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This is the part of our website where you'll find legal information you need to know about us and our products and services. This consists of information that we're legally obliged to make available to new customers about the product offers you see on our website, as well as the terms and conditions which apply to your use of this site.
You can find further information including the benefits of our products and frequently asked questions in the product specific areas of our website.
Egg Money
Egg Money is a credit card and is issued subject to status by Egg Banking plc. When you borrow, 7.9% APR variable is our typical APR but depending on your personal circumstances you may receive a rate of 16.9% APR variable. Repayments of amounts borrowed are monthly, with a minimum payment of the full outstanding balance if it is less than £5, but otherwise the greater of (1) £5 or (2) 2% of the Revolving Balance or (3) interest plus repayment protection premium; plus for Transferred Balances made during any promotional periods the greater of (1) £5 or (2) 2% of the Transferred Balance. Other charges are £2 for paper statements and payments made by cheque. A variable amount will be charged for other non-standard services provided. We offer credit limits from £500. Maximum credit limit subject to status.
When you have a positive balance you will earn interest at the rate of 4% gross pa/ AER variable. The gross rate is the contractual rate before deduction of tax at the rate specified by law. AER is the Annual Equivalent Rate (contractual rate when paid and compounded each year). Interest on positive balances is paid daily and shown in your account on your monthly statement date. Instant access to money via ATMs - Egg charges no fees for cash withdrawals but some ATM providers may charge a fee. Withdrawals can also be made to a nominated bank account held by you or an additional cardholder via BACS within up to four business days. No interest charged for withdrawals whilst account has positive balance.
Rates subject to variation and correct as at 1 December 2006.
At least 1% cash back is paid on all purchases. Cash back is paid on purchases up to a maximum of £200 of cash back in each 12 month statement period commencing with the March statement each year up to and including the February statement the following year. Where an instant cash back applies, 1% cash back on the purchase will be paid as above in March 2007 and the remaining 1%, plus the instant cash back set out in the offer, will be paid into your Egg Money account at the same time as the purchase is put on the account, or shortly after. There is no maximum amount for instant cash back.
An optional text message service is available.
Telephone calls may be recorded and/or monitored. Egg Money is available to UK residents (excluding the Channel Islands and the Isle of Man) who have regular Internet access and are aged 18 years and over. Further details are available on request. Egg Banking plc is a member of the Financial Services Compensation Scheme. Egg Banking plc is authorised and regulated by the Financial Services Authority. Egg Banking plc (registered number 2999842) is registered in England and Wales. Registered Office: Citigroup Centre, Canada Square, London E14 5LB.
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Egg Card
Egg Card interest rates are 0% fixed
- on Purchases put on the Account until 1 October 2008 at a monthly rate of 0% fixed until 1 October 2008, and thereafter at a standard variable annual rate of 16.9% or 19.9%;
- on Transferred Balances put on the Account until 1 October 2008 at an annual rate of 0% fixed until 1 September 2009, and thereafter at a standard variable annual rate of 16.9% or 19.9%;
- on Cash Advances at a standard variable annual rate of 24.9% if your APR is 16.9% (variable), 25.9% if your APR is 19.9% (variable); and
- otherwise, at a standard variable annual rate of 16.9% or 19.9%
Introductory or promotional rates are subject to you making your required monthly payments on time and keeping within your credit limit. If you fail to do so, we may charge the standard variable annual rate for the relevant transactions instead of the introductory or promotional rate.
For cash advances there is a 3% handling fee (minimum £3). A 3% handling fee is payable for each balance transfer completed during an introductory rate offer period. A handling fee is payable for each balance transfer completed during a Special Promotion period. We will tell you what the fee is when we tell you of the availability of the Special Promotion. The current fee for anniversary offer balance transfers is 2.5%.
For purchases made after 1 October 2008 and balance transfers made after 1 October 2008, the interest rate will be the standard variable annual rate current at that time. All rates and fees are correct as at 1 July 2008. The rates that you get will depend on the information you supply and we obtain about your personal circumstances including your credit history.
Repayments are monthly, with a minimum payment of the full outstanding balance if less than £5, but otherwise the greater of (1) £5 or (2) 2% of the Revolving Balance or (3) interest plus repayment protection premium; plus £5 or 2% of each Transferred Balance. Other charges are £2 for paper statements. A variable amount will be charged for other non-standard services provided.
We offer credit limits from £500. Maximum credit limit subject to status.
