Fidor pricing and conditions
|
|
- Preston Parker
- 7 years ago
- Views:
Transcription
1 Fidor pricing and conditions Retail customer overview Community Bonus Programme Price list * Bonus Program conditions for retail customers O nline a c t iv it ie s Ma x im um pe r m o nt h Bo nus pe r a c t iv it y Ask a personal finance question 0.40 GBP per month 0.10 GBP Answer a personal finance question 0.40 GBP per month 0.10 GBP Add a saving tip 0.40 GBP per month 0.10 GBP Add a product suggestion 0.40 GBP per month 0.10 GBP Add a product 0.40 GBP per month 0.10 GBP Review a product (incl. comment) 0.40 GBP per month 0.10 GBP Add an expert 0.30 GBP per month 0.10 GBP Review an expert 0.15 GBP per month 0.05 GBP * Bonuses are increased on a weekly basis. Check your online banking for weekly updates. Recommendations Recommending Fidor Bank should be rewarded and here is how: F rie nd s re c ruit F rie nd s Reward for each fully registered referral 1 B o nus 2.00 GBP 1 of 10
2 F rie nd s re c ruit F rie nd s Reward for the activities of your friends Reward for the activities of your friend's friends B o nus 7.50% of all their rewards - forever % of all their rewards - forever - 1 Recommend a Friend You earn money for every recommendation: 2.00 GBP for every fully identified new customer you recruit. You're even rewarded for your friends' activity: you receive a 7.50% bonus on all activities of the customers you recruited, and even 2.50% on the activities of the customers your friends and acquaintances recruited. You get the bonus as long as the customers remain active with us. Conditions for a friend recommendation: Please note that friend recommendations are restricted to private use; commercial mediation of the applications is not permitted. The logo and name of Fidor Bank are subject to copyright. You receive a bonus when the person you recommended registers using your recommendation link and identifies themselves in full. In the event that the applicant was previously a customer of Fidor Bank during the 6 months preceding the application or makes use of their two-week right to cancellation, you will not receive a bonus. For you to receive a bonus credit for introducing with a new customer, they must set themselves up using your recommendation link. This saves a "cookie" on the new customer's computer. In the event that this cookie is deleted or obstructed by manual browser settings, the subsequent establishment of a new customer cannot be rewarded. General T&Cs Here you will find our latest documentation Terms and conditions General terms and conditions valid from 11/04/2016 Privacy Policy of Fidor Bank valid from 11/04/2016 General Documents FATCA self declaration form Celent Report Information sheet for depositors Community Terms and Conditions for Top 10 Saving Tips Community Quiz Community Interaction Banking Fees and s 2 of 10
3 Everything you need to know about your Fidor Smart Current Account Fidor Bank reserves the right to adjust prices and conditions subject to the General Terms and Conditions. The most recent version of Our Fees and s (Prices and Conditions) apply. Fees are deducted directly from your Fidor Smart Current Account. All fees are subject to the General Terms and Conditions. Important notice: Any outgoing transfers or investigations that involve another bank might be subject to charges by the other bank. These charges are not enforced by Fidor Bank and will have to be raised by you (the client) and might be deducted from the transaction amount. General Conditions Things that are free Things that cost money Limits to your account Things we don't do Research we can do for you and the associated cost If you love paper Fidor TAP Debit Mastercard Fees and s Fidor Bank Savings Bonds Interest rate on Fidor Smart Current Account Overview of the states of EEA and EU belonging to SEPA General Conditions Things that are free Account opening Monthly account management (Introductory offer) 1 Interest earned on Fidor Smart Current Account balance Like-interest rule: The more likes Fidor UK receives on Facebook UK, the higher the interest rate on the account balance. You can learn more about it here. Maximum interest rate as an introductory offer will be 0.50% p.a. 0.3% p.a. 3 of 10
4 Transfer to and from other Fidor Smart Current Accounts No daily limit (as long as funds are available on your Fidor Smart Current Account) Transfer to and from2 other UK accounts (using the Faster Payments System) 3 Limited to 25,000 per transaction (outgoing) Limited to 25,000 per day (outgoing) Savings bond issuance Min deposit 100 Max deposit 100,000 Shipping a new Personal Code 1 Subject to applicable tax 2 Using account number, sort code and Fidor ID (as the reference). Possible fees of other banks are not borne by Fidor Bank AG. 3 FPS payments are currently only processed once a day. Payments submitted after 4.00pm on a working day or any time on a weekend day or bank holiday will only be processed on the next working day. Things that cost money Transfers to the EEA (SEPA) 1,2 Transfer in EUR to EU members and other States of the European Economic Area (EEA) and Switzerland, Monaco and San Marino. An overview of the SEPA states can be found here (Introductory offer!) 1 Compulsory registration for cross-border transfers that exceed the GBP equivalent of 12,500. These payments are subject to the reporting requirements of the German central bank (Bundesbank) under the Foreign Trade and Payments Act (AWV): Details can be found here. 2 Transfer orders that are submitted after 11.45am on a banking day will only be processed on the next banking day. Limits to your account Limit for deposits No limit Daily limit for deposits No limit Limit per transfer to other Fidor accounts No limit Daily limit for transfers to other Fidor accounts No limit Limit per UK and SEPA transactions 25, Daily limit per UK and SEPA transactions 25, of 10
