Banking Charges Guide. - TSB
BankingChargesGuide.Not exactly a thriller.But definitely essential reading.
01ContentsIntroductionto our feesand interest02page 40304Overdraftspage 1006How can youavoid payingfees andinterest?0709page 34Fees for usingyour cardpage 2110Fees forother servicespage 35UnarrangedOverdraftsand refusedpaymentspage 15page 12page 18Fees for receivinginternationalpayments intoyour accountpage 805ArrangedOverdraftsMaintaining theaccount fee08Fees for makingpayments out ofyour accountpage 30
01Introductionto our feesand interestWhat is coveredin this booklet?We’re talking about the fees that you mightneed to pay when you use certain services ifyou have: a current account an overdraft a savings account.If you have a current account, you’ll see a listof the most common fees and charges in ourseparate Fee Information Document.If you have a savings account, you won’t becharged most of the fees in this booklet. But ifyou do any of these things you’ll be charged: make a CHAPS payment use your ATM card abroad order a duplicate statement.This booklet is part of your terms andconditions for your account with us.You might find it helpful to keep it withyour bank statements and use it to planahead and avoid being charged fees.4
Some termsexplained.You’ll have to pay a fee if: you have a current account with amaintaining the account fee we refuse a payment due to lack of funds you make certain payments from youraccount, such as making a debit cardpayment in a foreign currency or makingan international payment you use other services, like ordering a copyof a statement.Monthly billing cycle This is the period of time that we use to workout any fees and interest that you need topay us. For most accounts, the monthly billing cycleis from the second of the month, to the firstof the next month. For example, it would befrom the 2 May to the 1 June. You can check what your monthly billingcycle is by asking in branch or calling us on03459 758 758.These fees are all explained in this booklet.If you want to use a service that we haven’tcovered here, we’ll always let you knowbeforehand if you’re going to be charged.Returned item feeThis is a fee you’ll pay when you don’t haveenough money to make the following typesof payment: Direct Debit standing order cheque future dated payment.01 – Introduction to our feesWhat types of feesdo we have?This is explained on page 17.5
When do fees come out of your account?We take different fees from your account at different times. The table below explains more.Type of feeWhen is it taken from your account?Maintaining the account fee At the end of your monthly billing period. If your monthly billing cycle is from the second of one monthto the first of the next, these fees will be taken on the firstof each month. If you change an account or service with aregular fee part way through your billing period, you’ll onlypay for the time you’ve actually had it.Arranged and Unarranged Overdraft interest At the end of your monthly billing period. This will usuallybe on the first of each month. We’ll tell you at least 14 days before these fees and interestare taken from your account.01 – Introduction to our fees(this fee is for added value accounts only)Returned item fees Fees you’re charged where youdon’t have enough money in your account to make apayment and it is refused due to lack of fundsFees for using your debit card abroadFees for making a debit card payment in a foreigncurrencyAt the time you use the service.CHAPS paymentsInternational paymentsMaking an internationalpayment from your account.If an international paymentis made into your account.At the time you make thepayment.At the time you receive thepayment into your account.Can we change our fees? Yes. We can change any of our fees. For more information about this, and when we’ll tell youabout any changes, please see section 10 of the Personal Banking terms and conditions.6
01 – Introduction to our fees7
02Maintainingthe accountfee8What maintainingthe account feewill you pay for usinga current account?The table on the following page shows whetheryou’ll pay a maintaining the account fee for yourcurrent account. If you have a savings account,you won’t pay a maintaining the account fee.
