Your RBS Basic Account Visa Debit Card

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1 Your RBS Basic Account Visa Debit Card

2 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 their card before they start using it. If this is a replacement card, please destroy your existing card securely by cutting through the magnetic strip. Check out the features of your Visa Debit card Your Visa Debit card is a convenient way to access the funds in your account when and where you need them. Whether you re popping down to the shops or travelling abroad getting access to your cash is easy. You can use your card to: Pay for goods and services Access cash machines Obtain Cashback Access services such as account information and mini-statements via branch or cash machines Cash machine access Within the UK and Gibraltar, you can make free cash withdrawals (up to your daily withdrawal limit) with your Basic Account Visa Debit card from any NatWest, RBS or Ulster Bank cash machine. In addition you will be able to withdraw cash at cash machines in Tesco stores

3 2 or at any UK Post Office counter. You can also use any of our cash machines to get a balance or mini statement, top up your mobile or change and unlock your card PIN. You will not be able to use your card at other banks cash machines within the UK and Gibraltar. How your card works Your card helps you budget by ensuring every transaction is checked with the bank before it is agreed. Please note, this means your card cannot be used at merchants who are unable to connect to the bank s systems for these checks. Most merchants can, but examples of those who cannot include unattended petrol pumps and some readers on trains, ships or planes. This also means your card is not compatible with the technology needed to make contactless payments. Using your card abroad Your Visa Debit card is accepted at over 29 million retail outlets and 1 million cash machines all over the world. Please note, a charge may apply to use your card abroad please see page 4 for details.

4 3 Purchase Protection If you pay for goods or services with your Visa Debit card and they fail to arrive; or are damaged when you receive them, we could help you get your money back. This may include companies that have gone into administration before you have received the goods or services. If you are unable to agree resolution with the retailer then contact your branch for help. Safety and Security Criminals continually look for new ways to obtain your card or card details including your PIN. Whether banking online or entering your PIN in a public place, you should always be vigilant. We operate a fraud checking service and, if we think someone is trying to use your card fraudulently, we may contact you by phone or SMS or ask the retailer to contact us, to confirm that you are making the purchase. We will never ask you for sensitive information such as your PIN or the 3 digit number on the reverse of your card.

5 4 Debit card charges and foreign transactions Debit card charges Transaction type Charges Sterling cash withdrawals from any UK cash machine (ATM) Sterling cash withdrawals from any Royal Bank of Scotland branch in the UK, the Channel Islands, Isle of Man or Gibraltar Sterling cash withdrawals in the UK in any bank, travel agent, bureau de change or other outlet displaying the Visa logo Purchase of foreign currency or travellers cheques in the UK** Foreign currency withdrawal from any cash machine (ATM) in the UK Cash withdrawals or the purchase of currency or travellers cheques outside the UK Purchases made outside the UK (for example, purchasing goods in a shop) Purchases made anywhere in a foreign currency (for example, online/telephone purchases made in or outside the UK) No charge* We will charge a Foreign Cash Fee of 2% of the value of the transaction (minimum 2, maximum 5). We will also charge a Non-Sterling Transaction Fee of 2.75% of the value of the transaction. If you elect for the transaction to be converted into Sterling at the point of sale or withdrawal, we will not charge a Non-Sterling Transaction Fee, however the transaction handler may charge you a separate fee. We will charge a Foreign Purchase Fee of 2.75% of the value of the transaction (minimum 1). Visa Payment Scheme Exchange Rate Any transaction made in a foreign currency using your Debit card or ATM card is converted by us into Sterling using the Visa Payment Scheme Exchange Rate. To see the up-to-date rates used for Debit cards and ATM cards visit and click on the Cardholders section. Where a charge in the table above is stated as a percentage, this is a percentage of the Sterling transaction amount. *We will not charge you for using your card at an ATM in the UK but other companies may charge a fee. You will be advised on screen about any charges before you withdraw cash. **Standard commission rates apply.

6 If your Visa Debit card is lost or stolen... Call us immediately on: (Minicom ). You can access up to 300 from your account from one of our ATMs if you are an online or telephone banking customer and if you aren t, we ll still give you up to 60 to tide you over these amounts are providing you have the money in your account. As a minimum you must have 20 in your account to use this service. Use your Visa Debit card wherever you see the Visa logo. For more information Talk to us in branch rbs.co.uk/visadebit Customers with hearing and speech impairments can contact us by Minicom number Calls may be recorded. The Royal Bank of Scotland plc. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. Registered in Scotland No CB RBS 06/13

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