Personal customers Rates as of 1 st april General conditions for the main transactions for retail customers

Transcription

1 Personal customers Rates as of 1 st april 2014 General conditions for the main transactions for retail customers

2 The prices, rates and information in this leaflet cover the main services which are available on request. All prices include VAT and are correct as of the date on the front of this booklet. The price list and interest list may change from time to time. Any changes not included in the general terms and conditions of your current account agreement will be available in your HSBC branch or via direct banking channels.

3 Contents Standard tariff rates 5 Opening and managing your account 6 Direct banking 7 Payments 8 Packages Conventions 10 Operating incidents 11 Overdrafts and loans 12 Saving and Investments 14 Insurance and protection 16 International account 17 Services no longer on sale 18 Resolve a commercial dispute 19 3

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5 Standard tariff rates Please find below the tariff rates except for packages, discounts or specific offers. Service list Price in euros Access to your accounts online (Ma banque en ligne) Product offers or stock market information sent by text message (HSBC Alertes) International debit card with immediate debit (Visa Classic card) International debit card with deferred debit (Visa Classic card) Withdrawal card with automatic account-balance checking (Visa Electron card) Withdrawal in euros in another bank s ATMs in the Euro zone with an international debit card Price in euros 2.10 per month, allowing to receive 6 alerts a month per year 38 per year 47 per year 31 per year External occasional SEPA transfer in the Euro zone in branch, by transfer 4 Internet Charge of direct debit authorization set up of direct debit authorisation per debit Handling charges 8 per transaction, with a limit per month of 80 Fees charged by your bank to manage your account (Account management fee) Banking loss or theft insurance (HSBC Volassur) 24 per year 24 per year 5

6 Opening and management of your account Opening, processing, closing Opening / closing of current account... HSBC Easy, quick and simple account transfer service... Account transfer to another French HSBC Branch... List of transactions operated by the bank... Account statement Monthly statement or e-statement (1)... Biweekly... per month 3 Daily... per month 28 Account fee Account fee... per quarter 6 Services in branches Charge for sending card or cheque book (excluding postage costs) Cash withdrawals from account holding branch without issuing cheque... Cash withdrawals by cheque at all French HSBC branches (up to 450 per rolling seven-dayperiod)... Charge for searching documents (2)... from 10 to 25 Inheritance Inheritance application charge % of assets min. 150 max. 750 Annual management charge + recovery of costs (correspondence, postage) Safe Annualy charge - Up to 20 dm From 21 to 100 dm From 101 to 300 dm Over 301 dm Non-standard... please contact us Security deposit - Up to 100 dm Over 101 dm

7 Direct Banking Access and management of your account online or over the phone (1) Online banking on (3)... HSBC Mobile : on iphone & Android App stores (3)... Telephone banking: HSBC Customer Relationship Centre at (3)... Alert services: HSBC Alertes (banking or stock market information sent by or text) Monthly charge for 6 SMS or s... per month 2.10 Monthly charge for 25 SMS or s... per month 5.10 Beyond subscription (4)... per SMS 0.40 per

8 Payments Bank cards 50 % discount for additional card on the same account where the card is of identical or lower category Annualy charge Visa Infinite Card Visa Premier Card Gold MasterCard Visa Classic card - Deferred debit Immediate debit Visa Electron Card Visa Plus card (withdrawal card) Moneo integrated into debit card... Other transactions Issuing of new card Change of visual... per year 9 Re-issuing PIN code... 9 Cancellation of cards... Transactions in the euro zone Cash withdrawals - From HSBC ATMs (5)(6)... - From another bank s ATMs... - At any counter of Visa or MasterCard network branches... per withdrawal 5 Payments... Transactions outside of the euro zone Cash withdrawals - From HSBC ATMs (5)(6)... - From another bank s ATMs... per withdrawal % - At any counter of Visa or MasterCard network branches... per withdrawal % Payments outside of the euro zone % (7) (7) (7) 8

