This is your agreement for your business credit card account (the Agreement). The full terms of the Agreement are set out below. They explain how your account works and other important things you need to know. Please read them carefully and keep this document safe in case you need to refer to it.

When you register with us online, we set up a secure area of our website for your online account (your Online Portal) and will use this to send you certain information. At the start of this Agreement, a copy of your Agreement is sent to and stored in your Online Portal.

Details on how we use and protect your information, and your rights in relation to the information we hold about you can be found on our website.

If you need additional information or an explanation of any of the terms of the Agreement, please contact us by phone on 020 8962 7401 or by e-mail at

1. Your credit limit

1.1 Your initial credit limit is: £____. The credit limit is the most you are allowed to borrow on your credit account with us (the Account) at any one time. We set your credit limit from time to time and tell you what it is.

2. Using your credit

2.1 With your Account we’ll provide you with a card or cards (Card(s)) to use to make payments on credit under this Agreement. Subject to Clause 2.2, you can use your Card to drawdown funds, up to your credit limit, from your Account for business purposes by:

(a) making purchases of goods and/or services from merchants (Card Purchases); and

(b) withdrawing cash from ATMs and making a cash-like transaction (such as cash drawdowns online) to send money to your nominated business account (Cash Withdrawals).

2.2 We limit the number of Cash Withdrawals and the amount you can withdraw on any day. We may also restrict your cash limit to a certain percentage of your overall business credit limit. If you have a contactless card, this will have a maximum contactless limit. Each of these limits are set out on our website and may change from time to time. For reference, the current limits are set out at Schedule 1.

2.3  When you use your Card, we will debit your Account balance with the amount of the payment as well as with all other amounts you become liable to pay us from time to time. You will pay interest on the balance on your Account in accordance with this Agreement. Where you make a repayment, we will credit the amount to your Account and that amount of your credit limit will become available to drawdown.

2.4  You must not make Card Purchases from your business or your own acquiring terminal.

2.5  You must not use your Card or the credit provided under this Agreement for any unlawful purpose including, but not limited to, purchasing goods or services which are prohibited by any law of regulation in the UK or in any other jurisdiction.

3. Repayments 

3.1  Each month you must pay at least the minimum repayment (Minimum Payment) by the payment due date, each shown on your statement. Payments to your Account will not reduce the balance until the payment has cleared.

3.2  The Minimum Payment will be the greater of the following amounts:

(a) 10% of the outstanding balance; or

(b) £100 (or the total amount owing if less).

3.3 The Minimum Payment must be made by the date shown on your statement and any overdue amounts which will be included in the total amount you are required to pay, are payable immediately. Any payment less than the Minimum Payment will be considered late and incomplete.

3.4 You can pay the whole or part of your balance at any time using the payment methods described in your statement. Please refer to Clause 17.

3.5 You must make your monthly Minimum Payments by Direct Debit from your business current account. We will collect the Minimum Payment (or, if you ask us, the full amount you owe) from your business current account ___ Business Days after your statement date.

3.6 Warning – missing payments: Missing or making late or incomplete payments can have severe consequences and may make obtaining credit more difficult. If you miss, make late or incomplete payments we will contact you to resolve this. If you miss a payment, we may:

(a) sell your debt and we or the purchaser may take legal action to recover money you owe us. This may include asking a court for an order that your property must be sold, or an order that we or a purchaser can be paid from the sale proceeds of your property

(b) take legal action to recover what you owe us which could result in any outstanding balance being secured against any property you own;

(c) end this Agreement;

(d) instruct a third party debt collection agency to contact you for payment or raise court action against you to recover the money (the costs of which we may choose to pass through to you).

4. Interest rates

4.1 You can have different types of balances on your Account, each with their own interest rates.  Each interest rate is variable and is the percentage rate which is the aggregate of:

(a) our relevant business percentage rate for that balance (Business Rate), which is set out in Schedule 1 and will apply unless we change them in accordance with clause 6 of this Agreement; and

(b) the base lending rate of the Bank of England from time to time (Bank Rate) (as at the commencement of each relevant monthly billing period), calculated on a de-compounded monthly basis.

