• "Website" shall mean our website www.icicibank.co.uk.
• “Working Days” shall mean days excluding public or banking holidays and weekends (Saturday and Sunday) in the United Kingdom.
• “branches” means branches of ICICI Bank UK plc in the United Kingdom.
• ATMs” means automated teller machines/cash machines where your card will be accepted, which may be operated by us or by someone else.
• “we”, “us”, and “our” mean ICICI Bank UK PLC
• "Current account" shall mean HomeVantage Current Account and HomeVantage Salary account, unless where the differentiation is highlighted.

• the recipient’s bank account number, or International Bank Account Number (IBAN) if paying to a bank in the EU/EEA;
• the name of the recipient to whom the payment is made;
• your own account number and name. This is a legal requirement and these details will be passed to the recipient’s bank; and
• the recipient’s reference, if applicable
• amount, currency and purpose of payment

• the sort code and account number for the recipient’s account;
• the date the payment is to be deducted from your account, when initiated from Internet banking;
• the recipient’s name; and
• any reference identifying the payment (including a reference to you or the recipient)

• the recipient’s name, sort code and account number;
• the date we are to start deducting the payments from your account;
• how often you want us to make the payments;
• the amount of each payment and for what length of time you require us to make the payments; and
• any reference identifying the payment (including a reference to you or the recipient).

• Name of the Beneficiary
• Postal address of the Beneficiary
• Beneficiary’s account number
• Beneficiary Bank’s complete postal address with post code (in case of transfers to banks   other than ICICI Bank Limited, India)
• Your own account number and name. This is a legal requirement and these details will be   passed to the recipient’s bank.
• The recipient’s reference, if applicable
• Amount, currency and purpose of payment

• obtain your balance
• obtain details of recent transactions
• speak with a Customer Service Officer in relation to other enquiries or for placing requests for servicing your account.

Issuing a card and Personal Identification Number (PIN)

• never write down your security details; and
• do not choose security details which are easy to memorise such as sequences of letters or numbers that may be easy to guess; and
• take care to ensure that no one hears or sees your security details when you use them; and
• keep card receipts and other information about your account containing personal details (such as statements) safe and dispose of them safely. People who commit fraud use many methods such as searching dustbins to obtain this type of information. You should take simple precautions such as shredding paper containing such information.
• Keep your details on communication address, phone number and mobile number updated with us.
• You agree that we may record by camera your use of the card at any ATM or point of sale terminal.

• sign each card on the signature strip as soon as you receive it; and
• keep your debit card separately from your cheques; and
• keep your card and PIN safe; and
• never allow anyone else to have or use your card or PIN; and
• never disclose the card number, PIN or card security codes except when using the cards to make payments; and
• do not disclose your PIN for mail order payments or when paying for goods and services over the telephone or through the internet; and
• comply with other advice given by us in these terms and conditions for using debit cards to make payments through the internet; and
• never tamper with the card; and
• destroy the PIN advice immediately after receipt; and
• never write down your PIN; and
• comply with all reasonable instructions we issue regarding keeping your card and PIN safe.

• When you call us, we will confirm your identity using our security procedures. We may not be able to assist you if we are unable to identify you as our customer using our security procedures.
• When we call you, we will never ask for details of your password or PIN to identify you as our customer. We will ask you questions based on information known to us about you and the transactions on your account.
• If you are using your mobile phone’s text messaging facility for any services related but not limited to, text banking and online payee registration, you will be responsible for deleting the information held on your mobile phone.
• You should not use cordless or mobile telephones operating on an analogue network to telephone us. We are not responsible if any one else intercepts or overhears any telephone conversation between you and us.

• Keep your personal computer secure by using anti-virus spyware software and a personal firewall.
• Keep your passwords and PINs secret - we will never ask you for your online banking password information.
• Always access Internet banking by typing in the bank address to your web browser, never go to an internet banking site from a link in an e-mail and then enter personal details.

• any of the conditions set out in this section B on Payment Services have not been met
• we are not reasonably satisfied the transaction or the instruction is lawful
• we consider that your account has been or is likely to be misused for an illegal purpose
• it is for the purpose of fraud prevention
• it may cause us to breach any legal or contractual duty
• Anti-money laundering regulations or Rules of the Financial Services Authority (the FSA) prevent us from doing so.

1. we have not told the person to whom it is payable or their bank that it will be paid; or
2. you ask us not later than 1200 Hrs of the day before which the payment is due; or
3. it is not a card payment. To cancel a direct debit or other regular payment you must also tell the party that collects the payment from your account.

