Current Account

Statement

0656

Mrs R M Ivanco
235 Marsh Road
LUTON
LU3 2RT

Your FlexAccount Statement date: 09 April 2023 Sort code 07-08-06

transactions Statement no: 16 1 of 6 Account no 28854401

Start balance £3.89

End balance £275.02

Date Description £ Out £ In £ Balance
Average credit
2023 Balance from statement 15 dated 09/03/2023 3.89 £594.52
balance

10 Mar Bank credit AMAZON UK SERVICES 367.97 Average debit

balance £0.00
Payment Maria Rus 50.00
Receiving an

Contactless Payment 2.44 319.42 International Payment?

LIDL GB LEAGRAVE LEAGRAVE NAIAGB21

BIC

11 Mar ICELAND LEAGRAVE 4.00 IB AN GB71 NAIA 070 8 0 62 8 8544 01

Swift
Contactless Payment 15.65
Intermediary Bank MIDLGB22
LIDL GB LEAGRAVE LEAGRAVE

Contactless Payment 18.85

LIDL GB LEAGRAVE LEAGRAVE

Contactless Payment 23.41

POLSKIE SMAKI LTD LUTON LU3

Contactless Payment 29.45

POLSKIE SMAKI LTD LUTON LU3

NI NUMBER APP - AG LTD BLACKBURN 35.00

VMS SCOPAY LUTON 38.15 154.91

13 Mar Contactless Payment 3.49

Luton Market Luton

Effective Date 12 Mar 2023

Contactless Payment 3.60

STS Supermarket Luton

Effective Date 12 Mar 2023

Contactless Payment 18.14

POUNDSTRETCHER LUTON

Effective Date 12 Mar 2023

Contactless Payment 7.90

Yogoo Luton - Enjoyyour Luton

GOOGLE ****9440

Contactless Payment 8.04

LIDL GB LEAGRAVE LEAGRAVE

GOOGLE ****9440

Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078.

Head Office: Nationwide Building Society, Nationwide House, Pipers Way, Swindon, SN38 1NW
10/14.4pt_DC83 (30 June 2014)_CSIS
 Your FlexAccount
transactions (continued)

Date Description £ Out £ In £ Balance

2023 113.74

13 Mar Contactless Payment 32.62 81.12

Magazin Romanesc Luton

GOOGLE ****9440

14 Mar Contactless Payment 3.80

Statement
AMAZON LTN1 (BAXTERSTO MILTON 9 April 2023
date
GOOGLE ****9440
Statement no 16 2 of 6
Contactless Payment 4.25 73.07
Sort code 07-08-06
AMAZON LTN9 (BAXTERSTOREY

GOOGLE ****9440 Account no 28854401

15 Mar Payment Maria Rus 20.00

Bank credit Maria Rus 100.00

Contactless Payment 3.05

AMAZON LTN1 (BAXTERSTO MILTON

GOOGLE ****9440

Contactless Payment 3.50 146.52

AMAZON LTN1 (BAXTERSTO MILTON

GOOGLE ****9440

16 Mar FLORES BOUTIQUE WWW.FLORESBOU 63.93 82.59

17 Mar Bank credit AMAZON UK SERVICES 367.97

Payment Maria Rus 20.00

Contactless Payment 2.00

AMAZON LTN1 (BAXTERSTO MILTON

GOOGLE ****9440

Contactless Payment 4.25 424.31

AMAZON LTN9 (BAXTERSTOREY

GOOGLE ****9440

18 Mar Contactless Payment 3.10

AMAZON LTN9 (BAXTERSTOREY

GOOGLE ****9440

Contactless Payment 4.25

AMAZON LTN1 (BAXTERSTO MILTON

GOOGLE ****9440

Contactless Payment 22.96 394.00

POLSKIE SMAKI LTD LUTON LU3

20 Mar VMS SCOPAY LUTON 15.00

Contactless Payment 7.86 371.14

STS Supermarket Luton

21 Mar Contactless Payment 5.79

SUBWAY 69447 Marsh Road Luton

GOOGLE ****9440

Contactless Payment 7.30

POUNDSTRETCHER LUTON

GOOGLE ****9440

DC86 (May 2014 CSIS

 Your FlexAccount
transactions (continued)

