Terms and Conditions Personal Banking

www.danskebank.co.uk

Ef fect ive from 13 January 2018

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

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 4–51

Part 2

Section General Terms and Condit ions 6–451 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 46–49 2 Personal Current Accounts (on sale)

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

Section Special Terms and Condit ions 50–56 3 24 Hour Telephone Banking Serv ice

Section Special Terms and Condit ions 57–67 4 eBanking

Section Special Terms and Condit ions 68–72 5 Electronic Signature

Section Special Terms and Condit ions 73–82 6 Debit Mastercard Personal Cards

Section Special Terms and Condit ions 83–84 7 Automated Deposit Serv ice

Section Special Terms and Condit ions 85–98 8 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– Midas Gold Account– Danske eSaver Account – Danske Fixed Term Deposit– Treasury Fixed Term Deposit Account

Section Key Features and Special Terms and 99–116 9 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 117–121 10 Danske 3D Secure Special Terms and Condit ions for

Danske Text Serv ice

Section Special Terms and Condit ions 122–12311 Personal Current Accounts (of f sale)

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

Section Special Terms and Condit ions 12412 Personal Sav ings Accounts (of f sale)

– SaverPlus Account

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.

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

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.

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 atwww.danskebank.co.uk/docs.

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 atwww.danskebank.co.uk/fscs-personal for more detail.

Things You should know

When 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’s

Sect ion 1

General information

1

requirements 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

2

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/TabletBank Apps

Danske Mobile Bank / TabletBank Apps allows you to readand send messages to andfrom the bank

• Log on to the App• Select ‘Contact’• Select ‘New message’• Select ‘Category of message’• Type message• Send message

Secure communication using Our website atwww.danskebank.co.uk

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

Email us Go to www.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

Days Time Contact numberGeneral Service Monday to Friday 8am to 8pm 028 9004 9221/

Saturday and Sunday 9am to 4.30pm 0345 600 2882eBanking customer support (technical enquiries and questions about how the service works) (see the notes below)

Calls within the UK Monday to Thursday 8am to 8pm 0345 603 1534Friday 8am to 5pmSaturday and Sunday 9am to 4.30pm

Calls from outside the UK Monday to Thursday 8am to 8pm +44 2890 049219Friday 8am to 5pmSaturday and Sunday 9am to 4.30pm

24 hour emergency phone numbers - Lost or stolen cardsMastercard Standard, Mastercard Standard Plus and Mastercard 24/7 0370 850 2481From outside the UK +44 2890 049201Mastercard Gold 0370 850 2482From outside the UK +44 2890 049202Mastercard Platinum and Mastercard Platinum Plus 0370 850 2487From outside the UK +44 2890 049203Visa Standard 0370 850 2481 From outside the UK +44 2890 049201

Debit Mastercard 0370 850 2481

From outside the UK +44 2890 049201

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 www.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, for your protection, to train our staf f and to maintain the quality of our service. Call charges may vary - please refer to your phone

company for more 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. eBanking, Danske Mobile Bank and Danske Tablet Bank Apps may be temporarily unavailable 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

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Definitions

Business 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 amountand dates by the organisation. Direct Debits are onlyavailable for Domestic Payments;“Domestic Electronic Payment” means a sterlingpayment which is made and received in the UnitedKingdom;“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, YourPersonal Passcode and the code or combinationthat We ask You to input from Your Security Cardwhen used together to access Your Account usingeBanking. The Electronic Signature is sometimesreferred to as Access ID.“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);

“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 PaymentTransaction, a Business Day means any day onwhich the Bank is open for business as required forthe execution of a Payment Transaction;“Card” means either a Debit Mastercard Cardissued on Your account bearing a Contactlessindicator or a Debit Mastercard Card issued on Youraccount which does not bear a Contactlessindicator; “Cardholder” means a person to whom the Bankissues the Card and includes any AdditionalCardholder;“CHAPS” means the CHAPS payments system usedby UK banks for the electronic processing of sterlingbank to bank same day value payments. Both thesending and receiving f inancial institution need to bemembers of the CHAPS Scheme;“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;“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 the

Part 2: Def init ions

“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 Interest" means interestYou pay when You have an arranged overdraft or anarranged excess in accordance with Clause 14;“Authorised User” means anyone who You haveauthorised to access Your Account using OureBanking. We will issue this person with anElectronic Signature.“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;

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“Faster Payments Service” or “FPS” means thepayments service in the UK which enables paymentsto be processed in near real time. Both the sendingand receiving f inancial institution need to bemembers of the FPS Scheme and certain f inanciallimits apply;"FCA" means the Financial Conduct Authority;“Foreign Payment” means a payment which is madewithin the UK in a currency other than sterling, or apayment (in any currency) which is made to or froma bank which is not in the UK;“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” the Application ProgrammingInterfaces used by Open Banking Limited to sharecustomer information securely;“Originator” means the merchant, supplier orvendor who initiates a Direct Debit paymentrequest;“Overdraft” means a facility that allows You to spendmore money from Your Account than You have in it;“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 such

as 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, Personal Password, 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 such as use of a Card;“PSR” means the Payment Systems Regulator;“Screen-scraping” means a computer basedprogramme which copies data from Your computersuch as the information on Your eBanking screensand translates it so that the information can bedisplayed to You in a dif ferent format;“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 24 HourTelephone Banking or eBanking Services, or allowingYou to borrow on Your Account by means of anOverdraft;“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(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;“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 www.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.

Definitions

5

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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(the ‘Cheque Clearing System’) that We use. The cheque will be processed in accordance

with the timelines set out in the relevantsection of Part 1 of the Payment Table. Acheque can be processed using the paperclearing process ('the Paper ClearingProcess') or using the image clearingprocess ('the Image Clearing Process'). Youwill not necessarily know which process willapply when You lodge a cheque to YourAccount since this will depend upon whichprocess is used by Us, any collecting bankand the Payer’s bank at the time when thecheque is presented. It is envisaged thatmore and more cheques will be processedusing the Image Clearing Process and thateventually (by the end of 2018) all sterlingcheques drawn on a UK bank will beprocessed using the Image Clearing Process.

4.1.2 When You lodge a cheque to Your Accountand the Image Clearing Process is used Youagree 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 the

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 4.1.1 A sterling cheque drawn on a bank in the UK

may 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)

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 is an Electronic

Payment into Your Account which is not insterling or which is made from a bankwhich is not in the UK. Such paymentsmay be received by Us through variouspayment systems for example, SWIFT. Wewill convert the payment to sterlingbefore We credit it to Your Account usingthe Danske Bank Exchange Rate (UK) forthe relevant 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 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.

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a 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;

• 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.

should 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 cannotprocess 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 clear to the cashier at the time Youpay the cheque into Your Account that Youwish the cheque to be specially presentedand You have paid the appropriate fee.Where a cheque is specially presented theoriginal cheque will not be destroyed and theprovisions of the 4.1.1 to 4.1.4 above will notapply.

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. Such

cheque 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.

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. If the Image Clearing Processhas been used the notice that We send Youwill include an image of the cheque. If thePaper Clearing process is used the noticewill include the original cheque and thereason why the cheque has not been paid willbe written on 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 wil l issue Youwith a printed acknowledgement which You

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where it is possible to do so. You can viewthe current Spending Limits atwww.dankebank.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 makepayments out of Your Account

5.4.1 You may grant someone else authority tomake 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– 5.4.6.

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 You

Payee is in the EEA (irrespective of whatcurrency the transaction is in.

5.1 Payments out of Your Account – insuf f icientfunds

In relation to each of these Services if You donot have suf f icient cleared funds in YourAccount or a suf f icient overdraft on YourAccount, by the Cut-of f time set out in thePayment Table on the day that an item is dueto be paid You cannot be sure that thepayment will be made. We will check thebalance on Your Account up until the Cut-of ftime on the day that the payment is due to bemade. If there are suf f icient funds in YourAccount when We check the balance We willpay the item.

Further information on the fees and servicecharges and interest rate that applies whenYou have insuf f icient funds in Your Accountto pay an item that has been presented canbe found in Our ‘Fees and service chargesexplained’ and ‘Interest rate’ 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 Limits

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 therequest.

5. Payments out of Your Account Subject to these General Terms and

Conditions and to any Special Terms andConditions for Your Account, payments out ofYour Account can be made 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 the

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You may have provided to Us. It is veryimportant that You check this informationcarefully 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

(iii)We will prevent an Authorised User fromaccessing Your Account using theservices of a TPP that uses the OpenBanking APIs unless You have told Us thatYou want that Authorised User to be ableto access Your Account in this way. Wecannot prevent an Authorised User fromaccessing Your Account using theservices of a TPP that uses Screen-scraping techniques. Further informationis set out in Clause 5.5.9 (d).

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 a payment out of YourAccount and We will treat that in the sameway as if You had given the consent Yourself.We will treat any such consent as valid andirrevocable once 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 that

have authorised is known as an AdditionalCardholder.

5.4.5 (i) You can authorise someone to accessYour Account using eBanking. We call theperson who You have authorised to makepayments out of Your Account in this wayan Authorised User and We will give theAuthor ised User an Electronic Signatureto access Your Account. You canauthorise them to be able to see theinformation about Your Account that isaccessible in eBanking (“view only”) orYou can authorise them to be able to seeYour Account information and also beable to make payments from YourAccount in the same way as You are ableto do (“full rights”). An Authorised Usercan also use the Electronic Signature toaccess Your Account using the Servicesof a TPP as set out in Clause 5.5.9.

(ii) You will be able to access Your Accountusing the services of a TPP. You can tellUs that You do not want to access YourAccount using the services of a TPP thatuses the Open Banking APIs and We willmark Our records accordingly. Where theAccount is a joint account then any of theAccount-holders can access the Accountusing the services of a TPP. If one of thejoint account holders has told Us thatthey do not want the Account to beaccessed using the services of a TPPthen none of the Account-holders will beable to access the Account using theservices of a TPP. We cannot stop Youfrom accessing Your Account using theservices of a TPP that uses Screen-scraping techniques.

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fall 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 tomake a payment to a foreign bankaccount. The payment will leave YourAccount on the date specif ied (or thenext Business 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 Payees 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 Orderinstruction by visiting Your Branch,telephoning Us or in eBanking.

in Your 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 are suf f icientfunds 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 thereare suf f icient funds 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 mortgage orloan account.

(ii) Internal Standing Order- which is not toservice a mortgage or loan 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, ifthe date You have specif ied does not

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

mortgage or loan 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 suf f icient cleared funds in YourAccount, or a suf f icient overdraft onthe due date then We will continue tocheck Your Account for a further 4Business Days. If at the time that Wecheck Your Account balance duringthat period, there are suf f icient funds

13


currency which is not sterling beforethe payment is made. If You make a foreign payment usingeBanking then the Special Terms andConditions – eBanking will apply. Youcan make a Foreign Payment at one ofOur Branches as set out below

(b) In order to make a Foreign Payment atone of Our Branches You will need toconf irm Your identity, quote the Sort Codeand Account Number of the Account fromwhich You wish to make the payment andthen complete the information set out inthe International Money Transferapplication form. This will include thePayee name, the Sort Code and AccountNumber or, where applicable the BIC andIBAN for the Payee’s Account and theamount that You wish to transfer. We willalso need You to tell Us whether You wantthe payment to be made in sterling orwhether You wish Us to convert thepayment to a foreign currency before thepayment is sent. There will be fees andservice charges for this Service as setout 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) A Domestic Electronic Payment is a

payment in sterling that is made toanother Bank in the UK. You can make aDomestic Electronic Payment usingvarious means. The Special Terms andConditions for the Service that You

Number 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 andConditions – eBanking will apply.

5.5.6 Payments using 24 Hour Telephone BankingService

You can make a payment out of Your Accountusing 24 Hour Telephone Banking. TheSpecial Terms and Conditions 24 HourTelephone Banking will apply.

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

Payment out of Your Account which iseither: (i) to a Payee whose bank is not in the UK.

(Any such payment can be in sterlingor You can ask Us to convert thepayment to the foreign currency beforeWe send the payment); or

(ii) to a Payee whose Bank is in the UK butYou ask Us to convert the payment to a

(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 cancelledvia eBanking. You cannot withdraw Yourconsent to the Standing Order after theclose of business on the business daybefore the next payment is due to be paid(unless You, 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.

(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 Account

14


(b) If You use a TPP to make a payment fromYour Account then You will need toconf irm the Sort Code and AccountNumber or, where applicable the BIC andIBAN, of the Payee and also the amount ofthe payment. Any payment out of Your Account usingthe services of a Third Party Provider willbe made from the Account as a credittransfer even though the Account is oneof Our Credit Cards or is an Account onwhich one of Our Debit Cards has beenissued. Further information on how thismay impact on the protections that Youhave is set out in Clause 6.5.5.

(c) You may access Your Account in dif ferentways including the Open Banking APIs orusing a technique known as "Screen-scraping."If the TPP accesses Your Account usingthe Open Banking APIs then You give Yourconsent by entering Your ElectronicSignature (that is Your full eBanking logon details) when asked to do so. You willdo this on a secure Danske Bank webpage– this will not be the eBanking log on page.A list of the Accounts that can beaccessed through the Open Banking APIsis available on Our Website atwww.danskebank.co.uk/psd2ob. The TPPwill only be able to view the informationthat You specif ically authorise it to or todebit the specif ic payment that Youauthorise. If the TPP accesses Your Account usingScreen-scraping then You give Yourconsent by providing the TPP with YourElectronic Signature and the TPP will beable to access Your Accounts – including

Conditions for Your Account stateotherwise.You will need to be registered foreBanking to use these services. Thefollowing types of services are of fered byTPPs.(i) Account Information Services

These TPPs allow customers toconsolidate dif ferent accounts theyhave with one or more banks, forpurposes only of reviewing theconsolidated position, and they thenof fer a range of associated servicesincluding for example budgeting andf inancial planning tools. Furtherinformation is set out in Clause 8.

(ii) Payment Initiation ServicesThese TPPs help customers to makeonline credit transfers and inform themerchant immediately of the paymentinitiation, allowing for immediatedespatch of goods or services. This isan alternative to paying online using adebit or credit card. If You have acredit card account with Us then Youwill need to refer to the Credit CardCard Terms and Conditions.

Further information about TPPs isavailable on our website atwww.danskebank.co.uk/psd2ob. We willalso make the European Commissioninformation leaf let on the rights ofconsumers under PSDII available free ofcharge in Our branches and on OurWebsite when it is published. We will alsomake this available in alternative formatsif requested.

choose to make the payment will apply.You can also make a Domestic ElectronicPayment at one of Our Branches as setout below. We will use the FasterPayments Service to make the paymentunless the Payee’s Bank is unable toreceive payments using that means, inwhich case You may choose to send thepayment either by CHAPS or by Bacs.

(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 theDomestic Electronic Payment by signingthe application form. You cannot withdrawYour consent once the payment has beenmade.

5.5.9 Third Party Providers (TPPs)(a) A number of TPPs provide services in the

area of internet payments. TPPs areindependent providers of services. If Weprovide You with a TPP service then Wewill make that clear to You at the time.TPP services can be used to access anyof Your Accounts which are accessibleonline. Your Account will be accessibleonline unless the Special Terms and

15


scraping techniques.You cannot withdraw Your consent wherea payment has already been debited toyour Account using the services of a TPPor where information has already beenprovided to a TPP which providesAccount Information Services.

5.5.10 Cheque Payments out of Your Account Please refer to Clause 10 for the terms and

conditions that apply.5.5.11 Other reasons that We can rely on to make a

payment out of Your Account We may also make payments out of Your

Account 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 beYour 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.

any one of the Account-holders donot do this then You will be able toaccess Your Accounts using theservices of a TPP;

(b) You want an Authorised User whohas an Electronic Signature with“full rights” to access YourAccounts using a TPP; If You do notdo this then the Authorised Userwill not be able to access YourAccounts using the services of aTPP;

(c) Where You have granted anAuthorised User rights to accessYour Accounts using a TPP – thatYou wish to withdraw that consent.

We will comply with Your requestunless the TPP uses Screen-scrapingtechniques. If You withdraw Yourconsent to any Authorised User thenno Authorised User will be able toaccess the Account(s) using theservices of a TPP. If You, or anAuthorised User who has anElectronic Signature which allowsthem to access Your Accounts, provideYour or their Electronic Signature to aTPP that uses Screen-scrapingtechniques then We will treat that asYou granting consent to that TPP toaccess Your Accounts again.

