Wealth and Investment Management Intermediaries. Intermediaries Tariff Guide

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1 Wealth and Investment Management Intermediaries Intermediaries Tariff Guide Prices correct with effect from March 2015

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3 Contents 3 Barclays Intermediaries tariffs International Business Tariff Sterling Account Currency Account International Corporate Tariff Sterling Account Currency Account International Currency Account Tariff International Currency Deposit Account Currency Call Deposit Account 5 Payment charges Making payments Other payment charges Receiving payments 6 Wealth Online Banking charges 7 Other services Trade services Cheque collections and negotiations General services 9 Business segment-specific charges Local business Intermediary business International trading companies 10 Overdrafts, and other related charges Overdrafts Overdraft charges Unpaids out Other information Cheque clearing Unpaids in Direct debits Standing orders Changes to prices Barclays Intermediaries services 13 Glossary 3

4 Barclays Intermediaries tariffs All charges are in sterling (GBP) or the currency equivalent and will be applied quarterly in arrears, unless specified* where those items will be charged at the time. International Business Tariff (IBT) The International Business Tariff is applicable to clients who typically: have an annual debit turnover of less than 500,000 per annum transact fewer than 100 debit entries per quarter have less-complex banking requirements and are not frequent users of the counters that is, do not pay in or withdraw large amounts of cash/numbers of cheques International Corporate Tariff (ICT) The International Corporate Tariff is applicable to clients who typically: have an annual debit turnover of more than 500,000 per annum transact more than 100 debit entries per quarter have more complex banking requirements and are frequent users of the counters that is, pay in or withdraw large amounts of cash/numbers of cheques Sterling Account (IBT) Quarterly maintenance fee: 40 per current account Item charge: 0.64 per cheque, debit/credit entry to account 0.45 per automated entry and inter-account transfer Currency Account (IBT) Quarterly maintenance fee: 40 per current account Item charge: 0.64 per debit/credit 0.45 per automated debit/credit Currency notes paid in/withdrawn from a non-sterling account 2% of total; minimum 10 or currency equivalent*. Sterling Account (ICT) Item charge: 0.64 per debit 0.87 per credit paid in 0.20 per automated credit 0.60 cash paid in (per 100) 0.67 cash paid out (per 100) 1.93 cash exchanged (per 100) 0.29 per cheque paid in 2.34 per unpaid cheque returned to us 0.30 per statement of your account (if issued more frequently than monthly). Free (if issued monthly or less frequently). Currency Account (ICT) Quarterly maintenance fee: n/a Item charge: 0.87 per credit 0.64 per debit 0.20 per automated credit Currency notes paid in/withdrawn from a non-sterling account 2% of total; minimum 10 or currency equivalent*. 4

5 International Currency Account Tariff All charges are in sterling (GBP) or the currency equivalent and will be applied quarterly in arrears, unless specified* where those items will be charged at the time. International Currency Deposit Account (IDA) Interest paying current account cheque book available (not available in sterling). Quarterly maintenance fee: 40 per current account Item charge: Free debits and credits 7.50 per cheque issued (the first five are free*) Currency notes paid in/withdrawn from a non-sterling account 2% of total; minimum 10 or currency equivalent*. Currency Call Deposit Account (OTH) Instant Access Deposit Account in all major currencies except US dollars (USD) and euros (EUR). Quarterly maintenance fee: n/a Item charge: 0.75 per credit 0.64 per debit Currency notes paid in/withdrawn from a non-sterling account 2% of total; minimum 10 or currency equivalent*. Quarterly charging Quarterly interest and commission charges accrue in March, June, September and December and are debited shortly thereafter. The quarterly charging dates are available by request. We will give you approximately 14 days advance notice of the charges to be applied to your account. This advance notification will be by way of a separate Statement of Charges and will include a detailed breakdown. You will therefore be able to check your charges before they are debited to your account. The Statement of Charges will tell you the date on which the charge is to be made. Gross-up If you are required by law to deduct tax from charges payable to us, you shall pay us an additional amount (a gross-up payment) as is necessary to ensure that the net amount we receive is equal to the full amount we would have received had the charges payable by you not been subject to a tax deduction. If your business does not meet these criteria we will be happy to discuss charging arrangements with you and agree a tariff appropriate to the size and nature of your business. 5