4.2 If, at any time, the Bank Rate is below zero, the Bank Rate for the purpose of calculating the interest rate shall be deemed to be zero. 

4.3 Interest will accrue on Cash Withdrawals on a daily basis from the time debited from your Account until repaid. We do not charge interest on Card Purchases shown on a statement if the closing balance is paid in full by the payment due date shown on that statement. However, if you have not paid the closing balance on the previous statement by the payment due date, interest will accrue on Card Purchases until you next pay your closing balance in full by that payment due date. After you make full payment by your payment due date, you will not be charged interest on Card Purchases providing you continue to pay off the full balance by the payment due date. We also don't charge any interest on default charges.

4.4 Your statement will show a balance and a payment date. Interest is applied to your Account on the statement date but, when necessary, an adjustment (to include interest on Card Purchases) will be made on the next statement.

4.5 If you pay less than the full balance each month, the payments you make will have the effect of reducing the daily balance on your Account.

4.6 Interest will continue to be charged after any court order for payment until it is satisfied.

5. Charges

5.1 The charges that we can apply to your Account are set out at Schedule 1. A single transaction may attract more than one charge. You must pay our charges, together with any tax, duty or other charge required to be paid to any authority, these will be applied to your Account.

5.2 You must pay any reasonable costs we incur in enforcing payment, after as well as before any court order, including the cost of finding you if you change your address but do not tell us.

5.3 We tell you about all the charges that we make, but using your Card may mean that you have to pay other amounts to someone else. For example, some merchants and ATM operators may charge an extra fee for credit card payments.

6. Changes we can make to interest rates, charges and other terms

6.1 We may change any of the terms of this Agreement, the interest rates, charges payable, or the Minimum Payment (including introducing new charges or when or how we determine, calculate or apply interest or charges) for any reason.

6.2 Subject to clause 6.3, we will give you two months' notice of any changes in advance. If you do not want to accept any change we tell you about, you can end the Agreement without charge any time before the change takes effect. You will have to pay back what you owe us before the Account is closed, otherwise we will treat you as having accepted the change. If you don't tell us that you want to end the Agreement, then we will treat you as having accepted the change.

6.3 The interest rate is a variable rate and, for the avoidance of any doubt, any change we have to make to the interest rate following a change in the Bank Rate from time to time shall not constitute a change to the terms of this Agreement and clause 6.2 shall not apply to any such change.

7. When will this Agreement begin and end?

7.1  This Agreement comes into force when it is signed and dated by both you and us. It is open-ended and has no fixed duration. It will continue until you or we end the Agreement.

7.2  As you are entering into this Agreement electronically, once you have clicked on the submit button at the end of the Agreement this will have the same effect as if you had signed this Agreement.

8. You and additional Cardholders

8.1 You can ask us to issue Cards to your employees or partners, but we reserve the right not to issue them or to limit the number issued. We refer to you and additional cardholders as Cardholders. You will have a single Account which can be accessed using your Cards.

8.2 Cardholders can use the Account for the business related payments described in Clause 2.

8.3 We do not allow payments which are not for business purposes. You can find details of the types of payments which we consider are not for business purposes on our website, we may change this from time to time.

8.4 Cardholders will be acting on your behalf. We will cancel any Cardholder’s Card when you tell us to. We do not have an agreement with any other Cardholders. It is your responsibility to ensure that each Cardholder agrees to the Agreement and understands that you will have access to the details of all payments made using their Card. You must give a copy of this Agreement to Cardholders. It is also your responsibility to tell us if a Cardholder leaves your employment or partnership and you wish us to cancel the Card.

8.5 You authorise us to pass information about you and the Account to any additional Cardholder and any other person you authorise us to contact about the Account.

8.6  As the Account holder, you are responsible for paying the total outstanding balance on your Account, and any use of the Card by an additional Cardholder.

9. Cards

9.1 We will issue a Card and PIN (personal identification number) to you and any other Cardholders. All Cards are our property. You must not use your Card for any illegal purposes, go over your credit limit or to make payments which are not for business purposes.

