2 2 Whether you re here to work or to study, we understand that moving to a new country can be a difficult and challenging experience. HSBC Passport offers you a unique relocation service designed to make your new start in the UK as smooth and hassle free as possible. We sort out the basics, so you can get on with the important things, like studying or finding a new job and a place to live. HSBC Passport makes your move that much easier, we even provide all the key features in eight languages. Did you know? We are a principal member of the HSBC Group, one of the world s largest banking and financial services organisations with around 7,500 offices in 87 countries and territories.
3 3 HSBC Passport If you re new to the UK, HSBC Passport is a tailored service designed to offer you: } A bank account Stay in control of your money 24 hours a day. } An HSBC Visa Debit Card Shop online, over the phone and on the high street. Withdraw cash from ATMs in the UK and abroad*. Make regular, automated payments from your account. } Competitive international money transfers Send money home at a discounted rate. } Western Union gold!+ card * Earn points and make savings on transaction fees when you send cash back home. } A SIM card for your mobile and Text Banking 10 pre-loaded credit plus 75 free international minutes. } FREE calls to HSBC Telephone Banking * Dial 4722 from your Talkmobile phone. } An exclusive UK relocation service from red24 Feel informed and secure with multi-lingual relocation advice, online and over the phone in eight languages. } A savings account Instant access to your savings with a Flexible Saver Account. *See Important notes on page 10 of this brochure.
4 4 Banking made easy HSBC Passport is designed to meet all your banking needs, so you can be relaxed and confident about managing your finances when you arrive in the UK. With HSBC Passport, you ll receive a fully functional debit card, allowing you 24-hour access to your money. You ll also be able to choose exactly how you control your money at our branches by phone or via the internet, enjoy competitive rates for transferring money back home or start to save with a Flexible Saver Account. HSBC Passport has an initial fixed term of 12 months and is renewable monthly afterwards. HSBC Passport currently has an 8 per month fee. After 12 months you ll have the option to stay with HSBC Passport or we ll help you find the right HSBC account for your changing needs. HSBC Passport has a 14 day cancellation period. See Important notes on page 11 of this brochure for further details. HSBC Passport Bank Account For your everyday banking needs, salary and expenses We understand that you won t have any credit history when you arrive in the UK. However, when you open an HSBC Passport Bank Account, we guarantee that you will get a fully functional debit card allowing you to: } Pay for goods and services on the high street, over the phone and online. } Use any of 59,000 LINK ATM machines in the UK. } Withdraw money from cash machines worldwide, wherever you see the logo shown on your card*. } Access your account 24 hours a day via Telephone and Internet Banking. } Set up standing orders and Direct Debits to make regular payments like your rent or mobile phone bills. } Keep track of your money online or with quarterly paper statements to your UK address. } Receive your first paper statement after you make a transaction on your account.
5 5 Flexible Saver Account For you to save money Once you ve found a job and started earning, you may want to start saving. That s why with HSBC Passport, you ll also receive a Flexible Saver Account. It s perfect for those new to the UK as it doesn t tie you down. It allows you instant access to your money while you save. You ll receive a paper statement every 6 months and you can keep track of your account online or over the phone. From time to time, we also offer Regular Saver accounts which allow you to save from as little as 25 a month by standing order for a fixed term of 12 months. The monthly subscription limit is 250. However if you do not save the maximum 250 in any given month, you can carry over any unused subscription to the following months. Regular savers can save up to a maximum of 3,000 a year into this account. As an HSBC Passport customer you would be entitled to a preferential rate. Terms and conditions apply. Competitive International Money Transfers The ability to send transfer funds safely and securely can be very important to you when you re new to the UK. For this reason, we have designed HSBC Passport so you can enjoy three competitive ways of sending money back home. For sending money home to a bank account 1. HSBC Priority Payment Service Make simple, safe and secure international money transfers across the globe what you would expect from the world s local bank. 2. HSBC Worldpay Service This could be the right solution for you if you want to make a payment to the value of 2,000 or less in local currency, to one of the following countries. Australia, Austria, Belgium, Canada, Cyprus, Denmark, Finland, France, Germany, Hong Kong SAR, Ireland, Italy, Netherlands, New Zealand, Poland, Portugal, South Africa, Spain, Sweden, Switzerland and the USA. For sending money home in cash 3. Western Union gold!+ card* With HSBC Passport, you ll receive a Western Union gold!+ card and an exclusive 3 discount when you first activate it. Plus, every time you complete a transaction using your Western Union gold!+ card, you earn points which can be collected and used towards savings on future transaction fees. *See Important notes on page 10 of this brochure.
