Interest rates and charges. Correct as at 1 January 2014 (unless stated otherwise)

Size: px
Start display at page:

Download "Interest rates and charges. Correct as at 1 January 2014 (unless stated otherwise)"

Transcription

1 rates and charges Correct as at 1 January 2014 (unless stated otherwise)

2 rates and charges The rate and charges information set out below that applies to your product forms part of the terms and conditions that apply to your product. first direct base rate 0.50% 1st Account 1st Account does not pay credit on credit. Overdraft EAR (3) up to 250 0%* 0% over % 15.9% We will calculate overdraft daily on the cleared end of day debit balance on your account and deduct it from your account monthly. Before we deduct any overdraft, we will give you at least 14 days notice of the amount to be deducted. If you are a Northern Ireland customer and you have switched your banking to us you will not be charged overdraft on the entire debit balance of your 1st Account for the first three months, unless your 1st Account is linked to your Offset Mortgage. * this is not applicable for 1st Account customers with a linked Offset Mortgage. Overdraft will be charged at your offset rate for the total amount overdrawn. credit cards gold card representative 16.9% variable Card representative 19.9% variable Classic Card representative 19.9% variable Simple annual rate (4) Purchases Cash Advances gold card % % Card % % Classic Card % % If you already have a card with us, your rate may be different to the one displayed here - please see your credit card statement or contact us to find out your rate. Personal Loan (7) amount 500-2,450 2,500-4,950 5,000-6,950 7,000-15,000 15,050-25,000 representative % 15.9% 13.9% 6.1% 4.7% 5.7% Flexiloan (6) amount % p.a. representative % up to 10, % 18.9% variable

3 Cash ISA - rates correct as at 1 November 2013 Balance Tax Free (2) AER (1) 1-4,999 5,000-9,999 10,000-19,999 20,000-39,999 40,000 and over 1.29% 1.49% 1.69% 1.83% 1.98% 1.30% 1.50% 1.70% 1.85% 2.00% Regular Saver Account Net % p.a. (2) Gross % p.a. (2) AER (1) * per month 4.80% 6.00% 6.00% fixed for 12 months *More than 300 per month can be paid from month 2 onwards if the maximum monthly balance, which starts at 300 in month 1 and increases by 300 each month thereafter, has not been reached. is paid on the first anniversary (365 days later) of account opening. rates quoted are fixed for the duration of the 12 month term. You must continue to hold a first direct 1st Account for as long as you have a Regular Saver Account. Rates effective from 7 March e-savings Account (6) Net % p.a. (2) Gross % p.a. (2) AER (1) 1 and over 0.32% 0.40% 0.40% e-savings Acccount is limited to one per customer. If any withdrawals are made in a calendar month, no credit will be paid for that month. The e-savings Account must be operated online. First Directory A package of benefits for 1st Account holders including Travel Insurance, Roadside Breakdown Assistance, Mobile Phone Insurance, Banking and Leisure benefits. First Directory costs just per month. Customers must take out First Directory for a minimum of 12 months, and you must continue to hold a first direct 1st Account. Fixed Rate Savings For our latest rates please see firstdirect.com or call us on Minimum deposit 2,000.

4 Bonus Savings Account - rates correct as at 18 February 2014 With Bonus Net % p.a. (2) Gross % p.a. (2) AER (1) 1-100,000* 100,000 and over* 0.60% 0.20% 0.75% 0.25% 0.75% 0.25% Without Bonus Net % p.a. (2) Gross % p.a. (2) AER (1) 1-100,000* 100,000 and over* 0.12% 0.12% 0.15% 0.15% 0.15% 0.15% *If you have more than 100,000 in your Bonus Saving Account, we will pay a lower rate on the money above 100,000. For example, if 150,000 is held, in any month where no withdrawal is made, we will pay 0.75% AER / gross on the first 100,000. and 0.25% AER/gross on the 50,000 above 100,000. If no withdrawals are made from the account during a calendar month we will pay the rate with Monthly Bonus. If during a calendar month a withdrawal is made we will pay the rate without Monthly Bonus. All rates quoted are variable. is calculated daily and paid monthly. One sole account per customer. Savings Account Net % p.a. (2) Gross % p.a. (2) AER (1) 100,000 and over 50,000-99,999 5,000-49, , % 0.04% 0.04% 0.04% 0.04%(8) (8) (8) Everyday Savings Account (5) & (6) Net % p.a. (2) Gross % p.a. (2) AER (1) 150,000 and over 50, , , % 0.60% 0.08% 1.00% 0.75% 0.10% 1.00% 0.75% 0.10% Everyday e-saver Account Net % p.a. (2) Gross % p.a. (2) AER (1) 1 and over 0.20% 0.25% 0.25%

