Privilege and Privilege Premier current accounts - How to enjoy the benefits 210mm - The Co-operative ...
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210mm
Privilege and Privilege Premier
current accounts
How to enjoy the benefits
525725_CBG_MKT10788.indd 1 08/05/2018 16:32
2 How your benefits stack up
How your benefits stack up
With our Privilege and Privilege Premier current accounts, N
you can make life and your banking a lot easier all round. O
a
Here’s a taster of the benefits available.
C
E
•
S
The Privilege current account – a taster Privilege Premier current account – more on top
• Worldwide travel insurance. With a Privilege Premier current account, you also enjoy some extra benefits
• Mobile phone insurance. on top of what you get with our Privilege current account.
• An automatic £200 overdraft. The first £200 is interest-free. An arranged • UK and European breakdown cover (if it is a joint account, both
overdraft above £200 is charged at 15.9% EAR and an unarranged customers are covered).
overdraft is charged at 18.9% EAR. Subject to status. The monthly cap on • A higher automatic £300 overdraft rate. The first £300 overdraft is
unarranged overdraft charges for your Privilege current account is £60. interest‑free. An arranged overdraft above £300 is charged at 15.9%
Further details can be found on Page 7. EAR* and an unarranged overdraft is charged at 18.9% EAR. Subject
• Privilege Savings account for the life of your Privilege current account. to status. The monthly cap on unarranged overdraft charges for your F
• Choice of one additional tailored benefit (see pages 11 and 12). Privilege Premier current account is £60. Further details can be found
on Page 10.
Representative example • Privilege Premier Savings account for the life of your Privilege Premier
The advance of credit of £1200 current account.
at an interest rate of 15.9% EAR* variable Get more information on these extra savings see page 10.
*EAR stands for Equivalent Annual Rate. This is the interest on the money you borrow, equivalent
to if you borrow the money for a whole year.
525725_CBG_MKT10788.indd 2 08/05/2018 16:32
How your benefits stack up 3
How your benefits stack up
Now pick one of three additional benefits to suit you at no extra charge!
Our Privilege and Privilege Premier current accounts also come with a choice of one of three additional benefits – giving you the chance to shape your account
around your individual lifestyle needs. Simply choose the one that suits you best...
Credit Report Monitoring** Airport Lounge Passes** Gadget**
Enjoy added personal security. For airport travellers. Protect your portable devices and gadgets.
• Credit Report Monitoring service. • Airport Lounge Passes (four passes per year to • Cover against theft, accidental and malicious
selected airport lounges around the world). damage for your registered items.
Start feeling safer; see page 11.
Travel extras ready to go; see page 11. • Gadget accessories cover included.
• Mechanical or electrical breakdown cover
included.
Cover for your gadgets; see page 12.
For more information, please refer to the Policy Summaries.
Now’s the time to choose!
There are three additional benefits to choose from. You have 60 days^ from the date you opened your account to select which additional benefit you’d like.
To register your choice: Call 0345 602 5783 or visit co-operativebank.co.uk/benefits
^If we don’t hear from you in that time, we’ll automatically allocate you the Credit Report Monitoring benefit, which will be fixed for up to 12 months.
**Registration to activate the policy or service is required. You can do this online at co-operativebank.co.uk/benefits or by calling 0345 602 5783. Limitations apply.
525725_CBG_MKT10788.indd 3 08/05/2018 16:324 Privilege current account benefits
Privilege current account
Squeeze more out of your banking with your
Privilege current account.
Starting here...
Worldwide travel insurance
Active from the moment you open your Privilege current account.
Covers you, your partner and all dependent children travelling with you
aged 22 years or under (including legally adopted, legal ward/guardianship,
foster and stepchildren) who at the start date of the journey are living at
your address or have a term-time address, and have no other permanent
residence unless they are residing with their other parent. Please see the
full definition of Dependent Children within the Policy document for full
information.
• Eligible family members are only covered when travelling with account
holders. • There are a number of sports activities and winter sports that are
• Existing medical conditions and medical conditions under investigation excluded. Please refer to the policy document.
may affect your cover. • Cover under your policy will cease when you reach 80 years of age or
• You must notify AXA of any relevant medical condition as detailed within when your current account is closed or the policy is cancelled, whichever
the policy document, and if this changes, notify AXA immediately. is earlier.
All medical conditions must be re-notified to AXA at least every 12 months. • Cover for holidays involving winter sports activities is not operative if you
• Excesses may apply to claims. are 65 years of age or older.
• Trips involving winter sports activities are limited to 21 days in total in any • There’s no cover for trips over 45 consecutive days’ duration.
12-month period.
525725_CBG_MKT10788.indd 4 08/05/2018 16:32Privilege current account 5
Privilege current account
• Any trip solely within the UK is only covered where you’ve pre-booked at Provided by AXA Travel Insurance and underwritten by Inter Partner
least two nights’ accommodation in a hotel, motel, holiday camp, bed and Assistance.
breakfast, holiday cottage or similar accommodation rented for a fee.
See terms and conditions for full policy details. Limitations apply.
• If it’s a joint account, the first and second named account holders can
travel independently but the children are only covered when travelling with
one or both account holders.
• For joint account holders who are not spouses or partners, cover is not
provided for the spouse or partner of either account holder.
• Missed departure cover is for if you arrive at your international departure
point, from the UK, too late to board your scheduled public transport.
• You are not covered for business trips.
