Current accounts. Helping you get more from everyday banking

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Current accounts. Helping you get more from everyday banking"

Transcription

1 Current accounts Helping you get more from everyday banking

2 The RBS The RBS Customer Charter Customer Charter Our commitment to you We want to be Britain s most helpful bank. So we started by asking you what you wanted from us. You told us you wanted four things: To make banking easier To help you when you need us To support the communities we live and work in To listen to you In June 2010 we made our commitment public by launching our Customer Charter, a set of 14 promises based on what you told us was most important to you. We also made a commitment to have an independent company assess our performance every six months and to publish the results so you can judge our performance for yourself. We are encouraged by the improvements we have made, and hope that our willingness to be open about where we ve fallen short of our goals will give you confidence in our commitment to seeing these improvements through. To read our Customer Charter, go to rbs.co.uk/ourcharter

3 Contents Our current accounts can help you make more of your money. We have accounts that include travel, leisure and protection benefits if you pay a monthly fee. Or we have basic current accounts that give you the essentials of current account banking. So with our help, you ll find the one that s right for you. Simple, everyday current accounts 4 Select Silver Account and Royalties Gold Account both with benefits included 6 Black Account a private bank account with benefits included 10 Student and Graduate Accounts 12 Our Revolve Account, for under 18s 14 Switching to RBS 15 Overdrafts 17 Debit cards 18 Ways to bank with us 19 Your next steps 21 What happens after you apply? 23 How to apply 27

4 Simple, everyday current accounts Choose a current account that keeps things simple. Basic Account This is our most basic account. It comes with a Visa Debit card that lets you withdraw your money from any RBS, NatWest or Ulster Bank cash machine within the UK and Gibraltar or over the counter at any UK Post Office. You also get lots of practical ways to help manage your account. Visa Debit card withdraw up to 300 a day at RBS, NatWest and Ulster Bank branded cash machines within the UK and Gibraltar. Withdrawals can also be made from any RBS or Post Office branch counter, from any cash machine outside the UK and Gibraltar which displays the Visa logo and from retailers that offer cashback. You can also use your card to make purchases in store and online. (Charges apply for overseas transactions.) UK call centres all our call centres are in the UK. RBS branches we have more than 650 branches in the UK. Award-winning Digital Banking Your Money Direct award for Best Online Banking Provider Text alerts you can receive text alerts about your balance, helping you keep on top of your finances. Access to emergency cash if your card is lost or stolen you can still get access to the money in your account by using our 24-hour Emergency Cash service. If you are an online or telephone banking customer you can withdraw up to 300. If you aren t you can still withdraw up to 60 to tide you over. These amounts are providing you have the money available in your account. As a minimum you must have 25 available to use this service. No overdraft facility there s no arranged overdraft or any other credit available with the Basic Account. No membership fee. 4 To find out more visit rbs.co.uk/currentaccounts

5 Did you know? Our Select Silver and Royalties Gold accounts include travel insurance that has been rated as 5 Star by the independent financial research company, Defaqto. The monthly fee for Select Silver is 8 and for Royalties Gold it s Go to page 6 for more information. Select Account All the essentials to make everyday banking easy for you. You can control your money online or over the phone. You can also apply for an overdraft to help manage your finances and give you that extra flexibility. Visa Debit card you can use your debit card to pay for goods or services in stores or online and to withdraw up to 300 from any cash machine in the UK and abroad that displays the Visa logo. (Charges apply for overseas transactions.) UK call centres all our call centres are in the UK. RBS branches we have more than 650 branches in the UK. Award-winning Digital Banking Your Money Direct award for Best Online Banking Provider Text alerts you can receive text alerts about your balance, helping you keep on top of your finances. Access to emergency cash if your card is lost or stolen you can still get access to the money in your account by using our 24-hour Emergency Cash service. If you are an online or telephone banking customer you can withdraw up to 300. If you aren t you can still withdraw up to 60 to tide you over. These amounts are providing you have the money available in your account. As a minimum you must have 25 available to use this service. No membership fee. Overdraft an overdraft is available to those who meet certain conditions. Over 18s only. Cheque book you can get a cheque book if you d like one. Call or visit your local branch 5

6 Accounts with extra benefits If you want to get a bit more from your account you could be better off with one that has benefits and discounts included as well as the standard features of the Select Account. All designed to help you and to save you money. Select Silver Account 8 a month The Select Silver Account includes insurance cover for you and your possessions, as well as some useful lifestyle benefits. Mobile phone insurance and 5 Star Defaqto rated travel insurance also come included as part of the package. 5 Star Defaqto rated UK and European Travel Insurance annual insurance including winter sports cover covers you and joint account holder for trips up to 22 days in length within the UK and Europe any customer with an existing medical condition must call us for screening you may be required to pay a premium for cover, or we may decide not to cover you for this condition. Persons aged 70 years and over must call us each year in order to obtain cover and will be required to pay an annual premium of 50 per account and be medically screened. Mobile Phone Insurance includes iphone and BlackBerry up to 750 (incl. VAT) for theft, loss or damage covers unauthorised calls up to 1,000 (incl. VAT) for monthly contracts and 100 for pay-as-you-go phones joint accounts will cover one phone per person cover starts 14 days after you register your phone. Identity Theft Assistance fraud prevention and resolution service includes Experian credit report monitoring includes alerts, and personal caseworker for victim support. 6 To find out more visit rbs.co.uk/currentaccounts

7 hmvdigital Music Downloads choose from 13 million tracks download up to five tracks to your device per month hmvdigital terms and conditions apply internet access required. LOVEFiLM DVD Rentals 70,000 movies to choose from rent up to three DVDs or Blu-rays per month two hours entertainment streaming direct to a computer, Internet enabled TV or PS3 LOVEFiLM s terms and conditions apply internet access required. Call or visit your local branch 7

