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Cahoot Online Banking Service Terms & Conditions
cahoot online banking service terms and conditions Effective 13 January 2018 1. Introduction 1.1 This document contains the conditions applicable to our online banking services. What do we mean by online banking? Online banking is a service that enables you to access, give instructions on and operate additional functionality in relation to certain cahoot accounts you hold with us (including any cahoot account which you hold jointly with somebody else). You can access online banking by logging on at our website www.cahoot.com. 1.2 These terms relate only to the services described in them. Separate terms apply to the underlying cahoot accounts (the cahoot accounts you hold). 1.3 Please read these conditions carefully. If you want to refer to them in future, you can access them on our website at www.cahoot.com, by contacting our Telephone Banking service. 1.4 In this agreement: (a) “we”, “our” and “us” means cahoot, a division of Santander UK plc; and (b) “you” and “your” means our customer. 2. Online banking 2.1 With online banking, you can access information about your cahoot account, give us instructions, set up alerts and use other functionality that we make available from time to time. 2.2 We will provide or ask you to set security details for access to online banking. These could include a password, security code, memorable information or biometric data such as a ngerprint. We may change these requirements at any time. 2.3 If you are a joint account holder, each person named on the cahoot account can register for online banking. -
Your Application and Credit Referencing
FACT SHEET YOUR APPLICATION AND CREDIT REFERENCING How we decide whether or not to accept If you/your organisation applies for credit facilities we’ll an application to open an account approach a Credit Reference Agency to see if it has any information about those of you who will be party to the When we receive your/your organisation’s application, account. Our decision will be based on the details all we’ll look at the information you have provided on the parties provide, together with information we receive application form, together with any information we about all parties from the Credit Reference Agency. need to obtain about you/your organisation. When we For example, your age, occupation, details about your assess your application, your details will be checked with business, and so on, are all taken into consideration. We’ll Fraud Prevention Agencies and we will make searches at also take into account details such as how well you’ve Credit Reference Agencies who will give us information, managed previous and existing accounts with other including information from the electoral roll, to verify organisations. your identity. Scoring methods may be used to verify your identity. A record of this process will be kept that What happens when you apply to Cater may be used by other companies to help them verify your Allen Private Bank for credit facilities? identity. If you give us false or inaccurate information and fraud is identified, we’ll send details to fraud prevention Whenever we receive an application from a personal agencies. Law enforcement agencies may have access and customer for an overdraft*, we consider the application use this information. -
Business Bulletin Iris Ghnothaichean
Monday 23 January 2017 Business Bulletin Iris Ghnothaichean Today's Business Meeting of the Parliament Committee Meetings There are no meetings today. 2:00pm Finance and Constitution Committee Monday 23 January 2017 1 Today's Business Future Business Motions & Questions Legislation Other Gnothaichean an-diugh Gnothaichean ri teachd Gluasadan agus Ceistean Reachdas Eile Chamber | Seòmar Meeting of the Parliament There are no meetings today. Monday 23 January 2017 2 Today's Business Future Business Motions & Questions Legislation Other Gnothaichean an-diugh Gnothaichean ri teachd Gluasadan agus Ceistean Reachdas Eile Committees | Comataidhean Committee Meetings All meetings take place in the Scottish Parliament, unless otherwise specified. Finance and Constitution Committee 3rd Meeting, 2017 The Committee will meet at 2.00 pm in the David Livingstone Room (CR6) 1. Draft Budget 2017-18 (in private): The Committee will consider a draft report on Draft Budget 2017-18. Monday 23 January 2017 3 Today's Business Future Business Motions & Questions Legislation Other Gnothaichean an-diugh Gnothaichean ri teachd Gluasadan agus Ceistean Reachdas Eile Chamber | Seòmar Future Meetings of the Parliament Business Programme agreed by the Parliament on 18 January 2017 Tuesday 24 January 2017 2:00 pm Time for Reflection - Jessica Reid and Callum Docherty, pupils at Braes High School, Reddingmuirhead, Falkirk followed by Parliamentary Bureau Motions followed by Topical Questions (if selected) followed by Ministerial Statement: Draft Scottish Energy Strategy -