9 Transfers SEPA transfers Transfer in euros to / from a EEA country (28 Member States + Iceland, Liechtenstein, Norway), Switzerland and Monaco. Only option available: Share One-time transfer - On HSBC secured Internet/Mobile Banking (8) (Internet or Mobile)... - External transfer ordered through your branch... per transfer 4 Recurring transfers - External transfer ordered online... - External transfer ordered through your branch... per transfer 1.10 International transfers Transfers within EEA countries in all currency denominations (except euros) without any restriction on the amount to an EEA country. Only option available: Share. Any other transfer, irrespective of the amount and currency. Options available: Share, Ben, Our Receiving an international transfer Sending an international transfer on Internet - On My Global Transfer (8)(10)... per transfer 5 - On HSBC secured Internet Banking (8) (Internet or mobile) Sending an international transfer through your branch % of the transaction min. 25 (9) (9) (9) (9)(10) Other fees Foreign exchange... Correspondent fees Not provided or incorrect informations... additional charge 15 Direct debit authorisation Automatic transfer set up... Cancellation of direct debit authorisation... Payment of interbank title of payment ( TIP)... Cheques (11) Cheque-book... Bank cheque issue charge Charge for cheque(s) to be stopped by issuer Cheque returned unpaid (except rubber cheque)

10 Packages - Conventions HSBC Hexagone The package to make day to day banking easier: Debit card Visa Classic, Visa Premier, Gold MasterCard or Visa Infinite cards Services Included No account monthly fees No SEPA transfer charges Free cash withdrawals in France and EEA countries from all ATM s Free issuing of new card Free order of new PIN code No charge for sending card or cheque book (excluding postage costs) No charge for stopping cheques Overdraft facility: up to 3,000 / month (12) Exemption from bank charges: up to 12/quarter Insurance against loss / theft of cards or cheques: HSBC Volassur (13) Remote banking services HSBC Alertes - 25 alerts/month (SMS ou ) Monthly charge: Individual Joint Visa Classic card Visa Premier / Gold MasterCard cards Visa Infinite card These special conditions are reserved only for students up to 28 years of age : - HSBC Hexagone : enjoy a 50 % discount on your monthly Visa Classic card charge - HSBC Passeport :, on demand. Supplementary advantages are reserved for students from our partner schools : please contact your local branch for further information. HSBC Passeport International services 25 % discount on support services for account opening abroad within the HSBC Group and provision of bank card and chequebook (14) International transfer online on Free international transfers (15) Free cash withdrawals from any HSBC ATMs (5)(6) Opening of interest bearing account in foreign currency Legal assistance abroad (16) Access to internet website dedicated to expatriates Monthly charge HSBC Passeport bought separately HSBC Passeport in addition to HSBC Hexagone Alternative Banking Tools (17) (ABT) Debit card... Visa Electron card Services Included... Free Domestic payment transactions & direct debit Free HSBC Alertes services 6 alerts/month (SMS or ) Free account monthly fees Free handling charges 10

11 Operating incidents Handling charges Following an incident on your account requiring specific handling Fees charged by the bank due to an irregular operation on your account (insufficient funds, incorrect account details, unauthorised payment...) Per transaction, (up to 10 transactions per month)... 8 Specific transactions Report to Banque de France - Due to card cancellation following payment incidents Due to issued cheque during restricted Management of banking restriction from another bank Fiscal seizure charge Garnishment charge Administrative seizure... max. 100 up to 10 % of amount blocked Payment incidents Letter informing customers about unauthorised overdraft Cheques incidents Cost of information letter prior to cheque being rejected due to insufficient fund (18) - Cheque Cheque > Cost of information letter prior to cheque being rejected due to insufficient funds (19) Cards incidents Charge for blocking card by bank for improper use Direct debit (regular automatic bank payment) incidents Charge per unpaid direct debit (18)... amount of debit, max

12 Overdrafts (20) and loans Overdraft facility and/or overdrafts (20) Authorised overdraft The Effective Annual Rate is indicated on the preliminary offer or statement. Annual nominal rate (21)(22)... BR (23) to 8 % Application fee... per offer 25 Overdraft facility provided under a HSBC package convention (12) Annual nominal rate... BR + 7 to 9.50 % Unauthorised overdraft Annual nominal rate (21)... BR % Other fees Charge on highest overdraft (21)... per month 0.05 % Minimum flat-rate charge (for overdrafts < 400 euros based on daily average between two cut-offs) (24)... per month 5 or per quarter 15 Consumer loans Personal (22)(25) and student loans The effective annual rate is indicated on the preliminary loan offer or conventional loan statement. Interest rates are set based on market conditions. Arrangement fees for personal loans 75, % min. 55 max. 120 Arrangement fees for personal loans > 75, max. 300 Student loan arrangement fees Change in payment schedule requested by the customer Notice of default Annual information letter on guarantees... per guarantee commitment 20 12

