Standard Fees, Commissions and Interest rates charged by Bancpost

Transcription

1 Standard Fees, Commissions and Interest rates charged by Bancpost Accounts and Operations BUSINESSES LARGE COMPANIES, GLOBAL CORPORATIONS AND MEDIUM ENTERPRISES This edition enters into force as of 28.March.2016 and cancels the previous edition 1/12

2 OPENING, MAINTENANCE AND INTEREST RATE FOR CURRENT/SAVING/SPECIAL ACCOUNTS ITEM Commission value - RON Commission value Foreign currency Accounts opening Current account opening 10 RON 10 RON 1 Accounts maintenance Activ current account maintenance 2 20 Ron / month / account 3 20 Ron / month / account 4 Inactiv current account maintenance 5 (without movement for minimum one calendaristic month) Max. 25 Ron / month / account 6 Max. 25 Ron / month / account 7 Dormant current account maintenance (without debit transactions for 6 consecutive months) Max. 25 Ron / month / account 6 Max. 25 Ron / month / account 7 Accounts closing Current account closing 5 RON/ account 5 RON/ account 1 Capital account closing 20 RON/ account - Interest rate for current account Interest paid on current account balance 0% 0% Special accounts Opening account for performance bank guarantee 150 RON/ account 8 Maintenance account for performance bank guarantee Closing account for performance bank guarantee Opening Escrow account 0,05 % 2%, minim 250 EUR 9 Maintenance Escrow account Closing Escrow account Opening of collateral accounts for administrators - Maintenance of collateral accounts for administrators - 1 Or the equivalent in the account currency, at NBR exchange rate; 2 In case of accounts derived from card accounts opened before , to which VISA Electron and MasterCard Standard debit cards are attached, the commission is 1,50 RON/month; the commission is charged regardless of the account available balance (it may cause unauthorized overdraft); 3 The commission is charged regardless of the account available balance (it may cause unauthorized overdraft); 4 Or the equivalent in the account currency, at NBR exchange rate; the commission is charged regardless of the account available balance (it may cause unauthorized overdraft); 5 In case of accounts derived from card accounts opened before , to which VISA Electron and MasterCard Standard debit cards are attached, the commission is max. 10 RON/month, within the account available balance; 6 Within the account available balance; 7 Or the equivalent in the account currency, at NBR exchange rate, within the account available balance; 8 Charged on opening account; 9 Or the equivalent in Ron, at NBR exchange rate; 2/12

3 Closing of collateral accounts for administrators - Account statements Issuing of account statement for the calendar month ended Issuing of account statement, at the counter, (maximum 12 calendaristic months prior to the request date) 2 RON/ account / month 2 RON/ account / month 10 Issuing of account statement, at the counter, for the other period than the maximum 12 calendaristic months prior to the request date 0,50 RON/page 0,50 RON/page 10 Issuing and sending of account statement, through post, in Romania 1 RON/ statement / account 0,30 EUR; 0,50 USD; 0,50 CHF; 0,50 CAD; 2,50 SEK; 0,50 GBP; 2 NOK; 0,50 JPY; 0,50 AUD; 2 DKK; 1 HUF/ statement / account Issuing and sending of account statement, through SWIFT 150 RON/ month 10 Commissions for issuing and sending of account statements for accounts derived from card accounts opened until , to which VISA Electron and MasterCard Standard debit cards are attached Issuing of account statement for the last ended calendaristic month - Issuing of account statements for months previous to the last ended calendaristic month, maximum 12 months - account with VISA Electron debit card - - account with MasterCard Standard debit card 0,50 RON/page Sending of account statement through post, in Romania 1 RON/ statement / account - Sending of account statement through post, by simple letter, outside Romania 5 RON/ statement / account - Modifying of authorized signatures (adding, withdrawal, total change etc.) 5 RON Or the equivalent in the account currency, at NBR exchange rate; 3/12

