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1.1 This document contains the conditions applicable to our Online Business Banking, Mobile Business Banking and Paym services.
What do we mean by Online and Mobile Business Banking?
Online Business Banking and Mobile Business Banking are services that enable you to access, give instructions on and operate additional functionality in relation to certain accounts you hold with us or any other company within the Santander UK group of companies (including any account which you hold jointly with somebody else).
You can access Online Business Banking by logging on at our website www.santander.co.uk.
You can access Mobile Business Banking using the Mobile Business Banking app.
What do we mean by Paym?
This is the industry payments service which allows you to make and receive sterling payments in and out of your account from your mobile device.
1.2 These terms relate only to the services described in them. Separate terms apply to the underlying accounts.
1.3 Please read these conditions carefully. If you want to refer to them in future, you can access them on our website at www.santander.co.uk, on our Mobile Business Banking app, or via our Telephone Banking service.
1.4 In this agreement:
a) "we", "our" and "us" means Santander UK plc;
b) “You/Your” means the incorporated company, partnership, limited liability partnership, club, society, association, sole trader or other incorporated body that is the account holder.
c) “Account Holder” means the account holder of the account, as identified on the relevant account’s application form.
d) “Authorised Person” means someone you have requested and authorised us to operate the account and/or to have access to information related to the account whether by the issue of a Card or otherwise.
2.1 With Online Business Banking and Mobile Business Banking, you can access information about your account, give us instructions, set up alerts and use other functionality that we make available from time to time.
2.2 We will provide or ask you to set security details for access to Online Business Banking and Mobile Business Banking. These could include a password, security code, memorable information or biometric data such as a fingerprint. We may change these requirements at any time.
2.3 Each Account Holder or authorised person named on the account can register for Online Business Banking and Mobile Business Banking. Each Account Holder or authorised person will have separate security details to access and use the service.
3.1 You use the Mobile Business Banking app under licence from us on the terms set out below. This licence is non-transferable, non-assignable and non-exclusive.
3.2 You are not permitted, and will not be able to, download, install or use the app on a device which has been jail-broken, rooted or which has had its security settings compromised in any other way. Jail-broken or rooted means that the device has deliberately had its security settings changed, making it less secure and more vulnerable to fraudulent attacks. If we detect that your device has been jail-broken, rooted or had its security settings compromised in any other way we shall be entitled to prevent you from using the Mobile Business Banking app.
3.3 In using the app, you must:
3.4 The licence commences when you first install the app and will continue until you stop using Mobile Business Banking. If you stop using Mobile Business Banking, you should delete the app from your devices. By using the app, you will be deemed to accept the terms of this licence.
3.5 Any updates to the app will be made available through the Apple app store and Google Play or other application stores the app is available from. We will not be responsible for providing updates to you in any other way.
3.6 We are solely responsible for the app and should you wish to raise any complaint concerning the operation of the app, you should contact us rather than the relevant app store.
3.7 If a third party claims that the app or your use of it infringes their rights, you will give us any reasonable assistance we require to investigate and defend that claim.
3.8 By using the app, you confirm that you are not located in a country which is subject to any embargo by the United States of America (“the US”), is considered a terrorist-supporting country by the US and you are not prohibited from accessing the app as a result of being listed on any US Government restricted parties lists.
3.9 You understand that by using the app the authorised app providers and their subsidiaries are third party beneficiaries of the licence, and may enforce the licence in this capacity.
4.1 You can use Paym to make and receive payments using your mobile phone number as well as access information about your balance and transactions. To access the service you must be set up for Mobile Business Banking because the service is accessed via the Mobile Business Banking app.
4.2 If you are a joint account holder, each joint account holder can register for Paym through their use of Mobile Business Banking.
4.3 By choosing to register for and to use Paym, you authorise us to retrieve a unique identifier from your mobile device in order for us to link that device to you. This is essential to ensure that other devices are not used to fraudulently access your account and make payments from it.
4.4 You can make a payment using Paym to anyone with a UK bank account who has registered their mobile phone number for the service with us or with another bank.
