Main banking fees as of, 2015

Transcription

1 Main banking fees as of, 2015 CURRENT ACCOUNTS Current accounts EUR 2,50 / quarter Postal charges: - fortnightly or monthly statement of account - weekly statement of account postal charges / mailing 1 - daily statement of account postal charges / mailing 1 - periodic statement of account EUR 8,00 / quarter Cheque book of 10 cheques (retail customers): TUP Payment order forms: EUR 10,00 / cheque book EUR 2,50 / 45 forms EUR 4,00 / 90 forms Youth accounts: axxess START/UNIF/JOB Postal charges for monthly statements of account: ZEBRA: the all-inclusive current accounts for retail customers Offer e-zebra Monthly fee ZEBRA Monthly fee ZEBRA classic EUR 2,00 EUR 2,50 ZEBRA confort EUR 5,75 EUR 6,50 ZEBRA surf EUR 7,25 EUR 8,00 ZEBRA first EUR 9,50 EUR 10,50 ZEBRA BUSINESS: the complete solution based on a business current account ZEBRA BUSINESS ZEBRA BUSINESS plus EUR 9,75 / month EUR 19,50 / month 1 6 statements of account per quarter 1 / 7

2 Value dates of deposits and withdrawals Bank note currency EUR and BGN, CHF, CZK, DKK, GBP, HUF, HRK, ISK, LVL, LTL, NOK, PLN, RON, SEK without currency exchange EUR and BGN, CHF, CZK, DKK, GBP, HUF, HRK, ISK, LVL, LTL, NOK, PLN, RON, SEK with currency exchange other currencies with and without currency exchange (AUD, CAD, USD, JPY, NZD, ) Deposit Withdrawal Deposit Withdrawal Current account Day of transaction Day of transaction + 1 working day - 1 working day Savings accounts and passbooks SAVINGS PRODUCTS EUR 2,50 / year Account closing balance fee - KNAX, axxess & Fit4Future: Postage for statements of account: Postage for periodic statements of account: EUR 8,00 Issue of a certificate: EUR 8,00 Value dates Product Debit Credit Savings passbook - 10 working days + 11 working days Savings account - 2 working days + 5 working days Rent guarantee savings account Alternative savings account Housing savings account - 1 working day + 1 working day Youth savings accounts: KNAX, axxess, Fit4Future Day of transaction + 1 working day Bearer bonds Subscription of BCEE bearer bonds: Interest payment of BCEE bearer bonds: Custody fees of BCEE bearer bonds in a securities account: Currency: EUR, USD Available terms: 3 months, 1 year or 2, 3, 4, 5, 7, 10 years Minimum denomination for physical delivery: EUR or USD Minimum denomination for dematerialized bearer bonds: EUR or USD Early redemption is possible against payment of a commission. 2 / 7

3 Term deposits Minimum deposit: Available terms: EUR (or equivalent in foreign currency) 1,2,3,4,5,6,7,8,9,10,11,12 months A commission is due for early redemption. This commission equals the actual market debit rate increased by 0,75%, calculated prorata temporis on the remaining period of the fixed term. The amount of the debit interests cannot be higher than the credit interest of the concerned deposit. Value dates: Credit on term deposit: transaction date + 2 working days Debit on current account: transaction date + 2 working days Gradual rate deposits Management fee: Closing balance fee: Withdrawal fee: EUR 25,00 Available terms (version with exit option): 2, 3, 5 years Available terms (version without exit option): 18 months, 2, 3, 5 years Minimum deposit: EUR In both cases, the capital is guaranteed and available at the final maturity date. Any capital withdrawal outside the semi-annual maturity dates (version with exit option) or at the final maturity date (version without exit option) brings the agreement to an end and is subject to the payment of a withdrawal fee and, for the version without exit option, an early redemption fee. FINANCING Loans Annual management fee: EUR 12,00 Quarterly closing balance fee: EUR 2,50 Half-year closing balance fee: EUR 5,00 Annual closing balance fee: EUR 10,00 Closing balance fee for personal & student loans: Issue of certificate: EUR 8,00 Copy of the contract: EUR 15,00 Mortgage redemption fee (in Luxembourg): EUR 175,00 Leasing Accounting fee for bills less than EUR (VAT excluded): EUR 30,00 Early repayment fee: 1% of the repayment value, min. EUR 150,00 and max. EUR 500,00 Claiming fee for outstanding rents: EUR 30,00 Issue of a certificate: EUR 8,00 3 / 7

