TARIFF OVERVIEW December 2015

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1 TARIFF OVERVIEW December 2015

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3 Contents 1. Standard transactions and various services 4 2. SEPA credit transfers 5 3. Transfers outside SEPA 6 4. Exchange commission 7 5. Cash withdrawals and deposits (at branch) 8 6. Debit cards 9 7. Credit cards Savings accounts BIL offer for private persons BIL offer for youth clients BIL offer for professional clients Stock exchange transactions Investment funds Custody fees Securities other charges Tax Relief and Reclaim Safe deposit box 22 3

4 1. Standard transactions and various services Account maintenance Account administration End of Period account statement current account (half yearly) or overdraft facility (quarterly)) End of Period account statement savings account (yearly) EUR 7,50/end of period statement EUR 5/end of period statement Closing of accounts * Cash accounts EUR 50 Cash and securities account EUR 100 * only if first account has been opened for less than 1 year and if the client ends the global relationship with BIL Account statement Paperless Postage to Luxembourg Postage to other countries in Europe Hold mail with BIL/mail held due to no address as per current postal rate as per current postal rate EUR 150/year Various services Numbered account EUR 200 Conditional standing order EUR 125 Simple enquiry fees (duplicate, banker s reference, certificate) Simple enquiry fees (duplicate, banker s reference, certificate), for BIL Direct clients Complex enquiry fees 10 EUR VAT excl./document 25 EUR VAT excl./document EUR 50/hour min. EUR 25 (VAT excl.) Auditor's letter EUR 100 Set of transfer forms EUR 2,50 4

5 2. SEPA credit transfers Eurotransfer BIL Definition BIL eurotransfer fees apply in accordance with European regulation No 260/2012, to all transfer orders: in euros, to ororiginating in any member country of the SEPA zone (Luxembourg ), quoting the IBAN and BIC. Incoming funds to a BIL account Outgoing funds from a BIL account Transfers made by debiting your BIL account Electronic transactions using BILnet & MultiLine & Direct debit & Standing orders Paper transfer forms to own BIL account to another BIL account to another bank in Luxembourg or the SEPA zone EUR 0,50 24 free transfers per month EUR 1 up to 2 free transfers per month* EUR 2 up to 2 free transfers per month* * Non-cumulative offer. Transactions can be mixed up to a maximum limit equivalent to 2 transfers to a BIL account per month. Additional charges Urgent transfer EUR 6,20 Transfer entered at a branch counter EUR 5 Group transfer on non-electronic medium EUR 2 per credit entry Same day value transfer EUR 25 Additional charges for transfer orders quoting incorrect IBAN and/or BIC International transfer EUR 5 Correspondent fees Transfer fees are charged on a shared fee basis (SHARE): BIL remits the entire amount requested by the customer; domestic charges may be deducted in the country of the beneficiary. If the instruction is for Fees to be charged to the originator of the transfer order (OUR) on international transfer orders, correspondent fees will be added to BIL s eurotransfer fee (tariff : see Transfers outside SEPA ). 5

6 3. Transfers outside SEPA International transfer orders outside European regulation No 260 / 2012 Definition BIL fees for international transfers outside European regulation No 260 / 2012 apply to : all transfer orders to a non SEPA country (whatever the amount and whatever the currency) all transfer orders in a currency other than euros (whatever the amount and to whatever country of destination), all transfer orders which do not quote the IBAN and BIC. Incoming funds (fees deducted from the incoming amount) 0,20% min. EUR 5 / max. EUR 40 Outgoing funds (all destinations) Electronic form Other form 0,15% min. EUR 5 / max. EUR 100 0,20% min. EUR 5 / max. EUR 125 Additional charges Urgent transfer EUR 6,20 Same day value transfer EUR 25 Correspondent Fees 0,20% min. EUR 10/max. EUR 100 The sum to be credited to the beneficiary will be transferred in full and all costs are charged to the BIL customer if the option OUR (All costs charged to the originator of the order) is selected. In this case, the following standard correspondent fees are added to the transfer charges. BIL reserves the right to bill for correspondent fees actually charged if they are substantially higher than EUR

7 Correspondent bank charges USD For transfers in USD with shared payment of charges (SHA) or with charges to be paid by the beneficiary (BEN) Amounts in USD Exit flat rate , $ 100, $ 1.000, $ 5.000, $ , $ , $ , $ , $ > $ The Bank cannot guarantee the amount actually credited to the beneficiary of a US account, due to US banks charging their own fees in addition to the correspondent bank fees. All transfers Fees in the amount of EUR 5, plus any fees charged to us by our correspondent(s), shall be invoiced to the client in respect of any reversion of funds from the beneficiary s bank. These fees shall not be invoiced in the event that the bank has committed an error. 4. Exchange commission Exchange commission 0,10% min. EUR 3 / max. EUR 250 7