9.2  When you receive your Card, we may ask you to activate it before using it to make payments. To activate the Card you must use your username and password on our website (your Security Details). You will need this username and password to perform the following functions online:

(a) changing your registered details;

(b) checking your credit limit;

(c) checking Account balance and payment transaction details;

(d) reporting the Card as lost or stolen; and

(e) changing your password.

10. Keeping Cards and Security Details secure

10.1 You are responsible for the Card, Account and your Security Details. Do not share the Card, Account or Security Details with anyone other than Cardholders as appropriate.

10.2 You must take all reasonable steps (and ensure that Cardholders do the same) to keep the Security Details and Card safe and secure. For example:

(a) do not keep your PIN with the Card;

(b) do not store Security Details or PIN on a device which is not password protected;

(c) never share your Security Details or PIN with anyone;

(d) when entering your Security Details or PIN, take all reasonable steps to ensure it cannot be observed by others; and

(e) do not enter your PIN into any terminal that appears to be modified or suspicious.

10.3  If you know or suspect that the Card is lost or stolen, or that the PIN or other Security Details are known to an unauthorised person you must tell us immediately by calling us at 0808 169 7401.

11. Card payments

11.1 When you, or a Cardholder, make a payment it must be authorised before we can charge it to your Account. You authorise a payment where you, or any Cardholder acting on your behalf, take any of the following steps:

(a) follow the instructions provided by the merchant or retailer to authorise the payment, which may include: (i) entering your PIN or providing any other security code; (ii) signing a sales voucher; (iii) providing the Card details and/or providing any other details as requested (for example, on a website when shopping online); and/or (iii) waving/swiping the Card over a card reader or inserting the Card into a card reading device for the purpose of making a payment;

(b) insert a Card in an ATM and enter your PIN;

(c) make a request for a cash advance at a bank counter;

(d) use your Security Details and instruct us online to make a money transfer and providing the money transfer details we ask for; and/or

(e)  take any other authorisation steps instructed by us.

11.2 If a merchant or ATM operator is unable to get an authorisation you may not be able to complete the payment.

11.3 If the Card, Card number and PIN, biometric data or other Security Details have been used we will assume the payment has been authorised by you or a Cardholder. You must therefore tell us immediately if you do not recognise a payment charged to your Account and shown in your statement. If, for whatever reason, a payment has been made which was not authorised, you may authorise it after it has been made either orally or in writing.

11.4 Authorising a payment includes authorising any single payment or series of recurring payments (including payments for an indefinite period) and pre-authorising a future payment of a certain or uncertain amount.

11.5 We are not responsible if a retailer or supplier refuses to accept your Card.

11.6 You can cancel payments which are due to be made on a future date (for example, if you set up a regular payment) by emailing before the end of the business day (usually 4.30pm) preceding the day the funds were due to be taken from the Account. You must also contact the merchant to tell them you have cancelled the payment. Neither you nor we can cancel any other payment after you or a Cardholder have authorised it.

11.7 Instructions to execute payments will be treated as received when we receive them from the merchant’s payment service provider, the ATM operator or directly from you. If we receive the instructions on a Saturday, Sunday or public holiday, or on another day (a Business Day) after 4:30 pm, they will be deemed received by us on the following Business Day. If the instruction is for a payment to be made on a future date (for example, a pre-authorised payment), then your instruction will be treated as being received on that date, or, if this falls on a non-Business Day, the next Business Day.

11.8 Within the EEA we will execute the payment by settling the amount of the payment to the payment service provider of the payee by the end of the next Business Day following the receipt of the instructions to pay. If the payment service provider of the payee is located outside the EEA, please contact us for information about how long the payment will take.