5 (1) Annual Equivalent Rate is a notional rate which illustrates what a gross rate would be if was paid and compounded each year. (2) We pay gross credit (that is, the credit paid before the deduction of tax applied to the credit on savings) to customers who registered as non-taxs or non-uk residents and net to all other customers. The net rate is the rate after deduction of basic UK tax applicable to credit currently 20%. Higher s will have an additional liability. This tax rate may change. Tax deducted may be reclaimed by non-taxs. If you are eligible for the payment of gross credit and require a registration form, please telephone (3) Effective Annual Rate. (4) The simple rate is the rate used for calculation purposes. (5) first direct shares service only. For cash held within ISAs pending reinvestment, credit rates are identical to those paid on the Everyday Savings Account. paid on cash held in an ISA will be subject to the ISA flat rate charge deduction of 20% payable to HM Revenue & Customs. (6) Product no longer on sale. (7) The rate offered will depend on personal circumstances, credit assessment procedures and other related factors. (8) This is a nominal rate of which does not ordinarily fluctuate with changes in the Bank of. Mortgage rates correct as at 21 March 2014 Offset Mortgage Standard Variable Rate Standard Variable Rate 3.69% 3.8% 3.69% 3.75% 4.71% 6.33% Offset Base Rate Tracker 65% LTV 2.79% (2.29% Offset Base Rate Tracker Fee Saver 65% LTV 3.19% (2.69% 2.9% 3.2% Offset Base Rate Tracker 75% LTV 3.19% (2.69% 3.3% 2.79% (2.29% 3.19% (2.69% 2.83% 3.54% 4.75% 3.24% 4.06% 5.45% 3.19% (2.69% 3.24% 4.06% 5.45%

6 Offset Base Rate Tracker Fee Saver 75% LTV 3.59% (3.09% 3.6% 3.59% (3.09% 3.65% 4.58% 6.15% Offset 2 Year Tracker 65% 2.49% (1.99% 3.6% 2.49% (1.99% 2.52% 3.16% 4.23% Offset 2 Year Tracker Fee Saver 65% LTV 2.89% (2.39% 3.6% 2.89% (2.39% 2.93% 3.67% 4.92% Offset 2 Year Tracker 75% 2.89% (2.39% 3.7% 2.89% (2.39% 2.93% 3.67% 4.92% Offset 2 Year Tracker Fee Saver 75% LTV 3.29% (2.79% 3.7% 3.29% (2.79% 3.34% 4.19% 5.62%

7 Fixed rate mortgage funds are limited and rates vary according to each offer 2 Rate 65% LTV % 3.7% 2.69% 2.72% 3.41% 4.58% 2 Rate Fee Saver 65% LTV % 3.7% 3.09% 3.13% 3.93% 5.27% 2 Rate Limited Edition 65% LTV % 3.6% 1.99% 2.01% 2.52% 3.37% 2 Rate 75% LTV % 3.7% 2.99% 3.03% 3.80% 5.10% 2 Rate Fee Saver 75% LTV % 3.7% 3.39% 3.44% 4.32% 5.80% 3 Rate 65% LTV % 3.7% 3.09% 3.13% 3.93% 5.27% 3 Rate Fee Saver 65% LTV % 3.7% 3.49% 3.55% 4.45% 5.97%

8 Fixed rate mortgage funds are limited and rates vary according to each offer 3 Rate 75% LTV % 3.7% 3.39% 3.44% 4.32% 5.80% 3 Rate Fee Saver 75% LTV % 3.8% 3.79% 3.86% 4.84% 6.50% (1) Instead of receiving on your savings, your qualifying savings and current account are offset against your outstanding mortgage balance, so you only pay mortgage on the difference between the two. Although you don t earn credit on your savings or current account, as an example you could effectively achieve the same overall benefit as an account paying 3.75% AER and there s no tax to pay on it. Therefore, tax s would have to find a savings account that pays 4.71% AER (or 6.33% AER for s) to achieve the same overall benefit. These figures are based on our variable rate and you could receive a or lower equivalent rate depending on your current mortgage. Linked accounts could include 1st Account, Everyday Savings Account and Savings Account. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up your repayments on your mortgage. is applied to the net debit position after the of all accounts linked with the Offset Mortgage have been aggregated. is not paid on accounts linked with the Offset Mortgage. Linked accounts can include 1st Account, Everyday Savings Account and Savings Account. Fixed rate mortgage funds are limited and rates vary according to each other. You must take out and link a first direct 1st Account as a condition of drawdown of this mortgage. Please contact us for more details.

9 account charges overdrafts - this section on overdrafts is correct as at 1 September 2013 Overdraft Service You can request an overdraft, or an increase to an existing overdraft limit, on your 1st Account (but not on a savings account) by either: increase to an existing overdraft limit before you authorise any payments or withdrawals from your account that, if made by us, would cause your account to go overdrawn or over an existing overdraft limit; or account which, if made by us, would cause your account to go overdrawn or over an existing overdraft limit, without having agreed with us in advance an overdraft or an increase to an existing overdraft limit on your account to cover such a payment. We may charge an overdraft set up fee for setting up an overdraft for you in each situation. Overdraft set up fees Formal overdrafts - no overdraft set up fee First informal overdraft in 6 months free* Subsequent informal overdrafts 25 *No overdraft set up fee is payable if, in the last 6 months, we have not agreed to an informal overdraft request from you. See below for further waivers. Overdraft set up fees are accrued during your monthly statement charging period which is usually the same as your monthly statement period. Overdraft set up fee waivers We will not charge an overdraft set up fee: We will not charge more than one overdraft set up fee a day. Before we deduct overdraft and overdraft set up fees, we will give you at least 14 days notice of the amount to be deducted. Please note that in addition to the above we operate some discretionary policies as to how charges (including overdraft set up fees and overdraft rates) apply to overdrafts. credit card charges Cash Advances -2.99% handling fee, minimum 3.00 (includes cash withdrawals both in the UK and abroad, internal transfers, the purchase of foreign currency, travellers cheques and certain balance transfers, but not gambling transactions) Foreign usage % of the amount of the non-sterling transaction (a foreign currency) will be added as an adjustment to the exchange rate. Non-sterling transactions are converted to Sterling by VISA using wholesale market rates applying on the day conversion is made, usually the date the transaction is applied to your account. You can find out more information by visiting visaeurope.com/en/cardholders/exchange_rates.aspx Balance Transfers - 2.9% of each balance transferred, minimum Late payment fee Over limit fee Unpaid cheques and direct debits