6 Payment charges Making payments Standard payments Wealth Online Banking tariff Manual tariff Faster Payments made via Wealth Online Banking up to 100,000 Free* N/A SEPA Credit Transfer (SCT) Urgent payments CHAPS payment Barclays international payment (see other payment charges below) 40** 60** * Subject to standard debit entry ** See other payment charges that may be applicable to international payments. Other payment charges SWIFT BIC and IBAN You will need to supply the SWIFTBIC and IBAN information for any payments that you make in euros to a SEPA country (any EU Member State (28 countries) plus Iceland, Liechtenstein, Monaco, Norway, San Marino and Switzerland). Banks who receive payments without this information are entitled to charge payment repair fee. If you do not provide us with this information with your payment instruction there will be an additional 7.00 charge (or currency equivalent) made when we send your payment. Your payment may be returned or rejected by the beneficiary bank if you do not supply the SWIFTBIC and IBAN. If you do not have these details your beneficiary should be able to provide you with them. Barclays Overseas Delivery Charge If you chose to pay all the charges then an additional Barclays Overseas Delivery Charge may apply to cover any additional costs that may be incurred in the overseas country. If you chose not to pay all the charges then the additional costs will be borne by the recipient. The Barclays Overseas Delivery Charge will vary depending on the country that you are sending the payment to, and in some cases will depend on the amount that you are sending. Tariff 7 or currency equivalent For details please see our Overseas Delivery Charge Guide Payment details incomplete/incorrect If we are required to amend or repair a payment on your behalf prior to it being sent. 20 Payment recall If you request us to try to recall or amend a payment on your behalf. 20 Payment enquiry We may charge for enquiries that we receive in relation to each payment instruction. We will advise you of the charge prior to initiating the investigation on your behalf and you will not be charged if we have made an error. 20 Receiving payments International payments Inward international payments received from overseas. The inward payment charge is not applicable if: 1. the remitter has opted to pay all the charges. 2. the payment meets EU pricing regulations. 3. the payment is a SEPA Credit Transfer. Tariff 16 6

7 Wealth Online Banking charges Access to our website may be limited in some countries due to the prohibited transmission of encrypted data over telephone lines. Please check the legal position in your country of residence. Service Wealth Online Banking standard set-up fee Wealth Online Banking complex set-up fee if you have more than 10 accounts or 10 users on the Wealth Online Banking system then this fee covers the cost of setup, smart cards and smart card readers Standard payments Faster Payments (up to 100,000) Bulk Payment Module BACS payments sent in bulk file i.e. multiple salary or supplier payment Wealth Online Banking inter-account transfers Wealth Online Banking Periodic Charge Wealth Online Banking replacement security cards Wealth Online Banking Management Information module the MI module is a powerful reporting tool which gives you the ability to download reports from Wealth Online Banking for offline working into Excel or other packages, for example financial accounting databases. Please contact your Relationship Manager for further information. Tariff Free 250 Free 50p per individual payment Free Free if Wealth Online Banking payments functionality is being utilised. If it is not being used a charge of 10 per current account, per quarter will be levied. 30 per card 2,500 per annum 7

8 Other services All charges are in sterling (GBP) or the currency equivalent and will be applied quarterly in arrears, unless specified* where those items will be charged at the time. Trade services Service Letters of credit Bills for negotiation Bills for collection Price per item Please contact your Relationship Manager for details Cheque collections and negotiations Service Cheque negotiation/deferred credit Depending on the type of transaction and the currency of the beneficiary account, we calculate interest using one or more of the following variables: FX rate Interest (cost of funds plus margin) Clearance days Additionally, we charge commission as follows Overseas currency cheque crediting a sterling account: 50 or less to Overseas currency cheque crediting a currency account UK currency cheque crediting a currency account Price per item In addition to the fees outlined below, a cheque negotiation fee will also incur an interest charge. Please contact us for further details. Free plus any overseas bank charges* 4 flat fee plus any overseas bank charges* 0.25% of value or 9 minimum to 60 maximum plus any overseas bank charges* 0.25% of value plus any overseas bank charges* 9 flat fee except USD and EUR (free)* 8