6 6 Relocation support a helping hand for UK newcomers Starting a new life in the UK is much more than just banking. That s why we ve teamed up with red24 ReLocate to offer you an invaluable relocation support service, available in 8 different languages. Visit red24.com/relocate Discover step-by-step information to make your transition as easy as possible on the red24 ReLocate website. The site is available in eight languages and includes key information on healthcare, transport and employment as well as useful advice on education, travel and leisure options within the UK. In depth city guides are also available. Plus, you can any specific questions in your own language: you ll get a reply (in English) within 48 hours. Why not take a look before joining? You ll get full access to the site once you ve signed up for HSBC Passport. Pick up the phone If you d rather speak to someone in person, in your own language, you can call the 24-hour ReLocate advice line. Calls are charged at a flat rate of 10p per minute from a landline. Charges will vary for mobile phone calls so we recommend that you either use a landline or your TalkMobile SIM card. This red24 advice line service is available 24 hours a day in Romanian, Polish, Spanish, French, Czech, Slovak, Mandarin and English. Online application assistance Need help with your HSBC Passport application? Call red24 on or for step-by-step guidance on completing the online application.
7 7 Feel informed and connected It takes time to feel at home in a foreign country. Yet a little extra knowledge of your new environment and the ability to contact loved ones back home can really help you to feel connected. With this in mind, HSBC Passport is pleased to offer you these additional benefits. The UK in your pocket Our pocket guides to the UK and London are great for helping you to settle into your new neighbourhood. They include information on the UK s main cities plus more general advice about living and working here. and the rest of the world too If you want to find out more about the UK or plan to travel further afield, you can receive a 25% discount off Lonely Planet travel guides. Please note, this offer is only available through the Lonely Planet online shop at lonelyplanet.com/shop. Talkmobile SIM card It s hard being away from home. The only thing that stops you from feeling too homesick is being in regular contact with family and friends. So HSBC have teamed up with Talkmobile to give you a Pay As You Go SIM card. With Talkmobile s new Globetalker SIM card, you ll get: } 10 pre-loaded credit } An extra 75 free international minutes to call whoever you want back home } FREE international minutes every time you top-up your Globetalker SIM } Low cost international calls and free voic } FREE call to HSBC Telephone Banking* by dialling 4722 from your Talkmobile phone } Great value calls and convenience from your mobile avoid the hassle of calling cards or setting up a landline } Up to 20%off selected handsets* For more information, visit talkmobile.co.uk/hsbcpassport *See Important notes on page 10 of this brochure
8 8 Spread the word... and enjoy 10 for every friend you recommend Introduce somebody new to HSBC Passport and you ll get 10 each to say thank you. There s no limit to the number of people you recommend. So the more colleagues, employees, relatives or friends you tell about HSBC Passport, the more money you could receive. To find out more about HSBC Passport Click hsbc.co.uk/passport Call (Textphone ) or Come in and see us in your local branch. See Important notes on page 10 of this brochure.
9 9 Getting started is easy We just need to confirm who you are and where you ve come from. We will need you to bring in one form of identification and one non-uk address verification to your local branch. Identification Valid Passport Valid National Identity Card Please note: We do not accept online bills or statements. National Identity Card cannot be used to both prove identification and verification of address. Gas, Electricity and Telephone Bills, letters from university, college or language schools and Bank Statements must be dated within the last three months at the time that account opening is completed (when you arrive in the UK). We may undertake further checks and request additional information. Non-UK means your home country, the place you are relocating from. Non-UK address verification Drivers Licence (must include address, signature and photograph) Valid National Identity Card Bank, building society or credit union statement Gas or electricity bill Telephone bill (mobile phone bills are not accepted) Letter from a UK employer, in English, on official headed paper If you are an international student: Letter from a UK university, college or recognised language school, in English, on headed paper with the school s address, signed and dated, stating the duration of your course and your non-uk address What happens next? Once your account has been opened, the following will occur: } Your card will be ordered. } A PIN number will be sent to your UK address in three to five working days. } As soon as you make your first deposit, you will receive a statement which you can then use as UK identification.
