ISLAMIC ACCOUNT STRONG BANKING THAT UNDERSTANDS THE SHARIAH WAY

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "ISLAMIC ACCOUNT STRONG BANKING THAT UNDERSTANDS THE SHARIAH WAY"

Transcription

1 ISLAMIC ACCOUNT STRONG BANKING THAT UNDERSTANDS THE SHARIAH WAY

2 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, it s good to know your current account has it all covered. Our Islamic account gives you all the tools you need to keep your finances on track and in accordance with Shariah law.

3 Islamic Account Contents Account benefits 3 Shariah approved banking 4 My Lloyds Bank Visa debit card 5 Ways to bank 6 Travelling with your debit card 10 Travel money 11 Moving your money 12 Switching your account 15 Opening an account 16 1

4 Islamic Account I need an account that s right for me Open a Lloyds Bank Islamic Account today You can be confident the money you keep with us will not be used for any interestbased or non-shariah approved activities. It s banking in accordance with Shariah, with no credit or debit interest, no Planned Overdraft, no minimum balance required and no charges for everyday transactions on your Islamic Account if you stay in credit. Please refer to our Banking Charges guide for details of charges for other bank services. 2

5 Account benefits I ve got everything I need Paying in money, paying bills and withdrawing cash With the Islamic Account you get a Lloyds Bank Visa debit card and a choice of ways to bank. You won t be charged for everyday transactions when you re in credit. Other charges may apply see our Banking Charges guide or visit lloydsbank.com for more details. Access to PhoneBank and our Internet Banking service, 24 hours a day, seven days a week. Our free Mobile Banking service helps you do your banking on the go with most mobile phones using our app or via your mobile s browser at lloydsbank.com Money Manager helps you keep track of your spending across all your Lloyds Bank personal current accounts. Up-to-the-minute banking You can have instant access to your money when you pay Lloyds Bank personal cheques into your account. Real-time balances available from any of our Cashpoint machines, over the phone or via the Internet. Money Manager is provided free to help you manage your personal finances and is not intended to provide legal, tax or financial advice. You must be registered for Internet Banking. Further terms and conditions apply. Please note that although you can give us instructions 24 hours a day, seven days a week through Internet Banking, Mobile Banking and PhoneBank some of those instructions cannot be processed until the next working day, for example if the instruction is given after 10pm or at weekends or Bank Holidays. Not all PhoneBank services are available 24 hours a day, seven days a week. Please speak to an adviser for more information. 3

6 Shariah approved banking Shariah approved banking Two independent scholars have helped us create your Islamic Account We work closely with a committee of internationally recognised scholars to maintain a Shariah approved account that s in line with your beliefs. Mufti Muhammad Nurullah Shikder A non-practising lawyer, with an LL.M in Banking and Finance Law from University College London, Mufti Muhammad Nurullah Shikder studied Shariah with specialisation in Fiqh at Darul Uloom Al Arabiyya Al Islamiyya, Bury, UK. His expertise is in innovative structuring and documentation relating to Sukuk, Islamic Funds, Islamic Syndications and other corporate and retail products. In 2008, he was ranked among the world s leading scholars by FAILAKA, and in 2009 he received the ZAKI BADAWI Award for Outstanding Young Shariah Advisory. He is a trainer of Islamic finance courses and currently sits on the Shariah Board of several Islamic financial institutions. Sheikh Nizam Yaquby A member of the Shariah Committee for several Islamic financial institutions across the world, Sheikh Nizam Yaquby has received a BA from McGill (Economics & Comparative Religion), a Ph.D in Islamic Law and is based in Bahrain. He has been a Professor of Tafsir, Hadith and Fiqh in Bahrain since 1976 and is the author of several articles and publications on Islamic finance in English and Arabic. 4