IMPORTANT! Existing medical conditions
• If you or any person travelling under this insurance have any medical conditions, whether these are diagnosed or not (this includes those under
investigation), you may need to notify AXA. AXA will advise you if this will affect your cover and whether an additional premium will apply. If there are
any changes in your health, you must notify AXA, otherwise the insurance may not be valid.
• You must update AXA on existing medical conditions every year, not just at the outset.
• You must inform AXA of any change in your health or the health of anyone covered by the policy.
525725_CBG_MKT10788.indd 5 08/05/2018 16:326 Privilege current account
Privilege current account
Mobile phone insurance
A lost, stolen or damaged mobile can be expensive and inconvenient.
The cover that comes with your account really takes the pressure off,
should this happen.
• Insures up to four handsets, up to the value of £1,500 per phone, so your
family can benefit too.
• Covers the cost of repair or replacement in the event of theft, loss,
damage or breakdown (including faults) occurring anywhere in the world.
• Includes any accessories for your mobile phone if they are lost, stolen or
damaged at the same time as your mobile phone; you are covered for
these up to a value of £350 (including VAT). That’s cases, headphones,
Bluetooth headsets and other similar items. Registering your mobile phone
To help us administer your policy more effectively and to help simplify
• Worldwide cover means you or your family members needn’t worry about
losing a phone whilst abroad. Repair or replacement will be arranged upon the claims process, you can provide us with your mobile phone details.
return to the UK. This can be done through co-operativebank.co.uk/benefits or by
calling 0344 249 9981.
• You may need to provide proof of purchase to claim under the mobile
phone insurance. You’ll need the following information when registering your handset:
• Cover under this policy is limited to up to a maximum of two successful • Make.
claims during any 12-month period per account holder. • Model.
• There’s a policy excess payable for every successful claim. If you have an • IMEI number. The IMEI number is the unique serial number for your
Apple iPhone, the excess is £75 and for all other handsets it’s £50. mobile phone. You can find it by inputting *#06# into your mobile
Mobile phone insurance is provided on behalf of The Co-operative Bank phone. It should also be noted on the documentation that came with
by Lifestyle Services Group Limited and underwritten by Assurant General your mobile phone when you purchased it. Your airtime provider may
Insurance Limited. also be able to provide it to you.
• Telephone number.
Cover is subject to the terms and conditions which can be viewed at
co-operativebank.co.uk/benefits. Limitations apply.
525725_CBG_MKT10788.indd 6 08/05/2018 16:32Privilege current account 7
Privilege current account
More benefits – from spending to saving
£200 overdraft Your linked savings account
To make sure you’re not caught short unexpectedly, your Privilege current When you opened your Privilege current account, we automatically opened
account comes with an automatic £200 overdraft. The first £200 is a Privilege savings account for you. It’s a brilliant way to make more of your
interest‑free. An arranged overdraft above £200 is charged at 15.9% EAR money quickly and easily. Here’s why...
and an unarranged overdraft is charged at 18.9% EAR. Subject to status.
• You can transfer money quickly and easily between your current and
Monthly cap on unarranged overdraft charges savings account, earning interest on it as you go along.
The monthly cap on unarranged overdraft charges for your Privilege current • It pays a rate of interest which is guaranteed to track up to a maximum of
account is £60. 0.3% below the Bank of England Base Rate, for the life of your Privilege
1. Each current account will set a monthly maximum charge for: current account†.
(a) going overdrawn when you have not arranged an overdraft; or
(b) going over/past your arranged overdraft limit (if you have one).
2. This cap covers any:
(a) interest and fees for going over/past your arranged overdraft limit;
(b) fees for each payment your bank allows despite lack of funds; and
(c) fees for each payment your bank refuses due to lack of funds.
Need a little more on top?
If you need a higher limit and wish to apply for an arranged overdraft, contact
us on 03457 212 212 (6am - 10pm, 7 days a week).
Please refer to the Account Charges Leaflet for details.
We’ll pay you gross interest on your savings. To find out how you may need to pay tax on the
interest, please visit www.gov.uk/hmrc/savingsallowance
525725_CBG_MKT10788.indd 7 08/05/2018 16:328 Privilege current account
Privilege current account
Loans
If you need to borrow money over the short or long term, we offer our
customers straightforward loans with fixed repayments so you always know
exactly how much they’re costing you. And because we’re responsible
lenders, we never let you borrow more than you can afford to repay.
• Borrow between £2,000 to £25,000.
• Spread your loan repayments over one to seven years.
For available rates please contact us.
To find out more call us on 0800 346 494 and have your Privilege or
Privilege Premier current account number to hand.
IMPORTANT! Your cover and charges
• You may not use or be eligible for all the benefits available on this account, however, the monthly cost will remain the same.
• Please check to ensure if you already have travel insurance, mobile phone cover and/or motor breakdown cover in place with any other provider,
even if it’s part of another bank account. If you do, you need to check whether this product is suitable for your needs. You need to ensure that you
are not paying for more insurance than you need, and you must be aware that you may only be able to make a claim on one policy at any one time.
• The cost of the account will remain the same regardless of whether you use any of the benefits or not and will continue to be charged unless or until
you ask to change your account.
525725_CBG_MKT10788.indd 8 08/05/2018 16:32Privilege Premier current account 9
Privilege Premier current account
Take all the benefits and discounts of the Privilege
current account – then add extras on top. That’s what
you get with your Privilege Premier current account.
Starting right here...
