Terms & Conditions Personal Banking

danskebank.co.uk

Ef fect ive from 6 April 2020

These General Terms and Condit ions and any SpecialTerms and Condit ions which apply to you, supersede anyprev ious versions of the Terms and Condit ions.

Terms and Conditions Personal Banking

General Terms and Condit ions Personal BankingContentsPagePage Page

Section General Information 1–31 – Good Banking

– Payment Services Part 1 – What should You do if You have a dispute

relating to Your Account?– Important information about compensation arrangements– Things You Should Know

– How You can contact Us

Section Def init ions 4–61

Part 2

Section General Terms and Condit ions 7–451 Personal Accounts

Part 3 – Opening an Account and Services on Your Account – Joint Accounts – Payments into Your Account – Types of payments that can be made into Your Account – Cheque Payments into Your Account – Payments out of Your Account – Types of payment that can be made from Your Account – Our Liability to You – Your Liability to Us (excluding cheque payments) – Using a Third Party Provider (TPP) to provide You

with Account Information Services – Refusing Payments or Stopping the use of Your Card or Services – Payments from Your Account – Cheque Book Service – 24 Hour Telephone Banking and eBanking (including Mobile Banking) – Debit Cards – Branch Service – Overdrafts – Fees and Service Charges – Interest on Your Account

– Exchange Rates – Statements – Security – Closing the Account – Package Agreements with Us – Dormant Accounts – Cancellation Rights under the Financial Services (Distance Marketing) Regulations 2004 – Change of Personal Details – Use of Your personal and business

information – Notices and communication – Variation of these Terms and Conditions – General - Right of Set-of f – Governing Law – Payment Table

Section Special Terms and Condit ions 46–58 2 Personal Current Accounts (on sale)

– Danske Cash Reward– Danske Choice – Danske Freedom– Danske Standard– Danske Discovery– Currency Account

Section Special Terms and Condit ions 59–64 3 24 Hour Telephone Banking Serv ice

Section Special Terms and Condit ions 65–76 4 eBanking and Electronic Signature

Section Special Terms and Condit ions 77–85 5 Debit Mastercard Personal Cards

Section Special Terms and Condit ions 86–87 6 Automated Deposit Serv ice

Section Special Terms and Condit ions 88–96 7 Personal Sav ings Accounts (on sale)

– Danske Prestige Savings Account – Danske Choice Plus Savings Account– Savings Account Plus Account– Summit Account– Danske Discovery Savings Account – Junior Savings Account– Danske Midas Account – Danske eSaver Account – Danske Fixed Term Deposit

Section Key Features and Special Terms and 97–114 8 Conditions Danske Cash ISA (on sale) Danske Cash ISA

– Product Information– Special Terms and Conditions

Danske Junior Cash ISA– Key Features

– Special Terms and Conditions

Section Special Terms and Condit ions for 115–118 9 Danske 3D Secure

Section Special Terms and Condit ions 119–12010 Personal Current Accounts (of f sale)

– Danske Prestige– Danske Choice Plus– Danske 24/7– Principal Account – Current Account Personal– ChequeMaster Account– Current Account Plus– CashMaster Account

Section Special Terms and Condit ions 121-12611 Personal Sav ings Accounts (of f sale)

– Danske Midas Notice Account– SaverPlus Account– Treasury Fixed Term Deposit Account

Not all payment services are available on allaccounts. You need to check the terms andconditions for your account for more information.Where we provide you with a payment service youexplicitly consent to us accessing, processing andretaining personal data for the purposes ofprovision of the payment service.

What should You do if You want a copy of Youragreement?You can request a copy of Your agreementincluding these terms and conditions at any timeby contacting Us in one of the ways set out in thisPart 1. We can provide this on paper, or inelectronic format, free of charge. You can also viewa copy on Our Website at danskebank.co.uk/docs.

What should You do if You have a disputerelating to Your Account?If you are not happy with any part of our service,please ask us for a copy of our leaf let ‘Puttingthings right for you’ or v isit our website. We aim todeal with complaints in a way our customers aresatisf ied with.

If you have followed our published complaintprocedures and you disagree with the response wehave given, you can refer the matter to theFinancial Ombudsman Service. Details areavailable from us or from www.f inancial-ombudsman.org.uk.

Part 1: General informat ion

These General Terms andConditions are also availablein Braille, in large print, ontape and on disk. Pleasespeak to a member of staf ffor details.

These General Terms and Conditions are writtenand available only in English and We undertake tocommunicate with You in English.

Make sure You read and understand these GeneralTerms and Conditions and any Special Terms andConditions for Your Account or Service beforeopening an Account.

Good BankingWe comply with the FCA’s requirements to pay dueregard to customers’ interests and to treatcustomers fairly.

Payment Serv icesWe provide a range of payment services including • enabling cash lodgements and withdrawals;• processing electronic payments such as

standing orders, direct debits and onlinebanking payments; and

• enabling debit card payments

Alternatively, if you have a complaint about anyproduct or service you bought from us online andyou disagree with the response we have given, youmay use the online dispute resolution platform,which is available on www.ec.europa.eu/odr torefer the matter to the Financial OmbudsmanService.

You will also be able to contact the FinancialConduct Authority (FCA) or the Payment SystemsRegulator (PSR) if You think that We have brokenthe Payment Services Regulations 2017.

The FCA and the PSR will use this information toinform their regulatory activities. More informationcan be found athttps://www.psr.org.uk/sites/default/f iles/media/PDF/PSR-PSD2-approach-factsheet-Sep-2017.pdf

Important information about compensationarrangementsWe are covered by the Financial ServicesCompensation Scheme (FSCS), the UK's depositguarantee scheme. The FSCS can paycompensation to depositors if a bank is unable tomeet its f inancial obligations.

Your elig ible deposits with Us are protected upto a total of £85,000 by the FSCS. Any depositsYou hold above the £85,000 limit are unlikely tobe covered. Please see the FSCS InformationSheet and Exclusions List at danskebank.co.uk/fscs-personal for more detail.

Sect ion 1

General information

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Things You should knowWhen You open an account with Us, Your accountagreement is with Northern Bank Limited,registered in Northern Ireland (registered numberR568) registered off ice and head off ice addressDonegall Square West, Belfast BT1 6JS. The termsand conditions which We give You when You open anaccount with Us will apply to that agreement.

Danske Bank is a trading name of Northern BankLimited which is authorised by the PrudentialRegulation Authority and regulated by the FinancialConduct Authority and the Prudential RegulationAuthority, Financial Services Register referencenumber 122261. We comply with the FCA’srequirements to pay due regard to customers’interests and to treat customers fairly. Details of ourregistration can be found at www.fca.org.uk/register, or by contacting the FCA on 0800 1116768.

Northern Bank Limited is a member of the DanskeBank Group

Our main business is to provide f inancial services inthe form of a bank and to provide associatedproducts and services, including Payment Services.

Our VAT Number is GB853759092.

General information

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Secure communication using eBanking

eBanking’s secure emailfunction allows You toread and send messages to and fromthe bank

• Log on to eBanking• Select ‘Contact Us’• Select ‘New Message’• Type Your message• Send Your message

Secure communication using Danske Mobile Bank

Danske Mobile Bank allowsyou to read and sendmessages to and from thebank

• Log on to the App• Select 'Messages'• Tap on the pencil icon and write your message

Secure communication using Our Website at danskebank.co.uk

To arrange an appointment Fill in the ‘Arrange anappointment’ form

Email us Go to danskebank.co.uk/email

For help with installing andusing eBanking Fill in the ‘Online Form’

By Post

Write to Danske Bank PO Box 2111BelfastBT10 9EG

HOW YOU CAN CONTACT USYou can contact Us if you have any questions or queries or toarrange an appointment by:

• phoning Us; or• writing to Us through eBanking or by post or• through Our Website at danskebank.co.uk

Notes1. Support from General Service or eBanking customer support will not be available on bank holidays or other holidays in Northern Ireland when the bank is not open for business.2. We may record or monitor calls to conf irm details of our conversations, and for verif ication and quality purposes. Call charges may vary - please contact your phone company for details. Customers calling

from mobile phones may be charged a dif ferent rate.3. Please note that the cost to call our Customer Services UK area codes on 0345 or 0370 within the UK is always the same as calling a local or national landline number.4. We aim to respond to communications sent to us securely using eBanking, the Danske Mobile Bank app or Our Website within two days. These services may be temporarily unavailable, or it may take us longer to receive your message, when we are carrying out routine maintenance.

How to contact Us by phone (see notes 1, 2 and 3 below) How to contact Us by writing (see note 4 below)

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Days Time Contact number

General Service Monday to FridaySaturday and Sunday

8am to 8pm9am to 5pm

028 9004 9221/0345 600 2882

eBanking customer support (technical enquiries and questions about how the service works) (see the notes below)

Calls within the UKMonday to ThursdayFridaySaturday and Sunday

8am to 10pm8am to 5pm9am to 4.30pm

0345 603 1534

Calls from outside the UK Monday to ThursdayFridaySaturday and Sunday

8am to 10pm8am to 5pm9am to 4.30pm

+44 2890 049219

24 hour emergency phone numbers - Lost or stolen cards

Mastercard Standard, Mastercard Standard Plus and Mastercard 24/7

Mastercard Gold

Mastercard Platinum and Mastercard Platinum Plus

Debit Mastercard

0800 032 4368

From outside the UK +44 800 032 4368

General information

Definitions

institution need to be members of the CHAPSScheme;“Cheque Clearing System” means, in respect of acheque paid into an account, the process by which aPayee’s account is credited and a Payer’s account isdebited with the amount of a cheque, as referred toin the Payment Table;“Credit Interest” means the amount of interest thatWe will pay You;“Credit Transfer” means a national or cross-borderpayment service (such as FPS or SWIFT) forcrediting a Payee’s payment account with a paymentor a series of payments from a Payer’s paymentaccount by the payment service provider whichholds the Payer’s payment account, based on aninstruction given by the Payer; “Customer Agreement” means the agreementbetween Us and You relating to a Package;“Cut-off Time” means a time (as set out in thePayment Table), usually towards the end of theBusiness Day after which any payment orderreceived (whether to credit or debit Your Account)will be deemed to have been received on thefollowing Business Day. The Cut-off Time for anypayment order received at a branch counter willalways be before the branch closing time on thatBusiness Day. On Christmas Eve (or the lastBusiness Day before 25th December) the Cut-offtime for standing order, cheque, direct debit andfuture dated payments out of Your Account is11.30am;“Debit Interest” means the amount of ArrangedOverdraft Interest that You owe Us;“Direct Debit” means an instruction from Youauthorising an organisation to collect varyingamounts from Your Account so long as You havebeen given advance notice of the collection amount

“Bacs” means the Bacs payment scheme used byUK banks for the electronic processing of f inancialtransactions, principally direct debits and Bacsdirect credits. The Bacs payment schemeoperates on a 3 day processing cycle so that thePayee's account is credited 2 days after theprocess commences;“BIC” means the Bank Identif ier Code, sometimesknown as a SWIFT Code. The BIC for Your Accountwith Us is DABAGB2B;“Business Day” means a Monday, TuesdayWednesday, Thursday or Friday (excluding Bank andother holidays in Northern Ireland) on which theBank is usually open for business (there areexceptions to this definition which apply in relationto some Services such as CHAPS and FPS). Furtherdetails are set out within the Definitions in thePayment Table. In relation to a Payment Transaction,a Business Day means any day on which the Bank isopen for business as required for the execution of aPayment Transaction;“Card” means a Debit Mastercard Card issued onYour Account. The Card may or may not bear aContactless Indicator; “Cardholder” means a person to whom the Bankissues the Card and includes any AdditionalCardholder;“Card Based Payments” are payments out of YourAccount made using a card which has been issuedby a Third Party Provider. They do not includepayments made using a Debit Mastercard Cardissued on Your Account or any credit card that Wehave issued to You; “CHAPS” means the CHAPS payments system usedfor sending money within the UK by electronicallyprocessing sterling bank to bank same day valuepayments. Both the sending and receiving f inancial

Part 2: Def init ions Any references to European Economic Area, EEA,European Union, EU, Europe or Member State(s) inany of our documentation shall be deemed toinclude the United Kingdom during the Brexittransition period.“Account” means any personal current or savingsaccount which You hold with Us and to which Wehave told You these General Terms and Conditionswill apply;"Account Information Serv ices" means servicesof the type described in Clauses 5.5.9 (a) (i) and 8;“Account Number” means the combination of Yoursix digit Sort Code and eight digit account numberwhich are used to identify Your Account. Thecombined fourteen digits appear on Your bankstatements and are referred to as Your AccountNumber;“Addit ional Cardholder” means any person Youhave asked Us to give a Card to so that they canuse the Account;“Agreement” means the agreement between Usand You relating to an Account which is covered bythese General Terms and Conditions and anySpecial Terms and Conditions for the Account.These General Terms and Conditions and anySpecial Terms and Conditions may be altered fromtime to time in accordance with Clause 27;“Arranged Overdraf t" is where We agree inadvance that You may borrow money when there isno money left in the Account; “Arranged Overdraf t Interest" means interestYou pay when You have an Arranged Overdraft oran arranged excess in accordance with Clause 14;“Authorised User” means a person who You haveauthorised to access Your Account and to whomWe have issued an Electronic Signature;

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and dates by the organisation. Direct Debits are onlyavailable for Domestic Electronic Payments;“District” means Our internet-based off ice-bankingsystem for business customers;“Domestic Electronic Payment” means either:(i) sending money within the UK (in sterling); or(ii) receiving money within the UK (in sterling);"eBanking" means Our internet-based bankingsystem for personal customers;“Electronic Payment” means a payment which isinitiated and processed using electronic means andspecif ically excludes paper based transactions suchas cheques and banker's drafts;"Electronic Signature" means Your user ID,passcode and one time password for accessing Ouronline services, signing documents or giving Usinstructions electronically. You may not be requiredto use every part of Your Electronic Signature eachtime You log on, sign or instruct Us;“Entry Date” means either the date that a cheque orother item paid into Your Account appears on it, orthe date You ask Us to make a payment from YourAccount. (In both instances, it is the date that Weconsider ourselves to have received Your paymentinstruction);“Faster Payments Service” or “FPS” means thepayments service for sending money within the UKwhich enables payments to be processed in nearreal time. Both the sending and receiving f inancialinstitution need to be members of the FPS Schemeand certain f inancial limits apply;"FCA" means the Financial Conduct Authority;“Foreign Payment” means either:(i) Sending money within the UK (in a currency

other than sterling);(ii) Sending money outside the UK (in any

currency);

(iii) Receiving money within the UK (in a currencyother than sterling); or

(iv) Receiving money from outside the UK (in anycurrency);

“Guaranteed Date” means the date after which itwill no longer be possible for a cheque or other itempaid into Your Account to be returned unpaid, unlessYou give Your consent as the Payee, for this or Youare knowingly involved in fraud;“IBAN” means International Bank Account Number.The IBAN for Your Account with Danske Bank isstated on Your statements and is also available bycontacting Your Branch;“Internal Transfer” means a transfer of money froman Account which You hold with Us to anotherAccount held with Us;“Mandate” means the document completed by You inorder to give a person (whether an Account Holderor not) access to an Account;“Open Banking APIs” means the ApplicationProgramming Interfaces used by Open BankingLimited to share customer information securely;“Originator” means the merchant, supplier orvendor who initiates a Direct Debit paymentrequest;“Package” means a combination of an Account andcertain other banking products or Services forpersonal customers as selected by You and referredto in Your Customer Agreement;“Payee” means the person to whom a payment suchas a cheque is made payable or the owner of anaccount to which a payment is to be credited (whichever applies);“Payer” means the owner of an account from whicha payment is to be debited;

"Payment Initiation Services" means services ofthe type described in Clause 5.5.9 (a) (ii);“Payment Services” means such Services as Weprovide in relation to payments into and out of YourAccount;"Payment Services Regulations” means thePayment Services Regulations 2017 (SI 2017/752)as amended from time to time;“Payment Table” means the table set out at the endof Part 3 of these General Terms and Conditions;"Personalised Security Credentials" means thepersonalised features provided by Us (such as YourPIN and all the parts of Your Electronic Signature) toenable You to authenticate Yourself for the purposesof accessing Your Account;“PIN” means the confidential personal identif icationnumber that We give You to enable You to accessYour Account or Service using a paymentinstrument such as a Card;“PSR” means the Payment Systems Regulator;“Service” and “Services” means any service whichis available on Your Account (including PaymentServices) such as allowing You to access and/oroperate Your Account through Our eBankingServices, or allowing You to borrow on Your Accountby means of an overdraft;“Sort Code” means the six digit number which isused to identify Your bank Branch for domesticpayments;“Standing Order” means an instruction to makespecif ied payment(s) from Your Account on aspecif ied date(s);“Strong Customer Authentication” meansauthentication based on two or more elements thatare independent. The elements are (a) somethingthat You know, (b) something that You possess and

Definitions

5

(c) something that is inherent to You. A full definitionis set out in the Payment Services Regulations; "Third Party Provider" ("TPP") means anindependent provider of services which can offerAccount Information Services or Payment InitiationServices to You, or which issues instruments formaking Card Based Payments out of Your Account;“Unarranged Overdraft” is where You borrow moneywhen there is no money left in the Account (or whenYou have gone past any Arranged Overdraft limit)and this has not been agreed with Us in advance;“Value Date” means the date by which We takeaccount of any item paid into Your Account, or anyitem paid out of Your Account, when We work outany relevant interest;“We”, “Us”, “Our” or “the Bank” means NorthernBank Limited having its registered off ice address atDonegall Square West, Belfast (registered numberR568). Danske Bank is a trading name for NorthernBank Limited;“Website” means danskebank.co.uk;“Withdrawal Date” means the date by which You willbe able to withdraw the proceeds of a cheque or anyother item paid into Your account;“You”, “Your” or “Account Holder” means the personor persons who has or have opened an Account withUs subject to these Terms and Conditions. Wherethis comprises more than one person, these Termsand Conditions will apply to such persons jointly andseverally as referred to in Clause 2;

“Your Branch” means the branch at which theAccount is held. The address of Your Branch will beprovided to You when You open Your Account, andon request at any time. If You wish to contact Yourbranch then You should write to Danske Bank, PO Box 2111, Belfast, BT10 9EG;

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Definitions

General Terms and Conditions

Overdraft. This is known as ‘joint and severalliability’. Clause 29 deals with Our right ofset-of f.

2.2 Subject to Clause 2.3, the Account can beconducted in joint names and You canrequest that We accept the instruction ofonly one of You to operate the Account. Thismeans that each one of You can withdraw allthe funds without reference to the other.

2.3 If the Account is part of a Package and is inthe name of more than one person, We willrequire the Mandate to conf irm that We canaccept the instruction of any Account Holderto operate the Account.

2.4 If the Account is in the name of more thanone person, then in the event of the death ofone of You, separation, divorce or any otherchange in the arrangements between You,You will need to contact Your Branch todiscuss the operation of the Account. • On the death of one of You, We will contact

the surviving Account Holder(s) to discussthe future operation of the Account. Wewill usually accept instructions from thesurviving Account Holder(s) and any creditbalance will usually pass to the survivor(s).If the Account is overdrawn, all AccountHolders and the estate of the AccountHolder who has died are jointly andindividually responsible for the debt.

• If one of the joint Account Holders becomesbankrupt, We will stop the account. It willthen be under the joint control of the otherAccount Holders and the person who isresponsible for dealing with the bankruptAccount holder’s assets.

• If We believe that one of the joint AccountHolders is no longer mentally capable of

leaf let ‘How we use your personal andbusiness information’.

1.3 If required by law or good practice, We candecline an application (without payinginterest in respect of any proposed deposit),or end this Agreement at any time, payinginterest earned (if any). Any capital orinterest due to You can be paid by chequedrawn by the Bank and payable to You andsent to You at the address last known to YourBranch.

1.4 You may only use Your Account for personalpurposes.

1.5 The Bank, in its discretion, provides a rangeof Services on Your Account. Not all Servicesare available on all Accounts. A Service isavailable on Your Account unless theseGeneral Terms and Conditions or the SpecialTerms and Conditions for Your Accountindicate otherwise. We can in Our discretionintroduce a new Service subject to such feesand service charges as We may decide.Details of any such service will be displayedin Your Branch and on Our Website.

2. Joint Accounts2.1 You should only open a joint Account if You

and the other joint Account Holdersunderstand the commitments You areentering into. Each joint Account Holder isseparately responsible, and together You arejointly responsible, for all the debt on thejoint Account. This is the case even if onlyone of You has put money into the Account orif only one of You has taken money out of theAccount. Similarly, all joint Account Holdersare jointly and individually responsible forany overdraft, whether or not it is anArranged Overdraft or an Unarranged

Part 3: General Terms andCondit ions Personal Accounts

These General Terms and Conditions apply to allAccounts and any Service connected with YourAccount. Any additional Special Terms andConditions applicable to a particular Account orService must be read along with these GeneralTerms and Conditions. Where any Special Termsand Conditions are not consistent with theseGeneral Terms and Conditions then those SpecialTerms and Conditions shall apply to the extent ofthat inconsistency.

We have underlined certain Clauses within theseGeneral Terms and Conditions in order to makethem more prominent for You and to draw them toYour specif ic attention. It is important howeverthat You read all of these terms and conditions.

This Agreement will continue in full force andef fect until the Account is closed in accordancewith the provisions of this Agreement.

1. Opening an Account and Serv ices on YourAccount

1.1 You may apply to open an Account with Usprovided that the Account is available to newapplicants. The Special Terms and Conditionsfor the Account will set out any particularrequirements which apply to the Account.The Account will be operated in sterlingunless the Special Terms and conditionsstate otherwise.

1.2 Before You can open an Account with Us Youmust provide satisfactory evidence of Yourname and address. We can also take upreferences, if appropriate. You must alsoconf irm that You have received a copy of Our

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3.1 Payments into Your Account – timescalesthat apply

Part 1 of the Payment Table sets out thetimings that will normally apply to paymentsmade into Your Account. You should be awarethat the Payment Table is subject to variousassumptions as referred to therein. The dateof receipt of a payment into Your Account willbe the Entry Date as set out in the PaymentTable. Payments into Your Account receivedafter the Cut-of f time may be credited on thefollowing Business Day and the time periodsreferred to in the Payment Table will becalculated accordingly.

3.2 Fees and Service Charges Where You ask Us to make a payment into

Your Account then fees and service chargesmay apply as set out in Our ‘Fees and servicecharges explained’ and ‘Fees and servicecharges explained - foreign payments’leaf lets.

3.3 Payments into Your Account – Servicesavailable

In relation to each of the Services set outbelow it is Your responsibility to ensure thatthe information which We are provided within order to make the payment is accurate.With the exception of a cheque payment intoYour Account, We will be liable only for theexecution of the payment request inaccordance with the Sort Code and AccountNumber for the Payee or, where applicable,the BIC and IBAN for the Payee (the BIC isnot required for Euro payments to EEAcountries) which has been provided to Uswith the payment, irrespective of any otherinformation that may have been provided toUs with the payment request. It is veryimportant that the Payer checks this

2.8 If You have a joint account then We will sendstatements on any current account to all ofthe joint Account Holders unless You haveagreed that We need only send thestatements to one of You. All joint AccountHolders should take steps to check jointAccount statements which showtransactions and the Account balance. Youmust not leave this to only one, or some, ofthe other Account Holders. By reviewing andmonitoring all the payments to and from theaccount, all joint Account Holders can makesure that the Account is being used in thecorrect way.

3. Payments into Your Account Subject to these General Terms and

Conditions and to any Special Terms andConditions for Your Account, payments canbe made into Your Account by You orsomeone else using any of the means set outin Clause 3.3. Each of the Services set out inClause 3.3 will be available with YourAccount unless the Special Terms andConditions for Your Account state otherwise.

The terms and conditions set out in thisClause 3 will only apply (1) to a paymenttransaction which takes place wholly withinthe EEA and in an EEA currency and (2) tothose parts of any payment transactionwhich take place within the EEA where eitherof the following applies:(a) both the Payer and the Payee are in the

EEA but the currency of the transaction isnot an EEA currency; or

(b) either, but not both, the Payer and thePayee is in the EEA (irrespective of whatcurrency the transaction is in).

managing their affairs, We will stop thejoint Account. The Account can only beused again as set out in the instructionsfrom a person appointed by the court tomanage that person’s affairs, and the otherjoint Account Holders.

• If We receive notice, or We become aware,that there is a disagreement between thejoint Account Holders (for example, there isa dispute about the joint Account or thejoint Account Holders divorce, or separate),We will stop the Account until all the jointAccount Holders have told Us how theywant the Account to be used in the future.

2.5 If the Account is in the name of more thanone person, any Account Holder canterminate the Mandate. We will request thereturn of any Cards and cheque books. AllAccount Holders must agree to any variationof the Mandate. In the absence of agreementWe may terminate the mandate.

2.6 If the Mandate ceases to be ef fective for anyreason, We shall remain entitled to honourany payment instructions and to chargethese to the Account and You shall be liablefor any transactions or withdrawals (andassociated costs, service charges andexpenses) made or authorised under theMandate. It is Your responsibility to ensurethat all cheques, Cards and other relevantitems are returned to Us as soon as theMandate ceases.

2.7 If You have a joint Account We may send allinformation about Your Account to theaddress of the person whose name appearsf irst in Our records for Your Account. Youmust tell Us if You wish to receive anyinformation or correspondence separately.

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the wrong account.(c) You give Your consent for the payment to

be made into Your Account when Wereceive a request to make a cashlodgement to Your Account in one of theways set out at (a) above. If You wish towithdraw Your consent to a payment thathas been made into Your Account thenYou should contact Your Branch andprovide Us with such further informationas We may request.

3.3.2 Cheque Payments into Your Account Please refer to Clause 4 for the terms and

conditions that apply.3.3.3 Domestic Electronic Payments

(a) A Domestic Electronic Payment is apayment which has been received fromanother UK Bank using FPS, CHAPS orBacs. Domestic Electronic Payments canbe paid by way of Credit Transfer orStanding Order.

(b) In order to make a Domestic ElectronicPayment into Your Account You mustensure that We are provided with thecorrect Sort Code and Account Number,or where applicable, the BIC and IBAN forYour Account otherwise the payment maybe paid into the wrong account.

(c) You give Your consent for the payment tobe made into Your Account when Wereceive a valid request, through FPS,CHAPS or Bacs to credit Your Account. IfYou wish to withdraw Your consent to apayment that has been made into YourAccount in this way then You shouldcontact Your Branch and provide Us withsuch further information as We mayrequest. You are reminded that if Youreceive a payment by mistake then You

must be sorted by denominationbefore being presented and all sterlingcoin must be sorted by denominationand presented in full bags. You will beprovided with a printedacknowledgement by the Post Of f ice®on completion of the lodgement whichYou should retain for Your ownrecords. (Cash deposits made to YourAccount at a Post Of f ice® branch willbe value dated and made available toYou immediately. Although Youravailable balance will be adjustedimmediately the Entry Date on Yourstatement will be the next BusinessDay. Please refer to the Payment Tablefor further details).

(iv) by using one of Our Branches – Youcan pay in sterling notes and coins intoYour Account. We may set limits onthe amount of cash that You can pay inover the counter at one of OurBranches. We may also agree toaccept payments into Your Account atone of Our Branches in a currencyother than sterling. If We do so We willuse the Danske Bank Exchange Rate(UK) in accordance with Clause 17.We will advise You of the rate beforeWe convert the foreign currency intosterling.

(b) In order to make a cash payment into YourAccount You must ensure that We areprovided with the correct Sort Code andAccount Number or; where applicable theBIC and IBAN for Your Account or; forpayments into Your Account using YourCard the details from the Card -otherwise the payment may be paid into

information carefully before authorising thepayment. Further information on Our liabilityis set out in Clause 6.

We may refuse to make a payment into YourAccount where You have not provided Uswith the information that We require orwhere it is reasonable for Us to refuse tomake the payment. We will, where possible,notify You if We refuse to make a paymentinto Your Account and advise You of Ourreasons.

3.3.1 Cash Payments into Your Account(a) Cash in the form of sterling notes and

sterling coins can be paid into YourAccount. We may set limits on theamount of cash that You can pay into YourAccount. You can pay cash into YourAccount in one of the following ways:(i) by using the Express Deposit Service -

the terms and conditions for thatService will apply;

(ii) by using an Automated Depositmachine in one of Our Branches - theSpecial Terms and Conditions -Automated Deposit Service will apply;

(iii) by using the Post Of f ice® - You maypay cash, in the form of sterling notesor sterling coins, into Your Account atPost Of f ice® branches in the UK usinga valid Card for the Account that Youwish to credit. We will use the detailsfrom the Card to identify the Sort Codeand Account Number of the Account tobe credited. You may deposit up to£20,000 in sterling notes and up to£250 in sterling coins in a singledeposit (restrictions may apply insome Post Of f ice® branches – ask Usfor further details). All sterling notes

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4.1.1 A sterling cheque drawn on a bank in the UKmay be paid into Your Account. When thisapplies, You agree that We will deal with thatcheque subject to the rules and clearingprocesses of any cheque clearing system(s)(the ‘Cheque Clearing System’) that We use.

The cheque will be processed in accordancewith the timelines set out in the relevantsection of Part 1 of the Payment Table.

4.1.2 When You lodge a cheque to Your AccountYou agree that once the cheque has beenpresented for payment, the original chequewill be destroyed within three Business Days.Where the cheque is returned unpaid, Youhave a right to receive an image of thecheque together with a notice setting out thereason why the cheque has not been paid.The reason will no longer be notated on theoriginal cheque or on the image of thecheque, but will be recorded within theCheque Clearing System. This means that acheque cannot be paid twice. We can alsosupply You with a certif ied image of thecheque subject to the payment of therelevant fees and service charges set out inOur ‘Fees and service charges explained’leaf let. We agree that the image of thecheque will be created and produced incompliance with the rules of the ChequeClearing System. You can ask Us for a copy ofthe rules of the Cheque Clearing System. Youagree that, provided We can give You animage of the cheque, as set out in this clause,We will not be responsible to You if Yousuf fer any loss as a result of the originalcheque having been destroyed.

receive a payment by mistake then Youare legally obliged to inform Us so thatWe can take the necessary steps toreturn the funds to the Payer.

3.3.5 Internal Transfers(a) An Internal Transfer is an Electronic

Payment into Your Account which hasbeen made from another Account heldwith Us – whether in Your name or thename of someone else.

(b) In order to make an Internal Transfer intoYour Account You must ensure that Weare provided with the correct Sort Codeand Account Number for Your Accountotherwise the payment may be paid intothe wrong account.

(c) You give Your consent for the payment tobe made into Your Account when Wereceive a valid request, through Ourinternal systems to credit Your Account.If You wish to withdraw Your consent to apayment that has been made into YourAccount in this way then You shouldcontact Your Branch and provide Us withsuch further information as We mayrequest. You are reminded that if Youreceive a payment by mistake then Youare legally obliged to inform Us so thatWe can take the necessary steps toreturn the funds to the Payer.

3.3.6 Card Payments into Your Account Please refer to the Special Terms and

Conditions – Debit Mastercard PersonalCard.

4. Cheque Payments into Your Account4.1 Sterling Cheques drawn on a United

Kingdom (UK) Bank

are legally obliged to inform Us so thatWe can take the necessary steps toreturn the funds to the Payer.

3.3.4 Foreign Payments into Your Account(a) A Foreign Payment into Your Account is

an Electronic Payment which meanseither:(i) receiving money within the UK (in a

currency other than sterling); or(ii) receiving money from outside the UK

(in any currency). Such payments may be received by Usthrough various payment systems forexample, SWIFT. We will convert any non-sterling payment to sterling before Wecredit it to Your Account using theDanske Bank Exchange Rate (UK) for therelevant currency. Fees and servicecharges may apply as set out in Our ‘Feesand service charges explained – foreignpayments’ leaf let.

(b) In order to make a Foreign Payment intoYour Account You must ensure that Weare provided with the correct Sort Codeand Account Number, or whereapplicable, the BIC and IBAN for YourAccount otherwise the payment may bepaid into the wrong account.

(c) You give Your consent for the payment tobe made into Your Account when Wereceive a valid request, through therelevant payment system to credit YourAccount. If You wish to withdraw Yourconsent to a payment that has been madeinto Your Account in this way then Youshould contact Your Branch and provideUs with such further information as Wemay request. You are reminded that if You

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• all other non-sterling cheques and Eurocheques drawn on banks in the UK willreceive value six Business Days after thedate of purchase by Us. Your statementwill show the sterling equivalent of thecheque, (calculated at the Danske BankExchange Rate (UK) for the relevantcurrency in accordance with Clause 17)being credited to the Account on the dayof receipt. After the Value Date thedrawee bank may still return the chequeunpaid. If this happens We will debit YourAccount with the amount of the chequeand advise You accordingly.

4.4 General prov isions about cheques 4.4.1 If a cheque made payable to another person

is paid into Your Account, the other personshould sign the cheque on the back. We mayalso require further details to conf irm Yourright to the cheque before accepting it forcredit to Your Account and may decline toaccept it. If, for example, the cheque iscrossed ‘Account Payee’ or ‘NotTransferable’, We can only credit it to theAccount of the Payee.

4.4.2 We may, at Our discretion, request thatcheques (including sterling cheques drawnon a bank outside the UK and non-sterlingcheques) are sent for collection. If a chequeis sent for collection then it does not gothrough the Clearing Cycle and the ValueDate will be the date that the proceeds arereceived from the drawer’s bank. The fundswill be credited to Your Account on the ValueDate and the Withdrawal Date andGuaranteed Date will also be the same as theValue Date. The collection process can takeseveral weeks and is dependent upon thetime taken by the paying bank to process the

process the lodgement We will contact You,where possible, to advise You.

4.1.5 If You pay a cheque into Your Account and lodge the cheque at a branch of the Bank, You can ask for the cheque to be specially

presented, rather than sent through theCheque Clearing System. This means thatthe cheque will be sent directly to the branchof the bank that it was drawn on to conf irmthat they will pay it. A cheque (including forthe avoidance of doubt a cheque presentedfor payment at the branch of the Bank onwhich it was drawn) will only be treated asspecially presented if You have made it clearto the cashier at the time You pay the chequeinto Your Account that You wish the chequeto be specially presented and You have paidthe appropriate fee. Where a cheque isspecially presented the original cheque willnot be destroyed and the provisions of the4.1.1 to 4.1.4 above will not apply.

4.2 Sterling Cheques drawn on a non UK Bank A sterling cheque drawn on a bank outside

the UK may be paid into Your Account. Sucha cheque may not be able to go through theClearing Cycle and may take longer to becleared.

4.3 Non-Sterling Cheques A non-sterling cheque may be paid into Your

Account. If this applies, We will purchase thecheque in order to give You the sterlingequivalent. The following Value Dates willapply:• Euro cheques drawn on a bank in the

Republic of Ireland will receive valuethree Business Days after the date ofpurchase by Us;

4.1.3 Where You have received a notice that acheque You have lodged to Your Account hasbeen returned unpaid, the notice will alsoinform You whether or not the cheque can bere-presented for payment. The notice will besent to You by f irst class post to the addressthat We hold for You on Our records or bysuch other means as We may deemappropriate. The notice that We send Youwill include an image of the cheque.

4.1.4 Sterling cheques drawn on a UK Bank may bepaid into Your Account at most Post Of f ice®branches in Northern Ireland (see OurWebsite for details of any restrictions on thisservice).

To use this service You must place thecheque(s) together with a completed pre-printed Bank Giro Credit into a depositenvelope which is specif ically branded withthe Danske Bank logo and the Post Of f ice®logo for this purpose. You must follow theinstructions which are detailed on theenvelope and then give the sealed envelopeto a Post Of f ice® teller who will issue Youwith a printed acknowledgement which Youshould keep for Your own records. Thisservice cannot be used to make a specialpresentation of a cheque for payment. If Youuse this service to make a deposit to YourAccount before the cut of f time which appliesin the Post Of f ice® branch where You makethe deposit then We will receive the envelopeon the next Business Day and that will be theEntry Date which appears on Your statement.Further details are set out in the PaymentTable. If there is a discrepancy between theamount entered on the Bank Giro Credit slipand the amount found in the envelope orthere is any other reason why We cannot

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make payments out of Your Account. We callthis authority a Mandate. Where You havegiven someone else a Mandate then We willact on their instructions. There are dif ferenttypes of Mandate as set out in Clauses 5.4.2– 5.4.5.

5.4.2 You can give someone a Mandate to accessYour Account by using Services available atOur Branch counters or to sign cheques onYour Account.

5.4.3 You can authorise someone to access YourAccount using Our 24 Hour TelephoneBanking Service and We will issue them withthe Telephone Banking Security Informationto enable them to access Your Account usingOur 24 Hour Telephone Banking Service.

5.4.4 You can authorise someone to access YourAccount using a Debit Mastercard on YourAccount. We will issue them with a DebitCard which will have the name of the personYou have authorised on it and We will issuethat person with a PIN. They can only accessYour Account using the Debit Card and,where applicable, the PIN. The person Youhave authorised is known as an AdditionalCardholder.

5.4.5 You can authorise someone to access Your Account using eBanking. You do not

need to be registered for eBanking in orderto do this. We call the person who You haveauthorised in this way an Authorised Userand We will give them an ElectronicSignature to access Your Account. You canauthorise them to be able to see theinformation about Your Account that isaccessible in eBanking (“view only”) or Youcan authorise them to be able to see YourAccount information and also be able to

Account when We check the balance We willpay the item.

Further information on the fees and servicecharges and interest rate that applies forrefusing a payment due to lack of funds canbe found in Our ‘Fees and service chargesexplained’ and ‘Interest rates’ leaf lets.

5.2 Payments out of Your Account – timescalesand Spending Limits that apply

Part 2 of the Payment Table sets out thetimings that will normally apply to paymentsmade out of Your Account. You should beaware that the Payment Table is subject tovarious assumptions as referred to therein.We reserve the right to restrict the amountthat You can withdraw from Your Accountdepending on the Service that You are using.Spending Limits are set out in the PaymentTable and are subject to change.

Spending Limits (such as a limit on theamount of cash You can withdraw from acash machine per day) are set out in thePayment Table. We will give You reasonablenotice of any changes to the Spending Limitswhere it is possible to do so. You can viewthe current Spending Limits atdanskebank.co.uk/docs by clicking on thePayment Table.

5.3 Fees and Service Charges Where You ask Us to make a payment out of

Your Account then fees and service chargesmay apply as set out in Our ‘Fees and servicecharges explained’ and ‘Fees and servicecharges explained - foreign payments’leaf lets.

5.4 Granting someone else authority to accessand operate Your Account

5.4.1 You may grant someone else authority toaccess Your Account information and to

request.

5. Operations on Your Account Subject to these General Terms and

Conditions and to any Special Terms andConditions for Your Account, operations onYour Account can be carried out by You orsomeone authorised by You (in accordancewith a Mandate) using any of the Servicesset out in Clause 5.5. Each of the Servicesset out in Clause 5.5 will be available withYour Account unless the Special Terms andConditions for Your Account state otherwise.

The terms and conditions set out in thisClause 5 will only apply to (1) a paymenttransaction which takes place wholly withinthe EEA and in an EEA currency and (2)those parts of any payment transactionwhich take place within the EEA where eitherof the following applies:(a) both the Payer and the Payee are in the


(b) either, but not both, the Payer and thePayee is in the EEA (irrespective of whatcurrency the transaction is in.

5.1 Payments out of Your Account – Refusing apayment due to lack of funds

In relation to each of these Services if You donot have enough money in Your Account (orwhere payment would take You past YourArranged Overdraft limit), by the Cut-of f timeset out in the Payment Table on the day thatan item is due to be paid You cannot be surethat the payment will be made. We will checkthe balance on Your Account up until the Cut-of f time on the day that the payment is due tobe made. If there is enough money in Your

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Originator may ask You to sign theInstruction or may collect Your consent insome other way. If You want to withdrawYour consent then You should contactYour Branch and We will make no furtherpayments under the Direct DebitInstruction. You should contact Us beforethe close of business on the day beforethe next payment is due to be made fromYour Account. You cannot withdraw Yourconsent to a payment which has alreadybeen debited to Your Account.

5.5.2 Standing Orders(a) A Standing Order is an instruction to Us

to make specif ied payments from YourAccount on specif ied dates. You can onlymake a sterling Standing Order paymentfrom Your Account to an account held with another Bank in the United Kingdom.There are dif ferent types of StandingOrder:(i) Internal Standing Order to service a

loan or mortgage account with Us-If You make a payment by internalStanding Order to a loan or mortgageaccount with Us, the date that We takethe loan or mortgage repayment willbe the date that the loan or mortgagerepayment is due to be paid. This datewill be set out in Your loan ormortgage agreement. If You do nothave enough money in Your Account,or where a payment would take Youpast Your Arranged Overdraft limiton the due date then We will continueto check Your Account for a further 4Business Days. If at the time that Wecheck Your Account balance during

carefully before authorising the payment.Further information on Our liability is set outin Clause 6.

5.5.1 Direct Debits(a) A Direct Debit is an instruction from You

to Us conf irming that We may pay moneyout of Your Account to a specif ied thirdparty (the ‘Originator’). It authorises theOriginator to collect varying amountsfrom Your Account. You can only set upsterling Direct Debits from Your Accountwith Us.Direct Debits are protected by the DirectDebit Guarantee Scheme. If an error ismade in the payment of Your Direct Debit,by the Originator or by Us, You areentitled to a full and immediate refund ofthe amount paid from Your Account. If Youreceive a refund You are not entitled to,You must pay it back when We ask You to.Further details about the Direct DebitGuarantee Scheme can be found atwww.directdebit.co.uk

(b) In order to set up a Direct Debit on YourAccount the Originator must provide Uswith a completed Direct Debit Instructionwhich should include the Sort Code andAccount Number for the Account whichYou want Us to debit and the Sort Codeand Account Number of the account towhich the funds are to be transferred.Sometimes the Originator will alsorequire You to provide a meaningfulreference so that the Originator canidentify Your payment.

(c) You provide Your consent by completingthe Direct Debit Instruction. The

make payments from Your Account in thesame way as You are able to do (“full rights”).An Authorised User can also use theElectronic Signature to access Your Accountusing the services of a TPP as set out inClause 5.5.9.

5.4.6 The person that You have authorised toaccess Your Account using one of the meansset out in this Clause 5.4 can give Yourconsent to make payments out of YourAccount and to use TPP services. We willtreat that consent in the same way as if Youhad given the consent Yourself. We will treatany such consent as valid and irrevocableonce it has been given.

5.4.7 You can ask Us to terminate a Mandate thatYou have given to someone else and We willcomply with that instruction. You mustcontact Us in one of the ways set out in “Howto contact Us”.

5.5 Payments out of Your Account – Servicesavailable

In relation to each of the Services set outbelow it is Your responsibility to ensure thatthe information which You provide to Us inorder to make the payment is accurate. Withthe exception of a cheque payment out ofYour Account, We will be liable only for theexecution of the payment request inaccordance with the Sort Code and AccountNumber for the Payee or, where applicable,the BIC and IBAN for the Payee (the BIC isnot required for Euro payments to EEAcountries) which You have provided to Us,irrespective of any other information thatYou may have provided to Us. It is veryimportant that You check this information

13


instruction by visiting Your Branch,telephoning Us, in eBanking or using aTPP.

(c) You provide Your consent by signing theStanding Order instruction form, or bytelephoning Us and giving Us a verbalinstruction after We have conf irmed Youridentity, or by using Your ElectronicSignature in eBanking.If We are advised of a change of SortCode and/or Account Number for abenef iciary named in a Standing Order(such change being advised to Us throughStanding Order File Amendment), We willmake these changes to the StandingOrder instruction with Us and Youconsent to Us making these changes.You can withdraw consent by contactingYour Branch, or by telephoning Us. SomeStanding Orders may also be cancelled byusing Your Electronic Signature. Youcannot withdraw Your consent to theStanding Order after the close ofbusiness on the Business Day before thenext payment is due to be paid (unlessYou, and We agree otherwise).

5.5.3 Cash Payments(a) You can withdraw cash from Your

Account in a number of ways. If Youwithdraw Cash using Your Debit Card, forexample at a Post Of f ice® or at a cashmachine, then the Special Terms andConditions – Debit Mastercard PersonalCard will apply. You can also withdrawcash from Your Account at any of OurBranches as set out below. You can alsoask Us to issue You with a banker’s draftinstead of cash.

the date You have specif ied does notfall on a Business Day) and arrive inthe Payee’s bank’s account on thesame day.

(iv) Foreign Currency Standing OrderYou can set up a Standing Order forsending money outside the UK. Thepayment will leave Your Account onthe date specif ied (or the nextBusiness Day if the date You havespecif ied is not a Business Day). If thepayment is to be made in a currencywhich is not the same currency asYour Account then We will convert thepayment before it is sent using theDanske Bank Exchange Rate (UK). Thepayment will be credited to the Payee’sAccount as set out in the PaymentTable.

(b) In order to set up a Standing Order onYour Account You should complete aStanding Order instruction formcontaining the following information:(i) the name of the Payee;(ii) the Sort Code and Account Number of

the account to which the funds arebeing transferred (or the Payee's BICand/or IBAN if the payment is beingsent outside of the UK);

(iii) the Sort Code and Account Number ofthe account from which the fundsshould be sent; and

(iv) Any other information that We mayrequire from You in order to enable Usto make the payment (such as the f irstpayment date and the last paymentdate).