Date Description £ Out £ In £ Balance

2023 358.05

21 Mar Contactless Payment 17.27

POLSKIE SMAKI LTD LUTON LU3

GOOGLE ****9440

AMZNMktplace amazon.co.uk 77.89 262.89

Statement
22 Mar LIDL GB LEAGRAVE LEAGRAVE 2.99 9 April 2023
date
LIDL GB LEAGRAVE LEAGRAVE 2.79
Statement no 16 3 of 6
LIDL GB LEAGRAVE LEAGRAVE 10.75
Sort code 07-08-06
LIDL GB LEAGRAVE LEAGRAVE 14.18

Contactless Payment 6.07 Account no 28854401

POLSKIE SMAKI LTD LUTON LU3

Contactless Payment 16.47 209.64

LIDL GB LEAGRAVE LEAGRAVE

GOOGLE ****9440

23 Mar Contactless Payment 0.69

PPOINT_*STS SUPERMARKET L LUTON

GOOGLE ****9440

Contactless Payment 25.90 183.05

SAINSBURYS S/MKTS LUTON

GOOGLE ****9440

24 Mar Bank credit AMAZON UK SERVICES 367.97

Bank credit 203028Y0G DWP UC 1,750.46

Contactless Payment 2.44

STS Supermarket Luton

GOOGLE ****9440

Contactless Payment 8.95

GREGGS PLC LUTON

GOOGLE ****9440

Contactless Payment 39.08 2, 251.01

LIDL GB LEAGRAVE LEAGRAVE

GOOGLE ****9440

27 Mar E.ON NEXT COVENTRY 364.00

Effective Date 26 Mar 2023

WWW.AFFINITYWATER.CO.U HATFIELD 279.31

Just Eat London 32.59 1, 575.11

28 Mar Contactless Payment 4.50

POUNDSTRETCHER LUTON

GOOGLE ****9440

Contactless Payment 7.86

Luton Market Luton

GOOGLE ****9440

Contactless Payment 12.95

ICELAND LEAGRAVE

GOOGLE ****9440

DC86 (May 2014 CSIS

 Your FlexAccount
transactions (continued)

Date Description £ Out £ In £ Balance

2023 1, 549.80

28 Mar Contactless Payment 13.50

ICELAND LEAGRAVE

GOOGLE ****9440

Contactless Payment 18.55 1, 517.75

Statement
POLSKIE SMAKI LTD LUTON LU3 9 April 2023
date
GOOGLE ****9440
Statement no 16 4 of 6
29 Mar Direct debit SKY MOBILE 77.00
Sort code 07-08-06
Contactless Payment 21.40

LIDL GB LEAGRAVE LEAGRAVE Account no 28854401

GOOGLE ****9440

Contactless Payment 23.40

POLSKIE SMAKI LTD LUTON LU3

GOOGLE ****9440

VMS SCOPAY LUTON 25.20 1, 370.75

30 Mar Contactless Payment 6.21

POLSKIE SMAKI LTD LUTON LU3

GOOGLE ****9440

BRAISWICK PHOTOGRAPHIC C MANNIN 22.75

Contactless Payment 37.99 1, 303.80

LIDL GB LEAGRAVE LEAGRAVE

GOOGLE ****9440

31 Mar Bank credit AMAZON UK SERVICES 367.97

Direct debit VODAFONE LTD 34.30

Payment to KARRA SOLUTIONS LT 1, 200.00

Nationwide cashback Feb VISACLP0316 7.93

Contactless Payment 0.75

AMAZON LTN5 BIRMINGHAM

GOOGLE ****9440

Contactless Payment 1.10

AMAZON LTN5 BIRMINGHAM

GOOGLE ****9440

Contactless Payment 1.10

AMAZON LTN5 BIRMINGHAM

GOOGLE ****9440

Contactless Payment 1.30

AMAZON LTN1 (BAXTERSTO MILTON

GOOGLE ****9440

Contactless Payment 8.28

SUBWAY 69447 Marsh Road Luton

GOOGLE ****9440

Contactless Payment 17.35

POLSKIE SMAKI LTD LUTON LU3

GOOGLE ****9440

AMZNMktplace amazon.co.uk 18.98 396.54

DC86 (May 2014 CSIS

 Your FlexAccount
transactions (continued)