UK and European motor
breakdown cover
When you’re on the road, it’s great to have the peace of mind and
reassurance that comes from comprehensive motor breakdown cover.
Your UK and European breakdown cover includes:
• Personal-based breakdown cover for the named account holder(s),
NOT the vehicle. Also good to know
• Roadside assistance to repair your vehicle.
RAC has been a breakdown organisation since 1897.
• Recovery for up to eight people and your vehicle to any destination within
the UK. • RAC has more patrols per member than any other breakdown provider.
• Breakdown assistance at your home. • RAC patrols fix four out of five cars at the roadside.
• Replacement car for up to one day while your vehicle is being fixed,
overnight accommodation or an alternative form of transport. IMPORTANT! Keep the enclosed policy document handy.
Your vehicle must be roadworthy and in good mechanical condition when you You’ll find breakdown cover policy details in this Welcome Pack.
obtain cover and you must keep it in that condition. Put them in your glove compartment and store the emergency
assistance number in your phone.
UK and European motor breakdown cover is provided on behalf of
Emergency assistance number: 0344 249 9981 (option 1).
The Co-operative Bank by RAC.
525725_CBG_MKT10788.indd 9 08/05/2018 16:3210 Privilege Premier current account
Privilege Premier current account
Extras to help with your spending and saving
£300 overdraft Your Privilege Premier linked
Your Privilege Premier current account allows you to tap into a £300
overdraft which was set up automatically when you opened your Privilege
savings account
Premier current account. The first £300 is interest-free. An arranged When you opened your Privilege Premier current account, we automatically
overdraft above £300 is charged at 15.9% EAR and an unarranged overdraft opened a Privilege Premier savings account for you. It’s a brilliant way to
is charged at 18.9% EAR. Subject to status. make more of your money quickly and easily. Here’s why...
Monthly cap on unarranged overdraft charges • You can transfer money quickly and easily between your current and
savings accounts, earning interest on it as you go along.
The monthly cap on unarranged overdraft charges for your Privilege Premier
current account is £60. • It pays a rate of interest on balances up to £100,000 which is guaranteed
to track up to a maximum of 0.1% below the Bank of England Base Rate
1. Each current account will set a monthly maximum charge for: for the life of your Privilege Premier current account^.
(a) going overdrawn when you have not arranged an overdraft; or ^We’ll pay you gross interest on your savings. To find out how you may need to pay tax on the
interest, please visit www.gov.uk/hmrc/savingsallowance
(b) going over/past your arranged overdraft limit (if you have one).
2. This cap covers any:
(a) interest and fees for going over/past your arranged overdraft limit;
(b) fees for each payment your bank allows despite lack of funds; and
(c) fees for each payment your bank refuses due to lack of funds.
Need a higher limit? You can apply for an arranged overdraft by contacting
03457 212 212 (6am - 10pm, 7 days a week). Remember…
Your Privilege Premier savings account rate tracks 0.1% below the
Please refer to the Account Charges leaflet for details.
Bank of England Base Rate on balances up to £100,000, guaranteed
for as long as you hold your Privilege Premier current account.
It’s easy to start saving now, call 03457 212 212 (6am - 10pm, *
c
7 days a week) for more information or pop into your local branch.
M
525725_CBG_MKT10788.indd 10 08/05/2018 16:32Additional benefits information 11
Additional benefits information
The ‘additional benefits’ in more detail
Choose one of three additional benefits available with both the Privilege and Privilege Premier current accounts.
More details about each additional benefit is provided below – it should help you decide which is the right one for you.
IMPORTANT! Register your selection within 60 days Choose from the following three
Once you’ve chosen your additional benefit, you must register it. additional benefits:
Remember you must make your selection within 60 days of opening
your account.
Credit Report Monitoring**
We’ll then send you a full information pack telling you everything you
As well as having easy online access to your credit report, we’ll set up
need to know. If we don’t hear from you in that time, we’ll automatically
a monthly monitoring service which will alert you by text or email of any
allocate you the Credit Report Monitoring benefit which will be fixed for
significant changes to your credit file.
up to 12 months – just to make sure you don’t miss out.
Subject to terms and conditions.
Airport Lounge Passes**
• Four Airport Lounge Passes per year, per account, for the account
holder(s) only to enjoy.
• If you wish to take guests with you, additional passes can be purchased at
£15 per person, per visit.
Subject to terms and conditions.
**Registration to activate this policy or service is required. You can do this online at
co-operativebank.co.uk/benefits. Please note: registration for Credit Report
Monitoring service is online only.
525725_CBG_MKT10788.indd 11 08/05/2018 16:3212 Additional benefits information
Additional benefits information
Gadget** REMEMBER!
• Worldwide cover up to £1,200 per account holder for digital cameras,
handheld DVD players, digital camcorders, MP3 players, portable sat
nav devices, games consoles and laptops, smart watches and wearable
Read the Policy Summaries
technology etc. You’ll find the Policy Summaries on the next page. They contain
details about the additional benefits to help you make your decision.
• Repair and replacement will be arranged upon return to the UK. Maximum But of course, you can only choose one and don’t forget to register it
individual item limit of £1,200 per account holder. within 60 days.
• Cover for theft, damage and breakdown (including faults) occurring You can register your chosen additional benefit at
anywhere in the world. co-operativebank.co.uk/benefits or by calling 0345 602 5783.