Bankofamerica
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List of PRA-Regulated Banks
LIST OF BANKS AS COMPILED BY THE BANK OF ENGLAND AS AT 2nd December 2019 (Amendments to the List of Banks since 31st October 2019 can be found below) Banks incorporated in the United Kingdom ABC International Bank Plc DB UK Bank Limited Access Bank UK Limited, The ADIB (UK) Ltd EFG Private Bank Limited Ahli United Bank (UK) PLC Europe Arab Bank plc AIB Group (UK) Plc Al Rayan Bank PLC FBN Bank (UK) Ltd Aldermore Bank Plc FCE Bank Plc Alliance Trust Savings Limited FCMB Bank (UK) Limited Allica Bank Ltd Alpha Bank London Limited Gatehouse Bank Plc Arbuthnot Latham & Co Limited Ghana International Bank Plc Atom Bank PLC Goldman Sachs International Bank Axis Bank UK Limited Guaranty Trust Bank (UK) Limited Gulf International Bank (UK) Limited Bank and Clients PLC Bank Leumi (UK) plc Habib Bank Zurich Plc Bank Mandiri (Europe) Limited Hampden & Co Plc Bank Of Baroda (UK) Limited Hampshire Trust Bank Plc Bank of Beirut (UK) Ltd Handelsbanken PLC Bank of Ceylon (UK) Ltd Havin Bank Ltd Bank of China (UK) Ltd HBL Bank UK Limited Bank of Ireland (UK) Plc HSBC Bank Plc Bank of London and The Middle East plc HSBC Private Bank (UK) Limited Bank of New York Mellon (International) Limited, The HSBC Trust Company (UK) Ltd Bank of Scotland plc HSBC UK Bank Plc Bank of the Philippine Islands (Europe) PLC Bank Saderat Plc ICBC (London) plc Bank Sepah International Plc ICBC Standard Bank Plc Barclays Bank Plc ICICI Bank UK Plc Barclays Bank UK PLC Investec Bank PLC BFC Bank Limited Itau BBA International PLC Bira Bank Limited BMCE Bank International plc J.P. -
Chartered Banker Institute Response to the Banking Standards Board Proposed Fitness & Propriety Assessment Principles
Chartered Banker Institute Response to The Banking Standards Board Proposed Fitness & Propriety Assessment Principles (June 2016) General Comments We welcome the BSB’s proposals, which clearly fulfil the objective of encouraging and strengthening existing practices. The collaborative approach taken by establishing the Working Group has led to clear definitions and principles relevant to the realities of modern banking and the pace of change therein. We believe that setting these proposals out as guidance is appropriate and gives firms the flexibility to adapt to the different models and organisational structures. The Institute is already helping a wide range of banks and bankers, meet the requirements of the new Certification Regime, via a range of resources, including: Certificates of Professionalism, a joint initiative with CISI aligned to the requirements of the Certification Regime and issued to members meeting our requirements for competence, behaviour, and fitness and propriety (from September 2016); A revised Code of Professional Conduct (The Chartered Banker Code) for our 30,000 members, aligned to the new Individual Conduct Rules. The Chartered Banker Code sets out the ethical and professional values, attitudes and behaviour expected of all professional bankers by our Institute; A wide portfolio of professional banking qualifications leading to Chartered Banker status, combining technical and ethical education and supporting the development and demonstration of competence, and fitness and propriety, for a wide variety of roles; Executive education and postgraduate degree-level programmes, including the Certified Bank Director Programme, Chartered Banker MBA and Senior Manager Accelerated Route to Chartered Banker (SMART CB), supporting the Senior Manager Regime in particular; Regulatory qualifications and CPD for individuals subject to qualification requirements; The Chartered Banker Professional Standards Board’s (CB:PSB) Professional Standards, which can help evidence an individual's fitness and propriety to regulators. -
212268-Trustly Report-UK-V7
