Please read the following before using Emergency Cash

These terms and conditions are in addition to the Terms and Conditions for Text Banking

1. This service will only operate when you have sufficient available funds in your account to allow us to process your instruction. It will not allow you to exceed any overdraft limit (should you have one).
2. The account debited & charged will be the account selected by you as your default account when registering for this service.
3. karlsruhe Baden Bank cannot take responsibility for the security of your mobile phone nor that of the recipient. Both parties should ensure the security of both devices throughout the transaction.
4. There is a charge of CHF2 applied to your account each time you use this service. This is applied as soon as you authorise this service and regardless of whether the funds are accessed by the recipient, it is debited from your account at the time of each activation of this service.
5. The Emergency Cash Service provides CHF100 to be debited from your account with us, not the recipients account with us (if any). This amount is pre-set and cannot be changed. This service can only be used by you, as a customer of karlsruhe Baden Bank, a maximum of twice in any thirty day period and a maximum of once a day.
6. Once you activate this service by confirming all of the recipients details, a text message will be sent to the recipient's mobile device containing the Emergency Cash Code. The recipient has 2 hours from the time that you activate this service in which to access the funds, not from the time at which the text is received. It is your responsibility to ensure that this is understood by the recipient.
7. If the funds are not accessed within 2 hours of your authorisation, the Emergency Cash Code will expire. The CHF2 charge will not be refunded.
8. The recipient can only access the funds from a karlsruhe Baden Bank ATM within the Republic of Switzerland. They will not be able to access the funds at an ATM operated by any other financial institution.
9. The recipient will be advised to press the “Enter” key on the ATM to initiate the withdrawal. The recipient will not be able to access any other services at the ATM. They will not need to use an ATM card in any way during this transaction.
10. karlsruhe Baden Bank cannot take responsibility for the accuracy of the recipient's mobile number that you submit. It is your responsibility to ensure that this number is correct.