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  • RaboDirect - About SEPA
    But first here s our straight talking take on SEPA and what exactly it means Normally within a country where there s a common currency the entire banking system is linked so that transactions between banks within that country are made easily With the Euro zone it s a little bit different Although there s a common currency and payments within each country within the Euro zone are made and cleared easily payments across borders are not How can it improve things The Single European Payments Area SEPA aims to facilitate payments made in Euro by developing a standardised process that essentially means that all bank payment systems between countries will be aligned and speak the same language as it were New rules will come into effect on 1st February 2014 to enhance SEPA which will mean it will be as easy to make or receive payments in Euro across the Euro zone as it is to make and receive payments from one Irish account to another So for example if you want to pay an invoice from France from an Irish bank account or pay a Spanish electricity bill that will be very easy to do At RaboDirect we set the 9th of September 2013 as our date to be SEPA ready The SEPA vision below illustrates how things are currently done and how things will change with the introduction of SEPA The SEPA vision Banking before SEPA Banking after SEPA National and local schemes systems which differ from country to country Common schemes and systems across the SEPA countries Different customer experience in each country Same customer experience in each country Poor links between countries Effective links between countries Cross border complexity delays risk Cross border reduced complexity improved efficiency Credits delivered next day or better Trading in

    Original URL path: https://www.rabodirect.ie/sepa/default.aspx (2016-02-16)
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  • RaboDirect Ireland - The Straight Talking Savings Bank
    and that RaboDirect does not represent or warrant that the use of the website any material downloaded from it or any file will not cause damage to property including but not limited to loss of data or computer virus infection The content of these sites and files is based on information sources believed to be reliable but this is not a guarantee of the accuracy and or completeness of the information RaboDirect cannot be held responsible either for hyperlinks that external sites or third party suppliers create to this website or for the content of these external sites or files This is beyond the scope of RaboDirect s supervision and control and is subject to the same exclusions of liability detailed in the preceding paragraph You are reminded that when you enter such hyperlinked sites you will be subject to the terms and conditions of those external sites and when you access files provided by third party suppliers you will be subject to the terms and conditions of those third party suppliers On no account can RaboDirect be held responsible for losses arising from any of your acts based on price or other information provided by RaboDirect You are responsible for your choices and your use of the information You may only use this information for yourself You may not pass on duplicate process or disseminate the information You are obliged to follow RaboDirect s instructions regarding use of the information RaboDirect does not make any representations or warranties to you whether express or implied RaboDirect excludes any liability for any part of the information provided on or accessible through this website for any computer viruses unauthorised access defect tampering intervention fraud theft delay or event outside of its control which affects any aspect of this website in each case to the extent permitted by law Neither RaboDirect nor any of its officers employees agents members of its group of companies or affiliates will be responsible for any loss or damages arising out of any of the foregoing events or from the use by you of this website or from the provision to you of products or services offered by RaboDirect For further details please see the terms and conditions applicable to the product or service of which you intend to avail Blogging All of the views expressed in the RaboDirect Blog are purely the personal views of the authors even if the author works for RaboDirect and are based on their personal experiences and knowledge at the time of writing No responsibility will be taken by RaboDirect for any content contained in any post in the RaboDirect Blog neither does RaboDirect represent or warrant the content of any post RaboDirect reserves the right in its sole discretion not to publish any submitted post s and to remove any post s that may in the opinion of RaboDirect contain illegal incorrect or potentially offensive content Please note that RaboDirect will actively monitor the content of all posts submitted RaboDirect is

    Original URL path: https://www.rabodirect.ie/legal/disclaimer.aspx (2016-02-16)
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  • cookies You should know if you disable cookies websites including this one may not function properly and or you may not be able to access or utilise all of its features and functions If you access our website through third party web browsers or advertisement links those sites may also issue cookies to identify your visit W e are not responsible for the data collected by these cookies and you should consult the terms and conditions privacy statement and information documents of those websites Personal data may be collected from you when you complete forms on the website such as our online application form our Contact Us form or any other forms that may appear on the site where you can provide us with feedback When you call our Contact Centre using the contact details on our website you should note that calls and voice messages will be recorded for training purposes and to assist us with any complaint resolution How we use the data collected on our website RaboDirect will not collect or process any personal data about you without your consent All personal data collected will be treated with the utmost confidentiality in accordance with all applicable legislative and regulatory requirements Information collected through the use of IP addresses and cookies helps us determine the most popular sections of the website and assists us in improving the user experience as well as helping us with the future development of this website We may also use data for research purposes and to create statistics that improve our website and marketing campaigns Personal data will be requested from you when you apply for one of our products or services and such data may be processed by RaboDirect to maintain its customer database and provide the products requested Where permitted we may contact you at the address and email you have given us for marketing purposes unless you direct otherwise If you do not wish to be contacted about products and services provided by us please click here to unsubscribe from our mailing list or contact us at the details above Who we may disclose data to We may make data including personal data collected from the use of the website available to other members of the Rabobank Group and to agents subcontractors and third party service providers of the Rabobank Group under conditions of strict confidentiality Your personal data may also be disclosed where we have a legal obligation or duty to disclose it for example to comply with anti money laundering and counter terrorism requirements Accessing your personal data You have the right to know what personal data you have given us and which is held by us Should you wish to see a copy of all personal data which we hold about you please write to request this from us at the postal address above and enclose a cheque made payable to RaboDirect for 6 35 We will process your request within 40 calendar days of receipt of

