Standard Fees, Commissions and Interest Rates Charged by Bancpost. Accounts and Operations

Transcription

1 Standard Fees, Commissions and Interest Rates Charged by Bancpost for Accounts and Operations This version is applicable startin g with 1-Aug-2016 and cancels the previous one

2 Opening and administration fee of current/saving/special accounts Item Commission value - RON Commission value FCY Accounts opening Current account opening 10 RON 10 RON 1 Dinamic current account opening 10 RON - APIA current account opening - Saving account opening - Accounts administration fee Activ current account administration fee 2 20 RON/month/account 3 20 RON/month/account 4 Activ Dinamic current account maintenance 20 RON/month/account 3 - Inactiv current account administration fee 5 (without movement for minimum one calendar month) Max. 25 RON/month/account 6 Max. 25 RON/month/account 7 Inactiv Dinamic current account administration fee (without movement for minimum one calendar month) Max. 25 RON/month/account 6 - Dormant current account administration fee (without debit transactions for 6 consecutive months) Max. 25 RON/ month/account 6 Max. 25 RON/month/account 7 Dormant Dinamic current account administration fee (without debit transactions for 6 consecutive months) Max. 25 RON/ month/account 6 - APIA current account administration fee (including dormancy, after 730 consecutive days without debit transactions) 2,80 RON/month/account 3 - Saving account administration fee 5 RON/month/account - Accounts closing Current account closing 5 RON/account 5 RON/account 1 Dinamic current account closing, APIA current account closing - Capital account closing 20 RON/account - Saving account closing - Special accounts Escrow account opening 0,1% minim 50 EUR 1 Escrow account administration fee Escrow account closing Opening of collateral accounts for administrators - Administration fee of collateral accounts for administrators - Closing of collateral accounts for administrators - Statements of account Issuing of account statement at the counter for current period (max. 12 calendar months prior to request date) Issuing of account statement, at the counter, for other period than the current one 0,50 RON/page 0,50 RON/page 1 1 or the equivalent in the account currency, at NBR exchange rate; 2 In case of accounts derived from card accounts opened before , to which VISA Electron and MasterCard Standard debit cards are attached, the commission is 1,50 RON/month; the commission is charged regardless of the account available balance (it may cause unauthorized overdraft); 3 The commission is charged regardless of the account available balance (it may cause unauthorized overdraft); 4 or the equivalent in the account currency, at NBR exchange rate; the commission is charged regardless of the account available balance (it may cause unauthorized overdraft); 5 In case of accounts derived from card accounts opened before , to which VISA Electron and MasterCard Standard debit cards are attached, the commission is max. 10 RON/month, within the account available balance; 6 within the account available balance; 7 or the equivalent in the account currency, at NBR exchange rate, within the account available balance;

3 Issuing and sending of account statement, through post, in Romania 3,50 RON/statement/account 0,80 EUR; 1 USD; 1 CHF; 1 CAD; 7 SEK; 0,70 GBP; 6 NOK; 103 JPY; 1 AUD; 6 DKK; 233 HUF; 3 PLN; 21 CZK; 2 TRY/statement/account Issuing and sending of account statement, through SWIFT 150 RON/month 8 Commissions for issuing and sending of statements for accounts derived from card accounts opened until , to which VISA Electron and MasterCard Standard debit cards are attached Issuing of account statement for the last ended calendar month - Issuing of account statements for months previous to the last ended calendar month, maximum 12 months - account with VISA Electron debit card - - account with MasterCard Standard debit card 0,50 RON/page Sending of account statement through post, in Romania 3,50 RON/statement/account - Sending of account statement through post, by simple letter, outside Romania 7 RON/statement/account - Modifying of authorized signatures (adding, withdrawal, total change etc.) 5 RON 8 Packages Item Commission value - RON Commission value Foreign Artizan Package administration fee 40 RON/month currency - Maestru Package administration fee 80 RON/month - Expert Package administration fee 150 RON/month - Artizan / Maestru / Expert Package closing - 8 or the equivalent in the account currency, at NBR exchange rate;

