Baroda MAX - Online Fixed Rate Bond

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Baroda MAX - Online Fixed Rate Bond"

Transcription

1 Baroda MAX - Online Fixed Rate Bond Frequently Asked Questions (FAQ) 1. Is Bank of Baroda regulated by the Regulatory Authority in UK? Yes, Bank of Baroda is authorized and regulated by the Prudential Regulation Authority and Financial Conduct Authority in UK and our firm Registration No. is Are deposits with Bank of Baroda covered by Financial Services Compensation Scheme (FSCS)? Yes, we are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors including most individuals and small businesses are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to 75,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be 75,000 each (making a total of 150,000). The 75,000 limit relates to the combined amount in all the eligible depositor s accounts with the bank, including their share of any joint account, and not to each separate account. The FSCS Information Sheet and Exclusion Sheet are enclosed as Annexure I and Annexure II. The depositor(s) have to provide acknowledgement for having received this FSCS information. For further information about the scheme (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website or call or , The Baroda MAX Fixed Rate Account is an online, fixed rate, fixed term deposit account for UK residents who already have another account with a UK Bank or Building Society and who can lock away their surplus funds for certain fixed period. 3. Can you give me some background about Bank of Baroda? Bank of Baroda is India s leading Public Sector Bank. Established in the year 1908, we have a banking experience of over 106 years. The Bank has a network of over 5,316 branches in India and a global presence that spans across 104 foreign offices in 24 countries. The Bank serves a global customer base of over 60 million and the Bank s total business size (31 Mar 2015) is over USD ($) 167 Billion. 4. How long has the Bank been in the UK? The Bank has been serving in the UK since Presently we have a network of 10 branches 7 in London (City of London, Aldgate, Kenton, Wembley, Tooting, Southall, 1

2 Ilford) and 3 outside (Manchester, Birmingham and Leicester). For more information p l e a s e v i s i t u s a t w w w. b a n k o f b a r o d a u k. c o m o r e m a i l u s or call us on On Baroda MAX, I completed my online application form however in the end it was not successfully submitted / got abruptly closed. What do I do now? Your application is successfully submitted only if you have received your unique Reference Number. The Reference Number would start with alphabets NC or EC. In case this Reference Number has been generated then you can retrieve your incomplete application form using your reference id, id and password. The id and password are the same that you had submitted while filling the first page of your application form. However if this Reference Number wasn t generated you would need to submit the application afresh. 6. I submitted my application however I have received an informing me that my KYC verification was not successful. Why has this happened and what do I do now? KYC stands for Know Your Customer. It is a mandatory verification procedure that every regulated bank in the UK would need to carry out before opening any account. In case of Baroda MAX online account opening process, we carry out this verification online through an accredited UK agency. Based on information submitted by you, if your KYC verification is unsuccessful, you may still open Baroda MAX account by sending the required KYC documents by post. The complete list of required KYC documents would be ed to you. Please send us the copy of these required KYC documents duly certified by any of the following person: BANKERS ACCOUNTATS SOLICITORS EMPLOYEES OF GOVERNMENT DEPARTMENTS THE PERSON, WHO CERTIFIES THE DOCUMENTS, SHOULD CERTIFY THE COPY BY WRITING (OR STAMPING) ON IT WORDS TO THIS EFFECT". I HAVE SEEN THE ORIGINAL DOCUMENT AND THIS COPY IS FULL AND ACCURATE COPY OF THAT ORIGINAL". THEY SHOULD THEN SIGN THE COPY AND DATE THEIR SIGNATURE, AND PRINT CLEARLY THEIR NAME, CAPACITY UNDER WHICH SIGNED AND CONTACT DETAILS. The certified documents need to be sent to Baroda MAX Team, Bank of Baroda, 32 City Road, London EC1Y 2BD. Please quote your reference number on the back of the KYC documents. On receipt of these documents, we will carry out the manual KYC verification and on successful completion of KYC you will receive an confirmation along with remittance instructions. 2

3 7. What is the maximum amount that I can save with Baroda MAX? You can save a minimum of 500/- and a maximum of 200,000 with a Baroda MAX account. However there is no restriction on the number of Baroda MAX accounts you can have with us. 8. Can I withdraw from my Baroda MAX account? No you can t. Baroda MAX is a Fixed Term bond. Once you have opened a Baroda MAX account with us, you can neither withdraw (except in exceptional situations) nor add any funds to your existing account. However, you do have the option to open new accounts with us. 9. What are the exceptional situations allowing me to withdraw or pre close the account? The exceptional circumstances are critical illness, terminal illness, the death of an account holder or by court order. In these exceptional circumstances, the deposit and the interest due thereupon, up to the date of early closure will be paid. Date of early closure means date of final legal documents received and completion of the required formalities by us. In the event of death of the depositor before the date of maturity of the deposit and amount of the deposit is claimed after the date of maturity, the bank will pay interest at the contracted rate till the date of maturity of the deposit. However from the date of maturity to the date of payment, the bank would pay simple interest applicable operative in savings bank account on the date of the maturity for the period for which the deposit remained with the bank beyond date of maturity. In other cases we may, at our sole discretion, agree to allow early closure of account where we do; payment of interest on the following terms: Provided the deposit has remained with us for a minimum period of one year, the Bank will pay interest at the rate prevailing on the date of application for opening Baroda MAX account, for the term the deposit has remained with us. We will not pay any interest if the deposit amount has not remained with us for at least one year. 10. Is the interest rate fixed or variable? Baroda MAX is a Fixed Rate account and hence the interest rate is fixed/guaranteed during the entire tenure of the bond. 11. How is the interest calculated and paid in my Baroda MAX account? Interest will be calculated daily, compounded annually and paid on maturity 12. When would the interest certificate be issued to me? Interest certificate would be issued on payment of interest in Deposit account. Since Baroda MAX is a fixed term deposit account thus interest certificate would be issued on the date of maturity only, unless the deposit is prematurely closed 3

