Fees & Commissions Business customers & Professionals with Turnover < 3 million euro. Valid as of (rev.66)

Transcription

1 Fees & Commissions Business customers & Professionals with Turnover < 3 million euro Valid as of (rev.66) 1

2 Introduction The hereby document refers to the fees and commissions related to Business Customers and Professionals with turnover below 3 million euro. Third party expenses: postal expenses, telex messages, phone conversations, correspondent bank and NBR fees are not included and are charged based on their real level. The fees charged for a specific transaction are separately collected, in the same way. UniCredit Bank reserves the right to amend the fees and commissions at any time, based on its policy or the exchange rates fluctuation. 2

3 ACCOUNT PRODUCTS AND SERVICES Current account / Saving account opening Current account maintenance 1 Current account / Saving account statement Current account / Saving account statement - duplicate Closing Current account / saving account DEPOSITS Term deposit opening Automatic Overnight deposit Closing Term deposit account 10 euro or echiv. / month 2 euro or echiv. / statement 30 euro / month / contract CASH TRANSACTIONS RON FCY Deposit 0,10% Withdrawal 2 0,5% min. 5 lei 1% min. 5 euro NON-CASH TRANSACTIONS RON* FCY Incoming payments Intra-bank payments (UCB UCB) Paper based / Electronic 3 3 lei / 2 euro / Inter-bank payments (UCB other banks) Paper based / Electronic 3 up to 499,99 lei between 500 and 9.999,99 lei between and ,99 lei over lei Direct Debit i - open/change/close 5 / 3 lei i 7 / 4,9 lei i 10 / 7 lei i 12 / 8,4 lei i 0,2% min. 20 euro max euro 4 / 0,1% min. 10 euro max. 500 euro 4 - Cancel/change a payment upon client request - 2 euro Urgent payment doesn t include inter-banking fee (for FCY it needs bank approval) Standing Order 6 lei 35 euro open/change/close processing 3 euro Electronic payment fees 1 Not applicable for the first 3 account for clients using MultiCash, BusinessNet Basic/Professional 2 Amounts below euro or equivalent will be delivered in the same day Amounts between euro or equivalent have to be announced one day before Amounts between euro or equivalent have to be announced two days before; next day delivery is possible after obtaining Bank s agreement and standard fee is increased with 0,5% Amounts above euro or equivalent have to be announced three days before; next day delivery is possible after obtaining the Banks agreement and standard fee is increased with 1% 3 BusinessNet Basic / BusinessNet Professional, MT101, MultiCash, MultiCash@Sign 4 SWIFT commission included * * Cross-border RON transactions will be charged as foreign currency payments 3

4 SERVICES AND PRODUCTS PACKAGE For Business Clients and Professionals Package Name Price (lei / month) Additional products 1 Price additional products For turnover < euro and Professionals clients Easy Basic 49 Easy Basic Startup 1 10 Current Account 7 lei / account / month For all Business and Professionals clients Smart 99 Prime Extra Prime Executive Current Account BusinessNet Professional Current Account 7 lei / account / month 18 lei / month For NGO Current Account Altruist 0 For any other service or product please refer to the standard list of fees and commissions Packages that are no longer in the current offer of the bank: Package name Price (lei / month) Additional products 1 Price for additional products Start 25 Basic 49 Simplu Metro 25 Basic Metro 30 Easy Basic Metro 25 Easy Plus Metro 50 Easy Plus 99 Intensive 85 Advanced 150 Intensive Metro 60 Advanced Metro 120 Prime Dinamic Metro 99 Current account Current account Current account 10 lei / account / month 7 lei / account / month Free 1 Easy Basic Startup is offered to StartUp companies (up to one year old). This price is valid for the first year with UniCredit Bank, following years the price for Easy Basic will be applied. 2 Early closing fee of the Prime Executive and Prime Extra packages (before 12 months from its opening date) is lei respectively 400 lei 4

