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onecard
Change the way
you pay
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Contents
3Transforming your day-to-day
business expenses
4Your onecard administrator
5 onecard for all payments
5 Acceptance and cash withdrawals
6 Protecting your business
8 onecard benefits
9 Travel insurance and assistance
10 Monthly statements and repayment
10 Cards OnLine
11 Lost and stolen
12Useful numbers and contact details
for your onecard
13 Your information
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onecard
Transforming
your day-to-day
business expenses
Welcome to your new onecard
from NatWest, which has been
chosen by your business as the
preferred way to pay for goods
and services. The card is designed
to be used for all your day-to-day
business expenses and purchasing
needs, making payments simpler,
more secure and more convenient.
As soon as you’ve signed your
onecard, take a minute to check
out the information in this guide
and discover how it will transform
the way you pay.
For details of how we will use your information,
please refer to the Your Information section at
the back of this guide.
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Your onecard administrator
one
Your card administrator is the person who has been
appointed by your business to co-ordinate the
day-to-day running of the onecard programme.
As such, he or she is the person to ask if you have
onecard
any questions about your card.
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Please contact them if you:
change your name
need to change your credit limit
change jobs within your company or leave
change your address details, or
if you haven’t received a new card before your
current one expires.
You should also contact them if you wish to obtain
an electronic copy of this guide.
Y
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Payment declined
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From time to time your onecard may be declined.
There are various reasons why this might happen.
Your card has a credit limit and it is also possible
that an individual transaction limit may have been
set for you. Therefore, please contact your card
administrator or call the onecard helpline on
0370 01 01 152 (if your administrator is unavailable),
if your card is not accepted as it could be because
you have simply exceeded these in-built limits or your
business does not permit you to use your card for
certain types of purchases.
*
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If you are the appointed administrator please refer
to your card administrator pack, or contact us on
0370 01 01 152.
*Calls may be recorded. Call charges from residential lines, business lines
and mobiles vary and depend on your telephone operator’s tariffs.
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onecard for all payments
onecard
We’re all familiar with how to use a card to pay for things
on the phone, in person and online. Well onecard is
exactly the same except it’s for your day-to-day business
expenditure. That means everything from purchasing
business equipment and office supplies to travel and
entertainment – use onecard to foot the bill. And because
all you need is, quite literally, one card, it’s all logged
centrally making it easy for you, or anyone else, to keep
track of the transactions.
Acceptance and cash withdrawals
You can use your onecard at millions of outlets worldwide
– wherever you see the MasterCard symbol.
Need cash? Simple. You can withdraw cash from
ATMs and over bank counters in thousands of locations
in the UK and worldwide*.
*ATM withdrawals subject to daily limit. Please refer to your Terms for the fees
that will apply.
onecard
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Protecting your business
Your PIN
When paying in person in the UK you will be required
to use your PIN. Please keep your PIN safe.
Using your card securely
Never hand over your bank card or account
information
Be wary of unexpected or suspicious telephone calls,
emails or SMS requesting personal account or card
information. Remember, the Bank or Police will NEVER
call and ask you to disclose your card or PIN details. We
will also NEVER arrange to collect your card and PIN via a
courier, as a result of a fraud investigation.
Keep your cards and card details in a safe place
Always keep your bank and credit card statements in a
safe place and shred any paperwork relating to your cards
when it’s no longer required.
Never record your PIN or password in a way that might be
recognised by someone else and do not disclose your PIN
or password to anyone.
Protect your Card and PIN
Always keep your card in sight, particularly when making
purchases in crowded areas. Remain vigilant and do not
allow yourself to get distracted when using your card and PIN
at an ATM or when making a purchase in a shop. Remember,
“Always Shield your PIN” and take your card promptly.
onecard
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Reconcile your statements
Regularly check your paper statements or use our online
banking services to monitor your account activity. If you
notice an unknown or suspicious transaction, please
contact us immediately.
Report lost and stolen cards immediately
If your card is Lost or Stolen, including where it is captured
at an ATM, please report this to us immediately, to
prevent any fraudulent card use.
Ensure that you only enter your card details on
secure websites
Secure websites are identified by a padlock or key symbol
and a site address that changes from ‘http’ to ‘https’.
