Page 1 of 4 11 August 2023

MISS C J HEPBURN Statement No. 36

7 SHEPHERDS CROOK Branch KIRKCALDY MITCHELS
LEVEN Sort Code 80-47-68
FIFE yPVPYQvxuVVxywTYVPWZxVZV
Account No 11815962
KY8 4FZ jQ0lEDEIh7JCZIzUy8XksmTa
niHSN9yECyhTnTNj3s49a9Mp IBAN GB45 BOFS 8047 6811 8159 62
y6oGhzHkYTvak5Bg9n1xrlda
jNjFgTv37FkrkRVCScqp900T
zzzzzzzzzzzzzzzzzzzzzzzz BIC BOFSGBS1160
Banking Helpline 0345 721 3141

www.bankofscotland.co.uk

UNDER 19'S ACCOUNT 13 July 2023 to 11 August 2023

Your Account
Date of previous statement 12 July 2023
Balance on 13 Jul 2023 £1.07
Money in £222.50
Money out £195.71
Balance on 11 Aug 2023 £27.86
Credit interest £0.00

Your Interest Rates Fees Explained

Balances of AER% Gross p.a.% Other fees for special services and details of all other fees and
charges for personal customers are detailed in either the Banking
£2,500.00+ 0.00 0.00
Charges guide; the Reward payments, interest and account fees
£1.00+ 0.50 0.50 leaflet; or the Price List (Private Banking), depending upon which
type of account you have.
AER is the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and
compounded once each year.
From 6th April 2016 your non ISA interest is paid gross, this means that we will not deduct tax automatically
from your interest. Depending on your personal circumstances tax may be due on the interest and it is your
responsibility to disclose and pay any tax due directly to HM Revenue and Customs (HMRC).

Bank of Scotland plc. Registered office: The Mound, Edinburgh, EH1 1YZ. Registered in Scotland, no. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority under number 169628.
Things you need to know
Getting in touch
Write to us: Bank of Scotland,
, PO Box 23581, Edinburgh,
EH1 1WH
i Visit us in branch
v Go online:
bankofscotland.co.uk/contactus T Call: 0345 721 3141
8am-8pm, 7 days a week

Ways to manage your account About the fees we charge if you use your card abroad
Keep track of what's going in and coming out of your account at any time using: If you use your debit card to withdraw cash or make a payment, in a currency other
• Internet Banking - View and manage your accounts online - 24 hours a day, than pounds, the amount is converted to pounds on the day it is processed by Visa
7 days a week. Register at bankofscotland.co.uk/internetbanking using the Visa Payment Scheme exchange rate on that day. We will charge a foreign
• Mobile Banking - Manage your account on the go with your mobile phone currency transaction fee of 2.99% of the value of each transaction. This is a fee for
or tablet - 24 hours a day, 7 days a week. Download our app from Google currency conversion.
Play or the App Store.
• Telephone Banking - Our automated service is available 24/7, or you can If you use your card to make a purchase or other transaction (not cash withdrawal) in
talk to us between 8am and 8pm, 7 days a week. Not all services are a currency other than pounds, whether in person or by internet or phone, we will
available 24 hours a day, 7 days a week. also charge a £0.50 foreign currency purchase fee. The foreign currency purchase
• Text Alerts - We can also send you mobile alerts. Alerts can help you fee does not apply to Platinum or Premier debit cards; or if your payment is made in
manage your money and avoid charges. They remind you when you need euro within the EEA or UK.
to pay cleared funds into your account. They can also help you avoid going If you use your debit card to withdraw cash in a currency other than pounds (at a
into an unarranged overdraft or having payments refused. Unless you’ve cash machine or over the counter) we will also charge a foreign currency cash fee of
opted out, you’ll automatically receive alerts provided we have an up to £1.50. Where you elect to allow the cash machine operator/financial service
date mobile number for you. provider to make the conversion to pounds we will only charge a foreign cash fee of
Find out more at bankofscotland.co.uk/mobilealerts. £1.50. We won’t charge a foreign currency cash fee or a foreign cash fee if you:
Overdrafts - choosing the right way to borrow withdraw euro within the EEA or UK; or withdraw euro from outside the EEA or UK
An arranged overdraft can help out when you need to borrow in the short term. and the cash machine operator’s payment service provider is based in the EEA or
For example to pay an unexpected bill. But if you use it often and don’t reduce UK. The provider of the foreign currency may make a separate charge for
your balance, it can turn into an expensive way to borrow. Our cost calculator, conversion.
which you can find online at bankofscotland.co.uk/overdrafts tells you how Cashpoint® Card Fee
much an arranged overdraft costs. You should consider if an arranged overdraft When you use your Cashpoint® card to make a cash withdrawal (at a cash machine
facility is the most suitable option for you to borrow money. If you need to or over the counter), in a currency other than pounds, the amount is converted to
borrow money for a longer time, there may be other options better suited to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange
your needs. For more information visit bankofscotland.co.uk/borrow or call us rate on that day. We will charge a foreign currency transaction fee of 2.99% of the
to talk through your options. value of each transaction. This is a fee for currency conversion. We will also charge a
Check if your account is still right for you foreign currency cash fee of £1.50. Where you elect to allow the cash machine
Your banking needs can change over time so it’s important to check your operator/financial service provider to make the conversion to pounds we will only
account is still right for you by visiting bankofscotland.co.uk/bankaccounts to charge a foreign cash fee of £1.50. The provider of the foreign currency may make a
see our latest current accounts. separate charge for the conversion. We won’t charge a foreign currency cash fee or
a foreign cash fee if you: withdraw euro within the EEA or UK; or withdraw euro from
Our interest rates outside the EEA or UK and the cash machine operator’s payment service provider is
If we pay interest on your balance, your current interest rate is shown on the based in the EEA or UK. You can find more information on our website about the
front of this statement. To find out what the interest rates are on our other exchange rates that apply to your transaction to help you compare them with other
accounts, visit bankofscotland.co.uk/savings/interest-rates. Alternatively ask us card issuers' rates. Cashpoint® is a registered trademark of Lloyds Bank plc and is
in branch. used under licence by Bank of Scotland plc.