(ii) You can also manage TPPs who usethe Open Banking APIs, where You oran Authorised User has alreadygranted access to Your Accounts.Further information on how to do thisis available when You log on toeBanking. We cannot provide thisservice where the TPP uses Screen-

being able to access all the informationthat You can access in eBanking andmake payments from Your Accounts inthe same way as You can. This means forexample that future dated paymentsincluding Standing Orders can be set upon Your Account. The TPP may ask forYour Electronic Signature on its ownwebsite or it may redirect You to theeBanking log on page within the DanskeBank Website and ask You to insert theinformation there. Where the TPP usesScreen-scraping techniques it may not betransparent to Us that You are using theservices of a TPP. In these circumstancesYou must provide Us, if We ask You, withthe details of the TPP.Before using the services of a TPP Youshould make sure that you are satisf iedthat the TPP is authorised and regulatedby the FCA or another EuropeanRegulator. You should also ask the TPP toconf irm which method it will use toaccess Your Accounts.

(d)You will be able to access Your Accountsusing the services of a TPP which usesthe Open Banking APIs, unless You tell Usotherwise. You can withdraw Yourconsent to permitting access to YourAccount using the services of a TPP inany of the following ways. We will complywith any such request no later than thenext Business Day after receipt of therequest:(i) You can tell Us, by contacting Your

Branch, that (a) You do not want to access any of

Your Accounts using a TPP. If You,or in the case of a joint account,

16


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 makingsure that We execute it 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 Payee’s bank account that Youprovided with the payment instruction. Thisis 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 executed

(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.

(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 tomeet any of Our obligations under thisClause 6 then You can make a claim as setout in Clause 6.4.

6. 1 Our Obligation to execute a payment requestand to do so correctly (excluding chequepayments)

• 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 makeYour 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 have reasonablecause to believe that the payment hasbeen 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.

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apply 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. You can f indout more about the circumstances whereStrong Customer Authentication is requiredon our website atwww.danskebank.co.uk/psd2ob.

6.3.2 Subject to Clause 6.5 if We fail to complywith Our obligations as set out in Clause6.3.1 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

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.

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 only

payment 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 responsibleand 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.

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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.

6.4.3 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 negligencefailed 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 using the Cardacquired it with Your consent.

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 have

complied 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 isno 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 that


19


will, 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(that is the items set out at Clause 7.1)safe. This does not include informationwhich appears on the face of Your DebitCard or the Sort Code and Account Numberfor Your Account. We set out in the SpecialTerms and Condit ions (for eBanking,Electronic Signature, Debit MastercardPersonal Card and 24 Hour TelephoneBanking) the reasonable steps that You areexpected to take to comply with Yourobligat ions to keep Your PersonalisedSecurity Credentials safe when using anyof 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 satisf 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:(i) a payment that was made af ter You

notif ied Us in accordance with Clauses7.1. and 7.2;

(ii) You have been unable to notif 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; You can f ind out moreabout our obligat ions to apply StrongCustomer Authenticat ion on ourwebsite atwww.danskebank.co.uk/psd2ob

(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;

You 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 notif 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 for eBanking

or any component part of YourElectronic Signature

• 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 We

20

(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 theGambling 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 foodstuf fs, beveragesor other goods intended for currentconsumption in the household andwhich are supplied by a trader onfrequent and regular rounds to theconsumer’s home, residence orworkplace;

(g) within the scope of Council Directive90/314/EEC of 13 June 1990 onpackage travel, package holidays andpackage tours;

(h) within the scope of Directive2008/122/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.

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. You must beregistered for eBanking, or have granted aMandate to an Authorised User to accessYour Account using eBanking, to use theservices of a TPP to access Your Accounts.

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.(i) If the TPP accesses Your Account using

the Open Banking APIs the TPP will onlyreceive the specif ic information that Youhave explicitly consented to be provided.When the TPP uses this method You will

be redirected to a Danske Bank webpagewhere You will be asked to provide YourElectronic Signature. By entering YourElectronic Signature You are giving UsYour consent to provide the informationto the TPP. Only certain accounts areaccessible in this way (for exampleaccounts which are not payment accountsare not accessible). You can see a list ofAccounts that are accessible through theOpen Banking APIs on Our Websitewww.danskebank.co.uk/psd2ob.Information about Your Account will beavailable as “data clusters” – this meansthat We will group certain informationinto a data set (a cluster). When You giveYour consent all of the information in thedata cluster will be made available to theTPP.

(ii) if the TPP accesses Your Account usingScreen-scraping the TPP will be able toaccess and download all of theinformation that is available within YoureBanking and We will not be able to limitor restrict this. By giving the TPP YourElectronic Signature You are giving UsYour consent to provide the informationto the TPP. Unless the TPP has takensteps to identify itself to Us We may thinkthat the request is being made directly byYou. A TPP which uses Screen-scrapingtechniques will be able to access bothpayment and non-payment accounts. Anon-payment account would include anymortgage or loan accounts that You havewith Us. Clause 8.2 provides You withmore information on the legal obligationsof the TPP as regards the use of Yourinformation.


21

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 exceptwhere You are a party to a joint account inwhich case if We receive a request madethrough an Account Information Service TPPWe will release information about bothparties to the joint account. Any informationYou have recorded on Your Account aboutany third parties will also be released.

8.5 You can grant and/or withdraw Your consentto Your Account being accessed by a TPPwhich uses the Open Banking APIs for thepurposes of Account Information Services inone of the following ways:(i) You can tell Us, by contacting Your

Branch that, (a) You do not want to access any of Your

Accounts using a TPP. If You, or in the

case of a joint account any one of theAccount-holders do not do this thenYou will be able to access YourAccounts using the services of a TPP;

(b) You want an Authorised User who hasan Electronic Signature with “fullrights” to access Your Accounts usinga TPP; If You do not do this then theAuthorised User will not be able toaccess Your Accounts using theservices of a TPP;

(c) Where You have granted anAuthorised User rights to access YourAccounts using a TPP – that You wishto withdraw that consent.

We will comply with Your request unlessthe TPP uses Screen-scrapingtechniques. If You withdraw Your consentto any Authorised User then noAuthorised User will be able to accessthe Account(s) using the services of aTPP. If You, or an Authorised User whohas an Electronic Signature which allowsthem to access Your Accounts, provideYour or their Electronic Signature to aTPP that uses Screen-scrapingtechniques then We will treat that as Yougranting consent to that TPP to accessYour Accounts again.

(ii) You can also manage TPPs who use theOpen Banking APIs, where You or anAuthorised User has already grantedaccess to Your Accounts. Furtherinformation on how to do this is availablewhen You log on to eBanking. We cannotprovide this service where the TPP usesScreen-scraping techniques.

You cannot withdraw Your consent wherea payment has already been debited toYour Account using the services of a TPPor where information has already beenprovided to a TPP which providesAccount Information Services.

8.6 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.

8.7 We will not be responsible to You underClause 8.6 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.

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 the


22

following (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):(a) the payment transaction is or may be

illegal or for an illegal purpose;(b) You are bankrupt or insolvent or have

entered 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 are insuf f icient funds 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; or

(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).

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).

9.4 Where We have taken action under thisClause 9, unless We terminate the

agreement 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. A cheque can be processedusing the Paper Clearing Process or usingthe Image Clearing Process. You will notnecessarily know which process will applywhen You write a cheque since this willdepend upon which process is used by Us,any collecting bank and the Payee’s bank atthe time when the cheque is presented. It isenvisaged that more and more cheques willbe processed using the Image ClearingProcess and that eventually (by the end of2018) all sterling cheques drawn on a UKbank will be processed using the ImageClearing Process.

10.3.1 (a)You agree that, if the Image ClearingProcess is used, once a cheque is presentedfor payment the original cheque will bedestroyed within three Business Days. You

23


have 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 isavailable 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.

10.3.1 (b) You agree that, if the Paper ClearingProcess is used, cheques drawn on theAccount will not normally be returned to You,however if there is a dispute with Us about acheque paid out of Your Account We will giveYou the cheque or a certif ied copy of thecheque as evidence.

10.4 You should ensure that You have suf f icientfunds 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 pay

the 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), Youshould 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 decideto stop payment, You can do so, providingthat We have not already made the decisionto pay the cheque. If the Image ClearingProcess has been used a decision to pay thecheque can be made at any time aftermidnight on the Business Day after thecheque was lodged. If the cheque has beenspecially presented for payment then thedecision will be made as soon as the item ispresented.

24

To stop a cheque, time is of the essence, andWe 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 4.30pm 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, forYour protection, to train Our staf f and tomaintain the quality of Our service. We canonly accept an instruction to stop a chequewhen the telephone lines are open.

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 stop a cheque You will need to provide Uswith 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 stop thecheque once it has been lodged to anAccount. There is normally a charge for thisService as stated in Our ‘Fees and servicecharges explained’ leaf lets.

10.8 When We need to tell You that one of Yourcheques or other items has been returned


unpaid, 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(including Mobile Banking)

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.

14. Overdraf ts Warning Fees and serv ice charges will apply in

relation to the prov ision of any overdraf t.Full details are set out in Our 'Fees andserv ice charges explained' leaf lets. Youshould read those leaf lets carefully beforeapplying for an overdraf t or permitting Youraccount to become overdrawn without Ourprior agreement.

14.1 The provision of an 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. An Overdraft is repayable ondemand. This means that We can require You

to 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 this asan application for an unarranged excess. TheArranged Overdraft Interest rate will apply tothe amount of Your Overdraft which is withinYour arranged Overdraft limit. In all otherrespects the Terms and Conditions as setout in the Facility Letter for Your arrangedOverdraft will also apply to the unarrangedexcess.

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 then

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We will treat this as an application for anunarranged Overdraft.

14.7 If We decide to grant You an unarrangedOverdraft or an unarranged excess, by payingan item which has been presented forpayment, then a paid transaction fee, asdetailed in Our ‘Fees and service chargesexplained’ leaf lets will be applied to YourAccount. If We grant You an unarrangedOverdraft or an unarranged excess then itdoes not mean (a) that any arrangedOverdraft has been created or (b) that thelimit on any arranged Overdraft has beenincreased or (c) that We will pay any otheritem in the future which would have the sameef fect. We are not committed to pay anyother items up to such amounts.

14.8 If We decide not to grant You an unarrangedOverdraft or an unarranged excess then theitem presented for payment will be returnedunpaid and an unpaid fee, as detailed in Our‘Fees and service charges explained’ leaf lets,will be applied 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 each

calendar 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 If You have provided Us with Your mobiletelephone number then We will send You atext message to alert You if there areinsuf f icient funds or an insuf f icient arrangedoverdraft to pay an item that has beenpresented. The text message will tell You thetime by which You need to lodge or transfersuf f icient funds to be sure that the item willbe paid. If insuf f icient funds are not lodgedthen, as set out in Clauses 14.5 and 14.6 Wewill treat this as application for either anunarranged excess or an unarrangedoverdraft. If We decide to pay the item thenYou will incur unarranged overdraft fees. IfYou have 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. If Youdo not wish to receive these text messagesthen please contact Us and We will recordthis on Our systems.

14.12 If You are due to pay any fees or servicecharges in relation to any unarrangedoverdraft, We will calculate the amountowing at the end of each calendar month.Before We charge the fees and servicecharges to Your account, We will write to Youat the end of the month and tell You theamount that We will charge and when.

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Written details of overdraft service chargesare set out in Our 'Fees and service chargesexplained' leaf lets.

15. Fees and Serv ice Charges15.1 Details of current fees and service charges

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

15.2 You agree to pay the fees and servicecharges applicable to the Account and Youruse and operation of the Account and OurServices as shown in Our ‘Fees and servicecharges explained’ and 'Fees and servicescharges explained - foreign payments'leaf lets from time to time and whether or notthese fees and service charges are referredto elsewhere in these Terms and Conditions.

15.3 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.

15.4 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) for one or more of the followingreasons:· To respond proportionately to a change in

the Bank of England Bank Rate or anyother publicly-listed market rate;

· To recover the genuine increased costs ofproviding current and savings accountsto Our customers, including for examplethe cost of introducing, developing and/ormaintaining systems and services;

· To recover the genuine increased costs ofcomplying with legal or regulatorychanges which apply to the provision ofservices to Our current and savingsaccount customers, including for examplechanges in the law, decisions of theFinancial Ombudsman, changes inregulatory requirements and/or changesin industry guidance and codes ofpractice;

· To ensure that Our business as a whole isprof itable and competitive and that OurCredit Interest rate ranges and CreditInterest rate structures enable Us toachieve Our business and strategicobjectives (which are set internally) -provided that any such change isreasonable and does not result in anAccount Holder being treated unfairly;

· For any other valid reason - provided thatany reduction in the Credit Interest rate(or variation of the Credit Interest ratethat is applied depending on the balanceheld in an Account) for this reason is aproportionate and reasonable responseto the underlying reason.

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 theseparts are variable. If there are any changesto the Bank of England Bank Rate We will

change 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 forone or more of the following reasons:· To recover the genuine increased costs of

providing credit to our current accountcustomers, including for example the costof developing and maintaining systemsand services;

· To respond proportionately to a change inthe risk presented by a customer or agroup of customers;

· To recover the genuine increased costs ofcomplying with legal or regulatorychanges which apply to the provision ofcredit to Our current account customers,including for example changes in the law,decisions of the Financial Ombudsman,changes in regulatory requirementsand/or changes in industry guidance andcodes of practice;

· To ensure that Our business as a whole isprof itable and competitive and that Our

27


Debit Interest rate ranges and DebitInterest rate structures enable Us toachieve Our business and strategicobjectives (which are set internally) -provided that any such change isreasonable and does not result in anAccount Holder being treated unfairly;

· To enable Us to maintain thecompetitiveness of interest rates paid toOur depositors or providers of funds;

· For any other valid reason - provided thatany increase in the Margin for this reasonis a proportionate and reasonableresponse to the underlying reason.

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 equal

to the published rate and is usually better.17.3 We calculate the Danske Bank Exchange

Rate (UK) for the relevant currency on a dailybasis. You may obtain details of the DanskeBank Exchange Rate (UK) for the relevantcurrency by enquiring at any Branch or bytelephoning Us. We reserve the right tochange the Danske Bank Exchange Rate (UK)for the relevant currency immediately and atany time of the day depending on marketconditions.

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 Your

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statements 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. Youcan exercise this option if You are registeredfor eBanking and have also asked Us toregister You for Electronic Mailbox. You willneed to tell Us that You want to exercise thisoption each time that You open a newAccount with Us or, if You are not registeredfor Electronic Mailbox, when You f irstregister for that Service. Where You selectthis option You will get all Your statements(subject to this Clause 18.3) made availablein Electronic Mailbox since We cannotcurrently allow You to opt to have only someof Your statements to be delivered in thisway.

18.4 Where You select the option described atClause 18.3 You will be able to register fornotif ications. You will be responsible forregistering for notif ications within ElectronicMailbox as follows:Log on to eBanking viawww.danskebank.co.uk• Click on Electronic mailbox and

agreements• Choose Electronic mailbox • Click on “Go to Documents”• Click on “Settings” in the toolbar at the

top of the screen• Enter Your email address where

indicated. You are asked to provide an email address so

that We can notify You each time that astatement has been made available within


Your Electronic Mailbox.18.5 If You require additional statements or

duplicate statements then You will have topay Our fees and service charges as set outin Our ‘Fees and service charges explained’leaf let.

18.6 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.

18.7 If there are no payment transactions on YourAccount, statements will be provided ormade available on a frequency which isagreed with You – usually at the end of Juneand the end of December each year.

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 will

contact 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, Your cardnumbers or any of the numbers from YourAccess ID card which You use to accessand make payments on eBanking; 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 YourPersonalised Security Credentials suchas any of Your PIN numbers, Your cardnumbers or any of the numbers from YourAccess ID card which You use to accessand make payments on eBanking. TheSMS will NEVER contain a link which, ifselected, will ask You to reveal any ofthese 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 f rom a telecommunications or

information 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 atwww.danskebank.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 ied

with 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 haveinsuf f icient funds in Your Account orwhere the amount of time that We haveto spend on the administration of YourAccount exceeds what We wouldconsider to be reasonable;

(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;

29


(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 coverany money owed including interest andservice charges.