What maintaining the account fee willyou pay for using a current account?Type of current accountMaintaining the account feeUnder 19sNo feeClassicClassic PlusStudentGraduateSilver 12Platinum 20The following accounts are no longer available to new customers:Classic EssentialsNo feeEnhanceSelect 8.95Gold 15Premier 2502 – Maintaining the account feeCashIf you’re not sure what type of current account you have, please log into your Internet Banking at tsb.co.uk,visit any branch or call us on 03459 758 758.9
03OverdraftsWhat type ofoverdraft canyou have?We offer two types of overdraft: An Arranged Overdraft is when you ask usfor an overdraft before you need the money.If we give you an Arranged Overdraft, we’llset a certain limit for you. An Unarranged Overdraft is when we decideto lend you money to pay for somethingwithout you applying for an overdraft first.You’re asking for an Unarranged Overdraftif you try to pay for something when there’snot enough money in your account or youspend more than the limit on your ArrangedOverdraft (if you have one).Can you havean overdraft?You must be 18 or over to ask us foran overdraft. You can only apply for anoverdraft if you have a current account.All of our overdrafts are repayable on demand.This means that we can ask you to repaysome or all of your Arranged or UnarrangedOverdraft at any time. If you don’t, this couldaffect your credit rating and your ability toborrow money in the future.Overdrafts are subject to application andstatus. This means that we check your personalcircumstances when you apply for an overdraft,to see if you can have one with us.Please remember, we can’t always giveyou an overdraft.For more information about our overdrafts,see section 9 of the Personal Banking termsand conditions.To help avoid overdraft charges visittsb.co.uk/current-accounts/overdrafts10
03 – Overdrafts11
04ArrangedOverdraftsWhat interest rateapplies for using anArranged Overdraft?You only pay interest if you use your ArrangedOverdraft over any interest free amount.Interest free amounts are explained on page 13.There’s no fee for setting up yourArranged Overdraft.If you borrow more than your interest freeamount, the interest rate in the table applies.Interest on the amount you use2.84% a month39.9% EAREAR is the Equivalent Annual Rate. This is the actualannual rate of an overdraft. It doesn’t take into accountfees and charges. Overdraft interest rates are variable.This means that they can go up or down. For moreinformation, see section 10 of the Personal Bankingterms and conditions where we tell you about changesto interest rates.Find out which accounts don’t offeran Arranged Overdraft – see page 14.12All accounts
Arranged Overdraftinterest freeamounts.Some of our current accounts have anArranged Overdraft which offers an interestfree amount.You need to apply for an Arranged Overdraft(and then we need to agree to give you one)to have an interest free amount.The table on the next page tells you whatthe interest free amount is for each of ourcurrent accounts.04 – Arranged OverdraftsThis means that you won’t pay any interestif you use an Arranged Overdraft up to thatinterest free limit.13
Type of accountUnder 19sInterest free amount (you must have successfully applied for an Arranged Overdraft before you can get this)You can’t have an Arranged Overdraft on these accounts.04 – Arranged OverdraftsCash14Classic 0Classic Plus 0StudentUp to 1,500GraduateUp to 2,000Silver 50Platinum 300These accounts are not available for new customers:Classic EssentialsYou can’t have an Arranged Overdraft on this account.Enhance 0Select 50Gold 150Premier 500
05What is themaximummonthly charge?UnarrangedOverdraftsand refusedpaymentsTo make comparing bank accounts easierfor you, banks and building societies are settinga maximum monthly charge. Each bank maycharge a different amount, but all banks areexplaining this to their customers in the sameway, with the same wording. This wordingis in the box to the right.We’ll never charge you more than 30 eachmonthly billing period for the following feesadded together: returned item fees interest charged on the amount you borrowusing an Unarranged Overdraft.The maximum monthly charge doesn’t includeinterest we charge for Arranged Overdrafts.Be money-minded.Register for balance alerts– see page 20.Monthly cap on unarrangedoverdraft charges.1. Each current account will set a monthlymaximum charge for:a. going overdrawn when you have notarranged an overdraft; orb. going over/past your arrangedoverdraft limit (if you have one).2. This cap covers:a. interest and fees for going over/pastyour arranged overdraft limit;b. fees for each payment your bankallows despite lack of funds; andc. fees for each payment your bankrefuses due to lack of funds.15
05 – Unarranged Overdrafts and refused payments16What interest willyou pay for usingan UnarrangedOverdraft?You’ll pay interest on all money you borrowusing an Unarranged Overdraft at the rateshown in the table for all accounts whereyou can have an overdraft.If you have a Cash, Classic Essentialsor U19s account we won’t charge youUnarranged Overdraft interest.See page 17 for more information.Interest on the amount you use2.84% a monthAll accounts39.9% EAREAR is the Equivalent Annual Rate. This is the actualannual rate of an overdraft. It doesn’t take into accountfees and charges. Overdraft interest rates are variable.This means that they can go up or down. For moreinformation, see section 10 of the Personal Bankingterms and conditions where we tell you about changesto interest rates.