4 CASH OPERATIONS ITEM Commission value RON Commission value Foreign Cash deposit in banknotes (including from international postal money orders) currency Cash deposit in metallic coins 3% - Cash withdrawal in banknotes and/or metallic coins 11 0,60%, minim 10 RON 0,50%, minim 2 EUR 12 Exchanging of used or damaged banknotes for new banknotes (RON) 3% - Exchanging cash in small denominations for large denominations 3% - Exchanging cash in metallic coins for banknotes 5% - Commission for cash collection from customer premises upon request Handling, processing and mobilization by the Bank of cash availabilities in view of latter s transport, in sealed bags (from bank s territorial unit to the clients premise/premises) commission upon request Client non-presentation commission, at the Bank s counters, for withdrawal in view of handling, processing and mobilization by the Bank of Corporate Client s cash availabilities for latter s transport, in sealed bags (from bank s territorial unit to the clients 150 Ron premise/premises) Programmed and non-collected amount in view of handling, processing and mobilization by the Bank of Corporate Client s cash availabilities for latter s transport, in sealed bags (from bank s territorial unit to the clients premise/premises) 3% applied to the amount programmed NON-CASH OPERATIONS IN RON INTRABANKING (BANCPOST BANCPOST TRANSFERS) ITEM Commission value Incomings - through payment order - through Direct Debit 1 RON / operation Payments - through payment order 3 RON / operation - through Fastbanking - through Direct Debit 11 According to General Business Conditions, cash withdrawals made by customers, exceeding amounts in the national currency of more than RON 20,000 or in the foreign currency of more than EUR or the equivalent at the NBR exchange rate available for the day when the withdrawal is announced, shall be communicated by the customer in advance, at least two working days prior to the payment date, by filling in the form Request for high value cash withdrawal, available at the counter; 12 Or the equivalent in the account currency, at NBR exchange rate; 4/12

5 Standing Order - over the counter 6 RON/ operation 13 - through Fastbanking Utility payments (through Plati utile module/fastbanking) NON-CASH OPERATIONS IN RON - INTERBANKING (BANCPOST OTHER BANKS FROM ROMANIA OR ABROAD) (WITHOUT NBR/TRANSFOND COMMISSIONS) 14 DENUMIRE Valoare comision Incomings* - up to 499,99 RON 3,50 RON / operation ,99 RON 6,00 RON / operation - starting with RON 22,50 RON / operation * Incomings (for accounts derived from card accounts opened before , to which Maestro and VISA Electron debit cards are attached) - up to RON 1,10 RON / operation - starting with RON 15 RON / operation * Incomings (for accounts derived from card accounts opened before , to which MasterCard debit cards are attached) 2 RON / operation Incomings through Direct Debit 1 RON / operation Payments 13 Or the equivalent in EUR, USD; 14 NBR / TransFonD commissions are shown in the account statement together with Bancpost commission. The value of these commissions is established unilaterally by NBR/ TransFonD: Small value payment operations (< RON) (payed by the payer) 0,51 RON High value payment operations (>= RON) (payed by the payer) 6,00 RON Incoming operations (payed by the beneficiary) 0 RON Payment operations through interbanking Direct Debit (payed by the payer) 0 Incoming operations through interbanking Direct Debit (payed by the beneficiary) 0,51 RON Payment operations through debit instruments (cheque, promissory note, bill of exchange) electronically processed (payed by the payer) 0 Payment operations through debit instruments (cheque, promissory note, bill of exchange) - electronically processed (payed by the beneficiary) 0,88 RON Debit instruments refusal (cheque, promissory note, bill of exchange) (payed by the payer) 0,55 RON 5/12

6 Payments through payment orders - up to ,99 RON 9 RON / operation - starting with RON 17 RON / operation Urgent payments through payment orders 17 RON / operation Payments through payment orders for garnishments (without NBR/TransFonD commission) - up to ,99 RON 15 RON / operation - starting with RON 23 RON / operation Payments through Fastbanking - up to ,99 RON 4,50 RON / operation - starting with RON 12 RON / operation Urgent payments through Fastbanking 12 RON / operation Payments through Direct Debit - up to ,99 RON 3,50 RON/operation - starting with RON 10 RON/operation Standing Order through Fastbanking - up to ,99 RON 3,50 RON/operation - starting with RON 10 RON/operation - urgent 10 RON/operation Commission for Payments Incidences Register 15 RON/instrument Cheques, promissory notes, bills of exchange Cheques and promissory notes submitted for payment (debit instruments in new format) - up to ,99 RON 6 RON/operation - starting with RON 15 RON/ operation Cheques and promissory notes submitted for payment (manually processed debit instruments in old format) 20 RON/ operation Cheques and promissory notes sent to collection (debit instruments in new format) - up to 499,99 RON 3,50 RON/instrument ,99 RON 6 RON/instrument - starting with RON 22,50 RON/instrument Cheques and promissory notes sent to collection (manually processed debit instruments in old format) 30 RON/operation Selling of bills of exchange / promissory notes / cheques 0,50 RON/sheet Commission for intrabanking payments with debit instruments 5 RON Issuing of duplicates for non-cash payments documents, based on clients request 2 RON/page Treasury bills operations in RON: Participation on primary market (it is retained only if the bid is awarded) 0,10%, maxim 50 RON Transfer to other agent 0,10% of the transferred treasury bills value, min. 50 RON 6/12