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.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 suspect that You have

used Your Account to make a paymenttransaction that is illegal or is for anillegal purpose;

(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;

(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 suchterminat ion.

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 you dieit 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 willgive You all of Your money back with any

interest 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 willhold mail for You to collect from Your Branch.If Your Account has an Additional Cardholderthen this Condition also applies to the

31

Additional Cardholder.24.3 If You change Your mobile phone number then

You 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 – for exampleGeoblocking on Your Cards.

24.4 If You change Your email address then Youshould inform Us immediately. If We do nothave this information then We may continueto send email messages to You which couldinclude alerts about Your Account includingalerts about information that We have sentto Your secure mail or Electronic Mailboxwithin eBanking (where You have thatService).

25. Use of Your personal and businessinformation

25.1 We can use Your personal and businessinformation in accordance with Our leaf let‘How we use your personal and businessinformation’.

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.

25.2 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 eBanking Agreementthen We may send communications to Youusing secure mail or using the ElectronicMailbox facility on eBanking where Yousubscribe to that service. We can only sendimportant information about changes to YourAccount in this way where You havesubscribed for Notif ications withinElectronic 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 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 26.3 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 26.3 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 withthe 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 the

proposed 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.

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 technologyprovided that the change is aproportionate response to the underlyingreason for the change;

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

(d) to respond proportionately to any changeor expected change in market conditions,general banking practice or the cost ofproviding services to customers;

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

the Financial Ombudsman Service,

32


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

codes of practice which raisestandards of consumer protection;

(f) 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;

(g) 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;

(h) 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;

(i) for any other valid reason which is notspecif ied in this Clause 27.7 providedthat the change is a proportionate andreasonable response to the underlyingreason for the change.

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 for

death 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 enforceable

provision 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.

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.

33


34

Business 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, orthe 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 a payment which ismade within the UK in a currency other thansterling, or a payment (in any currency) which ismade to or from a bank which is not in the UK.‘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.‘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.


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

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 inYour Account. Where the limit is detailed as 'Doesnot apply' this means that the limit is the availablebalance on 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 last

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.

Payment Table – Part 1 Payments into your account


35

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 Monday Monday

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

Incoming foreign payments (allcurrencies, see note 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 Monday24 Hour Telephone Banking

Midnight Monday

eBanking

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 againstan incoming foreign payment before theValue date you may receive less creditinterest or have to pay debit interest.


36


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.

Where the Image Clearing Process applies – all times are quoted using 24 Hour clock. The Image Clearing Process commenced on 30 October 2017 and willbe phased in during the period up to the end of 2018.

Where the Paper Clearing Process applies

37

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

Bank the cheque was drawn onDate of lodgement(see notes 5 and 6)

Cut-off time Entry date Value dateWithdrawal date (see notes 3 and 4)

Guaranteed date

Any Danske Bank branch in Northern Ireland (see note 1) Monday Branch closing time Monday MondayTuesday

(23.00 hours)Close of business

Tuesday

Northern Ireland branch of one of the other 3 clearing banks inNorthern Ireland (that is, Ulster Bank, Bank of Ireland and First

Trust Bank) or an English or Scottish BankMonday Branch closing time Monday

Wednesday (00.01 hours)

Friday(09.30 hours)

Close of businessTuesday of the following week

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 orhave 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 bethe 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®.

38


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 are suf f icient cleared funds in your account, at the Cut-of ftime specif ied in the table below, at the time that the payment is due to be taken from your account.


39

Payment typeMethod/channel of payment

orderEntry date Cut-off time Value date

Maximum executiontime

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

Cash withdrawals (inpounds sterling, unless

it says otherwise)(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 date

Maximumexecution time


40

Electronic payments –internal transfers

Any Danske Bank branch inNorthern Ireland

Monday


Monday Monday

Does not apply

24 Hour Telephone Banking 11pm Monday 1. £25,000 for 3rd party internal2. Does not apply to own account

transfers

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

Mobile Banking 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

24 Hour Telephone Banking 11pm Monday £25,000daily limit (see note 2)

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)

Mobile Banking 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.)

41


orderEntry date Cut-off time Value date



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 – domestic,foreign (all currencies), anddomestic or foreign recurringtransactions(all currencies) -

(see note 5)

Midnight Monday

Does not apply

(£30 per transaction if contactless)

Under – 16s will need permission

Electronic payments –standing orders (see

note 8)

Standing order – Faster PaymentsService

9.30pm Monday

Monday(payments

madebefore3pm)

Tuesday(payments

madeafter3pm)

Monday(payments

madebefore3pm)

Tuesday(payments

madeafter3pm)

£100,000

Standing order – CHAPS payment Does not apply


Electronic payments - Outgoing foreign payments (Express and Standard) and transfers to your own account within Danske BankGroup (known as a Group Payment) (see note 10 ) - at any Danske Bank branch in Northern Ireland and through eBanking

42

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 conversion

BGN, 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)


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


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 in youraccount.

2. eBanking and 24 Hour Telephone Banking - these arethe daily spending limits which apply in any 24 hourperiod 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 an outgoing foreign paymentthrough eBanking. Where this applies and the payee is inthe EEA the Maximum execution time will be either

(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. When you make a payment out of your accountusing the services of a TPP which uses Screen-scraping the payment will be made using oureBanking service.

43


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

Where the Image Clearing Process applies – all times are quoted using 24 Hour clock. The Image Clearing Process commenced on 30 October 2017 and will bephased in during the period up to the end of 2018.

Where the Paper Clearing Process applies

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)

Date oflodgement by payee

(see note 1)

Entry date Value datePay/no pay decision

(see notes 3, 4, 5 and 6)

Cheque lodged at a Danske Bank branch to anaccount held with Danske Bank

MondayMonday

(at time of lodgement)Monday

(at time of lodgement)Tuesday

(by 15.30 hours)

Cheque lodged to one of the other 3 clearingbanks in Northern Ireland (that is, Ulster bank,Bank of Ireland or First Trust Bank)

Monday Wednesday WednesdayWednesday (15.30 hours)

Cheque lodged to another bank in the UK Monday Thursday ThursdayThursday

(15.30 hours)

44

Notes on cheque payments out of your account

1. This can be any time after you give the cheque to thepayee – this table assumes that day is Monday andbefore 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 provided thatthe digital image meets the requirements set out inCheque Clearing System rules.

3. You can ask us to stop 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 guaranteethat we will be able to do so. You should contact usin the following way if you want us to stop a cheque:telephone us at 0345 6002882. Lines are openbetween 8am and 8pm Monday to Friday andbetween 9am and 4.30pm 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,for your protection, to train our staf f and to maintainthe quality of our service.

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 we will notmake that decision until after 14.00 hours. Adecision will always be made before 15.30 hours.

6. We will not notify you once a decision to pay acheque has been made. If a decision has been madenot to pay the cheque then the accounting entrieswill be reversed after 15.30 hours and we will sendyou a notice setting out the reason for our decision


45

Sect ion 2

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

month: You must:

• pay in at least £1,200 (not includinginterest, fee refunds or amountstransferred from another Danske Bankaccount You have);

• make at least three payments (which mustnot be returned unpaid) from your accounteither by Direct Debit or by a regulartransfer which you have agreed we cantake from Your Account to pay a DanskeBank mortgage, loan or credit cardaccount; and

• log on to eBanking, mobile banking or tabletbanking at least once (for joint accounts, atleast one party to the account must dothis)

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 YourAccount to ensure that it continues to meetYour requirements. You will receive regularstatements which will provide You withinformation about the fees which have beendebited to Your Account – including themonthly account fee. You will also be able tomonitor whether You have qualif ied for theCash 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. Use of the Card is subject tothe Special Terms and Conditions applicableto the Card.

that 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.

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

Business Day of the calendar month, Youmeet all of the requirements set out inClause 4.3, We will credit Your Account withthe Cash Reward on the f irst Business Day ofthe following calendar month. If You close theAccount or change it to another productbefore the Cash Reward is credited to YourAccount then You will not receive the CashReward.

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 thechange 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

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. Monthly account fee3.1 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 Youdo not agree to the change You will have theright to close the Account before the end of

46


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.

4.1. If You try to make a payment out of YourAccount (known as presenting an item forpayment, such as a direct debit or standingorder) and You do not have suf f icient funds inYour Account by the Cut-of f time on the daythat we are asked to make the payment, thenWe will refuse to make the payment. On thedate that the payment is presented forpayment, We will check the balance on YourAccount at the start of day and, again beforethe Cut-of f time. If there are suf f icient fundsin Your Account at the time that We checkthe balance We will make the payment. Wemay charge a service charge (known as aReturned Item fee) as set out in our ‘Feesand service charges explained’ leaf let if Youdo not have suf f icient funds in Your Accountto make the payment.

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 unt il You (or in the case of a jointAccount, any Account Holder) becomes 28years old. On that date, if We have notreceived instructions regarding the balancein Your Danske Freedom Account from You,We may close Your Account giving You atleast two months’ notice or transfer anybalance in Your Account to another accountin Our current account range which We willopen in Your name. The Terms andConditions which will apply to Your newaccount will be advised to You when We openthe 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 You can access the Account using the

services of a TPP as follows:(i) You can use a TPP which provides

Account Information Services; and/or(ii) You can use a TPP which provides

Payment Initiation Services.






Danske Choice 1. The Danske Choice Account is only available

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







47

4.2. 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 account atthe start of day (usually shortly aftermidnight) and again at the Cut-of f time. Ifthere are suf f icient funds 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 aftermidnight) and up until the Cut-of f time. If atthe time We check Your Account there aresuf f icient funds to make the payment thenWe will proceed to debit Your Account andmake the payment. We refer You to thePayment Table which sets out the relevantCut-of f time and Value Date for paymentsmade from Your Account. Where more thanone standing order is due to be paid fromYour Account on the same day and You donot have suf f icient funds in Your Account tocover the total amount of all of the standingorders, then We will not pay any. We maycharge a service charge for each item thatWe return (known as a Returned Item fee) asset out in our ‘Fees and service chargesexplained’ leaf let if You do not have suf f icientfunds in Your Account to make all of thepayments.

5. Where a fee or service charge is due to bepaid from Your Account and You do not havesuf f icient funds in Your Account to pay thefee or 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 avoidincurring returned item fees. To avoidincurring returned item fees You must lodgeor transfer suf f icient cleared funds to coverthe fee(s) to be debited from Your Account. IfYou have 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.

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


services of a TPP as follows:

(i) You can use a TPP which providesAccount Information Services; and/or

(ii) You can use a TPP which providesPayment Initiation Services.

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 theDanske 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 have

48


the 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.






49


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 anotherAccount 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 # .

For further details of the funct ionality of Our 24Hour Telephone Banking Service, please refer tothe User Guide.

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 Service

Helpdesk, 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 w ith 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

50

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.“Bill Payee Details” means the details of billpayees which are provided by You or a NominatedUser so that Bill Payments can be ef fected throughOur 24 Hour Telephone Banking Service.“Bill Payment” means a transfer of funds into anaccount belonging to a third party using Our 24Hour Telephone Banking Service. “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) as well as the making of payments fromYour Account. “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 andCondit ions 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 taking

any 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 Nominated

User, 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.


51


it will be processed on the next BusinessDay after the instruction is received;

(b) the balance information for an Accountwill include items that are not cleared;and

(c) a User will not have access to Bill PayeeDetails set up by another User on the 24Hour Telephone Banking Service evenwhere such Users have access to thesame Accounts on the 24 Hour TelephoneBanking Service.

Details of Cut-of f Times and otherinformation relating to timing of paymenttransactions are set out in the PaymentTable provided in the General Terms andConditions.

9. You and any Nominated User agree that Youand 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).

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 ef fectingtransactions and giving and obtaininginformation if for any reason Our 24 Hour

Nominated User. A Nominated User's right touse the 24 Hour Telephone Banking Serviceto access and/or operate an Account will bewithdrawn when You have notif ied Us whenYou want that to happen.

6. Subject to Clause 5, You are liable for anyuse or operation of an Account by aNominated User as if the Account had beenused or operated by You. You should ensurethat any Nominated User has read andunderstood these Special Terms andConditions. You must also ensure that theNominated User complies with all Yourobligations under these Special Terms andConditions.

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:(a) (subject to Clause 24) a payment

instruction which is received before theCut-of f Time as set out in the PaymentTable will be processed on the same daybut if it is received after the Cut-of f Time

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 evenif such instruction causes an Account tobecome overdrawn. This consent to make apayment out of Your Account cannot bewithdrawn once We have received aninstruction. We are liable only for theexecution of a payment transaction inaccordance with the Sort Code and AccountNumber (or where applicable the BIC andIBAN) for the Payee's Account that You havegiven to Us. This is the case even if You havegiven Us additional information about thePayee. However, if the instruction relates to apayment by Direct Debit or Standing Order orother future dated payment, please refer toClause 5.5 of the General Terms andCondition – Business or Clause 5.5 of theGeneral Terms and Conditions – Personal(whichever is applicable).

Nominated User5. We may allow You to nominate a person as a

Nominated User to access and/or operate anAccount. We will ask You to complete aMandate. You may notify Us in writing thatYou wish to amend or revoke the Mandate(s)which You have executed in respect of a

52


15. You must ensure that a Nominated Usercomplies with the provisions of Clause 14 inrelation to their Telephone Banking SecurityInformation.

16.1 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;

(c) You or the Nominated User becomesaware of any unauthorised transaction orerror on an Account using 24 HourTelephone Banking Service; or

(d) 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.

16.2 Further details about Your liability and Ourliability are set out in Clauses 6 and 7 of theGeneral Terms and Conditions - Personal orBusiness (whichever is applicable)..

Allocation of liabilit ies17. You are liable for any breach by a Nominated

User of these Special Terms and Conditionsas if such breach had been committed by You.

• change Your ACN allocated to You by Uswhen 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

• Immediately report to Us if YourTelephone Banking Security Informationis lost or stolen or You think someoneelse knows it You should comply withClause 16.

Telephone Banking Service is unavailable foruse or malfunctioning. We will advise Youand/or the Nominated User of the alternativemeans to be used to communicateinformation and operating instructionsduring the period Our 24 Hour TelephoneBanking Service is interrupted.

Fees11. When using the 24 Hour Telephone Banking

Service, transactions instructed by You andany Nominated User for payment of bills fromany of Your or the Nominated User’s creditcard or corporate card Accounts with Us willbe treated as cash advances and charged inaccordance with the terms and conditions(and current tarif f where applicable) relatingto Your or the Nominated User’s credit cardor corporate card agreement which havebeen provided to You or the Nominated User.

12. Any fees and service charges will becalculated and applied in accordance withOur ‘Fees and service charges explained’leaf lets.

Your Responsibilit ies13. 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.

14. You must take all reasonable steps to keepYour Telephone Banking Security Informationsafe. You must:

53

18. 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.

19. 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;

(c) to a Payee where a User providesincorrect information (for example, where,in the case of a Domestic ElectronicPayment, a User does not provide thecorrect Sort Code and Account Numberfor the Payee);

(d) for any delays or errors by other parties;(e) 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;

(f) 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;

(g) 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);

(h) for losses or damage which arise due toany disclosure by a User of his/herTelephone Banking Security Information;or

(i) for losses or damage which arise due toany failure or defect in Your or anyNominated User’s telecommunicationsequipment.

20. 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 ies21. We are not responsible for:

(a) Any destruction, alteration or loss of ordamage to Your or any Nominated User’sdata or for delay, errors or omissions inany transmission of Your or anyNominated User’s data or for any otherevents af fecting Your or any NominatedUser’s data which occur prior to the databeing received by Us or which occur as aresult of transmission over any publictelecommunications network;

(b) Any consequences of the events referredto above, even if the result is non-payment or multiple payment of, or delayin ef fecting, the relevant payment orderor other transaction;

(c) Any information becoming known to anythird party as a consequence of errors inthe transmission of Your or anyNominated User’s data or as aconsequence of any third party gainingunauthorised access to the data


54

transmission line in Our equipment orsoftware (provided that We comply withOur obligations to take appropriatemeasures to protect againstunauthorised access by any third party toany of Your or a Nominated User’spersonal data retained by Us).

22. 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).

23. 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 ice24.1 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 Your Account is overdrawn andWe believe that there is a signif icantlyincreased risk that You may be unable tofulf il Your obligations to repay theoverdrawn amount;

(d) where We have a legal obligation to do so:or

(e) where You have broken the terms of thisAgreement or any of the terms of theGeneral Terms and Conditions.