Date Description £ Out £ In £ Balance

2023 396.54

01 Apr Bank credit RAMONA MARINELA IV 200.00

UBER *EATS HELP.UBER.COM 32.49 564.05

03 Apr Contactless Payment 2.37

LIDL GB LEAGRAVE LEAGRAVE

Statement
Effective Date 02 Apr 2023 9 April 2023
date
STS Supermarket Luton 6.99
Statement no 16 5 of 6
Effective Date 02 Apr 2023
Sort code 07-08-06
Contactless Payment 9.50

POUNDSTRETCHER LUTON Account no 28854401

Effective Date 02 Apr 2023

Direct debit ACTIVE LUTON 17.40

Direct debit NEST CLIENT ACCOUN 86.00

Contactless Payment 4.98

NEWWEST GROUP LTD LONDON NW8

Contactless Payment 6.58

LIDL GB LEAGRAVE LEAGRAVE

Contactless Payment 8.99

STS Supermarket Luton

UBER *EATS HELP.UBER.COM 58.13 363.11

04 Apr Contactless Payment 2.15

LIDL GB LEAGRAVE LEAGRAVE

Contactless Payment 12.20

ICELAND LEAGRAVE

GOOGLE ****9440

Contactless Payment 12.66

LIDL GB LEAGRAVE LEAGRAVE

Contactless Payment 13.30

POLSKIE SMAKI LTD LUTON LU3

Contactless Payment 19.40 303.40

POLSKIE SMAKI LTD LUTON LU3

GOOGLE ****9440

05 Apr Direct debit VODAFONE LTDDEVICE 30.00

Contactless Payment 3.60

STS Supermarket Luton

Contactless Payment 8.35

POLSKIE SMAKI LTD LUTON LU3

Contactless Payment 9.57

STS Supermarket Luton

STS Supermarket Luton 12.98

Contactless Payment 20.00

POUNDSTRETCHER LUTON

UBER* EATS LONDON 47.18 171.72

06 Apr Bank credit AMAZON UK SERVICES 382.93

DC86 (May 2014 CSIS

 Your FlexAccount
transactions (continued)

Date Description £ Out £ In £ Balance

2023 554.65

06 Apr Contactless Payment 4.35

LIDL GB LEAGRAVE LEAGRAVE

Contactless Payment 8.78

POLSKIE SMAKI LTD LUTON LU3

Statement
Contactless Payment 18.57 9 April 2023
date
LIDL GB LEAGRAVE LEAGRAVE
Statement no 16 6 of 6
AMZNMktplace amazon.co.uk 130.37 392.58
Sort code 07-08-06
07 Apr Contactless Payment 8.85

POLSKIE SMAKI LTD LUTON LU3 Account no 28854401

LIDL GB LEAGRAVE LEAGRAVE 11.02

Contactless Payment 21.32 351.39

LIDL GB LEAGRAVE LEAGRAVE

08 Apr Contactless Payment 4.69

PPOINT_*STS SUPERMARKET L LUTON

Contactless Payment 7.28

POLSKIE SMAKI LTD LUTON LU3

Contactless Payment 10.44

LIDL GB LEAGRAVE LEAGRAVE

Contactless Payment 14.12

POLSKIE SMAKI LTD LUTON LU3

Contactless Payment 18.65

LIDL GB LEAGRAVE LEAGRAVE

Amazon.co.uk*5V1720AS5AMAZON.CO. 21.19 275.02

DC86 (May 2014 CSIS

 Your FlexAccount
Please check your statement to make sure everything's correct.

If there's anything you're unsure about please get in touch or if

you've changed any of your contact details, you need to let us know.

Interest, Rates and Fees

We work out overdraft interest each day and take it from your account each month. FlexAccount doesn't currently pay any credit interest.

Unless stated otherwise, all rates and fees are variable and we can change them at any time.

If we have to give you notice of a fee or interest we'll let you know by including a 'Notice of Charges' page with your next regular statement, and we’ll apply the

amount to your account 28 days after the statement date.

Summary box for your Have you lost your card or cheque book or had them stolen? Let us know

FlexAccount
straight away, either via the Banking app (if you have it) or by calling us on

08000 55 66 22 . You can report lost or stolen cards and cheque books 24/7.

