Legal information

RBS Black Cards are only available to persons over the age of 25 and are subject to status and conditions. You must have a sole minimum income of £75,000. An annual fee is payable. For details of the annual fee, typical APR and other rates, fees and charges please see the Summary Box.

Calls may be recorded. Minimum call charge from a BT landline is 4p (0845) or 8p (0870) per minute. Calls from other networks may vary.

The Royal Bank of Scotland plc, Registered in Scotland No 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. Authorised and regulated by the Financial Services Authority. FSA register number 121878.

Your RBS Black Card personal record

Under the terms of the Data Protection Act 1998, all RBS Black Card holders have the right to information on personal records held by us about them on computer files at our Cards Customer Services Centre. If you would like to see this information, please write to RBS Black Card, PO Box 5747, Southend-on-Sea, SS1 9AJ. There is a fee of £10 for this service, so please include a cheque to this amount, made out to The Royal Bank of Scotland plc.

Solving any problems

In the event of a dispute between you and RBS about your RBS Black Card account, please write to: RBS Black Card, PO Box 5747, Southend-on-Sea, SS1 9AJ.

Every effort will be made to reach a satisfactory conclusion with you. However, if this is not possible and the complaint falls within the Banking Ombudsman's Terms of Reference, we will issue you with a 'deadlock' letter. This will enable you to refer the matter for arbitration to: The Banking Ombudsman, 70 Grays Inn Road, London WC1X BNB. A list of the principal companies in the Royal Bank of Scotland Group plc with whom we may share you information can be obtained from the Customer Relations Manager at Southend Card Centre, Operational Support, PO Box 5747, Southend-on-Sea, SS1 9AJ.