7 My Lloyds Bank Visa debit card I d like a debit card that s flexible and secure You don t have to carry cash when you re out and about Your account comes with a Lloyds Bank Visa debit card, which you can use to pay directly from your account quickly and easily: In shops, online or over the phone. To take out up to 500 a day from any UK Lloyds Bank Cashpoint machine free of charge and non-lloyds Bank ATMs (Lloyds Bank does not make a charge but the owner of the machine may). To take out up to 300 per day at Post Office branches. To get up to 50 cashback free of charge in most supermarkets. If you use your debit card abroad or for non-sterling transactions in the UK then charges apply. Please see our Banking Charges guide or visit lloydsbank.com for more information. If there s not enough money in your account to make a payment, we won t usually complete the transaction and we ll charge you a fee. Please refer to our Banking Charges guide for more details. Use any UK Lloyds Bank Cashpoint machine free of charge and non- Lloyds Bank ATMs to take out up to 500 a day 5

8 Islamic Ways Account to bank Choose how you want to bank 24 7 Online or on the phone, it s easy to manage your money 6

9 Ways to bank Internet Banking Get instant access to your account with 24/7 Internet Banking, and with just a few clicks you can: Check your up-tothe-minute balance. Pay your bills. Transfer funds between your Lloyds Bank accounts. Set up, view and cancel standing orders. Order your travel money. PhoneBank A fast and simple way to get in touch, with PhoneBank you can: Check your current balance. Pay your bills. Transfer money between your own accounts or to another person. Set up standing orders and check Direct Debits. Order your travel money. When you call you have the choice of using our fast automated service or speaking to an adviser. You can register by calling us on please ask an adviser to send you a Security Number in the post. Mobile Banking Our free Mobile Banking service helps you to do your banking on the go with most mobile phones either using our app or via your mobile s browser at lloydsbank.com With Mobile Banking you can: View your balance and transaction history. Transfer funds between your Lloyds Bank UK personal accounts. Make payments to new and existing recipients. Please note that although you can give us instructions 24 hours a day, seven days a week through Internet Banking, Mobile Banking and PhoneBank some of those instructions cannot be processed until the next working day, for example if the instruction is given after 10pm or at weekends or Bank Holidays. Not all PhoneBank services are available 24 hours a day, seven days a week. Please speak to an adviser for more information. Internet Banking is available to our personal customers aged 16 or over. We don t charge you for Mobile Banking but your mobile operator may charge you for some services, please check with them. Services may be affected by phone signal and functionality. The Mobile Banking app s Branch and ATM finder is available to all. Other Mobile Banking services are only available to our UK personal Lloyds Bank customers and registration is required. Terms and conditions apply. 7

10 Ways to bank Text alerts Register for a range of text alerts, via Internet Banking, over the phone or in branch, to help keep track of your balance and more. Limit alerts we ll send you a text to let you know if you re near or over your account limit, to help you avoid going into an Unplanned Overdraft. High and low balance alerts you can also set your own alerts to let you know when the money in your account falls below or rises above the limits you choose. Overseas transaction alerts for extra security when your Visa debit card is used abroad, we ll text to tell you whether it was a purchase or withdrawal from a cash machine. This should make it easier for you to spot any fraudulent transactions on your account and give you time to tell us about them. Weekly balance alerts receive a weekly text with your balance and last six transactions on the week day and at the time you choose, so you can keep up to date with your finances. BANKING ON THE MOVE Download our Mobile Banking app or access Mobile Banking via your mobile browser at lloydsbank.com We don t charge you for Mobile Banking but your mobile operator may charge you for some services, please check with them. Services may be affected by phone signal and functionality. Text alerts (other than weekly balance and overseas transaction alerts) are sent before 10am UK time Monday to Friday (excluding Bank Holidays). Terms and conditions apply. 8

11 Ways to bank Statements You ll have access to regular statements that will show every transaction you make either online or by post. You can print a mini statement from Cashpoint machines showing the seven latest transactions on your account. Log on to Internet Banking if you want to go paperless and switch off paper statements. You can always switch them back on again if you change your mind. It s quick and simple to print or download your statements with Internet Banking. At the Cashpoint With all our Cashpoint machines, you re never far from any of these services: Withdraw cash free of charge from any Lloyds Bank Cashpoint (from any non-lloyds Bank cash machine charges may apply). Pay in cash and cheques at many of our branch-based machines. Pay your bills at most branch-based cash machines. Simply set up a list of companies you want to pay via Internet Banking, PhoneBank or in branch. Top up your pay-as-you-go mobile phone at most branch-based Cashpoint machines*. Move money between your Lloyds Bank accounts. Change your PIN at any time. Check your balance on screen. *Please note, topping up your mobile will reduce your daily cash withdrawal limit. 9

