11. THE CARD, PIN AND CHEQUES
11.1 You must:
11.2 You will not be able to give payment instructions using your Card, Cheques or Security Details if we have stopped, or suspended, your ability to use them. We can do this if we reasonably consider it necessary for reasons relating to:
If we do this, we will tell you as soon as possible. As all Cards and Cheques belong to us, we (or a person acting for us, for example a retailer), may take or retain a Card or Cheque if we stop or suspend your right to use your account. You must then stop using the Card, Card number and Cheques.
11.3 Card chip content is our property and can only be used in accordance with the terms and conditions set out in this agreement.
12. ADDITIONAL CARD
12.1 You can name other people as additional cardholders on your account. You can do this in writing or in other ways. If the person you name is eligible, we will send you the additional Card. You must give the additional Card we send you to the additional cardholder and make sure that he or she is aware of, and keeps to, all conditions relating to the use and safety of Cards.
12.2 For the purposes of this agreement, Transactions made by an additional cardholder will be treated as Transactions made by you. You are responsible for all use of the additional Card. You must pay us for Transactions made by the additional cardholder even if they make you break this agreement. You will also be liable for any charges payable as a result of use by an additional cardholder.
12.3 We will not give additional cardholders information about your account unless you agree.
12.4 Contact us on the numbers given in your statement if you wish to cancel the additional Card. If we receive notice of your death, any additional Cards will be cancelled.
12.5 You must pay for Transactions made by the additional cardholder and charged to your account after cancellation.
13. LOST CARDS
13.1 You must contact us urgently if a Card or Cheque is lost or stolen or a Card or your Security Details are misused (or you think they might be). Our address and telephone numbers are: Customer Services, TSB Card Services, PO Box 16591, Birmingham B25 9GR; phone (24 hours) 08000 150 030 from UK, +44 207 481 2567 abroad. We will keep a record of your call, and may record or monitor the call itself. If you later find the reported Cards or Cheques, you must destroy them.
13.2 You will not have to pay us anything for unauthorised use of your account unless we can show that you gave someone your Card (or Security Details to make Transactions), or were fraudulent. In this case, you will be liable for all use of the Card before you give us notice under the above condition.
13.3 You will not have to pay us for unauthorised postal, telephone or internet Transactions made by someone other than you or an additional cardholder.
13.4 You must give any information and help we reasonably ask for to deal with misuse or unauthorised access to your account, or in relation to any other transaction we, the police or other authorities are investigating. We may pass on related information to other banks, to those involved in processing card payments, or to the police or other authorities, in the UK or (if appropriate) abroad.
14. TRANSACTIONS AND CREDIT LIMITS
14.1 We are entitled to assume we are dealing with you, and that you have agreed to us acting on any instructions, without getting further confirmation from you:
14.2 You must not go over your credit limit. We can decline Transactions that are over that limit. But, if as a service to you, we authorise them, you have to pay the charges in condition 7 for going over your limit. If you try and make a payment for which you do not have credit, we may refuse to carry out the Transaction. When we work out the credit available on your account to authorise new Transactions, we include authorisations for Transactions we have already given but which have not yet been applied to your account.
14.3 You can tell us if you want a lower credit limit on your account or if you do not want your credit limit to be increased. You can also tell us if you do not want to receive any credit limit increases in the future. We may require minimum limits.
14.4 We may refuse to carry out a Transaction or to allow you to make a payment into your account (as appropriate) if:
14.5 We use systems to identify Transactions that seem unusual and help us prevent the misuse of your account. If we think a Transaction involves misuse, we may tell the retailer to turn down the Transaction or to check with us before processing the Transaction. So there might be a delay before a retailer agrees to a Transaction, and you might not always be able to make a Transaction straight away, or at all.
We will not be liable for any loss to you as a result of any delay or if we do not allow the Transaction to be made for this reason.
14.6 We may refuse to carry out a Transaction or refuse to allow you to make a payment into your account if we reasonably believe that doing so might cause us to breach a legal requirement or might expose us to action from any government or regulator. In addition, we may decide not to process payments to or from a limited number of countries or allow you to make Card payments there. We will tell you which countries if you ask us or if you try to make a payment there.
