onecard Change the way you pay

Transcription

1 onecard Change the way you pay

2 Contents 3 Transforming your day-to-day business expenses 4 Your onecard administrator 5 onecard for all payments 5 Acceptance and cash withdrawals 6 Protecting your business 8 onecard benefits 9 Travel insurance and assistance 10 Monthly statements and repayment 10 Cards OnLine 11 Lost and stolen 12 Useful numbers and contact details for your onecard 13 Your information 2

3 onecard Transforming your day-to-day business expenses Welcome to your new onecard from NatWest, which has been chosen by your business as the preferred way to pay for goods and services. The card is designed to be used for all your day-to-day business expenses and purchasing needs, making payments simpler, more secure and more convenient. As soon as you ve signed your onecard, take a minute to check out the information in this guide and discover how it will transform the way you pay. For details of how we will use your information, please refer to the Your Information section at the back of this guide. 3

4 Your onecard administrator Your card administrator is the person who has been appointed by your business to co-ordinate the day-to-day running of the onecard programme. As such, he or she is the person to ask if you have any questions about your card. Please contact them if you: change your name need to change your credit limit change jobs within your company or leave change your address details, or if you haven t received a new card before your current one expires. You should also contact them if you wish to obtain an electronic copy of this guide. Payment declined From time to time your onecard may be declined. There are various reasons why this might happen. Your card has a credit limit and it is also possible that an individual transaction limit may have been set for you. Therefore, please contact your card administrator or call the onecard helpline on (if your administrator is unavailable), if your card is not accepted as it could be because you have simply exceeded these in-built limits or your business does not permit you to use your card for certain types of purchases. If you are the appointed administrator please refer to your card administrator pack, or contact us on *Calls may be recorded. Call charges from residential lines, business lines and mobiles vary and depend on your telephone operator s tariffs. 4

5 onecard onecard for all payments We re all familiar with how to use a card to pay for things on the phone, in person and online. Well onecard is exactly the same except it s for your day-to-day business expenditure. That means everything from purchasing business equipment and office supplies to travel and entertainment use onecard to foot the bill. And because all you need is, quite literally, one card, it s all logged centrally making it easy for you, or anyone else, to keep track of the transactions. Acceptance and cash withdrawals You can use your onecard at millions of outlets worldwide wherever you see the MasterCard symbol. Need cash? Simple. You can withdraw cash from ATMs and over bank counters in thousands of locations in the UK and worldwide*. *ATM withdrawals subject to daily limit. Please refer to your Terms for the fees that will apply. 5

6 Protecting your business Your PIN When paying in person in the UK you will be required to use your PIN. Please keep your PIN safe. Using your card securely Never hand over your bank card or account information Be wary of unexpected or suspicious telephone calls, s or SMS requesting personal account or card information. Remember, the Bank or Police will NEVER call and ask you to disclose your card or PIN details. We will also NEVER arrange to collect your card and PIN via a courier, as a result of a fraud investigation. Keep your cards and card details in a safe place Always keep your bank and credit card statements in a safe place and shred any paperwork relating to your cards when it s no longer required. Never record your PIN or password in a way that might be recognised by someone else and do not disclose your PIN or password to anyone. Protect your Card and PIN Always keep your card in sight, particularly when making purchases in crowded areas. Remain vigilant and do not allow yourself to get distracted when using your card and PIN at an ATM or when making a purchase in a shop. Remember, Always Shield your PIN and take your card promptly. 6

7 Reconcile your statements Regularly check your paper statements or use our online banking services to monitor your account activity. If you notice an unknown or suspicious transaction, please contact us immediately. Report lost and stolen cards immediately If your card is Lost or Stolen, including where it is captured at an ATM, please report this to us immediately, to prevent any fraudulent card use. Ensure that you only enter your card details on secure websites Secure websites are identified by a padlock or key symbol and a site address that changes from http to https. NatWest Secure If you register with NatWest Secure, our own enhanced security system, it makes online purchasing even safer. Just visit commercial.natwestsecure.com to register and set up your secure password. Security code For transactions over the phone, via mail order or the internet, you may be asked for your security code. It s the last three digits printed on the strip on the back of your onecard. 7

8 More onecard benefits Apart from the convenience there are loads of extra benefits that come with your onecard. Priority Pass is one of the world s largest independent airport lounge programme. With your onecard you re entitled to a discounted membership fee with Priority Pass which normally costs 69 per year. onecard holders pay only per year for the first year and per year there after. This enables you to access over 600 airport lounges worldwide, regardless of which airline you fly with, or your ticket type. Each lounge visit is currently charged at 15 per person. For more information on Priority Pass and a membership form, call the onecard Helpline (Mon-Fri, 8am-6pm; Sat, 9am-1pm) on (if in the UK), (if abroad) or customers with hearing and speech impairments can contact us by Minicom number BCP Airport Parking gives you a 15% discount when pre-booking a space at over 20 UK airport car parks operated by BCP using your onecard. The discount also applies when you choose their time saving meet and greet service that allows you to drive straight to the airport terminal. To obtain your discount, call and quote WC29H or book online at parkbcp.co.uk/natwestonecard Business Offers savings with discounts from a number of leading suppliers accessible online from your smartphone, tablet or desktop. For more details visit businessoffers.natwest.com Offers may be updated periodically and may be subject to change. 8

