Unified Financial Limited (company number SC648489) (we and us) is a company registered in Scotland and our registered office is at 8 Botanic Crescent, Glasgow, G208QQ. Our main trading address is 8 Botanic Crescent, Glasgow, G20 8QQ. We operate the website: onebanks.co.uk.
We are authorised and regulated by the Financial Conduct Authority (FCA). We are registered on the Financial Services Register, which can be accessed at www.fca.org.uk/register – FCA Registered 936544. You can also contact the FCA on 0800 111 6768 or 0300 008082 or by emailing
We maintain professional indemnity and cyber liability insurance. Our insurer is Hiscox, and our reference number is XXXXX[DC1] .
These Terms refer to the following additional terms, which also apply to your use of the Website:
1.5.2 , which sets out information about the cookies on our site.
We may amend these terms from time to time. Every time you wish to use the Website, please check these terms to ensure you understand the terms that apply at that time. We may also update and change the Website from time to time to reflect changes to our products, our users’ needs and our business priorities.
These terms and conditions (Terms) apply to your use of the Website, OneBanks Application & services at OneBanks locations (Contract). They apply to the exclusion of any other terms that you seek to impose or incorporate, or which are implied by trade, custom, practice or course of dealing.
The Contract is the entire agreement between you and us in relation to its subject matter. You acknowledge that you have not relied on any statement, promise or representation or assurance or warranty that is not set out in the Contract.
You can register an account with OneBanks through one of the following platforms:
- Mobile Application;
- At the Kiosk.
The registration process at each of these platforms is the same and will consist of the following:
- Creation of unique login details: email & 6 digit password
- Enter personal information:
- Enter Personal Details -, First and Last Name
- Upload Photo ID Document
- Take a selfie
- User profile generated
There are three elements where your consent is captured. Before you can use the Services, you must register consent. During this process, you have the opportunity to review and receive a copy of these Terms and by registering your consent for an account you confirm your acceptance of them. Secondly, your consent is required to access account information, from the financial providers you link to your OneBanks account. Finally, your consent is required to allow OneBanks to make payments from your bank account- only which are initiated by yourself on the mobile application.
Our process allows you to check and amend any errors before the payment is finalised and processed. Please check the request carefully before confirming it at the Kiosk Application. You are responsible for ensuring that your request and any specification submitted by you is complete and accurate.
When you provide your consent for the Services, we will request your bank account information. We use Open Banking (OB) which is a dedicated link made available by the UK’s largest banks. OB is the UK’s industry standard for how banks can share your account information, with FCA regulated companies such as OneBanks. Where a bank is not available through OB we will use our automated tools to access the website of your provider, in the same way you can online. To provide these services we use certain third parties to assist us in providing these Services and we share information with those third parties. Please refer to our for further information on how your personal data is used and stored.
All services which OneBanks provide to users will take place through the Kiosk application at a OneBanks location. It’s a free way to access your high street bank account for personal or business customers.
What can I do?
- Pay in cash
- Withdraw money
- Check your balances and transaction history
- Pay bill and transfer between accounts
- Get help signing up to online banking
Bank Of Ireland
Bank Of Scotland
Marks and Spencer
- OneBanks mobile Application for authentication
- Alternative: Two forms of ID (assuming user profile already active). One form of identification to provide address and another form to provide identity.
– We warrant to you that the Services will be provided using reasonable care and skill and in compliance with all applicable regulatory standards.
It is your responsibility to ensure that:
- you are at least 16 years of age and resident in the United Kingdom;
- the terms of your request are complete and accurate;
- you co-operate with us in all matters relating to the Services;
- you provide us with such information and materials we may reasonably require in order to supply the Services, and ensure that such information is complete and accurate in all material respects;
- you will not engage another person, company, partnership or other entity to access the Services on your behalf;
- you keep your account details safe and do not disclose them to any third party. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us.
If our ability to perform the Services is prevented or delayed by any failure by you to fulfil any obligation listed in clause 5.1 (Your Default):
- we will be entitled to suspend performance of the Services until you remedy Your Default, and to rely on Your Default to relieve us from the performance of the Services, in each case to the extent Your Default prevents or delays performance of the Services. In certain circumstances Your Default may entitle us to terminate the contract under clause 13 (Termination);
- we will not be responsible for any costs or losses you sustain or incur arising directly or indirectly from our failure or delay to perform the Services; and
- it will be your responsibility to reimburse us on written demand for any costs or losses we sustain or incur arising directly or indirectly from Your Default.