You can complete a Standing Order

that period, there is enough money inYour Account to make the paymentsWe will debit Your Account and makethe repayment to Your loan ormortgage account. We will treat thedate and time that there is enoughmoney in Your Account to make thepayment as the time of receipt of Yourinstruction. If, during the 4 BusinessDays after the due date for Your loanor mortgage repayments, We have notbeen able to make the payments, Wewill contact You to advise You that thepayment has not been made. Youshould always make sure that there isenough money in Your Account tomake Your regular loan or mortgagerepayments on the due date as set outin Your agreement. Any delay in makingYour regular loan or mortgagerepayment will result in You having topay more interest on that loan ormortgage account.

(ii) Internal Standing Order- which is not toservice a loan or mortgage account with UsThe payment will leave Your Accounton the date You have specif ied (or thenext Business Day, if the date You havespecif ied does not fall on a BusinessDay) and will be credited to thePayee’s account on the same day.

(iii) External Standing OrderIn this case the Payee’s account isheld with another Bank in the UnitedKingdom. The payment will leave YourAccount on the date You havespecif ied (or the next Business Day, if

14


use the Faster Payments Service to makethe payment unless the Payee’s Bank isunable to receive payments using thatmeans, in which case You may choose tosend the payment either by CHAPS or byBacs.

(b) In order to make a Domestic ElectronicPayment at one of Our Branches You willneed to conf irm Your identity, quote theSort Code and Account Number of theAccount from which You wish to make thepayment and then complete theinformation set out in the applicationform. This will include the Payee name,the Payee’s Sort Code and AccountNumber and the amount that You wish totransfer. There will be fees and servicecharges for this Service as set out in Our‘Fees and service charges explained’leaf let.

(c) You give Your consent to make the DomesticElectronic Payment by signing theapplication form. You cannot withdraw Yourconsent once the payment has been made.

5.5.9 Third Party Providers (TPPs) You can use TPP services to aggregate Your

Account information, make payments out ofYour Account and to make conf irmation offunds requests, if You are registered foreBanking and have an Electronic Signature.All references to You in this Clause 5.5.9include an Authorised User with anElectronic Signature to access Your Account.You must have an Electronic Signature thatallows You to make payments out of YourAccount to use Payment Initiation Services.

currency other than sterling). You can make a Foreign Payment usingvarious means. The Special Terms andConditions for the Service that youchoose to make the payment will apply.You can also make a Foreign Payment atone of Our Branches as set out below.

(b) In order to make a Foreign Payment at oneof Our Branches You will need to confirmYour identity, quote the Sort Code andAccount Number of the Account from whichYou wish to make the payment and thencomplete the information set out in theInternational Money Transfer applicationform. This will include the Payee name, theSort Code and Account Number or, whereapplicable the BIC and IBAN for the Payee’sAccount and the amount that You wish totransfer. We will also need You to tell Uswhether You want the payment to be madein sterling or whether You wish Us toconvert the payment to a foreign currencybefore the payment is sent. There will befees and service charges for this Service asset out in Our ‘Fees and service chargesexplained – foreign payments’ leaf let.

(c) You give Your consent to make theForeign Payment by signing theInternational Money Transfer applicationform. You cannot withdraw Your consentonce the payment has been made.

5.5.8 Domestic Electronic Payments(a) You can make a Domestic Electronic

Payment using various means. TheSpecial Terms and Conditions for theService that You choose to make thepayment will apply. You can also make aDomestic Electronic Payment at one ofOur Branches as set out below. We will

(b) In order to make a cash withdrawal orrequest a banker’s draft at one of OurBranches You will need to conf irm Youridentity using a means that is acceptableto us, quote the Sort Code and AccountNumber of the Account from which thepayment is to be made and sign thewithdrawal slip.

(c) You give Your consent by signing thewithdrawal slip. It is Your responsibility tocheck that the amount of the cash (or thebanker’s draft) You have been given inresponse to Your request is correct. Youmust draw any discrepancy to Ourattention immediately. You cannotwithdraw Your consent to make a cashwithdrawal from Your Account once thepayment has been made.

5.5.4 Payments using Your Debit Card You can make a payment out of Your Account

using Your Debit Card. The Special Termsand Conditions – Debit Mastercard PersonalCard will apply.

5.5.5 Payments using eBanking You can make a payment out of Your Account using eBanking. The Special Terms and Conditions – eBanking and Electronic Signature will apply.

5.5.6 Payments using 24 Hour Telephone BankingService

You cannot make payments out of YourAccount using 24 Hour Telephone Banking.

5.5.7 Foreign Payments(a) A Foreign Payment is an Electronic

Payment out of Your Account whichmeans either: (i) Sending money outside the UK (in any

currency): or (ii) Sending money within the UK (in a

15


payment that You authorise. (d) You can revoke TPP access to Your

Accounts either directly with the TPP byfollowing its procedures, in eBankingunder 'Electronic mailbox & agreements'or by contacting Your Branch. Where You tell Us that You want towithdraw consent to a TPP being able toaccess Your Accounts We will complywith that request but it will not act as arevocation of consent to a payment thathas already been debited to Your Accountor to information that has already beenprovided to a TPP in response to aconf irmation of funds request or forAccount Information Services.

(e) We will only revoke a TPP’s access toYour Account if We believe its access tobe unauthorised or fraudulent, or if Webecome aware that it is no longerauthorised or regulated by an appropriateauthority.

5.5.10 Conf irmation of funds for Card BasedPayments out of Your Account

All references to You in this Clause 5.5.10include any Authorised User with anElectronic Signature to access Your Account.(a) We will conf irm whether an amount

needed for a Card Based Payment out ofYour Account is available when thisinformation is requested by the cardissuer if:(i) Your Account is accessible online at

the time We receive the request; and:(ii) before We respond to the f irst request

from that card issuer, You have givenUs Your consent to do so.

(b) If You use a TPP to make a payment out ofYour Account then You will need toconf irm the details of the payment,including the Sort Code and AccountNumber or, where applicable the BIC andIBAN, of the Payee and also the amount ofthe payment. When You conf irm thesedetails, We will process the payment asset out in the Payment Table.Any payment out of Your Account using aTPP service will be made from theAccount as a Credit Transfer even thoughthe Account is one of Our Credit Cards oris an Account on which one of Our DebitCards has been issued. Furtherinformation on how this may impact onthe protections that You have is set out inClause 6.5.6.

(c) Before using the services of any TPP Youmust be satisf ied that it is authorised andregulated by the FCA or another EuropeanRegulator. Further information aboutTPPs is available on Our Website atdanskebank.co.uk/open-banking. If Youconsent to a TPP accessing Your AccountWe will ask You to authenticate any TPPrequests that We receive by enteringYour Electronic Signature on a secureDanske Bank webpage – this will not bethe eBanking log on page. By enteringYour Electronic Signature, You give UsYour consent to provide information tothat TPP, make a payment that they haveinitiated or to respond to a conf irmationof funds request – whichever applies.The TPP will only be able to view theinformation that You specif icallyauthorise it to or to debit the specif ic

(a) TPPs are independent providers ofservices. If We provide You with a TPPservice then We will make that clear toYou at the time. TPP services can be usedto access any of Your Accounts which areaccessible online. Your Account will beaccessible online unless the SpecialTerms and Conditions for Your Accountstate otherwise. A list of the Accountsthat can be accessed through the OpenBanking APIs is also available on OurWebsite at danskebank.co.uk/open-banking. The following types of services areof fered by TPPs.(i) Account Information Services

These services allow customers toconsolidate information aboutdif ferent payment accounts to reviewtheir overall (aggregated) f inancialposition. Some TPPs may also of fer arange of associated services such asf inancial planning tools. Furtherinformation is set out in Clause 8.

(ii) Payment Initiation ServicesThese services help customers tomake a range of Credit Transfers outof their Account.

(iii) Card Based Payment services Some TPPs may issue instruments formaking Card Based Payments out ofYour Account. These TPPs may ask Usto conf irm whether an amount neededfor a payment using a card they haveissued is available in Your Account.Further information about how We willrespond to such requests is set out atClause 5.5.10.

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Your Account go overdrawn. If YourAccount goes overdrawn then theprovisions of Clause 14 will apply.

• If We have received a request to return apayment that has been made into YourAccount where the Payer has told his/herbank that the payment was made bymistake You agree that We may take thefollowing actions:(i) We may decide to protect the funds.

This means that We would take thefunds out of Your Account and creditthem to a suspense account. We willonly do this where We havereasonable cause to believe that thepayment has been made by mistake.

(ii) We will contact You to advise You ofthe action that We have taken and Wewill also advise You that We intend toreturn the funds to the Payer’s bank15 Business Days after the date ofOur letter to You.

(iii) If You object to the action that Wehave taken or that We propose to takethen You must advise Us before the 15Business Day period has ended andYou must state the reasons why Youobject. If You do not object within theperiod set out above then We willreturn the payment to the Payer's bankand there will be no requirement forUs to obtain any further consent fromYou.

Your signature, a verbal telephoneconsent after We have conf irmed Youridentity by whatever means We deemappropriate or by any other means thatWe have agreed with You. In all cases Wewill require You to provide Us with theSort Code and Account Number for theaccount from which the payment is to bemade and the Sort Code and AccountNumber (or where applicable) the BIC andIBAN for the Payee’s bank account. In allcases You cannot withdraw Your consentonce the payment has been made.

• where We have received an order of acourt or other regulatory body or a requestfrom a government body (such as HMRC)which has the necessary legislativeauthority to make such a request We willcomply with the order or request withoutthe need for any further consent from You.

• where We have received a request toreturn a payment from a bank that madea payment into Your Account as a resultof a mistake or error (for example, thatbank has incorrectly sent the paymenttwice) We will take the payment out ofYour Account and send it back to the bankwhich has made the request. We will onlydo this where the request to return apayment is made through an appropriateindustry body such as CHAPS ClearingCompany Limited or Bacs PaymentSchemes Limited. We will take thepayment out of Your Account even incircumstances where We have alreadypermitted You to make a payment out ofYour Account or where it would make

When We receive the f irst conf irmationof funds request from a card issuer, Wewill ask You to authenticate that request.We will show You all the informationrelating to the request, including who hasmade it, the Account it relates to and thedate on which Your consent for Us torespond to such requests from that cardissuer will expire, if any. We will then askYou to conf irm Your consent before Werespond to the request. We will onlyrespond with a ‘yes/no’ answer about theavailability of funds in a particularaccount to cover the amount specif ied inthe request. We will not provide detailsof Your Account balance or block funds onYour Account for payment. We willcontinue to respond to conf irmation offunds requests made by that particularcard issuer until either Your consentexpires, or You revoke it, whichever is theearlier.

(b) You can view Your conf irmation of fundshistory and revoke Your consent to Usresponding to conf irmation of fundsrequests in eBanking under 'Electronicmailbox & agreements' or by contactingYour Branch.

5.5.11 Other reasons that We can rely on to make apayment out of Your Account

We may also make payments out of YourAccount for one of the following reasons:• if You ask Us to make a payment out of

Your Account using a means which is notset out above then You will give Yourconsent to make the payment using ameans that We ask You to – this may be

17


and any interest You had to pay as a result ofOur mistake.

6.1.4 Where the payment was initiated through aTPP We will refund the full amount of thepayment to You and restore Your Account tothe position it would have been in had themistake not occurred as soon as We aremade aware of the matter. We will be liableto You for any charges for which You becameresponsible and any interest You had to payas a result of the mistake even where themistake was made by the TPP. We areentitled to seek recourse from the TPP if themistake was attributable to the TPP. We mayseek Your assistance where it is reasonableand necessary to do so in order to make sucha claim.

6.2 Our obligation to execute a payment request(excluding cheque payments) in accordancewith the timescales set out in the PaymentTable

Our obligations under this Clause 6.2 onlyapply to those parts of the paymenttransaction which take place within theEuropean Economic Area.

6.2.1 We are responsible for making sure that Weexecute a payment request made by You,whether as Payer or Payee, in accordancewith the timescales set out in the PaymentTable. We reserve the right to suspend ordelay a payment either into or out of YourAccount where We, acting reasonably, decideto carry out further checks. This couldhappen, for example, where We suspectfraud. In these circumstances, if We decideafter investigation to make the payment thenWe will still comply with the timescales forexecution of payments set out in thePayment Services Regulations.

is the case even though You may have givenUs additional information about the Payee.

If We can prove to You that We executed thepayment correctly in accordance with Yourinstructions then We will not be liable to Youfor any loss that You may have incurred. Inthese circumstances the Payee’s bank isliable to the Payee for the correct executionof the payment and must credit the Payee’saccount immediately and make the fundsimmediately available to the Payee.

If You initiate a payment into Your Account asPayee, We are responsible for making surethat We correctly transmit the paymentorder to the Payer's bank in accordance withYour instructions. We are liable only for theexecution of the payment transaction inaccordance with the Sort Code and AccountNumber, or where applicable the BIC andIBAN, for the Payer's bank account that Youprovided with the payment instruction. Thisis the case even though You may have givenUs additional information about the Payer.

6.1.2 Where You request Us to We will immediatelyand without charge make ef forts to trace anynon-executed or defectively executedpayment transaction and notify You of theoutcome.

6.1.3 Subject to Clause 6.5.4, if we fail to meet Ourobligations as set out in Clause 6.1.1 and asa result the payment is not made or is madeincorrectly We will refund the full amount ofthe payment to You and restore Your Accountto the position it would have been in had themistake not occurred, or, if applicable, Wewill re-transmit the payment order to thePayer's bank. We will be liable to You for anycharges for which You became responsible

(iv) If You object to Us returning the fundsto the Payer's bank, or there areinsuf f icient funds in Your Account toreturn the payment, then We will stillco-operate with the Payer's bank in itsef forts to recover the funds and thismeans that We can provide Your nameand address details to the Payer'sbank and they can share thatinformation with the Payer. Beforesharing Your name and address withthe Payer the Payer's bank should giveYou notice that that is what they intendto do.

6. Our Liability to You Where You instruct Us to make a payment or

a series of payments from Your Account, it isOur responsibility to ensure that We carryout Your instructions in accordance withthese terms and conditions. If We fail to meetany of Our obligations under this Clause 6then You can make a claim as set out inClause 6.4.

6.1 Our Obligation to execute a payment requestand to do so correctly (excluding chequepayments)

Our obligations under this Clause 6.1 onlyapply where both the Payer and the Payeeare in the European Economic Area.

6.1.1 If you initiate a payment out of Your Accountas Payer, We are responsible for making surethat We execute it in accordance with Yourinstructions. We are liable only for theexecution of the payment transaction inaccordance with the Sort Code and AccountNumber, or where applicable the BIC andIBAN, for the Payee’s bank account that Youprovided with the payment instruction. This

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6.4.3 If You are entitled to a refund under Clause6.1.3, 6.1.4, 6.2.2 or 6.3 We will credit YourAccount with the refund as soon aspracticable and in any event no later than theend of the Business Day following the day onwhich You have advised Us that the paymentwas not executed, executed incorrectly orexecuted without Your consent.

6.4.4 Even though We may have granted You arefund under Clause 6.3 if, following furtherinvestigation, We are satisf ied that You didgive Your consent to make the payment thenWe will debit the refunded amount from YourAccount without the need for any furtherconsent from You. We will contact You to tellYou the reasons for making the debit.

6.5 Limitations on Our Liability under this Clause 6

6.5.1 Subject to Clause 7.5, We will not provideYou with a refund under Clause 6.3 where:(a) If Your Account was in credit at the time

that the payment was made, We havereasonable grounds to suspect that You:(i) have acted fraudulently; or(ii) have, with intent or gross negligence

failed to comply with Your obligationsas set out in Clause 7.1 - 7.3.

(b) If Your Account was in debit at the timethat the payment was made, We havereasonable grounds to believe that:(i) You authorised the payment; or(ii) the transaction was carried out with

Your consent; or(iii) where Your Debit Card was used to

make the payment, the person usingthe Card acquired it with Your consent.

6.3.1 We will refund the full amount of thepayment to You and restore Your Account tothe state it would have been in had themistake not occurred. We will be liable to Youfor any charges for which You becameresponsible and any interest You had to payas a result of Our mistake.

6.3.3 If the Payee or the Payee’s bank does notaccept Strong Customer Authentication incircumstances where We are required toapply Strong Customer Authentication and apayment is made out of Your Account whichYou have not consented to then We will stillrefund You as set out in Clause 6.3.2. Inthese circumstances We are entitled to seekcompensation from the Payee or the Payee’sbank. We may seek Your assistance where itis reasonable and necessary to do so inorder to make such a claim.

6.4 How to make a claim under this Clause 66.4.1 You should contact Us as soon as You

become aware that a payment out of YourAccount has been incorrectly executed, notexecuted, executed late or where You havenot provided Your consent to make thepayment.

6.4.2 If Your claim relates to a payment that Yousay You have not authorised We may ask Youto complete and return a form to Us whichwill require You to give Us details about thepayment. We will investigate the payment,make further enquiries and may passinformation about the payment to other thirdparties including the police. We will only dothis where it is necessary and reasonable toinvestigate Your claim.

6.2.2 Subject to Clause 6.5, if we fail to complywith Our obligation set out in Clause 6.2.1then, if You are the Payer, We will requestthe Payee’s bank to ensure that the ValueDate of the payment is no later than the dateit should have been had the payment beenmade in accordance with the timescales setout in the Payment Table. We will do thiswhether the payment request was madedirectly to Us (by You or the Payee) orinitiated through a TPP. If You are the Payee,We will ensure that the amount of thetransaction is given a Value Date on YourAccount which is no later than the date thatit should have been had the payment beentransmitted correctly in accordance with thePayment Table. If, as a consequence of thelate execution of the payment transaction,You incur any charges or interest We willrefund those to You.

6.3 Our obligation to ensure that You have givenYour consent to a payment out of YourAccount (excluding cheque payments)

Our obligations under this Clause 6.3 onlyapply to those parts of the paymenttransaction which take place in the EuropeanEconomic Area.

6.3.1 We are responsible for making sure that apayment is not made out of Your Accountunless You have given Us Your consent in oneof the ways set out in Clause 5.5. We areresponsible for applying Strong CustomerAuthentication before making a payment outof Your Account where the Payment ServicesRegulations require Us to do so.

6.3.2 Subject to Clause 6.5 if We fail to complywith Our obligations as set out in Clause

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6.5.2 (a) We will not be responsible to You underthis Clause 6 where any failure on Ourpart was due to (i) abnormal orunforeseeable circumstances beyond Ourcontrol, the consequences of which wouldhave been unavoidable despite all Ouref forts to the contrary or (ii) Ourobligation to comply with any otherprovisions of applicable laws.

(b) We will not be responsible to You for theamount of any payment transaction whichoccurs as a result of a fault in Oursystems if the fault was obvious to You orYou were told about it by a message ornotice at the time of use.

6.5.3 We are not liable to meet any of therequirements set out in this Clause 6 wherethe payment transaction was based on apaper cheque of any kind including traveller’scheques or bankers’ drafts.

6.5.4 You must contact Us in one of the ways setout in Part 1 of these General Terms andConditions - Personal Accounts as soon aspossible, and in any event, within 13 monthsof the debit date on becoming aware of anyunauthorised, unexecuted or incorrectlyexecuted payment. Provided that We havecomplied with Our obligations to You We arenot liable to restore or refund Your Accountunder this Clause 6 if You contact Us morethan 13 months after the relevant debit date.The 13 month time limit does not apply to aclaim under Clause 6.3 where Your Accountwas in debit - but You should still make Yourclaim as soon as You become aware of theunauthorised transaction. This also does notapply to a claim under Clause 6.3 where apayment was made from Your Account underthe Direct Debit Guarantee Scheme. There is

no time limit in relation to a claim under theDirect Debit Guarantee Scheme. For anydebit to Your Account which was made morethan 13 months before the date of Your claimWe may take longer, acting reasonably, toinvestigate Your claim before We decidewhether or not to make a refund.

6.5.5 Where a payment out of Your Account ismade using Your Debit Card then the SpecialTerms and Conditions for the Card will apply.This means that We may be able to attempt achargeback of a disputed transaction as setout in Clause 5.10 of the Special Terms andConditions - Debit Mastercard PersonalCard.

6.5.6 Any payments out of Your Accounts whenYou are using the services of a TPP will betreated as Credit Transfers. This means thatthe provisions of this Clause 6 will apply andWe will not be able to make a claim under thechargeback provisions set out in Clause 5.10of the Special Terms and Conditions - DebitMastercard Personal Card (even though aDebit Card is linked to the Account) or aclaim either under Section 75 of theConsumer Credit Act 1974 or thechargeback provisions if the Account thatYou are accessing through the TPP is one ofOur credit cards.

7. Your Liability to Us (excluding chequepayments)

If You have granted a Mandate to someoneelse then You should ensure that theMandate holder is aware of Yourobligat ions under this Clause and takes anynecessary steps to enable You to complywith Your obligat ions.

7.1 You must not if y Us without undue delay, inone of the ways set out in Clause 7.2, af terbecoming aware of the loss, thef t,unauthorised use of or where You believethat someone else, may have copied orbecome aware of any of the following items:• Your Debit Card• Your PIN (Personal Identif icat ion

Number) used with Your Debit Card• Your Electronic Signature or any

component part of it• Any means that We have prov ided to

You for the purpose of generating onetime passwords

• Your Access Code Number for 24 HourTelephone Banking Serv ice

Nothing in this Clause prevents You fromgiv ing Your Electronic Signature to a TPPwhich is authorised and regulated by theFCA or another European Regulator. Beforegiv ing this information to a TPP You shouldsatisf y yourself that the TPP is authorisedand regulated by the FCA or anotherEuropean Regulator.

7.2 You can notif y Us, under Your obligat ion setout in Clause 7.1, by contacting Us in oneof the ways set out in Part 1 of theseGeneral Terms and Condit ions - Personal.

We will keep a record of any notif icat ionthat You made to Us under this Clause 7.2for a minimum period of 18 months and Wewill, on request, prov ide You with a copy ofthis record.

We will also prevent the use of thePersonalised Security Credentials that Youhave notif ied to Us.

7.3 You must take all reasonable steps to keepYour Personalised Security Credentials andthe items set out at Clause 7.1 safe. This


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(i) a payment that was made af ter Younotif ied Us in accordance with Clauses7.1 and 7.2;

(ii) You have been unable to not if y Usbecause We failed to prov ide You with ameans to do so under Clause 7.2;

(iii) where We are required under thePayment Serv ices Regulat ions to applyStrong Customer Authenticat ion but Wehave not done so;

(iv) the payment transaction was in respectof the purchase of goods or serv ices ata distance (which is where the goods orserv ices have been sold exclusivelyusing a means of distancecommunication and where the contractwas concluded without thesimultaneous physical presence of thetrader and the consumer). Clause 7.5(iv)does not apply to payments made inrelat ion to a contract of the followingtypes:(a) concluded by means of automatic

vending machines or automatedcommercial premises;

(b) concluded with atelecommunications operatorthrough a public telephone for theuse of the telephone;

(c) concluded for the use of one singleconnection, by telephone, internet orfax, established by a consumer;

(d) under which goods are sold by way ofexecution or otherwise by authorityof law.

Clause 7.5(iv) does not apply to paymentsmade in relat ion to a contract to the extentthat it is:

(a) for—(i) gambling within the meaning of the

Gambling Act 2005 (which includesgaming, bett ing and part icipat ing in alottery); or

(ii) in relat ion to Northern Ireland, forbett ing, gaming or part icipat inglawfully in a lottery within themeaning of the Bett ing, Gaming,Lotteries and Amusements (NorthernIreland) Order1985;

(b) for serv ices of a banking, credit,insurance, personal pension, investmentor payment nature;

(c) for the creation of immovable propertyor of r ights in immovable property;

(d) for rental of accommodation forresidential purposes;

(e) for the construction of new buildings, orthe construction of substantially newbuildings by the conversion of exist ingbuildings;

(f) for the supply of foodstuffs, beverages orother goods intended for currentconsumption in the household and whichare supplied by a trader on frequent andregular rounds to the consumer’s home,residence or workplace;

(g) within the scope of Council Direct ive90/314/EEC of 13 June 1990 onpackage travel, package holidays andpackage tours;

(h) within the scope of Direct ive2008/122/EC of the EuropeanParliament and of the Council on theprotection of consumers in respect ofcertain aspects of t imeshare, long-termholiday product, resale and exchangecontracts.

does not include the long card number orthe expiry date which appears on the faceof Your Debit Card or the Sort Code andAccount Number for Your Account. We setout in the Special Terms and Condit ions(for eBanking and Electronic Signature,Debit Mastercard Personal Card and 24Hour Telephone Banking) the reasonablesteps that You are expected to take tocomply with Your obligat ions to keep YourPersonalised Security Credentials safewhen using any of these Serv ices.

7.4 Subject to Clause 7.5 You will be liable forany losses that You suf fer as a result of apayment being made out of Your Accountwhich You have not authorised where Weare sat isf ied (a) where Your Account was in credit at the

t ime the payment was made that:(i) You have acted fraudulently; or(ii) You have with intent or gross

negligence, failed to comply with Yourobligat ions under Clause 7.3. or

(b) where Your Account was in debit at thet ime: (i) You authorised the payment; or(ii) the transaction was carried out with

Your consent; or(iii)where Your Debit Card was used to

make the payment, the person usingthe Card acquired it with Yourconsent.

7.5 Except where You have acted fraudulently Youwill not be liable for any losses that You suf feras a result of a payment being made out ofYour Account which You have not authorisedin respect of the following payments:

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8. Using a Third Party Prov ider (TPP) toprov ide You with Account InformationServ ices

This Clause 8 deals with circumstanceswhere You use a TPP for the purposes ofaccessing Your Account to provide You withAccount Information Services (AIS). A TPPwill only be able to get information aboutYour Account if it is accessible online. YourAccount is accessible online unless theSpecial Terms and Conditions for YourAccount state otherwise.

All references to You in this Clause 8 includeany Authorised User who has an ElectronicSignature to access Your Account.

All users with an Electronic Signature toaccess Your Account can use AccountInformation Services.

8.1 The TPP will ask You to give Your explicitconsent before they can access YourAccount. This means that the TPP shouldmake available to You the information thatYou need to make an informed decision sothat You understand what You are consentingto.

By entering Your Electronic Signature Youare giving Us Your consent to provide theinformation to the TPP for a specif ied periodof time. Only certain accounts are accessiblein this way (for example accounts which arenot payment accounts are not accessible).You can see a list of Accounts that areaccessible through the Open Banking APIs onOur Website danskebank.co.uk/open-banking.

8.2 You should check that the TPP is authorisedand regulated by the FCA or anotherEuropean Regulator before using itsservices. If the TPP is authorised andregulated by the FCA or another EuropeanRegulator then it will be subject to thePayment Services Regulations which meansthat it should ensure that Your PersonalisedSecurity Credentials are not available to anyunauthorised persons and that it uses safeand ef f icient channels to provide theirservices to You. A TPP should not requestmore information than is absolutelynecessary to provide the specif ic servicethat it is of fering to You.

8.3 A TPP which provides an AccountInformation Service may store YourPersonalised Security Credentials if it isnecessary to provide the AccountInformation Service.

8.4 We will treat a request from an AccountInformation Service TPP in the same way asWe treat a request received from You. Anyinformation You have recorded on YourAccount, including information about all ofthe Account Holders and/or any third partieswill also be released. We will not provideYour Electronic Signature information to aTPP.

8.5 (i) You can withdraw Your consent to YourAccount being accessed for the purposesof Account Information Services in one ofthe ways set out at Clause 5.5.9 (d).

(ii) You cannot withdraw Your consent whereinformation has already been provided to

a TPP which provides AccountInformation Services.

8.6 We will only revoke a TPP’s access to YourAccount if We believe its access to beunauthorised or fraudulent, or if We becomeaware that it is no longer authorised orregulated by an appropriate authority.

8.7 If You experience detriment caused by YourAccount Information Service Provider (AISP)other than in relation to an unauthorisedpayment You should contact the AISP in thef irst instance. If You believe that We havebreached any of Our obligations in relation toa TPP having accessed Your Account for thepurposes of provision of Account InformationServices then You should contact Us. We willonly be liable for any loss that You havesuf fered as a result of Us having broken anyof Our obligations. We are not responsiblefor any loss You have suf fered where the TPPhas breached its obligations under thePayment Services Regulations.

8.8 We will not be responsible to You underClause 8.7 where any failure on Our part wasdue to (i) abnormal or unforeseeablecircumstances beyond Our control, theconsequences of which would have beenunavoidable despite all Our ef forts to thecontrary or (ii) Our obligation to comply withany other provision of applicable laws.


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9. Refusing Payments or Stopping the Use ofYour Card or Serv ices

9.1 You may not make a request, nor consent to aPayee making a request and We can refuse arequest, for a payment transaction on YourAccount, whether for payments into or out ofYour Account if We believe or havereasonable cause to believe any of thefollowing (We can refuse Your request bydeclining the request immediately using thesame channel through which You have madeit or by contacting You at the earliestopportunity and before We have executed thetransaction and We won't be responsible forany loss to You):(a) the payment transaction is or may be

connected to fraud or any other illegalactivity or purpose;

(b) You are bankrupt or insolvent or haveentered into a voluntary arrangementwith Your creditors;

(c) Your relationship with Us has brokendown or You have shown threateningor abusive behaviour towards anymember of Our staf f;

(d) there is not enough money available inYour Account to fund the paymenttransaction;

(e) Your Account is a joint Account and thereis a dispute between You and thejoint Account holder;

(f) there is any dispute over Your entitlementto the funds in Your Account;

(g) the security of Your Account may havebeen breached;

(h) You are in breach of any other conditionof these General Terms and Conditions or any of the Special Termsand Conditions for Your Account or a Service;

(i) In the case of an Electronic Payment if forany reason We cannot make the payment within the time limit specif ied bythe Payment Services Regulations (e.g.when using Our eBanking Service We willnot be able to process a request to makea domestic transfer in sterling from Your Account if the Sort Code of the Payee'saccount is not registered to receive payments using the Faster PaymentsService);

(j) by carrying out the payment transactionWe (or another member of the DanskeBank group of companies) might break alaw, regulation, code, court order,sanction (whether or not imposed in theUK) or other duty, requirement orobligation which might expose Us (oranother member of the Danske Bankgroup of companies) to claims from thirdparties or reputational damage or legalaction or censure from any governmental,inter-governmental or supranational body,agency, department or regulator, lawenforcement agency or other competentauthority. We will tell You if You try tomake such a payment transaction; or

(k) Our security controls require You toproduce additional identif ication orconf irmation of payment or prevent Uscarrying out the payment transaction (forexample, We reserve the right to limit the

amount of cash that You can withdrawfrom Your account at any one time).

9.2 We may refuse to carry out any transactionon Your Account where any of these GeneralTerms and Conditions or any of the SpecialTerms and Conditions has not been compliedwith, or where it would be unlawful for Us todo so.

9.3 We may stop the use of any Card or Serviceif We reasonably believe that:(i) The security of Your Account has been

breached;(ii) There may have been an unauthorised or

fraudulent transaction on Your Account;(iii) There is a credit facility on Your Account

(such as an overdraft), and there is asignif icantly increased risk that You maybe unable to pay Us what You owe (forexample where We have reasonablegrounds for believing that You arebankrupt or insolvent or have entered intoa voluntary arrangement with Yourcreditors);

(iv) We have to do so under an applicable lawor regulation or order of a court or otherregulatory body.

Where reasonably possible (and where itwould not be a breach of security or beagainst the law), We will attempt to contactYou either by telephone or in writing whenWe take action under either Clause 9.2 orClause 9.3, and explain Our reasons for doingso. If We cannot contact You in advance, Wewill attempt to contact You as soon aspossible afterwards (and in any event, nomore than three days after We received therelevant payment instruction).


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9.4 Where We have taken action under thisClause 9, unless We terminate theagreement as a result, We will allow thenormal use of Your Account to resume assoon as practicable once Our reasons fortaking such action cease to exist.

10. Payments from Your Account – ChequeBook Serv ice

10.1 We may provide You with a cheque book toenable You to make payments from YourAccount. Provision of a cheque book withYour Account is a Service and is subject tothese General Terms and Conditions and anySpecial Terms and Conditions for YourAccount. Full details are available from YourBranch. This Service is not available withsavings Accounts.

10.2 When You give someone a sterling chequedrawn on Your Account with Us the ChequeClearing System rules will apply and thecheque will be processed in accordance withthe time periods set out in Part 2 of thePayment Table.

10.3 You agree that once a cheque is presentedfor payment the original cheque will bedestroyed within three Business Days. Youhave a right to request an image of thecheque once it has been paid. Images of paidcheques will not normally be returned to You,however if there is a dispute with Us about acheque paid out of the Account, We will giveYou an image of the cheque as evidence. Weagree that the image of the cheque will becreated and produced in compliance with therules of the Cheque Clearing System. A copyof the rules of the Cheque Clearing System is

available on request. You agree that, providedWe can give You an image of the cheque, asset out in this clause, We will not beresponsible to You if You suf fer any loss as aresult of the original cheque having beendestroyed.

We can also supply You with a certif iedimage of the cheque subject to the paymentof the relevant fees and service charges setout in Our ‘Fees and service chargesexplained’ leaf let.

10.4 You should ensure that You have enoughmoney in Your Account or a suf f icientArranged Overdraft on Your Account to coverthe amount of the cheque from the time thatYou give the cheque to the Payee up until thetime when the cheque is paid. A cheque thatis drawn on Your Account may be presentedthrough the Cheque Clearing System or thePayee may choose to specially present it forpayment. Where a cheque is speciallypresented for payment We will make thedecision to either pay the cheque or not paythe cheque as soon as it is presented and therules of the Cheque Clearing System will notapply. We reserve the right not to pay acheque for any of the reasons set out in theCheque Clearing System rules.

10.5 You must ensure that You write cheques(a) in pounds sterling only; (b) in pen only;(c) carefully, in order to prevent alterations

and forgeries. You should draw a linethrough unused space on the cheque sounauthorised people cannot add extranumbers or names. If You are paying acheque to a large organization, such asHM Revenue & Customs (HMRC), You

should write on the cheque the name ofthe Account You want the cheque paidinto. For example, “HM Revenue &Customs only – Reference xxyyzz”. If Youare writing a cheque to a bank or buildingsociety, You should not make the chequeout simply to that organisation. Youshould add further details into the Payeeline, such as the name of the person towhom the money is being paid, (forexample xyz bank re: A Smith referencenumber XXXX).

10.6 We will not normally pay a cheque more thansix months after the date shown on it.

10.7.1 If You have issued a cheque and then decide tostop payment, You can do so, providing thatWe have not already made the decision to paythe cheque. A decision to pay the cheque canbe made at any time after midnight on theBusiness Day after the cheque was lodged. Ifthe cheque has been specially presented forpayment then the decision will be made assoon as the item is presented.

To cancel a cheque, time is of the essence,and We recommend that You contact Usimmediately in the following way: telephoneUs at 0345 6002882. Lines are openbetween 8am and 8pm Monday to Friday andbetween 9am and 5pm on Saturdays andSundays, except for bank holidays or otherholidays in Northern Ireland when the bank isnot open for business. Call charges may vary.Please contact Your phone company fordetails. We may record or monitor calls toconf irm details of Our conversations, and forverif ication and quality purposes. We canonly accept an instruction to cancel a chequewhen the telephone lines are open.

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You may also decide to contact Us in otherways, such as by calling at Your branch, or bywriting to Us or by using secure mail fromeBanking. If You use any of these methodsthere will be a delay before We can actionYour request.

10.7.2 To cancel a cheque You will need to provideUs with the following information(a) the date it was written;(b) the number of the cheque;(c) who it was made payable to; and(d) the amount.

We may ask You to conf irm this informationto Us in writing. We will use best endeavoursto carry out Your instructions as soon asreasonably possible but We cannotguarantee that We will be able to cancel thecheque once it has been lodged to anAccount. There is normally a charge forcancelling a cheque as stated in Our ‘Feesand service charges explained’ leaf lets.

10.8 When We need to tell You that one of Yourcheques or other items has been returnedunpaid, We will do this either by letter or bysuch other means as We deem appropriate.

10.9 You must not write a cheque with a futuredate on it as it may not prevent the Payeefrom paying it into their bank before thatdate.

10.10 If You believe Your cheque book or chequesare lost or stolen, or if You believe thatsomeone has signed one of Your chequeswithout Your permission, You must contactUs immediately.

11. 24 Hour Telephone Banking and eBanking The provision of 24 Hour Telephone Bankingand/or eBanking Services are Serviceswhich may be available with Your Account.

Provision of these Services is subject to theSpecial Terms and Conditions for thoseServices. These Services are subject toperiods of routine maintenance.

12. Debit Cards The provision of a Card is a Service that may

be available with Your Account. Provision ofthis Service is subject to the Special Termsand Conditions applicable to the Card. ThisService is not available with a savings Accountsave and except for the SaverPlus Account.

13. Branch Serv ice13.1 The addresses and contact details for all

Danske Bank branches in the UK can befound on Our Website. If You wish to write tothe Bank then You should use the followingaddress irrespective of where Your Branchis: - Danske Bank PO Box 2111 Belfast BT109EG.

13.2 The provision of branches where a counterservice is available is a Service that issubject to the Special Terms and Conditionsfor Your Account. We do not provide acounter service outside Northern Ireland Ifthis is something You require You shoulddiscuss this with Your branch.

13.3 If We plan to close or move Your Branch, Wewill tell You at least twelve weeksbeforehand. We will inform You how We willcontinue to provide banking services to You.

13.4 We may vary banking hours, bankingpractices and similar matters by giving Youat least thirty days’ notice in writing or bygeneral notice in Our branches or in thepress. If the variation is signif icant, in Ourreasonable opinion, it will be advised to Youby notice in writing.

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14. Arranged and Unarranged Overdraf ts Warning The Debit interest rate applicable on Your

Account is set out in Our 'Interest rates'leaf let. You should read this leaf let carefullybefore applying for an overdraf t.

14.1 The provision of any overdraft is a Servicethat may be available on Your Account.Provision of this Service is subject to theseGeneral Terms and Conditions and to anySpecial Terms and Conditions for YourAccount. This Service is not available with asavings Account.

14.2 An overdraft is only available if You are over18 years old. Any overdraft is repayable ondemand. This means that We can require Youto repay all the sums You owe Us on theAccount at any time, even if We have agreeda longer period for the overdraft with You.

14.3 If this Service is available with Your Accountthen You can agree the amount of theoverdraft with Us in advance. This is calledan Arranged Overdraft. You will be issuedwith a facility letter setting out theconditions that apply, in addition to theseGeneral Terms and Conditions.

14.4 You can also agree with Us the amount of anytemporary extension to an existing ArrangedOverdraft. This is known as an arrangedexcess. The Arranged Overdraft Interest ratewill apply to the total of the ArrangedOverdraft and the arranged excess. In allother respects the Terms and Conditions asset out in the Facility Letter for YourArranged Overdraft will also apply to thearranged excess.


14.5 If You do not agree with Us the amount of anytemporary or other extension to an existingArranged Overdraft then We will treat thisas an application for an UnarrangedOverdraft. The Arranged Overdraft Interestrate will apply to the amount of Youroverdraft which is within Your ArrangedOverdraft limit.

14.6 If You try to make a payment out of YourAccount (known as presenting an item forpayment, such as a cheque, a Card payment,a Direct Debit or a Standing Order) orinterest or a fee or service charge is appliedto Your Account which would have the ef fectof creating an overdraft the amount of whichhas not been previously agreed by Us thenWe will treat this as an application for anUnarranged Overdraft.

14.7 If We decide to grant You an UnarrangedOverdraft by allowing a payment despite lackof funds then the item presented for paymentwill be paid. If We grant You an UnarrangedOverdraft then it does not mean (a) that anyArranged Overdraft has been created or (b)that the limit on any Arranged Overdraft hasbeen increased or (c) that We will pay anyother item in the future which would have thesame ef fect. We are not committed to payany other items up to such amounts.

14.8 If We decide not to grant You an UnarrangedOverdraft by refusing a payment due to lackof funds then the item presented for paymentwill be returned unpaid and an unpaidtransaction fee, as detailed in Our ‘Fees andservice charges explained’ leaf lets, will beapplied to Your Account.

14.9 If You have an overdraft on the Account Wemay use monies held in other accounts inYour name to pay of f the overdraft. This issometimes known as the Bank’s right of setof f. We will tell You at least fourteen daysbefore we exercise Our right of set of f. If Youhave provided the Bank with security (e.g. amortgage over land) then that security mayalso be available to Us in respect of theOverdraft.

14.10 We will calculate Debit Interest on a dailybasis on the cleared debit balance on YourAccount. An item is included in the cleareddebit balance from the Value Date forpurposes of calculation of interest. We willcalculate this interest at the end of eachcalendar month. If You are due to payinterest, before We charge the interest toYour Account, We will write to You at the endof the calendar month and tell You theamount We will charge and when. If Youreceive Your statements electronically, Wewill send this letter to You electronically.Further details about the Debit Interest ratespayable on Your Account are set out in Our‘Interest rates’ leaf let.

14.11 Overdraft Alerts14.11.1 If You have provided Us with Your mobile

telephone number then We will send You atext message to alert You if there is notenough money in Your Account to pay an itemthat has been presented or if paying it wouldtake You past Your Arranged Overdraft limit.The text message will tell You the time bywhich You need to lodge or transfer money toYour Account to avoid incurring fees and

charges and to be sure that the item will bepaid. If enough money is not lodged then, asset out in Clauses 14.5 and 14.6 We willtreat this as an application for anUnarranged Overdraft and the provisions ofClauses 14.7 and 14.8 will apply asappropriate. If You have not provided Us withYour mobile telephone number or You haveopted out of receiving Unarranged Overdraftalerts then We will be unable to send You analert and You may incur avoidable fees andcharges as a result.

14.11.2 If You have provided Us with Your mobiletelephone number and You have an ArrangedOverdraft on Your Account, then We willsend You a text message to alert You whenYou have begun using Your ArrangedOverdraft. The text message will also tell Youthat fees and charges may be incurred as aresult of using Your Arranged Overdraft. IfYou have not provided Us with Your mobiletelephone number or You have opted out ofreceiving Arranged Overdraft alerts then Wewill be unable to send You an alert and Youmay incur avoidable fees and charges as aresult.

14.11.3 If You do not wish to receive these textmessages then please contact Us and Wewill record this on Our systems and will nolonger send You alerts. If You change Yourmind, You can ask to start receiving alertsagain at any time.

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15. Fees and Serv ice Charges15.1 Before You enter into any Agreement for an

Account with Us, We will provide You with aFee Information Document (“FID”) setting outthe most representative services related tothat Account and subject to a fee. A glossarydescribing these services will also be madeavailable on Our Website atdanskebank.co.uk.

15.2 Details of current fees and service charges(including fees and charges in relation toPayment Services) that apply to YourAccount are also published in Our ‘Fees andservice charges explained’ and 'Fees andservices charges explained - foreignpayments' leaf lets, which are available atany Branch and on Our Website.

15.3 You agree to pay the fees and servicecharges applicable to the Account and Youruse and operation of the Account and OurServices as shown in the FID and in Our‘Fees and service charges explained’ and'Fees and services charges explained -foreign payments' leaf lets from time to timeand whether or not these fees and servicecharges are referred to elsewhere in theseTerms and Conditions.

15.4 We will notify You in accordance with Clause27 if We introduce or vary a fee or servicecharge relating to Your Account for a ServiceYou use on Your Account.

15.5 There may be taxes or costs, some of whichare not paid through Us or imposed by Usand for which You may be liable.

16. Interest on Your Account16.1 Details of the current interest rates on Your

Account are published in Our ‘Interest rates’leaf let which is available at any Branch andon Our Website.

16.2 Credit Interest16.2.1 Credit Interest rates are based on a rate that

We determine internally. 16.2.2 We may decrease the Credit Interest rates

(or decrease the Credit Interest rate that isapplied depending on the balance held in anAccount) by agreement with You for one ormore of the following reasons:(a) To respond reasonably to a change in the

Bank of England Bank Rate or any otherpublicly-listed market rate;

(b) to ref lect the introduction or developmentof new systems, methods of operation,services or changes in technology(including expected changes) providedthat the change is a reasonable responseto the underlying reason for the change;

(c) to maintain or improve operatingconditions or service levels;

(d) to ref lect the genuine increased costs ofproviding Your Account, including forexample the cost of introducing,developing, running and/or maintainingsystems and services;

(e) to respond reasonably to any change orexpected change in market conditions,general banking practice or the cost ofproviding services to customers;

(f) to respond reasonably to legal orregulatory changes. This would include:· Changes in general law or decisions of

the Financial Ombudsman Service,

27

· Changes in regulatory requirements,· Changes in industry guidance and

codes of practice which raisestandards of consumer protection;

(g) to ensure that Our business as a whole isprof itable and that Our product range andcharging structure enables Us to achieveOur business and strategic objectives(which are set internally) - provided thatany such change is reasonable and doesnot result in an Account Holder beingtreated unfairly;

(h) to make these General Terms andConditions or any Special Terms andConditions fairer or clearer for Youprovided that any such change does notmaterially alter the Agreement that Youhave entered into with Us;

(i) To make changes and improvements toOur products, services or chargingstructures where the changes are ofbenef it to You or where the changes makeit easier for You to manage Your Account;or where the changes provide You withalternative or more cost ef fective ways tomanage Your Account;

(j) For a reason not set out herein butotherwise expressly notif ied to You inwriting provided that any reduction in theCredit Interest rate (or variation of theCredit Interest rate is applied dependingon the balance held in an Account) forthis reason is a reasonable response tothe underlying reason and strikes a fairbalance between Our legitimate interestsand Your own interests.