8 Accounts with extra benefits continued Royalties Gold Account a month Our 5 Star Defaqto rated Royalties Gold Account includes a range of money saving benefits, such as travel insurance, mobile phone insurance and car breakdown cover. Our travel insurance has also been rated as 5 Star by Defaqto, the independent financial research company. Tailored rates on fixed rate loans and preferential rates on overdrafts access to a mortgage offer. Mobile Phone Insurance includes iphone and BlackBerry covers handsets up to 1,000 (incl. VAT) covers unauthorised calls up to 1,000 (incl. VAT) for monthly contracts and up to 100 (incl. VAT) for pay-as-you-go phones joint accounts will cover two registered phones this cover starts 14 days after you register your phone. 5 Star Defaqto rated UK and Worldwide Travel Insurance annual insurance including winter sports cover for trips up to 31 days in length covers you, your partner and dependent children under 18 (or under 23 if living at home, and in full-time education) children only covered if travelling with parent insured under the policy any customer with an existing medical condition must call us for screening you may be required to pay a premium for cover, or we may decide not to cover you for this condition. Persons aged 70 years and over must call us each year in order to obtain cover and will be required to pay an annual premium of 50 per account and be medically screened. 8 To find out more visit rbs.co.uk/currentaccounts

9 10% discount on your first year s car insurance subject to minimum premium criteria. Accidental Death Cover up to 15,000 cover for accidental death (split equally between joint account holders) persons aged 70 and over will have their cover reduced by 50%. Identity Theft Protection providing 5,000 worth of cover for expenses incurred by you in defending and restoring your credit status after fraudulent activity, including: a complimentary credit report, online card monitoring, and CIFAS protective registration. 25% cashback on top gigs and live shows bookings of up to six tickets per event book via Royalties Gold Membership Services online or over the phone. Home Emergency Cover pays up to 500 (incl. VAT) for emergency repairs to your home. Green Flag cover UK car breakdown cover including Home Call covers all cars registered to you at your home. Access to our Royalties Saver Account preferential rates for Royalties Gold customers minimum balance 2,000. Call or visit your local branch 9

10 Black Account If you are a Private Banking customer you may also like to consider our Black Account. This is our premium account with our highest levels of travel, protection and leisure benefits. Black Account 24 a month A wealth of attractive benefits come with our 5 Star Premier Defaqto rated Black Account. Some make your life easier, some help you enjoy it more, and all of them could save you money. Travel 5 Star Defaqto rated UK and Worldwide Travel Insurance annual cover for trips of up to 90 days covers you, your partner and any dependent children under 18 years or under 23 if living at home, and in full time education any customer with an existing medical condition must call us for screening you may be required to pay a premium for cover, or we may decide not to cover you for this condition. Worldwide Airport Lounge Access access to 560 VIP airport lounges worldwide for joint accounts both parties must register to use this benefit. Black Travel Service save 10% on travel, including holidays, flights and accommodation, when booking through the Black Travel Service. Leisure Black Tickets Service 25% cashback on bookings of up to six tickets on concerts, theatre shows, musicals, operas and sporting events throughout the UK and Ireland can be used up to four times a year. 24/7 Black Concierge Service can help you organise everything from car hire to booking a table at your favourite restaurant. 10 For more details of our Black Account visit your local branch

11 Protection Home Emergency Service up to 750 cover (incl. VAT) for emergency call out and repairs covers both your main and second homes in the UK does not apply to rented properties you own. Mobile Phone Insurance includes iphone, BlackBerry and other handsets worth up to 1,250 (incl. VAT) covers unauthorised calls up to 2,500 (incl. VAT) for monthly contracts and up to 100 (incl. VAT) for pay-as-you-go phones, covers loss, theft, damage and unauthorised calls, for up to four registered phones this cover starts seven days after you register your phone. Green Flag cover car breakdown cover anywhere in Europe, including Home Call covers all cars registered to you at your home cover outside the UK will not apply to vehicles over 10 years old. Identity Theft Assistance fraud prevention and resolution service includes Experian credit report monitoring online data patrol of personal details and a personal caseworker for victim support. Card Protection protects all your lost and stolen cards covers you against unauthorised use up to 20,000 per account holder. Private Black Credit Card To add to the privileges of a Black Account, you can also apply for our Private Black Credit Card. It comes with all the standard benefits of a credit card, and is also our highest earning YourPoints card. All for no additional fee. Representative 14.9% APR (variable) Benefits of Private Black Credit Card Access to our YourPoints rewards programme get 1.25 points for every 1 you spend on qualifying transactions with your card redeem these at Harvey Nichols, Boots, Marks & Spencer and more. Offers and opportunities our range of inspiring opportunities is carefully chosen to appeal to Private Black Credit Card customers. From time to time, we ll invite you to events like champagne receptions, private gallery viewings and designer shopping evenings. Or call us on

12 Student and Graduate Accounts To help you manage life and study at university and beyond, we ve created two current accounts one for when you re studying, the other for when you ve graduated. Student Account We ve created our Student Account to make it easier for you to manage your money. And you can manage your account online or from your mobile phone, when you can t get to a branch. You ll need to have your permanent home in the UK and be on a fulltime undergraduate higher education course that lasts for two years or more, or a full-time postgraduate course. You get an interest-free overdraft of up to 1,000 in your first year, increasing to up to 2,000 in your fifth year. We apply your overdraft limit gradually in the first year, i.e. up to 500 first term, up to 750 second term and up to 1,000 third term. To get an interest-free overdraft you ll need to be 18 or over and use the account as your main account. You ll need to make at least three withdrawals every month and make at least one payment to the account every three months. If you don t we could decide to remove your interest-free overdraft. You must pay off the full overdraft if we ask you to. We give you a Visa Debit card which you can use at home and abroad. There are charges for your card abroad. Visit rbs.co.uk/debitcards for more information. You can manage your account over the phone or online and check your balance and statements on your mobile phone. You can top-up mobile phones from any of our cash machines. Your RBS Student Account must be used as your main bank account, receiving regular deposits. 12 To find out more visit rbs.co.uk/currentaccounts