4 Cash operations Item Commission value - RON Commission value Foreign Cash deposit in banknotes (including from international postal money orders) currency Cash deposit in metallic coins 3% - Cash withdrawal in banknotes and/or metallic coins 9 0,60%, minim 2 RON 0,50%, minim 3 EUR 10 Exchanging of used or damaged banknotes for new banknotes (RON) 3% - Exchanging cash in small denominations for large denominations 3% - Exchanging cash in metallic coins for banknotes 5% - Commission for cash collection from customer premises upon request Issuing of duplicates for cash payments documents, based on customer request 5 RON/page 10 9 According to General Business Conditions, cash withdrawals made by customers, exceeding amounts in the national currency of more than RON 20,000 or in the foreign currency of more than EUR or the equivalent at the NBR exchange rate available for the day when the withdrawal is announced, shall be communicated by the customer in advance, at least two working days prior to the payment date, by filling in the form Request for high value cash withdrawal, available at the counter; 10 or the equivalent in the account currency, at NBR exchange rate;

5 Non-cash operations in RON Intrabanking (Bancpost Bancpost transfers) Item Commission value Incomings - through payment order - through Direct Debit 1 RON/operation Payments - through payment order - through Fastbanking - through Direct Debit Standing Order - over the counter (intrabank) 2 RON/operation or equiv. in EUR, USD - through Fastbanking (intrabank, interbank) (RON) Utility payments (through Plati utile Fastbanking) Non-cash operations in RON - Interbanking (Bancpost other banks from Romania or abroad) (without NBR/Transfond commissions) 11 Item Commission value Incomings* - up to 499,99 RON 3,50 RON/operation ,99 RON 6,00 RON/operation - starting with RON 22,50 RON/operation * Incomings (for accounts derived from card accounts opened before , to which Maestro and VISA Electron debit cards are attached) - up to RON 1,10 RON/operation - starting with RON 15 RON/operation * Incomings (for accounts derived from card accounts opened before , to which MasterCard debit cards are attached) 2 RON/operation 11 NBR/TransFonD commissions are shown in the account statement together with Bancpost commission. The value of these commissions is established unilaterally by NBR/TransFonD: Small value payment operations (< RON) (payed by the payer) 0,51 RON High value payment operations (>= RON) (payed by the payer) 6,00 RON Incoming operations (payed by the beneficiary) 0 RON Payment operations through interbanking Direct Debit (payed by the payer) 0 Incoming operations through interbanking Direct Debit (payed by the beneficiary) 0,51 RON Payment operations through debit instruments (cheque, promissory note, bill of exchange) electronically processed 0 (payed by the payer) Payment operations through debit instruments (cheque, promissory note, bill of exchange) - electronically processed 0,88 RON (payed by the beneficiary) Debit instruments refusal (cheque, promissory note, bill of exchange) (payed by the payer) 0,55 RON

6 Incomings through Direct Debit 1 RON/operation Payments Payments through payment orders - up to ,99 RON 6 RON/operation - starting with RON 15 RON/operation Urgent payments through payment orders 15 RON/operation Payments through payment orders for garnishments (without NBR/TransFonD commission) - up to ,99 RON 15 RON/operation - starting with RON 23 RON/operation Payments through Fastbanking - up to ,99 RON 3,50 RON/operation - starting with RON 10 RON/operation Urgent payments through Fastbanking 10 RON/operation Payments through Direct Debit - up to ,99 RON 3,50 RON/operation - starting with RON 10 RON/operation Standing Order through Fastbanking - up to ,99 RON 3,50 RON/operation - starting with RON 10 RON/operation - urgent 10 RON/operation Commission for Payments Incidences Register, only within the available balance Max. 15 RON/instrument Cheques, promissory notes, bills of exchange Cheques and promissory notes submitted for payment (debit instruments in new format) - up to ,99 RON 6 RON/operation - starting with RON 15 RON/ operation Cheques and promissory notes submitted for payment (manually processed debit instruments in old format) 20 RON/ operation Cheques and promissory notes sent to collection (debit instruments in new format) - up to 499,99 RON 3,50 RON/instrument ,99 RON 6 RON/instrument - starting with RON 22,50 RON/instrument Cheques and promissory notes sent to collection (manually processed debit instruments in new format) 30 RON/operation Selling of bills of exchange/promissory notes/cheques 0,50 RON/sheet Issuing of duplicates for non-cash payments documents, based on customer request 5 RON/page Treasury bills operations in RON: Participation on primary market (it is retained only if the bid is awarded) Transfer to other agent 0,10%, maxim 50 RON 0,10% of the transferred treasury bills value, min. 50 RON