5 Default Fidor Smart Current Account limit per transaction These limits are defaults that have been put in for your safety. They can be changed in your account settings at any time online here (can be increased up to 25,000.00) Default limit for transactions from your Fidor Smart Current Account per day These limits are defaults that have been put in for your safety. They can be changed in your account settings at any time online here. 1, (can be increased up to 25,000.00) Things we don't do Cash deposits Cheque transactions of any kind Not possible at Fidor Bank Not possible at Fidor Bank Research we can do for you and the associated cost Internal payment investigation for a Fidor Smart Current Account Tracing the whereabouts of a payment from a Fidor Smart Current Account to another Fidor Smart Current Account (e.g. Instant Transfer to Friends) External payment investigation for a Fidor Smart Current Account Tracing the whereabouts of a transfer from a Fidor Smart Current Account to any other account in the UK per investigation request External SEPA payment investigation for a Fidor Smart Current Account Tracing the whereabouts of a transfer from a Fidor Smart Current Account to any other account in the EU/EEA (SEPA) per investigation request If you love paper 5 of 10
6 Investigation of bank documents dated back further than two years Postal delivery at the customer's request per investigation request Pr o v is io n o f duplic a t e s Creation, provision and transfer of duplicate(s) Postal delivery to the customer 3.00 per document plus postage of additional bank statements, receipts and other banking documents to the customer's request and postal delivery Fidor TAP Debit Mastercard Fees and s Order a Fidor TAP Debit Mastercard Annual Fees No Debit Card Purchases ATM Withdrawals per month (UK & worldwide) first 3 withdrawals then 1GBP per withdrawal (1.5% FX fees applicable) * FX Fees Replacement Card if Expired Replacement Card if Lost/Stolen Card Validity SMS Transaction Notification 1.5% on all non-sterling transactions 3 Years 0.10/SMS Daily Limit ** 1000 Transaction Limit** 1000 Daily Cash Withdrawal Limit 1000 (maximum 2000) *Only if you get your account debited in the local currency. **All limits are preset at 1000 and can be changed to your convenience. Fidor Bank Savings Bonds At Fidor Bank, we endeavour to adapt our offering to the needs of our clients while keeping things as simple as possible. For this reason, we have 6 of 10
7 decided to let our clients invest as little as 100 in Savings Bonds for the duration of their choice (3, 6, 9, 12, 18, 24 and 36 months). Savings Bonds can be created at any point in time, in less than 60 seconds, directly from a Fidor Bank Smart Current account. Issuing a Savings Bond is FREE and has no management fee, the only thing we require is that you hold a Fidor Smart Current Account with a balance in excess of the amount of the Savings Bond you want. Create your Savings Bond until 5.30pm on a working day. All bonds created after 5.30pm will only be funded on the next working day. If you create your bond before 5.30pm it will be funded on the same day and will become visible in your overview around 8.15pm. Deposit Term Interest Rate Minimum 100 Maximum 100,000 3 Months 0.50% p.a. 6 Months 0.70% p.a. 9 months 0.90% p.a. 12 Months 1.20% p.a. 18 Months 1.30% p.a. 24 Months 1.40% p.a. 36 Months 1.60% p.a. Interest rates are calculated on the basis of the euro interest rate method. I nt e r e s t de po s it : The interest payment together with the amount invested is directly deposited into your Fidor Smart Current Account at the end of the duration of the Savings Bond you have chosen, subject to any applicable tax. If your Savings Bond matures on a weekend day or a bank holiday it will be credited to your account on the next working day. Representative example: Your Savings Bond matures on a Saturday. This day will be replaced by the next working day (German Civil Code BGB 193) and as such you will not receive credit for the Sunday because the Sunday lies outside the period covered by the bond. Fidor Bank will credit the total amount (principal plus interest earned) on the next working day (in this example that would be Monday) to the Fidor Smart Current Account of the beneficiary of the bond. No t e s a bo ut t he s t a t ut o r y de po s it ins ur a nc e : Fidor Bank AG is a member of the Statutory Compensation Scheme for German Banks. This deposit insurance scheme covers customer deposits in the amount of the GBP equivalent of 100,000. Interest rate on Fidor Smart Current Account At Fidor Bank, we are all about community banking and know happy customers are our best advocates. For this reason, we have decided to reward the community for their active participation in helping us spreading the word on Facebook with a Like-Interest rule. The principle is simple: The more likes Fidor UK receives on Facebook, the higher the interest rate on the Fidor Smart Current Account balance will be! 7 of 10