5 Prime Dinamic 199 Professionals 35 lei / an Current account RON/EUR/USD 30 lei / account / year DEBT INSTRUMENTS 1 RON Issuing fee (for cheques) Custody for debit instruments with forward due date Debt instruments collection, returned or unpaid 2 Payment of debt instruments to another customer of the bank 0,7 lei / check slip 50 lei (+VAT) / month 4 lei / debt instrument 1 leu / instrument Payment of debt instrument to another bank s customer up to 499,99RON between 500 and 9.999,99 lei between and ,99 lei over lei 4 lei 6 lei 7 lei 7 lei FCY Foreign cheque collection Returned, unpaid cheque 3 1% min 20 euro 20 euro / cheque ELECTRONIC BANKING MultiCash MultiCash@sign Basic module (EN and RO version) including domestic and foreign payments 30 euro (+VAT) - Set-up fee - 15 euro / user (+VAT) Maintenance fee 30 euro Free of Charge Phone technical support Onsite support: - first month from setup - after first month 30 euro / hour (+VAT) 4 Basic module in other language than EN or RO Romanian module used in another country Interface for printing DPE forms (one-off) (+VAT) 2 (+VAT) / installation kit (+VAT) BusinessNet Basic BusinessNet Professional Set-up DigiPass (new / lost / damaged) 12 euro (+VAT) 12 euro (+VAT) Mobile token Monthly maintenance fee (the first 3 accounts are not charged with the monthly maintenance fee for current account) 20 euro 1 Does not include TransFond fee for debt instruments (0.88 lei). The settlement of debit instruments as per the Bilateral Interbanking Agreement (old format) is charged with 3,3 lei per instrument 2 Does not include TransFond fee for debt instruments rejection (0.55 lei). 3 Does not include correspondent bank fees 4 Plus additional 50% of the time and travel expenses outside Bucharest 5

6 Monitoring debt instrument module 15 euro / month 15 euro / month Set up of Import of encrypted files 100 euro/ company Cards Acquiring reporting tool 15 euro/ client/ month 15 euro/ client/ month BussinessNet CONNECT Set-up Administration CARDS ACQUIRING POS 100 euro / user 10 euro/ client / month Fee per transaction 2% Monthly fixed fee for POS maintenance E-Commerce if the monthly value of successfully completed transactions on a POS terminal is less than or equal to 500 lei if the monthly value of successfully completed transactions on a POS terminal is more than 500 lei 65 lei / POS terminal 0 Fee per transaction 3% Enrollment Monthly maintenance fee Other Cash Management products CustomsLink (Electronic confirmation of customs duty payments) 1 TrezoLink (Automated collected transfer funds to the State Treasury Accounts) E-card (Account statements for pending card payments) Cheques and Promissory Note monitoring file 300 euro (+TVA) 15 euro Monthly fee 20 euro / one custom office 40 euro / all custom offices 5 euro / account 15 euro Standard electronic statement (MT940/Mt942) Daily electronic statement sent/ received (MT940) by SWIFT to Banks within UniCredit Group ii Interim electronic statement sent/ received (MT942) by SWIFT to Banks within UniCredit Group ii Daily electronic statement sent/ received (MT940) by SWIFT to Banks outside UniCredit Group Interim electronic statement sent/ received (MT942) by SWIFT to Banks outside UniCredit Group 15 euro / account/ destination 15 euro / account/ destination / account/ destination / account/ destination Statement (MT940) via BusinessNet PRO Interim statement (MT942) via BusinessNet PRO or MultiCash Structured electronic statement (MT940/MT942) Daily electronic statement sent/ received (MT940) by SWIFT to Banks within UniCredit Group ii Interim electronic statement sent/ received (MT942) by SWIFT to Banks within UniCredit Group ii /account/ destination / account/ destination 1 Fee per transaction are not included 6

