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Please be advised that Izola Bank plc no longer offer home loans. The Bank will continue to service all exisitng home loan customers according to the terms of their agreed contracts.
Please click here to view the Terms and Conditions for Izola HomeLoans.
Please click here to view the Product Brochure.
Please click here to view the Home Loans Document Checklist.
Please click here to view the Architect's Valuation Report.
These terms and conditions (hereinafter the “Terms and Conditions”) are applied to and govern the use of your Izola Saver Accounts (as defined in clause 2 below) and your Izola Saver + Accounts (as defined in clause 2 below). These Terms and Conditions, which may be amended as stipulated in clause 23, govern the relationship between Izola Bank p.l.c., whose registered office is at 4, Castille Place, Valletta VLT1062 Malta, company registration number C16343 and the client making use of the Izola Saver Accounts and/or the Izola Saver + Account (hereinafter referred to as the “Client” or “you”).
These Terms and Conditions should be read in conjunction with the Izola Bank General Terms and Conditions and App Terms of Use. In the event of a conflict between the Izola Bank General Terms and Conditions and the Terms and Conditions, the Terms and Conditions shall prevail.
In these Terms and Conditions, unless the context otherwise requires, the following terms shall have the meanings ascribed to them hereunder:
Account: means the Izola Saver Account or the Izola Saver+ Account, as the case may be.
Account Opening Form: means the online application form to be completed by the Client for the purposes of opening an Account with the Bank and accessible by the Client from the Website.
Bank, we or us: means Izola Bank plc, a public limited liability company with registration number C16343 and whose registered office is at 4, Castille Place, Valletta VLT1062 Malta.
Business Day: means a day when the Bank is open for business in Malta.
Customer ID: means the eight-digit number assigned uniquely to you for the purpose of enabling you to logon to your Izola Saver Account. Your Customer ID is provided as soon as you have submitted the Account Opening Form. You will retain the same Customer ID if you open additional Izola Saver Accounts. If a joint account is opened, each Izola Saver Account holder will have his/her own unique Customer ID.
Eligible Institution: means a credit institution licensed to carry on the business of banking in Malta, Belgium or France.
EUR or €: means the lawful currency of any member state of the European Community that adopts or has adopted the euro (€) as its lawful currency in accordance with legislation of the European Community relating to Economic and Monetary Union.
Initial Deposit: means a minimum amount of EUR 25.
Internet Banking: means the secure pages of our Website where you will have access to your Account/s.
Izola Saver Mobile App: means the secure pages of our mobile application where you will have access to your Account/s.
Izola Saver Account: means an online-only savings account with a variable rate of interest held by the Bank in the Client’s name in accordance with the Terms and Conditions.
Izola Saver+ Account: means an online-only fixed term deposit account held by the Bank in the Client’s name in accordance with the Terms and Conditions.
Help Centre: means the support staff of the Bank who may be reached by telephone, chat or email. Our Help Centre is open from Monday to Friday (08:00 hrs to 17:00 hrs CET) on Business Days.
Principal Account: means an existing bank account held in your name with an Eligible Institution established in Malta, Belgium or France, depending on your residency, and designated as your ‘Principal Account’. You will be asked to enter the International Bank Account Number (IBAN) number of this bank account during your Account Opening Form.
SEPA Direct Debit: means the mandate form authorising the Bank to send a direct debit request to your Eligible Institution with which the Principal Account is held and requesting such Eligible Institution to debit your Principal Account and transfer funds to your Izola Saver Account.
Website: means www.izolabank.com or any other website that may be notified from time to time by the Bank to the Client.
You will receive an annual paper statement and a fee statement of your Izola Saver account after each year end which will list all transactions into or out of the account for the preceding 12-month period. You are obliged to review this statement carefully and inform us immediately of any inaccuracies. We will promptly investigate and rectify any mistakes which may have occurred. If you do not contact us with any objection within 60 days from dispatch to you of the statement, we will assume that you have accepted the contents of this statement.
There are no fees or charges for opening or maintaining an Izola Saver Account.
or
4. Once you access the Internet Banking or Izola Saver Mobile App you acknowledge and agree that all transactions you enter and confirm cannot be cancelled or revoked.
We will not issue any confirmations on the opening of Izola Saver+ Accounts. You can view your Izola Saver+ Accounts from the “Account Overview” screen through our Internet Banking or Izola Saver Mobile App. All accounting entries in relation to your Izola Saver+ Account can be seen through our Internet Banking or Izola Saver Mobile App in the “Transaction History” screen, or on the annual statement provided for your Izola Saver Account.
There are no fees or charges for opening or maintaining an Izola Saver+ Account.
Administration charge for early closure of term deposit €15
You may not terminate an Izola Saver+ (term deposit) Account prior to its agreed maturity. The Client may choose to close a term deposit prior to the maturity of the deposit. At its sole discretion the Bank may accept partial or complete termination of the Account at the Customer’s request. In any such case, penalty interest may, at the Bank’s discretion, be applicable and if the Bank elects to impose penalty interest the calculation of the penalty interest shall be made available to the Client.
We will do our utmost to prevent unauthorised access to your Izola Saver Account. We reserve the right to immediately block all access to your Izola Saver Account if we have reason to believe there has been, or there is a real threat of, an attempt at unauthorised access.
You must read the Security page before accessing Internet Banking. You recognise that Internet Banking is accessed via the internet which is a public system over which we have no control. It is your duty to ensure that any computer, tablet or other device which you use to access Internet Banking is free from and adequately protected against computer viruses.
We will not be responsible for any loss or damage to your software, computer, computer networks, data or other equipment caused by using Internet Banking or Izola Saver Mobile App, unless such loss or damage is directly and solely caused by the Bank’s gross negligence.
Procedure if you forget your Customer ID or Personalised PIN code
You should contact our Help Centre. The Bank’s staff will ask you a few questions to verify your identity. If the answers are correct, the Bank’s staff will provide you with your Customer ID and a new activation code by SMS.
We have to suspend Internet Banking access from time to time in order to carry out routine or emergency maintenance work. We shall always endeavour to give you advance notice of any interruption in service by means of a notification on the Website or by sending you an email.
We agree to communicate by phone, email, chat or by post. Our mailing address is Izola Bank p.l.c., 4, Castille Place, Valletta VLT1062 Malta. We will contact you using the most recent phone, email or postal address you provided. You undertake to inform us immediately of any change to these details by contacting our Help Centre.
