Consumer cardholder terms

These terms

Information about us and how to contact us

Commencement and expiry of these Terms

Issuance and activation of the Card


Non-execution of a Transaction

Access to information on Transactions and available funds in the Account

If you would like us to provide you with the e-statement more often than monthly or not by email (or if agreed differently under this section 7, more often than agreed or in a different manner than agreed) then we may charge you a reasonable administration fee to cover our costs of providing the information more often or in a different manner.

Loss of the Card / Transaction refunds

Blocking of the Card

We may block the Card, in which case you will not be able to execute any further Transactions, if we have reasonable concerns about the security of the Card or suspect the Card is being used in a fraudulent or unauthorised manner. We will notify you of any such blocking in advance, or immediately after if this is not possible, and of the reasons for the suspension unless to do so would compromise reasonable security measures or otherwise be unlawful. We will unblock the Card and, where appropriate, issue a new Card, PIN and other security features free of charge as soon as practicable once the reasons for the suspension cease to exist.

Data Protection

Fees and spending limits


Third Party Payment Service Providers

Cooling off period

Other important terms

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