• If any accessories for your gadget are stolen or damaged at the same time If you don’t register within that time, you’ll be automatically allocated
as your gadget, you are covered for these up to a value of £50 (including the Credit Report Monitoring additional benefit – fixed for up to
VAT). That’s cases, headphones and similar. 12 months.
Subject to terms and conditions. The Privilege and Privilege Premier current account additional
insurance benefits for Credit Report Monitoring, Airport Lounge
Passes and Gadget are provided on behalf of The Co-operative Bank
by Lifestyle Services Group Limited and insured by Assurant General
Insurance Limited.
**Registration to activate the policy is required. You can do this online at
co-operativebank.co.uk/benefits or by calling 0345 602 5783.
525725_CBG_MKT10788.indd 12 08/05/2018 16:32Additional benefits information 13
Additional benefits information
Credit Report Monitoring
Arranged by Lifestyle Services Group Limited
Online access to your – view your credit file and receive monitoring alerts Price
– view tips on how to protect your personal information
credit report – view useful links to organisations and services
This benefit is provided as a benefit of you being a
As well as having easy online access to your credit report, Co‑operative Bank Privilege or Privilege Premier current
that can help you prevent your information being
we’ll set up a monthly monitoring service which will alert account holder, where you’ve selected the Credit Report
accessible to others.
you by text or email of any significant changes to your Monitoring option and that option remains valid. The cost
Or call our Benefits Helpline on 0345 604 1033. is an inclusive part of your Privilege or Privilege Premier
credit history, giving you the opportunity to act before any
serious damage is done. Benefits Customer Services are available: current account monthly subscription.
Monday-Friday 8am-8pm You must be aged 18 or over to be eligible for this benefit.
Registration and Saturday-Sunday 9am-6pm
day-to-day usage Credit reports and monitoring
Please ensure that you quote your policy ID and your full
As a Co-operative Bank Privilege or Privilege Premier name and address when you call. You’ll be asked security You’ll be able to access your online credit report from our
current account holder, you’re eligible for the service. questions to verify your identity. Calls may be recorded or chosen credit reference agency. You’ll be able to receive
You must register your details with us online at monitored for training/customer services purposes and/ monthly alerts of any significant changes to your credit file
co-operativebank.co.uk/benefits providing: or for the prevention/detection of crime. If you prefer, you by email or by SMS text messaging. To obtain your credit
may write to: report, please visit co-operativebank.co.uk/benefits
• your name and address
Your report will be viewable securely online, and we
• part of your Co-operative Bank debit card number Benefits Customer Services recommend that you save or print a copy. Using our website
(please have your debit card to hand) Lifestyle Services Group Limited will provide real-time access. If you cancel this benefit or
• your date of birth. P.O. Box 98 close your account, access to your credit report will end
Blyth immediately. No warranty is offered or given in relation to
You must keep your secure login details confidential. NE24 9DL the accuracy of information contained in your credit report.
You can use the website to: Please ensure that you quote your policy number and your If you notice entries which you consider may be inaccurate,
full name and address. please contact the credit reference agency directly to discuss
• access the Credit Report Monitoring service area of the
these entries.
website and:
– learn how important it is to protect your personal
information and how its theft and use could affect you
525725_CBG_MKT10788.indd 13 08/05/2018 16:3214 Additional benefits information
Additional benefits information
Cancelling the benefit 4. In the event you do not wish to continue this Financial Ombudsman Service, Exchange Tower, London,
benefit, please phone our Benefits Helpline on E14 9SR, United Kingdom.
1. You have the right to cancel the Credit Report Monitoring
0345 602 5783.
service at any time, which will have immediate effect. Or you can phone 0800 023 4567 or
However, no alternate selection will be available until 0300 123 9 123 from a mobile.
your additional benefit renewal option is offered to you by Enquiries/complaints
Website: www.financial-ombudsman.org.uk
The Co-operative Bank (your current selection will be We’ll always be fair and reasonable. Should there ever be
valid for up to 12 months from the date you select the an occasion when you feel that we’ve not provided you with If you purchased your account online you may also
additional benefit). As the Credit Report Monitoring a satisfactory level of service, we would like you to inform us have the option to refer your complaint to the Financial
service is provided as a benefit of you being a so that we can do our best to solve the problem. Ombudsman Service using the Online Dispute Resolution
Co‑operative Bank Privilege or Privilege Premier current platform. The platform has been established by the
We’ll do everything possible to ensure that your query is
account holder who has selected the Credit Report European Commission to provide an online tool for
dealt with promptly. The easiest way to contact us is to
Monitoring service option, if the connected Privilege or consumers to resolve disputes about goods and
call our Customer Relations team on 0345 602 5783.
Privilege Premier current account is cancelled or you services purchased online. The platform can be found at
Alternatively, you can write to us at the following
select another option, access to these benefits ends. http://ec.europa.eu/consumers/odr
address, quoting your name, address and Policy ID in all
If the additional benefit option does not meet your
correspondence: These procedures do not affect your right to take
requirements, please telephone the Benefits Helpline
legal action.
immediately on 0345 602 5783 or write to: Customer Relations
Lifestyle Services Group Limited
Benefits Customer Services
P.O. Box 98 Other information
Lifestyle Services Group Limited
Blyth Lifestyle Services Group Limited.
P.O. Box 98
NE24 9DL Registered in England No. 5114385
Blyth
Assurant House
NE24 9DL Our staff will attempt to resolve your query immediately.
