Bank statement – most common terms
| Maintaining the account | Current Account Fees | Fees paid from your account |
| Pre-Notified Fees | Fees paid from your account | |
| Sending money within the UK and outside the UK | 365 Online | A transfer, made through 365 online, between your account and another account with the account number or payee name shown |
| Telegraphic Transfer | Funds sent from your account to another account. | |
| SDMT 01234567891234 | Same day money transfer , with the reference number shown, paid out of your account | |
| COMM TX TELEG TRANS | Fee for non-SEPA payments made at a branch or over the phone | |
| CHAPS CH | Fee for a Telegraphic Transfer (CHAPS) payment made from your account | |
| 365IntPayChg | Fee for non-SEPA payments made online | |
| Receiving money from outside the UK | CHRG GP | Fee for having a non-SEPA payment paid into your account | Cash withdrawal in pounds in the UK | Cash | Cash withdrawn from your account |
| In Branch Cash 902346 | Cash withdrawn from your account at a branch with the sort code shown | |
| LINK 01Jan ER0127 | Cash withdrawn from a cash machine on the date and at the place shown | |
| Cheque-Cash 123 | Cash withdrawn from your account using a cheque with the cheque number shown | |
| ATMD 06Jun BOI 905053 | Cash withdrawn from a Bank of Ireland UK cash machine on the date and at the place shown | Cash withdrawal in foreign currency outside the UK | VDUK CASH FEE | Non-sterling cash fee – for withdrawing cash from cash machines outside the UK and some cash machines in Ireland (excluding Bank of Ireland cash machines) |
| ATM CHG EUR 999999.99 | Fee for withdrawing cash from cash machines outside the UK and some cash machines in Ireland (excluding Bank of Ireland cash machines)- 2.75% of the amount withdrawn | |
| Debit card payment in pounds | POS 01Jan SHOP | Debit card payment from your account on the date and at the place shown |
| Debit card payment in a foreign currency | POS CHG EUR 999999.99 | Fee for debit card payments in the foreign currency shown – 2.75% of the amount spent |
| Standing order | SO | Standing order paid from your account |
| Direct debit | DD | Direct debit from your account | Unarranged overdraft charges | Total Charge Amount | Total amount of fees due for refusing a payment due to lack of funds or allowing a payment despite lack of funds |
| Accumulated CHRGS | Total amount of fees due for refusing a payment due to lack of funds or allowing a payment despite lack of funds at account closure | |
| Unpaidfee01jan | Charge for a cheque, standing order or direct debit not being paid from your account (non-personal customers) | |
| Unpaid S/O Charge | Charge for a standing order not being paid from your account (non-personal customers) | |
| Referral Item(s)-Fee | Charge when there is not enough money in your account, or enough of an overdraft, to cover payments made from your account (non-personal customers) | |
| Cancelling a cheque | Stop Inst – Cheque | Charge for cancelling a cheque |
| Detail of interest paid on the account | Interest | Interest paid from your account |
| Notified Interest | Interest paid from your account | |
| Detail of interest earned on the account | Interest | Interest earned on your account | Receiving money from within the UK | In Branch Cr 902346 | Amount paid into your account at a branch with the sort code shown |
| Express/Post Lodg | Amount paid into your account using the ‘Express Lodgement‘ facility | |
| Giro Credit 123456 | Amount paid into your account by giro credit with the reference number shown | |
| SDMT 01234567891234 | Same day money transfer’ , with the reference number shown, paid into your account | |
| Lodgment 12, Or Personal Cr 12 | Amount paid into your account with a lodgement docket that has the serial number shown | |
| CHRG GP | Fee for having a CHAPS payment paid into your account | Other | Pre-Notified Fees | Fees for transactions into and out of your account |
| Current Account fees | Fees for transactions into and out of your account | |
| IBAN | International Bank Account Number | |
| Replace Card Charge | Charge for replacing a cash or debit card | |
| Statement Charge | Charge for extra statements (more than one a month) | |
| STATEMENT COPY CHRGE | Charge for copies of past statements | |
| Refund Of Fees | Fees refunded to your account | |
| Stop Inst – Direct Debit | Charge for cancelling a direct debit | |
| TPP | Payment from your account made by a third party payment service provider | |
| Draft 123456 | Payment, with the serial number shown, made from your account with a banker’s draft | |
| Cheque 123 | Cheque with the number shown paid from your account | |
| PASS Adj 21Sep 9023 | Refund of a withdrawal from a cash machine on the date and from the cash machine shown |
Most common terms used in the interest notification statement
| Credit Limit | This is the most you are allowed to borrow on your account, also called the arranged overdraft limit |
| Surcharge | Extra interest for going over your credit limit |
| Interest Component | Details of interest you will pay |
Full details of our charges are given in our charges leaflets which you can get from branches in NI and on our website.
Debit card payments and cash withdrawals in a foreign currency outside the UK
Debit card payments and cash withdrawals in a foreign currency outside the UK (excluding Bank of Ireland cash machines and some other cash machines in the Republic of Ireland) will be exchanged at the Visa exchange rate operating on the date the transaction is applied to your account.
Please visit www.visaeurope.com/making-payments/exchange-rates for more details of the specific rate applied.
Looking after your personal information
The General Data Protection Regulation (GDPR) places data protection obligations on us, making us more accountable and transparent when we use your personal information. You will find more about how we handle your personal information and what your rights are, in our new Privacy Notice or by contacting us to ask for a copy.
Financial difficulty
If you’re worried that you’re having difficulty managing your finances, we would encourage you to contact us so that we can understand your circumstances and work with you to agree the best way forward. You should also be aware that there are various not for profit organisations which can offer you free independent debt advice and you can find their contact details by logging on to our website for further details.