8 Amount of Fidor UK Facebook Likes Less than 2,000 (reached) Interest Rate 0.25% p.a. Fr o m 2, % p.a. 1 From 4,000 From 6,000 From 8,000 From 10, % p.a. 0.40% p.a. 0.45% p.a. 0.50% p.a. 1 The interest rate is currently 0.3% per annum. The variable interest rate is currently 0.3% per annum (effective , subject to change). Due to interest calculation methods, any hurdle that is achieved by the 25th day of any given month will result in the new interest rate coming into effect in the next month. Interest rates are calculated on the basis of the euro interest rate method. Overview of the states of EEA and EU belonging to SEPA Please be aware that if you transfer money to a country that has a currency other than EUR you might be charged a conversion fee by the receiving bank. The procedure for all SEPA transfers is as follows. Your GBP amount gets converted into EUR at the displayed exchange rate and sent to the receiving bank. If the receiving bank account is not denominated in EUR, then the receiving bank will convert the EUR amount into the local currency. This exchange rate is set by the receiving bank and may vary from market rates. The receiving bank may also charge a fee for the conversion. Fidor Bank will not cover any fees charged by the receiving bank or guarantee the exchange rate used by the receiving bank. Target Country ISO Country Code (BIC / IBAN) IBAN Length Local Currency Currency Abbreviation Affiliation Austria AT 20 Euro EUR EU / EEA Belgium BE 16 Euro EUR EU / EEA Bulgaria BG 22 Bulgarian Lev BGN EU / EEA 2 Croatia HR 21 Croatian Kuna HRK EU / EEA Cyprus CY 28 Euro EUR EU / EEA Czech Republic CZ 24 Czech Koruna CZK EU / EEA Denmark DK 18 Danish Krone DKK EU / EEA Estonia EE 20 Euro EUR EU / EEA Finland FI 18 Euro EUR EU / EEA 1 8 of 10
9 Target Country ISO Country Code (BIC / IBAN) IBAN Length Local Currency Currency Abbreviation Affiliation France FR 27 Euro EUR EU / EEA Germany DE 22 Euro EUR EU / EEA Greece GR 27 Euro EUR EU / EEA Hungary HU 28 Hungarian Forint HUF EU / EEA Iceland IS 26 Icelandic Krona ISK EEA Ireland IE 22 Euro EUR EU / EEA Italy IT 27 Euro EUR EU / EEA Latvia LV 21 Euro EUR EU / EEA Liechtenstein LI 21 Swiss Franc CHF EEA Lithuania LT 20 Euro EUR EU / EEA Luxembourg LU 20 Euro EUR EU / EEA Malta MT 31 Euro EUR EU / EEA Monaco MC 27 Euro EUR - Netherlands NL 18 Euro EUR EU / EEA Norway NO 15 Norwegian Krone NOK EEA Poland PL 28 Polish Zloty PLN EU / EEA Portugal PT 25 Euro EUR EU / EEA Romania RO 24 New Romanian Leu RON EU / EEA San Marino SM 27 Euro EUR EUR Spain ES 24 Euro EUR EU / EEA Slovakia SK 24 Euro EUR EU / EEA Slovenia SI 19 Euro EUR EU / EEA Sweden SE 24 Swedish Krona SEK EU/EEA Switzerland CH 21 Swiss Franc CHF - UK & Northern Ireland GB 22 Pound Sterling GBP EU / EEA 1 EU = European Union; EEA = European Economic Area 9 of 10
10 2 Not all banks in C roatia are taking part in S EP A. 10 of 10
EUROPEAN UNION. Chapter prepared by. Marc Greven (mg@acea.be)
EUROPEAN UNION Chapter prepared by Marc Greven (mg@acea.be) ACEA Avenue des Nerviens 85 B 1040 Brussels Tel : + 32.2.732.55.50 Fax : + 32.2.738.73.10 www.acea.be TAX GUIDE 14 EU 1 MOTOR VEHICLE TAXATION:
More informationInternational transfers are not always easy to understand.
SEPA, Page 1 of 8 International transfers are not always easy to understand. We re here to help you. International payments. SEPA, Page 2 of 8 The idea of a single European payments area. SEPA the concept.
More informationCredit transfer to Customer account with AS "Meridian Trade Bank" EUR, USD free of charge * - 4.1.2. Other countries currency information in the Bank
Pricelist for individuals residents of Latvia SERVICES 4. TRANSFERS In the Bank PRICE LIST IN EUR Using «MultiNet» 4.1. 4.1.1. Credit transfer to Customer account with EUR, USD free of charge * 4.1.2.
More informationRates and Charges. Effective from 6 October 2014
Rates and Charges Effective from 6 October 2014 For full details of when and how interest is payable, please refer to your Account Specific Terms and Conditions. Previous interest rates For previous interest
More informationRates and Charges. Effective from 1 January 2016
Rates and Charges Effective from 1 January 2016 For full details of when and how interest is payable, please refer to your Account Specific Terms and Conditions. Previous interest rates For previous interest
More informationNeed to send money abroad securely?
International Payments Need to send money abroad securely? Trust us to get it there. Sending money abroad with Lloyds TSB. It s easy and secure. As a Lloyds TSB customer, if you need to send money overseas,
More informationCO2 BASED MOTOR VEHICLE TAXES IN THE EU IN 2015
CO2 BASED MOTOR VEHICLE TAXES IN THE EU IN 2015 COUNTRY AT (AUSTRIA) BE (BELGIUM) BG (BULGARIA) CO2/FUEL CONSUMPTION TAXES A fuel consumption tax (Normverbrauchsabgabe or NoVA) is levied upon the first
More informationTARIFF & CUT-OFF TIMES - IRELAND
TARIFF & CUT-OFF TIMES - IRELAND January 2015 Domestic Outgoing Payments Transfer Type Product at sender Third-party payments Group transfers Account Transfer External Within Danske Bank in Ireland Account
More informationDanske Bank - Personal Customers Payment Table. www.danskebank.co.uk
- Personal Customers Payment Table www.danskebank.co.uk Payment Table Personal current accounts and Personal savings accounts EFFECTIVE FROM 15 SEPTEMBER 2015 Payment Table Personal current accounts and
More informationSchedule of International Transaction Charges. This document contains important information. Please read carefully and retain for future reference.
