Conditions. 21 December 2015. www.bendigobank.com.au
Bendigo Rewards. Terms & Conditions. 21 December 2015 www.bendigobank.com.au Bendigo and Adelaide Bank Limited The Bendigo Centre Bendigo VIC 3550 Telephone 1300 BENDIGO (1300 236 344) ABN 11 068 049 178.
More informationBank of Scotland Private Banking Savings Accounts
Bank of Scotland Private Banking Savings Accounts Terms and Conditions Applicable to: Premier Investment Account Premier Reserve Account (for Personal Customers) Premier Reserve Account (for Trusts) 3
More informationCitibank Rewards and Citibank Qantas Rewards Program Terms and Conditions. Citibank Rewards Credit Card - Signature Citi Prestige Credit Card
Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions Citibank Rewards Credit Card - Signature Citi Prestige Credit Card Contents Page 1. Definitions 2 Chapter One 2. Participation
More informationFixed Term Deposit and Smart Saver account. Terms and conditions
Fixed Term Deposit and Smart Saver account Terms and conditions Contents Fixed Term Deposit Page 1 Smart Saver account Page 4 Fixed Term Deposit account Terms & Conditions Please read and keep your Fixed
More informationANZ CashBack. programme guide
ANZ CashBack programme guide CashBack rewards you for purchases you make with your CashBack card. Using your card CashBack Rewards CashBack rewards you for purchases you make with your CashBack card.
More informationM&S CURRENT ACCOUNT AND M&S MONTHLY SAVER. Terms and conditions EFFECTIVE FROM 8 JANUARY 2015 NEW FASHIONED BANKING
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
More informationSelect Account. The essential guide to your new account
Select Account The essential guide to your new account 2 Welcome to your Select Account Your new account gives you the convenience of being able to withdraw money from any cash machine in the UK, as well
More informationSole Traders or Partnerships requesting up to 2 cardholders
Business Credit Card Application Form Sole Traders or Partnerships requesting up to 2 cardholders Note to bank staff: Please complete when 2 or less cards are requested. For Partnerships requesting more
More informationTerms and Conditions. Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards
Terms and Conditions Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards Effective Date: July 2014 Table of Contents 1. Meaning of Words...
More informationbarclaycard commercial gold credit card terms and conditions
barclaycard commercial gold credit card terms and conditions barclaycard commercial Credit card agreement regulated by the Consumer Credit Act 1974 These are the terms and conditions of the agreement between
More information2. SCOPE OF THIS AGREEMENT
The TUI Travel Prepaid MasterCard Terms and Conditions (October 2009) Please read this Agreement carefully before you use your Card. This information forms the Terms and Conditions of your Thomson Travel
More informationIncome Investment Plan Issue 1 (ISA) Terms and Conditions
Income Investment Plan Issue 1 (ISA) Terms and Conditions Income Investment Plan Issue 1 ISA Terms and Conditions These Terms and Conditions govern your investment in the Income Investment Plan Issue 1
More informationOnline Services terms and conditions
Online Services terms and conditions 1. Who we are 1.1 Your account is with OneSavings Bank plc trading as KRBS and Kent Reliance Banking Services. For information about our Group please visit www.onesavingsbank.com.
More informationInternet Saver Account. Terms and Conditions
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
More informationBank Account Conditions.
Personal Banking Bank Account Conditions. Applicable from 30 July 2015. Bank Account Conditions. This booklet contains the general conditions that apply to our personal bank accounts and some related services.
More informationBUSINESS CHARGE CARD. User Guide
BUSINESS CHARGE CARD User Guide Keeping control of business expenses This leaflet explains how to make the most of your Business Charge Card whether you will be using the card yourself, or managing the
More informationFixed Term Deposit account Terms & Conditions
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
More informationTrue Rewards Card Conditions of Use
True Rewards Card Conditions of Use True Rewards ASB Bank Limited 55930 1300 0315 Hello and welcome! These are the conditions of your agreement with ASB Bank Limited, PO Box 35, Shortland Street, Auckland
More informationcredit card Your Welcome Guide
credit card Your Welcome Guide We would like to welcome you as a new Co-operative Membership credit cardholder. welcome This guide tells you all you need to know to make the most of your Co-operative Membership
More information1,000,000. Triodos Bank. These are our Terms and Conditions for businesses and charities.
