Rates for business transaction services. Letting you know where you stand

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1 Rates for business transaction services Letting you know where you stand

2 All charges at a glance What rates and fees does ING charge for business transactions? This brochure provides an overview of the rates that apply for corporate account holders. The services and transactions are exempt from VAT unless expressly stated otherwise. That way you know where you stand. These rates apply from July 205 and are subject to change. Check for current rates.

3 Content Basis for banking 4 Business transaction services packages Business accounts Internet banking Cards Transfers within the SEPA countries 6 Incoming credit transfers in euros Outgoing credit transfers in euros Card acceptance: products Card acceptance: transactions Card acceptance: credit card transactions ideal emandates Payments at Point of Sale terminal Transfers outside the SEPA countries 9 Incoming credit transfers Outgoing credit transfers Incoming cheques Payments at Point of Sale terminal Cash money 0 Cash deposits Cash withdrawals Being your International Business Partner Bank guarantees ING International Cash Management, Products & Services Documentary payments Account and balance information 3 Digital account statements Paper-based account statements Rates for business transaction services October 205 3

4 Basis for banking For business customers, ING has a number of payment transaction packages and services. Details of what services are included in the packages and what they cost, are given below. Business transaction services packages The business transaction services packages from ING consist of a business account, debit card and internet banking capability with Mijn ING Zakelijk and the Mobiel Bankieren App. The rates for your transaction services are given in this brochure. The differences between the business transaction services packages are detailed below. Starterspakket This free business payment services package is intended specifically for new start-ups. Ondernemerspakket This is the standard business payment services package from ING. Verenigingen en Stichtingen Pakket This business payment services package is specifically intended for clubs, associations and foundations. The Starterspakket is for free in the first year. 00% discount on your efficient transaction services duration: 2 months costs: 9.50 per month indefinite duration costs: 9.50 per month 50% discount on your efficient transaction services, with a maximum of on a quarterly basis indefinite duration Business accounts 2 Current account G-account Third-party account 3 Foreign currency account 4.50 per account, per month 4.50 per account, per month 4.50 per account, per month 7.50 per account, per month Visit ING.nl/zakelijk for more information about the products and an overview of rates for business credit transfer products. 2 Check ING.nl/zakelijk/betalen/tarieven for the amount of interest and how it is calculated, as well as the interest on the foreign currency and third-party accounts. 3 Interest is payable on amounts to a maximum value of 20 million euros. Rates for business transaction services October 205 4

5 Internet banking Mijn ING Zakelijk Purchase fee Subscription fee InsideBusiness Payments Purchase fee Subscription fee Fee per user per month per month 3.50 per month InsideBusiness Connect Subscription fee per month Adding customer to current InsideBusiness Connect contract of a Service Desk Remote Initiation Services (for InsideBusiness Payments and InsideBusiness Connect) Multibank Reporting per month Multibank credit transfers 5.70 per month, plus 8.00 per account, per month Equens Corporate Payment Service CPS multiple credit transfer/direct debet CPS credit transfer/direct debet CPS Upload Batch CPS Internet Services CPS Secure FTP subscription CPS Purchase Internet Services, one off fee New CPS connection, set-up fee Adding customer to current CPS contract of a Service Desk.5 per batch per item 2.00 per batch 7.00 per month, per token per month per token Cards Debit Card Back-up Debit Card Business Card Corporate Card, company invoicing Corporate Card, personal invoicing Emergency provision of Business Card/Corporate Card.25 per card, per month 7.50 per card per card, per year per card, per year per card, per year per card Rates for business transaction services October 205 5

6 Transfers within the SEPA countries Your business account enables you to make euro transactions in the Netherlands and around the world. The transaction charges are given below. Incoming credit transfers in euros Standard credit transfer 0.5 Acceptgiro 0.35 Direct debit 0.09 per item 2.00 per batch Urgent credit transfer (within NL).00 Outgoing credit transfers in euros Single credit transfer 0.07 Single credit transfer (paper-based).80 Multiple credit transfer 0.05 per item 2.00 per batch Cancellation fee multiple credit transfer.40 per item.40 per batch Rejection multiple credit transfer 0.20 per item 2.00 per batch Direct debit 0.09 per item Refusal, reject, return, refund direct debit per item Refund unauthorised direct debit per awarded claim Acceptgiro (paper-based).50 Standing order 0.50 Urgent credit transfer, digitally delivered 4.50 plus 0.07 of a single credit transfer Urgent credit transfer, via branch (within NL) 0.00 Investigations and inquiries of SEPA credit transfers Transactions to non-sepa countries in a multiple credit transfer are charged at 5.00 per item. 2 Payable by collecting bank. Rates for business transaction services October 205 6