12. Refusing payment instructions

12.1 Occasionally we will refuse to process a payment if: 

(a) our fraud prevention, financial crime or other legal and regulatory requirements prevent us from carrying out the payment or mean that we need to carry out further checks;

(b) you have broken this Agreement in a way that we reasonably believe justifies us refusing or delaying your payment;

(c) we believe that processing your instruction would break this Agreement or your instruction doesn't contain all the information we need to properly process the payment;

(d) the amount of the payment means that you will exceed your credit limit;

(e) any step, application or proceeding is taken by you or in respect of all or any part of your undertaking for a voluntary arrangement or composition or reconstruction of your debts, winding up, dissolution, administration or receivership (administrative or otherwise);

(f) we're not permitted by a third party such as the relevant card scheme provider to allow the payment or Cash Withdrawal;

(g) we believe that the transaction is not for business purposes;

(h)  we have reasonably asked you for important information and you have not provided us with that information; or

(i) we have suspended your Card.

12.2  We will tell you if we refuse to make a money transfer but, for other payments, you will usually find out if we have refused a payment because you will be asked for payment by another method i.e. a different card, cheque or cash.

12.3 If you'd like to find out why we refused the payment and what you can do to fix any problems, then please contact us.

13. Incorrectly executed payment transactions

13.1  If we suspect a payment into your Account was the result of fraud, we will reverse it. If we make a payment into your Account by mistake or as a result of an error, we will take the amount out of your Account.

13.2  If a payment is made to your Account and the payer’s bank tells us that it is a mistake, we may pass them your contact details so that they can discuss the payment with you. This will happen if you tell us that the payment has been made correctly or do not respond when we ask you about it.

13.3 If the person paying you, the bank of the person you wanted to pay or the retailer is in the EEA, and something has gone wrong, then let us know in one of the ways described in Clause 25. You must let us know as soon as possible and at the latest within 13 months after the funds were deducted from your Account. 

13.4   If we received a payment on your behalf and you haven't received the funds or didn't receive them on time, then we'll immediately credit your Account with the amount of the payment. If we made a money transfer on your behalf and the bank did not receive the funds transferred, then we'll refund the debited deducted amount back into your Account. If you've had to pay any charges or interest as a result of our mistake, we'll refund those too.

14. Unauthorised payment transactions

14.1  If a payment has been made out of your Account which is unauthorised (i.e. a Cardholder has not given consent for the payment to be made) you can ask us for a refund, but must tell us as soon as possible (and no later than within 13 months of the date the money was deducted from your Account) by calling us.

14.2  Subject to Clause 14.4, you will be responsible for all losses up to a maximum of £35 (per instance of loss, theft or misappropriation) in respect of an unauthorised payment if the Card was lost or stolen or you have failed to keep your Security Details safe from misappropriation. However, we will reimburse you all the funds that were deducted, if:

(a) you couldn't have known that your Security Details or Card had been compromised by the time they were wrongfully used;

(b) the authorised payment happened because someone we're responsible for made a mistake;

(c) you suffered a loss after you told us that your Security Details or Card had been compromised or we didn't give you a way to tell us about this;

(d) if the law required us to make the payer follow certain prompts when they instructed us to make the payment and we didn't do this;

(e) you made a payment for the purchase of certain goods or services you bought online or through some other method that is not face-to-face. 

14.3 We won't refund you any money if you have:

(a)  acted fraudulently;

(b)  you have been grossly negligent with (or intentionally shared) your Card or Security Details; or

(c)  you have failed with intent or gross negligence to tell us of the loss, theft  or suspected misuse of your Card or Security Details in accordance with this Agreement.

14.4  If you are due a refund we will refund as soon as possible, and no later than by the end of the day following the day on which the unauthorised transaction is reported by you. We will treat any unauthorised transactions reported on a day that is not a Business Day or reported after 4:30 pm on a Business Day as having been reported at the beginning of the next Business Day. We will refund the full amount of any unauthorised payment to a payee inside the EEA reported by you, including any associated fees and charges, provided you notify us of the payment in accordance with this Agreement except if you are responsible for the losses (as described above).

15. Transactions of unspecified amounts

15.1 If funds have been deducted from your Account and you agreed that a payment could be taken, but didn't agree the actual payment amount, then you can ask us to refund you the amount of the payment if:

(a) the deducted amount is more than you reasonably expected in all the circumstances (including your spending pattern);

(b)  the person you paid is in the EEA;

(c) neither we nor the person you paid gave you any information about the payment for a period of four weeks before the due date; and

(d) you ask us for the refund within eight weeks of the debit date.