13 Loans Mortgages The effective rate is indicated on the preliminary mortgage offer. Interest rates are set based on market conditions. Application charge based on borrowed funds (26)... 1 % min. 300 max. 1,000 Additional fees if funds released in several instalments (26) Issue of guarantees Tax, rent, etc Charge for drawing up a deed... from 45 to 110 Addendum Annual risk fee (calculated based on amount of guarantee and received quarterly in advance)... from 1.20 to 2 % min. 30 Mortgage fees Reminder letter in the event of unpaid mortgage instalments. 80 Issuing an amendment to loan agreement or amended offer... 1 % of outstanding capital min. 500 max. 1,000 Statement of repayment schedule Flexible repayment request Re-issuing repayment schedule Mortgage guarantee release certificate Annual information letter on guarantees... per guarantee commitment 20 Buying a home in France offer Support for our English-speaking customers property projects in France and quotation available in English... 1 % max. 2,000 13

14 Savings and investments Savings Services Charge for transferring a PEL or CEL savings account to another institution Elysées Patrimoine Statements (27) Document summarising assets and loans held Personal (28) or family (29) statement - Monthly Quarterly Half-yearly Annually Investments Stock market orders The prices below exclude the French Financial Transaction Tax, due at the current rate of 0.2 % (30) Order placed in branch - Up to 1, per order 15 - Over 1, % of amount of the order Deferred settlement service (32)... optional - Charge prorated (calculated on carrying day) % - Extension % min. 10 Unlimited access to Euronext (31) with real-time streaming... per month 2 Other euro zone markets (33) Excluding France, Belgium, Netherlands. For other markets, please contact us. Orders placed in branch or via the Customer Relationship Centre s Securities Desk (excluding foreign brokerage fees) % min. 85 (34) Euronext market (31) Order placed online or through the customer relationship centre. 2 formulas based on the order amount: Orders up to 2,350 Orders over 2,350 HSBC Invest Package HSBC Invest Expert Package Order up to 1, per order Order up to 6, per order Order over 1, % of amount of order Order over 6, % of amount of order 14

15 Custodian fees Custodian fees are received on a half-yearly basis and calculated in view of the securities held in the portfolio at 30 th June and 31 st December each year. Custodian fees on HSBC Group UCITS... Custodian fees on other values, depending on the number of executed orders on the Euronext (31) Market during the semester: Amount of portfolio based on total value of billable lines only Up to 15 orders Proportional charge per level Up to 100, % Over 100, % Set charge per line Minimum Charge 2.5 (35) 15 More than 15 orders Securities transactions... per transaction Other securities transactions Share-based savings scheme management charge (excluding custodian fees)... Payment of coupons: - Euronext securities (31)... - Foreign securities, Euroclear deposit ISIN (31)... - Foreign securities, foreign deposit ISIN... 3 % Charge for external UCITS... per transaction 30 Transfer of securities to another institution - Deposit: France, Belgium, Netherlands... per line 5 min Deposit: foreign... per line 50 Transfer of share-based savings scheme to another institution (37) Securities unquoted actions in share-based savings scheme (36) HSBC s third party provider receives a commission for the sale of the HSBC France UCITS range (refund on management fee valued on net asset) Equities : 0.60 % to 1.48 % Bonds or other debt securities: 0.33 % to 0.94 % Diversified : 0.55 % to 1.40 % Money market : 0.05 % to 0.50 % In accordance with Article of the AMF s general regulations, HSBC France may be contacted should investors require any further information. These rates are likely to change in view of changes in the markets and UCITS. Portfolio statement (27) Annual statement... Monthly, quarterly or half-yearly statement French wealth tax statement Statement on request

16 Insurance and protection (38) Personal protection HSBC Capital Prévoyance (39) Death insurance all causes... please contact us Protection of your belongings HSBC Volassur (13) Insurance against loss / theft of banking tools HSBC Garantie Habitation (40) Home Insurance... please contact us 16

