FEES AND COMMISSIONS FOR BANKING SERVICES APPLIED TO LEGAL ENTITIES*

Transcription

1 FEES AND COMMISSIONS FOR BANKING SERVICES APPLIED TO LEGAL ENTITIES* With changes and additions, according to the President Decision, in force beginning: new fees modification of p and p modification of Ch.I, Ch.II, Ch.IV, Ch.VI and Ch.VII modification of Ch.I, Ch.II, Ch.IV, Ch.V, and Ch.VI modification of p modification of p , and addition point in Ch.I addition point in Ch.I modification of p and p modification and addition in Ch.I and Ch.II addition p.10 and modification of p and p modification of p and p addition p.11 in Ch.I modification, addition points in Ch.VII modification and addition in Ch.I, Ch.V and Ch.VI addition Ch. VIII addition Ch. I modification and addition in Ch.I, Ch.VI and Ch.VII modification and addition in Ch.I addition in Ch. VI p and modification in Ch.I p1.6.7., Ch VII modification of Ch.VII addition in Ch. II: point modification of p , 1.1.5, , , 1.3.2, 1.3.3, 1.3.4, 1.6.3, 1.7.2, deleted p modification and addition in Ch.IV: p , , 4.2.5, 4.2.6, modification and addition in Ch.IV: p , 4.5.2, modification and addition in Ch.VII: p.7.5.1, modification in Ch.I: p , addition in Ch.VII: p , p , p modification and addition Ch. I: p , Ch. VI: p , 6.1.4, 6.1.7, addition Ch. VII: p , modification and addition Ch. I: p , , 1.3.2, 1.8.3, 1.8.4, Ch. II: p modification and addition Ch. I: p , 6.2.2, 6.2.5, 6.2.6, modification and addition Ch. VII: p.7.7.1, modification and addition Ch. IV: p , 4.5.2, modification and addition Ch. VII: p.7.5.1, 7.5.2, * - including individuals engaged in entrepreneurial activity Standard fees and commissions - for legal entities Page 1 of 8

2 I. OPENING AND ACCOUNT MANAGEMENT 1 Opening / Closing of accounts MDL - For residents of request of opening current account or at the opening 100 lei paid in cash or by transfer; except current accounts for operations with bankcards (2258) Analyzing the documents for opening current account - For non-residents of request of (modified by Decision of President of the Bank from , in force beginning ) opening current account or at the opening 200 lei paid in cash or by transfer; except current accounts for operations with bankcards (2258) Applied for opening new account which will replace conventional closed account in the 0 lei case final closing conventional closed account Opening of deposit account / saving account 350 lei be charged at the moment Closing of current account It applies only if the opening account will (modified by Decision of President of the Bank from , in force beginning ) 70 lei replace conventional closed account Closing of deposit account / saving account Foreign currency * - For residents of request of opening current account or at the opening 10 EUR paid in cash or by transfer; except current accounts for operations with bankcards (2258) Analyzing the documents for opening current account - For non-residents of request of (modified by Decision of President of the Bank from , in force beginning ) opening current account or at the opening 15 EUR paid in cash or by transfer; except current accounts for operations with bankcards (2258) Applied for opening new account which will replace conventional closed account in the 0 EUR case final closing conventional closed account Opening of deposit account / saving account 25 EUR be charged at the moment Closing of current account It applies only if the opening account will (modified by Decision of President of the Bank from , in force beginning ) 5 EUR replace conventional closed account Closing of deposit account / saving account Autentification of signature and stamp Card for opening and managing the current account in MDL and Foreign Currency 100 lei - for 1 copy (modified by Decision of President of the Bank from , in force beginning ) Autentification of additional signature and stamp Card for opening and managing the current account in MDL and Foreign Currency (modified by Decision of President of the Bank from , in force beginning ) 50 lei 2 Account Management Monthly maintenance of current account current account in MDL 2 EUR current account in USD, EUR 2 EUR (modified by Decision of President of the Bank from , in force beginning ) current account in other currencies (modified by Decision of President of the Bank from , in force beginning ) 2 EUR 3 Statements Issuance of account statements Issuance of copies of account statements on client's request (modified by Decision of President of the Bank from in force beginning ) Issue list of operations at the client's request 10 lei/page 4 Cash Operations in MDL Cash deposits Cash withdrawal 1,5% Cash collecting from clients by bank collection and transport service, cash delivery to client's address, guarding client with cash by collection and transport service, according to preceding order cash collecting from clients cash delivery to client's address guarding client with cash 5 Cash Operations in Foreign Currency * Foreign currency (USD, EUR, RUB) cash deposits Foreign currency (USD, EUR, RUB) cash withdrawal - for each signature - for 1 copy 10 lei/page be charged at the moment on client's request 0,2%-0,6%, min.800 lei 0,2%-0,6%, min.800 lei 0,2%-0,6%, min.800 lei 0,50% of the amount min. 10 EUR min. 10 EUR - for each current account, - be charged on the account anniversary date on which the commission takes, - equivalent on account currency on which the commission taken, at oficial NBM exchange rate - of the amount plus VAT plus VAT plus VAT be charged at the moment be charged at the moment Standard fees and commissions - for legal entities Page 2 of 8

