fees and service charges explained - danske bank and service charges explained personal customers...

Fees and service chargesexplainedPersonal customers (On sale accounts)

Correct as at 13 January 2018

• January 2018_28653UK 2017.qxp_Northern Bank_M65_4.s_2 29/11/2017 16:46 Page FC1

• January 2018_28653UK 2017.qxp_Northern Bank_M65_4.s_2 29/11/2017 16:46 Page FC2

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This leaf let explains the fees and service chargesthat may apply, depending on which services youuse and which type of product you have. It explainsthe default charges which may also apply.

In this leaf let a business day means a Monday,Tuesday, Wednesday, Thursday or Friday, exceptbank holidays and other holidays in NorthernIreland when the bank is usually open forbusiness. (There are exceptions to this, includingservices such as CHAPS and the Faster PaymentsService. There are details of these exceptions inour Personal Payment Table on our website atwww.danskebank.co.uk/docs).

Please see our ‘Interest rates’ leaf let for details ofthe interest rates that may apply. This leaf let is alsoavailable on our website atwww.danskebank.co.uk/docs.

If you need information on a personal currentaccount you hold that is no longer on sale, pleaseask a member of staf f or visit our website atwww.danskebank.co.uk/docs, where you can f indour 'Fees and service charges explained - accountsno longer on sale' leaf let.

Sect ion 1: Fees and serv ice charges onpersonal current accountscurrently on sale

Sect ion 2: Currency accounts

Sect ion 3: Fees and serv ice charges for otherserv ices

Sect ion 4: Fees and serv ice charges on creditcards

Sect ion 5: Default charges

Sect ion 6: What happens if we make a changeto a fee or serv ice charge?

The information in this leaf let is correct as at 13 January 2018.

We have set out the information in dif ferentsections.

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Section 1: Fees and service charges on personalcurrent accounts currently on sale

We of fer a range of personal current accounts.

We also offer a current account mortgage calledDanske Re:pay. See section 1b, section 3, section 5and section 6 for details of the relevant fees andservice charges which may apply to the DanskeRe:pay account.

Account AgeIs an

arrangedoverdraftavailable?

Maximumarrangedoverdraft

available without a fee for setting

it up

Danske Discovery 11 to 17 No Does not apply

Danske Freedom 18 to 27 Yes £3,000

Danske Standard 18 andover No Does not apply

Danske Choice 18 andover Yes £7,500

Danske Cash Reward 18 andover Yes £7,500


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1a Fees and service charges that may apply whether you have a credit balance or a debit balance

Cheque payments If you have one of the accounts listed in the tablebelow you can make up to four cheque paymentseach calendar month free of charge (see the notebelow). For each extra cheque paid out of youraccount during that month, we will chargeyou the fee shown below.

Note to this table:1. If you use a cheque to make a payment out of your account at aDanske Bank branch in Northern Ireland, we will count this as acheque payment.

Account Fee

Danske Cash RewardDanske ChoiceDanske Freedom andDanske Standard

Cash withdrawals at a DanskeBank branch in Northern Ireland 70p

Note to these tables:1. If a fee for cash withdrawals or cheque payments is due, beforewe charge this to your account we will write to you and tell youthe amount that we will charge. We will write to you at the end ofthe month and charge the fee to your account on the lastbusiness day of the next month.

Account Fee

Danske Cash RewardDanske Choice andDanske Freedom

Cheque payments 70p

Cash withdrawals If you have one of the accounts listed in the tablebelow you can make up to four cash withdrawals ata counter of any Danske Bank branch in NorthernIreland each calendar month free of charge. Foreach extra cash withdrawal out of your account ata counter of any Danske Bank branch in NorthernIreland, we will charge you the fee shown below.


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Monthly account feeIf you have a Danske Cash Reward account, we willtake a monthly account fee from your account onthe last business day of each month.

Account Fee

Danske Cash Reward £2

each month

Fee

Chequebooks collected at branchIf you use a chequebook, we will aim to post you achequebook free of charge before your currentchequebook is finished. We do not keep chequebooks inour branches. However, if you would prefer to collectyour chequebook from your branch, we will charge youthe fee shown opposite. We will charge this fee on the day that yourchequebook is ordered.

£2.50 for eachcheque

book

Extra statements and copies of statementsWe will provide account statements, or make themavailable to you at the end of any month where a paymenthas been made to or from your account. Otherwise wewill provide a statement or make one available to youevery half year. We issue all monthly statements at theend of the calendar month. If you would like extrastatements, the fees are as shown below.