13 Did you know? If you re opening a Student Account, you could apply for our Student Credit Card as well. Visit rbs.co.uk/students for more information. Graduate Account If you ve left university, our Graduate Account can help you look after your money while you wait for your first payslip. The overdraft you get helps you move gradually from an interest-free overdraft to one that charges interest. For the first year you won t have to pay interest on any arranged overdraft of up to 2,000. From year two the amount you get interest-free gradually reduces, so that you start to pay interest on any amount over the interest-free limit. If you graduate before 1 January 2013, the following interest free limits will apply. Year Overdraft available Interest-free limit 1 Up to 2,000 2,000 2 Up to 2,000 1,500 3 Up to 2,000 1,000 To apply for an overdraft you must be 18 or over. You must pay off the full overdraft if we ask you to. After 1 January 2013, our Graduate Account changes. If you graduate after this date the following interest-free limits will apply. Year Overdraft available Interest-free limit 1 2,000 2, ,000 1,000 We give you a Visa Debit card which you can use at home and abroad. There are charges for using your card abroad. Visit rbs.co.uk/debitcards for more information. Call or visit your local branch 13

14 Our Revolve Account, for under 18s If you re between 11 and 18, open your own Revolve Account and earn interest on everything you pay in. And you can design your own debit card too, so it s unique. Your cash and card Get your own debit card to use online and in shops. For just 5 you can decorate your card with your own photo or artwork. See how yours could look at rbs.co.uk/revolve You can take cash out of your Revolve Account whenever you need it. When money is in you account, it s earning you interest. Your tips and rewards Go to the Revolve website to find lots of tips about looking after your money. You can also earn extra money by signing up to answer questions and share your views it s that easy. We also offer money off at some top stores. 14 To find out more visit rbs.co.uk/revolve

15 Switching banks If you think one of the accounts we ve introduced you to here would suit you better than the one you already have, you can switch your current account to us. To make the most of your account you can switch all your income, standing orders and Direct Debits to us. We have a Switcher Service that will take care of everything for you. Or, if you d prefer, we ll set out what you need to do and you can sort it out for yourself. How our Switcher Service works Sign a simple switching form when you open your new account and we will: Transfer all your standing orders and Direct Debits to your new account. Ask your existing bank to cancel all payments. Provide you with letters detailing your new RBS account details to send to all the people or organisations who pay money into your account. Ask your existing bank to close your account and transfer your money over. Transfer any savings accounts you may have elsewhere it makes things easier if you have your accounts in one place. What we ask you to do is pass on the letters we give you to those who pay money into your account (e.g your employer, pension or child benefit provider), and return all cheque books and debit cards to your existing bank. Call or visit your local branch 15

16 How to switch accounts yourself If you don t want to use our Switcher Service we ve pulled together a handy checklist of things that you need to think about when switching your account over. 1. Redirect your income to your new account by completing a credit re-direction letter (we can provide an example of this for you). 2. Get a list of all the regular payments (standing orders and Direct Debits) from your old bank. 3. Contact the companies you have Direct Debits with and ask them to take those payments from your new RBS account. Information about switching Direct Debits should be available on their websites, or you could give them a call. It s worthwhile taking a note of when these will be set up from. 4. Cancel all your standing orders with your old bank and set them up on your new account. This can usually be done online, in branch or over the phone. It can take a few days, so make sure you do it well in advance of the first payment date. 5. Once you re comfortable that all standing orders and Direct Debits have been switched over, you can close your old account. 16 To find out more visit rbs.co.uk/currentaccounts

17 Overdrafts If you need extra money an overdraft could help. And, as long as you arrange it with us first, it will protect you from fees and charges for unarranged borrowing. Once you ve applied, and we ve taken your circumstances into account, we can agree your overdraft limit. What else do you need to know? To apply for an overdraft, you must be 18 or over and have a Select, Select Silver, Royalties Gold or Black Account. Overdraft rates can change. You can talk to us about reducing your overdraft limit or increasing it at any point. You must pay off the overdraft when we ask you. Please note that even if you do not have an arranged overdraft on your account, if your account goes into an unarranged overdraft position, you will normally have to pay a Returned Item Fee of 6 for any transactions declined by us and/or an Unarranged Overdraft Fee of 6 per day for unarranged overdrafts greater than 6. An unarranged overdraft is created when your account becomes overdrawn without prior arrangement or any arranged overdraft limit is exceeded. Please refer to our leaflet RBS Personal & Private Current Account Terms and Conditions for further details. Call or visit your local branch 17