3 6 Settlement operations in MDL Receiving amounts by transfer into the current account Payments to other customers in the bank on paper 3 lei per one document by system for remote banking service "Client-Bank" 2 lei per one document Transfers between accounts (inclusive the account opened within the payroll project) of the same customer in the bank (as well through "Client per one document 2 lei - Bank" system) be charged at the moment (modified by Decision of President of the Bank from , in force beginning ) Transfers between the current account and credit of the same customer in case of loan repayment Transfers between the current account and the deposit account of client Payments for other bank customers on paper 6 lei per one document by system for remote banking service "Client-Bank" 5 lei per one document Operations based on POS management contracts in other banks 6 lei per one transaction Transfer money from the current account of the legal person in the current account / deposit / card of the person: to other customers in the bank (modified by Decision of President of the Bank from , in force beginning ) to other bank customers Transferring money into the current account of the client open in another bank Assistancen in searching payments that have not reached the destination 0.5% of the amount min. 5 lei min. 5 lei min. 5 lei, max. 100 lei apply additional to p lei for one transfer - apply additional to p or p Receips the documents for payment to "collection" 20 lei per one document 7 Settlement operations in Foreign Currency * Receipt amounts in current account by transfer Transfers between accounts (inclusive the account opened within the payroll project) of the same customer in the bank 2 EUR (modified by Decision of President of the Bank from , in force beginning ) Transfers between the current account and credit of the same customer in case of loan repayment Payments / transfers money at the order of Mobiasbancă clients for other Mobiasbancă clients (included by Decision of President of the Bank from , in force beginning ) 0,10% of the amount min. 10 EUR, max. 100 EUR Transfers between the current account and the deposit account of client Payments / transfers money at the order of Mobiasbancă clients for other bank customers (including Client-Banca system) Transfers money into the current account of the client open in another bank 0,25% of the amount min. 25 EUR, max. 250 EUR 0,10% of the amount min. 10 EUR, max. 100 EUR Forwarding messages to external (SWIFT) 10 EUR - per one document - not be charged extra fee p and p or be paid equivalent in MDL at the apply additional to p apply additional to p or be paid equivalent in MDL at the FULL PAY (introduced by Decision of President of the Bank from , in force beginning ) 20 EUR - apply additional at the client request and for USD payments with option OUR only - apply additional to p or be paid equivalent in MDL at the Changes, inquiries, cancellations, remand for transfer into foreign currency at the customer's request (modified by Decision of President of the Bank from , in force beginning ) 50 EUR + commissions of correspondent banks per one operation Payments / transfers received in favor of other bank customers 20 EUR except LORO accounts 8 Other services According to exchange Sale / purchase / conversion of foreign currency by bank transfer quotation of the bank Processing payments at client s request 30 lei - per one document - except payment of credit and interest rate - inclusively VAT Duplicate of payment documents (modified by Decision of President of the Bank from in force beginning ) 30 lei - per one document SWIFT message copy (modified by Decision of President of the Bank from in force beginning ) 30 lei - per one document Processing confirmations of financial transactions: finding a bank account 30 lei finding the balance of bank account 60 lei finding turnover for a indicated period for a period of up to 6 s 60 lei for a period exceeding 6 s 200 lei per one document for registered client up to 1 year 60 lei for registered client over 1 year 200 lei cash acumulation for additional shares issue 100 lei about accounts closing 100 lei 200 lei + 20 lei / per each Processing confirmations of financial documents in the archive of bank document raised from the archive Processing confirmations of bank credit debt at the client's request (subject to the entrepreneurial activity) 200 lei per one document Other banking services 100 lei for one request Standard fees and commissions - for legal entities Page 3 of 8