9 General services All charges are in sterling (GBP) or the currency equivalent and will be applied quarterly in arrears, unless specified* where those items will be charged at the time. Service Audit letters Tariff 30 plus VAT* Branch drafts 45* Copy documents e.g. fax advices, statements, SWIFT payment statements 5 (per copy statement/advice)* Courier service use of at client s request 50* Fax Codeword and Indemnity Facility Fax at client s request Fax advice service Fixed Deposit cancellation a withdrawal at any time other than maturity Free 10 (per request)* Free 250 plus cancellation costs* Duplicate facility letters 50* General authorities 25* Guarantees Retrieval of cheques Refer to Relationship Manager 10 each* Schedule of securities 10* Status enquiries 20* Stopped cheques (each or per book) Payments made by business debit card 0.45 Counter services Direct Presentation (Special Presentation) minimum cheque value 1,000 20* Encashment at non-account holding branch of more than 5,000 in any one day arranged in the UK, Channel Islands or the Isle of Man Night safe wallets subject to availability and charged quarterly in arrears Free 1% of transaction fee (minimum 50)* 2.25 (per deposit) Open credit arrangements (to establish or amend) 20* BACS BACS referrals 20 BACS recalls 20 BACS over limits exceeding an agreed BACS or BusinessMaster three-day payment limit 50 9

10 Business segment-specific charges Local business Account opening fee Quarterly maintenance fee (for accounts on the International Business Tariff) by negotiation per account Intermediary business Account opening fee Accounts opened in advance (when documentation is not fully complete after two weeks) by negotiation Closing and reopening accounts (e.g. for tax planning purposes) per relationship 250 Change of administrators (requiring change of address/signatory changes etc.) Quarterly maintenance fee (for accounts on the International Business Tariff) High risk country/person charge 50 Refer to Relationship Manager 40 per account by negotiation International trading companies Account opening fee per legal entity* 250 Quarterly maintenance fee (for accounts on the International Business Tariff) 40 per account High risk country/person charge by negotiation * A one-off fee when a corporate account is opened. This fee will be for the corporate name only and not per account opened. 10

11 Overdrafts, and other related charges Overdrafts If you require a new overdraft or increase in your existing facility, even for a short period of time, please contact us in advance to discuss your requirements. The rate of interest charged on an agreed borrowing will always be lower than the rate charged for an unauthorised borrowing. Unpaids out If we have to return cheques, direct debits or standing orders that you have issued/instructed due to a lack of funds in your account, there will be a further charge of 30 for each item returned on each occasion. This charge will be taken at the time. Each overdraft application is considered on an individual basis. If you have agreed your overdraft with us in advance you will only pay interest at the authorised rate on the overdrawn balance. You can overdraw up to an agreed limit at any time but you should not be permanently overdrawn by the whole amount. Overdrafts are repayable on demand. Overdraft charges Authorised borrowing: All our fees for borrowing will be discussed and agreed with you at the time your facilities are set up. They are part of the overall price of borrowing and include, for example: the costs involved in agreeing facilities the ongoing monitoring of financial information and lending conditions throughout the term of a facility Other information Charging dates Quarterly debit interest and commission charges accrue in March, June, September and December and are debited shortly thereafter. The quarterly charging dates are available by request. We will give you approximately 14 days advance notice of the charges to be applied to your account. This advance notification will be by way of a separate Statement of Charges and will include a detailed breakdown. You will therefore be able to check your charges before they are debited to your account. The Statement of Charges will tell you the date on which the charge is to be made. Cheque clearing What is the cheque clearing cycle and how long does it take? If we ask you to provide security, a further fee will usually be charged to cover the additional costs. If there are any substantive changes to the basis of your borrowing arrangement during the term of your facility, any associated fees will always be discussed with you at each stage. Unauthorised borrowing: The standard interest rate for unauthorised borrowing is charged at 29.5 per cent per annum. If there are insufficient funds in your account when we receive cheques or other debits for payment you will incur an account control fee of 25. This will only be charged when: the overdrawn position has not been pre-agreed the overdrawn position or any subsequent increase in overdrawn position exceeds 100 When you pay a cheque into your account it has to be sent to the drawer s bank for payment, for that bank to decide if it will honour the cheque. It may not if, for example, there is not enough money in the drawer s account. This process is known as the central cheque clearing cycle and normally takes three working days. We also need to allow extra days for an unpaid cheque to be returned. The table on page 11 will help you understand when cheques paid into your account start to earn interest and become available for withdrawal in the UK. It will also show you when you can be certain the funds will not be reclaimed from your account as a result of the cheque being returned unpaid (see the reference to unpaid cheques overleaf). 11