5.3 Code of Conduct
You agree to comply with, and to ensure that all your Authorised Users comply with, at all times, the Code of Conduct set out below:
Know Your Client (KYC) Requirements
We are required by law to conduct ongoing monitoring of all our clients, and transactions carried out for or with our clients, including you (and your Authorised Users), in order to comply with KYC obligations. This includes monitoring Instructions and transactions for the prevention and detection of financial crime.
You will provide us with all information (e.g. as we consider necessary for opening an Account and conducting the business relationship prescribed by any Applicable Law) and will execute all documents we reasonably request from you from time to time, including any relevant document in order to confirm the tax residence you have declared to us.
You will provide us with correct, accurate and truthful information.
You must notify us immediately in writing of any changes in circumstances which might cause the information provided to us to be incomplete or inaccurate. Changes in circumstances can be but not limited to: residence address, nationality/nationalities, contact details, retail bank accounts held with other financial institutions, authorised signatories, Authorised Users and/ or person(s) holding a power of attorney.
7.1 We do not guarantee that the kiosk application or any content on it provided as part of the Services will always be available, uninterrupted or error free. Access to the Kiosk and the Services is permitted on a conditional basis. We reserve the right to suspend, withdraw or restrict access to the Kiosk application and/or the Services, or any part thereof, at any time for any purpose we deem reasonable or if we consider there is or is likely to be a breach of security.
7.2 Our Kiosk & technology may become unavailable from time to time in order for us to carry out planned and unplanned maintenance and security updates. We will not provide notice of this.
7.3 We are not obliged to restore any of your data which may be deleted in the course of suspending, withdrawing or restricting your access to the Services. It is your responsibility to store any materials or data that you may require from time to time.
7.4 You are responsible for making all arrangements necessary for you to have access to the Website including providing and maintaining any equipment used to access the Website. You are solely responsible for any telecommunications costs that you incur while using the Website or the mobile application.
We’re sorry if you feel the need to complain. We want to hear from you because telling us gives us the chance to put things right for you and improve what we do for others. Whichever way you complain to us, we’ll take notice.
- Call us: +44 (0) 7596 585 086 from Monday-Friday 9am-5.30pm
- Send us a letter: 8 Botanic Crescent, Glasgow, G20 8QQ
- Email us: You don’t need to ask anyone to make a complaint on your behalf. Whenever possible, we prefer to hear about your complaint in your own words. When you contact us to make a complaint, we’ll investigate it fully and let you know what will happen next. So, to help us investigate your complaint, please tell us:
- Your full name, address and preferred daytime phone number
- Your email address
- A description of the circumstances and facts that have given you reason to complain
- The impact that this has had on you
We’ll try to resolve your complaint immediately. If we can’t do this, we’ll get back to you once we’ve reviewed your complaint in more detail. If we haven’t been able to resolve things for you immediately, we’ll acknowledge your complaint within 5 business days. Whether we can resolve your complaint immediately or not, we may contact you to ask for clarification or to discuss options with you.
If your complaint is about a payment related service we’ve provided we’ll aim to respond in full within 14 days. If there are exceptional circumstances beyond our control, we may take up to 28 days. Don’t worry though, if this is the case, we’ll write to you to let you know why we need longer. If your complaint is about anything else, we’ll send you our final response within 6 weeks. Our final response will tell you what we’ve found what we’ll do and why we came to that conclusion.
If you’re still unhappy after we have completed these steps then, depending on the nature of your complaint, an alternative dispute resolution provider may be able to assist. We will provide you with the details of applicable providers at the time of completing these steps. For example, if you’re a consumer and your complaint is about your credit file or financial services, then you will have the right to refer your complaint to the Financial Ombudsman Service (“Ombudsman”). The Ombudsman is an independent public body which aims to resolve disputes between consumers and businesses like us. Smaller businesses, charities and trusts may also be able to refer to the Ombudsman complaints about some subjects, such as the business information files, we hold about them. It’s free to use their services and they are independent. The contact details for the Ombudsman are:
- P: Telephone:
- 0800 0234 567 Calls to this number are now free on mobile phones and landlines
- 0300 1239 123, or from outside the UK +44 20 7964 0500 Calls to this number cost no more than calls to 01 and 02 numbers.
- W: . The Financial Ombudsman Service Exchange Tower London E14 9SR The EC Online Dispute Resolution Platform If you are a consumer and complaining about a contractual issue, and are still unhappy after we have completed these steps,. This is a web-based platform that is designed to help consumers who have bought goods or services online to deal with issues arising from those purchases. Complaints submitted to the platform will be dealt with by approved alternative dispute resolution providers. You can access the platform at the following website address: http://ec.europa.eu/consumers/odr/
All intellectual property rights in or arising out of or in connection with the Services provided via the kiosk application and the information contained on the Website and mobile Application, will be owned by us or licensed or sub-licensed to us. All content on the Website and Application is subject to copyright with all rights reserved.
