Terms and Conditions Governing Bualuang iBanking and Bualuang mBanking Services

(Effective as from January 21, 2017)


For the purpose of my utilization of Bualuang iBanking and Bualuang mBanking Services of Bangkok Bank Public Company Limited (the “Bank”), I agree to be bound by the following terms and conditions:

  1. Definitions

    1.1 “Service” means Bualuang iBanking and Bualuang mBanking Services.

    1.2 “BiBS” means Bualuang iBanking Service.

    1.3 “BmBS” means Bualuang mBanking Service.

    1.4 “Applicant” means a person who has signed the Bualuang iBanking and Bualuang mBanking Services 
           application form as Applicant or a person who has previously applied for the utilization of BiBS or this Service
           through any channel as provided by the Bank.

    1.5 “PIN” means a code issued by the Bank or selected by the Applicant, as the case may be, to access BiBS or 
           BmBS for the first time.

    1.6 “Password” means a code selected by the Applicant to access BiBS before agreeing to utilize this Service,
           which can be automatically used as password for this Service, or a code selected by the Applicant to access 
           this Service.

    1.7 “User ID” means a user id issued by the Bank and given to the Applicant who has applied for BiBS, or a user 
           id later selected by the Applicant who has applied for BiBS, before agreeing to utilize this Service, which can
           be automatically used as a user id for this Service; or a user id selected by the Applicant to access this
           Service.

    1.8 “Mobile PIN” means a pin selected by the Applicant as a code to utilize BmBS through BmBS application 
           installed on the Applicant’s mobile phone or any other communication device.

    1.9 “PromptPay Service” means electronic transaction services with reference to identification number, mobile
           phone number, numerical number or any other identifier as may be later specified.

  2. Service

    The Applicant may utilize BiBS and/or BmBS for the following activities or transactions:

    2.1 BiBS
          The Applicant may utilize BiBS for the following activities or transactions:
          (1) verification of account activities
          (2) money transfer
          (3) making of payments
          (4) services relating to investments in mutual funds
          (5) special services, e.g., stopping payments of cheques, verifying cheque return items, requesting the Bank 
                to verify irregular transactions
          (6) other services as informed by the Bank on its website

    2.2 BmBS
          The Applicant may utilize BmBS for the following activities or transactions:
          (1) services specified in Clause 2.1 (1)-(4)
          (2) the Bank’s branches and ATMs location finding
          (3) other services as informed by the Bank on its website

          The Applicant may obtain information from the Bank’s website on the types of services provided by the Bank
          through different channels.

  3. Service Utilization

    The Applicant hereby acknowledges, accepts and agrees as follows:

    3.1 to comply with the service manual provided by the Bank in the form of pamphlet, text posted on the Bank’s
          website or in any other form as the Bank deems appropriate, which shall be deemed part of these Terms and
          Conditions;

    3.2 that any activity performed with the use of (1) User ID and PIN or Password or (2) Mobile PIN or (3) any
          other means provided by the Bank in accordance with the procedures and conditions for utilization of such
          type of service shall be considered an activity performed by the Applicant and shall be binding on the 
          Applicant without the Applicant having to sign any documents;

    3.3 to keep User ID, PIN, Password and Mobile PIN (if any) confidential and not to disclose them to any person;

    3.4 that in the event any other person gains knowledge of the PIN, the Applicant shall immediately give notice of
          cancellation of the PIN to the Bank and request a new PIN in accordance with the procedures prescribed by
          the Bank;

    3.5 that in the case where any other person gains knowledge of User ID, Password and Mobile PIN (if any), the
          Applicant shall immediately changes the said codes in accordance with the procedures specified by the Bank;

    3.6 that BiBS may be utilized via the internet or any other system through the use of computer, mobile phone or
          other means prescribed by the Bank; and
          that BmBS may be utilized via a mobile phone or any other communication device prescribed by the Bank;
          provided that, the Applicant may not be able to utilize certain services through certain channels;

