Your NatWest Visa Debit Card

4
Debit card charges and Foreign transactions
Debit card charges
Transaction type
Charges
Sterling cash
withdrawals from any UK
cash machine (ATM)
Sterling cash withdrawals
from any NatWest
branch in the UK, the
Channel Islands, Isle of
Man or Gibraltar
Sterling cash withdrawals
in the UK in any bank,
travel agent, bureau de
change or other outlet
displaying the Visa logo
No charge*
If your Visa Debit card is lost or stolen...
Call us immediately on: 0870 600 0459
(Minicom 0845 900 5961).
You can access up to £300 from your account from one
of our ATMs if you are an Online/Telephone Banking
customer. If you aren’t, we’ll still give you up to £60 to
tide you over – these amounts are providing you have
the money in your account.
As a minimum you must have £20 in your account to use
this service.
Your NatWest
Visa Debit
Card
Use your Visa Debit card wherever you see the Visa logo.
Purchase of foreign
currency or travellers
cheques in the UK**
Foreign currency
withdrawal from any
cash machine (ATM)
in the UK
Cash withdrawals or the
purchase of currency
or travellers cheques
outside the UK
Purchases made outside
the UK (for example,
purchasing goods in
a shop)
Purchases made
anywhere in a foreign
currency (for example,
online/telephone
purchases made in or
outside the UK)
We will charge a Foreign Cash Fee of 2%
of the value of the transaction (minimum £2,
maximum £5). We will also charge a
Non-Sterling Transaction Fee of 2.75% of
the value of the transaction.
If you elect for the transaction to be converted
into Sterling at the point of sale or withdrawal,
we will not charge a Non-Sterling Transaction
Fee, however the transaction handler may
charge you a separate fee.
We will charge a Foreign Purchase Fee
of 2.75% of the value of the transaction
(minimum £1).
Visa Payment Scheme Exchange Rate
Any transaction made in a foreign currency using
your debit card or ATM card is converted by us into
Sterling using the Visa Payment Scheme Exchange
Rate. To see the up-to-date rates used for debit
cards and ATM cards visit www.visaeurope.com
and click on the Cardholders section.
Where a charge in the table above is stated as a percentage, this is a percentage of the
sterling transaction amount.
*We will not charge you for using your card at an ATM in the UK but other companies may
charge a fee. You will be advised on screen about any charges before you withdraw cash.
**Standard commission rates apply.
90298756.indd 1
For more informationy
Talk to us in branch
natwest.com/visadebit
08457 888 444
Customers with hearing and speech
impairments can contact us by
Minicom number 0845 900 5961
Calls may be recorded.
National Westminster Bank Plc. Registered Office:
135 Bishopsgate, London EC2M 3UR.
Registered Number: 929027, England and Wales. DNW UG X2X 06/13
16/05/2013 13:48
1
2
3
You can start using your new card
immediately. However, for security reasons
some card users may need to activate their
card before they start using it.
How your card works
Purchase Protection
Welcome to your
NatWest Visa
Debit Card
If this is a replacement card, please destroy
your existing card securely by cutting
through the magnetic strip.
Features of your Visa Debit card
Your Visa Debit card is a convenient way to access the
funds in your account when and where you need them.
Whether you’re popping down to the shops or travelling
abroad – getting access to your cash is easy.
You can use your card to:
Pay for goods and services
Access cash machines
Obtain Cashback
Access services such as account information and
mini-statements via branch or cash machines
Your card helps you budget by ensuring every
transaction is checked with the bank before it
is agreed.
Please note, this means your card cannot be used at
merchants who are unable to connect to the bank’s
systems for these checks. Most merchants can, but
examples of those who cannot include unattended petrol
pumps and some readers on trains, ships or planes.
This also means your card is not compatible with the
technology needed to make contactless payments.
Using your card abroad
Your Visa Debit card is accepted at over 29 million
retail outlets and 1 million cash machines all over
the world.
Please note, a charge may apply to use your card abroad
– please see page 4 for details.
If you pay for goods or services with your Visa Debit
card and they fail to arrive; or are damaged when
you receive them, we could help you get your
money back.
This may include companies that have gone into
administration before you have received the goods
or services.
If you are unable to agree resolution with the retailer
then contact your branch for help.
Safety and Security
Criminals continually look for new ways to obtain
your card or card details including your PIN.
Whether banking online or entering your PIN in a
public place, you should always be vigilant.
We operate a fraud checking service and, if we think
someone is trying to use your card fraudulently, we
may contact you by phone or SMS or ask the retailer
to contact us, to confirm that you are making
the purchase.
We will never ask you for sensitive information such
as your PIN or the 3 digit number on the reverse of
your card.
