INDIVIDUALS LIST OF STANDARD COSTS. Bank of

Transcription

1 INDIVIDUALS LIST OF STANDARD COSTS Bank of

2 The official binding version of the List of Standard Costs is in Romanian, while the English translation has been done merely for advisory purpose. Provided any discrepancies, divergences or conflicts between the Romanian and English versions, the Romanian version will prevail.

3 THE LIST CONTAINS THE BANK S STANDARD COSTS - RETAIL - INDIVIDUALS June 2012

4 CURRENT ACCOUNTS CURRENT ACCOUNTS Standard Account 007 Account Lider Package Account opening commission eq. 5 Lei 5 Lei/1.5 Euro Commission on transforming one account opened into another type of current account Commission for modification of signature specimen Account administration fee Account statement release commission eq. 1,25 lei/month first month: free of charge Each account holder having standard current accounts in more currencies will pay the administration fee for only one account. 1,9 Lei/month for RON account 0,50 EUR/month for EUR account first month: free of charge eq. 5 Lei 8 Lei/ 4 Euro/month first month: For every calendar month in which the client credited (through cash deposit or banking transfer) the LIDER current account (lei or euro) with the minimum amount of 400 lei/200 euro and the amount has been deposited in this account at least 24 hours, the commission is discounted with 50% (namely 4lei/2 Euro). Account closure commission 2/21

5 CASH OPERATIONS CASH DEPOSITS ON BANK COUNTERS Lei/Foreign Currency cash deposit CASH WITHDRAWALS ON BANK COUNTERS 0.50% on the value of the amount withdrawn 0.40% on the value of the amount withdrawn, if the amount withdrawn comes from the interest and/or the principal of a: Lei cash withdrawal commission* term deposit with progressive interest deposit with variable interest certificate of deposit opened before 1 st January 2010 and the withdrawal was not performed on the due date Foreign currency cash withdrawal commission* Unannounced cash withdrawal commission** Commission on cash withdrawal announced and not performed Standard Account 007 Account Lider Package 0.6% (minimum eq. 2 Euro) 0.50% on the value of the amount withdrawn 0.30% on the value of the amount withdrawn, if the amount withdrawn comes from the interest and/or the principal of a: term deposit with progressive interest deposit with variable interest certificate of deposit opened before 1 st January 2010 and the withdrawal was not performed on the due date. 0.75% on the value of the amount withdrawn monthly, up to 30,000 Lei: monthly, over 30,000 Lei: 0.40% on the value of the amount withdrawn monthly up to 8000 Euro: monthly over 8000 Euro: 0.40% on the value of the amount withdrawn 0.10% on the amount of the announced and not performed withdrawal 3/21

6 4/21 *Certificates of deposit, the deposits with progressive interest and deposits with variable interest have 0% cash withdrawal commission on the deposit due date, if the withdrawal is perfomed in product s original currency. Provided the due date is nonworking day, the 0% commission on cash withdrawal applies the next banking day. ** Any cash withdrawal exceeding 10,000 Lei or equivalent must be announced 1 day in advance and any cash withdrawal exceeding 50,000 Lei or 5,000 Euro equivalent for foreign currency must be announced 2 days in advance. Provided the Bank, through the territorial unit, has available the amount requested and not announced by the client, the client request can be performed. Commission for foreign currency authenticity check 0.5 Lei/checked banknote - for non-clients TRANSFERS DOMESTIC TRANSFERS - INCOMING Incoming commission up to 500 Lei - Interbanking (Lei/operation) between , Lei Transaction value over 50,000 Lei Commission on Incoming from other bank s clients - intrabanking (Lei/operation) Commission on transactions between accounts of the same Client - intrabanking (Lei/operation) Commission on CEC/Promissory note/bills of exchange remitance for collection (inter and intrabanking) Lei/item Standard Account 007 Account Lider Package DOMESTIC TRANSFERS - OUTGOING Commisssion on payments up to 500 Lei 3.5 Lei 3.5 Lei 3.5 Lei to clients of other Banksinterbanking (Lei/operation) between , Lei 7 Lei 7 Lei 3.5 Lei Transaction value over 50,000 Lei 19 Lei 19 Lei 19 Lei Commission on payments to other clients of the bank - intrabanking (Lei/operation) Commission refusal/revoke/recover interbanking payment (Lei/ operation) Note: In case of small value payments/incoming (< 50,000 Lei) processed as large value transfers (=>50,000 Lei), the transfer is charged with the commission of large value transfers. Commissions on lei transactions include Transfond/BNR fees. For cash withdrawals or transfers coming from credit disbursing, the commissions of corresponding transactions are ZERO (simple payment order, conditioned payment order, cash withdrawal, etc.) 2 Lei

