Paper-free

Paper-free, or paperless, is a way to receive electronic statements and/or correspondence for eligible Credit Cards, Personal Loans, Current Accounts and Savings Accounts.

It's the secure and convenient way to cut down on your filing and find the information you need in one central place – to view, download and print whenever you need to.

Here's why you should go paper-free:

Download and access your Credit Card, Personal Loans, Current Accounts and Savings Accounts statements safely and securely online.
Quickly and easily search your Current Account, Savings Account, Credit Card and Personal Loans transactions by date or payment type.
Cut down on paper because we'll not print and post every statement automatically.
You can still order paper copies of your Savings Account, Current Account and Personal Loans statements in just a few clicks. Getting paper copies of your Savings Account and Current Account statements is free. The first paper copy of Personal Loans statement is free for paper-free customers. But for Credit Cards, there's a charge for it.
If you don't choose to go paper-free, you'll still receive paper copies.

1.

Eligible accounts

There are some accounts including ISAs and Web Savers (including fixed) where you cannot opt out of receiving paper statements. When you log into Internet Banking you can select eligible accounts to go paperless.
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2.

How to switch to paper-free

On Desktop

Step 1

Log in to Internet Banking

Step 2

At the Account Overview page select ‘Your Profile’

Step 3

Select ‘Turn on paperless statements’

Step 4

Follow the on-screen instructions to go paper-free on all your eligible accounts

On the App

Step 1

Log in to your Internet Banking App

Step 2

At the Account Overview page select “More”

Step 3

Select “Settings and Info”, then “How we contact you”, then “Online and paper preferences”

Step 4

Follow the on-screen instructions to go paper-free on all your eligible accounts

There are some accounts which aren’t eligible to go paper-free.
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3.

Requesting a paper copy of your statement

You can request paper statements if you need them. Getting paper copies of your Savings Account and Current Account statements is free. If you've suppressed your paper statements for Personal loans, and have not previously received the specific statement you're requesting, there'll be no charge for this. But for Credit Cards, there's a charge.

If a holder of a joint account selects to go paper-free, no paper documents will be sent to either of the account holders.

Your new settings will be updated within 36 hours. If any documents are pending dispatch, these will be sent as normal by post. Future statements will then be paper-free.
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4.
Viewing / printing your statements

It is now even easier to print your online statements:
- You can view, download and print a copy of your paper statement in PDF format for your Personal Current Accounts and Savings Accounts from your Digital Inbox.
- Your Credit Card and Personal Loans statements are also available in PDF format from your account statement page, allowing you to easily download and print whenever you want.
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5.

Switching between paper-free and postal delivery

You can manage your paper-free and postal settings for statements and correspondence by logging in to Internet Banking.

From 'Your accounts', select 'Manage online and paper preferences' from the 'Your account tools' section on the right hand side of the page. Select 'view preferences' and follow the on screen instructions.

Please note – for Personal Current Accounts and Savings Accounts you can only reinstate or opt out of paper statements four times in a 12 month period. These restrictions do not apply to other accounts eligible for paperless.
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6.

Money management software

Your online list of transactions is compatible with spreadsheet software which accepts the .csv file format, for example Microsoft Excel.

For more information about these, visit
www.microsoft.com/excel/.

To import your list of transactions into the above software packages, select the account from which you want to download your information.

At the bottom of the page, select a date from the drop down menu that corresponds with the period of transaction information you're interested in.

Once the relevant information is displayed, scroll to the bottom of the page and select 'Export'.
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7.

Receiving correspondence to your online inbox

You can now receive some correspondence for your current, Savings and Credit Card Accounts to your Digital Inbox. You'll still receive a paper copy unless you opt into paper-free, and the online version will look exactly the same as the correspondence you receive in the post.

If you choose to go paper-free we’ll stop sending certain letters by post and send you an email when you receive a new item in your Digital Inbox. You can switch back to paper correspondence for some or all of your eligible accounts at any time.

We’ll never change any documents held in your Internet Banking Digital Inbox or your personal account area after we’ve sent them. These documents cannot be deleted as we want them to be accessible whenever you need them, however you will be able to move them to the Archive.
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8.

How far back can I access statements?

Current Accounts and Savings Accounts

You can access your account statements in PDF format from your Digital Inbox going back to January 2018.

You can access your Current Account and Savings Account transactions from 2005.

Credit Cards

You can view your latest statements as well as historical statements back to November 2012.

Personal Loans

You can view your latest statements as well as historical statements back to April 2014.
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9.

How will I view paper-free statements?

Personal Current Account or Savings Account

You can view your account statement online at any time by logging on to Internet Banking. Your statement will be displayed as a PDF document in your Digital Inbox, which you can access via the Account Overview page.

You can also view your transactions from your statement page by using the 'Statement Options' dropdown at the top of the statement page.

Credit Card or a Personal Loans

You can view your statement online at any time by logging in to Internet Banking. You can use the online search function to view, download or print your statements. Your account statements will be displayed as PDF (Portable Document Format) files.
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10.

How will I view paper-free correspondence?

Personal Current Accounts/ Personal Loans/ Savings Accounts/ Credit Cards

You can view your correspondence online at any time by logging in to Internet Banking. Your correspondence will be displayed as PDF documents in your Digital Inbox, which you can access by going to the 'Account Overview' page. You can use your Digital Inbox to view, organise and print selected correspondence.
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11.
If I choose paper-free statements or correspondence what other documents will I receive online?

Personal Current Accounts and Savings Accounts statements

We will provide the following documents in PDF format to your Digital Inbox:
- Statement of fees (current accounts only)
- Annual summaries (savings accounts only)
- Annual interest summaries
- Historical fees and interest rate documents
Personal Current Accounts and Savings correspondence

The correspondence we send will also include changes to your account terms and conditions, overdraft agreements and other letters about any overdraft you may have.

If you are paper-free for correspondence only, you will receive postal copies of your historical fees and interest rates documents. We will provide the following documents in PDF format to your Digital Inbox:
- Statement of fees (current accounts only)
- Annual summaries (savings accounts only)
- Annual interest summaries
Personal Loans statements

If you choose paper-free statements you’ll receive your annual statements as PDF documents in your personal account area.

Personal Loans correspondence

You'll receive Notices of Sums in Arrears online as PDF documents in your Digital Inbox.

Credit Card statements

You’ll receive your statements as PDF documents in your personal account area, this will include documents that we normally send as part of your paper statements, such as certain Notices of Variation, Notices of Default Sums and Notices of Sums in Arrears.

Credit Card correspondence

We will send the following correspondence to your Digital Inbox:
- Larger Notices of Variation.
- Updates to charges and fees.
- Certain other letters about your account.
You’ll continue to receive some documents and information by post, such as annual statements or any arrears notices.
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Access your statement online