Images, trade marks and brands are also protected by intellectual property laws and may not be reproduced or appropriated in any manner without the permission of their respective owners.
You must not remove any acknowledgement that we or any of our contributors is the author of any Website content.
You may download or print content or individual sections or pages of the Website for your personal use and information only, provided that any such copy has attached to it the relevant proprietary notices and/or disclaimers. Any material downloaded or otherwise obtained through our Website is done at your own discretion and risk and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material.
You must not modify, adapt, copy, download or post material from the Website nor store any part of the Website in any other website or include it in any public or private electronic retrieval system.
You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text or explanation.
If you print off, copy, download or post to social media any part of the Website in breach of these Terms you must, at our option, return or destroy any copies of the materials you have made.
“OneBanks” is a UK registered trademark of Unified Financial Limited. You are not permitted to use it without our approval.
The content on the Application and any information provided to you as part of the Services is provided for general information only. It is not intended to amount to advice on which you should rely and you should take professional or specialist advice before taking, or refraining from, any action on the basis of the content on the Application and/or provided via the Services. By submitting content you confirm and agree that the owner of that content has expressly agreed that, without any particular time limit, and without the payment of any fees, we may use the content for the purposes set out in these Terms. Such businesses will use their own criteria in making decisions about you and any decisions you make on the basis of the information we provide or make available to you are purely your own choice.
11.1 Nothing in the Contract limits or excludes our liability for:
- death or personal injury caused by our negligence, or the negligence of our employees, agents or subcontractors;
- fraud or fraudulent misrepresentation; or
- any duties we have under the Financial Services and Markets Act 2000 or the rules of the Financial Conduct Authority, nor any other liability which cannot be limited or excluded by applicable law.
11.2 To the extent permitted by law, we exclude all conditions, warranties, representations and other terms which may apply to the Website, any content on it or services accessed through it, whether express or implied.
11.3 Subject to clause 11.1, we will not be liable to you, whether in contract, delict/tort (including negligence), breach of statutory duty, or otherwise, arising under or in connection with the Contract for:
- use of, inability to use or unavailability of, the Website or any part of it, websites linked to it or the Services;
- any products, data, information or services purchased or obtained or messages received or transactions entered into, through or from the services obtained or accessed through the Kiosk Application including use of or reliance on any content displayed on or made available through the Kiosk application;
- unauthorised access to or alteration of your transmissions or data; or
- any inaccuracy or incompleteness of any information received by you or by us through the Kiosk application as part of the Services;
- loss of use or corruption of software, data or information;
- any indirect or consequential loss.
11.4 Except as expressly stated in these Terms, we do not give any representations, warranties or undertakings in relation to the Services. Any representation, condition or warranty which might be implied or incorporated into these Terms by statute, by common law or otherwise are, to the fullest extent permitted by law, excluded from the Contract.
11.5 Where the Website/ Application contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you obtain from them. We have no control over the contents of those sites or resources.
11.6 We shall only be responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence. Loss or damage is foreseeable if it is an obvious consequence of our breach or if they were contemplated by you and us at the time you accepted these Terms.
11.7 Although we take all reasonable steps to protect our systems using virus checking software, please note that any content downloaded from the Website is at your own risk. We do not accept liability for any loss or damage that you suffer as a result of any distributed denial-of-service attacks, computer viruses, trojans, worms, software bombs or other damaging items resulting from your use of the Website. You are responsible for protecting your computer systems from exposure to viruses by the use of anti-virus software, firewalls and any other technical measures necessary.
11.8 Whilst we take reasonable steps to ensure that the content of the Website is accurate, current and complete, we have no control over the content of the information provided by credit reference agencies or third party providers. We do not accept liability for the accuracy or completeness of the Website content or content provided as part of the Services. We do not accept liability for any errors or omissions or for the content becoming out of date. Certain features of the Website will rely on data provided by you in order to generate output. We recommend that you confirm the accuracy and completeness of any content before relying on it.
11.9 This clause 11 will survive termination of the Contract.
12.1 We and you each undertake not at any time to disclose to any person any confidential information concerning one another’s business, affairs, customers, clients or suppliers, except as permitted by clause 12.2.
