Page 1 of 5 05 October 2020
MRS E STRACHAN Statement No. 122
FLAT 1/R Branch GLASGOW THE FORGE
299 ONSLOW DRIVE Sort Code 80-07-78
GLASGOW Account No 00888046
G31 2QQ IBAN GB60 BOFS 8007 7800 8880 46
BIC BOFSGB21064
Banking Helpline 03457 801801
www.bankofscotland.co.uk
CLASSIC VANTAGE 05 September 2020 to 05 October 2020
Your Account Arranged Overdraft limit £400
Date of previous statement 04 September 2020
Balance on 05 Sep 2020 £5,786.29
Money in £1,059.03
Money out £1,307.18
Balance on 05 Oct 2020 £5,538.14
Credit interest £0.00
Arranged overdraft interest £0.00
Your Interest Rates Fees Explained
Any balance up to £5000.00 will earn the interest rate in the table below subject to account conditions. No Other fees for special services and details of all other fees and
additional interest will be paid on any balance over £5000.00. charges for personal customers are detailed in either the Banking
Balances of AER% Gross p.a.% Charges guide; the Reward payments, interest and account fees
leaflet; or the Price List (Private Banking), depending upon which
£5,000.00+ 0.00 0.00 type of account you have.
£4,000.00+ 1.50 1.49
£1.00+ 0.60 0.60
Amount of Arranged Overdraft Arranged Overdraft
£0.00+ 0.092% per day (39.9% EAR* variable)
We apply the daily interest rate shown above to your arranged overdraft balance at the end of the day
*EAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged
over the year based on how often and how much you are overdrawn by, and the effect of compounding it -
charging interest on interest already charged. This interest rate does not include any other fees and charges.
AER is the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and
compounded once each year.
From 6th April 2016 your non ISA interest is paid gross, this means that we will not deduct tax automatically
from your interest. Depending on your personal circumstances tax may be due on the interest and it is your
responsibility to disclose and pay any tax due directly to HM Revenue and Customs (HMRC).
Bank of Scotland plc. Registered office: The Mound, Edinburgh, EH1 1YZ. Registered in Scotland, no. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority under number 169628.
Important information about compensation arrangements
Deposits held with us are covered by the Financial Services Compensation Scheme (FSCS). We will provide you with an
information sheet and exclusions list every year.
For further information about the compensation provided by the FSCS, refer to the FSCS website at www.FSCS.org.uk
Useful information about fees
Fee Type Fee description
Debit Card If you use your debit card to withdraw cash or make a payment, in a currency other than pounds, the amount is converted to
Fee pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate on that day. We will charge a foreign
currency transaction fee of 2.99% of the value of each transaction. This is a fee for currency conversion.
If you use your card to make a purchase or other transaction (not cash withdrawal) in a currency other than pounds, whether in
person or by internet or phone, we will also charge a £0.50p foreign currency purchase fee. The foreign currency purchase fee
does not apply to Platinum or Premier debit cards; or if your payment is made in euro within the EEA or UK.
If you use your debit card to withdraw cash in a currency other than pounds (at a cash machine or over the counter) we will also
charge a foreign currency cash fee of £1.50. Where you elect to allow the cash machine operator/financial service provider to
make the conversion to pounds we will only charge a foreign cash fee of £1.50. We won’t charge a foreign currency cash fee or a
foreign cash fee if you: withdraw euro within the EEA or UK; or withdraw euro from outside the EEA or UK and the cash machine
operator’s payment service provider is based in the EEA or UK. The provider of the foreign currency may make a separate charge
for conversion.
Cashpoint® When you use your Cashpoint® card to make a cash withdrawal (at a cash machine or over the counter), in a currency other than
Card Fee pounds, the amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate on
that day. We will charge a foreign currency transaction fee of 2.99% of the value of each transaction. This is a fee for currency
conversion. We will also charge a foreign currency cash fee of £1.50. Where you elect to allow the cash machine
operator/financial service provider to make the conversion to pounds we will only charge a foreign cash fee of £1.50. The provider
of the foreign currency may make a separate charge for the conversion. We won’t charge a foreign currency cash fee or a foreign
cash fee if you: withdraw euro within the EEA or UK; or withdraw euro from outside the EEA or UK and the cash machine
operator’s payment service provider is based in the EEA or UK.