18 Debit cards With all our current accounts you ll get a Visa Debit card. You can use this for your everyday purchases, no matter how small, in the UK or abroad. Use your card to pay for goods and services in shops, online and over the phone. There is a charge for using your debit card abroad. For more information, visit rbs.co.uk/debitcards or go to your local branch. When you use your Visa Debit card to pay for things abroad, we ll convert the amount you spend into Sterling using the current exchange rate before we take money from your account. Each time you use your card you will also have to pay an Exchange Rate Transaction Fee of 2.75% of the amount you ve spent plus a charge of Shop safely online with RBS Secure. Once you ve registered, whenever you shop online you ll be asked to enter a password to approve the payment. This helps to prevent fraud on your account. If you buy something using your Visa Debit card and it s not delivered or is damaged, we could help you to get your money back. You ll need to contact the retailer first. But if they can t help, contact us straight away. Save time queuing to withdraw money and get cashback at thousands of UK shops. There s no charge for getting cashback. Get cash when you re abroad from over one million Visa cash machines worldwide. There is a charge for this service. For more information visit rbs.co.uk/debitcards or ask in one of our branches. If your debit card is ever lost or stolen you can still get access to the money in your account by using our 24-hour Emergency Cash service. If you are an online or telephone banking customer you can withdraw up to 300. If you aren t you can still withdraw up to 60 to tide you over. These amounts are providing you have the money available in your account. As a minimum you must have 25 available to use this service. 18 To find out more visit rbs.co.uk/debitcards or visit your local branch

19 Ways to bank with us Like everything in life, one way of banking that suits one person might not be right for another. So wouldn t it be better if you could choose how to bank with us? We think so. That s why we give you all the options and leave the decision to you. So what are the options? Digital Banking Manage your money, whenever and wherever you like with Digital Banking. Get up-to-the-minute balances and mini-statements. See your statements online going back up to seven years. Make instant transfers between your RBS accounts, pay bills and make payments to other people. Keeping you safe Our market-leading Rapport software helps protect your online banking log-in details, keeping your identity safe. For more information visit rbs.co.uk/rapport 24-hour UK-based Telephone Banking As part of our Customer Charter commitment to become Britain s most Helpful Bank, all our 24-hour telephone banking centres are based in the UK and we aim to answer calls in less than a minute. Plus, we ll always give you the option to speak to a real person. You can: check your balance and review transactions transfer money instantly pay bills and order foreign currency set up or amend standing orders. And once you re registered for telephone banking you re all set up to use Digital Banking too. To find out more visit rbs.co.uk/waystobank or visit your local branch 19

20 Mobile Banking You can use mobile banking on almost all mobile phones. Just check that your phone can support Java, can connect to the internet using WAP or 3G and has at least 64 kilobytes of free memory. Standard network message rates apply when using the service and extra network charges can apply when you use the service abroad. It s important to check this with your network provider. For more information go to rbs.co.uk/mobile New mobile iphone app With our new and improved iphone app you can do your banking on the move. The app lets you see all your RBS account balances and mini statements, as well as transfer money between your RBS accounts. There s a handy cash machine and branch locator too. You need to be a Digital Banking customer to use the app. To find out more, visit rbs.co.uk/iphone Standard data download charges may apply. Contact your network operator for details. 20 To find out more visit rbs.co.uk/waystobank or visit your local branch

21 Your next steps Do you need more information on our current accounts? If you d like more information, you can go online, or speak to someone in branch, or over the phone. You can also read all our terms and conditions in our RBS Personal & Private Current Account Terms, Personal & Private Current Account Fees & Interest Rates and Helping you get the most from your Personal & Private RBS Current Account. leaflets. You can get these from our branches or online at rbs.co.uk/currentaccounts Ready to apply? Know what you want to get out of your current account? Decided which type of account will be best for you? Then go to the next page to see how to contact us and apply. What we ll need Along with a filled-in application for the account you want to open, you ll need to give us proof of your identity. We will accept any one of these: A current signed passport. If you are not an EU National, a passport with a valid Visa. EU National ID card. A UK Armed Forces ID card. A current full UK driving licence (if you re over 17). A benefit book or an original notification letter from the Benefits Agency (including Department for Work and Pensions). A letter from HM Revenue & Customs. For students, a current student ID or matriculation card from a recognised university or college. For under 18s, a UK birth certificate or adoption certificate. Call or visit your local branch 21

22 We will also need an original of one of the following as proof of your address: A gas, electricity or phone bill (not for a mobile phone) you ve received in the last six months. A council tax bill that is less than 12 months old. A bank or building society statement issued within the last six months. For students, a UCAS letter or an acceptance letter from a university or college. If you haven t got any of these items, we might be able to accept something else. Visit us in branch for more information. For an overdraft we also need either of the following: Your last three months bank statements; or Proof of your income, such as your last three payslips. 22 Call or visit your local branch

23 What happens after you apply? As soon as we receive and process your application we ll open your account. Within 10 days of opening your account you ll receive your debit card and Personal Identification Number (PIN). For security we ll send these to you separately. It s important to activate your card so make sure you do this as soon as your card arrives. You ll also receive a welcome pack which contains everything you ll need to know about your new account. Your welcome pack will provide you with details on how to set up digital and telephone banking. If you have opened a Select Silver Account, Royalties Gold Account or Black Account your welcome pack will also contain details of how to register for all the benefits associated with these accounts. You could also move any existing Direct Debits and income payments to your new account. If you are using our Switcher Service we ll begin to move over your existing Direct Debits and keep you informed on how it s going. We ll also be in touch over the next few months to check on how things are going and help you make the most of your account. 23

24 Notes 24

25 Notes 25

26 Notes 26

27 How to apply Now we ve explained what you need to open your current account, this is what to do next: Talk to us at your nearest RBS branch or go to rbs.co.uk/currentaccounts and apply online. Or you can call us on the following numbers. Calls may be recorded. General enquiries and more information on Visa Debit cards or how to switch banks (except Black Account) Phone (Minicom ) 8am to 8pm Monday to Friday, 9am to 5pm Saturdays and 10am to 4pm Sundays. Black Account enquiries Call us on hours a day, 7 days a week. 27