12 Travelling with your debit card I m all set for my next trip abroad With your Lloyds Bank Visa debit card and some travel money, you ll have everything you need It s convenient Use your Visa debit card to pay in hotels, restaurants and shops when you re abroad. In fact, Visa is accepted in over 27 million outlets and at 1 million ATMs worldwide and you ll always be sure of a competitive exchange rate. Fees may apply. Please refer to the Banking Charges guide for more information. Places around the world you can use your debit card 27 million And secure Your Visa debit card is a simple alternative to carrying large amounts of cash. It s just as safe to use abroad as it is at home as we actively monitor your account when you re out of the country. If we see anything suspicious, we may call your mobile to let you know, so make sure we have a number to reach you on. We can even text you when your card is used abroad. Just register for free overseas transaction alerts by calling or through Internet Banking. While we don t charge for text alerts, your mobile operator may charge if you re abroad, please check with them. Let us know before you go so we can get in touch. Visit us in branch with your debit card or call us on

13 Travel money Travel money Get your commission-free travel money All your foreign currency banknotes and American Express Travellers Cheques are commission free from us. We also offer instant euros and US dollars in many of our branches. Order your foreign currency or Travellers Cheques by 3pm Monday to Friday (excluding Bank Holidays) and we ll deliver them to any of our branches for you to collect after 1pm the next working day, free of charge. We can also deliver your currency to your home address for just 4.50 (delivery to British mainland and Northern Ireland, to your billing address only). Our branches will also buy back any foreign notes or American Express Travellers Cheques you have left over all commission free. $ The price at which we buy back your currency may differ from the price at which we sold it to you. There are minimum denominations we can accept in certain currencies. Details of these are available on request. We may not be able to re-purchase currency if a country becomes embargoed or we no longer deal with that currency. Different delivery timescales may apply to Scotland and Northern Ireland. We may not be able to guarantee next working day delivery to certain remote areas within the United Kingdom. Please ask in branch for further details. 11

14 Moving your money It s easy to move my money around A range of services that make it easy to manage your money Set up Direct Debits and standing orders Direct Debits are a simple way to make payments. They go straight from your account to a company or service, which is useful for paying regular bills like your utilities. If you ever need to cancel or change a Direct Debit, let the company you are paying and us know. If you think there s been an incorrect payment, tell us SEND MONEY ABROAD Our International Payment Services help you send money abroad quickly, easily and securely. To find out more, visit any branch or call us on immediately and we ll arrange a full refund, and tell the company or business involved. Another simple way to pay your bills is by standing order. This is a fixed, regular payment from your account. We can help you set these up, and if you ever need to change or cancel them just let us know. Making quick, secure deposits All deposits at the counter will be processed immediately. All deposits made in depositpoints before the cut-off time shown at the depositpoint used will be processed the same working day. Any deposits made after that time or at weekends will be processed the next working day. All cash will be immediately available and cheques will follow normal clearance timelines. Please remember, weekends and Bank Holidays are not counted as working days. 12

15 Moving your money How long do my payments take? The majority of payments made (other than by cheque and Direct Debit) to a UK bank will be processed using the Faster Payments Service with payments usually reaching the receiving account within two hours. Payments for larger amounts may take up to a day. We will advise you when you ask us to make a payment if the organisation you are sending the payment to is not a member of the Faster Payments Service. If we cannot make the payment using the Faster Payments Service you can contact us on or call into your local branch to ask if there is any other method available to make the payment. For more information about the time it takes to make a payment please see Your Banking Relationship With Us (the Personal Banking terms and conditions). Stopping a cheque If you need to stop a cheque you ve written from being paid, please come into your nearest branch or call PhoneBank on to tell us. Fees may apply, please see our Banking Charges guide for full details. For more information about when cheques will be processed, please see Your Banking Relationship With Us (the Personal Banking terms and conditions). 13