Schedule of International Transaction s This document contains important information. Please read carefully and retain for future reference. June 2014 Contents Bureau de Change page 2 Card Transactions
More informationSURVEY ON THE TRAINING OF GENERAL CARE NURSES IN THE EUROPEAN UNION. The current minimum training requirements for general care nurses
SURVEY ON THE TRAINING OF GENERAL CARE NURSES IN THE EUROPEAN UNION This survey serves as a background document for the discussion of the Commission's legislative proposal to modernize the minimum requirements
More information72/2015-21 April 2015
72/2015-21 April 2015 Provision of deficit and debt data for 2014 - first notification Euro area and EU28 government deficit at 2.4% and 2.9% of GDP respectively Government debt at 91.9% and 86.8% In 2014,
More informationOur patent and trade mark attorneys are here to help you protect and profit from your ideas, making sure they re working every bit as hard as you do.
Our patent and trade mark attorneys are here to help you protect and profit from your ideas, making sure they re working every bit as hard as you do. Our people work with everyone from multi-nationals
More informationNew Relationship Service Fee - 20 EUR (one-time) Relationship Maintenance Fee - 20 EUR (yearly) Business Accounts
General Tariff of Charges Tariff effective as of June 21, 2016 Account Service Fees Personal Accounts Sata Personal Accounts /TRY/GBP/JPY/CHF/USD/BGN New Relationship Service Fee - 20 (one-time) Relationship
More informationENTERING THE EU BORDERS & VISAS THE SCHENGEN AREA OF FREE MOVEMENT. EU Schengen States. Non-Schengen EU States. Non-EU Schengen States.
ENTERING THE EU BORDERS & VISAS THE SCHENGEN AREA OF FREE MOVEMENT An area without internal borders where EU citizens and non-eu nationals may move freely EU Schengen States Non-Schengen EU States IS Azores
More informationPricelist. Retail Banking
Pricelist Retail Banking Price list of retail banking Table of Contents: 1. Deposits and savings 3 2. Account access 4 2.1 Debit cards 4 2.2 Online banking 4 2.3 Mobile banking 5 2.4** SMS services 5 2.5
More informationOVERVIEW OF PURCHASE AND TAX INCENTIVES FOR ELECTRIC VEHICLES IN THE EU
01.04.2014 OVERVIEW OF PURCHASE AND TAX INCENTIVES FOR ELECTRIC VEHICLES IN THE EU This table provides an overview of the incentives that are granted in the Member States of the European Union for the
More informationSEPA. Changes in the Payment System Implementation of the European SEPA Regulations for Kuna and Euro Payments
SEPA Changes in the Payment System Implementation of the European SEPA Regulations for Kuna and Euro Payments SEPA The Single Euro Payments Area (SEPA) stands for a European Union (EU) payments integration
More informationPayments via Unitel & Corporate Netbank Request for Transfer Customer tariff effective from 1 September 2016
Payments via Unitel & Corporate Netbank for Transfer Customer tariff effective from 1 September 2016 Contents About the... 3 Charges... 3 and local... 3 Intercompany transfers... 3 Cancellations... 3 Disclosure
More informationInformation concerning Terms and Conditions of Provision of Payment Services by Citibank Europe plc, pobočka zahraničnej banky
Information concerning Terms and Conditions of Provision of Payment Services by Citibank Europe plc, pobočka zahraničnej banky I. Introductory Provisions 1. This Information concerning Terms and Conditions
More informationEuropean Research Council
ERC Advanced Grants 2011 Outcome: Indicative Statistics Reproduction is authorised provided that the source ERC is acknowledged NB: In these graphs grantee refers to a candidate selected for ERC funding
More informationERMInE Database. Presentation by Nils Flatabø SINTEF Energy Research. ERMInE Workshop 2 - Northern Europe Oslo, 1. November 2006
ERMInE Database Presentation by Nils Flatabø SINTEF Energy Research ERMInE Workshop 2 - Northern Europe Oslo, 1. November 26 Overview Content of the Ermine Database Electronic Questionnaire RTD&D Data
More informationINVESTING IN INTANGIBLES: ECONOMIC ASSETS AND INNOVATION DRIVERS FOR GROWTH
Flash Eurobarometer INVESTING IN INTANGIBLES: ECONOMIC ASSETS AND INNOVATION DRIVERS FOR GROWTH REPORT Fieldwork: January February 213 Publication: May 213 This survey has been requested by the European
More informationINTERNATIONAL. Helping your money travel around the world. International payments travel money and CHAPS. Talk to us today
INTERNATIONAL Helping your money travel around the world International payments travel money and CHAPS Talk to us today Access your money, at home and away Maybe you have family overseas and want to send
More informationCORRESPONDENT BANKS 1 st of August 2011. This edition cancels and supersedes any previous editions. Processing Centres:
TERMS AND CONDITIONS CORRESPONDENT BANKS 1 st of August 2011 This edition cancels and supersedes any previous editions. Crédit Industriel et Commercial 6, avenue de Provence 75009 PARIS France Bank Relations
More informationEuropean Research Council
ERC Starting Grant Outcome: Indicative statistics Reproduction is authorised provided the source ERC is acknowledged ERCEA/JH. ERC Starting Grant: call Submitted and selected proposals by domain Submitted
More informationDublin, March 2013. EPSO Network of Experts in the field of Personnel Selection 14th March 2013
Dublin, March 2013 EPSO Network of Experts in the field of Personnel Selection 14th March 2013 On-going and upcoming competitions AD2012 by Citizenship AD2012 Citizenship %EU Population validated application
More informationFinnish foreign trade 2014 Figures and diagrams. 27.2.2015 FINNISH CUSTOMS Statistics 1
Finnish foreign trade 214 Figures and diagrams 27.2.215 FINNISH CUSTOMS Statistics 1 IMPORTS, EXPORTS AND TRADE BALANCE 199-214 7 billion e 6 5 4 3 2 1-1 9 91 92 93 94 95 96 97 98 99 1 2 3 4 5 6 7 8 9
More informationOverview of main costs for ING banking products for private persons So you know exactly where you stand
Overview of main costs for ING banking products for private persons So you know exactly where you stand - 2 - Our costs at a glance Do you want to bank advantageously? Then ING Luxembourg is the right
More informationInternational Products & Services. Fees, charges and services explained.