7 TRANSFERS (cont.) INTERNATIONAL TRANSFERS - INCOMING Incoming commission - BEN/SHA/OUR - for Bank s clients Standard Account 007 Account Lider Package INTERNATIONAL TRANSFERS - OUTGOING Commission on payments to Correspondent banks commission, for OUR payments other clients of the bank - intrabanking clients of other Banks-interbanking clients of other Banks-interbanking - SEPA Transfer Operations in Euro Operations in USD Operations in GBP Operations in CHF Operations in NOK Operations in SEK Operations in DKK Operations in CAD Operations in other currencies Standard Account 007 Account Lider Package 0.20%; min. eq 10 Euro; max. eq 1,000 Euro 0.20%; min. eq 10 Euro; max. eq 1,000 Euro 0.20%; min. eq 10 Euro; max. eq 1,000 Euro 20 Euro 40 USD 20 GBP 30 CHF 250 NOK 200 SEK 245 DKK 45 CAD eq 25 Euro 1.5 Euro 5/21

8 TRANSFERS INTERNATIONAL TRANSFERS - OUTGOING (2) Commission amendment/investigation payment (eq. Euro/ operation) (Does not apply for incomings coming from UE / EEA* countries, Elvetia and Monaco, in the currencies of these states) Commission on payment refusal notification (eq. Euro/ operation) Commission on payment revoking/ recovery Operations in Euro Operations in USD, CAD, AUD sau JPY Operations in GBP Operations in CHF Operations in NOK, SEK or DKK Operations in HUF Operations in PLN Operations in other currencies Commission on urgent transfer (eq. Euro/operation) Standard Account 007 Account Lider Package eq. 25 Euro 10 Euro eq. 40 USD 25 GBP 50 CHF 20 Euro HUF 120 PLN eq. 30 Euro eq. 30 Euro Commission on SWIFT transfer(eq. Euro/operation) 12 Euro 12 Euro Postal taxes on documents expedition through special delivery (eq. Euro/operation) - commission debited on document collection eq. 45 Euro 6/21 *EU countries: Austria, Belgium, Bulgaria, Czech Republic, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Irland, Italy, Latvia, Lithuania, Luxembourg, Malta, Great Britain, The Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Hungary; EEA Countries: Liechtenstein, Island, Norway Commissions on Lei transactions include Transfond/BNR fees.

9 INTERNET BANKING INTERNET BANKING Commisssion on payments to clients of other Banks-interbanking (lei/ operation) Transaction value Standard Account 007 Account Lider Package up to 500 Lei 2 Lei 2 Lei between 500, ,99 Lei Commission on payments to other clients of the bank - intrabanking (lei/operation) Commisssion on payments to clients of other Banksinterbanking (foreign currency/operation) Commisssion on payments to clients of other Banksinterbanking - SEPA transfers (foreign currency/operation) Commission on standing order activation/modification through Internet Banking Service subscription commission / (eq Euro/month/ contract) 5 Lei 5 Lei over Lei 16 Lei 16 Lei 0,15%; min. eq. 10 Euro; max. eq. 600 Euro eq. 2 Euro first month - free of charge 0,15%; min. eq 10 Euro; max. eq 600 Euro 0,15%; min. eq. 10 Euro; max. eq. 600 Euro eq. 1 Euro first month - free of charge Hard Token guarantee eq. 5 Euro eq. 5 Euro Replacement of lost/stolen/deteriorated Hard Token Mobile Token set-up (commission applied 1 time) Commissions on lei transactions include Transfond/BNR fees. eq. 20 Euro eq. 1 Euro 7/21