4 Copy of a document: EUR 3,00 + Postal charges EUR 1,50 Re-leasing fee: EUR 50,00 Recovery and parking fee: EUR 400,00 Sale of material fee: EUR 350,00 Bank guarantees Quarterly management fee: min. EUR 27,00 Fee for claiming the bank guarantee: Retail customer, per claim EUR 50,00 Wholesale customer, per claim EUR 125,00 MISCELLANEOUS CHARGES Accounts Management fee for numbered accounts: EUR 575,00 per year Fee for hold mail: EUR 200,00 per year Reminder overdraft: EUR 3,00 Bank notes Exchange of notes and coins in the same currency: 0,10% of the amount with min. EUR 6,50 Currency exchange for transit customers: EUR 5,00 EUR withdrawal from an e-zebra account at a branch: EUR 1,50 Foreign currency withdrawal from an account held in the same currency: 0,50% with min. EUR 2,50 and max. EUR 250,00 Night deposit Annual management fee: EUR 100,00 Bag: - containing one or more coins 2 EUR 4,00 - containing mixed banknotes and/or unconditioned banknotes 2 EUR 4,00 Missing deposit slip 2 EUR 6,00 Difference between funds remitted and amount mentioned on the deposit slip 2 EUR 6,00 Inquiry charges Inquiry fees: EUR 50,00 per hour Online inquiries with immediate reply: Copy fees for a document related to an inquiry: EUR 3,00 2 Fees are accumulative. 4 / 7

5 Issuing of certificates Certificate confirming balance and/or account interest: EUR 8,00 Postage for periodic statement: EUR 8,00 Certificate confirming securities in custody: EUR 25,00 Confirmation for auditors: EUR 100,00 Termination of business relationship Retail customer (relationship > 12 months): Retail customer (relationship < 12 months): EUR 50,00 Wholesale customer: max. EUR 150,00 Annual fee CARDS V PAY axxess: V PAY S-Card Top: EUR 12,25 VISA Classic: EUR 12,00 VISA Premier: EUR 90,00 VISA Business: EUR 45,00 MasterCard Blue: EUR 12,00 MasterCard Gold: EUR 55,00 MasterCard Business: EUR 45,00 MasterCard Miles & More Blue: EUR 65,00 MasterCard Miles & More Gold: EUR 95,00 MasterCard Miles & More Business: EUR 115,00 Fees for electronic banking services Debit cards Withdrawal in EUR from a BCEE S-BANK ATM: Withdrawal in EUR from another bank s ATM in one of the EU countries: EUR 1,50 (one free withdrawal in EUR per card per month) Withdrawal in other currencies from an ATM located in one of the EU countries (e.g. England, Denmark, Sweden): V PAY network EUR 4,00 Withdrawal from an ATM located in a country outside the EU (e.g. Switzerland): V PAY network EUR 4,00 Payment in EUR in one of the EU countries: Payment in other currencies in one of the EU countries: EUR 0,50 Payment in a country outside the EU: EUR 0,50 5 / 7

6 Credit cards Withdrawal in EUR from a BCEE S-BANK ATM: - by direct debit on current account: - by differed debit (debit via monthly statement): 2% of amount + EUR 2,50 Withdrawal from another bank s ATM in Luxembourg and/or abroad: - by differed debit (debit via monthly statement): 2% of amount + EUR 2,50 Payment in shops with a credit card: Miscellaneous fees Replacement of damaged/defective/lost/stolen card: EUR 12,00 Copy credit card statement EUR 8,00 Safe rental SAFE DEPOSIT BOXES To rent a deposit box you need to be the holder of a current account with BCEE. The rental agreement is valid for one year and is renewable tacitly. A cancellation is possible anytime. The content of the safe is insured up to an amount 5 of EUR The insurance covers break-ins as well as fire and water damages. Most of BCEE s branches are equipped with deposit boxes. The rental fees, depending on the size of the deposit box, are debited automatically from your BCEE current account. Size of deposit box Annual rent VAT included (In EUR) < 17 dm3 45, ,99 dm3 70, ,99 dm3 120, ,99 dm3 180, ,99 dm3 280, ,99 dm3 380, ,99 dm3 650, dm3 950,00 5 An increase of the insured amount can be applied for and will be billed separately. 6 / 7

7 Important notice This is an overview of BCEE s main banking fees as of January 1 st, The various charges listed may be cumulative depending on circumstances. This list of products and services is not exhaustive. For any further questions please do not hesitate to contact the staff at your BCEE branch. With reference to article 19.1, para. 2 and 19.2 of our General Terms and Conditions, it should be noted that Banque et Caisse d Epargne de l Etat, Luxembourg reserves itself the right to realign its charges and commissions. Any modification of commissions, charges or rates implies a corresponding right on the part of the customer to terminate the agreement in question when the resulting cost is unduly high compared with the costs he was entitled to expect on signature of the agreement. Banque et Caisse d Epargne de l Etat, Luxembourg 7 / 7