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Frequently Asked Questions about Brexit

Information correct as of 2nd January 2019

What the UK’s exit means for your banking.

This is an uncertain time with the UK’s exit from the EU still to be agreed.  We’ve included the most frequently asked questions on your products and services below. 

  1. What is the impact on my banking products and services?

    Nothing has changed. There is no immediate impact on your ability to access your existing banking products and services.

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  2. Is my money safe?

    • Yes, your money is safe. There is no change to the way your account works or how it is protected.
    • Your deposits and investments continue to be protected by the Financial Services Compensation Scheme. More information is available here.
    • The Prudential Regulation Authority and Financial Conduct Authority remain our primary regulators.
    • You can continue to use our banking services as you currently do.

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  3. Will I still be able to change Sterling into Euros in the UK?

    Yes. The current method of currency exchange does not change.

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  4. Will I still be able to exchange my money into Euros or Sterling when abroad?

    Yes. You shouldn’t have any issues. The current method of currency exchange does not change

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  5. Will I be able to use ATMs / pay by my debit / credit card in Europe?

    Yes. The use of ATMs and how you use your cards to pay for goods or services doesn’t change.

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  6. Will there be any impact to accessing Digital / Online Banking when travelling in Europe?

    No. Internet Banking is not affected.

    You can also continue to access your bank account through our mobile app, if you have it.

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  7. Will I still have access to the same products?

    Yes. At present, products and services will remain the same.  You can continue to use our banking and insurance services as you currently do.

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  8. Will my personal data still be secure?

    You continue to be protected through current legislation, and our internal policies. Your data will continue to be held in the most secure way.

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  9. Are my investments protected?

    Your deposits and investments continue to be protected by the Financial Services Compensation Scheme.

    The Prudential Regulation Authority and Financial Conduct Authority remain our primary regulators.

    You can continue to use our banking and insurance services as you currently do.

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  10. What impact will this have on my mortgage?

    There are no changes to our mortgage products, rates or services.

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  11. Can I continue to make payments to and from EU countries?

    At present we don’t anticipate any changes to how you make and receive payments to and from these countries.

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  12. Which countries are in the EU?

    The EU currently consists of:

    Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the UK.

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  13. Which countries are in the European Economic Area (EEA)?

    The EEA includes EU countries and also Iceland, Liechtenstein and Norway.

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For general updates and guidance on the UK leaving the EU, the UK Government has set up an online hub.