    Original URL path: https://www.rabodirect.ie/legal/privacy-policy.aspx (2016-02-16)
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  • in current and savings accounts Under the Deposit Guarantee Scheme if RaboDirect is unable to meet its obligations to repay a customer s balance the customer is guaranteed to be repaid 100 of the first 100 000 of his her total balance deposits held within his her current and or savings account s In the case of a joint account the maximum amount of 100 000 set out above applies to each joint account holder b Dutch Investor Compensation Scheme Coöperatieve Rabobank U A is also a member of the Dutch Investor Compensation Scheme Under this scheme Rabobank must keep all investments in funds purchased by customers separate from the assets of the bank This means that if Rabobank goes out of business each customer remains fully entitled to that customer s fund investments although in that event Rabobank would need to be instructed to transfer the fund investments to another broker or bank In the unlikely event that a customer s fund investments are not identifiable anymore and have become part of the Rabobank bankruptcy estate the Dutch Investor Compensation Scheme may apply If Rabobank is unable to meet its obligations to customers who have invested in funds the Dutch Investor Compensation Scheme guarantees an amount up to 20 000 per person per institution provided that customer is not a professional investor Please note that a customer cannot get compensation for any loss caused as a result of a fall in the value of an investment Further details in relation to these schemes can be obtained from RaboDirect or the Dutch Central Bank website c Procedure If Rabobank goes out of business the Dutch Central Bank DCB will start the compensation process Certain information is available on the website of the Dutch Central Bank in relation to the Deposit Guarantee Scheme and the Investor Compensation Scheme Parts of this site are also accessible in the English language d Which RaboDirect customers may benefit from the Deposit Guarantee Scheme and the Investor Compensation Scheme Subject to very limited exceptions in the unlikely event that Rabobank enters bankruptcy proceedings the following types of RaboDirect customers may benefit from the Deposit Guarantee Scheme and the Investor Compensation Scheme C a workforce not exceeding 50 people in the financial year B a net turnover not exceeding 8 800 000 per year and A a balance sheet total that does not exceed 4 400 000 per year iv companies who satisfy at least two of the following conditions iii partnerships ii sole traders i personal customers General Advice Read all instructions regarding the security code for your Digipass carefully and comply with them Store your security code somewhere safe and keep it secret as you are solely responsible for maintaining its confidentiality You agree not to transfer or sell your use of or access to any accounts or services that we agree to provide to you to any third party You agree to immediately notify us of any unauthorised use of your Digipass security

    Original URL path: https://www.rabodirect.ie/legal/default.aspx (2016-02-16)
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  • RaboDirect Ireland - The Straight Talking Savings Bank
    client of RaboDirect This means that you will be responsible for selecting your own investments and for determining the suitability of those investments to your needs You may wish to seek independent investment advice No advice will be provided to you by RaboDirect Units in investment funds can fall as well as rise in value The past performance of investment funds and any other investment may not be a reliable guide to future performance Changes in exchange rates may have an adverse effect on the value price or income from any investment fund Income may fluctuate in accordance with market conditions and taxation arrangements Bank Charges RaboDirect only imposes bank charges which have been approved by the Central Bank in Ireland Terms and conditions All of our products are subject to terms and conditions full details of which are set out on this website under the heading Terms and Conditions These terms and conditions will form your agreement with RaboDirect the Agreement Our Terms and Conditions can be found at the bottom of our Legal page Deposit Interest Retention Tax Irish Deposit Interest Retention Tax DIRT will be deducted at source from any interest payable to you at the prevailing rate Your Right to Cancel You will not be bound by the Agreement unless and until you use RaboDirect s services for the first time You have the right to cancel your Agreement with us within 14 days of your entering into the Agreement by sending a written note of cancellation to the Customer Contact Centre Manager FREEPOST F4006 PO Box 10152 Dublin 2 quoting your account number Your Agreement with us is not subject to a minimum duration and if you do not exercise your right of cancellation the terms of the Agreement will continue to apply for an indefinite period In addition to your right to cancel within the 14 day period you have the right to terminate the Agreement at any time as set out in the Agreement If you cancel your Agreement within the 14 day period or at any other time you will be liable to repay any outstanding balance due to Rabodirect on that date and all outstanding fees charges stamp duties government levies and all accrued but unpaid interest if any The Agreement will be governed by the laws of Ireland and the Courts of Ireland will have exclusive jurisdiction to resolve any disputes This will include any negotiations or discussions prior to you entering into the Agreement The Agreement and all information and communication with you will be in English What to do if you have a complaint Your views are genuinely important to us at RaboDirect We encourage feedback from our customers the good and the bad If you have a complaint we would like the opportunity to put things right as quickly as we can So where do you send your complaint Email to info rabodirect ie Give us a call on 1850 88 22 44 or write to us

