Statement_04oct2019
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Current Account
Statement
0572 Mr V Oprea 57 Nettlecombe BRACKNELL RG12 0UQ
Your FlexAccount
transactions Date
Description
Statement date:
04 October 2019
Statement no:
£ Out
8
£ In
1 of 3
£ Balance
Sort code Account no
07-08-06 01843580
Start balance
£20,308.75
End balance
£19,601.69
Average credit 2019 05 Sep
Balance from statement 7 dated 04/09/2019 Contactless Payment
20,308.75 0.55
International Payment?
Contactless Payment
NAIAGB21
BIC
8.29
20,297.86
IB AN GB66 NAIA 070 8 0 601 843 5 80 Swift
ALDI 76 775 BRACKNELL 06 Sep
£0.00
Receiving an
2.05
POUNDLAND LTD WILLENHALL Contactless Payment
£20,196.22
balance
SAINSBURYS S/MKTS BRACKNELL Contactless Payment
balance Average debit
Intermediary Bank
MIDLGB22
4.57
LIDL GB READING READING Contactless Payment
9.64
20,283.65
T J MORRIS LTD READING 09 Sep
Contactless Payment
4.23
ALDI 76 775 BRACKNELL Contactless Payment
0.89
MLECZKO DELIKATESY READING Contactless Payment
3.71
ALDI 76 775 BRACKNELL Contactless Payment
2.00
SAINSBURYS S/MKTS BRACKNELL 673 Contactless Payment
2.75
STARBUCKS READING Contactless Payment
2.80
STARBUCKS READING SAINSBURYS S MKTS BAGSHOT ROAD 10 Sep
Contactless Payment
20.48
20,246.79
2.05
STARBUCKS BRACKNELL Contactless Payment
10.77
20,233.97
ALDI 76 775 BRACKNELL 11 Sep
RYANAIR 22400000P42G7 LONDON Contactless Payment
159.43 1.00
POUNDLAND LTD WILLENHALL
Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. Head Office: Nationwide Building Society, Nationwide House, Pipers Way, Swindon, SN38 1NW
10/14.4pt_DC83 (30 June 2014)_CSIS
Your FlexAccount transactions (continued)
Date
Description
£ Out
£ In
2019 11 Sep
£ Balance
20,073.54 Contactless Payment
2.49
THE RANGE BRACKNELL Contactless Payment
4.42
20,066.63
5.94
20,060.69
ALDI 76 775 BRACKNELL 12 Sep
Contactless Payment
Statement date
4 October 2019
ALDI 76 775 BRACKNELL Statement no 13 Sep
Bank credit TEACHING PERSONNEL
16 Sep
Contactless Payment
77.90
Sort code
8.79
Account no
ALDI 76 775 BRACKNELL TESCO PAY AT PUMP 3935 READING Contactless Payment
8 2 of 3
20,138.59 07-08-06 01843580
20.12 5.27
ALDI 76 775 BRACKNELL Transferwise Ltd London 17 Sep
Contactless Payment
189.41
19,915.00
2.80
19,912.20
STARBUCKS BRACKNELL 18 Sep
Contactless Payment
0.80
WM MORRISONS STORE BRACKNELL Contactless Payment
4.92
19,906.48
ALDI 76 775 BRACKNELL 19 Sep
Contactless Payment
1.00
POUNDLAND LTD 1433 BRACKNELL Contactless Payment
1.00
WM MORRISONS STORE BRACKNELL Contactless Payment
2.54
19,901.94
ALDI 76 775 BRACKNELL 20 Sep
Bank credit TEACHING PERSONNEL Contactless Payment
1,385.48 3.80
21,283.62
ALDI 76 775 BRACKNELL 23 Sep
Contactless Payment
2.49
LIDL GB CAMBERLEY CAMBERLEY HALFORDS AUTOCTR CAMBERLEY Contactless Payment
257.90 0.65
WILKO RETAIL LIMIT CAMBERLEY Contactless Payment
6.79
ALDI 76 775 BRACKNELL SAINSBURYS S MKTS BAGSHOT ROAD 24 Sep
Contactless Payment
31.44
20,984.35
5.96
ALDI 76 775 BRACKNELL H & M H M BRACKNELL 25 Sep
Contactless Payment
30.03
20,948.36
2.00
POUNDLAND LTD WILLENHALL Contactless Payment
4.13
20,942.23
ALDI 76 775 BRACKNELL
DC86 (May 2014 CSIS
Your FlexAccount transactions (continued)
Date
Description
£ Out
£ In
2019 26 Sep
£ Balance
20,942.23 Contactless Payment
1.90
POST OFFICE COUNTER BRACKNELL REVOLUT*2292* REVOLUT.COM 27 Sep
10.00
Bank credit TEACHING PERSONNEL Contactless Payment
20,930.33 224.61 Statement
0.60
date
4 October 2019
MARTIN MCCOLL BRACKNELL Statement no Contactless Payment
Sort code
POST OFFICE COUNTER BRACKNELL Contactless Payment
8 3 of 3
1.90
Account no