Triodos Bank. These are our Terms and Conditions for businesses and charities. 1,000,000 homes supplied by clean, green electricity produced by energy projects financed by Triodos Bank* Table of Contents
More informationPrepaid Card Terms and Conditions
Prepaid Card Terms and Conditions These terms and conditions apply to your Prepaid Card. You must read them carefully. In these terms and conditions "you" means the named Prepaid Cardholder and the authorised
More informationYour RBS Basic Account Visa Debit Card
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
More informationPersonal Banking. Terms and Conditions
Personal Banking Terms and Conditions This leaflet is also available in large print. If you are unhappy with your choice of account, you have 14 days to cancel it. That 14 day period runs from the later
More informationYOUR BANKING RELATIONSHIP WITH US. Personal Banking terms and conditions
YOUR BANKING RELATIONSHIP WITH US Personal Banking terms and conditions April 2014 This booklet contains the general conditions that apply to our personal bank accounts and some related services. Please
More informationEveryday Rewards terms and conditions
Everyday Rewards terms and conditions 1. These terms and conditions of the Everyday Rewards Scheme 1.1 These terms and conditions together with the Everyday Rewards Benefits Document ( the agreement )
More informationANZ Credit Cards CONDITIONS OF USE 20.07.2015 CONSUMER CREDIT CARDS
ANZ Credit Cards CONDITIONS OF USE 20.07.2015 CONSUMER CREDIT CARDS Containing terms and conditions for: ANZ Consumer Credit Cards ANZ Internet Banking ANZ Phone Banking ANZ Mobile Banking BPAY ANZ Contacts
More informationA guide to our Online Savings Service
A guide to our Online Savings Service Secure access to your online accounts 24/7-365 days a year You can access your Bank of Ireland UK Online Savings accounts 24/7 365 days a year online. It is easy to
More informationCurrent Account Conditions and AccounT Information.
Current Account Conditions and AccounT Information. If you open an account with us it will be with Yorkshire Building Society (trading as Norwich & Peterborough Building Society, Norwich & Peterborough
More informationBusiness Current Account Conditions of Use
Commercial Banking CONDITIONS OF USE FOR BUSINESS CURRENT ACCOUNT, MONEY MARKET DEPOSIT, BUSINESS RESERVE ACCOUNT, BUSINESS CASH CARD AND COUTTS ONLINE Business Current Account Conditions of Use Unless
More informationInstant Access Savings Account. Terms and Conditions
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
More informationAllied Irish Bank (GB) Visa Gold Card
Visa Gold Card SUMMARY BOX Allied Irish Bank (GB) Visa Gold Card The information contained in this table summarises key product features and is not intended to replace any Terms & Conditions. APR Interest
More informationNationwide Paym. Terms and Conditions. How will Nationwide use your personal information? Terms and Conditions
Nationwide Paym Terms and Conditions How will Nationwide use your personal information? In signing up and agreeing to these terms and conditions, you give your express consent to the use and disclosure
More informationFirst Trust Bank Visa Card / First Trust Bank MasterCard INTO Visa Card / ICAI Gold MasterCard Terms & Conditions of use
First Trust Bank Visa Card / First Trust Bank MasterCard INTO Visa Card / ICAI Gold MasterCard Terms & Conditions of use Effective date 30 June 2015 These conditions apply to the Agreement (referred to
More informationCorporate & Commercial. Your onecard account. An administrator s guide
Corporate & Commercial Your onecard account An administrator s guide Contents Get to know your onecard account 3 Making changes to your onecard account 4 New and replacement cards 5 Troubleshooting transaction
More informationTesco Credit Card General Conditions
Tesco Credit Card General Conditions What you need to know This forms part of and should be read with your credit agreement signed by you and us. When we refer to us in this document we are referring to
More informationBankwest Qantas Rewards
Credit Cards Bankwest Qantas Rewards Terms and Conditions 1 October 2014 making banking easier Customer enquiries Please call 13 17 19 or visit bankwest.com.au. Where to report lost or stolen cards or
More informationBusiness Account. Terms and conditions
Business Account Terms and conditions Terms and conditions Business Account Please read and keep your business account terms and conditions (conditions) in a safe place. These conditions (including those
More informationTravel Money Card Plus