To the fullest extent permitted by law, and except to the extent that loss or damage is caused directly by the Bank’s gross negligence or wilful misconduct, the Bank shall not be liable to you for any loss or damage that you may suffer as a result of the use of the Bank’s products or the Bank’s services. In particular, but without limiting the generality of the foregoing, the Bank will not be liable for the delay in performing or failure to perform the obligations hereunder if the delay or failure results from events or circumstances outside the Bank’s reasonable control.
The Bank shall not be liable for any loss or damage caused to you resulting directly or indirectly from events of force majeure or measures taken by local or foreign legal or regulatory authorities.
The Bank shall not be liable for any direct or indirect loss of profit, goodwill, business, nor for any indirect or consequential loss or damage.
You shall indemnify and hold the Bank harmless from any loss or damage suffered by any person as a result of your breach of any of these Terms and Conditions.
The Bank shall not communicate to a third party any confidential information relating to you, your assets, or the income and profits generated by the assets held in accounts, unless you have expressly authorised it to do so or as required by law.
The Bank will not be held responsible for divulging confidential information about you or your Izola Saver or Izola Saver+ Account/s to an unauthorised person over the phone if such person is able to supply us with the information, we would normally ask you a few questions to verify your identity.
During the supply of the services specified in these Terms and Conditions, the Bank may process your personal data according to the requirements of the Data Protection Act (Cap. 440 of the Laws of Malta). You may have disclosed such data to the Bank in any manner and primarily through completion of the Account Opening Form or other forms. Any processing of your personal data will be used for the following purposes:
As permitted or required by law, the Bank may disclose your information to Governmental bodies and agencies or regulators. Personal data in relation to transactions effected via SWIFT (Society for Worldwide Interbank Financial Telecommunication) may be required to be disclosed to the United States authorities in order to comply with legal requirements applicable in the United States for the prevention of crime.
Your personal data may be disclosed to or exchanged with all employees of the Bank, its associates and agents for the above purposes only and according to the rules of the data protection regulations issued by the Bank.
You have the right to request the Bank to inform you about your personal data held and processed and to request its correction where necessary. Furthermore, following the opening of an Account and during the course of the relationship between you and the Bank, you may, by accessing our internet banking, modify your preferences and request the Bank to refrain from using your details for the purposes of direct marketing.
Whilst the Bank may periodically request you to re-confirm your data, you should inform the Bank immediately if such data has changed.
Complaints may be sent to us by regular postal letter or by email via our Help Centre. We will try and resolve your complaint as soon as possible and we shall employ our best efforts to provide a reply to all complaints within a maximum period of two working days. In any event, if a complaint requires the divulging of Account details, the Bank shall, for security reasons, reply through the normal postal mail. When lodging a complaint, you should supply the Bank with as many details as possible.
In the event you are not satisfied with our reply you may refer the matter to the Arbiter for Financial Services by writing to:
Office of the Arbiter for Financial Services,
N/S in Regional Road,
Msida MSD 1920,
Malta
Or by visiting the Arbiter for Financial Services website
You certify that the assets placed or to be placed in the Account are or shall be the product of legitimate activity, and that the Account shall not be used for money laundering purposes.
The Bank shall not accept any liability for the transmission of information of whatever nature to the FIAU (Financial Intelligence Analysis Unit) Malta on its own initiative or on request.
All Izola Saver Accounts and Izola Saver+ Accounts are eligible for cover by the Depositor Compensation Scheme.
The Bank is a participant in the Depositor Compensation Scheme as established in terms of the Depositor Compensation Scheme Regulations (Legal Notice 369 of 2003) as amended. Subject to the conditions imposed by the Scheme, balances on accounts denominated in Euro or in any other currency of an EEA State held with the Bank are guaranteed up to a maximum of EUR 100,000 or its equivalent in any other EEA currency per person. More information can be obtained from www.compensationschemes.org.mt.
Information provided in the Terms and Conditions is general in nature and does not take into account your financial situation or investment requirements. Nothing in these Terms and Conditions or any other documentation supplied by the Bank to you should be construed as a solicitation, offer or recommendation, to acquire or dispose of any investment, product or service or to provide any investment advice or service. Nothing contained in any aforementioned documentation constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision.
You irrevocably authorise the Bank to correct errors or reverse any entries on your Account made in error, automatically and without prior notice or authorisation.
We shall assume that the relationship established between us shall persist until you advise us that you wish to terminate such relationship or, in the case of individual customers, that you are deceased. In the latter case, the Bank shall take instructions relating to the Account/s from the heirs/legatees of your estate. We will need to establish the proper entitlement and authority of such person/s, at your expense, and shall not be bound to act until such time as we are satisfied with such entitlement and authority. All payments made from the Account/s before receipt of the written notice of death will be valid and binding on the heirs/legatees.
We reserve the right, at our sole discretion to terminate the provision of any Account/s at any time by sending you a notice in writing specifying the date on which such termination shall take place. We shall provide you with reasonable notice of our intention to terminate the provision of your Account/s and in all cases such notice shall not be less than sixty days.
Unless required to do so under any legal or statutory requirement, we will not close an existing Izola Saver+ Account prior to the maturity of the relevant Account.
Any Account opened with the Bank is not transferable, unless this is transferred causa mortis upon your decease, or unless we give our prior written consent thereto. We may also transfer your Account when we are required to do so in terms of any applicable law, or when we are ordered to do so by any competent court, tribunal, or administrative body, provided that in any of these cases we may, at our sole discretion, terminate any of your Accounts in accordance with clause 22.
The present Terms and Conditions may be amended by the Bank at any time.
You shall be advised by the Bank through email or regular postal letter of any amendment to the Terms & Conditions.
Unless legal or statutory requirements specify otherwise, the amended Terms & Conditions shall enter into force sixty days after the date of the notification.
Each of the provisions of these Terms and Conditions is severable from the others, and if at any time any one or more of such provisions, is or becomes illegal, invalid or unenforceable, the validity, legality and enforceability of the remaining provisions of these Terms and Conditions shall not in any way be affected or impaired.
Izola Bank p.l.c. is a credit institution established as a public limited liability company under the laws of Malta and registered with the Maltese Registrar of Companies with company registration number C16343 and with its registered address at 4, Castille Place, Valletta VLT1062 Malta.