3.52
07-08-06 01843580
ALDI 76 775 BRACKNELL Contactless Payment
4.00
21,144.92
SAINSBURYS S/MKTS BRACKNELL 673 28 Sep
OPEN UNIVERSITY WWW Contactless Payment
2,100.00 11.10
19,033.82
SAINSBURY'S S/MKT BAGSHOT RD 30 Sep
Bank credit BERKELEY HOME HEAL Direct debit THE GYM LTD Contactless Payment
735.99 19.99 2.00
POUNDLAND LTD WILLENHALL Contactless Payment
4.00
SPORTSDIRECT 240 08443325240 Contactless Payment
5.80
SAINSBURYS S/MKTS BRACKNELL 673 Contactless Payment
13.16
ALDI 76 775 BRACKNELL giffgaff London
20.00
SAINSBURYS S MKTS BAGSHOT ROAD
22.44
Contactless Payment
1.00
19,681.42
POUNDLAND LTD 1433 BRACKNELL 01 Oct
Transfer to 070436 34343488 Contactless Payment
400.00 5.15
19,276.27
4.71
19,271.56
ALDI 76 775 BRACKNELL 02 Oct
Contactless Payment LIDL GB BLACKWATER BLACKWATER
03 Oct
Contactless Payment
0.99
MLECZKO DELIKATESY READING Contactless Payment
4.39
19,266.18
T J MORRIS LTD READING 04 Oct
Bank credit TEACHING PERSONNEL Contactless Payment
336.61 1.10
19,601.69
SAINSBURYS S/MKTS BRACKNELL 673
DC86 (May 2014 CSIS
Your FlexAccount Please check your statement to make sure everything's correct. If there's anything you're unsure about please get in touch or if you've changed any of your contact details, you need to let us know. Interest, Rates and Fees We work out overdraft interest each day and take it from your account each month. FlexAccount doesn't currently pay any credit interest. Unless stated otherwise, all rates and fees are variable and we can change them at any time. If we have to give you notice of a fee or interest we'll let you know by including a 'Notice of Charges' page with your next regular statement, and we'll take the amount from your account 28 days after the statement date.
Have you lost your card or cheque book or had them stolen? Let us know
Summary box for your
straight away, either via the Banking app (if you have it) or by calling us on
FlexAccount
0800 30 20 11. You can report lost or stolen cards and cheque books 24/7.
This information doesn't replace your Terms and Conditions
Credit interest
All balances
AER
Gross p.a.
0.00%
0.00%
AER
stands for Annual Equivalent Rate and shows
what the interest rate would be if interest was paid and compounded once a year.
Arranged overdraft interest
18.9% EAR
Unarranged overdraft interest
18.9% EAR (capped at £5 per month)
EAR stands Refusing a payment due to lack of funds
O ther
£5 each time
(i) the amount you've spent and (ii) any interest,
(capped at £45 per month)
Allowing a payment despite lack of funds
accou nt fees
for Equivalent Annual Rate and
is the compounded yearly interest rate applied to
(Unpaid transaction fee)
fees and charges applied to your account.
(Paid transaction fee) £15 (up to this limit you will only pay
Unarranged overdraft buffer
overdraft interest)
M onthly max imum charge (unarranged overdraft)
Gross p.a. is the interest rate without tax deducted.
£50 per month
Sending money within the UK Chaps
£20 each time
SEPA (euros)
£9 each time
SWIFT (foreign currency excluding euros)
£20 each time
Receiving money within the UK To receive sterling payments into your account, the person making the payment will need to quote your
Charges for specialist
sort code and your 8 digit account number, which youll find on the front of your statement. Entering
services
Sending money outside the UK
account numbers incorrectly can mean payments being misdirected, so please be sure to provide the
SEPA (euros within the SEPA region)
£9 each time
SWIFT (except euros within the SEPA region)
£20 each time
correct details.
