PRICE LIST. Private Clients

Transcription

1 PRICE LIST Private Clients

2 Contents: Bank accounts... 3 Bank packages... 4 Cash deposits... 5 Cash withdrawals... 5 Cards... 6 Transfers... 7 Other payments... 8 SMS Services... 9 e-banking... 9 e-statement... 9 Periodic payment orders... 9 Call center service... 9 Other services Price list Information on bank fees not included in the price list may be obtained from the Bank s staff, upon client s request. Unless otherwise stated, interest rates for savings accounts, savings plan, ProKid and term-deposits shall be annual interest rates The interest shall be calculated based on simple interest using the actual method (365 or 366 days for the leap year). The bank calculates the Effective Interest Rate on deposits and loans based on the CBK regulations for the Effective Interest Rates and requirements for disclosure and it is disclosed in the contract between the bank and the customer. The calculation method is provided by the bank staff on customer request. Effective date: 12/10/2015 2

3 Bank accounts 1.0 Bank accounts 1.1 Current account (1) EUR Other currencies (USD) Account opening Account maintenance (monthly) Account authorization (EUR, USD, CHF, GBP) 2.50 The authorization on Pension account (ProPen) N/A Account closure 1.2 Savings account (2) Account opening N/A Account maintenance (monthly) N/A Account authorization (EUR, USD, CHF, GBP) 2.50 Savings account interest 0.05% N/A Account closure 1.3 ProKid account (3) Account opening N/A Account maintenance (monthly) N/A ProKid account interest 0.15% N/A Account closure N/A 1.4 Savings plan account Account opening N/A Payment order minimum amount 5.00 N/A Savings plan interest 0.05% N/A Savings plan bonus (4) 0.50% N/A Account closure N/A 1.5 Term-deposit account Account opening N/A Account closure Term-deposit interest rates 5,000 - <500,000 Term-deposit penalty rate, closed prior to maturity, is 1.5 x future interest (5) (6) < 12 months N/A N/A 12 months 0.05% N/A 24 months 0.10% N/A 36 months 0.50% N/A 48 months 1.00% N/A 60 months 1.50% N/A (1) For each current account opening a minimum deposit of 200 EUR, USD and a debit card in EUR is required. Salary receivers or recipients of regular income need not have a minimum deposit, but are required to present a valid employment, pension or rent contract, whereas for students who present evidence from the university and who are up to 24 years of age, this deposit is 20 EUR, USD. (2) To open a savings account, salary recivers or other regular income must have a minimum deposit of 50 EUR, or a standing order connected with an account where the minimum amount cannot be less than 5 EUR. For other clients, the minimum balance shall be 500 EUR. (3) ProKid accounts for kids up to 16 years old will be credited with 5 EUR as a gift from the Bank upon opening the account, non-withdrawal before one year. (4) Bonus interest rate is applicable if the clients reach one year of regular monthly payments. (5) For term deposits higher than 500,000 please visit the nearest branch. (6) Interest rate for existing term deposits with automatically renewal (6 months) will be 0.01%. (7) If the need for transfers to customers that do not receive salaries is identified, e-banking service has to be taken. N/A 3

4 2.0 Bank packages EUR Service Basic Package Standard Package Advanced Package Current account Debit card e-statement Client identification code e-banking SMS Notification SMS TopUp Balance via SMS OVD Revolving Card/Credit Card Monthly price (fee for e-banking token with validy of five years-eur 10) 3.00 (including 3 SMS notifications free of charge) *This packages are offered only to salary receivers. 2.1 ProDynamic package (student package) Current account Savings account Debit card issuance fee Debit card maintenance fee Overdraft (optional) e-banking (optional) Package maintenance fee 2.50 (refer section 5. Cards) 0.05% daily interest on overdrawn amount token fee 2.2 ProDirect package Current account Savings account Debit card issuance fee 2.5 (refer section 5. Cards) Debit card maintenance fee Credit card issuance fee (optional) 5.00 Credit card maintenance fee Overdraft (optional) 0.05% daily interest on overdrawn amount e-banking (optional) Package maintenance fee (quarterly) Refer to the following table: ProDirect Current account Savings account Debit card Overdraft Credit card e-banking Price per quarter