10 DIRECT DEBIT DIRECT DEBIT Direct Debit service opening fee Direct Debit service administration fee Standard Account 007 Account Lider Package Commission on payments to other clients of the bank - intrabanking (Lei/operation) Commisssion on up to 500 Lei 2 Lei 2 Lei payments to clients of other Banks-interbanking between , Lei 5 Lei 5 Lei (Lei/operation) Transaction value over 50,000 Lei 16 Lei 16 Lei STANDING ORDER STANDING ORDER Activation/modification commission stranding order transfer Standard Account 007 Account Lider Package eq. 2 Lei Commission on payments to other clients of the bank - intrabanking (Lei/operation) Payment Commission for transfers within client's accounts - intrabanking Commisssion on up to 500 Lei 2 Lei 2 Lei payments to clients of other Banks-interbanking between , Lei 5 Lei 5 Lei (Lei/operation) Transaction value over 50,000 Lei 16 Lei 16 Lei Commissions on Lei transactions include Transfond/BNR fees. 8/21

11 TRADE FINANCE DOCUMENTARY PAYMENT ORDER Received documentary payment order approval fee (Lei, Foreign Currency/approval) Documentary payment order payment fee (Lei, Foreign Currency/ operation) Documentary payment order amendment (received/issued)/ investigation/cancelation fee (eq. Euro/amendment, investigation or cancelation) TRADE RECEIVABLES - SIMPLE INCASSO Trade receivables approval/delivery fee (Cheques, bills, Promissory Notes) Trade receivables payment fee (Cheques, bills, Promissory Notes)// (Foreign currency/operation) Returned unpaid Cheque release fee (eq. Euro/instrument) LETTER OF GUARANTEES (L/Gs) RECEIVED Received Letter of Guarantees (L/Gs) notification fee (without the Bank confirmation) (eq. Euro/operation) Received Letter of Guarantees (L/Gs) cancellation fee (eq. Euro/operation) Fee on payment request sending for execution of Received Letter of Guarantees (L/Gs) (eq. Euro/operation) Amendments/investigations/cancelations fee (eq. Euro/operation) Authorized signatures verification fee (eq. Euro/operation) following the request of a non-bank client 0.10% min. eq. 50 Euro 0.20% min. eq. 50 Euro eq. 25 Euro 0.15%; min. eq. 25 Euro; max. eq. 500 Euro 0.20%; min. eq. 10 Euro; max. eq. 1,000 Euro eq. 5 Euro eq. 50 Euro eq. 25 Euro 0.10%; min. eq. 75 Euro; max. eq. 500 Euro eq. 25 Euro eq. 25 Euro 9/21

12 GOOD PERFORMANCE GUARANTEE DEPOSIT Commission on good performance guarantee deposit analysis (percentage fee calculated on the deposit s total value) Good performance guarantee deposit opening fee ESCROW DEPOSIT ESCROW DEPOSIT Escrow deposit administration fee 0.07% min eq. 15 Lei 5 Lei 0.07%, min. eq. 100 Euro 10/21 TREASURY BILLS, DERIVATIVES TREASURY BILLS, DERIVATIVES Treasury bills account opening commission (Lei/operation) 10 Lei Commission on sale of T Bills on Secondary Market Trading commission - FORWARD ON CURRENCY EXCHANGE RATE (Euro/tranzaction) 10 Euro Trading commission limit order - FORWARD ON CURRENCY EXCHANGE RATE (Euro/ tranzaction) 5 Euro Mandate commission - FORWARD ON CURRENCY EXCHANGE RATE Trading commission - SWAP ON CURRENCY EXCHANGE RATE (Euro/tranzaction) 10 Euro Penalty commission for not cleared SWAP ON CURRENCY EXCHANGE RATE 0.10% Mandate commission - SWAP ON CURRENCY EXCHANGE RATE (Euro/tranzaction) T Bills auction/subscription participation commission (Lei/operation) 100 Lei Commission on incoming and/or outgoing operations developed through SNCDD clearing account(lei/operation) Lei Commission on incoming and/or outgoing operations developed through BVB clearing account(lei/operation) Lei