10 10 Important notes General HSBC Bank plc is established at 8 Canada Square, London E14 5HQ, its registered office. In the UK, HSBC Bank plc is authorised and regulated by the Financial Services Authority and registered in the Financial Services Authority register with the registration number In the UK, HSBC Bank plc is also licensed by the Office of Fair Trading to carry on a consumer credit business, licence number HSBC Bank plc, PO Box 14, St Helier, Jersey JE4 8NU. HSBC Bank International Limited, HSBC House, Esplanade, St Helier, Jersey JE1 1HS. HSBC Bank plc and HSBC Bank International Limited are licensed by the Jersey Financial Services Commission for Banking and Investment Business, licensed by the Guernsey Financial Services Commission for Banking, Insurance and Investment Business and licensed by the Isle of Man Financial Supervision Commission for Banking and Investment Business. Our terms and conditions and our dealings with you up until the time your account is opened are governed by the laws of England and Wales for accounts held in the UK or, for accounts held in the Channel Islands or the Isle of Man, by the laws of the Island where your account is held. Further information and written details about our products and services are available from any of our branches or from Customer Information, PO Box 757, Hemel Hempstead, Hertfordshire, HP2 4SS. We reserve the right to decline applications for any product, account or service. Our credit facilities are subject to status. We are required by law to tell you that the terms and conditions are in English and we will communicate with you in English. 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 the current FSCS limit for deposits. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, each depositor would have a separate claim up to the FSCS deposit limit and so the maximum amount that could be claimed in total would be twice the current FSCS deposit limit. The FSCS deposit limit relates to the combined amount in all the eligible depositor s accounts with the bank, including their share of any joint account, and not to each separate account. First Direct and HSBC are both trading names of HSBC Bank plc and customers who hold deposits under both trading names will only be eligible for one claim of up to the FSCS deposit limit in total. For further information about the scheme (including the current limits, amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website org.uk or call the FSCS on or For all other enquires on your account please contact HSBC on 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 Banking Depositor 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 established by The Banking Deposit Compensation Scheme (Bailiwick of Guernsey) Ordinance, Deposits made with our branches in the Isle of Man are protected by the Isle of Man Compensation of Depositors Regulations Full details available on request.
11 11 If you have a complaint please let your local branch manager or the manager of the department concerned know. We will endeavour to resolve your concerns and put matters right. If your complaint is not settled to your satisfaction you may be able to refer it to the Financial Ombudsman Service in the UK, the Financial Services Commissions in Jersey or Guernsey and the Financial Services Ombudsman Scheme for the Isle of Man. Our Listening to your comments leaflet contains further details. Passport This brochure only sets out a summary of HSBC Passport. HSBC Passport is subject to status. HSBC Passport is only available to customers aged 16 or over. We will tell you if your application has been successful and when we will open your account. This may be subject to appropriate identification, address verification or other specified documentation being produced to us. HSBC Passport and the products/services available through HSBC Passport are subject to terms and conditions which you will be given when you apply. You can cancel HSBC Passport either: if you apply for HSBC Passport when you are not in the UK, 14 days after you attend at your UK branch to complete all necessary formalities, or if you are already in the UK when you apply for HSBC Passport, 14 days after the date we opened your account. In both of these situations, there will be no charge. If you choose to cancel HSBC Passport within the cancellation period you must return all items provided to you under the HSBC Passport Service in new and unused condition. After the 14 day cancellation period, you will not be able to close HSBC Passport within the initial 12-month period and you will be required to make the monthly fees during this time. You are not liable for any transactions undertaken if your HSBC Bank international debit card is misused by someone who obtained it without your consent. We may investigate and ultimately hold registered cardholders liable if we believe/prove that the cardholder was negligent, or participated/ assisted in the completion of the fraudulent transactions. Please see our General Terms and Conditions, Current Account Terms and Conditions and Savings Account Terms and Conditions for more information. Some cash machine operators may apply a direct charge for cash withdrawals and this will be advised on the screen at the time of withdrawal. You will not be charged for using HSBC Bank ATMs in the UK. UK currency cash machine You can use your debit card to make cash withdrawals in Euros or US Dollars from some of our self-service machines. The HSBC prevailing exchange rate and the amount of currency you will receive and the Sterling amount will be shown on the screen. The amount of the cash withdrawal converted into Sterling will be deducted from your account balance immediately. Using your card abroad General: The exchange rate that applies to any foreign currency debit card payments (including cash withdrawals) is the wholesale market rate used by VISA applying on the day the conversion is made plus our foreign exchange charge, which is currently 2.75% of the applicable VISA wholesale rate. We will make the conversion and deduct the payment from your account once we receive details of the payment from VISA, at the latest the next working day. Details of the current wholesale market rates can be obtained by calling us on the usual telephone numbers. Cash Machines: There is an ATM transaction fee currently 2% (minimum 1.75, maximum 5.00) for withdrawing cash at cash machines overseas. We will deduct the amount of the transaction fee from your account once we receive details of the payment from the card scheme, at the latest the next working day. Some cash machine operators may apply a direct charge for withdrawals from their cash machines and this will be advised on screen at the time of withdrawal.