4 13. What options do I have to fund my Baroda MAX account? Once your KYC verification is successful, you will receive a communication on your registered address advising you the remittance instructions. You could choose between 3 modes of remittance options to fund your Baroda MAX Bond - BACS, CHAPS or Cheque. However please note that be it CHAPS, BACS or Cheque, the funds would need to necessarily come from the same nominated account which was mentioned while completing the Baroda MAX application form. The Cheque may be sent to us at Baroda MAX Team, Bank of Baroda, 32 City Road, London EC1Y2BD. Please note that we DO NOT accept Draft/Banker s Cheque and hence depositors are requested not to send the Banker s Cheque/ Draft to fund their account. In case we receive the same it would be returned by Post 14. Whether Bank of Baroda would request my Bank to transfer money? Bank of Baroda would not request your bank to transfer money by direct debit. You are requested to ensure that your Baroda MAX account is funded with the deposit amount either by CHAPS / BACS / Faster Payment or by sending Cheque to us. 15. Certain Banks and/or Building Societies have restrictions on the maximum amount that can be remitted in one go through BACS/CHAPS. How do I address this situation? In such cases please send us a cheque for the entire amount. 16. Where the cheque should be sent? Please send it to Baroda MAX Team, Bank of Baroda, 32 City Road, London, EC1Y 2BD, UK. 17. Do I need to mention my Reference Number on the cheque? Yes please. Kindly ensure that you mention your Reference Number on the front or reverse of the cheque. 18. Are multiple payments acceptable? No we neither accept multiple payments/remittances against a single application nor a single payment/remittance against multiple applications be it by any mode -BACS, CHAPS/ FASTER PAYMENT or Cheque. In case we receive multiple payments for a single application or single payment for multiple applications, we would be constrained to return the payment/cheque(s) and cancel the application. Hence you are requested to send us a single remittance for the entire amount in order to fund your Baroda MAX Deposit account. 4

5 19. Can I make the remittance in stages? No, the remittance has to be made in full and in one go. Else we would be constrained to return the remittance/cheque and cancel the application. 20. Whether Draft/Banker's cheques are acceptable for funding the Bond account? No, we do not accept remittance made through Draft / Banker's cheque. Applications with remittances received through Draft/Banker s cheque would be cancelled and the same would be returned immediately. 21. What is the significance of linking my existing bank account (nominated account) to my Baroda MAX account? As per the features of the product the proceed on maturity should be remitted to the same nominated account from where the funds have been received by us. Please ensure to submit the nominated applying for Baroda MAX account. 22. I have a Bank account in joint name. Can I nominate this account in order to fund my proposed Baroda MAX account which is in my sole name? Yes. Joint account where you are one of the joint account holders can be nominated to open a Baroda MAX account in your sole name. However you may also note that on maturity, the proceeds would also be remitted back to the same joint account and not to any other account whatsoever. 23. On maturity what options do I have? On maturity you have the following 2 options a) Renew bond for same/different term on the then prevalent rates. b) Receive proceeds / maturity amount in your nominated account or by banker s cheque if your nominated account and / or sort code has changed. However please note that you would need to advise us your option 15 days before maturity. If you fail to do so Bank would auto renew your deposit account for the same term at the then prevalent rate. 24. Whether bond proceeds on maturity would be transferred back to the same nominated account? Yes. Proceeds will always be remitted to the nominated account only and no other account whatsoever. Nominated account is the same account from where the funds were originally received as you had also mentioned while completing the Baroda MAX application, except by Cheque as mentioned in question on On maturity, can I expect to receive the proceeds in different account in case a dispute arises with my joint account holder? In extreme and extra-ordinary situations like disputes, you may approach Bank with all details. Bank reserves the right to take a decision based on its discretion after evaluating related facts and documents on a case to case basis. Disputed parties may 5

6 need to be physically present and provide all necessary and relevant documents for facilitating decision making. 26. Can I send my application by post? As per product features we do not accept applications sent by post. Baroda MAX is an online product and hence depositors would need to necessarily apply online. 27. Would Bank of Baroda send me a postal confirmation of my Baroda MAX account being opened? Baroda MAX is an online product and hence you would receive an online confirmation sent to your registered address mentioned in your application. We do not send confirmation by post. 28. When can I expect to receive a confirmation that my Baroda MAX account is opened? The time taken to receive a confirmation would depend on the mode of remittance of funds. If we receive the remittance/cheque on Day T then you can expect the following:- Mode of We receive Your Account Confirmations Remittance remittance / cheque is opened on sent to you on CHAPS T Day (T+1)st Day (T+2)nd Day BACS T Day (T+1)st Day (T+2)nd Day Cheque T Day (T+6)th Day (T+7)th Day 29. What would the value date for opening of Baroda MAX account? The value date for opening of Baroda MAX account depends upon the date when our bank receives the actual fund. If account is funded through Cheque, we would add two working day in value date after we receive it. 30. Can an amendment be made to my application after submission? No changes or amendments are allowed to applications successfully submitted. However in exceptional cases, we may allow amendment(s) subject to Bank s satisfaction for such request supported by appropriate document(s) 31. What should I do if I need to necessarily make some amendments in the submitted application? In case you are yet to remit the funds, it is advisable you submit a fresh application with amended details. You could also advise us to cancel your earlier application. However, if you have already remitted funds towards the bond application, the modification in particulars can be accepted only in exceptional circumstances after satisfying through appropriate supporting documents otherwise the fund would be remitted back to the account from where it came. 6

7 32. What should I do if I do not want to pay tax on the interest? If you do not qualify for paying tax in the year of maturity of the deposit account you need to send us duly signed Form R85 form in original. This would enable us to not deduct applicable Basic Rate Tax from your interest. 33. Would you require Form R85 from all joint account holders? Yes we would require Form R85 from all joint account holders if they do not qualify for paying tax 34. What is the present Basic Rate Tax? At present, the Basic Rate Tax is 20% of total interest income on your Baroda MAX account. 35. What would happen if applicable Basic Rate Tax (BRT) undergoes a change? If rate of tax (Basic Rate Tax- BRT) undergoes any change effected by the Government then the changed Net interest rate would be payable. The bank will deduct tax at the rate prevailing on the day of maturity or in case of premature payment. 36. Would Bank of Baroda send me a postal confirmation of my Baroda MAX account being opened? Baroda MAX is an online product and hence you would receive an online confirmation sent to your registered address as mentioned in your application form. We do not send any confirmation by post. 37. How can I get Form R85 form for submission? You may download the same by visiting us at or from the website of HMRC at Do I need to send Form R85 to you in physical form? Yes it has to be completely filled out and duly signed by you.. Please mark your Reference Number / Customer_Id/ Account Number on the form. Duly completed and signed form may please be sent to Baroda MAX Team, Bank of Baroda, 32 City Road, London, EC1Y 2BD. 39. What would I do if I have forgotten my password and user id for Net Banking? Please visit us at and click on Net Banking Login. Here click on the link Click here to report problem in Login. Enter your Login ID, Account Number, Contact Number and your bond Reference Number in the Additional Details and submit the request. On receipt of your request we will reset the password and inform on your registered address. In case you are still facing problem or have not received your password within two working days, please send an to for us to resolve. 7