13 SAFE DEPOSIT BOXES SAFE DEPOSIT BOXES Safe deposit box monthly rental fee (Lei/month/safe deposit box) Increased fee (Lei/month/safe deposit box) (fee collected when there are overdue amounts to safe deposit box monthly rental fee) Safe deposit box replacement fee Commission on replacement access badge to safe deposit box Small: 80 Lei, VAT included Medium 1: 120 Lei, VAT included Medium 2: 150 Lei, VAT included Large: 200 Lei, VAT included Extra Large: 250 Lei, VAT included Standard monthly fee + 50% Standard fee established by service provider 50 Lei GET MONEY TO FAMILY GET MONEY TO FAMILY - Money transfer from Italy to Romania TRANSFERRED AMOUNT 0-3,098 Euro 3, ,000 Euro Incoming commission taken from the beneficiary with current account opened on Intesa Sanpaolo Bank Free of charge Romania Incoming commission taken from the beneficiary without current account opened on Intesa Sanpaolo Bank Romania 14 Euro 24 Euro 11/21

14 OTHER COMMISSIONS AND INTERESTS OTHER COMMISSIONS AND INTERESTS Unauthorized overdraft interest rate Lei 40.00% Euro 25.00% Unauthorized overdraft penalty interest rate Lei 40.00% Euro 25.00% Account balance confirmation letter to audit eq. 50 Euro Commission on release letter of good standing (Lei/operation) 100 Lei Commission on verification on client request CIP, CRB, BC (Lei/operation) 10 Lei Commission on obtaining Extract, etc. from the Trate Registry Office (Lei/operation) 120% cost value Commission on available balances operation on accounts blocked by enforcement authorities eq. Lei Commission on incoming and outgoing operations (to/from clients' accounts) ordered by enforcement autorities eq. Lei 12/21

15 ACCUMULATION PLAN ACCUMULATION PLAN Accumulation plan opening fee Accumulation plan administration fee Cash withdrawal commission Account statement monthly release commission Intrabanking transfer commission from/to Accumulation Plan Accumulation Plan standing order transfer commission Monthly saving amount Accumulation plan initial (opening) balance Minimum balance to be maintained on Accumulation Plan Transfer date Lei: 0.2% from amount withdrawn min. 1 Leu Euro: 0.2% from amount withdrawn min. 1 Euro Lei: min. 40 max. 4,000 Euro: min. 10 max. 1,000 Lei: min. 40 max. 10,000 Euro: min. 10 max. 2,500 Lei: 40 Euro: 10 5 th or 25 th of every month, depending on client s option 13/21

16 CREDIT OPERATIONS CREDIT OPERATIONS FNGCIMM analysis unique fee in case of guarantee preapproval Overdraft No fees applied Personal needs loan without guarantees Personal needs loan with real estate mortgage Mortgage loan/ mortgage loan for residential projects Prima Casa loan N/A N/A N/A 0.15% Analysis fee 150 Lei eq.300 Euro eq.200 Euro N/A Granting fee N/A N/A N/A 0.50% Management fee owed to FNGCIMM annually value, collected monthly in loan's currency Advanced repayment commission (compensation for advanced repayment) Fee for services delivered at customer's request (Lei) Pledge registrationcancellation of registration cost (Lei/contract) N/A N/A N/A 0.49% N/A N/A N/A N/A 100 Lei 100 Lei 100 Lei 0 Lei N/A according to AEGRM's operator price list according to AEGRM's operator price list according to AEGRM's operator price list For cash withdrawals or transfers coming from credit disbursing, the commissions of corresponding transactions are ZERO (simple payment order, conditioned payment order, cash withdrawal, etc.) 14/21