4 9 ESCROW service Opening of ESCROW account ESCROW service (introduced by Decision of President of the Bank from , in force beginning ) Transfers money into the ESCROW account 10 Programmed payments Connection to the service Monthly maintenance Changing client request for setting and cancelation 0.5% - 2% of the amount Payment processing in MDL inside the bank 2 lei / per transfer be charged at the moment of transfer Payment processing in FCY inside the bank 1 EUR / per transfer be charged at the moment of transfer 11 Cash Management SogeCash International INFOSWIFT Connection to the service Monthly maintenance 10 EUR / per one account be charged on first day of the Forwarding message MT940/950 to external by SWIFT SogeCash International ORDERS RECEIVED Connection to the service Monthly maintenance 20 EUR / per one account be charged on first day of the Payment processing MT101 by SWIFT - in MDL According p or FCY According p or II. REMOTE BANKING SERVICES 1 Client - Bank system (PC-banking) Connection to remote banking system "Client-Bank" (PC-banking) Monthly maintenance of the transactions processed through Client - Bank system (modified by Decision of President of the Bank from , in force beginning ) Issuing public keys certificates Reissue (repeated generation) of public keys certificates, if they were lost or in case of user changing Visualisation of account statements (balance / account movements) 40 lei Disconnecting from remote banking system "Client-Bank" or temporarily blocking at the client's request Repeated connection to remote banking system "Client-Bank" (if previously issued application was lost / destroyed) Maintenance / Recovering of the system by Client Bank Administrator lei at the client s calling at his office 2 "Contactell" Service Maintainance and service of personal accounts through Contactell Service: (imodified by Decision of the President of the Bank from , in force beginning ) Subscription CONTACTELL 12" 15 lei Subscription "CONTACTELL 100" 50 lei Subscription "CONTACTELL Package" 10 lei - charged on the last banking day of the - commission does not exclude charging for ly maintenance of current account (p ) - for one call - first call (to install the system) - free of charge - per - 12 connections per * - per connections per * - per - 12 connections per * CONTACTELL without subscription 5 lei - unique access commission *When accessing over all connections included in subscription, each following access will be taxed according to standard commission applied for Contactell without subscription III. CONVENTIONS 1 Payroll Project (card) Transfer and payment of salaries to employees via the card accounts max. 0,80% IV. INTERNATIONAL DEVELOPMENT 1 Import letters of credit Opening/raising the amount 0,25% of the amount, min. 50 EUR, max. 300 EUR Guarantee fee except L/C secured by collateral deposit Letter of Credit with cash collateral Letter of Credit secured by credit facilities 0.2% of the amount - commission is charged ly or part of Organizing the acceptance of the L/C by foreign bank 30 EUR Acceptance the L/C by foreign bank De facto cost of the foregn bank Modifying of the L/C 30 EUR except increase the amount Verification documents for letter of credit used by Mobiasbanca 0,20% of the amount, min. 50 EUR, max. 300 EUR Processing payment for L/C (modified by Decision of President of the Bank from , in force beginning ) 0,25% of the amount min. 25 EUR, max. 300 EUR or be paid equivalent in MDL at the Divergences in presented documents 50 EUR from recipient Cancelling the letters of credit 30 EUR Fee for release the documents without verification 15 EUR - for one set of documents Standard fees and commissions - for legal entities Page 4 of 8

5 2 Export letters of credit First L/C notification 25 EUR L/C notification 50 EUR Verification documents for letter of credit used by Mobiasbanca 0,20% of the amount, min. 50 EUR, max. 300 EUR Advising L/C modifications 30 EUR L/C confirmation L/C with cash collateral, IFI guaranties (EBRD, IFC etc.) 0,06% of the amount, min. 50 EUR within the limits approved for the banks 0.02%-0.42% of the amount, min. 50 EUR Transfer of L/C to other beneficiary 0,30% of the amount min. 50 EUR, max. 500 EUR Reimbursment claim on third bank 50 EUR Solving the document discrepancies 50 EUR Receiving and delivering documents to the bank designated foreign, 15 EUR + express curier without their verifying commission Replacement of documents already submitted to external 30 EUR + express curier commission Cancelling the export