Unless the Special Terms and Conditions forYour Account state otherwise, where Wedecide to reduce the Credit Interest rate Wewill always give You at least 2 months’ noticebefore doing so. You will be able to end theagreement before the end of the noticeperiod without incurring any extra charges.

16.2.3 We may increase the Credit Interest ratepayable on any Account immediately. We willadvise You of any increase in the CreditInterest rate on Your statement of Account.

16.2.4 Details of the Credit Interest rates payableon any Account are set out in Our ‘Interestrates’ leaf let. We will calculate the CreditInterest on a daily basis on the cleared creditbalance on Your Account.

16.2.5 Credit Interest will be paid gross - thismeans that We will not deduct any incometax from the amount of interest that iscredited to Your Account. In certaincircumstances You may have to makearrangements to pay tax on the creditinterest that is paid into Your Account. Thiswill depend on Your total taxable income, thetotal amount of credit interest that Youreceive and Your Personal SavingsAllowance. It is Your responsibility to pay anytax that may be due.

16.3 Debit Interest16.3.1 If any Debit Interest is to be charged then

this will be applied in accordance withClause 14.10.

16.3.2 The Debit Interest rates are made up of twoparts – The Bank of England Bank Rate and aMargin determined by Us (“the Margin”) overthe Bank of England Bank Rate. Both of these

parts are variable. If there are any changesto the Bank of England Bank Rate We willchange the Debit Interest Rate applicable toYour Account immediately. The change willbe applied with ef fect from the start of theBusiness Day immediately following the daythat the Bank of England announces a changeto its Bank Rate. We will inform You throughnotices in Our branches and advertisementsin the press within three Business Days ofthe change taking ef fect. The newspapersWe normally use are the Belfast Telegraphand/or the Irish News and/or the NewsLetter. The rates may also be obtained bytelephoning any branch or by visiting OurWebsite. In certain circumstances We mayalso advise You personally about changes tothe Bank of England Bank Rate.

16.3.3 We may decide to increase the Margin thatapplies to any of Our Debit Interest rates byagreement with You for one or more of thefollowing reasons:(a) to ref lect the introduction or development

of new systems, methods of operation,services or changes in technology(including expected changes) providedthat the change is a reasonable responseto the underlying reason for the change;

(b) to respond reasonably to a change in therisk presented by a customer or a groupof customers;




(f) to respond reasonably to legal orregulatory changes. This would include:· Changes in general law or decisions of

the Financial Ombudsman Service,· Changes in regulatory requirements,· Changes in industry guidance and


(g) to ensure that Our business as a whole isprof itable and that Our product range andcharging structure enables Us to achieveOur business and strategic objectives(which are set internally) - provided thatany such change is reasonable and doesnot result in an Account Holder beingtreated unfairly;



(j) For a reason not set out herein butotherwise expressly notif ied to You inwriting provided that the reason is areasonable response to the underlying

28


reason and strikes a fair balance betweenOur legitimate interests and Your owninterests.

Where We decide to increase the Margin Wewill always give You at least 2 months’ noticebefore doing so. You will be able to end theagreement before the end of the noticeperiod without incurring any extra charges. IfYou end the agreement You will have to repayany overdrawn amount.

16.3.4We may decide to reduce the Marginimmediately for any valid reason. We willadvise You of any reductions in the DebitInterest rate on Your statement of Account.

17. Exchange Rates17.1 We may agree to accept credits to Your

Account or make debits from Your Accountin a currency other than sterling.

17.2 If We do so, We will use Our rate of exchange(known as the 'Danske Bank Exchange Rate(UK)') for the relevant currency on theapplicable day at such time as We mayselect. For transactions over £25,000(twenty f ive thousand pounds sterling) therate of exchange will always be at least equalto the published rate and is usually better.

17.3 We calculate the Danske Bank Exchange Rate(UK) for the relevant currency on a daily basis.You may obtain details of the Danske BankExchange Rate (UK) for the relevant currencyby enquiring at any Branch or by telephoningUs. We reserve the right to change theDanske Bank Exchange Rate (UK) for therelevant currency immediately and at any timeof the day depending on market conditions.

17.4 If the Danske Bank Exchange Rate (UK) doesnot apply then We will tell You in the SpecialTerms and Conditions for the relevantproduct or Service.

18. Statements18.1 Unless We tell You otherwise in the Special

Terms and Conditions for Your Account Wewill provide You with a statement at the endof the month, free of charge, if during thatcalendar month there has been a paymenttransaction on Your Account. You shouldalways check Your statements carefully andif there is any transaction on Your Accountwhich is not correct or which You do notrecognise then You may be able to make aclaim as set out in Clause 6.4.

18.2 We will provide You with a statement byposting it to You at the address that You haveprovided unless You have told Us that Youwant to exercise the option set out at Clause18.3. The statement will be provided to theAccount-Holder who is the f irst namedAccount-Holder on Our records unless Wehave agreed something dif ferent with You.

18.3 If You do not wish to receive paperstatements, You can opt instead to have Yourstatements made available in Your electronicmailbox. The Account statements that Wecan make available in this way are listed onthe eBanking pages within Our Website. Thatlist includes Our current accounts and mostof Our savings accounts. It does not includeOur Credit Card Account statements. If Youhave a credit card account with Us then Youwill need to refer to the Credit Card Termsand Conditions for information on Yourstatement options. You can exercise thisoption if You are registered for an electronic

29

mailbox with Us. You will need to tell Us thatYou want to exercise this option each timethat You open a new Account with Us or, ifYou are not registered for an electronicmailbox, when You f irst register for thatService. Where You select this option Youwill get all Your statements (subject to thisClause 18.3) made available in Yourelectronic mailbox since We cannot currentlyallow You to opt to have only some of Yourstatements to be delivered in this way.

Where You select the option described atClause 18.3 You will be able to register fornotif ications. You will be asked to provide anemail address so that We can notify Youeach time that a statement has been madeavailable within Your electronic mailbox.

18.4 If You require additional statements orduplicate statements then You will have topay Our fees and service charges as set outin Our ‘Fees and service charges explained’leaf let.

18.5 Information about payment transactions onYour Account is also available free of chargeon eBanking and 24 Hour Telephone Banking(where You are registered for theseServices) or by requesting a mini statementat one of Our cash machines, where You havea Debit Card.

18.6 If there are no payment transactions on YourAccount, statements will be provided or madeavailable on a frequency which is agreed withYou – usually at the end of June and the end ofDecember each year. We will also provide Youwith an annual Statement of Fees (“SOF”)setting out all of the fees and interest thathave been charged to Your Account.


19. Security 19.1 Where We have issued You with

Personalised Security Credentials to use anyof Our Services You must follow the stepsthat We have set out in the Special Termsand Conditions for that Service to keep thosePersonalised Security Credentials safe. Thiswill apply where You use Our eBanking, 24Hour Telephone Banking or Debit CardServices. If You suspect that YourPersonalised Security Credentials may havebeen lost, stolen or otherwise compromisedthen You should contact Us as set out inClause 7.

19.2 We will only contact You in one of thefollowing secure ways if We need to tell Youthat there has been fraudulent activity (orWe suspect that there has been fraudulentactivity) on Your Account or that the securityof Your Account may be at risk. We willcontact You:(i) by phoning You using the telephone

contact details We hold for You on Ourrecords. We shall identify You by asking anumber of security questions. We willNEVER ask You to reveal any of YourPersonalised Security Credentials suchas any of Your PIN numbers or any part ofYour Electronic Signature or Your Carddetails; or

(ii) where We hold a mobile phone number forYou, by sending You an SMS to the mobilephone number which We hold on Ourrecords. The SMS message will ask Youto contact Us by phoning the numberwhich can be obtained from the back ofYour Card or from Our Website. The SMSwill NEVER ask You to reveal any of Your

Personalised Security Credentials suchas any of Your PIN numbers or any part ofYour Electronic Signature or Your Carddetails. The SMS will NEVER contain aphone number or link which, if selected,will ask You to reveal any of these details;or

(iii) where You are registered for eBanking, bysending You a secure mail; or

(iv) by sending a letter addressed to You atthe address that We hold for You on Ourrecords. The letter will always quote atleast the last 4 digits of Your AccountNumber.

19.3 If You are contacted by someone who statesthat he/she is a representative of the Bankor the police or some other law enforcementagency or from a telecommunications orinformation security support company, andhe/she proceeds to ask You to reveal any ofYour Personalised Security Credentials, thenYou should not provide any information. It islikely that the person contacting You is afraudster. Instead You should contact Us inone of the ways set out in Section 1 Part 1 ofthese General Terms and Conditions -Personal. You can f ind useful information onhow to protect yourself from fraud on OurWebsite atdanskebank.co.uk/ebankingsecurity.

20. Closing the Account20.1 We can terminate this Agreement and close

Your Account by giving You at least twomonths’ notice. We can do this for one of thefollowing reasons:(a) We have reasonable grounds to believe

that You are no longer using the Account;

(b) We, acting reasonably, are dissatisf iedwith the way that You are operating theAccount. This could arise for examplewhere there are a signif icant number ofpayment instructions which We cannotcomply with because You do not haveenough money in Your Account or wherethe amount of time that We have to spendon the administration of Your Accountexceeds what We would consider to bereasonable;

(c) You have failed, within a reasonableperiod of time, to provide Us withinformation which We may reasonablyexpect You to provide to Us in connectionwith the operation of Your Account;

(d) To comply with any changes in law orregulation, including decisions of thecourts or Financial Ombudsman;

(e) To ensure that Our business is prof itableand competitive and that Our productrange enables Us to achieve Our businessand strategic objectives;

(f) For any other valid reason – provided thatthe closure of Your Account is aproportionate and reasonable responseto the underlying reason.

If We close Your Account, money can betaken out of Your Account by Us to cover anymoney owed including interest and servicecharges.

20.2 You may close the Account at any timewithout penalty by notifying Us in writing.Closure following such notice will only takeef fect when any outstanding transactions arecompleted. You must give Us back Yourcheque book and Cards (if applicable) and payanything which You owe on the Accountincluding interest and service charges.

30


Before the Card is forwarded to Us, You mustcut the Card vertically through the magneticstripe and electronic chip on the Card.

20.3 We may treat this Agreement asunenforceable or void in the event that Youbreach any of the conditions of thisAgreement. In these circumstances We mayclose Your Account immediately. We will onlyexercise Our rights under this Clause 20.3 inthe following circumstances:(a) We reasonably consider that by

continuing the Agreement We (or anothermember of the Danske Bank group ofcompanies) might break a law, regulation,code, court order, sanction (whether ornot imposed in the UK), or other duty,requirement or obligation which mightexpose Us (or another member of theDanske Bank group of companies) toclaims from third parties or reputationaldamage or to legal action or censure fromany governmental, inter-governmental orsupranational body, agency, departmentor regulator, law enforcement agency orother competent authority;

(b) You are bankrupt or insolvent or haveentered into a voluntary arrangementwith Your creditors;

(c) You act, or are suspected of acting,fraudulently or with negligence or You use(or You knowingly allow someone else touse) Your Account illegally or for criminalactivity (including receiving proceeds ofcrime into Your Account);

(d) We suspect that there is a threat to thesecurity of Our systems;

(e) Your relationship with Us has brokendown or You have shown threatening orabusive behaviour towards any memberof Our staf f; or

(f) You are in breach of any materialobligation under these General Terms andConditions and any Special Terms andConditions and You have failed to remedythe breach within a reasonable time of Usrequesting You to do so.

20.4 Any termination of this Agreement bywhatever means is without prejudice toliabilities accrued prior to such termination.

21. Package Agreements with Us21.1 You may apply for a Package with Us subject

to the Special Terms and Conditions for eachof the Accounts, Services and benef its thatare included in the Package. If You select aPackage then You will complete a CustomerAgreement.

21.2 If the Package and/or any Account, Serviceor benef it of the Package selected by You isprovided to You at a discounted rate becauseof other arrangements between You and/or athird party with the Bank, the Bank reservesits right to levy the standard fees and servicecharges applicable to the Package and/or theAccounts, Services or benef its upontermination of those other arrangements.

21.3 You may terminate Your CustomerAgreement at any time in accordance withClause 20.

21.4 We may terminate Your CustomerAgreement at any time by giving You at leasttwo months’ written notice in accordancewith Clause 20.

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21.5 The termination of Your CustomerAgreement by any means will (subject tothese General Terms and Conditions and toany Special Terms and Conditions of eachAccount, Service or benef it) cause thetermination of the Account, Service orbenef its that are part of the Package.

21.6 Any termination of Your CustomerAgreement by whatever means is withoutprejudice to liabilities accrued prior to suchtermination.

22. Dormant Accounts22.1 We participate in the unclaimed assets

scheme established under the Dormant Bankand Building Society Accounts Act 2008. Thepurpose of the scheme is to enable money indormant accounts (i.e. balances in accountsthat have been inactive or dormant for15years or more) to be distributed for the benefitof the community while protecting the rights ofcustomers to reclaim their money. Under thescheme, We may transfer balances ofdormant accounts to Reclaim Fund Ltd (RFL).

22.2 RFL is a not-for-profit reclaim fund which isauthorised and regulated by the FinancialConduct Authority. If We transfer the balanceof Your Account to RFL, You will have againstRFL whatever right to payment of Your balanceYou would have had against Us if the transferhad never happened. However, We will remainresponsible for managing all aspects of thecustomer relationship with You and forhandling all repayment claims (which We willdo on behalf of RFL). Therefore, You shouldcontinue to contact Us in the usual way if Youhave any queries or complaints in relation toYour Account or balance.


22.3 Both We and RFL participate in the FinancialServices Compensation Scheme (FSCS). Thetransfer by Us to RFL of Your balance will notadversely af fect any entitlement You have tocompensation from the FSCS.

22.4 Before We classify an Account as dormant,We will try to contact You, making reasonableendeavours having regard to all thecircumstances and seek Your instructions. IfYour Account is classif ied as dormant thenWe will close Your Account and all Serviceson the Account, including statements andcorrespondence will be terminated.

22.5 Funds transferred to the unclaimed assetsscheme will remain Your property (or if Youdie it will form part of Your estate unless theAccount is a joint Account in which case it willusually pass to the surviving AccountHolder(s)).

23. Cancellat ion Rights under the FinancialServ ices (Distance Marketing)Regulations 2004

23.1 If You are not happy about Your choice ofAccount You may cancel within fourteen daysof the day after:(a) the day of the conclusion of the contract

(which is the date upon which theAccount is opened); or

(b) the day You receive the Terms andConditions, whichever is the later.

Your right to cancel will lapse on the expiry ofthis period in which event You will be bound bythe Agreement. You can cancel the Agreementby contacting Your Branch or by writing to Usat Danske Bank, Donegall Square West,Belfast BT1 6JS or handing in the notice atany Danske Bank Branch in Northern Ireland.If You exercise this cancellation right We will

give You all of Your money back with anyinterest due to You within thirty days of thedate You cancel, less any service chargeswhich We are entitled to make for anyServices which We have provided. If Yourequest it, We will be happy to help You toswitch to another one of Our accounts.

23.2 Any cancellation of the Agreement is withoutprejudice to liabilities accrued prior tocancellation. Where You have incurred anyoverdraft amount and/or any Debit Interestand/or any service charges in relation to theAccount before You cancel the Agreement,You will have to pay Us within thirty days ofthe date You cancel all such outstandingamounts incurred. This amount will includeany further Debit Interest which continues toaccrue in accordance with these GeneralTerms and Conditions and any Special Termsand Conditions relating to Your Accountduring the period until full repayment is made.The Arranged Overdraft Interest Rates and allservice charges relating to Your Account areset out in Our ‘Interest rates’ and ‘Fees andservice charges explained’ leaf letsrespectively.

24. Change of Personal Details24.1 You must inform the Bank of any change of

name, address, phone number or emailaddress as soon as reasonably practicableby giving notice to Your Branch.

24.2 If correspondence is returned to Us by thepostal authorities then We will not be able tosend You important information about YourAccount. This may also mean that We areunable to send You the Personalised SecurityCredentials to operate Your Account. We will

32

hold mail for You to collect from Your Branch.If Your Account has an Additional Cardholderthen this Condition also applies to theAdditional Cardholder.

24.3 If You change Your mobile phone number thenYou should inform Us immediately. If We donot have this information then We maycontinue to send text alerts to You whichcould include text alerts if Your Account goesinto an Unarranged Overdraft or a text alertasking You to contact Us in relation to aService that We of fer.

24.4 If You change Your email address then Youshould inform Us immediately. If We do nothave this information then We may continue tosend email messages to You which couldinclude alerts about Your Account includingalerts about information that We have sent toYour secure mail in eBanking or Your electronicmailbox (where You have that Service).

25. Use of Your personal and businessinformation

25.1 In order to provide You with bankingservices, including advice and products, andalso to meet Our legal obligations as af inancial institution, We will collect and useYour personal and, if You are a businesscustomer, Your business information. Youcan read more about what personalinformation We hold, how We use it and Yourrights in Our data protection privacy notice,'How we use your personal and businessinformation', which can also be provided inhard-copy for You.


25.2 If You use the services of a TPP to provideYou with Account Information Services thenClause 8 applies. If You use the services of aTPP to provide You with Payment InitiationServices then Clause 5.5.9 applies. TPPswhich are authorised and regulated by theFCA or another European Regulator mustcomply with their obligations under thePayment Services Regulations.

25.3 We are prepared to provide banker’sreferences. However, We will only do so withYour prior written consent.

26. Notices and communication26.1 Notices and other communications between

You and Us in relation to this Agreementshould be given in writing unless:(i) otherwise agreed between Us; or(ii) We determine otherwise. This would

apply for example where We need tocontact You urgently.

26.2 Where You have an electronic mailbox withUs, then We may send communications toYou using secure mail in eBanking or usingYour electronic mailbox facility. We can onlysend important information about changes toYour Account in this way where You havesubscribed for Notif ications within Yourelectronic mailbox or where We have anemail address for You. We will use Your emailaddress to alert You to the information thatWe have made available in Your electronicmailbox or secure mail.

26.3 Where You have provided Us with Yourmobile number We may send information bySMS.

26.4 Unless We have agreed with You that Youcan communicate with Us in some other way,You should give notices to Us in writing bypost to Our registered address or by writingto Danske Bank at PO Box 2111 BelfastBT10 9EG. The date of receipt of a noticegiven by You to Us under this Clause 26.4 isdeemed to be the date of actual receipt by Usor where that day is not a Business Day, thenext Business Day. If You choose to write toUs at a dif ferent address to that set out inthis Clause 26.4 then there may be a delay inprocessing Your correspondence.

27. Variat ion of these Terms and Condit ions27.1 We may, for any reason set out in Clause

27.7 below:(a) introduce a fee or service charge relating

to the Account and/or vary the amount,frequency or time for payment of any feesor service charges relating to theAccount, Service or Package;

(b) add to, remove, change or imposerestrictions on the benef its of theAccount, Service or Package;

(c) make any change to these General Termsand Conditions or to any Special Termsand Conditions for Your Account or anyService.

27.2 This Clause 27 does not apply to changes ininterest rates or exchange rates which aredealt with in Clauses 16 and 17.

27.3 Unless the Special Terms and Conditions forYour Account state otherwise, where Wemake a change as set out in Clause 27.1 Wewill always give You a minimum of 2 months’written notice and if You are not happy with

the change then You can end Your Agreementwith Us and close Your Account withouthaving to pay any extra charges.

27.4 We may communicate such changes bysending a summary of the proposed changesto You. This summary will contain areference to Our Website, where We willprovide detailed information relating to thechanges and/or revised terms andconditions. However, if You so request, Wewill send You hard copies of the detailedinformation and/or a copy of the revisedterms and conditions. If We have made amajor change or a lot of minor changes inany one year, We will provide You with a copyof the new terms and conditions or asummary of the changes.

27.5 Once We have given You notice of theproposed changes, if You do not tell Us thatYou object to the changes, before the date onwhich they are due to come into ef fect, thenthey will take ef fect on the date indicated.

27.6 In the event of any change in applicable lawor regulation, or in other circumstancesoutside Our control, We may give a shorterperiod of notice as We consider, onreasonable grounds, to be justif ied. We mayalso make a change to these terms andconditions where the change applies to anypart of a payment transaction which takesplace outside the European Economic Area. Ifthis applies and the change is to Yourdisadvantage We will give You reasonablenotice before the change takes ef fect. If thechange is to Your advantage then We willmake the change and tell You about it assoon as reasonably possible.

33


27.7 The changes referred to in Clause 27.1 willbe made for one or more of the followingreasons:(a) by agreement with You;(b) to ref lect the introduction or development

of new systems, methods of operation,services or changes in technology(including expected changes) providedthat the change is a reasonable responseto the underlying reason for the change;




(f) to respond reasonably to legal orregulatory changes. This would include: · Changes in general law or decisions of

the Financial Ombudsman Service,· Changes in regulatory requirements,· Changes in industry guidance and


(g) to ensure that Our business as a whole isprof itable and competitive and that Ourproduct range and charging structureenables Us to achieve Our business andstrategic objectives (which are setinternally) - provided that any suchchange is reasonable and does not resultin an Account Holder being treatedunfairly;



(j) For a reason not set out herein butotherwise expressly notif ied to You inwriting provided that the reason is areasonable response to the underlyingreason and strikes a fair balance betweenOur legitimate interests and Your owninterests.

28. General28.1 Nothing in this Agreement shall:

(a) exclude or restrict the Bank’s liability forfraudulent misrepresentation by the Bank,its employees, of f icers or agents or fordeath or personal injury resulting fromthe negligence of the Bank, its employees,of f icers or agents; or

(b) operate so as to reduce Your statutoryrights relating to faulty or misdescribedServices where the Bank’s Services aresupplied to You as a consumer. For furtherinformation about Your statutory rightscontact Your local Trading StandardsDepartment or Citizens Advice Bureau.

28.2 We may comply with the terms of any CourtOrder or other analogous proceedings (whereWe are advised to do so) and may stop orsuspend the operation of Your Account or anyService on Your Account in order to complywith such proceedings.

28.3 You may not assign, sub–licence, transfer orotherwise dispose of any of Your rights orsub–contract, transfer or otherwise disposeof any of Your obligations under thisAgreement without Our prior written consent.

28.4 We may sub–contract Our rights orobligations under this agreement to Our sub–contractors and any sub–contracting shall notaf fect Our responsibilities and liabilitiesunder this Agreement.

28.5 We may at any time assign all or part of Ourrights under this Agreement (which includeOur rights to payment of any sums due byYou) and may disclose to any potentialassignees such information regarding Youand Your af fairs as We may see f it.

We will not assign Our rights where thismight serve to reduce the guarantees for You.

28.6 If any provision of this Agreement is held tobe unenforceable, it will not af fect the validityand enforceability of the remaining provisionsand will be replaced by an enforceableprovision that comes closest to the intentionunderlying the unenforceable provisions.

28.7 Failure or delay by either party in enforcingany term of this Agreement shall notconstitute a waiver of such term.

28.8 The parties do not intend that any term of thisAgreement shall benef it or be enforceable bya third party by operation of The Contracts(Rights of Third Parties) Act 1999.

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29. Right of Set-of f If any money You owe Us (for example on a

loan, credit card, mortgage, overdraft on acurrent account or any other type of account)is overdue for payment, We may use anymoney You have in any of Your Accounts withUs to reduce, or repay, what You owe by wayof set-of f. We can use this right of set-of fagainst accounts which are in Your sole nameas well as joint accounts You hold with Us.We will tell You at least 14 days before Weexercise this right of set-of f.

30. Governing Law This Agreement is governed by the laws of

Northern Ireland, Scotland or England andWales, depending on where You live, as shownon Our records and Your statements.Disputes arising out of or relating to thisAgreement not settled to the parties'satisfaction are subject to the non-exclusivejurisdiction of the courts of Northern Ireland,Scotland or England and Wales, againdepending on where You live, as shown on Ourrecords and Your statements.


35

36

the date You ask Us to make a payment from YourAccount. (In both instances, it is the date Weconsider ourselves to have received Your paymentinstruction).‘Foreign payment ’ – means either:(i) Sending money within the UK (in a currency

other than sterling);(ii) Sending money outside the UK (in any

currency);(iii) Receiving money within the UK (in a currency

other than sterling); or(iv) Receiving money from outside the UK (in any

currency).‘Guaranteed date ’ – means the date after which itwill no longer be possible for a cheque or otheritem paid into Your Account to be returned unpaid,unless You give Your consent as the Payee for this,or You are knowingly involved in fraud.' Internal transfer ’ – means a payment madebetween 2 accounts where both the Payer's bankaccount and the Payee's bank account is held withNorthern Bank Limited trading as Danske Bank.‘Maximum execution time ’ – means in the case ofa payment out of Your Account, it is the latest dateby which We will have credited the Payee's bank(or its agent) with the payment. On some occasionswhen using eBanking the period set out in the tablemay have to be extended. See the notes to thePayment Table.‘Third Party Prov ider ’ ("TPP") means anindependent provider of services which can of ferAccount Information Services or PaymentInitiation Services to You or which issuesinstruments for making Card Based Payments outof Your Account.‘Value date ’ – means the date by which We takeaccount of any item paid into Your Account, or anyitem paid out of Your Account, when We work outany relevant interest. ‘Withdrawal date ’ – means the date by which You will be able to withdraw the proceeds of a chequeor any other item paid into Your Account.


Payments out of your account by CHAPS (includingStanding Orders) – a Business Day is a Monday,Tuesday, Wednesday, Thursday and Friday(excluding bank and other holidays in NorthernIreland).

Standing orders out of your account by FasterPayments Service - a Business Day is a Monday,Tuesday, Wednesday, Thursday and Friday(excluding bank and other holidays in NorthernIreland).

Payments out of your account by Faster PaymentsService or by Internal transfer (excluding StandingOrders) – a Business Day is a Monday, Tuesday,Wednesday, Thursday, Friday, Saturday andSunday.‘Current standard spending limits ’ – means thecurrent standard spending limits that apply whenYou give Us an instruction to take funds from YourAccount using a particular method (such as acard). We may have agreed individual spendinglimits with You which are dif ferent. The spendinglimit always depends on the available balance plusany Arranged Overdraft in Your Account. Wherethe limit is detailed as 'Does not apply' this meansthat the limit is the available balance plus anyArranged Overdraft in the account. ‘Cut–of f t ime ’ – means a time, (as set out in thePayment Table) usually towards the end of theBusiness Day, after which any payment orderreceived (whether to credit or debit your account)will be deemed to have been received on thefollowing Business Day. The Cut–of f time for anypayment order received at a branch counter willalways be before the branch closing time on thatBusiness Day. On Christmas Eve (or the lastBusiness Day before 25th December) the Cut-of ftime for standing order, cheque, direct debit andfuture dated payments out of your account is11.30am.‘Entry date ’ – means either the date a cheque orother item paid into Your Account appears on it, or

Payment TableThe timetable set out in the Payment Table may besuspended where there are abnormal orunforeseeable circumstances beyond our control,the consequences of which would have beenunavoidable despite all our ef forts to the contrary.We also reserve the right to suspend or delay apayment either into or out of your account wherewe, acting reasonably, decide to carry out furtherchecks. In these circumstances we will still seekto comply with our statutory obligations forexecution of the payment under the PaymentServices Regulations 2017 (as amended).

The Payment Table assumes the following:• payments are in sterling, unless it says

otherwise.• the entry date is a Monday.• there are no non-Business Days in the

relevant period.

The Payment Table only applies to those parts ofthe transaction which take place in the EEA.

Def initions‘Business Day’ - means a day on which the Bank isusually open for business as required for thepurposes of executing payment transactions.Dif ferent days apply depending upon the paymentsystem that is used to make the payment asfollows:

Payments into your account by CHAPS (includingStanding Orders)– a Business Day is a Monday,Tuesday, Wednesday, Thursday and Friday(excluding English bank holidays).

Payment into your account by Faster PaymentsService or by Internal transfer (except forStanding Orders) – a Business Day is a Monday,Tuesday, Wednesday, Thursday, Friday, Saturdayand Sunday.

Standing Order payments into your account byFaster Payments Service – a Business Day is aMonday, Tuesday, Wednesday, Thursday andFriday (excluding English bank holidays).

Payment Table – Part 1 Payments into your account


37

Payment Type Method/Channel of Payment Order Entry date Cut-of f t ime Value date Withdrawal date

Cash deposits (in thesame currency as theaccount is held)

Over the counter or at an expressdeposit box at one of Our branches(see note 1), or at another UK bank(see note 2)

MondayBranch closing t imeMonday

Monday Monday

Post Of f ice® cashdeposits (sterling only -restrict ions and limitsapply. See the terms andcondit ions for furtherdetails)

Over the counter at a Post Of f ice®branch using a Danske Bank DebitCard Tuesday

(See note 9)

Closing t ime for thePost Of f ice® branchbeing used – Monday

Monday Monday

Electronic payments

Bacs payments

Monday

N/AMonday

Monday (see note 3)

CHAPS payments (see note 4) 5.40pm Monday

Faster Payments Serv ice (see note 4and note 5)

Midnight MondayMonday

Faster Payments Service - standing order(see note 6) 6.00pm Monday Monday

Foreign Payments (all currencies, seenote 7) 4.00pm Monday

Monday or as shown on thepayment letter (see note 8)

Same as the value date(see note 3)

Any Danske Bank branch in NorthernIreland

Branch closing t imeMonday

Monday MondayeBanking

Midnight Monday

LINK (see note 10) Tuesday

Orig inal Credit (see note 11) Monday

The date that we receive thepayment (note; this can be upto 2 days prior to the Entrydate)

Same as value date

9. If you pay cash into your account (subject tothe terms and condit ions for your account)at a Post Of f ice® branch we will make thefunds available to you immediately. TheValue date will also be the same day thatyou made the lodgement. Although youravailable balance will be adjustedimmediately the Entry date which appearson your statement will be the next BusinessDay.

10. Some Paym payments may be received v iaLINK, depending on where the payer's bankaccount is held.

11. For some Orig inal Credits the Value datewill be the date that the payment is actuallycredited to our bank account.

Notes on cash deposits and electronic paymentsinto your account

1. Cash deposits made on a Saturday will beprocessed that day.

2. Other UK banks may accept sterling cashdeposits but the Entry date will always bethe date we receive the funds.

3. We cannot normally return funds whichhave been paid into your account. However,in special circumstances, we may have aduty to return the payment. We will alwaystell you the reasons for this when ithappens.

4. We will credit incoming CHAPS paymentsand Faster Payments on a Business Day(see def init ions at the start of the PaymentTable for more details).

5. If you withdraw funds against a FasterPayment before the Value date, you mayreceive less credit Interest or have to paydebit Interest.

6. Standing Orders can only be received v iaFaster Payments up until 6pm Monday toFriday (excluding English Bank holidays).

7. The Cut-of f t ime applies to payments wherewe are adv ised by the payer’s bank that itshould be treated as hav ing same day value.

8. The Value date will never be later than thedate we receive the funds, prov ided theyare received before the Cut-of f t ime. TheValue date will be shown on the adv ice noteor other notif ication we send to you aboutthe payment. If you withdraw funds againsta foreign payment into your account beforethe Value date you may receive less creditinterest or have to pay debit interest.


38


Cheques paid into your account The table below shows the processing times that will apply when you lodge a sterling cheque which is drawn on a bank in the UK and paid into your current orsavings account to clear (sometimes called the clearing cycle). It assumes that the cheque is paid in at a counter of a Danske Bank branch in Northern Ireland.You can also make a cheque payment into your account at most Post Of f ice® branches in Northern Ireland. It is important that you read the Notes to thissection carefully.

Note: Cheques drawn on a Northern Ireland bank cannot be presented for payment on a Northern Ireland bank holiday.

All times are quoted using 24 Hour clock. The Image Clearing Process commenced on 30 October 2017 and has now been fully implemented.

39

Date of lodgement(see notes 5 and 6)

Cut-off timeEntry date

Value dateWithdrawal date

(see notes 2, 3 and 4)Guaranteed date

Date original chequeis destroyed

Monday Branch closing time MondayTuesday

(00.01 hours)Tuesday

(by 23.59 hours)Tuesday

(23.59 hours)Thursday

Saturday (see note 1) Branch closing time SaturdayTuesday

(00.01 hours)Tuesday

(by 23.59 hours)Tuesday

(23.59 hours)Thursday

Notes on cheque payments into your account

1. If you deposit a cheque, at one of our branches, to abank account held with us on a Saturday, the Entrydate will be Saturday, and all other dates in theclearing process will be as detailed in the tableabove.

2. The exact time when the amount of the cheque canbe withdrawn will not be separately advised to you.However you will notice that your available balancewill have been changed by the amount of the cheque.You can view your available balance within eBankingor at any of our cash machines by requesting a ministatement.

3. If you withdraw funds against a cheque before theValue date, you may receive less credit interest or

have to pay debit interest. If you withdraw against acheque before the Guaranteed date and it isreturned unpaid, you will still be liable (legallyresponsible) for the amount of the cheque and anycredit interest paid, and we may charge theseamounts to your account. If your account is or goesoverdrawn, you may also have to pay debit interestand other charges. See our ‘Interest rates’ and ‘Feesand service charges explained’ leaf lets for moredetails.

4. We have the right to prevent you from withdrawingfunds against a cheque before the Withdrawal date.

5. If you deposit cheque(s) at a Post Of f ice® branchbefore the cut of f time which applies at that PostOf f ice® branch, we will receive the cheque(s) forprocessing on the next Business Day and that will be

the Entry date for the purposes of the table set outabove. Cut of f times at Post Of f ice® branches willvary and you should check with the Post Of f ice®branch for details.

6. If you deposit cheques at a Post Of f ice® branchafter the cut of f time applicable to that Post Of f ice®branch, we will receive the cheques for processingtwo Business Days after the day you made thedeposit. The Entry date, for the purposes of theabove tables, will be two Business Days after youmade the deposit at the Post Of f ice®.

Payment Table – Part 2 Payments out of your accountIf you wish to be certain that a payment will be made from your account you should ensure that there is enough money in your account, at the Cut-of f timespecif ied in the table below, at the time that the payment is due to be taken from your account.


40

Payment typeMethod/channel of payment

orderEntry date Cut-off time Value date

Maximum executiontime

Current standard spending limits (ifthese apply) (see note 1)

Cash withdrawal inpounds in the UK(unless it saysotherwise)(see note 14)

Over the counter at one of Ourbranches (see note 3)

Monday

Branch closing timeMonday

Monday

Monday

For withdrawals of large cashamounts or specific notedenominations, you may need togive notice to your branch. (see note4)

Cashback at the point of sale –for example, a supermarket orpetrol station (see note 5)

Midnight MondayScheme limits apply. Retailers’limits apply up to the level of thescheme limits.

From cash machines• At Danske Bank in the UK

• At another UK bank (see note 6)

• At a foreign bank (see note 5)

Midnight Monday

Monday, before 8pm

Monday after 8pm

Monday

Tuesday

Wednesday

Debit Card£350 each day

You can ask us to adjust spendinglimits.

Midnight Monday Wednesday


Payment Table Part 2 (cont.)


orderEntry date(see note 14)

Cut-off time Value dateMaximum

execution timeCurrent standard spending limits (ifthese apply) (see note 1)

41

Electronic payments –internal transfers

Any Danske Bank branch inNorthern Ireland

Monday


Monday Monday

Does not apply

eBanking and where you areaccessing your account using aTPP that uses the Open BankingAPIs (see notes 16 and 18)

Midnight Monday

1. £25,000 for 3rd party internal

2. Does not apply to own accounttransfers

Danske Mobile Bank Midnight Monday

1. £10,000 for 3rd party internal

2. Does not apply to own accounttransfers

Paym(see note 15) Midnight Monday £250 daily limit

Standing order(see note 9)

9.30pm Monday Monday Monday Does not apply

Electronic payments –Faster Payments

Service (see note 7)

Any Danske Bank branch inNorthern Ireland

Monday


Monday(payments madebefore 3.30pm)

Tuesday(payments madeafter 3.30pm)

Monday

£100,000

eBanking and where you areaccessing your account using aTPP that uses the Open BankingAPIs (see notes 16 and 18)

Midnight Monday £25,000daily limit (see note 2)

Danske Mobile Bank Midnight Monday £10,000 daily limit

Paym(see note 15) Midnight Monday £250 daily limit

eBanking – Future DatedPayments 2pm Monday Monday £25,000

daily limit (see note 2)


Payment Table Part 2 (cont.)

42


orderEntry date Cut-off time Value date


Current standard spending limits (ifthese apply) (see note 1)

Electronic payments -CHAPS payments

CHAPS at any Danske Bankbranch in Northern Ireland

Monday

Monday 4.30pm

Monday Monday

Does not apply

Electronic payments - Direct Debit

UK Direct Debit Scheme 3.30pm Monday Does not apply

SEPA Core Direct Debit Scheme(Euro Currency A/c only)

Midnight Sunday Does not apply

Electronic payments

Point–of–sale transactions andonline transactions – domesticelectronic payments, foreignpayments (all currencies), anddomestic or foreign recurringtransactions(all currencies) -

(see note 5)

Midnight Monday

Does not apply

(£45 per transaction if contactless)

Under – 16s will need permission

Electronic payments –standing orders (see

note 8)

Standing order – Faster PaymentsService

9.30pm Monday

Monday(paymentsmadebefore3pm)

Tuesday(paymentsmadeafter3pm)

Monday(paymentsmadebefore3pm)

Tuesday(paymentsmadeafter3pm)

£100,000

Standing order – CHAPS payment Does not apply


Electronic payments - Foreign payments out of your account (Express and Standard) and transfers to your own account within Danske Bank Group (knownas a Group Payment) (see note 10 ) - at any Danske Bank branch in Northern Ireland, eBanking and where you are accessing your account using aTPP thatuses the Open Banking APIs (see note 18)

43

Type of Payment Order Destination Bank Conversion (see note 11)

Currencies (see note 12) Entry date Cut-off time Value date


(see note 17)

Current standardspending limits (if

these apply)(see note 1)

Standard

Within the Danske Bank

Group

With and withoutconversion EURO

MondayMonday4.30pm Monday

Monday

£25,000 daily limit(see note 2)

Without conversionBGN, CHF, CZK, DKK, GBP, HRK,HUF, ISK, NOK, PLN, RON, SEK

All other non-EEA currencies Wednesday

With conversionAll EEA currencies (except EURO) Tuesday

All non EEA currencies Wednesday

Outside the Danske Bank

GroupWith and without

conversion

EURO Tuesday

All EEA currencies (except EURO)within the EEA

Tuesday

All non-EEA currencies Wednesday

Express

Within the Danske Bank group

With and withoutconversion EURO (see note 13)

Monday

Monday4.30pm Monday Monday

Without conversion

BGN, CHF, CZK, DKK, GBP, HRK,HUF, ISK, NOK, PLN, RON, SEK

(see note 13)Monday4.30pm Monday Monday

USD Monday2.30pm Monday Monday

All other non-EEA currencies Monday2.30pm Tuesday Tuesday

With conversion

DKK, GBP, NOK, SEK, USD Monday2.30pm Monday Monday

BGN, CHF, CZK, HRK, HUF, ISK,PLN, RON

Monday10.00am Monday Monday


Outside the Danske Bank


conversion

EURO and DKK, GBP, NOK, SEK,USD

Monday2.30pm Monday Monday

BGN, CHF, CZK, HRK, HUF, ISK,PLN, RON

Monday10.00am Monday Monday


Transfer to ownaccount within theDanske Bank Group

(see note 10)

Within the Danske Bank


conversionEURO

and all other currencies Monday Monday5.30pm Monday Monday £25,000

daily limit


Notes on payments out of your account

1. Spending limits can be changed. We will give younotice by updating the Payment Table (available on ourwebsite) of the limits from time to time. Spendinglimits also depend on the available balance plus anyArranged Overdraft in your account.

2. eBanking - these are the daily spending limits whichapply in any 24 hour period as determined by us.

3. Where a counter service is available on a Saturdaycash withdrawals at the counter will be processedthat day.

4. The Bank reserves the right to limit the amount ofcash that you can withdraw from your account at anyone time. Where you require to make a largewithdrawal then the Bank may decide to makepayment to you using alternative means other thancash. For example the Bank may decide to make thepayment to you by banker’s draft.

5. The Entry date is normally the Business Day after thetransaction took place but can be later. We mayreduce the available funds on your account at the timethe transaction takes place.

6. The Entry date is normally the Business Day after thetransaction took place if the transaction was madebefore 8pm, but can be later. We may reduce theavailable funds on your account at the time thetransaction takes place.

7. If you send a Faster Payment on a Saturday or Sundayor English Bank holiday or after the Cut-of f time wewill treat the payment as being sent for the purposesof calculation of interest on the following BusinessDay, where that is not a Saturday, Sunday or EnglishBank holiday.

8. In accordance with the terms and conditions for youraccount, we will select the method by which thepayment is sent. If the payment is sent by CHAPS, thePayee’s bank may charge the Payee a fee.

9. If You make a payment by internal standing order to aloan or mortgage account with us refer to Clause5.5.2 of the General Terms and Conditions - PersonalAccounts

10. A Group payment is a payment made between twoaccounts where both accounts are held in the samename but one of the accounts is held in a Danske Bank

Group bank which operates in Denmark, Sweden, Norway,Finland, Poland, Luxembourg, Hamburg, Ireland or Englandand your account is held with us.

11. This table assumes conversion takes place at the payer’sbank. Conversion is where you ask us to send the paymentin a currency which is dif ferent to the currency of youraccount. We will carry out the currency conversion beforethe payment is sent.

12. This column details the currency in which the payment issent. Euro (EUR), Bulgarian Lev (BGN), Swiss Francs (CHF),Czech Koruna (CZK), Danish Kroner (DKK), Pounds Sterling(GBP), Croatian Kuna (HRK), Hungarian Forint (HUF),Icelandic Kroner (ISK), Norwegian Kroner (NOK), PolishZloty (PLN), Romanian Lei (RON), Swedish Kronor (SEK), USDollar (USD).

13. The Express service of fered for this type of transaction isthe same as the Standard service. Standard service feeswill apply if you select the Express service.

14. Where you make a withdrawal at a Post Of f ice® branch(subject to the terms and conditions of your account) theEntry date which will appear on your bank statement will bethe next Business Day after you make the withdrawal. Thismeans, for example, that if you withdraw cash at a PostOf f ice® on a Friday or Saturday the Entry date for thepurposes of the above table, will be Monday.

15. PaymTM is a registered trademark and is used under licencefrom the Mobile Payments Service Company Ltd.

16. Sometimes, for your added protection we need to carry outextra checks before making a payment through eBanking.Where this applies the Maximum execution time will beeither the time set out under the relevant column of thePayment Table or the close of business on the followingBusiness Day - whichever is the later. We will not alwayscontact you to tell you that the payment may be delayed.

17. Sometimes, for your added protection we need to carry outextra checks before making a foreign payment out of youraccount through eBanking. Where this applies and thepayee is in the EEA the Maximum execution time will beeither

(a) the time set out under the relevant column ofthe Payment Table; or

(b) in the case of Euro payments or a paymentwhich has been converted to Euro beforebeing made the close of business on thefollowing Business Day; or

(c) in the case of a payment which is not in Euro(but is in an EEA currency) to another bankwithin the EEA the close of business on thefourth Business Day after the day we receivedthe payment instruction

- whichever is the later. We will not always contactyou to tell you that the payment may be delayed.

18. Payments made in eBanking or by a TPP using theOpen Banking APIs are processed as CreditTransfers.

44


Cheques paid out of your accountNote: Cheques drawn on a Northern Ireland bank cannot be presented for payment on a Northern Ireland bank holiday.

All times are quoted using 24 Hour clock. The Image Clearing Process commenced on 30 October 2017 and has now been fully implemented.

Date of lodgement by payee (see notes 1 and 2)

Entry date Value datePay/no pay decision(see notes 3, 4 and 5)

MondayTuesday

(between 00.30 and 07.00 hours)Tuesday

(between 00.30 and 07.00 hours)Tuesday

(between 00.30 and 15.30 hours)

45

Notes on cheque payments out of your account

1. This can be any time after you give the cheque tothe payee – this table assumes that day is Mondayand before the cut of f time at the place where thelodgement takes place.

2. A cheque can be lodged in many ways including overa counter of the Bank, through another bank or insome instances a bank may accept lodgementsmade using a digital image of a cheque providedthat the digital image meets the requirements setout in Cheque Clearing System rules.

3. You can ask us to cancel a cheque before the ‘pay’decision has been made. We will use bestendeavours to comply with your instruction within areasonable period of time but we cannot guarantee

that we will be able to do so. You should contact usin the following way if you want us to cancel acheque: telephone us at 0345 6002882. Lines areopen between 8am and 8pm Monday to Friday andbetween 9am and 5pm on Saturdays and Sundays,except for bank holidays or other holidays inNorthern Ireland when the bank is not open forbusiness. Call charges may vary. Please contact yourphone company for details. We may record ormonitor calls to conf irm details of our conversations,and for verif ication and quality purposes.

4. If we decide not to pay a cheque we will reverse anyaccounting entries. You will also have to pay the feeset out in our ‘Fees and service charges explained’leaf let.

