Business Debit Card
Cardholder Terms
Additional Conditions
For all HSBC Business Debit Card Cardholders
as of 1 December 2014.
Table of Contents Page
How to reach us 3
If you have a disability 3
1. What you should know 4 1.1 Where there are differences 4 1.2 Technical language 4 1.3 ‘We’, ‘you’ and ‘Connected Person’ 4
2. Your Debit Card and PIN 5 2.1 Getting and changing your PIN 5 2.2 Renewing or replacing your Debit Card 5 2.3 Contactless Debit Cards 5
3. Using your Debit Card 5 3.1 What you can do with your Debit Card 5
4. Keeping things secure 6 4.1 What you agree to do 6 4.2 What you agree not to do 6 4.3 Loss, theft or misuse of your Debit Card, PIN or security details 6
3
How to reach us
If your Business Debit Cards, PINs or security details are lost or stolen:
Call us any time, day or night:
• if you’re in the UK, Channel Islands or the Isle of Man : 03456 00 70 10 • if you’re outside the UK: +44 1442 42 29 29
• if you are disabled and have a textphone: 08000 28 35 16.
If your Business Debit Card is declined or you forget your PIN:
Call us (from 8am to 10pm everyday) on: if you’re in the UK, Channel Islands or the Isle of Man: 03457 60 60 60 if you’re outside the UK: +44 1226 26 08 78 if you are disabled and have a textphone and: you’re in the UK, Channel Islands or the Isle of Man: 03457 12 55 63 you’re outside the UK: +44 1792 49 23 94
If you want to know our current exchange rates and charges:
Visit any HSBC branch
Call us any day between 8am and 10pm on 03457 60 60 60
If you have a disability
SightYou can request these Additional Conditions in large print or audio from any HSBC branch. We can also give you Braille and large-print statements and templates for cheque books.
Hearing or speech
You can call us by textphone:
• if you’re in the UK, Channel Islands or the Isle of Man: 03457 12 55 63 • if you’re outside the UK: +44 1792 49 43 94
We can also arrange a sign-language service for you.
We may monitor or record our conversations with you (for example, phone calls, letters, emails) to improve our service, or for security
1. What you should know
Your HSBC Business Debit Card (which we’ll call your ‘Debit Card’) comes with these Additional Conditions (which we’ll call ‘Card Terms’). They set out what you can expect from us – and what we expect from you.
You should read them together with our Business Banking Terms and Conditions, which also apply – especially the parts that talk about Cardholders, making Debit Card Payments and using Debit Cards. For the most up-to-date versions of these Card Terms, our Business Banking Terms and Conditions, the ‘Business Banking Made Easy’ brochure and our Price List, just ask us – in any HSBC branch, by phone or find them on our website.
1.1 Where there are differences
Where there’s a conflict between these Card Terms and our Business Banking Terms and Conditions, these Card Terms take precedence. If there’s a conflict between these Card Terms and the Customer Information Appendix in our Business Banking Terms and Conditions, the Customer Information Appendix takes precedence.
1.2 Technical language
Some of the words and phrases in this document have a specific meaning. We’ve capitalised these words, and included them in the Glossary at the end of our Business Banking Terms and Conditions.
1.3 ‘We’, ‘you’ and ‘Connected Person’
1.3.1 In these Card TermsBy ‘we’, ‘us’ or ‘our’, we mean HSBC Bank plc. By ‘you’ or ‘your’, we mean the person who signed the Business Debit Cardholder Application Form as ‘Cardholder’.
1.3.2 In the Customer Information Appendix in our Business Banking Terms and Conditions
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2. Your Debit Card and PIN
2.1 Getting and changing your PIN
We’ll give you a PIN when you take out your Debit Card. You can change it any time. If you change it within thirty days of the date your Debit Card expires, you’ll need to change it again when your new Debit Card arrives. This is because your new Debit Card will have reverted to your old PIN.
2.2 Renewing or replacing your Debit Card
We can decide not to replace or renew your Debit Card. We won’t replace or renew Debit Cards which originally came from a Business Money Manager account.
