Updates to Clarien Credit Card and Debit Card Transaction Handling and Banking Terms & Conditions
Due to regulatory changes, effective March 25th, 2026, credit card transactions that exceed your available credit limit will be declined and debit card transactions that would exceed your available balance or agreed overdraft limit with generally be declined (with limited exceptions). No over limit fee will be charged in these instances. If your current credit limit or overdraft limit may not meet your needs or you have questions, please contact our Client Services team at 296 6969 or via secure iBank message) or your assigned Relationship Manager.
Our Commitment to Customer Data Protection
Data security is of the utmost importance, and Clarien remains committed to respecting and protecting your privacy and personal information. Review our Privacy Statement to learn more about how Clarien collects and processes your personal information as well as your legal rights in relation to your personal information.
We understand that you may have preferences regarding how Clarien uses your personal information. CLICK HERE to submit your preferences and manage how we handle your information.
After consideration of the interest rate environment, recent trends and the decision by the US Fed’s recent decrease of the Fed rate by 0.25%, a change to the Clarien base lending rate is forthcoming:
Commencing: 12 January 2026 (Monday)
BMD Base Rate: Reduction 0.25%
Personal BMD Base: from 6.00% to 5.75%
Commercial BMD Base: from 6.25% to 6.0%
USD Prime Rate: from 7.00% to 6.75%
Clarien SMART Solutions
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