9 Travel insurance and assistance You are automatically covered by our Travel Accident Insurance when you use your onecard to pay for travel and accommodation on business trips of up to 90 days in duration. It includes up to 25,000 (increasing to 100,000 whilst travelling on licensed public transport or in a hire car) travel accident cover. Get more with Gold If you hold a Gold Card you will benefit from an enhanced insurance package that includes a Travel Assistance Service and Worldwide Travel Insurance for you and up to 3 colleagues on any business trip of up to 90 days outside the UK which has been paid for using your onecard. The card also comes with up to 100,000 (increasing to 250,000 whilst travelling on licensed public transport) travel accident cover, as well as: Medical expenses of up to 2,000,000 Up to 750 hospital benefit Personal liability cover up to 1,000,000 Up to 3,000 if a trip has to be cancelled, curtailed or altered Personal belongings cover of up to 1,200 and money up to 500 Travel delay cover of up to 300 ACE Travel Assistance Helpline for multi-lingual assistance with travel before and during your journey. Call or when calling from abroad (24 hours). For full details please refer to your administrator for a copy of Your Insurance Policy. 9

10 Monthly statements and repayment Each month, you or your card administrator will receive a NatWest onecard statement detailing your expenditure for the previous month. This can be used to reconcile the transactions that appear on the statement with invoices and receipts you have received during the month. If you wish to cancel any subscriptions or regular payments setup using your onecard, please call us on We would recommend that you also notify the merchant of the cancellation, or if required, to provide the merchant with alternative payment information. If your company has selected central billing, the statement will be sent directly to your administrator for central payment of the outstanding balance. If you have individual billing, the statement will be sent to you (please note that individual billing is not available on all card programmes). Cards OnLine Our Cards OnLine service lets you view your card information from your own PC. Everything from card limits and recent transactions to your last 13 statements. Speak to your administrator about access. To register please visit natwest.com/cardsonline 10

11 Lost and stolen Lost your card? Please call the NatWest Lost and Stolen Cards Helpline on (24 hours a day, 7 days a week). If calling from abroad the number is Minicom users please call Calls may be recorded. Call charges from residential lines, business lines and mobiles vary and depend on your telephone operator s tariffs. If you need a replacement card while overseas, we will put you in touch with the MasterCard Helpline for the country you are visiting by calling (in the UK). If you would prefer, you can obtain the overseas number prior to travel by visiting mastercard.com (select UK Personal Cards Cardholder Services MasterCard Global Service for details of offices in other countries). The MasterCard Global Service Centre can provide a temporary, emergency, replacement card in 1 to 3 business days. Terms and Conditions apply. 11

12 Useful numbers and contact details for your onecard onecard Helpline and address (Mon-Fri, 8am-6pm; Sat, 9am-1pm) , (overseas) Minicom National Westminster Bank Plc Commercial Cards Division Cards Customer Services PO Box 5747 Southend-on-Sea SS1 9AJ Your dedicated onecard helpline and customer services address. onecard Lost or Stolen (24 hrs) (overseas) Minicom In case you need to report your onecard lost or stolen. Please note where regular payments/subscriptions are set up, the retailer should be notified. Fraud Enquiries or (overseas 24 hrs) For assistance should you encounter a security check. ACE Travel Assistance (Gold cardholders only) or (overseas 24 hrs) For assistance with Gold cardholder business travel before and during their journey. MasterCard Global Service Centre (UK only) MasterCard Global Service Centres offer 24 hour assistance for emergency replacement cards whilst overseas. For details of overseas offices visit mastercard.com and select the following options UK Personal Cards Cardholder Services MasterCard Global service. Terms and Conditions apply. Cards OnLine website natwest.com/cardsonline to register and log into Cards OnLine. Priority Pass or (overseas) Minicom For more information and a membership form. BCP Airport Parking Quote: WC29H (Mon-Fri, 8am-11pm; Sat-Sun, 8am-7pm except Christmas). To book and for more information. onecard Travel Insurance Claims (Mon-Fri, 9am-5pm) or +44 (0) (overseas 24 hrs) If you need to make a travel insurance claim on your onecard. Calls may be recorded. Call charges from residential lines, business lines and mobiles vary and depend on your telephone operator s tariffs. 12