8 40. What is Gross rate of interest? Gross rate is the contractual rate of interest payable before the deduction of Basic Rate Tax specified by law which is 20% currently. Thus it is the rate before the deduction of tax applicable to interest on savings/deposit account. 41. What is Net rate of interest? Net Rate is the rate of interest which would be payable after allowing for the deduction of Basic Rate Tax (BRT) at the specified rate of 20% at present. Thus it is the rate after the deduction of BRT applicable to interest. Higher rate tax payers will have an additional liability. 42. What is Tax Free Rate? Tax Free Rate is the contractual rate of interest payable where interest is exempted from BRT (Basic Rate Tax) For residents, whose income is below the annual tax free income limit, tax exemptions can be obtained by submitting Form R85 to us as also mentioned above. 43. What is AER? AER is the Annual Equivalent Rate and illustrates the interest rate if it was paid and compounded each year It is a notional rate which illustrates the contractual interest rate as if paid and compounded on an annual basis. Thus it is a notional rate which illustrates what the gross rate would be if interest were paid and compounded each year. 44. Difference between Gross Rate and Net rate rates are not actual it is an example and indicative: With a savings account the main focal point will be the interest rate offered. Let us take the interest rates we offer as an illustration Period of AER Gross Basic rate Tax (20%) AER Net payable Bond (A) (B) (A-B) 1 year 1.70 % 0.34 % 1.36 % It is important to note that you will receive net interest unless you have submitted R85 to be entitled to receive gross interest. *************************************************************************************** 8

9 Annexure I FSCS : Information Sheet Basic Information about the protection of your eligible Deposits Eligible deposits in Bank of Baroda are protected by: Limit of Protection: If you have more eligible deposits at the same bank: If you have a joint account with other person(s): Reimbursement period in case of bank s failure: Currency of reimbursement: To contact Bank of Baroda for enquiries relating to your account: To contact the FSCS for further information on compensations: The Financial Services Compensation Scheme ( FSCS ) 75,000 per depositor per bank All your eligible deposits at Bank of Baroda are aggregated and the total is subject to the limit of 75,000. The limit of 75,000 applies to each depositor separately. 20 Working days. Pound sterling (GBP, ) only. Deputy Chief Executive Bank of Baroda Group Control Office 32 City Road London EC1Y 2BD Tel: +44 (0) Financial Services Compensation Scheme 10 th Floor Beaufort house 15 St Botolph Street London EC3A 7QU Tel: or More Information: Acknowledgment of receipt by the Depositor: Signature of Depositor(s): Name of Depositor(s): Customer ID: Account Number: Branch: Place: Date: 9

10 Annexure_II - Exclusions A deposit is excluded from protection if: (1) The holder and any beneficial owner of the deposit have never been identified in accordance with money laundering requirements. For further information, contact your bank, building society or credit union. (2) The deposit arises out of transactions in connection with which there has been a criminal conviction for money laundering. (3) It is a deposit made by a depositor which is one of the following: Credit institution Financial institution Investment firm Insurance undertaking Reinsurance undertaking Collective investment undertaking Pension or retirement fund Public authority For further information about exclusions, refer to FSCS website at 10

Modern Merchant Banking

Modern Merchant Banking Modern Merchant Banking Treasury Summary Box This application form cover sheet provides you with a product summary box for each term currently available. Account name What is the interest rate? Can Close

More information

Modern Merchant Banking

Modern Merchant Banking Modern Merchant Banking Sapphire SIPP fixed term deposit account Application form and guidance notes Applying for the Sapphire SIPP fixed term deposit Please retain pages 1 and 2 for your information.

More information

Designated Deposit II Account

Designated Deposit II Account Designated Deposit II Account Effective 14th August 2015 An instant access deposit account with a competitive rate of interest, specifically designed for solicitors who manage client funds, who wish to

More information

IMPORTANT INFORMATION ABOUT THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)

IMPORTANT INFORMATION ABOUT THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS) IMPORTANT INFORMATION ABOUT THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS) FSCS Information Sheet Basic information about the protection of your eligible deposits Eligible deposits in Adam & Company

More information

BUSINESS SAVINGS ACCOUNT OPENING FORM

BUSINESS SAVINGS ACCOUNT OPENING FORM PAGE 1 OF 8 SECTION 1 - YOUR BUSINESS DETAILS Full business name Full trading address Trading name started trading at this address Registered office (IF DIFFERENT) business established business purchased

More information

7. If you open an Account in joint names, instructions to change nominated bank account details must be authorised by both Account holders.

7. If you open an Account in joint names, instructions to change nominated bank account details must be authorised by both Account holders. Fixed Term Deposits Application form and guidance notes Applying for your Fixed Term Deposit Please carefully read the information on pages 1 and 2, and then complete the details requested on the application

More information

Financial Services Compensation Scheme Information Sheet

Financial Services Compensation Scheme Information Sheet Financial Services Compensation Scheme Information Sheet Basic information about the protection of your eligible deposits Eligible deposits in Ulster Bank Limited are protected by: Limit of protection:

More information

Financial Services Compensation Scheme Information Sheet. Basic information about the protection of your eligible deposits

Financial Services Compensation Scheme Information Sheet. Basic information about the protection of your eligible deposits Financial Services Compensation Scheme Information Sheet Basic information about the protection of your eligible deposits Eligible deposits in HSBC Bank plc (UK mainland only) are protected by: The Financial

More information

Savings Application Form

Savings Application Form Savings Application Form Account number Branch BRANCH USE ONL I/We enclose To open the following account For full terms and conditions and identification please refer to the appropriate leaflets. Please

More information

CHARITIES AND CLUBS DIRECT ACCOUNT - ISSUE 2 APPLICATION FORM

CHARITIES AND CLUBS DIRECT ACCOUNT - ISSUE 2 APPLICATION FORM 1 Organisation Details please use BLOCK CAPITALS of Organisation: Address of Organisation: Contact - Email Address: Gender: Male Female Correspondence Address (if different from above): Account Opening

More information

Treasurer s Savings Account

Treasurer s Savings Account Please keep for future reference Contact us Page 1 of 4 Treasurer s Savings Account Key Facts Document (including Financial Services Compensation Scheme (FSCS) Information Sheet & Exclusions List) Effective

More information

As applicable on the day of the deposit and will be fixed for full term of your investment.