16 Moving your money Grace period Our grace period gives you until 3.30pm (UK time) every day to pay in enough money to avoid Returned Item Fees and ensure any payments go out, but you have until midnight to avoid overdraft fees. The money needs to be immediately available, so you could transfer money from another personal account you have with us via Mobile, Internet or Telephone Banking or pay in cash over the counter. Where you do not have enough available to make a payment you may not be able to make that payment. We will write to tell you if we have declined your request. Charges apply if a payment is returned. Please see our Banking Charges guide or lloydsbank.com for details. Our grace period means you can avoid any Returned Item Fees you may incur that day, if you pay in enough money to cover payments by 3.30pm 14

17 Switching your account Switching your account to Lloyds Bank Our Switching Team will make it simple As well as helping you switch all your Direct Debits and standing orders, we can also help arrange for anyone who regularly pays money into your account to redirect their payments (your employer, for example). And if you like, we ll even ask your existing bank to close your account with them and send the balance to your new account. We ll stay in touch with you throughout the process and let you know how things are coming along. We can move all Direct Debits to your new Lloyds Bank account other than those set up to pay a company in euros. In those cases you ll need to contact the company directly and ask for the payments to be taken from your new Lloyds Bank account. Existing customers If you re an existing customer and want to switch to an Islamic Account, it s just as easy. You can keep your existing account number and sort code, debit card and cheque book. Bear in mind your new Islamic Account comes with the features outlined in this brochure, it does not have the same features as our non-islamic accounts. GETTING STARTED To get started just ask at your local branch or find out more at lloydsbank.com/ howtoswitch 15

18 Opening an account I want to open an account Visit any branch and we ll help you complete your Islamic Account application You ll need to bring proof of your ID and address when you come. In most cases you will only need one of the following: Valid photo driving licence or signed passport from the United Kingdom, or one of the following countries: Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Netherlands, Norway, Poland, Portugal, Spain, Sweden. Valid passport with valid UK Visa issued by Australia, Canada, United States of America, New Zealand, South Africa or Japan. If you can t provide one of the items above, you will need to bring one document from each of the following two lists instead. Proof of identity All other valid signed passports with valid UK Visa. Valid UK non-photo driving licence. Blue Disabled Driver s Pass. Proof of address Bank or building society statement (we don t accept Internet statements). Utility bill (such as a gas or landline phone bill) dated within the last three months. Local authority tax bill for current year. Tenancy agreement issued by solicitor, housing association, local council or reputable letting agency. If you don t have any of the items above, we may be able to accept other items. For more information ask in any branch or call us on What else we have to offer In addition to your Islamic Account, we can offer you a range of services including Islamic Business accounts. If you would like more information, visit your nearest branch or call us on

19 Important information Account opening is subject to an assessment of your personal circumstances and you must be 18 or over and a UK resident to apply. We may monitor or record phone calls with you in case we need to check we have carried out your instructions correctly and to improve the quality of our service. Our promise is to do our best to resolve any problems you have. If you wish to complain visit your local branch or call or (Textphone or , if you have a hearing impairment). For more information visit lloydsbank.com/contactus Cashpoint is a registered trademark of Lloyds Bank plc. depositpoint is a trademark of Lloyds Bank plc. PhoneBank is a registered trademark of Lloyds Bank plc. American Express is a registered trademark of American Express company. The Post Office and Post Office logo are registered trademarks of the Post Office Ltd. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number We are covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. All information correct as at November 2015.

