@viccie30
I'm sure they have updated their terms. But only the kind of terms they just send out, I don't recall ever having to sign them.

Maybe because I only have the most basic account type, the kind that everyone is required to have, so they can't refuse even if people don't sign. Or maybe because they believe that they are a bank and thus above the law, they can just make their own rules, no contract needed. Probably a bit of both.