10 Banking Fee You must pay our 10 Banking Fee for each month or part of a month that you hold a 1st Account unless we agree to waive the fee. If applicable, the fee will debit your account monthly in arrears. Banking Fee Waivers You will not have to pay the Banking Fee: - pay into your account* (other than by internal transfer from another first direct account) a minimum of 1,000 or you maintain an average monthly balance on your account* in excess of 1,000 (month means calendar month and we will work out the average monthly balance by adding together the end of day for each day during the month and dividing the sum by the number of days in the month); or - hold a first direct mortgage, credit card, personal loan, savings account (*excludes Regular Saver Account), First Directory, or first direct car or home insurance policy; or account, your joint account will not be considered to be in the same name as your sole account. If you hold more joint accounts, those accounts will not be considered to be in the same name unless all joint account holders are the same); or *Where multiple current accounts are held, accounts will be considered individually in respect of and credits received and will not be aggregated when assessing whether a fee is payable.

11 sharedealing Dealing commission Online trades EUR Telephone Trades online or telephone charge as quoted above. All subsequent online trades (in UK equities only) during that calendar quarter will be subject to the frequent user charge EUR Trading in Irish equities listed on the London Stock Exchange will attract commission in Euros. For specific details see our rates page at firstdirect.com/shares Trading Taxes and levies Stamp Duty - charged on consideration plus commission PTM Levy (per transaction) 0.5% 1.0% 1.00 EUR % 0.12% Ancillary fees The value of shares can go down as well as up. You may not get back the amount you originally invested per line of stock VAT 0.5% (min 50)

12 banking Disputed debit/credit card transaction (no charge if first direct error) - in Sterling - in currency above 100 equivalent on e-savings and Everyday e-saver Account Additional monthly/3 weekly Fortnightly Weekly Daily If you usually receive your statements electronically and you request a paper copy of your statement, you will not incur a charge unless you request more than one paper copy of a statement. Autotransfers (only available to existing Autotransfer customers from 1 November 2007). Cost dependent on your requirements - please ask us for details. Where we refer to free in this document we mean no additional charge applies for this service 7.00 Free if under each each plus any charges made by banks on which foreign drafts are drawn Free Payment types Telephone Banking Post Electronic Fund Transfers SEPA payments - all destinations 4 4 Priority Payments To another HSBC account To non-hsbc accounts These charges will be deducted from your account when you ask for the service. We may make a charge for any enquiries we receive in respect of each payment instruction, whether made by you or another person. We will not charge you if we have made an error. We will advise you of the charge before we start investigations on your behalf. If you provide us with incorrect information, and you ask us to try to recover the payment, we may charge you for this service. We will give you details of our charges before we try to recover the payment. The recipient s bank may also charge you if this happens. For some payments we may also deduct from your account charges made by agents, intermediary banks and the recipient s bank, as agreed with you in the first direct Terms.

13 foreign and travel services 2% of order value (min 3) each each plus any charges made by banks on which foreign drafts are drawn free (Payments up to EUR 50,000 or 500,000 Swedish Krona from a country in the EU will be received free of charge provided the BIC and IBAN numbers are provided with the payment.) Foreign Cheques Foreign currency cheques (other than Euros) drawn on a bank anywhere and paid into your account with us; and Sterling/Euro cheques drawn on a bank abroad and paid into your account with us. The term foreign cheque includes drafts and money/postal orders. Negotiation of a Foreign Cheque We may, at our discretion, credit a foreign cheque to your account without waiting for it to be paid. If the foreign cheque is subsequently returned unpaid, we may deduct the amount credited (or re-converted if converted into another currency) from your account together with a return fee of 10. Collection of a Foreign Cheque If you or we, at our discretion, require confirmation that a foreign cheque has been paid, we will arrange to clear it on a collection basis. This means that the proceeds will be credited to your account only when they have been received by us. If the foreign cheque is returned unpaid, we may deduct a return fee of 10 from your account. The following charges are payable for Sterling and Currency cheques drawn abroad and paid into accounts: % (min 10, max 50) In addition to our fees, any fees charged by our agent and/or correspondent banks and/or the bank on which the foreign cheque is drawn will also be deducted from your account.