NatWest Secure
If you register with NatWest Secure, our own enhanced
security system, it makes online purchasing even safer.
Just visit commercial.natwestsecure.com to register
and set up your secure password.
Security code
For transactions over the phone, via mail order or the
internet, you may be asked for your security code.
It’s the last three digits printed on the strip on the back
of your onecard.
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More onecard benefits
Apart from the convenience there are loads of extra
benefits that come with your onecard.
Priority Pass is one of the world’s largest independent
airport lounge programme. With your onecard you’re
entitled to a discounted membership fee with Priority Pass
which normally costs £69 per year. onecard holders pay
only £29.50 per year for the first year and £49.50 per year
there after. This enables you to access over 600 airport
lounges worldwide, regardless of which airline you fly with,
or your ticket type. Each lounge visit is currently charged at
£15 per person. For more information on Priority Pass and
a membership form, call the onecard Helpline (Mon-Fri,
8am-6pm; Sat, 9am-1pm) on 0370 0101 152 (if in the UK),
+44 1268 508 019 (if abroad) or customers with hearing
and speech impairments can contact us by Minicom number
0370 152 1192.
BCP Airport Parking gives you a 15% discount
when pre-booking a space at over 20 UK airport
car parks operated by BCP using your onecard.
The discount also applies when you choose their time
saving ‘meet and greet’ service that allows you to drive
straight to the airport terminal. To obtain your discount,
call 0871 360 1530 and quote WC29H or book
online at parkbcp.co.uk/natwestonecard
Business Offers – savings with discounts from a number
of leading suppliers accessible online from your
smartphone, tablet or desktop. For more details visit
businessoffers.natwest.com
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Offers may be updated periodically and may be subject
to change.
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Travel insurance and assistance
You are automatically covered by our Travel Accident
Insurance when you use your onecard to pay for travel
and accommodation on business trips of up to 90 days
in duration. It includes up to £25,000 (increasing to
£100,000 whilst travelling on licensed public transport or
in a hire car) travel accident cover.
Get more with Gold
If you hold a Gold Card you will benefit from an enhanced
insurance package that includes a Travel Assistance
Service and Worldwide Travel Insurance for you and
up to 3 colleagues on any business trip of up to 90
days outside the UK which has been paid for using your
onecard. The card also comes with up to £100,000
(increasing to £250,000 whilst travelling on licensed
public transport) travel accident cover, as well as:
edical expenses of up to £2,000,000
M
Up to £750 hospital benefit
Personal liability cover up to £1,000,000
Up to £3,000 if a trip has to be cancelled,
curtailed or altered
Personal belongings cover of up to £1,200 and
onecard
money up to £500
Travel delay cover of up to £300
ACE Travel Assistance Helpline – for multi-lingual
assistance with travel before and during your journey.
Call 020 8763 4850 or +44 20 8763 4850 when
calling from abroad (24 hours).
For full details please refer to your administrator
for a copy of ‘Your Insurance Policy’.
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Monthly statements and repayment
Each month, you or your card administrator will
receive a NatWest onecard statement detailing your
expenditure for the previous month. This can be used
to reconcile the transactions that appear on the
statement with invoices and receipts you have
received during the month.
If you wish to cancel any subscriptions or regular payments
setup using your onecard, please call us on 0370 010 1152.
We would recommend that you also notify the merchant of
the cancellation, or if required, to provide the merchant with
alternative payment information.
If your company has selected central billing, the
statement will be sent directly to your administrator
for central payment of the outstanding balance.
If you have individual billing, the statement will be
sent to you (please note that individual billing is not
available on all card programmes).
Cards OnLine
Our Cards OnLine service lets you view your card
information from your own PC. Everything from card limits
and recent transactions to your last 13 statements. Speak
to your administrator about access. To register please visit
natwest.com/cardsonline
onecard
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Lost and stolen
Lost your card? Please call the NatWest Lost and
Stolen Cards Helpline on 0370 6000 459 (24 hours
a day, 7 days a week). If calling from abroad the
number is +44 1268 500 813. Minicom users please
call 0370 154 1192. Calls may be recorded. Call charges
from residential lines, business lines and mobiles vary and
depend on your telephone operator’s tariffs.