7 Card acceptance: products Pin Pakket Compleet The fees of the packages are per month (excl. VAT): This package consists of the subscription fee, rental fee for Fixed ADSL the Point of Sale terminal and the service contract charge. Fixed GPRS The GPRS packages also include the fee for the telecom Mobile GPRS connection. Fee per Point of Sale terminal 3.65 per month (excl. VAT) If you already have a Point of Sale terminal and wish to accept cards via ING, then a fee is charged for each connected Point of Sale terminal instead of a package price. Card acceptance: transactions In addition to the package price or fee for each Point of Sale terminal, you will also be charged a fee for the pin transactions executed by your customers. Then you can choose between tiered or bundled pricing. If you do not choose for bundled pricing then the tiered pricing will automatically apply. Explanation tier Tier Fee Pin transactions made using Maestro and V PAY can be (in transactions per month) (per transaction) accepted within the fee tier. The more pin transactions 0 to you accept per month, the lower the fee per transaction. 50 to to to to, >, Explanation bundle Bundle Fee Transactions made using Maestro and V PAY can be (in transactions per month) (per month) accepted within a bundle. A bundle is a certain number of Maestro or V PAY transactions that you pay for per month The fee charged for transactions exceeding the bundle is per transaction, regardless of the card brand. There are no other charges for acceptance of Maestro and V PAY. The fee for Maestro and V PAY transactions includes a covenant discount of 0.0. Rates for business transaction services October 205 7

8 Card acceptance: credit card transactions The charge for credit card transactions (Point Of Sale Transactions and no E-Commerce Transactions) is made up of a percentage fee calculated on the transaction amount. The rate charged depends on:. The sector in which your company operates There are three categories: normal: all sectors not included in low or high; low: brown goods/white goods, petrol/diesel and food; high: travel organisations/travel sector, casinos, airlines and airports. 2. The card used for the transaction VISA credit card or MasterCard. 3. The method by which a transaction is submitted Via electronic point-of-sale terminal or using sales slips. The use of paper-based sales slips is only permitted when this has been pre-agreed and with ING s written permission. Normal Low High VISA MasterCard VISA MasterCard VISA MasterCard Via POS terminal 2.50% 2.20% 2.30% 2.00% 3.30% 3.00% Via sales slip 2.55% 2.25% 2.35% 2.05% 3.35% 3.05% ideal Connection 0.00 Subscription per month - 2,000 transactions per month 0.50 per transaction 2,00-0,000 transactions per month 0.40 per transaction More than 0,000 transactions per month on request emandates Subscription per month (excl. VAT) Receive emandate 0.75 per mandate (excl. VAT) Payments at Point of Sale terminal Via Debit Card in Eurozone 0.00 Via Businesscard/Corporate Card in Eurozone 0.00 Eurozone: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovenia, Slovakia and Spain. In some non-eurozone countries it is also possible to withdraw cash and pay in euros. On transactions in foreign currencies, exchange rate surcharge is applied. Rates for business transaction services October 205 8