14 foreign and travel services Pension cheques Paid into account 2.00 per cheque Currency cut-off times When you make a priority payment or SEPA payment, currency cut off times will apply. The main European currency cut-off times are set out in the table below. If you are making a payment to a country that is not listed, you can call us on the usual numbers to find out if there is a cut-off time and what it is. Currency Currency cut-off time Euro Sterling Czech Republic CZK Denmark DKK Estonia EEK Hungary HUF Iceland ISK Latvia LVL Liechtenstein CHF Lithuania LTL Norway NOK Poland PLN Romania RON Sweden SEK All cut-off times quoted refer to time in London

15 first direct debit card General: Unless you agree that the currency conversion is done at the point of sale or withdrawal and agree the rate at that time, for example with the shopkeeper or on the self-service machine screen, the exchange rate that applies to any non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made. For non-sterling (foreign currency) transactions we will charge a fee of 2.75% of the Sterling amount of the transaction. This fee will now be shown as a separate line on your statement as a Non-Sterling Transaction Fee. Details of the current VISA Payment Scheme Exchange Rates can be obtained by calling us on the following numbers (Text-phone ) or from abroad (Text Relay ). We will deduct the payment and the fee from your account once we receive details of the payment from the card scheme, at the latest, the next working day. Cash Machines: There is a non-sterling cash fee currently 2% (minimum 1.75, maximum 5.00) for non-sterling cash withdrawals at a self-service machine outside the UK, or in the UK where we carry out the currency conversion. First Directory customers do not pay this fee. There is a foreign cash fee currently 2% (minimum 1.75, maximum 5.00) for Sterling cash withdrawals at a self service machine outside the UK. First Directory customers do not pay this fee. Some cash machine operators may apply a direct charge for withdrawals from their self-service machines and this should be advised on screen at the time of withdrawal. Shops and retailers: We will not apply a non-sterling purchase fee when you use your debit card to pay for goods and services outside the UK. HSBC Bank plc All Rights Reserved.

Interest rates and charges. Correct as at 10 November 2014 (unless stated otherwise)

Interest rates and charges. Correct as at 10 November 2014 (unless stated otherwise) rates and charges Correct as at 10 November 2014 (unless stated otherwise) rates and charges The rate and charges information set out below that applies to your product forms part of the terms and conditions

More information

General Price List and Interest Rates

General Price List and Interest Rates 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

More information

Student and Graduate. Price List and Interest Rates. The information in this leaflet is correct as at 10 November 2014

Student and Graduate. Price List and Interest Rates. The information in this leaflet is correct as at 10 November 2014 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

More information

HSBC Premier Price List

HSBC Premier Price List 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

More information

Student and Graduate. Price List and Interest Rates. The information in this leaflet is correct as at 1 July 2014

Student and Graduate. Price List and Interest Rates. The information in this leaflet is correct as at 1 July 2014 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

More information

m&s monthly SavEr Price List NEW FASHIONED BANKING

m&s monthly SavEr Price List NEW FASHIONED BANKING m&s PrEmium current account, m&s PrEmium current account with insurance and m&s monthly SavEr Price List EffEctivE from 17 february 2015 NEW FASHIONED BANKING the prices and information applicable to your

More information

Contents. Page. Page. Charges 2 Payments out of your account 2 Payments into your account 3 Other charges 4

Contents. Page. Page. Charges 2 Payments out of your account 2 Payments into your account 3 Other charges 4 Account Terms and Conditions Effective from 1 October 2015 Contents Charges 2 Payments out of your account 2 Payments into your account 3 Other charges 4 Overdrafts 4 Product Summaries 6 1st Account 6

More information

Rates and Charges. Effective from 6 October 2014

Rates and Charges. Effective from 6 October 2014 Rates and Charges Effective from 6 October 2014 For full details of when and how interest is payable, please refer to your Account Specific Terms and Conditions. Previous interest rates For previous interest

More information

Rates and Charges. Effective from 1 January 2016

Rates and Charges. Effective from 1 January 2016 Rates and Charges Effective from 1 January 2016 For full details of when and how interest is payable, please refer to your Account Specific Terms and Conditions. Previous interest rates For previous interest

More information

smile current accounts account charges

smile current accounts account charges smile current accounts account charges 1 Your guide to the charges on smile current accounts The services, charges and rates detailed are effective from 5 July 2015. We can vary or amend these charges

More information

C o r p o r a te s & I n s t i tu t i o n s F e e s & C h a r g e s

C o r p o r a te s & I n s t i tu t i o n s F e e s & C h a r g e s C o r p o r a te s & I n s t i tu t i o n s F e e s & C h a r g e s Corporates & Institutions Introduction At Danske Bank we have a clear and simple policy; to provide a professional service that s suited

More information

Price list and guide to fees and interest for personal customers. Applies from December 2015

Price list and guide to fees and interest for personal customers. Applies from December 2015 Price list and guide to fees and interest for personal customers Applies from December 2015 At First Trust Bank, it is our policy to provide you with a service that is clear and consistent. To make sure

More information

Account Charges Leaflet

Account Charges Leaflet Account Charges Leaflet Your guide to charges you can expect on your Co-operative Bank Personal Current Accounts and any savings account linked to a Privilege Account, Privilege Premier Account or Current

More information

International Products & Services. Fees, charges and services explained.