• the cheque has not been paid already.
• we receive the request to stop it before 1100 Hrs on the day the cheque is presented for payment.
• you have provided sufficient details for us to identify the transaction.
• We will charge to “stop” the cheque. The charges are provided in rates and charges leaflet.

• if a cheque you issue is paid in at the counter of any of our branches, the amount will be deducted from your account on the same day;
• if you cash a cheque at any of our branches, the amount will be deducted from your account on the same day;

• if you or we reasonably suspect you, are knowingly involved in a fraud concerning the cheque; or
• you have given your express consent.

A foreign cheque is a cheque drawn in a foreign currency, or a cheque in sterling drawn on a bank based abroad. It includes other forms of foreign payment. We may agree to negotiate a foreign cheque, although we are not obliged to do so. This means that we will add to your account the full amount or the converted amount. If it is returned unpaid, we will have recourse against you and anyone who has signed or endorsed it and we can deduct from your account either the amount we added or if we converted the cheque into another currency, the amount reconverted at the exchange rate applicable on the date we make the deduction.

In case of clearing of non-UK cheques, we may take approximately 21 working days for crediting cleared funds into your account. For a foreign cheque, we will convert the amount at our applicable rate of exchange at the time of conversion. To know the exchange rate used, please contact us.

We may decide or agree to send a foreign cheque for collection. For this we may:

• send it directly to the Bank on which it is drawn and credit your account once we have received the payment; or
• pass it though the payment system of the country where it needs to be presented for payment. We may appoint an agent in that country, which may be an affiliate of ours, to do this for us. We will credit your account with the amount of the foreign cheque when our agents or we have received the funds and are satisfied that they can be credited to your account. This may involve us or our agents waiting after receiving funds from the bank upon which the foreign cheque is to be drawn, to be certain that it has been cleared and has not been returned before we credit it into your account.

1. the amount has not already been taken out of your account; or
2. we have not told the person to whom it is payable or their bank that it will be paid; or
3. you ask us not later than 1200 Hrs of the day before which the payment is due;
4. In case you have setup a standing instruction using the Internet banking facility, then the cancellation of such an instruction can be done only via Internet banking; and
5. In case you have setup a standing instruction by visiting a branch, then the cancellation of such an instruction can be done via the branch or by calling us 24x7 on 08081 31 41 51 (freephone from UK landline).

You may use the Service to make a Transfer to India in the following ways:

(a) Visit one of our branches
(b)Money Transfers through phone: You may avail of this facility by calling us 24x7 on 08081 31 41 51 (freephone from UK landline)
c) Through internet banking

Mode of acceptance of funds to make a Transfer using the Service:

(a)cash
(b) cheque
(c) account debit

Please note that in case payment is deposited by cash or cheque, we will first credit such payment to Your Account and then process the Transfer request by making a debit to Your Account.

You must read your statements carefully on receipt or when they are available online. To help us prevent fraud, you must tell us immediately by calling us if you do not recognise any transaction shown on your statement or if you think any payment you have authorised has been executed incorrectly. If you do not tell us promptly (at the latest within 13 months of the date the transaction was deducted from your account), you may not be entitled to have any errors corrected.

• If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.
• Law enforcement agencies may access and use this information.
• We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
• Checking details on applications for credit and credit related or other facilities
• Managing credit and credit related accounts or facilities
• Recovering debt
• Checking details on proposals and claims for all types of insurance
• Checking details of job applicants and employees
• Please contact us at ukservice@icicibank.com or call us on 08081 31 41 51 (freephone from UK landline) if you want to receive details of the relevant fraud prevention agencies.
• We and other organisations may access and use information recorded by fraud prevention agencies from other countries.

While reporting fraud you will ensure that the reporting of the fraud and the statement provided by you is true and correct to the best of your knowledge and any false statements or false reporting of the fraud may result in prosecution. The reporting of fraud or any unauthorised transaction will also mean that you consent to provide all assistance to us or Police in regards to investigation of the disputed query. This may include additional information or records required by us or Police. This will also mean that you consent to furnishing the regulatory authorities with verbal and/or written statement which may be necessary if subsequent criminal proceedings take place.

By requesting us to make good the loss reported by you, you consent to the fact that any information related to the investigation of unauthorised transaction/reported fraud can be passed to the retailers, acquiring banks, regulatory authorities, group companies or any other agency involved in the investigation.

• you acting fraudulently, or
• you intentionally or with gross negligence failing to use your card, telephone banking        services and/or Internet banking in accordance with the Terms (including keeping safe     your card, PIN or any other security or personalised details), or
• you intentionally or with gross negligence fail to notify us in accordance with section B,   clause 8 of the loss or theft of any card, PIN, or other security or personalised details.