8 5. Cash withdrawals and deposits (at branch) Cash withdrawals (at branch) Amount in EUR (countervalue in EUR) EUR 5 > where no specific denominations are requested 0,30% of the amount > where specific denominations are requested 0,45% of the amount Additional charges: Urgent withdrawals (without prior order) EUR 250 Cash withdrawals and deposits in currencies Cash currency Account currency Value dates EUR EUR Booking day EUR PSD currency * Booking day + exchange commission PSD currency * EUR Booking day PSD currency * 1 PSD currency * 1 Booking day PSD currency * 1 PSD currency * 2 Booking day + exchange commission EUR PSD currency * Other currency Other currency Booking day + exchange commission Booking day + exchange commission Other currency EUR 1 jour working day Other currency PSD currency * 1 jour working day + exchange commission Other currency 1 Other currency 1 2 jours working days Other currency 1 Other currency 2 2 jours working days + exchange commission * PSD currencies : EUR, BGN, CHF, CZK, DKK, HUF, ISK, NOK, PLN, RON, SEK, GBP Others fees Ordering of exotic currencies EUR 6,20 Cash deposit by third party EUR 5 Non customers EUR 5 8

9 6. Debit cards V PAY Card/ ServiCard V PAY V PAY Graffiti Annual charge EUR 16 Stopping and replacing of a stolen or lost card EUR 16 EUR 6 Modification and issue of a new card EUR 16 Replacement of a defective card Withdrawal on BIL Servibank network Loading of a photo EUR 4 Withdrawal in euro on V PAY network in the European Union 1 st withdrawal per month per card free, then 1.90 Withdrawal in euro on the V PAY network outside the EU EUR 5 Withdrawal in currencies on the V PAY network in and outside the EU EUR 5 V PAY payment in euro inside the EU Payment in euro on the V PAY network outside the EU EUR 0,90 Payment in currencies on the V PAY network in and outside the EU EUR 0,90 9

10 7. Credit cards MasterCard VISA Webcard Blue Gold Silver Worldwide Platinum Platinum International Classic Business Annual charge EUR 10 EUR 16 EUR 55 EUR 75* EUR 100 EUR 200 EUR 580 EUR 16 EUR 5* Urgent order (card ou PIN) Stopping and replacing of lost or stolen card Replacement of a defective card Direct withdrawal from BIL Servibank Cash advance Exchange commission** EUR 50,26 EUR 16,00 EUR 4,00 + 2,5% of the amount advanced from 1,01% to 1,16% from 1,24% to 2,09% * For the first 5 cards, then sliding scale pricing ** For all details, please contact your relationship manager 10

11 8. Savings accounts No notice savings account Plus savings account Cash+ savings account Initial deposit EUR 100 Currencies EUR EUR / CHF / DKK / GBP / AUD / CAD / NZD / USD / NOK / SEK / CZK / HUF / PLN EUR Interest rates base rate + growth premium + loyalty premium base rate base rate + growth premium + loyalty premium Interest credited net, at the end of the year net, at the end of the period Value dates deposits Value dates withdrawals + 15 calendar days + 2 working days Booking date - 15 calendar days - 2 working days - 15 calendar days Statement period annual Semi-annual End of period statement charges Regular statement Dispatch charges EUR 5 Monthly as per current postal rate Eligibility Account reserved for moral persons 11

12 9. BIL offer for private persons BIL Home BIL City BIL World Monthly standard tariff EUR 2,50 EUR 6,50 EUR 10 Tariff youth 25 to 29 years EUR 1 EUR 4 EUR 6,50 Tariff youth 18 to 24 years EUR 5 Transfers Eurotransfer BILnet/Bilnet Mobile TUP to BIL TUP to another SEPA bank up to 4 /month* up to 2 /month up to 6 /month * up to 3 /month * up to 10 /month * up to 5 /month * Standing orders Digicash transactions Direct debits (SEPA) Half-yearly statement Paperless Paper statement postal charges Quarterly: Other periods: postal charges Quarterl or monthly: Other periods: postal charges Token LuxTrust Debit cards Servicard V PAY max. 2/account V PAY/ Servicard V PAY max. 2/account V Pay/ Servicard V PAY max. 2/account Personalization of debit card Withdrawals in EUR outside BIL 1 free of charge/month 2 free of charge/month 4 /month Classic credit cards Visa Classic/ Mastercard Blue max. 2/account Visa Classic/ Mastercard Blue max. 2/account Mastercard Gold max. 2/account Webcard Rate overdraft account preferential rate One-off commission personal loan -50% Special rate personal loan preferential rate * non-cumulative 12