International Products & Services. Fees, charges and services explained. International Products & Services Fees, charges and services explained. 2 Introduction At Danske Bank, we offer a comprehensive service to our personal and business customers involved in international

More information

TARIFF & CUT-OFF TIMES - IRELAND

TARIFF & CUT-OFF TIMES - IRELAND TARIFF & CUT-OFF TIMES - IRELAND January 2015 Domestic Outgoing Payments Transfer Type Product at sender Third-party payments Group transfers Account Transfer External Within Danske Bank in Ireland Account

More information

PRICE LIST. Club Lloyds Private Banking Account and Flexible Current Account

PRICE LIST. Club Lloyds Private Banking Account and Flexible Current Account 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

More information

Pricelist. Retail Banking

Pricelist. Retail Banking Pricelist Retail Banking Price list of retail banking Table of Contents: 1. Deposits and savings 3 2. Account access 4 2.1 Debit cards 4 2.2 Online banking 4 2.3 Mobile banking 5 2.4** SMS services 5 2.5

More information

Fees. A guide to personal account fees

Fees. A guide to personal account fees 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

More information

Account Charges Leaflet

Account Charges Leaflet Account Charges Leaflet Your guide to charges you can expect on your Current Account, Current Account Plus, Student Current Account, Privilege and Privilege Premier Current Account The services, charges

More information

INTEREST RATES AND BANKING CHARGES GUIDE. For personal bank accounts with Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited

INTEREST RATES AND BANKING CHARGES GUIDE. For personal bank accounts with Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited INTEREST RATES AND BANKING CHARGES GUIDE For personal bank accounts with Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited Rates correct as at 20 April 2015 Premier International Account

More information

Personal Banking. Terms and Conditions and Charges. Effective from 18 June 2015

Personal Banking. Terms and Conditions and Charges. Effective from 18 June 2015 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

More information

INTERNATIONAL. Helping your money travel around the world. International payments travel money and CHAPS. Talk to us today

INTERNATIONAL. Helping your money travel around the world. International payments travel money and CHAPS. Talk to us today 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

More information

A Guide to Fees and Charges for Personal Accounts

A Guide to Fees and Charges for Personal Accounts A Guide to Fees and Charges for Personal Accounts This document contains important information. Please read carefully and retain for future reference. March 2015 Contents Welcome to AIB page 2 Account

More information

Fees and charges BBVA LONDON BRANCHES

Fees and charges BBVA LONDON BRANCHES Fees and charges BBVA LONDON BRANCHES 1. Current Account s 2. Transfers 3. Other s 4.Credit and Debit Cards 5. Sale and purchase of Securities As of 1 January 2016 www.bbvauk.com Please let us know if

More information

Business Banking Price List As of 18 April 2015

Business Banking Price List As of 18 April 2015 Business Banking Price List As of 18 April 2015 Introduction This Business Banking Price List sets out the prices we charge business customers for our account and other business services in the UK, Channel

More information

International Business Price List

International Business Price List International Business Price List Prices correct as at 28 June 2014 Introduction This International Business Price List sets out the prices we charge for international transactions and our most frequently

More information

List of fees. List of fees. Fees in effect as of 27/07/2016 (subject to modification)

List of fees. List of fees. Fees in effect as of 27/07/2016 (subject to modification) List of fees List of fees Fees in effect as of 27/07/2016 (subject to modification) Applicable to accounts Hello bank! for private use (For individuals) List of fees 2 Summary 1 I. CURRENT ACCOUNT... 3

More information

Personal & Private Current Account Fees & Interest Rates

Personal & Private Current Account Fees & Interest Rates Personal & Private Current Account Fees & Interest Rates Here for you Here for you Contents Page 1. Introduction 4 2. Monthly account fees 5 3. Interest we pay you 6 4. Arranged overdraft interest 7 5.

More information

M&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 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 information

KBC Current Account Fees & Charges Booklet

KBC Current Account Fees & Charges Booklet KBC Current Account Fees & Charges Booklet KBC Bank Ireland plc is registered in the Republic of Ireland. The registered number is 40537 and registered office is Sandwith Street, Dublin 2. KBC Bank Ireland

More information

Danske Bank - Personal Customers Payment Table. www.danskebank.co.uk

Danske Bank - Personal Customers Payment Table. www.danskebank.co.uk - Personal Customers Payment Table www.danskebank.co.uk Payment Table Personal current accounts and Personal savings accounts EFFECTIVE FROM 15 SEPTEMBER 2015 Payment Table Personal current accounts and

More information

Fees. A guide to personal account fees

Fees. A guide to personal account fees 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

More information

A Guide to Personal Accounts Fees and Interest

A Guide to Personal Accounts Fees and Interest A Guide to Personal Accounts Fees and Interest Current Accounts Savings and Deposit Accounts What s in this brochure? Page 1. Plain speaking glossary of terms 3 2. Services you don t pay for 4 3. Changes

More information

KBC Current Account Fees & Charges Booklet

KBC Current Account Fees & Charges Booklet KBC Current Account Fees & Charges Booklet Handy ways to save on bank fees: Avoid the ATM, your KBC Debit Card does not charge for debit card purchases, and with free cashback* in stores,you can get cash

More information

INTERNATIONAL SERVICES TARIFF

INTERNATIONAL SERVICES TARIFF 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

More information

Business Banking Price List

Business Banking Price List Business Banking Price List The information in this leaflet is correct as at 17 February 2014 (unless our customer notice to you stated otherwise). Introduction This Business Banking Price List sets out

More information

Banking terms and conditions

Banking 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 information

Account Specific Terms and Conditions. Effective from 15 May 2015

Account Specific Terms and Conditions. Effective from 15 May 2015 Account Specific Terms and Conditions Effective from 15 May 2015 1 Account Specific Terms and Conditions contents Citigold Current Account pages 3-4 Citi Plus Current Account pages 5-6 Citi Access Account

More information

Schedule of International Transaction Charges. This document contains important information. Please read carefully and retain for future reference.