7 Daily electronic statement sent/ received (MT940) by SWIFT to Banks outside UniCredit Group Interim electronic statement sent/ received (MT942) by SWIFT to Banks within UniCredit Group Daily electronic statement via BusinessNet PRO or MultiCash Interim electronic statement (MT942) via BusinessNet PRO or MultiCash LETTER OF CREDIT - IMPORT Opening / acceptance or undertaking of payment at maturity / increase of amount and / or extension of validity Amendment (other than increasing the amount and/or extension of validity) Payment (including in-house transaction/transfers) Express payment Issuing reimbursement authorization Amendment reimbursement authorization Overdrawn amount Discrepancies Cancellation / non-utilization Express opening (in max. 24 hours) LETTER OF CREDIT - EXPORT Advising / advising increase of amount Confirmation / undertaking of payment at maturity (applicable per utilization) Amendment (other than increase of amount) Negotiation of documents (advancing funds) under sight L/C Pre-checking of documents (before presentation) Documents examination / handling Remittance of documents without checking (on customer s responsibility) Reimbursement fee Transfer Transfer amendment (increase of amount) Amendment transfer (other than increase of amount) Cancellation / non-utilization Acceptance / cancellation Discounting of documents Bank Payment Obligations (BPO) Import Opening / acceptance or undertaking of payment at maturity / increase of amount and/or extension of validity 35 euro/ account/ destination 35 euro /account /destination 10 euro 0,25% min 75 euro per quarter or fraction 1 paid at issuance / usage / undertaking of payment / increase of amount / prolongation 0,15% min 75 euro 75 euro 30 euro 30 euro 0,25% of overdrawn amount, min. 75 euro 75 euro / presentation of documents 100 euro 0,15% min 75 euro to be determined depending on the risk rating of the issuing bank/country, min. 100 euro 0,25% min 75 euro 1/set of documents 0,10% min 100 euro 75 euro 0,20% min 75 euro 0,20% min 75 euro Negotiable, depending on the risk rating of the issuing bank/country, min. 100 euro 0,1% min per quarter or fraction payable upfront at the issuance / 1 Plus risk premium (if case) 7

8 Issuing Baseline EUR 30 Amendment (for any type of amendment; for increase of amount and/or extension of validity it is charged in addition to the a/m commission) payment undertaking / increase / extension EUR 20 Payment (including in-house transactions/transfers) 0,10% Mis-match/Match Processing EUR 25 Bank Payment Obligations (BPO) Export Advising Baseline EUR 30 Confirmation / undertaking of payment at maturity (applicable per utilization) Amendment advising (for any type of amendment; for increase of amount it is charged in addition to the a/m commission) To be determined depending on the risk rating of the issuing bank/country EUR 20 Data set presentation EUR 25 Discounting of documents Mis-match/Match Processing EUR 25 Negotiable, depending on the risk rating of the issuing bank/country LETTER OF ASSIGNMENT Issuance / increase of amount Amendment (other than increase of amount) Payment (including in-house transactions) Advising of received letter of assignment Advice of a received amendment 0,15% min. 75 euro 0,17% min. 10 euro max. 7 COLLECTION Remittance for clean collection / acceptance Remittance for documentary collection for payment / acceptance Amendment Unpaid bills / returned documents / delivery documents free of payment Advising received clean and documentary collections by payment Advising received clean and documentary collections by acceptance Payment Cancellation ISSUING LETTER OF GUARANTEE Issuing letters of guarantee / adding the aval 1 / increase of amount and/or extension of validity 0,15% min. max 500 euro 0,15% min. max 500 euro 0,15% min. max euro 0,15% min. 75 euro max euro 0,2% min. max euro 0,25%, min. per quarter or fraction, 1 If the letters of guarantee are issued based on counter-guarantees received from correspondent banks, where commission is covered by corr. bank/applicant, commission is payable quarterly or, if total annual commission amounts less than euro 500, annually 2 Plus risk premium (if case). 8