12.2 We and you may each disclose the other’s confidential information:
- to such of our respective employees, officers, representatives, subcontractors or advisers who need to know such information for the purposes of carrying out our respective obligations under the Contract. We shall each ensure that such employees, officers, representatives, subcontractors or advisers comply with this clause 12; and
- as may be required by law, a court of competent jurisdiction or any governmental or regulatory authority.
12.3 Each of us may only use the other’s confidential information for the purpose of fulfilling our respective obligations under the Contract.
13.1 We reserve the right at any time to terminate your agreement with us and your use of the Website or any products or services contained in or obtained through the Website, with or without cause, immediately upon our giving you notice in writing to the email address provided by you when you registered for your account (or any email address you subsequently provide) or in accordance with any contract we enter into with you.
13.2 If you withdraw consent to the processing of your personal data, access to the Website and the Services will be suspended or terminated.
13.3 We can cancel your access to the Services where (i) the Payment Service Provider ceases to pay for you to access the Services (ii) your access to the Services is for a limited time and that period expires (iii) the Partner indicates that you are no longer entitled to the Services or (iv) as otherwise set out in these Terms.
13.4 Termination of the Contract will not affect your or our rights and remedies that have accrued as at termination.
13.5 Any provision of the Contract that expressly or by implication is intended to come into or continue in force on or after termination will remain in full force and effect.
14.1 We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under the Contract that is caused by any act or event beyond our reasonable control (Event Outside Our Control).
14.2 If an Event Outside Our Control takes place that affects the performance of our obligations under the Contract:
- we will contact you as soon as reasonably possible to notify you; and
- our obligations under the Contract will be suspended and performance of our obligations will be extended for the duration of the Event Outside Our Control.
14.3 You may cancel the Contract affected by an Event Outside Our Control. To cancel please contact us.
15.1 By using the Application, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree, you must not use the Website.
15.2 You may use the application only for lawful purpose. You may not use the application:
- in any way that breaches any applicable, national or international law or regulation.
- in any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect.
- for the purpose of harming or attempting to harm minors in any way.
- to knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
16.1 When we refer to “in writing” in these Terms, this includes email.
16.2 Any notice or other communication given under or in connection with the Contract must be in writing and be delivered personally, sent by pre-paid first-class post or other next working day delivery service, or email.
16.3 A notice or other communication is deemed to have been received:
- if delivered personally, on signature of a delivery receipt or at the time the notice is left at the proper address;
- if sent by pre-paid first-class post or other next working day delivery service, at 9.00 am on the second working day after posting; or
- if sent by email, at 9.00 am the next working day after transmission, subject to sub-clause 16.8.
16.4 In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that such letter was properly addressed, stamped and placed in the post and, in the case of an email, that such email was sent to the specified email address of the addressee.
16.5 The provisions of this clause will not apply to the service of any proceedings or other documents in any legal action.
16.6 Information, such as information about our Kiosk application, information pertaining to Explicit Consent of using Open Banking, information on costs and associated charges, as well as other relevant changes to our website will be notified to you electronically. You undertake to consult our website regularly.
16.7 We will assume the conformity with authentic originals of all documents submitted to us as copies (including electronic copies).
16.8 Any notice or communication that we provide to you by email shall be deemed to have been received at the time of sending, as long as this is within Business Hours, otherwise, the relevant notice or communication shall be deemed to have been received when Business Hours resume the following Business Day.
- We may assign or transfer our rights and obligations under the Contract to another entity but will always notify you in writing or by posting on this webpage if this happens.
- You may only assign or transfer your rights or your obligations under the Contract to another person if we agree in writing.
Any variation of the Contract only has effect if it is in writing and signed by you and us (or our respective authorised representatives).
If we do not insist that you perform any of your obligations under the Contract, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you or that you do not have to comply with those obligations. If we do waive any rights, we will only do so in writing, and that will not mean that we will automatically waive any right related to any later default by you.
Each paragraph of these Terms operates separately. If any court or relevant authority decides that any of them is unlawful or unenforceable, the remaining paragraphs will remain in full force and effect.
The Contract is governed by the laws of Scotland and we each irrevocably agree to submit all disputes arising out of or in connection with the Contract to the exclusive jurisdiction of the Scottish courts.
Account Information Service Provider or AISP means a Payment Service Provider that with your permission can access your Business Account information such as accounts, balances, transactions and payees etc;
Access Code is the numeric code you assigned during the registration process to access the Mobile Application on your Mobile Device and to authorise some actions.