International Products & Services Fees, charges and services explained. 2 Introduction At Danske Bank, we offer a comprehensive service to our personal and business customers involved in international
More informationOur Charges. Charges are subject to revision from time to time
Our Charges This brochure gives a brief description of tariffs as charged by Bank of Valletta p.l.c. on some of its products and services. For tariffs on products or services which are not listed in this
More informationInternational Hints and Tips
International Hints and Tips Content Q: What is the cut off time for processing International payments? A: International payments must be submitted and fully approved within the cut off time indicated
More informationHow To Study The Small Ruminant Population In The European Land Animals
1 Joint Research Centre (JRC) Economic Analysis of Electronic Identification (EID) of Small Ruminants in Member States IPSC - Institute for the Protection and Security of the Citizen Ispra - Italy http://ipsc.jrc.ec.europa.eu/
More informationI have asked for asylum in the EU which country will handle my claim?
EN I have asked for asylum in the EU which country will handle my claim? A Information about the Dublin Regulation for applicants for international protection pursuant to article 4 of Regulation (EU) No
More informationFactsheet Swiss European Mobility Programme (SEMP/ex-Erasmus)
Factsheet Swiss European Mobility Programme (SEMP/ex-Erasmus) Academic year 2016-2017 1. Institutional Information 1.1. Institutional details Name of the institution Code Institution website Online course
More informationINNOBAROMETER 2015 - THE INNOVATION TRENDS AT EU ENTERPRISES
Eurobarometer INNOBAROMETER 2015 - THE INNOVATION TRENDS AT EU ENTERPRISES REPORT Fieldwork: February 2015 Publication: September 2015 This survey has been requested by the European Commission, Directorate-General
More informationPayments to Overseas banks Things to be aware of
Payments to Overseas banks Things to be aware of Payment can be made to accounts in most countries. If you wish to have your pension paid overseas, the Royal Bank of Scotland (RBS), the Funds bankers,
More informationTHE ROLE OF PUBLIC SUPPORT IN THE COMMERCIALISATION OF INNOVATIONS
Flash Eurobarometer THE ROLE OF PUBLIC SUPPORT IN THE COMMERCIALISATION OF INNOVATIONS REPORT Fieldwork: January February 2014 Publication: May 2014 This survey has been requested by the European Commission,
More informationStudy on comparison tools and third-party verification schemes
Justice and Consumers Study on comparison tools and third-party verification schemes ECCG 25/03/2015 Julien Brugerolle JUST E6 Introduction Study objectives Explore consumer behavioural patterns in the
More informationComparison of annuity markets (OECD National Annuity Markets: Features and Implications, Rusconi 2008) Mercer
May 2009 Retirement Income/Annuities Around the World What US Policy Makers Might Learn Barbara Marder, Baltimore Global Defined Contribution Consulting Leader www.mercer.com 1 Comparison of annuity markets
More informationPrivate Sector Debt Dívida do Sector Privado. dossiers. Economic Outlook Conjuntura Económica. Conjuntura Económica.
dossiers Economic Outlook Private Sector Debt Dívida do Sector Privado Last Update Última Actualização:12/08/2015 Portugal Economy Probe (PE Probe) Prepared by PE Probe Preparado por PE Probe Copyright
More informationI have asked for asylum in the EU which country will handle my claim?
EN I have asked for asylum in the EU which country will handle my claim? A Information about the Dublin Regulation for applicants for international protection pursuant to article 4 of Regulation (EU) No
More informationRULES FOR FOREIGN PAYMENTS
RULES FOR FOREIGN PAYMENTS The terms used in these Rules have the following meaning: 1. Bank mbank S.A., 2. Client a natural person, legal person or organisational unit without legal personality, provided
More informationOverview of main costs for ING banking products for private persons So you know exactly where you stand
Overview of main costs for ING banking products for private persons So you know exactly where you stand Our costs at a glance Do you want to bank advantageously? Then ING Luxembourg is the right place.