Schedule of International Transaction Charges. This document contains important information. Please read carefully and retain for future reference. Schedule of International Transaction s This document contains important information. Please read carefully and retain for future reference. June 2014 Contents Bureau de Change page 2 Card Transactions

More information

A Guide to Personal Accounts Fees and Interest

A Guide to Personal Accounts Fees and Interest A Guide to Personal Accounts Fees and Interest Current Accounts Savings and Deposit Accounts What s in this brochure? Page 1. Plain speaking glossary of terms 3 2. Services you don t pay for 4 3. Changes

More information

Accurate cheque writing When writing or accepting a cheque, ensure that all details are correct to avoid unpaid cheque Charges.

Accurate cheque writing When writing or accepting a cheque, ensure that all details are correct to avoid unpaid cheque Charges. Business Banking Schedule of Charges - Great Britain June 2011 Introduction Bank of Ireland UK offers many free services, but where Charges are applied this fact sheet explains them and how it is possible

More information

HSBC Advance Bank Account. Terms and Conditions

HSBC Advance Bank Account. Terms and Conditions 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

More information

and transfers in foreign currency in Denmark Consumers Effective from 1 January 2015

and transfers in foreign currency in Denmark Consumers Effective from 1 January 2015 This is a translation of an original document in the Danish language. In case of discrepancies, the Danish version prevails. and transfers in foreign currency in Denmark Consumers Effective from 1 January

More information

Fees. A guide to personal account fees

Fees. A guide to personal account fees 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

More information

M&S Banking Terms and Conditions

M&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

Personal Current Account Charges Explained

Personal Current Account Charges Explained Personal Current Account Charges Explained Our Schedule of Charges PostOfficeMoney.co.uk This explanatory brochure applies to all three of our Post Office Money current accounts: Control Account, Standard

More information

A guide to personal accounts fees and interest

A guide to personal accounts fees and interest A guide to personal accounts fees and interest current accounts savings accounts We re committed to helping you get the most out of your account which includes making you aware of the charges and rates

More information

Personal Banking Service. Charges Explained

Personal Banking Service. Charges Explained Personal Banking Service Charges Explained Quarterly Account Charges If you maintain a cleared credit* balance of 2,000 or more on your Current Account during the charging period (see below), the charges

More information

International Services tariff

International Services tariff 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

More information

Wealth and Investment Management Intermediaries. International Business Tariff Gibraltar

Wealth and Investment Management Intermediaries. International Business Tariff Gibraltar Wealth and Investment Management Intermediaries International Business Tariff Gibraltar December 2014 International Business Tariff Gibraltar This tariff is applicable for accounts where the banking relationship

More information

Approved by Management committee of Danske Bank A/S Latvia branch (Meeting No 53/2014 from 10 December 2014) Effective from 01of January 2015

Approved by Management committee of Danske Bank A/S Latvia branch (Meeting No 53/2014 from 10 December 2014) Effective from 01of January 2015 Approved by Management committee of Danske Bank A/S Latvia (Meeting No 53/2014 from 10 December 2014) Effective from 01of January 2015 DANSKE BANK A/S LATVIA BRANCH PRICELIST - FOR PRIVATE CUSTOMERS 1.

More information

Banking Tariff Guide

Banking Tariff Guide Wealth and Investment Management Banking Tariff Guide January 2015 Barclays Private Clients International Limited (Isle of Man) Contents 2 Account charges 3 Day-to-day banking charges General services

More information

A guide to personal accounts fees and interest

A guide to personal accounts fees and interest A guide to personal accounts fees and interest current accounts savings accounts We re committed to helping you get the most out of your account which includes making you aware of the charges and rates

More information

A guide to our Online Saver

A guide to our Online Saver A guide to our Online Saver Stay in control of your savings with easy access to your account online. To manage your savings on the go, simply download our Mobile Banking app and register for the service

More information

ACCOUNT CHARGES. Your account charges explained

ACCOUNT CHARGES. Your account charges explained ACCOUNT CHARGES Your account charges explained September 2013 Account charges To put your business in greater control we d like to fully explain your business banking fees. Here we ll outline how our charges

More information

Club Lloyds Account or Benefits Package

Club Lloyds Account or Benefits Package Club Lloyds Account or Benefits Package Thank you for opening/converting your account with Lloyds Bank plc. Our agreement with you is made up of general conditions (contained in the Personal Banking terms

More information

International Banking. International Banking tariff guide

International Banking. International Banking tariff guide International Banking International Banking tariff guide Barclays Bank PLC May 2015 Contents 2 Service charges Services currently available to new applicants International Banking Service fees in other

More information

Contents. Section 2 - General Terms - General Provisions 33

Contents. Section 2 - General Terms - General Provisions 33 Account Terms and Conditions Effective 10 November 2014 Contents Clause Page Clause Page Contact Information 3 Section 1 - General Terms - Payment Services 3 Part A 3 1. Different types of payment into

More information

Intermediaries Tariff Guide

Intermediaries Tariff Guide Wealth and Investment Management Intermediaries Intermediaries Tariff Guide Barclays Private Clients International Prices correct with effect from March 2015 Contents 4 Barclays Intermediaries tariffs

More information

Personal & Business banking charges

Personal & Business banking charges Personal & Business banking charges 18th March 2015 Banking Charges Personal banking charges Business banking charges At permanent tsb our vision is to offer real value, excellent customer service and

