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1、BANKINGCHARGESEverythingyouneedtoknowinoneguide86349_M52510_0913.indd112/08/201312:31ContentsYourguidetoourcharges1Currentaccountcharges2Borrowingfromuswithanoverdraft4OurControlOption7Examples–UnplannedOverdraftFees9DebitcardandCashpoint®cardcharges11Otherservices1
2、2Chequeclearingprocess13Voicinganyconcerns13286349_M52510_0913.indd212/08/201312:31YourguidetoourchargesIfyouhaveapersonalaccountatanyofourUKbranches,thisguidetellsyoueverythingyouneedtoknowaboutourmainfeesandcharges.Youmightfindithelpfultokeepitwithyourbankstatemen
3、tsanduseittoplanaheadandavoidunnecessaryfees.Unlessyoupayamonthlyaccountfeeforanaccountofyourmonthlybillingperiod.Thisisusuallyfromwithaddedbenefits,wedon’tnormallychargeyouthesecondofeachmonthtothefirstofthenextforeverydaybanking–providingyouraccountisinmonth,butit
4、canvary.Ifyou’dliketocheckwhatyourcredit.Therearesomeevents,however,likeusingmonthlybillingperiodispleasejustaskusinbranch,yourcardsabroad,wheretheremaybecharges.orcalluson08453000000.This guidewilltellyouexactlyhowthechargeswork,Therearesomechargesthataremadeatthet
5、imeweandwhentheymaybeapplied.provideyouwiththeservice,forexample,whenyouIfyouwanttouseaservicewehaven’tcoveredhere,useyourdebitcardabroad.we’llalwaysletyouknowbeforeyouarecharged.Othercharges,suchastheMonthlyOverdraftUsageIfwemakeanychangestofeesorservicesyouFee,ove
6、rdraftinterestorUnplannedOverdraftDailyregularlyusewe’llalwaysletyouknowbeforeFees,areworkedoutattheendofthemonthlybillingyou arecharged.periodandwe’llalwaysletyouknowtheamountbeforetheyaretakenfromyouraccount.WhenchargesareappliedIfyouchangeanaccountorservicethatha
7、saregularfeeattachedtoit,suchasaMonthlyAccountfee,partDifferentfeesaretakenfromyouraccountatwaythroughyourbillingperiod,you’llonlypayforthedifferenttimes.Forexample,regularfeeslikemonthlytimeyou’veactuallyhadit.accountfeeswillcomeoutofyouraccountattheend186349_M5251
8、0_0913.indd112/08/201312:31CurrentaccountchargesTocheckwhattypeofcurrentaccountyouhavepleaseseeyourstatement,visitusinbranchorcall08453000