You can find more information on our website about the exchange rates that apply to your transaction to help you compare them with other
card issuers' rates.
• Interest-free. Some accounts offer an Arranged Overdraft subject to application and approval with an Interest-free overdraft facility. Please
refer to the account terms and conditions for more information.
Cashpoint® is a registered trademark of Lloyds Bank plc and is used under licence by Bank of Scotland plc.
We use the Visa payment scheme exchange rate. You can find out the Visa payment scheme exchange rate by telephoning 0345 721 3141 (+44
131 339 2573 from abroad), however, if you call before a transaction is added to or taken from your account, the rate we provide will only be
indicative.
Keep it safe and secure
• Check your statements. If you see any transactions you’re not aware • Keep your bank statements in a safe place. Dispose of your paper
of, ring the Bank Account or Savings and Investments number. Find statements by shredding and recycling them — don’t just put them in
these under the Useful Numbers section on this page. a bin.
• Keep your card and PIN safe. Never give anyone else your card, PIN
or password. If you think that your card is missing or that someone
knows your PIN or password, call 0800 015 1515 immediately.
Dispute Resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we
handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem
with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.
Further information about your account
If you have a Silver, Gold, Platinum, Premier, Private Banking Premier or Ultimate Reward Current
Account the insurance packages are monthly contracts and are provided as a benefit of the account.
There is a monthly maintaining the account fee for these bank accounts which includes various benefits.
Useful Numbers
We recommend that you review the cover provided every year to ensure that it continues to meet your Bank Accounts
needs. Full details of the cover provided, including contact details, are contained within the account 0345 721 3141
booklet provided to you at the start of your cover. If you close your account the cover provided through Easycash and Cardcash
the programme will cease immediately, unless you are moving from one qualifying account to another. If 0345 850 5525
Bank of Scotland closes your account your cover will cease on the date detailed on your notice of Savings and Investments
termination. If you have misplaced your account booklet please go into your local branch where a 0345 602 0304
colleague will order you a replacement. Alternatively contact the Bank Account number on 0345 721
3141 to request a further copy. Lost/Stolen Cards
0800 015 1515
If you do not wish to receive marketing mailings, please write to the Registered Office below.
Private Banking
Privacy notice. We work hard to keep your information secure, which includes regularly reviewing our 0345 711 1111
privacy notice. You can view our full privacy notice at the link below or call us for a copy on 0345 721
For more information about our
3141 www.bankofscotland.co.uk/securityandprivacy/privacy
online service, please visit www.
Please Note. We can end or vary the terms of our current accounts and overdrafts (including the interest bankofscotland.co.uk/aboutonline
rate and other charges) at any time in the way set out in the Bank Account Conditions. We recommend
that you continually assess whether an overdraft is the most suitable form of borrowing for your current Bank of Scotland does not charge
needs. Calls may recorded and monitored. for the provision of the online
banking facility. The cost of your
online connection is dependent on
your Internet service provider.
Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 169628. We
adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk
Statement No. 122 Sort Code 80-07-78
05 October 2020 Account Number 00888046
Page 3 of 5
CLASSIC VANTAGE
Your Transactions
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
04 Sep 20 STATEMENT OPENING BALANCE 5,786.29
07 Sep 20 DEB ICELAND CD 1316 05SEP20 9.00 5,777.29
07 Sep 20 DEB HOME BARGAINS CD 1316 06SEP20 6.46 5,770.83
07 Sep 20 DEB WM MORRISONS STORE CD 1316 06SEP20 12.50 5,758.33
07 Sep 20 DD VIRGIN MEDIA PYMTS 06556941 314636001001 55.49 5,702.84
08 Sep 20 DEB WM MORRISONS STORE CD 1316 4.69 5,698.15
10 Sep 20 DEB HOME BARGAINS CD 1316 2.93 5,695.22
10 Sep 20 DEB COORIE DOON CD 1316 4.50 5,690.72
10 Sep 20 DEB NO.26 CD 1316 5.00 5,685.72
10 Sep 20 DEB COORIE DOON CD 1316 10.90 5,674.82
11 Sep 20 DEB MARKS&SPENCER PLC CD 1316 32.80 5,642.02
14 Sep 20 SO RESIDENTS 229 ONSL 0004 15.00 5,627.02
14 Sep 20 DEB MARKS&SPENCER PLC CD 1316 5.00 5,622.02
15 Sep 20 BGC YZ865389D DWP PIP 238.80 5,860.82
15 Sep 20 BGC SPF-PENS 621.92 6,482.74
16 Sep 20 DD SCOTWEST CREDIT UN 00339125 YZ865389D 50.00 6,432.74
16 Sep 20 DEB FARMFOODS 183 CD 1316 5.76 6,426.98
16 Sep 20 DEB AMERICAN EXPRESS CD 1316 594.51 5,832.47
18 Sep 20 BGC YZ865389D DWP EESA 32.36 5,864.83
18 Sep 20 DEB HOME BARGAINS CD 1316 10.44 5,854.39
18 Sep 20 FPO BRIAN CONROY 200000000649264726 18SEP20 50.00 5,804.39
19:21
21 Sep 20 DEB MYM LIMITED CD 1316 19SEP20 50.00 5,754.39
21 Sep 20 DEB Deichmann Shoes CD 1316 20.98 5,733.41
21 Sep 20 FPO SCOTTISH PRISON SE 500000000652294218 50.00 5,683.41
21SEP20 19:02
22 Sep 20 DEB MARKS&SPENCER PLC CD 1316 3.60 5,687.01
22 Sep 20 DEB Deichmann SE 0106 CD 1316 7.99 5,695.00
22 Sep 20 DEB THE CLARKS SHOP CD 1316 29.00 5,666.00
22 Sep 20 DEB ICELAND CD 1316 6.00 5,660.00
22 Sep 20 DEB FARMFOODS 183 CD 1316 11.49 5,648.51
23 Sep 20 CPT LNK GLASGOW DUKE S CD 1316 23SEP20 100.00 5,548.51
23 Sep 20 DEB THE CLARKS SHOP CD 1316 29.00 5,577.51
25 Sep 20 DEB FARMFOODS 200 CD 1316 3.76 5,573.75
28 Sep 20 DEB HOME BARGAINS CD 1316 26SEP20 11.12 5,562.63
28 Sep 20 DEB ICELAND CD 1316 26SEP20 11.92 5,550.71
28 Sep 20 DD VODAFONE LTD 07423689 279459035-00001 23.54 5,527.17
28 Sep 20 DD GLASGOW-CTAX 07276029 801691541 26.00 5,501.17
(Continued on next page)
Bank of Scotland plc. Registered office: The Mound, Edinburgh, EH1 1YZ. Registered in Scotland, no. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority under number 169628.