12 Clients will earn interest (or reduced overdraft interest) on cheques no later than two working days after the day of deposit. Clients will be able to withdraw against cheques no later than four working days after the day of deposit. Clients can be certain that six working days after the day of deposit, cheques paid into their accounts cannot be returned unpaid. They are protected from any loss unless they are a knowing party to a fraud. Please note: Many branches have a cut-off time, after which cheques paid are processed the following working day. Cut-off times are available in branches. There are no exceptions (extensions) to the timetable for Scottish and Northern Irish cheques or for Cash Card and International Student accounts. If you pay in cash or cheques at the Post Office to your Barclays account, it takes two working days longer to process them than if you paid them in at a Barclays branch; so it takes two days longer than shown in the chart. This table applies to sterling cheques drawn and deposited in the UK. Day 0 Day 1 Day 2 Day 3 Day 4 Day 6 e.g. Mon e.g. Tue e.g. Wed e.g. Thu e.g. Fri e.g. Tue Cheque paid in at any Barclays branch Inter-bank exchange Pay/No pay decision made and interest earned/reduced Returned cheques received by beneficiary s bank Available for withdrawal If cheque has not been debited to the client s account by the end of the sixth working day the cheque is paid*. Unpaids in If a cheque you have deposited into your account is returned unpaid, the value of it will be debited from your account even if you have withdrawn the money in the meantime. However, you can be certain that an unpaid cheque will not be debited from your account later than six working days after deposit without your permission or unless there is a suspicion that a fraud has been committed. Direct debits A direct debit is an instruction from a customer to their bank or building society authorising an organisation to collect varying amounts from their account, as long as the customer has been given advance notice of the collection amounts and dates. Direct debits are used for collecting a variety of regular and occasional bills including utility payments, insurance, council tax, mortgages, loans and subscriptions. The Direct Debit Scheme protects you and your money by means of the Direct Debit Guarantee. This Guarantee is offered by all banks and building societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own bank or building society. If the amounts to be paid by direct debit or the payment dates change, the organisation collecting the payment will notify you normally 10 working days in advance of your account being debited or as otherwise agreed. If an error is made by the company or your bank or building society, you are guaranteed a full and immediate refund from your branch of the amount paid. You can cancel a direct debit at any time by writing to your bank or building society. Please also send a copy of your letter to the originator/company. Further information can be obtained from * Funds will not be debited from your account as a result of the cheque being returned unpaid later than this day. As Barclays processes payments overnight, you will know at the start of business on day seven whether or not the cheque has been paid. 12

13 Standing orders With a standing order you make the request for a regular payment, rather than the organisation taking the payment. If you want to amend or cancel your original instruction you can do so at any time by contacting us up to the business day before the payment is due to be taken from your account. Payments made by standing order are subject to a payment limit of 100,000 and will normally arrive the same day providing the recipient s account accepts Faster Payments. Intermediaries services If you require a service which is not set out in this tariff, your International Banking Centre will advise you of the cost at the time of agreeing the service. We reserve the right to charge for staff time in exceptional circumstances. Any charges relating to staff time will be discussed and agreed prior to us providing the service. barclays.com/wealth Changes to prices These prices are variable and we reserve the right to amend them from time to time. We will give you a minimum of two months written notice of any changes, except for changes where we have agreed to track Base Rate or have specified a shorter period in your Agreement. 13