12 12 Shops and retailers: There is no transaction fee for using your debit card to pay for goods and services overseas. Our Internet Banking and Telephone Banking services are subject to scheduled maintenance periods. Lines are open 8am to 10pm every day (excluding Christmas Day, Boxing Day and New Year s Day). To help us continually improve our service and in the interests of security, we may monitor and/or record your communications with us. Talkmobile Calls to 4722 are free from your Talkmobile phone, calls to all other HSBC phone numbers are chargeable at the standard rate. Your Talkmobile SIM card will be provided to you by Carphone Warehouse and your contract for the phone and any calls you make will be directly with them. Information about Talkmobile SIM card has been provided by Carphone Warehouse. Handset saving is based on the handset only price in The Carphone Warehouse Phone Guide. Western Union Your Western Union gold!+ card will be provided to you by Western Union and your contract for the card or by otherwise participating in the Programme, will be with them. Information about your Western Union gold!+ card has been provided by Western Union. To benefit from all of the gold!+ cards advantages your card can only be used by you. The 3 discount only applies when you first activate your card. red24 The ReLocate service is provided to you by red24. HSBC are not responsible for information or advice given. Lonely Planet Simply type your discount code PASSPORT25LP into the promo code box on checkout for the discount to be applied. For promotion terms visit cfm#pro1. Promotion is valid on UK deliveries only and excludes postage and packaging. Offer may not be combined with other special offers, discounts, promotions or pre-discounted items. Valid on all print versions and digital chapters, where applicable, except India: Essential Encounters or Australia: 42 Great Landscape Experiences. Offer ends 31 May Regular Saver No withdrawals are allowed during the 12-month term. Please note that Regular Saver accounts are not offered all the time but when they are available HSBC Passport customers are entitled to a preferential rate. For details of whether Regular Saver is presently available, and of the preferential rate, please contact us. If you are a higher rate tax payer you may have to pay the higher rate of income tax on any interest credited to your account. For customers of branches in Jersey, Guernsey and the Isle of Man, all interest is paid gross. However, if you are residing in the EU, credit interest may be subject to a retention tax. As an alternative, you can opt to have your account details reported ultimately to your local tax authority. Your tax situation will depend on your personal circumstances and we recommend you obtain independent tax advice. Any tax information in this leaflet is based on our understanding of current and proposed legislation and practice. The legislation and practice may be subject to change.
13 ! Introduce somebody new to HSBC Passport and get 10 each HSBC Passport making Banking in the UK easier Offer valid until 31 December See over page for details...
14 ! How to get 10 each for you and someone new to HSBC Passport: } You (the introducer) Cut out this page, complete the boxes below and pass it to your colleague, employee, friend or relative. Full Name (Block Capitals) Sort Code Account number } Someone new visit your local branch Return this voucher to us when you open your new HSBC Passport. Full Name (Block Capitals) Sort Code Account Conditions of 10 HSBC Passport offer Existing Customers: 1. This offer applies to those customers who currently hold an HSBC Business Account or HSBC Passport or have held either one in the last 2 years. 2. We will pay you 10 for each person you recommend to us who successfully opens HSBC Passport and presents us with a voucher with your details inserted. 3. There is no limit to the number of people that an existing customer can recommend so long as they are not already customers of HSBC Bank plc. Recommended Customers: 1. The new applicant must take the completed voucher into a HSBC Bank branch in the UK when applying for HSBC Passport. 2. The initial application can be made online but the HSBC Passport will only be deemed opened once the account opening formalities have been completed in a UK branch. 3. HSBC Passport is subject to eligibility and status. 4. We will pay 10 to every recommended person who successfully opens HSBC Passport. General Terms: 1. This Voucher is valid until 31 December The crediting of 10 can take up to three months and will be made electronically direct in to both the existing and recommended customers respective accounts with HSBC Bank. 3. HSBC Bank plc reserves the right to debit the 10 credit from the recommended customer s HSBC Passport Bank Account should they close it prior to the expiry of the initial 12-month HSBC Passport fixed term. 4. Employees of HSBC are not eligible for this offer. 5. HSBC Bank plc reserves the right to amend or vary the terms and conditions of this promotion (including the incentive) or to withdraw it at any time without notice. 6. This offer is not transferable to another person. We will process your information as set out in our General Terms and Conditions and Current Account Terms and Conditions. For Bank Use Only Once completed, please submit FVQ memo TCPMGM Issued by HSBC Bank plc. Registered in England number 14259, Registered Office, 8 Canada Square, London E14 5HQ MCP /12 HSBC Bank plc All Rights Reserved.
