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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 Card
For new applications made between 1 November 2009 and 30 November 2009 we will charge interest:
- on Purchases put on the Account by 1 February 2010 at an annual rate of 0% fixed until 1 February 2010, and thereafter at a standard variable annual rate of 16.9% or 19.9%;
- on Transferred Balances put on the Account by 1 February 2010 at an annual rate of 0% fixed until 1 December 2010, and thereafter at a standard variable annual rate of 16.9% or 19.9%;
- on Cash Advances at a standard variable annual rate of 22.9% 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 made from an ATM there is a 3% handling fee (minimum fee of £5). For Non-ATM Cash Advances there is a 3% handling fee (minimum fee of £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.
For purchases made after 1 February 2010 and balance transfers made after 1 February 2010, the interest rate will be the standard variable annual rate current at that time. All rates and fees are correct as at 1 November 2009.
Repayments are monthly with a minimum payment of the full outstanding balance if it is less than £5, otherwise the greater of £5, 2% of the Revolving Balance, or the total of (i) any interest billed on the statement on the Revolving Balance, (ii) 1% of the Revolving Balance, (iii) any Card Repayment Protection Premium and (iv) billed fees for late or returned payments shown on the statement, plus for each Transferred Balance (during the promotional rate period), the full balance if less than £5, otherwise the greater of £5, 2% of the Transferred Balance, or the total of (i) interest billed on the statement on the Transferred Balance and (ii) 1% of the Transferred Balance.
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 Money
Egg Money is a credit card and is issued subject to status by Egg Banking plc. 17.8% APR variable is our typical APR but depending on your personal circumstances you may receive a rate of 22.8% APR variable. The APR is derived from the applicable standard variable annual rate for purchases, plus the £1 monthly fee. Rates subject to variation and correct as at 1 November 2009.
Repayments are monthly with a minimum payment of the full outstanding balance if it is less than £5, otherwise the greater of £5, 2% or the Revolving Balance, or the total of (i) any interest billed on the statement on the Revolving Balance, (ii) 1% of the Revolving Balance, (iii) any Card Repayment Protection Premium and (iv) billed fees for late or returned payments shown on the statement, plus for each Transferred Balance on which interest is being charged at an introductory or promotonal rate, the full balance if less than £5, otherwise the greater of £5, 2% of the Transferrd Balance, or the total of (i) interest billed on the statement on the Transferred Balance and (ii) 1% of the Transferred Balance.
We offer credit limits from £500. Maximum credit limit subject to status.
Egg charges a cash handling fee of 3% (£3.00 min). 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. Egg charges a £1 monthly fee on this account. There is a balance transfer fee of 3% (or less if we tell you so).
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 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 (subject to status) to UK residents (excluding the Channel Islands and the Isle of Man) who have regular internet access and are agred 18 years and over. Further details are available on request. Egg Money is 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.
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Egg Loans
Calls to Egg will be recorded and/or monitored. Egg is the trading style of Egg Banking plc. Egg Banking plc is licensed by the Office of Fair Trading to supply credit. Our licence number is 410357. For all other activities, Egg Banking plc is authorised and regulated by the Financial Services Authority (FSA) and is entered in the FSA register under number 205621. Egg Banking plc is registered in England and Wales. Registered Office: Citigroup Centre, Canada Square, London E14 5LB, registered number 2999842.
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 15 September 2009. The minimum deposit is £1. The gross rate is the contractual rate before deduction of tax at the rate specified by law. AER means the Annual Equivalent Rate and is a notional rate which illustrates the contractual interest rate as if paid and compounded on an annual basis.
For withdrawals, we will pay money into a nominated bank account via BACS in three business days if we receive the request before 6pm on a business day. Otherwise it will take four business days to clear. There's no charge for a BACS transfer. If you request a CHAPS transfer before 2pm on a business day, the payment will be received by your external account that day, otherwise it will be received on the next business day. There is an additional £25 charge for CHAPS.
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 for training and service quality purposes. Egg Banking plc is licensed by the Office of Fair Trading to supply credit. Our licence number is 410357. For all other activities we are authorised and regulated by the Financial Services Authority. Our FSA reference number is 205621. Registered in England 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 2
The Egg Cash ISA 2 is a cash ISA and is provided by Egg Banking plc. Interest rates are variable and correct as at 12 March 2009. 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 means the Annual Equivalent Rate and is a notional rate which illustrates the contractual interest rate as if paid and compounded on an annual basis. For withdrawals, we will pay money into a nominated bank account via BACS in three business days if we receive the request before 6pm on a business day. Otherwise, it will take four business days to clear. There's no charge for a BACS transfer. If you request a CHAPS transfer before 2pm on a business day, the payment will be received by your external account that day, otherwise it will be received on the next business day. There is an additional £25 charge for CHAPS. 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 2. Transfers in from other ISA providers are not accepted. The initial payment you make to open your Egg Cash ISA 2 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 is licensed by the Office of Fair Trading to supply credit. Our licence number is 410357. For all other activities we are authorised and regulated by the Financial Services Authority. Our FSA reference number is 205621. Registered in England 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 01 December 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 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 6 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
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 is authorised and regulated by the Financial Services Authority. 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 Travel Insurance is sold by Egg Banking plc and underwritten by ACE European Group Limited. Registered office: ACE Building, 100 Leadenhall Street, London EC3A 3BP. Registered in England Number 1112892. Authorised and regulated by the Financial Services Authority. FSA registration number 202803.
Home Insurance
Egg Home Insurance is underwritten and provided by AXA Insurance UK plc. Registered in England 78950. Registered office: 5 Old Broad Street, London, EC2N 1AD. A member of the AXA group of companies. AXA insurance UK plc is authorised and regulated by the Financial Services Authority. Telephone calls are 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 the trading style of Egg Banking plc. Egg Banking plc. Registered Office: Citigroup Centre, Canada Square, London E14 5LB. Registered in England Number 2999842. Authorised and regulated by the Financial Services Authority. FSA registration number 205621.
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, the Egg Cash ISA 2, Egg Card (a credit card), Egg Money, Egg Loans, Egg Mortgages and Egg Money Manager.
Egg Banking plc is licensed by the Office of Fair Trading to supply credit. Our license number is 410357. For all other activities we are authorised and regulated by the Financial Services Authority. FSA reference number 205621. Registered in England Number. 2999842. Registered Office: Citigroup Centre, Canada Square, London E14 5LB.
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 £50,000 of a depositor's total deposits with Egg Banking plc. Details of the Financial Services Compensation Scheme are available on request.
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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