letters of credit 30 EUR 3 Export Incasso Remittal documents for accepting / cashing 0,20% of the amount min. 30 EUR, max. 200 EUR Modifying initial conditions 25 EUR Fate of documents inquiry 10 EUR Return unpaid documents 25 EUR 4 Import Incasso Incasso notification 40 EUR Advising incasso modifications 40 EUR Payment incasso documents (modified by Decision of President of the Bank from , in force beginning ) 0,25% of the amount min. 25 EUR, max. 300 EUR Protest charges 2% + protest commissions (notary, taxes) Delivery of documents for goods dispatched directly to the address of the bank 50 EUR Issuance of documents without payment 25 EUR Return of unpaided documents 40 EUR 5 Bank guarantees / issued stand-by letters of credit in Foreign Currency Issuing banking guarantees / Stand-by letters of credit Guaranties secured by real estate / mobile goods min. 100 EUR Guaranties secured by money blocked on current /deposit account min. 100 EUR Guaranties secured by contra guarantee Guarantee commission Negotiable, min.150 EUR Guaranties secured by real estate / mobile goods 0.25% of the amount Guaranties secured by money blocked on current account/guarantee deposit without interest Guaranties secured by contra guarantee Receiving and checking payment request and another documents Processing payment by checking payment (modified by Decision of President of the Bank from , in force beginning ) 0.01% % of the amount, min. 50 EUR 0,20% of the amount min. 30 EUR, max. 200 EUR 0,25% of the amount, min. 25 EUR, max. 300 EUR Other changes 50 EUR Cancelling the guarantees / issued Stand-by letters of credit before the EUR expire date Authentication and presentation of requests for release from liabilities EUR under the bank guarantee Change value and / or valability banking guarantees / Stand-by letters of credit (introduced by Decision of President of the Bank from , in force beginning ) Guaranties secured by real estate / mobile goods min. 100 EUR Guaranties secured by money blocked on current /deposit account Guaranties secured by contra guarantee min. 100 EUR Negotiable, min.75 EUR 6 Bank guarantees / received stand-by letters of credit Guarantees / stand-by L/C notification 50 EUR Authentication of signatures and text analysis of bank guarantees / EUR "stand-by" L/C received by the beneficiaries Advising modifications 30 EUR Authentication and presentation to the guarantor bank the benficiary letter regarding the release from liabilities under the bank 20 EUR guarantee/stand-by LC Authentication and presentation of demand for payment under the bank EUR guarantee /stand-by LC 7 Cheques Submit to cashing the checks, min. 15 EUR + foreign bank s commissions - per or part of - per or part of or be paid equivalent in MDL at the is charged in advance ly or part of the exception - guaranties secured partly by cash collateral - in this case will be aplied commission p is charged in advance ly or part of the or be paid equivalent in MDL at the Standard fees and commissions - for legal entities Page 5 of 8

6 Postal expenses by recommended letter 2 EUR by express courier De facto cost Cheque inquiry 10 EUR + foreign bank s commissions Return unpaid cheques 8 Additional Services 15 EUR + foreign bank s commissions Telecommunication expenses (SWIFT) 10 EUR Documents transferred to banks by express post De facto cost Consulting services 100 lei V. SECURITIES MARKET SERVICES 1 State securities market services Opening brokerage account for operations 50 lei Dealing services for purchasing state securities 2 Corporate securities market services Opening brokerage account for operations 50 lei Underwriting services, issuing and setting municipal and corporate loans Brokerage operations depend on transactions value: up to lei 5%, min 75 lei from up to lei 4%, min. 500 lei from up to lei 3%, min lei from up to lei 2%, min lei from up to lei 1%, min lei from up to lei 0,75%, min lei from up to lei 0,50%, min lei from up to lei 0,40%, min lei from up to lei 0,30%, min lei from up to lei 0,20%, min lei - each message - or be paid equivalent in MDL at the - per one consultation - inclusively VAT from transaction value from lei and more 0,10%, min lei Investment consulting plus VAT Fusion and incorporate transactions plus VAT Interest rate on REPO transactions\ Commission for processing REPO transaction min Processing the investing offers and selling shares stocks Failed transactions due to cancellation or the expiry of the customer order and customer's refusal to submit another order similar to the same actions 250 lei (introduced by Decision of President of the Bank from , in force beginning ) VI. MISCELLANEOUS SERVICES 1 Safe rent Safe rent 120 lei / per - inclusively VAT - regardless of size Safe rent with inventory list (modified by Decision of President of the Bank from , in force beginning ) 1 lei for each banknote plus VAT Safe rent according to special