This information doesn't replace your Terms and Conditions

AER Gross p.a.

Credit interest
All balances AER stands for Annual Equivalent Rate and shows
0.00% 0.00%
what the interest rate would be if interest was

Arranged overdraft interest 39.9% per year compounded (variable) paid and compounded once a year.

As an example, if you borrow £500 for an

£3.26 for 7 days
arranged overdraft it will cost you:

Gross p.a. is the inte rest rate without tax deducted.

£13.99 for 30 days
Overdraft *For the 60 day example, we’ve applied the

charges for the first 30 days, on day 31. This

interest and
means that the charge in the second month
charges
£28.37 for 60 days*
is higher as we charge interest on the interest Our per year compounded interest rate shows

you’ve incurred up to that point. the rate of interest that you’ll pay on your

overdraft over a year and takes account of the fact

Unarranged overdraft interest 0% per year
we charge interest each month on your balance

and this will include any interest which has already

M ont hly max imum charge (unarranged ove rdraft) £0 per month
been added to your account previously.

Sending money within the UK

Chaps £20 transaction fee each time

Receiving money within the UK

Charges for SEPA (euros) £0 transaction fee
To receive sterling payments into your account, the
specialist
person making the payment will need to quote your
services SWIFT (foreign currency except euros) £20 transaction fee each time
sort code and your 8 digit account number, which

you’ll find on the front of your statement. Entering

Sending money outside the UK
account numbers incorrectly can mean payments

SEPA (euros within the SEPA region) £0 transaction fee being misdirected, so please be sure to provide the

correct details.

SWIFT (except euros within the SEPA region) £20 transaction fee each time
Receiving money from outside the UK and
receiving money from within the UK in a
For Visa exchange rates, visitvisa.co.uk/support/consumer/travel-support/exchange-
Foreign usage currency other than sterling
rate-calculator.html

SWIFT - someone making a payment to you

Cash withdrawal in foreign currency outside the UK
must quote your Bank Identifier Code (BIC) and
*If you make a
2.75% of the transaction amount
International Bank Account Number (IBAN). The
wit hdrawal in a Non-Sterling Transaction Fee
(2.99% from 3 June 2020)
BIC and IBAN are the international equivalents of
foreign currency
your UK sort code and account number.
from a LINK ATM Non-Sterling Cash Fee £0 per withdrawal
An international payment will also need to quote
or ove r the counter

Cash withdrawal in foreign currency within the UK the SWIFT Intermediary Bank number as we're
your transaction
using the routing services of an Agent Bank. You'll
will normally reach
2.75% of the transaction amount
Non-Sterling Transaction Fee* find this number along with your BIC and IBAN on
us as a sterling
(2.99% from 3 June 2020)
the front of your statement.
cash transact ion so
Non-Sterling Cash Fee* £0 per withdrawal
non-ste rling fees SEPA Credit Transfer - someone making a

won’t apply . payment to you must quote your International Bank

Debit card payment in foreign currency
Account Number (IBAN). Your IBAN is found on the

2.75% of the transaction amount front of your statement.

Non-Sterling Transaction Fee
(2.99% from 3 June 2020)

Banking of cheques - You can pay money into or out of your account by cheque. To find out more information about cheque interest, clearing times, withdrawals

and certainty, please visit nationwide.co.uk/cheque

If you have a problem with your account, and wish to complain, please try to settle it with us first. If you're not happy with the way in which we handled your complaint

or the outcome you may be able to complain to the Financial Ombudsman Service. We'll give you details of how to contact the Ombudsman.

Importantinformation about compensation arrangements

The deposits in this account are eligible for protection under the Financial Services Compensation Scheme (FSCS). An Information Sheet and Exclusion List which provides

information about the FSCS and the protection that it provides can be found at nationwide.co.uk/fscs-info

For further information about the compensation provided by the FSCS, refer to the FSCSwebsite at www.FSCS.org.uk
Alternatively, please visit your local branch or call 03457 30 20 11 to request a copy or to chat to us about your account. For more information about our opening times, visit:

nationwide.co.uk/contact-us

DC84 (January 2023) CSIS