90298756.indd 2
16/05/2013 13:48
1
2
3
You can start using your new card
immediately. However, for security reasons
some card users may need to activate their
card before they start using it.
How your card works
Purchase Protection
Welcome to your
NatWest Visa
Debit Card
If this is a replacement card, please destroy
your existing card securely by cutting
through the magnetic strip.
Features of your Visa Debit card
Your Visa Debit card is a convenient way to access the
funds in your account when and where you need them.
Whether you’re popping down to the shops or travelling
abroad – getting access to your cash is easy.
You can use your card to:
Pay for goods and services
Access cash machines
Obtain Cashback
Access services such as account information and
mini-statements via branch or cash machines
Your card helps you budget by ensuring every
transaction is checked with the bank before it
is agreed.
Please note, this means your card cannot be used at
merchants who are unable to connect to the bank’s
systems for these checks. Most merchants can, but
examples of those who cannot include unattended petrol
pumps and some readers on trains, ships or planes.
This also means your card is not compatible with the
technology needed to make contactless payments.
Using your card abroad
Your Visa Debit card is accepted at over 29 million
retail outlets and 1 million cash machines all over
the world.
Please note, a charge may apply to use your card abroad
– please see page 4 for details.
If you pay for goods or services with your Visa Debit
card and they fail to arrive; or are damaged when
you receive them, we could help you get your
money back.
This may include companies that have gone into
administration before you have received the goods
or services.
If you are unable to agree resolution with the retailer
then contact your branch for help.
Safety and Security
Criminals continually look for new ways to obtain
your card or card details including your PIN.
Whether banking online or entering your PIN in a
public place, you should always be vigilant.
We operate a fraud checking service and, if we think
someone is trying to use your card fraudulently, we
may contact you by phone or SMS or ask the retailer
to contact us, to confirm that you are making
the purchase.
We will never ask you for sensitive information such
as your PIN or the 3 digit number on the reverse of
your card.
90298756.indd 2
16/05/2013 13:48
1
2
3
You can start using your new card
immediately. However, for security reasons
some card users may need to activate their
card before they start using it.
How your card works
Purchase Protection
Welcome to your
NatWest Visa
Debit Card
If this is a replacement card, please destroy
your existing card securely by cutting
through the magnetic strip.
Features of your Visa Debit card
Your Visa Debit card is a convenient way to access the
funds in your account when and where you need them.
Whether you’re popping down to the shops or travelling
abroad – getting access to your cash is easy.
You can use your card to:
Pay for goods and services
Access cash machines
Obtain Cashback
Access services such as account information and
mini-statements via branch or cash machines
Your card helps you budget by ensuring every
transaction is checked with the bank before it
is agreed.
Please note, this means your card cannot be used at
merchants who are unable to connect to the bank’s
systems for these checks. Most merchants can, but
examples of those who cannot include unattended petrol
pumps and some readers on trains, ships or planes.
This also means your card is not compatible with the
technology needed to make contactless payments.
Using your card abroad
Your Visa Debit card is accepted at over 29 million
retail outlets and 1 million cash machines all over
the world.
Please note, a charge may apply to use your card abroad
– please see page 4 for details.
If you pay for goods or services with your Visa Debit
card and they fail to arrive; or are damaged when
you receive them, we could help you get your
money back.
This may include companies that have gone into
administration before you have received the goods
or services.
If you are unable to agree resolution with the retailer
then contact your branch for help.
Safety and Security
Criminals continually look for new ways to obtain
your card or card details including your PIN.
Whether banking online or entering your PIN in a
public place, you should always be vigilant.
We operate a fraud checking service and, if we think
someone is trying to use your card fraudulently, we
may contact you by phone or SMS or ask the retailer
to contact us, to confirm that you are making
the purchase.
We will never ask you for sensitive information such
as your PIN or the 3 digit number on the reverse of
your card.
90298756.indd 2
16/05/2013 13:48
4
Debit card charges and Foreign transactions
Debit card charges
Transaction type
Charges
Sterling cash
withdrawals from any UK
cash machine (ATM)
Sterling cash withdrawals
from any NatWest
branch in the UK, the
Channel Islands, Isle of
Man or Gibraltar
Sterling cash withdrawals
in the UK in any bank,
travel agent, bureau de
change or other outlet
displaying the Visa logo
No charge*
If your Visa Debit card is lost or stolen...
Call us immediately on: 0870 600 0459
(Minicom 0845 900 5961).
You can access up to £300 from your account from one
of our ATMs if you are an Online/Telephone Banking
customer. If you aren’t, we’ll still give you up to £60 to
tide you over – these amounts are providing you have
the money in your account.
As a minimum you must have £20 in your account to use
this service.