• A statement showing a list of recent paymentsto and from your account, often requested forlegal or tax purposes:

£3 for eachstatement

• A printout of recent payments to and from youraccount:

£3 for eachprintout

• A copy of a statement which was previouslysent to you:

£6 for eachpage

Note to this table:1. In the month the account is opened, the monthly account feewill be proportionate to the number of days the account has beenopen. We will not take an account fee in the month the account isclosed or changed to another product.

Chequebooks and statements

Notes to this table:1. Before we charge a fee for providing a statement showing a listof recent payments to and from your account or a printout ofpayments to and from your account, we will write to you and tellyou the amount that we will charge. The amount we will charge isworked out at the end of each month and we will charge thisamount to your account on the last business day of the nextmonth. 2. If you ask for a copy of a statement, we will charge the fee onthe day that we issue the statement.


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Description Fee

Using your debitcard forpayments orwithdrawals in aforeign currency(non-sterlingtransactions)(See note 1)

When you use your debit card fornon-sterling transactions, youwill pay the following non-sterling transaction fees.(See note 2)

Making a purchase:

• Non-sterling transaction fee

plus

• Non-sterling purchase fee

Withdrawing cash

• Non-sterling transaction fee

plus

• Non-sterling cash fee

2.75% (of thevalue of thepurchase)

plus

£0.75 (for each

transaction)

2.75% (of thevalue of cashwithdrawal)

plus

£1.25(for each cash

withdrawal)

Notes to this table:1. You will not have to pay any of the non-sterling fees set out aboveif you have chosen to pay in sterling. When you pay in sterling(instead of the relevant foreign currency) the merchant or the cash-machine operator will convert the currency using their ownexchange rate. This can be more expensive than paying in theforeign currency. You should always check the exchange rate andthe amount of any fees before you make a payment or withdrawal insterling while abroad.

2. We apply the non-sterling transaction fee by adjusting theDanske Bank Card Exchange Rate (UK). You can f ind this rate onour website at www.danskebank.co.uk/travelmoney.

3. The amount of the fee will be shown on your statement.

4. For cash withdrawals, we will charge the non-sterling fees at thetime the withdrawal is applied to your account. The amount of thenon-sterling transaction will be taken of f the available balance onyour account immediately, but the balance will not take account ofany of the fees described above. The amount that is actually takenfrom your account will depend on the Danske Bank Card ExchangeRate (UK) on the date that the transaction is processed. The feeswill be shown separately on your statement. The amount withdrawncould be taken from your account several days after the date youmade it.

Non-sterling payments and withdrawalsusing your debit card


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1b Other fees and service charges that canapply on overdrafts and Danske Re:payaccounts

Overdraft Set-Up feeFor each of our personal current accounts thatof fer an arranged overdraft, there is a maximumarranged overdraft that is available without a feefor setting it up (an ‘overdraft set-up fee’). This isshown in the table below.

If you need an arranged overdraft higher than themaximum listed in the table, the overdraft set-upfee is 1% of the extra amount. For example, if youhave a Danske Choice account and set up anarranged overdraft for £10,000, the overdraftset-up fee would be £25. This is 1% of £2,500(the extra amount of the overdraft above £7,500).We will charge this fee at the time we agree togrant you the overdraft.

Account AgeIs an

arrangedoverdraftavailable?

Maximumarrangedoverdraft

available without a fee for setting

it up

Danske Discovery 11 to 17 No Does not apply

Danske Freedom 18 to 27 Yes £3,000

Danske Standard 18 andover No Does not apply

Danske Choice 18 andover Yes £7,500

Danske Cash Reward 18 andover Yes £7,500


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Unarranged overdraft fees and service charges

If we are asked to pay an item such as a cheque,direct debit or standing order from your accountand you do not have enough money in your account,or your arranged overdraft or arranged excess isnot enough to cover the payment, the followingfees and service charges can apply.

The fees below only apply to Danske Cash Reward,Danske Choice, Danske Freedom and DanskeRe:pay.

Type of fee AmountWhen we will charge the fee

Arrangedoverdraftusage fee

• Arranged overdraft balance of £100 or less

• Arranged overdraftbalance of more than £100

Free

£12

We will charge anarranged overdraftusage fee each monthyou use an arrangedoverdraft set-up onthe account.


Paid Transaction Fee £25

We will charge a paidtransaction fee for each daythat we pay an item or group ofitems, up to the monthly capset out on page 9. The most wewill charge you each day is£25.

