Introduction

This is the Account Schedule for your Personal Current Account. This forms part of your Agreement with us regarding your Personal Current Account. Except where otherwise defined in this Account Schedule, terms defined in the General Part will have the same meaning in this Account Schedule.

Eligibility Requirements

What do I need to open a personal bank account?

• A smartphone (and signal).
• Valid photo ID such as a passport or driving licence.
• You live in an 'acceptable jurisdiction' Acceptable Jurisdictions. It will be easier to have documents
• confirming your current residential address. Examples could be a bank statement or a utility bill.
• Complete the application in about 10 minutes. Then, our team will approve your details and open your account.

Confirmation Statements

You confirm that:

• you are 16 years old or older;
• you are a resident of the United Kingdom;
• your Personal Current Account is for personal use only, and
• this is your only Personal Current Account with us.
• If any of the confirmations listed above become false, inaccurate or misleading, you must inform us immediately.

Individual Payment Transaction Limit

Payments from your Personal Current Account are subject to limits and restrictions we set from time to time, such as the maximum amounts you can send on (i) an individual payment basis and/or (ii) a daily or other periodic basis.

You can find out more about these limits and restrictions in the App and on the website. We may consider allowing you to make a payment transaction beyond any such limits or restrictions— please contact us to request this.

Further Information

If we ask you for further information (including tax information), you will provide us with this information as soon as possible. We will only ask for further information where it is necessary to be able to continue to operate your Personal Current Account or is reasonable to do so in the circumstances.