5. Where your account would go into an UnarrangedOverdraft if we decided to pay a cheque by allowing apayment despite lack of funds we will not make thatdecision until after 14.00 hours. A decision will alwaysbe made before 15.30 hours.

6. We will not notify you once a decision to pay a chequehas been made. If a decision has been made not to paythe cheque then the accounting entries will bereversed after 15.30 hours and we will send you anotice setting out the reason for our decision

Sect ion 2

Special Terms and Conditions for Personal Current Accounts (on sale)

change You can close the Account before theend of the notice period without having to payany extra charges.

4.3 In order to qualify for the Cash Reward in acalendar month, each of the following criteriamust be met during the previous calendar month:

You must:• pay in at least £1,200 (not including

interest, fee refunds or amountstransferred from another Danske Bankaccount You have); and

• log on to eBanking or Danske Mobile Bankat least once (for joint accounts, at leastone party to the account must do this)

4.4 The Cash Reward will be credited to YourAccount without any deduction of tax.Whether You have to pay tax on the cashreward will depend on Your personalcircumstances.

4.5 It is Your responsibility to monitor Your Accountto ensure that it continues to meet Yourrequirements. You will receive regularstatements which will provide You withinformation about the fees which have beendebited to Your Account – including the monthlyaccount fee for maintaining the account. You willalso be able to monitor whether You havequalif ied for the Cash Reward.

5. Debit Mastercard5.1 You may apply for a Debit Mastercard Card to

be issued to You. Availability of the Card issubject to status.

5.2 Use of the Card is subject to the Special Termsand Conditions applicable to the Card and tothe fees and service charges set out in the‘Fees and service charges explained’ leaf let.

do not agree to the change You will have theright to close the Account before the end ofthat notice period without having to pay anyextra charges.

3.2 The monthly account fee will be taken fromYour Account (including any months You donot qualify for the cash reward) on the lastBusiness Day of each month.

3.3 In the month the Account is opened, themonthly account fee will be proportionate tothe number of days the Account has beenopen. No fee will be charged in the month theAccount is closed or amended to anotherproduct.

Other fees and serv ice charges3.4 The fees and service charges which apply to

the Account are set out in the ‘Fees andservice charges explained’ leaf let which isavailable on Our Website and at any of Ourbranches.

4. Cash Reward 4.1 Where, on or before 6pm on the last Business

Day of the calendar month, You meet all of therequirements set out in Clause 4.3, We willcredit Your Account with the Cash Reward onthe first Business Day of the following calendarmonth. If You close the Account or change it toanother product before the Cash Reward iscredited to Your Account then You will notreceive the Cash Reward.

4.2 The Cash Reward is currently £7 and issubject to change. We can change the amountof the Cash Reward or the requirements setout in Clause 4.3 for any of the reasons setout in Clause 27.7 of the General Terms andConditions – Personal. We will always giveYou at least 2 months’ notice before We makesuch a change and if You do not agree to the

Special Terms and Condit ionsPersonal Current Accounts (On Sale)

These Special Terms and Conditions are in additionto the General Terms and Conditions – PersonalAccounts. Unless otherwise stated where anySpecial Terms and Conditions are not consistentwith the General Terms and Conditions then theSpecial Terms and Conditions will apply to theextent of that inconsistency in relation to therelevant Account.

Danske Cash Reward 1. The Danske Cash Reward Account (“the

Account”) is only available to personalcustomers aged 18 years of age or older andis subject to status.

2. You may only hold a maximum of two DanskeCash Reward Current Accounts, one in Yourname and one in joint names. If You open orhold any additional Danske Cash RewardCurrent Accounts, We will change them to aDanske Choice Current Account. We willwrite to You and tell You before We changethe account.

3. Fees Monthly account fee for maintaining the

account3.1 A monthly account fee applies to this

account. Details of the monthly account feeare set out in the ‘Fees and service chargesleaf let’, which is available on Our Website.The monthly account fee is variable. We maychange the monthly account fee for one ofthe reasons set out in Clause 27.7 of theGeneral Terms and Conditions – Personal.We will always give You at least 2 months’notice before We change the fee and if You

46


payment, such as a direct debit or standingorder) and You do not have enough money inYour Account by the Cut-off time on the daythat We are asked to make the payment thenWe will refuse to make the payment due to lackof funds. On the date that the payment ispresented for payment, We will check thebalance on Your Account at the start of day and,again before the Cut-off time. If there is enoughmoney in Your Account at the time that Wecheck the balance We will make the payment.We may charge a service charge (known as aReturned Item fee) as set out in our ‘Fees andservice charges explained’ leaf let for refusing apayment due to lack of funds.

Where more than one item is presented forpayment on the same day We will processYour payment requests as follows:(a) Direct Debits

We will check the balance on Your Accountat the start of day (usually shortly aftermidnight) and again at the Cut-of f time. Ifthere is enough money in Your Account ateither of these times We will pay Your directdebits. We refer You to the Payment Tablewhich sets out the relevant Cut-of f time andValue Date for payments made from YourAccount.

(b) Standing Orders We will check the balance on Your Account at

the start of day (usually shortly after midnight)and up until the Cut-off time. If at the time Wecheck Your Account there is enough money tomake the payment then We will proceed to debitYour Account and make the payment. We referYou to the Payment Table which sets out therelevant Cut-off time and Value Date for

account range which We will open in Yourname. The Terms and Conditions which willapply to Your new account will be advised toYou when We open the account for You.

3. You may apply for a Debit Mastercard Cardto be issued to You. Availability of the Card issubject to status. Use of the Card is subjectto the Special Terms and Conditionsapplicable to the Card.

4. eBanking and Third Party Providers4.1 You can access the Account online using

eBanking. 4.2 Provided You are registered for eBanking,

You can access the Account using TPPservices.

Danske Standard 1. The Danske Standard Account is only

available to personal customers aged 18years of age or over.

2. The Danske Standard Account is a bankaccount designed for people who are on a lowincome and content to accept the limitedmoney transmission functionality of thisaccount. We are not obliged to open aDanske Standard Account for You.

3. No cheque book facility is available on theDanske Standard Account. Clause 10 of theGeneral Terms and Conditions is notapplicable to the Danske Standard Account.

4. There is no Arranged Overdraft Service asdescribed in Clause 14.3 of the GeneralTerms and Conditions available on theDanske Standard Account.

If You try to make a payment out of YourAccount (known as presenting an item for




Danske Choice 1. The Danske Choice Account is only available

to personal customers aged 18 years orolder and is subject to status.





Danske Freedom1. The Danske Freedom Account is only

available to personal customers agedbetween 18 and 27 years old, and is subjectto status.

2. You will be eligible for the Danske FreedomAccount until You (or in the case of a jointAccount, any Account Holder) becomes 28years old. On that date, if We have not receivedinstructions regarding the balance in YourDanske Freedom Account from You, We mayclose Your Account giving You at least twomonths’ notice or transfer any balance in YourAccount to another account in Our current

47

payments made from Your Account. Wheremore than one standing order is due to be paidfrom Your Account on the same day and You donot have enough money in Your Account to coverthe total amount of all of the standing orders,then We will not pay any. We may charge aservice charge for each item that We return(known as a Returned Item fee) as set out in our‘Fees and service charges explained’ leaflet forrefusing a payment due to lack of funds.

5. Where a fee or service charge is due to bepaid from Your Account and You do not haveenough money in Your Account to pay the feeor service charge, then We will deduct itfrom Your Account and a debit balance willbe created. Any credits to Your Account willbe applied f irstly against any debit balancewhere We have a right to do so.

6. If You have provided Us with Your mobiletelephone number then We will send You atext message to alert You if a debit balancehas been created on Your Account. The textmessage will tell You the time by which Youneed to lodge or transfer funds to avoid Usrefusing a payment due to lack of funds andincurring returned item fees as a result. Toavoid incurring returned item fees You mustlodge or transfer enough money to cover thefee(s) to be debited from Your Account. If Youhave not provided Us with Your mobiletelephone number or You have opted out ofreceiving Unarranged Overdraft alerts thenWe will be unable to send You an alert.

7. You may apply for a Debit Mastercard Cardto be issued to You. Use of the Card issubject to the Special Terms and Conditionsapplicable to the Card.

8. You may apply for our eBanking service,including Mobile and Tablet Apps. Use ofeBanking is subject to the Special Terms andConditions applicable to eBanking andElectronic Signature.

9. eBanking and Third Party Prov iders9.1 You can access the Account online using



Danske Discovery 1. The Danske Discovery Account is only

available to personal customers agedbetween 11 and 17 years old. You can onlyopen the Account in Your own name. Jointapplications will not be accepted.

2. You will be eligible for the Danske DiscoveryAccount until You become 18 years old. Onthat date, if We have not receivedinstructions regarding the balance in YourDanske Discovery Account from You, Wemay close Your Account giving You at leasttwo months’ notice or transfer any balance inYour Account to another account in Ourcurrent account range which We will open inYour name. The Terms and Conditions whichwill apply to Your new account will be advisedto You when We open the account for You.

3. No cheque book facility is available on theDanske Discovery Account. Clause 10 of theGeneral Terms and Conditions is notapplicable to the Danske Discovery Account.

4. There is no Arranged Overdraft Service asdescribed in Clause 14.3 of the GeneralTerms and Conditions available on the

Danske Discovery Account. If You try to makea payment out of Your Account (known aspresenting an item for payment, such as aCard payment, direct debit or standing order)or interest or a fee or service charge isapplied to Your Account which would havethe ef fect of creating an overdraft, then Wewill treat this as an application for anUnarranged Overdraft and this will be dealtwith in accordance with the applicableprovisions in Clause 14 of the General Termsand Conditions.

5. You may apply for a Debit Mastercard Cardto be issued to You. Use of the Card issubject to the Special Terms and Conditionsapplicable to the Card.

6. Your Parent or Guardian must consent to Youregistering for eBanking. They can do so onthe Bank’s approved form. 24 HourTelephone Banking is not available withDanske Discovery Accounts.

7. A Mandate may only be given by You to Yourparent(s) or guardian(s) and We shall beentitled to honour and to charge to theAccount and You shall be liable for anyTransactions or withdrawals (and associatedcosts, charges and expenses) made orauthorised under the Mandate until it isrevoked by You or We advise You that it hasceased to be ef fective for any reason.




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Currency Account

These Special Terms and Conditions are in additionto the General Terms and Conditions – BusinessAccounts or General Terms and Conditions –Personal Accounts (as applicable). Unlessotherwise stated where any Special Terms andConditions are not consistent with the GeneralTerms and Conditions then the Special Terms andConditions will apply to the extent of thatinconsistency in relation to the relevant Account.

References in these Special Terms and Conditionsto the ‘General Terms and Conditions’ should beconstrued as references to the Bank’s GeneralTerms and Conditions – Personal Accounts or theBank’s General Terms and Conditions – BusinessAccounts as applicable to the Account which Youhold.

If You are a Corporate Opt-out CustomerIf We have notif ied You that You are a CorporateOpt-out Customer, then some of these Terms andConditions will apply dif ferently as explained in theseparate corporate opt-out notif ication provided toYou. To enable You to identify the Conditions thatapply dif ferently to You and to allow You to compareYour terms with those that apply to retail and smallbusiness customers, the Conditions that apply toYou have been shaded in grey, and the dif ferencesexplained. The grey shading is for ease of referenceonly, and is not intended to form part of thisAgreement.

All Conditions that contain no shading apply to Youas stated.

If You are not a Corporate Opt-out CustomerIf We have not notif ied You that You a CorporateOpt-out Customer the sections contained in greyshaded areas do not apply to You and do not formpart of Your Agreement with Us.

If You have any queries in relation to the CorporateOpt-out, please contact Us.

Def init ionsThe Def initions set out in the Bank’s GeneralTerms and Conditions apply. In addition thefollowing def initions apply to these Special Termsand Conditions“Account” means a Currency Account(denominated in the Currency requested by You)opened by You with Us under these Terms andConditions;“Currency” means such currencies as the Bankmay of fer in respect of an Account from time totime;“Due Date” means in relation to a collection underthe SEPA Core Direct Debit Scheme or the SEPAB2B Direct Debit Scheme the day when thepayment is due to the creditor as advised to theBank in the collection request;“EEA” means the European Economic Area,comprising the Member States of the EuropeanUnion, plus Iceland, Liechtenstein and Norway;"EEA currency" means the Euro and any currencywhich is the national currency of an EEA memberstate;“Interest Reference Rate” means the benchmarkrate of interest that We use when determining theinterest rate that applies to Your Account. We canadd or deduct a margin to or from the InterestReference Rate to determine what the interest ratewill be;

“Nominating Body” means any applicable centralbank, regulator or other supervisory authority or agroup of them or any working group or committeesponsored by or chaired by, or constituted at therequest of, any of them or the Financial StabilityBoard;“Replacement Interest Reference Rate” meansthe Interest Reference Rate that We will use whereany Interest Reference Rate referred to in the Tableat the end of these Special terms and conditions isreplaced by an Interest Reference Rate formallydesignated, nominated or recommended as areplacement benchmark rate of interest by (a) aNominating Body or (b) the administrator of theInterest Reference Rate. If a Replacement InterestReference Rate has been formally designated,nominated or recommended by both (a) and (b)then the Replacement Interest Reference Rate willbe the rate set by the Nominating Body;“SEPA” means the area where citizens, companiesand other actors will be able to make and receivepayments in euro within all the EU Member States,whether between or within national boundariesunder the same basic conditions, rights andobligations, regardless of their location;“SEPA B2B Direct Debit Scheme” means thepayments scheme for making direct debits acrossSEPA where both the creditor and the debtor is aCorporate Opt-out Customer, as set out in theSEPA B2B Direct Scheme Rulebook;“SEPA B2B Direct Debit Rulebook” means theRulebook setting out rules and business standardsfor the SEPA B2B Direct Debit Scheme;“SEPA Business to Business Direct DebitAgreement” means the agreement between Youand the Bank under which We agree that You canmake payments from Your Account under the SEPAB2B Direct Debit Scheme;


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“SEPA Core Direct Debit” means the paymentinstrument governed by the rules of the SEPA CoreDirect Debit Scheme for making direct payments ineuro throughout SEPA from bank accounts to otherbank accounts;“SEPA Core Direct Debit Rulebook” means theRulebook setting out rules and business standardsfor the SEPA Core Direct Debit Scheme;“SEPA Core Direct Debit Scheme” means thepayments scheme for making direct debits acrossSEPA as set out in the SEPA Core Direct SchemeRulebook;“TARGET Day” means an Inter-Bank Business Dayidentif ied as such in the calendar of the Trans-European Automated real-time Gross SettlementExpress transfer System;“Third Party Prov ider” (“TPP”) means anindependent provider of services which can of ferAccount Information Services or Payment InitiationServices to You, or which issues instruments formaking Card Based Payments out of Your Account;

1. Applications Applications to open an Account can be

made by completion of the necessaryAgreement.

2. Opening an Account2.1 We reserve the right to require a minimum

balance of the equivalent of £10,000 (tenthousand pounds sterling) to open anAccount. If the balance falls below thisamount, We reserve the right to close YourAccount.

2.2 If We close Your account under Clause 2.1then We will give You at least two months’notice and We will transfer any balance inthe Account to another account which Wewill open in Your name. The terms and

conditions which apply to this Account willbe advised to You when We open any suchaccount for You.

2.3 If You are a Corporate Opt-out Customer thenClause 2 will apply save that the period ofnotice can be less than two months but willalways be at least thirty days.

3. Payments into the Account3.1 Cash3.1.1 You may pay cash into the Account at a

Danske Bank Branch in Northern Ireland,Your statement will show the cash (or thecurrency equivalent of the cash if in acurrency dif ferent from the currency of theAccount) being credited to the Account onthe day of receipt. [The currency equivalentof the cash (if applicable) will be calculated atthe Danske Bank Exchange Rate (UK) for therelevant currency on the applicable day atsuch time as the Bank may select or at suchother rate as has been agreed with You]. Youmay only make a cash payment into theAccount using bank notes. Coins are notaccepted. These funds will be available todraw on the day the Account is credited. Wereserve the right to refuse to accept certaincurrencies and/or certain amounts of certaincurrencies as We may from time to timedetermine. We will charge You a fee whenYou make a cash lodgement into YourAccount. The fees are set out in Our ‘Feesand service charges explained’ leaf lets.

3.2 Cheques3.2.1. If You pay into Your Account non sterling

cheques in the same currency as YourAccount and We do not send the cheques forcollection, the following Value Dates willapply:

• Euro cheques drawn on a bank in theRepublic of Ireland will receive valuethree Business Days after the date oflodgement;

• all non sterling cheques (other than Eurocheques drawn on a bank in the Republicof Ireland) will receive value six BusinessDays after the date of lodgement.

3.2.2 A non-sterling cheque in a currency dif ferentfrom that of Your Account may be paid intoYour Account. If this applies, We willpurchase it from You. We will convert thecheque from the currency of the cheque tothe currency of Your Account (calculated atthe Danske Bank Exchange Rate (UK) for therelevant currency on the applicable day atsuch time as the Bank may select, or at suchother rate as has been agreed with You).Where We do not send the cheque forcollection, the following Value Dates willapply:• Euro cheques drawn on a bank in the

Republic of Ireland will receive valuethree Business Days after the date ofpurchase;

• all non sterling cheques (other than Eurocheques drawn on a bank in the Republicof Ireland) will receive value six BusinessDays after the date of purchase:

3.2.3 Where We do not send the cheque forcollection, Your statement will show theamount of the cheque (or the currencyequivalent amount of the cheque if thecheque is in a currency dif ferent from thecurrency of the Account) being credited toYour Account on the day of receipt. [Thecurrency equivalent of the amount of thecheque (if applicable) will be calculated at theDanske Bank Exchange Rate (UK) for the

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relevant currency on the applicable day atsuch time as the Bank may select, or at suchother rate as has been agreed with You).After the Value Date the drawer bank maystill return the cheque unpaid. If this happensWe will debit Your Account with the amountof the cheque and advise You accordingly.

3.2.4 If the cheque has been sent for collection,We will give You a receipt for the cheque.Your statement will show the applicableamount being credited to Your Account onthe day that We receive value from thedrawer bank. The date that the amount iscredited to Your Account, in this instance, isalso the Value Date and the Guaranteed Date

3.2.5 Unless the cheque is sent for collection,there is no Guaranteed Date for non-sterlingcheques (including Euro cheques) and thedrawer bank may return the cheque unpaidat any time.

3.3 SEPA Direct Debits (Euro Accounts only)3.3.1 SEPA Direct Debits are collected under an

interbank payment scheme which applies acommon set of rules and procedures acrossthe Single Euro Payments Area (SEPA) forEuro direct debit payments.

3.3.2 You may apply to collect SEPA Direct Debitpayments into Your Account as a creditor.We will only accept Your application where• You have a Euro Currency Account; • a District Agreement with Us where You

have accepted the terms and conditionsfor SEPA Direct Debit Collection Serviceby signing the relevant AccessAgreement (an establishment fee and amonthly subscription fee as set out in the‘Fees and service charges explained’leaf let will apply);

• You have a SEPA Creditor ID; • We have agreed a SEPA Direct Debit

Settlement Line for You; and• You have completed the relevant counter-

indemnity on Our standard form. 3.3.3 The fees and service charges which apply to

each collection made using the SEPA DirectDebit Originator service are set out in the‘Fees and service charges explained’ leaf let.These fees are calculated at the end of eachmonth and charged to Your Account or,where applicable, an account nominated byYou on the last Business Day of the nextmonth.

3.3.4 Where We agree to provide You with theSEPA Direct Debit Collection Service Youagree that You will comply with the SEPACore Direct Debit Rulebook or the SEPA B2BDirect Debit Rulebook (as applicable).Without prejudice to the generality of theforegoing You agree that if We make thisService available to You;-• You will obtain the mandate (as def ined in

the relevant Rulebook) in the form set outin the relevant Rulebook and have thisduly signed by the debtor;

• You will store the mandate provided bythe debtor and any amendments theretoand any information relating to thecancellation of the mandate; and

• You will not present a collection under amandate where there has been nocollection or presentation for paymentunder the mandate for 36 months.

3.3.5 Where We provide You with the SEPA DirectDebit Collection Service, the Payment Tablesets out the processing times that will applyto incoming payments (see under “Electronic

Payments” in the “Payments Into YourAccount” section of the Payment Table).

4. Payments out of Your Account4.1 Cheques You can make payments from Your Account

by cheque if this Service is provided in thecurrency of the Account. Where We agree toprovide You with a cheque book an AccountMaintenance Fee will apply. You will alsohave to pay a fee for each cheque that ispresented for payment. Where the account isa Euro currency account the fees andcharges which apply are set out in Our ‘Feesand service charges explained’ leaf let.Where the currency of the Account is not inEuro We will advise You of the relevant feesand service charges at the date when Weprovide You with the cheque book service.

4.2. Standing Orders You can make payments from the Account by

Standing Order if this Service is provided inthe currency of the Account. You will need tocomplete the applicable Standing Orderinstruction form which is available onrequest.

4.3 Direct Debits4.3.1 Direct Debits – General You cannot make a payment from Your

Account under the UK Direct Debit Scheme.If We do agree to make a payment from YourAccount by direct debit and that direct debitis originated outside of the United Kingdomthen You will not be protected by the DirectDebit Guarantee and You should check withthe originator of any such direct debit if Youhave any protections.


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4.3.2 SEPA Direct Debit If Your Account is a Euro Account You may

make a payment within the Single EuropeanPayments Area (SEPA) under the SEPADirect Debit Core Scheme or under the SEPAB2B Direct Debit Scheme. Payments madeunder either of these Schemes can be for asingle payment or may involve a recurringcollection. Payments will be executed withinthe timetable set out in the relevant sectionof the Payment Table. A fee will be applied foreach SEPA direct debit payment that is takenfrom your Account – full details are set out inthe ‘Fees and service charges explained’leaf let

The SEPA Core Direct Debit Schemea) Any payments under the SEPA Core

Direct Debit Scheme will be subject tothe SEPA Core Direct Debit SchemeRulebook and You agree to comply withthose rules. The creditor will ask You tocomplete a mandate authorising thecreditor to collect payments from YourAccount under the SEPA Core DirectDebit Scheme. We will not receive a copyof the mandate and We will not check itscontents. You agree that You will complywith the terms of the mandate that Youhave agreed with the creditor. Theunderlying contract between You and thecreditor, and any claims or defencesunder it, is outside of these terms andconditions and is entirely a matterbetween You and the creditor. You shouldseek to resolve any disputed collectiondirectly with the creditor.

b) You have a right to give Us notice thatYou want to prohibit any payments beingmade from Your Account under the SEPACore Direct Debit Scheme. If You havegiven Us such notice then We will refuseto make any subsequent payments fromYour Account even if We receive acollection request. If You are an eBankingcustomer then You can also register forthe ‘Closed mandate’ function ineBanking. This will mean that We will onlyexecute payments under the SEPA CoreDirect Debit Scheme where You haveregistered the mandate. Furtherinformation on the ‘Closed mandate’function is available in eBanking and fromYour Branch. Registration of a mandateunder the ‘Closed mandate’ function doesnot require the Bank to reserve funds inYour Account. If there are insuf f icientfunds in Your Account at the time that theSEPA direct debit is presented forpayment then, as set out in Clause (f)below We may refuse to execute thepayment irrespective of whether themandate was registered on the ‘Closedmandate’ list or not.

c) The creditor should give You a pre-notif ication at least 14 days before theDue Date of any proposed collectionrequest. If You want to prevent a paymentfrom being debited to Your Account thenYou must give Us notice at the latest onthe Business Day before the Due Date.We will debit Your Account on the DueDate specif ied by the creditor. If the DueDate is not a Business Day then We will

debit Your Account on the next BusinessDay provided that it is also a TARGET Day.If the Due Date is not a TARGET Day thenWe will debit Your Account on the nextTARGET Day provided that it is aBusiness Day.

d) Where We have not received noticeunder paragraphs (b) or (c) above, and theconditions in paragraph (e) do not apply,then We will consider a collectionrequest under the SEPA Core DirectDebit Scheme to have been authorised byYou provided that We have received avalid collection request via the SEPA CoreDirect Debit Scheme and We have beenprovided with the following information bythe creditor’s bank:• a valid ID Code;• a unique mandate reference;• the identif ier of the creditor;• Your IBAN; and• the transaction type. If You are an eBanking customer who hasregistered for the ‘Closed mandate’function, You must also have registeredthe mandate otherwise We will refuse tomake the payment.We will refuse to make a payment if morethan 36 months has elapsed since anyprevious collection was presented underthe relevant mandate.If You wish to amend the terms of themandate that You have agreed with thecreditor, for example, if You wish thecreditor to debit a dif ferent Account, thenYou must contact the creditor and agree anew mandate.


52

e) We may refuse to execute a payment fortechnical reasons such as circumstanceswhere the Account has been closed orYou have told Us not to execute a specif icpayment before the Due Date.

f) We may refuse to execute a paymentwhere there are insuf f icient funds in YourAccount. You should ensure that thereare suf f icient cleared funds in YourAccount (or within Your ArrangedOverdraft facility) on the day before theDue Date.

g) We can request the return of a paymentmade under SEPA Core Direct DebitScheme within 5 TARGET Days of thedate that Your Account was debited forany of the reasons set out in paragraph(e) or (f) or for any analogous reason.

h) Where a payment has been taken fromYour Account You have a right to requesta refund from Us in the followingcircumstances:• within 8 weeks of the date that Your

Account was debited. This is a rightto an immediate refund on a “noquestions asked basis” and isavailable whether You haveauthorised the payment or not.

• after 8 weeks but within 13 monthsof the date that Your Account wasdebited where You claim that thepayment was not authorised by You.In this case, We will consider Yourrequest and may require You toprovide Us with information tosupport Your claim. We will contactthe Payee’s Bank and they may ask

Us for further information beforemaking a decision on whether toaccept or reject Your claim. Wherethe claim is accepted, a refund willbe made directly to Your Accountfrom the Payee’s bank. It can take upto 30 days from the date that Wereceived Your claim to process therefund.

• Where Your claim is rejected Youwill need to contact the Payeedirectly to try to resolve the issue.

The UK’s Direct Debit Guarantee Schemedoes not apply to SEPA Direct Debits. If Weagree to provide a refund this does notrelieve You of any responsibility You have toresolve any issues in respect of the disputedCollection with the creditor, nor does thepayment of a refund by Us prejudice theoutcome of such a dispute.

The SEPA B2B Direct Debit Scheme If You are a Corporate Opt-out Customer and

the transaction type is under the SEPA B2BDirect Debit Scheme then You must completea SEPA Business to Business Direct DebitAgreement with Us and the following willapply:a) Any payments under the SEPA B2B

Direct Debit Scheme will be subject tothe rules of the SEPA B2B Direct DebitScheme Rulebook and You agree tocomply with those rules. The creditor willask You to complete a mandateauthorising the creditor to collectpayments from Your Account under the

SEPA B2B Direct Debit Scheme. Inaccordance with the terms of Your SEPABusiness to Business Direct DebitAgreement You must provide Us with acopy of the mandate. You agree that Youwill comply with the terms of the mandatethat You have agreed with the creditor.The underlying contract between You andthe creditor, and any claims or defencesunder it, is outside of these terms andconditions and is entirely a matterbetween You and the creditor. You shouldseek to resolve any disputed collectiondirectly with the creditor.

b) You have a right to give Us notice thatYou want to prohibit any payments beingmade from Your Account under the SEPAB2B Direct Debit Scheme. If You havegiven Us such notice then We will refuseto make any subsequent payments fromYour Account even if We receive acollection request.

c) The creditor should give You a pre-notif ication at least 14 days before theDue Date of any proposed collectionrequest. If You want to prevent a paymentfrom being debited to Your Account thenYou must give Us notice at the latest onthe Business Day before the Due Date.We will debit Your Account on the DueDate specif ied by the creditor. If the DueDate is not a Business Day then We willdebit Your Account on the next BusinessDay provided that it is also a TARGET Day.If the Due Date is not a TARGET Day thenWe will debit Your Account on the nextTARGET Day provided that it is aBusiness Day


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d) Where We have not received noticeunder paragraphs (b) or (c) above, and theconditions in paragraph (e) do not apply,then We will consider a collectionrequest under the SEPA B2B Direct DebitScheme as having been authorised by Youprovided that We have received a validcollection request via the SEPA B2BDirect Debit Scheme and We have beenprovided with the following information bythe creditor’s bank:• a valid ID Code;• a unique mandate reference;• the identif ier of the creditor;• Your IBAN; and• the transaction type. You must also have registered themandate with Us in accordance with theterms of Your SEPA Business to BusinessDirect Debit Agreement with Us.Registration of a mandate does notrequire the Bank to reserve funds in YourAccount. If there are insuf f icient funds inYour Account at the time that the SEPAdirect debit is presented for paymentthen, as set out in Clause (f) below Wemay refuse to execute the paymentirrespective of whether the mandate wasregistered or not.

We will refuse to make a payment if morethan 36 months has elapsed since anyprevious collection was presented underthe relevant mandate. If You wish toamend the terms of the mandate that Youhave agreed with the creditor, forexample, if You wish the creditor to debita dif ferent Account then You must

contact the creditor and agree a newmandate. In addition You must contact Usto amend the terms of the SEPA Businessto Business Direct Debit Agreement.

e) We may refuse to execute a payment fortechnical reasons such as circumstanceswhere the Account has been closed orYou have told Us not to execute a specif icpayment before the Due Date.

f) We may refuse to execute a paymentwhere there are insuf f icient clearedfunds in Your Account. In thesecircumstances We will make anautomated decision not to make thepayment. The fees and services chargesas set out in Our ‘Fees and servicecharges explained’ leaf lets will apply. IfYou are an individual You can give Usnotice in writing that You do not want Usto make any automated decision of thisnature. You should ensure that there aresuf f icient cleared funds in Your Account(or within Your Arranged Overdraftfacility) on the day before the Due Date.

g) We can request the return of a paymentmade under the SEPA B2B Direct DebitScheme within 2 TARGET Days of thedate that Your Account was debited forany of the reasons set out in the foregoingparagraphs (e) and (f) or for anyanalogous reason.

h) You will have no right to seek a refundwhere a payment has been taken out ofYour Account and You have authorisedthat payment. Where a payment has beentaken from Your Account without Yourauthority then the provisions of Clauses

6.3 - 6.5 in the General Terms andConditions – Business Accounts willapply. The Direct Debit GuaranteeScheme does not apply to SEPA DirectDebits. If We agree to provide a refundthis does not relieve You of anyresponsibility You have to resolve anyissues in respect of the disputedCollection with the creditor, nor does thepayment of a refund by Us prejudice theoutcome of such a dispute.

4.4 Cash Withdrawals We reserve the right to impose limits on the

amount of cash that You can withdraw fromYour Account at any one time. We alsoreserve the right to require seven days’notice of any request to withdraw cash fromYour Account to ensure that We can complywith Your request for cash in a relevantcurrency. We will charge You a fee formaking cash withdrawals. The fees are setout in Our ‘Fees and service chargesexplained’ leaf lets.

5. Interest5.1 Where the Currency of the Account is a

European Economic Area (EEA) Currency:5.1.1 Debit Interest rates are based on an Interest

Reference Rate. We will add a margin to theInterest Reference Rate. The InterestReference Rates that We use are therelevant currency Bank Of fered Rates(depending on the currency of Your Account)as set out in the Table at the end of theseSpecial Terms and Conditions, or, subject toClause 5.3.3 where these are replaced, therelevant Replacement Interest ReferenceRate. Where We use the published 3 month


54

rate as the Interest Reference Rate, it isimportant that You understand that althoughthe Interest Reference Rate is quoted as a ‘3month’ rate We will use it solely as areference rate and not as a f ixed rate or aninterest f ixing rate. Interest Reference Ratesusually change every day. Details of theapplicable Interest Reference Rate thatapplies to Your Account is set out in theTable below.

5.1.2 Credit Interest rates are based on an InterestReference Rate. We will deduct a marginfrom the Interest Reference Rate. TheInterest Reference Rates that We use arethe relevant currency Bank Of fered Rates(depending on the currency of Your Account)or where these are replaced the relevantReplacement Interest Reference Rate. WhereWe use the published 3 month rate as theInterest Reference Rate, it is important thatYou understand that although the InterestReference Rate is quoted as a ‘3 month’ rateWe will use it solely as a reference rate andnot as a f ixed rate or an interest f ixing rate.Interest Reference Rates usually changeevery day. Details of the applicable InterestReference Rate that applies to Your Accountis set out in the Table below. If the CreditInterest Reference Rate that applies to YourAccount becomes negative (less than zero)We will treat the Interest Reference Rate aszero. This means that when the InterestReference Rates are less than zero Wereserve the right to charge You interest.

5.1.3 Subject to Clauses 5.3.2 and 5.3.3, changesto the relevant currency Interest ReferenceRate will be applied with ef fect from theclose of business on the day that any change

takes place. 5.1.4 The Bank reserves the right to vary the

margin that applies to Your Account. We cando this for any of the reasons set out in theGeneral Terms and Conditions. If We changethe margin to Your disadvantage We will giveYou at least two months’ notice before thechange takes ef fect. If We change the marginto Your advantage We will make the changeand advise You of the new rate that applieson Your next statement.

5.1.5 If You are a Corporate Opt-out Customer thenClause 5.1.4 will apply save that the periodof notice can be less than two months butwill always be at least thirty days.

5.1.6 Any change to the margin will take ef fectunless You inform Us that You object to thechange on or before the date that the changeis due to take place. If You do object to thechange then You have the right to end YourAgreement and close Your Account withoutbeing charged anything extra.

5.2 Where the Currency of the Account is not anEEA Currency (for Corporate Opt-outcustomers only):

5.2.1 Debit Interest rates are based on an InterestReference Rate known as the Danske BankOf fered Rate (DANSKEBOR (UK)) or, subjectto Clause 5.3.3 where this rate is replacedthe Replacement Interest Reference Rate forthe relevant currency. We will add a marginto the Interest Reference Rate. InterestReference Rates usually change every day.Details of the applicable Interest ReferenceRate that applies to Your Account is set outin the Table below.

5.2.2 Credit Interest rates are based on anInterest Reference Rate known as theDanske Bank Bid Rate (DANSKEBID (UK)) orwhere this rate is replaced the ReplacementInterest Reference Rate for the relevantcurrency. We will deduct a margin from theInterest Reference Rate. Interest ReferenceRates usually change every day. Details ofthe applicable Interest Reference Rate thatapplies to Your Account is set out in theTable below. If the Credit Interest ReferenceRate that applies to Your Account becomesnegative (less than zero) We will treat theInterest Reference Rate as zero. This meansthat when the Interest Reference Rates areless than zero We reserve the right tocharge You interest.

5.2.3 Subject to Clauses 5.3.2 and 5.3.3, changesto the Interest Reference Rate will be appliedwith ef fect from the close of business on theday that any change takes place.

5.2.4 We reserve the right to vary the margin thatapplies to Your Account. If We change themargin to Your disadvantage We will give Youat least 30 days’ notice before the changetakes ef fect. If We change the margin to Youradvantage We will make the change andadvise You of the new rate that applies onYour next statement.

5.2.5 Any change to the margin will take ef fectunless You inform Us that You object to thechange on or before the date that the changeis due to take place. If You do object to thechange then You have the right to end YourAgreement and close Your Account withoutbeing charged anything extra.


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5.3 Replacement Interest Reference Rate5.3.1 Where any Nominating Body or the

administrator of an Interest Reference Rateformally designates, nominates orrecommends that an Interest Reference Rateshould be replaced by a successor to thatInterest Reference Rate We will change theInterest Reference Rate that applies to YourAccount to the Replacement InterestReference Rate which shall then be treatedas the Interest Reference Rate for YourAccount. If a Replacement Interest ReferenceRate has at the relevant time been formallydesignated nominated or recommended byboth a Nominating Body and an administratorof the Interest Reference Rate then theReplacement Interest Reference Rate set bythe Nominating Body will be the ReplacementInterest Reference Rate that applies to YourAccount.

5.3.2 Where Your Account is operated in creditand where possible We will give Youreasonable notice of what the ReplacementInterest Reference Rate will be together withthe date that it will take ef fect, before ittakes ef fect. We do not need Your consent tointroduce the Replacement InterestReference Rate.

5.3.3 Unless Your agreement with Us statesotherwise, where Your Account is overdrawnWe will contact You before introducing theReplacement Interest Reference Rate thatapplies to Your overdrawn balance and askfor Your consent to introduce theReplacement Interest Reference Rate. If Youdo not grant Us Your consent then, inaccordance with the terms and conditionswhich apply to overdrawn accounts, We

reserve the right to demand immediaterepayment of the overdrawn balance.

6. Online Banking You may choose to operate the Account for

certain purposes using Our eBanking orDistrict services, subject to the terms andconditions of those services. Not all of thefacilities of fered through eBanking andDistrict are applicable to Currency Accounts.Details are available on request.

These Services are subject to periods ofroutine maintenance.

7. Third Party Prov iders7.1 The Account is accessible online using

eBanking or District.7.2 Provided that You are registered for one of

the Services set out at 7.1, You can accessthe Account using TPP services.

8. Conversion and Set Of f8.1 We reserve the right to convert any moneys

held in any Account(s) or owing on foot of anyAccount(s) into the sterling equivalentthereof at the Danske Bank Exchange Rate(UK) for the relevant currency on theapplicable day at such time as We mayselect.

8.2 As well as any right of set-of f or other similarright to which the Bank is entitled, Wereserve the right to:(a) combine and consolidate all or any of Your

Accounts;and(b) set of f any moneys at any time held on

any of Your Accounts and in any currencyagainst all or any other sums due orowing to Us.

Before doing this, We may carry out currencyconversions in accordance with Clause 8.1


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European Economic Area Currencies

Currency Currency NameCredit Rate Based on(in each case using thepublished 3 month rate)

Debit Rate Based On(in each case using thepublished 3 month rate)

Where can you checkthis rate?

CHF Swiss Franc ICE LIBOR CHF ICE LIBOR CHF Our Website

CZK Czech Koruna PRIBOR PRIBOR On request from us

DKK Danish Krone CIBOR CIBOR Our Website

EUR Euro ICE LIBOR EUR ICE LIBOR EUR Our Website

HUF Hungarian Forint BUBOR BUBOR On request from us

NOK Norwegian Krone NIBOR NIBOR On request from us

PLN Polish Zloty WIBOR WIBOR On request from us

RON Romanian Leu ROBOR ROBOR On request from us

SEK Swedish Krona STIBOR STIBOR Our Website

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Currencies outside the European Economic Area for Corporate Opt-out Customers Only

Currency Currency Name Credit Rate Based on Debit Rate Based OnWhere can you checkthis rate?

AEDUnited Arab EmiratesDirham

DANSKEBID (UK) AED DANSKEBOR (UK) AED On request from us

AUD Australian Dollar DANSKEBID (UK) AUD DANSKEBOR (UK) AUD On request from us

CAD Canadian Dollar DANSKEBID (UK) CAD DANSKEBOR (UK) CAD On request from us

JPY Japanese Yen DANSKEBID (UK) JPY DANSKEBOR (UK) JPY On request from us

NZD New Zealand Dollar DANSKEBID (UK) NZD DANSKEBOR (UK) NZD On request from us

SGD Singapore Dollar DANSKEBID (UK) SGD DANSKEBOR (UK) SGD On request from us

USD United States Dollar DANSKEBID (UK) USD DANSKEBOR (UK) USD On request from us

ZAR South African Rand DANSKEBID (UK) ZAR DANSKEBOR (UK) ZAR On request from us

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Special Terms and Condit ions – 24 Hour Telephone Banking

24 Hour Telephone Banking is a Service which maybe available with Your Account. In this Section Wewill set out the Special Terms and Conditionswhich apply to 24 Hour Telephone Banking. TheseSpecial Terms and Conditions are in addition to theGeneral Terms and Conditions – PersonalAccounts or Business Accounts (as applicable) andto any other Special Terms and Conditions thatapply to Your Account or Service.

References in these Special Terms andCondit ions to the ‘General Terms andCondit ions’ should be construed as referencesto the Bank’s General Terms and Condit ions –Personal Accounts or the Bank’s General Termsand Condit ions – Business Accounts asapplicable to the Account which You hold.

Unless otherwise stated where these SpecialTerms and Conditions for 24 Hour TelephoneBanking are not consistent with any of the otheraforementioned Terms and Conditions then theSpecial Terms and Conditions for 24 HourTelephone Banking will apply to the extent of thatinconsistency in relation to the operation of the 24Hour Telephone Banking Service.

These Special Terms and Conditions may beobtained by selecting the "speak to an adviser"option on the menu when You access Our 24 HourTelephone Banking Service or by phoning YourBranch.

A User will be able to use Our 24 Hour TelephoneBanking Service to access his/her own Accountsand may be able to use Our 24 Hour TelephoneBanking Service to access the Accounts of another

Account Holder. Accordingly, a User can fall withinthe def inition of both "You" (in respect of his/herown Accounts) and "Nominated User" (in respect ofthe Accounts of another Account Holder) and theseTerms and Conditions should be read accordingly.

For details on how to f irst access Our 24 HourTelephone Banking Service, call 0345 7 365 024.

If You are phoning from abroad, call 0044 28 9004 9212 .

Enter Your customer number , followed by # (thehash key).

Then enter Your access code , followed by # .

What serv ices are available on 24 HourTelephone Banking Serv ice

You can use the service to access Your Account forthe purposes of:- Making an enquiry about balances and

transactions- Getting a summary of the balances on your

accounts- Changing your access code- Requesting eBanking- Setting up account codes- Transferring to a helpdesk adviser

If You and/or a Nominated User believe that Youror their Telephone Banking Security Informationhas (or may have) become known to someone else,please refer to Clause 16 of these Special Termsand Conditions which sets out the actions Youand/or the Nominated User must take.

For queries concerning the 24 Hour TelephoneBanking Service select the "speak to an adviser"

option on the menu when You access Our 24 HourTelephone Banking Service or contact Your Branch.Calls to Our 24 Hour Telephone Banking ServiceHelpdesk, 0345 7 365 024, are charged at localrate. Customers calling from mobile telephonesmay be charged a dif ferent rate. Please refer toYour service provider.

Our 24 Hour Telephone Banking Service may betemporarily unavailable for periods of routinemaintenance.

Special Notes for Business CustomersIf We have notif ied You that You are a CorporateOpt-out Customer then some of these Terms andConditions will apply dif ferently as explained in theseparate Corporate Opt-out notif ication providedto You. To enable You to identify the Conditionsthat apply dif ferently to You and to allow You tocompare Your terms with those that apply to retailand small business customers, the Conditions thatapply to You which are dif ferent are shaded in grey,and the dif ferences explained. The grey shading isfor ease of reference only, and is not intended toform part of this Agreement. All Conditions thatcontain no shading apply to You as stated.

If You are not a Corporate Opt-out CustomerIf We have not notif ied You that You are aCorporate Opt-out Customer the sectionscontained in the grey shaded areas do not apply toYou and do not form part of Your Agreement withUs.

If You have any queries in relation to the CorporateOpt-out, please contact Us.

Special terms and conditions for 24 Hour Telephone Banking

Sect ion 3

59

Def init ions:The Def initions in the Bank’s General Terms andConditions apply. In addition the followingdef initions apply to these Special Terms andConditions;“Access Code Number” (or "ACN") means thefour digit PIN number which We have notif ied inwriting in accordance with Our procedures to aprospective User and any replacement ACNchosen by a User. The ACN together with a User’sCustomer Number are used to access the 24 HourTelephone Banking Service.“Agreement for 24 Hour Telephone BankingServ ice” means either a Customer Agreement fora Package with Us which provides for Our 24 HourTelephone Banking Service or the 24 HourTelephone Banking Service Letter.“Customer Number” means the customer numberwhich is advised to a User in the 24 HourTelephone Banking Service Letter.“Nominated User(s)” means a person who has:(a) been authorised by the Account Holder (or in

the case of a joint Account the AccountHolders) under Clause 5 and in accordancewith these Special Terms and Conditions;

(b) complied with the requirements which Wespecify shall apply from time to time inrespect of Nominated Users (including, forexample, providing Us with suchdocumentation as We may require);

(c) been accepted by Us; and(d) accepted these Special Terms and

Conditions to operate an Account (asspecif ied in the Mandate(s) relating to theNominated User) through the 24 HourTelephone Banking Service all in accordancewith the provisions of these Special Termsand Conditions.

“Telephone Banking Security Information” meansa User’s ACN and Customer Number used inconnection with the 24 Hour Telephone BankingService.“24 Hour Telephone Banking Serv ice” means the24 Hour Telephone Banking Service We makeavailable through the public telecommunicationnetwork to enable the receipt and transmission ofinformation by telephone (including in relation to anAccount). “24 Hour Telephone Banking Serv ice Letter”means the letter from Us to You or a NominatedUser of fering access to Our 24 Hour TelephoneBanking Service.“User” means You (where You are registered as aUser pursuant to Clause 3) and a Nominated User.“User Guide” means the user guide which Weissue to each User in connection with the use ofOur 24 Hour Telephone Banking Service whichexplains how the service operates and how toperform various functions associated with theservice, as updated from time to time.

Of fer1. We of fer to make available to You and any

Nominated User on these Special Terms andConditions the 24 Hour Telephone BankingService.

