If you are a Sole Trader, Partnership of two or three partners or an unincorporated body, you might be regulated by the Consumer Credit Act. However, exemptions do apply. If you are unsure about whether your agreement is regulated, please speak to your Relationship Manager.

Business Debit Cards Press to expand/collapse

Your business debit card terms and conditions can be found in your Business Current Account terms which are available on this page.

User guide (PDF, 160KB)

Your business ATM card terms and conditions can be found in your Business Current Account terms which are available on this page.

Business ATM Card Press to expand/collapse

User guide (PDF, 115KB)

Your business ATM card terms and conditions can be found in your Business Current Account terms which are available on this page.

Loans and Finance

Overdrafts Press to expand/collapse

For information relating to your overdraft please see your facility letter.

Payment services

Payment transaction Press to expand/collapse

Payment Transaction (PDF, 134KB)

CHAPS Press to expand/collapse

Cheque Clearing Process Press to expand/collapse

Banks are cutting cheque clearing times from six days to just two.
Banks will begin making this change in October 2017, so from that time, if you write a cheque, your money could leave your account quicker.
We'll let you know when we move to the faster process for cheques you pay in.
Find out more at chequeandcredit.co.uk

You can find details of the current six day clearing cycle in the 'Your account charges explained' brochure: