UBB INTEREST RATES TARIFF FOR ACCOUNTS OF INDIVIDUALS

Transcription

1 UBB INTEREST RATES TARIFF FOR ACCOUNTS OF INDIVIDUALS i. BGN ii: EUR iii: USD iv: GBP v: CHF vi: Interest calculation basis vii: Interest accrual period 1

2 BGN Time deposit min.1000 Up to Up to Over days 3,00% 3,10% negotiable 90 days 4,20% 4,40% negotiable 180 / 270 days 4,70% 4,80% negotiable 360 days 5,60% 5,90% negotiable Forex Deposit with an option for changing the deposit currency * min months 5,00% 12 months 6,00% 24 months 6,25% *Until expiry of the agreement period the deposit currency may be changed, as the currency conversion shall be made at UBB buy/ sell rate for the respective currencies on the transaction date. Upon a change in the agreement currency, the Bank will pay the accrued interest till the currency conversion date on the current account in the respective currency. Upon termination of the agreement ahead of maturity on the part of the depositor, without changing the currency, the bank will pay to the current account in the respective currency the deposited amount and interest, under the standard terms and conditions for a current account in the respective currency for the days of the deposit. Upon termination of the agreement ahead of maturity, after a made change in the currency, the Bank will pay to the current account in the respective currency the deposited amount and interest, under the standard terms and conditions for a current account in the respective currency for the days of the deposit, as the depositor shall owe a fee for termination ahead of maturity equaling 0.10% per month on the principal for the period from the date of the termination ahead of maturity till the maturity date. Now deposit with advance payment of interest min. 250 Up to Over months 5,00% 6,00% 6 months 6,00% 7,00% 12 months 6,00% 6,00% Premium 6-month deposit min. 250 First period (first two months) 4,00% Second period (second two months) 6,00% Third period (third two months) 8,00% Premium annual deposit min First period (first four months) 4,00% Second period (second four months) 5,00% Third period (third four months) 9,00% 360-day Bonus deposit* min.1000 Interest rate with included 1/12 bonus 7,00% Annual Interest Rate 6,47% * Promotional offer refer to newly opened deposits for the period from till

3 Long-term deposit min years deposit 6,25% 3 years deposit 6,50% In case of preterm termination of a long-term deposit 80,00% of the accrued and paid interest Standard Open deposit Up to Over month 0,20% 4,00% 3 months 0,20% 4,80% 6 months 0,20% 5,00% 12 months 0,20% 5,90% Child Open deposit Up to Up to months 0,20% 5,25% 6 months 0,20% 5,50% 12 months 0,20% 6,00% Leva Plus savings deposit Up to ,00% From 1 000,01 to 2 000,00 2,25% From 2 000,01 to 3 000,00 2,50% From 3 000,01 to 5 000,00 3,00% Over 5 000,01 3,50% My Choice savings account * Without debit With debit 12 months 6.00% 3.00% 36 months 5.75% 2.85% 60 months 5.75% 2.85% * The indicated interest rates shall be applied depending on the absence or presence of debit transactions on the account. In case that during the respective month no withdrawal is made from the account, it should be accrued with the indicated interest rates in column Without debit transactions. In case of withdrawal of funds from the account, it shall be accrued with the indicated interest rates in column With debit transactions for the respective month. In case that no debit transactions are made in a following month, interest rates in column Without debit transactions will be valid again. After reaching a balance of BGN or EUR or USD , the sum above the maximum threshold shall be accrued with the interest rate for standard savings account. In case of failure to pay 3 consecutive monthly payments, the conditions for accruing interest for standard savings account shall be applied. After expiry of the agreement, the funds on the account shall be accrued with the interest rates that are valid for standard savings account. Privilege account* Up to 750,00 5,50% From 750,01 to 1500,00 3,25% Over 1 500,01 1,75% * The interest rate shall be accrued and paid on the client s account on quarterly basis. 3