20 Open an Islamic Account Go to lloydsbank.com/islamicfinancialservices Call us on Visit your local branch If you d like this in another format such as large print, Braille or audio please ask in branch. If you have a hearing or speech impairment you can contact us using Text Relay or Textphone on (lines are open 24 hours a day, 7 days a week). If you are Deaf you can use BSL and the SignVideo service available at lloydsbank.com/accessibility/signvideo.asp M55999 (11/15)

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

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

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

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

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

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

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

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

UNDER 19s ACCOUNT FEARLESS KNOWING YOUR MONEY IS OFF TO A GREAT START

UNDER 19s ACCOUNT FEARLESS KNOWING YOUR MONEY IS OFF TO A GREAT START UNDER 19s ACCOUNT FEARLESS KNOWING YOUR MONEY IS OFF TO A GREAT START Growing up means taking charge. As you get older, you ll be doing this more and more especially when it comes to money. Our Under 19s

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

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

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

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

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

Basic Account Basic Account

Basic Account Basic Account Basic Account Basic Account Looking after your money, everyday Contents Basic Account 3 Using your Basic Account 5 Getting more from your Visa debit card 6 How to pay money into your account 8 Paying your

More information

TEXT ALERTS. Keeping track of your money 24/7

TEXT ALERTS. Keeping track of your money 24/7 TEXT ALERTS Keeping track of your money 24/7 Contents Types of text alerts 1 Managing your text alerts 3 Mobile Banking 5 Terms and conditions 6 I like to keep on top of my finances Our variety of alerts

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

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

JOINING US TOGETHER MOVING YOUR CURRENT ACCOUNT TO LLOYDS BANK

JOINING US TOGETHER MOVING YOUR CURRENT ACCOUNT TO LLOYDS BANK JOINING US TOGETHER MOVING YOUR CURRENT ACCOUNT TO LLOYDS BANK Downtime. It s a precious commodity. So when you re rushing from A to B it s good to know switching your bank account to Lloyds Bank is quick

More 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

BANKING CHARGES. April 2016

BANKING CHARGES. April 2016 BANKING CHARGES April 2016 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

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

Banking. Mobile Banking. Manage your money on the move.

Banking. Mobile Banking. Manage your money on the move. Banking Mobile Banking. Manage your money on the move. 2 Nowadays you can keep on top of your account even when you re miles from the bank. Mobile Banking. With our Mobile Banking service, you can stay

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

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

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

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

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

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

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

PHONEBANK. A guide to using your Telephone Banking service

PHONEBANK. A guide to using your Telephone Banking service PHONEBANK A guide to using your Telephone Banking service Welcome to Telephone Banking A convenient, quick and easy way to manage your Lloyds Bank accounts with one telephone number. Call us on 0345 300

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

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

KNOWLEDGE SHARIAH-APPROVED BANKING FOR YOUR BUSINESS

KNOWLEDGE SHARIAH-APPROVED BANKING FOR YOUR BUSINESS KNOWLEDGE SHARIAH-APPROVED BANKING FOR YOUR BUSINESS Contents Banking that supports your beliefs 3 New business start-ups 4 The Switching Process 5 Relationships 7 Ways to bank 8 Additional Shariah-approved

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

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

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

NEED TO KNOW. Your account is up and running

NEED TO KNOW. Your account is up and running NEED TO KNOW Your account is up and running Here are some of the key features of your new account. If you have any questions, just call us. Our UK based customer service advisers can help with day-to-day

More information

CURRENT ACCOUNT SWITCH

CURRENT ACCOUNT SWITCH CURRENT ACCOUNT SWITCH NO LONG WAIT. NO FUSS. NO HASSLE. OUR SWITCH SERVICE MAKES MOVING YOUR ACCOUNT TO US SIMPLE. Now we can switch your account to the Halifax in just seven working days. Switch in just

More 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

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

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

Personal Information. About you. Personal information and your identity.

Personal Information. About you. Personal information and your identity. Personal Information About you. Personal information and your identity. 213301 Keeping you safe and stopping fraud. More and more people are worried about identity theft and fraud. We re working 24/7 to

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

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

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

BUSINESS CREDIT CARD. User Guide

BUSINESS CREDIT CARD. User Guide BUSINESS CREDIT CARD User Guide Purchasing power to help business run smoothly This leaflet explains how to make the most of your new Business Credit Card whether you will be using the card yourself, or

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

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

LLOYDS TSB LAUNCHES 2008 STUDENT ACCOUNT

LLOYDS TSB LAUNCHES 2008 STUDENT ACCOUNT 63/08 30 June 2008 LLOYDS TSB LAUNCHES 2008 STUDENT ACCOUNT Lloyds TSB today launches its 2008 Student account, offering those planning to go to university this autumn up to 100 cash for opening an account

More information

Welcome to your Islamic Business Account. Information you need to know.