7 Non-cash operations in foreign currency Item Commission value Incomings - in favour of Bancpost clients (commission paid by the beneficiary) - through Eurogiro, in favour of Bancpost clients (commission paid by the beneficiary) 3 EUR - in favour of Bancpost clients (commission paid by the payer) 0,10%, min. 30 EUR, max. 200 EUR - through Eurogiro, in favour of Bancpost clients (commission paid by the payer) 5 EUR - ordered by and/or in favour of other banks clients, from Romania or abroad 0,20%, min. 20 EUR, max. 200 EUR - through Eurogiro, ordered by and/or in favour of other banks clients, from Romania or abroad 0,15%, min. 10 EUR, max. 200 EUR Investigations - for instructions < 6 luni 25 EUR - for instructions > 6 luni 50 EUR Payments (including through Fastbanking) - between the same client s accounts, opened to Bancpost - between Bancpost clients - in favour of other banks clients, from Romania or abroad 0,25%, min. 25 EUR max EUR Bancpost commission 10 EUR Swift charges Correspondent banks commissions (in case of payments with OUR option) In case of payments with OUR option, depending on the payment currency, the correspondent banks commissions 12 are: 20 EUR for EUR payments, 20 USD for USD payments or equivalent of 20 EUR for the other currencies, for payments with OUR option in other currencies except EUR and USD, customer s account will also be debited with the fees charged by the banks on the settlement flow, if the case. -within EUROBANK Group (Greece: Eurobank Ergasias): Payments with OUR option are supplementary charged with 5 EUR or 7 USD or: SEK=70; 20 EUR NOK=120; GBP=7; DKK=60; CHF=15; HUF=1.700; JPY=3.000 for payments <= and for payments over ; CAD=20; CZK: 0,15%, min. 500, max within EUROBANK Group (Bulgaria: Eurobank Bulgaria AD, Serbia: Eurobank AD Beograd, Cipru: Eurobank Cyprus Ltd., UK: Eurobank Private Bank Luxemburg SA, Luxemburg: Eurobank Private Bank Luxemburg SA, Ucraina: Public Joint-Stock Company Commercial Bank EUROBANK): Payments with OUR option are supplementary charged with 20 EUR for EUR payments, 20 USD for USD payments or equivalent of 20 EUR for the other currencies. Urgent payments based on client s request (same value date (T) or T+1) 35 EUR + payments commission in favour of other banks clients, from Romania or abroad Urgent payments based on client s request (after cut of time) Urgent payments commission + max. 100 EUR/ transaction (negotiable) Cancellation 25 EUR Modifying of orders issued by Bancpost clients (amount, beneficiary s account, beneficiary s name, order cancellation, etc.) and investigations initiated by the customer or banks on the settlement flow 25 EUR/operation + commissions and fees of the correspondent banks on the settlement flow (aprox. 30 Investigations initiated by the customer or banks on the settlement flow /Amendments/Cancellations (in case of received and issued payment orders) Issuing of duplicates for non-cash payments documents, based on clients request 2 EUR 12 The Bank is entitled to choose correspondent banks with which they work. Fees of correspondent banks are subject to change without notice, with immediate effect; EUR/bank) 90 RON/transaction + commissions and fees of the correspondent banks on the settlement flow (aprox. 30 EUR/bank)

8 Decoding commission Cheques Banking cheques (payments) Charges for cheque remittance 5 EUR 0,75%, min. 7 EUR 15 EUR INCASSO, LETTERS OF CREDIT, LETTERS OF GUARANTEE, COMFORT LETTERS, CONDITIONING PAYMENT ORDERS 13 RECEIVED/ISSUED Item Commission value Incasso Endorsement/Remittance for collection clean collection 0,2%, min. 20 EUR, max. 200 EUR 14 Endorsement/ Remittance for collection documentary collection 0,2%, min. 30 EUR, max. 500 EUR 14 Endorsement/ Remittance for acceptance - clean collection 0,2%, min. 25 EUR, max. 500 EUR 14 Endorsement/ Remittance for acceptance - documentary collection 0,25%, min. 50 EUR, max EUR 14 Remittance of documents free of payments 25 EUR 14 Payment (within incasso) 0,2%, min. 25 EUR, max. 500 EUR 14 Amendment 25 EUR 14 Documents returned not accepted/not paid 25 EUR 14 Protest 100 EUR 14 Fee for keeping in custody documents and bank drafts 100 EUR 14 Correspondence regarding instructions payment/collection/clarification 25 EUR 14 Release of documents for the goods sent on bank s address (Documentary incasso) 0,1%, min. 50 EUR 14 Letter of credits - Import Pre-advising 25 EUR 14 Opening/value increasing/extend validity 0,2%, min. 75 EUR 14 per quarter or fraction of a quarter Payment 0,2%, min. 100 EUR 14 Acceptance commitment/deffered payment 0,2%, min. 75 EUR 14 per quarter or fraction of a quarter Amendment 25 EUR 14 Discrepancies 75 EUR per set of documents Cancellation/unusage 30 EUR 14 Investigations/Correspondence 25 EUR Not including NBR/TransFonD commissions; the value of these commissions is established unilaterally by NBR/TransFonD; 14 or the equivalent in transaction currency, at NBR exchange rate available on the transaction date;

9 Letter of credits - Export Pre-advising 25 EUR 15 Advising 0,1%, min. 50 EUR 15 Handling of documents 16 0,15%, min. 100 EUR, max EUR 15 Fee for complexity 0,05%, min. 50 EUR 15 Transfer of letter of credit 0,20%, min. 100 EUR 15 Amendment advising 25 EUR 15 Confirmation Negotiable, but not less than 0,25%, min. 100 EUR 15 per quarter or fraction of a quarter L/C s assignment 50 EUR 15 Cancellation/unusage 30 EUR 15 Reimbursement request 30 EUR 15 Investigations/Correspondence 25 EUR 15 Letters of guarantee Issuance/value increasing/extend validity (for letters of guarantee and aval) - 0,30%, min. 25 EUR 15 per quarter or fraction of a quarter - 1%, min. 25 EUR 15 per quarter or fraction of a quarter in case of letters of guarantees for prefinance of EU grants, other than cash secured Payment 0,20%, min. 25 EUR 15 Advising 50 EUR 15 Payment requests sent for completion of letters of guarantee 75 EUR 15 Cancellation (exception: the commission is not charged in case the letters of guarantee are cancelled as of beneficiary s initiative) 25 EUR 15 Commission for checking the signatures 25 EUR 15 Other amendments 30 EUR 15 Comfort Letters Issuance/renewal of uncommitted comfort letter 0,10% + VAT, applied to the value of the comfort Issuance/renewal of committed comfort letter letter, min. 100 EUR 0,20% + VAT, applied to the value of the comfort letter Conditioning payment orders Issuance 100 RON 15 + payment commission 17 Advising 100 RON or the equivalent in the transaction currency, at NBR exchange rate available on the transaction date; 16 In case of excessive conditions/documents, it is added 100 EUR to the above commission;

10 17 For RON payments, it is applicable the commission for non-cash operations;

11 OTHER SERVICES Item Commission value Currencies, financial and banking information (exchange rates, interbanking market interest rates, records requested by the client) Sending documents: - through fax in Romania 7 RON+TVA/page 18 - through fax outside Romania 10 RON+TVA/page 18 - through PRIORIPOST 6,5 RON+TVA/envelope 18 - through C.N.P.R. 2 RON+TVA/simple letter 18 - through C.N.P.R. external postal service - through DHL According to the courier charges 19 Account balances confirmation for auditors, embassies etc. 60 EUR/transaction+VAT Rental of safe boxes: - small box 15 EUR/month+TVA (RONequivalent at BNR rate ) - medium box 20 EUR/month +TVA (RONequivalent at BNR rate ) - big box 25 EUR/month +TVA (RONequivalent at BNR rate ) - very big box 30 EUR/month +TVA (RONequivalent at BNR rate ) - Guarantee amount for safe bixes 50 EUR Consulting of CIP BNR data base based on clients request expressed through the territorial units 10 RON/request+VAT Consulting of CIP BNR data base for crossed cheque books issuing to the clients, in order to form the credit file or to complete the account opening file Fastbanking monthly fee 10 RON/month 18 Fee for Token VIP Fastbanking activation 10 EUR 20 Guarantee for Token Challenge Fastbanking 30 USD 20 FastMobile monthly fee Commission for signatures verification 66 RON or 20 EUR 20 Commission for issuing of reliability letter 100 RON + VAT/letter 20 Issuing of account statements for banks and other financial institutions 2 EUR 20 Commission for the certificate from the Commerce Registry (Registrul Comertului - RECOM) 60 RON (VAT included) Commission for issuing a document based on specific request of the client 20 EUR equivalent at BNR rate (VAT included) 18 or the equivalent in other currency, at NBR exchange rate; 19 In case of sending the account statements, it is added the commission for account statement issuing; 20 or the equivalent in RON, at NBR exchange rate available for that day;

12 Debit Cards (RON) Item MasterCard Standard 21 VISA Electron 21 VISA Business Fees for card issuing and administration fee Card issuing 3 RON 15 RON Card replacement (ex.: lost, stolen, damaged, destroyed, demagnetized) 3 RON 15 RON PIN code reissuing - 5 RON Card renewal as of validity period expiration Monthly card administration fee 15 RON/month 22 Commissions for operations Cash withdrawal Cash withdrawal from Bancpost ATM s 0,75% 0,40%, min. 1 RON Cash withdrawal from other banks ATM s/pos s from Romania 0,50% + 2,50 RON 0,75% + 3 RON Cash withdrawal from other banks ATM s/pos s from outside Romania 1% + 7 RON, min. 12 RON - 1% + 10 RON Payments to merchants Payments to merchants in Romania Payments to merchants outside Romania - 0,50% Balance inquiry Balance inquiry at Bancpost ATM s 0,20 RON/operation 0,50 RON/operation Mini-statement of account debit card at ATM Bancpost 1 RON/statement Balance inquiry at other banks ATM s from Romania 1,50 RON/operation Balance inquiry at other banks ATM s from outside Romania - 1,50 RON/operation Utility payments at Bancpost ATM s PIN change at Bancpost ATM s 0,50 RON/operation Recovery of captured card by other banks from Romania 2,50 15 RON/card Recovery of captured card by other banks from outside Romania EUR/USD/card USD/card 24 Card blocking in MasterCard/VISA system - 60 USD/month/region 24 Copy request from the merchant for solving a complaint 5 RON Unjustified chargeback 30 RON Cardholder inquiry service (international) - 7,50 USD As of , the Bank is not offering this product to its Legal Entities clients; 22 The commission is charged every 4 th day of each calendar month, provided the card is valid; if the 4 th day is a non-working day, the commission will be debited the following working day; 23 If the recovery of the card is made by the merchant, a fee of EUR/USD/card is added in case of MasterCard cards, respectively USD/card in case of VISA cards; 24 the equivalent in RON, at NBR exchange rate.

13 Personal data processing S.C. Bancpost SA processes the personal data of individuals under the provisions of the Law 677/2001, amended to date, for the protection of individuals regarding the processing of personal data and free movement of such data. S.C. Bancpost SA is registered as operator for personal data processing concerning: banking activities - in the Register of the National Supervisory Authority for Personal Data Processing no. 767, according to Law 677/2001, amended to date, referring to the protection of individuals regarding the processing of personal data and free circulation of data; Marketing activities, advertising and publicity - in the Register of the National Supervisory Authority for Personal Data Processing no. 1826, according to Law 677/2001, amended to date, for the protection of individuals regarding the processing of personal data and free movement of such data. Under the requirements of the Law 677/2001, individuals have the right to be informed, the right of access to information, the right to update the data, the right not to be subject to individual decisions, the right to appeal to justice, the right to preclude processing of personal data concerning them and to request deletion of data, except in those cases provided by law when processing is required. To exercise these rights, the bank answers any requests, by application letter (dated, signed, containing personal identification information, including phone number and a legible copy of ID), filed at a network unit or sent to SC Bancpost SA, Boulevard Dimitrie Pompeiu no. 6A, Sector 2, Bucharest.