The Bank’s main business is the provision of banking services and Izola Bank p.l.c. is licensed as a credit institution by the Malta Financial Services Authority, Notabile Road, Attard, BKR4000, Malta, website: www.mfsa.com.mt.
The Bank’s principal place of business is 4, Castille Place, Valletta VLT1062 Malta, Contact Details: Malta +356 2792 2040, Belgium +32 71 96 25 25, France +33 3 59 55 36 45 and this is also the contact address for the purpose of your Account agreement with the Bank.
You may withdraw from your agreement within 14 days of the date on which the Account is opened by giving the Bank written notice of your wish to close the Account and cancel the agreement. To give effect to your right to cancel, you should write or deliver a letter to the Bank. If you do not exercise this right to cancel, the Bank will assume you agree to continue to be bound by the terms and conditions of the agreement. This right to cancel only applies where all aspects of the Account application process have taken place away from the business premises of the Bank.
Certain information contained in the Terms and Conditions is relevant to you only if you are dealing or have dealt with us at a distance, e.g. over the internet, by email, by telephone, by post and by other non-face-to-face means. This information is supplied to you in accordance with the Bank’s obligations under the Distance Selling (Retail Financial Services) Regulations of 2005 issued by Legal Notice 36 of 2005, as amended by Legal Notice 116 of 2006. These regulations are only applicable to consumers, that is, customers whose Account is of a personal, and not business, nature.
The present Terms and Conditions and, unless agreed otherwise, all the Bank’s and your rights and obligations shall be subject to Maltese law. The Courts of Malta shall have exclusive jurisdiction over all claims or disputes arising in the event of litigation
These terms and conditions, which are liable to amendment as stipulated in Article 25, govern the relationship between Izola Bank p.l.c., whose registered office is at 4, Castille Place, Valletta VLT1062 Malta, company registration number C16343 (hereinafter referred to as the ‘Bank’) and its Izola Pro clients (hereinafter referred to as the ‘Clients’), subject to provisions to the contrary arising from agreements or specific conditions that prevail over those of the present text.
By applying for and making use of the Bank's products and services, the Client accepts the provisions of the Izola Pro Terms and Conditions and the App Terms of Use, as may be amended from time to time.
These conditions shall be valid for all Izola Pro Clients, whether they are private individuals or legal entities. All Clients who are private individuals, by submitting an Account Opening Form, warrant to the Bank that all Instructions submitted to the Bank shall be exclusively related to the performance of their professional/business activities or trade. If any of these provisions infringes a legal or statutory provision that protects a specific category of person, the relevant provision in these Izola Pro Terms and Conditions shall be deemed not to apply. The Bank’s products and services may be subject to separate specific terms and conditions that govern their use.
In these Izola Pro General Terms and Conditions, unless the context otherwise requires, the following terms shall have the meanings ascribed to them hereunder:
Account: means any account/s held by the Bank in the Client’s name subject to the Izola Pro service.
Account Opening Form: means the online application form to be completed by the Client for the purposes of opening an Account with the Bank and accessible by the Client from the Website.
Address: means the Client’s address, that is, (a) the residence/registered office of the Client indicated in the Account Opening Form, (b) any other address indicated by the Client in the Account Opening Form as a correspondence address, or (c) in the event of a change to the address, any address Notified by the Client to the Bank.
Bank, we or us: means Izola Bank plc, a public limited liability company with registration number C16343 and whose registered office is at 4, Castille Place, Valletta VLT1062 Malta.
Client: means the person, whether an individual or a corporate entity, who has submitted an Account Opening Form to the Bank, which has been accepted by the Bank, and for whom the Bank has opened an Account.
Day: means a day on which the Bank opens for business in Malta.
Internet Banking: means the secure pages of our Website where you will have access to your Account/s.
Instructions: means all payments, instructions, orders, applications, other declarations of interest and messages submitted by the Client to the Bank through the Internet Banking or the Izola Pro Mobile APP after entering the Client’s security number or numbers. Unless otherwise agreed the security number or numbers will be generated by Izola Pass.
Internal Electronic Mail: means the secure electronic-messaging system made available on the Internet Banking by the Bank for the Client.
Izola Pass: means the mobile token app, made available by the Bank for download on the Apple or Google stores, that is used to generate the security number or numbers which in effect is a one-time password (OTP) to allow the Client to logon or sign transactions on the Internet Banking.
Izola Pro Mobile APP: means the secure pages of our mobile application where the Client will have access to the Account/s.
Notification: means any correspondence sent by the Bank to the Client, or vice versa, in accordance with the provisions of Article 5 and ‘Notify’ and ‘Notified’ shall be construed accordingly.
Operations: means any transaction of any nature concluded between the Bank and the Client in relation to the Bank’s products and/or services.
Principal Account Holder: means the account holder or holders so designated in the Account Opening Form.
Van Marcke: means the companies that are part of the Van Marcke group.
Website: means www.izolabank.com or any other website that may be notified from time to time by the Bank to the Client.
The Bank provides its products and services to Clients in accordance with these Izola Pro Terms and Conditions exclusively electronically and primarily via its Website.
Following the completion of the appropriate Account Opening Form, the Bank shall provide the Client a card and instructions to download Izola Pass onto the Client’s mobile phone or other device from either Apple or Google stores. The Client may activate Izola Pass on a maximum of two devices ( for example on two mobiles or a mobile and tablet). The Client will be advised to contact the Bank by phone once the app is downloaded in order to activate the app. The Client will be provided with an activation code and an initial PIN code. During the activation process the Client will have to change the initial PIN and personalize it. Usage of the cards shall be subject to separate terms and conditions.
Following the completion of the appropriate Account Opening Form, the Bank shall provide the Client instructions to download Izola Pro Mobile onto the Client’s mobile phone or other device from either Apple or Google stores. The Client will be advised to contact the Bank by phone once the app is downloaded in order to activate the app. The Client will be provided with an activation code and an initial PIN code. During the activation process the Client will have to change the initial PIN and personalize it.
As an online bank we can offer great rates and we try to keep all our fees as low as possible.
Izola Pro Bank Card | € 5 |
Account Maintenance Fee (per current account) | € 15 |
Credits to your account | Free |
Transfers - between own accounts | Free |
Transfers - destination account held with Izola Bank | Free |
Transfers - destination account held with another bank Payments in euro in Belgium or other EU member states with beneficiary's account in IBAN format, SWIFT BIC code and charges indicated as shared (SHA). |
€ 8.50 |
Manual repair fee for all transfers | € 8 |
Administration charge for early closure of term deposit | € 15 |
Confirmation letter to auditors (on request) | € 20 |
Direct debit instructions | Free |
These rates are exclusive of VAT (if applicable) and are subject to revision from time to time.