14.7 If we refuse a Transaction or refuse to allow you to make a payment into your account or are unable to carry out a Balance Transfer then (unless the law prevents it) we will, at the earliest opportunity, try to let you know of our refusal or that we are unable to carry out your Balance Transfer request. For Purchases, the retailer will be told of the refusal and is likely to ask for alternative payment. For Cash Withdrawals, the cash machine will state if the Transaction is declined. You can also contact us to find out why we have refused and whether there is anything you can do to deal with the problem that led to our refusal (unless the law prevents us from telling you).
14.8 If you wish to cancel a Transaction:
(a) We cannot cancel a Purchase once you have given your consent to make the payment to a retailer (you will need to contact the retailer separately). However, if you wish to cancel payments made on a regular basis using your Card, such as magazine subscriptions, you can ask us to stop the payment no later than the close of business on the business day before the payment was due to take place. We also advise you to contact the person you make the payment to so that they do not keep trying to take the payment. You will need to contact them if you want to cancel your agreement with them in any case, as we cannot do that for you. You will also need to tell anyone you make regular payments to if your account is closed or your Card number changes otherwise they may not be able to collect your payments. If you do miss a payment for this reason, we will not be liable to you for any loss you suffer as a result.
(b) If you tell us to make any other type of Transaction we cannot change or cancel your instruction as we start processing it when we receive it. In some cases, we may be able to cancel a Transaction at a later time; you can call us to find out whether this will be possible.
14.9 If you ask us to make a Balance Transfer we need to approve your request. Once we approve your request, we will transfer the agreed amount from your account the same day and use the Faster Payment Scheme if it is available and the lender you are transferring the funds to is a member of the Faster Payment Scheme. The payment will normally reach the other lender by the next business day.
14.10 If the lender you are making the transfer to is not a member of the Faster Payment Scheme we may not be able to carry out your request for a Balance Transfer.
14.11 If we cannot make the transfer using the Faster Payment Scheme then you can contact us to see if there is any other method available to make the transfer.
14.12 We are not liable for failing to make a transfer if the lender you are making the transfer to is not a member of the Faster Payment Scheme.
15. PAYMENTS INTO YOUR ACCOUNT
15.1 You must make all payments in pounds sterling and on time. You won't break this term if a payment is late because we've failed to process it as soon as we get it. We'll give you guidance on making payments to reach us on time and on the clearing times for cheque payments and automated payments. When a payment clears depends on how the payment is made and where it has come from.
15.2 We apply the payment to reduce the balance on your account when we receive it, unless we receive it on a non-Business Day, or after the cut-off time on a Business Day, in which case we will apply it at the start of the next Business Day. The "cut-off time" is the time towards the end of the Business Day, by which we must receive all payments if they are to be processed that day. The cut-off time is different for payments in branches and electronic payments. You can ask us for further information about the relevant cut-off times.
15.3 We may sometimes tell you that you may miss a monthly payment. If you want to do this, we will continue to charge interest on your account, but we will not charge you a late payment fee.
15.4 You must repay the amount of overlimits and arrears as soon as we ask you to. Any payments you make will pay off the longest outstanding arrears first. If you miss a minimum payment one month your statement for the next month will show that month's minimum payment together with the minimum payment you failed to make the previous month.
15.5 If you pay a set amount by direct debit, we reduce the direct debit to pay off your balance if that is all you owe, or increase it if the set amount is less than your minimum payment.
15.6 We will issue you with a monthly statement, and it will include information about Transactions, payments towards your account, charges and currency conversions on your account. It is your responsibility to ensure that you read your statements and any other information provided with them, whether you receive them as paper or electronically. You must pay us even if you do not get your statement. You should tell us as soon as possible if your statement seems wrong or if you do not receive your monthly statement.
15.7 You authorise us to make payments due to us under this agreement from current or savings accounts you have with us (including joint accounts) if you don't pay them on time yourself. We will only do this in line with any relevant guidance in a Code of Practice that applies to us, or as required by our regulator or another similar body.