9 payable upfront at issuance 1 2 Amendment (other than increase of amount and/or extension of validity) Payment under a claim Express opening (in max 24 hours) RECEIVED LETTER OF GUARANTEE Advising Advising amendment Claims under L/G on behalf of the beneficiary STANDBY LETTERS OF CREDIT ISSUED Issuing / increase of amount and/or extension of validity Amendment (other than increase of amount and/or extension of validity) Payment (including in-house transactions/transfers) Issuing reimbursement authorization Amendment reimbursement authorization Express opening (in max. 24 hours) 0,25% min. 75 euro 75 euro 100 euro 0,25%, min. per quarter or fraction*, payable upfront *plus risk premium, if case 0,25%, min. 75 euro 30 euro 30 euro STANDBY LETTERS OF CREDIT RECEIVED Advising / advising increase of amount Confirmation Amendment (other than increase of amount) Documents remittance Reimbursement fee 0,15%, min. 75 euro To be determined depending on the risk rating of the issuing bank/country, min 100 euro 75 euro Cancellation / non-utilization CONFIRMATION OF PERFORMANCE GUARANTEE ACCOUNT Confirmation account opening Monthly maintenance fee ESCROW ACCOUNT 10 euro Fee 0,1% Interest rate according to current account DOCUMENTARY / CONDITIONAL PAYMENT ORDER Issuance 0,25% min. max Amendment to an issued Documentary Payment Order 1 Cancellation Advising a received Documentary Payment Order 0,25% min. max euro 1 Increases in amount are charged by applying the issuance/advising fee to the additional amount 9

10 Presentation of documents under a received DPO Advising of amendment to a received DPO Signatures verification for Documentary Payment Order CREDIT WORTHINESS LETTER Issuance: Standard COMFORT LETTER Issuance Letters which contains ratio calculations 0,15% min. max euro / document (+VAT) 55 euro (+VAT) 1 (+VAT) 0,2% min 175 euro FACTORING with recourse w/o recourse Flat fee 1% 1,3% Handling documents 2 lei / euro / usd 5 lei / euro / usd Interest ROBOR 1M/3M/6M + 7,5% ROBOR 1M/3M/6M + 7,5% EURIBOR 1M/3M/6M + 8% EURIBOR 1M/3M/6M + 8% LIBOR 1M/3M/6M + 10% LIBOR 1M/3M/6M + 10% NON STOP BANKING 1 Withdrawal 0,5% min 5 lei Deposit 0,1% MISCELLANEOUS SWIFT investigation fee (one-off) 20 euro Trade Register Electronic Certificate on behalf of the client Interrogation of Trade Register Database CIP interrogation fee 2 40 lei (+VAT) 30 lei (+VAT) 2 euro / entity, min 4 euro (+VAT) Documents via fax in Romania outside Romania 2 euro / page (+VAT) 3 euro / page (+VAT) Fax agreement Mailing management agreement 10 euro / account / month (+VAT) 150 lei / month (+VAT) Safe box Consultancy / Analysis Balance confirmation fee Size 1 Size 2 Size 3 Key guarantee Key replacement 230 euro / year (+VAT) 280 euro / year (+VAT) 360 euro / year (+VAT) 55 euro 55 euro (+VAT) 205 euro / hour (+VAT) 55 euro (+VAT) General information about companies and banks 55 euro / entity (+VAT) 1 Transactions made with bare codes For all other Non Stop Banking transactions please check the Debit Card and Credit Card section. 2 The cost for one and two interrogations is 4 euro (VAT to be added). Every supplementary interrogations will be charged with 2 euro (+VAT) 10