2. You, and in the case of a Nominated User, theNominated User should read these SpecialTerms and Conditions carefully before takingany of the steps set out in this Clause 2. If there is any point You do not understandYou should contact Us before proceeding.We will rely on these Special Terms andConditions as soon as You take any of thefollowing steps:

(a) when You, or in the case of a NominatedUser, the Nominated User, sign andreturn to Us the Agreement for 24 HourTelephone Banking Service;

(b) when You complete Our Mandate(s)referred to in Clause 5 below;

(c) when You, or in the case of a NominatedUser, the Nominated User, f irst accessthe 24 Hour Telephone Banking Serviceusing the User’s Telephone BankingSecurity Information.

3.1 Once You, or in the case of a Nominated User,the Nominated User:(a) has taken any of the steps set out in

Clause 2 of these Special Terms andConditions; and

(b) accessed the 24 Hour Telephone BankingService using the User’s TelephoneBanking Security Information;

We will register You, or in the case of aNominated User, the Nominated User, as aUser of the 24 Hour Telephone BankingService in accordance with these SpecialTerms and Conditions.

Once a User is registered, the User may usethe 24 Hour Telephone Banking Service inaccordance with these Special Terms andConditions.

3.2 The User agrees to follow the instructionsgiven in the User Guide.


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10. You and/or the Nominated User shall adviseUs without delay if You and/or the NominatedUser encounters any interruption or failureof Our 24 Hour Telephone Banking Service. Itis Your and/or the Nominated User’sresponsibility to use other means of giv ingand obtaining information if for any reasonOur 24 Hour Telephone Banking Service isunavailable for use or malfunctioning. We willadvise You and/or the Nominated User of thealternative means to be used tocommunicate information and operatinginstructions during the period Our 24 HourTelephone Banking Service is interrupted.

Your Responsibilit ies11. You and any Nominated User are responsible

for the acquisition, operation andmaintenance of communications equipmentwhich can communicate with the equipmentand software used by Us from time to time inconnection with Our 24 Hour TelephoneBanking Service.

7. A User may continue to use the 24 HourTelephone Banking Service unless:(a) Our 24 Hour Telephone Banking Service

is cancelled or terminated under theseSpecial Terms and Conditions; or

(b) access for that User to the 24 HourTelephone Banking Service is deniedunder these Special Terms andConditions; or

(c) where that User is a Nominated User, theMandate provided by You in relation tothat Nominated User is revoked by You.

Use of Our 24 Hour Telephone Banking Serv ice8. You and any Nominated User agree and

acknowledge that the balance information foran Account will include items that are notcleared.

9. You and any Nominated User agree that You

and any Nominated User shall not make useof all or any part of Our 24 Hour TelephoneBanking Service or any information availableon Our 24 Hour Telephone Banking Serviceon behalf of any third party (other than aspermitted by these Special Terms andConditions), or resell or otherwise make allor any part of Our 24 Hour TelephoneBanking Service available to a third party(other than as permitted by these SpecialTerms and Conditions).

4. You agree and acknowledge that aninstruction from a User to Us using correctTelephone Banking Security Information viathe 24 Hour Telephone Banking Service willbe treated by Us as Your consent to complywith that instruction and We will treat it as avalid and irrevocable authority for Us tofollow that instruction. Accordingly, We may(subject to any legal or regulatoryrequirements, without enquiring into thepurpose or circumstances of the instructionsor transaction) honour such instruction.

Nominated User5. We may allow You to nominate a person as a

Nominated User to access an Account. Wewill ask You to complete a Mandate. You maynotify Us in writing that You wish to amendor revoke the Mandate(s) which You haveexecuted in respect of a Nominated User. ANominated User's right to use the 24 HourTelephone Banking Service to access and/oroperate an Account will be withdrawn whenYou have notif ied Us when You want that tohappen.

6. You should ensure that any Nominated Userhas read and understood these SpecialTerms and Conditions. You must also ensurethat the Nominated User complies with allYour obligations under these Special Termsand Conditions.

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Allocation of liabilit ies15. You are liable for any breach by a Nominated

User of these Special Terms and Conditionsas if such breach had been committed by You.

16. You will be liable for any loss or damageincurred by another party due to breach ofthese Special Terms and Conditions by Youor by any Nominated User where suchbreach constitutes fraud or negligence byYou or by any Nominated User and You shallindemnify Us for any such claims madeagainst Us by other parties and for any costsincurred in respect of such claims.

17. Without prejudice to the provisions ofClauses 6 and 7 in the General Terms andConditions - Personal or Business(whichever is applicable), You and eachNominated User acknowledge that, subject toYour and their rights implied at law whichcannot be excluded, We are not liable:(a) for any breakdown or interruption in Our

24 Hour Telephone Banking Service dueto circumstances beyond Our reasonablecontrol or for periods of planneddowntime, including, without limitation,for routine maintenance to computing orelectronic or other communicationsequipment or software;

(b) for any breakdown in, interruption orerrors caused to Your or the NominatedUser’s telecommunications, computer orcomputing equipment or software as aresult of using Our 24 Hour TelephoneBanking Service;

• Immediately report to Us if YourTelephone Banking Security Informationis lost or stolen or You think someoneelse knows it You should comply withClause 14.

13. You must ensure that a Nominated Usercomplies with the provisions of Clause 12 inrelation to their Telephone Banking SecurityInformation.

14. If:(a) a User’s Telephone Banking Security

Information becomes known (or You orthe Nominated User suspects it hasbecome known) to anyone other than theUser;

(b) any correspondence from Us containing aUser’s ACN and/or Customer Numberhas been, or appears to have been,opened or tampered with; or

(c) You or the Nominated User thinkssomeone else has or may try to accessYour Account;

You and/or the Nominated User mustimmediately notify Us without undue delay.You and/or the Nominated User can do thisin the ways set out in Part 1 of the GeneralTerms and Conditions - Personal or Business(whichever is applicable) under the heading“How You can contact Us”. Further detailsare available in any Branch and on OurWebsite.

12. You must take all reasonable steps to keepYour Telephone Banking Security Informationsafe. You must:• change Your ACN allocated to You by Us

when You f irst access Our 24 HourTelephone Banking Service and thereafterat least once every three months;

• Never permit any other person to useYour Telephone Banking SecurityInformation. If You wish to permit anyother person to use Your Account thenYou should ask Us to give You the relevantapplication form to appoint that person asa Nominated User;

• Never disclose Your Telephone BankingSecurity Information to any other person(not even the police or Bank staf f);

• Never respond to an email, SMS (textmessage) or telephone request, evenwhere this appears to be from Us, whichasks You to disclose Your TelephoneBanking Security Information or any partof it. The Bank will never send You anemail, SMS (text message) or telephoneYou to seek this information. If Youreceive an email. SMS (text message) or atelephone call of this nature then it islikely to be fraudulent;

• Never record or store Your TelephoneBanking Security Information anywhere(including, for example, the memory of anytelecommunications equipment used toaccess Our 24 Hour Telephone BankingService) without at f irst takingreasonable steps to disguise it; and

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(c) for any delays or errors by other parties;(d) for any loss of prof it, loss of revenue, loss

of data, loss of use, loss of goodwill, lossof savings, interruption of business orclaims of third parties or any other costsor losses, whether caused to You or athird party, that are indirectly caused bythe event which led to any claim againstUs, unless specif ically stated in theseSpecial Terms and Conditions even if Wehave been advised of the possibility ofsuch loss or damage;

(e) for any reliance placed by You or anyNominated User on any part of OurWebsite or these Special Terms andConditions which may have been storedor retained by You or any Nominated Userand which may be out of date orotherwise amended (where applicable, inaccordance with these Special Terms andConditions) at any time and from time totime;

(f) for losses or damage suf fered by You orany Nominated User which results fromany event referred to in Clause 28.2 ofthe Bank’s General Terms and Conditions– Personal or Clause 27.2 in the GeneralTerms and Conditions - Business(whichever is applicable);

(g) for losses or damage which arise due toany disclosure by a User of his/herTelephone Banking Security Information;or

(h) for losses or damage which arise due toany failure or defect in Your or anyNominated User’s telecommunicationsequipment.

18. Nothing in these Special Terms and Conditionsshall:(a) exclude or restrict Our liability for

fraudulent misrepresentation by Us, Ouremployees, of f icers or agents or for deathor personal injury resulting from Ournegligence or the negligence of Ouremployees, of f icers or agents; or

(b) operate so as to af fect Your or aNominated User’s statutory rights whereOur services are supplied to You or aNominated User as a consumer.

Our Responsibilit ies19. We are not responsible for any information

becoming known to any third party as aconsequence of errors in the transmission ofYour or any Nominated User’s data or as aconsequence of any third party gainingunauthorised access to the datatransmission line in Our equipment orsoftware (provided that We comply with Ourobligations to take appropriate measures toprotect against unauthorised access by anythird party to any of Your or a NominatedUser’s personal data retained by Us).

20. You and any Nominated User acknowledgethat We may reverse the linking of anAccount to Our 24 Hour Telephone BankingService for any reason (including, withoutlimitation, because the relevant Account hasbeen closed).

21. You and any Nominated User acknowledgethat the correctness of information about anAccount which a User obtains through Our24 Hour Telephone Banking Service issubject to checking by Us as part of Ournormal procedures and ref lects the entriesthat have been posted to the relevantAccount at the time the information isobtained.

Suspending or Terminating Your 24 HourTelephone Banking Serv ice22.1 We can stop or suspend Your use of Your

Telephone Banking Security Information, the24 Hour Telephone Banking Service or anyservice on 24 Hour Telephone Banking:(a) where We reasonably believe that a

User’s Telephone Banking SecurityInformation is at risk;

(b) where We have reasonable grounds tosuspect unauthorised or fraudulent useof the Telephone Banking SecurityInformation or the 24 Hour TelephoneBanking Service;

(c) where We have a legal obligation to do so:or

(d) where You have broken the terms of thisAgreement or any of the terms of theGeneral Terms and Conditions.

22.2 Where We have exercised Our rights underClause 22.1 We will where reasonablypossible (and where it would not be a breachof security or against the law) give Youappropriate notice of Our intention to do soand explain Our reasons.


63

22.3 You can terminate these Special Terms andConditions and therefore Your 24 HourTelephone Banking Service at any time andwithout penalty by notifying Us in writing orby contacting Your Branch.

22.4 If this Agreement is purportedly terminatedby either You or Us at a time when You arealso a Nominated User in relation to theAccounts of another Account Holder, YourTelephone Banking Security Information willremain useable in relation to Your Accountsnotwithstanding such termination and Youwill continue to be bound by these Terms andConditions until the Agreement for 24 HourTelephone Banking Service is terminated.

22.5 We can terminate these Special Terms andConditions and therefore Your 24 HourTelephone Banking Service by giving You atleast two months' notice for any of thereasons set out in Clause 20 of the GeneralTerms and Conditions - Personal or Business(whichever is applicable). If You are aCorporate Opt-out Customer then this Clause22.5 will apply save that the period of noticecan be less than two months but will alwaysbe at least thirty days.

22.6 If Your Account is terminated in accordancewith the provisions of the General Terms andConditions, then Your 24 Hour TelephoneBanking Service will be automaticallyterminated.

22.7 If Your 24 Hour Telephone Banking Service isterminated in accordance with this Clause22, then each User’s access to the 24 HourTelephone Banking Service in relation to YourAccount will automatically be terminated.

22.8 If a Nominated User's Mandate is withdrawnin accordance with Clause 7, then thatNominated User's access to the 24 Hour

Telephone Banking Service in relation to YourAccount will automatically be terminated.

22.9 Any termination of this agreement or the useof a User’s 24 Hour Telephone BankingService is without prejudice to any accruedrights and/or remedies.

Disputes23. In relation to any dispute the properly

authenticated messages as archived on Ourequipment shall be admissible as evidence ofthe contents of those messages.


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65

Special Terms and Conditions - eBanking and Electronic Signature

Special Terms and Condit ions – eBanking and Electronic Signature

About these special terms and conditions

These are the special terms and conditions that willapply when You use Our online Electronic Bankingservice (eBanking), and the Electronic Signature(that We provide to You) to access and use OureBanking service, sign documents that We send toYou or access Your Account(s) using the services ofThird Party Providers (TPPs). The ‘General termsand conditions – Personal Accounts’ and any specialterms and conditions that apply to Your Account orservice will also continue to apply. If there is anyinconsistency between the various terms andconditions that apply then these ‘Special terms andconditions – eBanking and Electronic Signature’ willtake priority to the extent of that inconsistency.

Where We use a word which has a special meaningWe have used capital letters. For example whereWe refer to “We” or “Us” We mean Northern BankLimited trading as Danske Bank. You can f ind themeaning of these words at the end of these termsand conditions.

These terms and conditions are important – they setout what You can expect from Us in terms of Ourobligations to You. They also set out the things thatWe expect You to do when You are using Ourservice. The terms and conditions are binding onYou. If there is a dispute between You and Us thenWe will take into account what these terms andconditions say.

We have written these terms and conditions as aseries of questions and answers. We hope thismakes them easier to read. If there is anything thatYou do not understand then please contact Us.

By agreeing to these terms andconditions, You explicitly consent to Usaccessing, processing and retainingpersonal data necessary for theprovision of payment services to You. IfYou do not consent to this then Youshould not accept these Special termsand conditions and We will not be ableto provide You with this service.

Sect ion 4

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What’s in these special terms and conditions?

1. What is eBanking? We explain the meaning of the term eBanking and what You can do in eBanking.We explain how You can apply for and access eBanking and outline any costs and technical requirements.

2. How can I use the Electronic Signature? We explain what an Electronic Signature is and how to generate a One Time Password.We outline what Your Electronic Signature can be used for and the effect of using it.We explain how to use Your Electronic Signature in eBanking and who else can have one.

3. How can I keep my Account safe from fraud? We explain what You must do to protect Your Account.We explain what happens if fraud is suspected on Your Account.

4. What is Open Banking? We explain Open Banking and TPPs.Find out how to manage this service accessing Your Accounts.

5. What optional eBanking services are available? We explain:• Electronic Mailbox• Paym™• Viewing accounts in other banks • Applying for new Accounts and services• Ordering foreign currency• Setting up alerts• Signing agreements• Using Your Electronic Signature• Managing Your cards for use outside the UK (Geoblocking)• Spending Overview

6. What if I make a mistake when keying a payment and thepayment goes to the wrong Account or is for the wrong amount?

We explain what happens if things go wrong.

7. Can the agreement be ended? We explain how the agreement can be ended.

8. Can the agreement be varied? When We tell You about any changes We may make to Your terms and conditions and how We keep Youinformed.

9. What if I am unhappy with the service you are providing? How We handle complaints and disputes.

10. Is there any other important information? We outline Our liabilities.

11. What is the meaning of key words? We outline the meaning of key words used in these terms and conditions.

12. Where can I get help? We tell You how You can contact Us.

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How much does it cost?

The eBanking service is free of charge howeverpayments made using Your Electronic Signature maybe subject to charges – see Our ‘Fees and servicecharges explained’ and Our ‘Fees and servicecharges explained – foreign payments’ leaf lets formore information.

Are there any technical requirements?

Most computers and mobile devices can be used toaccess eBanking. You can f ind more information onOur Website atdanskebank.co.uk/personal/help/eBanking-and-apps/technical requirements

To use the services simply follow the instructions onthe screen. You will f ind more details about theseservices within the eBanking web pages. You willalso be able to access the Payment Table whichprovides details of how long it will take for apayment to be processed.

How do I apply for it?

You can apply for eBanking at any time. You will needto have an Account with Us. You can apply online atdanskebank.co.uk/eBanking, by phone or in one ofOur branches.

If You are aged under 18 then We may requireconsent from Your parent or guardian before Youcan register for eBanking.

How can I access eBanking?

Once You are registered for eBanking We will issueYou with an Electronic Signature. You mustcomplete Your f irst log on to eBanking using a devicethat is connected to the internet.

You will then be able to access eBanking throughYour mobile device or tablet provided You downloadthe relevant App from the App stores. You can f indmore details about how to access eBanking servicesusing mobile devices on Our Website atdanskebank.co.uk/ebanking.

You will not be able to download the Apps if You areunder 13. If You are aged between 13 and 18 theApp stores will ask You to obtain parental consentbefore You can download the Apps.

1. What is eBanking?

eBanking offers You the opportunity to access YourAccounts electronically at any time. Not all of theservices are available if You are using an App toaccess eBanking. You can get more details of whatservices are available depending on how You accesseBanking by visiting Our Website atdanskebank.co.uk/eBanking.

What can I do in eBanking?

• view Your Accounts – all of Your Accounts includingany joint Accounts and Accounts where You are anAuthorised User will be visible on Your eBankingscreen;

• use the Spending Overview tool which allows You tocategorise Your payments. The tool is for Yourinformation only – it is not a money advice tool;

• send and receive secure messages from the Bank –You should be aware that We do not respond tomessages as soon as We receive them and Youshould not use this service if You require animmediate response to messages that You send Us;

• make sterling payments to other bank accounts inthe UK;

• make foreign payments – in a wide range ofcurrencies;

• set up bill payments and regular standing orders; • make payments from Your Danske Bank credit cardaccount – where You use this service any paymentwill be treated as a cash advance and the fees andcharges set out in Your credit card agreement willapply; and

• access other optional services such as DanskeMobile Payment Service (PaymTM) or DanskeAccount Information Service which allows You toview Your accounts in other banks.

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What can the Electronic Signature be used for?

The Electronic Signature can be used to:- Access Our eBanking service – see the section

“What is eBanking?”.

- Access Danske’s Account Information Servicewhere You are using the ‘View my accounts inother banks’ option in Our Danske Mobile BankApp.

- Access Your Accounts using TPPs – where Youhave registered with a TPP for their services(this includes account information serviceproviders and payment initiation serviceproviders). See the section “Open Banking”.

- Access ‘optional’ services such as those setout below. See the section “What optionaleBanking services are available?” -

4 Use Your Electronic Mailbox to view anddownload Your Account statements and otherimportant correspondence from the Bank;

4 Sign agreements with Us;

4 Apply for new accounts or services from Us– such as a credit card, an overdraft, a loanand certain savings accounts;

4 Subscribe for one of Our “alert” services sothat We can send You an email or textmessage about things like the balance inYour Account;

4 Access PaymTM where You can makepayments using a mobile phone numberinstead of the bank sort code and accountnumber;

4 Managing the use of Your cards outside theUK (Geoblocking);

4 View ‘spending overview’ on Your Accounts;

4 Order foreign currency.

Can you g ive me more information aboutOne Time Passwords?

There are dif ferent ways that One Time Passwordscan be generated:

2. How can I use the Electronic Signature?

What is an Electronic Signature?

An Electronic Signature allows You to digitally signdocuments and instructions to Us. It is made up of 3parts:

You may not be required to input all 3 parts of YourElectronic Signature every time that You log on orgive Us an instruction. We give You moreinformation about this in the section “Using YourElectronic Signature in eBanking”

Danske ID

This is an App which You can downloadfrom the App stores. Once You downloadthe App You will need to activate it byfollowing the instructions on the screen.You will be asked to create a PersonalIdentif ication Number (PIN) or use abiometric such as Your f ingerprint sothat You can securely access Danske IDin the future. When a One TimePassword is required You will beprompted to access Danske ID. The OneTime Password will be generatedautomatically and will not be visible toYou. You will not need to separately enterthe One Time Password in Your eBankingsession.

An eSafeID dev ice

This is a device which automaticallygenerates a One Time Password every30 seconds. You will need to enter theOne Time Password from the devicewhen You are prompted to do so.

1. User ID 2. Passcode 3. One Time Password

This is an 8dig it numberthat Weprov ide to You

We will g ive You atemporary Passcodewhich You will usewhen You f irst log on.You will be asked toselect a Passcode ofYour own choice whichYou can then change atany t ime. If You areusing a suitable mobiledev ice You may be ableto set up f ingerprint orfacial recognit ionwhich You can useinstead of a Passcode

We willprov ide Youwith a way togenerate aOne TimePassword

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You can ask Us to end the Authorised User’sElectronic Signature at any time. You can do this bycontacting Us in one of the ways set out in the“Where can I get help?” section of these terms andconditions.

3. How can I keep my Account safe from fraud?

What MUST I do to keep my ElectronicSignature safe?

It is very important that You take all reasonablesteps to keep Your Electronic Signature safe. If Youdo not do this then someone else may be able toaccess Your Account.

You MUST immediately contact Us by phone (Our 24hour Freephone number is 0800 917 7657) if:- any part of Your Electronic Signature is lost or

stolen,

- You think that someone else may know whatYour Electronic Signature is,

- You think that someone else has accessed YourAccount information, or

- a payment has been taken out of Your Accountwhich You did not authorise.

How do I make payments and give instructions?

Who can have an Electronic Signature toaccess my Account?

We will only issue an Electronic Signature if Youregister for Our eBanking service. Once You haveregistered, any of the Account owners can ask Usfor an Electronic Signature to access the Accounts.

You can also ask Us to give someone else anElectronic Signature to access Your Account(s).This person will be called an Authorised User. Theywill be able to use their Electronic Signature to doeverything that You can do. This includes using theservices of TPPs, viewing Your Account informationand making payments.

We will treat any instruction received from anAuthorised User using their Electronic Signature inthe same way as We would treat such an instructionif We received it from You. This means that You willbe liable for any instruction which has been signedusing an Authorised User’s Electronic Signature.

What is the ef fect of using the ElectronicSignature?

Any instruction or agreement that is signed by Youor an Authorised User, using the ElectronicSignature that We have issued, will be treated by Usas valid and will be binding on You. That is why it isimportant that You take reasonable steps to keepYour Electronic Signature safe – see the next section‘How can I keep my Account safe from fraud’.

How do You use the Electronic Signature ineBanking?

How do I logonEach time that You use eBanking You will berequired to log-on in one of the ways set out in thetable below:

If Then

You ask Us tomake a payment orYou conf irm aninstruction to Us

We will ask You to input YourPasscode. For Your addedprotection We may alsosometimes ask for a One TimePassword.

You are using theDanske MobileBank App and Youhave bound Yourdev ice

You will be able to authorise allpayments (including externalpayments) from Your Accountssimply by entering Your Passcode(limits apply).

If Then

You areusing apersonalcomputer

Each time that You log-on You will need toenter Your User ID and Your Passcodeand use one of the methods referred toabove to generate Your One TimePassword.

You areusing theDanskeMobile Bank App

You will be able to ‘bind’ Your device whenYou f irst log-on. You can do this byfollowing the instructions on screen.Once Your device has been bound, eachtime You log-on to Mobile Banking You willonly have to enter Your Passcode, or useyour saved biometric.

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Do you prov ide free fraud detectionsof tware?

Yes, We provide free software for Your personalcomputer (PC). You can download Webroot SecureAnywhere® to Your PC, free of charge, withineBanking. Click on “About eBanking”, select ‘freefraud protection software’ and then follow theinstructions on the screen.

Webroot Secure Anywhere® uses Webroot©Intelligence to identify new f iles, classify threats inreal time, prevent browser attacks, remove virusesfrom Your PC and defend against f inancial and data-theft malware.

You should download Webroot Secure Anywhere®to each PC that You use to access eBanking.

We do not provide free fraud detection software formobile phones or tablets.

How can I contact you if I suspect fraud onmy Account?

If You are contacted by someone who says they area bank off icial, a member of the police or someother law enforcement agency or from atelecommunications or information securitycompany and that person asks for any part of YourElectronic Signature or other personalisedsecurity credentials then it is likely that they are afraudster. You should not provide them with anyinformation. Instead You should contact Us.

How will you contact me if you suspectfraud on my Account?

We may contact You:

You, and any Authorised User, MUST:

Call Us – within UK Call Us – outside UK

0800 917 7657 +44 800 917 7657

This is a Freephone number that You can contact Us on24 hours a day, 7 days a week

By phoning You using the phone contactdetails that We hold for You. We will askYou certain security questions but We willNEVER ask You for any part of YourElectronic Signature or any otherpersonalised security credentials such asthe PIN for Your card

By texting You to the mobile number thatWe hold on Our records. We will ask You tophone Us using a number that is on theback of Your card or on Our Website. Wewill NEVER quote a phone number in thetext message and We will NEVER ask You totell Us, or to input into a link in a textmessage, any part of Your ElectronicSignature or any other personalisedsecurity credentials

By sending a secure mail to Your eBanking

By sending You a letter. The letter willalways quote at least the last 4 digits ofYour account number

Always Never

• Destroy thenotif icat ion thatWe sent Youwith YourtemporaryPasscode assoon as Youhave used it tof irst log on;

• Respond to an email or textmessage request which asks Youto click on a link to log-in usingYour Electronic Signature – evenif it looks like a genuine request.We will never ask You to do this -so if You receive such a request itis likely to be fraudulent;

• Give any part of Your ElectronicSignature - whether You areasked to do this by phone, email,text, letter or any other means -even if the person asking for theinformation tells You that theywork for the Bank or the police orany other company ororganisation;

• Make sure thatwhere We havegiven You a wayto generate YourOne TimePasswords itcannot easily beaccessed by athird party;

• Record any part of YourElectronic Signature or copy it(including to Your mobile deviceor computer) without f irstlytaking reasonable steps todisguise it;

• Tell anyone else what YourElectronic Signature is or allowthem to use it. For example Youshould never tell anyone whatYour Passcode is or allow themto access Your One TimePasswords or the means that Wehave provided for You to generatea One Time Password.

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What will you do if there is a payment outof my Account made using the serv ices ofa TPP and I did not authorise it?

Further details about Your right to a refund in thesecircumstances can be found in Clauses 6 and 7 ofthe ‘General terms and conditions – PersonalAccounts’.

How will TPPs access my Accounts?

To use the services of a TPP You will need toregister with them. They will ask for Your explicitconsent to access Your Account and they should notrequest more information than is necessary forthem to provide the specif ic service that You haveconsented to. TPPs are legally obliged to use safeand eff icient channels to provide their services toYou and to make sure that Your Electronic Signatureis not available to any unauthorised persons.

Where a TPP uses Open Banking to access YourAccount You will be redirected by Your TPP to adedicated secure Danske Bank webpage where Youwill be asked to identify Yourself by entering YourElectronic Signature.

Some TPPs access Your Account using a methodknown as “screen-scraping”. In this case You will bedirected by Your TPP to the eBanking log on screens.Once You have logged on in the usual way the TPPwill be able to access the same information as Youcan and We will not be able to restrict what the TPPcan do. If You share Your Electronic Signature with aTPP in this way, You will be responsible for anypayments from, or information shared about, YourAccount.

Can I tell you that I do not want to accessmy Accounts using a TPP?

No. If You do not want to use a TPP then You shouldnot register for their services.

If You have already registered to use the services ofa TPP, which uses Open Banking, and You want towithdraw Your consent then, in addition tocontacting the TPP directly, You can use the ConsentDashboard within eBanking to manage Yourconsents.

What will you do if there is a payment outof my Account and I did not authorise it?

Further details about Your right to a refund in thesecircumstances can be found in Clauses 6 and 7 ofthe ‘General terms and conditions – PersonalAccounts’.

4. What is Open Banking?

Open Banking allows You to use TPPs to provide Youwith account information services, paymentinitiation services and card based payment servicesincluding confirmation of funds requests. Youshould always check that the TPP is authorised andregulated by the FCA or another European regulatorbefore using their services. You can read moreabout Open Banking in the ‘General terms andconditions – Personal Accounts’ and on Our Websiteat danskebank.co.uk/open-banking.

Scenario What to do What We will do

A payment istaken out of YourAccount, usingthe services of aTPP, which Youdid not authorise.

You should contactUs immediately.

You are required toassist Us with anyinvestigation thatWe need to carryout. You will need totell Us the name ofthe TPP that Youwere registeredwith since We maybe able to ask themto reimburse Us forany refund that Wemake to You. Wemay also report thematter to the policeor other lawenforcementagencies.

Provided You arenot actingfraudulently andYou have taken thereasonable stepsthat We have toldYou that You musttake to keep YourElectronicSignature safe, Wewill immediatelyrefund the paymentto You.


A payment istaken out of YourAccount whichYou did notauthorise.

You should contactUs immediately.

You are required toassist Us with anyinvestigation thatWe need to carryout. We may alsoreport the matter tothe police or otherlaw enforcementagencies.

Provided You arenot actingfraudulently andYou have taken thereasonable stepsthat We have toldYou that You musttake to keep YourElectronicSignature safe, Wewill immediatelyrefund the paymentto You.

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Can I ask for my credit card statements tobe delivered by post but my other Accountstatements to be delivered electronically?

Yes. You can choose to have Your credit cardstatements delivered by post but still have all ofYour other Account statements made available inYour Electronic Mailbox. The delivery method thatYou choose for Your other Account statements willapply to all of Your other Account statements. Thismeans that You cannot choose to have someAccount statements delivered by post and somesent electronically.

will be accessible for a period of at least 5 yearswithin Electronic Mailbox. If You end Your eBankingagreement then the Electronic Mailbox service willalso be terminated at the same time.

Full details of the statements and documents thatare made available in Electronic Mailbox are listed inthe eBanking web pages.

When You register for eBanking We will ask You ifYou want to register for Electronic Mailbox. WithElectronic Mailbox We can make all of Your DanskeBank Account statements (including credit cardstatements) and various other importantcorrespondence available to You. This means thatYou no longer get these statements and documentsin the post.

Can I subscribe and unsubscribe fromElectronic Mailbox online?

No. If You want to subscribe or unsubscribe fromElectronic Mailbox You need to contact Us by phone,by letter or by calling into a Branch.

Can I choose to have some statementsdelivered to my Electronic Mailbox andothers delivered by post?

You can choose to have all of Your Account statementsincluding Your credit card statements delivered to Youelectronically. We will require You to provide Us withYour email address. We will send a notification to Youremail address each time a statement is made availablein Your Electronic Mailbox. You will not be able to switchthe notification off for Your credit card statements butYou can switch the notification off for Your otherAccount statements.

What will you do if I have used a TPP foraccount information serv ices and I amconcerned that my personal data may havebeen compromised?

Further details are set out in Clause 8 of the‘General terms and conditions – Personal Accounts’.

5. What optional eBanking Services are available?

Within eBanking there are a range of optionalservices. We explain what these are in this section.

What is the Electronic Mailbox?

Electronic Mailbox provides You with a securemethod of storing Your statements and otherimportant information from Us. You can view, printor save the documents as You require. Documents

Scenario What We will do

Can I receive my creditcard statement by postand my current accountstatement electronically?

Yes, We treat credit cardstatements separately to Yourother Account statements.

Can I receive my creditcard statementselectronically but myother statements onpaper?

No, if You choose to have Yourcredit card statementselectronically then all of YourAccount statements will bedelivered to Your ElectronicMailbox.

Can I receive my savingsaccount statement bypost and my currentaccount statementelectronically?

No, if You choose to receiveelectronic or paperstatements this will apply toall Your accounts, excludingcredit card statements.

Can I receive all of mystatements (includingthose for my credit cardaccount) electronicallyand on paper?

No, if You receive statementselectronically and You tell Usthat You want to start to receivethese on paper, We will closeYour Electronic Mailbox.


I have used a TPPfor accountinformationservices and I amconcerned thatmy personal datamay have beencompromised.

You should contactthe TPP in the f irstinstance.

If You were usingDanske’s AccountInformation Servicethen You shouldcontact Us.

If You believe thatWe have breachedany of Ourobligations or ifYou think thatthere has been, ormay be, anunauthorisedpayment out ofYour Account thenYou should contactUs. We will only beresponsible to Youfor any loss thatYou have sufferedas a result of Ushaving broken anyof Our obligations.

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Can I ask you to stop sending menotif icat ions when statements ordocuments are available in ElectronicMailbox?

You can unsubscribe from the notif ication service atany time – simply follow the instructions on theeBanking web pages under “Electronic mailbox andagreements”. You cannot unsubscribe from thenotif ications for credit card statements. You will benotif ied each time a credit card statement is madeavailable in Your Electronic Mailbox.

If You have unsubscribed from the ElectronicMailbox service, You can ask Us to reactivate it. Youwill need to contact Us to do this - You cannot do itonline. It can take 7 days to reactivate the ElectronicMailbox and You should be aware that anydocuments sent to You during the period since Youunsubscribed will not be available to view.

What is Danske Mobile Payment Serv ice –sometimes known as Paym™?

Danske Mobile Payment Service allows You to sendand receive payments using Your mobile phone. Theservice is made available through Paym™ which is alook up service enabling You to direct payments intoanother bank account using the mobile phonenumber for the payee as a proxy for their bank sortcode and account number.

PaymTM is a registered trademark and is used underlicence from the Mobile Payments Service CompanyLtd.

You can register for this service on eBanking orusing Danske Mobile Bank App. When You registerfor the service You will be provided with theterms and conditions that apply.

How can I apply for new Accounts orserv ices?

Within eBanking You can make secure applicationsfor bank products and services:• overdrafts and loans - click on Lending; • a new credit card - click on New Credit Card;• a new Account – click on Accounts and select

either “Current Account” or "Savings anddeposit accounts".

Simply follow the instructions on the screens.

You must be 18 or over to apply for credit. Termsand conditions will apply.

How can I order foreign currency?

Within eBanking You can make a secure order forforeign cash which You can then collect at Your localbranch. Click on “Cards & currency,” then select“Order foreign currency” and follow the instructionson the screen.

You should read the terms and conditions that apply(available on the eBanking web pages) before placingan order using this service.

Can I set up alerts with you?

Yes. You will need to register for Subscriptionservices. You can do this by clicking the ‘Electronicmailbox and agreements’ tab within eBanking. Youwill be asked to accept the terms and conditionsbefore proceeding. Alerts will be sent to Your emailaddress and/or Your mobile phone by text message(depending on the service). All alerts are sent in anunencrypted form and it is important that You takesteps to protect Your information from beingavailable for other unauthorised persons to access.

There are dif ferent types of alerts. Click ‘AbouteBanking’ and select Subscription service. Selectthe ‘Personal information’ tab and check that Wehold Your up to date contact details. Then click the‘Subscriptions’ tab and choose from the followingservices:

1. Message from bank - Notif ication about asecure message

2. Account Balance ServiceYou can ask Us to send You the followingalerts:

• when the account balance reaches certainlimits;

• regular account balance information; or • where a debit or credit of an amount that You

specify have been processed through YourAccount

3. Insuff icient funds - Notif ication if there areinsuff icient funds in Your Account to make apayment You have set up in eBanking(excluding Standing Orders)

4. SEPA Direct Debit - Notif ication when Youreceive a SEPA Direct Debit collection.

You can unsubscribe from Subscription services atany time by following the instructions on thescreens within eBanking.

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How can I sign agreements with you usingmy Electronic Signature within eBanking?

When we ask You to electronically sign anydocument, You may not be required to input all theparts of Your Electronic Signature. Before Youelectronically sign any document, We will make itclear to You what parts of Your Electronic Signatureare needed. Any document signed by You or anAuthorised User using Your Electronic Signature willbe treated by Us as valid and will be binding on You.

What is Geoblocking?

Geoblocking is a security feature allowing You tomanage the use of Your cards outside the UK.

What is ‘Spending overv iew’?

Spending overview is a tool which allows You tocategorise most of the payment transactions onYour Accounts. Using information that is available toUs with the payment information We will assigneach payment to a specif ic category (for example -clothing, household goods, transport). You canchange the categorisations and the newcategorisations will immediately be applied.

You will be automatically registered for spendingoverview provided that You are over 18 years old.

We cannot guarantee that this tool will be accurateor suitable for Your purposes.

6. What if I make a mistake when keying a payment and the payment goes to the wrong account or is for the wrong amount?

We cannot guarantee that You will be able to get thefunds paid back to You. It is important that You takecare when inputting the details for a payment -always check the amount and the sort code and theaccount number for the payee.

7. Can the agreement be ended?

We can also stop or suspend Your ElectronicSignature, and/or an Authorised User’s ElectronicSignature, immediately – which means that You willnot be able to access eBanking, use any optionalservices or any TPP services. We can do this forany of the following reasons:

• We reasonably believe that an ElectronicSignature is at risk of being compromised;

• We have reasonable grounds to suspectunauthorised or fraudulent use of theElectronic Signature or the associatedservices;


I make a mistakewhen keying apayment and thepayment goes tothe wrongaccount or is forthe wrong amount

You shouldcontact Us assoon as Youdiscover themistake andprovide Us withas muchinformation aboutthe payment aspossible.

We will trace thepayment for You andthen take steps toask the payee’s bankto freeze the fundsand return them toUs.

If there are no fundsremaining in thepayee’s account orthe payee refuses toreturn the funds Wewill inform You.

If the payee’s bank isa UK bank, You canask Us to request thename and address ofthe payee so that Youcan take further legalaction to try torecover the funds.

Who can endthe agreement?

Minimumnumber ofdays’not ice

Method ofnotice

What doesending theagreementmean?

You can end theagreement at anytimeYour agreementwill also endimmediately ifYou close all ofYour Accounts

None In writing

You, and anyAuthorisedUsers, will notbe able toaccesseBanking, anyoptionalservices oruse theservices ofTPPs

We can end Youragreement forone of thereasons set outin Clause 20 ofthe ‘Generalterms andconditions –PersonalAccounts’

In somecases Wecan end theagreementimmediately.In othercases 2months’notice willbe given

In writing

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• Your Account is overdrawn and We believethat there is a signif icantly increased risk thatYou may be unable to repay the overdrawnamount;

• We have a legal obligation to suspend or endthe services - for example a court or regulatortells Us to.

If it is reasonably possible to do so, and it is not abreach of security or against the law, We willcontact You and tell You what We intend to do andwhy. If We are not able to contact You in advanceand a payment is prevented We will try to make thisinformation available to You online.

Where appropriate, We will provide You with areplacement Electronic Signature as soon asreasonably possible after the reasons for stopping itcease to exist.

8. Can the agreement be changed?

Yes. We can make changes to these terms andconditions as set out in Clause 27 of the ‘Generalterms and conditions – Personal Accounts’.

We can also update the App from time to time. Youmay not be able to use the App unless You downloadthe latest version and accept any revised terms andconditions.

9. What if I am unhappy with theservice you are providing?

If You are not happy with any part of Our service,please ask Us for a copy of Our leaf let ‘Puttingthings right for you’ or visit Our Website. We aim todeal with complaints in a way Our customers aresatisf ied with. Further details are set out in the‘General terms and conditions – Personal Accounts’.

10. Is there any other important information?

Yes, there are some additional important things Youneed to know:

We are not liable:

1. for any breakdown or interruption to theeBanking or any optional services that iscaused by periods of planned downtimeincluding for routine maintenance tocomputing or electronic or othercommunications equipment;

2. for any delays or errors caused by otherparties such as where another bank orf inancial institution fails to credit or debit anaccount in a timely manner;

3. for any breakdown in, interruption or errorscaused to Your or any Authorised User’scomputing equipment or mobile devices as aresult of using the eBanking service or anyoptional services;

4. for the destruction, delay or loss or damage todata which occurs prior to the data beingreceived by Us – even if this results in non-payment, multiple payment of or delay incomplying with any instruction from You;

5. to a payee, where You or an Authorised Userprovides incorrect information such as anincorrect sort code or account number for thepayee;

6. for any loss which is not a foreseeableconsequence of Us breaking this agreement;

7. for losses or damage which arises due to anymodif ication by You of Your ElectronicSignature.

We cannot exclude Our liability for:

1. fraudulent misrepresentation by Us or Ouremployees;

2. death or personal injury caused by Ournegligence or the negligence of Ouremployees;

3. breaching Your statutory rights as aconsumer.

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11. What is the meaning of key words?

Account the bank account or accounts that You hold with Us and which You can view and/or accessusing Your Electronic Signature

App a software application which You can download to Your mobile or tablet

App Store an online digital store which allows You to download Our Apps

Authorised User a person who You have authorised to access Your Account and to whom We have issued anElectronic Signature

Danske ID an App which will generate a One Time Password

Danske Mobile Bank App an App that makes our eBanking service available through a mobile phone. You will be askedto bind the device when You f irst log on

Electronic Mailbox a service in eBanking allowing You to receive statements and other important informationfrom Us electronically

Electronic Signature a combination of Your User ID, Passcode and One Time Password

eSafeID device a device which automatically generates a One Time Password every 30 seconds

One Time Password This is one of the parts of Your Electronic Signature. We provide You with a way to generateYour One Time Passwords.

Passcode This is one of the parts of Your Electronic Signature. We will issue You with a temporaryPasscode to log into eBanking for the f irst time and create Your personalised Passcode.

Payment Table The Payment Table set out in the ‘General terms and conditions – Personal Accounts’

User ID An 8 digit number that forms part of Your Electronic Signature

We, Us, Our or the Bank Northern Bank Limited having its registered off ice at Donegall Square West, Belfast(registered number R568).Danske Bank is a trading name for Northern Bank Limited.

Website The web pages available at danskebank.co.uk

You or Your the Account Holder and, where applicable, also includes an Authorised User

12. Where can I get help?

For queries concerning the eBanking Servicecontact Our eBanking Customer Service on 0345 603 1534.

Calls to the eBanking Customer Service arecharged at local rate. Customers calling frommobile telephones may be charged a dif ferentrate. Please contact Your phone company fordetails.

The eBanking Service (including the DanskeMobile Bank App) may be temporarilyunavailable for periods of routine maintenance.

issued; “Card” means a Debit Mastercard Card issued

on Your Account. The Card may or may notbear a Contactless Indicator;

“Cardholder” means any person to whom Weissue a Card at Your request (including for theavoidance of doubt, You);

“Cash Transaction” means any cash paymentout of Your Account as mentioned in Clause5.3 or any donation to charity as mentioned inClauses 5.2.1 and 5.2.2;

“Contactless Chip Transaction” means anypayment made out of Your Account which isauthorised as mentioned in Clause 5.8.2;

“Contactless Indicator” means the following symbol “Credit Transfer” means an electronic

transfer of money directly from one account toanother;

“Debit Number” means the number shown on the Card for the purpose of Debit Transactions

or for the purpose of making an Original Creditinto Your Account;

“Debit Transaction” means any payment madeout of Your Account or authorised asmentioned in Clauses 5.4, 5.5, 5.6. 5.7, 5.8.1or 5.8.2;

“EEA” means the European Economic Area,comprising the Member States of theEuropean Union, plus Iceland, Liechtensteinand Norway;

“Function” means a function of the Card orDebit Number;

“Geoblocking” is a security feature that allowsYou to manage the use of Your Card outsidethe UK;

“Original Credit“ means a payment into YourAccount as described in Clause 6.3;

Special Terms and Conditions Debit Mastercard Personal Card

“Person” means an individual, f irm, company,society or unincorporated association;

“"Personal Identif ication Number" ("PIN")“means means the personal identif icationnumber that We give You to enable You toaccess Your Account or Service such as useof a Card;

“Recurring Transaction” means a series ofDebit Transactions which are debited fromYour Account at agreed intervals pursuant toan authorisation which the Cardholder hasprovided to a Supplier as mentioned in Clause5.7. The payments can be for varying amountsand the agreed intervals can be for dif ferentfrequencies;

“Spending Limit” means, subject to theavailable plus any Arranged Overdraft in YourAccount, any daily restriction on the amountthat the Cardholder can spend when making aTransaction. Spending Limits are subject tochange;

“Supplier” means any Person who accepts theCard or Debit Number as a means of makingor authorising payment;

“Transaction” means any Cash Transaction orDebit Transaction (which includes ContactlessChip Transactions);

“You” and “Your” means any person operatingan Account with Us for which the Card isissued.

3. Obligations of the Account Holder3.1 A Card will only be issued to a Cardholder in

accordance with any Mandate given to theBank. If You ask Us to issue a Card to aCardholder then You will be liable for allTransactions which that Cardholderauthorises and You will be liable for allindebtedness created by that Cardholder as if

Special Terms and Condit ions –Debit Mastercard Personal Card

This section sets out the Special Terms andConditions which apply to Debit Mastercard Cards.These Special Terms and Conditions are in additionto the General Terms and Conditions - PersonalAccounts and to any Special Terms and Conditionsfor Your Account. Unless otherwise stated wherethese Special Terms and Conditions are notconsistent with the General Terms and Conditionsor any Special Terms and Conditions for YourAccount then these Special Terms and Conditionswill apply to the extent of that inconsistency inrelation to Your use of Your Debit Mastercard Card.

1. Scope These Special Terms and Conditions (as may

be amended from time to time) govern thepossession and use of the Card, PIN and DebitNumber.

2. Definitions The Definitions set out in the Bank’s General

Terms and Conditions - Personal Accountsapply. In addition the following definitionsapply to these Special Terms and Conditions.

Any references to European Economic Area,EEA, European Union, EU, Europe or MemberState(s) in any of our documentation shall bedeemed to include the United Kingdom duringthe Brexit transition period.

“Account” means any personal currentAccount or any personal savings Account forwhich the Card, PIN and/or Debit Number is

Sect ion 5

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the Card had been issued to and used by You.You can ask Us at any time to cancel any Cardand You are responsible for ensuring that anysuch Card is returned to Us.

3.2 Where any obligation is imposed on aCardholder by virtue of this Agreement thenYou are responsible for ensuring that theCardholder is aware of that obligation andcomplies with it.