9 Transfers outside the SEPA countries Does your business operate outside the SEPA countries? By using ING s international payment service your incoming and outgoing payments will be processed swiftly en efficiently. This applies to both your payments in foreign currencies and your payments in euros outside the SEPA countries. Incoming credit transfers International SHA 0.% of the amount (min. 5.00, max ) International BEN 0.% of the amount (min. 5.00, max ) plus foreign bank charges International Account Sweeping 0.00 Surcharge for fax notification 6.00 Outgoing credit transfers International SHA 0.% of the amount (min. 6.00, max ) International OUR 0.% of the amount (min. 6.00, max ) plus foreign bank charges 2 International Account Funding 9.00 Surcharge Urgent International transfer 8.00 Surcharge for submission Urgent International transfer via or fax Surcharge fax notifications Investigations and inquiries of International credit transfers Incoming cheques Cheque under usual reserve plus 0.% of the amount (min , max ) Cheque after final credit transfer plus 0.% of the amount (min , max ) Fee for unpaid return Payments at Point of Sale terminal Via Debit Card outside Eurozone 5.00% exchange rate surcharge 6 Via Business Card outside Eurozone 5.50% exchange rate surcharge 6 Via Corporate Card outside Eurozone 5.95% exchange rate surcharge 6 SHA: client and beneficiary each pay their own transaction fees. BEN: beneficiary pays all costs. OUR: client pays all costs. Visit ING.nl/zakelijk/betalen/tarieven for the OUR rates. 2 Bank charges vary per country. 3 Cheques are cleared without prejudice to the right of ING to reverse the transaction if the cheque is returned by the signatory s bank. 4 This applies always for amounts with a cheque value of 50,000 or more and for banks with whom ING does not do business. 5 Eurozone: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovenia, Slovakia and Spain. In some non-eurozone countries it is also possible to withdraw cash and pay in euros. On transactions in foreign currencies, exchange rate surcharge is charged. 6 The exchange rate surcharge is included in the cost of the transaction. Rates for business transaction services October 205 9

10 Cash money Cash money becomes less and less important in transactions. But at the same time you cannot do without it. It is possible to exchange, withdraw and deposit cash money on your current account. Cash deposits Cash deposit packaged Banknotes via Sealbag safe 3.00 per deposit plus 0.% of transaction value 2 Banknotes via security transport company per deposit plus 0.% of transaction value 2 Coinage via Multimunt Sealbag per set of 0 bags 4 Cash deposit unpackaged Deposit via machine 3.50 per deposit plus 0.2% of transaction value 5 Banknotes via counter 3.50 per deposit plus 0.2% of transaction value 5 Coinage in standard quantities, via counter 0.30 per coin bag of 3.00 per foil bag, plus 3.50 per deposit, plus 0.2% of transaction value Cash withdrawals Withdrawal from automatic teller machine Via Debit Card in Eurozone Via Debit Card outside Eurozone per transaction +.0% exchange rate surcharge 7 Via Business Card/Corporate Card in Eurozone per transaction Via Business Card outside Eurozone per transaction +.50% exchange rate surcharge 7 Via Corporate Card outside Eurozone per transaction +.95% exchange rate surcharge 7 Withdrawal at bank office Cash withdrawal at counter via Debit Card per withdrawal Coinage withdrawal at counter via Debit Card per roll/bag (standard quantities), subject to a minimum of 5.00 per transaction Cash withdrawal via Business Card/Corporate 3.0% withdrawal fee with a minimum of 4.50 per Card in Eurozone 6 transaction Cash withdrawal via Business Card 3.0% withdrawal fee with a minimum of 4.50 per outside Eurozone 6 transaction +.50% exchange rate surcharge 7 Cash withdrawal via Corporate Card 3.0% withdrawal fee with a minimum of 4.50 per outside Eurozone 6 transaction +.95% exchange rate surcharge 7 Includes cash deposit material. 2 On a non-qualitative deposit, a surcharge of 5.00 is applied. 3 Charges payable to the security transport company are not included in this rate and are your responsibility to arrange. 4 Includes 0 sealbags, transport, sorting, counting and crediting the account. 5 Deposits under 5,000 are only possible via the machine. 6 Eurozone: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovenia, Slovakia and Spain. In some non-eurozone countries it is also possible to withdraw cash and pay in euros. On transactions in foreign currencies, exchange rate surcharge is charged. 7 The exchange rate surcharge is included in the cost of the transaction. 8 With an ING Debit Card at a ING bank office in the Netherlands. Rates for business transaction services October 205 0