14 Glossary Audit letters Letters written by us to your accountant certifying details of your account. Branch drafts Similar to a cheque but drawn by Barclays at your request. Debit turnover In the context of our International Corporate Tariff, turnover is defined as the total value of debit entries on your account, excluding transfers between your bank accounts held at the same Barclays branch. Faster Payments Service (FPS) The FPS allows participating banks to provide their clients with the capability to send low-value electronic payments in sterling that will reach the beneficiaries account the same day. The majority of payments are completed within two hours. Operating 24 hours a day, 7 days a week, 365 days a year, the FPS will run alongside existing UK payment schemes such as BACS and CHAPS. The scheme is available within Barclays for telephone, internet, written, faxed and face-to-face payment instructions. The single payment limit is 100,000. Open credit arrangement An arrangement that allows you to withdraw funds regularly from a branch of Barclays other than the branch where your account is held. SEPA Credit Transfer (SCT) The Single Euro Payments Area (SEPA) is a major initiative to create a single integrated payments system for euro payments across the SEPA countries (27 EU member states, plus Norway, Iceland, Liechtenstein, Monaco and Switzerland). It will allow you to make domestic and crossborder euro payments within Europe as easily and under the same conditions as national and domestic payments. To send payments by the new service the payment must: be in euros be sent to a bank in a SEPA country which is a member of the SEPA Credit Transfer scheme, and include a valid SWIFT BIC and IBAN for the beneficiary s account Please note: Only clients from our Knightsbridge (London), Gibraltar, Switzerland and Cyprus centres are eligible to make a SCT. If you request a SCT and we are unable to route it that way, we will send it via an international payment. Where the receiving organisation operates on a collection account basis, for example credit card accounts or utility companies, the payment may not be credited to a specific account on the same day. Direct Presentations Also known as Special Presentation or Express Cheque Service. This can be used if you require specific clearance of a cheque to establish whether or not it has been paid. Participating banks are Abbey, Alliance & Leicester, Barclays, Citi Group, Co-operative Bank, Danske Bank, HBOS, HSBC, Lloyds TSB, National Australia Group, Nationwide, Northern Rock and RBS. Night safe wallets Used for depositing cheques and cash outside normal banking hours. The wallet is opened by branch staff and the contents credited to your account. Stopped cheques You instruct us not to pay a cheque that you have issued. Inter-bank claims charges from other banks These are claims from other banks for services that they have provided to you. If we receive a claim, it will be charged in full to you at the time it is received. 14

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16 This item can be provided in Braille, large print or audio by calling * (via TextDirect if appropriate). * Lines are open 7am to 11pm UK time, seven days a week. Calls to 0800 numbers are free if made from a UK landline. Charges may apply when using a mobile phone or calling from abroad. Call costs may vary please check with your telecoms provider. Calls may be recorded so that we can monitor the quality of our service and for security purposes. Barclays offers wealth and investment management products and services to its clients through Barclays Bank PLC and its subsidiary companies. Barclays Bank PLC is registered in England and authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered No Registered Office: 1 Churchill Place, London E14 5HP. Barclays Bank PLC is licensed by the Isle of Man Financial Supervision Commission. Barclays Bank Plc, Isle of Man Branch has its principal business address in the Isle of Man at Barclays House, Victoria Street, Douglas, Isle of Man. Deposits made with the Isle of Man office of Barclays Bank PLC are covered by the Isle of Man Depositors Compensation Scheme as set out in the Depositors Compensation Regulations Barclays Bank PLC places funds with other parts of its group and thus its financial standing is linked to that of the group. Publicly available information, including reports and accounts, is obtainable from barclays.com/wealth/important-information.htm Barclays Bank PLC is regulated by the Jersey Financial Services Commission. Barclays Bank PLC has its principal address in Jersey at 13 Library Place, St Helier, Jersey, JE4 8NE, Channel Islands. Barclays Bank PLC is a participant in the Jersey Banking Depositor Compensation Scheme. The Scheme offers protection for eligible deposits of up to 50,000. The maximum total amount of compensation is capped at 100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website or on request. Barclays Bank PLC, Guernsey Branch is licensed by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law 1994, as amended, and the Protection of Investors (Bailiwick of Guernsey) Law 1987, as amended. Barclays Bank PLC, Guernsey Branch has its principal place of business at: Le Marchant House, St Peter Port, Guernsey, Channel Islands, GY1 3BE. Barclays Bank PLC, Guernsey branch, is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for qualifying deposits up to 50,000, subject to certain limitations. The maximum total amount of compensation is capped at 100,000,000 in any 5 year period. Full details are available on the Scheme s website or on request. Details of the Scheme can also be obtained by telephoning us on 44 (0) or by writing to us at Barclays Bank PLC Guernsey Branch, 6/8 High Street, St Peter Port, Guernsey, Channel Islands, GY1 3BE. Barclays Bank PLC is authorised by the Gibraltar Financial Services Commission to conduct banking and investment business in Gibraltar. Barclays Bank PLC is regulated by the Central Bank of Cyprus in the conduct of its banking and investment business in Cyprus. Barclays Bank (Suisse) SA is a Bank registered in Switzerland and regulated and supervised by FINMA. Registered No. CH Registered Office: Chemin de Grange-Canal 18-20, P.O. Box 3941, 1211 Geneva 3, Switzerland. Registered branch: Beethovenstrasse 19, P.O. Box, 8027 Zurich. Registered VAT No. CHE Barclays Bank (Suisse) SA is a subsidiary of Barclays Bank PLC. Item Ref: PP833. May 2015

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