11 Fast courier service Info SMS according to courier tariffs 0,2 euro / SMS RON payments Cash sweeping RON Electronic payment fees / structure / month MT101 Opening service or modification/adding destination fee Monthly administration fee Payments 3 Garnishment administration fee 30 euro / destination 30 euro / entity According to electeronic payments 100 lei / garnishment 3 SWIFT fees are included Commission applied to judicial executors and administrators for requested information: Commissions for verifying if debtors have accounts opened with UniCredit Bank Commission for releasing addresses containing customer details (related to garnishments and insolvencies) 0,4 lei/debtor (min. 12 lei) (+ VAT) 12 lei/address (+ VAT) DEBIT CARD Business Electron VISA Silver Gold busine ss Annual fees Main card 10 euro 20 euro 65 euro Supplementary card 10 euro 20 euro 65 euro Transaction fees National POS International POS Cash withdrawal ATM UniCredit Group ii Cash withdrawal national ATM Cash withdrawal international ATM Cash advance at bank counter 0,2% min 0,1 euro 0,5% + 1 euro 1,5% + 2 euro 2.5% + 2 euro Balance enquiry at own ATM 0 0,2% min 0,1 euro 2,5% min 3 euro 3% min 4 euro 4% min 5 euro 0,2% min 0,1 euro 3% min 5 euro 3,5% min 5 euro 4% min 5 euro Mini-statement ay own ATM 1 leu Card blocking (temporary) 0 Card blocking (permanent) 10 euro 11

12 International card fees Card replacement (lost, stolen, damaged, broken, demagnetized) Card return emergency cases 1 (VISA fee) 20 lei Unjustified charge back Romania 3 lei 12 lei 12 lei other 30 lei Receipt copy Emergency card replacement Emergency cash disbursement VISA fee euro Transactional limits Daily POS limit lei lei Daily ATM limit lei lei Daily POS / ATM transaction number lei lei CREDIT CARD MasterCard Business VISA co-brand METRO Administration fee Main card 20 euro / year 5 lei / month Supplementary card 20 euro / year 5 lei / month Transaction fees National POS 0 0 International POS 0 0 Cash withdrawal ATM UniCredit Group ii 0,2% min 0,1 euro 0,2% min 0,1 euro Cash withdrawal national ATM 2,5% min 3 euro 2,5% min 3 euro Cash withdrawal international ATM 3% min 4 euro 3% min 4 euro Cash advance at the Bank counter 4% min 5 euro 4% min 5 euro Balance enquiry at own ATM 0,35 lei 0 Mini-statement ay own ATM 1RON 1 lei Card blocking (temporary) 0 - Card blocking (permanent) 10 euro 10 euro Card blocking (international) 2 (MasterCard fee) Credit card statement duplicate 0 0,35 lei Card replacement 3 20 lei 20 lei PIN replacement 20 lei 20 lei Card renewal 0 - Unjustified chargeback - in Romania 12 lei 12 lei - outside Romania 30 lei 30 lei Receipt copy MasterCard fee VISA fee 1 lei equivalent at NBR rate from the payment date, applicable only to cards issued by UniCredit Bank captured in own ATMs located outside its branches / agencies 2 The card will be included on an international list of stolen/lost cards 3 Lost, stolen, broken, damaged, demagnetized 12

13 Emergency card replacement 1 1 Emergency cash disbursement 100 euro 100 euro Card return emergency cases 1 35 euro Transaction limits Daily limit POS euro ( lei) lei Daily limit ATM euro (4.000 lei) lei Daily no. of transactions POS / ATM Interest rate Standard interest rate lei (variable) 26,83% 26,83% Interest rate for transactions made in METRO locations - 23,83% Interest rate for cash withdrawal 26,83% 26,83% Penalty interest rate lei 60% 60% Penalty interest rate/interest rate for unauthorized overdraft /Penalty rate of interest for overdue loan caused by unauthorized overdraft - for cards issued in lei 40% 40% i Does not include the TransFond / NBR fees - 0,51 lei fee for small value payments (below lei ); - 6 lei fee for high value (over lei ) or urgent payments - 0,55 lei fee for direct debit refusal ii UniCredit Group is present in the following countries: Romania, Italy, Austria, Germany, Bosnia-Hertegovina, Bulgaria, Croatia, Czech Republic, Hungary, Poland, Russia, Serbia, Slovakia, Slovenia, Turkey, Ukraine. 1 lei equivalent at NBR rate from the payment date, applicable only to cards issued by UniCredit Bank captured in own ATMs located outside its branches / agencies 13