As applicable on the day of the deposit and will be fixed for full term of your investment. Fixed Deposit Accounts Account Specific Terms and Conditions The Fixed Term Accounts are fixed rate, Fixed Term Deposit Accounts are accounts that are available to existing account holders who can lock

More information

Cash ISA Application & Transfer Form

Cash ISA Application & Transfer Form Cash ISA Application & Transfer Form 2018-2019 New ISA Accounts - Only to be completed by individuals on their own behalf. NOTE: If an account is to be opened by an Attorney, please complete a Savings

More information

Regular esaver (Issue 6)

Regular esaver (Issue 6) Page 1 of 3 Please keep for future reference Talk to us in branch santander.co.uk Regular esaver (Issue 6) KeyFactsDocument(including Financial Services Compensation Scheme (FSCS) Information Sheet & Exclusions

More information

Account Opening Application Form Personal Accounts

Account Opening Application Form Personal Accounts Account Opening Application Form Personal Accounts Currency: Sterling US Dollar Other Ace Current Account 90 Day Notice Online Easy Access Account Fixed Term Deposit Account Interest Payment Frequency

More information

2. Joint account This account cannot be held with anyone else (please see 1. Eligibility for details about accounts held by a trustee).

2. Joint account This account cannot be held with anyone else (please see 1. Eligibility for details about accounts held by a trustee). Page 1 of 4 Please keep for future reference Call in to any Santander branch Call us on 0800 9 123 123 Mini Current Account santander.co.uk Key Facts Document (including Financial Services Compensation

More information

Key Information Pack. The AA ISA is provided by OneFamily. Money in this AA ISA is deposited with Bank of Ireland UK.

Key Information Pack. The AA ISA is provided by OneFamily. Money in this AA ISA is deposited with Bank of Ireland UK. Key Information Pack The AA ISA is provided by OneFamily. Money in this AA ISA is deposited with Bank of Ireland UK. 1 Key Features of the AA ISA The AA ISA is provided by OneFamily. Money in this AA ISA

More information

ISA APPLICATION FORM

ISA APPLICATION FORM ISA APPLICATION FORM ISA ACCOUNT DETAILS - PLEASE FULLY COMPLETE USING BLOCK CAPITALS. FIELDS MARKED WITH A * ARE OPTIONAL. ACCOUNT HOLDER OPENING INVESTMENT TITLE: MR / MRS / MISS / MS I APPLY TO SUBSCRIBE

More information

YOUNG SAVERS ACCOUNT APPLICATION FORM

YOUNG SAVERS ACCOUNT APPLICATION FORM YOUNG SAVERS ACCOUNT APPLICATION FORM Account Opening Details Note: Please make cheques payable to the applicant(s) name I/we apply to open a YOUNG SAVERS ACCOUNT on behalf of myself/the following young

More information

CAF 90 DAY NOTICE ACCOUNT

CAF 90 DAY NOTICE ACCOUNT CAF 90 DAY NOTICE ACCOUNT Summary box Account name What is the interest rate? CAF 90 Day Notice Account The interest rate is variable. The current annual rate is shown in the table below. Balance 500+

More information

Personal Banking. ISAs. Your guide to tax-efficient saving and Information on the Financial Services Compensation Scheme

Personal Banking. ISAs. Your guide to tax-efficient saving and Information on the Financial Services Compensation Scheme Personal Banking ISAs Your guide to tax-efficient saving and Information on the Financial Services Compensation Scheme Contents Introduction 03 What an ISA can offer you Your ISA allowance 05 How much

More information

Business Savings Accounts

Business Savings Accounts Please keep for future reference Page 1 of 4 Business Savings Accounts Call in to any Santander branch Speak to your Local Business Manager Call us on 0800 731 6666 santander.co.uk/business Key Facts Document

More information

eisa (Issue 3) Please keep for future reference Talk to us in branch santander.co.uk At the end of term

eisa (Issue 3) Please keep for future reference Talk to us in branch santander.co.uk At the end of term Page 1 of 3 Please keep for future reference Talk to us in branch santander.co.uk eisa (Issue 3) Key Facts Document (including Financial Services Compensation Scheme (FSCS) Information Sheet & Exclusions

More information

Key Information Pack. The AA ISA is provided by Family Investments. Money in this AA ISA is deposited with Bank of Ireland UK.

Key Information Pack. The AA ISA is provided by Family Investments. Money in this AA ISA is deposited with Bank of Ireland UK. Key Information Pack The AA ISA is provided by Family Investments. Money in this AA ISA is deposited with Bank of Ireland UK. 1 Key Features of the AA ISA The Financial Conduct Authority is a financial

More information

Account Opening Application Form. Corporate Accounts. Interest Payment Frequency (FOR UBL UK INTERNAL USE ONLY) Branch Name: A/C No.