4 Comfort account* Up to 1 500,00 3,75% From 1 500,01 to 3 000,00 2,25% Over 3 000,01 1,75% *In case of monthly proceeds to the account less than BGN 100 over a period of 4 consecutive months, Comfort Account will be accrued with an interest rate as a standard current account. Demand deposit 2,50% Child savings deposit 5,00% Current account 0,20% 4

5 EUR Time deposit min. 500 Up to Up to Over days 3,25% 3,50% negotiable 90 days 3,90% 4,10% negotiable 180 days / 270 days 4,30% 4,50% negotiable 360 days 5,20% 5,50% negotiable Forex Deposit with an option for changing the deposit currency * min months 4,30% 12 months 5,50% 24 months 3,75% *Until expiry of the agreement period the deposit currency may be changed, as the currency conversion shall be made at UBB buy/ sell rate for the respective currencies on the transaction date. Upon a change in the agreement currency, the Bank will pay the accrued interest till the currency conversion date on the current account in the respective currency. Upon termination of the agreement ahead of maturity on the part of the depositor, without changing the currency, the bank will pay to the current account in the respective currency the deposited amount and interest, under the standard terms and conditions for a current account in the respective currency for the days of the deposit. Upon termination of the agreement ahead of maturity, after a made change in the currency, the Bank will pay to the current account in the respective currency the deposited amount and interest, under the standard terms and conditions for a current account in the respective currency for the days of the deposit, as the depositor shall owe a fee for termination ahead of maturity equaling 0.10% per month on the principal for the period from the date of the termination ahead of maturity till the maturity date. Now deposit with advance payment of interest min. 125 Up to Over months 4,00% 4,50% 6 months 4.50% 5,00% 12 months 5,00% 5,00% Premium 6-month deposit min. 125 First period (first two months) 4,00% Second period (second two months) 5,00% Third period (third two months) 6,00% Premium annual deposit min First period (first four months) 2,00% Second period (second four months) 3,00% Third period (third four months) 6,00% 360-day Bonus deposit* min Interest rate with included 1/12 bonus 6,00% Annual Interest Rate 5,55% * Promotional offer refer to newly opened deposits for the period from till

6 Long-term deposit min year deposit 3,75% 3 year deposit 4,25% In case of preterm termination of a long-term deposit 80,00% of the accrued and paid interest Standard Open deposit Up to EUR Over EUR month 0,40% 3,45% 3 months 0,40% 3,55% 6 months 0,40% 3,75% 12 months 0,40% 4,75% Child Open deposit Up to EUR Over EUR months 0,40% 3,85% 6 months 0,40% 4,05% 12 months 0,40% 4,95% Euro Plus savings deposit Up to ,60% From 2 000,01 to 3 000,00 0,90% From 3 000,01 to 5 000,00 2,00% Over 5 000,01 3,50% My Choice savings account * Without debit With debit 12 months 5,50% 2,75% 36 months 4,70% 2,35% 60 months 4,70% 2,35% * The indicated interest rates shall be applied depending on the absence or presence of debit transactions on the account. In case that during the respective month no withdrawal is made from the account, it should be accrued with the indicated interest rates in column Without debit transactions. In case of withdrawal of funds from the account, it shall be accrued with the indicated interest rates in column With debit transactions for the respective month. In case that no debit transactions are made in a following month, interest rates in column Without debit transactions will be valid again. After reaching a balance of BGN or EUR or USD , the sum above the maximum threshold shall be accrued with the interest for standard savings account. In case of failure to pay 3 consecutive monthly payments, the conditions for accruing interest for standard savings account shall be applied. After expiry of the agreement, the funds on the account shall be accrued with the interest rates that are valid for standard savings account. Demand deposit 1,20% Child savings deposit 2,50% Current account 0,40% 6