Telephone calls may be recorded and/or monitored. Egg Cards are available (subject to status) to UK residents (excluding the Channel Islands and the Isle of Man) who have regular internet access and are aged 18 years and over. Further details are available on request. Egg Cards are issued by Egg Banking plc. Egg Banking plc (Registered number 2999842) is registered in England and Wales and is authorised and regulated by the Financial Services Authority. Registered office: Citigroup Centre, Canada Square, London E14 5LB. Egg Banking plc only sells Card Repayment Protection insurance underwritten by St. Andrew's Insurance plc and Prudential Assurance Company Limited which are authorised and regulated by the Financial Services Authority.
To read the full terms and conditions for Egg Card, see the Small print.
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Egg Loans
There is a two stage application process for Egg Loans. First, we will quote you a personalised rate for the loan you are considering applying for. The search that we do to enable us to decide on your rate for that loan will not be taken into account by lenders when making credit decisions. If you then decide to apply for that loan, we will carry out a full credit assessment including searches which may be taken into account by lenders when making credit decisions. If your application is successful, the quoted rate will apply. As this rate is specific to the loan you applied for, different rates may apply to loans for different amounts or periods.
Egg Banking plc only sells Loan Repayment Protection insurance underwritten by St. Andrew's Insurance plc, St Andrew's Assurance plc and Prudential Assurance Company Limited which are authorised and regulated by the Financial Services Authority. Full details of the insurance will be available when you apply. Calls to Egg will be recorded and/or monitored. Credit is available to UK residents, excluding the Channel Islands and Isle of Man, aged 18 years and over, subject to status and conditions. Egg Loans are not available to joint applicants. Egg Loans cannot be used for bridging finance, home purchase deposits, timeshares, business or illegal purposes. Egg Banking plc is registered in England and Wales (reg no 2999842). Registered office: Citigroup Centre, Canada Square, London E14 5LB.
To read the general terms and conditions for Egg Loans, see the Small print.
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Egg Savings Accounts are provided by Egg Banking plc.
Interest rates are variable (unless otherwise stated) and correct as at 8 May 2008. The minimum deposit is £1. The gross rate is the contractual rate before deduction of tax at the rate specified by law. AER is the Annual Equivalent Rate (contractual rate when paid and compounded each year).
For withdrawals, we will pay money into a nominated bank account via BACS within three to four business days, by CHAPS on the same business day (if advised before 2pm) and into an Egg Savings Account on the same day (even at weekends).
Interest can be paid monthly or annually. With the Egg Savings Account (Internet) introductory rate offer, interest earned during the first twelve months from the date the account is opened will be paid at the end of the twelve month period.
Telephone calls may be recorded and/or monitored. Egg Banking plc is a member of the Financial Services Compensation Scheme. Egg Banking plc is registered in England and Wales. Registered number: 2999842. Registered office: Citigroup Centre, Canada Square, London E14 5LB.
To read the full terms and conditions for Egg Savings Accounts, see the Small print.
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Egg Cash ISA
The Egg Cash ISA is a cash ISA and is provided by Egg Banking plc. Interest rates are variable and correct as at 11 April 2008. Interest is paid gross free of income tax. The favourable tax treatment may not be maintained as the government are responsible for the tax treatment of cash ISAs and the legislation and practice may change. The minimum deposit is £1 and the maximum deposit in each tax year is £3,600. The gross rate is the contractual rate before deduction of tax at the rate specified by law. AER is the Annual Equivalent Rate (contractual rate when paid and compounded each year). For withdrawals, we will pay money into a nominated bank account via BACS within three to four business days, by CHAPS on the same business day (if advised before 2pm) and into an Egg Savings Account on the same day (even at weekends). The minimum withdrawal is £1. Interest is paid annually on the anniversary of the opening date of the Account. Accounts are available to those aged 16 and over who are resident and ordinarily resident in the United Kingdom (excluding the Channel Islands and Isle of Man) for tax purposes who have a permanent National Insurance number, and who have internet access and an email address. Applications can only be made via www.egg.com. You cannot subscribe to another cash ISA in the same Tax Year that you subscribe to the Egg Cash ISA. We guarantee that until 5 April 2009 the ISA interest rate will not be less than the Bank of England Base Rate, except for the period between the date when the change in Base Rate is announced and the date we change the interest rate - this period will not be more than 30 days after the Base Rate change. Transfers in from other ISA providers are not accepted. The initial payment you make to open your Egg Cash ISA must be made by debit card or from an Egg Savings Account and subsequent payments can also be made either from an Egg Savings Account, by Direct Debit, BACS, Faster Payments or CHAPS. Terms and conditions apply.