Account Opening Application Form. Corporate Accounts. Interest Payment Frequency (FOR UBL UK INTERNAL USE ONLY) Branch Name: A/C No. Account Opening Application Form Corporate Accounts (FOR UBL UK INTERNAL USE ONLY) Branch Name: A/C No. Documentation checked: Approved: Date: Type of account: Interest Payment Frequency Current Account

More information

Application Form Savings Account

Application Form Savings Account Application Form Savings Account Need more information? alrayanbank.co.uk 0800 4086 407 Mon to Fri: 9am 7pm Sat: 9am 1pm Returning this form It is important that you complete this application form in full

More information

2 Year Fixed Rate ISA

2 Year Fixed Rate ISA Page 1 of 3 Please keep for future reference Talk to us in branch santander.co.uk KeyFactsDocument(including Financial Services Compensation Scheme (FSCS) Information Sheet & Exclusions List) Available

More information

UNION BANK UK PLC APPLICATION FORM FOR PERSONAL CUSTOMERS

UNION BANK UK PLC APPLICATION FORM FOR PERSONAL CUSTOMERS UNION BANK UK PLC APPLICATION FORM FOR PERSONAL CUSTOMERS Version 5. 1 Jan 2016 Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation

More information

Current Account Application Form for Non-UK EU residents

Current Account Application Form for Non-UK EU residents Current Account Application Form for Non-UK EU residents Paper based application to be used only for Non-UK EU Residents Help for what matters When completing your application it is important that this

More information

Savings account amendment form

Savings account amendment form Savings account amendment form Use this form to amend account details with us. You can add or remove account holders, change your name or address, or amend how your interest is paid. Please use BLOCK CAPITALS

More information

Individual Savings Account (ISA)

Individual Savings Account (ISA) Application Form Individual Savings Account (ISA) Need more information? alrayanbank.co.uk 0800 4086 407 Mon to Fri: 9am 7pm Sat: 9am 1pm Returning this form It is important that you complete this application

More information

CAF 12 MONTH FIXED RATE SAVER

CAF 12 MONTH FIXED RATE SAVER CAF 12 MONTH FIXED RATE SAVER Key Product Features SUMMARY BOX Account name What is the interest rate? Can Shawbrook Bank change the interest rate? What would the estimated balance be after 12 months based

More information

PENSION FUND DEPOSIT ACCOUNT 2

PENSION FUND DEPOSIT ACCOUNT 2 PENSION FUND DEPOSIT ACCOUNT 2 Provided by Scottish Widows Bank SUMMARY BOX PLEASE READ THIS SUMMARY BOX BEFORE YOU COMPLETE THE APPLICATION AND THEN KEEP IT FOR YOUR RECORDS. DON T RETURN IT WITH THE

More information

Application form. Cashminder account. Basic, no frills banking to keep things simple

Application form. Cashminder account. Basic, no frills banking to keep things simple Application form Cashminder account Basic, no frills banking to keep things simple A Visa debit card This is the key to your account, use it to: get money from LINK cash machines across the UK get money

More information

ISA APPLICATION FORM

ISA APPLICATION FORM ISA APPLICATION FORM ISA ACCOUNT DETAILS - PLEASE FULLY COMPLETE USING BLOCK CAPITALS. FIELDS MARKED WITH A * ARE OPTIONAL. ACCOUNT HOLDER OPENING INVESTMENT TITLE: MR / MRS / MISS / MS I APPLY TO SUBSCRIBE

More information

1I2I3 Current Account

1I2I3 Current Account Page 1 of 6 Please keep for future reference Talk to us in branch Call us on 0800 9 123 123 1I2I3 Current Account santander.co.uk Key Facts Document (including Pre-Contractual Information, Statement of

More information

Instant access. Instant Saver. Post Office Money Instant Saver is provided by Bank of Ireland UK MUST BE READ WITH A SUMMARY BOX LEAFLET

Instant access. Instant Saver. Post Office Money Instant Saver is provided by Bank of Ireland UK MUST BE READ WITH A SUMMARY BOX LEAFLET Instant Saver MUST BE READ WITH A SUMMARY BOX LEAFLET Instant access Flexible saving with 24/7 access to your money Post Office Money Instant Saver is provided by Bank of Ireland UK PostOfficeMoney.co.uk

More information

Instant access. Flexible saving with 24/7 access to your money. Instant Saver. Post Office Money Instant Saver is provided by Bank of Ireland UK

Instant access. Flexible saving with 24/7 access to your money. Instant Saver. Post Office Money Instant Saver is provided by Bank of Ireland UK Instant Saver Instant access Flexible saving with 24/7 access to your money Post Office Money Instant Saver is provided by Bank of Ireland UK PostOfficeMoney.co.uk Dip into your savings for free, day or

More information

Help to Buy: ISA (Issue 3)

Help to Buy: ISA (Issue 3) Please keep for future reference Page 1 of 3 Call in to any Santander branch The Financial Conduct Authority is a financial services regulator. It requires us, Santander UK plc, to give you this important

More information

Fixed Deposit Account Opening Form

Fixed Deposit Account Opening Form Fixed Deposit Account Opening Form Please fill in the form using BLOCK CAPITALS and black ink. Tick any boxes which apply. Existing Customer es If yes, please enter your account number if no, Please complete

More information

HelptoBuy:ISA(Issue3)

HelptoBuy:ISA(Issue3) Page 1 of 4 Please keep for future reference Talk to us in branch HelptoBuy:ISA(Issue3) Key Facts Document (including Financial Services Compensation Scheme (FSCS) Information Sheet & Exclusions List)

More information

Provided by Scottish Widows Bank SUMMARY BOX SUMMARY BOX. The interest rate is variable. The current rate is shown in the table below.

Provided by Scottish Widows Bank SUMMARY BOX SUMMARY BOX. The interest rate is variable. The current rate is shown in the table below. E-CASH ISA 3 Provided by Scottish Widows Bank SUMMARY BOX PLEASE READ THIS SUMMARY BOX BEFORE YOU COMPLETE THE APPLICATION AND THEN KEEP IT FOR YOUR RECORDS. DON T RETURN IT WITH THE APPLICATION. This

More information

Terms and Conditions. Business Banking. United Kingdom. Visit our branches at: United Kingdom

Terms and Conditions. Business Banking. United Kingdom.  Visit our branches at: United Kingdom Terms and Conditions To know more, contact us at: w United Kingdom uk.business@icicibank.com www.icicibank.co.uk Visit our branches at: 92-94 Soho Road, Handsworth, Birmingham B21 9DP 291, High Street

More information

MASJID/MADRASAH APPLICATION FORM

MASJID/MADRASAH APPLICATION FORM PLEASE NOTE: IF THE MASJID/MADRASSAH IS A REGISTERED CHARITY OR LIMITED COMPANY PLEASE COMPLETE THE CHARITY APPLICATION FORM/LIMITED COMPANY APPLICATION MASJID/MADRASAH APPLICATION FORM Please use black

More information

Account Opening Form

Account Opening Form Account Opening Form Summary Cover page Summary I II Account Opening form our Details 1-3 Access to your Account 3 our Banking Details 3 Source of Income 3-4 Tax Status 4-5 Declaration 5 Terms and Conditions

More information

INSTANT SAVER 2 ACCOUNT

INSTANT SAVER 2 ACCOUNT INSTANT SAVER 2 ACCOUNT Provided by Scottish Widows Bank SUMMARY BOX PLEASE READ THIS SUMMARY BOX BEFORE YOU COMPLETE THE APPLICATION AND THEN KEEP IT FOR YOUR RECORDS. DON T RETURN IT WITH THE APPLICATION.

