Internet Banking and Telebanking
Internet
Banking and
Telebanking
Terms and
Conditions
Internet Banking and Telebanking Terms and Conditions
Internet Banking and Telebanking Terms and Conditions
These terms and conditions govern the use of the Internet Banking and Telebanking services (the “Services”) offered by Nationwide UK (Ireland), a branch of
Nationwide Building Society, and form part of and are to be read together as one agreement with the other documents which form part of your contract with
us (as detailed in the Terms and Conditions provided in your Introduction Pack).
1 General conditions of use
The Service and these terms and conditions are governed by Irish law and any dispute or legal action shall be dealt with exclusively by the Irish courts. Please
note that the information available on the Website in connection with the Service may change from time to time. We shall have no liability if you are unable
to use the Service because of the failure of any machine, data processing system or transmission link or anything else beyond our, or our agents’ reasonable
control. We have taken reasonable steps to ensure that electronic mail and other transmissions passing over the Internet are not interfered with by third
parties. However, we cannot guarantee the privacy or confidentiality of any information passing over the Internet or that it will not be interfered with. The
content of these pages are the copyright of Nationwide Building Society. The copying or incorporation into any other work of part or all of this material
available on the Website in any form is prohibited except for printing or downloading extracts of the material available on the Website in connection with the
Service for your personal use.
2 Meaning of words and expressions
In these terms and conditions the following words and expressions have the following meanings:
“Account” means any account with us which is either in your own name or held jointly with somebody else;
“Customer Number” means the 10 digit number we will give you which lets you access and use the Service;
“Internet Banking” means using the Internet and the Website to access information in respect of your Account and to carry out certain transactions on
your Account;
“Memorable Data” means your personal data which you have disclosed to us for the purpose of checking your identity when you use or access the Service;
“Passnumber” means the 6 digit number we will give you to help us authenticate your identity before letting you access and use the Service;
“Registration Letter” means the letter we shall send to you once we have received, processed and accepted your application to use the Service;
“Secure Mail” means an exchange of information between you and us utilising the messaging service within our Service;
“Telebanking” means the telephone banking service provided by Nationwide UK (Ireland) which when set up allows you to request the transfer of funds to a
pre-designated account / payee;
“Telebanking Password” means the password you give to us when completing a Telebanking authorisation form to set up Telebanking on your Account;
“we” / “us” / “our” means Nationwide UK (Ireland), a branch of Nationwide Building Society;
“Website” means our website at www.nationwideuk.ie;
“You” / “Your” means a person or persons registered for the Service.
3 The Service
3.1 You may access the Service provided that the equipment you use meets our minimum compatibility requirements (in accordance with the criteria as set
out in our security information which can be found on our Website and which may be updated from time to time).
You must ensure that your equipment continues to meet these requirements, that it remains fully operational and that you take all reasonable measures
to keep it virus free.
3.2 You may use the Service 24 hours a day. If a request communicated to us via the Service is received after the following GMT times (or on a day we
are not usually open) the relevant transaction will not go ahead until the next working day (that is Monday to Friday, excluding Republic of Ireland
Bank Holidays).
In respect of a transaction from our savings accounts:
Euro Accounts
Sterling Accounts
Electronic Payments
1:00pm
2:00pm
Cheque
3:00pm
3:00pm
3.3 You may tell us at any time that you no longer want to use the Service by Secure Mail or in writing. If you tell us by telephone we may ask you to confirm
this in writing or by Secure Mail. We will continue to carry out any transactions you have already authorised unless you also ask us not to do so and
provided that it is not too late to amend or cancel those transactions.
3.4 Currency conversions cannot be transacted using the Internet Banking service.
3.5 Requests for electronic payments, cheque withdrawals and /or account type changes using Internet Banking can only be made on a single
currency basis.
3.6 To engage in currency conversion transactions with Nationwide UK (Ireland), you must have Telebanking set-up on your account(s).
4 Security Data
4.1 Once we have received, processed and accepted your application to use the Service, we will send you a Customer Number and a Passnumber for
Internet Banking. You must memorise your Passnumber immediately and destroy the notification promptly on receipt. For Telebanking your Password
will be the one you give to us when completing a Telebanking authorisation form to set up Telebanking on your Account.
4.2 Each time you use Internet Banking we will ask you to give us your Customer Number, three requested digits from your Passnumber and your
Memorable Data so that you can prove, and we can authenticate, your identity. When Telebanking has been set up in respect of your Account and
you request a transfer of funds, we will ask you to authorise that request by quoting three digits from your Telebanking Password and passing other
customer verification questions.
4.3 Once registered for the Service you agree always to keep your Memorable Data, Passnumber and Telebanking Password secret. You must not tell
anybody else your Memorable Data, Passnumber or Telebanking Password.
4.4 You agree to inform us as soon as you can if you know or suspect that somebody else knows your Memorable Data, Passnumber or Telebanking
Password. You must do this by sending us a Secure Mail or by telephoning 1800 800 180.