2.3 Contactless Debit Cards
We may give you a Debit Card that has contactless technology (so you can pay for small things without entering your PIN).
There’s a limit on how much you can pay per transaction by contactless – we’ll tell you what this is when we send it to you. The limit may change over time. If it does change, we’ll let whoever is the main customer on your account know (they’re responsible for passing the message to you and any other Cardholders).
3. Using your Debit Card
3.1 What you can do with your Debit Card
3.1.1 At all our Self-Service machines and at LINK/VISA machines in the UK, Channel Islands, the Isle of Man
• withdraw cash* • check your balance
3.1.2 At some Self-Service machines in the UK, Channel Islands, the Isle of Man
• pay in cash and cheques
• transfer money between your accounts (Internal Transfers) • set up recurring payments
3.1.3 At some Self-Service machines in UK
• make donations to some charities • top up your mobile phone
• withdraw cash in US dollars or euro (we’ll show you our current exchange rate, how much you’ll get and how much that is in pounds on-screen, before you go ahead – then deduct that amount in sterling from your account as soon as you confirm it).
3.1.4 In shops and online anywhere in the UK, Channel Islands, the Isle of Man or overseas that accepts VISA
• pay for goods and services
3.1.5 In shops in the UK, Channel Islands, the Isle of Man
• get ‘cash-back’
3.1.6 Overseas
• withdraw cash* from any Self-Service Machine with the VISA logo.
*We’ll set a limit on the amount of cash you can withdraw in a day with your Debit Card. We’ll tell you what that limit is when we send you your Debit Card.
4. Keeping things secure
4.1 What you agree to do
You agree to take reasonable precautions to keep your Debit Card and security details (such as PINs, security numbers and passwords) safe and secure – including (among other things), to:
4.1.1 Act quickly when you get your Debit Card
• sign your Debit Card as soon as you get it (if it has a signature strip) • destroy any written record of your PINs and any instructions we send you immediately after receipt • choose security details for your accounts, cards and services with us that you don’t use elsewhere 4.1.2 Take precautions • only enter your Debit Card details on ‘secure payment’ websites and software • shield the keypad when you’re typing in your PIN (at Self-Service Machines, or in shops and restaurants, for example) • tell us immediately if you change your name or employer • follow any instructions we give you about security.
4.2 What you agree not to do
You agree not to:
4.2.1 Put your card, PIN or security details at risk
• let anyone else use your Debit Card or PIN
• give your Debit Card number, PIN or security details to anyone else (except when you’re buying or paying for things)
• choose a PIN or other security details that might be easy to guess
4.2.2 Give away your PIN
• give your PIN when you’re paying for things (whether it’s over the phone, over the internet or in person) • write down or record your PIN or other security details in a way that someone else might understand • tell your PIN to anyone else – even us, or the police
4.2.3 Use your card wrongly
• tamper with your Debit Card
• use your Debit Card to do anything illegal. If you do, the person named on the Business Debit Cardholder Application Form as our customer will be responsible. They may have to pay us and the relevant debit card scheme back in full for whatever you spend, plus any charges
• use your Debit Card if it’s suspended, cancelled or expired or if you’ve changed your employer.
4.3 Loss, theft or misuse of your Debit Card, PIN or security details
If you know or suspect that your Debit Card, PIN or security details have been lost, stolen or misused, you agree to: • tell us as soon as you reasonably can by calling our 24 hour emergency number (see ‘How to reach us’ on page 3 of these Card Terms) • help us and the police with our investigations • report any unauthorised transactions to the police within seven days of us asking you to • destroy any Debit Cards you’ve reported as lost or stolen, if you find them again (by cutting them up, for example).
About HSBC
HSBC Bank plc is a company registered and established in England and Wales under registration number 14259. Our registered office is at 8 Canada Square, London E14 5HQ. Our VAT registration number is GB365684514.
HSBC Bank plc is: authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (our firm reference number is 114216)
regulated by the Jersey Financial Services Commission for Banking, General Insurance Mediation and Investment Business
licensed by the Guernsey Financial Services Commission for Banking, Insurance, Collective Investment Schemes and Investment Business
licensed by the Isle of Man Financial Supervision Commission.