Account Mandate means our template account mandate form in which you authorise us to accept instructions from User(s);
Agreement means the legal agreement between you and us, and includes the Account Mandate, these Terms and Conditions, our Privacy Statement and Fees and Charges as are notified to you or the User(s) from time to time;
Administrator(s) means an individual authorised by you to access the Account as described in section 5;
ATM means Automated Teller Machine;
Business Account(s) means one or more Account(s) provided by us used to access the Services;
Business Day means a day (other than a Saturday, Sunday or public holiday) on which we are generally open for business in the UK, where in relation to execution timeframes in respect of a payment to an account with another bank, a day on which the payee’s bank is also open for business. A Non-Business Day is any day which is not a Business Day;
Business Hours mean 9:00am to 5:00pm GMT on a Business Day;
Clearing Network shall mean an electronic clearing system in which payment transactions are exchanged among financial institutions, e.g. STEP2 SEPA Credit Transfer (SCT) Service, Faster Payments Scheme Limited, Bacs Direct Credit Scheme;
Customer means you, the user who holds a Account;
Data Protection Legislation means Data Protection Act 2018, the Privacy and Electronic Communications Regulations 2011;
Direct Debit Instruction means an instruction from you to us, authorising a biller to collect variable or fixed amounts from your Account;
e-Money means an electronic payment product representing monetary value held electronically;
FAQ means the information on our services as provided on our website under the Frequently Asked Questions section;
Force Majeure means any event which is outside our reasonable control, including the unavailability or faulty performance of communication networks or energy sources, any act of God, any act or omission of governmental or other competent authority, fires, strikes, industrial dispute, riots, war, civil unrest, revolution, act of terrorism, inability to obtain materials, embargo, refusal of licence, theft, destruction, denial of service attacks, unauthorised access to computer systems or records, programs, equipment, data, or Services, breakdown of plant or machinery, flood or other adverse weather conditions;
Intellectual Property means patents, registered designs, trademarks, service marks, design rights and database rights (whether registerable or otherwise), applications for any of the foregoing, copyright (including copyright in source code, object code, procedures manuals and related documentation), know-how, trade or business names and other similar rights or obligations, whether registerable or not in any country (including the United Kingdom and Ireland) and all rights of a similar or corresponding character subsisting anywhere in the world;
Limits mean the transaction, service, lodgement, payment and withdrawal limits set by us at our sole discretion as provided for in section 10;
Mobile Device means an Android or iOS device meeting the minimum requirements for the Mobile Application registered to the User of a Account;
Open Banking means the use of AISP and PISP services provided by us;
Originator means a biller authorised to take payments from accounts using a Direct Debit Scheme;
Password means the secret word that must be used to access the Services;
Payment Request means functionality to allow you to generate a unique URL containing the information required for a payment to be made;
Payment Service Provider means a company that offers payment, account and/or information services;
Personal Data means data relating to a living individual who is or can be identified either from the data; or from the data in conjunction with other information that is in, or is likely to come into, the possession of the data processor;
Permissions means the ability to perform a specific action in the Account;
Payment Initiation Service Provider or PISP means a Payment Service Provider that with your permission can initiate payments from your Account;
Pre Authorisation means a temporary hold of a specific amount of the available balance on your debit card when booking for example a hotel or car hire etc;
Privacy Statement means the Privacy Statement set out on our Website which sets out how we collect, use and share Personal Data;
Profile means all personal, entity and contact information relating to you, the Customer, including your Users;
Role(s) means the group of Permissions that can be applied to a User(s) by the Administrator(s);
Security Details means your username, password, and the 2 factor authentication for the banking login;
Services mean the services provided in accordance with the terms of this Agreement;
Support Team means the OneBanks Support Team at email@example.com. The Support Team is available between Business Hours;
Terms and Conditions means these terms and conditions for Business Accounts as set out in this document and as amended from time to time;
Third Party Provider or TPP means either an Account Information Service Provider (AISP) which provides account information services only or a Payment Initiation Service Provider (PISP) which provides payment services only;
Underlying Transaction shall mean any contract or deal between you and the payee, e.g. for the supply of goods and/or services;
User(s) means each individual authorised by you to access the Account as per the Permissions set by their Role or any TPP authorised by you to access the Account;
You and Your shall mean you, the Customer, being an individual, partnership, limited partnership, limited company, charity, public authority or other entity (corporate or otherwise) or any TPP authorised by you;
Vulnerable Consumer means a natural person who has the capacity to make his or her own decisions but who because of individual circumstances, may require assistance to do so (for example, visually impaired); and/or has limited capacity to make his or her own decisions and who requires assistance to do so (for example, persons with intellectual disabilities or mental health difficulties);
We, Us, Our means Unified Financial Limited (OneBanks);
Web Application means the web based application used to access the Business Account;
Website means our website available at www.onebanks.co.uk