6–12 Victoria Street
If this is not possible, we promise to acknowledge your
2. We may cancel access to this Credit Report Monitoring Windsor
query within five working days of receiving it. In the unlikely
service with immediate effect by a registered letter Berkshire
event that your query has not been resolved within four
to you at your last known address in the event of you SL4 1EN
weeks of our receiving it, we’ll write and let you know the
submitting any fraudulent or inaccurate information,
reasons why, and what further action we’ll take.
or for any other valid reason.
Once we’ve resolved your query, we’ll confirm our
3. Subject to clause 2 access to this additional benefit will response in writing. If you’re not satisfied with our decision,
remain in force for as long as you have a Co-operative please contact the Customer Relations Manager at the
Bank Privilege or Privilege Premier current account, address opposite. If after making a complaint you are
and this benefit continues to be provided as part of the still unhappy, you may contact the Financial Ombudsman
account benefits. Service by writing to:
525725_CBG_MKT10788.indd 14 08/05/2018 16:32Additional benefits information 15
Additional benefits information
Data Privacy Policy Sharing your information Your rights
Lifestyle Services Group Limited are part of the Assurant, Your personal information will be disclosed to other You have a number of rights in relation to the information
Inc. group of companies. The details here provide a Assurant group companies, and to any other entity or we hold about you, these rights include but are not limited
summary of how we collect, use, share, transfer and store service provider contractually obligated to us for the to: the right to a copy of your personal information we hold;
your information. For our full Data Privacy Policy please visit purpose of performing tasks that directly relate to the object to the use of your personal information; withdraw
our website by logging into the Credit Report Monitoring above-described purposes. any permission you have previously provided and complain
section of your account benefits at co-operativebank.co.uk/ to the Information Commissioner’s Office at any time if you
Your personal information will also be disclosed to public
benefits or contact our Data Protection Officer P.O. Box 98, are not satisfied with our use of your information.
bodies and organisations in order to satisfy our legal
Blyth, NE24 9DL or by emailing
obligations, where required. For a full list of your rights please refer to the full Data
dataprotectionofficer@assurant.com
Privacy Policy.
Information that we collect Where we send your personal Please note that there are times when we will not be
from you information able to delete your information. This may be as a result
Your information may be transferred to, stored and of fulfilling our legal and regulatory obligations or where
We collect a variety of personal information about you there is a minimum, statutory, period of time for which we
processed outside the European Economic Area (EEA).
including your name, address, contact details and date have to keep your information. If we are unable to fulfil a
We will not transfer your information outside the EEA
of birth in order that we can provide the benefits of request, we will always let you know our reasons.
unless it is to a country which is considered to have
this service.
equivalent data protection laws or we have taken all
reasonable steps to ensure the company has suitable
Using your information standards in place to protect your information.
The main reason we collect your personal information
is to enable you to use the benefits of the service and in How long we keep your personal
order that we can advise you of any changes to it. You can
choose whether or not you provide this information to us,
information
but if you decide not to do so, we will be unable to provide Your personal information will be retained as long as
the benefits under this service agreement. necessary for the performance of this service and for
as long as required or permitted by applicable law or
We will also use your information where we feel there regulation.
is a justifiable reason for doing so for example: carrying
out research and analysis to improve our services; and
recording and monitoring calls.
525725_CBG_MKT10788.indd 15 08/05/2018 16:3216 Additional benefits information
Additional benefits information
Airport Lounge Passes
Arranged by Lifestyle Services Group Limited and provided by DragonPass International
Service Summary Your Airport Lounge Pass is • Admittance to the lounges is conditional upon
presentation of a valid DragonPass card, boarding card
Airport Lounge access is available to The Co-operative activated and passport. Payment cards will not be accepted
Bank Privilege or Privilege Premier account holders who You can now take advantage of our dedicated DragonPass as substitutes for the DragonPass card. All guests or
have validly selected the Airport Lounge Passes option and mobile app and website which includes information on how additional visits will be chargeable.
requested Airport lounge access membership. to use the service (including lounge locations) and your
Airport lounge access is arranged for the registered digital membership card. Registered office details:
account holders of the eligible Co-operative Bank Privilege Lost, stolen or damaged DragonPass membership cards Lifestyle Services Group Limited.
or Privilege Premier account by Lifestyle Services Group are to be reported immediately to DragonPass, who will Registered in England No: 5114385
Limited utilising the services of DragonPass. arrange for a replacement card. Lost, stolen or damaged Assurant House
This service provides: cards will be deactivated wherever possible. A charge of 6-12 Victoria Street
£10 will be made for card replacement where more than Windsor
• access to over 800 airport lounges around the world –
three card replacement requests have been made in a Berkshire
subject to eligibility criteria
12‑month period. SL4 1EN
• where a participating lounge is present and available,
DragonPass International Ltd.
lounge access is provided no matter who you are flying
with or whether you belong to an airline programme Things to know Registered in England No: 8643888
173A Ashley Road
• access to business facilities – including phones, email, Before you go, simply check the lounge lists within the app
Hale
internet, fax machines and even conference rooms in or online at co-operativebank.co.uk/benefits
Cheshire
some lounges (where provided) • Lounge listings and lounge detail downloads are WA15 9SD
• complimentary refreshments and snacks and the chance available for Android and Apple operated devices.
to relax in peace and quiet before your flight Please check your membership guide and online
members area for details.