28 Other useful numbers If you re interested in our current accounts, why not also see if you d be better off with one of our loans, mortgages or savings accounts? Here s how to find out more: You can speak to someone in your local branch or visit rbs.co.uk Alternatively call us on the following numbers. Calls may be recorded. Savings accounts Call am to 8pm Monday to Friday, 9am to 5pm Saturdays and 10am to 4pm Sundays. Mortgages Call am to 8pm Monday to Friday, 9am to 4pm Saturdays. Loans Call am to 8pm Monday to Friday, 9am to 6pm Saturdays. Customers with hearing and speech difficulties can contact us by Minicom iphone and itunes are trademarks of Apple Inc. BlackBerry is a trademark of Research in Motion Ltd. Credit facilities over 18s only. Calls may be recorded. The Royal Bank of Scotland plc. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. 28 Registered in Scotland No To find out more visit rbs.co.uk/currentaccounts RBS July 2011

Current accounts. Helping you get more from everyday banking

Current accounts. Helping you get more from everyday banking Current accounts Helping you get more from everyday banking To find out more visit natwest.com/currentaccounts or call 0800 200 400 or visit your local branch 1 The NatWest Customer Charter Our commitment

More information

Select Silver Account. The essential guide to your new account

Select Silver Account. The essential guide to your new account Select Silver Account The essential guide to your new account The RBS Customer Charter Renewing our commitments to you We want to become Britain s most Helpful Bank. That s why we launched our Customer

More information

Select Account. The essential guide to your new account

Select Account. The essential guide to your new account Select Account The essential guide to your new account 2 Welcome to your Select Account Your new account gives you the convenience of being able to withdraw money from any cash machine in the UK, as well

More information

Enjoy the privileges of your Black Account. Our guide to help you

Enjoy the privileges of your Black Account. Our guide to help you Enjoy the privileges of your Black Account Our guide to help you 2 Discover just how much your Black Account can do for you Your new Black Account has more to offer you than an ordinary current account.

More information

Current Accounts. Banking that gives you more for your money

Current Accounts. Banking that gives you more for your money Current Accounts Banking that gives you more for your money Contents 1 Service for all 2 At-a-glance 5 No-nonsense 6 Make the most of it 7 Extra special 9 Something for everyone 10 Opening your new account

More information

I want more from my bank. Advantage Gold Account

I want more from my bank. Advantage Gold Account I want more from my bank Advantage Gold Account You can get more with Advantage Gold Introduction When you want to get a bit more out of life, Advantage Gold is the bank account that could help make it

More information

Classic Account. With you when you want a good all rounder.

Classic Account. With you when you want a good all rounder. 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

More information

Your RBS Basic Account Visa Debit Card

Your RBS Basic Account Visa Debit Card Your RBS Basic Account Visa Debit Card 1 Welcome to your RBS Basic Account Visa Debit Card You can start using your new card immediately. However, for security reasons some card users may need to activate

More information

Student Account A guide to benefits. All you need to be Uniproof

Student Account A guide to benefits. All you need to be Uniproof Student Account A guide to benefits All you need to be Uniproof Everything you need to know about your new account Your Student Account comes with a host of features and benefits, some you get automatically

More information

Classic Account. With you when you want a good all rounder.

Classic Account. With you when you want a good all rounder. 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

More information

Current Accounts. All you need to make everyday banking easier

Current Accounts. All you need to make everyday banking easier Current Accounts All you need to make everyday banking easier 2 Welcome We can help you manage your everyday banking easily in many different ways. We have a number of current accounts and credit cards

More information

Your NatWest Visa Debit Card with contactless

Your NatWest Visa Debit Card with contactless Your NatWest Visa Debit Card with contactless Your new debit card has arrived Your Visa Debit card is a handy way to pay whether you re popping down to the shops or travelling abroad. Use your Visa Debit

More information

Basic Current Account Information and Specific Conditions

Basic Current Account Information and Specific Conditions 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

More information

Your RBS Visa Debit Card

Your RBS Visa Debit Card Your RBS Visa Debit Card 01 Welcome to your RBS 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

More information

Cash Account. Looking after your money, everyday.

Cash Account. Looking after your money, everyday. Cash Account Looking after your money, everyday. Contents. Our Bank of Scotland Cash Account 2 What s not included? 3 Using our Bank of Scotland Cash Account 4 Getting more from your Visa debit card 5

More information

The NatWest Alerts Service. Keep yourself updated, anywhere, anytime.

The NatWest Alerts Service. Keep yourself updated, anywhere, anytime. The NatWest Alerts Service Keep yourself updated, anywhere, anytime. 2 1 National Westminster Bank Plc, 135 Bishopsgate, London EC2M 3UR. Registered number: 929027, England. NWB7933 07/06/2011 If you already

More information

CLASSIC ACCOUNT PLAY I VE GOT THE CONFIDENCE TO DO WHAT I WANT

CLASSIC ACCOUNT PLAY I VE GOT THE CONFIDENCE TO DO WHAT I WANT CLASSIC ACCOUNT PLAY I VE GOT THE CONFIDENCE TO DO WHAT I WANT Classic Account Contents Welcome 1 Your Lloyds Bank Visa debit card 2 Ways to bank 4 Money Manager 8 Moving your money 10 Using cheques 12

More information

STUDENT ACCOUNT KICKED GETTING SET FOR YOUR NEWEST ADVENTURE

STUDENT ACCOUNT KICKED GETTING SET FOR YOUR NEWEST ADVENTURE STUDENT ACCOUNT KICKED GETTING SET FOR YOUR NEWEST ADVENTURE A bold step into the unknown. A time and place for you to discover your freedom, your independence and yourself. With our Student Account, managing

More information

Cash Account Cash Account

Cash Account Cash Account 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

More information

Graduate Account. With you on your first big break.