    Original URL path: https://www.rabodirect.ie/legal/distance-marketing.aspx (2016-02-16)
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  • RaboDirect Ireland - The Straight Talking Savings Bank
    current applicable interest rates at the time the term deposit is broken and also on how much time is remaining on the Term Deposit Account in question we re not going to be in a position to give you an absolute cost in advance What we can share with you is an indicative break cost Sound fair If you need to work out an indicative break cost on your Term Deposit give our Customer Care Team a call on 1850 88 22 44 They ll be happy to talk you through it and are available to chat from 8am to 7pm from Monday to Friday Details of your break cost will appear on your RaboDirect Savings Account statement To avoid this break cost make sure you re really happy to lock your money away for the full length of the term even if it s only 3 or 6 months If you ve any doubts about needing your savings in the immediate future with the RaboDirect Savings Account you can get your hands on them whenever you like so this may be a better option for you Interest earned on your RaboDirect Term Deposit Account is subject to Deposit Interest Retention Tax DIRT Open a RaboDirect Investment Account for free Opening a RaboDirect Investment Account is absolutely free to do There are entry and exit costs for buying and selling your funds online but they re some of the lowest around at just 0 75 Here s how it might work Say for example you purchase 100 of a given fund You ll pay an entry fee of 0 75 and 99 25 will be invested in your chosen fund If you decide to sell the same funds at a later date again 0 75 will be deducted from the total amount sold Your RaboDirect Savings Account will be credited with the balance minus the fee We regularly drop the entry fees on certain funds during the year with our Fund of The Month offers e g the entry fee may be reduced to 0 25 or indeed we might offer free entry for an entire month So do keep an eye on our website for details or better still sign up to receive our email communications so that you re always in the know Details of any fees appear on your RaboDirect Investment Account Statement Fund Managers may charge an annual fee for managing each fund It s usually calculated on a daily basis and varies from 0 70 up to 2 10 of the value of your investment in the fund Details of all such costs are included in the fund factsheets and on the Fund Selector on the RaboDirect website You should know that we can negotiate with the fund manager to secure that a portion of the management fee is paid to us But this will never result in you having to pay any additional fees over and above the Fund Management Fee quoted in the

    Original URL path: https://www.rabodirect.ie/legal/fees-and-charges.aspx (2016-02-16)
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  • RaboDirect Ireland - The Straight Talking Savings Bank
    their preferences enabling us to constantly develop a better user experience Targeting Cookies Targeting cookies remember what websites you have visited and assist RaboDirect with targeted online advertising These cookies may be placed on your computer or device when you visit the public sections of the RaboDirect website Where targeting cookies have been placed they can be recognised by websites you visit subsequently who may then use the data provided by these targeting cookies to direct advertising towards you based on your web browsing activity and your relevant interests In this way advertising can be made as relevant and useful as possible Although these cookies can track your visits around the web the information collected is anonymous If you would like more information about these targeting cookies and the uses for which they can be put please visit www youronlinechoices com Third Party Cookies When you visit a webpage of the RaboDirect website which has content embedded from third party platforms such as YouTube or Facebook cookies may be set which are not connected to RaboDirect Such third party cookies are anonymous and may be used by that third party to track the success of their application or to customise their application to you RaboDirect does not control the use of these cookies and cannot access them as cookies can only be accessed by the website that originally set them Should you require more information on third party cookies you should check the relevant third party website for more information about their cookies How do I control cookies Remember that RaboDirect does not use cookies to collect personal information about you We use cookies to analyse how you and other people use the RaboDirect website in detail These cookies are set to improve your experience on our website There are however various ways that you can control and manage cookies which are discussed in a bit more detail below Please remember though that any settings you change will not just affect the RaboDirect website cookies but will apply to all websites that you visit unless you choose to block cookies from particular sites Managing Cookies in your web browser Most modern web browsers will allow you to See what cookies you ve got and delete them on an individual basis Block third party cookies Block cookies from particular sites Block all cookies from being set Delete all cookies when you close your browser You should be aware that any preferences you have set will be lost if you delete cookies Also if you block cookies completely many websites will not work properly and a majority of functionality on these websites will be lost Ironically this includes where you have opted out from cookies as this requires an opt out cookie to be set If you are primarily concerned about targeting cookies generated by advertisers you can turn these off separately This is discussed in more detail below The links below take you to the Help sections for each of the

    Original URL path: https://www.rabodirect.ie/legal/cookies.aspx (2016-02-16)
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  • The Blog Check it out Open Account Log in Oops We re the straight talking savings bank so we ll get straight to the point you have experienced an error The page you are trying to access is temporarily unavailable or may no longer exist Please accept our apologies for the inconvenience You can select one of the following links or you might like to try again soon Open Account

    Original URL path: https://www.rabodirect.ie/this.href, (2016-02-16)
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