4.5 As soon as you inform us that you know, or suspect, that somebody else knows your Memorable Data, Passnumber or Telebanking Password we will
prevent transactions being carried out on your Account using the Service.
4.6 You will not be liable for a transaction carried out via the Service on any of your Accounts which was not carried out by you, or for the access to, or use
of, your Accounts via the Service by a third party except in the following cases:
• you have authorised the carrying out of the transaction in question or the access to or use of the Account or Website by a third party; or
• you have acted negligently, which shall be deemed to include failing to follow the safeguards set out in Conditions 4.1 and 4.3 above and/or failing
to comply with Condition 4.4 above; or
• you have acted fraudulently.
If you dispute that you have carried out any transaction via the service we will expect you to co-operate with us and the Garda Síochána in any related
investigation we undertake. You hereby agree that we may disclose to the Garda Síochána any information we consider relevant, to enable them to carry
out such investigations.
If we have to take action against another party as a result of a transaction on your account, you must assist us and provide all available information to
enable us to pursue this action.
4.7 If we believe or suspect fraudulent or suspicious transactions are being carried out on your account we reserve the right to suspend access to all or part
of our Service.
5 Acting On Your Instructions
5.1 We will carry out transactions on your Account in accordance with and following instructions given to us by you, or which reasonably appear to us
in good faith to have been given by you through the Service. We shall be entitled to assume that instructions have been given by you if the correct
Memorable Data, the correct Customer Number, the correct Passnumber or the correct Telebanking Password (as appropriate) are quoted to us in
accordance with the procedures set out in these terms and conditions.
5.2 We reserve the right to refuse to act on instructions received from you if they are not provided:
a. in accordance with these conditions or the other terms and conditions applying to your account;
b. in accordance with instructions that we issue regarding these services from time to time;
c. if the message conveyed is unclear; or if a fraud or a security issue is reasonably suspected.
Where we have refused to carry out your transactions that occurred within the EEA, we will notify you within three working days. We will not notify you
if we believe that doing so would compromise security or would otherwise be unlawful. Information about the refusal and, if possible, our reasons for the
refusal along with information on how to correct any factual errors that led to the refusal can be obtained by calling us.
5.3 If we decided not to carry out a transaction in accordance with Condition 5.2, we will not be responsible for any loss or damage you may suffer because
of that decisions.
5.4 If, due to circumstances beyond our reasonable control, or the reasonable control of those acting on our behalf, we are unable to carry out a transaction
using the Service, we will not be responsible for any loss or damage which you may suffer as a result. In particular, we will not be responsible for any loss
or damage which you may suffer as a result of a PC, browser or other equipment necessary for use of the Service being faulty or out of order.
6 Joint Accounts
6.1 If you have a joint Account, then any one of you may use the Service, but you must use your own individual Customer Number, Passnumber and/or
Memorable Data (as appropriate). However, the Telebanking Password is applied to your Account(s) and is therefore shared by all relevant holders of a
joint Account. To be able to use Telebanking each account holder in respect of a joint Account must be permitted to authorise transactions on his or her
own. Telebanking is not available on any joint Account where two or more holders of that Account are required to authorise transactions jointly.
6.2 As a joint Account holder these terms and conditions apply to you both individually and jointly with the other Account holder(s).
6.3 In respect of any joint Account, as soon as one of you instructs us that another joint Account holder is no longer allowed to authorise transactions, or if
we think transactions should be jointly authorised by all of you, we reserve the right to immediately suspend the Service in respect of that Account.
7General
7.1 We may vary the terms and conditions applicable to your use of the Service from time to time, and will give you notice of any such changes either in
writing, by advertisement, by Secure Mail or by way of a notice within the Service. We will attempt to give you reasonable notice before any change
to such terms and conditions takes effect, unless it is not reasonably practical or possible to do so, in which case we will give you notice of any such
changes as soon as is possible after they take effect.
7.2 We reserve the right to introduce a charge for using the Service, but will give you reasonable notice should we decide to do so.
7.3 We have taken reasonable steps to ensure that e-mail and other transmissions passing over the Internet remain confidential and are not interfered with.
However, we cannot completely guarantee the privacy or confidentiality of any information passing over the Internet or that it will not be interfered with.
You accept the security implications of disclosing your information online, over the Internet and via Telebanking and will not hold us responsible for any
breach of security, and by using Internet Banking and Telebanking you agree to give us instructions on this basis.
7.4 Call charges may apply from certain telephone networks and calls may be monitored and recorded for training and security purposes.
7.5 These terms and conditions are governed by, and construed in accordance with, Irish law.
Write to us at Nationwide UK (Ireland), PO Box 11552, 3 Spencer Dock, North Wall Quay, Dublin 1
Nationwide Building Society, trading as Nationwide UK (Ireland), is authorised by the Prudential Regulation
Authority in the United Kingdom and is regulated by the Central Bank of Ireland for conduct of business rules.
Nationwide Building Society, Head Office, Nationwide House, Pipers Way, Swindon, SN38 1NW, UK.
P613 (November 2013)