More informationImplementing the cooperation mechanisms of the RES directive current status and open questions
Implementing the cooperation mechanisms of the RES directive current status and open questions Corinna Klessmann, Ecofys Germany RE-SHAPING Workshop, Vilnius, 16.05.2011 Supported by Intelligent Energy
More informationSEPA - Frequently Asked Questions
SEPA - Frequently Asked Questions Contents SEPA Overview Questions... 2 What is SEPA?... 2 What is the aim of SEPA?... 3 Where did SEPA come from?... 3 What countries are included in SEPA?... 3 What currencies
More informationSingle Euro Payments Area
Single Euro Payments Area Overview SEPA (Single Euro Payments Area) is a European payments initiative which aims to create one single, integrated, standardised payments market in Europe. It is an area
More informationUser language preferences online. Analytical report
Flash Eurobarometer 313 The Gallup Organization Flash Eurobarometer European Commission User language preferences online Analytical report Fieldwork: January 2011 Publication: May 2011 This survey was
More informationINNOVATION IN THE PUBLIC SECTOR: ITS PERCEPTION IN AND IMPACT ON BUSINESS
Flash Eurobarometer INNOVATION IN THE PUBLIC SECTOR: ITS PERCEPTION IN AND IMPACT ON BUSINESS REPORT Fieldwork: February-March 22 Publication: June 22 This survey has been requested by the European Commission,
More informationBUSINESS-TO-BUSINESS ALTERNATIVE DISPUTE RESOLUTION IN THE EU
Flash Eurobarometer BUSINESS-TO-BUSINESS ALTERNATIVE DISPUTE RESOLUTION IN THE EU REPORT Fieldwork: March-April 22 Publication: November 22 This survey has been requested by Directorate-General for Justice
More informationOverview of main costs for ING banking products for private persons So you know exactly where you stand
Overview of main costs for ING banking products for private persons So you know exactly where you stand Our costs at a glance Do you want to bank advantageously? Then ING Luxembourg is the right place.
More informationTaxation of tobacco products in the European Union. Frank Van Driessche DG Taxation and Customs Union May 2006
1 Taxation of tobacco products in the European Union Frank Van Driessche DG Taxation and Customs Union May 2006 2 Legislation on taxation Directive 92/79/EEC (Approximation of taxes on cigarettes) Directive
More informationEUROPEAN YOUTH: PARTICIPATION IN DEMOCRATIC LIFE
Flash Eurobarometer EUROPEAN YOUTH: PARTICIPATION IN DEMOCRATIC LIFE REPORT Fieldwork: April 2013 Publication: May 2013 This survey has been requested by the European Commission, Directorate-General for
More informationPublic Debt and Contingent Liabilities: A Cross-Country Comparison
Public Debt and Contingent Liabilities: A Cross-Country Comparison Melchior Vella and Gevit Duca * 1. Contingent Liabilities 1.1 What are contingent liabilities? Contingent liabilities are obligations
More informationInterest rates and charges. Correct as at 10 November 2014 (unless stated otherwise)
rates and charges Correct as at 10 November 2014 (unless stated otherwise) rates and charges The rate and charges information set out below that applies to your product forms part of the terms and conditions
More informationCompliance Table - Guidelines
EBA/GL/2014/12 Appendix 1 21 May 2015 Updated 31 July 2015 EBA/GL/2014/12 Appendix 1 Compliance Table - Guidelines Based on information supplied by them, the following competent authorities or intend to
More informationGeneral information about the bank
GENERAL LIST OF PRICES AND SERVICES May 2014 General information about the bank I. Bank name and address Varengold Bank AG Große Elbstraße 27 22767 Hamburg Also referred to as "Varengold" or "bank" in
More information10TH EDITION MERGER CONTROL VADEMECUM FILING THRESHOLDS AND CLEARANCE CONDITIONS IN THE 29 EUROPEAN JURISDICTIONS
10TH EDITION MERGER CONTROL VADEMECUM FILING THRESHOLDS AND CLEARANCE CONDITIONS IN THE 29 EUROPEAN JURISDICTIONS 2 www.morganlewis.de This vademecum is as of February 2016 and provides initial guidance
More informationOverview of main costs for ING banking products for Business So you know exactly where you stand
Overview of main costs for ING banking products for Business So you know exactly where you stand Contents Accounts 4 Current Account 4 Debit and credit interest rates for current accounts without arranged
More informationINTERNATIONAL SERVICES TARIFF
INTERNATIONAL SERVICES TARIFF Supporting your international business Our service promise. If you experience a problem, we will always try to resolve it as quickly as possible. Please bring it to the attention
More informationand transfers in foreign currency in Denmark Consumers Effective from 1 January 2015
This is a translation of an original document in the Danish language. In case of discrepancies, the Danish version prevails. and transfers in foreign currency in Denmark Consumers Effective from 1 January
More informationGDP per capita, consumption per capita and comparative price levels in Europe
Economy and finance Author: Lars SVENNEBYE Statistics in focus 2008 GDP per capita, consumption per capita and comparative price levels in Europe Final results for 2005 and preliminary results for 2006
More informationVoluntary health insurance and health care reforms
Voluntary health insurance and health care reforms Sarah Thomson Senior Research Fellow, European Observatory Deputy Director, LSE Health IMF conference, Paris, 21 st June 2011 Health financing policy
More informationTariffs and Conditions
Tariffs and Conditions The present translation is furnished for the customer s convenience only. The original German text of the Tariffs and Conditions is binding in all respects. In the event of any divergence
More informationInterest rates and charges. Correct as at 1 January 2014 (unless stated otherwise)
rates and charges Correct as at 1 January 2014 (unless stated otherwise) rates and charges The rate and charges information set out below that applies to your product forms part of the terms and conditions
More informationHOW COMPANIES INFLUENCE OUR SOCIETY: CITIZENS VIEW
Flash Eurobarometer HOW COMPANIES INFLUENCE OUR SOCIETY: CITIZENS VIEW REPORT Fieldwork: October-November 2012 Publication: April 2013 This survey has been requested by the European Commission, Directorate-General
More informationSMES, RESOURCE EFFICIENCY AND GREEN MARKETS
Eurobarometer SMES, RESOURCE EFFICIENCY AND GREEN MARKETS REPORT Fieldwork: September 2013 Publication: December 2013 This survey has been requested by the European Commission, Directorate-General for
More informationMicrosoft Dynamics NAV. SEPA Credit Transfers and Direct Debits
Microsoft Dynamics NAV SEPA Credit Transfers and Direct Debits July 2012 EXECUTIVE SUMMARY... 1 SEPA PAYMENT INSTRUMENTS... 2 SEPA CREDIT TRANSFERS... 2 SEPA DIRECT DEBITS... 2 OVERVIEW OF SEPA DIRECT
More informationINTRODUCTION... 2. I. Participation in the 2014 European elections... 3
?? Directorate-General for Communication PUBLIC OPINION MONITORING UNIT 2014 EUROPEAN ELECTIONS DESK RESEARCH Brussels, April 2015 Profile of voters and abstainees in the European elections 2014 INTRODUCTION...