11 Being your International Business Partner We give you a hand to be successful abroad. Visit ING.nl/zakelijk for more information about doing business internationally. The rates of bank guarantees and documentary payments are given below. Bank guarantees New bank guarantee / New bank guarantee via InsideBusiness Trade Amendment of existing bank guarantee / Amendment of existing bank guarantee via InsideBusiness Trade Tailor-made bank guarantee (legal review) Claim handling fee Advising fee Urgency surcharge for new bank guarantee Commission.30% per year 6 (annual minimum 80.00) ING Internationaal Cash Management, Products & Services International Account Service 7 on request In a complex international environment you want to utilize your working capital in the best possible way and keep you fundings in control. ING has several solutions for this. Please contact us for information on our solutions, international products and rates. This rate applies for a request and an amendment which is processed in 5 days. 2 This rate applies for a request and an amendment which is processed in 3 days. 3 Excludes the costs of requesting a new bank guarantee. 4 Postage and communication charges, and charges of third parties are charged separately. 5 Courier costs are charged separately. 6 Standard percentage of amount of bank guarantee, unless agreed otherwise. 7 This fee is applicable for opening, having and closing an account in a country outside of your country of incorporation. Rates for business transaction services October 205

12 Documentary payments Collections Import Handling charges import collection Handling charges protest Handling charges amendment Collections Export Handling charges export collection 2, Handling charges amendment Import Letters of Credit Opening charges via internet Opening charges paper based Amendment fee (instruction online) 2, Amendment fee (instruction on paper) 2, Handling charges documents 0.00 (excl. VAT) Commission opening commitment Documents commission Commission acceptance/deferred payment commitment A percentage to be charged for each opening and each month started (min per month), paid at once, based on the full term and the total amount of the commitment. 0.5% of the value of the documents amount (excl. VAT) A percentage to be charged for each acceptance/deferred payment and each month started (min per month), paid at once, based on the full term and the total amount of the commitment. Export Letters of Credit Handling charges advice Amendment fee Handling charges documents 0.00 Handling charges transfer Confirmation commitment A percentage to be charged for each opening and each month started (min per month), calculated on a monthly basis on the amount of the commitment outstanding. Documents commission 0.5% of the value of the documents amount Acceptance/deferred payment commission Pre-checking of documents A percentage to be charged for each acceptance/deferred payment and each month started (min per month), paid at once, based on the full term and the total amount of the commitment. Communication and other charges Communicating a message electronically 6.00 Communicating the opening of a documentary credit Advising documents by fax Handling charges endorsement per set of documents No general transfer commission is charged on payments associated with documentary collections or documentary credits. 2 Postage and communication charges, and charges of third parties, where applicable, are charged separately. 3 Handling charges include one inquiry about the status of the payment. The charge for each subsequent inquiry is If the amendment of a credit involves an increase in the amount, implying increased risk for the bank, opening commitment commission is charged on imports and confirmation commitment commission is charged on exports. 5 Charge for one copy of an invoice and one copy of a transportation document. For each additional document a charge of 3.50 is applicable. Rates for business transaction services October 205 2

13 Account and balance information Having the latest information on your bank account balance and transactions is essential for managing your business. ING offers various ways of keeping track of your incoming and outgoing payments and the cleared balance on your business account. The associated costs are detailed below. Digital account statements Account information digital 0.07 per transaction Forwarding account information to a third bank 6.00 per account, per month, plus 0.45 per SWIFT message Geïntegreerde Mutatie Uitvoer (GMU) 7.50 per delivery 0.06 per item Paper-based account statements Monthly statement 0.95 per statement Biweekly statement 0.95 per statement Weekly statement 0.95 per statement Daily statement 0.95 per statement Duplicate statement 0.95 per statement Copy of statement 6.25 per statement (excl. VAT) Business Card/Corporate Card statement 0.00 Copy of Business Card/Corporate Card statement 8.00 per statement Does not apply to Mijn ING Zakelijk. Rates for business transaction services October 205 3

14 The registered office of ING Bank N.V. is located at Amsterdam, Trade Register number in Amsterdam. Information contained in this brochure applies from October 205 and is subject to change. This also applies to rates and interest percentages. For more current information please go to ING.nl/zakelijk or call

15 Want to know more? Visit ING.nl/zakelijk or ingcommercialbanking.com Or call

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