We may also refuse to carry out individualtransactions on Your Account in accordancewith Clause 9 of the General Terms andConditions – Personal or Business(whichever is applicable).

24.2 Where We have exercised Our rights underClause 24.1 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. If We have notcontacted You in advance and a paymentinstruction from You is refused We will try tomake this information available to You on the24 Hour Telephone Banking Service. You canalso get this information if You contact Us.See the section in Part 1 of the GeneralTerms and Conditions - Personal or Business(whichever is applicable) “How You cancontact Us”. We will replace Your TelephoneBanking Security Information and the 24Hour Telephone Banking Service as soon asreasonably practicable after the reasons forstopping its use cease to exist.

24.3 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.

24.4 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.

24.5 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 Clause24.5 will apply save that the period of noticecan be less than two months but will alwaysbe at least thirty days.

24.6 If Your Account is terminated in accordancewith the provisions of the General Terms andConditions,then Your 24 Hour TelephoneBanking Service will be automaticallyterminated.

24.7 If Your 24 Hour Telephone Banking Service isterminated in accordance with this Clause24, then each User’s access to the 24 HourTelephone Banking Service in relation to YourAccount will automatically be terminated.

24.8 If a Nominated User's Mandate is withdrawnin accordance with Clause 7, then thatNominated User's access to the 24 HourTelephone Banking Service in relation to YourAccount will automatically be terminated.


55

24.9 Any termination of this agreement or the useof a User’s 24 Hour Telephone BankingService is without prejudice to any accruedrights and/or remedies.

Disputes25. In relation to any dispute the properly

authenticated messages as archived on Ourequipment shall be admissible as evidence ofthe contents of those messages.


56

Special Terms andConditions - eBanking

These are the Special Termsand Conditions which apply toeBanking. These Special Termsand Conditions are in additionto the General Terms andConditions – PersonalAccounts and to any otherSpecial Terms and Conditionsthat apply to Your Account orService. Unless otherwisestated, where these SpecialTerms and Conditions foreBanking are not consistentwith any of the otheraforementioned Terms andConditions then the SpecialTerms and Conditions foreBanking will apply to theextent of that inconsistency inrelation to the operation of theeBanking Service.

Special Terms and Conditions for eBanking

Sect ion 4Full eBanking Service Mobile Bank UK App Tablet Bank UK App Danske Bank Apple Watch App

How do I get started? Register for eBanking. Register for eBanking. Register for eBanking.

Register for eBanking and have downloaded theMobile Bank UK App to your iPhone to pair theApple Watch with your iPhone. Once you have donethis you can use the Watch app to select theDanske Bank Apple Watch App from the list ofavailable Apps on your Apple Watch. Ensure the‘Remember User ID’ option is selected on theMobile Bank UK App.

I have received my UserID, Temporary Passcodeand Security Card. Whatdo I do next?

Follow the instructions in our “Setup guide for eBanking”.

Follow the instructions in our “Set upguide for eBanking” Your first log on mustbe on the Full eBanking Service.

Follow the instructions in our “Set upguide for eBanking” Your first log onmust be on the Full eBanking Service.

Follow the instructions in our “Set up guide foreBanking” Your first log on must be on the FulleBanking Service.

I have logged on withAccess ID. What do I donext?

You can start using our full eBankingservice.

Log on to the App Store and download theMobile Bank UK App. You will find this ifyou search under Danske Bank.Click on the ‘Log-On’ button on screen. Follow the instructions on screen to logon and use Mobile Banking.

Log on to App Store and download theTablet Bank UK App. You will find this ifyou search under Danske Bank.Click on the 'Log-On' button on screen.Follow the instructions on screen to logon and use Mobile Banking.

You must have your iPhone and your Apple Watchon your person in order to access the Danske BankApple Watch App. You can then access the App onyour Apple Watch by inputting your 4 digiteBanking passcode.

What services can I use?

A list of the functionality availablevia the Full eBanking Service isavailable on Our websitewww.danskebank.co.uk and can bechanged from time to time. We willadvise You of changes tofunctionality by sending You asecure mail.

A list of the functionality available via theMobile Bank UK App is available on Ourwebsite www.danskebank.co.uk/ in the‘help’ section on the App and can bechanged from time to time. You willreceive a notification of changes to thefunctionality on Your Mobile Device andYou will need to download the latestversion of the Mobile Bank UK App via theApp store.

A list of the functionality available viathe Tablet Bank UK App is available onOur website www.danskebank.co.uk/ inthe ‘help’ section on the App and can bechanged from time to time. You willreceive a notification of changes tofunctionality on Your Mobile Device andYou will need to download the latestversion of the Tablet Bank UK App viathe App store.

A list of the functionality via the Watch app isavailable on Our website www.danskebank.co.uk.You can :-select 3 of your accounts and be able to view thebalance and transactions that have taken place inthe previous 24 hours -select 1 of your current accounts – on which youthen get an overview of your spendingWe reserve the right to change the availablefunctionality from time to time but if we do we willsend you a secure mail to advise you.

How much does it cost?

eBanking is currently free fromcharges by the Bank, however youshould refer to Your Mobile Phoneservice/internet provider for anyadditional charges that could beimposed by them.

eBanking is currently free from chargesby the Bank, however you should refer toYour Mobile Phone service/internetprovider for any additional charges thatcould be imposed by them.

eBanking is currently free from chargesby the Bank, however you should referto Your internet provider for anyadditional charges that could beimposed by them.

eBanking is currently free from charges by theBank, however you should refer to Your MobilePhone service/internet provider for any additionalcharges that could be imposed by them.

Can I use eBankinganywhere in the world?

Yes however You should refer toYour Mobile Phone service/internetprovider for any additional chargesthat could be imposed by them.Before making any payment usingeBanking when You are abroad Youshould check that it is permitted bylocal law.

Yes however You should refer to YourMobile Phone service/internet providerfor any additional charges that could beimposed by them. Before making anypayment using eBanking when You areabroad You should check that it ispermitted by local law.

Yes however You should refer to Yourinternet provider for any additionalcharges that could be imposed by them.Before making any payment usingeBanking when You are abroad Youshould check that it is permitted bylocal law.

Yes however You should refer to Your internetprovider for any additional charges that could beimposed by them. You cannot make a paymentusing the Danske Bank Apple Watch App.

Technical RequirementsPlease refer to Our websitewww.danskebank.co.uk

Please refer to Our websitewww.danskebank.co.uk



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Part 1 - General Information about eBanking

1. Our eBanking ServiceDetails of how to use our eBanking Service are setout in the table below. Please note that not alleBanking Services are available through Our MobileBank UK App or Tablet Bank UK App;You accept that by using a Mobile Device to accesseBanking You will only have access to a reducedservice. Full details of the range of servicesavailable can be viewed on Our website. You willneed to log on to full eBanking atwww.danskebank.co.uk regularly to access all theavailable services. We recommend You do this atleast every 30 days.

It is important that You only download Apps inaccordance with the Terms and Conditions that Youhave agreed with the App Store.

We may update the services offered via OureBanking Service from time to time.

If: You registered for eBanking more than six monthsago but have never logged on, You will need to f ill ina new agreement to start using eBanking.

2. Electronic Mailbox When You register for eBanking You will be asked ifYou also want to register for Electronic Mailbox. IfYou register for Electronic Mailbox then We willmake Your statements and various othercorrespondence from Us available within ElectronicMailbox and We will not provide Your statements onpaper by post. The Terms and Conditions forElectronic Mailbox are set out at the end of these

Special Terms and Conditions - eBanking. You canview Your Electronic Mailbox using the full eBankingService through the internet network or the App.

3. Terms and ConditionsThese Special Terms and Conditions may be:• accessed and viewed via Our Website and can be printed out by selecting/clicking on the PRINT button on the appropriate page on Our Website; or• obtained by phoning Our eBanking Customer Service on 0345 6031534.

4. Users/Nominated UsersA User will be able to use Our eBanking Service toaccess his/her own Accounts and may be able touse Our eBanking Service to access the Accounts ofanother Account Holder where the person hasprovided a mandate. Accordingly, a User can fallwithin the definition of both “You” (in respect ofhis/her own Accounts) and “Nominated User” (inrespect of the Accounts of another Account Holder)and these Special Terms and Conditions should beread accordingly.

In order to use Our eBanking Service, each User willneed to have an Electronic Signature. For details onhow to obtain an Electronic Signature, pleasecontact Our eBanking Customer Service on 0345 6031534.

We may also permit You and/or a Nominated Userto access other services on Our eBanking Service.You will need to complete additional documentationin order to have or provide access to these otherservices on Our eBanking Service. If You would liketo discuss other services please contact Us on 028 9004 9221.

You and /or a Nominated User must keep YourElectronic Signature safe and secure. Please seeClauses 17 and 19 of these Special Terms andConditions for further details of Your responsibilityin this area.

5. General InformationFor queries concerning the eBanking Servicecontact Our eBanking Customer Service on 0345 6031534.

Calls to the eBanking Customer Service are chargedat local rate. Customers calling from mobiletelephones may be charged a dif ferent rate. Pleaserefer to Your service provider.

You should ensure that each User always exits theeBanking Service by using the "log of f" key on thescreen. This is to prevent any person who uses thecomputer or Mobile Device after the User fromaccessing any of Your Account information. Pleasesee the Security Information on Our Website forfurther information about security and the eBankingService.

The eBanking Service (including Mobile Banking)may be temporarily unavailable for periods ofroutine maintenance.

Part 2 - Special Terms and Conditions - eBanking

DefinitionsThe Definitions in the Bank’s General Terms andConditions - Personal Accounts apply. In additionthe following definitions apply to these SpecialTerms and Conditions


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“App” means the eBanking Service available whenusing a Mobile Device to which Our Mobile BankingApplication has been downloaded from the AppStore (or such other stores as may offer Our MobileBanking Application from time to time) whichenables the electronic receipt and transmission ofinformation (including in relation to an Account).“App Store” is a digital distribution platform formobile and tablet Apps for specif ic operatingsystems. The App Stores and associated operatingsystems We have developed Apps for can be foundon Our Website.“eBanking Service” means the range of eBankingServices as summarised in the table set out in Part1- Section 1 of these Special Terms and Conditions -eBanking (under the heading ‘Our eBanking Service’).We make available through the internet network, orthe App. The eBanking Service available throughMobile Banking will not include all the functionswhich are available when using the Full eBankingService. The eBanking Service enables theelectronic receipt and transmission of information(including in relation to an Account), the making ofpayments from Your Account, and the electronicsigning of certain documents We may send to Youfor signature via Our eBanking Service.“Electronic Signature” has the meaning set out inthe Electronic Signature Terms and Conditions.“Electronic Signature Terms and Conditions” meansthe Electronic Signature Terms and Conditionswhich each User must accept as a pre-conditionbefore using Our eBanking Service.“Help Pages” means the pages on Our Website andon the eBanking Service web pages on Our Websitewhich explain how the service operates and how toperform various functions associated with theservice, as updated from time to time. “Mobile Banking” means the eBanking Service thatis available through a Mobile Device.

"Mobile Banking Application" means the DanskeBank App which We make available for use with aMobile Phone or iPod touch known as 'Mobile BankUK' and or the Danske Bank App which We makeavailable for use with tablet devices known as 'TabletBank UK'.“Mobile Device” means a Mobile Phone, iPod touch,watch, tablet device or any other internet enableddevice which You use to access Your Account.“Mobile Phone” means the internet enabled mobiletelephone device which You use to access yourAccount.“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 7 and in accordancewith these Special Terms and Conditions; and

(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 (as specif ied in theMandate(s) relating to the Nominated User)through the eBanking Service all inaccordance with the provisions of theseSpecial Terms and Conditions.

“Page” means the content that is contained in theprinted copy format of these Special Terms andConditions, or viewed directly from Our Website.“Spending Overview” means that part of theeBanking Service described in Clause 2(b)."Terms of Use" means Our rules on the use of OurWebsite which are displayed on Our Website, asamended from time to time.

"Third Party Provider" ("TPP") means anindependent provider of services which can offerAccount Information Services or Payment InitiationServices to You.“User” means You (where You are registered as aUser pursuant to Clause 3) and each NominatedUser.“User ID” means the number which We have notif iedin writing in accordance with Our procedures to aprospective User as the User ID applicable to thatUser."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.

1. We offer to make available to You and anyNominated User the eBanking Service subjectto these Special Terms and Conditions. Youmay access other services from the eBankingService . Where You do so the terms andconditions for those other services will alsoapply. Age restrictions may apply as set out inany Special Terms and Conditions for YourAccount. You will not be able to download theApp if You are under 13. You will be requiredby the App Stores to obtain parental consentto download the App if You are aged 13 – 18.

2(a) 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. Ifthere is any point You do not understand Youshould contact Us before proceeding. We willrely on these Special Terms and Conditions,and You will be bound by these Special Terms


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6.1 You agree and acknowledge that an instructionfrom a User to Us using the correct ElectronicSignature (or at least 2 of the componentparts of Your Electronic Signature – as set outin Clause 6.2) via the eBanking Service will betreated by Us as Your consent to comply withthat instruction and We will treat it as a validand irrevocable authority for Us to follow thatinstruction. Accordingly, We may (subject toany legal or regulatory requirements, withoutenquiring into the purpose or circumstancesof the instructions or transaction) honoursuch instruction even if such instructioncauses an Account to become overdrawn.

We are liable only for the execution of apayment transaction in accordance with theSort Code and Account Number (or whereapplicable the BIC and IBAN) for the Payee'sAccount that You have given to Us. This is thecase even if You have given Us additionalinformation about the Payee.

This consent to make a payment out of YourAccount cannot be withdrawn once We havereceived an instruction. However, if theinstruction relates to payment by direct debit,standing order, or other future dated payment,please refer to Clause 5.5 of the GeneralTerms and Conditions – Personal Accounts.

6.2 You agree and acknowledge that We maypermit a User to access certain informationand give certain payment instructions usingMobile Banking without requiring the User toinput all of the component parts of theElectronic Signature. For example We willrequire a User to input their User ID andPersonal Passcode, but not the code from theSecurity Card, to (i) access information such

advice about the appropriateness or possibleconsequences of any actions You might decideto take as a result of the information provided.

3. 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(a) above; and(b) has accessed the eBanking Service using

the User’s Electronic Signature inaccordance with the Electronic SignatureTerms and Conditions.

We will register You, or in the case of a NominatedUser, the Nominated User, as a User of the eBankingService in accordance with these Special Terms andConditions. Once a User is registered, the User mayuse the eBanking Service in accordance with theseSpecial Terms and Conditions.

4. A User may continue to use the eBankingService unless: (a) the eBanking Service is cancelled or

terminated under these Special Terms andConditions;

(b) access for that User to the eBankingService is denied under these SpecialTerms and Conditions; or

(c) where that User is a Nominated User, theMandate provided by You in relation to thatNominated User is revoked by You.

5. It is a condition of use of Our Website and the

eBanking Service that the User accepts theTerms of Use and agrees to follow theinstructions given in the Help and InformationPages.

and Conditions, as soon as You take any of thefollowing steps:(i) when You, or in the case of a Nominated

User, the Nominated User accept theAgreement on Electronic Signature (Youmay be asked to do this when You sign aCustomer Agreement with Us or when Youask to become registered for eBanking);

(ii) when You complete the Mandate(s)referred to in Clause 7 below;

(iii) when You, or in the case of a NominatedUser, the Nominated User, select and/orclick on the “SIGN” button on Our eBankingagreement within eBanking.

2(b) Spending OverviewWhen You register for eBanking You willautomatically be given access to SpendingOverview provided that You are at least 18years old. Spending Overview is a tool whichwill automatically categorise most of thepayment transactions on any currentaccounts and credit card accounts that Youhold with Us. We will assign categories usinginformation that is available to Us - such asdata which is provided to Us with the paymenttransaction. We cannot guarantee that thecategorisation is accurate or suitable for Yourpurposes.

You will be able to change the categorisation.Where You or any Nominated User change acategorisation then this will immediately applyto the Account. Further information on thefunctionality within the Spending Overview isavailable on the Help Pages.

Spending Overview is made available for Yourinformation only and does not constitute

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permitted by these Special Terms andConditions), or resell or otherwise make all orany part of Our eBanking Service available to athird party (other than as permitted by theseSpecial Terms and Conditions). You agree thatby downloading the App to access eBankingYou will comply with the Terms and Conditions(or other applicable legal agreement includingany licence under which the App may bedownloaded).