conditions (two deponents) p % inclusively VAT Caution for holding the key caution amount will be reimbursed at the lei/key (modified by Decision of President of the Bank from , in force beginning ) expiration of the contract Penalty for delayed key return, in case the contract has expired (modified by Decision of President of the Bank from , in force beginning ) Penalty for delayed ly rent payments (modified by Decision of President of the Bank from , in force beginning ) Fine for safe enforced opening (introduced by Decision of President of the Bank from , in force beginning ) 2 Other services Sending the documents through the simple post: (modified by Decision of President of the Bank from , in force beginning ) 1,25% of the caution amount for holding the key (p ), for each delayed day 0,8% of ly payment for safe rent (p ) for each delayed day lei within the locality 10 lei outside the locality 20 lei Fax message: (modified by Decision of President of the Bank from , in force beginning ) inside of Republic of Moldova 25 lei outside of Republic of Moldova 60 lei Issuing letter for collateral of 2 level for SME and Corporate clients (modified by Decision of President of the Bank from , in force beginning ) 1.5%, min 2000 lei for Micro Enterprises and Individuals with entrepreneurial activity (modified by Decision of President of the Bank from , in force beginning ) 1.5%, min 1500 lei the fine is charged at the moment of opening of the safe box - per one document - per one page - inclusively VAT of the collateral value Confirming account balances or preparing other information provided at the request of the auditor or others correspondent bank 50 USD per one request Courier service for sending the documents (introduced by Decision of President of the Bank from , in force beginning ) De facto cost - is charged at the moment of tranzaction or after tranzaction execution - including VAT Standard fees and commissions - for legal entities Page 6 of 8

7 Sending the documents through the simple post: (introduced by Decision of President of the Bank from , in force beginning ) VII. BANK LENDING OPERATIONS ** 1 Loans for working capital Analyzing the documents for offering the loan (modified by Decision of President of the Bank from , in force beginning ) for loans by Micro-lending technology (modified by Decision of President of the Bank from , in force beginning ) for loans from BEI Filiere du Vin, RISP, IFAD and PNAET projects (included by Decision of President of the Bank from , in force beginning ) De facto cost 150 lei for other loans 300 lei -is charged at the moment of tranzaction or after tranzaction execution Granting loan fee of the loan amount Administration fee (included by Decision of President of the Bank from , in force beginning ) annual, of the loan balance Reservation fee of the unused loan amount Prolongation fee of the prolongation loan amount Pre-payment fee of the pre-payed amount Fee for delaying payment of tranche / changing the date of loan payment per one request Commission for changing / substitution / partial release of collateral (modified by Decision of President of the Bank from , in force beginning ) Other changes to the contract (included by Decision of President of the Bank from , in force beginning ) Commission of refusal (included by Decision of President of the Bank from , in force beginning ) Conversion fee of loan resources granted from RISP, IFAD projects (included by Decision of President of the Bank from , in force beginning ) 2 Investment loans Analyzing the documents for offering the loan (modified by Decision of President of the Bank from , in force beginning ) for loans by Micro-lending technology (modified by Decision of President of the Bank from , in force beginning ) for loans from BEI Filiere du Vin, RISP, IFAD and PNAET projects (included by Decision of President of the Bank from , in force beginning ) 150 lei ofthe collateral value changed / replaced / partially released of the loan balance of the loan amount refused by the client for other loans 300 lei Granting loan fee of the loan amount Administration fee annual, of the loan balance Reservation fee of the unused loan amount Prolongation fee of the prolongation loan amount Pre-payment fee of the pre-payed amount Fee for delaying payment of tranche / changing the date of loan payment per one request Commission for changing / substitution / partial release of collateral (modified by Decision of President of the Bank from , in force beginning ) Other changes to the contract (included by Decision of President of the Bank from , in force beginning ) Commission of refusal (included by Decision of President of the Bank from , in force beginning ) ofthe collateral value changed / replaced / partially released of the loan balance of the loan amount refused by the client Conversion fee of loan resources granted from RISP, IFAD projects (included by