money Travel Money Card Plus Terms and Conditions November 2013 Your travel money card plus Handled with care Travel Money Card Plus Terms and Conditions November 2013 Please read this Agreement carefully
More informationCredit Cards. Tesco Credit Card General Conditions
Credit Cards Tesco Credit Card General Conditions What you need to know This forms part of and should be read with your credit agreement signed by you and us. When we refer to us in this document we are
More informationSUMMARY BOX. American Express Charge Card - Gold Business Card. American Express Charge Card - Centurion Card (application only by invitation)
AMERICAN EXPRESS CHARGE CARD TERMS AND CONDITIONS At American Express we will endeavour to ensure that you are given important information in the clearest format possible. The information contained in
More informationCONDITIONS OF USE for GREATER CREDIT CARDS
Head Office: 103 Tudor Street, Hamilton NSW 2303 PO Box 173, Hamilton NSW 2303 Phone: 1300 651 400 Fax: (02) 4921 9112 Web: www.greater.com.au Email: webenquiry@greater.com.au ABN 88 087 651 956 Australian
More informationCredit Cards. Conditions of Use. making banking easier
Credit Cards 1 Conditions of Use Privacy Statement and Consent to Use Your Information 25 May 2015 making banking easier About these Conditions of Use Your Card Contract comprises: (1) these Conditions
More informationTerms and conditions The TUI Travel Prepaid MasterCard Terms and Conditions 1. DEFINITIONS Account Account Number Agreement Available Balance Card
Terms and conditions The TUI Travel Prepaid MasterCard Terms and Conditions Please read this agreement carefully before you use your Card. This information forms the terms and conditions of your Thomson
More informationBusiness Charge Card and Business Credit Card Terms and Conditions
Business Charge Card and Business Credit Card DECEMBER 2014 CONTENTS 1. Use of Your Business Credit Card or Business Charge Card 3 2. Making and Stopping Payments 4 3. Payments and Statements 4 4. Refunds
More informationPRE-CONTRACT CREDIT INFORMATION
PRE-CONTRACT CREDIT INFORMATION (Standard European Consumer Credit Information) 3 Year Fixed Rate credit card 1. Contact details Creditor. Address. Telephone number(s). 2. Key features of the credit product
More informationCONDITIONS OF USE. for GREATER BUSINESS VISA CREDIT CARDS
Head Office: 103 Tudor Street, Hamilton NSW 2303 PO Box 173, Hamilton NSW 2303 Phone: 1300 651 400 Fax: (02) 4921 9112 Web: www.greater.com.au Email: webenquiry@greater.com.au ABN 88 087 651 956 Australian
More informationMAYFAIR PRIVATE BANKING SERVICE. Terms and Conditions
MAYFAIR PRIVATE BANKING SERVICE Terms and Conditions Applicable from 22nd November 2015 This booklet contains the general conditions that apply to our personal bank accounts and some related services.
More informationPersonal banking terms and conditions
Personal banking terms and conditions 1 Please read these Terms and Conditions carefully and retain them for future reference. Contents Section Page Section A General Account Terms and Conditions 4 Section
More informationBankwest Qantas Rewards Program for the Bankwest Qantas Transaction Account
Page 1 bankwest.com.au Bankwest Qantas Rewards Program for the Bankwest Qantas Transaction Account Terms and Conditions 30 November 2015 This booklet covers the terms and conditions that apply to the Bankwest
More informationBusiness Debit Card User Guide and Application
Business Debit Card User Guide and Application First Trust Bank Business Debit Card User Guide This guide explains the features of the Business Debit Card. You should read this guide with the terms and
More informationBNZ credit card terms and conditions.
BNZ credit card terms and conditions. 11 September 2015 Important Information for new credit card customers When you first enter into your credit card contract with us, we are required to give you certain
More informationHow To Use Anz Credit Card
ANZ Credit Cards CONDITIONS OF USE 25.05.2015 CONSUMER CREDIT CARDS Containing terms and conditions for: ANZ Consumer Credit Cards ANZ Internet Banking ANZ Phone Banking ANZ Mobile Banking BPAY ANZ Contacts
More informationSwitching your current account to Nationwide
Switching your current account to Nationwide Switch your current account to Nationwide in just 7 working days We understand that choosing to switch your current account can be a big decision and with so
More informationHow often do you see that?
5 % AER* variable Interest and Instant Access How often do you see that? The Access Plus Deposit Account *4.92% gross variable Access Plus not your everyday deposit account It pays you 5%* AER (4.92% Gross)
More informationM&S Banking Terms and Conditions
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
More information