13 Your information 1. Who we are We are a member of The Royal Bank of Scotland Group ( RBS ). For more information about other RBS companies please visit rbs.com and click on About Us, or contact your branch or Relationship Manager. 2. The information we hold about you Your information is made up of all the financial and personal information we hold about you and your transactions. It includes: (a) information you give to us; (b) information that we receive from third parties (including other RBS companies, third parties who provide services to you or us and credit reference or fraud prevention agencies); (c) information that we learn about you through our relationship with you and the way you operate your accounts and/or services; and (d) information that we gather from the technology which you use to access our services (for example location data from your mobile phone, or an Internet Protocol (IP) address or telephone number). 3. Accessing your information 3.1 If you would like a copy of the information we hold about you, please write to: National Westminster Bank Plc, Commercial Cards Division, Cards Customer Services, PO Box 5747, Southend-on-Sea SS1 9AJ. A fee of 10 is payable. 3.2 If you believe that any of the information that we hold about you is inaccurate, or if you have any queries about how we use your information which are not answered here, please contact us on Changes to the way we use your information From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we will notify you and will allow a period of 60 days for you to raise any objections before the change is made. However, please note that in some cases, if you do not agree to such changes it may not be possible for us to continue to operate your account and/or provide certain products and services to you. 5. How we use and share your information with other RBS companies We may use and share your information with other RBS companies. This information is used by us and them to: (a) assess and process applications, provide you with products and services and manage our (or their) relationship with you; (b) understand our customers preferences, expectations and financial history in order to improve the products and services we offer them; (c) carry out financial (including credit) and insurance risk assessments and for risk reporting and risk management; (d) develop, test, monitor and review the performance of products, services, internal systems and security arrangements offered by RBS companies; (e) assess the quality of our service to customers and to provide staff training; (f) improve the relevance of offers of products and services by RBS companies to our customers; (g) recover debt; (h) confirm your identity; and (i) prevent and detect crime, including fraud and money laundering. 6. Sharing with third parties 6.1 We will not share your information with anyone outside RBS except: (a) where we have your permission; (b) where we are required by law and/or by law enforcement agencies, government entities, tax authorities or regulatory bodies around the world; (c) to third party service providers, agents and sub-contractors acting on our behalf, such as the companies which print our account statements; (d) to debt collection agencies; (e) to credit reference and fraud prevention agencies; (f) to other companies that provide you with benefits or services (such as insurance cover) associated with your product or service; 13

14 (g) where required for a sale, reorganisation, transfer or other transaction relating to our business; (h) in anonymised form as part of statistics or other aggregated data shared with third parties; or (i) where permitted by law, it is necessary for our legitimate interests or those of a third party, and it is not inconsistent with the purposes listed above. 6.2 We will not share your information with third parties for marketing purposes. 7. Transferring information overseas We may transfer your information to organisations in other countries (including to other RBS companies) on the basis that anyone to whom we pass it protects it in the same way we would and in accordance with applicable laws. 8. Marketing information If you have permitted us to do so, then we will send you relevant marketing information (including details of other products or services provided by us or other RBS companies which we believe may be of interest to you), by mail, phone, , text and other forms of electronic communication. If you change your mind about how you would like us to contact you or you no longer wish to receive this information, you can tell us at any time by contacting us on Communications about your account 9.1 We will contact you with information relevant to the operation and maintenance of your account by a variety of means including via online banking, mobile banking, , text message, post and/or telephone. If at any point in the future you change your contact details you should tell us promptly about those changes. 9.2 We may monitor or record calls, s, text messages or other communications in accordance with applicable laws for the purposes outlined in 5 overleaf. 10. Credit reference and fraud prevention agencies 10.1 We may access and use information from credit reference agencies when you open your account and periodically to: (a) manage and take decisions about your accounts; (b) prevent fraud and money laundering; (c) check your identity; and (d) trace debtors and recover debts We may share information with credit reference agencies about how you manage your account including your account balance, credit limit and any arrears or default in making payments. This information will be made available to other organisations (including fraud prevention agencies and other financial institutions) so that they can take decisions about you, your associates and members of your household If false or inaccurate information is provided and/or fraud is identified or suspected, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information We and other organisations may access and share fraud prevention agency information about you to prevent fraud and money laundering, for example, when checking: (a) applications and managing credit or other facilities and recovering debt; (b) insurance proposals and claims; or (c) details of job applicants and employees. We and other organisations may access and use this information from other countries If you would like a copy of your information held by the credit reference and fraud prevention agencies we use, please call where you can obtain their contact details. The agencies may charge a fee. 11. How long we keep your information We will keep your information for as long as it is required by us or other RBS companies (even if you close your account) in order to comply with legal and regulatory requirements, or for other operational reasons, such as dealing with any queries relating to your account. 12. Security We are committed to ensuring that your information is secure with us and with the third parties who act on our behalf. For more information about the steps we are taking to protect your information please visit natwest.com/global/security.ashx 14

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16 National Westminster Bank Plc. Registered No England and Wales. Registered Office: 135 Bishopsgate, London EC2M 3UR. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. No NWO/CG/