Telephone calls may be recorded and/or monitored. Egg Banking plc is a member of the Financial Services Compensation Scheme and subscribes to the Banking Code, and is authorised and regulated by the Financial Services Authority. Egg Banking plc is registered in England and Wales. Registered number: 2999842. Registered office: Citigroup Centre, Canada Square, London E14 5LB.
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Egg Mortgages are issued, subject to status, by Egg Banking plc.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Calls to Egg may be recorded and/or monitored. All mortgages are subject to Egg's lending policy and are available to UK residents aged 18 years and over subject to status and conditions. Egg Mortgages are not available in the Channel Islands or the Isle of Man and are subject to a first charge on the property lent against.
All rates and product terms correct as at 06 June 2008, are subject to variation and may be withdrawn at any time without notice.
Egg Banking plc is authorised and regulated by the Financial Services Authority. Egg Banking plc (registered number 2999842) is registered in England and Wales. Registered Office: Citigroup Centre, Canada Square, London E14 5LB.
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Egg Pay To send an email payment you must have an Egg Pay Account. Egg Pay Accounts are provided by Egg Banking plc.
Email payments (min £1, max £200) are withdrawn from your Egg Pay Account and once the recipient has instructed us where to deposit the money, are paid into their nominated UK bank or building society account via BACS within three to four working days. Other withdrawals are paid directly to a nominated UK bank or building society account via BACS within three to four working days, by CHAPS on the same working day (if advised before 2pm) and into an Egg Savings Account on the same day (even at weekends).
To make a payment between external accounts, the withdrawal must be made by debit card and the payment can only be transferred to an account which accepts BACS payments. Transfers take a minimum of three working days. Interest is paid annually. The Egg Pay Account is serviced online. Interest rates are variable and correct as at 11 April 2008. The gross rate is the contractual rate before deduction of tax at the rate specified by law. AER is the Annual Equivalent Rate (contractual rate when paid and compounded each year)
Telephone calls may be recorded and/or monitored. Egg Banking plc is a member of the Financial Services Compensation Scheme and subscribes to the Banking Code, and is authorised and regulated by the Financial Services Authority. Egg Banking plc is registered in England and Wales. Registered number: 2999842. Registered office: Citigroup Centre, Canada Square, London E14 5LB.
To read the full terms and conditions for Egg Pay, see the Small print.
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Egg Money Manager Egg Money Manager is provided by Egg Banking plc. This product is not regulated by the FSA. Egg Money Manager is only available to holders of selected Egg products. Conditions apply. Egg Money Manager requires a PC or Apple Macintosh computer running a Windows operating system (OS) with Internet Explorer version 5.0 or higher. Access is not available to all online financial accounts.
Egg Banking plc is registered in England and Wales. Registered number: 2999842. Registered office: Citigroup Centre, Canada Square, London E14 5LB.
To read the full terms and conditions for Egg Money Manager, see the Small print.
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Egg Insurance Egg is a trading name of the Egg group of companies of which Egg Financial Intermediation Ltd (registered number 3828289) is a member. Egg Insurance is provided by Egg Financial Intermediation Ltd and is authorised and regulated by the Financial Services Authority. Egg Financial Intermediation Ltd is registered in England and Wales. Registered office: Citigroup Centre, Canada Square, London E14 5LB.
You can find the full policy wording for each of the following Egg Insurance products by using the links found on the product quote pages.
Motor Insurance
Egg Motor Insurance is underwritten by UK Insurance Limited Registered office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered no. 1179980. UK Insurance Limited are authorised and regulated by the Financial Services Authority. Conditions apply. Calls may be recorded.
Egg Rescue is provided in conjunction with Green Flag Motoring Assistance and underwritten by UK Insurance Limited, which is authorised and regulated by the Financial Services Authority. Conditions apply. Calls may be recorded.
Travel Insurance
Egg Insurance only offers the travel insurance products of AXA Insurance UK plc, registered office: 5 Old Broad Street, London EC2N 1AD, registered in England: no 78950, authorised and regulated by the Financial Services Authority. Actual prices may differ according to individual circumstances. Calls may be recorded.