11. Access to the eBanking Service will be deniedto a User if the User enters an incorrectElectronic Signature on three consecutiveoccasions. If this occurs then You or theNominated User should contact Our eBankingCustomer Service on 0345 6031534.

12. You and/or the Nominated User shall adviseUs without delay if You and/or he/sheencounters any interruption or failure of theeBanking Service. It is Your and/or theNominated User's responsibility to use othermeans of ef fecting transactions and givingand obtaining information if for any reason theeBanking Service is unavailable for use ormalfunctioning. Where reasonably possible,We will advise You and/or the NominatedUser of the alternative means to be used tocommunicate information and operatinginstructions during the period the eBankingService is interrupted. We will do this via OurWebsite.

13. You may use the services of a Third PartyProvider to access Your Accounts using YourElectronic Signature. Where the Third PartyProvider uses Screen-scraping techniques to

electronically if You use the electronicmessaging facility which is part of OureBanking Service. A Nominated User's right touse the eBanking Service to access and/oroperate an Account will be withdrawn whenYou have notif ied Us of the date from whichYou want that to happen.

8. Subject to Clause 7, You are liable for any useor operation of an Account by a NominatedUser as if the Account had been used oroperated by You. You should ensure that anyNominated User has been told that it isimportant that they read and understandthese Special Terms and Conditions. You mustalso ensure that the Nominated User complieswith all Your obligations under these SpecialTerms and Conditions.

9. You and any Nominated User agree andacknowledge that:(a) (subject to Clause 28) a payment

instruction which is received after theCut-off Time will be processed on the nextBusiness Day after the instruction is given;and

(b) the balance information for an Accountmay include uncleared items.

Details of Cut-of f times and other informationrelating to timing of payment transactions areset out in the Payment Table provided in theGeneral Terms and Conditions – PersonalAccounts.

10. You and any Nominated User agree that Youand any Nominated User shall not make use ofall or any part of Our eBanking Service or anyinformation available on Our eBanking Serviceon behalf of any third party (other than as

as balance information or mini statementinformation, (ii) transfer funds betweenAccounts held with the Bank which are in Yoursole name, in the joint names of You andanother person(s), or on which You have amandate and (iii) electronically sign certaindocuments We may send to You via OureBanking Service. We will not permit anyinstruction, via Mobile Banking, to make anyother payment out of Your Accounts, withoutrequesting that the code from the User’sSecurity Card is input. We will always requirethe User to input all 3 component parts oftheir Electronic Signature to log on to Our FulleBanking Service. When We ask the User toauthorise a transaction, confirm aninstruction to Us, or electronically sign anydocument using the Full eBanking Service Wewill ask the User to confirm the User ID andinput the User’s Personal Passcode. We mayrequire the User to input the code from theirSecurity Card. We will treat an instruction soauthorised as Your consent to comply withthat instruction as referred to in Clause 6.1.

6.3 You agree and acknowledge that anyagreement which has been signed by Youusing Your Electronic Signature will be treatedby Us as a validly executed and enforceableagreement between You and Us.

Nominated User7. We may allow You to nominate a person as a

Nominated User to access and/or operate anAccount. We will ask You to complete aMandate. You may notify Us in writing that Youwish to amend or revoke the Mandate(s) whichYou have executed in respect of a NominatedUser. You may notify Us electronically, but forsecurity reasons, You may only do so

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(d) Never respond to an email, SMS (textmessage) or telephone request, evenwhere this appears to be from Us, whichasks You to disclose Your ElectronicSignature or any part of it. The Bank willnever send You an email, SMS (textmessage) or telephone You to seek thisinformation. If You receive an email. SMS(text message) or a telephone call of thisnature then it is likely to be fraudulent;

(e) Never record or store Your ElectronicSignature (other than the Security Card)anywhere without at f irst takingreasonable steps to disguise it. If Youprovide Your Electronic Signature to a TPPthe TPP must not store it unless the TPPis providing You with Account InformationServices and it is necessary to store theElectronic Signature to provide thatservice. If the TPP is providing You withAccount Information Services and is usingScreen-scraping techniques it may be ableto access Your information even if it onlyhas the User ID and Personal Passcode;

(f) Never copy Your Personal Passcode orUser ID to Your Mobile Device or computerwithout at f irst taking reasonable steps todisguise it. Never take a photograph orotherwise copy Your Security Card to YourMobile Device or computer; and

(g) Immediately report to Us if Your PersonalPasscode or Security Card is lost or stolenor You think someone else, who is not aThird Party Provider which You haveprovided the information to for thepurposes of accessing Your Accountsusing their services, knows it You shouldcomply with Clause 19.

Signature is made up of Your User ID, YourPersonal Passcode and the code orcombination that We ask You to input fromYour Security Card. You must:(a) Destroy the PIN notif ication as soon as

You have used it. The PIN notif ication willadvise You of the confidential personalidentif ication number that You must usewhen You f irst log-on to the eBankingService. You will be prompted to changethis PIN when You f irst log-on and thenumber that You choose is known as YourPersonal Passcode;

(b) Unless You are using the services of a TPP,never permit any other person to use YourElectronic Signature. If You wish to permitany other person to use Your Account thenYou should ask Us to give You the relevantapplication form to appoint that person asa Nominated User;

(c) Never disclose Your Electronic Signatureto any other person (not even the police orBank staff) unless that other person is aTPP which You have provided theinformation to for the purposes of usingtheir services to access Your Accountsand You have taken reasonable steps tosatisfy Yourself that that TPP isauthorised and regulated by the FCA oranother European Regulator. You can checkthat this is the case by visiting the FCAwebsite or the European Banking Authoritywebsite. TPPs are obliged by the PaymentServices Regulations to ensure that YourElectronic Signature is not accessible toother persons and to ensure that YourElectronic Signature is transmittedthrough safe and eff icient channels whenYou use their services;

access Your Accounts then the TPP will beaccessing Your eBanking Service and We will notbe able to restrict what the TPP can do. Wherethe TPP accesses Your Accounts using the OpenBanking APIs the TPP will not be accessing theeBanking Service. Instead You will be asked toinsert Your Electronic Signature within adedicated secure webpage provided by Us.Further information is available in the GeneralTerms and Conditions – Personal Accounts atClauses 5.5.9 and 8.

Fees14. When using the eBanking Service,

transactions instructed by You and anyNominated User for payment of bills from anyof Your or the Nominated User's credit cardaccounts will be treated as cash advances andcharged in accordance with the terms andconditions (and current tarif f whereapplicable) relating to Your or the NominatedUser's credit card agreement which have beenprovided to You or the Nominated User.

15. Any fees and service charges will becalculated and applied in accordance with Our‘Fees and service charges explained’ leaf lets.

Your Responsibilities16. You and any Nominated User are responsible

for the acquisition, operation and maintenanceof computer and communications equipment(including Mobile Devices) which cancommunicate with the equipment andsoftware used by Us from time to time inconnection with the eBanking Service.

17. You must take all reasonable steps to keepYour Electronic Signature safe. Your Electronic

62


Payment, a User does not provide thecorrect sort code and account number forthe Payee);

(d) for any delays or errors by other parties(for example, the failure of a f inancialinstitution to credit or debit an Account ina timely manner);

(e) for any loss of profit, loss of revenue, loss ofdata, loss of use, loss of goodwill, loss ofsavings, interruption of business or claims ofthird parties or any other costs or losses,whether caused to You or a third party, thatare indirectly caused by the event which ledto any claim against Us, unless specificallystated in these Special Terms and Conditionseven if We have been advised of thepossibility of such loss or damage;

(f) for any reliance placed by You or anyNominated User on any part of OurWebsite or these Special Terms andConditions which may have been stored orretained by You or any Nominated Userand which may be out of date or otherwiseamended (where applicable, in accordancewith these Special Terms and Conditions)at any time and from time to time. You canview our current Terms and Conditions onour website www.danskebank.co.uk;

(g) for losses or damage which arises due toany failure or defect in Your or anyNominated User’s software or systems; or

(h) for losses or damage which arises due toany modif ication of Your ElectronicSignature (other than by Us).

19.2 Further details about Your liability and Ourliability are set out in Clauses 6 and 7 of theGeneral Terms and Conditions - PersonalAccounts.

20. You are liable for any breach by a NominatedUser of these Special Terms and Conditions asif such breach has been committed by You.

21. You will be liable for any loss or damageincurred by another party due to breach ofthese Special Terms and Conditions by You orby any Nominated User where such breachconstitutes fraud or negligence by You or byany Nominated User and You shall reimburseUs for any such claims made against Us byother parties and for any costs incurred inrespect of such claims.

22. Without prejudice to the provisions of Clause7 in the General Terms and Conditions, Youand each Nominated User acknowledge that,subject to Your and their rights implied at lawwhich cannot be excluded, We are not liable: (a) for any breakdown or interruption in the

eBanking Service due to periods ofplanned downtime, including, withoutlimitation, for routine maintenance tocomputing or electronic or othercommunications equipment;

(b) for any breakdown in, interruption orerrors caused to Your or the NominatedUser’s computer, computing equipment orMobile Device as a result of using theeBanking Service;

(c) to a Payee where a User providesincorrect information (for example, where,in the case of a Domestic Electronic

18. You must ensure that a Nominated Usercomplies with the provisions of Clause 17 andthe guidance contained therein in relation totheir Electronic Signature.

Your Liability19.1 If:

(a) a User's Electronic Signature becomesknown (or You or the Nominated Usersuspects it has become known) to anyoneother than the User or a TPP which isauthorised and regulated by the FCA oranother European Regulator and which hasbeen authorised by You or the NominatedUser;

(b) You or the Nominated User become awarethat a computer which a User uses toaccess and use the eBanking Service inrespect of Your Account is lost, stolen orfraudulently accessed;

(c) You or the Nominated User become awareof any unauthorised transaction or erroron an Account using the eBanking Service;or

(d) You or the Nominated User think someoneelse, who is not a TPP authorised andregulated by the FCA or another EuropeanRegulator and to which You or aNominated User have given consent, hasor may try to access Your Account.

You and/or the Nominated User must notifyUs without undue delay. You and/or theNominated User can do this by way of any ofthe methods 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.

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with Clause 9 of the General Terms andConditions – Personal Accounts.

27.2 Where We have exercised Our rights underClause 27.1 (a) to (d) We will wherereasonably possible, (and where it would notbe a breach of security or be against the law)give You appropriate notice of Our intention todo so and explain Our reasons. If We have notcontacted You in advance and a paymentinstruction from You is refused We will try tomake this information available to You online.You can also get this information if Youcontact Us. See the section in Part 1 of theGeneral Terms and Conditions "How You cancontact Us". We will replace Your ElectronicSignature and the eBanking Service as soonas reasonably practicable after the reasonsfor stopping its use cease to exist.

27.3 We can terminate these Special Terms andConditions and therefore Your eBankingService by giving You at least two months'notice.

27.4 You may terminate these Special Terms andConditions and therefore Your eBankingService at any time without penalty bynotifying Us in writing.

27.5 If Your Account is terminated in accordancewith the provisions of the General Terms andConditions – Personal Accounts, then YoureBanking Service will be automaticallyterminated.

27.6 If this Agreement is terminated by either Youor Us at a time when You are a NominatedUser in relation to the Accounts of anotherAccount Holder, Your Electronic Signature willremain useable in relation to Your Accountsnotwithstanding such termination and You willcontinue to be bound by these Special Terms

the data transmission line in Ourequipment or software (provided that Wecomply with Our obligations to takeappropriate measures to protect againstunauthorised access by any third party toany of Your or a Nominated User’spersonal data retained by Us).

25. You and any Nominated User acknowledgethat We may reverse the linking of an Accountto the eBanking Service for any reason(including, without limitation, because therelevant Account has been closed).

26. You and any Nominated User acknowledgethat the correctness of information about anAccount which a User obtains through theeBanking Service is subject to checking by Usas part of Our normal procedures and ref lectsthe entries that have been posted to therelevant Account at the time the informationis obtained.

Suspending or terminating Your eBanking Service27.1 We may stop or suspend Your use of Your

Electronic Signature, the eBanking Service orany service on eBanking where:(a) We reasonably believe that a User's

Electronic Signature is at risk;(b) We have reasonable grounds to suspect

unauthorised or fraudulent use of theElectronic Signature or the eBanking Service;

(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; or

(d) We have a legal obligation to do so.We may also refuse to carry out individualtransactions on Your Account in accordance

23. 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 Responsibilities24. We are not responsible for:

(a) Any destruction or loss of or damage toYour or any Nominated User's data or fordelay, errors or omissions in anytransmission of Your or any NominatedUser’s data or for any other eventsaffecting Your or any Nominated User’sdata which occur prior to the data beingreceived by Us or which occur as a resultof transmission over any publictelecommunications network, including theInternet;

(b) Any consequences of the events referredto above, even if the result is non–paymentor multiple payment of, or delay ineffecting, the relevant payment order orother transaction – subject always to theprovisions of Clause 7 of the GeneralTerms and Conditions – Personal Accountsin respect of Your liability;

(c) Any information becoming known to anythird party as a consequence of errors inthe transmission of Your or any NominatedUser’s data or as a consequence of anythird party gaining unauthorised access to

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Variation of these Terms and Conditions29. We may make changes to these Special Terms

and Conditions at any time in accordance withthe provisions of Clause 27 of the GeneralTerms and Conditions – Personal Accounts.We may send You a summary of the proposedchanges using secure mail or using theElectronic Mailbox facility on eBanking whereYou subscribe to that service and where Wehold an email address or mobile telephonenumber for You so that We can send You analert to tell You that the information has beenmade available in Your Electronic mailbox.

29.1 We may update the App from time to time. Youcan download any updates to the App from theApp Stores (or such other stores as may offerOur Mobile Banking Application from time totime). Depending on the update, You may notbe able to use the App until You havedownloaded the latest version and acceptedany new terms and conditions.

ADDENDUM to Special Terms and Conditions foreBanking Agreement for Electronic Mailbox

When You sign up for eBanking and each time thatYou open a new Account We will ask You whetherYou want Us to make Your statements of Accountavailable electronically in Your Electronic Mailbox. IfYou opt for Electronic Mailbox then You will beaccepting the terms and conditions set out in thisAddendum. By choosing to register for ElectronicMailbox You are requesting that all documents,including statements for Your Account are madeavailable to You in Your Electronic Mailbox. Youunderstand that both the number of types andvolume of electronic documents that We will makeavailable in Your Electronic Mailbox will increase.

(c) there is no evidence that Your softwarehas been modif ied or altered, norinterfered or tampered with after deliveryto You.

28.3 If you are not happy with any part of ourservice, please ask us for a copy of our leaf let‘Putting things right for you’ or visit ourwebsite. We aim to deal with complaints in away our customers are satisf ied with.

If you have followed our published complaintprocedures and you disagree with theresponse we have given, you can refer thematter to the Financial Ombudsman Service.Details are available from us or fromwww.financial-ombudsman.org.uk.

Alternatively, if you have a complaint aboutany product or service you bought from usonline and you disagree with the response wehave given, you may use the online disputeresolution platform, which is available onwww.ec.europa.eu/odr to refer the matter tothe Financial Ombudsman Service.

You will also be able to contact the FinancialConduct Authority (FCA) or the PaymentSystems Regulator (PSR) if you think that wehave broken the Payment ServicesRegulations 2017.

The FCA and 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

and Conditions until the Agreement onElectronic Signature is terminated.

27.7 If Your eBanking Service is terminated inaccordance with this Clause 27, then eachUser's access to the eBanking Service inrelation to Your Account will automatically beterminated.

27.8 If a Nominated User's Mandate is withdrawnin accordance with Clause 7, then thatNominated User's access to the eBankingService in relation to Your Account willautomatically be terminated

27.9 The termination of an Agreement onElectronic Signature relating to a User'sElectronic Signature will cause the automatictermination of that User's access to theeBanking Service.

27.10 Any termination of these Special Terms andConditions is without prejudice to any accruedrights and/or remedies.

Disputes28.1 In relation to any disputes the properly

authenticated messages as archived on Ourequipment shall be admissible as evidence ofthe contents of those messages.