Unpaid Transaction Fee £25

We will charge an unpaidtransaction fee for each itemthat is not paid (in other words,each item that 'bounces'), up tothe monthly cap set out onpage 9.

With the exception of Danske Re:pay, we will notcharge any of the fees above if the amount youraccount was overdrawn by, or would have beenoverdrawn by, is £5 or less.

Arranged overdraft fees and service charges

The fee below only applies to Danske Cash Rewardand Danske Choice.


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The fee below only applies to Danske Cash Reward,Danske Choice and Danske Freedom.

We will not charge an unarranged overdraft usage feeif the amount your account was overdrawn by, or wasover your arranged overdraft limit by, is £5 or less.

The fee below only applies to Danske Standard.


Unarranged overdraft usage fee

£25

We will charge an unarrangedoverdraft usage fee, up to themonthly cap set out on page 9,each month that: • your account goes overdrawn when you do not have an arranged overdraft; or• you go over your arranged overdraft limit; without our agreement.

If you go over an arrangedoverdraft limit during themonth, you will pay both anarranged overdraft usage feeand an unarranged overdraftusage fee.


Returned item fee £15

We will charge a returned itemfee for each direct debit orstanding order we cannot payfrom your account because youdo not have the funds availableto cover the payment, up to themonthly cap set out on page 9.

We will not charge a returned item fee if theshortfall in your account would have been £5 or less.


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The monthly cap on unarranged overdraft chargesfor each of our personal current accounts currentlyavailable is shown in the table below. The monthlycap on unarranged overdraft charges does notapply where you have a Danske Re:pay account.

Each calendar month we will charge a maximum ofthree fees and service charges for using, or tryingto use, an unarranged overdraft.

We will charge any paid transaction or unpaidtransaction fees f irst, up to the value of themonthly cap. If the total of these fees does notalready meet the monthly cap, we will apply theunarranged overdraft usage fee if appropriate.

Information on how to reduce or avoid fees,charges and interest is provided on our website atwww.danskebank.co.uk/reducefees.

Monthly cap on unarranged overdraft charges

1. Each current account will set a monthlymaximum charge for:(a) going overdrawn when you have not

arranged an overdraft; or(b) going over/past your arranged overdraft limit

(if you have one).2. This cap covers any:

(a) interest and fees for going over/past your arranged overdraft limit;

(b) fees for each payment your bank allowsdespite lack of funds; and

(c) fees for each payment your bank refuses dueto lack of funds.

Account Monthly cap

Danske Cash RewardDanske ChoiceDanske Freedom

£75

Danske Standard £45


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1. We recommend that you have enough funds available in youraccount by the end of the day before any payments are due to be madefrom your account. This is because most automatic payment systems,such as those for direct debits and standing orders, will try to collectpayments from a few minutes past midnight on the day that thepayment is due. However, in line with most UK banks, we will notrefuse to make a payment from your account if you pay in enoughcleared funds before the cut-off time set out in the payment table (seewww.danskebank.co.uk/docs). Different types of payment havedifferent cut-off times. If you do not pay in enough cleared funds beforethe cut-off time, we cannot guarantee that you will be able to avoidpaying any unarranged overdraft fees.

The term ‘cleared funds’ means that funds must be availableimmediately, so you could transfer money from another account youhave with us through eBanking or mobile banking, or pay in cash at abranch.

When you write a sterling cheque from your account, the cheque canbe processed using either the 'paper clearing process' or the 'imageclearing process'. The person the cheque was paid to can also decideto have the cheque 'specially presented', which means that we willmake a decision on whether or not to pay the cheque when we areasked to pay it and the cheque does not go through the clearingprocess. It is important to note that not all cheques will be clearedusing the new processes. This means that, until the end of 2018, youcannot be certain how long it will take for a cheque to clear.

You should make sure you have enough funds available in youraccount from the date that you write the cheque until it is paid.However, if the cheque is processed using the paper clearing processor the image clearing process, you must have enough funds availablein your account at the time set out below on the day that we are askedto decide whether or not to pay the cheque.

Paper clearing process - 3.30pmImage clearing process - 2pm

There is more information on the time the clearing process takes inthe payment table on our website at www.danskebank.co.uk/docs.

