Disclosures & Agreements

Which document wins

Where documents appear to conflict, they take precedence in this order:

1. 1Any specific written agreement signed between you and Prime Wealth Corporation Bank for a particular facility.
2. 2The product agreement for the account, card or loan concerned, together with its schedules.
3. 3The tariff and rate sheet applicable to that product.
4. 4The general terms and conditions for banking services.
5. 5The website Terms & Conditions.
6. 6Descriptive content published on this website.

Nothing on a marketing page overrides an executed agreement.

Accounts and payments

General Terms & Conditions for Banking Services

The master terms covering the relationship: instructions, authentication, liability, set-off, variation, suspension and closure.

Account Agreement (per product)

Product-specific terms for each checking, savings, business or multi-currency account, including any minimum balance and notice requirements.

Payment Services Terms

Execution times, cut-off times, value dating, charging options for international payments, refund and recall rights, and liability for unauthorised or incorrectly executed payments.

Digital Banking Terms

Terms for online and mobile channels, including authentication requirements, device management and acceptable use.

Tariff of Charges

Fees for account maintenance, payments, currency conversion, cash services and manual work.

Interest Rate Sheet

Credit interest rates by product and balance band, and the basis on which interest accrues and is paid.

Cards

Cardholder Agreement

Terms for debit, credit, virtual and corporate cards: authorised use, PIN and credential obligations, limits, liability for unauthorised use, and card expiry and replacement.

Card Fees Schedule

Issuance, replacement, foreign transaction, ATM and non-network fees.

Dispute and Chargeback Notice

How to dispute a card transaction, the evidence required, applicable deadlines and how card scheme timelines work.

Corporate Card Programme Terms

Additional terms where a business issues cards to employees, covering programme administration, spend controls and liability allocation.

Lending

Pre-Contractual Information

Standardised key facts provided before you commit, so you can compare offers on a like-for-like basis.

Credit Agreement

The binding loan terms: amount, rate, term, repayment schedule, total amount repayable, fees, security and default consequences.

Mortgage Offer and Conditions

The formal offer, valuation basis, conditions precedent, and the terms of the security taken over the property.

Early Repayment Notice

How to obtain a settlement figure, what it includes, and any early repayment charge stated in your agreement.

Arrears and Forbearance Policy

What happens if you fall behind, the support available, and the steps we take before any enforcement.

Business and treasury

Business Banking Terms

Mandate, authorised signatories, permission levels and approval rules for company accounts.

Merchant Services Agreement

Card acceptance terms, settlement cycle, chargeback liability, scheme rules and pricing.

Treasury and FX Terms

Terms for spot and forward foreign exchange, deposits and liquidity structures, including confirmation and settlement arrangements.

Risk Disclosure Statement

The nature and risks of any instrument offered, including market, credit, liquidity and currency risk.

Standing notices

How we notify changes

We may vary agreements, tariffs and rates in accordance with the variation clause in the relevant document.

• Changes to your disadvantage are notified in advance, in writing, with the notice period stated in your agreement.
• You may close the affected account or facility without penalty within the notice period if you do not accept the change.
• Changes that are neutral or to your advantage, and changes we are compelled to make by law, may take effect sooner.
• Notices are delivered through online banking and by email to your registered address, so keep those details current.

Requesting a document

Current and superseded versions of any document that applies to you are available free of charge. Signed-in customers can download most of them immediately; anything else can be requested through a support ticket or by contacting us.