You can’t have an Arranged Overdraft on oneof these accounts.In some rare circumstances, we may have togive you an Unarranged Overdraft. If we dothis, we won’t charge you any fees or interest.This might happen if you make a payment on aplane, and we can’t check at the time whetheryou’ve got enough money to cover it.We’ll write to tell you we’ve not allowed you touse an Unarranged Overdraft and that we’llcharge you a fee for refusing a payment due tolack of funds. We call this a returned item fee.We don’t charge any returned item fees on ourCash accounts or Under 19s accounts.FeeAmountReturned item fee 3 for each returned item.Remember, you’ll never be chargedmore than 30 each monthly billingcycle for all Unarranged Overdraftinterest and returned item fees.05 – Unarranged Overdrafts and refused paymentsCan you have anPayments refusedoverdraft if you have due to lack of funds.Sometimes you might not have enough moneya Cash, Classicto pay for a Direct Debit, standing order,or future dated payment. If we don’tEssentials or Under chequegive you an Unarranged Overdraft, you won’tbe able to make the payment.19s account?17
06How can youavoid payingfees andinterest?Retry periods.Our retry periods can help you avoid payingreturned item fees if there isn’t enough moneyin your account to make a payment and itis refused due to lack of funds. For DirectDebits, cheques, standing orders or futuredated payments, we’ll give you extra time to putmoney into your account so that we can makethese payments.The money needs to be immediately availableto use. You could transfer money from anotheraccount you have with us by using Internet,Telephone or Mobile Banking, or the MobileApp. Or, you could pay in cash over thecounter in branch or transfer money fromanother bank account you have.If you do pay enough money into your account,we’ll make the payment, and you won’t becharged a returned item fee.18
What are our retry periods?How many times will we try to make the payment beforewe charge you a returned item fee?Future dated paymentIf there’s not enough money in your account, the payment won’t go through. We’ll try four times to make it:1. Shortly after midnight on the due date (or the next working day if it’s a non-working day).2. Again early in the morning that same day. We’ll usually try between 5am and 7am but sometimes we’ll need to tryslightly earlier than 5am or later than 7am.3. Again after 2.30pm that same day.4. Shortly after midnight the next working day after we first tried to make the payment. If it still doesn’t go throughafter the fourth try, it won’t be paid (it is refused due to lack of funds) and you’ll be charged a returned item fee.If you don’t have enough money in your account to pay a standing order three times in a row, we’ll cancel it. Forexample, if you have a monthly standing order and don’t have enough money to pay it three months in a row, we’llcancel it after this happens.Standing orderDirect DebitIf there’s not enough money in your account, the payment won’t go through.We’ll try three times to make it:1. Shortly after midnight on the date the organisation you’ve set the Direct Debit up with has tried to collect it.2. Again early in the morning that same day. We’ll usually try between 5am and 7am but sometimes we’ll need to tryslightly earlier than 5am or later than 7am.3. Again after 2.30pm that same day. If it still doesn’t go through after the third try, it won’t be paid (it is refused due tolack of funds) and you’ll be charged a returned item fee.ChequeIf there’s not enough money in your account, the payment won’t go through. We’ll try three times to make it:1. Shortly after midnight on the working day after your cheque is paid into the other person’s account.2. Again early in the morning that same day. We’ll usually try between 5am and 7am but sometimes we’ll need totry slightly earlier than 5am or later than 7am.3. Again after 2.30pm the same day to allow for any transfers in, or deposits you have made. If it still doesn’t gothrough after the third try, it won’t be paid (it is refused due to lack of funds) and you’ll be charged a returneditem fee.06 – How can you avoid paying fees and interest?Payment thatcan’t be made19
