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As part of new current account legislation, we’re required to send you an Annual Statement of Fees. The format of the statement has been standardised to help you to compare current account fees, charges and interest across the industry.
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Any charges shown on the new statement will already have been advised to you in your monthly statements. The easiest way to check what you’ve been charged is to register for Online Banking (if you haven’t already done so) or download our Mobile Banking App and view your previous statements online.
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No, under the new legislation we are required to send you an Annual Statement of Fees, however you can choose to view your documents via Online Banking or on our Mobile Banking App instead of getting a paper statement.
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There’s a lot of duplication between the new Annual Statement of Fees and the existing annual statement, so going forward we’ve decided to only send the new statement.
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Your Annual Statement of Fees will be sent on the anniversary of you opening your account. This new Annual Statement of Fees will replace the usual annual statement we send you.
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The Annual Statement of Fees summarises any fees and interest you have paid, or earned, over a 12-month period.  
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When paying online with your debit card, we might need to check its you making the purchase by sending a one time passcode to your phone. This is an extra layer of security for online card payments. We will ask you to choose your phone number and we’ll send you a code. We’ll then prompt you to enter the code online to confirm its you. You must not share this security code with anyone else.  To make sure you’re able to make payments online, we need the correct number(s) for you. If you need to update your contact number, please refer to our FAQ 'How do I update my phone number'. Read more about our secure online card payments.   Some other things to consider: If you don’t have a mobile phone you can choose for us to send the code to a landline number The code can take a little bit of time to arrive. Make sure your phone is able to receive the code and then wait a few minutes. If you still don’t receive it then ask us to send a new code. If you are using your phone abroad, even if it is a UK mobile number, this could cause a delay in receiving the code.
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