Home Insurance
Egg Insurance only offers the household insurance products of AXA Insurance UK plc, registered office: 5 Old Broad Street, London EC2N 1AD, registered in England: no 78950, authorised and regulated by the Financial Services Authority. Telephone calls may be recorded and monitored.
Egg Emergency Cover
Egg Emergency Cover is provided by Card Protection Plan Limited as agent for the insurer, ACE European Group Limited. Card Protection Plan Limited, registered office: Holgate Park, York YO26 4GA. Registered in England number:1490503. Authorised and regulated by the Financial Services Authority. Conditions apply. Telephone calls may be recorded and monitored.
Egg is a trading name of the Egg group of companies of which Egg Financial Intermediation Ltd (registered number 3828289) is a member. Egg Financial Intermediation Ltd is authorised and regulated by the Financial Services Authority. Egg Financial Intermediation Ltd is registered in England and Wales. Registered office: Citigroup Centre, Canada Square, London E14 5LB.
Website terms of use These terms should be read carefully. Access to this website is on the basis that you agree to these terms.
1. Our services and products on this website (www.egg.com) are intended for customers in the United Kingdom. Accessing these services from outside the United Kingdom may be against the law in the country concerned. Products and services featured on the website do not amount to an invitation to customers outside the United Kingdom to purchase these products.
2. The website and these terms are governed by the law of England and Wales.
3. We try to ensure that our website is available for access 24 hours a day, 7 days a week. However it may, on occasions be necessary to close or suspend provision of any of the services on the website for the purposes of repair, maintenance or development. Access to the website or operation of any of the services may be interrupted by circumstances beyond our control.
4. Egg takes care to ensure that the contents of this website are as clear, accurate and as easy to use as possible, but cannot accept responsibility (to the extent permitted by law) for any interruption or delay in access to the website of for any inaccuracies, incompleteness of information, errors or omissions in respect of information on our website or on any to which our website may be linked. The information is subject to change at any time without notice and Egg does not warrant that any of the products or services mentioned on the website are available. No warranty is given as to the freedom of this website from errors, defects or viruses.
5. Parts of our website are provided by third parties. We try to ensure that our sources of information are reputable and that they take due care in preparing the information. However, we do not verify the information ourselves, and we do not guarantee that it is correct. We are also not responsible for any information on this site or any site linked to this site which is being marketed by a third party. Links to the Egg website are not permitted without Egg's prior written consent.
6. This site and the material and brands on it are the intellectual property of members of the Egg Group, and all resulting rights are reserved.
Copyright Egg Banking plc.
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Egg companies
Details of the relevant Egg companies offering products and services on this site, and a brief description of what products and services they provide are set out below:
Egg Banking plc (registered number 2999842), provides Egg's banking products, the Egg Savings Account, Egg Cash ISA and Egg Pay, Egg Card (a credit card), Egg Money, Egg Loans, Egg Mortgages and Egg Money Manager.
Egg Banking plc is a bank and is authorised and regulated by the Financial Services Authority. Egg Banking plc is entered in the Financial Services Authority register under number 205621. Egg Banking plc subscribes to the Banking Code. A copy of the Banking Code is available on request. Please click here to see a full copy of the Banking Code.
Egg Banking plc is a member of the Financial Ombudsman Scheme, and the Financial Services Compensation Scheme which was established under the Financial Services and Markets Act 2000. Payments under the Scheme are limited to 100% of the first £35,000 of a depositor's total deposits with Egg Banking plc. Details of the Scheme are available on request.
Egg Financial Intermediation Limited (registered number 3828289) trading as Egg Insurance, offers a range of insurance products and is authorised and regulated by the Financial Services Authority. Egg Financial Intermediation Limited is entered in the Financial Services Authority register under number 309551.
All of these companies are registered in England and Wales and the registered office for each of them is: Citigroup Centre, Canada Square, London E14 5LB.
Citibank - Egg Banking plc is introducing a range of products provided by Citibank International plc. Citibank International plc is authorised and regulated by the Financial Services Authority. FSA reference number 122342. Registered in England number 1088249. Registered Office: Citigroup Centre, Canada Square, London E14 5LB. VAT Number: GB 429 6256 29. Ultimately owned by Citigroup Inc. New York USA.
Citi is a trading name of Citibank International plc in the UK.
Citi and Citigold are registered service marks of Citibank, N.A. or Citicorp.
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