Graduate Account. With you on your first big break. 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

More information

I want more. from my bank. Advantage Gold Account. This pocket contains your: Advantage Gold Insurance Leaflet

I want more. from my bank. Advantage Gold Account. This pocket contains your: Advantage Gold Insurance Leaflet I want more from my bank This pocket contains your: Advantage Gold Insurance Leaflet Advantage Gold Account National Westminster Bank Plc 135 Bishopsgate London EC2M 3UR NWB 1081 April 2008 You can get

More information

Welcome to your Business Debit Card

Welcome to your Business Debit Card Help for what matters Welcome to your Business Debit Card Start using your new Business Debit card today This leaflet explains the features and benefits of your new Business Debit card. Please take a few

More information

Overdrafts explained. A guide to our overdraft charges and how to avoid them

Overdrafts explained. A guide to our overdraft charges and how to avoid them Overdrafts explained guide to our overdraft charges and how to avoid them Overdrafts explained Contents We ve put together this guide to explain the different kinds of overdrafts and show you the fees

More information

Yes, your card will expire at a given date, which is printed on the front of your card.

Yes, your card will expire at a given date, which is printed on the front of your card. 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

More information

HALIFAX CASH ISA. Conditions and information

HALIFAX CASH ISA. Conditions and information 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

More information

Getting started. Introducing your account

Getting started. Introducing your account 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,

More information

Our personal current accounts. Switch to First Trust Bank. Ask at any branch 0845 6005 925

Our personal current accounts. Switch to First Trust Bank. Ask at any branch 0845 6005 925 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

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

Current Account Conditions and AccounT Information.

Current Account Conditions and AccounT Information. Current Account Conditions and AccounT Information. If you open an account with us it will be with Yorkshire Building Society (trading as Norwich & Peterborough Building Society, Norwich & Peterborough

More information

Current Accounts. All you need to make everyday banking easier

Current Accounts. All you need to make everyday banking easier Current Accounts All you need to make everyday banking easier 2 Welcome Ulster Bank can help you manage your everyday banking easily in many different ways. We have a number of current accounts and credit

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

CLUB LLOYDS DELIGHT THE BENEFITS OF BELONGING TO CLUB LLOYDS

CLUB LLOYDS DELIGHT THE BENEFITS OF BELONGING TO CLUB LLOYDS CLUB LLOYDS DELIGHT THE BENEFITS OF BELONGING TO CLUB LLOYDS Club Lloyds Contents Welcome to Club Lloyds 1 Your Club Lloyds benefits Current account credit interest 2 Banking Offers 4 Lifestyle Benefits

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

Opening a bank account in Oxford A guide for European and International Students

Opening a bank account in Oxford A guide for European and International Students Opening a bank account in Oxford A guide for European and International Students (last updated 8 September 2011) Information about UK Bank accounts UK banks are keen to offer services to European and International

More information

Opening a bank account in Oxford A guide for European and International Students

Opening a bank account in Oxford A guide for European and International Students Opening a bank account in Oxford A guide for European and International Students (last updated 28 September 2011) Information about UK Bank accounts UK banks are keen to offer services to European and

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

Get your money off to a good start.

Get your money off to a good start. Under 19s Account Get your money off to a good start. Our current account for 11 18 year olds. What s where in this guide. Contents. Our Under 19s Account at a glance 2 All you need to make banking easy

More information

CASH ACCOUNT. Everyday banking 24/7

CASH ACCOUNT. Everyday banking 24/7 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

More information

BANK ACCOUNTS HOW MUCH DO YOU KNOW?

BANK ACCOUNTS HOW MUCH DO YOU KNOW? BANK ACCOUNTS HOW MUCH DO YOU KNOW? DEVELOPING HOMES AND CREATING OPPORTUNITIES FOR PEOPLE WITHIN WEST NORFOLK CONTENTS 7 Simple Steps to Open an Account Page 05 Are you ready for Universal Credit? Page

More information

Current Accounts Introducing control

Current Accounts Introducing control Current Accounts Introducing control Helping you keep your finances on track Manage your money easily If you don t want to use an Unplanned Overdraft, we can help. We ve designed an add-on for the Classic

More information

waterloo Exclusively for residents of Waterloo Housing Group Your guide to great savings on your shopping

waterloo Exclusively for residents of Waterloo Housing Group Your guide to great savings on your shopping waterloo rewards Exclusively for residents of Waterloo Housing Group Your guide to great savings on your shopping Powered by 2 3 Helping you to shop, not drop My Waterloo Rewards is a special savings and

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

Business Banking Reference Guide. The Works: Getting the most from your Business Account

Business Banking Reference Guide. The Works: Getting the most from your Business Account Business Banking Reference Guide The Works: Getting the most from your Business Account Business Banking Reference Guide Contents Your transaction tools and records 03 Types of transactions 09 Visa debit

More information

Current Accounts User Guide. Information to help you make the most of your current account.

Current Accounts User Guide. Information to help you make the most of your current account. Current Accounts User Guide Information to help you make the most of your current account. Current Accounts User Guide Contents What to expect 04 If you ve just opened an account 04 If you ve just opened

More information

City University s Guide to Student Bank Accounts. Manage your Mon y

City University s Guide to Student Bank Accounts. Manage your Mon y 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

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

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

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

ACCESSING YOUR MONEY OVERSEAS.