15.8 If we owe you any money in connection with any Transactions, interest or charges on your account we may use that money to reduce any arrears you owe under this agreement. If we intend to do this we will tell you when we offer to make a payment to you. We will also follow any relevant guidance in a Code of Practice that applies to us, or as required by our regulator or another similar body.
15.9 You must not make payments or transfer funds from another credit or store card to your account that would leave a credit balance on your account. We may return any funds that exceed the balance owing on your account to the account from which the money has been sent.
16.1 You can ask us to refund a Purchase if the conditions set out below are satisfied. We may ask you to provide information which is reasonably necessary to investigate whether or not you are entitled to the refund. In addition, you may also find it helpful to contact the retailer who was paid. The conditions are that:
If you query the payment more than eight weeks after it was taken from your account, or the payment was made to a retailer outside the EEA, we are not obliged by law to make a refund ourselves but we will tell you if we can help or suggest other steps you could take.
16.2 We will otherwise only credit refunds for Purchases when we receive proper vouchers or confirmation acceptable to us and we normally charge interest until then. We will refund interest on Transactions that were incorrectly charged to your account.
17. CHANGING YOUR CARD TYPE
17.1 We may issue a different Card Type from the one you applied for to be used alongside or instead of an existing Card. Your signature on the agreement will be taken as your request for us to do so. If you change to another Card Type we may give you a new Card or account number. You will be able to keep your old Card Type if it is available by telling us within 30 days and returning the new Card. If a change to your Card Type is to your disadvantage condition 19.3 will apply.
17.2 The terms that apply to any Promotional Transactions will not be affected if we give you a new Card Type and we will tell you if there are any changes to the interest rates, charges, credit limits and promotional schemes.
18. ENDING THE AGREEMENT
18.1 This agreement can be ended by you under condition 8 and by us giving you two months notice, or immediate notice in exceptional circumstances. In both cases:
18.2 We may require you to repay the full amount you owe under this agreement if you die, are made bankrupt or break this agreement repeatedly or seriously but we will follow legal requirements for your protection before we ask you for payment.
Cheques must be returned to us or destroyed immediately if you die or are made bankrupt.
19.1 We may change charges (or introduce new charges), minimum payment amounts, statement dates, payment dates and your credit limit. These changes may be personal to you and based on a number of factors such as increased or decreased credit risk (for example, there will be an increased credit risk if you have regularly failed to comply with important obligations to us) and the way you use your account (for example, we may reduce the number of days between the statement date and the payment date if you always pay off your balance in full).
19.2 We may also make other changes to the conditions to:
19.3 Other than a change in interest rates or a change to your credit limit, we will give you at least one month's notice of any other change in these conditions. If a change in these conditions (other than a change in interest rates or a change to your credit limit) is to your disadvantage you can:
20.1 We will contact you using the contact details you give us. Where we say we will write to you we will send a letter, unless we are able to write to you individually in some other way (such as by email or text) and we reasonably think it is appropriate to do so.
20.2 You must tell us if your name or contact details change - you can do this by visiting one of our branches or sending us a change of name/address form (which you get in branch or online). If you do not tell us, we will go on using the details you last gave us, and we will not be responsible if we fail to contact you or if we send confidential information to the wrong address using out of date details. We may charge you our reasonable costs of finding you (or trying to find you) if your contact details are not up to date.
20.3 You may not transfer any of your rights or obligations under this agreement.
20.4 We may transfer our rights and obligations under this agreement (including our obligation to lend) to someone else but your rights under this agreement will not be affected if we do so.
20.5 A person who is not a party to this agreement shall not have any right under the Contracts (Rights of Third Parties) Act 1999 or otherwise to enforce this agreement.
20.6 This agreement is unsecured regardless of the terms of any security charge you may have given, or may in the future give, to us in relation to other borrowings.
20.7 We may offer (and withdraw) extra benefits and services. These conditions apply to them unless they are not appropriate or we agree different terms.
20.8 We may choose not to enforce our contractual rights against you and make this contractually binding against us by giving you a notice which expressly states that we have chosen to do so under this term of the agreement. In all other cases, if we choose not to exercise rights against you, we can still do so later.
20.9 We are not liable if a retailer or another bank (or its cash machine or other machine) does not accept your Card or Card number. Where you wish to pay a retailer, its bank will tell it whether to accept or refuse the payment.