4.5 To make a payment using Paym, you must provide the person's mobile phone number or, in the case of some businesses, a specific reference that the business provides. These are the payment details that we need to make the payment from your account.
4.6 When you ask us to make a payment using someone's mobile number, we will check whether they are registered. If they are, we will confirm their details in the app for you to confirm the payment. If the person you are trying to pay is not registered, we will not make the payment and will notify you via your mobile device so that you can make alternative payment arrangements.
4.7 By selecting a contact number on your mobile device when using the service to make a payment you consent to the Mobile Business Banking app accessing and extracting your data stored in the address book of your mobile device.
4.8 Payment requests are subject to minimum and maximum limits and you will be informed of these when you make your payments.
4.9 Once you register your mobile phone number to receive payments, your details will be uploaded onto a central database hosted by the operator of the Paym service and will be accessible by other banks that use Paym in order to make payments to you.
4.10 You authorise us to display the full name of your registered account and your mobile phone number to any of the following persons:
(a) the operator of the Paym service and any third party suppliers to the operator;
(b) other banks that participate in Paym;
(c) any employees and contractors of the above; and
(d) any other persons that use Paym (including customers of other banks),
when you use Paym. We will display the name we hold for you on our records which may be different to the name that the other person knows you as.
If, using this service you receive any payments by mistake, you must tell us as soon as possible.
5.1 By activating Online Business Banking you will automatically have access to our Alerts service. This is a text and email service that provides balance and transaction alerts by email and/or to a UK registered phone.
5.2 Each Account Holder or authorised person named on the account can register for the Alerts service. Each Account Holder or authorised person will use the Alerts service independently.
5.3 We will only send you each text or email once. If you delete a text or email we cannot send it again.
5.4 You can cancel alerts at any time by logging onto Online Business Banking and selecting the relevant options, visiting your local branch or calling us,
5.5 If we do not send an alert or if it is inaccurate, we will only be responsible for any charges you incur on your account which you could otherwise have avoided but we will not be responsible where it is due to reasons outside our reasonable control (for example your phone is out of coverage, is switched off or you have changed your number).
5.6 All balances in any alert will be correct as at the date and time stated in the text or email and are subject to possible readjustments. Any balance shown refers to the actual balance on your account and may include transactions that are still being processed and so may be subject to change. It may not include any overdraft that you have.
6.1 We may make operational changes to the way that the services are accessed at any time. We will tell you about such changes by either placing a message on our website, via your mobile device, or by text, email or by post.
6.2 You are responsible for maintaining your computer or mobile device, for ensuring that it is compatible with the particular service and for downloading the latest version of the app.
6.3 Occasionally, we may need to carry out maintenance that could limit the availability of the services.
6.4 We shall use reasonable endeavours to keep the services free from viruses and corrupt files but cannot guarantee this. You should ensure that you have appropriate anti-virus software installed on any computer or mobile devices that you use to access the services. We shall not be liable for any loss or damage you suffer if your device is infected by a virus or corrupt file unless such loss or damage is the direct result of our negligence or deliberate default.
7.1 To login to your account, make payments and access many aspects of the services you will need to register your mobile phone number to receive one time passcodes that we will send to your phone. You will need to input this code to verify and complete certain transactions. We will only send you a passcode when you have taken action to access the service.
7.2 When you add or seek to make a payment to a new payee using Mobile Business Banking or Online Business Banking, you will be asked to input a one time passcode as part of the process. Once a new payee is verified with a one time passcode, future payments to that payee may be made without entering another one time passcode. If you do not intend to make any future payments we recommend you delete this payee after payment.
7.3 You must take all reasonable precautions to prevent anyone else from accessing the passcode and must never disclose it to anyone, even if they claim to be our employees or agents or the police. We will never ask you to disclose you OTP.
7.4 You must tell us as soon as possible if you change your phone number, or your phone is lost or stolen. We will send a text to confirm this. If you receive a text confirming a change and you have not asked to change your number, please contact us immediately.