If you need a replacement card while overseas,
we will put you in touch with the MasterCard Helpline
for the country you are visiting by calling
0800 964 767 (in the UK). If you would prefer,
you can obtain the overseas number prior to travel
by visiting mastercard.com (select UK – Personal Cards
– Cardholder Services – MasterCard Global Service for
details of offices in other countries).
The MasterCard Global Service Centre can provide
a temporary, emergency, replacement card in
1 to 3 business days. Terms and Conditions apply.
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Useful numbers and contact
details for your onecard
onecard Helpline
and address
(Mon-Fri, 8am-6pm; Sat, 9am-1pm)
0370 0101 152,
+44 1268 508 019 (overseas)
Minicom 0370 154 1192.
National Westminster Bank Plc
Commercial Cards Division
Cards Customer Services
PO Box 5747
Southend-on-Sea SS1 9AJ
Your dedicated onecard helpline and
customer services address.
onecard Lost or Stolen
0370 6000 459 (24 hrs)
+44 1268 500 813 (overseas)
Minicom 0370 154 1192.
In case you need to report your onecard
lost or stolen. Please note where regular
payments/subscriptions are set up,
the retailer should be notified.
Fraud Enquiries
MasterCard Global
Service Centre
0800 964 767 (UK only)
MasterCard Global Service Centres
offer 24 hour assistance for emergency
replacement cards whilst overseas.
For details of overseas offices visit
mastercard.com and select the
following options
2.
You
you
3.
3.1
Cards OnLine website
3.2
natwest.com/cardsonline to register
and log into Cards OnLine.
Priority Pass
0370 0101 152 or
+44 1268 508 019 (overseas)
Minicom 0370 154 1192.
For assistance should you encounter
a security check.
BCP Airport Parking
For assistance with Gold cardholder
business travel before and during
their journey.
We
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Terms and Conditions apply.
For more information and a
membership form.
020 8763 4850 or +44 20 8763 4850
(overseas – 24 hrs)
1.
– UK
– Personal Cards
– Cardholder Services
– MasterCard Global service.
0345 300 4350 or
+44 1268 508 020 (overseas – 24 hrs)
ACE Travel Assistance
(Gold cardholders only)
Yo
0871 360 1530
www.parkbcp.co.uk/natwestonecard
Quote: WC29H
(Mon-Fri, 8am-11pm;
Sat-Sun, 8am-7pm except Christmas).
To book and for more information.
onecard Travel
Insurance Claims
0845 841 0058
(Mon-Fri, 9am-5pm) or
+44 (0)141 285 2999
(overseas – 24 hrs)
If you need to make a travel insurance
claim on your onecard.
Calls may be recorded.
Call charges from residential lines, business lines and mobiles vary and depend
on your telephone operator’s tariffs.
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Your information
1. Who we are
We are a member of The Royal Bank of Scotland Group (“RBS”). For more information
about other RBS companies please visit rbs.com and click on ‘About Us’, or contact your
branch or Relationship Manager.
2. The information we hold about you
Your information is made up of all the financial and personal information we hold about
you and your transactions. It includes:
(a) information you give to us;
(b)information that we receive from third parties (including other RBS companies,
third parties who provide services to you or us and credit reference or fraud
prevention agencies);
(c)information that we learn about you through our relationship with you and the
way youoperate your accounts and/or services; and
(d)information that we gather from the technology which you use to access our
services (for example location data from your mobile phone, or an Internet
Protocol (IP) address or telephone number).
3. Accessing your information
3.1If you would like a copy of the information we hold about you, please write to:
National Westminster Bank Plc, Commercial Cards Division, Cards Customer
Services, PO Box 5747, Southend-on-Sea SS1 9AJ. A fee of £10 is payable.
3.2If you believe that any of the information that we hold about you is inaccurate, or if
you have any queries about how we use your information which are not answered
here, please contact us on 0370 010 1152.
4. Changes to the way we use your information
From time to time we may change the way we use your information. Where we believe
you may not reasonably expect such a change we will notify you and will allow a period
of 60 days for you to raise any objections before the change is made. However, please
note that in some cases, if you do not agree to such changes it may not be possible for us
to continue to operate your account and/or provide certain products and services to you.