More information

Key product information

Key product information Key product information This Key product information sheet provides full details of the account available to you. You should read it carefully together with the full Savings Terms and Conditions and the

More information

Virgin Fixed Rate Cash E-ISA

Virgin Fixed Rate Cash E-ISA Virgin Fixed Rate Cash E-ISA Key product information A fixed rate of tax-free interest Here is some important information about our Virgin Fixed Rate Cash E-ISAs to help you decide whether these accounts

More information

Business Current Account

Business Current Account Please keep for future reference Contact us Page 1 of 7 Business Current Account KeyFactsDocument(including the Statement of Lender and Borrower Responsibilities and Financial Services Compensation Scheme

More information

Fixed Rate Cash E-ISA

Fixed Rate Cash E-ISA Fixed Rate Cash E-ISA Key product information A fixed rate of tax-free interest Here is some important information about our Fixed Rate Cash E-ISAs to help you decide whether these accounts are right for

More information

ICICI Bank Canada Student GIC Program Guide Complete Steps

ICICI Bank Canada Student GIC Program Guide Complete Steps ICICI Bank Canada Student GIC Program Guide Complete Steps This program guide outlines the details of the ICICI Bank Canada Student GIC Program, effective October, 2015. Unless otherwise stated, all fees

More information

TERMS AND CONDITIONS. 1.1 In this Terms and Conditions, the following words and phrases will have the meanings as assigned below:

TERMS AND CONDITIONS. 1.1 In this Terms and Conditions, the following words and phrases will have the meanings as assigned below: Money Transfers to India Account Holder TERMS AND CONDITIONS These terms and conditions ( Terms and Conditions ) apply to the HomeVantage Current Account and HiSAVE Remittance Account and should be read

More information

UK Investments Child Trust Fund

UK Investments Child Trust Fund CHILD TRUST FUND UK Investments Child Trust Fund Terms and conditions Carefully read all the sections of this document. Then keep it safe so you can refer to it in the future. Contents Definitions 3 Terms

More information

FAQ s for Fresh Online Investment.

FAQ s for Fresh Online Investment. FAQ s for Fresh Online Investment. 1. How do I make the online fresh purchase process completely paperless? Subject to the following conditions fresh purchase process can be completely paperless: a) Bank

More information

/ NON US US NRI SSN / USA: Permanent Indian

/ NON US US NRI SSN / USA: Permanent Indian US NRI / NON US 6 US NRI 6 / NON US I have registered myself on ICICIdirect.com website for opening an ICICIdirect.com account including bank and demat accounts. The USER ID and password for this account

More information

ACCOUNT OPENING FORM - CORPORATE

ACCOUNT OPENING FORM - CORPORATE ACCOUNT OPENING FORM - CORPORATE Date of Application: Instructions for filling the form: Type of entity (Please tick as applicable) All fields are Mandatory Please fill in BLOCK letters Mention NA wherever

More information

Select Current Account

Select Current Account Page 1 of 8 Please keep for future reference Talk to us in branch Calluson08000323323 Select Current Account santander.co.uk Key Facts Document (including Pre-Contractual Information, Select Current Account

More information

Banking fees, commissions, conditions and costs for services chargeable to customers UK BRANCH

Banking fees, commissions, conditions and costs for services chargeable to customers UK BRANCH Banking fees, commissions, conditions and costs for services chargeable to customers UK BRANCH June 2017 1 Contents Current Accounts 3 Cheques and Giro Credits 4 Domestic (Intra-UK) Transfers 5 Payments

More information

3 YEAR FIXED TERM DEPOSIT ACCOUNT

3 YEAR FIXED TERM DEPOSIT ACCOUNT 3 YEAR FIXED TERM DEPOSIT ACCOUNT Provided by Scottish Widows Bank SUMMARY BOX PLEASE READ THIS SUMMARY BOX BEFORE YOU COMPLETE THE APPLICATION AND THEN KEEP IT FOR YOUR RECORDS. DON T RETURN IT WITH THE

More information

1I2I3 Student Current Account

1I2I3 Student Current Account Page 1 of 7 Please keep for future reference Talk to us in branch Call us on 0800 9 123 123 santander.co.uk 1I2I3 Student Current Account Key Facts Document (including Pre-Contractual Information, Statement

More information

Please fill in the form using BLOCK CAPITALS and black ink. Tick any boxes which apply. First name: Middle name: Surname: Date of birth: Passport

Please fill in the form using BLOCK CAPITALS and black ink. Tick any boxes which apply. First name: Middle name: Surname: Date of birth: Passport Account Opening Form for Non UK Residents For office use: Customer identifier 1 Customer identifier 2 Scheme code Please fill in the form using BLOCK CAPITALS and black ink. Tick any boxes which apply.

More information

Fixed Deposit Account Opening Form

Fixed Deposit Account Opening Form Fixed Deposit Account Opening Form Please fill in the form using BLOCK CAPITALS and black ink. Tick any boxes which apply. Existing Customer If yes, please enter your account number if no, Please complete

More information

J.P. Morgan ISA and J.P. Morgan Investment Account

J.P. Morgan ISA and J.P. Morgan Investment Account Key Features and Terms and Conditions Effective from 1 January 2018 J.P. Morgan ISA and J.P. Morgan Investment Account For J.P. Morgan Account holders TABLE OF CONTENTS PAGE 2 2 8 9 12 22 23 24 KEY FEATURES

More information

Interest rates, charges and important information

Interest rates, charges and important information Interest rates, charges and important information CONTENTS Savings 1 Current Accounts 9 International Payment Services 13 Mortgages 14 Important Information 15 Savings Intelligent Finance isaver Intelligent

More information

Fixed Rate Cash ISA Range Issue 54

Fixed Rate Cash ISA Range Issue 54 Fixed Rate Range Issue 54 These accounts might be right for you if You want to be able to transfer in ISA savings from previous tax years. You have a lump sum to invest. You want a fixed rate of interest

More information

Online ISA The Online ISA is provided by Family Investments. Money in Post Offce cash ISAs is deposited with Bank of Ireland UK.