5 3. Cash deposits (1) EUR Other currencies (USD, CHF,GBP) 4. Cash withdrawals (3) EUR Other currencies (USD, CHF, GBP) PRICE LIST - Private Clients 2.3 ProDynamic Plus package Current account Savings account Debit card issuance fee 2.50 (refer section 5. Cards) Debit card maintenance fee Credit card issuance fee (optional) 5.00 Credit card maintenance fee Overdraft 0.05% daily interest on overdrawn amount e-banking Package maintenance fee (quarterly) 7.00 Cash operations 3.1 Bank Cash in Deposits Applicable to all values 3.2 ATM Cash in Deposits Up to 9,995 EUR N/A 3.3 PayBox Cash in Deposits (2) Up to 1,000 EUR per transaction N/A 3.4 Coin Deposits Up to 30,00 EUR N/A Above EUR 5% min N/A 3.5 Deposits to current accounts by third parties Applicable to all values Deposits of damaged money Damaged money 1.50% N/A Money for collection 3.00 % min N/A 4.1 Cash withdrawal in ATMs In ATMs within the Bank's premises N/A In ATMs outside the Bank's premises 0.15/withdrawal N/A 4.2 Cash withdrawal in bank <=1, >1, <=10, >10, <=50, % of the amount withdrawn >50, <=100, % of the amount withdrawn >100, % of the amount withdrawn 0.05% of the amount withdrawn 0.05% of the amount withdrawn 0.10% of the amount withdrawn 5

6 4.3 Withdraw/ transfers for more than one time during the month from saving accounts For all withdraw amounts ), 3) Deposits and withdrawals fees will be applied in all accounts excluding Pension Accounts. Without prior notice, daily withdrawal limit is EUR Above this amount, two days prior notice is required. Without prior notice, daily withdrawal limit in other currencies is 5,000 USD/CHF/GBP. Above this amount, two days prior notice is required. 2) Depositing limit per client in the PayBox is nine deposits within a day. 3) For each deposit over EUR in coins, the minimum commission will be 5.00 EUR. Cards 5. Cards (1) EUR 5.1 Debit cards Application/Issuance 2.50 Maintenance Purchases at ProCredit Bank in Kosovo POS Purchases at POS of other banks in Kosovo 1.00% Purchases at POS abroad 0.50% Purchases at POS of ProCredit Bank Albania and Macedonia Withdrawals in ATMs of other banks and abroad Withdrawals in ATMs of ProCredit Bank Albania, Macedonia and Bosnia and Herzegovina 5.2 Credit cards 2.25% (min. 3) Application/Issuance 5.00 Maintenance (2) Purchases at ProCredit Bank in Kosovo POS 1.00 Purchases at POS of other banks in Kosovo 1.00% Purchases at POS abroad and payments via Internet 0.50% Purchases at POS of ProCredit Bank Albania and Macedonia Withdrawals in ATMs of ProCredit Bank in Kosovo 2% (min. 5) Withdrawals in ATMs of other banks 2.5% (min. 5) Withdrawals in ATMs abroad 2.5% (min. 5) 5.3 Revolving credit card Application/Issuance 5.00 Maintenance Purchases at ProCredit Bank in Kosovo POS Purchases at POS of other banks in Kosovo 1.00% Purchases at POS abroad and payments via Internet 0.50% Purchases at POS of ProCredit Bank Albania and Macedonia Withdrawals in ATMs of ProCredit Bank in Kosovo 2% (min. 5) Withdrawals in ATMs of other banks 2.5% (min. 5) Withdrawals in ATMs abroad 2.5% (min. 5) Interest rate on remaining amount 12.90% Penalty rate 0.10% daily 6