    3.7 In the case where the Bank provides for the use of the Service by any other means as specified in Clause 3.2
          (3), the Bank may limit the use to certain types of services only, e.g. verification of the account balance and
          account activities movement, but the Applicant may use other services hereunder by proceeding in
          compliance with the provision of Clause 3.2 (1) or (2), as the case may be;

    3.8 that the Applicant may view information and perform transactions via BiBS 24 hours everyday, except for
          transfers of funds into deposit accounts of other individuals, stopping payments of cheques, stopping
          withdrawals from passbooks and for certain activities and transactions which can only be performed during
          the time periods set by the Bank;

    3.9 that the Applicant may view information and perform transactions via BmBS 24 hours everyday, except for
          transfers of funds into deposit accounts of other individuals and for certain activities and transactions which
          can only be performed during the time periods set by the Bank;

    3.10 that the Bank has prescribed the maximum amounts per transaction and per day for each type of 
            transactions effected via this Service, which may be viewed from the Bank’s website. The Applicant may
            adjust any such maximum amounts through the channel used for this Service or any other channel as may
            be specified by the Bank;

    3.11 that any transfer of funds by the Applicant shall only be made from a savings or current account;

    3.12 the Applicant acknowledges that each service provided by the Bank via this Service is governed by the
            provisions, terms and conditions relating to such service which can be viewed by the Applicant at any time
            at the Bank’s website, and the Applicant agrees to be bound by the said provisions, terms and conditions in
            all respects;

    3.13 that in the event the Bank agrees that the Applicant may apply for any service provided by the Bank via this
            Service or via any other channel prescribed by the Bank instead of signing an application for the said
            service, the Applicant agrees to be bound by the terms and conditions governing such service in all respects
            as if the Applicant has applied for such service by signing such application;

    3.14 that transactions relating to foreign currency exchange shall be conducted in accordance with the
            conditions relating to such service;

    3.15 that in the event the Applicant has conducted a transaction via this Service resulting in an overdrawn 
            amount in the Applicant’s current account, the Applicant agrees to be bound by the conditions relating to an
            overdraft as agreed with the Bank or as prescribed by the Bank, as the case may be;

    3.16 that with regard to the stopping payments of cheques via BiBS, the Bank will take a stop payment order
            and proceed promptly, and such stop payment order will take effect immediately after the lapse of 5
            minutes from the time the Bank receives such order. If payment on the cheque cannot be stopped, the
            Applicant will not demand that the Bank be responsible for any loss or damage that may occur;

    3.17 that the Bank may not be able to provide this Service temporarily in the case where the computer system, 
            equipment, communication system or network relating to BiBS is damaged, or under repair or maintenance,
            or where the service is unavailable due to a force majeure event;

    3.18 that the Bank reserves the right to change any terms and conditions as well as service fees. Any such
            changes shall be announced by the Bank at the office/branch or website of the Bank. In case of change of
            service fees, the Bank shall announce or inform the Applicant not less than 30 days in advance;

    3.19 that if the Applicant finds an error in this Service or has any question about account activities, the Applicant
            shall provide the Bank with details thereof for the Bank's investigation. The Bank shall inform the Applicant
            of the result of such investigation within 30 days from the date the Bank receives notice of such error or
            question;

    3.20 that where this Service is used, the Applicant shall not be exempted from personal income tax on interest
            earned on savings accounts maintained with the Bank;

    3.21 in the event the Applicant has applied for this Service by commencing the application process and
            completing it through a method provided by the Bank without signing any document, the Applicant agrees
            to be bound by the relevant terms and conditions prescribed by the Bank in all respects without having to
            sign any documents;

    3.22 that any communication, letters and notices sent by the Bank to the Applicant by postal delivery or by E-
            mail at the address indicated by the Applicant shall be considered as having been duly delivered to the 
            Applicant, and that it is the Applicant's responsibility to notify the Bank immediately of any change of
            address or E-mail address in writing or via BiBS;