17 MAESTRO DEBIT CARDS MAESTRO DEBIT CARDS FEE CATEGORY STANDARD LIDER Main card issuing fee//lei/issued card Fee taken when the issuing request/replacement request is made. The fee is taken when the 5 Lei replacement (reissuing) of the card, due to expiry reasons, takes place. Suplementary card issuing fee//lei/issued card Fee taken when the issuing request/replacement request is made. The fee is taken when the 5 Lei replacement (reissuing) of the card, due to expiry reasons, takes place. Replacement fee in case of lost/stolen/damaged/demagnetized/blocked card as a consequence of forgotten PIN//(Lei/replaced card ) 10 Lei 10 Lei Fee taken at the replacement request Emergency replacement fee // (Lei/replaced card) Fee taken at the replacement request 10 Lei 10 Lei Adminsitration fee//(lei/card) Monthly fee ( the fee will be automatically taken in the last working day of the month). 1 Leu / month ATM statement fee//(lei/statement) Fee taken at statement request Statement fee-delivered through basic mailing channel (in Romania)//(Lei/ statement) Fee taken at statement delivery ATM or POS balance inquiry fee//(lei/inquiry) Fee taken at inquiry Card blocking fee (e.g.: Blocked card as stolen/los at request) Fee taken at blocking 5 Lei Cash withdrawal fee from bank s ATMs Percentage fee from transaction value, taken at transaction completion 0.25% Cash withdrawal fee from bank s POS Percentage fee from transaction value, taken at transaction completion 0.40% ATM/POS cash withdrawal fee-other banks (domestic) Percentage fee from transaction value, taken at transaction completion 0.5% Lei ATM/POS cash withdrawal fee-other banks (international) Percentage fee from transaction value, taken at transaction completion 0.5% Lei 15/21

18 MAESTRO DEBIT CARDS (cont.) MAESTRO DEBIT CARDS FEE CATEGORY STANDARD LIDER Merchant purchase fee (POS other banks) - domestic Percentage fee from transaction value, taken at transaction completion Merchant purchase fee (POS other banks) - international Percentage fee from transaction value, taken at transaction completion Unjustified chargeback fee Fee taken at the chargeback s resolution 20 Lei minimum, needed to cover the respective costs MAESTRO CARD DAILY TRANSACTION LIMITS MAESTRO CARD DAILY TRANSACTION LIMITS LIMIT CATEGORY STANDARD ACCOUNT LIDER PACKAGE ATM cash withdrawal + bank's cashier cash withdrawal 5,000 Lei Cards transation exchange rate BNR + 3% Merchant transactions 7,500 Lei 16/21

19 MASTERCARD CREDIT CARDS MASTERCARD CREDIT CARDS MasterCard STANDARD MasterCard GOLD MasterCard PLATINUM LIMIT TYPE STANDARD GOLD PLATINUM ATM balance inquiry fee PIN change fee PIN renewal fee Card emergency replacement fee 30 Lei 150 Lei 350 Lei Cash withdrawal fee from the credit line at branch's cashbox Bank's POSs card usage fee 2,5% + 5 Lei 1% + 5 Lei Other bank's POSs card usage fee 2,5% + 5 Lei 1% + 5 Lei Bank's ATMs card usage fee 1% + 4 Lei 1% + 5 Lei Other domestic banks' ATMs card usage fee 1% + 4 Lei 1% + 5 Lei Other foreign banks' ATMs card usage fee 1% + 4 Lei 1% + 5 Lei Merchant transactions fee Unjustified chargeback fee N/A N/A 20 Lei Lost/stolen reissuing fee 15 Lei 100 Lei Main card issuing fee Suplementary card issuing fee 15 Lei *0= if a financial transaction is done within 30 days from activation/issuing 13 Lei *0= if a financial transaction is done within 30 days from activation/issuing 100 Lei *0= if a financial transaction is done within 30 days from activation/issuing 75 Lei *0= if a financial transaction is done within 30 days from activation/issuing 350 Lei 250 Lei Maximum one Suplementary Card 17/21