06 – How can you avoid paying fees and interest?Grace period.20Our grace period means that you have until 10pm to paymoney into your account to avoid paying any Arranged andUnarranged Overdraft interest. If you pay enough money in bythen, you’ll avoid paying Arranged and Unarranged Overdraftinterest that we may charge that day.The money needs to be immediately available to use.You could transfer money from another account you havewith us by using Internet, Telephone or Mobile Banking,or the Mobile App. Or, you could pay in cash over the counterat a branch, or transfer money from another bank accountyou have.If you don’t pay in enough money by 10pm, you’ll be chargedthe Arranged or Unarranged Overdraft interest explainedearlier in this booklet.Balance Alerts andText Alerts.Our range of text alerts is a great way to stay up-to-date withyour account. Text alerts help you to manage your account,make sure you have enough money to make any payments,and to avoid charges such as Unarranged Overdraft interestand returned item fees.When you open a personal current account with us or give usa valid UK mobile number, you’ll automatically be registeredfor certain text alerts. These include: An Arranged Overdraft alert when you go into anArranged Overdraft. A Near Limit Alert when you have 50 or less available tospend in your account. A n Over Limit Alert when you are over your account limit orwhen you do not have enough money to make a payment.You can also register for our other text alerts to help you keepbetter track of your money wherever you are, such as: High and Low Balance Alerts when your balance goesabove or below limits you set. Daily or Weekly Balance Alerts for your account balance,including details of your six most recent transactions. Overseas Transaction Alerts when your debit card is usedabroad.How do I customisetext alerts.You can change, pause or cancel your alerts wheneveryou want. For instance, you might be heading overseas andwant to avoid being charged by your mobile operator forreceiving texts.You can do this by logging on to Internet Banking and clickingon Text Alerts on the right hand side under ‘Your accounttools’. From there you get the option to change or cancel yourtext alerts. You can also call us on 03459 758 758, or visit usin branch.
Using your card to make a cashwithdrawal in pounds within the UK.Where you useyour card to makea cash withdrawalOur feesAny other feesOur cash machinesNo feesNo fees07Feesfor usingyour cardOur branchesAny other cash machineor branch You may be charged by the ownerof the branch or cash machine. You’ll be told the amount whenyou withdraw the cash.21
07 – Fees for using your cardMaking a cashwithdrawal inforeign currencyfrom a cash machineor over the counter.You can make a cash withdrawal if you havean ATM card or a debit card. You may payfees for doing this. These are explained in thetables on pages 24 and 25.Some termsexplained.Making a cash withdrawal in foreign currencymeans: a cash withdrawal in foreign currency froma cash machine or over the counter in the UK a cash withdrawal in foreign currency outsidethe UK from a cash machine or over the counter a cash withdrawal in pounds outside the UK.Over the counter outside the UK means: in a bank in a foreign country in a currency exchange in a foreign country.22When will the cashbe converted intopounds?When you use your card to make a cashwithdrawal in foreign currency, the cashis converted into pounds. This normallyhappens on the day you withdraw the cash.The Personal Banking terms and conditionsexplain more about this.When you use a cash machine to makea cash withdrawal in foreign currency,you can sometimes choose if you want thecurrency to be converted by us or the cashmachine operator.The exchange rate and charges you’ll paydepends on which option you choose,and these are explained in the tables onpages 24 and 25.We’ve a handy calculator to helpyou see the total cost of yourcurrency charges (includingthe way we charge above theEuropean Central Bank Exchangerate). Visit tsb.co.uk/currencyconversion-calculator