7 USD Time deposit min. 500 Up to Up to Over days 2,30% 2,40% negotiable 90 days 2,60% 2,70% negotiable 180 days / 270 days 2,90% 3,10% negotiable 360 days 4,20% 4,30% negotiable Forex Deposit with an option for changing the deposit currency * min months 2,90% 12 months 4,20% 24 months 4,20% *Until expiry of the agreement period the deposit currency may be changed, as the currency conversion shall be made at UBB buy/ sell rate for the respective currencies on the transaction date. Upon a change in the agreement currency, the Bank will pay the accrued interest till the currency conversion date on the current account in the respective currency. Upon termination of the agreement ahead of maturity on the part of the depositor, without changing the currency, the bank will pay to the current account in the respective currency the deposited amount and interest, under the standard terms and conditions for a current account in the respective currency for the days of the deposit. Upon termination of the agreement ahead of maturity, after a made change in the currency, the Bank will pay to the current account in the respective currency the deposited amount and interest, under the standard terms and conditions for a current account in the respective currency for the days of the deposit, as the depositor shall owe a fee for termination ahead of maturity equaling 0.10% per month on the principal for the period from the date of the termination ahead of maturity till the maturity date. Now deposit with advance payment of interest min. 125 Up to Over months 3,50% 4,00% 6 months 4,00% 4,50% 12 months 4,00% 4,00% Premium 6-month deposit min. 125 First period (first two months) 2,00% Second period (second two months) 5,00% Third period (third two months) 6,00% Premium annual deposit min First period (first four months) 2,00% Second period (second four months) 3,00% Third period (third four months) 7,00% 360-day Bonus deposit* min Interest rate with included 1/12 bonus 4,25% Annual Interest Rate 3,93% * Promotional offer refer to newly opened deposits for the period from till

8 Long-term deposit min year deposit 4,20% 3 year deposit 4,70% In case of preterm termination of a long-term deposit 80,00% of the accrued and paid interest Standard Open deposit Up to USD Over USD month 0,10% 2,30% 3 months 0,10% 2,80% 6 months 0,10% 3,40% 12 months 0,10% 3,70% Plus savings deposit Up to ,60% From 2 000,01 to 3 000,00 1,00% From 3 000,01 to 5 000,00 1,40% Over 5 000,01 1,80% My Choice savings account * Without debit With debit 12 months 4.00% 2.00% 36 months 3.70% 1.85% 60 months 3.70% 1.85% * The indicated interest rates shall be applied depending on the absence or presence of debit transactions on the account. In case that during the respective month no withdrawal is made from the account, it should be accrued with the indicated interest rates in column Without debit transactions. In case of withdrawal of funds from the account, it shall be accrued with the indicated interest rates in column With debit transactions for the respective month. In case that no debit transactions are made in a following month, interest rates in column Without debit transactions will be valid again.' After reaching a balance of BGN or EUR or USD , the sum above the maximum threshold shall be accrued with the interest rate for standard savings account. In case of failure to pay 3 consecutive monthly payments, the conditions for accruing interest for standard savings account shall be applied.. After expiry of the agreement, the funds on the account shall be accrued with the interest rates that are valid for standard savings account.. Demand deposit 1,20% Current account 0,10% 8

9 GBP Time deposit min. 500 Up to Over days 1,80% negotiable 90 days 1,90% negotiable 180 days 2,00% negotiable 270 days 2,25% negotiable 360 days 2,45% negotiable Demand deposit 0,50% Current account 9

10 C H F Time deposit min days 0,20% 90 days 0,50% 180 / 270 days 0,70% 360 days 0,80% Demand deposit Current account 10

11 Interest calculation basis Current accounts of individuals and corporate clients 365/365 (366/366) Current accounts of financial institutions 360/360 Deposits of individuals and corporate clients 365/365 (366/366) Deposits of financial institutions 360/360 Savings accounts 365/365 (366/366) Credit accounts 360/360 Interest Rate Accrual Period Current accounts Deposits annually according to the agreed period Interest rate upon termination ahead of maturity The Bank shall pay an interest at a percentage, equal to the interest rate on a current account in the respective currency, in accordance with the effective as of the moment of termination UBB AD Interest rates Tariff for Accounts of Individuals for the actual number of days of the deposit. Savings accounts annually Credit accounts according to the agreed repayment schedule 11