Premium Plus Guide

• Cover for theft or damage
• Cover for items you buy as gifts
• No need to register items you buy
• Up to £6,000 per claim (£2,500 for any one item)
• Multiple claims allowed in any 12 months, up to £/€10,000 aggregate value.

Insurance T&Cs apply.

•  Cover for fraudulent card use by employees, including contract and temporary staff
•  Up to £15,000 per cardholder and £1,000,000 per account holder, per year.

Insurance T&Cs apply.

You’ll be covered overseas if you pay your trip in full with your Premium Plus credit card.

• Quickly alerts you if there’s a transaction we’re not sure about
• Messages include transaction details and what to do next
• Reminds you to keep your contact details up to date.

Chip and PIN

• When buying online, use the three digits on the back of your card for extra security
• Change your PIN at most UK ATMs.

Contactless

• To enable contactless payments, you must first make a transaction using Chip and PIN.

Apple Pay

• Card information is secure because it isn’t stored on your device or shared.

• If the PIN is entered incorrectly three times in a row, your card will be locked
• To unlock, reset your PIN at most UK ATMs.

When logging in to your account or buying things online, you’ll sometimes need to prove your identity.

You’ll need:
•  Something only you know, like a password or PIN
Something only you have, like your phone or card reader.

If you think someone may have used your card online without your permission, contact us straightaway and we’ll check it out.

^*If you don’t make at least your minimum payment on time each month, or if you go over your business credit limit, you’ll immediately lose any promotional rates you have. If you do lose your promotional rate, or when your promotional rate ends, we’ll transfer promotional balances to your standard balance, or cash balance if they relate to cash transactions.

^†Up to 56 days’ interest-free credit on business purchases. If you do not pay your balance in full, you will pay interest on the outstanding balance in line with the standard terms and conditions.

^ΔStandard cashback T&Cs apply. The maximum amount of cashback you can earn in any cashback year is £400. 0.5% cashback applies to eligible purchases that you or an additional cardholder makes. This excludes purchases that are returned or refunded, balance transfers, cash withdrawals, cheque purchases, insurance premiums, interest, default charges and other fees and charges.

^**Insurance T&Cs apply. If you opt out of insurance, you won’t be eligible for the insurance benefits and won’t be able to make a claim. If you’d like to opt back in, please call us on 0800 008 008 and we’d be happy to help. We’re open 24 hours a day, seven days a week.

^††Available on iOS and Android devices only. T&Cs apply.

You must pay at least the minimum payment every month. This could be:

• £5 every month or the full balance if less than £5
• An amount equal to any interest, default fees or account fees that have been added to your account since your last statement, plus 1% of the remaining statement balance.

Remember, if you only make your minimum repayment each month it’ll take you longer and cost you more to clear your balance. But we’ll never ask you to pay more than you can afford. If you want to talk about your finances, call us on 0800 008 008 and we’d be happy to help. We’re open 24 hours a day, seven days a week.

If you’ve made a late payment, gone over your limit or have a returned payment, you’ll be charged £12. You can avoid paying these fees by staying within your credit limit and making sure you schedule your monthly payments via Direct Debit.