Terms & Conditions
These are the Terms and Conditions that apply to the 2nd Level Current Account and to the Debit Card on the 2nd Level Current Account – download here:
If you intend to set up a Standing Order or a Direct Debit from your Second Level current account, the additional terms and conditions below will apply:
If you are an existing customer who holds an ATM card, these are the Terms and Conditions that apply – download here:
Our Second Level current account terms and conditions brochure is being updated, this brochure is effective from 31 January 2025
Summary of upcoming changes to terms and conditions:
- We have added additional clauses relating to standing orders and direct debits.
- We have amended two definitions about “Account transactions” and “SEPA”.
- We have amended clause 11.2: “You must always ensure that you have enough in your account to complete an account transaction, such as withdrawing cash at an ATM, making a payment with a debit card, making transactions online, if a standing order or direct debit is due to be paid, or completing any transactions initiated through a PISP.”
- We have added an new clause: “We may refuse to pay money from your Account if this would cause it to become overdrawn. We do not have to tell you of this refusal beforehand.”