15 15 Save time, bank online Internet Banking fast, secure, easy to use, and best of all, lets you manage your money when it suits you. Register today and you can: } Get access to your account 24/7, subject to planned maintenance periods } Pay bills, credit cards and make payments to friends and family easily and securely } Instantly move money between HSBC accounts } View balances and keep track of transactions } Manage your standing orders and Direct Debits } Request a new PIN } Turn off your paper statements Security keeping you safe online As a global bank we are ideally placed to combat the global threats of online fraud. Our fraud teams work 24/7 to protect you. We use both hardware and software encryption to help protect your details. You can help protect your account too: } Always visit our website by typing hsbc.co.uk in your browser bar } Keep your PIN for your Secure Key a secret } Log off when you finish banking online } Keep your PC protection up-to-date. } Enjoy exclusive online promotions. Registering is simple, all you need is: } An open and eligible HSBC current account } Visit hsbc.co.uk and follow the on-screen instructions
16 Welcome to the UK HSBC Passport provides the essentials you need for your move to the UK. Stay in control of your money, stay in touch with home, stay informed and secure. To find out more about HSBC Passport Click hsbc.co.uk/passport Call (Textphone ) or Come in and see us in your local branch. See Important notes on page 10 of this brochure. Issued by HSBC Bank plc Customer information: PO Box 757, Hemel Hempstead, Hertfordshire HP2 4SS MCP /12 HSBC Bank plc All Rights Reserved. AC13480
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
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,
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
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
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
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
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
INTERNATIONAL Helping your money travel around the world International payments travel money and CHAPS Talk to us today Access your money, at home and away Maybe you have family overseas and want to send
ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries About Barclays Wealth At Barclays Wealth we have developed a different approach to financial services. We understand
CASH ACCOUNT Everyday banking 24/7 Cash Account Contents Your Lloyds Bank Cash Account 1 Using your Lloyds Bank Cash Account 2 What s included? 4 Getting more from your card 5 Banking your way 7 Paying
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
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
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
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
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
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.
Banking made easy Effective from 10 November 2014 2 Welcome This guide explains how your account works. It takes you through the ways you may be able to access your account, make payments and keep both
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
City University s Guide to Student Bank Accounts Manage your Mon y City University s Guide to Student Bank Accounts 1 Table of Contents Student Bank Accounts...2 Barclays Student Account...4 Barclays International
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
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 10 November 2014 2 This leaflet applies to Student, Graduate and Gap Year Bank Accounts. The prices and
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
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
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
Fees A guide to personal account fees We re committed to helping you get the most out of your account which includes making you aware of the charges and rates of interest that apply to your account. It
Page 1 of 6 Banking and Savings Accounts Interest Rates For clients who commenced their relationship with Santander Private Banking on or after 31 March 2014 Page 2 of 6 BANKING ACCOUNTS The is a flexible
Savings Interest Rates The information in this leaflet is correct as at 12 August 2016 This leaflet forms an integral part of our Savings brochure. Loyalty Cash ISA HSBC Help to Buy: ISA Flexible Saver
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
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
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
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
Graduate Account With you on your first big break. Help to get you started. Our Graduate Account is designed to give you simple, convenient ways to look after your money and help you make the most of new
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
Welcome to HSBC Premier 2 Welcome to HSBC Premier You ve joined us at just the right time. In the fast-moving, global economy we live in, knowledge and opportunities are becoming more widespread. Remaining
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
Banking and Savings Accounts Interest Rates Page 1 of 5 Page 2 of 5 BANKING ACCOUNTS Gold Account The Gold Account is a flexible bank account that offers easy access to your money and can be held in sterling,
Savings Application form for a savings account Welcome With a NatWest account, you will benefit from a wide range of financial services, specially developed to make managing your finances as easy as possible.