Decision of President of the Bank from , in force beginning ) 3 Revolving Credit lines Analyzing the documents for offering the loan 300 lei Granting loan fee of the loan amount Administration fee (included by Decision of President of the Bank from , in force beginning ) annual, of the loan balance Reservation fee of the unused loan amount Prolongation fee of the prolongation loan amount Pre-payment fee of the pre-payed amount Fee for delaying payment of tranche / changing the date of loan payment per one request Commission for changing / substitution / partial release of collateral (modified by Decision of President of the Bank from , in force beginning ) ofthe collateral value changed / replaced / partially released Other changes to the contract (included by Decision of President of the Bank from , in force beginning ) of the loan balance Commission of refusal (included by Decision of President of the Bank from , in force beginning ) of the loan amount refused by the client 4 Treasury loans (Overdraft) Analyzing the documents for offering the loan 300 lei Granting loan fee of the loan amount Administration fee (included by Decision of President of the Bank from , in force beginning ) annual, of the loan balance Other changes to the contract (included by Decision of President of the Bank from , in force beginning ) of the loan balance 5 Issuance of MDL bank guarantees Issuing/Change value and/or validity of bank guarantee Guaranties secured by real estate / mobile goods Guaranties secured by money blocked on current/deposit account Guaranties secured by contra guarantee min.500 lei min.500 lei Negociable, min.150 EUR Standard fees and commissions - for legal entities Page 7 of 8

8 BANKING SERVICES Guarantee commission Guaranties secured by real estate / mobile goods Guaranties secured by money blocked on current account/ guarantee deposit without interest 0.25% of the amount min.50 lei Guaranties secured by contra guarantee 0.01% %of the amount min. 50 lei Other changes 250 lei Receipt and verification of the payment request and related documents 0,20% of the amount min. 200 lei, max lei Payment according to the payment request 0,20% of the amount, min. 25 lei, max. 200 lei Change value and/or validity of bank guarantee Guaranties secured by real estate / mobile goods Guaranties secured by money blocked on current/deposit account min.500 lei min.500 lei Guaranties secured by contra guarantee Negociable, min.75 EUR 6 Other operations regarding MDL bank guarantees Authentication and submission of payment claims to the execution of bank guarantees at the client's request 250 lei Text analysis of the bank guarantee received directly by the client 150 lei 7 Financial Leasing Analyzing the documents for offering the leasing (modified by Decision of President of the Bank from , in force beginning ) is charged in advance ly or part of the exception - guaranties secured partly by cash collateral - in this case will be aplied commission p is charged in advance ly or part of the Unique interest for leasing of the financed amount Prolongation fee of the prolongation leasing amount Pre-payment fee of the pre-payed amount Fee for changing the date of payment per one request Other changes to the contract of the leasing balance Assignment of leasing agreement of the leasing balance Fee for mediation (included by Decision of President of the Bank from , in force beginning ) * paid in MDL at NBM official exchange rate on the transaction day ** derogations to commission are performed according to the internal bank procedures VIII - SERVICE OF ACCEPTANCE BANK CARDS TO PAY 1 Transaction made through POS- terminal at merchant Commission for transaction made with: Mobiasbancă cards 1,5 % cards issues by other banks from Moldova 1,8 % cards issued by other banks from abroad 2,7 % - is charged for each Bank involvement in communication with competent bodies of police arising in case of utilization of leasing object against provisions of legislation on road traffic. - including VAT Variable commissions applied to the values of transaction Standard fees and commissions - for legal entities Page 8 of 8

9 Anexa nr. 1 la Tarifele pentru serviciile bancare prestate Persoanelor Juridice Informaţie privind orele limită pentru prezentarea la Bancă a ordinelor de plată în moneda naţională şi în valută străină, în vederea executării lor în aceeaşi zi Perioada Valuta Ora limită MDL* 17:00 RUB** 14:30 Luni Vineri EUR 15:30 USD 15:30 Alte valute (CFH, GBP, CAD, RON, ş.a.) 13:00 * prin sistemul de deservire bancară la distanţă Client Bancă : MDL - 16:45 ** în perioada noiembrie - martie - 13:30 Ordinele de plata prezentate după ora limita vor fi preluate de banca în vederea executării lor în următoarea zi lucrătoare. Data de executare a unei plăţi stabilită de client poate fi ulterioară datei emiterii ordinului de plată, dar nu va depăşi termenul de 10 zile lucrătoare.