More informationVP Bank Accounts and Payment Services Vaduz, January 2014
VP Bank Accounts and Payment Services Vaduz, January 2014 Contents 3 Accounts 3 Savings accounts 3 Retirement provision accounts 4 Transaction accounts 6 Detailed information on VP Bank Accounts 7 Payment
More informationTerms and Conditions for Credit Transfers
Further details of the Bank are contained in the List of Prices and Services ( Preis- und Leistungsverzeichnis ) The present translation is furnished f the customer s convenience only. The iginal German
More informationFAQ TrustPay internet banking
FAQ TrustPay internet banking General Information What is the difference between TrustPay account and a bank account? TrustPay account is a payment account under the Law 492/2009 of payment services. This
More informationEUROPEAN SEMESTER THEMATIC FICHE ACCESS TO FINANCE
EUROPEAN SEMESTER THEMATIC FICHE ACCESS TO FINANCE Access to finance is key to business development. Investment and innovation are not possible without adequate financing. A difficulty in getting finance
More informationand transfers in foreign currency in Denmark Corporate Effective from 17 June 2016
This is a translation of an original document in the Danish language. In case of discrepancies, the Danish version prevails. and transfers in foreign currency in Denmark Corporate Effective from 17 June
More informationAccounts and payment services VP Bank Ltd, valid from 1 October 2015
Accounts and payment services VP Bank Ltd, valid from 1 October 2015 VP Bank Ltd is a bank domiciled in Liechtenstein and is subject to the Financial Market Authority (FMA) Liechtenstein, Landstrasse 109,
More informationSocial dumping and free movement: Overview of current issues from an economic point of view
Social dumping and free movement: Overview of current issues from an economic point of view Prof. dr. Jozef Pacolet & Frederic De Wispelaere Design Charles & Ray Eames - Hang it all Vitra Statistics on
More informationFamily Law. Fieldwork: June 2006 Report: October 2006
The Gallup Organization Flash EB N o 188 Consular Protection and Family Law Flash Eurobarometer European Commission Family Law Summary Fieldwork: June 06 Report: October 06 Flash Eurobarometer 188 The
More informationEUROPE 2020 TARGET: EARLY LEAVERS FROM EDUCATION AND TRAINING
EUROPE 2020 TARGET: EARLY LEAVERS FROM EDUCATION AND TRAINING By 2020, the share of early leavers from education and training (aged 18-24) should be less than 10% Early school leaving 1 is an obstacle
More informationSchengen routing or Schengen encryption?
Schengen routing or Schengen encryption? Secure communication and digital sovereignty in Europe Prof. Norbert Pohlmann Internet Key Figure System (IKS) act with the right key figure IKS performs continuous
More informationLIST OF STANDARD COSTS OF THE BANK INDIVIDUALS August, 11th 2015
LIST OF STANDARD COSTS OF THE BANK INDIVIDUALS August, 11th 2015 1 INTESA SANPAOLO BANK offer dedicated to individuals STANDARD Current Account MY SALARY MY PENSION LIDER EXCLUSIV Best solution for sporadic
More informationEdith Soghomonyan National Erasmus+ Office Armenia. American University of Armenia
Edith Soghomonyan National Erasmus+ Office Armenia American University of Armenia 1 OUTLINE Erasmus Mundus Joint Master Degrees (EMJMD) General overview How to participate as an Organisation/ Selection
More informationCredit & Debit Card Payments. Factsheet
Credit & Debit Card Payments Factsheet Contents 1. Card Types... 2 2. Supported countries... 2 3. First Funding via Credit / Debit Card... 3 4. Transaction Currencies... 4 5. Currency Conversion... 4 6.
More informationDANSKE BANK A/S LATVIA BRANCH PRICELIST FOR LEGAL CUSTOMERS
Approved by Management committee of Danske Bank A/S Latvia branch (Meeting No 5/06 from 6 July 06) Effective from 3 of July 06 DANSKE BANK A/S LATVIA BRANCH PRICELIST FOR LEGAL CUSTOMERS. Current account.....