2. If you are due to pay an unpaid transaction fee, a paid transactionfee, a returned item fee, an arranged overdraft usage fee or anunarranged overdraft usage fee during a month, we will not chargethese service charges at the time they become due. Instead we willwrite to you at the end of the month and tell you the amount that wewill charge and when. We will charge this amount to your account onthe last business day of the next month. We will combine all of theservice charges that are shown on your pre-notification and chargethem as one amount. This amount will be shown on your statement as‘Fees according to advice’.

3. Unpaid transaction fees and paid transaction fees can also apply toDanske Re:pay accounts. We will charge an unpaid transaction fee onthe day that the item is returned and charge a paid transaction fee onthe day the items are paid. There is no limit to the number of unpaidtransaction fees or paid transaction fees that can apply in anycalendar month as the monthly cap does not apply to Danske Re:pay.

Notes to the tables on pages 7, 8 and 9:


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When we charge these fees and servicecharges to your account

1. Cheques issued, SEPA Direct Debits paid,cash lodged and cash paid out. Before wecharge a fee for cheques issued, SEPA DirectDebits paid, cash lodged and cash paid out, wewill write to you and tell you the amount that wewill charge. The amount we will charge is workedout at the end of each month and we will chargethis amount to your account on the last businessday of the next month.

Fee

Cheques Issued €3

Account Maintenance Fee€25

every three months

Euro accounts with a chequebook

Single Euro Payments Area (SEPA) Direct Debits

Fee

SEPA Direct Debits€13

for each direct debit

Euro accounts

Service Fee

Cash lodged – foreign currency lodged to acurrency account in the same currency

1%

Cash paid out – foreign currency withdrawnfrom a currency account in the samecurrency

1%

All currency accounts

Section 2: Currency accounts


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Unpaid Transaction Fee and Paid Transaction Fee - Currency accountsIf an item such as a cheque, direct debit orstanding order is presented for payment on youraccount and you do not have enough money in youraccount or your arranged overdraft or arrangedexcess is not enough to cover the payment, thefollowing fees and service charges can apply. Thetable below shows when we will charge each of thefees.

2. Account maintenance feeBefore we charge a quarterly(three-monthly)account maintenance fee to your account, wewill write to you at the end of each quarter (thatis, at the end of March, June, September andDecember) and charge the fee to your accounton the last business day of the next month (thatis, April, July, October and January).

We will combine all of the service charges that areshown on your pre-notif ication and charge them asone amount. This amount will be shown on yourstatement as 'Fees according to advice'.

Type of fee Amount When we will charge the fee

Unpaid transactionfee: When we returnan item unpaid onyour account(sometimes knownas ‘bouncing’ anitem).

€28 We will charge an unpaid transactionfee for each item that is not paid (inother words, each item that‘bounces’).

Paid transaction fee:When an item orgroup of items is paidon your account andyour account isoutside, or goesoutside, yourarranged overdraftlimit or arrangedexcess (or you have adebit balance and noarranged overdraft inplace).

€25 Each day that we pay an item or groupof items and you have an unarrangedoverdraft, we may charge you a paidtransaction fee. We may choose not tocharge a paid transaction fee if yourbalance is only just beyond yourarranged overdraft limit or arrangedexcess or, if you do not have anarranged overdraft, if your accountonly just goes overdrawn.

Notes to this table:1. If you are due to pay an unpaid transaction fee, this will becharged on the day that the item is returned. It will be shown onyour statement as ‘Unpaid transaction fee (Direct Debits)’,'Unpaid transaction fee (Cheques)', or 'Unpaid transaction fee(Standing Orders)'.

2. If you are due to pay a paid transaction fee, this will be chargedon the day that the item or items are returned. It will be shown onyour statement as 'Paid transaction fee'.


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Section 3: Fees and service charges forother services

Description Fee

Banker’s draft

Sometimes, when you are makinga payment, the person orcompany you are paying may askyou to pay by banker’s draft.

The fee to buy a banker’s draft isas shown opposite.

The fee to cancel a draft is shownopposite.

£10

£10

Bank Giro Creditpayment made onbehalf of a personwho is a DanskeBank customer inthe UK

Bank Giro Creditpayment made onbehalf of a personwho is not aDanske Bankcustomer in theUK

Payments made to a Danske Bankaccount in the UK

Payments made to an account withanother bank or building society

Payments made to a Danske Bankaccount in the UK

Payments made to an account withanother bank or building society

Free

£3

Free

£8

Cheque sent forcollection orspecialpresentation

Usually when you pay a chequeinto your account it will gothrough the normal clearingsystem. You can ask for thecheque to be specially presentedor sent for collection rather thansent through the clearing cycle.This means that the cheque willbe sent directly to the branch ofthe bank that it was drawn on toconf irm that they will pay it.

