Common use of Card Transactions Clause in Contracts

Card Transactions. (a) You (and any additional cardholder) may carry out transactions with the card or card number, after we have opened the account, by following any procedures required and you must pay all amounts charged to the account. (b) Any transaction in a foreign currency will be converted to sterling at the Payment Scheme Exchange Rate (the rate provided by Visa, Mastercard or any other payment scheme), at the date of application to the account. For information on exchange rates you can call the number at the end of these General Conditions or visit the website of the payment scheme shown on your card (for example, Visa or Mastercard). (c) Provided you do not exceed the Credit Limit or Advance Limit, you (or any additional cardholder) can use a card to withdraw cash from cash machines up to your daily cash withdrawal limit. This limit applies to withdrawals inside and outside the UK and we may change it from time to time. You will be charged the Cash Fee and interest at the Advances rate for these withdrawals. (d) You and any additional cardholder you have authorised may make Money Transfers and Balance Transfers. If we receive a Balance Transfer or Money Transfer instruction: • before 6pm on a business day, it will reach the other bank or lender on the next business day; • on a non-business day (i.e. the weekend or a bank holiday) or after 6pm on a business day, we will treat it as received on the next business day and it will reach the other bank or lender on the business day after that. Please make sure that you provide us with correct details for the other account, including the credit card number for a Balance Transfer and the account number and sort code for a Money Transfer. If incorrect details are provided for a Money Transfer or Balance Transfer it may not be completed or payment may go to the wrong account. We will make reasonable efforts to recover the payment and may charge you our reasonable costs. If we are unable to recover the payment, you can ask us to send you available information on it so that you can attempt recovery. Where correct details are provided, but there is an error in making the Money Transfer or Balance Transfer: • you must tell us about this without undue delay and in any event no later than 13 months after the date on which the transaction was debited to your account by calling the number at the end of these General Conditions; • you can ask us to investigate what has happened to the payment; • if the error is our fault, we will refund the amount of the payment, plus any extra interest and charges that you incur on your accounts as a result; and • if the payment arrives late, you can ask us to request that the other bank or lender treats it as made on time (this may require them to refund interest and charges incurred on the account receiving the payment). (e) A transaction is authorised where you (or an additional cardholder): • follow the procedures required by the merchant, which may include: – entering the PIN or providing any other security code; – signing a sales voucher; – providing any details requested; – using a card reader; or – using a contactless payment unit. • use a card and PIN to obtain an Advance at a machine or bank counter; • provide the card details to us to request a Balance Transfer, Advance, or Money Transfer; • give a completed promotional cheque bearing the card details to any person; • orally or in writing consent to the transaction after it has taken place; or by any other means we tell you are available. Authorisation can cover single transactions or Recurring Transactions, or a future transaction of a certain or uncertain amount. (f) We may refuse a transaction if: • we suspect the card has been lost or stolen; • processing the transaction would break the terms of this Agreement; • you have broken the terms of this Agreement in a serious way; • you would go over your Credit Limit or Advance Limit (taking account of any amounts yet to be applied); • we believe your account is being used for illegal purposes (such as money laundering); • we believe there has been fraud on your account or it is at risk of someone using it to make a fraudulent or unauthorised transaction; • we reasonably believe that you (or an additional cardholder) did not authorise the instruction; • the merchant involved falls within a category that we have determined poses a high risk of not providing the goods or services you are expecting; • as a result of a change in the way you operate your account or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments; • you use a service that we offer to restrict transactions of that type or to suspend your card. If we refuse a transaction, we will, if possible, give you the reason for the refusal and you may be able to correct any information which led to it. You can obtain this information about the refusal by calling the number provided at the end of these General Conditions. We may also tell you orally or in writing. (g) Generally, once authorised, a transaction cannot be stopped, although we may be able to stop it if we receive satisfactory evidence that it has been cancelled. You may cancel Recurring Transactions either by telephoning us on 0370 333 9091 or by contacting the merchant, in each case by the end of the business day before the next transaction is due to be made. If you request us to cancel Recurring Transactions, we advise that you should also give notice of the cancellation to the merchant because such cancellation does not affect any continuing obligation you may have to the merchant. (h) If you use your card to pay a merchant, we will only make the payment when we receive the request from the merchant’s bank. This means there may be a delay between using your card to make a payment and the transaction appearing on your account. The transaction will show on your account within one business day of us receiving the request for it. (i) If you have received unsatisfactory goods or services paid for with your card, costing over £100 but not more than £30,000, or if a merchant has otherwise broken their agreement with you or misrepresented these goods or services, you may have a claim against us as well as the merchant under section 75 of the Consumer Credit Act 1974. (j) We do not guarantee that a card or card details will be accepted. We are not liable if any merchant or machine fails to let you (or an additional cardholder) pay or withdraw cash or we cannot provide any part of our service for a reason beyond our control. (k) You may sometimes use your card to authorise a transaction where the amount to be paid is not known, for example when you check into a hotel or hire a car. If this happens you should be asked to confirm the exact amount that will be blocked on your account. If you have agreed that an exact amount can be blocked, we will reduce your available credit and that amount will not be available for you to use. Once we become aware of the amount of the transaction, we will release the blocked funds and restore your available credit. Please note that if you make the payment using a different card or payment method (for example cash), we will not know that payment has been made and it may take us longer to restore your available credit, but we will usually release the blocked funds within 7 days. (l) If you do not know the final payment amount when you authorise a transaction, we will refund you, provided: • the amount of the payment exceeded what you could reasonably have expected to pay (excluding increases resulting from exchange rate fluctuations); • the payment was made in the European Economic Area; and • you ask for a refund within 8 weeks of the date the payment left your account. You won’t be refunded if you gave your consent to the payment directly to us and, at least 4 weeks in advance: • we or the merchant provided you with information about the payment; or • information about the payment was made available to you (for example, at any branch or through online banking). We may ask you for additional information to decide whether you should be refunded. We’ll refund you, or explain why we’re refusing the refund, within 10 business days of your request for a refund or (if we’ve asked you for additional information) within 10 business days of us receiving that information.