28.2 The properly authenticated messages asarchived on Your equipment shall only beadmissible as evidence of the contents ofthose messages if You can demonstrate that:(a) You have ensured that satisfactory

physical and logical security isimplemented and maintained at allmaterial times at Your equipment andpremises; and

(b) there is no evidence that the audit trails ofYour equipment have been modif ied,altered, interfered or tampered with; and

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Documents sent to Your Electronic Mailbox will nolonger be sent to You in paper form through the post.

You agree that You must be logged onto eBankingthrough the internet network or the App to receivethis service. You agree that Your access todocuments to be sent by the Bank to Your ElectronicMailbox is subject to You maintaining an eBankingAgreement with the Bank and that if You cease to bean eBanking customer of the Bank You will loseaccess to Your Electronic Mailbox and its contents.You further understand that Your accepting thisAgreement for Receipt of Documents in ElectronicMailbox does not otherwise change any customeragreements that You have already signed with theBank or accepted by electronic means.

Terms and Conditions for Agreement for Receipt ofDocuments in Electronic Mailbox

These Terms and Conditions for Agreement forReceipt of Documents in Electronic Mailbox (“theAgreement”) constitute an addendum to YourAgreement for use of eBanking (personalcustomers) and incorporate the Special Terms andConditions for eBanking save where otherwiseprovided. 1. We provide an Electronic Mailbox facility via

Our Full eBanking Service available throughthe internet network or the App. The ElectronicMailbox facility is used to makecorrespondence (including statements ofAccount) available to You electronically andwithout the need for any paper copies of thatelectronic mail to be sent to You. The types ofdocuments made available to You through theElectronic Mailbox facility are listed on theeBanking web pages and can be changed fromtime to time; and We reserve the right to send

You mail in either electronic form only, paperform (via ordinary mail) only or both electronicand paper form.

2. You agree to receive electronic mail to YourElectronic Mailbox from Us to the same extentand with the same legal validity as paper-basedmail. You must have registered for OureBanking Service and also the ElectronicMailbox facility if You want to receivedocuments from Us in electronic form underthis Agreement.

3. The Electronic Mailbox facility operates on thebasis that if You have chosen to register forthis Service then all of Your documents whichare made available through Electronic Mailboxwill be made available to You electronically andYou will not be able to deselect any of thosedocuments and ask Us to provide them to Youon paper instead. If You tell Us that You wantsome of Your documents provided to You onpaper then We will treat that as a request toend Your Electronic Mailbox facility.

4. Subject to Clause 3 above, each time that Youopen a new Account with Us We will ask Youwhether You wish Us to make the statementsfor that Account available through YourElectronic Mailbox or whether You wish Us toprovide the statements to You on paper.

5. Documents that You receive in Your ElectronicMailbox could include, by way of example,statements of Account, confirmation notes,payment advices, various statements (annualsummaries, total summaries) and paymentstatements. Full details are listed in ElectronicMailbox within eBanking Service.

The number of types and volume of documentsmade available in Your Electronic Mailbox willgradually increase. If We add a new type ofdocument to the list of documents that aremade available in Your Electronic Mailbox Wewill send You a secure mail to tell You aboutthis. We may also send You an email to let Youknow that We have sent a secure mail to YoureBanking.

6. You can Unsubscribe from Electronic Mailboxat any time. When You unsubscribe We willnot end Your Electronic Mailbox facility.Instead We will not make any moredocuments available to You in Your ElectronicMailbox but You will still be able to view anydocuments that are already stored in YourElectronic Mailbox. You can do this inaccordance with the following instructions:

Log on to eBanking via www.danskebank.co.uk• Click on Electronic mailbox and

agreements• Choose Electronic mailbox• Click on Unsubscribe electronic mailbox, in

the box on the right of Your screen• Click Unsubscribe• input Your Personal Passcode (which is the

4 digit PIN that You have selected as partof Your Electronic Signature) to authoriseYour request to Unsubscribe fromElectronic Mailbox.

You can ask Us to open up Your subscriptionto Electronic Mailbox at any time - but anydocuments sent to You on paper during theperiod when You had ended Your subscriptionwill not be available to view. It can take 7 daysfor Us to reactivate Your subscription forElectronic Mailbox.


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7. You can register for Notif ications withinElectronic Mailbox. This means that We willsend You an alert when We make a documentavailable in Your Electronic Mailbox. You cando this in accordance with the followinginstructions:Log on to eBanking via www.danskebank.co.uk• Click on Electronic mailbox and

agreements• Choose Electronic mailbox • Click on “Go to Documents”• Click on “Settings” in the toolbar at the top

of the screen• Enter Your email address where indicated

8. If You wish to store the electronic documentsYourself, You can either print them or savethem on Your computer.

If You cease to be an eBanking customer Youwill lose access to the contents of YourElectronic Mailbox and You should take suchsteps as You deem appropriate to retaincopies of any electronic mail that We havesent to You. You should be aware that onceYou export information from a secure websiteit will no longer be secure.

9. You are responsible for opening and checkingdocuments made available electronically fromthe Bank. You should check the electronicdocuments carefully as You would ordinary,paper-based documents. Your responsibility isthe same as if the documents were paper-based and had been sent by ordinary mail.

If You do not have access to eBanking for acertain period of time, You must notify theBank immediately whether You wish toterminate Your Agreement and receive paper-based documents by ordinary mail in future, orwant to continue receiving the documentselectronically. You may also temporarilysuspend the delivery of electronic mail (seeClause 6).

10. Your responsibility and the Bank’s liability isgoverned by the Special Terms and Conditionsfor eBanking.

The Bank cannot be held liable for losses toYou arising out of or in connection with Youruse of Your Electronic Mailbox. The Bankreserves the right to send to You documents(which You would normally receiveelectronically as a result of this Agreement) inpaper-based form by ordinary mail.

11. You may terminate this Agreement online byfollowing the instructions on Our web pageand the Bank will terminate the service withinseven days of receipt of Your request to canceland will thereafter send to You Your mail byordinary paper-based mail. The Bank mayterminate this agreement in accordance withthe Special Terms and Conditions foreBanking.

12. The Bank may change the Agreement inaccordance with the Special Terms andConditions for eBanking.

These Special Terms and Conditionssupersede any previously issued Terms andConditions for eBanking.

Copies of the General Terms and Conditions –Personal Accounts and any Special Terms andConditions which apply to an Account orService may be accessed and viewed via OurWebsite and can be printed out by clicking onthe PRINT button on the appropriate page onOur Website; or obtained by asking for a papercopy at Your Branch or by phoning YourBranch.


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Sect ion 5

Special Terms and Conditions for Electronic Signature

“Mobile Device” means a Mobile Phone, iPod touch,watch, tablet device or any other internet enableddevice which You use to access Your Account.“Mobile Phone” means the internet enabled mobiletelephone device which You use to access yourAccount.“Nominated User (s)” means a person who has: (a) been authorised by the Account Holder (or in thecase of a joint Account the Account Holders) and inaccordance with these Terms and Conditions; (b) complied with the requirements which Wespecify shall apply from time to time in respect ofNominated User (including, for example, providingUs with documentation as We may require); (c) been accepted by Us; and (d) accepted the Terms and Conditions to operate anAccount (as specif ied in the Mandate(s) relating tothe Nominated User) through Our eBanking Serviceall in accordance with the provisions of the Termsand Conditions. “Personal Passcode” means the passcode whichYou have created as part of Your ElectronicSignature.“Security Card” means the Access ID card whichWe issue to You from time to time in connectionwith Your Electronic Signature."Third Party Provider" ("TPP") means anindependent prov ider of services which can offerAccount Information Services or Payment InitiationServices to You“User ID” means a user identif ication numberissued to You by Us. "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.

“App” means the eBanking Service available whenusing a Mobile Device to which Our Mobile BankingApplication has been downloaded from the AppStore (or such other stores as may offer Our MobileBanking Application from time to time) whichenables the electronic receipt and transmission ofinformation (including in relation to an Account).“App Store” is a digital distribution platform formobile and tablet Apps for specif ic operatingsystems. The App Stores and associated operatingsystems We have developed Apps for can be foundon Our website.“eBanking Service” means the range of eBankingServices We make available through the internetnetwork or the App. The eBanking Service enablesthe electronic receipt and transmission ofinformation (including in relation to an Account), themaking of payments from Your Account and theelectronic signing of certain documents We maysend to You for signature via Our eBanking Service.The eBanking Service available through MobileBanking will not include all the functions which areavailable when using the Full eBanking Service.Further details are available in the Special Termsand Conditions – eBanking.“Electronic Signature” means Your User ID, YourPersonal Passcode and the code or combinationthat We ask You to input from Your Security Cardwhen used together to access Our eBanking Service.The Electronic Signature is sometimes referred toas Access ID.“Mobile Banking” means the eBanking Service thatis available through a Mobile Device. "Mobile Banking Application" means the DanskeBank App which We make available for use with aMobile Phone or iPod touch known as 'Mobile BankUK' and or the Danske Bank App which We makeavailable for use with tablet devices known as 'TabletBank UK'.

Special Terms and Condit ions forElectronic Signature

These Special Terms and Conditions apply to YourElectronic Signature and are in addition to theGeneral Terms and Conditions – Personal Accountsand to any Special Terms and Conditions for YourAccount or a Service on Your Account. Unlessotherwise stated where these Special Terms andConditions 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 YourElectronic Signature.

Meaning of Words used in these Special Terms andConditions

The Definitions set out in the Bank's General Termsand Conditions and the Special Terms andConditions for eBanking apply. In addition thefollowing definitions apply to these Special Termsand Conditions

"Access ID" means the name that We sometimesuse to describe Your Electronic Signature.“Account Holder” means a person who has anAccount held either (a) in that person's own name; or (b) jointly with any other person(s). “Agreement” means the agreement on the use of anElectronic Signature concluded on these SpecialTerms and Conditions.“Agreement ID” means the code used to identifyany agreement, document, request or instructionthat is electronically signed by You via Our eBankingService which will automatically change if thecontent of the individual agreement, document,request or instruction changes.

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to provide Us with when you access eBanking.There are 90 such codes or combinations ona Security Card. We will issue You with a newSecurity Card when there are 30 such codesor combinations remaining on Your SecurityCard. You can change the Security Cardreorder frequency to meet your individualneeds. This can be done by You withineBanking 'Change Security Card settings' orby contacting Your Branch. When all of thecodes are used You should destroy the oldSecurity Card and start using the newSecurity Card. Details about how to read YourSecurity Card are available in Our eBankinghelp pages.

1.2 Use of Your Electronic Signature1.2.1 when accessing Your Accounts using

eBanking

You agree and acknowledge that We maypermit You or a Nominated User to accesscertain information and give certain paymentinstructions in Mobile Banking withoutrequiring You or the User to input all of thecomponent parts of the Electronic Signature.For example, in Mobile Banking, We willrequire You or the User to input Your or theUser’s User ID and Personal Passcode, butnot the code from the Security Card, (i) toaccess information such as balanceinformation or mini statement information and(ii) transfer funds between Accounts held withUs which are in Your sole name, in the jointname of You and another person(s) or onwhich You have a mandate. We will not permitany other instruction to make payments out ofYour Accounts on Mobile Banking without

Personal Passcode (a 4 digit personal identif icationnumber which You can change) and the code orcombination from Your Security Card that We willask You to provide . The information which We willask You to provide from Your Security Card willchange on each occasion that You use YourElectronic Signature.

1.1 Creating Your Electronic SignatureYou will be sent a temporary passcode, a UserID and a Security Card. You can access OureBanking System as soon as you havereceived these items. Your temporarypasscode, User ID and Security Card arepersonal to You and should not be provided to,disclosed to or copied to anyone else.You use the temporary passcode and User IDthe f irst time that You log on to Our eBankingService to create a Personal Passcode whichmust contain four numbers. Once You havecreated Your Personal Passcode You shoulddestroy the letter from Us which contained thetemporary passcode.

You will then use Your User ID, PersonalPasscode and Security Card each time Youwant to access Our eBanking Service.

You can use Your Electronic Signature atalmost any computer.

If You have not used Your temporary passcodewithin fourteen (14) days of receiving theletter from Us containing it, You will need tocontact Us so that We can issue You with anew temporary passcode.

Your Security Card will contain a number ofcodes or combinations which We will ask You

“You” or “Your” means the person requesting anElectronic Signature to gain access to Our eBankingService.

General information An Electronic Signature will provide You with asecure method to access Our eBanking Service.

Subject to Clause 5.5.9(d) in the General Terms andConditions - Personal You will be able to use YourElectronic Signature (i) to access Your Account or Accounts through

Our eBanking Service and also the Account orAccounts of other Accounts Holders who haveexecuted the Mandate(s) required by Usauthorising You to access and/or operate theirAccount or Accounts through Our eBankingService.

(ii) to access Your Accounts using the services ofa Third Party Provider.

(iii) to electronically sign certain documents Wemay send to You for signature via OureBanking Service. Any document which Youelectronically sign will be given an AgreementID and will be stored under “Statements andagreements” in Our eBanking Service.

Once You have agreed to accept these Terms andConditions, You will be given a temporary passcode,a User ID and a Security Card which You will use tocreate an Electronic Signature. Your ElectronicSignature is personal to You and You must take allreasonable steps to keep it safe. We set out thesteps that You must take to keep it safe in Clause2.2 of these Special Terms and Conditions -Electronic Signature.

Your Electronic Signature will consist of Your UserID (which will be sent separately to You), Your

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requesting that the code from Your or theUser’s Security Card is input.

In Our Full eBanking Service We will alwaysrequire the full Electronic Signature to be usedto log on to the Service. When We ask You toauthorise a transaction, confirm aninstruction to Us or electronically sign adocument using the Full eBanking Service Wewill ask You or the User to confirm the User IDand input the 4 digit Personal Passcode. Wemay require You or the User to input the codefrom the Security Card. We will treat that asYour consent to comply with Your instruction.

When You access Your Account using theservices of a Third Party Provider which usesScreen-scraping techniques then You will beaccessing Your Accounts using the eBankingService.

1.2.2 when accessing Your Accounts using theServices of a Third Party Provider via theOpen Banking APIs

You can use Your Electronic Signature toaccess Your Accounts using the services of aThird Party Provider which uses the OpenBanking APIs. If this applies then You will notbe accessing eBanking but You will beredirected to a secure webpage on OurWebsite where You will be asked to insertYour Electronic Signature so that We canidentify You and so that You can authenticatethe payment request or the request forinformation about Your Accounts. Furtherinformation about using Third Party Providersis set out in the General Terms and Conditions– Personal Accounts at Clauses 5.5.9 and 8.

1.2.3 when signing certain documents that We sendYou for signature via Our eBanking Service

You can use Your Electronic Signature toaccept (or electronically sign) certainagreements that We send to You.

2. Your Responsibilities 2.1 You are responsible for the acquisition,

operation and maintenance of computer andcommunications equipment which cancommunicate with the equipment andsoftware used by Us from time to time.