The fee for this service for eachcheque is shown opposite.

£10

Cheque or paperlodgements

Paper clearing process - if youwant a copy of a cheque that hasbeen paid into or out of youraccount, you can ask us for acertif ied copy.

Image clearing process - if youwant an image of a cheque thathas been paid into or out of youraccount you can ask us for acertif ied copy of the image.

The fee for each item we returnis shown opposite.

£10

This is a list of some of the other services available.In all cases, we charge the fee or service charge toyour account at the time you use the service.


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Description Fee

Foreign currency

If you are acustomer with aDanske Freedom,Danske ChoicePlus or DanskePrestigeaccount, you arenot chargedcommission.

You can order some foreigncurrencies through our eBankingservice. There is no commissioncharge for this service.

If you order foreign currency inyour branch, or if we buy foreigncurrency from you, there is acommission charge, which isshown opposite.

Free

£3

Traveller’scheques

When we buy foreign currencytraveller’s cheques from you,there is a commission chargewhich is shown opposite.

When we buy sterling traveller’scheques from you, there is nocommission charge.

0.25% (minimum £3,

maximum £20)

Free

Electronictransfer

Sending an electronic transfer

Using these Faster PaymentsService options:

• eBanking

• Via a Third Party Provider(TPP) using the Open BankingAPIs

• 24 Hour Telephone Banking

• Mobile Banking

• Danske Bank branch in the UK

CHAPS

Receiving an electronic transfer

Faster Payments Service

Bacs payment

CHAPS Sterling direct credit

Non-sterling direct credit

Direct credit from an account inthe Danske Bank group

Free

Free

Free

Free

£5

£30

Free

Free

£6

£7

Free

Stopping acheque

If you have made a chequepayment from your account andyou want to stop the cheque frombeing paid, you need to tell usimmediately. The fee for stoppinga cheque is as shown opposite.

£10 for eachcheque


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Description Fee

Closing youraccount early orwithdrawingmoney from afixed-term deposit

If you have chosen a f ixed-termdeposit, you cannot makewithdrawals during this term,except under specialcircumstances where you mustapply to make a withdrawal orclose the f ixed-term depositaccount early. Depending on thef ixed term of your account, youmay also need to give 90 days'notice. If we allow you to make awithdrawal or close youraccount, you will have to pay anadministration fee (shownopposite) and a funding cost mayalso apply (as set out in yourterms and conditions).

£10

Text messagesand emails

To help keep you up to date withyour account balance, we cansend you a text message or email to let you know when yourbalance falls above or below alevel you have set with us. Thiswill help you know when apayment (such as your salary) isin your account, or when you aregetting near a debit balance oryour overdraft limit on youraccount.

The fees for these messages areas follows.

Email:

Text message:

Free

Free (although your

phonecompany may

charge you)


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Description Fee

Safe custody

(Customers witha Midas Goldsavings accountare not chargedfor safekeepingof valuables)

If you store items for safekeeping at the bank, the fee for this servicewill depend on the number of itemsor boxes that you have placed insafekeeping.

The fees for the following areshown opposite.• Up to three items• Each extra item• Box

£30 plus VAT£2.50 plus VAT£60 plus VAT(for each box)

Notes to these tables:1. For more information on limits and the types of payment pleasesee the Payment Table. The Payment Table is set out at the end ofPart 3 of the General Terms and Conditions which are on ourwebsite at www.danskebank.co.uk/docs.

2. We no longer accept new items for safekeeping except fromcustomers with a Midas Gold savings account. This does notaf fect items already placed in safekeeping.

3. Please see our ‘Fees and service charges explained - foreignpayments' leaf let for information on fees and service chargesrelating to foreign payment services. This leaf let is also availableon our website at www.danskebank.co.uk/docs.


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Description Fee

Cash withdrawals

When you use your credit cardto:· withdraw sterling from a cash

machine in the UK or at aDanske Bank branch inNorthern Ireland; or

· withdraw foreign currencyfrom a cash machine in the UKor abroad (if the cash-machineoperator has carried out thecurrency conversion using itsown exchange rate);

The fee for this service is shownopposite.

Withdrawals up to £100

Withdrawals of over £100

£2.75

2.75% of thevalue of the cash

withdrawal

Copies ofstatements

If you need a copy of a creditcard statement we havepreviously sent you, the fee isshown opposite.