4. Overdrawing and Spending Limits4.1 Overdrawing is subject to the Terms and

Conditions for the Account. 4.2 If the Cardholder is under 16 years of age

then the Spending Limit which applies whenusing the Card to make a Debit Transactionwill be set at zero. The Cardholder will not beseparately advised of this in writing. TheCardholder can apply to change this SpendingLimit but any such application must beapproved by the Cardholder's parent orguardian on the Bank’s approved form. Oncethe Cardholder attains 16 years of age theywill need to apply to change this SpendingLimit from zero as this will not be doneautomatically.

4.3 If the Cardholder is over 16 years old noSpending Limit will apply when using the Cardto make a Debit Transaction. This means thatthere will be no daily restriction (subject tothe Terms and Conditions for the Account) onthe amount that the Cardholder can spend ongoods and services at selected electronicterminals (POS terminals) and through certaininternet sites operated by Suppliers. TheCardholder will not be separately advised ofthis in writing. The Cardholder can apply tochange this Spending Limit on the Card butany such application must be approved in

accordance with the mandate held by the Bankfor the Account.

4.4 We may, following a request from the AccountHolder, advise the Cardholder in writing that aSpending Limit when using the Card to make aDebit Transaction, will be set on the Card. Thismeans that there will be a daily restriction onthe amount that the Cardholder can spendwhen making a Debit Transaction.

4.5 The Spending Limits which apply when usingthe Card to make a Cash Transaction are setout in the Payment Table.

4.6 The Spending Limits which apply when usingthe Card to make a Contactless ChipTransaction are set out in the Payment Table.If You have asked Us to set a Spending Limitfor Debit Transactions on Your Card then eachContactless Chip Transaction will also becounted as a Debit Transaction for thepurposes of determining compliance with thatSpending Limit. You will be able to use YourCard to carry out Contactless ChipTransactions where the Card has thisfunctionality. A Card which bears theContactless Indicator will have thisfunctionality. If You do not want Your Card tobe able to carry out Contactless ChipTransactions then You must contact Us andrequest a Card that does not have thisfunctionality.

4.7 In all cases, You can request that the relevantSpending Limit is varied on the Card bycontacting Your Branch.

5. Functions of the Card and how You can giveand withdraw Your consent to a Transactionto make a payment out of Your Account

In order for payments out of Your Account to

be made using the Card a Cardholder’sconsent will be required. The consent requiredwill vary depending upon the type ofTransaction.

The Cardholder cannot stop or reverse aTransaction after a payment has beenauthorised in one of the ways set out in thisClause 5. We can only refund a payment whichhas already been authorised if the Payeerefunds Us.

Further information on Disputed Payments isset out in Clause 5.11.

The terms and conditions set out in thisClause 5 will only apply to (1) a paymenttransaction which takes place wholly withinthe EEA and in an EEA currency and (2) thoseparts of any payment transaction which takeplace within the EEA where either of thefollowing applies:(a) both the Payer and the Payee are in the


(b) either, but not both, the Payer and thePayee is in the EEA (irrespective of thecurrency that the transaction is in).

5.1 The Cardholder cannot use the Card as acheque guarantee Card.

5.2.1 The Cardholder can use the Card with the PINto withdraw cash, to make a donation to acharity (where the cash machine provideroffers this service) and to access otherservices from cash machines which areauthorised to accept the Card. For thesepurposes, there is a daily cash withdrawallimit on Your Card. The standard daily cashwithdrawal limits for Cards are set out in thePayment Table. However, We may agree to arequest from You to change the daily cash

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withdrawal limit. Please ask Your Branch fordetails. The minimum withdrawal amount willdepend upon the cash machine provider.

5.2.2 When the Cardholder uses the Card with theirPIN to make a donation to a charity at a cashmachine then the following terms will apply:· Not all cash machine providers will of fer

this service. We do not provide thisservice (the service to make a donation toa charity) at any of Our cash machines;

· Where you choose this service, thedonation can be made to one of thecharities selected by the cash machineprovider and further details will beavailable from the cash machine provider.We are not responsible for the charitiesselected nor for any agreements that mayexist between the charity and the cashmachine provider;

· The Transaction will be processed as aCash Transaction and will be included inany calculation of the daily cashwithdrawal limit for Your Card;

· The Transaction will not be eligible for giftaid. If the Cardholder wishes to make adonation to charity with the benefit of giftaid then an alternative method of makingthe donation should be used. Please askYour branch for details;

· The donation to charity can be made eitheras a single Transaction at the cashmachine or it may be combined with theprovision of another service. Where it iscombined with the provision of anotherservice then the Cardholder will be askedto authorise the Transaction or series ofTransactions by inputting the PIN onlyonce. This will constitute a valid consent to

process the Transaction or series ofTransactions which will appear on Yourstatement as separate entries.

5.3 The Cardholder can use the Card to make acash withdrawal in pounds in the UK bypresenting the Card at any Danske Bankbranch in Northern Ireland or at a PostOff ice® counter. The Danske Bank Branch willrequire the Cardholder to sign a withdrawalauthority. A Post Off ice® counter will requirethe Cardholder to use the Card with the PIN toauthorise the withdrawal. The maximumwithdrawal amount at a Post Off ice® counteris £500 (f ive hundred pounds sterling). Themaximum withdrawal amount may not beavailable at every Post Off ice counter at alltimes.

5.4 The Cardholder can use the Card or DebitNumber to make or authorise payments toSuppliers by presenting the Card or supplyingthe Debit Number to the Supplier. If making apurchase over the telephone or internet theSupplier may also request the Cardholder toprovide the 3-digit security code from thereverse of the card.

5.5 If the Cardholder uses the Debit Number toplace an order on the internet with a Supplierthat participates in Mastercard SecureCode™or Mastercard Identity Check™ (designed toprevent fraud) the Cardholder will be asked touse Our Danske 3D Secure service. The Cardis automatically enrolled for use with theDanske 3D Secure service. The Cardholderagrees that the Danske 3D Secure Terms andConditions will apply in relation to theCardholder’s use of the Card to place an orderon the internet with a Supplier thatparticipates in Mastercard SecureCode™ or

Mastercard Identity Check™. The Cardholderauthorises such a Debit Transaction on theinternet in the way set out in the Terms andConditions for Danske 3D secure. TheCardholder agrees that this will require theregistration of the Cardholder’s mobile phonenumber with the Bank. If the Cardholder doesnot accept the Danske 3D Secure Terms andConditions then as part of Our fraudprevention measures, We may not authorisefurther Debit Transactions on the internetwith participating Suppliers. Details of theDanske 3D Secure Terms and Conditions areavailable in Our Branches, by telephoning0370 8502481 or Intl +4428 90049201and selecting option 2, or on Our Websitedanskebank.co.uk.

5.6 The Cardholder can use the Card and PIN tomake or authorise payments to Supplierswhere the Supplier has the necessarytechnology to facilitate this mode oftransaction. On some occasions the Suppliermay agree to accept the Card and thesignature of the Cardholder (for examplewhere the technology is unavailable or is notworking). If You or any Additional Cardholderhas been provided with a Card without a PINthen, in respect of this Clause 5.6 You or anyAdditional Cardholder authorise payments toSuppliers by presenting the Card and signingan authorisation request - provided that theSupplier agrees to accept this form ofconsent. Other Services where the form ofconsent, set out in this Clause 5, requires theuse of a PIN will not be available to You.

5.7 The Cardholder can use the Card (with the PIN- if required when the Cardholder isauthorising the Recurring Transaction at a


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point of sale terminal) to authorise aRecurring Transaction. In thesecircumstances the Cardholder is givingconsent to the Supplier to make eachRecurring Transaction without the need forthe Supplier to seek repeat authorisations.Typically this method of payment can be usedfor subscriptions for gym memberships,magazines, mobile phone services and otherregular subscriptions. The Supplier shouldmake the terms under which payments will berequested by way of Recurring Transactionclear to the Cardholder. A RecurringTransaction is not a Direct Debit and theCardholder will not have the protections of theDirect Debit Guarantee Scheme in respect ofany Recurring Transactions which are madefrom the Account. If the Cardholder wishes tocancel a Recurring Transaction then theCardholder should inform Us no later than3.30pm on the Business Day before theSupplier requests an authorisation for thenext payment to be taken from the Account. Ifany further payments are taken from theAccount after that date under the RecurringTransaction authority then We willimmediately refund these to You on request.We also recommend that the Cardholdercontacts the Supplier and gives notice ofwithdrawal of consent to any further paymentsbeing made from the Account under theRecurring Transaction authority. This will notcancel the agreement with the Supplier but itwill cancel the payment authority.

Where both the Payer and the Payee are inthe European Economic Area, if you can showUs that You did not authorise a RecurringTransaction or that You gave notice to theSupplier that it was cancelled then We will

immediately refund any payments that weretaken from Your Account, without Yourauthority, after that date.

5.8.1 The Cardholder can use the Card or Carddetails (with or without the PIN – as required)to authorise a Debit Transaction where theexact amount that will be debited is not knownat the time of the authorisation (for exampleto hire a car or hotel room). In thesecircumstances:

(a) provided that both the Payer and Payee are inthe European Economic Area the Cardholdermay apply for a refund within eight weeks ofthe date the payment was taken from theAccount, if the amount exceeds what theCardholder would reasonably have expected tobe taken from the Account taking into accountthe Payer's previous spending pattern and theterms and conditions that apply to the Cardand the circumstances of the case. In order toprocess a refund request We may require theCardholder to provide Us with additionalinformation. We will either make the refund orprovide the Cardholder with Our reasons forrefusing to make the refund within 10Business Days of receiving the request or,where applicable, within 10 Business Days ofreceiving such additional information as Wehave requested from the Cardholder.

The Cardholder will not be entitled to a refundunder this Clause 5.8 where the amountexceeds the Cardholder expectation solely dueto a change in the exchange rate charged forDebit Transactions on the Account or wherethe Cardholder provided consent directly toUs for that payment to be made and (ifapplicable) details of the amount of thepayment have been provided or made

available to You (for example, by way of aStatement) for at least 4 weeks before thedate it was due.

(b) in respect of any parts of the transactionwhich takes place in the European EconomicArea We will not block funds on Your Accountunless You have authorised the exact amountof the funds to be blocked and We will releasethe blocked funds without undue delay afterbecoming aware of the amount of the paymenttransaction and, in any event, immediatelyafter receipt of the payment order.

5.8.2 The Cardholder can use the Card, if it bearsthe Contactless Indicator, to make a paymentin certain retail outlets by holding the Cardclose to a Point of Sale Terminal which hascontactless functionality enabled (ContactlessChip Transactions). For such Transactions thepayment will be authorised by the Cardholderwhen the Cardholder places the Card withinapproximately 4 cm of the contactlessterminal and without either inserting the Cardinto the contactless terminal or entering aPIN. As a security feature, occasionally theCardholder will be asked to insert the Cardinto the terminal and enter a PIN in order tocomplete a Transaction. A Spending Limitapplies to Contactless Chip Transactions asset out in the Payment Table. If the Cardholderdoes not want to be able to make ContactlessChip Transactions then the Cardholder mustcontact Us and We will issue a Card whichdoes not have this functionality.

5.9 The Cardholder may change their PIN orunlock their PIN by accessing the PINManagement Services option on those cashmachines which have been authorised to of ferthis facility.

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5.10 If the Cardholder disputes a payment that hasbeen made from the Account using the Cardthen the Cardholder must provide Us with fulldetails including the reasons for the dispute.We will investigate the claim. In certaincircumstances it may be possible for Us toattempt to chargeback the Transaction underthe card scheme rules. Chargeback does notgive You any rights or protections and anattempt to chargeback a Transaction is notguaranteed to be successful. It is importantthat the Cardholder lets Us know about thedisputed Transaction as soon as possible. Wecan only attempt a chargeback request within120 days from the date that the Transactionappeared on the Account. If the payment hasbeen processed as a Credit Transfer and not aCard payment out of Your Account then thisClause 5.10 will not apply. A payment can beprocessed as a Credit Transfer where forexample You use the services of a TPP toaccess Your Account online to make apayment. Further information about TPPs canbe found in Clauses 5.5.9 and 8 of the GeneralTerms and Conditions – Personal Accounts.

6. Payments into Your Account using Your Card6.1 The terms and conditions set out in this

Clause 6 will only apply to (1) a paymenttransaction which takes place wholly withinthe EEA and in an EEA currency and (2) thoseparts of any payment transaction which takeplace within the EEA where either of thefollowing applies:(a) both the Payer and the Payee are in the


(b) either, but not both, the Payer and Payeeis in the EEA (irrespective of the currencythat the transaction is in).

6.2 You can make a cash payment into YourAccount at a Post Off ice® branch (where thisservice is available) by using Your Card. Wewill use the information from thechip/magnetic stripe on the Card to identifythe Sort Code and Account Number of theAccount to be credited.

6.3 A Supplier may ask You to use Your Card andPIN where the Supplier wishes to refund aDebit Transaction to Your Account which hadbeen authorised by the Card.

6.4 A Supplier may credit funds to Your Accountusing Your Debit Number. This would applywhere You have a contract with the Supplierunder which the Supplier may be obliged topay You money in certain circumstances andthe Supplier has used Your Debit Number forthe purposes of making that payment. Thepayment into Your Account is known as an“Original Credit”. The maximum and minimumamounts that can be credited to Your Accountusing this method vary. Further details can befound on the Payment Table or from theSupplier.

7. Restrictions On Use7.1 The Card and/or Debit Number can only be

used:(a) during the validity period shown on the

Card;(b) in accordance with these Special Terms

and Conditions; and(c) in accordance with the verif ication

procedures and operating instructionswhich the Bank approves from time totime.

7.2 The Bank will from time to time renew theCard when it expires, except as mentioned inClause 13.4.

7.3 The Bank will from time to time, if theCardholder asks and except as mentioned inClause 13.4:(a) replace a damaged Card; and(b) replace a Card and change the PIN and

Debit Number where any of these is liableto misuse, if in the reasonable opinion ofthe Bank the replacement of these will notbe misused.

7.4 If You request a replacement Card that is not arenewal on expiry, We will charge You areplacement Card fee which will be debited toYour Account. Details about the replacementCard fee can be found in Our ‘Fees and servicecharges explained’ leaf let.

7.5 The PIN change facilities may be temporarilyunavailable during the period a Card is beingrenewed or replaced.

7.6 The Card and/or Debit Number must not beused if the Agreement is ended or if the Cardis stopped or suspended. The Card and/orDebit Number must not be used for anyFunction which is stopped or suspended orwhich is not of fered as a Function of the Cardwithin the Terms and Conditions for theAccount.

7.7 The Bank is the owner of the Card. If the Bankends the Agreement or stops or suspends theCard, the Bank can keep the Card or, if theBank asks, the Cardholder must immediatelycut the Card vertically through the magneticstripe on the Card and through the electronicchip on the Card and return the Card to theBank.


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8. Debits8.1 We can debit the amount of a Cash

Transaction or Debit Transaction to theAccount. Details are set out in the PaymentTable under the heading ‘Payments from YourAccount’. The Entry Date can be after the dateof the Transaction if the cash machineoperator or the Supplier delays in asking Usfor payment.

8.2 We can choose the order in which We debit allor any Transactions. We can choose to debitall or any Transactions in priority to otherdrawings.

8.3 We will convert into sterling the amount of anon-sterling transaction or a refund of a non-sterling transaction at a rate determined byUs for the relevant currency (known as the"Danske Bank Card Exchange Rate (UK)"). Anon-sterling transaction is a Transactionwhere You have not opted to pay in sterlingeither at the point of sale by making a debitcard payment in a foreign currency or bymaking a cash withdrawal in foreign currencyoutside the UK (or within the UK where thisfacility is available) and We then convert theTransaction amount into sterling before Wedebit Your Account. The Danske Bank CardExchange Rate (UK) is the Payment SchemeReference Exchange Rate which is applied onthe date that the Transaction was received bythe Payment Scheme. This rate is subjectedby Us to average weighting so that theexchange rate used for all Transactionsprocessed by Us on that date is equalised.Transactions can be processed by Us on non-Business Days. The statement 'Entry Date' fora Transaction that is processed on a non-Business Day will be the next Business Day.

We will apply the Danske Bank Card ExchangeRate (UK) when the Transaction is processedby Us.

The Payment Scheme Reference ExchangeRate is the exchange rate set by Mastercardand which is prevailing at the time YourTransaction was received by the PaymentScheme.

You can f ind out the Danske Bank CardExchange Rate (UK) for the relevant currencyfrom Our Website at

danskebank.co.uk/travelmoney. The ratesdisplayed are historical and are thereforeindicative only for the purposes of calculatingthe rate that You will be charged for a non-sterling transaction that has not yet beenprocessed by Us. Daily rate f luctuations willoccur.

8.4 The Danske Bank Card Exchange Rate (UK) forthe relevant currency will be adjusted byadding a non-sterling transaction fee of 2.75%of the value of the Transaction. The adjustedrate will be the rate that appears on Yourstatement. Your statement will also displaythe amount of the non-sterling transaction fee.

8.5 Where You use Your Card to make a non-sterling transaction then in addition to thenon-sterling transaction fee referred to inClause 8.4 You will be charged either a non-sterling purchase fee for each debit cardpayment in a foreign currency or a non-sterling cash fee for each cash withdrawal inforeign currency outside the UK (or within theUK where this facility is available) - whicheveris applicable. The current fees are set out inOur 'Fees and service charges explained'leaf let.

8.6 When You authorise a non-sterlingtransaction We reserve the amount of theTransaction against the available balance onYour Account. This means that Your availablebalance is immediately reduced by the amountof the Transaction. When the currencyconversion takes place the amount debited toYour Account may dif fer from that which wasreserved, in accordance with Clause 8.3above. The non-sterling transaction fee andany non-sterling purchase fee or non-sterlingcash fee (whichever applies) will be debited toYour Account and the Entry Date on Yourstatement will be the same date as the non-sterling transaction is debited to YourAccount.

8.7 If a non-sterling transaction is refunded toYour Account You will not have to pay any non-sterling transaction fee, non-sterling purchasefee or non-sterling cash fee in relation to therefund. We will not refund any non-sterlingtransaction fee, non-sterling purchase fee ornon-sterling cash fee that You were charged inrespect of the original Transaction.

9. Your liability9.1 Subject to Clause 10, You will be liable for all

Transactions which have been authorised inone of the ways set out in Clause 5.

9.2 You will be so liable, even if, after the date ofauthorisation: (a) joint Account instructions have ended or

altered;(b) the debit is delayed;(c) the agreement between You and Us under

these Special Terms and Conditions isended;

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(d) the Card is stopped or suspended orexpired;

(e) You have asked Us to cancel any AdditionalCard but the Additional Card has not beenreturned to Us; or

(f) any Function is stopped or suspended.9.3 We can take these payments:

(a) from money in the Account, if there is anyavailable;

(b) from any Arranged Overdraft facility orarranged excess for the Account; or

(c) by permitting an Unarranged Overdraft.9.4 You must, as soon as the Bank demands,

repay any overdrawing which arises asmentioned in Clause 9.3.

10. Your Liability if the Card, PIN or DebitNumber is lost or stolen

10.1 If: (a) the PIN becomes known (or You or any

Cardholder suspects it has become known)to anyone other than the Cardholder;

(b) You or any Cardholder become aware thatthe Card or PIN is lost, stolen or has beenfraudulently accessed;

(c) You or any Cardholder become aware ofany unauthorised Transaction or error onthe Account using the Card or PIN or DebitNumber; or

(d) You or any Cardholder think someone elsehas or may try to access Your Accountusing the Card or PIN or Debit Number.

You and/or any Cardholder must notify Uswithout undue delay. You and/or anyCardholder can do this by way of any of themethods set out in Part 1 of the GeneralTerms and Conditions - Personal Accountsunder the heading ‘How You can contact Us’.

Further details are available in any Branch andon Our Website. You can also notify Usthrough a Card notif ication agency which theBank approves.

If a Card is retained or recovered after Wehave received notice under this Clause 10.1,the Card or PIN or Debit Number must not beused, and the Card must be cut verticallythrough the magnetic stripe on the Card andthrough the electronic chip on the Card andreturned to any branch of the Bank.

10.2 You and any Cardholder must give Us, if asked,all information You or any Cardholder mayhave relating to the matter notif ied underClause 10.1 and/or any other informationwhich We can reasonably ask for to help Us torecover the Card and investigate the matter.We can require You to report the matter to thepolice. We can disclose any information whichWe reasonably decide may be relevant to thepolice and to any other authorities that Wereasonably decide may be relevant.

10.3 Where a Card or PIN in respect of YourAccount has been lost or stolen, You will nothave to pay anything for any losses in respectof unauthorised payments arising after Youreported the loss or theft to Us.

10.4 Further details about Your liability and Ourliability are set out in Clauses 6 and 7 of theGeneral Terms and Conditions - PersonalAccounts.

11. Care of the Card, PIN and Debit Card details11.1 The Cardholder must only use the Card and

PIN in accordance with these Special Termsand Conditions.

11.2 The Cardholder must never allow anyone elseto use the Card issued to him/her or the PINor Debit Number. If You want to authorisesomeone else to have a Card on the Accountthen You can ask Us to issue a Card to thatperson. You will remain liable for anyTransactions that are made using any Cardthat is issued on the Account.

11.3 The Cardholder must at all times takereasonable steps to keep the Card safe andthe PIN secret. The Cardholder must:· Never post the Card to anyone – not even

to Us – without f irstly cutting the Cardvertically through the magnetic stripe andthe electronic chip on the Card;

· Never respond to an email, SMS ortelephone request, even where thisappears to be from Us, which asks You orthe Cardholder to enter or provide theCard details and/or PIN. We will neversend You an email, SMS or telephone Youto seek this information. If You receive anemail, SMS or a telephone call of thisnature then it is likely to be fraudulent;

· Never give the Card to anyone else. Whenmaking a Transaction the Cardholdershould retain control of the Card at alltimes;

· Never tell the PIN to anyone else, not eventhe police, or Bank staff;

· Never write the PIN on the Card or onanything usually kept with it. If theCardholder writes the PIN down then theymust take reasonable steps to disguise it;


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· Always ensure that when using a key padto enter the PIN (e.g at a cash machine orin a shop), the Cardholder takes steps tocover and conceal the PIN, even wherethere is no one else present;

· Never enter the Card details (e.g. the DebitNumber, Expiry Date etc.) on a website,App or similar application, that storesthose details unless the Card details arepassword protected and/or individualpayments require further confirmation orauthorisation before being taken from theCard;

· Take reasonable steps when using theCard details online to ensure that thewebsite the Cardholder is using is safe e.g.only use websites where the URL linebegins with https:// and where the padlocksymbol is displayed;

· At all times exercise care with the storageand disposal of any information about theCard, for example, statements andreceipts. The Cardholder should takesimple steps such as shredding printedmaterial before disposing of it; sign theCard issued as soon as the Cardholderreceives it;

· Destroy the PIN notif ication as soon as theCardholder receives it;

· When changing the PIN, ensure that allreasonable care is exercised. In particular,the Cardholder should ensure that the PINdoes not contain a combination of numberswhich may be easy to guess (for example,birthdays, consecutive numbers, etc). TheCardholders can change the PIN to anumber that is more memorable in the wayset out in Clause 5.9.

12. Suppliers etc.12.1 Any prospective Supplier can ask Us to

authorise a prospective Debit Transaction. Wecan refuse to authorise a prospective DebitTransaction. Where We do so We will givenotice of the refusal via the Supplier. If theCardholder was not made aware of thereasons for the refusal at the time of the DebitTransaction, We will make this available if Youcontact Us. See the section in Part 1 of theGeneral Terms and Conditions - PersonalAccounts - ‘How You can contact Us’.

12.2 After the Bank has authorised a prospectiveDebit Transaction, the Bank will:(a) reduce the amount available for

withdrawing from the Account by theamount of the payment authorised(whether or not debited); and

(b) restore the amount available forwithdrawing from the Account if the Bankhas received satisfactory verif ication forthis purpose from the prospectiveSupplier.

12.3 If You are entitled to a refund We will credit tothe Account the amount of the DebitTransaction.

12.4 You must not withhold payment to the Bank orotherwise make any claim or set-of f againstthe Bank for any claim which You or anyCardholder may have against any Supplier,unless the law gives You a right to do this.

12.5 The Bank will not be liable to You (whether ornot it is the Cardholder who makes or tries tomake the Transaction) for: (a) any failure or delay by any other Person to

accept the Card or Debit Number; or(b) any failure or delay by any other Person to

carry out a Function detailed at Clause 5 ofthese Special Terms and Conditionsbecause the Cardholder is unable for anyreason to use their PIN to authorise apayment or Transaction; or

(c) the way in which any other Personcommunicates such failure or delay orcommunicates any refusal to authorise aprospective Debit Transaction.

13 Stopping or Blocking Your Card 13.1 We can stop or suspend all or any of the

Cards, or stop or suspend any Function, orrefuse in relation to any Cardholder to renewor replace any Card for any of the followingreasons where:(a) We reasonably believe that the security of

the Card or PIN is at risk;(b) We have reasonable grounds to suspect

unauthorised or fraudulent use of the Cardor PIN;

(c) Your Account is overdrawn and We believethat there is a signif icantly increased riskthat You may be unable to fulf il Yourobligations to repay the overdrawnamount;

(d) We have a legal obligation to do so; or(e) You have broken these Terms and

Conditions. We may also refuse to carry out individual

Transactions on Your Account in accordancewith Clause 9 of the General Terms andConditions - Personal Accounts.

13.2 Where We have exercised Our rights underClause 13.1 We will where reasonablypossible (and where it would not be a breachof security or be against the law) give Youappropriate notice of Our intention to do so

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and explain Our reasons. If We have notcontacted You in advance and a Transaction isrefused We will make this informationavailable to You if You contact Us. See thesection in Part 1 of the General Terms andConditions - Personal Accounts ‘How You cancontact Us’. We will replace Your Card and/orPIN as soon as reasonably practicable afterthe reasons for stopping its use cease to exist.

13.3 You can end the Agreement by giving notice inaccordance with the General Terms andConditions - Personal Accounts to YourBranch, cutting all Cards vertically throughthe magnetic stripe on the Card and throughthe electronic chip on the Card and enclosingall Cards with the notice.

13.4 You can stop any Card by giving notice inwriting to Your Branch, cutting the Cardvertically through the magnetic stripe on theCard and through the electronic chip on theCard and enclosing the Card with the notice.

13.5 The ending of this Agreement and/or thestopping or suspending of the Card and/or anyFunction will not af fect Your liability to theBank and the Bank shall remain entitled tohonour and to charge to the Account and Youshall remain liable for any Transactions andwithdrawals (and associated costs, chargesand expenses) made or authorised using theCard. It is Your responsibility to ensure that allCards and other relevant items are returnedto Us.

14. Managing the use of Your Card outside theUK - Geoblocking

14.1 Geoblocking is a security feature whichprovides a Cardholder with a means tomanage the use of a Card outside the UK.Geoblocking settings that restrict the use ofthe Card outside the UK are automaticallyapplied by Us. You can update these settingsin eBanking, “Where you can use your card” inDanske Mobile Bank or by contacting Us. Youcan make changes in relation to (a) geographicareas where the Card may be used and (b)internet Transactions. Geoblocking settings donot apply where a Transaction is processedusing Chip and PIN technology or for of f lineTransactions. Where a Cardholder seeks toset a restriction on the use of the Card usingthis service We will require them to provideUs with a mobile telephone number that Wecan use to contact them. If the Cardholderdoes not provide a valid mobile telephonenumber then We will be unable to contactthem or advise them of any attempted use ofthe Card which contravenes the settings thathave been applied.

14.2 We may, from time to time, decide toautomatically apply certain restrictions onYour Card using the Geoblocking function. IfWe decide to do this We may do soimmediately where We reasonably believe thatthere is a signif icantly increased risk offraudulent activity on Cards in that geographicarea or in internet Transactions or where useof the Card in that geographic area or forinternet Transactions would be unlawful. Wewill update the information on Our Website

and We will write to You within 30 days toadvise You of the change. We may do this byincluding this information on Your statementand/or where You are registered for eBankingby sending You a secure mail.

14.3 We may decide to apply restrictions on theUse of a Card using the Geoblocking functionfor a reason which is not set out in Clause14.2. If We do this, We will give You 2 months'notice before the change takes effect.

It will be Your responsibility to advise anyCardholder of the change.

14.4 If the Cardholder has provided Us with theirmobile telephone number then We will sendthe Cardholder a text message to alert them(a) if the Card has been used outside the UK(b) if an attempt is made to use their Cardoutside the UK but that Transaction has beendeclined because of a Geoblocking setting. If aCardholder has not provided Us with theirmobile telephone number then We will beunable to alert them to any attemptedTransaction. If the Cardholder wants to changethese settings then they can do so using oneof the methods set out in Clause 14.1. Anysuch change will take immediate ef fect.

14.5 Further details about how to manage the useof Your Cards outside the UK are available onOur Website or by enquiring at Your Branch.


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Sect ion 6Special Terms and Condit ions - Automated Deposit Serv ice

These Special Terms and Conditions apply whenYou deposit coins and/or notes:• At one of Our Automated Deposit Machines; or• At one of our cash machines which permits deposits (Deposit ATM).

The Automated Deposit Service can only be used todeposit sterling bank notes and sterling coins. Youcan only use this Service to credit an account youhold with Us.

These Special Terms and Conditions are in additionto the General Terms and Conditions and to anySpecial Terms and Conditions for Your Account.Unless otherwise stated where these Special Termsand Conditions are not consistent with the GeneralTerms and Conditions or any Special Terms andConditions for Your Account then these SpecialTerms and Conditions will apply to the extent of thatinconsistency in relation to Your use of theAutomated Deposit Service.

When You make a deposit using the AutomatedDeposit Service (‘the Service’) the followingconditions apply:

1. You can deposit funds to an account that Youhold a Danske Bank debit or credit card for orto an account with Us that You have the SortCode and Account Number for (subject to theterms and conditions for that account). To usethe Service You should insert Your DanskeBank credit or debit card into the card readeron the machine or You should enter the sortcode and account number for the account thatYou wish to credit Please enter thisinformation carefully. If You enter an incorrectsort code or account number the deposit maybe paid into someone else’s account and Youmay not be able to get it back. You should thenfollow the instructions on the screen.

2. If You manually enter a sort code and accountnumber to initiate the Service You can insert areference for identif ication of the depositwhen it appears on the Account.

3. Only sterling banknotes may be deposited viathe note acceptor. You may deposit sterlingbanknotes of mixed denomination. You do notneed to separate the banknotes bydenomination but You should ensure that thebanknotes are neatly presented, f lat and donot contain any foreign objects, for example,staples/paperclips.

4. Depending on the capacity of the machine atthe time of use You may deposit up to amaximum of 200 notes per transaction (whichYou may have to insert into the machine insmaller batches). All limits are subject tobeing within the maximum cash deposit limitsin the table below. Any notes which Youattempt to deposit above those limits will bereturned to You.

5. Only sterling coins may be deposited via thecoin drawer. You do not need to separate coinby denomination but You should ensure noforeign objects are included.

6. The number of coins You can deposit isdependent on the capacity of the machine atthe time of Your deposit. Any coins whichexceed this capacity will be returned to You.

7. Any part of Your deposit (not includingconf irmed counterfeit notes) that cannot beaccepted will be returned to You at the timeand You may re-attempt to deposit thereturned items. When the transaction iscompleted You will be issued with an advicenote which You should retain for Your ownrecords.

8. Any counterfeit notes which are detected willbe retained by the machine. You will notreceive value for those items but We willadvise You that such items have beenretained.

Special Terms and Conditions - Automated Deposit Service

DepositedInitiated by

Account to beCredited

Maximum CashDeposit Limit

Danske Bankcredit or debitcard

The account onwhich the cardis issued

£50,000 perday

Manual entry ofSort Code andAccount Numberof a valid DanskeBank account

The Sort Codeand AccountNumber entered

£2,000 pertransaction

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9. We will process payments within 2 hours ofthe date and time that the deposit is made.This means that the funds will be credited toYour Account, or the Account that You haveasked Us to credit, within 2 hours and willthen be immediately available to You and willbe value dated for interest purposes on thedate of receipt.

10. If there are any dif ferences between theamount that You state You have deposited tothe Account and the amount that You havelodged to the Account then You mustimmediately report the matter to Us. We willask You to complete a dispute form or to giveUs details of Your dispute. We will theninvestigate the matter. We will check thatthere was no malfunction of the mechanism ofthe Automated Deposit Machine or DepositATM at the relevant time and We will alsocarry out a reconciliation of the transactionsprocessed via the Automated DepositMachine or Deposit ATM. It may take up to 3working days to investigate Your dispute. Wewill advise You of the outcome and ifnecessary We will adjust the accountingentries in relation to the deposit that appearson the statement for the Account.

11. If You have made a mistake when keying theSort Code and Account Number and as aresult the wrong account has been creditedwith the funds then You must report this to Usimmediately and We will make reasonableef forts to try to recover the funds for You. Wecannot guarantee that this will be possible.

12. We do not charge You to use the AutomatedDeposit Service, however if You are a businesscustomer fees and charges may apply. See Our'Fees and Service charges explained -Business Accounts' leaf let for moreinformation.

13. We may ask You to stop using this Service ifWe, acting reasonably, believe that Your use ofthe Service might impact on levels of servicefor other customers. This may happenbecause of the time that You take to makelarge deposits and/or the time or location thatYou choose to make any such deposits.

Special Terms and Conditions - Automated Deposit Service

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Sect ion 7

Special Terms and Conditions for Personal Savings Accounts (on sale)

• You must use Your Eligible Account forYour usual day to day banking business.

7.3 If We close Your Account under Clause 7.2then We will give You at least two months’notice and We will transfer any balance inthe Account to a Summit Account which Wewill open in Your name. The terms andconditions which apply to Our SummitAccount will be advised to You when Weopen the Summit Account for You.Meanwhile, if You want a copy of the termsand conditions currently applicable to theSummit Account, You should contact YourBranch.

8. Using the Serv ices of a Third PartyProv ider to access the Account

The Account is accessible online. Where Youare registered for eBanking, You can accessthe Account using TPP services.

Danske Choice Plus Sav ings Account1. Applications Applications to open an Account can be

made by completion of the necessaryapplication form(s). To open an Account Youmust already hold an Eligible Account withUs. In the case of a Danske Choice PlusSavings Account an Eligible Account is aDanske Choice Plus Package. You must alsobe registered for Our eBanking Services.

the Account at any counter of a Danske Bankbranch in Northern Ireland.

4. Payments from Your Account You can only withdraw funds from Your

Account by electronic transfer using OureBanking services. You cannot makewithdrawals from the Account at any counterof a Danske Bank branch in Northern Ireland.

5. Interest Credit Interest is payable as set out in Our

‘Interest rates’ leaf let. You can compare Oursavings accounts on Our Website or byrequesting information from Your Branch.

6. eBanking The Account must be operated using Our

eBanking services and will be subject to theSpecial Terms and Conditions of that service.Details are available on request. Not all ofthe facilities of fered through Our eBankingservices are applicable to savings accounts.Our eBanking Service is subject to periods ofroutine maintenance.

7. Closing Your Account 7.1 You may close Your Account at any time in

accordance with Clause 20.2 in the GeneralTerms and Conditions.

7.2 We may close Your Account if You do notcomply with the following conditions:• remain the holder of an Eligible Account;• Your Eligible Account must remain open

and operational with regular credits anddebits being applied to it; and

Special Terms and Condit ions forpersonal sav ings accounts (on sale)


Danske Prestige Sav ings Account1. Applications Applications to open an Account can be

made by completion of the necessaryapplication form(s). To open an Account Youmust already hold an Eligible Account withUs. In the case of a Danske Prestige SavingsAccount an Eligible Account is a DanskePrestige Package. You must also beregistered for Our eBanking Services.

2. Opening an Account 2.1 A minimum balance of £1 (one pound

sterling) is required to open and maintain anAccount.

2.2 A Danske Prestige Savings Account is onlyavailable to personal customers who areaged 18 years or over.

3. Payments into Your Account Each deposit to the Account must be made

by electronic transfer from available clearedfunds. You cannot make any lodgements to

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Savings Account Plus Account1. Applications Applications to open an Account can be

made by completion of the necessaryapplication form(s). To open an Account Youmust already hold or open an EligibleAccount with Us. In the case of a SavingsAccount Plus Account an Eligible Account isany Danske Bank personal current Account.You must also be registered for Our eBankingServices.



2.2 A Savings Account Plus is only available topersonal customers who are aged 16 yearsand over.


by electronic transfer from available clearedfunds. You cannot make any lodgements tothe Account at any counter of a Danske Bankbranch in Northern Ireland.



services are applicable to savings accounts.Our eBanking Service is subject to periods ofroutine maintenance






7.3 If We close Your Account under Clause 7.2then We will give You at least two months’notice and We will transfer any balance inthe Account to a Summit Account which Wewill open in Your name. The terms andconditions which apply to Our SummitAccount will be advised to You when Weopen the Summit Account for You.Meanwhile, if You want a copy of the termsand conditions currently applicable to theSummit Account, You should contact YourBranch.





2.2 A Danske Choice Plus Savings Account isonly available to personal customers who areaged 18 years or over.








eBanking services and will be subject to theSpecial Terms and Conditions of that service.Details are available on request. Not all ofthe facilities of fered through Our eBanking

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4. eBanking You may operate the Account using Our

eBanking services, subject to the SpecialTerms and Conditions of that service. Detailsare available on request. Not all of thefacilities of fered through Our eBankingservices are applicable to savings accounts.Our eBanking Service is subject to periods ofroutine maintenance.

5. Using the Services of a Third Party Providerto access the Account


Danske Discovery Sav ings AccountDef init ionsIn these Special Terms and Conditions for DanskeDiscovery Savings Account the followingdef initions will apply in addition to the def initionsset out in the General Terms and Conditions –Personal Accounts:

“Adult” means any person who is aged over 18years old and who is the Account Holder;“Child” means the Account Holder if the AccountHolder is aged between 11 and 17 years old or theperson (between 11 and 17 years old) for whosebenef it the Account is opened if the AccountHolder is an Adult.

Account will be advised to You when Weopen the Summit Account for You.Meanwhile, if You want a copy of the termsand conditions currently applicable to theSummit Account, You should contact YourBranch.



Summit Account1. Applications Applications to open an Account can be

made by completion of the necessaryapplication form(s).



2.2 The Account is only available to personalcustomers who are aged 7 years or over.






eBanking services and will be subject to theSpecial Terms and Conditions of that service.Details are available on request. Not all ofthe facilities of fered through Our eBankingservices are applicable to savings accounts.Our eBanking Service is subject to periods ofroutine maintenance






7.3 If We close Your Account under Clause 7.2then We will give You at least two months’notice and We will transfer any balance inthe Account to a Summit Account which Wewill open in Your name. The terms andconditions which apply to Our Summit

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Junior Sav ings AccountDef init ionsIn these Special Terms and Conditions for JuniorSavings Accounts the following def initions willapply in addition to the def initions set out in theGeneral Terms and Conditions – PersonalAccounts:“Adult” means any person who is aged over 18years old and who is the Account Holder;“Child” means the Account Holder if the AccountHolder is aged between 7 and 10 years old or theperson (aged 10 years or under) for whose benef itthe Account is opened if the Account Holder is anAdult.



2. Opening an Account 2.1 An Account may be opened either:

(a) in the sole name of a Child aged 7 andover, up to age 10; or

(b) in the sole name of an Adult for thebenef it of a Child up to 10 years old.

Once the Child has reached his/her 11thbirthday You will no longer be eligible to openor hold the Account.

notice or transfer any balance in the Accountto another account within Our account rangewhich We may open in Your name. The Termsand Conditions which apply to Your newaccount will be advised to You when We openthe account for You.

2.4 A minimum balance of £1 (one poundsterling) is required to open and maintain anAccount.

3. Payments from the Account Withdrawals of an amount up to the balance

in Your Account can be made at Your Branch.Withdrawals of up to £1,000 (one thousandpounds sterling) per day (subject to fundsavailable in Your Account) can be made atany other Danske Bank Branch in NorthernIreland on presentation of suitable proof ofidentity which should bear the signature ofthe Account Holder.



5. 24 Hour Telephone Banking and eBanking If You are under 16, Your Parent or Guardian

must consent to You registering foreBanking. They can do so on the Bank’sapproved form. 24 Hour Telephone Bankingis not available with Danske DiscoveryAccounts.



2. Opening an Account 2.1 An Account may be opened either:

(a) in the sole name of a Child, between 11and 17 years old; or

(b) in the sole name of an Adult for thebenef it of a Child between 11 and 17years old.

Once the Child has reached his/her 18thbirthday the Account Holder will no longer beeligible to open or hold the Account.

2.2 If the Account is opened in the name of anAdult for the benef it of a Child then the Adultis the Account Holder. The Account Holder inthese circumstances is deemed to hold themonies in the Account in trust for the Childand the Bank will accept instructions inrelation to the Account only from theAccount Holder. The Bank will not be obligedto enquire into the purpose for which anysum or sums withdrawn are required orused.

2.3 You may remain entitled to the Account untilthe Child has reached his/her 18th birthdayat which time You will no longer be eligiblefor the Account. If, at this time, We have notreceived instructions regarding the balancein the Account from You, We may close theAccount giving You at least two months’

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Danske Midas1. Applications Applications to open an Account can be




2.2 The Account is only available to personalcustomers where You (or in the case of ajoint Account, at least one of You) are aged50 years or over.



4. eBanking You may operate the Account using Our

eBanking services, subject to the SpecialTerms and Conditions of that service.

Details are available on request. Not all ofthe facilities of fered through Our eBankingservices are applicable to savings accounts.Our eBanking Service is subject to periods ofroutine maintenance.

3. Payments from the Account Withdrawals of an amount up to the balance

in Your Account can be made at Your Branch.Withdrawals of up to £1,000 (one thousandpounds sterling) per day (subject to fundsavailable in Your Account) can be made atany other Danske Bank Branch in NorthernIreland on presentation of suitable proof ofidentity which should bear the signature ofthe Account Holder.



5. eBanking If the Account is opened in the name of an

Adult for the benef it of a Child, then the Adultmay operate the Account using Our eBankingService, subject to the Special Terms andConditions for that service. Details areavailable on request. Not all of the facilitiesof fered through Our eBanking services areapplicable to savings accounts. Our eBankingService is subject to periods of routinemaintenance.


The Account is accessible online. Where Youare registered for eBanking, You can use TPPservices.

2.2 If the Account is opened in the sole name of aChild then the Child is the Account Holder. AChild must be at least 7 years old to open anAccount in his/her sole name.

2.3 If the Account is opened in the name of anAdult for the benef it of a Child then the Adultis the Account Holder. The Account Holder inthese circumstances is deemed to hold themonies in the Account in trust for the Childand the Bank will accept instructions inrelation to the Account only from theAccount Holder. The Bank will not be obligedto enquire into the purpose for which anysum or sums withdrawn are required orused.

2.4 You may remain entitled to the Account untilthe Child’s 11th birthday at which time Youwill no longer be eligible for the Account. If,at this time, We have not receivedinstructions regarding the balance in theAccount from You, We may close theAccount giving You at least two months’notice or transfer any balance in the Accountto a Danske Discovery Savings Accountwhich We may open in Your name. The termsand conditions which apply to Your newaccount will be advised to You when We openthe account for You.

2.5 A minimum balance of £1 (one poundsterling) is required to open and maintain anAccount.

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of fered through Our eBanking services areapplicable to savings accounts. Our eBankingService is subject to periods of routinemaintenance.



Danske Fixed Term Deposit Account Def init ionsThe Def initions set out in the Bank’s GeneralTerms and Conditions – Personal Accounts orBusiness Accounts (as applicable) apply. Inaddition the following def initions apply to theseSpecial Terms and Conditions:

“Account” means a Danske Fixed Term DepositAccount opened by the Account Holder with Usunder these Terms and Conditions. An Account canbe opened in sterling only;“Conf irmation” means details conf irming the amount of the deposit, the Fixed Term of thedeposit and the interest rate which will apply. AConf irmation is issued on the day the deposit isplaced in the Danske Fixed Term Deposit Accountand on each subsequent Rollover date;“Fixed Term” or “Term” means the term which isset out in the Account Agreement or Conf irmationletter;“Maturity Date” means the date on which theFixed Term as set out in the Account Agreement or Conf irmation letter ends;“Rollover” means the automatic reinvestment of

eBanking services. You cannot make anywithdrawals from the Account at any counterof a Danske Bank branch in Northern Ireland.When You make a withdrawal from YourAccount this will af fect the amount ofinterest that You receive (see Clause 5below). You can arrange to have the annualinterest transferred from Your Account onthe date that it is credited to Your Account.Provided that You make this arrangementwith Us before the date that the interest iscredited to Your Account the transfer of theannual interest to another account will not betreated as a payment from Your Account forthe purposes of calculation of interest.


‘Interest rates’ leaf let. Interest is calculatedon a daily basis and credited to Your Accountonce each year on the date set out in the‘Interest rates’ leaf let. If You make a paymentfrom Your Account then You will not beentitled to any interest on the balance in YourAccount for the period of the calendar monthduring which the withdrawal is made. Youcan compare Our savings accounts on OurWebsite or by requesting information fromYour Branch.


eBanking Service. Use of Our eBankingService is subject to the Special Terms andConditions for that service. Details areavailable on request. Not all of the facilities



Danske eSaver Account1. Applications1.1 You may only open a Danske eSaver Account

by applying online on Our Website or bytelephoning Us.

1.2 When You open an Account, You mustregister (or be registered for) Our eBankingService.

1.3 You can open a maximum of one Account inYour sole name and a maximum of oneAccount in Your joint name with anotherparty.