7 5.4 ATM retained cards and reset of PIN in ATMs and POS ATM retained cards within the Bank's premises Other banks retained cards ATM retained cards outside the Bank's premises 2.50 Reset of PIN number due to exceeding the number of attempts in POS Change of PIN in ATM fee 1.00 Change of PIN in POS fee Pension cards (3) Application/issuance for account holder Application/issuance prior to expiry date 2.50 Application/issuance for authorized persons 2.50 Purchase at ProCredit Bank POS (Point of Sales) in Kosovo Withdrawals in ProCredit Bank Kosovo ATMs Bank account balance Change of PIN Code in ATM Change of PIN Code in POS Card transaction investigation fee D Secure ipin - Internet PIN ) Debit cards and credit cards validity shall be 3 years. 2) First and second credit cards annual fee shall be 20 EUR. If the first card is part of the package, the annual maintenance shall not be paid 3) These cards are issued for pensioners receiving pension in a ProPen account Transfers 6. Transfers 6.1 Transfers within ProCredit Bank EUR Other currencies (USD, CHF,GBP) Via e-banking In bank Through periodic payment order To the accounts of the same client Outgoing transfers to other banks in Kosovo Via e-banking 0.75 N/A In bank 2.00 N/A Via e-banking with priority 4.00 N/A In bank with priority 5.00 N/A Through periodic payment order 0.75 N/A 6.3 Outgoing international transfers (1) Via e-banking 0.30% ( min15, max 1,500) 0.30% ( min.15 USD max.1,500 USD, min 20 CHF, min 10 GBP) In bank 0.30% ( min15, max 1,500) 0.30% ( min.15 USD max 1,500 USD, min 20 CHF, min 10 GBP) 7

8 6.4 Outgoing money transfers (third banks fees or charges) Third bank charges standard flat fee USD, CHF, GBP 6.5 Reclamations/modifications for international outgoing transactions: Investigations/modifications for outgoing transfers less than 1 month Investigations/modifications for outgoing transfers more than 1 month 6.6 Incoming transfers from other banks in Kosovo Applicable to all values 1.00 N/A 6.7 Incoming international transfers (2) EUR, USD, CHF, GBP 10 plus third party commissions EUR, USD, CHF, GBP 30 plus third party commissions <50 > % ( min.15 USD,20 CHF,10 GBP) > % ( min15, max 750) (max.750 USD) 6.8 Reclamation/return of international transfers (2) Reclamation fee ProPay transfers - with ProCredit Bank Group banks Incoming transfers - only in USD Outgoing transfers (3) 0.15% (min 15) 0.15% ( min 15 USD, 15 CHF 10 GBP) 6.10 ProPay transfers - with ProCredit Bank Group banks via e-banking. Incoming transfers - only in USD Outgoing transfers ) For incoming international transfers with OUR commissions, in case that additional expenses occur, they will be included in the administrative expenses and will be debited from the beneficiary account. The price for all International Incoming Money Transfers with OUR commission, executed /received through ProCredit Bank Germany shall be zero (0.00). 2) For outgoing international transfers with OUR commissions, in addition to commissions mentioned in paragraph 6.4, also the flat commissions of corresponding, in the amount of EUR, shall be paid. 3) For outgoing ProPay transfers with OUR commissions, additional commission have to be paid, in addition to commissions mentioned in paragraph % of the amount or min. EUR 5.00 / USD Other payments - EUR 7.1 Collection payments for clients Branch e-banking Non-client To public institutions (municipalities, courts, TAK, etc) For monthly bills (KEDS, PTK, water supply company etc.) For businesses (universities and private schools, etc.) To micro-finance institutions To other institutions (embassies, insurance companies, etc.)

9 Electronic services 8. SMS Services EUR 8.1 SMS notice (1) Application fee Maintenance fee Price per SMS SMS Top Up Application fee Phone refill fee 0.15 Bundle packages refill fee SMS balance Price per SMS 0.20 (1) There three possible schemes to receive SMS notice. Clients shall receive SMS depending on the amount of transaction: a. >=50 EUR, b. >=100 EUR, c. >=200 EUR 9. e-banking 9.1 Standard e-banking Application fee Maintenance fee Price for token and re-issuance (token validity - 5 years) e-banking premium (clients may operate also with the accounts they have been authorized for) Application fee e-statement Application fee Maintenance fee 11. Periodic payment orders 11.1 Periodic payments Application for service within ProCredit Bank Application for service with other banks Call center service 12.1 Client identification code Account opening 2.50 Changes in the contract (adding new accounts to the existing contract) 9

10 Other services 13. Other services EUR 13.1 Print of the current account statement once per month 13.2 Re-print of the current account statement for the same month Confirmation that the client holds a bank account Visa confirmation Confirmation on repaid load Provision for collateral replacement (deregistration/ modification) 13.7 Copy of documents (special request from clients file), up to 6 months old 13.8 Copy of documents (special request from clients file), above to 6 months old