• annual DragonPass membership (which shall expire if
not renewed) • Renewal cards normally take up to a week to create and
despatch to you. If your card is due to expire and you
• four inclusive airport lounge visits per account to enjoy, wish to fly soon, please let us know.
during each period of membership
• There is no pre-booking required. If the lounge is open,
• additional lounge visits for you or your guests will be has availability and you’re eligible, you will be let in.
charged at £15 per person per lounge visit and will be Relax, it’s simple.
debited from your nominated payment card.
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Additional benefits information
Data Privacy Policy Sharing your information any permission you have previously provided and complain
to the Information Commissioner’s Office at any time if you
Lifestyle Services Group Limited are part of the Assurant, Your personal information will be disclosed to other
are not satisfied with our use of your information.
Inc. group of companies. The details here provide a Assurant group companies, and to any other entity or
summary of how we collect, use, share, transfer and store service provider contractually obligated to us for the For a full list of your rights please refer to the full Data
your information. For our full Data Privacy Policy please visit purpose of performing tasks that directly relate to the Privacy Policy.
our website by visiting the Airport Lounge passes section of above-described purposes.
Please note that there are times when we will not be
your account benefits at co-operativebank.co.uk/benefits
Your personal information will also be disclosed to public able to delete your information. This may be as a result
or contact our Data Protection Officer P.O. Box 98,
bodies and organisations in order to satisfy our legal of fulfilling our legal and regulatory obligations or where
Blyth, NE24 9DL or by emailing
obligations, where required. there is a minimum, statutory, period of time for which we
dataprotectionofficer@assurant.com
have to keep your information. If we are unable to fulfil a
Information that we collect Where we send your personal request, we will always let you know our reasons.
from you information Conditions of use
Your information may be transferred to, stored and
We collect a variety of personal information about you 1. The scheme.
processed outside the European Economic Area (EEA).
including your name, address, contact details and date of 1.1. This scheme is jointly provided by Lifestyle Service
We will not transfer your information outside the EEA
birth in order that we can provide the benefits of this service. Group and DragonPass International.
unless it is to a country which is considered to have
equivalent data protection laws or we have taken all The Co-operative Bank is not responsible for the
Using your information reasonable steps to ensure the company has suitable operation and running of the airport lounge access
The main reason we collect your personal information standards in place to protect your information. scheme or the airport lounges within the scheme.
is to enable you to use the benefits of the service and in 1.2. These terms and conditions will apply to you once you
order that we can advise you of any changes to it. You can How long we keep your personal have activated your membership of the scheme, they
choose whether or not you provide this information to us, are separate from the terms and conditions that apply
but if you decide not to do so, we will be unable to provide
information to your Privilege or Privilege Premier current account.
the benefits under this service agreement. Your personal information will be retained as long as
1.3. To access the benefits of the scheme
necessary for the performance of this service and for as
We will also use your information where we feel there you must register online at
long as required or permitted by applicable law
is a justifiable reason for doing so for example: carrying co-operativebank.co.uk/benefits
or regulation.
out research and analysis to improve our services; and or over the telephone on 0344 249 9981.
recording and monitoring calls. 1.4. R egistration will allow you to access the Airport Lounge
Your rights App on your mobile phone. The Lounge App can be
You have a number of rights in relation to the information downloaded from the Google Play or Apple App Store.
we hold about you, these rights include but are not limited This app is your digital membership card for the scheme.
to: the right to a copy of your personal information we hold;
object to the use of your personal information; withdraw
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Additional benefits information
1.5. T his service is designed to work as a digital service 2.9. You must tell DragonPass as soon as possible if you 3.6. The number of guests permitted varies from lounge
through access to the app provided. Using only the lose your physical membership card, or access to your to lounge as does the policy of individual lounges
physical membership card may mean you cannot digital membership card, for example if the device regarding access for children. Please check with the
access the discounts and information which is which you use to access the digital membership card individual lounges you plan to use prior to travelling to
available to you via the app. is lost or stolen, by calling on 0344 249 9981 (lines determine their policy on guests and children.
2. Membership. open 8am - 8pm Monday to Friday and 9am – 6pm 3.7. To access participating airport lounges you must show
Saturday to Sunday). your passport, boarding pass and your valid digital or
2.1. M
embership of the scheme is annual.
3. Airport Lounge Access. physical membership card.
2.2. T he membership year is defined as the date from
which you apply for your membership and the period 3.1. You are entitled to four free visits to airport lounges 3.8. Participating airport lounge staff will record your
of 365 days thereafter. that are part of the DragonPass scheme per details and communicate them to DragonPass.
membership year. This information will be used for record keeping,
2.3. M
embership will be automatically renewed provided
3.2. The free visit allowance is renewed each membership tracking usage and billing purposes,
you continue to have the qualifying account.
year and no unused visits may be carried over into where appropriate.
2.4. S hould you choose to cancel your Airport Lounge Pass
another membership year. 3.9. All participating lounges are owned and operated by
benefit or switch to a non-qualifying benefit,
3.3. If you hold a joint qualifying account, you will be third-party organisations. You must comply with the
your membership will be immediately cancelled and
issued with one membership number and two physical terms and conditions of the individual airport lounges
your free visit allocation removed.
membership cards or two access codes for the digital that you choose to visit or use.