Your NatWest
Visa Debit
Card
Use your Visa Debit card wherever you see the Visa logo.
Purchase of foreign
currency or travellers
cheques in the UK**
Foreign currency
withdrawal from any
cash machine (ATM)
in the UK
Cash withdrawals or the
purchase of currency
or travellers cheques
outside the UK
Purchases made outside
the UK (for example,
purchasing goods in
a shop)
Purchases made
anywhere in a foreign
currency (for example,
online/telephone
purchases made in or
outside the UK)
We will charge a Foreign Cash Fee of 2%
of the value of the transaction (minimum £2,
maximum £5). We will also charge a
Non-Sterling Transaction Fee of 2.75% of
the value of the transaction.
If you elect for the transaction to be converted
into Sterling at the point of sale or withdrawal,
we will not charge a Non-Sterling Transaction
Fee, however the transaction handler may
charge you a separate fee.
We will charge a Foreign Purchase Fee
of 2.75% of the value of the transaction
(minimum £1).
Visa Payment Scheme Exchange Rate
Any transaction made in a foreign currency using
your debit card or ATM card is converted by us into
Sterling using the Visa Payment Scheme Exchange
Rate. To see the up-to-date rates used for debit
cards and ATM cards visit www.visaeurope.com
and click on the Cardholders section.
Where a charge in the table above is stated as a percentage, this is a percentage of the
sterling transaction amount.
*We will not charge you for using your card at an ATM in the UK but other companies may
charge a fee. You will be advised on screen about any charges before you withdraw cash.
**Standard commission rates apply.
90298756.indd 1
For more informationy
Talk to us in branch
natwest.com/visadebit
08457 888 444
Customers with hearing and speech
impairments can contact us by
Minicom number 0845 900 5961
Calls may be recorded.
National Westminster Bank Plc. Registered Office:
135 Bishopsgate, London EC2M 3UR.
Registered Number: 929027, England and Wales. DNW UG X2X 06/13
16/05/2013 13:48
4
Debit card charges and Foreign transactions
Debit card charges
Transaction type
Charges
Sterling cash
withdrawals from any UK
cash machine (ATM)
Sterling cash withdrawals
from any NatWest
branch in the UK, the
Channel Islands, Isle of
Man or Gibraltar
Sterling cash withdrawals
in the UK in any bank,
travel agent, bureau de
change or other outlet
displaying the Visa logo
No charge*
If your Visa Debit card is lost or stolen...
Call us immediately on: 0870 600 0459
(Minicom 0845 900 5961).
You can access up to £300 from your account from one
of our ATMs if you are an Online/Telephone Banking
customer. If you aren’t, we’ll still give you up to £60 to
tide you over – these amounts are providing you have
the money in your account.
As a minimum you must have £20 in your account to use
this service.
Your NatWest
Visa Debit
Card
Use your Visa Debit card wherever you see the Visa logo.
Purchase of foreign
currency or travellers
cheques in the UK**
Foreign currency
withdrawal from any
cash machine (ATM)
in the UK
Cash withdrawals or the
purchase of currency
or travellers cheques
outside the UK
Purchases made outside
the UK (for example,
purchasing goods in
a shop)
Purchases made
anywhere in a foreign
currency (for example,
online/telephone
purchases made in or
outside the UK)
We will charge a Foreign Cash Fee of 2%
of the value of the transaction (minimum £2,
maximum £5). We will also charge a
Non-Sterling Transaction Fee of 2.75% of
the value of the transaction.
If you elect for the transaction to be converted
into Sterling at the point of sale or withdrawal,
we will not charge a Non-Sterling Transaction
Fee, however the transaction handler may
charge you a separate fee.
We will charge a Foreign Purchase Fee
of 2.75% of the value of the transaction
(minimum £1).
Visa Payment Scheme Exchange Rate
Any transaction made in a foreign currency using
your debit card or ATM card is converted by us into
Sterling using the Visa Payment Scheme Exchange
Rate. To see the up-to-date rates used for debit
cards and ATM cards visit www.visaeurope.com
and click on the Cardholders section.
Where a charge in the table above is stated as a percentage, this is a percentage of the
sterling transaction amount.
*We will not charge you for using your card at an ATM in the UK but other companies may
charge a fee. You will be advised on screen about any charges before you withdraw cash.
**Standard commission rates apply.
90298756.indd 1
For more informationy
Talk to us in branch
natwest.com/visadebit
08457 888 444
Customers with hearing and speech
impairments can contact us by
Minicom number 0845 900 5961
Calls may be recorded.
National Westminster Bank Plc. Registered Office:
135 Bishopsgate, London EC2M 3UR.
Registered Number: 929027, England and Wales. DNW UG X2X 06/13
16/05/2013 13:48

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