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

Transcription

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

2 Everything you need to know about your new account Your Student Account comes with a host of features and benefits, some you get automatically and some you have to register for. This, includes our free Mobile Banking App (set up Online Banking to get yours), and even a tastecard Membership. You can also apply for an interest-free overdraft. In these pages you ll find all the info you need to be Uniproof and maximise your student experience. Everyday Banking: easier and safer...3 Mobile Banking App...4 Online Banking...5 Telephone Banking...6 Alerts Services...7 Emergency Cash...8 Interest Free Overdraft...9 tastecard Membership...11 Need any help?...12 Student Credit Card...12 Student Essentials Insurance...13 You also get all this...14 What s next...15 Student Account tastecard Terms

3 Everyday banking: easier and safer We offer a whole range of ways to manage your money; you don t always need to come into a branch. You ll need to sign up for them, but it s so worth it sort out your banking on the phone or online, at home or out and about. 3

4 Mobile Banking Our free app helps you manage your money on the move, at any time of the day or night. With our Mobile Banking app you can Get Cash (withdraw cash without a card), check your balance and more all from the palm of your hand. Available on selected Smartphones all you need is to be set up for Online Banking and have a mobile number. Other app features: See your latest balance and mini-statement Pay your friends, family, credit card or utility bills just use Online Banking to set up and make your first payment to each new payee beforehand Move money between your accounts Near me find your nearest cash machine Top up your mobile Branch Locator Download your app free from your app store. To find out more, visit natwest.com/mobile Mobile Standard message and data rates apply when using Mobile Banking. Sometimes extra network charges can apply when you use the service abroad. Please check with your network provider. Pay Your Contacts Need to pay someone but don t have their bank details? Pay Your Contacts enables you to use just their mobile number. They ll get a text and the money will be in their account within one business day of them claiming it. You can send up to 250 a day to anyone with a Visa debit card and UK mobile number this way. Get Cash: Mobile Banking also lets you get up to 250 in cash without your debit card. To use this service you must: Be within your daily withdrawal limit. Have at least 25 available funds to withdraw from your account (including any overdraft facility). Have available funds in your account to cover the amount requested. Simply use the app to select an amount from and request a secure cash code. The code is valid for up to three hours and can be used at any NatWest, RBS or Tesco cash machine (service not available for ipad). 4

5 Online Banking Our Online Banking service can help you can manage your money quickly and easily, 24 hours a day, 365 days a year. You can: Check your balances. View your statements and search for transactions going back up to seven years. Make transfers between your accounts. Pay friends, family and bills instantly. View and manage your Direct Debits and standing orders. Receive paperless statements. Keeping you safe and secure online or on your mobile You re protected by our Online and Mobile Security promise. This means we ll refund money lost from your account if you ve been a victim of banking fraud in keeping with our obligations. To stay safe and to be protected by our promised, follow the guidance at natwest.com/security Free security software To help keep your identity safe and protect your online banking login details you can also download our Rapport software for free natwest.com/rapport New Up to 7 years of printable statements available through Online Banking You can now download all your statements as a PDF directly from Online Banking for free, and print them to use as proof of your identity, address or income. Up to 7 years of your statements are stored securely for you, so they re always quick and easy to find. If you haven t already done so, go paperless now. It s quick and easy to register all you need is your account number, sort code and debit card number. Just go to natwest.com/online and follow the step-by-step instructions. 5

6 Telephone Banking Wherever you are home or abroad you can use Telephone Banking anytime, day or night. Our team is in the UK, with staff on hand to help 24 hours a day, seven days a week. It s a free service just pay for the cost of your call. Choose our quick and easy automated service or talk directly to a Customer Service Office Get information about any of your accounts not just your Student Account Get real-time balances and up-to-the-minute statements Make instant transfers, pay bills and make payments to family and friends Manage standing orders and direct debits Order cheque books, paying-in books and statements. Register online or call (Minicom ). 6

7 Alerts Services Our Alerts Services helps you keep up to date with what s going on in your account. You ll need to sign up for some of these, but you can do this in a couple of minutes. Limit Alerts get a text when your account hits any upper or lower limit you set. Good to confirm when you ve been paid or to warn you that you re about to go overdrawn. Balance Alerts we ll send your account balance to your mobile phone once a week on any day you choose. You could decide to receive an update each Friday, so you know how much you have to play with over the weekend. Act Now Alerts our alerts can help you reduce or even avoid fees for returned payments. These texts or s specify the time by which you should have cleared funds in your account to cover all payments and keep your account in credit or within any arranged overdraft limit. To find out more and register, go to natwest.com/alerts or visit any NatWest branch. 7