Receiving money from outside the UK and receiving money from within the UK in a currency otherthan sterling
Find the Visa exchange rates at visaeurope.com/making-payments/exchange-rates
SWIFT -
Cash withdrawal in foreign currency outside the UK
someone making a payment to you
must quote your Bank Identifier Code (BIC) and Non-Sterling Transaction Fee
2.75% of the transaction amount
Non-Sterling Cash Fee
£1 per withdrawal
International Bank Account Number (IBAN). The BIC and IBAN are the international equivalents of
Foreign u sage
your UK sort code and account number. An international payment will also need to quote
Cash withdrawal in foreign currency within the UK
the SWIFT Intermediary Bank number as we're using the routing services of an Agent Bank. You'll
Non-Sterling Transaction Fee*
2.75% of the transaction amount
Non-Sterling Cash Fee*
£1 per withdrawal
find this number along with your BIC and IBAN on the front of your statement.
SEPA Credit Transfer * No fee at L INK
Debit card payment in foreign currency
AT MS or ov er the counter.
Account Number (IBAN). Your IBAN is found on the Non-Sterling Transaction Fee
Monthly maximum charge (unarranged overdraft)found online at
- someone making a
payment to you must quote your International Bank
2.75% of the transaction amount
front of your statement.
The monthly cap on unarranged overdraft charges for the FlexAccount is £50. Further details can be
nationwide.co.uk/charges-cap
Banking of cheques
- You can pay money into or out of your account by cheque. To find out more information about cheque interest, clearing times, withdrawals
and certainty, please visit
nationwide.co.uk/cheque
If you have a problem with your account, and wish to complain, please try to settle it with us first. If you're not happy with the way in which we handled your complaint or the outcome you may be able to complain to the Financial Ombudsman Service. We'll give you details of how to contact the Ombudsman.
Importantinformation about compensation arrangements The deposits in this account are eligible for protection under the Financial Services Compensation Scheme (FSCS). An information about the FSCS and the protection that it provides can be found at
For further information about the compensation provided by the FSCS, refer to the FSCS website at Alternatively, please visit your local branch or call
0800 30 20 11
Information Sheet and Exclusion List which
provides
nationwide.co.uk/fscs-info/ www.FSCS.org.uk
to request a copy or to chat to us about your account. From
9 April ,
our contact centres are open from
8am to 8pm, 7 days a week.
DC84
(October 2018) CSIS
Statement
0572 Mr V Oprea 57 Nettlecombe BRACKNELL RG12 0UQ
Your FlexAccount
transactions Date
Description
Statement date:
04 October 2019
Statement no:
£ Out
8
£ In
1 of 3
£ Balance
Sort code Account no
07-08-06 01843580
Start balance
£20,308.75
End balance
£19,601.69
Average credit 2019 05 Sep
Balance from statement 7 dated 04/09/2019 Contactless Payment
20,308.75 0.55
International Payment?
Contactless Payment
NAIAGB21
BIC
8.29
20,297.86
IB AN GB66 NAIA 070 8 0 601 843 5 80 Swift
ALDI 76 775 BRACKNELL 06 Sep
£0.00
Receiving an
2.05
POUNDLAND LTD WILLENHALL Contactless Payment
£20,196.22
balance
SAINSBURYS S/MKTS BRACKNELL Contactless Payment
balance Average debit
Intermediary Bank
MIDLGB22
4.57
LIDL GB READING READING Contactless Payment
9.64
20,283.65
T J MORRIS LTD READING 09 Sep
Contactless Payment
4.23
ALDI 76 775 BRACKNELL Contactless Payment
0.89
MLECZKO DELIKATESY READING Contactless Payment
3.71
ALDI 76 775 BRACKNELL Contactless Payment
2.00
SAINSBURYS S/MKTS BRACKNELL 673 Contactless Payment
2.75
STARBUCKS READING Contactless Payment
2.80
STARBUCKS READING SAINSBURYS S MKTS BAGSHOT ROAD 10 Sep
Contactless Payment
20.48
20,246.79
2.05
STARBUCKS BRACKNELL Contactless Payment
10.77
20,233.97
ALDI 76 775 BRACKNELL 11 Sep
RYANAIR 22400000P42G7 LONDON Contactless Payment