United Kingdom Research conducted by Comissioned by Oscar Berglund CEO of Trustly This survey shows that even if European consumer’s online-banking habits differs between the countries, they share a high trust in their bank. There is a demand for an online-banking based payment solution when shopping online. This is encouraging as at Trustly we see the bank account as the hub of people’s financial lives. Country Overview United Kingdom UK bank customers access their account online in record numbers - high trust in their main bank While all major banks offer facilities to transfer money, pay bills and manage accounts digitally, many customers still prefer to bank in person, or by phone. Brits still use digital banking to check their balance but are falling behind their European counterparts like Germany, the Netherlands and Sweden in embracing the whole scope of the services available to them online. Gender Marital Status 51% Married/living 58% with girl-boyfriend Living alone 25% Living with parents 13% 49% Other 4% Age Groups Consumer habits 23% 21% 91% 94% CHILDREN UNDER 10 CHILDREN AGED 10 TO 18 DOES ONLINE BANKING SHOPS ONLINE Household Income 100% 22% 14% 17% 13% 8% 8% 10% 0% 4% 2% 1% 1% 1% £0-999 £1000 £2000 £3000 £4000 £5000 £6000 £7000 £8000 £9000 MORE THAN DON'T -1999 -2999 -3999 -4999 -5999 -6999 -7999 -8999 -9999 £10 000 KNOW Q1 Q2 Q3 Which bank(s) are you a Which bank do you consider Which customer of? to be your main bank? accounts/services do you use at the following banks? Page 4 Page 5 Page 6 Q4 Q5 Q6 To what extent do -
SD10 Confirmation of Payee Responses to Consultation
Specific direction for the implementation of Confirmation of Payee Responses to consultation August 2019 Specific direction for the implementation of Confirmation of Payee: CP19/4 Responses Responses to consultation Contents Association of British Credit Unions Limited (ABCUL) 3 Association of Independent Risk & Fraud Advisors (AIRFA) 6 Aviva 20 Bank of America Merrill Lynch 23 Barclays 26 Building Societies Association (BSA) 35 Chartered Institiute of Credit Management 40 Experian 42 Financial Services Consumer Panel 48 HSBC Bank PLC 50 HSBC UK Bank PLC 58 Lloyds Banking Group PLC 66 Monzo Bank 71 Nationwide Building Society 74 National Westminster Bank PLC 79 Nottingham Building Society 89 Ordo 92 Santander UK, plc 96 Transpact 99 TSB Ltd 102 UK Finance 108 Which? 115 Names of individuals and information that may indirectly identify individuals have been redacted. Payment Systems Regulator August 2019 Specific direction for the implementation of Confirmation of Payee: CP19/4 Responses Responses to consultation Association of British Credit Unions Limited (ABCUL) Payment Systems Regulator August 2019 3 Confirmation of Payee Consultation Payment Systems Regulator 12 Endeavour Square London E20 1JN 5 June 2019 Dear sirs CP 19/4 – Confirmation of Payee We welcome the opportunity to respond to this consultation. ABCUL is the primary trade association representing credit unions in England, Scotland and Wales with around two thirds of credit unions in mainland Great Britain affiliated to the Association. Credit unions in the UK – aside from several key exceptions – operate on an indirect non-agency PSP basis operating through a HOCA to make payments on their members’ behalf and accept inward payments for the same. -
Private Esaver (Issue7) KFD PBUK0029APR21H
Please keep for future reference Call us on 0800 011 3507 santander.co.uk Santander Private eSaver (Issue 7) Key Facts Document (including Financial Services Compensation Scheme (FSCS) Information Sheet & Exclusions List) Available from 15 February 2021 This account is subject to availability and may be withdrawn from sale at any time without notice. These Specific Terms and Conditions apply in addition to our General Terms and Conditions. Where there are differences, it’s these Specific Terms and Conditions that apply. Summary Box Account name Santander Private eSaver What is the AER/Gross (variable) for the first 12 months from account opening interest rate? Tier Santander Private eSaver £1+ 0.15% Interest is calculated daily and added to this account monthly. Can Santander Yes, the rate can go up or down e.g. in response to industry and market conditions. If the rate goes down, we’ll let you change the know around 2 months before the rate changes. interest rate? What would Account name Interest earned Balance after 12 months the estimated balance be after Santander Private eSaver £1.50 £1,001.50 12 months based Estimates assume that the account is opened and deposit is made on 1st of the month, interest is paid monthly and no on a £1,000 change to interest rates. deposit? At the end of term The term for this account is 12 months. We’ll contact you around 2 months before maturity to tell you your options. If we don’t hear from you we’ll transfer your account to an Private Banking Everyday Saver account currently paying 0.01% AER/Gross (variable for balances of £1+). -
Cahoot Savings Account