8.1 You must take reasonable security precautions to keep your account safe when using Mobile Business Banking or Online Business Banking, including:
(a) not choosing a PIN or other security details which may be easy to guess, such as your date of birth;
(b) memorising security details or writing them down only in a way that cannot be understood by others (you should not store them on your device);
(c) only providing security details to us when asked through Mobile Business Banking or Online Business Banking (we will ask for details if you call us but will never ask for them over email);
(d) only responding to an email if you are confident it came from us (we will address emails to you personally and quote your postcode or last four digits of the account number to identify ourselves);
(e) only accessing our Mobile Business Banking or Online Business Banking service via our website or app (you should never go to our Online Business Banking service from a link in an email and enter your security details);
(f) ensuring any information shown or stored on your device is kept secure, that the device is locked when you are not using it and that you log out when exiting the service;
(g) protecting your device with up-to-date anti-virus and firewall software; and
(h) not accessing your account from a device using public WI-FI.
8.2 Our digital services may use your location data or information about your device in order to prevent and detect fraud. For example, we may check if you are in the country where your payments are being made in instances where we suspect fraud on your account. We will not use this information for any other purpose.
8.3 Further details on keeping your accounts safe can be found on our website and at www.banksafeonline.org.uk. You must follow any other the guidance we give you about keeping your security details and mobile device or computer secure.
8.4 If you receive a suspicious email please do not open it or click on any links contained within it, instead report this immediately by forwarding the email to email@example.com.
8.5 You must contact us immediately in accordance with your account terms if you believe someone else knows your security details or think they have been misused.
8.6 If you don’t follow these procedures, we may withdraw or suspend your ability to access Online Business Banking or Mobile Business Banking until we are satisfied that your account is secure.
8.7 For security reasons we may de-activate your security details if you have not used them to access Online Business Banking or Mobile Business Banking for any fifteen month period. We will send you a reminder at least two months before any de-activation date.
9.1 Online Business Banking and Mobile Business Banking services use a high level of encryption, which may be illegal in some countries outside of the UK. You should not access the services from countries where this is not permitted by local law. We shall not be liable for any loss, damage or other outcome suffered by you as a result of you breaking any local law by using the services from outside the UK.
10.1 This agreement does not have a fixed duration so will continue until either you or we end it.
10.2 You can cancel your Online Business Banking and Mobile Business Banking service at any time by calling us or writing to us at Digital Banking Department, Santander House, Mays Meadow, Belfast BT1 3PH.
10.3 If you cancel Online Business Banking, you will not be able to access any online-only accounts and you will no longer be able to use Mobile Business Banking.
10.4 You can end your use of Mobile Business Banking at any time by deleting the app from your device.
10.5 We may terminate your use of any of the services at any time by giving you at least 2 months' written notice (including email or text alerts).
10.6 We may also terminate or suspend your use of the services if we terminate or suspend your use of your accounts in accordance with the account terms.
11.1 We can change any of these terms and conditions, including introducing or changing charges, provided we give you at least two months' notice in advance of the change.
11.2 We can give you notice on the log on page of Online Business Banking, via the Mobile Business Banking app, by post, email, text or by any other means we agree with you. You should check our website regularly for such messages.
11.3 The new terms will apply automatically at the end of the notice period, but if you do not want to agree to the change, you can stop using Online Business Banking or Mobile Business Banking without paying any extra charges or interest, at any time until the change takes effect. If you continue using Online Business Banking or Mobile Business Banking after this, we'll assume you've accepted the change.
11.4 We may also make changes to Online Business Banking or Mobile Business Banking from time-to-time that we ask you to agree to through the website or app, for example software updates or improvements in functionality.
12.1 This agreement is personal to you and you cannot transfer your rights or obligations to anyone else. We may transfer our rights and obligations at any time.
12.2 If any term of this agreement is found to be unenforceable, this will not affect the validity of any others.
12.3 The law applicable to these conditions and the courts having jurisdiction in the event of any dispute shall be as set out in your account terms.
12.4 All the information we give you and all communications from us will be in English. We will only accept communications and instructions from you in English.