Welcome to your Islamic Business Account. Information you need to know. Welcome to your Islamic Business Account. Information you need to know. Contents. Banking in line with your beliefs 1 New business start-ups 2 Extra start-up guidance 3 Moving your business account 4 How

More information

m&s monthly SavEr Banking Made Easy NEW FASHIONED BANKING

m&s monthly SavEr Banking Made Easy NEW FASHIONED BANKING m&s PrEmium current account, m&s PrEmium current account with insurance and m&s monthly SavEr Banking Made Easy EffEctivE from 17 february 2015 NEW FASHIONED BANKING 2 Contents Page banking made easy 4

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

Virtual Bank service. for Corporate customers only. Your LloydsLink online application for. Guidance notes. Customer details. Primary contact person

Virtual Bank service. for Corporate customers only. Your LloydsLink online application for. Guidance notes. Customer details. Primary contact person Your LloydsLink online application for Virtual Bank service for Corporate customers only Guidance notes Our new Virtual Bank service can help you streamline your receivables management by giving you fast

More information

MAYFAIR PRIVATE BANKING SERVICE. Terms and Conditions

MAYFAIR PRIVATE BANKING SERVICE. Terms and Conditions MAYFAIR PRIVATE BANKING SERVICE Terms and Conditions Applicable from 22nd November 2015 This booklet contains the general conditions that apply to our personal bank accounts and some related services.

More information

Gold Bank Account Helping you to simplify International Banking

Gold Bank Account Helping you to simplify International Banking GOLD BANK ACCOUNT Gold Bank Account Helping you to simplify International Banking At Santander Private Banking, we are committed to providing a consistently high level of service. We focus on building

More information

JOINT AND SEVERAL LIABILITY. Partnership responsibilities

JOINT AND SEVERAL LIABILITY. Partnership responsibilities JOINT AND SEVERAL LIABILITY Partnership responsibilities March 2014 Contents Why do I need to know about it? 1 What does Joint and Several Liability mean? 1 How do we open a partnership account? 2 How

More information

PERSONAL BANKING TERMS AND CONDITIONS. For Personal Current Accounts, Savings and Basic Bank Accounts

PERSONAL BANKING TERMS AND CONDITIONS. For Personal Current Accounts, Savings and Basic Bank Accounts PERSONAL BANKING TERMS AND CONDITIONS For Personal Current Accounts, Savings and Basic Bank Accounts November 2015 This booklet contains: information about how to contact us and how we will contact you;

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

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

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

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

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

SCHOOL ACCOUNT SPECIALIST BANKING FOR YOUR SCHOOL OR ACADEMY

SCHOOL ACCOUNT SPECIALIST BANKING FOR YOUR SCHOOL OR ACADEMY SCHOOL ACCOUNT SPECIALIST BANKING FOR YOUR SCHOOL OR ACADEMY Contents Why choose Lloyds Bank for your school? Choosing Lloyds Bank 1 Our switching service 2 Ways to bank 4 Education relationship managers

More information

ORDER HANDLING POLICY. Direct Investments

ORDER HANDLING POLICY. Direct Investments ORDER HANDLING POLICY Direct Investments Our approach to order handling We re committed to helping you make informed decisions about your investments. One way we do this is to explain how we will handle

More information

credit card Your Welcome Guide

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

More information

ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries

ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries About Barclays Wealth At Barclays Wealth we have developed a different approach to financial services. We understand

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

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

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

M&S CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER ACCOUNT

M&S CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER ACCOUNT M&S CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER ACCOUNT Banking made easy EFFECTIVE FROM 6 APRIL 2016 NEW FASHIONED BANKING Welcome Accessing

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

Telephone Banking for Credit Cards.