Administration charge for early closure of term deposit €15
The Client may choose to close a term deposit prior to the maturity of the deposit. In any such case, penalty interest may, at the Bank’s discretion, be applicable and if the Bank elects to impose penalty interest the calculation of the penalty interest shall be made available to the Client.
The Internet Banking may contain hyperlinks to third party websites. The publication of hyperlinks on the Internet Banking does not imply that the Bank necessarily agrees with the content of such third-party websites. In addition, the Bank accepts no responsibility or liability for the accuracy of material contained on third party websites. The Bank shall not be liable to the Client for any loss or damage resulting from the Client’s accessing third party websites, whether or not the Client accesses such websites through hyperlinks posted on the Internet Banking.
The Client shall indemnify and hold the Bank harmless from any loss or damage suffered by any person as a result of the Client’s breach of any of these Izola Pro Terms and Conditions or of the Client’s use of the Internet Banking or of any function thereof in a way violating these Izola Pro Terms and Conditions.
(a) To provide the use of the Website;
(b) To manage the Account(s);
(c) To issue the Client statements and provide the required products and services;
(d) For internal assessment and analysis (including credit and/or behaviour scoring, market and product analysis) and for the purposes of developing and improving the Bank’s products and services;
(e) For the detection and prevention of fraud and other criminal activity which the Bank is bound to report to competent crime investigative and prosecuting authorities or other bodies;
(f) For direct marketing, with the Client’s prior consent, such as to inform the Client, by mail, telephone, fax, e-mail or other electronic means, about other products and services supplied by the Bank, its associates, agents and by other carefully selected third parties, and for research purposes.
(g) For provision of services, the Client explicitly agrees that the Bank may disclose to third parties’ details, namely, the Client’s name, address, contact details, account and/or card number/s in cases where the Bank has engaged such third parties for the purposes of providing services to the Bank and/or the Client. In this case, the Bank shall use all reasonable endeavours to ensure that these third parties will process the Client’s personal data with at least the same degree of diligence and according to the data protection rules set forth in these clauses.
(a) the Client has not used Izola Pass or Izola Pro Mobile App in accordance with these Izola Pro Terms and Conditions; in particular, if the Client does not take all reasonable steps to keep safe his device/s, Card and the personalised PIN.
(b) the Client has not Notified the Bank immediately on becoming aware of:
(c) the Client recorded the personalised PIN in any easily recognisable form, in particular on the same device/s on which Izola Pass or Izola Pro Mobile App is downloaded, the card or on any item which the Client keeps or carries with the device/s.
In the event Clients are not satisfied with the Bank’s reply they may refer the matter to the Arbiter for Financial Services by writing to:
Office of the Arbiter for Financial Services,
First Floor, St Calcedonius Square,
Floriana, FRN5130,
Malta
Or by visiting the Arbiter for Financial Services website
Functioning of accounts
Instructions
Debit balances
Refusal of an Operation by the Bank(20)
Statements and history of transactions
Cards
Reversals and adjustment of errors
The Client irrevocably authorises the Bank to correct errors in the Client’s Account or to reverse Operations made in error automatically and without prior notice or authorisation.
Final Provisions
Termination
Amendments to the Izola Pro Terms and Conditions
Governing Law
Language
Clients may, on request, be provided with a copy of these terms and conditions in French or Dutch. Nevertheless, in the case of any conflict between the terms and conditions in the English language and those in the Dutch or French language, the English terms and conditions shall in all cases prevail.
INTRODUCTION
These Terms and Conditions, which are liable to amendment as stipulated in Article 16, govern the relationship between Izola Bank p.l.c., whose registered office is at 4, Castille Place, Valletta VLT1062 Malta, company registration number C16343 (hereinafter referred to as the ‘Bank’) and its customers (hereinafter referred to as the ‘Customers’), subject to provisions to the contrary arising from agreements or specific conditions that prevail over those of the present text.
By applying for and making use of the Bank’s products and services, the Customer accepts the provisions of the Terms and Conditions, as may be amended from time to time.
These conditions shall be valid for all Customers.
The Bank’s products and services may be subject to separate specific terms and conditions that govern their use.
DEFINITIONS
In these Terms and Conditions, unless the context otherwise requires, the following terms shall have the meanings ascribed to them hereunder:
‘Account’: means the term deposit account held by the Bank in the Customer’s name
‘Account Application Form’: means the Bank’s Term Deposit Application Form whereby Customers may apply to open an Account with the Bank.
‘Address’: means the Customer’s address, that is, (a) the residence/registered office of the Customer indicated in the Account Application Form, (b) any other address indicated by the Customer in the Account Application Form as a correspondence address, or (c) in the event of a change to the address, any address Notified by the Customer to the Bank.
‘Confirmation’: means a written statement which will be Notified by the Bank to the Customer on the opening of the Account confirming the details of the term deposit.
‘Customer’: means an individual or corporate entity, that has submitted an Account Application Form to the Bank, which has been accepted by the Bank, and for which the Bank has opened an Account.
‘Day’: means a day on which the Bank opens for business in Malta.
‘Instructions’: means all payments, instructions, orders, applications, other declarations of interest and messages submitted by the Customer to the Bank.
‘Notification’: means any correspondence sent by the Bank to the Customer, or vice versa, in accordance with the provisions of Article 4 and ‘Notify’ and ‘Notified’ shall be construed accordingly.
‘Operations’: means any transaction of any nature concluded between the Bank and the Customer in relation to the Bank’s products and/or services.
ACCOUNT OPENING
In order to open an Account with the Bank, the Customer must: (a) duly complete the Account Application Form so that it contains an accurate and comprehensive response to all the questions asked by the Bank, (b) attach to the said form all documents requested by the Bank, (c) be at least eighteen (18) years old if a physical person. The Customer is obliged to inform the Bank of any major alterations (such as change of Address) to any information submitted to the Bank in the Account Application Form. These alterations shall be applicable to the Bank within seven days of receipt of Notification by the Bank. The Bank shall assume that the information communicated is correct and up to date at all times. In addition the Customer shall Notify the Bank, when entering into a relationship with the Bank or subsequently, of any other information that the Bank may reasonably request, for example for the purposes of allowing the Bank to fulfill its Customer identification obligations.