Card Transactions. (a) You (and any additional cardholder) may carry out transactions with the card or card number, after we have opened the account, by following any procedures required and you must pay all amounts charged to the account. (b) Any transaction in a foreign currency will be converted to sterling at the Payment Scheme Exchange Rate (the rate provided by Visa, Mastercard or any other payment scheme), at the date of application to the account. For information on exchange rates you can call the number at the end of these General Conditions or visit the website of the payment scheme shown on your card (for example, Visa or Mastercard). (c) Provided you do not exceed the Credit Limit or Advance Limit, you (or any additional cardholder) can use a card to withdraw cash from cash machines up to your daily cash withdrawal limit. This limit applies to withdrawals inside and outside the UK and we may change it from time to time. You will be charged the Cash Fee and interest at the Advances rate for these withdrawals. (d) You and any additional cardholder you have authorised may make Money Transfers and Balance Transfers. If we receive a Balance Transfer or Money Transfer instruction: • before 6pm on a business day, it will reach the other bank or lender on the next business day; • on a non-business day (i.e. the weekend or a bank holiday) or after 6pm on a business day, we will treat it as received on the next business day and it will reach the other bank or lender on the business day after that. Please make sure that you provide us with correct details for the other account, including the credit card number for a Balance Transfer and the account number and sort code for a Money Transfer. If incorrect details are provided for a Money Transfer or Balance Transfer it may not be completed or payment may go to the wrong account. We will make reasonable efforts to recover the payment and may charge you our reasonable costs. If we are unable to recover the payment, you can ask us to send you available information on it so that you can attempt recovery. Where correct details are provided, but there is an error in making the Money Transfer or Balance Transfer: • you must tell us about this without undue delay and in any event no later than 13 months after the date on which the transaction was debited to your account by calling the number at the end of these General Conditions; • you can ask us to investigate what has happened to the payment; • if the error is our fault, we will refund the amount of the payment, plus any extra interest and charges that you incur on your accounts as a result; and • if the payment arrives late, you can ask us to request that the other bank or lender treats it as made on time (this may require them to refund interest and charges incurred on the account receiving the payment). (e) A transaction is authorised where you (or an additional cardholder): • follow the procedures required by the merchant, which may include: – entering the PIN or providing any other security code; – signing a sales voucher; – providing any details requested; – using a card reader; or – using a contactless payment unit. • use a card and PIN to obtain an Advance at a machine or bank counter; • provide the card details to us to request a Balance Transfer, Advance, or Money Transfer; • give a completed promotional cheque bearing the card details to any person; • orally or in writing consent to the transaction after it has taken place; or • by any other means we tell you are available. Authorisation can cover single transactions or Recurring Transactions, or a future transaction of a certain or uncertain amount. (f) We may refuse a transaction if: • we suspect the card has been lost or stolen; • processing the transaction would break the terms of this Agreement; • you have broken the terms of this Agreement in a serious way; • you would go over your Credit Limit or Advance Limit (taking account of any amounts yet to be applied); • we believe your account is being used for illegal purposes (such as money laundering); • we believe there has been fraud on your account or it is at risk of someone using it to make a fraudulent or unauthorised transaction; • we reasonably believe that you (or an additional cardholder) did not authorise the instruction; • the merchant involved falls within a category that we have determined poses a high risk of not providing the goods or services you are expecting; • as a result of a change in the way you operate your account or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments; • you use a service that we offer to restrict transactions of that type or to suspend your card; • the merchant involved falls within a category that we have determined poses a high risk of not providing the goods or services you are expecting, or we determine that the transaction falls within a category that poses a high risk of financial loss to our customers. If we refuse a transaction, we will, if possible, give you the reason for the refusal and you may be able to correct any information which led to it. You can obtain this information about the refusal by calling the number provided at the end of these General Conditions. We may also tell you orally or in writing. (g) Generally, once authorised, a transaction cannot be stopped, although we may be able to stop it if we receive satisfactory evidence that it has been cancelled. You may cancel Recurring Transactions either by telephoning us on 0370 333 9091 907 0010 or by contacting the merchant, in each case by the end of the business day before the next transaction is due to be made. If you request us to cancel Recurring Transactions, we advise that you should also give notice of the cancellation to the merchant because such cancellation does not affect any continuing obligation you may have to the merchant. (h) If you use your card to pay a merchant, we will only make the payment when we