• If someone else uses your card or someone else knows your PIN before you tell us it has been lost or stolen, the most you will have to pay is £50;
• If someone else uses your card details without your permission and your card has not been lost or stolen, you will not have to pay anything;
• If someone else uses your card details without your permission for a transaction where the cardholder does not need to be present, you will not have to pay anything;
• If your card is used before you have received it, you will not have to pay anything.
• After you have notified us of the loss or theft of your card or security details in accordance with section B, clause 8.

• due to abnormal and unforeseen circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary; or
• where our failure to comply is due to our obligations under law.

• the security of the card, or its suspected unauthorised or fraudulent use; or
• the security of or the suspected unauthorized or fraudulent use of Internet banking.

• if the change is to your advantage, we will tell you about the change personally or by putting notices in our branches within 30 days of the change; and
• If the change is to your disadvantage, by telling you about it through personalized correspondence or putting notices in our branches:
  • at least 30 days in advance of making the change if you have a SuperSaver Bond; and
  • at least two months in advance of making the change if you have any other account.

• if the change is to your advantage, we will tell you about the change personally or by putting notices in the national press or on our Rates and Charge at our branches within 30 days of the change; and
• if the change is to your disadvantage, by giving you at least 60 days advance personal notice.

• if the change is favourable to you.
• following or in anticipation of and to reflect a change in relevant law or regulation or to    reflect a change in industry guidance or code of practice or good banking practice.
• to reflect the making of a relevant recommendation, requirement or decision of any court,   ombudsman, regulator or similar body.
• to reflect the costs or consequences of any event beyond our control that may impact our   provision of accounts, services or facilities to you.
• to make the Terms clearer.
• to reflect any change in our systems and procedures, including any change arising from   any reorganisation of our business as a result of it being acquired by, or by our acquiring   another bank or organisation.
• to reflect any change in the base rate or any rate that replaces it, as set by the Bank of   England or by any Bank that takes over responsibility for setting such a rate (or the   equivalent rate set by the relevant country’s central bank when dealing with foreign   currency).
• to reflect changes or anticipated changes in costs associated with relevant technology,the   costs we pay to others in respect of the product in question, inflation and/or in our costs of   providing accounts, services or facilities.
• to reflect any changes or anticipated changes in money market interest rates or the cost to   us of money we lend.
• to improve the services we provide.
• to reflect our internal policies on competitiveness, market share and/or the profitability of   our business as a whole, where we are not acting dishonestly, for an improper purpose,   in a manner which inappropriately discriminates against a particular customer or as an   unreasonable financial institution would.

Currency- Great British Pounds (GBP) only

Minimum Balance – You will need to maintain a minimum balance of £500 to keep earning the higher rate of interest on your account. You will earn a lower rate of interest on the days when the balance is below £500. Please check our website link http://www.icicibank.co.uk/savings_supersaver.html to check the interest rates offered on the SuperSaver Savings Account.

1. You should have a linked Current Account with ICICI Bank UK PLC
2. You should be at least 18 years old
3. You should submit a valid proof of identity and address and undergo successful checks as per ICICI Bank UK PLC’s policies viz. Anti-Money Laundering Policy

i. Interest Rates are subject to change and may vary from time to time. You may enquire     about the prevailing rates at any of our branches or by calling our free phone number     08081314151.
ii. We will keep you informed about changes in the interest rates on your accounts by     sending you a personal notice within 30 days of the change.
iii. Anytime, if we reduce the interest rate to your disadvantage, we shall give you a 60 days     notice and if you wish, we will also help you switch your account to a Bank of your choice.
iv. Interest is accrued daily on day end cleared balances and paid on the last business day     of each month in your account. This means that interest is compounded monthly.

i. You will be able to transfer funds to your Savings Accounts from any Bank Account
ii. You will be able to transfer funds from your Savings Account only to your linked ICICI Bank     UK PLC Current Account
You may withdraw funds from your SuperSaver Savings Account by providing a written request giving details of where the funds are to be transferred. You may also do it online through the secure channel of internet banking.

i. You will not be provided with a cheque book or Debit Card in respect of this account.     However we will send you periodic statements updating transactions in your account. No     overdraft facility shall be available with respect to such deposits. Therefore the terms     relating to overdrafts shall not apply here.
ii. At least once in a year we will send you a summary of all our savings accounts and their     current interest rates unless your savings account has a balance of less than £500. This     summary will also include:

1. savings accounts that are no longer available; and
2. details of how you can find out about the current interest rates that apply to our savings accounts.

iii. We will also tell you the different interest rates which have been applied to your savings     accounts during the year and any changes in the Bank of England base rate (unless we     have already told you personally about these or if your savings account has a balance of     less than £500).
iv. If you have a variable-rate savings account with £250 or more in it and the interest rate     has fallen significantly compared with the Bank of England base rate, we will contact you     within a reasonable period of time to:

1. tell you that this has happened;
2. tell you about our other savings accounts and offer to help you switch to one of these savings accounts if you want to;
3. tell you that you can withdraw all the money in your savings account; and
4. give you a reasonable period of time to switch to another savings account or withdraw the money without any notice period or charges.