The contract with the Bank shall be concluded and the Account opened with effect from the moment when the Bank accepts the Account Application Form. Acceptance shall only be deemed to have occurred when (i) the Confirmation is Notified by the Bank to the Customer and (ii) the Customer’s identification documents have been certified as true copies by the Bank. The Bank shall have the right, without being required to justify its decision, to refuse to open an Account for any Customer.
The Bank shall not accept physical payments in cash into an Account opened with the Bank.
NOTIFICATION/COMMUNICATION BETWEEN THE BANK AND CUSTOMER
The Bank and its Customers shall exchange any Notification by the various means of communication listed in Article 4 (ii) below for Notifications made by the Bank, and Article 4 (iii) below for Notifications made by Customers.
The Bank shall communicate with Customers by means of any of the following: (a) by regular postal letter (b) by electronic mail, (c) by facsimile transmission.
The Customer shall communicate with the Bank by means of any of the following: (a) by regular postal letter, (b) by electronic mail (c) by facsimile transmission, subject to the Customer authorisation on the Account Application Form.
PAYMENTS, INTEREST, WITHHOLDING TAX AND ACCOUNT DETAILS
An Account is not transferable and is subject to a minimum balance of EUR 10,000.
The interest rate applicable on the Account shall be fixed for the duration of the Account.
For Accounts having a term of twelve (12) months or less, interest will be paid on maturity date. Accounts having a term between twelve (12) and sixty (60) months, interest will be paid annually or as otherwise agreed.
Interest is calculated on a 360-day basis
At its sole discretion the Bank may accept partial or complete breaking of the Account at the Customer’s request. In this event the Customer accepts that any interest accrued on the Account may have to be forfeited.
The term “value date” within the meaning of the present Terms and Conditions is understood to mean the date from which the sums credited or debited on an Account begin or cease to bear interest. The Account start date shall be the date when funds are received and cleared on an account held in the Bank’s name.
The Bank may deduct final withholding tax from interest payments if instructed to do so by the Customer on the Account Application Form.
EARLY TERMINATION OF TERM DEPOSIT
Administration charge for early closure of term deposit €15
You may not terminate a Malta Term Deposit Account prior to its agreed maturity. The Client may choose to close a term deposit prior to the maturity of the deposit. At its sole discretion the Bank may accept partial or complete termination of the Account at the Customer’s request. In any such case, penalty interest may, at the Bank’s discretion, be applicable and if the Bank elects to impose penalty interest the calculation of the penalty interest shall be made available to the Client.
JOINT ACCOUNTS
Two or more Customers applying to open the same Account are deemed to be Joint Account holders. The Bank shall abide by the signing instructions given by the Customers on the Account Application Form in carrying out all Instructions in relation to the Account.
Customers who are Joint Account holders acknowledge and agree that they shall be jointly and severally liable for any obligation incurred on the Account. If any one of the Customers who are Joint Account holders cancels this mandate, the Bank shall still be able to debit the Account with any withdrawals or other transactions made by the Bank prior to notification of the cancellation or which had already been confirmed by the Bank.
In the event the Bank is notified in writing that one of the Joint Account holders has died, the Bank shall take instructions relating to the Account jointly from the heirs/legatees of the deceased and the surviving Account holder/s.
In the event the Bank is notified in writing that one of the Joint Account holders has been placed into liquidation or administration or other similar condition or has declared bankruptcy , wherein a liquidator, curator, administrator, trustee or other similar officer is appointed and in whom legal authority and representation is vested, the Bank shall take instructions in relation to any such joint Account jointly from such officer and the other Customers who are Joint Account holders.
LIABILITY
To the fullest extent permitted by law, and except to the extent that loss or damage is caused directly by the Bank’s gross negligence or wilful misconduct, the Bank shall not be liable to the Customer for any loss or damage that the Customer may suffer as a result of the use of the Bank’s products or the Bank’s services. In particular, but without limiting the generality of the foregoing, the Bank will not be liable for the delay in performing or failure to perform the obligations hereunder if the delay or failure results from events or circumstances outside the Bank’s reasonable control.
The Bank shall not be liable for any loss or damage caused to the Customer resulting directly or indirectly from events of force majeure or measures taken by local or foreign legal or regulatory authorities.
The Bank shall not be liable for any direct or indirect loss of profit, goodwill, business or anticipated savings nor for any indirect or consequential loss or damage.
INDEMNITY
The Customer shall indemnify and hold the Bank harmless from any loss or damage suffered by any person as a result of the Customer’s breach of any of these Terms and Conditions.
CONFIDENTIALITY AND DATA PROTECTION
The Bank shall not communicate to a third party any confidential information relating to its Customers, their assets, or the income and profits generated by the assets held in accounts, unless the Customers have expressly authorised it to do so.
During the supply of the services specified in these Conditions, the Bank may process personal data of the Customer according to the requirements of the Data Protection Act (Chapter 440 of the Laws of Malta). The Customer may have disclosed such data to the Bank in any manner and primarily through completion of the Account Application Form or other forms. Any processing of the Customer’s personal data for the supply of the service will exclusively serve the following purposes:
(a) To manage the Account(s);
(b) To issue the Customer Confirmation and provide the required products and services;
(c) For internal assessment and analysis (including credit and/or behaviour scoring, market and product analysis) and for the purposes of developing and improving the Bank’s products and services;
(d) For the detection and prevention of fraud and other criminal activity which the Bank is bound to report to competent crime investigative and prosecuting authorities or other bodies;
(e) For direct marketing, such as to inform the Customer, by mail, telephone, electronic message or facsimile message, about other products and services supplied by the Bank, and for research purposes, with the Customer’s consent.
As permitted or required by law, the Bank may disclose the Customer’s information to Governmental bodies and agencies or regulators. Personal data in relation to transactions effected via SWIFT (Society for Worldwide Interbank Financial Telecommunication) may be required to be disclosed to the United States authorities in order to comply with legal requirements applicable in the United States for the prevention of crime.
Customer’s personal data may be disclosed to or exchanged with all employees of the Bank, its associates and agents for the above purposes only and according to the rules of the data protection regulations issued by the Bank.