15.2 If you claim a refund under this Clause we may require you to provide us with such information as is reasonably necessary to prove that the conditions for the refund are met. Within ten (10) Business Days of receiving (i) the claim for a refund or (ii) where applicable, any further information we requested from you, we will either refund the full amount or provide you with justification for refusing the refund.

16. Transactions in a foreign currency

16.1  Any non-sterling payments (foreign currency payments) are converted to sterling by the relevant card scheme provider using wholesale market rates applying on the day conversion is made. The conversion is made on the day we receive details of that foreign currency conversion. Exchange rates can fluctuate and they may change between the time a payment is made and the time it is deducted from your Account.

16.2  If your card scheme provider is VISA, you can find the current exchange rates on the VISA website at

16.3  If your card scheme provider is MasterCard, you can find the current exchange rates on the MasterCard website at

16.4  Exchange rates change according to market movements each day and any changes will apply immediately. Please note that this rate can on some occasions fluctuate considerably during the course of a day.

17. Making repayments

17.1  Unless we otherwise agree, all monthly repayments must be made by way of Direct Debit. Other repayments can be made by debit card through the Online Portal.

17.2  You must have a Direct Debit in place in order to have a fully functioning Account. If you cancel your Direct Debit, your access to credit under this Agreement may be suspended until a new Direct Debit is set up. We may allow you to make repayment(s) using an alternative repayment method to avoid late repayment(s)until your Direct Debit mandate has been reinstated

17.3 If a payment transaction is reversed then we will treat this as a repayment under this Agreement and amend your balance.

17.4 We will apply your repayments in the following order:

(a) to pay your Minimum Payment;

(b) to reduce sums shown on your most recent monthly statement, according to their interest rates, with the highest interest rate paid first; and

(c) if any repayment exceeds your most recently monthly statement balance, the excess will then be applied to reduce sums charged to your Account but not yet shown on any statement. This is also done in accordance with their interest rates, with the highest interest rate paid first.

17.5 We treat any repayments made to your Account as reducing overdue amounts from previous monthly statements before reducing the Minimum Payment.

18. Additional or early repayments

18.1  Provided you pay the Minimum Payment by the due date on your statement, the repayment of the outstanding balance is fully flexible and you have a right to pay us whenever and as often as you like. If you wish to settle early, you can tell us by calling us or by writing to us.

19. Statements

19.1 We will send you a statement after each month. This will list the activity in your Account during the previous month, the outstanding balance, and your remaining credit limit. You must notify us immediately if anything on your statement is incorrect.

20. Giving third party providers (TPP) access to your Account

20.1  A TPP is a third party service provider that is authorised by or registered with the FCA or another EEA regulator or otherwise permitted to access information and make payments on online payment accounts operated by other providers and has your permission to do this. If you choose to use a TPP, the terms of this Agreement will still apply.

20.2 We will give the TPP access to Account information and you will be able to make the same payments through the TPP that you would be able to make if you were dealing with us online. Account information includes details about who you make payments to, this could contain some sensitive personal or confidential business information.

20.3  We may refuse to allow a TPP to access your Account if we are concerned that the TPP is acting on an unauthorised or fraudulent basis. We will tell you if we do this (unless doing so would compromise our reasonable security measures or would otherwise be unlawful).

20.4 You must check from the information provided to you by the TPP that they are authorised. If you give your Security Details to an unauthorised third party, we will assume it is you that is authorising us to give access to information about your Account and you will be responsible for any payments made as a result. If we are aware that an unauthorised third party is using your Security Details, we’ll block access to your Account. If you think a payment made through a TPP was unauthorised or incorrect you must call us as soon as you can.

21. Your account information

21.1  You give us your explicit consent to us accessing, processing, and retaining your personal information for the purposes of providing payment services to you. This does not affect any rights and obligations you or we have under data protection law. 

21.2 In the event of a transfer pursuant to clause 27.9 or an appointment pursuant to 27.10, you acknowledge and agree that information relating to your business credit card account will be shared with the relevant transferee or appointee, to the extent necessary.