8 Emergency Cash If your debit card is lost or stolen, our 24-hour Emergency Cash service will come to your rescue. Here s how it works: Call us immediately on (Minicom ). We ll ask you a few quick security questions before giving you a code that will be valid for 3 hours and will allow you to withdraw your money at any NatWest, RBS or Ulster Bank cash machine in the UK. If you use Online Banking you can withdraw up to 300. If you don t, you can still withdraw up to 60 to tide you over, if you have enough money in your account. You must have at least 25 in your account to use this service (including any overdraft facility). As for organising a replacement card, we ll make sure we get one to you within 24 hours of you reporting it missing. If your debit card is lost or stolen call us immediately on

9 Interest Free Overdraft You can apply for an overdraft at any point in the year whenever you need extra funds to see you through a difficult financial patch. Not only is your overdraft easy to arrange, it s also interest-free. That means you don t need to pay us back a penny more than you borrow whilst you re on student terms. The whole amount will be interest free, provided you stay within your agreed limit and continue to use your Student Account as your main bank account. This means you must deposit at least 750 every 6 months and making at least 3 debit transactions every month. If you stop using your account as your main current account then the interest rate you pay on the overdraft will revert to the standard rate which applies to the Select Account. For details of our rates of interest see our leaflet Personal & Private Current Account Fees & Interest Rates. How much can I borrow? All Student Account customers starting their first year of university will have the following thresholds applied, however you can apply for an overdraft of any value up to that amount. You can increase the overdraft limit each year all you need to do is to contact your local branch. Year 1 Year 2 Year 3 Year 4 Year 5 up to 1,000 up to 1,250 up to 1,500 up to 1,750 up to 2,000 To help keep your money manageable, we normally offer the folllowing limits across the three terms of your first year: 1st term 2nd term 3rd term ,000 Never borrow more than you need. It s important to keep borrowing to a minimum. Only ask for an overdraft to cover the extra funds you really need. Credit facilities are available to over 18s only. Overdraft repayable on demand. Just pop into your nearest branch to arrange 9

10 You 10

11 tastecard Membership Enjoy 2 for 1 meals or 50% off your food bill with your tastecard. As a member of the UK s largest dining club, you get discounts at thousands of restaurants across the UK, including Pizza Express, GBK and Strada as well as many local favourites. To receive your tastecard you must sign up to Online Banking and you must choose to receive paperless statements. Once you ve done this then you ll get your tastecard within five working days. Some restaurants may impose certain restrictions, for example: Exclude tastecard use on Friday or Saturday. Limit you to a maximum number of people for 50% off the food bill. Two meals for the price of one is available for two people only and is across all courses ordered; the cheapest or equivalent dish of each course being free. Side dishes and extras are not included. Require a telephone booking prior to arrival. For a list of all participating restaurants visit tastecard.co.uk/natwest You can order a replacement tastecard for 15 (at your cost). For full terms and conditions, please see pages 16 to 19 of this brochure. 11

12 Need any help? That s what we re here for We have a range of special services designed to help you make the most of your time at university. You ll find details of these over the next few pages. Student Credit Card Our Student Credit Card is the perfect partner to your Student current account. A credit card can help you manage your money by giving you the option to pay in a way that suits your budget at the time. You ll get an initial 500 maximum credit limit, there s no annual fee and you also get up to 56 days interest-free credit if you pay your balance (and your previous month s balance) in full and on time each month. Apply online at natwest.com/creditcards Credit facilities: over 18s only. The convenience of managing your card online Check your balance or make a payment using Online Banking. No need to worry about missing a payment A Direct Debit means you ll always pay your bill on time. You can settle the balance in full or choose any other amount, but we don t recommend just making the minimum payment, as you ll still have to pay interest on any outstanding balance. You must have sufficient funds to pay your Direct Debit successfully. Representative 18.9% APR (variable) 12