7 NON-CASH OPERATIONS IN FOREIGN CURRENCY ITEM Commission value Incomings - in favour of Bancpost clients (commission paid by the beneficiary) - in favour of Bancpost clients (commission paid by the payer) 0,10%, min. 30 EUR, max. 200 EUR - ordered by and/or in favour of other banks clients, from Romania or abroad 0,20%, min. 20 EUR, max. 200 EUR - through Eurogiro, ordered by and/or in favour of other banks clients, from Romania or abroad 0,15%, min. 10 EUR, max. 200 EUR Investigations initiated by the customer or banks on the settlement flow - for instructions < 6 months 25 EUR - for instructions > 6 months 50 EUR Payments Intrabanking payments (paper based) 10 EUR Intrabanking payments through Fastbanking - between the same client s accounts, opened to Bancpost - between Bancpost clients Interbanking payments in favour of other banks clients, from Romania or abroad Bancpost commission Swift charges Correspondent banks commissions (in case of payments with OUR option) In case of payments with OUR option, depending on the payment currency, the correspondent banks commissions 15 are: 20 EUR for EUR payments, 20 USD for USD payments or equivalent of 20 EUR for the other currencies -within EUROBANK Group (Greece: Eurobank Ergasias AE): Payments with OUR option are supplementary charged with 5 EUR or 7 USD or: SEK=70; NOK=120; GBP=7; DKK=60; CHF=15; HUF=1.700; JPY=3.000 for payments <= and for payments over ; CAD=20; CZK: 0,15%, min. 500, max within EUROBANK Group (Bulgaria: Eurobank Bulgaria AD, Serbia: Eurobank AD Beograd, Cipru: Eurobank Cyprus Ltd., UK: Eurobank Private Bank Luxemburg SA, Luxemburg: Eurobank Private Bank Luxemburg SA, Ucraina: Public Joint-Stock Company Commercial Bank EUROBANK):Payments with OUR option are supplementary charged with 20 EUR for EUR payments, 20 USD for USD payments or equivalent of 20 EUR for the other currencies; for payments with OUR option in other currencies except EUR and USD, customer s account will also be debited with the fees charged by the banks on the settlement flow, if the case. Urgent payments based on client s request (same value date (T) or T+1) Urgent payments based on client s request (after cut of time) 0,25%, minim 25 EUR maxim EUR 10 EUR 20 EUR 35 EUR + payments commission in favour of other banks clients, from Romania or abroad Urgent payments commission + max. 100 EUR/ transaction (negotiable) 15 The Bank is entitled to choose correspondent banks with which they work. Fees of correspondent banks are subject to change without notice, with immediate effect; 7/12