20.10 You can usually use our cash machines and your Card to make Purchases, at any time but occasionally, repairs, updates and routine maintenance on our systems and those of our suppliers may mean that a particular service cannot be used for a short time (usually just minutes).
20.11 We will not be liable if we break this agreement because of:
20.12 As this agreement is made with you as a personal customer, we will not be liable for any business losses or costs you suffer (such as loss of business profits or opportunities).
20.13 Nothing in this agreement limits our liability for acting fraudulently or very carelessly or otherwise excludes or limits our liability to the extent we are unable to exclude or limit it by law.
20.14 English law governs this agreement and any pre-contractual negotiations, unless your address on the application is in Scotland, when Scots law applies.
20.15 General law (for example, about banking or consumer protection) applies to this agreement and the services we provide to you under it. For further information about your statutory rights contact your local Trading Standards Department or Citizens' Advice Bureau.
20.16 Unless the general law cannot be changed or excluded this agreement applies if there is any difference between it and the general law.
21. DEFINED TERMS
"Balance Transfer": any amount (minimum £100 or another amount we tell you) we allow you to transfer to or from another UK account.
"Business Day": Monday to Friday (other than English bank holidays).
"Card": any credit card issued under this agreement (including renewal, replacement and additional cards).
"Card Type": any Card we issue under the Visa, Mastercard, American Express or any other card acceptance scheme.
"Cash Withdrawal": cash withdrawals, advances made by Card or Card number, gambling transactions, purchases of currency and cash related transactions, such as the purchase of travellers cheques, money orders or gaming chips.
"Cheque": any cheque we issue for you to use with your account.
"PIN": Personal Identification Number.
"Promotional Transaction": a Transaction that preferential terms (such as lower interest rates) apply to for a specified period. We will tell you these terms before you make the Transaction.
"Purchase": a payment for goods or services that you make or authorise by Card or Card number.
"Security Details": processes or agreed security procedures, that use, for example, a password or other information, security numbers or codes or PINs, used to make an instruction or confirm your identity, and which may be used in combination with your Card.
"Transaction": Purchases, payments by Cheque, Cash Withdrawals and Balance Transfers.
"We"/"us"/"our": TSB Bank plc and any person we may transfer our rights or duties to.
TSB AVIOS TERMS AND CONDITIONS
This is an agreement between you, the main cardholder named in the Avios Credit Card agreement (or the main Cardholder in any other eligible Credit Card agreement), and us TSB Bank plc that sets out the conditions for collecting Avios ("TSB Avios Conditions") under the TSB Avios Scheme. TSB Avios Conditions will also be subject to the conditions in the Avios Credit Card conditions ("the Credit Card Conditions") and the Terms and Conditions between you and Avios ("Avios Conditions") for the Avios Scheme ("the Scheme"). Words used in these TSB Avios Conditions beginning with a capital letter are defined in the Credit Card Conditions. The TSB Avios American Express Card and the TSB Premier Avios American Express Credit Card are issued and administered by TSB pursuant to a licence from American Express. American Express® is a registered trademark of American Express Company.
"Eligible Purchase": a Purchase made by you or the additional cardholder except for Transactions within condition 3.1 of the TSB Avios Conditions.
"Foreign Exchange Transactions" : all Transactions in a currency other than pounds sterling apart from those listed in condition 3.1 of the TSB Avios Conditions.
"Avios" : A trading name of Avios Group (AGL) Limited, a company registered in England (registered company number 2260073).
"Avios": the Avios you earn for each Eligible Purchase.
1. HOW TO TAKE PART
1.1 You can participate in the TSB Avios Scheme if:
1.2 We will suspend your right to collect Avios if you fail to observe the Credit Card Conditions, the TSB Avios Conditions, or if your account with Avios is terminated under one of the terms of the Avios Conditions. If we do this we will also terminate the Avios Credit Card Account and any other Credit Card Account you may have with us.