SuperSaver Bond

SuperSaver Bond can only be opened in GBP, with a certain minimum balance and for periods as stipulated by the Bank from time to time.

1. You should have a linked Current Account with ICICI Bank UK PLC
2. You should be at least 18 years old
3. You should submit a valid proof of identity and address and undergo successful checks as per ICICI Bank UK PLC’s policies viz. Anti-Money Laundering Policy

1. Interest on the SuperSaver Bond(s) will be credited to your account at the rate(s) as may be prescribed by the Bank from time to time.
2. Simple interest is paid at the applicable rate for deposits
3. Interest will be paid monthly, quarterly or annually into your linked ICICI Bank current account depending upon the option chosen at the time of account opening.

1. If you have chosen the option as Auto-renewal, then the deposit will be renewed at our prevailing market rates for the corresponding amount and tenure of the deposit as on the date of maturity. Both the principal and accrued interest will be re-invested.
2. If you have not requested us/the Bank to reinvest the funds, or given alternate instructions, then the deposit will become overdue on the next day of the maturity date of the deposit and no interest will be paid thereafter. We/the Bank will inform you if your deposit becomes overdue.

1.3.1 to postpone performance until we are able to perform our obligations; or
1.3.2 to close the account by giving 60 days notice to you.

This agreement shall be governed by and construed in accordance with the English laws and any dispute between you and us shall be subject to the exclusive jurisdiction of the Courts of England and Wales.

• if we are required or permitted to do so by any applicable law, regulation, legal process or governmental request;
• there is a duty to the public to reveal the information;
• our interests mean that we must give the information (for instance, to prevent fraud or for    credit rating); or
• if you ask us to reveal the information, and we have your prior written permission or request.

To prevent crime, to verify your identity and to recover debt, we may exchange information (both within the UK and, where appropriate, overseas) with other companies in our group and, where appropriate, with fraud prevention and debt recovery agencies and other organisations including other lenders.

If you give us false or inaccurate information and we suspect fraud, this will be recorded.

Information held by fraud prevention agencies may be used by lenders and insurers when making decisions about you or others at your address(s) for credit-related services or motor, household, credit, life or any other insurance facilities and for debt tracing, claims assessment and to verify identities to prevent money laundering.

Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agencies. If you borrow and do not repay in full and on time, we may tell credit reference agencies who will record the outstanding debt.

1. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.
2. Law enforcement agencies may access and use this information.
3. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
   • Checking details on applications for credit and credit related or other facilities
   • Managing credit and credit related accounts or facilities
   • Recovering debt
   • Checking details on proposals and claims for all types of insurance
   • Checking details of job applicants and employees
4. Contact us at ukservice@icicibank.com or call us on 08081 31 41 51 (freephone from UK landline) if you want to receive details of the relevant fraud prevention agencies.
5. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

If you want to make a complaint, please contact us promptly:

Write to us at:
Customer Relations,
ICICI Bank UK Plc,
5th Floor Alperton House,
Wembley
HA0 1EH

• Walk in to your nearest ICICI Bank branch and speak to a member of staff.

• Telephone: Customer Relations 24x7 on 08081 31 4151 (freephone from UK landline) to inform us of your concerns.

• Email to: ukcustomerrelations@icicibank.com

We will arrange for the right person to investigate and respond to your concerns.
(You must not send us your Password, or other information you consider confidential,
by e-mail or post).
Within 5 working days of receiving your complaint, we will send you a written acknowledgement. Within 4 weeks, we will write to you again with our final response or to explain why we need more time to respond. If we have not already responded to you, we will send you our final or other response within 8 weeks and will tell you how to take your complaint further if you are still not satisfied.

If you are not happy with the outcome, you may have the right to ask the Financial Ombudsman Service to settle the complaint. You may contact:
The Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall,
London E14 9SR
Phone: 0845 080 1800
Website: www.financial-ombudsman.org.uk
Email: complaint.info@financial-ombudsman.org.uk