    3.23 in the case where the Applicant has agreed to be bound by the terms and conditions governing Bualuang
            iBanking, whether such terms and conditions appeared in the back of the Bualuang iBanking Service
            application form or Bualuang iBanking and Bualuang mBanking Services application form or appeared in the
            Provisions Governing Bualuang iBanking Service pamphlet, or has agreed to be bound by such terms and
            conditions via the Bank’s website or elsewhere, the Applicant agrees to be bound by and to comply with
            these Terms and Conditions in replacement of those previously agreed;

    3.24 the Applicant may transfer funds or make payment transactions via BmBS by only specifying the transferee’s
            account number or the payee’s code. In this case, the Applicant himself/herself shall perform such
            transaction and verify the correctness of the transferee’s account number or the payee’s code and the Bank
            will proceed in accordance with the Applicant’s instructions.
            The Applicant may also use such service via BiBS when informed by the Bank on its website.

    3.25 in utilizing BmBS via BmBS Application installed on the Applicant’s mobile phone or any other communication
            device, the Applicant agrees to the Bank’s verification of any relevant information.
            The Applicant acknowledges that the Applicant may be at risk in utilizing this Service if the operating system
            of the Applicant’s mobile phone or any other communication device is not correct or below standard.

    3.26 For funds transfer or payment of goods and services to the transferee who registered with PromptPay
            Service, the Applicant will verify the correctness of such information by the Applicant herself/himself, and the
            Bank will proceed in accordance with such instructions of the Applicant.

  4. Bank's Responsibilities

    The Bank will be responsible for any loss or damage arising from the Bank’s willful misconduct and gross negligence, to the extent that such loss or damage is ordinarily incurred and shall not be liable for any loss or damage that occurs under special circumstances. However, the Applicant agrees that the Bank shall not be responsible for any loss or damage resulting from:

    4.1. the use of User ID and PIN or Password or the use of Mobile PIN according to the procedures prescribed by
           the Bank regardless of whoever has performed such act;

    4.2. force majeure events or events that are not under the Bank’s control including failure of equipment or
           communication systems, inoperative connection signals, computer virus, unlawful acts or in the case where
           the Bank suspends this Service for the purpose of system upgrade or maintenance, which prevent the
           Applicant from using this Service;

    4.3. delay or error caused by, or deficiency of, computers or equipments of the Applicant, the Bank, Internet
           Service Provider or any other communication network, provided that the Bank shall be responsible if such
           delay, error, or deficiency is caused by the Bank’s wilful misconduct or gross negligence;

    4.4. delay caused by the process of this Service;

    4.5. non-compliance by the Applicant of these Terms and Conditions or any provisions, terms or conditions of any
           service utilized by the Applicant via this Service.

  5. Fees

    The Applicant agrees to pay the annual fee, service fees, and other expenses relating to the use of this Service and other services utilized by the Applicant via BiBS at the rates announced by the Bank. The Applicant agrees that the Bank may deduct any amount from the primary deposit account or any other account of the Applicant to pay for the said fees and expenses.

  6. Disclosure of Information

    The Applicant agrees that the Bank may make inquiry about, keep, collect, use, disclose, or give, certain or all information relating to the Applicant as the Bank deems necessary and appropriate or deems beneficial to the Applicant for the purpose of receiving proposals on other services.

  7. Termination of Service

    7.1 The Bank may terminate this Service at anytime without having to notify the Applicant in the case where:

          (1) the Applicant has not accessed this Service for a period of more than 1 year from the date of completion
               of the application process or from the date of the last access to this Service by the Applicant; or

          (2) for any reason, the Bank is unable to deduct any amount from the Applicant's deposit account to pay for
               the annual fee or service fees.

    7.2 The Bank may terminate BiBS or BmBS or any service provided via BiBS or BmBS without having to inform the
          Applicant in advance.

    7.3 The Applicant may terminate the use of this Service at anytime by giving a 15 banking days' prior written
          notice to the Bank in accordance with the procedures prescribed by the Bank. Such notice shall take effect at
          the end of the 15 banking days' period, and all remaining instructions made in advance through BiBS or BmBS
          that are to be effected after the end of the said period shall be automatically cancelled.
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