8 Cancellation Modifying of orders issued by Bancpost clients (amount, beneficiary s account, beneficiary s name, order cancellation, etc.) and investigations Initiated by the customer or banks on the settlement flow Investigations Initiated by the customer or banks on the settlement flow /Amendments/Cancellations (in case of received and issued payment orders) Issuing of duplicates for non-cash payments documents, based on clients request Decoding commission Cheques Banking cheques (payments) Charges for cheque remittance 25 EUR 25 EUR/ operation + commissions and fees of the correspondent Banks on the settlement flow ( about 30 EUR/Bank) 90 RON/ transaction + commissions and fees of the correspondent Banks on the settlement flow( about 100 RON/ Bank) 2 EUR 5 EUR 0,75%, min. 7 EUR 15 EUR INCASSO, LETTERS OF CREDIT, LETTERS OF GUARANTEE AND CONDITIONING PAYMENT ORDERS 16, RECEIVED ISSUED ITEM Commission value Incasso Endorsement/Remittance for collection clean collection 0,2%, minim 20 EUR, maxim 200 EUR 17 Endorsement/ Remittance for collection documentary collection 0,2%, minim 30 EUR, maxim 500 EUR 17 Endorsement/ Remittance for acceptance - clean collection 0,2%, minim 25 EUR, maxim 500 EUR 17 Endorsement/ Remittance for acceptance - documentary collection 0,25%, minim 50 EUR, maxim EUR 17 Remittance of documents free of payments 25 EUR 17 Payment (within incasso) 0,2%, minim 25 EUR, maxim 500 EUR 17 Amendment 25 EUR 17 Documents returned not accepted/not paid 25 EUR 17 Protest 100 EUR 17 Fee for keeping in custody documents and bank drafts 100 EUR 17 Correspondence regarding instructions payment/collection/clarification 25 EUR 17 Release of goods sent on bank s address (supplementary to other charged commissions) 0,1%, minim 50 EUR 17 Letter of credits Import Pre-advising 25 EUR 17 Opening/value increasing/extend validity 0,2%, minim 75 EUR 17 per quarter or fraction of a 16 Not including NBR/TransFonD commissions; the value of these commissions is established unilaterally by NBR/TransFonD; 17 Or the equivalent in transaction currency, at NBR exchange rate available on the transaction date; 8/12

9 quarter Payment 0,2%, minim 100 EUR 17 Acceptance commitment/deffered payment 0,2%, minim 75 EUR 17 per quarter or fraction of a quarter Amendment 25 EUR 17 Discrepancies 75 EUR pe set documente Cancellation/unusage 30 EUR 17 Investigations/Correspondence 25 EUR 17 Letter of credits Export Pre-advising 25 EUR 19 Advising 0,1%, minim 50 EUR 19 Handling of documents 18 0,15%, minim 100 EUR, maxim EUR 19 Fee for complexity 0,05%, minim 50 EUR 19 Transfer of letter of credit 0,20%, minim 100 EUR 19 Amendment advising 25 EUR 19 Confirmation Negotiable, but not less than 0,25%, minim 100 EUR 19 per quarter or fraction of a quarter L/C s assignment 50 EUR 19 Cancellation/unusage 30 EUR 19 Reimbursement request 30 EUR 19 Investigations/Correspondence 25 EUR 19 Letters of guarantee Issuance/value increasing/extend validity (for letters of guarantee and aval) 0,30%, minim 25 EUR 19 per quarter or fraction of a quarter Payment 0,20%, minim 25 EUR 19 Advising 50 EUR 19 Payment requests sent for completion of letters of guarantee 75 EUR 19 Cancellation (exception: the commission is not charged in case the letters of guarantee are cancelled as of beneficiary s initiative) 25 EUR 19 Commission for checking the signatures 25 EUR 19 Other amendments 30 EUR 19 Conditioning payment orders Issuance 100 RON 19 + payment commission 20 Advising 100 RON In case of excessive conditions/documents, it is added 100 EUR to the above commission; 19 Or the equivalent in other currency, at NBR exchange rate; 20 For RON payments, it is applicable the commission for non-cash operations; 9/12