1.3 We will not be responsible for any losses on the occurrence of any of the following events where such events are caused by factors beyond our reasonable control:
2. HOW TO COLLECT AVIOS
2.1 You can collect Avios for Eligible Purchases.
2.2 We may introduce other ways of collecting Avios. We will tell you about these if we do.
2.3 Information about the Avios for Eligible Purchases you have collected will be included on your monthly Avios Credit Card statement, but you will have less than the number of Avios that appear in that statement if we have deducted Avios since that statement because you have made transactions that are not Eligible Purchases. You may not receive a monthly statement if you have not used your Avios Credit Card or the balance on your account is nil.
2.4 You must check your monthly statement and notify us immediately if you do not agree with the Avios collected for that period. We will correct the Avios collected if it is shown to our reasonable satisfaction to be wrong.
2.5 TSB Avios Credit Card Account holders will collect 1 Avios for every £1 spent on Eligible Purchases which are not Foreign Exchange Transactions using your TSB Avios American Express Card, and 1 Avios for every £5 spent on Eligible Purchases which are not Foreign Exchange Transactions using your TSB Avios Mastercard or any other higher rate we may decide. We will tell you which rates apply. Any remaining balance of less than £1 or £5 respectively will be disregarded when your spend is converted into Avios at the end of each statement period. Only whole Avios collected at the end of each statement period can be recorded on your Avios Account and so any portions of an Avios will be disregarded. TSB Premier Avios Credit Card Account holders will collect 1.25 Avios for every £1 spent on Eligible Purchases which are not Foreign Exchange Transactions using your TSB Premier Avios American Express Card, and 1.25 Avios for every £5 spent on Eligible Purchases which are not Foreign Exchange Transactions using your TSB Premier Avios Mastercard or any other higher rate we may decide. We will tell you which rates apply. Any remaining balance of less than £1 or £5 respectively will be disregarded when your spend is converted into Avios at the end of each statement period. Only whole Avios collected at the end of each statement period can be recorded on your Avios Account and so any portions of an Avios will be disregarded.
2.6 TSB Avios Credit Card Account holders will collect 2 Avios for every £1 spent on Foreign Exchange Transactions using your TSB Avios American Express Card, and 2 Avios for every £5 spent on Foreign Exchange Transactions using your TSB Avios Mastercard or any other higher rate we may decide. We will tell you which rates apply. Any remaining balance of less than £1 or £5 respectively will be disregarded when your spend is converted into Avios at the end of each statement period. Only whole Avios collected at the end of each statement period can be recorded on your Avios account and so any portions of an Avios will be disregarded. TSB Premier Avios Credit Card Account holders will collect 2.5 Avios for every £1 spent on Foreign Exchange Transactions using your TSB Premier Avios American Express Card, and 2.5 Avios for every £5 spent on Foreign Exchange Transactions using your TSB Premier Avios Mastercard or any other higher rate we may decide. We will tell you which rates apply. Any remaining balance of less than £1 or £5 respectively will be disregarded when your spend is converted into Avios at the end of each statement period. Only whole Avios collected at the end of each statement period can be recorded on your Avios Account and so any portions of an Avios will be disregarded.
2.7 You will collect 1,500 Avios for each whole amount of £1,000 spent on a Balance Transfer. Bonus Avios are only awarded on whole multiples of £1,000s (£1,000, £2,000, £3,000 etc.) transferred from a single provider. For example, bonus Avios would not be rewarded on a balance transfer of £999 or if the transfer is split between more than one credit or store card.
2.8 Under condition 4.1, we may change the rate at which we award Avios. If we reduce this rate we will give you 30 days' notice in writing.
2.9 From time to time we may offer bonus Avios on special promotions.
2.10 You may not spend your Avios until they have been recorded on your Avios Account in accordance with the Avios Conditions.
3. RESTRICTIONS ON THE USE OF AVIOS
3.1 You will not collect Avios for the following Transactions:
3.2 If we credit a refund to your Avios Credit Card Account for a Purchase we will deduct the number of Avios you collected on that Purchase.
3.3 You cannot collect Avios if:
3.4 In the event that we have to investigate whether you have made an Eligible Purchase we may suspend your right to collect Avios.
