Terms and Conditions

If your turnover is £25m+, please read your applicable Terms and Conditions for products or services.

For the relevant terms and conditions for your products and services below please click on the appropriate link.

Ways to bank expandable section
Telephone Banking - PhoneBank for Business

Telephone Banking - Commercial Telephone Banking

Business Internet Banking

Commercial Banking Online

Text Alerts (PDF, 72KB)
Business Accounts expandable section
Business Account

For full details of your terms and conditions please view documents below.

General Conditions (PDF, 797KB)

Product Specific Conditions (PDF, 1MB)

Account Charges & Processing Times (PDF, 1.1MB)
School Bank Account

For full details of your terms and conditions please view documents below.

General Conditions (PDF, 797KB)

Product Specific Conditions (PDF, 62KB)

Account Charges & Processing Times (PDF, 1.1MB)
Treasurers Account (available up to £50,000 turnover)

For full details of your terms and conditions please view documents below.

General Conditions (PDF, 797KB)

Product Specific Conditions (PDF, 94KB)

Account Charges & Processing Times (PDF, 1.1MB)
Credit Union Account

Please click on the links below for full details of your terms and conditions.

General Conditions (PDF, 797KB)

Product Specific Conditions (PDF, 61KB)

Account Charges & Processing Times (PDF, 1.1MB)
Commercial Loan Servicing Account

For full details of your terms and conditions please view documents below.

General Conditions (PDF, 797KB)

Product Specific Conditions (PDF, 1MB)

Account Charges & Processing Times (PDF, 1.1MB)
Savings expandable section
Business Banking Instant Access Account

For full details of your terms and conditions please view documents below.

General Conditions (PDF, 797KB)

Product Specific Conditions (PDF, 1.05MB)

Account Charges & Processing Times (PDF, 1.1MB)

Business Banking Instant Access Account Product Summary Box (PDF, 71KB)
Business Banking Clients' Call Account

For full details of your terms and conditions please view documents below.

General Conditions (PDF, 343KB)

Additional Conditions for Business Banking Clients Call Account (PDF, 109KB)

Account Charges & Processing Times (PDF, 1.1MB)

International Services Tariff (PDF, 100KB)

Joint and Several Liability (PDF, 74KB)
Designated Client Account

For full details of your terms and conditions please view documents below.

Designated Client Account Terms and Conditions (PDF, 2.7MB)

Account Charges & Processing Times (PDF, 1.1MB)

Joint & Several Liability (PDF, 1.2MB)
Business Instant Access Account

For full details of your terms and conditions please view the documents below.

General Conditions (PDF, 797KB)

Product Specific Conditions (PDF, 1.05MB)

Account Charges & Processing Times (PDF, 1.1MB)

Business Instant Access Account Product Summary Box (PDF, 71KB)
Commercial Instant Access Account

For full details of your terms and conditions please view the documents below.

General Conditions (PDF, 797KB)

Product Specific Conditions (PDF, 1.05MB)

Account Charges & Processing Times (PDF, 1.1MB)

Commercial Instant Access Account Product Summary Box (PDF, 68KB)
Commercial Undesignated Client Account

For full details of your terms and conditions please view the documents below.

Commercial Undesignated Client Account Terms and Conditions (PDF, 101KB)

Commercial Undesignated Client Account (PDF 88KB)

Account Charges & Processing Times (PDF, 1.1MB)

Joint & Several Liability (PDF, 74KB)
Commercial Designated Client Account

For full details of your terms and conditions please view documents below.

Commercial Designated Client Account Terms and Conditions (PDF, 2.7MB)

Designated Client Account Product Information (PDF 89KB)

Account Charges & Processing Times (PDF, 1.1MB)

Joint & Several Liability (PDF, 1.2MB)
Cards expandable section
These Terms & Conditions apply to Business Credit or Charge Cards. You can view the terms by selecting the appropriate card:

Business Credit Card CCA (PDF, 181KB)

Business Credit Card Non-CCA (PDF, 177KB)

Business Charge Card CCA (PDF, 196KB)

Business Charge Card Non-CCA (PDF, 173KB)
Specialist Accounts expandable section
Commercial Insurer Trust Account

For full details of your terms and conditions please view the documents below.

General Conditions (PDF, 797KB)

Product Specific Conditions (PDF, 1.05MB)

Account Charges & Processing Times (PDF, 1.1MB)
Commercial Segregated Funds Account

For full details of your terms and conditions please view the documents below.

General Conditions (PDF, 797KB)

Product Specific Conditions (PDF, 1.05MB)

Account Charges & Processing Times (PDF, 1.1MB)
Payment Services expandable section
Bacstel-IP Indirect

Bacstel-IP Direct

Pay & Collect Online

Funding

Creaming

Direct Postal Lodgements

BCS

Bulk Cheque Processing Service (PDF, 173KB)

Branch Delivery Service (PDF, 901KB)
International expandable section
Business Banking Foreign Currency Account & Euro Current Account

Terms & Conditions (PDF, 123KB)

Account Charges & Processing Times (PDF, 1.1MB)

Joint & Several Liability (PDF, 101KB)

Commercial Foreign Currency Account & Euro Current Account

Terms & Conditions (PDF, 125KB)

Currency Account Product Factsheet (PDF, 854KB)

Account Charges & Processing Times (PDF, 1.1MB)

Need to know (PDF, 4.36MB)

Joint & Several Liability (PDF, 101 KB)
Business Finance Assistant expandable section
Business Finance Assistant Terms & Conditions (PDF, 135KB)

Business Finance Assistant Information Brochure (PDF, 67KB)

Business Finance Assistant Data Protection Notice
Cardnet Cardnet expandable section

Terms and agreements

Cardnet Operating Agreement and Manual (PDF, 12MB)
Cardnet Merchant Agreement (PDF, 257KB)

Cardnet reporting tools

Business Track Merchant Services and Licence Agreement (PDF, 126KB)
Merchant Portal Term and Conditions (PDF, 1.7MB)