Terms and conditions

1. About these terms

These terms form the agreement between you and New Republic Private Bank for every account, card, payment service, savings plan and loan we provide to you. By opening an account or using the service you accept them.

2. Opening an account

You must be at least 18 years old and able to enter a contract. You must give accurate information and complete our identity checks. We may decline an application, or ask for more documents at any time, without giving a reason.

We may also open an account on your behalf at a branch and grant access once verification is complete.

3. Using your account

You are responsible for keeping your password, transaction PIN, card details and one-time codes secret, and for every instruction given using them. Tell us immediately if you think someone else has access.

Outgoing transfers require a one-time code. Once a payment is authorised it may not be possible to recall it, so check recipient details carefully before you confirm.

4. Balances, limits and holds

Payments are made only from available funds. We apply daily transfer limits which vary by account type and verification level, and we may place a hold on funds while a payment or deposit is being verified.

Deposits made by transfer, card or another funding method are credited once confirmed by our operations team.

5. Restricting or closing an account

We may suspend an account, or switch off individual services such as transfers, deposits, bill payments, cards or loans, if we suspect fraud, if we are required to by law, if you break these terms, or to protect you or the bank.

Where a service is restricted you will see a message in your account and should contact customer support. You may close your account at any time once all balances and obligations are settled.

6. Cards

Cards remain our property and must be used in line with these terms. You may freeze a card, set spending limits and switch off online, international or contactless use from your dashboard. Report a lost or compromised card immediately.

7. Savings and loans

Interest rates, terms and early-withdrawal conditions for fixed deposits and recurring savings plans are shown before you open a plan. Loan approval is at our discretion and depends on affordability; the interest rate, processing fee, monthly instalment and schedule are shown before you accept.

Missing repayments may lead to additional charges and may affect your ability to borrow in future.

8. Fees and exchange rates

Applicable fees are shown before you confirm a payment. Currency conversions use our published buy and sell rates at the time of the transaction.

9. Our liability

We take care to keep the service available and accurate, but we are not liable for losses caused by events outside our reasonable control, by incorrect details you supply, or by your failure to keep your credentials secure. Nothing in these terms limits liability that cannot be limited by law.

10. Complaints

If something goes wrong, tell us. Raise a support ticket from your dashboard or call us. We will acknowledge your complaint promptly and keep you informed until it is resolved.

11. Changes to these terms

We may change these terms — for example to reflect new services, legal requirements or security improvements. We will publish the new version here and notify you of significant changes. Continuing to use your account means you accept the change.