2.5. If you cancel your membership of this scheme, you will
membership card on the Airport Lounge App. 3.10.In particular, please note that any food and drink,
not be entitled to a refund, reduction or cancellation in
This means that the four free visits are shared including alcoholic drinks, provided as part of your
the monthly fee for your qualifying account.
between the two members. lounge visit are only for consumption in the airport
2.6. If you have pre-paid for any additional airport lounge lounge and are not to be taken out of the lounge.
3.4. Your four free visits can be used only by the scheme
visits, which you have not used, these will be refunded
member. 3.11. It is the responsibility of the passenger to ensure they
to you.
3.5. Additional lounge visits for you or your guests can be arrive at their departure gate on time and board their
2.7. L ifestyle Service Group, DragonPass International and flight. There is no obligation on the lounges to provide
purchased via your Airport Lounge app, or by calling
The Co-operative Bank are not liable to you or any flight information or announcements.
0344 249 9981.
third party for any losses of any nature incurred by you
4. General Terms.
in the use of your membership of this scheme.
This includes the services provided, or not provided by 4.1. We do not give any warranty for any goods or services
the individual lounges or the inability to use any part of accessed through, or displayed on, our App or
the membership scheme. connected website.
2.8. If you change your name you must tell
The Co‑operative Bank as soon as possible, and
before you next use your membership card. Please
allow up to 72 hours for name changes to take effect.
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Additional benefits information
Severability Law and jurisdiction
4.2. If any court or competent authority decides that any 4.5. This agreement shall be interpreted in accordance
of the provisions of these terms and conditions are with English law and subject to the non-exclusive
invalid, unlawful or unenforceable to any extent, the jurisdiction of the English Courts.
term will, to that extent only, be severed from the
remaining terms, which will continue to be valid to the
fullest extent permitted by law.
Third Party Rights
4.3. A person who is not party to these terms and
conditions shall not have any rights under or in
connection with them under the Contracts (Rights of
Third Parties) Act 1999.
Entire agreement
4.4. These terms and conditions and any document
expressly referred to in them constitute the whole
agreement between us and supersede all previous
discussions, correspondence, negotiations, previous
arrangement, understanding or agreement between
us relating to the subject matter of these terms and
conditions. We each acknowledge that, in entering into
these terms and conditions, neither of us relies on, or
will have any remedies in respect of, any representation
or warranty (whether made innocently or negligently)
that is not set out in these terms and conditions or the
documents referred to in them. Nothing in this clause
limits or excludes any liability for fraud.
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20 Additional benefits information
Additional benefits information
Gadget Insurance
Arranged by Lifestyle Services Group Limited and provided by Assurant General Insurance Limited
Demands and needs Assurant General Insurance Limited is authorised by What is a gadget?
the Prudential Regulation Authority and regulated by
Gadget insurance meets the demands and needs of A gadget is either:
the Financial Conduct Authority and the Prudential
The Co‑operative Bank Privilege and Privilege Premier • A self-contained, portable device, having the design
Regulation Authority. Lifestyle Services Group Limited
current account holders who wish to ensure that their intention of supporting multimedia applications or
is authorised and regulated by the Financial Conduct
gadget(s) and/or those of their family member(s) are obtaining multimedia content.
Authority. All firms’ register details can be checked on
covered against theft, accidental damage, water and liquid The insured device must be self-supporting and not be
the Financial Services Register by visiting the FCA’s
damage, electrical or mechanical breakdown. dependent upon any other type of physical device for
website www.fca.org.uk/register or by phoning
The Co-operative Bank p.l.c. is not providing you with 0800 111 6768. its operation.
a personal recommendation based on your individual This policy is designed to cover the following or
circumstances as to whether this policy is suitable for your similar devices: PDAs (Personal Digital Assistant),
needs, and recommends that you read the Policy Summary digital cameras, satellite navigation systems, portable
that follows. camcorders (digital or otherwise), portable games
consoles, smart watches/wearable technology.
Status disclosure Policy Summary or
This Policy has been arranged as part of your bank account As a benefit of being a Co-operative Bank Privilege or Privilege • A games console (e.g. Wii, Xbox, Playstation). We do not
and is administered by Lifestyle Services Group Limited Premier current account holder, if you’ve selected gadget cover the screen used to view or play the content.
(Financial Services Register No. 315245) with a single cover as your optional benefit, we will repair or replace your
insurer, Assurant General Insurance Limited (Financial gadget in the circumstances summarised below. These are
Services Register No. 202735). explained in full detail in the Insurance policy document.
What is an accessory?
All accessories up to a combined original retail value of
We want you to get the most out of this policy, and that
£50, (including VAT), per claim (proof of purchase must
means you need to be clear on what is and isn’t covered.
be provided with your claim). The original retail value per
The Insurance Summary and Policy Documents provide
accessory will be the standard selling price applicable on
details of the insurance policy, which you must read
the original day of purchase.
to ensure that the policy meets your needs. Full terms
and conditions of the policy can be found in the Policy
Document. You may need to review this policy periodically
to ensure it continues to meet your requirements.
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Additional benefits information 21
Additional benefits information
What you are covered for What you are NOT covered for Duration of this policy
This policy covers registered gadgets up to a combined • You need to pay a contribution every time you make a Your Policy will remain in place until it’s either cancelled
retail value of £1,200 (including VAT) per account holder successful claim of: by you, or if you close your Co-operative Bank Privilege or
for each Privilege or Privilege Premier current account – Laptops and tablets - £50. Privilege Premier current account.
(gadgets must be owned by the account holder (you) or – All other gadgets - £25.
their family members). A family member is a relative living
This is the excess. Your excess is payable for every Price of your insurance
at the same address. Gadgets must be no older than three
accepted claim and must be paid before your This policy is provided as a benefit of you being a
years from new at the point of registration, and no more
claim will be settled. Co‑operative Bank Privilege or Privilege Premier current
than five years old at any time.