More information

Schedule of fees and charges for business customers

Schedule of fees and charges for business customers Schedule of fees and charges for business customers Effective 23 February 2015 Bank of Ireland is regulated by the Central Bank of Ireland. 37-560RU.35(02/15) Schedule of fees and charges Contents Introduction

More information

General Terms and Conditions Current Accounts Terms and Conditions Savings Accounts Terms and Conditions

General Terms and Conditions Current Accounts Terms and Conditions Savings Accounts Terms and Conditions 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

More information

and transfers in foreign currency in Denmark Corporate Effective from 17 June 2016

and transfers in foreign currency in Denmark Corporate Effective from 17 June 2016 This is a translation of an original document in the Danish language. In case of discrepancies, the Danish version prevails. and transfers in foreign currency in Denmark Corporate Effective from 17 June

More information

Wealth and Investment Management Intermediaries. Intermediaries Tariff Guide

Wealth and Investment Management Intermediaries. Intermediaries Tariff Guide Wealth and Investment Management Intermediaries Intermediaries Tariff Guide Prices correct with effect from March 2015 Contents 3 Barclays Intermediaries tariffs International Business Tariff Sterling

More information

Schedule of fees and charges for personal customers. Effective 19 th November 2012

Schedule of fees and charges for personal customers. Effective 19 th November 2012 Schedule of fees and charges for personal customers Effective 19 th November 2012 Contents Introduction Personal Current Account Second Level Student Current Account Third Level Student Current Account

More information

Fees and charges. Account maintenance, safes, certification and enquiries

Fees and charges. Account maintenance, safes, certification and enquiries Account maintenance, safes, certification and enquiries ANNUAL ACCOUNT MAINTENANCE FEE 1 CERTIFICATION AND ENQUIRIES Including secure e-banking access² 25 EUR Payment enquiries Correspondence sent by post

More information

PRIVATE BANKING PREMIER CURRENT ACCOUNT (INCLUDING CLUB LLOYDS) Guide to charges

PRIVATE BANKING PREMIER CURRENT ACCOUNT (INCLUDING CLUB LLOYDS) Guide to charges PRIVATE BANKING PREMIER CURRENT ACCOUNT (INCLUDING CLUB LLOYDS) Guide to charges This is your guide to the main fees and charges that will apply to all Private Banking Premier accounts including Club Lloyds

More information

Main banking fees as of, 2015

Main banking fees as of, 2015 Main banking fees as of, 2015 CURRENT ACCOUNTS Current accounts EUR 2,50 / quarter Postal charges: - fortnightly or monthly statement of account - weekly statement of account postal charges / mailing 1

More information

Fees for tax reclaims. Fees for partial / complete exemption from taxes. Legal fees³. Other miscellaneous fees

Fees for tax reclaims. Fees for partial / complete exemption from taxes. Legal fees³. Other miscellaneous fees Account maintenance, safes, certification and enquiries ANNUAL ACCOUNT MAINTENANCE FEE 1 SAFE DEPOSIT BOXES Including secure e-banking access² 25 EUR Volume (dm 3 ) annual rental fee before tax + 17% VAT

More information

Managing your monthly charges

Managing your monthly charges MONTHLY PRICEPLAN Managing your monthly charges To put your business in greater control we d like to fully explain your business banking fees With our Monthly PricePlan you can choose a PricePlan that

More information

BANKING CHARGES. March 2015

BANKING CHARGES. March 2015 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

More information

TD Direct Investing. Rates and Charges

TD Direct Investing. Rates and Charges TD Direct Investing Rates and s 2 February 2015 Our Regular Fees Our management and administration fees are regular account charges that cover the ongoing services you receive from TD Direct Investing.

More information

Business Fees and Charges. This document contains important information. Please read carefully and retain for future reference.

Business Fees and Charges. This document contains important information. Please read carefully and retain for future reference. Business Fees and Charges This document contains important information. Please read carefully and retain for future reference. May 2016 Contents Welcome to AIB page 2 Account Fees page 3 Debit Card Use

More information

Your account charges explained.

Your account charges explained. Your account charges explained. To ensure you have everything you need to know about our charges, this brochure has been designed to let you know when and how they will be applied. The charges and tariffs

More information

PRIVATE BANKING PREMIER ACCOUNTS. Guide to charges

PRIVATE BANKING PREMIER ACCOUNTS. Guide to charges PRIVATE BANKING PREMIER ACCOUNTS Guide to charges This is your guide to the main fees and charges for services on your Private Banking Premier account and debit card Rates that apply to your Private Banking

More information

1. Deposit products Current accounts 01 Attorney, Notary escrow account 01 Deposit accounts in CZK 02 Deposit accounts in foreign currency 02

1. Deposit products Current accounts 01 Attorney, Notary escrow account 01 Deposit accounts in CZK 02 Deposit accounts in foreign currency 02 Strana 2 z 5 1. Deposit products Current accounts 01 Attorney, Notary escrow account 01 Deposit accounts in CZK 02 Deposit accounts in foreign currency 02 2. Loan products Base rates 04 Overdraft and short

More information

Current 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 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 information

Clear & Simple. Personal Fees & Charges Explained

Clear & Simple. Personal Fees & Charges Explained Clear & Simple Personal Fees & Charges Explained Find out what you need to know Introduction At Danske Bank we have a clear and simple policy; to provide a professional service that s suited to your individual

More information

Rate Card. Yorkshire Building Society Sharedealing Service

Rate Card. Yorkshire Building Society Sharedealing Service Rate Card Yorkshire Building Society Sharedealing Service Charges Below are details of the commission rates for each transaction, the account administration fees, foreign dealing charges and deposit account

More information

Rate Card. Yorkshire Building Society Sharedealing Service

Rate Card. Yorkshire Building Society Sharedealing Service Rate Card Yorkshire Building Society Sharedealing Service Stocktrade: Rate Card Charges Below are details of the commission rates for each transaction, the account administration fees, foreign dealing

More information

Need to send money abroad securely?

