Business Debit Card Cardholder Terms

Transcription

1 Business Debit Card Cardholder Terms Additional Conditions For all HSBC Business Debit Card Cardholders as of 1 December 2014.

2 Table of Contents Page How to reach us 3 If you have a disability 3 1. What you should know Where there are differences Technical language We, you and Connected Person 4 2. Your Debit Card and PIN Getting and changing your PIN Renewing or replacing your Debit Card Contactless Debit Cards 5 3. Using your Debit Card What you can do with your Debit Card 5 4. Keeping things secure What you agree to do What you agree not to do Loss, theft or misuse of your Debit Card, PIN or security details 6 About HSBC 7 2

3 How to reach us If your Business Debit Cards, PINs or security details are lost or stolen: Call us any time, day or night: if you re in the UK, Channel Islands or the Isle of Man : if you re outside the UK: if you are disabled and have a textphone: If your Business Debit Card is declined or you forget your PIN: Call us (from 8am to 10pm everyday) on: if you re in the UK, Channel Islands or the Isle of Man: if you re outside the UK: if you are disabled and have a textphone and: you re in the UK, Channel Islands or the Isle of Man: you re outside the UK: If you want to know our current exchange rates and charges: Visit any HSBC branch Call us any day between 8am and 10pm on If you have a disability Sight You can request these Additional Conditions in large print or audio from any HSBC branch. We can also give you Braille and large-print statements and templates for cheque books. Hearing or speech You can call us by textphone: if you re in the UK, Channel Islands or the Isle of Man: if you re outside the UK: We can also arrange a sign-language service for you. We may monitor or record our conversations with you (for example, phone calls, letters, s) to improve our service, or for security 3

4 1. What you should know Your HSBC Business Debit Card (which we ll call your Debit Card ) comes with these Additional Conditions (which we ll call Card Terms ). They set out what you can expect from us and what we expect from you. You should read them together with our Business Banking Terms and Conditions, which also apply especially the parts that talk about Cardholders, making Debit Card Payments and using Debit Cards. For the most up-to-date versions of these Card Terms, our Business Banking Terms and Conditions, the Business Banking Made Easy brochure and our Price List, just ask us in any HSBC branch, by phone or find them on our website. 1.1 Where there are differences Where there s a conflict between these Card Terms and our Business Banking Terms and Conditions, these Card Terms take precedence. If there s a conflict between these Card Terms and the Customer Information Appendix in our Business Banking Terms and Conditions, the Customer Information Appendix takes precedence. 1.2 Technical language Some of the words and phrases in this document have a specific meaning. We ve capitalised these words, and included them in the Glossary at the end of our Business Banking Terms and Conditions. 1.3 We, you and Connected Person In these Card Terms By we, us or our, we mean HSBC Bank plc. By you or your, we mean the person who signed the Business Debit Cardholder Application Form as Cardholder In the Customer Information Appendix in our Business Banking Terms and Conditions By you or your we mean the person named on the Business Debit Cardholder Application Form as our customer. Any reference to a Connected Person in that Appendix should be read as applying to you. 4