2.2 You must take all reasonable steps to keepYour Electronic Signature safe. Your ElectronicSignature is made up of Your User ID, YourPersonal Passcode and the code orcombination that We ask You to input fromYour Security Card. You must:a) When accessing the eBanking Service

always make sure that the websiteaddress has changed from ‘http’ to ‘https’and that the padlock symbol is visible inYour browser. Beware of any unexpectedor suspicious ‘pop up’ windows thatappear during Your eBanking session andreport these to Us immediately;

(b) Destroy the PIN notif ication as soon asYou have used it. The PIN notif ication willadvise You of the confidential personalidentif ication number that You must usewhen You f irst log-on to the eBankingService. You will be prompted to changethis PIN when You f irst log-on and thenumber that You choose is known as YourPersonal Passcode;

(c) When selecting the Personal Passcodewhich forms part of Your ElectronicSignature to access the eBanking Service

ensure that all reasonable care isexercised. You should ensure that thePersonal Passcode does not contain acombination of numbers which may beeasy to guess (for example birthdays,consecutive numbers etc);

(d) Never permit any other person to useYour Electronic Signature. If You wish topermit any other person to use YourAccount then You should ask Us to giveYou the relevant application form toappoint that person as a Nominated User;

(e) Never disclose Your Electronic Signatureto any other person (not even the police orBank staff) unless that other person is aTPP which You have provided theinformation to for the purposes of usingtheir services to access Your Accountsand You have taken reasonable steps tosatisfy Yourself that that TPP isauthorised and regulated by the FCA oranother European Regulator. You cancheck that this is the case by checking thethe FCA website at www.fca.org.uk or theEuropean Banking Authority website atwww.eba.europa.eu. TPPs are obliged bythe Payment Services Regulations toensure that Your Electronic Signature isnot accessible to other persons and toensure that Your Electronic Signature istransmitted through safe and eff icientchannels when You use their services;

(f) Never respond to an email, SMS (textmessage) or telephone request, evenwhere this appears to be from Us, whichasks You to disclose Your ElectronicSignature or any part of it. The Bank willnever send You an email, SMS (textmessage) or telephone You to seek this


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information. If You receive an email. SMS(text message) or a telephone call of thisnature then it is likely to be fraudulent;

(g) Never record or store Your ElectronicSignature (other than the Security Card)anywhere without at f irst takingreasonable steps to disguise it. If Youprovide Your Electronic Signature to aTPP the TPP must not store it unless theTPP is providing You with AccountInformation Services and it is necessaryto store the Electronic Signature toprovide that service. If the TPP isproviding You with Account InformationServices and is using Screen-scrapingtechniques it may be able to access Yourinformation even if it only has the User IDand Personal Passcode;

(h) Never copy Your Personal Passcode orUser ID to Your Mobile Device orcomputer without at f irst takingreasonable steps to disguise it. Nevertake a photograph or otherwise copy YourSecurity Card to Your Mobile Device orcomputer;

(i) Never leave Your computer or MobileDevice unattended when logged in and logoff as soon as You have ended YoureBanking session;

(j) Regularly check Your Account recordscarefully. If You notice anything unusualthen You should contact Us immediately;

(k) When required, make adjustments to Yourown equipment and software asnecessary in response to the changesmade by Us to the eBanking Service suchas where We add to or remove, change or

impose restrictions on the functionality ofthe eBanking Service or amend orupgrade Our Website which may meanthat at any one time a stored or retainedcopy of any of the pages of these SpecialTerms and Conditions may be out of date.You can view Our current Terms andConditions on Our websitewww.danskebank.co.uk;

(l) Immediately report to Us if Your PersonalPasscode or Security Card is lost orstolen or You think someone else knows itwho is not a Third Party Provider whichYou have provided the information to forthe purposes of accessing Your Accountsusing their services. You should complywith Clause 2.4; and

(m) Follow the guidance about “security”which can be found on the eBanking pagesof Our Website.

2.3 You must ensure that a Nominated Usercomplies with the provisions of Clause 2.2 andthe requirements contained therein in relationto their Electronic Signature. You must alsoensure that a Nominated User makesadjustments to his/her own equipment andsoftware as provided in Clause 2.2(k) andfollows the general guidance referred to inClause 2.2(m) before accessing the eBankingService.

2.4 If: (a) any correspondence from Us containing

Your temporary passcode, User ID and/orSecurity Card has been, or appears tohave been, opened or tampered with;

(b) Your temporary passcode or YourElectronic Signature or any part of YourElectronic Signature becomes known (orYou suspect it has become known) toanyone else who You have not authorised;

(c) You become aware of any unauthorisedtransaction or error that has arisen usingYour Electronic Signature;

(d) You think someone else has or may try touse Your temporary passcode or YourElectronic Signature and You have notauthorised this; or

(e) You think someone else has or may haveYour Security Card (or a copy of YourSecurity Card).

You must immediately notify Us by telephoning Uson 0345 6031534 and follow the instructions We give to You.

3. Termination 3.1 Your right to use Your Electronic Signature

shall terminate automatically: (a) in respect of any Accounts with Us in Your

sole name, on the termination (at a timewhen those Accounts are the only onesYou are authorised to access and/oroperate through the eBanking Service) ofthe agreement relating to the use of theeBanking Service in relation to suchAccounts;

(b) in respect of Accounts not in Your solename but in relation to which You areauthorised to use the eBanking Service,on the termination of the agreementrelating to the Account Holder(s) use of

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the eBanking Service, or on thewithdrawal of the Mandate in relation toYour use of the eBanking Service inrelation to those Accounts.

3.2 We may end this Agreement by giving You twomonths’ notice, in writing. We may do this forone of the reasons set out in Clause 20 of theGeneral Terms and Conditions - PersonalAccounts

3.3 On any termination of this Agreement: (a) all other agreements entered into by You

for the provision of electronic services byUs, for example, Our eBanking Service,will automatically terminate unless Wenotify You otherwise; and

(b) You shall immediately return all media anddocumentation in relation to YourElectronic Signature to Us.

3.4 Any termination of this Agreement is withoutprejudice to any accrued rights and / orremedies.


Special Terms and Conditions Debit Mastercard Personal Card

“Recurring Transaction” (sometimes knownas a "continuous payment") 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 balance in Your Account, any dailyrestriction on the amount that the Cardholdercan spend when making a Transaction.Spending Limits are subject to change;

“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 ifthe 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 the

Contactless Indicator; “Cardholder” means any person to whom We

issue a Card at Your request (including for theavoidance of doubt, You);

“Cash Transaction” means any cash paymentout of Your Account as mentioned in Clauses5.3 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 5.9;

“Contactless Indicator” means the

following symbol

“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 or5.9;

“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” means the functionalitydescribed in Clause 14;

“Original Credit“ means a payment into YourAccount as described in Clause 6.3;

“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;

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.

“Account” means any personal currentAccount or any personal savings Account forwhich the Card, PIN and/or Debit Number isissued;

“Card” means either a Debit Mastercard Cardissued on Your Account bearing a ContactlessIndicator or a Debit Mastercard Card issuedon Your Account which does not bear a

Sect ion 6

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Cardholder 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 inaccordance 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 on

the 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 tobe 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 which

has 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 obtain 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 cashwithdrawal 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:

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· Not all cash machine providers will of ferthis 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 toprocess the Transaction or series ofTransactions which will appear on Yourstatement as separate entries.

5.3 The Cardholder can use the Card to makewithdrawals from the Account by presentingthe Card at any Danske Bank branch in

Northern Ireland or at a Post Off ice® counter.The Danske Bank Branch will require theCardholder to sign a withdrawal authority. APost Off ice® counter may require theCardholder to sign a withdrawal authority orto use the Card with the PIN to authorise thewithdrawal. The minimum withdrawal amountat a Post Off ice® counter is £1.00 (one poundsterling).

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™ orMastercard 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 and

Conditions 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 Websitewww.danskebank.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 apoint 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,


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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 willimmediately 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 known

at 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 madeavailable 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 amount

of 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.

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 under

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the 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 identify

the 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 The PIN change facilities may be temporarilyunavailable during the period a Card is beingrenewed or replaced.

7.5 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.

7.6 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.

7.7 If the Cardholder intends to travel abroad theCardholder should contact Us to advise thatthe Card may be used outside of the UK. Seethe section on ‘How You can Contact Us’ in theGeneral Terms and Conditions - PersonalAccounts.

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 date


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of 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 sterling(either at the point of sale or whenwithdrawing cash) 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 Card

Exchange Rate (UK) for the relevant currencyfrom Our website at

www.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 or a non-sterling cashfee - whichever is applicable. The current feesare set out in Our 'Fees and service chargesexplained' 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;

(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 oran unarranged excess.

9.4 You must, as soon as the Bank demands,repay any overdrawing which arises asmentioned in Clause 9.3.

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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 Us

without 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 information

which 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 this

appears 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;

· 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 storage


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and 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 theway set 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 - Personal -‘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 for

withdrawing 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 Card

or PIN;(c) Your Account is overdrawn and We believe

that 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 soand 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 the

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Card 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 / orany Function 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. Geoblocking14.1 Geoblocking is a security feature which

provides a Cardholder with a means torestrict the use of a Card. Restrictions can bemade in relation to (a) geographic areas wherethe Card cannot be used and (b) internetTransactions. Geoblocking does not applywhere a Transaction is processed using Chipand PIN technology or for of f line Transactions.The Cardholder can manage the Geoblockingsettings using eBanking, Mobile and TabletBanking or by contacting Us. Details of how tocontact Us are available on Our Website.Where a Cardholder seeks to set a restrictionon the use of the Card using Geoblocking Wewill require them to provide Us with a mobiletelephone number that We can use to contactthem. If the Cardholder does not provide avalid mobile telephone number then We will beunable to contact them or advise them of anyattempted use of the Card which contravenesthe Geoblocking settings that have beenapplied.

14.2 No Geoblocking restrictions have been applied

to a Card, unless We have advised Youotherwise or You have (or a Cardholder has)decided to apply restrictions usingGeoblocking.

14.3 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 Websiteand 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.

14.4 We may decide to apply restrictions on theUse of a Card using the Geoblocking functionfor a reason which is not set out in Clause14.3. We may do this where one of thefollowing reasons apply:(a) to ref lect the introduction or development

of new systems, methods of operation,services or changes in technologyprovided that the change is aproportionate response to the underlyingreason for the change;

(b) to respond proportionately to any changeor expected change in market conditions,general banking practice or the cost ofproviding services to customers;

(c) to respond proportionately to legal or

regulatory changes. This would include:· Changes in general law (including

changes in the laws and/or taxregulations applicable in other legaljurisdictions where the Card may beused),

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

of practice;(d) to change the way that We manage

security settings so that the Cardholder isrequired to specify where the Cardholderwants to use the Card or the categoriesthat the Cardholder wants to use the Cardfor provided that when making any suchchange in respect of the geographic areasWe will take into account the geographicareas where the Card has been used in theprevious 12 month period. In relation tothe categories that the Cardholder can usethe Card for We will take into account thecategories that the Cardholder has usedthe Card for in the previous 12 monthperiod;

(e) Any other valid reason provided that thechange is a proportionate and reasonableresponse to the underlying reason for thechange.

Where we make any change for a reason setout in the Clause 14.4 We will give You 2months notice before the change takes effect.It will be Your responsibility to advise anyCardholder of the change.

14.5 If the Cardholder has provided Us with their

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mobile telephone number then We will sendthe Cardholder a text message to alert them ifan attempt is made to use their Card but thatTransaction has been declined because of aGeoblocking setting. If a Cardholder has notprovided Us with their mobile telephonenumber then We will be unable to alert themto any attempted Transaction. If theCardholder wants to change the Geoblockingsetting then they can do so using one of themethods set out in Clause 14.1. Any suchchange will take immediate ef fect.

14.6 If a Cardholder intends to travel abroad theyshould contact Us before they leave the UnitedKingdom and We will be able to inform them ifany Geoblocking restrictions have beenautomatically applied to their Card whichwould prevent its use in the geographic areawhich they intend to visit.

14.7 Further details about Geoblocking are availableon Our website or by enquiring at Your Branch.

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Sect ion 7Special 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 ensu re 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 n otes 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 de posited 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 reconci liation 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 a resultthe w rong account has been credited with thefunds 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.

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Special Terms and Conditions - Automated Deposit Service

Sect ion 8

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

• Your Eligible Account must remain openand operational with regular credits anddebits being applied to it; and

• 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 the services of a TPP asfollows:(i) You can use a TPP which provides



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 Our 24Hour Telephone and/or eBanking services.You cannot make withdrawals from theAccount at any counter of a Danske Bankbranch 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. 24 Hour Telephone Banking and eBanking The Account must be operated using the

Bank’s 24 Hour Telephone Banking and/oreBanking services and will be subject to theSpecial Terms and Conditions of thoseservices. Details are available on request.Not all of the facilities of fered through Our24 Hour Telephone Banking and eBankingservices are applicable to savings accounts.Both services are also 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;

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 24 Hour TelephoneBanking or 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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will 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.











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


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 We

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 24 Hour TelephoneBanking or eBanking Services.



2.2 A Danske Choice Plus Savings Account isonly available to personal customers who areaged 18 years or over.


by electronic transfer from available clearedfunds. You cannot make any lodgements tothe Account at any counter of a Danske Bankbranch in Northern Ireland.



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will 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.











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


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 We

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 24 HourTelephone Banking or eBanking Services.



2.2 A Savings Account Plus is only available topersonal customers who are aged 16 yearsand over.





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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.

1. Applications Applications to open an Account can be

made by completion of the necessaryapplication form(s).

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.

5. Using the Services of a Third Party Providerto access the Account




Summit Account1. Applications Applications to open an Account can be






4. 24 Hour Telephone Banking and eBanking You may operate the Account using the

Bank’s 24 Hour Telephone Banking and/oreBanking services, subject to the SpecialTerms and Conditions of those services.Details are available on request. Not all ofthe facilities of fered through Our 24 HourTelephone Banking and eBanking servicesare applicable to savings accounts. Bothservices are also subject to periods ofroutine maintenance.

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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.

1. Applications Applications to open an Account can be


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.

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.

any 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.





2.2 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’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 at

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The Account is accessible online. Where Youare registered for eBanking, You can use theservices of a TPP as follows:(i) You can use a TPP which provides



any other Danske Bank Branch in NorthernIreland on presentation of suitable proof ofidentity which should bear the signature ofthe Account Holder.

4. Interest4.1 Credit Interest is payable as set out in Our


5. 24 Hour Telephone Banking and 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 the Bank’s 24Hour Telephone Banking and/or eBankingservices, subject to the Special Terms andConditions of those services. Details areavailable on request. Not all of the facilitiesof fered through Our 24 Hour TelephoneBanking and eBanking services areapplicable to savings accounts. Bothservices are also subject to periods ofroutine maintenance.

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.

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 at

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Midas Gold Account1. 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.


‘Interest rates’ leaf let. You can compare Oursavings accounts on Our Website or byrequesting information from Your Branch..

4. 24 Hour Telephone Banking and eBanking You may operate the Account using the

Bank’s 24 Hour Telephone Banking and/oreBanking services, subject to the SpecialTerms and Conditions of those services.Details are available on request. Not all ofthe facilities of fered through Our 24 HourTelephone Banking and eBanking servicesare applicable to savings accounts. Bothservices are also subject to periods ofroutine maintenance.





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 24Hour Telephone and/or eBanking services.You cannot make any withdrawals from theAccount at any counter of a Danske Bankbranch in Northern Ireland. When You makea withdrawal from Your Account this willaf fect the amount of interest that You receive(see Clause 5 below). You can arrange tohave the annual interest transferred fromYour Account on the date that it is creditedto Your Account. Provided that You make thisarrangement with Us before the date that theinterest is credited to Your Account thetransfer of the annual interest to anotheraccount will not be treated as a paymentfrom Your Account for the purposes ofcalculation 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.


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6. eBanking and 24 Hour Telephone Banking The Account must be operated using Our

eBanking Service. You may also makepayments from Your Account using Our 24Hour Telephone Banking if You are registeredfor that service. Use of Our eBanking and 24Hour Telephone Banking services are subjectto the Special Terms and Conditions of thoseservices.

Details are available on request. Not all ofthe facilities of fered through Our 24 HourTelephone Banking and eBanking servicesare applicable to savings accounts.

Both services are also subject to periods ofroutine maintenance.





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 ofthe 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 Midas Gold 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 the Bank’s eBanking service. Apersonal customer can only open an Accountvia the Bank’s eBanking service in their solename.

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:


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(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 the Bank’s eBankingservice not 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 the Bank’s 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 thedate 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 movementsin the interest rate market. These costs willbe advised to You at the time and may resultin You 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.


93

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 the Bank’s eBankingservice will 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 rol ledover.

(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 Your

Account 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:

We will provide these statements to You on paperunless You have agreed that We may make thesestatements available to You in Your ElectronicMailbox (“e-box”) or where You have BusinesseBanking, Your eArchive, and the terms andconditions applicable to that Service will apply.

94

7. 24 Hour Telephone Banking, eBanking and Business eBanking 7.1 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 the Bank’sBusiness eBanking service, subject to theSpecial Terms and Conditions for thatservice. Details are available 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 Our24 Hour Telephone Banking, eBanking andBusiness eBanking services are applicable tosavings 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,for Your protection, to train Our staf f and tomaintain the quality of Our service.

This service may be temporarily unavailablewhen We are carrying out routinemaintenance.


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

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 is notapplicable to the Danske Fixed Term DepositAccount. In the event of any change inapplicable law or regulation, We reserve theright to vary the terms and conditions of YourDanske Fixed Term Deposit during the f ixedterm.

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.