13 Student Essentials Insurance Insurance cover for your essentials NatWest Essentials Contents cover is specifically designed for students and those living in rented accommodation to help protect the items most valuable to you. Protection wherever you stay The policy is easy to set up and is available if you are living in halls of residence or shared accommodation. We can also set it up on your university address if you don t know where you ll be living yet. What s covered? With NatWest Essentials Contents insurance, you can specify the level of cover (up to 14,000) so that you only pay for what you need. This includes cover for lost or stolen college library books (up to 200) and college items on loan (up to 500), so you won t be out of pocket should something happen. You also have the option to add extra cover for valuable items such as laptops, mobile phones and bicycles, including when taken outside your home. Little extras NatWest Essentials Contents insurance also offers you little extras, such as a 24 hour emergency helpline and cover for the cost of replacing content that you have purchased and stored on your mobile phone or home entertainment equipment if these are lost or stolen (up to 250). NatWest Essentials Contents insurance is underwritten by U K Insurance Limited. For more insurance information: Call (Minicom ). Visit natwest.com/ studentinsurance Pop into your local branch. 13

14 You also get all this Visa Debit card As long as you have enough money in your account, you can use your card to: withdraw up to 300 a day from any cash machine or Post Office in the UK, or withdraw cash from any cash machine overseas showing the Visa sign shop in-store or online. Direct Debits and standing orders Remembering to pay bills by their due dates can be a hassle. So don t forget, we ll always be happy to set up Direct Debits and standing orders for you. It s important to check you always have enough money in your account to cover these, as you may be charged an Unpaid Item Fee for any payment we are unable to make. Please see the Personal and Private Current Account Fees and Interest Rates leaflet for more info. Cheque Books You can choose to have a cheque book with your Student Account. Yes, we still use them and they can come in handy sometimes. To order yours, call (Minicom ). To find out more visit natwest.com or ask at any branch. 14

15 What s next? If you ve changed your NatWest current account to a Student Account, you can continue to use your existing debit card and PIN If you are new to NatWest, please make sure you ve activated your debit card. You ll find the activation instructions on your card. If you have not received your debit card and PIN, please call us on (customers with hearing and speech impairments can contact us by Minicom ) If you haven t already done so, you can register for Online Banking, Telephone Banking and Mobile Banking at natwest.com making your everyday banking easier Remember to log in online to membership services to view all your benefits Any questions? If there s anything you need to know, just call us on (Minicom ) or pop into any branch. You ll also find plenty of information at natwest.com We ll be in touch over the next few months to check how things are going and help you make the most of your account. If you have not received your debit card and PIN, please call us on

16 Student Account tastecard Terms These Terms form part of the Student Account - A guide to benefits referred to in our NatWest Personal & Private Current Account Terms and are part of the agreement between you and us for your Student Account. 1. Benefit provider This benefit is provided by Taste Marketing Ltd (registered in England and Wales under number ) (taste). 2. Registration You are automatically registered for this benefit when: (i) your account is opened; (ii) you have registered for Online Banking; and (iii) you have elected to receive e-statements. 3. What is tastecard 3.1. A dining card allowing you access to a participating restaurant s offer to: at the participating restaurant s option EITHER: % off total food bill of the booking (but not beyond the maximum booking), OR courses for the price of 1 course for each course ordered (cheapest item in each course is deducted from the bill) (side dishes and extras are not included) (maximum booking is 2 diners per booking) but not during excluded days/times. The offer cannot be combined with any other deals, incentives, set menus, other menus or other offers by the participating restaurant. You should expect to order from the standard à la carte menu. The offer does not include service charge (and before you book you can check with the participating restaurant if this would apply) and includes VAT. 4. What is the maximum booking The maximum number of diners permitted for a particular booking is shown on the participating restaurant s listing available through the NatWest tastecard website tastecard.co.uk/natwest 5. What are the excluded days/times 5.1. Each participating restaurant has the option to exclude from the offer: Fridays, Saturdays and all of December; days and/or times in the week when a standard à la carte menu is not available at that restaurant; and other days which are peak days for dining out for it (e.g. Mothers Day, Fathers Day, Valentines Day, event days, match days, local festival days, bank holidays and bank holiday weekends), as shown on its detailed listing available through tastecard.co.uk/natwest. To avoid disappointment please do check the excluded days/times as the offer excludes peak days for dining out 16