ACCESSING YOUR MONEY OVERSEAS. ACCESSING YOUR MONEY OVERSEAS. ACCESSING YOUR MONEY, ANYTIME, ANYWHERE No matter where you re going, you ll need easy, secure access to your money. Travel Money Card A prepaid MasterCard that lets you

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

Platinum Account. A guide to all your Platinum Account benefits.

Platinum Account. A guide to all your Platinum Account benefits. Platinum Account A guide to all your Platinum Account benefits. Discover how much more you get with your Platinum Account. Contents. Your Bank of Scotland Platinum Visa debit card 4 How to register for

More information

Business Banking. Business account charges

Business Banking. Business account charges 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

More information

Under 19s Accounts. Get your money off to a good start.

Under 19s Accounts. Get your money off to a good start. Under 19s Accounts. Get your money off to a good start. What s where in this guide. Account at a glance 1 All you need to make banking easy 2 Cashpoint card or Visa debit card? 3 Using your Lloyds TSB

More information

International Students: Banking information

International Students: Banking information 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

More information

Business Start-Up Package

Business Start-Up Package Business Start-Up Package Ireland s Enterprise Bank Everything you need to help your business start and grow When it comes to starting a business, you have a number of decisions to make. One of the most

More information

Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac

Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac Altitude Business Gold Visa Card spend on your business, reward yourself movers & shakers Proudly supported by Westpac Welcome to a great way to earn rewards Now that your Altitude Business Gold Credit

More information

Your guide to getting the most from your card

Your guide to getting the most from your card Your guide to getting the most from your card Ulster Bank debitcard Welcome to your Ulster Bank debitcard Your Ulster Bank Debitcard is accepted in 30 million retail outlets around the world, wherever

More information

FAQs FOR CREDIT CARDS. al khaliji France FAQs for Credit Cards

FAQs FOR CREDIT CARDS. al khaliji France FAQs for Credit Cards FAQs FOR CREDIT CARDS FAQs for Credit Cards Card basics 03 Managing your credit limit 03 Using your card 04 Paying your bills 05 If there are problems 06 Fees & charges 06 Other benefits 06 02 1. Card

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

FLEXONE. Terms and Conditions and How to use your account

FLEXONE. Terms and Conditions and How to use your account 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

More information

Changes to your Terms and Conditions. Important Information

Changes to your Terms and Conditions. Important Information Changes to your Terms and Conditions Important Information Contents Section 1: Summary of Changes 4 5 Section 2: Detailed Changes to our Terms and Conditions 6 8 Changes to our General Conditions Protecting

More information

AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts

AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts CREDIT CARDS AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts We all have different plans in life. Your personal finances, your way. At Bank of Melbourne, our commitment to you starts with

More information

Bank Account Conditions.

Bank Account Conditions. Personal Banking Bank Account Conditions. Applicable from 30 July 2015. Bank Account Conditions. This booklet contains the general conditions that apply to our personal bank accounts and some related services.

More information

YOUR BANKING RELATIONSHIP WITH US. Personal Banking terms and conditions

YOUR BANKING RELATIONSHIP WITH US. Personal Banking terms and conditions YOUR BANKING RELATIONSHIP WITH US Personal Banking terms and conditions July 2015 Changes to your Bank Account or Savings Account Conditions We are making some changes to the conditions that apply to our

More information

Welcome to student banking. The essentials you need

Welcome to student banking. The essentials you need Welcome to student banking The essentials you need 2 Your journey is about to begin... Welcome to HSBC student banking. Just like your new friends, we re here to support you during your studies. We ll

More information

Your Virgin Essential Current Account

Your Virgin Essential Current Account Your Virgin Essential Current Account The Terms July 2015 These are the Terms of your Virgin Essential Current Account. These Terms, along with our Welcome guide, make up our agreement with you. We give

More information

ISLAMIC ACCOUNT STRONG BANKING THAT UNDERSTANDS THE SHARIAH WAY

ISLAMIC ACCOUNT STRONG BANKING THAT UNDERSTANDS THE SHARIAH WAY ISLAMIC ACCOUNT STRONG BANKING THAT UNDERSTANDS THE SHARIAH WAY Downtime. It s a precious commodity. So when you re rushing from A to B, looking after X, Y and Z and juggling a hundred and one things,

More information

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans.

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Welcome home Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Smart move With the right advice from your mortgage broker and a smart, flexible home

More information

An infinite world of privileges

An infinite world of privileges An infinite world of privileges Personalised concierge services, offers and privileges reserved for members plus a comprehensive range of insurance and assistance, flexible cash withdrawal and payment

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

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

BUSINESS CHARGE CARD. User Guide

BUSINESS CHARGE CARD. User Guide BUSINESS CHARGE CARD User Guide Keeping control of business expenses This leaflet explains how to make the most of your Business Charge Card whether you will be using the card yourself, or managing the

More 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

AIB Graduate Account. Supporting you on the road to success. Drop in to any branch 1890 788 336 www.aib.ie

AIB Graduate Account. Supporting you on the road to success. Drop in to any branch 1890 788 336 www.aib.ie AIB Graduate Account Supporting you on the road to success. Drop in to any branch 1890 788 336 www.aib.ie Contents 01 Introduction 02 How it works 04 AIB Phone, Internet & Tablet Banking 06 AIB Mobile

More information

Essential Information. NAB Business Payments Card.