Please keep for future reference cahoot.com cahoot Savings Account Key Facts Document (including Financial Services Compensation Scheme (FSCS) Information Sheet & Exclusions List) Available for maturing Bond customers only from 4 June 2019 These Specific Terms and Conditions apply in addition to our General Terms and Conditions. Where there are differences, it’s these Specific Terms and Conditions that apply. Summary Box Account name cahoot Savings Account What is the See accompanying letter for the current variable interest rates that apply. interest rate? Can cahoot change Yes, the rate can go up or down e.g. in response to industry and market conditions. If the rate goes down, the interest rate? we’ll let you know around 2 months before the rate changes. What would the For the estimated balances please find the cahoot savings account Key Facts Document on estimated balance cahoot.com/rates_and_fees. be after 12 months based on a £1,000 deposit? How do I open This account is exclusively available to customers with a maturing cahoot bond (not available to open). and manage my To hold this account you must: account? ¡ be a UK resident and ¡ be aged 18 or over ¡ be registered for Online Banking ¡ provided us with a valid email address. We’ll use this to let you know when we have sent you an e-Document. You must maintain a valid email address otherwise you won’t know when we’ve sent you an e-Document. This account can be opened as a single or joint account (two people). The account cannot be opened on behalf of someone else (e.g. -
Charity Banking Spotlight Report March 2016 with Foreword Layout 1
Charity Banking Spotlight report March 2016 with foreword_Layout 1 18/03/2016 11:39 Page 1 Charity Banking Spotlight report March 2016 with foreword_Layout 1 18/03/2016 11:39 Page 2 Charity Banking Spotlight Contents 2 Introduction 3 Banking spotlight report 4 The most popular banks 5 Top 25 banks used by the top 5,000 charities 6 Banks listed by client cash 8 Banks used by the top 100 charities 9 Longevity of contracts 10 The value of charity cash 11 Top charities by cash Produced by Slack Communications for Charity Financials www.charityfinancials.com 1 Charity Banking Spotlight report March 2016 with foreword_Layout 1 18/03/2016 11:39 Page 3 Charity Banking Spotlight Introduction Barclays are delighted to sponsor this Spotlight Banking Report. 2016 has brought fresh pressures that charities are having to address. But, tough times demand innovative approaches, and charities are embracing creative commercialisation fuelled by diversity of ideas, to support their main charitable cause. With efficiency at a premium, we believe there is an increasingly rational case for consolidation within the sector. The benefits of bringing two back offices together for example can provide significant advantages, and help a charity leverage its brand wider, reaching more beneficiaries and we expect to see more mergers in 2016. The digital agenda is also set to drive major change within the sector. The increasing influence of social media presents a huge opportunity to charities. Whilst it has been used very effectively for individual campaigns, the charity that can find the way to harness the power of social media for regular donations will be a market leader and drive significant change in fundraising. -
CRM Code Consultation Document
Review of the Contingent Reimbursement Model Code for Authorised Push Payment Scams Consultation Document July 2020 Driving fair customer outcomes CONTENTS 1. Introduction 4 1.1 Background 1.2 The role of the LSB 1.3 Engagement with stakeholders 1.4 Review of approach to reimbursement of customers 1.5 About this consultation 1.6 Who should respond 2. Implementation 8 2.1 The current version of the CRM code 2.2 Coverage and barriers to signing up 3. Customer experience 10 3.1 Reducing the impact on customers 3.2 Vulnerable customers 2020 4. Prevention measures 12 4.1 Awareness 4.2 Effective warnings 4.3 Confirmation of Payee 5. Resolving claims 14 5.1 The process of resolving claims 5.2 Funding the reimbursement of customers 6. Next steps 17 6.1 How to respond 6.2 Publication of consultation responses Annex 1: Full list of consultation questions 18 Review of the Contingent Reimbursement Model Code for Authorised Push Payment Scams 3 1. INTRODUCTION 1.1 BACKGROUND In September 2016, the consumer body The code designed, the Contingent Which? submitted a super-complaint to the Reimbursement Model (CRM) Code, was Payment Systems Regulator (PSR) regarding launched on 28 May 2019. The voluntary code Authorised Push Payments (APP) scams. The sets out good industry practice for preventing complaint raised concerns about the level of and responding to APP scams. It also sets protection for customers who fall victim to APP out the requisite level of care expected scams. The PSR investigated the issue and of customers to protect themselves from published its formal response in December APP scams.