£5 for eachstatement

Copies oftransactionvouchers

If you have used your card to doa paper-based transaction(rather than electronic), the feefor providing you with a copy ofthe voucher for a payment youhave made with your credit cardis shown opposite.

£5 for eachvoucher

Type of credit card Who can apply for this card?

Mastercard Standard Anyone over 18

Section 4: Fees and service charges oncredit cards

We of fer the following credit cards. Whether weoffer you a credit card, and the limit on the creditcard, will depend on your circumstances (this is inline with our normal lending conditions).

The following fees and service charges apply on all ourcredit cards:


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Description Fee

Emergency cards

If your card is lost or stolen andyou need us to send you anemergency replacement card,the fee for this service is shownopposite.

£20

Emergency cash

If you need emergency cash tobe delivered to you either in theUK or abroad, you can arrangethis through your card provider(either Mastercard or Visa).The fee for this service isshown opposite.

We will treat this as a cashadvance and the appropriatefees and service charges for acash withdrawal will also apply.

£20

Using your creditcard forpayments orwithdrawals in aforeign currency(non-sterlingtransactions)(See note 1)

When you use your credit cardfor non-sterling transactions,you will pay the following non-sterling transaction fees (See note 2)

• Making a purchase:

• Withdrawing cash from acash machine or using yourcredit card to buytraveller’s cheques orforeign currency:

2.75% (of the value of the

purchase)

2.75% cash fee

(minimum £2.75)

plus

2.75%(of the value of thecash withdrawal)

Notes to this table:1. You will not have to pay non-sterling fees if you pay in orwithdraw sterling. When you pay in sterling (instead of the relevantforeign currency) the merchant or cash-machine operator willconvert the currency using their own exchange rate. This can bemore expensive than paying in the foreign currency. You shouldalways check the exchange rate and the amount of any fees beforeyou make a payment or withdrawal in sterling while abroad.

2. We apply the non-sterling transaction fee by adjusting theDanske Bank Card Exchange Rate (UK). You can f ind this rate onour website at www.danskebank.co.uk/travelmoney.

3. The amount of the fee will be shown on your statement.

4. For cash withdrawals, we will charge the non-sterling fees at thetime the withdrawal is applied to your account. The amount of thenon-sterling transaction will be taken off the available balance onyour account immediately, but the balance will not take account ofany of the fees described above. The amount that is actually takenfrom your account will depend on the Danske Bank Card ExchangeRate (UK) on the date that the transaction is processed. The feeswill be shown separately on your statement. The amount withdrawncould be taken from your account several days after the date youmade it.


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The charges in this section are default charges.These are dif ferent from the fees and servicecharges explained in previous sections, in that youwill only have to pay default charges if you break anagreement you have made with us.

Credit card late payment chargeIf you have a credit card with us, your credit cardstatement will show you the latest date when youshould pay your credit card bill. If you pay your billlater than this date, we will charge you a latepayment charge, which is currently £8.

Debt Management Department costs andexpensesIf we need to involve our Debt ManagementDepartment to deal with your account, you mustpay all reasonable costs and expenses. These mayinclude the cost of writing to you or the cost oftaking steps to f ind you or get back any money youowe us (including debt collection or similar agencycosts and legal costs). These may also includecosts that arise when taking possession of anyproperty used as security. For more details,contact your branch.

Section 5: Default charges


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Section 6: What happens if we make a changeto a fee or service charge?

If we make a change to any of the fees or servicecharges in sections 1, 2 and 3 we will tell you atleast two months before the change comes intoforce. Any change will come into force at the end ofthe two month notice period, unless you tell us thatyou object to the change on or before the date thechange is due to take place. If you do object to thechange, you have the right to end your agreementand close your account without being chargedanything extra.

If we make a change to any of the fees, servicecharges or default charges in sections 4 and 5,and that change puts you at a disadvantage, we willgive you written notice of the change at least 30days before the change comes into ef fect.


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Correct as at 01/2018

This publicat ion is alsoavailable in Braille, in largeprint, on tape and on disk.Speak to a member of staf ffor details.

Danske Bank is a trading name of Northern Bank

Limited which is authorised by the Prudential

Regulation Authority and regulated by the Financial

Conduct Authority and the Prudential Regulation

Authority, Financial Services Register, reference

number 122261.

Registered in Northern Ireland R568.

Registered Of f ice:

Donegall Square West

Belfast BT1 6JS

Northern Bank Limited is a member of the

Danske Bank Group.

www.danskebank.co.uk

28653UK

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