We use the Visa payment scheme exchange rate. You can find out about the Visa
J Protecting yourself from fraud payment scheme exchange rate by telephoning 0345 721 3141 (+44 131 337 4218
from abroad), however, if you call before a transaction is added to or taken from
• Check your statements regularly - If something doesn’t look right or you your account, the rate we provide will only be indicative.
spot a transaction on your statement you didn’t make, call us straight Keeping your data safe
away on 0800 567 4971 or +44 1132 888 408 if outside the UK. We We promise to keep your personal information safe and only use in the way you’ve
may not be able to refund a payment on some types of account if you asked. See our privacy notice at bankofscotland.co.uk/privacy or call us for a copy
tell us more than 13 months after the date it happened. on 0345 721 3141.
• Keep your statements in a safe place - If you want to throw them away,
you should do it in a secure way, like shredding them – please don’t just We’re here for you if something isn’t right
put them in the bin. We want to make sure you’re happy with the products and service we offer. But if
• Helping you stay protected - We’ll do all we can to help you avoid something goes wrong, let us know and we’ll do everything we can to put things
fraud. Visit bankofscotland.co.uk/security for ways to protect yourself right . If you’re still not happy, you can ask the Financial Ombudsman Service to look
and information on the latest scams. at your concerns, for free.
• If your card, cheque book or PIN is lost or stolen - Call us straight away
on 0800 028 8335 or +44 (0) 131 454 1605 if outside the UK - lines are The Financial Services Compensation Scheme (FSCS)
open 24/7. The deposits you hold with us are covered by the Financial Services
• The freeze card feature in our Mobile Banking app lets you quickly Compensation Scheme (FSCS). Every year we’ll send you an
freeze and unfreeze different types of transaction on your cards information sheet which tells you the types of deposits covered and
whenever you need to. Find out more at the protection offered by the FSCS. For more information visit
bankofscotland.co.uk/aboutonline/mobile-banking/card-freezes FSCS.org.uk

We send statements and other communications from time to time for legal reasons
or to let you know about changes to your accounts or services.

When you call us your call may be monitored or recorded in case we need to check
we have carried out your instructions correctly and to help improve our quality of
service.

If your vision is impaired – please contact us for an alternative format

such as large print, Braille or audio CD.
If your hearing or speech is impaired – you can contact us using the Relay UK Service which is available 24 hours a day, 7 days a week; or via
textphone on 0345 600 9644 (lines are open 9am to 5.30pm, 7 days a week).
SignVideo services are also available if you're Deaf and use British Sign Language at bankofscotland.co.uk/accessibility/signvideo
Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.
Fair lending – we adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk
Statement No. 36 Sort Code 80-47-68
11 August 2023 Account Number 11815962
Page 3 of 4