Essential Information. NAB Business Payments Card. Essential Information. NAB Business Payments Card. Contents Your NAB Business Payments Card Facility 3 How your card works 4 Your Facility Billing Account 4 Individual cards 5 Primary Cardholders 5 Other

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

Give me the facts Effective 10 November 2014

Give me the facts Effective 10 November 2014 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

More information

Graduate Bank Account

Graduate Bank Account Graduate Bank Account 2 Congratulations. All that studying is behind you and you re on the verge of an exciting new chapter. Yet in the middle of all this change, one thing you don t want to worry about

More information

Basic Bank Account. Everyday banking made easy

Basic Bank Account. Everyday banking made easy Basic Bank Account Everyday banking made easy Basic Bank Account Basic Bank Account is an account which is simple to understand and easy to manage. It gives you basic banking facilities to keep you in

More information

Bank of Scotland Private Banking Savings Accounts

Bank of Scotland Private Banking Savings Accounts Bank of Scotland Private Banking Savings Accounts Terms and Conditions Applicable to: Premier Investment Account Premier Reserve Account (for Personal Customers) Premier Reserve Account (for Trusts) 3

More information

Silver Account. A guide to all your Silver Account benefits.

Silver Account. A guide to all your Silver Account benefits. Silver Account A guide to all your Silver Account benefits. Discover how much more you get with your Silver Account. Contents. Your Bank of Scotland Silver Visa debit card 3 How to register for your benefits

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

Bank of Scotland Bank Accounts. Special conditions

Bank of Scotland Bank Accounts. Special conditions Bank of Scotland Bank Accounts January 2007 Special conditions Bank account conditions Always giving you extra 2 Welcome to the Bank of Scotland Thank you for choosing to bank with the Bank of Scotland.

More information

credit card Your Welcome Guide

credit card Your Welcome Guide credit card Your Welcome Guide We d like to welcome you as a new Co-operative Membership credit card holder. Welcome This guide tells you all you need to know to make the most of your Co-operative Membership

More information

ready, steady, take off

ready, steady, take off ready, steady, take off Welcome to your Airpoints credit card All the key information you need to know about your Air New Zealand Airpoints Platinum MasterCard. Important information Your Air New Zealand

More information

Business Banking. Business account charges

Business Banking. Business account charges Business Banking Business account charges Contents Page Introduction 3 Summary of Business Tariffs 4 Start-ups 4 Treasurers Account Tariff 4 Business Current Account Standard Tariff 5-6 Business Plus Account

More information

Your guide to getting the most from your card

Your guide to getting the most from your card Your guide to getting the most from your card Ulster Bank debitcard Welcome to your Ulster Bank debitcard Your Ulster Bank debitcard is accepted in 30 million outlets around the world wherever you see

More information

Phoneline Banking Mobile Banking Cash machines Branches Online Banking www.firsttrustbank.co.uk 028 9034 6034 Ask at any branch

Phoneline Banking Mobile Banking Cash machines Branches Online Banking www.firsttrustbank.co.uk 028 9034 6034 Ask at any branch Phoneline Banking Mobile Banking Cash machines Branches Online Banking Ways to Bank Secure and convenient banking options to fit your lifestyle www.firsttrustbank.co.uk 028 9034 6034 Ask at any branch

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

BORROWING. A guide to borrowing. Overdrafts, credit cards, loans

BORROWING. A guide to borrowing. Overdrafts, credit cards, loans BORROWING A guide to borrowing Overdrafts, credit cards, loans Three ways to borrow that can work for you All of us need a little extra help at times. So if you want to borrow money for a new car or kitchen

More information

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you 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

More information

Ways to bank. With so many ways to do your banking you ll be spoilt for choice.

Ways to bank. With so many ways to do your banking you ll be spoilt for choice. Ways to bank With so many ways to do your banking you ll be spoilt for choice. Are you banking on your terms? At Westpac you can tailor the way you bank to suit your life. Whether you log on to Online

More information

YOUR BANKING RELATIONSHIP WITH US. Personal Banking terms and conditions

YOUR BANKING RELATIONSHIP WITH US. Personal Banking terms and conditions YOUR BANKING RELATIONSHIP WITH US Personal Banking terms and conditions April 2014 This booklet contains the general conditions that apply to our personal bank accounts and some related services. Please

More information

Welcome to the world of prepaid cards... Contents

Welcome to the world of prepaid cards... Contents Welcome to the world of prepaid cards... This leaflet has been prepared to help you find out more about prepaid payment cards and how you can use them best. Contents Welcome to the world of prepaid cards.................

More information

Topic 2(d) Bank accounts

Topic 2(d) Bank accounts Topic 2(d) Bank accounts Storing money in a bank or building society If you have money you don t want to spend immediately, the best thing you can do with it is put it in a bank account. This will keep

More information

Banking made clear. Information pack for people with learning disabilities.

Banking made clear. Information pack for people with learning disabilities. Banking made clear Information pack for people with learning disabilities. This handy guide provides information about how you can: open and manage your own bank account keep safe when you are using your

More information

Banking made clear. Information pack for people with learning disabilities.

Banking made clear. Information pack for people with learning disabilities. Banking made clear Information pack for people with learning disabilities. This handy guide provides information about how you can: open and manage your own bank account keep safe when you are using your

More information

Let s get started with your Ffrees Account

Let s get started with your Ffrees Account Let s get started with your Ffrees Account Now that your Ffrees Card has arrived, this handy guide will give you any information you need to get started with your brand new Ffrees Account. Step 1 Activate

More information

Confident living. Managing your money. Confident living series: Managing your money

Confident living. Managing your money. Confident living series: Managing your money Confident living Managing your money Confident living series: Managing your money Managing your money Five top tips 1 Ask a shop what special offers they have. 2 Speak up for your rights, services should

More information

Hang Seng Commercial Card Benefits Directory

Hang Seng Commercial Card Benefits Directory Contents 1. Important Points to Remember 2. Customer Privileges Better Business Expense Management Financial Flexibility Superior Privileges Membership Rewards Programme Comprehensive Protection 3. Payment

More information