2. Opening an Account2.1 A minimum balance of £1 (one pound


2.2 The Account is only available to personalcustomers who are aged 18 years or over.




Account by electronic transfer using Our

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the balance in the Account (including accruedinterest unless You specif ically instruct Us to payany accrued interest into Your Service Account) onthe Maturity Date on the basis of the terms set outin the Conf irmation letter which is issued to You atthe Maturity Date;“Serv ice Account” means an account from Ourcurrent account range, a Business InvestmentAccount, a Danske Midas Account or a SummitAccount that You hold with the Bank in Yourname(s). You will be required to maintain a ServiceAccount for the duration of the Danske Fixed TermDeposit Account.

1. Opening an Account1.1 The Account is available to both business

customers including sole traders,partnerships, clubs, associations, charities,churches, trusts, societies, limitedcompanies, unlimited companies, limitedpartnerships and limited liabilitypartnerships who are running a designatedbusiness, and personal customers. Personalcustomers must be aged 16 years or over.

1.2 Personal customers may open an Account ata Branch, or by telephoning 0800 66 00 33or via Our eBanking service. A personalcustomer can only open an Account via OureBanking service in their sole name.

1.3 Business customers may only open anAccount at a Branch.

2. Cancellat ion rights2.1 Cancellation rights, as set out in Clause 23

of the General Terms and Conditions, do notapply to the Account.

2.2 Cancellation rights under the FCA’s BankingConduct of Business Rules do not apply tothe Account.

2.3 You have no right to cancel the Agreementonce the Fixed Term has commenced.

3. Operation of the Account3.1 The Account is available for a f ixed term of

either:(a) one, two or three weeks,(b) one, two, three, four, f ive, six, seven, eight,

nine, ten or eleven months,(c) one, two, three, four or f ive years, or(d) for any term ending on a specif ied date as

selected by You (subject to a minimumterm of seven days and a maximum termof f ive years); (“the Term”) (whichever Youselect at the date the Account is opened).

However, if You are a personal customer andopen an Account via Our eBanking servicenot all of the options listed above areavailable.

3.2 Deposits are only accepted on the date thatthe Account is opened or by the close ofbusiness on the business day before theMaturity Date if the balance in the Account isrolled over for another Term. Furtherdeposits cannot otherwise be made to YourAccount but You can open more than oneDanske Fixed Term Deposit Account.

3.3 Deposits must be made in cleared fundsfrom Your Service Account (by cash or bytransfer from another account where thefunds have cleared - see General Terms andConditions – Personal Accounts or BusinessAccounts (as applicable), Clause 3).

3.4 The minimum deposit required to open theAccount is £5,000 [f ive thousand poundssterling]. There is no maximum limit to theamount of funds You can invest. However, ifYou are a personal customer and open anAccount via Our eBanking service, themaximum amount of funds You can invest is£1,000,000 (one million pounds sterling).

3.5 For any one Danske Fixed Term DepositAccount, the minimum balance must not fallbelow £5,000 [f ive thousand poundssterling] (excluding interest accrued but notyet credited).

If this happens then the Account willcontinue to accrue interest at the ratespecif ied in the Conf irmation but at theMaturity Date, Rollover of the balance in theAccount for another Term will not bepermitted and the balance including anyinterest accrued will be automaticallytransferred to Your Service Account and theinterest rates and terms and conditions forYour Service Account will apply.

4. Withdrawals 4.1 Withdrawals can normally only be made on

the Maturity Date. In special circumstances,You may apply to the Bank in writing to closethe Account (or make a withdrawal from theAccount) before the Maturity Date. If theBank approves Your application to close theAccount (or to make a withdrawal from theAccount) and the Term of the Account is forsix months or longer, Your Account will notbe closed (or the withdrawal will not be madefrom the Account) until ninety days after the


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date the application is approved. For allother Terms, the Account will be closed (orthe withdrawal will be made from theAccount) on the date the application isapproved. An early withdrawal charge ispayable in the event of early withdrawal orclosure.

4.2 The early withdrawal charge will consist of afunding cost which is based on movements inthe interest rate market. These costs will beadvised to You at the time and may result inYou not achieving the rate of return aspublished. In addition an administration feeas set out in Our ‘Fees and service chargesexplained’ leaf let will be applied to YourAccount. If You apply to make an earlywithdrawal or close the Account prior to theMaturity Date You may receive less moneyback than You initially deposited in theAccount.

4.3 If You make an early withdrawal from theAccount, any agreement to Rollover theAccount will be cancelled.

4.4 In addition to the terms of any Mandate Youhave signed in respect of Your Account theMandate holder will also be authorised to dothe following; (a) Close the Account early; and(b) Provide instructions in relation to the

Rollover of the Account.4.5 In the event of the death of the Account

Holder (or one of them if the Account is ajoint Account), the Account may be closedwithout any early withdrawal charge beingapplied.

5. Interest rates 5.1 Interest rates payable on Danske Fixed Term

Deposit Accounts are f ixed at the date ofreceipt of the initial lodgement andthereafter at each Maturity Date.

5.2 Interest rates are banded according to theamount deposited.

5.3 Details of interest rates are available fromany branch. Personal customers who applyfor the Account using Our eBanking servicewill be able to see the interest rateapplicable to the Account prior to openingthe Account.

5.4 Interest accrues on a daily basis at theagreed rate and is credited to the Account onthe Maturity Date.

5.5. Save and except for an Account where Youhave selected a Term with a specif iedMaturity Date on Account opening, You canrequest Your Account to Rollover at eachMaturity Date, for the same Term at theinterest rate applicable at the Maturity Date.You can select to Rollover the Account(subject to any minimum threshold) on eitherof the following basis;

(i) Capital and accrued Interest can be rolledover.

(ii) Capital can be rolled over and accruedInterest paid to Your Service Account.

The Bank must receive any instructions inrelation to whether or not You wish theRollover to include accrued Interest by theclose of business on the business day beforethe Maturity Date.

5.6 If no instructions regarding Rollover havebeen received prior to the Maturity Date,then, on that date, the balance in YourAccount will be automatically transferred toYour Service Account and the interest ratesand terms and conditions for Your ServiceAccount will apply.

6. Statements6.1 You will receive statements and letters

containing information about Your Accounton the occasions specif ied in the followingtable:


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Account opening Account Agreement

End of tax year Statement

10 days beforeMaturity Date

Letter if Term of FixedTerm Deposit Account isgreater than one month

Rollover on Maturity Conf irmation letter

Any paymenttransaction

Details will be provided toYou either by a statementor separate notif ication atthe time of the transactionor shortly after.

Transfer to ServiceAccount

Statement at the end ofthe month in which thepayment transactionoccurred.

Account closure Statement

We will provide these statements to You on paperunless You have agreed that We may make thesestatements available to You in Your electronicmailbox or where You have District, Your eArchive,and the terms and conditions applicable to thatService will apply.

7. 24 Hour Telephone Banking, eBanking and District7.1 Personal customers may open the Account in

their sole name and operate the Accountusing Our eBanking service, subject to theSpecial Terms and Conditions for thatservice. Details are available on request.

7.2 Business customers cannot open or operate,but may view, an Account using Districtservice, subject to the Special Terms andConditions for that service. Details areavailable on request.

7.3 You will not be able to hear about or operatethe Account using Our 24 Hour TelephoneBanking service.

7.4 Not all of the facilities of fered through OureBanking and District services are applicableto savings accounts. These services are alsosubject to periods of routine maintenance.

Please note that We may record or monitorcalls to conf irm details of Our conversations,and for verif ication and quality purposes.


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This service may be temporarily unavailablewhen We are carrying out routinemaintenance.

Call charges may vary. Please refer to Yourphone company for details.

8. Variation The terms and conditions for Your Danske

Fixed Term Deposit Account will not bevaried during the f ixed term. Clause 27 of theGeneral Terms and Conditions (PersonalAccounts) and Clause 26 of the GeneralTerms and Conditions (Business Accounts)is not applicable to the Danske Fixed TermDeposit Account. In the event of any changein applicable law or regulation, We reservethe right to vary the terms and conditions ofYour Danske Fixed Term Deposit during thef ixed term.

9. Third Party Prov iders (TPPs) You may not access the Account using the

services of a TPP since the Account is not apayment account under the PaymentServices Regulations 2017.

Key Features and Special Terms andConditions Danske Cash ISA Important Information

Product Information - Danske Cash ISA

The product information details the key features ofthe Danske Cash ISA to help You decide if its rightfor You.

Special Terms and Conditions – Danske Cash ISA.

The Special Terms and Conditions – Danske CashISA provides the special terms and conditions ofthe Danske Cash ISA which apply in addition to theGeneral Terms and Conditions - PersonalAccounts.

Further InformationIf there is anything which You do not understand, orif You would like further details about ISAs andother products of fered by Us, You can telephone Uson 0345 600 2882.

Information about the Danske Cash ISA, includingapplicable interest rates, is also available on OurWebsite at danskebank.co.uk/isa.

How the Danske Cash ISA works

• Your ISA is opened upon receipt by Us of acorrectly signed Account Agreement or, ifapplicable, a correctly signed TransferAccount Agreement or APS Application, andpayment;

• The Bank's ‘Interest rates' leaf let providesinformation on current interest rates and isan integral part of this document. If You arenot provided with one, please request a copyfrom Your Branch;

• The interest earned is free of tax;• Interest is variable and is calculated on a

daily basis on the cleared credit balance ofYour Account and credited to the DanskeCash ISA once a year;

• You may access Your money through YourBranch, or through Our online services;

• You cannot open the ISA jointly with anyoneelse or transfer it to anyone else. Thesavings in an ISA must be Yours and theaccount cannot be used as security for aloan.

Information provided is based on Ourunderstanding and interpretation of current taxlegislation, tax levels and HM Revenue andCustoms (HMRC) practice, all of which may changein the future, including the favourable treatment ofISAs. The rate of interest is variable based onrates determined by the Bank, and may change inthe future.

Tax rules and tax levels may change in the future.

Your Quest ions Answered

What is an ISA?

An ISA is a tax ef f icient way of saving or investingas all income and capital gains arising within anISA are exempt from any personal liability to UKIncome Tax and Capital Gains Tax.

There are four types of ISA:

• Cash• Stocks and Shares• Innovative f inance• Lifetime

Each tax year, You can choose to invest in a cashISA, a stocks and shares ISA, an innovative f inanceISA and a Lifetime ISA. These can be held with thesame or dif ferent ISA providers.

The Danske Cash ISA is an instant access savingsaccount that pays interest tax-free.

How much can you save to an ISA?

A payment to an ISA is called a subscription.HMRC set annual limits on the amount that Youcan subscribe.

The ISA subscription limit for the current tax year(6 April 2020 to 5 April 2021) is £20,000.

Each tax year You can subscribe the full limit toone type of ISA or split the limit between a cashISA, a stocks and shares ISA, an innovative f inanceISA and a Lifetime ISA as You wish subject to theLifetime ISA payment limit of £4,000.

Key Features and Special Terms and Conditions Danske Cash ISA

Sect ion 8

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Can I invest in an ISA?

To invest in Our Danske Cash ISA, You must beaged 16 or over.

You must also be resident in the United Kingdomfor tax purposes or a Crown employee servingoverseas (or married to, or in a civil partnershipwith, a Crown employee working overseas).

If You are under 18 and a parent has gifted moneyto You in Your ISA, where the interest from this ismore than £100 a year, the whole of the interestfrom the gift(s) may count towards the parent'sincome and be taxable as such.

What happens if my residency status changes?

If You become a non UK resident, You can still keepthe existing ISA open but You will not be eligible tosubscribe to the account. If You change Youraddress, We may block Your account for furtherdeposits until You conf irm if You are still eligible tosubscribe.

How can I subscribe to a Danske Cash ISA?

You may make subscriptions at any time, subject tothe applicable annual ISA subscription limit, bycheque, cash or electronic transfer from anotheraccount (including through Our eBanking Service).You may also set up regular saving by StandingOrder.

You may increase or decrease Your regularmonthly savings at any time without any charges.You may also stop Your savings, and restart them,at any time without penalty.

If You stop making subscriptions to Your DanskeCash ISA for one full tax year, You will be requiredto sign a new Account Agreement before You canstart subscribing again.

Can I make withdrawals from the Danske CashISA?

Yes. You may make a withdrawal from Your DanskeCash ISA, in whole or in part, at anytime.

Please note that taking money out of Your DanskeCash ISA will reduce the balance of Your DanskeCash ISA and therefore reduce the tax savings Youcould be entitled to at the end of the tax year.

If You have fully subscribed Your ISA allowance in atax year, any amount withdrawn cannot bereinvested in the ISA until the following tax year.

To make a withdrawal You can telephone YourBranch and request a transfer to another accountor You can request a transfer to another accountor withdraw cash at the counter of any branch ofthe Bank situated in Northern Ireland. If YourBranch is not situated in Northern Ireland, You cansend a written request to withdraw funds to theISA Manager.

You may also transfer funds to another accountusing Our eBanking Service (You must beregistered for eBanking to do this].

How can I keep track of how my Danske Cash ISA isperforming?

We will send You statements every six monthsshowing the value of Your Danske Cash ISA. Inaddition We will provide You with a more regularstatement, at least monthly, during any period thatthere has been a payment transaction on YourAccount. If You prefer, You can ask Us to make Yourstatements available electronically instead ofpaper format. You can also enquire about or viewYour balance and transaction information throughOur 24 Hour Telephone Banking and eBankingServices.

Can I transfer my ISA between providers?

Yes. It is possible to transfer an ISA betweenproviders and it is also possible to transfer fromone type of ISA to another. You can request atransfer by contacting the new ISA provider whowill arrange the transfer.

Can I change my mind about my Danske Cash ISAAccount (cancel the Account) after I have openedit?

You will have a right to cancel Your Danske CashISA within14 days of the day after the date that theAccount was opened, or the date You receive theterms and conditions, whichever is later. You cancancel the agreement by contacting Your branch orby writing to the ISA Manager.


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If You are required to complete a new AccountAgreement because You have made nosubscriptions in the previous tax year, the samecancellation rights apply.

After You have cancelled Your application You willbe free to subscribe to another cash ISA in thesame tax year in which the cancellation is ef fectedas HMRC will treat the cancelled subscription as ifit had never taken place.

What happens to my ISA when I die?

When You die, the tax benef its of Your ISA willcontinue until either the administration of Yourestate is completed, Your Account is closed, oruntil the third anniversary of Your death, whicheveris the earlier. During this period, We will designateYour Account a “continuing account of a deceasedinvestor” and We will manage it in accordancewith the instructions of Your legalrepresentative(s).

If, after three years, the Account has not beenclosed, the tax benef its of the Account will end.

A surviving spouse or civil partner is eligible toclaim an Additional Permitted Subscriptionallowance in addition to their normal ISAallowance, to invest in an ISA.

This is an additional subscription allowance onlyand does not involve the transfer of the actualfunds contained within Your ISA. The ISAinvestments will be dealt with in accordance withYour estate.

The time limit for claiming this allowance andmaking the cash subscription ends 3 years afterthe date of death, or if later, 180 days after theadministration of the estate is complete.

Additional Permitted Subscriptions can be eitherthe value of Your ISA at the date of Your death, orthe value of Your ISA at the date Your Accountceases to be a continuing account of a deceasedinvestor. If Your spouse or civil partner uses anyAdditional Permitted Subscriptions during theperiod in which Your Account is a continuingaccount of a deceased investor, then they are onlyentitled to an allowance up to the value of YourAccount on the date of Your death.

Queries and complaints

If you are not happy with any part of our service,please ask us for a copy of our leaf let ‘Puttingthings right for you’ or v isit Our Website. We aimto deal with complaints in a way our customers aresatisf ied with.


You will also be able to contact the FinancialConduct Authority (FCA) or the Payment SystemsRegulator (PSR) if you think that we have brokenthe Payment Services Regulations 2017.

The FCA and the PSR will use this information toinform their regulatory activities. More informationcan be found athttps://www.psr.org.uk/sites/default/f iles/media/PDF/PSR-PSD2-approach-factsheet-Sep-2017.pdf

Important information about compensationarrangements

We are covered by the Financial ServicesCompensation Scheme (FSCS), the UK's depositguarantee scheme. The FSCS can paycompensation to depositors if a bank is unable tomeet its f inancial obligations.

Your elig ible deposits with us are protected upto a total of £85,000 by the FSCS. Any depositsyou hold above the £85,000 limit are unlikely tobe covered. Please see the FSCS InformationSheet and Exclusions List atdanskebank.co.uk/fscs-personal for more detail.

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Special Terms and Condit ions –Danske Cash ISA

These Special Terms and Conditions - Danske CashISA are in addition to the General Terms andConditions - Personal Accounts. Unless otherwisestated where any Special Terms and Conditions -Danske Cash ISA are not consistent with theGeneral Terms and Conditions - PersonalAccounts, then these Special Terms andConditions - Danske Cash ISA will apply to theextent of that inconsistency.

An Individual Savings Account [ISA] is a scheme ofinvestment to which an individual who is aQualifying Individual may subscribe. Should Youf ind anything in these Special Terms andConditions which You do not understand, thenplease contact Your local branch or the ISAManager.

1. DefinitionsThe Def initions set out in the General Terms andConditions - Personal Accounts apply. In additionthe following Def initions apply to these SpecialTerms and Conditions - Danske Cash ISA;

"Account" means a Danske Cash ISA Accountopened by the Account Holder with Us inaccordance with these Special Terms andConditions - Danske Cash ISA and the GeneralTerms and Conditions - Personal Accounts;

"Account Agreement" incorporating a declarationand authorisation, means the duly signed account

agreement by which You have applied for a DanskeCash ISA;

”Addit ional Permitted Subscription” or “APS” isan additional subscription allowance given to thespouse or civil partner of a deceased ISA holdereither to the value of the ISA(s) held by thedeceased on their death or to the value of thedeceased’s ISA[s] at the date the Account ceasesto be a Continuing Account of a Deceased Investor;

“APS Application” incorporating a declaration andauthorisation, means the duly signed APSapplication by which You have applied for a DanskeCash ISA in order to utilise Your APS allowance;

“Continuing Account of a Deceased Investor”means an Account of a deceased ISA holder thatcontinues to benef it from the ISA tax advantagesuntil the administration of the deceased’s estate iscompleted, the Account is closed, or until the thirdanniversary of the Account Holder’s death,whichever is the earlier;

"Danske Cash ISA" means a cash ISA establishedunder these Special Terms and Conditions andincludes any sums on deposit in the cash ISAtogether with any accrued interest;

“eBanking Service” means our eBanking servicesas described in our eBanking and ElectronicSignature Terms and Conditions;

"HMRC" means HM Revenue & Customs (formerlyknown as Inland Revenue];

"ISA" means Individual Savings Account;

"ISA Manager" means Northern Bank Limitedwhose Registered Of f ice is Donegall Square West,Belfast BT1 6JS, or any other company to whichthe ISA Manager transfers the Danske Cash ISA inaccordance with Clause 10 hereof;

"Qualifying Individual" means an individual:i. who is 16 years of age or over for a Danske

Cash ISA; andii. who has not subscribed to any other cash

ISA in the same Tax Year; andiii. who is resident in the United Kingdom for tax

purposes, or if not so resident eitherperforms duties which by virtue of Section28 of the Income Tax (Earnings & Pensions]Act 2003 (Crown employees servingoverseas] are treated as being performed inthe United Kingdom, or is married to, or in acivil partnership with, a person whoperforms such duties; and

iv. who has not exceeded the overall annual ISAsubscription limit (if 18 or over];

"Tax Year" means a year beginning on 6 April in anyyear and f inishing on 5 April the following year, oras otherwise amended by the tax authorities;

"Transfer Account Agreement" incorporating adeclaration and authorisation, means the dulysigned transfer account agreement by which Youhave applied for a Danske Cash ISA by transferringYour ISA from the ISA Manager or another ISAmanager;

“Transfer Authority Form” means the form whichYou complete to request the transfer of an ISA toYour Danske Cash ISA, to be forwarded to Your oldISA manager to authorise the transfer;

Special Terms and Conditions for Danske Cash ISA

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will be opened in the name of theincapacitated person.

3.6 This agreement is constituted by a dulysigned Account Agreement, TransferAccount Agreement, or APS Application andthese Special Terms and Conditions willcome into ef fect once the AccountAgreement, Transfer Account Agreement, orAPS Application has been accepted by theBank. However, Your Danske Cash ISA willnot be considered opened until the Bank hasreceived Your f irst subscription or transferpayment from the old ISA manager, asapplicable, to Your Danske Cash ISA.

3.7 The Bank reserves the right to refuse toopen a Danske Cash ISA, or accept a transferin, without stating any reason.

4. Subscriptions (Payments to Your Account) This Clause 4 does not apply to APS

allowance subscriptions. For APS allowancesubscriptions, refer to Clause 13

4.1 You must be a Qualifying Individual and mustsubscribe to the Danske Cash ISA with Yourown cash.

4.2 You may not subscribe to the Danske CashISA otherwise than by means of a sum orsums paid directly to the Bank.

4.3 You may subscribe to Your Danske Cash ISAin Tax Years following that in which it isopened in accordance with any requirementsof the Treasury Regulations.

4.4 A subscription to the Danske Cash ISA mustbe received by the Bank before the end of theTax Year for which the application tosubscribe is made. See the Payment Table inthe General Terms and Conditions for more

3. Applications3.1 In order to open a Danske Cash ISA, You

must be a Qualifying Individual.3.2 For applications to open a Danske Cash ISA

for the purpose of completing a transfer in ofexisting ISA investments (in accordance withClause 8) or to utilise an AdditionalPermitted Subscription allowance (inaccordance with Clause 13), where thecustomer does not intend to furthersubscribe to the ISA, the Account Holderdoes not have to be resident in the UK, or bea UK Crown servant or married to or in acivil partnership with a Crown servant. APSallowance subscriptions are also not treatedas normal ISA subscriptions under aneligible customer’s annual allowance andtherefore will not cause a customer tobreach the normal ISA subscription rules.

3.3 You will be required to sign the applicabledeclaration and authorisation as set out inthe Account Agreement, Transfer AccountAgreement or APS Application as applicable.

3.4 A Danske Cash ISA cannot be opened in jointnames.

3.5 The Bank may accept applications completedby and act on instructions received fromsomeone legally appointed or authorised toact on behalf of the Account Holder if theAccount Holder is not able to complete theAccount Agreement by reason of mentaldisorder or incapacity, physical disability,illness or old age, and the Bank has seen thedocument and is satisf ied that it authorisesthe person to act on behalf of the AccountHolder. Unless otherwise required byTreasury Regulations, the Danske Cash ISA

"Transfer History Form" means the form(containing the information specif ied in theTreasury Regulations] to be completed by the oldISA manager when an ISA is being transferred to anew ISA manager;

"Treasury Regulations" means the IndividualSavings Account Regulations 1998 as amended,substituted or replaced from time to time.References to any statutory provision or toregulations made there-under include anymodif ication or re-enactment thereof.

2. Introduction2.1 The Bank and at any given time the ISA

Manager are authorised by the PrudentialRegulation Authority and regulated by theFinancial Conduct Authority and thePrudential Regulation Authority.

2.2 The ISA Manager will make claims, conductappeals and agree on behalf of the AccountHolder liabilities for and refunds from tax inrespect of the Danske Cash ISA.

2.3 The Danske Cash ISA must comply at alltimes with the Treasury Regulations. TheseSpecial Terms and Conditions do not explainevery requirement of the TreasuryRegulations. The ISA Manager will provideHMRC with all the relevant particulars of theDanske Cash ISA which HMRC mayreasonably request.

2.4 Cash held within Your Danske Cash ISA willat all times be held for You benef icially andmust not be used as security for a loan.

2.5 These Special Terms and Conditions arebased on the Bank's understanding of currentlaw and the Treasury Regulations and may besubject to change in the future.

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savings accounts on Our Website or byrequesting information from Your Branch.

6.2 Subject to Clause 6.3, Credit Interest paid toan ISA is tax-free.

6.3(a) If the Account is to be voided or repaired inAccordance with Clause 11, the relevantinterest paid or credited on or after 6 April2016 will not be taxed. Interest paid orcredited before this date will be taxed at thebasic rate where appropriate.

(b) In the event of Your death, interest paid orcredited on or after 6 April 2016 will not betaxed.

(c) In the event of You becoming bankrupt, inaccordance with Clause 14, interest fromdate of appointment of a trustee to deal withYour assets will not be taxed.

Depending on Your personal circumstancesYou may be liable to pay income tax on anycredit interest that You receive as this willnot be deducted by Us at source.

6.4 Where necessary, We can vary the CreditInterest payable on the Account. We canincrease the Credit Interest payableimmediately and inform You about the changeon Your next statement. Subject to Clause6.5, if We decrease the Credit Interestpayable We will always give You at least 14days’ written notice before the change takesef fect.

6.5 If the balance in the Account is less than£100 We will not send You notice of adecrease in the Credit Interest payable underClause 6.4.

7. Transfers out7.1 On the instruction of the Account Holder, an

Cash ISA until You are a Qualifying Individualagain. If We receive information whichsuggests You may no longer be eligible tosubscribe to the Account, We may block theaccount pending conf irmation from You.

4.10 If We refuse to accept a payment into YourAccount We will, where possible, attempt tocontact You explaining Our reasons.

5. Withdrawals On the instruction of the Account Holder and

within the time stipulated by the AccountHolder, all or part of the investments held inthe Danske Cash ISA, and proceeds arisingfrom those investments shall be transferredor paid to the Account Holder. You canwithdraw any amount up to the cleared creditbalance in Your Danske Cash ISA. You cantelephone Your Branch or call at any branchof the Bank situated in Northern Ireland andrequest Us to transfer the funds to anyaccount specif ied by You provided suchaccount can accept transfers, or You maywithdraw the money in cash at the counter ofany branch of the Bank situated in NorthernIreland. If Your Branch is not situated inNorthern Ireland, You can send a writtenrequest to withdraw funds from Your DanskeCash ISA to The ISA Manager, Danske Bank,Donegall Square West, Belfast BT1 6JS. Youmay also transfer funds to another accountusing Our online eBanking Services (Youmust be registered for eBanking to do this].

6. Interest6.1 Credit Interest is payable as set out in Our

Interest rates' leaf let. You can compare Our

information on the date of receipt of apayment into Your account.

4.5 You can pay into the Danske Cash ISA at thecounter of any branch of the Bank situated inNorthern Ireland, by telephoning the branch,by post, or by electronic transfer (includingthrough Our eBanking Service] subject to theappropriate ISA subscription limit.

4.6 Any cheque paid into the Danske Cash ISAwhich is subsequently returned unpaid willbe debited from the Danske Cash ISA. Anyinterest paid on the amount of the returnedcheque may also be debited from theaccount.

4.7 You may discontinue subscriptions to theDanske Cash ISA either temporarily orpermanently without penalty and withoutprejudice to the continuation of the DanskeCash ISA. A new Account Agreement, orTransfer Account Agreement, will berequired in the event that You make nosubscriptions to the Danske Cash ISA duringa whole Tax Year, before You can subscribeagain to the Danske Cash ISA.

4.8 Total subscriptions during a Tax Year made infull to a Danske Cash ISA or when combinedwith subscriptions, if any, to a stocks andshares ISA or an innovative f inance ISA or aLifetime ISA may not exceed the annual ISAsubscription limit. Any amounts received bythe Bank in excess of the subscription limitwill be returned to You.

4.9 If at any time You cease to be a QualifyingIndividual the Danske Cash ISA will continueto be exempt from tax in accordance withTreasury Regulations, however no furthersubscriptions can be made to the Danske

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9. Cancellation This Clause 9 does not apply to APS

allowance subscriptions. For cancellation ofan APS allowance subscription, refer toClause 13.

9.1 You can withdraw Your application for aDanske Cash ISA at any time before Yourf irst subscription is made.

9.2 This clause applies to all new Accountsincluding ISAs transferred to Us fromanother ISA manager. If You decide You donot want Your Account, You will have 14 daysfrom the date the new Account was openedto cancel Your contract with Us. Where anISA has been transferred to Us, You will havethe option of transferring the ISA back to theoriginal ISA manager if they agree, or toanother ISA manager.

9.3 If You have made no subscriptions in theprevious tax year and are required to sign anew Account Agreement, You will have 14days from the date You signed the AccountAgreement, to cancel Your subscription withUs.

9.4 You have no cancellation rights if You aretransferring another cash ISA to a DanskeBank Cash ISA which You already hold withthe Bank. However, You can transfer Yourcash ISA to another ISA manager inaccordance with Clause 7. Alternatively, Youcan withdraw the transferred amount inaccordance with Clause 5 or request theAccount to be closed and We will give You allYour money back together with any interestdue in accordance with Clause 15.

the Treasury Regulations. The transfer in offunds may only be in the form of cash fromthe old ISA manager. You should refer to YourISA manager for information regarding anywithdrawal charges which may be deductedfrom your existing ISA.

8.2 You can request a transfer to a Danske CashISA by contacting Your local Danske Bankbranch in the UK. You will be required tocomplete a Transfer Authority Form withinstructions for the transfer and a TransferAccount Agreement stating whether You willbe subscribing to the Danske Cash ISA.

8.3 The ISA Manager will usually ef fect thetransfer within 5 Business Days of receipt ofthe Transfer History Form and cash from theold ISA manager.

8.4 Where You hold more than one Danske CashISA You may, subject to the TreasuryRegulations, instruct the ISA Manager tocombine the accounts by transferring thefunds from one, or more, Danske Cash ISAsinto one of the Danske Cash ISAs You hold.You must complete a Transfer AuthorityForm and a Transfer Account Agreement,regardless of whether a valid AccountAgreement is already held for the account towhich the funds are being transferred, for thecurrent Tax Year. The Transfer AccountAgreement must state whether or not Youwill subscribe to the Danske Cash ISA towhich the funds are being transferred.

8.5 The ISA Manager will usually ef fect thetransfer within 5 Business Days of receipt ofthe duly signed Transfer Authority Form andTransfer Account Agreement.

ISA or part of an ISA, shall be transferred toanother ISA manager.

7.2 Subject to Treasury Regulations You maytransfer:• current year ISA subscriptions in whole,

and /or• previous years' ISA subscriptions in

whole or in part from Your Danske CashISA to a cash ISA, a stocks and sharesISA, an innovative f inance ISA or aLifetime ISA with another ISA manager. IfYou only have current year subscriptionsthe entire account must be transferred.

7.3 Within 5 Business Days from the date Wereceive the Account Holder's writteninstruction and conf irmation from the newISA manager that they are prepared toaccept the transfer, We will transfer to thenew ISA manager the subscriptions specif iedin the transfer instruction together with allrequired information and, where appropriate,all rights and obligations relating to Your ISA.For the avoidance of doubt completion of thetransfer in accordance with the ISARegulations shall not act so as to prohibit theAccount Holder from bringing any claim forany act or omission against the ISA managerwhich occurred prior to the transfer date.

8. Transfers In This Clause 8 does not apply to APS

allowance subscriptions. For transfers in ofan APS allowance, refer to Clause 13.

8.1 You may transfer in funds from a cash ISA, astocks and shares ISA, an innovative f inanceISA or a Lifetime ISA with another ISAmanager subject to and in accordance with

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13.3 Requests to use this additional allowance inwhole or in part can be made by visiting anyDanske Bank branch in the UK. The applicantwill be required to sign documentationconf irming:-• their marriage /civil partnership with the

deceased; and• they were liv ing with the deceased at the

time of death. 13.4 Subscription of the APS allowance can be:-

• for any amount up to the value of thedeceased’s ISA(s) on the date of theirdeath (or, where applicable, up to thevalue of the deceased’s ISA(s) at the datewhen it ceases to be a ContinuingAccount of a Deceased Investor);

• made in one deposit or in multipleinstalments of a minimum of £250 eachor the remaining amount of the APSallowance;

• made in cash, cheque or request totransfer from another account held withDanske Bank;

• paid into an existing or newly openedDanske Cash ISA only or split between aDanske Cash ISA and another ISA withthe ISA Manager;

13.5 A Danske Cash ISA opened to receive theadditional subscription permitted underClause 13.1 will not cause the investor tobreach regulations which prohibitinvestments to more than one cash ISA pertax year.

13.6 An application to make an APS allowancesubscription can be cancelled within 14 daysfrom making the f irst subscription.

any other account You hold with Us; or• send a cheque payable to You for this

amount. 11.3 On completion of the void, the ISA Manager

may close Your Account.

12. Death The tax benef its of Your Account will

continue until the administration of Yourestate is completed, Your Account is closedor the third anniversary of Your death,whichever is the earlier. During this period,We will designate Your Account a“Continuing Account of a Deceased Investor”and we will manage it in accordance with theinstructions of Your legal representative(s).

13. Additional Permitted Subscription (APS)Allowance

13.1 The surviving spouse or civil partner of adeceased ISA investor who died on or after 3December 2014 and who held one or moreISAs with Danske Bank, may invest anadditional subscription allowance to aDanske Cash ISA, outside of the normalsubscription limit, as set by HMRC, to eitherthe value of the deceased’s ISA(s) at theirdate of death or to the value of thedeceased’s ISA[s] at the date it ceases to bea Continuing Account of a Deceased Investorprovided that they have not used any of theAPS allowance during the period in whichYour Account is a Continuing Account of aDeceased Investor.

13.2 The allowance may be claimed whether ornot the surviving spouse inherited thedeceased’s ISA assets.

10. Assignment and Delegation10.1 Your Danske Cash ISA may not be assigned

by You to any other person.10.2 The ISA Manager may appoint in its place

any company (which has received approvalfrom HMRC to act as an ISA manager] asmanager of Your Danske Cash ISA at anytime (including without limitation, prior to theDanske Cash ISA being opened] and shallthen transfer all benef its, duties andobligations under the General Terms andConditions – Personal Accounts and theseSpecial Terms and Conditions to thatappointee. Where required by the TreasuryRegulations the ISA Manager will give Younotice of the transfer.

10.3 The ISA Manager may delegate any of itsfunctions and responsibilities under theterms of its appointment to another person,and may provide information about theAccount Holder and the Danske Cash ISA toany such person, provided that the ISAManager has satisf ied itself that such aperson is competent to carry out thosefunctions and responsibilities.

11. Voiding11.1 The ISA Manager will notify You if, by reason

of any failure to satisfy the provisions of theTreasury Regulations, Your Danske Cash ISA,or any part of it, has or will become void orotherwise lose any tax relief as a result of aninvalid subscription having been made.

11.2 As soon as is practicable afterwards, Wemay, at Our discretion, either:• transfer any invalid subscriptions in Your

Account together with interest on them to

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17. Instructions, Notices and Requests17.1 The Bank will comply with Your requests

except where the Bank believes that suchcompliance may be impracticable or mightcontravene these Special Terms andConditions or any applicable law, rule orregulation.

17.2 You acknowledge that the ISA Manager willprovide HMRC with any information aboutYour Danske Cash ISA that is required to beprovided by the Treasury Regulations.

18. 24 Hour Telephone Banking and eBanking Provision of Our 24 Hour Telephone Banking

Service on Your Danske Cash ISA is limitedto being able to enquire about balances andtransactions.

You may operate Your Danske Cash ISA usingOur eBanking Service, subject to the SpecialTerms and Conditions of this Service. Detailsare available on request. Not all of thefacilities of fered through Our eBankingService are applicable to savings accounts.

Our 24 Hour Telephone Banking andeBanking Services are also subject toperiods of routine maintenance.

19. Using the Services of a Third Party (TPP) toaccess the Account

You may not access the Account using theservices of a TPP since the Account is not apayment account under the PaymentServices Regulations 2017.

14. Bankruptcy Where the Bank receives written notice that

You are bankrupt and the court hasappointed a trustee to deal with Your assets,the funds in the Danske Cash ISA togetherwith any accrued interest will remain in theDanske Cash ISA (but without the taxbenef its of an ISA] until notif ication ofwithdrawal is received by the ISA Managerfrom the trustee and the account closed.

15. Closure of an ISA15.1 In addition to the circumstances in which

Your Account can be closed as set out in theGeneral Terms and Conditions – PersonalAccounts, Your Account may be closed inaccordance with Clauses 11, 12 and 14.

15.2 The ISA Manager may deduct from YourAccount a sum determined by the Bank torepresent any tax liabilities You may have inconnection with the Danske Cash ISA forwhich the ISA Manager may be accountableunder the Treasury Regulations.

16. Changes to information previously provided16.1 You will notify the Bank in writing and

without delay of any change to theinformation previously provided on theAccount Agreement, Transfer AccountAgreement or otherwise, and will supply theISA Manager with all the information whichthe ISA Manager reasonably requests for thepurposes of carrying out its obligations inrespect of the Danske Cash ISA.

16.2 You will immediately inform the Bank inwriting if You cease to be a QualifyingIndividual.

Transferring in an APS allowance 13.7 Subject to and in accordance with the Treasury

Regulations, the ISA Manager will accept thetransfer in of an APS allowance with anotherISA manager.

13.8 All ISAs held with the ISA manager must beamalgamated into one APS allowance andcannot be transferred in part.

13.9 An APS allowance which has been partiallyused cannot be transferred.

13.10 The transfer will be of an allowance only andwill not involve the transfer of funds.

13.11 Once an APS allowance has been transferred itmay not be transferred a second time.

13.12 To request the transfer of an APS allowance toDanske Bank for subscription with Us, thesurviving spouse or civil partner will berequired to complete an APS TransferAuthority Form. On receipt of an APSAllowance Transfer Declaration from the otherISA manager, the applicant will be invited toproceed with an APS Application and open anISA if applicable.

Transferring out an APS allowance 13.13 Subject to and in accordance with Treasury

Regulations, on the instruction of the spouse orcivil partner of a deceased ISA investor withDanske Bank, an APS allowance which has notyet been fully or partially claimed and whichhas not been transferred to Us from anotherISA manager will be transferred to another ISAmanager.

13.14 The transfer will be of an allowance only andwill not involve the transfer of funds.

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Danske Junior Cash ISA - Key Features

These key features should be read together withthe Special Terms and Conditions – Danske JuniorCash ISA. Further information is also available onOur Website at danskebank.co.uk/jisa.

If there is anything which You do not understand,please contact Your local branch.

Overv iew of the Junior ISA (JISA)• A children’s savings Account with the same

tax benef its as an adult ISA – exempt fromUK income and capital gains tax;

• Subscription allowance per child per tax year(set at £9,000 for tax year 2020/21);

• Account held in child's name, but opened andmanaged by someone with parentalresponsibility;

• Anyone can contribute to a child's Junior ISA;• No withdrawals permitted until age 18, when

the Account becomes an 'adult' ISA and thechild has full access to the funds.

What is a JISA?Like the adult Individual Savings Account (ISA), theJISA is a tax ef f icient way of saving as incomeearned is exempt from UK income tax and capitalgains tax.

The JISA is designed to help You save for thechild’s future and so the money invested is held for

the child until age 18 when the Account will beconverted into an adult ISA. Funds will then beavailable for them to withdraw or alternativelytheir savings can remain in the adult ISA andcontinue to benef it from the tax advantages of theISA.

Who can have a JISA?Any child is eligible to have a JISA if, when theAccount application is made:-• they are under the age of 18;• they were born on or after 3 January 2011

or do not have a Child Trust Fund account;and

• they are resident in the UK.

Alternatively a child with a Child Trust Fund iseligible to open a JISA if:• the Child Trust Fund is transferred in full to

the JISA and the Child Trust Fund closed.

Any subscriptions made to the Child Trust Fundprior to the transfer will not impact the JISAsubscription allowance available on completion ofthe transfer. Both the Child Trust Fund and JISAsubscription allowances can be utilised in the yearthe transfer is completed.

Can I open a new JISA each tax year?No. There are two types of JISA. • Cash • Stocks and Shares

An Eligible Child can hold only one of each type ofJISA in their childhood. These Accounts can beheld with either the same or dif ferent JISAproviders. We currently of fer a Danske JuniorCash ISA only.

It is possible to transfer a JISA between providersand it is also possible to transfer from one type ofJISA to another. You can request a transfer bycontacting the new JISA provider who will arrangethe transfer.

How much can you save into the JISA?A payment into a JISA Account is called asubscription. There is an overall annualsubscription limit set by HM Revenue and Customs(HMRC) for each tax year. A tax year runs from 6April to 5 April the following year. The fullsubscription limit can be added to one type of JISAor split across the 2 types of JISA with the sameor dif ferent JISA providers.

The annual subscription limit on the JISA has beenset at £9,000 for tax year 2020/21.

You need an initial subscription of £25 to open aDanske Junior Cash ISA. After that You can add aslittle or as much as You want up to annualsubscription limits but once a subscription ismade to the account it cannot be reversed.

Danske Junior Cash ISA – Key Features

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How can I subscribe to a Danske Junior Cash ISA?You may make subscriptions at any time, subject tothe applicable annual JISA subscription limit, bycheque, cash or electronic transfer from anotheraccount (including through eBanking Service). Youmay also set up regular saving by Standing Order.

You may increase or decrease Your regularmonthly savings at any time without any charges.You may also stop Your savings, and restart them,at any time without penalty.

Can I withdraw from the JISA?No. The money is locked in for the child until theyare 18 – no withdrawals are permitted before thenexcept in the event of terminal illness (whenauthority may be granted by HMRC) or death of thechild.

When the child reaches age 18 the account willconvert to a Danske Cash ISA. We will write to theaccount holder with information on the DanskeCash ISA and how to lodge and withdraw funds.

Who can open and operate the JISA?Someone with parental responsibility for anEligible Child can open a Junior ISA for the child.Alternatively, if the Eligible Child is age 16 or 17,the child can open the Account. The Account willalways be in the name of the child.

Whoever opens the Account will be the RegisteredContact on the Account for receipt of anystatements and correspondence from the Bank.Once the child reaches age 16 they can request tobe the Registered Contact on their own Account.

Once the JISA is opened, anyone can gift moneydirectly into the Account.

How do I open a Danske Junior Cash ISA?To open a Danske Junior Cash ISA, call into anyDanske Bank Branch in Northern Ireland oralternatively if the Account is being opened bysomeone with parental responsibility for the childwho is 18 years of age or over, You can apply bytelephone to 0800 660033.

If the child has a National Insurance Number, Youwill need to provide this when opening the Account.

Can I transfer an exist ing Junior ISA or ChildTrust Fund into a Danske Junior Cash ISA?The Registered Contact on an existing Junior ISAor Child Trust Fund can apply to open a DanskeJunior Cash ISA and transfer in investments froman existing Child Trust Fund or Junior ISA. At the end of the transfer process, the child mustnot hold a Child Trust Fund and a Junior Cash ISAor 2 Junior Cash ISAs.

Any subscriptions already made to the Child TrustFund prior to the transfer into a JISA will notimpact the JISA subscription allowance. Thismeans that customers can benef it from the fullJISA subscription allowance for the applicable taxyear on completion of the transfer.

To apply for a transfer into a Danske Junior CashISA, call into any Danske Bank Branch in NorthernIreland.

Further Information

Cancellation rightsIf You open a Danske Junior Cash ISA and changeYour mind about the Account, You have a right tocancel the Account within14 days of the day afterthe date the Account was opened or the date Youreceive the terms and conditions, whichever islater. You can cancel the agreement by contactingYour branch or by writing to the ISA Manager atDanske Bank, Donegall Square West, Belfast, BT16JS.

HMRC will treat this Account as if it was neveropened and You will therefore be able to openanother Junior Cash ISA.Important information about compensationarrangements

We are covered by the Financial ServicesCompensation Scheme (FSCS), the UK's depositguarantee scheme. The FSCS can paycompensation to depositors if a bank is unable tomeet its f inancial obligations.

Your elig ible deposits with us are protected upto a total of £85,000 by the FSCS. Any depositsyou hold above the £85,000 limit are unlikely tobe covered. Please see the FSCS InformationSheet and Exclusions List atdanskebank.co.uk/fscs-personal for more detail.


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Quer ies and complaints

If you are not happy with any part of our service,please ask us for a copy of our leaf let ‘Puttingthings right for you’ or v isit Our Website. We aimto deal with complaints in a way our customers aresatisf ied with.


You will also be able to contact the FinancialConduct Authority (FCA) or the Payment SystemsRegulator (PSR) if you think that we have brokenthe Payment Services Regulations 2017.

The FCA and / or the PSR will use this informationto inform their regulatory activities. Moreinformation can be found athttps://www.psr.org.uk/sites/default/f iles/media/PDF/PSR-PSD2-approach-factsheet-Sep-2017.pdf


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Special Terms and Condit ions –Danske Junior Cash ISA

These Special Terms and Conditions - DanskeJunior Cash ISA are in addition to the GeneralTerms and Conditions - Personal Accounts. Unlessotherwise stated where any Special Terms andConditions - Danske Junior Cash ISA are notconsistent with the General Terms and Conditions -Personal Accounts, then these Special Terms andConditions - Danske Junior Cash ISA will apply tothe extent of that inconsistency.

A Junior Individual Savings Account (JISA) is atype of ISA available to eligible children in respectof which instructions are given by a RegisteredContact. If there is anything in these Special Termsand Conditions which is not clear, then pleasecontact a branch or The ISA Manager.

