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		Egg Pay Account Special Conditions The Egg Pay Account is subject to the following Special Conditions and the terms set out in the Egg Customer Relationship Agreement. 1. You will manage the Egg Pay Account yourself through the Servicing your account part of egg.com. 2. An email payment ('Email Payment') will always be made from your Egg Pay Account. In these conditions 'recipient' means the person to whom you wish to send an Email Payment and 'collect the payment' means the process which the recipient carries out, following completion of security checks, to instruct us to transfer the payment amount to a UK bank or building society. 3. In order to make an Email Payment, you must tell us: the recipient's email address the amount you wish to pay to the recipient; and any further details that we may need to help us carry out security checks; 4. When we have these details, we will: contact the recipient to notify them of the Email Payment; and when the recipient collects the payment we will carry out security 5. Once we have obtained confirmation from the recipient to proceed with the Email Payment, we will debit the Email Payment from your Egg Pay Account and send it electronically to the recipient's account. We can only make the payment if there are sufficient funds in your Egg Pay Account at the time the recipient collects the payment 6. It will usually take a minimum of three working days, from the date the recipient collects the payment, for the Email Payment amount to be transferred to the recipient's account. 7. The maximum Email Payment you may make is £200 (or such other amount as we may notify to you from time to time). 8.1 You may ask us to stop an email payment by telephoning us or from the secure area of our website, but we can only stop the payment if the recipient has not collected the payment. If you stop a payment or if the recipient fails security checks, the funds for the payment will remain in your Egg Pay Account. We will tell you if the recipient fails security checks. 8.2 If the recipient has not collected the email payment within six months from the date that we contacted the recipient to notify them of the email payment, then we will cancel your email payment request. We will also tell you and the recipient by email that we have done this. The money used to set up the payment will stay in your Egg Pay Account until you transfer it elsewhere or use it to make another payment). 9. In addition to making an Email Payment you may withdraw any amount a day from your Egg Pay Account provided you have cleared funds by asking us to make a transfer to a UK bank or building society account (which you give us details of). You may also make withdrawals by way of a transfer to an Egg Savings Account. Withdrawals by telephone, post or cheque are not available on your Egg Pay Account. 10. Interest is earned annually on your savings and will be paid into the Egg Pay Account on each anniversary of the date on which you open your Egg Pay Account. The interest rate can be found on the Egg Pay Account pages on egg.com. 11. You can check your balance online and see the last twelve months transactions on your account at any time online. 12. The Egg Pay Account can only be held by one account holder who is aged 18 or over .You cannot hold more than one Egg Pay Account at any one time. 13. We may introduce a charge for the Email Payment service at any time. 14. If we have good reason for so doing, we may, without notice, cancel or suspend your right to use the Email Payment service at any time. We may in any event, cease to provide the service on reasonable notice, not being less than one month's notice. 15. There may be occasions from time to time usually during the early hours of the morning when there may be a delay of a few hours between sending the email to the recipient and transferring funds from your debit card or Egg Savings Account into your Egg Pay Account. 16. The following condition applies to a payment transfer ("external account transfer") between accounts held with other UK banks or building societies ("external accounts"). 16.1 As an Egg Pay Account customer you can instruct us to make an external account transfer between external accounts. You must be an account holder of the external account from which the external account transfer is made (it can be either a sole or joint account). You can be an account holder of the external account to which the external account transfer is made or this can be held by another person. 16.2 You can only take money out of the external account using a debit card provided with that external account. You can only transfer money to an external account which accepts BACS payments. 16.3 We can only make an external account transfer on instructions you give us by Internet, subject to any withdrawal limits or other requirements of your external account provider, as long as we have checked your identity from the security information and passwords given to us, and even if you have failed to keep your security details and passwords secret and the instruction was given by someone else using your security information and passwords. 16.4 Normally we will act on your instructions to make an external account transfer within 24 hours. 16.5 Instructions to make an external account transfer cannot be cancelled. 16.6 If the debit card payment transfer from your external account fails, then we will not make the BACS payment transfer to the external account. If the BACS transfer fails then we shall return the amount of your debit card payment to your Egg Pay Account. 16.7 It will usually take a minimum of three to four working days from the date we receive your instructions for the payment amount to be transferred to the external account you have told us to make the transfer to.