More informationReport on the Possibility for Insurance Companies to Use Hedge Funds 1
CEIOPS-DOC-06/05 Rev.1 Report on the Possibility for Insurance Companies to Use Hedge Funds 1 December 2005 1. Introduction The purpose of this survey is to gather information at Community level on the
More informationThe coverage rate of social benefits. Research note 9/2013
Research note 9/2013 SOCIAL SITUATION OBSERVATORY INCOME DISTRIBUTION AND LIVING CONDITIONS APPLICA (BE), EUROPEAN CENTRE FOR THE EUROPEAN CENTRE FOR SOCIAL WELFARE POLICY AND RESEARCH (AT), ISER UNIVERSITY
More informationSESAR. Luftfahrttechnologie - Auftaktveranstaltung zum 7. EU-Forschungsrahmenprogramm Wien, 4 Dezember 2006
Luftfahrttechnologie - Auftaktveranstaltung zum 7. EU-Forschungsrahmenprogramm Wien, 4 Dezember 2006 SESAR Christian Pusch EUROCONTROL Experimental Centre European page 1Organisation of 22 for the Safety
More informationEuropean judicial training 2014. Justice
European judicial training 2014 Justice Europe Direct is a service to help you find answers to your questions about the European Union. Freephone number (*): 00 800 6 7 8 9 10 11 (*) Certain mobile telephone
More informationEUROPEAN AREA OF SKILLS AND QUALIFICATIONS
EUROPEAN AREA OF SKILLS AND QUALIFICATIONS REPORT Fieldwork: April - May 2014 Publication: June 2014 This survey has been requested by the European Commission, Directorate-General for Education and Culture
More informationERGP (12) 33 ERGP report on data collection ERGP REPORT WITH DATA ON INDICATORS ON THE POSTAL MARKET
ERGP REPORT WITH DATA ON INDICATORS ON THE POSTAL MARKET April 2013 Contents List of Tables... 3 List of Figures... 3 Country codes... 5 Executive Summary... 6 Part 1 Background and objectives... 8 Part
More informationMinimum Wage Protection Current German and European Debates
Årskonferanse i Fafo Østforum Fire år etter EU-utvidelsen: Status og framtidsperspektiver Oslo, 3 June 2008 Minimum Wage Protection Current German and European Debates Thorsten Schulten Wirtschafts- und
More informationInternational Services tariff
International Services tariff Contents International Services Sending money abroad 1 International payments 1 International drafts 1 Receiving money from abroad 1 Cut-off times and exchange rates 2 BIC
More informationRETAILERS ATTITUDES TOWARDS CROSS- BORDER TRADE AND CONSUMER PROTECTION
Eurobarometer RETAILERS ATTITUDES TOWARDS CROSS- BORDER TRADE AND CONSUMER PROTECTION REPORT Fieldwork: September - October 2012 Publication: June 2013 This survey has been requested by the European Commission,
More informationSMEs and Operators from Developing Countries. Micro-Enterprises Standard
Article 9(4) of Regulation (EC) No 66/2010 of the an Parliament and of the Council of 25 November 2009 on the EU Ecolabel requires the EU Ecolabel Competent Bodies to which an application is made to charge
More informationATTITUDES OF EUROPEANS TOWARDS BUILDING THE SINGLE MARKET FOR GREEN PRODUCTS
Flash Eurobarometer 367 ATTITUDES OF EUROPEANS TOWARDS BUILDING THE SINGLE MARKET FOR GREEN PRODUCTS SUMMARY Fieldwork: December 2012 Publication: July 2013 This survey has been requested by the European
More informationPRICE LIST OF SERVICES OF PPF banka a.s. for Legal Entities
PRICE LIST OF SERVICES OF PPF banka a.s. for Legal Entities Contents 1. Payment accounts in CZK 2 1.1. Legal entities 2 1.2. Foundations and Endowment funds 2 2. Payment accounts in foreign currency 2
More informationERASMUS+ MASTER LOANS
ERASMUS+ MASTER LOANS Erasmus+ Master Loan: opening up access to more affordable lending for cross-border studies The Erasmus+ programme makes it possible for students who want to take a full Masters level
More informationFinnish foreign trade 2013 Figures and diagrams. 7.2.2014 TULLI Tilastointi 1
Finnish foreign trade 213 Figures and diagrams 7.2.214 TULLI Tilastointi 1 IMPORTS, EXPORTS AND BALANCE OF TRADE 199-213 billion e 7 6 5 4 3 2 1-1 9 91 92 93 94 95 96 97 98 99 1 2 3 4 5 6 7 8 9 1 11 12
More informationSMALL AND MEDIUM-SIZED ENTERPRISES' ACCESS TO FINANCE
EUROPEAN SEMESTER THEMATIC FICHE SMALL AND MEDIUM-SIZED ENTERPRISES' ACCESS TO FINANCE Thematic fiches are supporting background documents prepared by the services of the Commission in the context of the
More informationC o r p o r a te s & I n s t i tu t i o n s F e e s & C h a r g e s
C o r p o r a te s & I n s t i tu t i o n s F e e s & C h a r g e s Corporates & Institutions Introduction At Danske Bank we have a clear and simple policy; to provide a professional service that s suited
More information