If you don’t choose this option, the conversionwill be done by us.When you want to withdraw foreign currency,we can’t tell you which the cheapest option is.This is because we don’t know what chargesand exchange rates are used by the cashmachine operator.“Making an international paymentisn’t rocket science. Find outmore at nts07 – Fees for using your cardYou can choose this by selecting the amountyou want to withdraw in pounds (not the foreigncurrency) on the cash machine. Some cashmachines won’t allow you to do this.Is it cheaper for usto convert thecurrency, or the cashmachine operatoror other bank?“How can you choosefor the cash machineoperator to convertthe cash?23
Fees for using your debit card to make a cashwithdrawal in foreign currency.07 – Fees for using your cardThese are the fees you’ll pay if you make a cash withdrawal in foreign currency either from a cash machine or over the counter.FeeWe do the currencyconversionThe cash machine operator, foreign bank orcurrency exchange does the conversionDescriptionOur feesWhichexchange ratewill be used?Our feesWhichexchange ratewill be used?Any otherfeesNon-poundstransaction fee(you’ll be charged this ifyou make a payment orcash withdrawal in foreigncurrency)2.99%of the amountwithdrawnThe exchangerate will bethe one set byMasterCard orVisa dependingon what type ofcard you have.There aren’t any fees.The cashmachineoperator orforeign banksets the fees.Non-pounds cash fee(you’ll be charged this if youmake a cash withdrawal inforeign currency)1.5%* ofthe amountwithdrawn(minimum 2and maximum 4.50)The cashmachineoperator orforeign bankmay chargean additionalfee. We can’ttell you whatthis is, as it’sset by eachoperator.1.5%* of the amountwithdrawn (minimum 2and maximum 4.50 foreach transaction). If youhave a Cash account,you won’t pay this fee.*You’ll not be charged a non-pounds cash fee if you make a cash withdrawal in euros from a cashmachine in an EEA country. In this case the EEA doesn’t include the UK, so you’ll be charged the nonpounds cash fee if you withdraw cash in euros in the UK.Real life example: You withdraw the equivalent of 100 in a foreign currency at a cash machine and we do theconversion for you: If you withdraw dollars in the USA you’ll pay the 2.99% non-pounds transaction fee ( 2.99) and the 1.5% non-poundscash fee (min. 2). Total fees 4.99. If you withdraw euros in France you’ll only pay the 2.99% non-pounds transaction fee ( 2.99). Total fees 2.99.24
Fees for using your ATM card to make a cashwithdrawal in foreign currency.These are the fees you’ll pay if you make a cash withdrawal in foreign currency either from a cash machine or over the counter.We do the currencyconversionDescriptionOur feesWhichexchange ratewill be used?Our feesWhichexchange ratewill be used?Any other feesNon-poundstransaction fee2.99% of the amountwithdrawnThere aren’t any.The cashmachineoperator orforeign banksets the fees.Non-poundscash fee1.5%* of the amountwithdrawn(minimum 1.50)The exchangerate will bethe one set byMasterCard or Visadepending onwhat type ofcard you have.The cash machineoperator orforeign bankmay charge anadditional fee. Wecan’t tell you whatthis is, as it’s setby each operator.07 – Fees for using your cardFeeThe cash machine operator,foreign bank or currency exchangedoes the conversion*You’ll not be charged a non-pounds cash fee if you make a cashwithdrawal in euros from a cash machine in an EEA country. In this casethe EEA doesn’t include the UK, so you’ll be charged the non-poundscash fee if you withdraw cash in euros in the UK.Jetting off? Travel savvy with ourtips on using cards abroad attsb.co.uk/help/support/travel25
2607 – Fees for using your card