5 2. Your Debit Card and PIN 2.1 Getting and changing your PIN We ll give you a PIN when you take out your Debit Card. You can change it any time. If you change it within thirty days of the date your Debit Card expires, you ll need to change it again when your new Debit Card arrives. This is because your new Debit Card will have reverted to your old PIN. 2.2 Renewing or replacing your Debit Card We can decide not to replace or renew your Debit Card. We won t replace or renew Debit Cards which originally came from a Business Money Manager account. 2.3 Contactless Debit Cards We may give you a Debit Card that has contactless technology (so you can pay for small things without entering your PIN). There s a limit on how much you can pay per transaction by contactless we ll tell you what this is when we send it to you. The limit may change over time. If it does change, we ll let whoever is the main customer on your account know (they re responsible for passing the message to you and any other Cardholders). 3. Using your Debit Card 3.1 What you can do with your Debit Card At all our Self-Service machines and at LINK/VISA machines in the UK, Channel Islands, the Isle of Man withdraw cash* check your balance At some Self-Service machines in the UK, Channel Islands, the Isle of Man pay in cash and cheques transfer money between your accounts (Internal Transfers) set up recurring payments At some Self-Service machines in UK make donations to some charities top up your mobile phone withdraw cash in US dollars or euro (we ll show you our current exchange rate, how much you ll get and how much that is in pounds on-screen, before you go ahead then deduct that amount in sterling from your account as soon as you confirm it) In shops and online anywhere in the UK, Channel Islands, the Isle of Man or overseas that accepts VISA pay for goods and services In shops in the UK, Channel Islands, the Isle of Man get cash-back Overseas withdraw cash* from any Self-Service Machine with the VISA logo. *We ll set a limit on the amount of cash you can withdraw in a day with your Debit Card. We ll tell you what that limit is when we send you your Debit Card. 5

6 4. Keeping things secure 4.1 What you agree to do You agree to take reasonable precautions to keep your Debit Card and security details (such as PINs, security numbers and passwords) safe and secure including (among other things), to: Act quickly when you get your Debit Card sign your Debit Card as soon as you get it (if it has a signature strip) destroy any written record of your PINs and any instructions we send you immediately after receipt choose security details for your accounts, cards and services with us that you don t use elsewhere Take precautions only enter your Debit Card details on secure payment websites and software shield the keypad when you re typing in your PIN (at Self-Service Machines, or in shops and restaurants, for example) tell us immediately if you change your name or employer follow any instructions we give you about security. 4.2 What you agree not to do You agree not to: Put your card, PIN or security details at risk let anyone else use your Debit Card or PIN give your Debit Card number, PIN or security details to anyone else (except when you re buying or paying for things) choose a PIN or other security details that might be easy to guess Give away your PIN give your PIN when you re paying for things (whether it s over the phone, over the internet or in person) write down or record your PIN or other security details in a way that someone else might understand tell your PIN to anyone else even us, or the police Use your card wrongly tamper with your Debit Card use your Debit Card to do anything illegal. If you do, the person named on the Business Debit Cardholder Application Form as our customer will be responsible. They may have to pay us and the relevant debit card scheme back in full for whatever you spend, plus any charges use your Debit Card if it s suspended, cancelled or expired or if you ve changed your employer. 4.3 Loss, theft or misuse of your Debit Card, PIN or security details If you know or suspect that your Debit Card, PIN or security details have been lost, stolen or misused, you agree to: tell us as soon as you reasonably can by calling our 24 hour emergency number (see How to reach us on page 3 of these Card Terms) help us and the police with our investigations report any unauthorised transactions to the police within seven days of us asking you to destroy any Debit Cards you ve reported as lost or stolen, if you find them again (by cutting them up, for example). We can give information about you or the account to the police, other authorities or third parties if we think it might help us prevent or recover losses. 6

7 About HSBC HSBC Bank plc is a company registered and established in England and Wales under registration number Our registered office is at 8 Canada Square, London E14 5HQ. Our VAT registration number is GB HSBC Bank plc is: authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (our firm reference number is ) regulated by the Jersey Financial Services Commission for Banking, General Insurance Mediation and Investment Business licensed by the Guernsey Financial Services Commission for Banking, Insurance, Collective Investment Schemes and Investment Business licensed by the Isle of Man Financial Supervision Commission. hsbc.co.uk Issued by HSBC Bank plc. Customer information: PO Box 6201, Coventry CV3 9HW Isle of Man: PO Box 20, HSBC House, Ridgeway Street, Douglas, Isle of Man IM99 1AU Jersey: PO Box 14, St Helier, Jersey JE4 8NJ Guernsey: High Street, St Peter Port, Guernsey GY1 2LB Printed by St Ives Management Services Ltd LIT01110 MCP /14 HSBC Bank plc All Rights Reserved.