10 OTHER SERVICES ITEM Commission value Currencies, financial and banking information (exchange rates, interbanking market interest rates, records requested by the client) Sending documents: - through fax in Romania 7 RON+TVA/ page 21 - through fax outside Romania 10 RON+TVA/ page 21 - through PRIORIPOST 6,5 RON+TVA/ envelope 21 - through C.N.P.R. 2 RON+TVA/ simple letter 21 - through C.N.P.R. external postal service - through DHL According to the courier charges 22 Account balances confirmation for auditors, embassies etc. 60 EUR/ transaction +TVA Rental of safe boxes: - small box 30 RON / month+tva - medium box 40 RON / month+tva - big box 45 RON / month+tva - very big box 55 RON / month+tva Consulting of CIP BNR data base based on clients request expressed through the territorial units 10 RON / request+tva Consulting of CIP BNR data base for crossed cheque books issuing to the clients, in order to form the credit file or to complete the account opening file Fastbanking subscription 15 EUR/month 21 FastMobile subscription 4 RON/ month Fee for Token VIP Fastbanking activation 10 EUR 23 Guarantee for Token Challenge Fastbanking 30 USD 23 Fee for Fast Vama service 50 EUR/ month 24 Commission for signatures verification 66 RON or 20 EUR 21 Commission for issuing of reliability letter 90 RON/ letter 21 + TVA Issuing of account statements for banks and other financial institutions 2 EUR Or the equivalent in other currency, at NBR exchange rate; 22 In case of sending the account statements, it is added the commission for account statement issuing; 23 Or the equivalent in RON, at NBR exchange rate available for that day; 24 Or the equivalent in RON, at NBR exchange rate; 10/12

11 DEBIT CARDS (RON) Item MasterCard Standard 25 VISA Electron 25 VISA Business Fees for card issuing and maintenance Card issuing 3 RON 15 RON Card replacement (ex.: lost, stolen, damaged, destroyed, demagnetized) 3 RON 15 RON PIN code reissuing - 5 RON Card renewal as of validity period expiration Monthly card maintenance fee 15 RON/ month 26 Commissions for operations Cash withdrawal from Bancpost ATM s 0,75% 0,40%, minim 1 RON Cash withdrawal from other banks ATM s/pos s from Romania 0,50% + 2,50 RON 0,75% + 3 RON Cash withdrawal from other banks ATM s/pos s from outside Romania 1% + 7 RON, minim 12 RON - 1% + 10 RON Payments to merchants Payments to merchants in Romania - 0,50% Balance inquiry Balance inquiry at Bancpost ATM s 0,20 RON/operation 0,50 RON/ operation Mini-statement of account debit card at ATM Bancpost 1 RON/ statement Balance inquiry at other banks ATM s from Romania 1,50 RON/ operation Balance inquiry at other banks ATM s from outside Romania - 1,50 RON/ operation Utility payments at Bancpost ATM s PIN change at Bancpost ATM s 0,50 RON/ operation Other commissions Recovery of captured card by other banks from Romania 2,50 15 RON/card Recovery of captured card by other banks from outside Romania EUR/USD/card USD/card 28 Card blocking in MasterCard/VISA system - 60 USD/ month/region 28 Copy request from the merchant for solving a complaint 5 RON Unjustified chargeback 30 RON Cardholder inquiry service (international) - 7,50 USD As of , the Bank is not offering this product to its Legal Entities clients; 26 The commission is charged every 4th day of each calendaristic month, provided the card is valid; if the 4th day is a non-working day, the commission will be debited the following working day; 27 If the recovery of the card is made by the merchant, a fee of EUR/USD/card is added in case of MasterCard cards, respectively USD/card in case of VISA cards; 28 the equivalent in RON, at NBR exchange rate. 11/12

12 Personal data processing S.C. Bancpost SA processes the personal data of individuals under the provisions of the Law 677/2001, amended to date, for the protection of individuals regarding the processing of personal data and free movement of such data. S.C. Bancpost SA is registered as operator for personal data processing concerning: - Banking activities - in the Register of the National Supervisory Authority for Personal Data Processing no. 767, according to Law 677/2001, amended to date, referring to the protection of individuals regarding the processing of personal data and free circulation of data; - Marketing activities, advertising and publicity - in the Register of the National Supervisory Authority for Personal Data Processing no. 1826, according to Law 677/2001, amended to date, for the protection of individuals regarding the processing of personal data and free movement of such data. Under the requirements of the Law 677/2001, individuals have the right to be informed, the right of access to information, the right to update the data, the right not to be subject to individual decisions, the right to appeal to justice, the right to preclude processing of personal data concerning them and to request deletion of data, except in those cases provided by law when processing is required. To exercise these rights, the bank answers any requests, by application letter (dated, signed, containing personal identification information, including phone number and a legible copy of ID), filed at a network unit or sent to SC Bancpost SA, Boulevard Dimitrie Pompeiu no. 6A, Sector 2, Bucharest. 12/12