Need to send money abroad securely? 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,

More information

Business Banking Price List As of 30 June 2016

Business Banking Price List As of 30 June 2016 Business Banking Price List As of 30 June 2016 Introduction This Business Banking Price List sets out the prices we charge business customers for our account and other business services in the UK, Channel

More information

How often do you see that?

How 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 information

Savings Interest Rates

Savings Interest Rates Savings Interest Rates Instant Access Savings Account Instant Savings Tracker Account First Home Saver Account Bonus 30 Account Instant Access ISA Direct Saver Telephone Saver Rainbow Savings Account Cash

More information

smile current account Terms and Conditions

smile 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 information

Credit transfer to Customer account with AS "Meridian Trade Bank" EUR, USD free of charge * - 4.1.2. Other countries currency information in the Bank

Credit transfer to Customer account with AS Meridian Trade Bank EUR, USD free of charge * - 4.1.2. Other countries currency information in the Bank Pricelist for individuals residents of Latvia SERVICES 4. TRANSFERS In the Bank PRICE LIST IN EUR Using «MultiNet» 4.1. 4.1.1. Credit transfer to Customer account with EUR, USD free of charge * 4.1.2.

More information

SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES

SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES Credit Union Australia Limited (ABN 44 087 650 959) SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES Prepared 7 January 2016 At CUA, we regularly review our fees to ensure we remain competitive

More information

Asset. Service. Investment Portfolio Service and Portfolio Administration Service Rates and Charges

Asset. Service. Investment Portfolio Service and Portfolio Administration Service Rates and Charges Asset Management Service Investment Portfolio Service and Portfolio Administration Service Rates and Charges Contents Rates and Charges for the Investment Portfolio Service (IPS) 1 Service Charge and Termination

More information

Personal account, service and facility fees.

Personal account, service and facility fees. Personal account, service and facility fees. This brochure contains certain key information required by the Credit Contracts and Consumer Finance Act 2003. 6 June 2015 Account fees. Account fees are charged

More information

International payments Tariff for corporate customers effective from 1 January 2015

International payments Tariff for corporate customers effective from 1 January 2015 International payments Tariff for corporate customers effective from 1 January 2015 About the customer tariff This tariff is applicable to international payment services provided via branches by Nordea

More information

Business Banking. Business account charges

Business Banking. Business account charges Business Banking Business account charges Contents Page Introduction 3 Summary of Business s 4 Start-ups 4 Community Current Account 4 Business Current Account Standard 5-6 Business Plus Account 5-6 Foundation

More information

General Terms and Conditions Current Accounts Terms and Conditions Savings Accounts Terms and Conditions

General Terms and Conditions Current Accounts Terms and Conditions Savings Accounts Terms and Conditions 1 General Terms and Conditions Current Accounts Terms and Conditions Savings Accounts Terms and Conditions Effective from 1 April 2012 (for new customers) 2 General Terms and Conditions Your agreement

More information

ANZ Personal Banking ACCOUNT FEES AND CHARGES

ANZ Personal Banking ACCOUNT FEES AND CHARGES ANZ Personal Banking ACCOUNT FEES AND CHARGES 23.02.2015 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

Updates to your RBS bank account(s)

Updates to your RBS bank account(s) Updates to your RBS bank account(s) Changes to our Terms and Conditions for all (i) current account customers who opened their account before 4 July 2011 and have not been notified of a change to their

More information

Personal current account charges explained

Personal current account charges explained Personal current account s explained Easy, reliable and flexible doh000546 - PCA s explained.indd 1 18/09/2012 09:43 Personal current account s explained Our personal current account is a safe and accessible

More information

Key Features of the Funds Portfolio and ISA Funds Portfolio

Key Features of the Funds Portfolio and ISA Funds Portfolio 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.

More information

Overview of main costs for ING banking products for private persons So you know exactly where you stand

Overview of main costs for ING banking products for private persons So you know exactly where you stand Overview of main costs for ING banking products for private persons So you know exactly where you stand Our costs at a glance Do you want to bank advantageously? Then ING Luxembourg is the right place.

More information

Interest Rates for Savings and Bank Accounts

Interest Rates for Savings and Bank Accounts Interest Rates for Savings and Bank Accounts The accounts referred to in this document are available to clients subject to eligibility. Terms apply. Please speak to your usual contact for further details.

More information

Schedule of fees and charges. for business customers

Schedule of fees and charges. for business customers Schedule of fees and charges for business customers Effective June 2011 Contents Introduction 1 Business current account fees and charges explained 2 Types of fees and charges 2 Notification of fees and

More information