Telephone Banking for Credit Cards. Credit Cards Telephone Banking for Credit Cards. A guide to using your Telephone Banking credit card service. Welcome to Telephone Banking. A convenient, quick and easy way to manage your Bank of Scotland

More information

Welcome to HSBC Passport

Welcome to HSBC Passport Welcome to HSBC Passport 2 Whether you re here to work or to study, we understand that moving to a new country can be a difficult and challenging experience. HSBC Passport offers you a unique relocation

More information

Business Banking made easy. Saving you time and money

Business Banking made easy. Saving you time and money Business Banking made easy Saving you time and money 1 2 Business Banking made easy We want to make your business banking as straightforward as we can. This brochure tells you how our accounts and services

More information

The sensible. to bank accounts for seasonal employees. Introducing the Barclaycard Wage Card brought to you by Concordia

The sensible. to bank accounts for seasonal employees. Introducing the Barclaycard Wage Card brought to you by Concordia The sensible alternative to bank accounts for seasonal employees Introducing the Barclaycard Wage Card brought to you by Concordia 2 An easier way to pay your seasonal employees Many of our growers have

More information

Banking made clear. Quick guide

Banking made clear. Quick guide Banking made clear Quick guide Contents Barclays Money Skills is a national programme that helps people to develop and improve their financial skills, knowledge and confidence. Barclays has developed this

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

Business Debit Card Cardholder Terms

Business Debit Card Cardholder Terms Business Debit Card Cardholder Terms Additional Conditions For all HSBC Business Debit Card Cardholders as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability 3 1. What

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

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

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

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

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

Barclaycard Business Credit Card Terms and Conditions

Barclaycard Business Credit Card Terms and Conditions Barclaycard Business Credit Card Terms and Conditions 1 Contents 1. Introduction 3 Your card 3 Business credit limit 3 Monthly payment 4 2. Your interest charges 4 Interest rates 4 Promotional balance

More information

BUSINESS DEBIT CARD. Terms and Conditions

BUSINESS DEBIT CARD. Terms and Conditions BUSINESS DEBIT CARD Terms and Conditions March 2015 Lloyds Bank Business Debit Card Terms and Conditions Please note these Business Debit Card Terms and Conditions do not apply to Lloyds Bank International

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

Online For Business Application for Full User Access

Online For Business Application for Full User Access Online For Business Application for Full User Access You should only complete, sign and return this form once you have submitted the Online for Business registration application at www.lloydsbank.com/business/register

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

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

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

3 Weeks Before You Depart www.commbank.com.au/movingtoaustralia Banking in Australia 1 Week Before www.smarttraveller.gov.au

3 Weeks Before You Depart www.commbank.com.au/movingtoaustralia Banking in Australia 1 Week Before www.smarttraveller.gov.au Banking in Australia Banking in Australia Moving countries and banks is always a big step. There s plenty to think about, and lots to do. Luckily for you, the Australian banking system is one of the safest

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

Gold Bank Account Helping you to simplify International Banking

Gold Bank Account Helping you to simplify International Banking GOLD BANK ACCOUNT Gold Bank Account Helping you to simplify International Banking At Santander Private Banking, we are committed to providing a consistently high level of service. We focus on building

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

Joint and Several Liability. Partnership responsibilities.

Joint and Several Liability. Partnership responsibilities. Joint and Several Liability. Partnership responsibilities. If you re going into business with partners, you need to know about Joint and Several Liability. This brochure highlights the main issues. Contents.

More information

Credit cards explained

Credit cards explained Credit cards explained What is a credit card? As its name suggests, a credit card lets you buy things on credit meaning that you don t need to have the money upfront to pay for your purchases. If large,

More 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

Get the most from a Westpac Debitplus Visa card.

Get the most from a Westpac Debitplus Visa card. Get the most from a Westpac Debitplus Visa card. Debitplus, it s the easy way to buy things using your own money. Debitplus is the convenient way to buy products and services. You simply use it to access

More information

INTERNATIONAL SERVICES GOING FURTHER TO HELP YOU EXPAND

INTERNATIONAL SERVICES GOING FURTHER TO HELP YOU EXPAND INTERNATIONAL SERVICES GOING FURTHER TO HELP YOU EXPAND I need a bank that understands my plans and has experts I can rely on With our support expanding your business overseas or entering into a new market

More information