You can use the Visa debit card to pay for goods and services direct from your current account. You can use the card instead of cheques wherever you see the Visa sign, and for shopping by phone, by post or online.
The main benefits
- You don't have to write cheques.
You can use your Visa debit card anywhere you see the Visa sign, and that means in more than 24 million outlets worldwide. Simply hand over your card and enter your PIN (or sign the voucher you are given), and the payment will be taken directly from your First Trust Bank current account, just like a cheque. You will be given a copy of the receipt to keep both as proof of your purchase and to check against your bank statement.
- The card acts as a debit card and a cash card.
- The money goes straight from your current account, so you always know how much you have in your account.
You can use your Visa debit card to withdraw cash at any cash machine displaying the Visa sign, at home and abroad.
- You have the freedom to spend your money as you choose, wherever you choose.
You can spend all the money in your account in a single transaction if you want to. You can withdraw up to £500 a day at any First Trust Bank or AIB Group cash machine and from Bank of Ireland, Northern Bank and Ulster Bank cash machines.
- Keeping track of your spending
Having a Visa debit card makes it easy for you to keep a record of your spending, because all payments are made direct from your First Trust Bank current account. That means your normal bank statement will always show exactly how much you have spent and when you have spent it, anywhere in the world.
- Changing your PIN
You can change the personal identification number (PIN) we originally sent with your card at any First Trust Bank or AIB Group cash machine.
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Whether we issue you with a Visa debit card depends on your financial circumstances. You must be 18 or over.
What is a recurring transaction (or "continuous payment authority")?
A 'recurring transaction' is where you have entered into an agreement with a company or service provider for them to take repeated payments from your Bank Account using your Debit Card.
In order to set up a recurring transaction you must provide the company or service provider with your 16-digit Debit Card number. This payment method differs from a Direct Debit or Standing Order as you set it up directly with the company or service provider, and is not covered by the Direct Debit Guarantee scheme.
How do I cancel a recurring transaction?
If you wish to cancel a recurring transaction, please call Customer Services on 0845 6005 925 or contact your local First Trust branch. If you want to cancel the recurring transaction you must tell us to stop the payment no later than the close of business on the business day before the payment is due to take place.
Please have details about the recurring transaction available, for example the merchant name, amount, date due and any policy / reference number.
We also recommend that you contact the company or service provider to inform them that you are cancelling the payment, as this payment arrangement may be part of a contract between you and them for the service/goods you requested, and you may need to make alternative payment arrangements with them.
We will be updating our terms and conditions to reflect this change in how we handle recurring transactions.
If I cancel the recurring transaction, will it stop?9>
Your request may not immediately stop further payments being taken from your account. Where a company continues to take payments from your account after you have informed us of your wish to cancel the transaction, we will refund that money to you.
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