Our personal current accounts Switch to First Trust Bank Ask at any branch 0845 6005 925 Welcome to First Trust Bank We offer you all the benefits you would expect from your bank; a great range of quality
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
International Payments Need to send money abroad securely? Trust us to get it there. Sending money abroad with Lloyds TSB. It s easy and secure. As a Lloyds TSB customer, if you need to send money overseas,
Corporate Charge Card User Guide PLEASE RETAIN THIS FOR YOUR REFERENCE. GUIDANCE ON USING THIS LEAFLET Your Velos Corporate Charge Card can help you simplify the management of business expenses while staying
International Students: Banking information For students whose course extends longer than six months You should aim to open a bank account as soon as possible after arrival in the UK as you will find it
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 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
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
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
Business Banking Business account charges Contents Services you don t pay for 2 Business Tariffs frequently used services 3 How to reduce your transaction charges 5 Charges for one off account services
BANKING CHARGES March 2015 Contents Your guide to our charges 1 Current account fees 2 Overdrafts 5 Our Control Option 9 Examples Unplanned Overdraft Fees 11 Debit card and Cashpoint card charges 13 Other
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
Your LloydsLink online application for Virtual Bank service for Corporate customers only Guidance notes Our new Virtual Bank service can help you streamline your receivables management by giving you fast
Page 1 of 10 Banking and Savings Accounts Interest Rates For clients who commenced their relationship with Santander Private Banking before 31 March 2014 Page 2 of 10 BANKING ACCOUNTS Gold Bank Account
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
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
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
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
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
International Services tariff Contents International Services Sending money abroad 1 International payments 1 International drafts 1 Receiving money from abroad 1 Cut-off times and exchange rates 2 BIC
CLUB LLOYDS PRIVATE BANKING ACCOUNT Everyday banking that fits around you WELCOME TO YOUR NEW CLUB LLOYDS PRIVATE BANKING ACCOUNT Contents Club Lloyds Private Banking Account 1 Current account credit interest
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
UNDER 19s ACCOUNT FEARLESS KNOWING YOUR MONEY IS OFF TO A GREAT START Growing up means taking charge. As you get older, you ll be doing this more and more especially when it comes to money. Our Under 19s
What is the Debenhams Prepaid Card? Debenhams Prepaid Card works in a similar way to a pay as you go mobile phone. You top up what you need, when you need it. You top the card up with money which can be
INTERNATIONAL SERVICES TARIFF Supporting your international business Our service promise. If you experience a problem, we will always try to resolve it as quickly as possible. Please bring it to the attention
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
Banking and Savings Accounts Interest s BANKING ACCOUNTS Gold Account The Gold Account is a flexible bank account that offers easy access to your money and can be held in sterling, euro and US dollar currencies.
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
Fees A guide to personal account fees We re committed to helping you get the most out of your account which includes making you aware of the charges and rates of interest that apply to your account. It
PRICE LIST Club Lloyds Private Banking Account and Flexible Current Account Club Lloyds Private Banking Account and Flexible Current Account This leaflet is a guide to the main fees applying to the Club
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
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 2 Contents
Key Features of the Stockmarket Linked Savings Account and Stockmarket Linked Savings Account ISA This is an important document. You need to read this before you open a Stockmarket Linked Savings Account
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
Key Features of the Funds Portfolio and ISA Funds Portfolio Global Investment Centre This is an important document. You need to read this before you invest in the Funds Portfolio and ISA Funds Portfolio.
FLEXONE Terms and Conditions and How to use your account How this document works This document contains important information to help you understand the key features of the FlexOne account and to understand
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
Interest Rates for Savings and Bank Accounts. Rates apply to accounts held with rates may vary. Reference rates The sterling base rate is the Bank of England Base Rate which is currently %. The US dollar
Personal support for your personal economy. HSBC Premier Account HSBC Premier personal support for your personal economy. Always there, wherever and whenever you need us. Preferential access to accounts