The Customer has the right to request the Bank to inform him about his personal data held and processed and to request its correction where necessary. Furthermore, following the opening of an Account and during the course of the relationship between the Bank and the Customer, the Customer may, by normal postal letter, request the Bank to refrain from using his details for the purposes of direct marketing.
Whilst the Bank may periodically request the Customer to re-confirm his data, the Customer should inform the Bank immediately if such data has changed.
QUERIES, COMPLAINTS AND OBSERVATIONS
Any complaint or observation of any nature relating to: (i) an error committed during an Operation, (ii) the content or form of any Notification made by the Bank, must be Notified by the Customer to the Bank within ninety days of the day on which the Customer becomes aware of the problem or ought to, using a reasonable degree of diligence, have become aware of it. If the Customer fails to do so within such period, he loses his right to complain or contest.
Queries or complaints may be Notified by the Customer to the Bank through regular postal letter, via electronic message or facsimile message. The Bank shall employ its best efforts to provide a reply to all queries and complaints within a maximum period of two Days. In any event, if a query or complaint made by Customer requires the divulging of Account details, the Bank shall, for security reasons, reply through the normal postal mail. When lodging a complaint Customers should supply the Bank with as many details as possible such as date and time of particular events, and so forth.
In the event that Customers feel aggrieved by a decision of the Bank they may seek redress, within 30 days from the date of the Bank’s decision, from the competent authorities within the Malta Financial Services Authority. Customers are advised that they may appeal to the Office of the Arbiter for Financial Services on 80072366 or 21249245 in the event that they feel aggrieved by any such decision.
MONEY LAUNDERING
The Customer shall certify that the assets placed or to be placed in the Account are or shall be the product of legitimate activity, and that the Account shall not be used for money laundering purposes.
The Bank shall not accept any liability for the transmission of information of whatever nature to the FIAU (Financial Intelligence Analysis Unit) Malta on its own initiative or on request.
MISCELLANEOUS
The Bank is a participant in the Depositor Compensation Scheme as established in terms of Legal Notice 369 of 2003 as subsequently amended. Subject to the conditions imposed by the Scheme, balances on accounts denominated in Euro or in any other currency of an EEA State held with the Bank are guaranteed up to a maximum of EUR 100,000 or its equivalent in any other EEA currency per person. More information can be obtained from www.compensationschemes.org.mt
Nothing in these Terms and Conditions or any other documentation supplied by the Bank to the Customer should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment, product or service or to engage in any other transaction, or to provide any investment advice or service. Nothing contained in any aforementioned documentation constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. The Customer should obtain relevant and specific professional advice before making any investment decision.
FUNCTIONING OF ACCOUNTS
All Operations between the Bank and its Customers shall be carried out in the context of an Account, in accordance with applicable banking laws. Each Operation shall take the form of a credit or debit entry to the Customer’s Account, depending on whether the Operation in question creates a right or an obligation for the Customer towards the Bank.
INSTRUCTIONS
Instructions provided by the Customer to the Bank, provided that they are in accordance with these Terms and Conditions are unconditionally binding upon the Customer.
Instructions provided by the Customer to the Bank, which are not provided in accordance with these Terms and Conditions, may be refused by the Bank.
The Bank has the right to refuse to execute incomplete or unclear Instructions received from the Customer. If the Bank decides to execute such Instructions anyway, the Bank cannot be held liable to the Customer for possible errors or delays.
REVERSALS AND ADJUSTMENT OF ERRORS
The Customer irrevocably authorises the Bank to correct errors in the Customer’s Account or to reverse Operations made in error automatically and without prior notice or authorisation.
AMENDMENTS TO TERMS & CONDITIONS
The present Terms and Conditions may be amended by the Bank at any time
The Customer shall be advised by the Bank in a Notification through regular postal letter or electronic message of any amendment to the Terms & Conditions.
Unless legal or statutory requirements specify otherwise, the amended Terms & Conditions shall enter into force two months after the date of the Notification.
Each of the provisions of these Terms and Conditions is severable from the others, and if at any time any one or more of such provisions, is or becomes illegal, invalid or unenforceable, the validity, legality and enforceability of the remaining provisions of these Terms and Conditions shall not in any way be affected or impaired.
GOVERNING LAW
The present Terms and Conditions and, unless agreed otherwise, all rights and obligations of both Customer and Bank shall be subject to Maltese law. The Courts of Malta shall have exclusive jurisdiction over all claims or disputes arising in the event of litigation
This Rate Match Guarantee (the ‘Guarantee’) is being offered on a temporary basis and expires upon the sole discretion of the Izola Bank p.l.c. (hereunder the ‘Bank’). This Guarantee may be subject to change and the Bank reserves the right to change or withdraw this Guarantee providing due notice (at least 14 calendar days) is published on its website.
1. Applicability
This Guarantee is only open to existing Bank client/s who are residents in Malta and who have a savings account and may wish to open a term deposit account or hold an existing term deposit account which is at, or close to, its maturity date.
2. Like with Like Comparison
This Guarantee matches interest rates, publicised by other banks licensed to carry out the business of banking in Malta and members of the Depositor Compensation Scheme, on term deposits for similar terms as offered by the Bank.
Products offered by other banks containing, amongst others, limited applicability periods, minimum or maximum deposit amounts and any other terms and restrictions, are not subject to this Guarantee.
For the avoidance of doubt, third party bank rates provided by the Bank’s clients to justify a rate match must be visible to the general public. Any ad hoc rates offered on a case-by-case basis are excluded.
3. General Terms
The terms and conditions applicable to all Bank deposits, as available on the Bank’s website, still apply. In case of any conflict between these Rate Match Guarantee terms and conditions and the terms and conditions of specific products of the Bank, the latter product specific terms and conditions shall prevail.
These terms and conditions set forth the terms and conditions under which the Bank shall issue Cards to Clients, as well as the terms and conditions under which use of Cards by Clients and Cardholders is permitted. These terms and conditions are in addition to the E-Banking General Terms and Conditions, and in the event of any discrepancy between these conditions and the E-Banking General Terms and Conditions, the Terms and Conditions for use of Izola Pro Credit Cards shall prevail.
In these terms and conditions, unless the context otherwise requires, the following terms shall have the meanings ascribed to them hereunder:
The Card may only be used electronically;
The Card may only be used for trade, business or professional purposes;
The Card may only be used:
Use of the Card may only be made up to the Client’s Credit Limit that shall be Notified by the Bank to the Client..The Bank may increase or lower the Client’s Credit Limit at the Bank’s discretion. The Bank will give the Client 30 days notice of such change, unless, in exceptional circumstances, the Bank decides to implement such changes forthwith.