• More than two instances that give rise to an accepted account holder. The cost is an inclusive part of your
•
Replacing or repairing your gadgets in the event of: Privilege or Privilege Premier current account monthly
claim for each account holder in any 12-month period.
– theft A full description is in the ‘What you are NOT covered subscription.
– damage for’ section of the Policy Document.
– b reakdown (including faults) occurring anywhere in • Theft, damage or breakdown where you’ve knowingly Registering your gadget
the world. put your gadget at risk or you’ve not taken care of it. You must register the gadget(s) to take advantage of this
Examples are provided in the ‘What you are NOT
•
Gadget accessories that are stolen or damaged at the cover. Please go to co-operativebank.co.uk/benefits
covered for’ section of the Policy Document, which you
same time as your gadget, up to a maximum value of or call 0345 602 5783 and follow the procedure.
should read to help you understand the cover.
£50 (including VAT) per claim. You’ll need to provide the following information:
• Loss of the gadget(s) and accessories in any
This Policy is designed to cover the following or circumstances. • your name and address
similar devices: • Any gadgets that aren’t registered on your policy at the • the make, model, and serial number of the gadget(s)
•
PDAs (Personal Digital Assistant). time they are stolen, damaged or broken down. • your Co-operative Bank Privilege or Privilege Premier
ot
•
Digital cameras, satellite navigation systems. current account number and sort code
•
Laptops, tablets, portable camcorders (digital or • your date of birth.
otherwise), portable games consoles (e.g. PSP, If you change the gadget or you wish to cover a different
Nintendo Gameboy, GP2X), portable sound and gadget to the one already registered, you must register the
vision devices. new details with us as soon as possible.
•
A games console (e.g. Wii, Xbox, Playstation).Please
note we do not cover the screen used to view or play
the content.
• Smart watches/wearable technology.
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Additional benefits information
If you need to claim Cancelling your insurance Need another copy?
• You should tell us about your claim as soon as possible You have the right to cancel your insurance at any time. This document is also available in large print, audio and
and within 28 days of becoming aware of the theft, No refund is due upon cancellation. Braille, so get in touch with us on 0344 249 9981 if you’d
damage, or breakdown, and inform the police in the case like to request a copy in one of these formats.
of theft. Got a question? The same applies if you just need a replacement.
• You may need to send us proof that the gadget(s) is Need to make a complaint?
yours which should include the make, model, serial
We want to make sure you’re happy. Should you need to
Financial Services Compensation
number and memory size (where relevant).
talk to us, contact us by calling 0344 249 9981 or email Scheme (FSCS)
• We may ask for details on the steps you’ve taken to report LSG.Customerrelations@lifestylegroup.co.uk Assurant General Insurance Limited is covered by the
the gadget missing and any attempts to recover it. If after making a complaint you are still unhappy, you may Financial Services Compensation Scheme (FSCS). You may
• You can make a claim at contact the Financial Ombudsman Service by writing to: be entitled to compensation from the scheme in the unlikely
co-operativebank.co.uk/benefits Financial Ombudsman Service, Exchange Tower, event they cannot meet their liabilities to you. General
or by calling 0344 249 9981. London E14 9SR, United Kingdom. insurance contracts are covered for 90% of the entire claim
with no upper limit. Further information is available from
Or you can phone 0800 023 4567 or
the FSCS by calling 0800 678 1100 and online at fscs.
0300 123 9 123 from a mobile.
org.uk
Website: www.financial-ombudsman.org.uk
Please see section N of the Gadget Insurance Policy
If you purchased your account online you may also have the Document for further details.
option to refer your complaint to the Financial Ombudsman
Service using the Online Dispute Resolution platform.
The platform has been established by the European
Commission to provide an online tool for consumers
to resolve disputes about goods and services
purchased online. The platform can be found at
http://ec.europa.eu/consumers/odr
These procedures do not affect your right to take legal action.
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525725_CBG_MKT10788.indd 23 08/05/2018 16:32Current accounts
Accounts for children
Savings
Credit cards
Loans
Mortgages
Ethics as standard
Please call 03457 212 212* (8am - 8pm 7 days a week) if you would like to receive this
information in an alternative format such as large print, audio or Braille.
To hold a Privilege or Privilege Premier current account you must be 18 or over and a UK resident. The terms and exclusions applicable to any of the account benefits are set out in this
Welcome guide. Savings account: If you convert your account back to either a Privilege or current account, a lower rate of interest will be paid on the savings account linked to your current
account. Policy and supplier terms and exclusions apply.
The subscription fee for the Privilege current account is £11 debited from the account on the first working day of each month. The subscription fee for the Privilege Premier current account
is £15.50 debited from the account on the first working day of each month.
The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No.121885).
The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and
Wales No.990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for
an account or credit facility. The Co-operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.
*Calls to 0800 and 0808 numbers are free from landlines and mobiles. Calls to 03 numbers cost the same as calls to numbers starting with 01 and 02. Calls may be monitored or recorded for security and training purposes.
MKT10788 05/2018
Information correct as at 05/2018.
We like our communications to have an impact on you – but not on the environment. This document is printed using vegetable oil-based inks
on paper which is part recycled, Forest Stewardship Council® certified and made in an elemental chlorine-free process.
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