Clause No

Clause Heading

Amendment(s)

n/a

Definitions & Interpretation

Definitions of Account, Base Rate, KYC, Privacy Notice

1

General

KYC requirements

2

Unarranged Overdrafts

Unarranged overdrawn balances

3

Account Management

Death of Account Holder, Joint account disputes, Statement recipients, Access of information

4.2 & 4.3

Debit Interest & Credit Interest

Overdrawn amount charges, Frequency of interest charges, Credit Balance interest, Notification periods, Fixed Deposit maturity notification, renewals and rate of interest, Notice Accounts interest, interest accrual calculation period

5

Bank Charges

Tariff availability, tariff amendments, notice periods

6

Statements

Statement frequency

10

Communication

Languages used

11

Set–off of balances

Right of set-off, Set-off money for jointly owed liabilities, different currencies, notice periods

12

Inactive Accounts

Inactive Account definition, charges and interest

13

Data Protection and Tax Reporting

Consent, Privacy Notice, Sharing information for Tax Reporting, Consequences of not receiving requested information, notification period

14

Paying Cheques into your Account

Cheque currency, interest and fund availability, cheque images, country of origin

15

Clearing Cheques

Chequebooks, fund availability

18

Payments made into your Account by mistake or Fraud

Return funds’ periods, sharing of personal information, fraud, payment reversals

19.3

Refusal of Payment Instructions

Reasons for not following a payment instruction, internal controls

21

Specific conditions applicable to the Payment Services

Monthly advices for outward payments no longer sent

27

Ending the agreement

Inability to comply with KYC requirements

28

Right to cancel an Account or a service

Cancelling Notice Accounts, Clarification on early termination of Fixed Deposit Accounts

29

Exceptional Circumstances

Definition of Exceptional Circumstances

31

Complaints

Financial Ombudsman Service contact details

32

Notices

Ways to give Notices

33

How Alpha Bank London is regulated

Financial Conduct Authority address

34

Amendments to the Terms

Notice Period

35

Assignment

Assignment of rights

36

Law applying to these Terms

Jurisdictions

n/a

Payment Instruction Information

Updated Table