The Bank may refuse to authorise use of the Card if:
The Client hereby authorises the Bank to charge to the Account all amounts paid or obtained by use of the Card even if the Client has not authorised that transaction (subject to Article 10) together with all other amounts the Client owes the Bank from time to time.
The Client and Cardholder must not:
The Cardholder may upon his request switch between the available Credit Limits by applying for different Cards. The Cardholder will be allowed to switch twice in any given year. The switch will take effect 45 days from receipt of such request provided the Cardholder is eligible for the credit limit (and Card) by satisfying all the necessary conditions in this respect. These conditions are made available on the Website.
The Card shall be applied for by completing the Izola Pro Credit Card Application Form.
Clients may obtain either a silver Card or a gold Card. A silver Card has a Credit Limit of EUR 12,000 whereas a gold Card has a Credit of EUR 25,000. It is entirely within the Bank’s discretion to decide whether to grant a Client a gold Card or a silver Card. The Bank also reserves the right to refuse any application for a Card.
In order to obtain a silver Card or a gold Card, applicants must:
The Bank shall despatch the Card to the Cardholder by regular postal letter together with instructions on how to download the Izola Pass mobile token app. The Cardholder must first download the app and then phone the Helpdesk in order to activate Izola Pass. Once the Cardholder is identified by the Helpdesk, the Cardholder will be guided through the activation process.
Once the Cardholder has downloaded the Izola Pass mobile token app on a device from the Apple App Store or Google Play, the Cardholder must contact the Helpdesk. The Cardholder can activate Izola Pass on a maximum of two devices (for example two mobiles or a mobile and a tablet). The Cardholder will be identified by the Helpdesk and provided with an activation code over the phone. At the same time an initial PIN code will be sent to the Cardholder’s email address. Once the activation code and initial PIN are entered on Izola Pass, the Cardholder will be prompted to enter a new personalised PIN. At the end of the activation process, a PIN reminder image is displayed. The purpose of the PIN reminder image is to help Cardholders identify if they have logged in to Izola Pass with an incorrect PIN; if the correct PIN is entered on Izola Pass, the same PIN reminder image is displayed as the one that was shown during the initial activation process. In the event of an incorrect PIN being entered, the PIN reminder image will be a randomly displayed image which will almost certainly be different from the one displayed during the activation process. With Izola Pass and this personalised PIN, the Cardholder can:
The Bank and Cardholder agree that this 9-digit OTP is an electronic signature and is equivalent to a signature for legal purposes.
The PIN is strictly personal and non-transferable and may only be used with Izola Pass and the Card to which it is linked. If the Cardholder forgets the personalised PIN code, s/he may telephone the Helpdesk for assistance. The Helpdesk will call the Cardholder back on the telephone number as indicated on the Izola Pro Credit Card Application form and provide the Cardholder with a one-time PUK code ( Personal Unblock Code) by email which is sent to the email address of the Cardholder. If the PUK code is requested in writing (letter, e-mail, fax) the same contact procedure is followed by the Helpdesk. The Cardholder would then click on the ‘Forgot PIN?’ button on the Izola Pass login page and will be prompted to enter the PUK code and a new personalised PIN code.
No cash withdrawals are allowed with this Card.
All amounts due on the Account will become immediately repayable in the event of:
The Bank may in addition to any other remedies available to it, take all the necessary steps to restrict any right to use the Account including the withdrawal of the Card.
The Bank may use any credit balance on any account the Client may hold with the Bank to reduce or repay any sums that the Client fails to pay on the Account and under these terms and conditions. The Client will be duly notified of this course of action.
The Cardholder undertakes to:
This Notification can be made by means of a call to the Helpdesk, or alternatively the Cardholder can inform the Bank by sending an e-mail to the Bank’s e-mail address from the Cardholder’s e-mail address as indicated on the Izola Pro Credit Card Application Form.
The Client undertakes:
The Bank undertakes:
(c) the Client recorded his personalised PIN in any easily recognisable form, in particular on the device/s on which Izola Pass is downloaded, the Card or on any item which the Client keeps or carries with the device/s on which Izola Pass is downloaded or with the Card
(d) the Client acted in any other way with gross negligence or fraudulently.
(b) The amount of the Bank’s liability consists of:
(c) Any damages due are to be paid by the Bank to the Cardholder within the shortest possible period.
The Client authorises the Bank to:
Information concerning fees, charges if any, and promotional offers if any, relating to the Card are available on the Bank’s Website.
As an online bank we can offer great rates and we try to keep all our fees as low as possible.
Izola Pro Bank Card | € 5 |
Account Maintenance Fee (per current account) | € 15 |
Credits to your account | Free |
Transfers - between own accounts | Free |
Transfers - destination account held with Izola Bank | Free |
Transfers - destination account held with another bank Payments in euro in Belgium or other EU member states with beneficiary's account in IBAN format, SWIFT BIC code and charges indicated as shared (SHA). |
€ 8.50 |
Manual repair fee for all transfers | € 8 |
Administration charge for early closure of term deposit | € 15 |
Confirmation letter to auditors (on request) | € 20 |
Direct debit instructions | Free |
These rates are exclusive of VAT (if applicable) and are subject to revision from time to time.
Transactions made using the Card are automatically recorded on the Bank’s computer system. The Client and Cardholder recognise that the Bank’s computer system on which data concerning all transactions is logged constitutes prima facie evidence of such transactions.
The issuance and use of the Card is subject to the provisions of Article 11 – Confidentiality and Data Protection of the E-Banking General Terms and Conditions.
Once the Client has signed the Izola Pro Credit Card Application Form application form the Client may within a period of one month withdraw from the contract. If the Client elects to do so, any money remaining to the Client’s credit on the Account, after all liabilities have been settled and all fees, interest and levy have been deducted, and any security given, will be returned to the Client.
The Client may terminate this agreement at any time on a written request to the Bank accompanied by the return of the Card. In either case, termination shall not affect any pending and unsatisfied obligations the Client have under this agreement. This agreement may also be terminated by the Client in the event of an amendment to the agreement by the Bank in accordance with the provisions of Article 16.