22. Our responsibility to each other

22.1 We will not be responsible for any loss arising from:

(a) our (including any Cardholder's) inability to use the Card as set out or for any reason stated in this Agreement;

(b) any cause which results from abnormal or unforeseen circumstances beyond our control, consequences of which would have been unavoidable despite all our efforts to the contrary, including but not limited to fault in or failure of data processing systems, lack of funds, maximum withdrawal limits set by ATM operators;

(c) a merchant refusing to accept the Card;

(d) our compliance with legal and regulatory requirements;

(e) our suspending, restricting or cancelling the Card or refusing to issue or replace it in accordance with Clause 24; or

(f) loss or corruption of data unless caused by our wilful default.

22.2 From time to time, your ability to use the Card may be interrupted, e.g. when we carry out maintenance to improve and keep the service running for our customers. We will not be responsible for any loss arising from such interruptions.

22.3 We are also not responsible for:

(a) business interruption;

(b) loss of revenue;

(c) goodwill;

(d) opportunity;

(e) anticipated savings; or

(f) any indirect or consequential loss arising from your total or partial use or inability to use the Card.

22.4 Our liability is limited to the amount of any refund due to you under this Agreement.

22.5 We reserve the right to investigate any disputed payment or misuse of the Card before and after a refund. In order to do so we may need more information and assistance from you and you are required to reasonably cooperate with any investigation by us or any law enforcement agency or other competent authority. If we make a refund following the claim and subsequently establish that the conditions for the refund have not been met, we may deduct it from your Account after notifying you. If there is no sufficient balance on the Account, you must repay us the amount immediately on demand. If we refund you under Clauses 13-14 and then later determine that the conditions above weren't met, you will be required to pay us back.

22.6 The above exclusions and limitations set out in this Clause will apply to any liability of our affiliates, card scheme providers or other suppliers, contractors, agents or distributors and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement.

22.7 You are responsible for all reasonable costs of any legal action taken to enforce this Agreement arising out of a material breach of any of the terms of this Agreement by you or any Cardholder acting on your behalf or by your or their fraudulent conduct.

23. Suspension

23.1 We may end, restrict or suspend your ability to use your Card and stop TPPs from making payments on your behalf if:

(a) we reasonably think it necessary to protect the security of any Cards or your Account;

(b) we suspect or you tell us there may be unauthorised or fraudulent use of the Card; and

(c) we believe there’s a significantly increased risk that you will be unable to repay money you owe us – for example, if you go over your Credit Limit.

23.2 We’ll get in touch with you by phone, email or post to tell you this has happened as soon as we can (and in advance where possible) to explain why, unless that would break the law.

23.3  If the reason for stopping or suspending the Card no longer applies, we will unblock it or replace it.

24. Closing your Account

24.1 This Agreement has no fixed term. This means it will continue until you or we decide to close your Account. You can close the Account by giving us one months' notice in writing. We can close the Account by writing to you. Unless we need to close your Account immediately, we’ll give you at least two months’ written notice.

24.2 We may close your Account immediately and require immediate repayment of your total outstanding balance for the reasons below:

(a) you are in breach of any material obligations under this Agreement and you have failed to remedy the breach within a reasonable time of us requesting you to do so; or

(b) you have failed to make two consecutive Minimum Payments; or

(c) you provided us with any false or misleading information; or

(d) if you have acted fraudulently;

(e) if you display threatening or abusive behaviour towards our staff;

(f) any step, application or proceeding is taken by you or in respect of all or any part of your undertaking for a voluntary arrangement or composition or reconstruction of your debts, winding up, dissolution, administration or receivership (administrative or otherwise);

(g)  any other information comes to light which in our reasonable opinion casts doubt on your ability to repay to us what you owe.

24.3 If you or we close your Account the following will apply:

(a) You will have to pay off your outstanding balance as set out in this Agreement;

(b) The terms of the Agreement will still apply until the outstanding balance is paid; and

(c) You will not be able to reopen your Account and so you should destroy all Cards.

25. Contacting each other

25.1 You can contact us by:

(a) writing to us at our address;

(b) emailing us at; or

(c) phoning us on 020 8962 7401.