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Special Terms and Conditions for Treasury Fixed Term Deposit Account

“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 willapply unless We receive Your contrary instructionsin accordance with Clause 3.5 of these Terms andConditions;“Serv ice Account” means an account from Ourcurrent account range, a Business InvestmentAccount, a Midas Gold 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 Treasury FixedTerm Deposit 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 You may only open an Account at a Branch.

2. Cancellat ion rights21. Cancellation rights, as set out in Clause 23

of the General Terms and Conditions –Personal do not apply to the Account.

2.2 Cancellation rights under the FInancialConduct Authority (FCA) Banking Conduct ofBusiness Rules do not apply to the Account.

2.3 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 – PersonalAccounts or Business Accounts (asapplicable).

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 has

Special Terms and Condit ions forTreasury Fixed Term DepositAccount

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.

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 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;

96

been 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. If You do not want Us to rollover the balanceof your 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.

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 the

application 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 Deposit Accounts. InsteadYou will receive a Conf irmation letter.

6.4 Where the Term of your Fixed Term DepositAccount is greater than one month, We willsend 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, eBanking andBusiness eBanking

7.1 You may view, but not operate, a SterlingTreasury Fixed Term Deposit Account usingthe Bank’s Business eBanking Service oreBanking Service, subject to the SpecialTerms and Conditions for that Service.Details are available on request. You cannotview or operate a non-Sterling Treasury FixedTerm Deposit Account using the Bank'sBusiness eBanking Service or eBankingService.


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7.2 You will not be able to hear about or operatethe Account using the Bank’s 24 HourTelephone Banking Service.

7.3 Not all of the facilities of fered through Our24 Hour Telephone Banking, BusinesseBanking and eBanking Services areapplicable to savings Accounts. TheseServices are also subject to periods ofroutine maintenance.

Please note that We may record or monitorcalls to conf irm details of Our conversations,for Your protection, to train Our staf f and tomaintain the quality of Our service.

Call charges may vary. Please contact Yourphone company for details.

8. Variation The terms and conditions for Your Treasury

Fixed Term Deposit Account will not bevaried during the Fixed Term. Clause 27 ofthe General Terms and Conditions (PersonalAccounts) and Clause 26 of the GeneralTerms and Condit ions (Business Accounts) isnot applicable to the Treasury Fixed TermDeposit Account. In the event of any changein applicable law or regulation, We reservethe right to vary the terms and conditions ofYour Treasury Fixed Term Deposit during theFixed 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.


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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 www.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 2017 to 5 April 2018) 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 9

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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].

Can I access the account using the services of aThird Party Provider (TPP)?

If You are registered for eBanking You can accessthe Account using the services of a TPP. TPPs areindependent providers of services in the area ofinternet payments (Payment Initiation Services)and account aggregation services (AccountInformation Services). You can read more aboutthese services in the General Terms andConditions - Personal at Clauses 5.5.9 and 8. Youcan also f ind out more on our website atwww.danskebank.co.uk/psd2ob.

You should only use the services of a TPP which isauthorised and regulated by the FCA or anotherEuropean Regulator.

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.


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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.

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 willcease. We will continue to deal with Your Accountin accordance with the ISA Terms untilinstructions are received from Your legalrepresentative(s).

From 6 April 2015, a surviving spouse or civilpartner is eligible to claim a one-of f AdditionalPermitted Subscription allowance equal to thevalue of Your ISA on the date of Your death, inaddition to their normal ISA allowance, to invest inan ISA.

Please note, this is an additional subscriptionallowance only and does not involve the transfer ofthe actual funds contained within Your ISA. TheISA investments will be dealt with in accordancewith Your estate. The allowance is so a survivingspouse or civil partner can subscribe thisadditional amount to an ISA in their own name sothey retain the tax advantages from Your ISA.

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.

Where the death occurred in the period 3December 2014 to 5 April 2015, the 3 yearperiod starts on 6 April 2015.

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 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 are

available from us or from www.f inancial-ombudsman.org.uk.

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 atwww.danskebank.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 holder tothe value of the ISA(s) held by the deceased withan ISA manager on their death;

“APS Application” incorporating a declaration andauthorisation, means the duly signed APSapplication by which You have applied for a DanskeCash ISA in order to utilize Your APS allowance;

"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 Terms andConditions;

"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;

"Third Party Provider" ("TPP") means anindependent provider of services which can of ferAccount Information Services or PaymentInitiation Services to You.

"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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the person to act on behalf of the AccountHolder. Unless otherwise required byTreasury Regulations, the Danske Cash ISAwill 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 the

law and the Treasury Regulations and may besubject to change in the future.

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 utilize 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 authorises

"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 current

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6. Interest6.1 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.

6.2 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.

7. Transfers out7.1 On the instruction of the Account Holder, an

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 a

to be exempt from tax in accordance withTreasury Regulations, however no furthersubscriptions can be made to the DanskeCash 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].

Tax Year for which the application tosubscribe is made. See the Payment Table inthe General Terms and Conditions for moreinformation 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 continue

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another 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.

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 and

instructions 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.

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 from

Lifetime 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 withthe 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 with

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• 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.

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 be

without the tax benef its of an ISA] untilnotif ication of withdrawal is received by theISA Manager from Your personal legalrepresentatives. Subject to such formalitiesas the ISA Manager may specify, the Bankwill pay the funds in the Danske Cash ISAtogether with any accrued interest to or tothe order of Your personal legalrepresentatives.

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 a one-of fadditional subscription allowance to aDanske Cash ISA, outside of the normalsubscription limit, as set by HMRC, to thevalue of the deceased’s ISA(s) at their date ofdeath.

13.2 The allowance may be claimed whether ornot the surviving spouse inherited thedeceased’s ISA assets.

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;

obligations 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 toany other account You hold with Us; or

• send a cheque payable to You for thisamount.

11.3 On completion of the void, the ISA Managermay close Your Account.

12. Death The tax benef its of an ISA will cease from the

date of Your death. The funds in the DanskeCash ISA together with any accrued interestwill remain in the Danske Cash ISA (but

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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 usingthe Bank's eBanking Service, subject to theSpecial Terms and Conditions of this Service.Details are available on request. Not all ofthe facilities of fered through Our eBankingService are applicable to savings accounts.

Our 24 Hour Telephone Banking andeBanking Services are also subject toperiods of routine maintenance.





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.

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.

required 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.

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.

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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 www.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 £4,128 for tax year 2017/18);

• 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 £4,128 for tax year 2017/18.

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 deposits


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you hold above the £85,000 limit are unlikely tobe covered. Please see the FSCS InformationSheet and Exclusions List atwww.danskebank.co.uk/fscs-personal for more detail.

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 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.

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 Terms andConditions;

“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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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 ISAto 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 withanother ISA manager;

• the whole/partial transfer of a JuniorStocks and Shares ISA held with anotherISA manager, provided the AccountHolder does not hold a Junior Cash ISAwith another ISA manager. Current Year

subscriptions 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).

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.

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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 theAccount (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 Eligible

Child.

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;

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.

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You may not access the Account using theservices of a TPP since the Account is not apayment account under the PaymentServices Regulations 2017.

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.

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 the Bank’seBanking Service, subject to the SpecialTerms and Conditions of this Service.

Details are available on request.


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Sect ion 10

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 www.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™ and Verif ied by Visa™. Danske 3DSecure is a secure way of using Your Card to makepurchases on the internet with participatingorganisations. When You use Danske 3D SecureWe are able to verify Your identity. We do notverify the identity of any organisation that Youcontract with on the internet nor do We make anystatement about the goods or services of anyparticipating organisations that You choose toplace an order with or make a purchase 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, theDanske Visa credit card account or the DanskeMastercard Corporate card account which theAccount holder holds with Us.“Card” means a Debit Mastercard card bearing aContactless Indicator, a Debit Mastercard cardwhich does not bear a Contactless Indicator,Mastercard Debit card, Mastercard credit card,Visa credit card or Mastercard Corporate card (asappropriate) that We have issued to theCardholder for use with Your Account.“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.

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- provided that any such change isreasonable and does not result in an AccountHolder being treated unfairly;

(h) to make these 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) for any other valid reason which is notspecif ied in this Condition provided that thechange is a proportionate and reasonableresponse to the underlying reason for thechange.

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.

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 unforeseeable

indicated. If You do object to the changes,then You have the right to terminate thisagreement without having to pay any extrafees or service charges.

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 provided that thechange is a proportionate response to theunderlying reason for the change;

(c) to maintain or improve operating conditionsor service levels;

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

(e) to respond proportionately 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 codes

of practice which raise standards ofconsumer protection;

(f) to ref lect changes made by the relevant Cardauthentication scheme provider (Verif ied byVisa™ or Mastercard SecureCode™ orMastercard Identity Check™);

(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 set internally)

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 in Our eBanking service) before thechange is made. Once We have given Younotice of the proposed changes, if You do nottell Us that You object to the changes, beforethe date on which they are due to come intoef fect, then they will take ef fect on the date

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Our 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 www.danskebank.co.uk/docs.

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.

(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 notbe 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 and

circumstances 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;

(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.

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Special Terms and Condit ions -Danske Text Serv ice

Special Terms and Conditions for Agreement forReceipt of Unencrypted SMS Messages (“theAgreement”) between You and the Bank throughour Danske Text Service.

These Terms and Conditions are in addition to theGeneral Terms and Conditions – PersonalAccounts and to any other Special Terms andConditions that apply to Your Account. Unlessotherwise stated, where these Special Terms andConditions for Danske Text Service are notconsistent with any of the other aforementionedTerms and Conditions then the Special Terms andConditions for Danske Text Service will apply to theextent of that inconsistency in relation to theoperation of the Danske Text Service. Danske TextService enables You to receive information on Youraccount balance(s) and mini statements by SMSMessage from the Bank. The transmittedinformation is unencrypted and You are advised topay special attention to Clause 4 of thisagreement.

If you want to subscribe for ongoing text alerts Youshould ask Us about Our eBanking service.

1. Def initions The def initions in the Bank’s General Terms

and Conditions – Personal Accounts apply. Inaddition the following def initions apply tothese Special Terms and Conditions.

”Mobile Phone Number” means the mobilephone number which We record when You

register for Danske Text Service as set out inCondition 2c or as notif ied by You to Us inaccordance with Condition 2d.

“Mobile Phone” means the mobile telephonedevice which You use to send and receiveSMS Messages for the Danske Text Service.

“SMS Message” means SMS text messagessent to Your mobile Phone Number.

“You”, “Your” and “Yours” mean theaccountholder who has registered forDanske Text Service under this agreementwith Us.

2. Using Danske Text Service a. When You register for Danske Text Service,

You agree that these conditions will apply inrelation to Your use of Your Mobile PhoneNumber to send or receive SMS Messages toor from Us.

b. When You register for Danske Text ServiceYou agree that the information You providewill be used by Us to validate Your identity.You agree that You will provide Us withcorrect information.

c. When You register for Danske Text ServiceWe will record Your Mobile Phone Number.Once you have registered We will treat anySMS Message from Your Mobile PhoneNumber as a valid request to Us. We will notcarry out any further authentication orverif ication before providing the Danske TextService.

d. If You change Your Mobile Phone Number Youmust notify Us immediately to ensure thatOur records are up to date. Notices underthis Condition should be sent to Us as setout in Condition 26 of the General Terms andConditions – Personal Accounts.

e. Once You have registered Your Mobile PhoneNumber for Danske Text Service You canterminate Your registration by texting theword ‘block’ to 50350 or by contacting yourlocal branch*

* You can call between 8am and 8pm Mondayto Friday and between 9am and 4.30pm onSaturdays and Sundays, except for bankholidays or other holidays in Northern Irelandwhen the bank is not open for business. Wemay record or monitor calls to conf irmdetails of our conversations, for yourprotection, to train our staf f and to maintainthe quality of our service. Call charges mayvary. Please contact your phone company fordetails.

3. Security You must take all reasonable steps to

maintain the conf identiality of theinformation shown or stored on Your MobilePhone. Since your Agreement with Usauthorises Us to send You unencrypted SMSMessages about Your Accounts to YourMobile Phone Number, You should take thefollowing steps to protect Your Accountinformation;

(1) Delete any texts sent or received as soon aspossible;

(2) Do not save the number for the Danske TextService on Your Mobile Phone;

(3) Set a PIN on Your Mobile Phone, change itregularly and keep Your Mobile Phone keypadlocked;

Special Terms and Conditions for Danske Text Service

120

(4) Do not store the Danske Text Serviceinformation card with Your Mobile Phone.

4. Acceptance of unencrypted transmission ofconf idential information

All information is sent via open networks.There is therefore a risk that third partiesmay come into possession of or modify theinformation transmitted. You should also notethat persons with access to Your MobilePhone may gain access to the informationtransmitted.

If You want to ensure that conf identialinformation is not accessible to unauthorisedpersons, You should take the steps set outunder Condition 3 above.

When entering into this agreement, bysending an SMS Message to the appropriatenumber You authorise the Bank to transmitthe requested information in electronic,unencrypted form through thetelecommunications providers chosen by theBank.

We will only send You each SMS Messageonce and you cannot reply to it.

5. Cancellation rights You have a right to cancel the Danske Text

Service at any time.

6. Ending Your Danske Text Service6.1 We may stop or suspend Your use of the

Danske Text Service where We havereasonable grounds for doing so.

6.2 Where We have exercised Our rights underClause 6.1We will where reasonablypossible, (and where it would not be a breachof security or be against the law) give You

appropriate notice of Our intention to do soand explain Our reasons. We will reinstatethe Danske Text Service as soon asreasonably practicable after the reasons forstopping its use cease to exist.

6.3 We can terminate these Special Terms andConditions by giving You at least two months’notice.

6.4 You may terminate these Special Terms andConditions at any time by following theinstructions in Clause 2(e) of these SpecialTerms and Conditions and We will terminatethe service on receipt of your request tocancel.

6.5 If Your Account is terminated in accordancewith the provisions of the General Terms andConditions – Personal Accounts, then YourDanske Text Service will be automaticallyterminated.

6.6 Any termination of these Special Terms andConditions is without prejudice to anyaccrued rights and/or remedies.

7. Your Liability7.1 You must personally register Your Mobile

Phone Number with the Bank beforeregistering for this service . You areresponsible for the accuracy of the datagiven by You and the Bank is not liable if theinformation transmitted by the Bank isinaccurate or received by the wrong person.If Your Mobile Phone Number changes, Youare responsible for notifying the Bank of thechange.

7.2 If Your Mobile Phone is lost or stolen Youmust notify Us without undue delay so thatWe can terminate the Danske Text Service.

You can do this by way of any of the methodsset out in Part 1 of the General Terms andConditions under the heading “How You cancontact Us”. Further details are available inany Branch and on Our Website.Alternatively, you can call us on 0370 850 2481 (local) or

0044 28 9004 9201 (if you are abroad).

8. Our responsibility The Bank is not liable for the loss or

modif ication of data during transmissionfrom the Bank to You.

9. General The Danske Text Service is currently free of

charges by the Bank, however you shouldrefer to Your Mobile Phone service providerfor any additional charges that could bemade by them.

Special Terms and Conditions for Danske Text Service

121

Sect ion 11

Special Terms and Conditions for Personal Current Accounts (Off Sale)

applicable to the Card.

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 the services ofa TPP as follows:(i) You can use a TPP which provides



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.

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.






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.

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 Conditions

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.







122

Special Terms and Conditions for Personal Current Accounts (Off Sale)






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.






4.2 Where You are registered for eBanking, Youcan access the Account using the services ofa TPP as follows:(i) You can use a TPP which provides



ChequeMaster Account 1. The Account is no longer available to new

customers.







Current Account Plus 1. The Account is no longer available to new

customers.


Principal Account 1. The Account is no longer available to new

customers.







Current Account 1. The Account is no longer available to new

customers.

2. No Credit Interest is payable on this Account,See Our ‘Interest rates’ leaf let.



eBanking.

123

Sect ion 12

Special Terms and Conditions for Personal Savings Accounts (Off Sale)

5. You may operate the Account using theBank’s 24 Hour Telephone Banking and/oreBanking services, subject to the SpecialTerms and Conditions of those services.Details are available on request. Not all ofthe facilities of fered through Our 24 HourTelephone Banking and eBanking servicesare applicable to savings accounts. Bothservices are also subject to periods ofroutine maintenance.





Special Terms and Condit ions forPersonal Sav ings Accounts (of f sale)


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 beissued 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.



124

Correct as at 01/2018 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.

www.danskebank.co.uk