Statement No. 122 Sort Code 80-07-78
05 October 2020 Account Number 00888046
Page 4 of 5
CLASSIC VANTAGE
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
28 Sep 20 DD SCOTTISH GAS 09037075 850007198599 38.27 5,462.90
29 Sep 20 DEB ASHERS BAKERY CD 1316 4.50 5,458.40
29 Sep 20 DEB ICELAND CD 1316 4.95 5,453.45
30 Sep 20 FPI SUSAN MALCOLMSON ELAINE 23.00 5,476.45
CBBPI1405154767823
01 Oct 20 DD TV LICENCE MBP 19054074 1484988917 13.20 5,463.25
01 Oct 20 DD SCOTTISH GAS 20177762 850009425256 27.47 5,435.78
02 Oct 20 BGC YZ865389D DWP EESA 32.36 5,468.14
02 Oct 20 FPI BRIAN CONROY THANK YOU 70.00 5,538.14
4ZOWENZPJLOR42MDQK
02 Oct 20 STATEMENT CLOSING BALANCE 1,307.18 1,059.03 5,538.14
Payment types:
DEB - Debit Card SO - Standing Order FPO - Faster Payment FPI - Faster Payment
DD - Direct Debit BGC - Bank Giro Credit CPT - Cashpoint
Transaction Details
The "Details" column in your statement shows the date that a Debit Card payment has come into or out of your account only if
that happened on a weekend or a Bank Holiday.
Ways to manage your arranged overdraft.
No matter what current account you have, we have several features to help you manage your money.
Mobile and Internet Banking - You can access Internet and mobile banking 24 hours a day 7 days a week. By making use of Internet
Banking you can track your money, make payments and transfers and see your statements.
Alerts - We can also send you mobile alerts. Alerts can help you manage your money and avoid charges. They remind you when
you need to pay cleared funds into your account. They can also help you avoid going into an unarranged overdraft or having
payments refused. Unless you’ve opted out, you’ll automatically receive alerts provided we have an up to date mobile number for
you.
To find out more visit www.bankofscotland.co.uk/alerts
Calculating the cost - If you have an arranged overdraft with us, would like to increase the limit on an existing one, or are thinking
of applying for an arranged overdraft, you can calculate the cost using our cost calculator tool at
www.bankofscotland.co.uk/overdrafts
You can also find general information about the cost of arranged overdrafts at www.bankofscotland.co.uk/overdrafts
Keeping track of your borrowing - An overdraft is there to help out when you need to borrow in the short term. But if you use it
often and don’t reduce your balance, you could pay more in charges than other forms of borrowing.
You should consider if an arranged overdraft facility is the most suitable option for you to borrow money. If you would like to
discuss potential alternative options that we may be able to provide please contact us on 03457 801801. You can see our range of
borrowing options at www.bankofscotland.co.uk/borrow
You should also consider whether your account type is still right for you.
Bank of Scotland plc. Registered office: The Mound, Edinburgh, EH1 1YZ. Registered in Scotland, no. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority under number 169628.
Statement No. 122 Sort Code 80-07-78
05 October 2020 Account Number 00888046
Page 5 of 5
CLASSIC VANTAGE
Historical Information
We have applied the following fees or interest rates (or both) to your account during the statement period.
Effective from - 05 September 2020 to 30 September 2020
The interest rates that applied to your account changed.
Your Interest Rates
Any balance up to £5000.00 will earn the interest rate in the table below subject to account conditions. No additional interest will be paid on any balance over £5000.00.
Balances Of AER% Gross p.a. %
£5,000.00+ 0.00 0.00
£4,000.00+ 2.00 1.98
£1.00+ 1.00 0.99
To get interest paid each month, all you need to do is:
• Stay in credit during the month.
• Pay in at least £1,000.00, for example your salary, each month.
• Have at least two different direct debits paid from your account during the calendar month.
Amount of Arranged Overdraft Arranged Overdraft
£0.00+ 0.092% per day (39.9% EAR* variable)
We apply the daily interest rate shown above to your arranged overdraft balance at the end of the day
*EAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged over the year based on how often and how much you are overdrawn by,
and the effect of compounding it - charging interest on interest already charged. This interest rate does not include any other fees and charges.
AER is the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
From 6th April 2016 your non ISA interest is paid gross, this means that we will not deduct tax automatically from your interest. Depending on your personal circumstances tax may be due
on the interest and it is your responsibility to disclose and pay any tax due directly to HM Revenue and Customs (HMRC).
Bank of Scotland plc. Registered office: The Mound, Edinburgh, EH1 1YZ. Registered in Scotland, no. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority under number 169628.
