Page 1 of 3 25 November 2022

MR D & MRS F PADURETU Statement No. 38

5 HIGH ROAD Branch SALTCOATS
STEVENSTON Sort Code 80-48-45
AYRSHIRE yTRYXwSwUWVTyyTYVTZSUYZV
Account No 12008860
KA20 3DR jafRxnJBnY;ijAzTwAbUjxrc
ocxXTwogNr1TjTNZJ6Llq0Ev IBAN GB13 BOFS 8048 4512 0088 60
kzan:OX6smpak4TgUos6NZhi
nP0oMNrvNFkroxTKWOU8w;Pr
zzzzzzzzzzzzzzzzzzzzzzzz BIC BOFSGBS1195
Savings Helpline 0345 721 3141

www.bankofscotland.co.uk

BOS IASA 26 October 2022 to 25 November 2022

Your Account
Balance on 26 Oct 2022 £6,600.00
Money in £1,508.00
Money out £2,558.00
Balance on 25 Nov 2022 £5,550.00
Credit interest £0.00
The above figures are applicable to this statement period.

Your Interest Rates

Balances of AER% Gross p.a.%
£1.00+ 0.40 0.40

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).
Interest on cash ISAs will continue to be paid tax free.
Interest rates correct as at statement production date.

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 602 0304
8am-8pm, 7 days a week

Ways to manage your account About the fees we charge if you use your card abroad
There are a few ways you can keep track of your account: Withdrawing cash in pounds in the UK - If you take money in pounds from your
• Internet Banking - View and manage your accounts online - 24 hours a day, account using any Halifax or Bank of Scotland cash machine in the UK, we won’t
7 days a week. Register at bankofscotland.co.uk/internetbanking charge you for the withdrawal. However, if you use a cash machine that isn’t a
• Mobile Banking - Manage your account on the go with your mobile phone Halifax or Bank of Scotland cash machine, you may be charged by the machine
or tablet - 24 hours a day, 7 days a week. Download our app from Google owner. If so, the machine will show you the amount and tell you that it will be taken
Play or the App Store. from your account when you withdraw the cash.
• Telephone Banking - Our automated service is available 24/7, or you can
talk to us between 8am and 8pm, 7 days a week. Not all services are Withdrawing cash in a foreign currency, or withdrawing pounds outside the UK (at
available 24 hours a day, 7 days a week. a cash machine or over the counter) - If you use your Cashpoint card to withdraw
• Text Alerts – Get important messages from us faster. If you haven’t set this cash in a foreign currency, or to withdraw cash in pounds outside the UK, Visa will
up and would like to please go to bankofscotland.co.uk/mobilealerts. convert the amount into pounds the day the transaction is processed using the Visa
Payment Scheme Exchange Rate. We will charge you a foreign currency transaction
Check if your account is still right for you fee of 2.99% of the value of the withdrawal. This is a fee for currency conversion. We
Your banking needs can change over time so it’s important to check your will also charge a foreign currency cash fee of £1.50 for each withdrawal.
savings account is still right for you by visiting bankofscotland.co.uk/savings to
see our latest savings accounts. If you ask the cash machine operator/financial service provider to make the
conversion, we will not charge you a currency conversion fee but we will charge a
Our interest rates foreign cash fee of £1.50 for each withdrawal. The provider of the foreign currency
If we pay interest on your balance, your current interest rate is shown on the may make a separate charge for the conversion.
front of this statement. To find out what the interest rates are on our other
savings accounts, visit bankofscotland.co.uk/savings/interest-rates. Alternatively We won’t charge a foreign currency cash fee or a foreign cash fee if you:
ask us in branch. • withdraw euro within the EEA or UK; or
• withdraw euro from outside the EEA or UK and the cash machine operator’s
payment service provider is based in the EEA or UK.
J Protecting yourself from fraud You can find more information on our website about the exchange rates that apply
to your transaction to help you compare them with other card issuers’ rates.
• Check your statements regularly - If something doesn’t look right or you
spot a transaction on your statement you didn’t make, call us straight Keeping your data safe
away on 0345 600 7727 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 or PIN is lost or stolen - Call us straight away on 0800 028
The Financial Services Compensation Scheme (FSCS)
8335 or +44 (0) 131 454 1605 if outside the UK - lines are 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.
Statement No. 38 Sort Code 80-48-45
25 November 2022 Account Number 12008860
Page 3 of 3

BOS IASA

Your Transactions
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
25 Oct 22 STATEMENT OPENING BALANCE 6,600.00
31 Oct 22 TFR F PADURETU 29OCT22 804845 11981366 500.00 7,100.00
31 Oct 22 TFR F PADURETU 30OCT22 804845 11981366 100.00 7,000.00
31 Oct 22 TFR F PADURETU 30OCT22 804845 11981366 100.00 6,900.00
31 Oct 22 FPI CRISTACHE GG/REWAR OCTOMBRIE NETFLIX 8.00 6,908.00
37064602019874000R
01 Nov 22 TFR F PADURETU 804845 11981366 208.00 6,700.00
02 Nov 22 TFR F PADURETU 804845 11981366 150.00 6,550.00
03 Nov 22 TFR F PADURETU 804845 11981366 100.00 6,450.00
07 Nov 22 TFR F PADURETU 05NOV22 804845 11981366 150.00 6,300.00
07 Nov 22 TFR F PADURETU 05NOV22 804845 11981366 100.00 6,200.00
07 Nov 22 TFR F PADURETU 804845 11981366 100.00 6,100.00
10 Nov 22 TFR F PADURETU 804845 11981366 100.00 6,000.00
10 Nov 22 TFR F PADURETU 804845 11981366 300.00 5,700.00
14 Nov 22 TFR F PADURETU 12NOV22 804845 11981366 100.00 5,600.00
16 Nov 22 TFR F PADURETU 804845 11981366 100.00 5,500.00
18 Nov 22 TFR F PADURETU 804845 11981366 150.00 5,350.00
21 Nov 22 TFR F PADURETU 19NOV22 804845 11981366 100.00 5,250.00
21 Nov 22 TFR F PADURETU 20NOV22 804845 11981366 250.00 5,000.00
21 Nov 22 TFR F PADURETU 804845 11981366 300.00 4,700.00
23 Nov 22 TFR F PADURETU 804845 11981366 50.00 4,650.00
24 Nov 22 TFR F PADURETU 804845 11981366 100.00 4,550.00
25 Nov 22 TFR F PADURETU 804845 11981366 1,000.00 5,550.00
25 Nov 22 STATEMENT CLOSING BALANCE 2,558.00 1,508.00 5,550.00
Payment types:
TFR - Transfer FPI - 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.