us or the seller you’re buying something from.For example, if you’re buying something in ashop abroad, the exchange rate and chargesyou’ll pay depend on which option you choose.These are explained in the table on the next page.07 – Fees for using your cardDebit card payments and othertransactions in a foreign currency.You can only buy things when you’re abroadHow can youif you have a debit card. If you have an ATMcard, you can’t do this.choose whetherIf you buy something when you’re abroad,TSB or the sellerwe’ll charge you fees.does the conversion?When will theIf you want the seller to do the conversion,when you’re paying you’ll need to selectcurrency bethe amount you want to pay in pounds(not the foreign currency). Some sellers won’tconverted whenallow you to do this.you make a debitIs it cheaper for uscard payment in ato do the conversionforeign currency?You can sometimes choose whether youor the seller?want the currency conversion to be done byWe can’t advise you on this because we don’tknow what charges and exchange rates wouldbe used by the seller.27
07 – Fees for using your cardFees you’ll pay if you make a debit cardpayment in a foreign currency.FeeWe do thecurrency conversionThe seller doesthe conversionDescriptionOur feesWhich exchange ratewill be used?Our feesWhichexchange ratewill be used?Any other feesNon-poundstransaction fee(you’ll be charged this ifyou make a debit cardpayment in a foreigncurrency)2.99% of theamount of thepayment inpoundsThere aren’t any.The seller setsthe exchangerate.The sellermight chargea fee.Purchase fee(you’ll be chargedthis if you make adebit card paymentin a foreign currency.You won’t pay this feeif you have a Premier orPlatinum account) 1 pertransaction*The amount isconverted intopounds on the dayit’s processed by thecard operator. Theexchange rate willbe the one set byMasterCard or Visadepending on whattype of card you have.*You’ll not be charged a Purchase fee if you use your card to pay for something in eurosin the EEA. For this purpose the EEA doesn’t include the UK, so you will be charged thePurchase fee if you make a purchase in euros in the UK.28
Examples of how fees work if you make a debitcard payment in a foreign currency.You buy something in a shop abroad costing 50p, 5 or 30 and choose us to do the conversion.The table below shows how much you’ll pay.50p 5 30AccounttypeTotalamountyou’ll payContactlessand Chip& PINtransaction(TSB chargesonly)Totalamountyou’ll payPayment in euros in an EEA countryAny other foreign currency paymentPlatinum orPremier2.99% 0.01 0.512.99% 0.01 0.51All otheraccounts2.99% 0.01 0.512.99% 1 1.01 1.51Platinum orPremier2.99% 0.15 5.152.99% 0.15 5.15All otheraccounts2.99% 0.15 5.152.99% 1 1.15 6.15Platinum orPremier2.99% 0.90 30.902.99% 0.90 30.90All otheraccounts2.99% 0.90 30.902.99% 1 1.90 31.9007 – Fees for using your cardPurchaseamount(equivalentin pounds)Contactlessand Chip& PINtransaction(TSB chargesonly)29
08Fees formakingpaymentsout of youraccountPayments from your account inpounds to an account in the UK.Type of feeDescriptionAmountCHAPS paymentThis sends money electronically to an accountat any other bank in the UK on the same day.If you send a CHAPS payment, a notificationto the person you’re paying will be sent. 30CHAPS payments are usually used for largeamounts of money.Banker’s draft/chequeThis is where you ask us to write a cheque foryou, from money in your account. 20For help with managing youraccount and making payments go totsb.co.uk/help-and-support/general/30
International payments out of your account.These are payments when you’re sending money within the UK in a foreign currency or sendingmoney outside the UK.Fees for all accounts exceptCash accountsFees for Cash accountsInternational payment usingInternet Banking If the payment is in euros to an EEAcountry: 0 All other payments up to 5,000: 10 All other payments over 5,000: 17.50 If the payment is sent in pounds within theEU: 0 If the payment is sent in euros to an EEAcountry: 0 All other payments up to 5,000: 10 All other payments over 5,000: 17.50International payment usingTelephone Banking or inbranch If the payment is in euros to an EEAcountry: 0 All other payments: 20 If the payment is sent in pounds within theEU: 0 If the payment is in euros to an EEAcountry: 0 All other payments: 20Correspondent bank fee.This is the fee you’ll paywhen you’re making apayment outside the EEA,Switzerland and Monacoand you decide to pay allthe charges 6 6Real life example: You use Internet Banking to pay 100 euros to your friend who lives in France.You’ll pay a fee of 0. You make a payment of 250 to your cousin in USA over the phone. You decideto pay all the charges. You’ll pay our fee of 20, plus the correspondent bank fee of 6.08 – Fees for making payments out of your accountType of fee31