13 10. BIL offer for youth clients B-Student (1) B-Active (2) Tariff (18-29 inclusive) Transfers Eurotransfer BILnet/Bilnet Mobile TUP to BIL TUP to another SEPA bank Standing orders Digicash transactions Direct debits (SEPA) Half-yearly statement Paperless Paper statement Token LuxTrust Debit cards Personalization of debit card up to 2 /month* up to 1 /month * postal charges V PAY / Servicard V PAY max. 1/account (1) Debit cards withdrawals outside BIL Classic credit cards in EUR on the V PAY network within the EU: 4 s/month suppl: EUR 1,40 other currencies : 4 s/month suppl: EUR 5 Visa Classic in EUR on the V PAY network within the EU: 2 s/month suppl: EUR 1,40 Visa Classic/ Mastercard Blue max. 2/accounts Mastercard Gold 2 years free, standard rate thereafter: EUR 55/year Webcard Rate overdraft account preferential rate Mortgage loan application fees Rate consumer loan preferential rate Completion fee Wüstenrot mortgage savings scheme standard standard rate - 0,25% Completion fee Alizéa pension savings plan standard no collection charges Carte Jeune Européenne Garantie locative * non-cumulative without charges (if a pledge is provided) standard EUR 25 loan application fees (1) Exclusively available to clients aged 18 to 29 inclusive who are enrolled in an academic institution. BIL may request proof of student status on an annual basis. (2) Exclusively available to clients aged 18 to 29 inclusive who are active in the labour market and receive their salary through a BIL account. (1) et (2) Clients may enjoy their package until the age of 30. In the month after their 30th birthday, the Client will be automatically transferred from the B-Active or the B-Student to the BIL City package, which incurs charges, unless the Client notifies us in advance of their decision to opt for another fee package or terminate the relationship. 13

14 11. BIL offer for professional clients PRO One PRO World Baueren a Wënzer Quarterly tariff EUR 50 EUR 100 EUR 30 Half-yearly statement Paperless Paper statement BILnet Monthly: Other periods: postal charges Multiline Luxtrust certificate token 1/2 tariff other cert. PRO token Transfers Eurotransfer BILnet / OP / SDD TUP to BIL TUP to another SEPA bank up to 25 /month* up to 6 /month* up to 3 /month* up to 50 /month* up to 10 /month* up to 5 /month* up to 25 /month* up to 6 /month* up to 3 /month* V PAY debit card Credit card Visa Classic or MC Blue Webcard Credit card Visa Business or MC Business max. 1 of your choice max. 2 of your choice Investment loan One-off commission - 50% Overdraft loan One-off commission - 50% * non-cumulative 14

15 12. Stock exchange transactions Stock exchange charges (shares - bonds) Standard charges via branch Shares and ETF * Bonds * - primary and secundary markets 1,25% min. EUR 75 1,00% min. EUR 75 * Excluding local taxes, broker fees and handling fees (Available in-branch on request). Charges via BILnet A flat rate commission of 0.30% * (minimum EUR 25) is applied to securities bought or sold via BILnet on the stock exchanges. * Excluding broker fees and handling fees, see below, and excluding local taxes. 15

16 Broker fees and handling fees on share transactions (via BILnet) Exchange Broker fees (%) Minimum (EUR) Handling Fees South of Africa 0,10 % ZAR 50 Germany (XETRA) 0,04 % 6 Australia 0,07 % AUD 15,77 Austria 0,08 % 15 Belgium 0,03 % 4 Canada 0,06 % 15 CAD 10 South Korea 0,07 % KRW Denmark 0,05 % DKK 29 Spain 0,05 % 12 United States 0,06 % 15 USD 4 Finland 0,05 % EUR 3,50 France 0,03 % 5,50 United Kingdom 0,05 % 18 GBP 10 Greece 0,10 % EUR 95 Hong Kong 0,07 % HKD 100 Hungary 0,14 % HUF 790,19 Indonesia 0,07 % IDR Ireland 0,05 % EUR 30 Italy 0,04 % 8 Japan 0,07 % JPY Luxembourg 0,00 % 2,50 Malaysia 0,07 % MYR 252 Netherlands 0,05 % NOK 29 New zealand 0,50 % 75 NZD 56,73 Norway 0,03 % 5,50 Philippines 0,07 % PHP 1 122,38 Poland 0,14 % PLN 120 Portugal 0,05 % 10 Singapore 0,07 % SGD 138 Sweden 0,05 % SEK 29 Switzerland 0,06 % 8 CHF 25 Thailand 0,07 % THB Broker fees (default) 0,60 % 50 If an order is executed over several days, the brokerage fees apply for each day on which the transaction took place. 16