17 6. What else do I need to know about the offer 6.1. The offer is subject to the participating restaurant: being open on the day and at the time requested; and having space to take your booking A participating restaurant may at any time: withdraw from the tastecard club; or add more excluded days/times; and/or change their offer. Before each booking (however it is made) you need to check what offer is available for the participating restaurant you wish to book and at which times. Terms 5 and 9.3 tell you how to find this information. 7. When do I get my tastecard taste will send a tastecard to you and each other account holder to your account address within 5 working days of the later of the following two dates: i) the date your account is opened; or ii) the date on which you elect to receive e-statements (via Online Banking). 8. Who can use my tastecard 8.1. Only you can make a booking with your tastecard for you and your dining party (up to the maximum booking) Your tastecard and your tastecard membership cannot be used by or be transferred to any other person. 9. How do I make a booking 9.1. You can make a booking once you receive your tastecard You can only make a booking if your tastecard has not expired. The expiry date of your tastecard is shown on the front of your tastecard You can view details of: the participating restaurants; the excluded days/times applying to a participating restaurant; and the maximum booking for it, through tastecard.co.uk/natwest If a telephone icon appears on the listing for the participating restaurant you need to make the booking by telephone in advance and mention tastecard Where no telephone icon appears a booking can be made by: calling the participating restaurant; or visiting the participating restaurant; or using the online booking system available through tastecard.co.uk/natwest; or any other means that we tell you are available. 17

18 10. What do I do when I arrive at the participating restaurant You must present your tastecard (if it has expired, the offer will not be available). 11. What do I do if I lose my tastecard You can order a replacement tastecard for 15 (at your cost) by calling Payment must be by credit or debit card. Your credit or debit card will be charged when you place the order. The Minicom number is What do I need to do to renew my tastecard Nothing. Provided your account remains open a new tastecard will be sent out to your account address close to the time your then current tastecard expires. 13. What else do I need to know? Communications and complaints with taste If you need to contact taste you can contact taste: by natwest@tastecard.co.uk by phone: (Minicom ) with lines open 9am to 5pm Monday to Friday (except bank holidays and public holidays) by post: 22 Viaduct Street, Huddersfield HD1 6AJ If you make a complaint to taste, they will aim to resolve your complaint within 7 days, however they will acknowledge receipt of the complaint within 24 hours of it being received and update you on: who is dealing with your complaint; why it is still unresolved; what the next steps are. If after 7 days the complaint remains unresolved taste will issue a second letter explaining the reason that the matter is still unresolved and they will work to resolve it within the next 7 days. After 14 days taste will issue you with a letter resolving your complaint or explaining their final position Contract and tastecard terms and conditions By opening your account you enter into a contract with taste and become subject to these Terms. These Terms apply instead of the terms and conditions, privacy policy and website policy on the standard tastecard website, tastecard.co.uk, at any time Your information We share your information with taste in accordance with General Term 1.3 of our NatWest Personal & Private Current Account Terms, to the extent needed for them to provide this benefit to you. If you choose to sign up to receive offers, services and/or marketing directly from taste or any other person in connection with this benefit or its use, you will be bound by their own privacy policy and other contractual terms, which they would make available to you. 18

19 13.4. No responsibility for bad restaurant/website experiences and related loss/damage Any losses or liability arising from or in connection with purchasing food from a participating restaurant are matters between you, the individual affected and the participating restaurant We and taste are not liable (to the fullest extent permitted by law) for: any bad experiences or bad food at any participating restaurants; any loss of income, revenue, business, profits, contracts, goodwill, anticipated savings and/or lost management/office time or any other loss or damage as a result of any of: the use of this benefit; the NatWest tastecard website, the standard tastecard website, any third party websites (or the content of or materials on any of those websites); the non-availability of the NatWest tastecard website, the standard tastecard website, any third party websites, in each case whether occurring directly, indirectly or as a consequence of any of those uses or non-availability; any loss or damage to any computer equipment, programs or data caused directly, indirectly or as a consequence of use of the NatWest tastecard website, the tastecard website, the third party websites and/or downloading from any of them We and taste give no warranty or other assurance about: any goods/services accessed through or displayed on the NatWest tastecard website or the standard tastecard website; the accuracy of any material displayed on the NatWest tastecard website or the standard tastecard website. Any disputes relating to any of the circumstances referred to in Terms , , or above are between you (and/or the individual affected) and the participating restaurant you booked This Term 13.4 does not affect your statutory rights and does not affect any liability for death or personal injury arising from negligence, misrepresentation which is fraudulent or on a fundamental matter or any other liability which cannot be excluded or limited by law. tastecard is a trademark of Taste Marketing Ltd. 19

20 National Westminster Bank Plc. Registered in England & Wales. No Registered Office: 135 Bishopsgate, London EC2M 3UR. NWB August 2013