Online ISA The Online ISA is provided by Family Investments. Money in Post Offce cash ISAs is deposited with Bank of Ireland UK. Online ISA Key Information Pack The Online ISA is provided by Family Investments. Money in Post Offce cash ISAs is deposited with Bank of Ireland UK. online branch phone Handled with care Key Features

More information

Application No. 2. Type of Investment (refer to instruction A). 3. Unit Holder Information (refer to instruction A)

Application No. 2. Type of Investment (refer to instruction A). 3. Unit Holder Information (refer to instruction A) 2. Type of Investment (refer to instruction A). (New Investors: Please fill in all the sections 2 to 13) 3. Unit Holder Information (refer to instruction A) Name of the 1st Applicant / Corporate Investor

More information

Bank of Baroda Singapore Branch

Bank of Baroda Singapore Branch Bank of Baroda Singapore Branch ACCOUNT OPENING FORM FOR ENTITIES For Office use only of Customer: Account No. USD GBP EUR JPY SGD Customer ID: Related Parties ID: Date of Opening: To:Bank of Baroda,Singapore

More information

YOUR GUIDE - SWITCHING YOUR ACCOUNT TO ADAM

YOUR GUIDE - SWITCHING YOUR ACCOUNT TO ADAM YOUR GUIDE - SWITCHING YOUR ACCOUNT TO ADAM Switching your account to Adam 1 Contents Section Page Current Account Switch Guide Transferring your account to Adam Current Account Switch Service About the

More information

WESLEYAN UNIT TRUST INDIVIDUAL SAVINGS ACCOUNT (ISA)

WESLEYAN UNIT TRUST INDIVIDUAL SAVINGS ACCOUNT (ISA) IMPORTANT DOCUMENT PLEASE READ WESLEYAN UNIT TRUST INDIVIDUAL SAVINGS ACCOUNT (ISA) INCLUDING THE TERMS AND CONDITIONS 02 Individual Savings Account (ISA) KEY FEATURES OF THE INDIVIDUAL SAVINGS ACCOUNT

More information

Notification No. 3 of 2018 New Delhi,5 th April, 2018

Notification No. 3 of 2018 New Delhi,5 th April, 2018 DGIT(S)/ADG(S)-2/Reporting Portal/2017/180 Government of India Ministry of Finance Central Board of Direct Taxes Directorate of Income Tax (Systems) Notification No. 3 of 2018 New Delhi,5 th April, 2018

More information

Addendum. Unitholders are hereby informed about the introduction of JUST SMS Facility herein referred to as Facility

Addendum. Unitholders are hereby informed about the introduction of JUST SMS Facility herein referred to as Facility Addendum This addendum sets out the changes to be done in the Scheme Information Document and Key Information Memorandum of Open ended Scheme(s) of Tata Mutual Fund except Tata Retirement Savings Fund,

More information

UNITED INDIA INSURANCE COMPANY LIMITED Estates Department: Head Office

UNITED INDIA INSURANCE COMPANY LIMITED Estates Department: Head Office EMPANELMENT DOCUMENT APPLICATION FOR EMPANELMENT OF CONTRACTORS INTERIOR FURNISHING FOR THE PERIOD 1 st September 2017-31 st August 2020 APPLICATION FROM M/S...... APPLICATION PERIOD: FROM 16 th August

More information

Application form to open a Fixed Rate Cash ISA

Application form to open a Fixed Rate Cash ISA Application form to open a Fixed Rate Cash ISA It is a requirement of the law that we can satisfy ourselves as to your identity and address. It will therefore be necessary for us to undertake electronic

More information

Relationship Form (DCB PayLess Card / Account / Term Deposit)

Relationship Form (DCB PayLess Card / Account / Term Deposit) Customer ID: Account No.: FIELDS WITH * (STAR) ARE MANDATORY *Segment Code Application No.: RM / CSE / RO (Code): Account Sourced By (Code): Branch: (A) Applicant Details Relationship Form (DCB PayLess

More information

FundZone Data Capture Form

FundZone Data Capture Form with Declaration Notice Online new business 0118 Who this form is for This form is for financial advisers to gather details to submit online new business on FundZone Filling in this form Gather all the

More information

Interest rates, charges and important information

Interest rates, charges and important information Interest rates, charges and important information Guide to Changes: We are making some changes to this brochure. The changes will come into effect on 6 April 2018 and will apply to all Intelligent Finance

More information

Habib Bank Zurich plc

Habib Bank Zurich plc Habib Bank Zurich plc FIXED RATE E-DEPOSIT ACCOUNT TERMS AND CONDITIONS Effective June 2016 Habib Bank Zurich plc is incorporated in England & Wales and trades under the name ''Habib Bank AG Zurich''.

More information

Second Charge Loan Application Submission Form

Second Charge Loan Application Submission Form Second Charge Loan Application Submission Form FAO: Second Charge Underwriting Team - Precise Mortgages Application form for Name Post code Mortgage Illustration ID A: / The following are attached: completed

More information

Treating Customers fairly Our Code of Fairness. As a Building Society owned by you, our Members, we promise to:

Treating Customers fairly Our Code of Fairness. As a Building Society owned by you, our Members, we promise to: Savings Accounts 2017 Contents Code of Fairness An introduction from Dick Jenkins Our Accounts Bath Online Things you need to know Data Protection Declaration Agreement to assign windfalls to Charity Notes

More information

. Register to view your account online

. Register to view your account online 1 Year Fixed Rate ISA PRODUCT FACTSHEET About this Factsheet This factsheet contains the product terms for the 1 Year Fixed Rate ISA. The Financial Conduct Authority is a financial services regulator.