08 – Fees for making payments out of your accountWho pays the charges?32Type of internationalpaymentWho’ll pay the charges?You make a payment toan account in the EEA,Switzerland or Monacoin branch, over the phoneor using Internet BankingYou will share the charges with the person you are paying: You’ll pay all of our charges (including the charges of any agent bank we use).If we use an agent bank when making the payment, their charge (if any) willbe taken from the amount you are paying before it reaches the person youare paying; and The person you are paying will pay their bank’s charges.You make a payment to anaccount in any country usingInternet Banking
Who pays the charges?You make a payment to anaccount in any country inbranch or over the phoneWho’ll pay the charges?You can choose any of the below: You can share the chargesYou pay all of our charges (including the charges of any agent bank we use),and the person you are paying will pay their bank’s charges. If we use an agentbank when making the payment, their charge (if any) will be taken from theamount you are paying before it reaches the person you are paying. You can pay all of the chargesYou pay all of our charges (including the charges of any agent bank we use),and all of the charges from the bank of the person you are paying. If we usean agent bank when making the payment, their charge (if any) will be takenfrom the amount you are paying before it reaches the person you are paying. The person you are paying pays all of the chargesThis includes our charges, and all of their own bank’s charges.We’ll always confirm the charges you’ll pay before you agree to make the international payment.08 – Fees for making payments out of your accountType of internationalpayment33
09International paymentsinto your account.Fees forreceivinginternationalpaymentsinto youraccountFees for all accountsexcept CashaccountsFees for Cashaccounts SEPA payments: 0 SEPA payments: 0 Any other payments receivedin euros: 0 Any other payments receivedin euros: 0 All other payments where thepayment is up to 100: 2 If the payment is received inpounds from within the EU: 0 All other payments where thepayment is over 100: 7 All other payments where thepayment is up to 100: 2These are payments that you receive from an account outside the UKand/or in a foreign currency.Type of feeInternationalpaymentreceived All other payments where thepayment is over 100: 7Single Euro Payments Area (SEPA) payments are electronic payments made in eurosbetween two member countries both within the SEPA region, through the SEPA credittransfer scheme. Payments from member countries will usually arrive via this scheme.Please see the Personal Banking terms and conditions for a list of SEPA membercountries.34
10Fees for other services.There are a few other services that we offer which you’ll need to paya fee for if you use them. These are explained in the table below.ServiceDescriptionAmountCancellinga chequeYou’ll pay this fee if you tell us you wantto canc
09 10 Introduction to our fees and interest page 4 Maintaining the account fee page 8 06 How can you 07 avoid paying fees and interest? page 18 Fees for using your card page 21 03 Overdrafts 04 05 page 10 Arranged Overdrafts page 12 Unarranged Overdrafts and refused payments page 15 Fees for making payments out of your account page 30 Fees for .
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Classic or Classic Plus with Control 10 Student 0 Graduate 0 Silver 9.95 Platinum 17 . over the phone and at tsb.co.uk/rates-and-charges With our overdrafts: You must be 18 or over to apply. You must be a UK resident.
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