UNDER 19'S ACCOUNT

Your Transactions
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
12 Jul 23 STATEMENT OPENING BALANCE 1.07
17 Jul 23 FPI A HEPBURN 15JUL23 500000001167360971 32.00 33.07
17 Jul 23 DEB ALIEXPRESS.COM CD 0630 15JUL23 21.60 11.47
17 Jul 23 FPI A HEPBURN 16JUL23 300000001171163563 7.00 18.47
17 Jul 23 DEB GOOGLE *Google Pla CD 0630 16JUL23 0.99 17.48
17 Jul 23 DEB GOOGLE Google Play CD 0630 16JUL23 4.49 12.99
17 Jul 23 DEB GOOGLE Google Play CD 0630 0.59 12.40
17 Jul 23 DEB www.aliexpress.com CD 0630 6.50 5.90
18 Jul 23 DEB GOOGLE Google Play CD 0630 0.99 4.91
19 Jul 23 DEB GOOGLE *Google Pla CD 0630 0.99 3.92
21 Jul 23 DEB GOOGLE Google Play CD 0630 2.99 0.93
24 Jul 23 FPI A HEPBURN 22JUL23 200000001167420836 15.00 15.93
24 Jul 23 FPI A HEPBURN 22JUL23 200000001167466707 14.00 29.93
24 Jul 23 DEB MCDONALDS 1536 CD 0630 23JUL23 1.99 27.94
24 Jul 23 DEB B&M 311 - AN LEVEN CD 0630 23JUL23 6.44 21.50
24 Jul 23 DEB MCDONALDS 1536 CD 0630 23JUL23 6.58 14.92
24 Jul 23 DEB B&M 311 - AN LEVEN CD 0630 23JUL23 14.00 0.92
24 Jul 23 FPI A HEPBURN 400000001177233035 15.00 15.92
25 Jul 23 DEB GOOGLE Google Play CD 0630 0.07 15.85
25 Jul 23 DEB GOOGLE Google Play CD 0630 0.59 15.26
25 Jul 23 DEB ALIEXPRESS.COM CD 0630 12.52 2.74
28 Jul 23 FPI A HEPBURN 100000001171614975 33.50 36.24
31 Jul 23 FPO E ROSS 29JUL23 20:00 4.00 32.24
31 Jul 23 DEB Temu.com CD 0630 30JUL23 0.50 31.74
31 Jul 23 DEB Temu.com CD 0630 30JUL23 12.82 18.92
01 Aug 23 DEB www.aliexpress.com CD 0630 13.83 5.09
02 Aug 23 DEB ALIEXPRESS CD 0630 3.65 1.44
04 Aug 23 FPI A HEPBURN 300000001183018288 25.00 26.44
07 Aug 23 DEB AMZNMktplace CD 0630 05AUG23 4.99 21.45
07 Aug 23 DEB AMZNMktplace CD 0630 05AUG23 7.59 13.86
07 Aug 23 FPO MUM 06AUG23 13:44 3.50 10.36
07 Aug 23 FPI A HEPBURN 200000001176850427 7.00 17.36
07 Aug 23 DEB MR SOFTY FIFE CD 0630 3.50 13.86
08 Aug 23 FPI A HEPBURN 400000001186145952 5.00 18.86
09 Aug 23 FPI A HEPBURN 200000001178237418 50.00 68.86
09 Aug 23 FPI A HEPBURN 600000001181931075 9.00 77.86
10 Aug 23 DEB MCDONALDS 1536 CD 0630 10.88 66.98
10 Aug 23 DEB HOME BARGAINS CD 0630 12.94 54.04
(Continued on next page)

Bank of Scotland plc. Registered office: The Mound, Edinburgh, EH1 1YZ. Registered in Scotland, no. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority under number 169628.
Statement No. 36 Sort Code 80-47-68
11 August 2023 Account Number 11815962
Page 4 of 4

UNDER 19'S ACCOUNT

Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
10 Aug 23 DEB STARBUCKS LEVEN CD 0630 13.68 40.36
10 Aug 23 DEB THE KINO CINEMA CD 0630 22.50 17.86
11 Aug 23 FPI A HEPBURN 200000001179580124 10.00 27.86
11 Aug 23 STATEMENT CLOSING BALANCE 195.71 222.50 27.86
Payment types:
FPI - Faster Payment DEB - Debit Card FPO - Faster Payment

Transaction Details
The "Details" column in your statement shows the date that a Debit Card payment has come into or out of your account only if
that happened on a weekend or a Bank Holiday.

Bank of Scotland plc. Registered office: The Mound, Edinburgh, EH1 1YZ. Registered in Scotland, no. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority under number 169628.