5.How we use and share your information with other
RBS companies
We may use and share your information with other RBS companies. This information is
used by us and them to:
(a) assess and process applications, provide you with products and services and
manage our (or their) relationship with you;
(b) understand our customers’ preferences, expectations and financial history in
order to improve the products and services we offer them;
(c) carry out financial (including credit) and insurance risk assessments and for risk
reporting and risk management;
(d) develop, test, monitor and review the performance of products, services,
internal systems and security arrangements offered by RBS companies;
(e) assess the quality of our service to customers and to provide staff training;
(f)improve the relevance of offers of products and services by RBS companies to
our customers;
(g) recover debt;
(h) confirm your identity; and
(i) prevent and detect crime, including fraud and money laundering.
6. Sharing with third parties
6.1 We will not share your information with anyone outside RBS except:
(a) where we have your permission;
(b)where we are required by law and/or by law enforcement agencies,
government entities, tax authorities or regulatory bodies around the world;
(c)to third party service providers, agents and sub-contractors acting on our
behalf, such as the companies which print our account statements;
(d) to debt collection agencies;
(e) to credit reference and fraud prevention agencies;
(f)to other companies that provide you with benefits or services (such as
insurance cover) associated with your product or service;
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(g)where required for a sale, reorganisation, transfer or other transaction relating
to our business;
(h)in anonymised form as part of statistics or other aggregated data shared with
third parties; or
(i)where permitted by law, it is necessary for our legitimate interests or those of a
third party, and it is not inconsistent with the purposes listed above.
6.2 We will not share your information with third parties for marketing purposes.
7. Transferring information overseas
We may transfer your information to organisations in other countries (including to other
RBS companies) on the basis that anyone to whom we pass it protects it in the same way
we would and in accordance with applicable laws.
8. Marketing information
If you have permitted us to do so, then we will send you relevant marketing information
(including details of other products or services provided by us or other RBS companies
which we believe may be of interest to you), by mail, phone, email, text and other forms
of electronic communication. If you change your mind about how you would like us to
contact you or you no longer wish to receive this information, you can tell us at any time
by contacting us on 0370 010 1152.
9. Communications about your account
9.1We will contact you with information relevant to the operation and maintenance of
your account by a variety of means including via online banking, mobile banking,
email, text message, post and/or telephone. If at any point in the future you change
your contact details you should tell us promptly about those changes.
9.2We may monitor or record calls, emails, text messages or other communications in
accordance with applicable laws for the purposes outlined in 5 overleaf.
10.Credit reference and fraud prevention agencies
10.1We may access and use information from credit reference agencies when you open
your account and periodically to:
(a)
(b)
(c)
(d)
manage and take decisions about your accounts;
prevent fraud and money laundering;
check your identity; and
trace debtors and recover debts.
10.2 W
e may share information with credit reference agencies about how you manage
your account including your account balance, credit limit and any arrears or default
in making payments. This information will be made available to other organisations
(including fraud prevention agencies and other financial institutions) so that they
can take decisions about you, your associates and members of your household.
10.3 If false or inaccurate information is provided and/or fraud is identified or suspected,
details will be passed to fraud prevention agencies. Law enforcement agencies may
access and use this information.
10.4 W
e and other organisations may access and share fraud prevention agency
information about you to prevent fraud and money laundering, for example,
when checking:
(a) applications and managing credit or other facilities and recovering debt;
(b) insurance proposals and claims; or
(c) details of job applicants and employees.
We and other organisations may access and use this information from other countries.
10.5 If you would like a copy of your information held by the credit reference and fraud
prevention agencies we use, please call 0370 010 1152 where you can obtain their
contact details. The agencies may charge a fee.
11.How long we keep your information
We will keep your information for as long as it is required by us or other RBS companies
(even if you close your account) in order to comply with legal and regulatory
requirements, or for other operational reasons, such as dealing with any queries relating
to your account.
12.Security
We are committed to ensuring that your information is secure with us and with the third
parties who act on our behalf. For more information about the steps we are taking to
protect your information please visit natwest.com/global/security.ashx
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National Westminster Bank Plc.
Registered No. 929027 England and Wales.
Registered Office: 135 Bishopsgate, London EC2M 3UR.
Authorised by the Prudential Regulation Authority and regulated by
the Financial Conduct Authority and the Prudential Regulation Authority.
No. 121878.
NWO/CG/1014
90478660
01/09/2014