In addition to causes of termination specified elsewhere in this agreement, the Bank may terminate this agreement with the Client and may cancel a Card or suspend a Card or restrict the right to use the Card entirely or refuse to re-issue, renew or replace a Card issued under this agreement and may refuse any request for authorisation for any particular Card when:
Clients may, on request, be provided with a copy of these terms and conditions in French or Flemish. Nevertheless, in the case of any conflict between the terms and conditions in the English language and those in the Flemish or French language, the former shall in all cases prevail.
Any dispute in relation to these terms & conditions must be adjudicated according to Article 26 of the E-Banking General Terms & Conditions. In the event that Customers feel aggrieved by a decision of the Bank they may seek redress, within 30 days from the date of the Bank’s decision, from the competent authorities within the Malta Financial Services Authority. Customers are advised that they may appeal to the Office of the Arbiter for Financial Services on 80072366 or 21249245 in the event that they feel aggrieved by any such decision.
These terms and conditions set forth the terms and conditions under which the Bank shall issue Cards to Clients, as well as the terms and conditions under which use of Cards by Clients and Cardholders is permitted. These terms and conditions are in addition to the E-Banking General Terms and Conditions, and in the event of any discrepancy between these conditions and the E-Banking General Terms and Conditions, the Terms and Conditions for use of IZOLA PRO Bank Cards shall prevail.
In these terms and conditions, unless the context otherwise requires, the following terms shall have the meanings ascribed to them hereunder:
The Card/s shall be applied for by completing the Account Application Form and the IZOLA PRO Bank Card Application Form. For existing Clients, additional Cards may be applied for by the Principal Account Holder or Holders only, through completion and authorizing of the appropriate online Card application form on the Bank’s Website.
The Bank shall despatch the Card to the Cardholder by regular postal letter together with instructions on how to download the Izola Pass mobile token app. The Cardholder must first download the app and then phone the Helpdesk in order to activate Izola Pass. Once the Cardholder is identified by the Helpdesk, the Cardholder will be guided through the activation process.
Once the Cardholder has downloaded the Izola Pass mobile token app on a device from the Apple App Store or Google Play, the Cardholder must contact the Helpdesk. The Cardholder can activate Izola Pass on a maximum of two devices (for example two mobiles or a mobile and a tablet) The Cardholder will be identified by the Helpdesk and provided with an activation code over the phone. At the same time an initial PIN code will be sent to the Cardholder’s email address. Once the activation code and initial PIN are entered on Izola Pass, the Cardholder will be prompted to enter a new personalised PIN. At the end of the activation process, a PIN reminder image is displayed. The purpose of the PIN reminder image is to help Cardholders identify if they have logged in to Izola Pass with an incorrect PIN; if the correct PIN is entered on Izola Pass, the same PIN reminder image is displayed as the one that was shown during the initial activation process. In the event of an incorrect PIN being entered, the PIN reminder image will be a randomly displayed image which will almost certainly be different from the one displayed during the activation process. With Izola Pass and this personalised PIN, the Cardholder can:
The Bank and Cardholder agree that this 9-digit OTP is an electronic signature and is equivalent to a signature for legal purposes.
The PIN is strictly personal and non-transferable and may only be used with Izola Pass the Card to which it is linked. If the Cardholder forgets the personalised PIN code, s/he may telephone the Helpdesk for assistance. The Helpdesk will call the Cardholder back on the telephone number as indicated on the IZOLA PRO Bank Card Application form and provide the Cardholder with a one-time PUK code ( Personal Unblock Code) by email which is sent to the email address of the Cardholder. If the PUK code is requested in writing (letter, e-mail, fax) the same contact procedure is followed by the Bank's telephone helpdesk. The Cardholder would then click on the ‘Forgot PIN?’ button on the Izola Pass login page and will be prompted to enter the PUK code and a new personalised PIN code.
No cash withdrawals are allowed with this Card.
For security reasons, the Bank shall set a daily transaction limit (started from 0.00 to 24.00). The standard daily transaction limit shall be displayed under 'Important Information’' on the Website. The Principal Account Holder may set a different transaction limit on a Card but this limit can never exceed the limit set by the Bank. The Client may contact the Bank at any time and request a higher daily transaction limit.
The Cardholder undertakes to:
This Notification can be made by means of a call to the Helpdesk, or alternatively the Cardholder can inform the Bank by sending an e-mail to the Bank’s e-mail address from the Cardholder’s e-mail address as indicated on the Card Application Form.
The Client undertakes:
The Bank undertakes:
(b) The amount of the Bank's liability consists of:
(c) Any damages due are to be paid by the Bank to the Cardholder within the shortest possible period.
The Client authorises the Bank to:
A fee is levied by the Bank on the issuance of the Card and on every subsequent Card renewal/ replacement whether such renewal/ replacement is initiated by the Bank or the Client.Information concerning fees, charges if any, and promotional offers if any, relating to the Card are available on the Bank’s Website.
As an online bank we can offer great rates and we try to keep all our fees as low as possible.
Izola Pro Bank Card | € 5 |
Account Maintenance Fee (per current account) | € 15 |
Credits to your account | Free |
Transfers - between own accounts | Free |
Transfers - destination account held with Izola Bank | Free |
Transfers - destination account held with another bank Payments in euro in Belgium or other EU member states with beneficiary's account in IBAN format, SWIFT BIC code and charges indicated as shared (SHA). |
€ 8.50 |
Manual repair fee for all transfers | € 8 |
Administration charge for early closure of term deposit | € 15 |
Confirmation letter to auditors (on request) | € 20 |
Direct debit instructions | Free |
These rates are exclusive of VAT (if applicable) and are subject to revision from time to time.
Transactions made using the Card are automatically recorded on the Bank’s computer system. The Bank, Cardholder and Principal Account Holder or Holders recognise that the Bank’s computer system on which data concerning all transactions is logged constitutes prima facie evidence of such transactions.
The issuance and use of the Card is subject to the provisions of Article 11 - Confidentiality and Data Protection of the E-Banking General Terms and Conditions.
Clients may, on request, be provided with a copy of these terms and conditions in French or Flemish. Nevertheless, in the case of any conflict between the terms and conditions in the English language and those in the Flemish or French language, the former shall in all cases prevail.
Any dispute in relation to these terms & conditions must be adjudicated according to Article 26 of the E-Banking General Terms & Conditions. However, this does not refrain Cardholders or Clients from contacting the following entity:
Malta Financial Services Authority
Notabile Road
Attard BKR 3000
Malta
Website: www.mfsa.com.mt