More information

This User Agreement is version 1.02 and is effective from 21st Jan 2014

This User Agreement is version 1.02 and is effective from 21st Jan 2014 IME (UK) LIMITED ONLINE REMIT USER AGREEMENT This User Agreement is version 1.02 and is effective from 21st Jan 2014 This Agreement Between IME (UK) Limited (hereafter referred as IME / Us / We )whose

More information

STELLAR AIM IHT ISA ISA ADVISED APPLICATION PACK BROCHURE

STELLAR AIM IHT ISA ISA ADVISED APPLICATION PACK BROCHURE STELLAR AIM IHT ISA ISA ADVISED APPLICATION PACK BROCHURE APPLICATION CHECKLIST NOTES ON APPLICATION Please contact Stellar on 020 3195 3500 if you have any questions relating to the completion of the

More information

Co-operative Bank Cash ISA

Co-operative Bank Cash ISA Key features of our Co-operative Bank Cash ISA The Financial Conduct Authority is the independent financial services regulator. It requires us, The Co-operative Bank, to give you this important information

More information

Unit Trust and OEIC Fund Application Form

Unit Trust and OEIC Fund Application Form April 2017 NON ISA You should use this form if you wish to invest in an AXA Fund(s) for regular, lump sum and additional investments. Further information is contained in the Terms and Conditions, Key Investor

More information

Interest and Charges Tariff

Interest and Charges Tariff Interest and Charges Tariff Interest payable on accounts The rates of credit interest payable on our accounts are set out below. Unless we tell you otherwise interest is variable (and can therefore fall

More information

Probate & Bereavement Instructions

Probate & Bereavement Instructions Probate & Bereavement Probate & Bereavement Instructions Probate and Bereavement Centre PO BOX 524 Bradford BD1 5ZH Telephone: 0845 600 6025 Completing this form Please fill in the form using BLOCK CAPITALS

More information

Key product information

Key product information Key product information This Key product information sheet, with summary box provides full details of the account available to you. Please read it carefully together with the Savings terms and conditions,

More information

Business Current Account Price Plan Charges

Business Current Account Price Plan Charges Business Banking Business Current Account Price Plan Charges Details of business current account fees and charges, our Price Plan Guarantee and Loyalty Reward Price Plans to suit the way you do business

More information

Terms and Conditions for UBL UK NetRemit Service

Terms and Conditions for UBL UK NetRemit Service Terms and Conditions for UBL UK NetRemit Service a. These Terms and Conditions set out how you can access and use the NetRemit Service to make a remittance payment via the UBL UK NetRemit Service. b. You

More information

1. Terms & Conditions for applying through ICICI Securities Limited for Fixed Deposit of Shriram Transport Finance Company Limited

1. Terms & Conditions for applying through ICICI Securities Limited for Fixed Deposit of Shriram Transport Finance Company Limited 1. Terms & Conditions for applying through ICICI Securities Limited for Fixed Deposit of Shriram Transport Finance Company Limited I understand that ICICI Securities Limited (I-Sec) allows me to apply

More information

(JPMorgan Fund ICVC, JPMorgan Fund II ICVC and JPMorgan Fund III ICVC,

(JPMorgan Fund ICVC, JPMorgan Fund II ICVC and JPMorgan Fund III ICVC, JPMorgan Fund ICVC, JPMorgan Fund II ICVC and JPMorgan Fund III ICVC How to use this document This document contains supplementary information about the sub-funds (each a Fund or together the Funds ) of

More information

Electronic Access to Securities Information and Execution of Secured Transactions (easiest)

Electronic Access to Securities Information and Execution of Secured Transactions (easiest) Electronic Access to Securities Information and Execution of Secured Transactions (easiest) 1. What is easiest? CDSL s internet based facility Easiest (Electronic Access to Securities Information and Execution

More information

SCHEDULE OF FEES AND SERVICE CHARGES w.e.f

SCHEDULE OF FEES AND SERVICE CHARGES w.e.f DEPOSIT ACCOUNTS SCHEDULE OF FEES AND SERVICE CHARGES w.e.f. 01.05.2018 Savings Bank Account Minimum Monthly Average Balance Monthly Charges for Non-Maintenance of above* Savings Bank Premier Account Minimum

More information

Transferring to Alliance Trust Savings

Transferring to Alliance Trust Savings Transferring to Alliance Trust Savings ATS TERMINOLOGY ATS uses some terminology that you may not be familiar with as a Stocktrade client. Here are a few of the main examples to help explain. INVESTMENTS

More information

Request to change contributions and/or add a transfer payment. Add or change a regular contribution Monthly/Yearly/Applicant/Third party/employer

Request to change contributions and/or add a transfer payment. Add or change a regular contribution Monthly/Yearly/Applicant/Third party/employer Personal pensions Request to change contributions and/or add a transfer payment This form is for use with the following products: FutureProof Individual Pension Plan Personal Pension Plan (Series 3) Personal

More information

Section Do I need to complete this section? Page. 1. About your Financial Adviser Yes. 2

Section Do I need to complete this section? Page. 1. About your Financial Adviser Yes. 2 Form Beacon House, 27 Clarendon Road, Belfast BT1 3BG 0845 370 6040 www.metlife.co.uk You re on your way to a more certain retirement with the. It s important you complete all relevant sections of this

More information

SAVINGS Terms & Conditions

SAVINGS Terms & Conditions SAVINGS Terms & Conditions Effective from May 2018 In branch 0800 072 1100 saffronbs.co.uk In branch 0800 072 1100 saffronbs.co.uk Glossary Account Means a share account with Saffron Building Society.

More information

BANK OF BARODA (A GOVERNMENT OF INDIA UNDERTAKING) HEAD OFFICE: MANDVI, BARODA, INDIA

BANK OF BARODA (A GOVERNMENT OF INDIA UNDERTAKING) HEAD OFFICE: MANDVI, BARODA, INDIA BANK OF BARODA (A GOVERNMENT OF INDIA UNDERTAKING) HEAD OFFICE: MANDVI, BARODA, INDIA. FOREIGN CURRENCY/RUPEE FIXED DEPOSIT ACCOUNT OPENING FORM (FOR NON-RESIDENT INDIANS) ACCOUNT No Date: ------------------------------------------------------------------------------------------------------------

More information

The Portal Login uses the same Username and Password as your school address.

The Portal Login uses the same Username and Password as your school  address. How to make payment online on University of London s online payment system: Please log on to the SAS Website: www.sas.ac.uk Click on Information for Current Students Under Digital Tab Click on Student

More information