1. Def init ionsThe Def initions set out in the General Terms andConditions - Personal Accounts apply. In additionthe following Def initions apply to these SpecialTerms and Conditions - Danske Junior Cash ISA;

“Account” means a Danske Junior Cash ISAAccount opened by the Registered Contact with Usin accordance with these Special Terms andConditions - Danske Junior Cash ISA and theGeneral Terms and Conditions - PersonalAccounts;

Special Terms and Conditions for Danske Junior Cash ISA

“Account Holder” means the Eligible Child who atall times is the benef icial owner of the funds in theAccount;

“Account Agreement” incorporating a declarationand authorisation, means the duly signed accountagreement by which the Registered Contact hasapplied for a Danske Junior Cash ISA;

“Child Trust Fund” or “CTF” means a Child TrustFund account opened with an approved Child TrustFund provider under Child Trust Fund Regulations2004;

“Danske Junior Cash ISA” means a JISAestablished under these Special Terms andConditions and includes any sums on deposit in theAccount together with any accrued interest;

“eBanking Service” means our eBanking servicesas described in our eBanking and ElectronicSignature Terms and Conditions;

“Eligible Child” means when the Account is openedan individual who:

i. is under age 18; andii. was born on or after 3 January 2011 or

does not have a CTF account; andiii. is resident in the UK, or is a UK Crown

servant, married to or in a civil partnershipwith a Crown servant, or a dependent of aCrown servant; and

iv. does not already hold a Junior Cash ISA; andv. has not already utilised their full JISA

subscription allowance to a stocks andshares junior ISA.

Alternatively an “Eligible Child” may mean anindividual who:

i. is under age 18; andii. is opening the Account for the purpose of a

transfer in from either a CTF or a JISA;iii. on completion of the transfer, will not have

more than one Junior Cash ISA or both aJunior Cash ISA and a CTF.

“HMRC” means HM Revenue & Customs;

“ISA Manager” means Northern Bank Limitedwhose Registered Of f ice is Donegall Square West,Belfast BT1 6JS;

“JISA” means Junior Individual Savings Account;

“Registered Contact” and “You” means a personwho is aged 16 or over and is either:

i. the Account Holder (unless they aresuf fering from a mental disorder) and hastaken on management of the Account; or

ii. a person with parental responsibility for theEligible Child holding the Account.

“Tax Year” means a year beginning on 6 April in anyyear and f inishing on 5 April the following year, oras otherwise amended by the tax authorities;

“Transfer Account Agreement” incorporating adeclaration and authorisation, means the dulysigned transfer account agreement by which the

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Registered Contact has applied to transfer a JISAfrom another ISA manager or a CTF from a CTFmanager to a Danske Junior Cash ISA;

“Transfer Authority Form” means the form whichYou complete to request the transfer of a JISA orCTF to Your Danske Junior Cash ISA, to beforwarded to Your old ISA or CTF manager toauthorise the transfer;

“Treasury Regulations” means the IndividualSavings Account Regulations 1998 as amended,substituted or replaced from time to time.References to any statutory provision or toregulations made there-under include anymodif ication or re-enactment thereof.

2. Introduction2.1 The Bank and at any given time the ISA

Manager are authorised by the PrudentialRegulation Authority and regulated by theFinancial Conduct Authority and thePrudential Regulation Authority.

2.2 The ISA Manager will make claims, conductappeals and agree on behalf of the AccountHolder liabilities for and refunds from tax inrespect of the Account.

2.3 The Account must comply at all times withthe Treasury Regulations. These SpecialTerms and Conditions do not explain everyrequirement of the Treasury Regulations. TheISA Manager will provide HMRC with all therelevant particulars of the Account whichHMRC may reasonably request.

2.4 Cash held within the Account will at all timesbe held for the Account Holder benef icially


and must not be used as security for a loan.2.5 These Special Terms and Conditions are

based on the Bank’s understanding of currentlaw and the Treasury Regulations and may besubject to change in the future.

3. Applications3.1 The Account can be opened at any Danske

Bank branch in Northern Ireland or if theperson with Parental Responsibility is over18, by telephoning the branch.

3.2 In order to open an Account, the AccountHolder must be an Eligible Child. Theapplication to open a JISA can only be madeby a person aged 16 or over. Where theEligible Child is 16 or 17, either the EligibleChild or a person with parental responsibilityfor the Eligible Child can apply to open theAccount. If the Eligible Child is under 16 onlya person with parental responsibility canapply to open the Account. The declarationand authorisation as set out in the AccountAgreement, or Transfer Account Agreement,as applicable must be completed by theperson opening the Account.

3.3 If the Account is opened by someone who hasparental responsibility for the Eligible Child,this person will be the Registered Contactfor the Account.

3.4 If the Account is opened by an Eligible Childaged 16 or 17 years, they will be theRegistered Contact for the Account. Whenan existing Account Holder attains the age of16 he/she can apply to be the RegisteredContact on the Account (unless the Account

Holder is suf fering from a mental disorder).Consent of the existing Registered Contactis not required. Once the Account Holder isthe Registered Contact, this cannot bepassed to another person.

3.5 Subject to Clause 3.4, the role of RegisteredContact can be passed to another personwho has parental responsibility for theEligible Child. To ef fect this change writtenconsent will be required from the existingRegistered Contact and a Registered ContactApplication will need to be submitted to theISA Manager. This application will beef fective from the date the ISA Manageraccepts it as complete and correct andconsent of the existing Registered Contacthas been obtained.

3.6 The Registered Contact is the only personwho can give instructions to Us on theoperation of the Account. Once the EligibleChild attains the age of 18, We will contactthem directly to obtain their instructionswith regards the operation of the Account.

3.7 There may only be one Registered Contact onthe Account at any one time.

3.8 The Registered Contact will be issued withall statements and correspondence relatingto the Account.

3.9 An Account cannot be opened in joint names.3.10 If the Eligible Child has a National Insurance

Number this will need to be provided atAccount opening.

3.11 The Bank may accept applications completedby and act on instructions received fromsomeone legally appointed or authorised toact on behalf of the Account Holder if the

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Account Holder is not able to complete theAccount Agreement by reason of mentaldisorder or incapacity, physical disability, orillness and the Bank has seen the documentand is satisf ied that it authorises the personto act on behalf of the Account Holder.Unless otherwise required by TreasuryRegulations, the Account will be opened inthe name of the incapacitated person.

3.12 This agreement is constituted by a dulysigned Account Agreement, or TransferAccount Agreement, and these SpecialTerms and Conditions will come into ef fectonce the Account Agreement, or TransferAccount Agreement, has been accepted bythe Bank. However, the Account will not beconsidered opened until the Bank hasreceived the f irst subscription or paymenthas been transferred from the old ISAmanager, as applicable, to the Account.

3.13 The Bank reserves the right to refuse toopen an Account, or accept a transfer in,without stating any reason.

4. Subscriptions (Payments to the Account)4.1 Subscriptions to the Account must be made

by means of a sum or sums paid directly tothe Bank. The minimum initial subscription tothe Account is £25 (Twenty f ive poundssterling) which must be lodged to theAccount on Account opening.

4.2 Any subscriptions made to the Account are agift to the Account Holder and cannot berepaid.

4.3 Subscriptions to the Account in Tax Yearsfollowing that in which it is opened, can be


made in accordance with any requirementsof the Treasury Regulations.

4.4 A subscription to the Account for any TaxYear must be received by the Bank before theend of that Tax Year. See the Payment Tablein the General Terms and Conditions formore information on the date of receipt of apayment into the Account.

4.5 Payments into the Account can be made atthe counter of any branch of the Banksituated in Northern Ireland, by telephoningthe branch, by post or by electronic transfer(including through Our eBanking Service)subject to the appropriate JISA subscriptionlimits.

4.6 Any cheque paid into the Account which issubsequently returned unpaid will be debitedfrom the Account. Any interest paid on theamount of the returned cheque may also bedebited from the Account.

4.7 Subscriptions may be discontinued to theAccount either temporarily or permanentlywithout penalty and without prejudice to thecontinuation of the Account.

4.8 Total subscriptions to the Account during aTax Year may not exceed the annual JISAsubscription limit. Any amounts received bythe Bank in excess of the subscription limitwill be returned.

4.9 If We refuse to accept a payment into theAccount We will, where possible, attempt tocontact the Registered Contact explainingOur reasons.

5. Withdrawals Withdrawals can only be made from the

Account in the following circumstances:

5.1 Where the Registered Contact has made aterminal illness claim on behalf of theEligible Child and this has been authorised bythe HMRC. The Registered Contact will needto obtain written permission from the HMRCto access the funds in the Account. If theHMRC agree that the funds can bewithdrawn from the Account, the RegisteredContact must provide the Bank with thisletter prior to any withdrawals beingpermitted. In these circumstances the fundsin the Account can be withdrawn in full/part,in cash or transferred directly to theRegistered Contact.

5.2 On closure of the Account.

6. Interest6.1 Credit Interest is payable as set out in our

‘Interest rates’ leaf let. Our savings accountscan be compared on Our Website or byrequesting information from a Branch.

6.2 Subject to Clause 6.3, Credit Interest paid to aJISA is tax-free.

6.3 (a) If subscriptions are to be voided or repairedin accordance with Clause 11, the relevantinterest paid or credited on or after 6 April2016 will not be taxed. Interest paid orcredited before this date will be taxed at thebasic rate where appropriate.

(b) In the event of the Eligible Child’s death, inaccordance with Clause 12, the relevantinterest paid or credited on or after 6 April2016 will not be taxed.

Depending on Your personal circumstancesYou may be liable to pay income tax on anycredit interest that You receive - howeverthis will not be deducted at source.

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6.4 Where necessary, We can vary the CreditInterest payable on the Account. We canincrease the Credit Interest payableimmediately and inform the RegisteredContact about the change on the nextstatement. Subject to Clause 6.5, if Wedecrease the Credit Interest payable We willalways give the Registered Contact at least14 days’ written notice before the changetakes ef fect.

6.5 If the balance in the Account is less than£100 We will not send the RegisteredContact notice of a decrease in the CreditInterest payable under Clause 6.4.

Transfer of JISAs

7. Transfers Out7.1 Subject to Treasury Regulations the

Registered Contact may at any time transferto another ISA manager:• the whole Danske Junior Cash ISA to

another Junior Cash ISA; or• whole/part of the Danske Junior Cash ISA

to a Junior Stocks and Shares ISA(current year’s subscriptions must betransferred in full) within such time asshall be agreed with the ISA Manager,provided that the new ISA manageragrees to accept the transfer and isapproved by HMRC to act as an ISAmanager.

7.2 We will transfer the JISA within 5 BusinessDays from the date We receive theRegistered Contact’s written instruction andconf irmation from the new ISA manager thatthey are prepared to accept the transfer.


7.3 We will transfer to the new ISA manager thesubscriptions specif ied in the transferinstruction together with all requiredinformation and, where appropriate, all rightsand obligations relating to the Junior CashISA. For the avoidance of doubt thecompletion of the transfer in accordancewith the ISA Regulations shall not act so asto prohibit the Registered Contact frombringing any claim for any act or omissionagainst the ISA Manager which occurredprior to the transfer date.

8. Transfers In8.1 The Registered Contact may transfer in

funds from:• a JISA with another ISA manager; or• a CTF with a CTF manager

subject to and in accordance with the Treasury Regulations.

The transfer in of funds may only be in theform of cash from the old manager.

To arrange a transfer, the Registered Contactmust complete a Transfer AccountAgreement and a Transfer Authority Form.The Registered Contact applying for thetransfer must also be the Registered Contacton the account being transferred.

8.2 For a Transfer in from a JISA or a CTF withanother manager, the Account Holder doesnot have to be resident in the UK, or be a UKCrown servant, married to or in a civilpartnership with a Crown servant, or adependent of a Crown servant.

8.3 Subject to Treasury Regulations the ISAManager can only accept written requestsfor transfers in to the Danske Junior CashISA of:• a whole Junior Cash ISA held with

another ISA manager; • the whole/partial transfer of a Junior

Stocks and Shares ISA held with anotherISA manager, provided the AccountHolder does not hold a Junior Cash ISAwith another ISA manager. Current Yearsubscriptions must be transferred inwhole; or

• a whole CTF with a CTF manager.

9. Cancellation 9.1 The Registered Contact can withdraw the

application for the Account at any timebefore the f irst subscription is made.

9.2 The Registered Contact will have 14 days tocancel the Account from the day after thedate that the Account was opened, or thedate the Registered Contact received theterms and conditions, whichever is later. TheAgreement can be cancelled by contacting aDanske Bank branch in the UK or by writingto the ISA Manager at Danske Bank, DonegallSquare West, Belfast, BT1 6JS. The Accountwill not incur any additional charges or beaf fected by any notice periods in respect ofcancellation rights. We will send a chequemade payable to the Eligible Child to theRegistered Contact for any cancelledsubscription(s) together with any interestdue on the cancelled subscription(s).

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9.3 If a JISA is transferred from another ISAmanager to a new Danske Junior Cash ISAaccount and You wish to cancel this transfer,You will have the same cancellation rights asset out in Clause 9.2. If the RegisteredContact exercises the right to cancel theAccount, We can transfer the JISA back tothe old ISA manager (if they consent to thetransfer) or to another ISA manager.

9.4 There is no right to cancel a transfer in fromanother ISA provider to an existing DanskeJunior Cash ISA.

10. Assignment and Delegation10.1 The Account may not be assigned by the

Registered Contact or the Eligible Child toany other person.

10.2 The ISA Manager may appoint in its placeany company (which has received approvalfrom HMRC to act as an ISA manager) asmanager of the Account at any time(including without limitation, prior to theAccount being opened) and shall thentransfer all benef its, duties and obligationsunder the General Terms and Conditions –Personal Accounts and these Special Termsand Conditions to that appointee. Whererequired by the Treasury Regulations the ISAManager will give the Registered Contactnotice of the transfer.

10.3 The ISA Manager may delegate any of itsfunctions and responsibilities under theterms of its appointment to another person,and may provide information about theAccount Holder and/or the RegisteredContact and the Account to any such person,


provided that the ISA Manager has satisf ieditself that such a person is competent tocarry out those functions andresponsibilities

10.4 If the ISA Manager delegates any of itsfunctions or responsibilities under theseSpecial Terms and Conditions, it must ensurethat such delegate is competent to carry outsuch functions or responsibilities.

11. Repair and Voiding

Repair 11.1 If the JISA is found to be invalid, corrective

action or repair can be taken, if permitted bythe Treasury Regulations.

Voiding11.2 The ISA Manager will notify the Registered

Contact if, by reason of any failure to satisfythe provisions of the Treasury Regulations,the Account or any part of it has or willbecome void.

11.3 If the Account or part of it has become void,We will send a cheque made payable to theEligible Child to the Registered Contact, forany invalid subscription together with anyinterest due on the invalid subscription(s).

11.4 Any payment made under Clause 11.3 will betaxed in accordance with Clause 6.

12. Death The tax benef its of a JISA will cease from the

date of the Eligible Child’s death. The funds inthe Danske Junior Cash ISA together withany accrued interest will remain in the

Account (but without the tax benef its of aJISA) until notif ication of withdrawal isreceived by the ISA Manager from thepersonal legal representatives of the EligibleChild. Subject to such formalities as the ISAManager may specify, the Bank will pay thefunds in the Account together with anyaccrued interest to or to the order of thepersonal legal representatives of the EligibleChild.

13. Closure of a JISA In addition the circumstances in which the

Account can be closed as set out in theGeneral Terms and Conditions - PersonalAccounts (subject to the TreasuryRegulations); the Account can be closed inthe following circumstances:

13.1 On the Bank receiving written notice of thedeath of the Eligible child in accordance withClause 12;

13.2 On the direct instructions from HMRC, wherethe JISA is void in accordance with Clause11;

13.3 When the Eligible Child attains the age of 18;13.4 Where the ISA Manager becomes aware that

the child was not an Eligible Child when theAccount was opened;

13.5 Where all the funds in the Account havebeen withdrawn due to terminal illness inaccordance with Clause 5.1;

13.6 Where all the funds in the Account havebeen transferred to another ISA manager inaccordance with Clause 7;

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16. 24 Hour Telephone Banking and eBanking Provision of Our 24 Hour Telephone Banking

Service is not available on the Account .

The Registered Contact may view but notoperate the Account using Our eBankingService, subject to the Special Terms andConditions of this Service.

Details are available on request.

17. Using the Services of a Third Party Provider(TPP) to access the Account

You may not access the Account using theservices of a TPP since the Account is not apayment account under the PaymentServices Regulations 2017.

13.7 When the Eligible Child attains the age of 18,the Account will convert to a Danske CashISA in the Eligible Child’s name and will begoverned by the terms and conditions of thataccount. We will contact the Eligible Child ontheir 18th birthday to discuss their options.The Eligible Child will not be able to makesubscriptions to this Danske Cash ISA untilthey complete the required accountdocumentation for that account.

14. Changes to information previously provided The Registered Contact will notify the Bank

in writing and without delay of any change tothe information previously provided on theAccount Agreement, Transfer AccountAgreement or otherwise, and will supply theISA Manager with all the information whichthe ISA Manager reasonably requests for thepurposes of carrying out its obligations inrespect of the Account.

15. Instructions, Notices and Requests15.1 The Bank will comply with the Registered

Contact’s requests except where the Bankbelieves that such compliance may beimpracticable or might contravene theseSpecial Terms and Conditions or anyapplicable law, rule or regulation.

15.2 The Registered Contact acknowledges thatthe ISA Manager will provide HMRC with anyinformation about the Account and theAccount Holder that is required to beprovided by the Treasury Regulations.


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Sect ion 9

Special Terms and Conditions for Danske 3D Secure

(b) You must ensure that Your Mobile Phone canreceive SMS at the time of Your purchase.

(c) When You use Danske 3D Secure topurchase on the internet from a participatingorganisation You will be presented with anelectronic receipt and the One-TimePasscode will be sent automatically to YourMobile Phone. The receipt will include detailsof Your internet purchase or order, such asstore name, purchase amount and date. Youwill be asked to sign the receipt by enteringYour One-Time Passcode and click 'Submit' toproceed with the purchase. Without YourOne-Time Passcode, the internet purchasecannot take place at participatingorganisations. If the One-Time Passcode isentered incorrectly three timesconsecutively You will not be able to proceedwith the purchase. If You do not receive theOne-Time Passcode automatically You mayask for the One-Time Passcode to be sent toYou again. You can make three requests forthe One-Time Passcode to be sent to You.

(d) If You change Your Mobile Phone Number orYour address (including Your Email Address)You must notify Us immediately to ensurethat Our records are up to date. Noticesunder this condition should be sent to Us asset out in the ‘Notices and communication’condition of the General Terms andConditions applicable to Your Account.

(e) You will be responsible for any fees orcharges imposed by Your mobile phoneservice provider in connection with Your useof Danske 3D Secure.

"Email Address" means a current valid emailaddress.“Mobile Phone” means the mobile telephonedevice which You use to receive the One-TimePasscode.“Mobile Phone Number” means the Mobile Phonenumber which We hold with Our contact details forYou or as notif ied by You to Us in accordance withCondition 2(d) below.“One-Time Passcode” means the six digitpasscode sent to Your Mobile Phone Number viaSMS.“SMS” means SMS text messages sent to YourMobile Phone Number. "We", "Us" and "Our" or "the Bank" mean NorthernBank Limited having its registered of f ice addressat Donegall Square West Belfast (registerednumber R568). Danske Bank is a trading name forNorthern Bank Limited."Website" means danskebank.co.uk"You", "Your" and "Yours" mean the Cardholder whohas registered for Danske 3D Secure under thisagreement with Us.

2. Using Danske 3D Secure(a) Your Card is automatically enrolled for use

with the Danske 3D Secure service. YourMobile Phone Number must be recordedwith Us before You can use this service.When You use Danske 3D Secure, You agreethat these terms and conditions will apply inrelation to Your use of Your Card when Youmake a purchase or place an order withparticipating organisations using Your Cardon the internet. These terms and conditionsare in addition to the terms and conditionsfor Your Account.

These are the Special Terms and Conditions that willapply to Danske 3D Secure.

Danske 3D Secure is provided by Us in associationwith Mastercard SecureCode™ or MastercardIdentity Check™. Danske 3D Secure is a secureway of using Your Card to make purchases on theinternet with participating organisations. WhenYou use Danske 3D Secure We are able to verifyYour identity. We do not verify the identity of anyorganisation that You contract with on the internetnor do We make any statement about the goods orservices of any participating organisations thatYou choose to place an order with or make apurchase from.

1. Def init ions"Account" means the Danske account which Youhold with Us on which the Card is issued, theDanske Mastercard credit card account or theDanske Mastercard Corporate card account whichthe Account holder holds with Us.“Card” means a Debit Mastercard card,Mastercard Debit card, Mastercard credit card orMastercard Corporate card (as appropriate) thatWe have issued to the Cardholder for use withYour Account. The Card may or may not bear theContactless Indicator.“Cardholder” means, for each Card, the person towhom We issue a Card at the Account holder’srequest."Danske 3D Secure" means the service of fered byUs, subject to these terms and conditions, for Youto use when You make a purchase or place anorder on the internet with Your Card.

115


(g) to ensure that Our business as a whole isprof itable and that Our product range andcharging structure enables Us to achieve Ourbusiness and strategic objectives (which areset internally) - provided that any suchchange is reasonable and does not result inan Account Holder being treated unfairly;

(h) to make these General Terms and Conditionsor any Special Terms and Conditions fairer orclearer for You provided that any suchchange does not materially alter theAgreement that You have entered into withUs;

(i) To make changes and improvements to Ourproducts, services or charging structureswhere the changes are of benef it to You orwhere the changes make it easier for You tomanage Your Account; or where the changesprovide You with alternative or more costef fective ways to manage Your Account;

(j) to ref lect changes made by the relevant Cardauthentication scheme provider (MastercardSecureCode™ or Mastercard IdentityCheck™);

(k) For a reason not set out herein but otherwiseexpressly notif ied to You in writing providedthat the reason is a reasonable response tothe underlying reason and strikes a fairbalance between Our legitimate interestsand Your own interests.

4.4 In the event of any change in applicable lawor regulation, or in other circumstancesoutside Our control, We may give a shorterperiod of notice as We consider, onreasonable grounds, to be justif ied.

take ef fect on the date indicated. If You doobject to the changes, then You have theright to terminate this agreement withouthaving to pay any extra fees or servicecharges.

4.3 The changes referred to in Condition 4.1 willbe made for one or more of the followingreasons:

(a) by agreement with You;(b) to ref lect the introduction or development of

new systems, methods of operation, servicesor changes in technology (including expectedchanges) provided that the change is areasonable response to the underlyingreason for the change;

(c) to maintain or improve operating conditionsor service levels;

(d) to ref lect the genuine increased costs ofproviding Your Account, including forexample the cost of introducing, developing,running and/or maintaining systems andservices;


(f) to respond reasonably to legal or regulatorychanges. This would include:· Changes in general law or decisions of

the Financial Ombudsman Service,· Changes in regulatory requirements,· Changes in industry guidance and codes

of practice which raise standards ofconsumer protection;

3. Security(a) We do not verify the identity of any

participating organisations nor make anystatement about their goods or services orwhether You should contract with them.

(b) The One-Time Passcode will only be valid forthe purchase You have received it for. You areresponsible for maintaining theconf identiality of Your One-Time Passcode.You must not give Your One-Time Passcodeto anyone else.

(c) If You think that there may have been anunauthorised internet transaction on YourAccount You must notify Us immediately inaccordance with the terms and conditionsfor Your Account.

(d) We can stop You using Danske 3D Securewhere We have a right under the Terms andConditions for Your Account or Card torefuse or stop a payment on Your Account.

4. Changing the terms and condit ions4.1 We may at any time, for any reason set out in

Condition 4.3 below make any change tothese Danske 3D Secure terms andconditions.

4.2 We will give You at least two months' writtennotice (which will be sent to You by letter orelectronically where You have registered toreceive documents through electronicmailbox) before the change is made. Once Wehave given You notice of the proposedchanges, if You do not tell Us that You objectto the changes, before the date on which theyare due to come into ef fect, then they will

116


be a breach of security or against the law),We will only end this Agreement after Wehave given You notice of Our intention to doso. If it is not possible to contact You inadvance to tell You of Our intention to endthis Agreement We will notify You as soon aspossible thereafter.

7. Your liability You agree that, when making a payment using

Your Card, an instruction using Your One-Time Passcode will be treated by Us as Yourconsent to comply with that instruction andWe will treat it as a valid and irrevocableinstruction to Us. You are responsible for allinstructions sent using Your One-TimePasscode. You are responsible for ensuringthat You keep Your One-Time Passcodesecure as set out in Condition 3 above.Further information about Your liability andOur liability in relation to the use of YourCard is set out in the Terms and Conditionswhich apply to it.

8. Use of Your information Details of how We use Your personal

information are available in Our leaf let “Howwe use your personal and businessinformation”. Copies of this leaf let areavailable in Our branches and on OurWebsite at danskebank.co.uk/docs.

(iii) You have failed, within a reasonableperiod of time, to provide Us withinformation which We may reasonablyexpect You to provide to Us in connectionwith the operation of Your Account;

(iv) to comply with any changes in law orregulation, including decisions of thecourts or Financial Ombudsman;

(v) to ensure that Our business is prof itableand competitive and that Our productrange enables Us to achieve Our businessand strategic objectives;

(v i) for any other valid reason – provided thatthe closure of Your Account is aproportionate and reasonable responseto the underlying reason.

(b) We can end this Agreement and closeYour Account immediately if You becomebankrupt, You or any AdditionalCardholder break the terms of thisAgreement or where there is ajustif iable, f inancial or legal reason to doso, for example, if:

(i) You act, or are suspected of acting,fraudulently or with negligence;

(ii) You act in an abusive or threateningmanner towards the Bank's staf f; or

(iii) the Bank suspects that there is a threatto the security of its systems.

If We end this Agreement for any of thereasons set out in Condition 6.1 (b) wherereasonably possible (and where it would not

4.5 If any of the foregoing provisions of thisCondition 4 is or becomes invalid, illegal orunenforceable such invalidity, illegality orunenforceability will not af fect the remainingprovisions.

5. Availability of Danske 3D Secure We try to give a complete service at all

times but do not guarantee it. We will not beresponsible to You under these Terms andConditions where any failure on Our part isdue to (a) abnormal or unforeseeablecircumstances beyond Our control, theconsequences of which would have beenunavoidable despite all Our ef forts to thecontrary or (b) Our obligation to comply withany other provisions of applicable laws.

6. Ending Your Danske 3D Secure serv ice6.1 (a) Without prejudice to Condition 3(d) We

can end Your use of Danske 3D Secure bygiving You two months' written notice.We can do this for one of the followingreasons:

(i) We have reasonable grounds to believethat You are no longer using the Account;

(ii) We, acting reasonably, are dissatisf iedwith the way that You are operating theAccount. This could arise for examplewhere the amount of time that We haveto spend on the administration of YourAccount exceeds what We wouldconsider to be reasonable;

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9. General9.1 We will communicate with You in English.9.2 We are committed to providing a high

standard of service. If You are not satisf iedwith any aspect of Our service then We haveprocedures in place to deal with Yourconcerns. For more information, please askfor a copy of Our leaf let “Putting things rightfor you”.

10. Governing law This Agreement is governed by the laws of

Northern Ireland, Scotland or England andWales, depending on where You live, asshown on Our records and Your statements.Disputes arising out of or relating to thisAgreement not settled to the parties'satisfaction are subject to the non-exclusivejurisdiction of the courts of Northern Ireland,Scotland or England and Wales, againdepending on where You live, as shown onOur records and Your statements.


118

Sect ion 10

Special Terms and Conditions for Personal Current Accounts (Off Sale)

4. With a Danske 24/7 Package You mustcontinue to agree to receive Your statementselectronically.

5. If You cease to comply with the requirementsfor a Danske 24/7 Package, We may closeYour Account (and any products or serviceswithin the Danske 24/7 Package) by givingYou at least two months’ notice or transferany balance in Your Account to anotheraccount in Our current account range whichWe will open in Your name. The Terms andConditions which will apply to Your newaccount will be advised to You when We openthe account for You.


eBanking. 6.2 Where You are registered for eBanking, You

can access the Account using TPP services.

Principal Account 1. The Account is no longer available to new

customers.

2. You may apply for a Debit Mastercard Cardto be issued to You. Availability of the Card issubject to status. Use of the card is subjectto the Special Terms and Conditionsapplicable to the Card.

Danske Choice Plus1. The Account is no longer available to new

customers.

2. If You are an existing Danske Choice Pluscustomer, You may open an additionalDanske Choice Plus current account in thesame name.





Danske 24/71. The Account is no longer available to new customers.

2. If You are an existing Danske 24/7 customer,You may open an additional Danske 24/7current account in the same name.


Special Terms and Condit ionsPersonal Current Accounts (of f sale)


Danske Prestige Account1. The Account is no longer available to new

customers.

2. If You are an existing Danske Prestigecustomer, You may open an additionalDanske Prestige current account in the samename.





119

Special Terms and Conditions for Personal Current Accounts (Off Sale)







Current Account Plus 1. The Account is no longer available to new

customers.





CashMaster Account 1. The Account is no longer available to new

customers.

2. No cheque book facility is available on theCashMaster Account. Clause 10 of theGeneral Terms and Conditions – PersonalAccounts is not applicable to theCashMaster Account.

3. You may apply for a Debit Mastercard DebitCard to be issued to You. Availability of theCard is subject to age and status. Use of theCard is subject to the Special Terms andConditions applicable to the Card.




Current Account Personal1. The Account is no longer available to new

customers.

2. No Credit Interest is payable on this Account,See Our ‘Interest rates’ leaf let.





ChequeMaster Account 1. The Account is no longer available to new

customers.


120

Sect ion 11

Special Terms and Conditions for Personal Savings Accounts (Off Sale)

construed as the date when You made thefirst lodgement to the Account as set out inClause 1.2 above.

3. Paying Money into the AccountYou can pay money into the Account by anyof the following means:• By internal transfer from another

Account that You hold with Us usingOur eBanking service, or providing Uswith an instruction in Branch or bytelephone;

• By lodging funds at one of OurBranches. We reserve the right torestrict the number of lodgements thatYou can make using Our Branchcounters;

• By electronic funds transfer from aSterling Account that You hold withanother UK f inancial institution. (If Youmake a lodgement by CHAPS Ourstandard fee will apply.)

Depending upon the method that You use topay money into Your Account We may notbe able to warn You each time that oncefunds are lodged to Your Account Youcannot withdraw those funds until after Youhave given Us notice as required by Clause4.

4. Taking Money out of Your Account4.1 Subject to this Clause 4, You cannot take

money out of Your Account unless You havegiven Us 95 calendar days’ notice beginningon the day that the notice is received by Us.

1.2 You must make a minimum lodgement of£2,000 to open the Account. The f irstlodgement to the Account must be a singlepayment of at least £2,000. We will giveYou 14 calendar days, starting on the datethat We give You the Sort Code andAccount Number for the Account, to makethe f irst lodgement. After that date We willclose the Account if You have not made theminimum lodgement.

1.3 You can open a maximum of one Accounteither in Your sole name or in Your jointname with another party.

1.4 The maximum balance permitted in theaccount is £250,000, excluding creditinterest. Any funds lodged over this limit willbe rejected or returned to You.

1.5 Subject to Clause 1.4, You may open anAccount:• By visiting one of Our Branches;• By telephoning Us; or• By completing the webform on Our

Website at danskebank.co.uk/midas-notice and following the instructions tosubmit the completed form to Us.

1.6 The Account can be opened in sole or jointnames. If You are making a joint applicationand there are more than 2 parties to theAccount You must open the Account byvisiting one of Our Branches.

2. Your right to cancelClause 23 of the General Terms andConditions – Personal Accounts will apply.References in that Clause to the “day ofconclusion of the contract” shall be

Special Terms and Condit ions forPersonal Sav ings Accounts (of f sale)


Danske Midas Notice Account

DefinitionsThe Definitions set out in the Bank’s GeneralConditions – Personal Accounts will apply. Inaddition the following definitions apply to theseSpecial Terms and Conditions:

‘Account’ means a Danske Midas Notice Accountopened by the Account Holder with Us under theseSpecial Terms and Conditions. An Account can beopened and operated in sterling only.

‘Business Day’ means a Monday, Tuesday,Wednesday, Thursday or Friday which is not a bankor other public holiday and on which the Bank isnormally open for business.

1. Opening an Account1.1 The Account is available to personal

customers aged 50 years or over. AllAccount holders must be aged 50 years orover. The Account must be conducted inSterling currency only.

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Where the 95th day does not fall on aBusiness Day, the withdrawal will becompleted on the next Business Day afterthe 95 calendar day notice period hasexpired.

4.2 You must provide notice to Us:i) by filling in and returning the Notice

Account Withdrawal form available atany of Our Branches;

(ii) by creating a withdrawal instruction ineBanking;

(iii) by telephoning Us. The notice must state:- The Sort Code and Account Number into

which the funds are to be paid.- The amount that You wish to withdraw

(there is no minimum amount).4.3 You are responsible for ensuring that You

provide Us with the correct Sort Code andAccount Number for the Receiving Account.If You provide Us with an incorrect Sort Codeor Account Number We may be unable tomake the payment or the payment may bemade into an incorrect account and You maynot be able to get it back.

4.4 During the notice period You may, no laterthan the close of business on the BusinessDay before the date that the withdrawal isdue to be made:-• Change the details of the Sort Code and

Account Number into which the fundsare to be paid; or

• Cancel a notice to make a withdrawal. You cannot amend (decrease or increase) theamount that You want to withdraw but You

can make further requests to make awithdrawal subject to the requirement, inrespect of any such further request, toprovide Us with a minimum of 95 days’notice and to comply with these SpecialTerms and Conditions.

4.5 We will not make a payment out of YourAccount other than by electronic fundstransfer.

4.6 Where We hold Your mobile phone numberWe will send You an SMS (text) messageeach time you request a withdrawal andanother SMS (text) message once eachwithdrawal has been made from YourAccount. If You change Your mobile phonenumber, You must inform Us immediately.

4.7 We will permit an immediate withdrawalfrom the Account, without the need for 95days’ notice where one of the AccountHolders has died. We will only make apayment under these circumstances whereWe have received evidence of death. In linewith Our usual policy and procedures, Wemay also require a copy of the Grant ofProbate or Letters of Administration.

5. Closing Your AccountIn order to close Your Account You mustcontact Your branch. Where the Account hasa credit balance, You must provide notice forwithdrawal and notice for closure in thesame way as set out in Clause 4.

6. Interest Rate6.1 The rate of interest that applies to the

Account is the rate that applies on the datethat We issue the Sort Code and AccountNumber to You (this may be after the dateYou make Your application).

6.2 We can vary this rate of interest at any time.We can increase the interest rateimmediately and inform You about thechange on Your next statement. If Wedecrease the interest rate We will give You109 calendar days’ notice before the changetakes effect (this is the equivalent to 14 daysplus the notice period (95 days) required forwithdrawals). During this 109 day period Youcan ask Us to close the Account but Youmust still comply with the requirements setout in Clause 4, including, for the avoidanceof doubt, the requirement to give Us 95calendar days’ notice. The decrease in theinterest rate will still apply 109 days’ afterthe date that We notify You of the decreasein interest rate even if You have given Usnotice that You wish to close the Account -but the 95 days’ notice period for the closureor withdrawal has not expired.

6.3 We will provide You with a reminder of anydecrease in the interest rate within theperiod beginning 14 days before thedecrease takes effect and ending on the daybefore it takes effect. Where We hold anemail address for You, We will provide Youwith this notice and reminder via email,otherwise We will send You the notice andreminder by post.

6.4 If the balance in Your Account is less than£100 We are not obliged to send You a

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notice of the decrease in interest rate underClauses 6.2 or 6.3.

6.5 Information about the interest rate thatapplies to Your Account is available on OurWebsite, within eBanking, in Our Branchesor by telephoning Us.

6.6 Interest is calculated on a daily basis andcredited to Your Account once each year onthe date set out in the ‘Interest rates’ leaf let.You can ask Us to pay the interest from YourAccount into another Account that You holdwith Us.

7. eBankingYou may access the Account in eBankingwhere You can:-- View Your balance and transaction

details; - You may give Us notice that You wish to

make a withdrawal from the Account; - You can also view an existing withdrawal

request, amend the Sort Code andAccount Number into which withdrawnfunds are to be paid or cancel existingwithdrawal instructions as set out inClause 4.

8. Using the services of a Third Party Provider(TPP) to access the AccountYou may not access the Account using theservices of a TPP since the Account is not apayment account under the PaymentServices Regulations 2017.

9. VariationWe may change the terms and conditions forthe Account by giving You 109 days’ notice.We can change the terms and conditions forany of the reasons set out in Clause 27 ofthe General Terms and Conditions – PersonalAccounts. We will also communicate thechanges to You in the way set out in Clause27. If You do not agree to the change thenYou can close Your Account but You muststill comply with the requirements set out inClause 4 of these Special Terms andConditions.

10. StatementsWe will provide statements of account toYou as set out in Clause 18 of the GeneralTerms and Conditions - Personal Accounts.If there are no payment transactions onYour Account, statements will be providedat the end of June and December each year.

SaverPlus Account1. The account is no longer available to new

customers.

2. A minimum balance of £1 (one poundsterling) is required to be maintained on YourSaverPlus Account at all times. There is nomaximum limit to the amount of funds Youcan invest.

3. If You are aged 11 years old or more You mayapply for a Debit Mastercard Card to be

issued to You. Availability of the Card issubject to age and status. Use of the Card issubject to the Special Terms and Conditionsapplicable to the Card.



5. You may operate the Account using OureBanking services, subject to the SpecialTerms and Conditions of that service. Detailsare available on request. Not all of thefacilities of fered through Our eBankingservices are applicable to savings accounts.Our eBanking Service is subject to periods ofroutine maintenance.



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Special Terms and Condit ions forTreasury Fixed Term DepositAccount

Def init ionsThe Def initions set out in the Bank’s GeneralTerms and Conditions – Business Accounts apply.In addition the following def initions apply to theseSpecial Terms and Conditions:

“Account” means a Treasury Fixed Term DepositAccount opened by the Account Holder with Usunder these Terms and Conditions. An Account canbe opened in sterling or another acceptablecurrency;

“Conf irmation” means a letter conf irming theamount of the deposit, the Fixed Term of depositand the interest rate which will apply. A Conf irmation is issued on the day the deposit isplaced in the Treasury Fixed Term Deposit Accountand on each subsequent Rollover date;

“Fixed Term” or “Term” means the term which isset out in the Conf irmation letter;

“Maturity Date” means the date on which theFixed Term as set out in the Conf irmation letterends;

“Rollover” means the automatic reinvestment ofthe balance in the Account (including capital andinterest) on the Maturity Date on the basis of theterms set out in the Conf irmation letter which isissued to You at the Maturity Date. Rollover will

apply unless We receive Your contrary instructionsin accordance with Clause 3.5 of these Terms andConditions;

“Serv ice Account” means an account from Ourbusiness current account range or a BusinessInvestment Account that You hold with the Bank inYour name(s). You will be required to maintain aService Account for the duration of the TreasuryFixed Term Deposit Account.

1. Opening an Account1.1 The Account is available to business

customers including sole traders,partnerships, clubs, associations, charities,churches, trusts, societies, limitedcompanies, unlimited companies, limitedpartnerships and limited liabilitypartnerships who are running a designatedbusiness.

1.2 You may only open an Account at a Branch.

2. Cancellat ion rights2.1 Cancellation rights under the Financial

Conduct Authority (FCA) Banking Conduct ofBusiness Rules do not apply to the Account.

2.2 You have no right to cancel once the FixedTerm has commenced.

3. Operation of the Account3.1 The Account is available for a Fixed Term of

either:(a) overnight;(b) one, two or three weeks;(c) one, two, three, four, f ive, six, seven, eight,

nine, ten, eleven or twelve months or;(d) for any term ending on a specif ied date as

selected by You (subject to a maximumterm of one year).

3.2 The minimum deposit required to open anAccount is £250,000 (two hundred and f iftythousand pounds sterling) or currencyequivalent. There is no maximum limit to theamount of funds You can invest.

3.3 Deposits must be made in cleared fundsfrom Your Service Account (by cash or bytransfer from another account where thefunds have cleared - see Clause 3 in theGeneral Terms and Conditions- BusinessAccounts).

3.4 Deposits are only accepted on the date thatthe Account is opened or on the last day ofthe Term (“the Maturity Date”) if the balancein the Account is rolled over for anotherTerm. Further deposits cannot otherwise bemade to Your Account but You can open morethan one Treasury Fixed Term DepositAccount.

3.5 On the Maturity Date unless You instruct Usotherwise, the balance in the Account(including capital and any interest which hasbeen credited to the Account) will beautomatically reinvested for a new FixedTerm period which will be the same Term asthe previous period. The new interest ratewill be determined on the rollover date. IfYou do not want Us to rollover the balance ofYour Account You must inform the Bankbefore 2pm on the Maturity Date bycontacting Your local branch or RelationshipManager, or by telephoning Danske BankMarkets on 028 9089 1100. You will besent a Conf irmation letter.


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3.6 The minimum balance must not fall below£250,000 (two hundred and f ifty thousandpounds sterling) or currency equivalent. Ifthis happens then the Account will continueto accrue interest at the rate specif ied in theConf irmation but at the Maturity Date,Rollover of the balance in the Account foranother Term will not be permitted and thebalance including any interest accrued willbe automatically transferred to Your ServiceAccount and the interest rates and termsand conditions for Your Service Account willapply.

4. Withdrawals4.1 Withdrawals can normally only be made on

the Maturity Date. In special circumstances,You may apply to close the Account (or makea withdrawal from the Account) before theMaturity Date. If the Bank approves Yourapplication to close the Account (or to makea withdrawal from the Account) the Accountwill be closed (or the withdrawal will bemade from the Account) on the date theapplication is approved. An early withdrawalcharge is payable in the event of earlywithdrawal or closure.

4.2 The early withdrawal charge will consist of afunding cost which is based on movements inthe interest rate market. The earlywithdrawal charge will not exceed theinterest accrued on the amount withdrawn.These costs will be advised to You at thetime and may result in You not achieving theinterest rate that would otherwise have beenpaid.

4.3 In the event of the death of the AccountHolder (or one of them if the Account is ajoint Account), the Account may be closedwithout any early withdrawal fee beingapplied.

5. Interest Rates5.1 Interest rates payable on Treasury Fixed

Term Deposit Accounts are f ixed at the dateof receipt of the initial lodgement andthereafter at each Maturity Date where thebalance on the account is reinvested foranother Term.

5.2 You will be advised of the interest rate whichwill apply to Your Account in theConf irmation letter. This rate will apply forthe Fixed Term.

5.3 Information about current interest rates maybe obtained from Danske Bank Markets inNorthern Ireland by telephoning 028 9089 1100.

5.4 Interest accrues on a daily basis at theagreed rate and is credited to the Account onthe Maturity Date.

6. Statements6.1 Statements for Sterling Treasury Fixed Term

Deposit Accounts will usually be providedhalf yearly by post unless You have opted tohave statements made available through Ourelectronic mailbox service.

6.2 Where a transaction occurs in any month astatement or other notif ication about thetransaction will be sent to You within amonth of the transaction having taken place.

6.3 Statements are not issued for non-SterlingTreasury Fixed Term Deposit Accounts.

Instead You will receive a Conf irmation letter.6.4 Where the Term of Your Treasury Fixed Term

Deposit Account is greater than one month,We will send You a letter 14 days before theMaturity Date to remind You of the date thatYour Account is due to mature.

6.5 You must advise Us immediately if Yourstatement or any Conf irmation letter orother communication from Us contains anyinformation with which You disagree.

7. 24 Hour Telephone Banking and District 7.1 You may view, but not operate, a Sterling

Treasury Fixed Term Deposit Account usingOur District Service, subject to the SpecialTerms and Conditions for that Service.Details are available on request. You cannotview or operate, a non-Sterling TreasuryFixed Term Deposit Account using OurDistrict Service.

7.2 You will not be able to hear about or operatethe Account using Our 24 Hour TelephoneBanking Service.

7.3 Not all of the facilities of fered through OurDistrict Service are applicable to savingsAccounts. These Services are also subject toperiods of routine maintenance.

Please note that We may record or monitorcalls to conf irm details of Our conversations,and for verif ication and quality purposes.

Call charges may vary. Please contact Yourphone company for details.


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8. Variat ion The terms and conditions for Your Treasury

Fixed Term Deposit Account will not bevaried during the Fixed Term. Clause 26 ofthe General Terms and Conditions (BusinessAccounts) is not applicable to the TreasuryFixed Term Deposit Account. In the event ofany change in applicable law or regulation,We reserve the right to vary the terms andconditions of Your Treasury Fixed TermDeposit during the Fixed Term.

9. Third Party Providers (TPPs) You may not access the Account using the

services of a TPP since the Account is not apayment account under the Payment ServicesRegulations 2017.


Correct as at 06/04/2020 28935UK

This publicat ion is also availablein Braille, in large print, on tapeand on disk. Speak to a memberof staf f for details.

Danske Bank is a trading name of Northern Bank Limited which is

authorised by the Prudential Regulation Authority and regulated by

the Financial Conduct Authority and the Prudential Regulation

Authority, Financial Services Register, reference number 122261.

Registered in Northern Ireland R568.

Registered Of f ice:

Donegall Square West

Belfast BT1 6JS

Northern Bank Limited is a member of the Danske Bank Group.

danskebank.co.uk

Terms & Conditions Personal Banking

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