receive the request from the merchant’s bank. This means there may be a delay between using your card to make a payment and the transaction appearing on your account. The transaction will show on your account within one business day of us receiving the request for it. (i) If you have received unsatisfactory goods or services paid for with your card, costing over £100 but not more than £30,000, or if a merchant has otherwise broken their agreement with you or misrepresented these goods or services, you may have a claim against us as well as the merchant under section 75 of the Consumer Credit Act 1974. (j) We do not guarantee that a card or card details will be accepted. We are not liable if any merchant or machine fails to let you (or an additional cardholder) pay or withdraw cash or we cannot provide any part of our service for a reason beyond our control. (k) You may sometimes use your card to authorise a transaction where the amount to be paid is not known, for example when you check into a hotel or hire a car. If this happens you should be asked to confirm the exact amount that will be blocked on your account. If you have agreed that an exact amount can be blocked, we will reduce your available credit and that amount will not be available for you to use. Once we become aware of the amount of the transaction, we will release the blocked funds and restore your available credit. Please note that if you make the payment using a different card or payment method (for example cash), we will not know that payment has been made and it may take us longer to restore your available credit, but we will usually release the blocked funds within 7 days. (l) If you do not know the final payment amount when you authorise a transaction, we will refund you, provided: • the amount of the payment exceeded what you could reasonably have expected to pay (excluding increases resulting from exchange rate fluctuations); • the payment was made in the European Economic Area; and • you ask for a refund within 8 weeks of the date the payment left your account. You won’t be refunded if you gave your consent to the payment directly to us and, at least 4 weeks in advance: • we or the merchant provided you with information about the payment; or • information about the payment was made available to you (for example, at any branch or through online banking). We may ask you for additional information to decide whether you should be refunded. We’ll refund you, or explain why we’re refusing the refund, within 10 business days of your request for a refund or (if we’ve asked you for additional information) within 10 business days of us receiving that information.

Card Transactions. (a) You (and any additional cardholder) may carry out transactions with the card or card number, after we have opened the account, by following any procedures required and you must pay all amounts charged to the account. (b) Any transaction in a foreign currency will be converted to sterling at the Payment Scheme Exchange Rate (the rate provided by Visa, Mastercard or any other payment scheme), at the date of application to the account. For information on exchange rates you can call the number at the end of these General Conditions or visit the website of the payment scheme shown on your card (for example, Visa or Mastercard). (c) Provided you do not exceed the Credit Limit or Advance Limit, you (or any additional cardholder) can use a card to withdraw cash from cash machines up to your daily cash withdrawal limit. This limit applies to withdrawals inside and outside the UK and we may change it from time to time. You will be charged the Cash Fee and interest at the Advances rate for these withdrawals. (d) You and any additional cardholder you have authorised may make Money Transfers and Balance Transfers. If we receive a Balance Transfer or Money Transfer instruction: • before 6pm on a business day, it will reach the other bank or lender on the next business day; • on a non-business day (i.e. the weekend or a bank holiday) or after 6pm on a business day, we will treat it as received on the next business day and it will reach the other bank or lender on the business day after that. Please make sure that you provide us with correct details for the other account, including the credit card number for a Balance Transfer and the account number and sort code for a Money Transfer. If incorrect details are provided for a Money Transfer or Balance Transfer it may not be completed or payment may go to the wrong account. We will make reasonable efforts to recover the payment and may charge you our reasonable costs. If we are unable to recover the payment, you can ask us to send you available information on it so that you can attempt recovery. Where correct details are provided, but there is an error in making the Money Transfer or Balance Transfer: • you must tell us about this without undue delay and in any event no later than 13 months after the date on which the transaction was debited to your account by calling the number at the end of these General Conditions; • you can ask us to investigate what has happened to the payment; • if the error is our fault, we will refund the amount of the payment, plus any extra interest and charges that you incur on your accounts as a result; and • if the payment arrives late, you can ask us to request that the other bank or lender treats it as made on time (this may require them to refund interest and charges incurred on the account receiving the payment). (e) A transaction is authorised where you (or an additional cardholder): • follow the procedures required by the merchant, which may include: – entering the PIN or providing any other security code; – signing a sales voucher; – providing any details requested; – using a card reader; or – using a contactless payment unit. • use a card and PIN to obtain an Advance at a machine or bank counter; • provide the card details to us to