This information is effective from 31 December 2010.
The following information is detailed on this page:
1. Things you should know about Northern Bank Limited
2. Good banking
3. What should you do if you have a dispute relating to your account?
4. Financial Services Compensation Scheme
5. Telephone calls and website
6. Further information on investment risk
1. Things you should know about Northern Bank Limited
Our main business is to provide financial services in the form of a bank and to provide associated products and services.
Our registered office address is Donegall Square West, Belfast BT1 6JS. We are registered in Northern Ireland number R568.
Northern Bank is a trading name of Northern Bank Limited which is authorised and regulated by the Financial Services Authority. We comply with its requirements to pay due regard to customers’ interests and to treat customers fairly. Our registration can be viewed at FSA Register 
Credit facilities other than regulated mortgages are not regulated by the Financial Services Authority.
We are a member of Danske Bank Group.
Our VAT Number is GB853759092.
2. Good banking
We adhere to the Banking Conduct of Business (BCOBS) rules and guidance relating to:
- communications with banking customers and financial promotions;
- distance communications, including the requirements of the Distance Marketing Directive (DMD) and the E-commerce Directive;
- information to be communicated to banking customers, including appropriate information and statements of account;
- post sale requirements on prompt, efficient and fair service, moving accounts, and lost and dormant accounts; and
- cancellation, including the right to cancel and the effects of cancellation.
Please refer to the Money Advice Service website. The Money Advice Service leaflet is also available on request at any of our branches.
We also subscribe to the Lending Code which sets minimum standards of good practice in the UK. Copies of the Lending Code are available from a link on this website.
3. What should you do if you have a dispute relating to your account?
We are committed to providing a high standard of customer service. However, if you are not satisfied with any aspect of your service, we have internal complaint handling procedures in place to deal with such concerns effectively and in the correct manner.
Please ask for a copy of our leaflet ‘Putting Things Right for You’.
4. Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation if a bank is unable to meet its financial obligations.
Important information about compensation arrangements
Deposits
Most depositors - including most individuals and small businesses - are covered by the scheme.
In respect of deposits, an eligible depositor is entitled to claim up to £85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £85,000 each (making a total of £170,000). The £85,000 limit relates to the combined amount in all the eligible depositor's accounts with the bank, including their share of any joint account, and not to each separate account.
Mortgage
Mortgage advising and arranging is covered up to a maximum limit of £50,000.
Investment
Most types of investment business are covered up to a maximum limit of £50,000.
Insurance
Insurance advising and arranging is covered for 90% of the claim, without any upper limit.
For further information about the scheme (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website or call 020 7741 4100 or 0800 6781100.
5. Telephone calls and website
Please note that we may record or monitor telephone calls in order to ensure security for our customers and our staff and to help maintain service quality.
This website may be temporarily unavailable during periods of maintenance.
6. Further information on investment risk
The information detailed in the Investments section of this website is for illustration purposes only and is not an invitation or recommendation to buy or sell any investments or enter into any other transaction.
The information contained in the Investment section of this website does not provide legal, tax or other professional advice. You should obtain appropriate and specific legal, tax and professional advice before conducting any investment business.
The 'Details' section for each individual investment product contains the risk warnings which are applicable to that particular type of investment. We recommend that you read them. Please contact us if you require further details on the particular investment product or any of the risks associated with that investment product.
Money Advice Service
Lending Code