159.43 1.00
POUNDLAND LTD WILLENHALL
Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. Head Office: Nationwide Building Society, Nationwide House, Pipers Way, Swindon, SN38 1NW
10/14.4pt_DC83 (30 June 2014)_CSIS
Your FlexAccount transactions (continued)
Date
Description
£ Out
£ In
2019 11 Sep
£ Balance
20,073.54 Contactless Payment
2.49
THE RANGE BRACKNELL Contactless Payment
4.42
20,066.63
5.94
20,060.69
ALDI 76 775 BRACKNELL 12 Sep
Contactless Payment
Statement date
4 October 2019
ALDI 76 775 BRACKNELL Statement no 13 Sep
Bank credit TEACHING PERSONNEL
16 Sep
Contactless Payment
77.90
Sort code
8.79
Account no
ALDI 76 775 BRACKNELL TESCO PAY AT PUMP 3935 READING Contactless Payment
8 2 of 3
20,138.59 07-08-06 01843580
20.12 5.27
ALDI 76 775 BRACKNELL Transferwise Ltd London 17 Sep
Contactless Payment
189.41
19,915.00
2.80
19,912.20
STARBUCKS BRACKNELL 18 Sep
Contactless Payment
0.80
WM MORRISONS STORE BRACKNELL Contactless Payment
4.92
19,906.48
ALDI 76 775 BRACKNELL 19 Sep
Contactless Payment
1.00
POUNDLAND LTD 1433 BRACKNELL Contactless Payment
1.00
WM MORRISONS STORE BRACKNELL Contactless Payment
2.54
19,901.94
ALDI 76 775 BRACKNELL 20 Sep
Bank credit TEACHING PERSONNEL Contactless Payment
1,385.48 3.80
21,283.62
ALDI 76 775 BRACKNELL 23 Sep
Contactless Payment
2.49
LIDL GB CAMBERLEY CAMBERLEY HALFORDS AUTOCTR CAMBERLEY Contactless Payment
257.90 0.65
WILKO RETAIL LIMIT CAMBERLEY Contactless Payment
6.79
ALDI 76 775 BRACKNELL SAINSBURYS S MKTS BAGSHOT ROAD 24 Sep
Contactless Payment
31.44
20,984.35
5.96
ALDI 76 775 BRACKNELL H & M H M BRACKNELL 25 Sep
Contactless Payment
30.03
20,948.36
2.00
POUNDLAND LTD WILLENHALL Contactless Payment
4.13
20,942.23
ALDI 76 775 BRACKNELL
DC86 (May 2014 CSIS
Your FlexAccount transactions (continued)
Date
Description
£ Out
£ In
2019 26 Sep
£ Balance
20,942.23 Contactless Payment
1.90
POST OFFICE COUNTER BRACKNELL REVOLUT*2292* REVOLUT.COM 27 Sep
10.00
Bank credit TEACHING PERSONNEL Contactless Payment
20,930.33 224.61 Statement
0.60
date
4 October 2019
MARTIN MCCOLL BRACKNELL Statement no Contactless Payment
Sort code
POST OFFICE COUNTER BRACKNELL Contactless Payment
8 3 of 3
1.90
Account no
3.52
07-08-06 01843580
ALDI 76 775 BRACKNELL Contactless Payment
4.00
21,144.92
SAINSBURYS S/MKTS BRACKNELL 673 28 Sep
OPEN UNIVERSITY WWW Contactless Payment
2,100.00 11.10
19,033.82
SAINSBURY'S S/MKT BAGSHOT RD 30 Sep
Bank credit BERKELEY HOME HEAL Direct debit THE GYM LTD Contactless Payment
735.99 19.99 2.00
POUNDLAND LTD WILLENHALL Contactless Payment
4.00
SPORTSDIRECT 240 08443325240 Contactless Payment
5.80
SAINSBURYS S/MKTS BRACKNELL 673 Contactless Payment
13.16
ALDI 76 775 BRACKNELL giffgaff London
20.00
SAINSBURYS S MKTS BAGSHOT ROAD
22.44
Contactless Payment
1.00
19,681.42
POUNDLAND LTD 1433 BRACKNELL 01 Oct
Transfer to 070436 34343488 Contactless Payment
400.00 5.15
19,276.27
4.71
19,271.56
ALDI 76 775 BRACKNELL 02 Oct
Contactless Payment LIDL GB BLACKWATER BLACKWATER
03 Oct
Contactless Payment
0.99
MLECZKO DELIKATESY READING Contactless Payment
4.39
19,266.18
T J MORRIS LTD READING 04 Oct
Bank credit TEACHING PERSONNEL Contactless Payment
336.61 1.10
19,601.69
SAINSBURYS S/MKTS BRACKNELL 673
DC86 (May 2014 CSIS
Your FlexAccount Please check your statement to make sure everything's correct. If there's anything you're unsure about please get in touch or if you've changed any of your contact details, you need to let us know. Interest, Rates and Fees We work out overdraft interest each day and take it from your account each month. FlexAccount doesn't currently pay any credit interest. Unless stated otherwise, all rates and fees are variable and we can change them at any time. If we have to give you notice of a fee or interest we'll let you know by including a 'Notice of Charges' page with your next regular statement, and we'll take the amount from your account 28 days after the statement date.