us, and if required one or more of the following: the payee name, address and date of birth, when you request a Balance Transfer, Advance, or Money Transfer; • give a completed promotional cheque bearing the card details to any person; • orally or in writing consent to the transaction after it has taken place; or • by any other means we tell you are availableavailable – this may include asking you to take extra steps (for example, entering a one-time passcode that we send you) to authorise transactions, including when you pay a merchant. Authorisation can cover single transactions or Recurring Transactions, or a future transaction of a certain or uncertain amount. (f) We may refuse a transaction if: • we suspect the card has been lost or stolen; • processing the transaction would break the terms of this Agreement; • you have broken the terms of this Agreement in a serious way; • you would go over your Credit Limit or Advance Limit (taking account of any amounts yet to be applied); • we believe your account is being used for illegal purposes (such as money laundering); • we believe there has been fraud on your account or it is at risk of someone using it to make a fraudulent or unauthorised transaction; • we reasonably believe that you (or an additional cardholder) did not authorise the instruction; • the merchant involved falls within a category that we have determined poses a high risk of not providing the goods or services you are expectingmust do so to comply with applicable laws and regulations, including those designed to stop fraud on your account; • as a result of a change in the way you operate your account or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments; • you use a service that we offer to restrict transactions of that type or to suspend your card; • the merchant involved falls within a category that we have determined poses a high risk of not providing the goods or services you are expecting, or we determine that the transaction falls within a category that poses a high risk of financial loss to our customers; • the merchant does not provide us with the information we require to verify the transaction (for example the encrypted data we use to verify the use of Chip & Pin; this often occurs in certain foreign jurisdictions). If we refuse a transaction, we will, if possible, give you the reason for the refusal and you may be able to correct any information which led to it. You can obtain this information about the refusal by calling the number provided at the end of these General Conditions. We may also tell you orally or in writing. (g) Generally, once authorised, a transaction cannot be stopped, although we may be able to stop it if we receive satisfactory evidence that it has been cancelled. You may cancel Recurring Transactions either by telephoning us on 0370 333 9091 907 0010 or by contacting the merchant, in each case by the end of the business day before the next transaction is due to be made. If you request us to cancel Recurring Transactions, we advise that you should also give notice of the cancellation to the merchant because such cancellation does not affect any continuing obligation you may have to the merchant. (h) If you use your card to pay a merchant, we will only make the payment when we receive the request from the merchant’s bank. This means there may be a delay between using your card to make a payment and the transaction appearing on your account. The transaction will show on your account within one business day of us receiving the request for it. (i) If you have received unsatisfactory goods or services paid for with your card, costing over £100 but not more than £30,000, or if a merchant has otherwise broken their agreement with you or misrepresented these goods or services, you may have a claim against us as well as the merchant under section 75 of the Consumer Credit Act 1974. (j) We do not guarantee that a card or card details will be accepted. We are not liable if any merchant or machine fails to let you (or an additional cardholder) pay or withdraw cash or we cannot provide any part of our service for a reason beyond our control. (k) You may sometimes use your card to authorise a transaction where the amount to be paid is not known, for example when you check into a hotel or hire a car. If this happens you should be asked to confirm the exact amount that will be blocked on your account. If you have agreed that an exact amount can be blocked, we will reduce your available credit and that amount will not be available for you to use. Once we become aware of the amount of the transaction, we will release the blocked funds and restore your available credit. Please note that if you make the payment using a different card or payment method (for example cash), we will not know that payment has been made and it may take us longer to restore your available credit, but we will usually release the blocked funds within 7 days. (l) If you do not know the final payment amount when you authorise a transaction, we will refund you, provided: • the amount of the payment exceeded what you could reasonably have expected to pay (excluding increases resulting from exchange rate fluctuations); • the payment was made in the European Economic Area; and • you ask for a refund within 8 weeks of the date the payment left your account. You won’t be refunded if you gave your consent to the payment directly to us and, at least 4 weeks in advance: • we or the merchant provided you with information about the payment; or • information about the payment was made available to you (for example, at any branch or through online banking). We may ask you for additional information to decide whether you should be refunded. We’ll refund you, or explain why we’re refusing the refund, within 10 business days of your request for a refund or (if we’ve asked you for additional information) within 10 business days of us receiving that information.