20 MASTERCARD CREDIT CARDS (cont.) MASTERCARD CREDIT CARDS MasterCard STANDARD MasterCard GOLD MasterCard PLATINUM LIMIT TYPE STANDARD GOLD PLATINUM Main card annual tax 30 Lei 160 Lei N/A Suplementary card annual tax 15 Lei 80 Lei 15 Lei Main card monthly admnistration fee N/A 40 Lei Suplementary card monthly admnistration fee Monthly account inquiry fee Airport lounge access cardholder fee Henry Coanda airport lounge access cardholder fee Henry Coanda airport guest lounge access MASTERCARD CREDIT CARDS daily transaction limits N/A N/A MasterCard STANDARD N/A N/A First 6 entrances for free, in which guests are included, afterwards 15 Euro/access 15 Euro/access, maxim 2 guests MasterCard GOLD 0 Maximum one Suplementary Card 30 USD / access În 2011, first 6 entrances for free, in which guests are included First 12 entrances for free, in which guests are included, afterwards 15 Euro/access 15 Euro/access, maxim 2 guests MasterCard PLATINUM LIMIT TYPE STANDARD GOLD PLATINUM Daily cash withdrawal limit Daily merchant transaction limit 5,000 Lei 7,500 Lei Cash withdrawal from the credit limit 100% Maximum credit limit 10,000 Lei or 2,500 Euro 30,000 Lei or 7,500 Euro 10,000 Lei or 2,500 Euro Minimum amount to be paid 5% + 100% fees and interests Exchange rate card transactions BNR + 3% 18/21

21 CUT-OFF TIMES LEI PAYMENTS Interbanking Lei payments with value up to 50,000 Lei via Internet Banking 16:45 via branches 16:45 Interbanking Lei payments with value up to 50,000 Lei via Internet Banking 13:30 processed urgently (same day clearing) via branches 13:30 Interbanking Lei payments with value exceeding via Internet Banking 16:45 50,000 Lei via branches 16:45 Interbanking Lei payments with value exceeding via Internet Banking 14:15 50,000 Lei processed urgently (same day clearing) via branches 14:15 Lei payments between Intesa Sanpaolo Bank accounts via Internet Banking 16:45 (intrabanking) via branches 16:45 FOREIGN CURRENCY EXCHANGE Foreign currency exchange via Internet Banking 15:45 via branches 16:00 FOREIGN CURRENCY PAYMENTS Payments in foreign currency via Internet Banking 16:00 via branches 16:00 Payments in foreign currency processed urgently (for via Internet Banking 13:00 which is requested same day clearing) via branches 13:00 Foreign currency payments between Intesa Sanpaolo via Internet Banking 16:45 Bank accounts (intrabanking) via branches 16:45 DEBIT INSTRUMENTS OPERATIONS Presentation of cheques, promissory notes and bills to interbanking 13:45 be collected intrabanking 16:45 electronically processed 14:00 on the day previous to Account balance coverage for clearing debit clearing instruments received for payment that cannot be electronically processed 10:00 on the day previous to clearing 19/21

22 I declare that I have been informed by the present List of Standard Costs of the Bank and I agree that these costs be applied during the relationship with the Bank, starting with the mentioned date. I understand and accept Bank s reserved right to modify the level of commissions, fees and/or taxes depending on the market evolution, its comercial politics and/or specific conditions of transactions, having in mind the preservation of legal and contractual stipulations. Client signature Date 20/21

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