17 Broker fees and handling fees on bonds (via BILnet) Exchange Broker fees (%) Minimum (EUR) Handling Fees Germany (XETRA) 0,125 % 15 2,50 Belgium 0,085 % 10 2,50 Denmark 0,085 % 10 2,50 France 0,085 % 10 2,50 Italy 0,085 % 10 2,50 Netherlands 0,085 % 10 2,50 Sweden 0,085 % 10 2,50 Switzerland 0,100 % 15 2,50 Broker fees (default) 0,085 % 10 2,50 There are no broker fees for bond transaction orders Over-the-counter (OTC: orders not made through a stock exchange). Transaction fees for options and futures Options Futures 2% of the premium (min. EUR 75) + broker fees* EUR 25 per contract (min. EUR 75) + broker fees* * broker fees available in branch upon request. 17

18 13. Investment funds Standard branch charges* Entry fee Money market funds 0,10% Other funds max. 3% Exit fee Money market funds Other funds max. 0,50% * Excluding fees paid to the promoter and/or fund. Charges for transactions via BILnet An exceptional 30% reduction in initial charges is offered for Funds purchased via BILnet. 18

19 14. Custody fees Annual custody fees Standard branch custody fees Investment funds and bonds 0,25% (max.) Min. EUR (excl. VAT) per item and min. EUR (excl. VAT) Precious metals 0,275% per securities account per year Distributed and / or issued products by the BIL (funds, bonds, certificates of deposit, BIL Structured Products) Custody fees are calculated on the total amount of the securities. Custody fees applied on purchase of securities The fee is calculated according to the acquisition date and is payable on acquisition. Sliding scale of fees (following entry date) In Branch via BILnet from to % of standard fee from to % of standard fee from to For subsequent years, the annual custody fee is payable in advance. This amount, calculated on the securities held in safe custody as at , is debited at the end of each year as advance payment for the following year. 19

20 15. Securities other charges Corporate actions Domicilié BIL Non-Domicilié BIL Corporate actions franco 0,50% min. EUR 15 Transcription of registered certificate (charge per certificate) Reconversion of Belgian certificates to the originals (charge per conversion) EUR 50 Blocking of certificates for general meeting Immobilisation of bearer securities issued by Luxembourg companies Creation of register, per secuity EUR 300 Account entry (per deposit) EUR 150 Change (per change) EUR 150 Annual custody services for securities (perdeposit) EUR 100 Any non-specified activity (per hour) EUR 120 Sealed deposits / Safe deposit key Minimum annual charge per non-security deposit Minimum annual charge per deposit of safe deposit key Minimum daily charge by category EUR 50 + VAT EUR 12,50 + VAT Sliding scale of fees Entries from to Entries from to Entries from to % of standard fee 50% of standard fee Free of charge 20

21 Acceptance of securities If free of payment If against payment EUR 75/item Delivery of securities BIL to BIL BIL to other banks (Luxembourg/foreign countries) if free of payment if against payment Minimum EUR 125/item 0,15% on market value EUR 62,50/item Withdrawal or forwarding of securities BIL securities Non-BIL rights, all stock exchanges Non-BIL securities (*) expenses covering repatriation, making available for collection EUR 7,50/item EUR 7,50/item * Important! Belgian tax on repatriation of securities: +0.6% on physical delivery of Belgian securities (The percentage is computed on the basis of last official quotation or on the nominal value for unlisted fixed-income securities). 21

22 16. Tax Relief and Reclaim Formalities with regard to double taxation treaties in respect of income on foreign securities (equities and bonds): annual fee: EUR 100 per securities account, tax relief (application of a lower withholding tax): 10% of the tax relief, tax reclaim (ex-post recovery of taxes): 10% of the amount reclaimed. These fees are subject to 17% VAT. The conditions relating to our investment services as well as the list of foreign countries of issue may be obtained from your relationship manager. 17. Safe deposit box Volume en dm 3 Without VAT 7 15,99 EUR ,99 EUR ,99 EUR ,99 EUR ,99 EUR ,99 EUR EUR EUR 540 +/- 479 EUR 850 Fixed rate to replace the lock of a safe EUR 475 Fixed rate to force the lock of a safe EUR 575 Non-resident customers Minimum rental period Guarantee Deposit of EUR 750, refundable at the end of the contract 1 year 22

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