25.2  We may contact you by emailing you, writing to you, phoning you or by sending you an SMS (text message) using the latest contact details you provided to us. To set up an Account you must provide us with information about you, including your email-address and phone number. Please make sure this is correct and tell us if anything changes.

25.3 Unless you contact us and tell us otherwise, we may send documents (including statements and notices) to you electronically by on the Online Portal.

25.4  If we become aware of an actual or suspected fraud or a security threat affecting your Account, we will contact you on the latest telephone number that we hold for you to inform you. If we cannot reach you by telephone, we will contact you by post at your last known address.

25.5  Any e-mail will be deemed received as soon as it is sent unless within 24 hours the sender receives a failure notice indicating that the email has not been transmitted. Any e-mail will be deemed received by the recipient on the day it is received in his e-mail inbox if received before 4.30 pm on a Business Day. If received at any other time, it will be deemed received on the next Business Day.

25.6   Any communication or notice sent by post will be deemed received three (3) days from the date of posting for UK post or within five (5) days of posting for international post. Any communication or notice sent by text message will be deemed received the same day.

26. Complaints

26.1 If you have a complaint about our services, please contact us on or 020 8962 7401. For information on how we will handle your complaint, please contact us.

26.2  If any complaint you make is not resolved to your satisfaction then you may be able to refer your complaint to the Financial Ombudsman Service, Exchange Tower. Details about their service and how to refer a complaint to them can be found on their website at and you can write to them at Exchange Tower, Harbour Exchange Square, Isle of Dogs, London E14 9SR.

26.3  You may also complain to the Financial Conduct Authority (the FCA) who can be contacted at their address, 12 Endeavour Square, London E20 1JN.

27. General terms

27.1  The courts of England and Wales have non-exclusive jurisdiction to deal with any disputes between us.

27.2  This Agreement, and any discussions we have had with you about entering into it, and the operation of your Account is governed by English law. All terms, correspondence and any communication from us will be in English.

27.3 This Agreement does not give you any rights against any card scheme provider, their affiliates or any other third party.

27.4 We are authorised and regulated by the FCA. Our firm reference number is: 625592 / 900922.

27.5  You can ask us for an additional copy of your Agreement at any time.

27.6  If we fail to insist that you perform any of your obligations, or if we do not enforce our rights against you, or if we delay in doing so, that does not mean that we have waived our rights or that you do not have to do those things.

27.7  Each of the clauses of this Agreement operates separately. If any court or regulator decides that any of them are unenforceable, the remaining conditions will remain in full force and effect.

27.8  References to this Agreement includes any amendment to, addition to, or replacement of it.

27.9  We may transfer our rights and responsibilities under this Agreement (in whole or in part) to another person provided that this does not adversely affect your rights under this Agreement, and if this happens then any references to "we" or "us" will be references to that transferee. You may not transfer your rights and/or responsibilities under this Agreement.

27.10 We may also appoint any third party as agent to take any steps on our behalf to recover any payment due under this Agreement.

27.11 You should be aware of the possibility that other taxes or costs may exist in addition to the sums referred to in this Agreement which are not a condition of the Agreement or imposed by us.

We typically require a personal guarantee in connection with this Agreement.

Schedule 1

Interest rates

Transaction Type

Business Rate

Card Purchases


Cash Withdrawals



Transaction limits

Type of payment


All transactions:

Your credit limit.

ATM withdrawals and manual bank cash withdrawals:

Over a 24 hour period, you may only make two cash withdrawals.

Over a 24 hour period, you may only withdraw a maximum of £400.

All Cash Withdrawals:

100% of total credit limit per transaction.


Fees and Charges

Manual Bank Cash Withdrawal (Domestic): £0

Manual Bank Cash Withdrawal (International): £0

Default charges:



When is it added to the Account?

For missing the Minimum Payment


Four days after the date you should have made the payment as long as your outstanding balance is over £0

Sending a Default Notice


On the date we send the Default Notice

For enforcing repayment, including legal and tracing costs

Our reasonable costs

When we enforce or incur costs in seeking to trace you


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