4.1 We may change any of the terms of the TSB Avios Conditions or replace them with a new loyalty scheme at any time for the reasons listed in the 'Changes' section of the Credit Card Conditions. We will do this by giving you 30 days' notice in writing. If you are not happy with the change, you can terminate these TSB Avios Conditions within 60 days of us writing to you about the change.
4.2 If you terminate the TSB Avios Conditions for any reason your Avios Credit Card Account will also be closed.
5. TERMINATION AND TRANSFER
5.1 We will give you at least 30 days' notice in writing before we end the TSB Avios Scheme.
5.2 We may transfer all of our rights and obligations under these TSB Avios Conditions without any further consent. By agreeing to the Credit Card Conditions and the TSB Avios Conditions you agree that we may disclose or transfer all information we hold about you to a prospective or actual new owner. Such a disclosure will not affect your rights.
6. YOUR INFORMATION AND AVIOS
6.2 If you do not agree to us sharing your personal data with Avios we will close your Avios Credit Card Account.
YOU MUST ALSO READ THE AVIOS CONDITIONS, WHICH CAN BE FOUND AT www.avios.com. If there is a conflict between the Credit Card Conditions and TSB Avios Conditions on the one hand and the Avios Conditions on the other, the Avios Conditions shall prevail insofar as the relevant rules affect or purport to affect the Avios Scheme. Avios and the Avios logo are trademarks of the British Airways Plc group of companies. The Avios Scheme is managed by Avios Group (AGL) Limited Registered in England No. 2260073. Registered address is Astral Towers, Betts Way, London Road, Crawley, West Sussex RH10 9XY. Avios are held and issued for use subject to Avios' Terms and Conditions.
TSB Premier Avios Companion Ticket Terms and Conditions.
1. One Companion Ticket will be awarded per customer per year subject to a minimum Credit Card spend of £15,000 per year. £15,000 spend threshold excludes balance transfers, refunded purchases, interest, fees and other charges.
2. To qualify for a Companion Ticket the cardholder must have spent a minimum of £15,000 in the 12 months preceding the anniversary of opening the TSB Premier Avios Credit Card Account. In each subsequent year cardholders will qualify if they have spent a minimum of £15,000 in the preceding 12 months. Companion Tickets are limited to one per year. A year will commence on the anniversary of the Credit Card Account.
3. Cardholders will be notified if they have qualified for a Companion Ticket via a voucher on their Avios online Account approximately four weeks after reaching the spend threshold of £15,000.
4. Companion Tickets must be booked online by visiting www.avios.com, for queries please contact 08444 933 399.
5. The Companion Ticket voucher will be valid for a period of 12 months. Your booking must be made within 12 months after which time the Companion Ticket voucher will expire.
6. Companion Tickets are available on British Airways flights only when used in conjunction with economy class bookings that are purchased with Avios (excluding airline taxes, fees and charges). Cash-only purchases shall be excluded. British Airways routes are subject to change and availability.
7. Companion Tickets are subject to availability, the Avios Terms and Conditions and the payment of airline taxes, fees and charges.
8. Cardholders' use of Companion Tickets will be limited to one ticket per booking.
9. The 'Companion' must travel to the same destination as the cardholder and be accompanied by the cardholder in order to take advantage of the Companion Ticket.
10. Companion Tickets cannot be used in conjunction with any other offer and are non-transferable and non-refundable.
11. Neither the Bank nor Avios can guarantee that a Cardholder will be able to use a 'Companion Ticket' on a particular flight.
12. Avios reserve the right to withdraw or amend this offer upon providing reasonable notice.
13. Avios cannot accept responsibility for problems arising from computer malfunctions, viruses or bugs or other such causes, which may prevent you from taking advantage of this offer.
All bookings are subject to availability and Avios Terms and Conditions.
Avios and the Avios logo are trademarks of the British Airways Plc group of companies.
Avios is a trading name of Avios Group(AGL) Limited. Registered office: Astral Towers, Betts Way, London Road, Crawley, West Sussex RH10 9XY. Registered in England, Company No. 2260073.
TSB Bank plc Registered Office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland, no. SC095237. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240. We subscribe to the Lending Code; copies of the Code can be obtained fromwww.lendingstandardsboard.org.uk. TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service.
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