Have you lost your card or cheque book or had them stolen? Let us know
Summary box for your
straight away, either via the Banking app (if you have it) or by calling us on
FlexAccount
0800 30 20 11. You can report lost or stolen cards and cheque books 24/7.
This information doesn't replace your Terms and Conditions
Credit interest
All balances
AER
Gross p.a.
0.00%
0.00%
AER
stands for Annual Equivalent Rate and shows
what the interest rate would be if interest was paid and compounded once a year.
Arranged overdraft interest
18.9% EAR
Unarranged overdraft interest
18.9% EAR (capped at £5 per month)
EAR stands Refusing a payment due to lack of funds
O ther
£5 each time
(i) the amount you've spent and (ii) any interest,
(capped at £45 per month)
Allowing a payment despite lack of funds
accou nt fees
for Equivalent Annual Rate and
is the compounded yearly interest rate applied to
(Unpaid transaction fee)
fees and charges applied to your account.
(Paid transaction fee) £15 (up to this limit you will only pay
Unarranged overdraft buffer
overdraft interest)
M onthly max imum charge (unarranged overdraft)
Gross p.a. is the interest rate without tax deducted.
£50 per month
Sending money within the UK Chaps
£20 each time
SEPA (euros)
£9 each time
SWIFT (foreign currency excluding euros)
£20 each time
Receiving money within the UK To receive sterling payments into your account, the person making the payment will need to quote your
Charges for specialist
sort code and your 8 digit account number, which youll find on the front of your statement. Entering
services
Sending money outside the UK
account numbers incorrectly can mean payments being misdirected, so please be sure to provide the
SEPA (euros within the SEPA region)
£9 each time
SWIFT (except euros within the SEPA region)
£20 each time
correct details.
Receiving money from outside the UK and receiving money from within the UK in a currency otherthan sterling
Find the Visa exchange rates at visaeurope.com/making-payments/exchange-rates
SWIFT -
Cash withdrawal in foreign currency outside the UK
someone making a payment to you
must quote your Bank Identifier Code (BIC) and Non-Sterling Transaction Fee
2.75% of the transaction amount
Non-Sterling Cash Fee
£1 per withdrawal
International Bank Account Number (IBAN). The BIC and IBAN are the international equivalents of
Foreign u sage
your UK sort code and account number. An international payment will also need to quote
Cash withdrawal in foreign currency within the UK
the SWIFT Intermediary Bank number as we're using the routing services of an Agent Bank. You'll
Non-Sterling Transaction Fee*
2.75% of the transaction amount
Non-Sterling Cash Fee*
£1 per withdrawal
find this number along with your BIC and IBAN on the front of your statement.
SEPA Credit Transfer * No fee at L INK
Debit card payment in foreign currency
AT MS or ov er the counter.
Account Number (IBAN). Your IBAN is found on the Non-Sterling Transaction Fee
Monthly maximum charge (unarranged overdraft)found online at
- someone making a
payment to you must quote your International Bank
2.75% of the transaction amount
front of your statement.
The monthly cap on unarranged overdraft charges for the FlexAccount is £50. Further details can be
nationwide.co.uk/charges-cap
Banking of cheques
- You can pay money into or out of your account by cheque. To find out more information about cheque interest, clearing times, withdrawals
and certainty, please visit
nationwide.co.uk/cheque
If you have a problem with your account, and wish to complain, please try to settle it with us first. If you're not happy with the way in which we handled your complaint or the outcome you may be able to complain to the Financial Ombudsman Service. We'll give you details of how to contact the Ombudsman.
Importantinformation about compensation arrangements The deposits in this account are eligible for protection under the Financial Services Compensation Scheme (FSCS). An information about the FSCS and the protection that it provides can be found at
For further information about the compensation provided by the FSCS, refer to the FSCS website at Alternatively, please visit your local branch or call
0800 30 20 11
Information Sheet and Exclusion List which
provides
nationwide.co.uk/fscs-info/ www.FSCS.org.uk
to request a copy or to chat to us about your account. From
9 April ,
our contact centres are open from
8am to 8pm, 7 days a week.
DC84
(October 2018) CSIS
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