17 International account Foreign exchange A foreign currency commission, calculated per level, applies for any transaction requiring the buying or selling of currencies (excluding transfers). Cheques (43) Collection charge % of the transaction min. 16 max. 100 Foreign exchange commission (cash or forward) - Up to 75, % - 75,001 à 150, % - Over 150, % min Manual exchange Issuing and buying back bank notes... per transaction 5.40 Payment charge % of the transaction min. 35 Postage costs (44) Transfer charge... per swift 5 Cheque returned unpaid Bank cheque issue - Processing charge Transfer charge... per swift 18 Operations from HSBC HSBC emergency encashment Assistance service abroad for an HSBC France customer (41) Assistance service in France for a foreign customer flat-rate... varying depending on the country Account opening Support for setting up a bank account overseas and provision of banking tools (42)

18 Services no longer on sale Packages - Conventions Monthly charge Convention HSBC Patrimoine individual / joint Visa Infinite card / Visa Premier / GoldMasterCard cards / Convention HSBC Dynamique individual / joint Visa Premier / GoldMasterCard cards / Visa Classic card / Convention HSBC Avenir Quarterly charge Passeport Avenir Convention Elysées 2 individual / joint / Convention HSBC Premier 2 individual / joint / 41 Half-yearly charge Convention Première Avenue Annualy charge Convention Elysées Convention HSBC Premier Bank card Separate Moneo card Consumer loans Libertel credit option on debit card Annual Visa Libertel bank card charge... Annual nominal rate (excluding optional insurance)... BR to 6.50 % Annual management charge (45) Protection Health insurance... please contact us HSBC Famille Prévoyance (14) Accidental death insurance associated with current account and savings accounts HSBC Garantie des Accidents de la Vie (GAV) insurance (13) - Individual or Family or 236 Other services Elysées Rémunération (automatic savings service)... per year 10 Annual management charge, Plan Elysées Bourse Home CCTV surveillance, Elysées Surveillance monthly charge for apartment / house... per month / 37 (46) (46) 18

19 Resolve a commercial dispute The quality of HSBC service: always available to you HSBC is very committed to the quality of service. To help us to continually improve our service, do not hesitate to contact your Relationship Manager. Your Relationship Manager is the cornerstone of your relationship with HSBC. Alternatively, you can contact our Customer Relationship Quality Department, which can answer your questions. Direction Relations Clients 103, avenue des Champs-Elysées Paris Cedex 08 ) (47) section Contactez HSBC, choose Réclamation in Motif du contact. In last resort, you can contact the mediator of HSBC, whose address and phone number appear on your bank statement. He will intervene to facilitate the resolution of the dispute and find the most adequate solution. 19

20 We would like to remind you that in accordance with current French regulations, individuals who are French tax residents, are required to declare, on their personal income tax return, the accounts opened, used or closed abroad as well as all accrued income. Furthermore, upon receipt of securities income through these accounts, individuals must pay social security contributions and, if necessary, an advance income tax payment. Additionally, French tax resident individuals are required to declare, on their income tax return, life insurance contracts purchased with insurance institutions established outside France and, if applicable, all accrued income. Moreover, in certain circumstances, upon receipt of this income, these individuals must pay social security contributions. In the event of failure to comply with these obligations, concerned persons may be subject to payment of back taxes and tax penalties. For further information regarding these tax obligations, we recommend you contact your usual advisors. (1) Excluding internet connection cost, according to operator. (2) For significant levels of research, possible quote on request. (3) Excluding internet connection cost. Telephone Banking : variable cost, depending on phone operator HSBC Customer Relationship Centre. Opening hours: Monday to Friday - 8AM to 10PM and Saturday - 9AM to 5.30PM. HSBC Mobile : internet compatible mobile. Excluding internet connection cost and GSM subscription, according to operator. (4) Charged as of receipt of the first SMS/ , whatever the media selected. (5) Only MasterCard are accepted by HSBC ATMs located in Canada. (6) In some countries, additional charges may be applied by local banks. (7) Of gross transaction amount. (8) Excluding internet connection cost, according to operator. (9) Additional charges may be applied by French or foreign correspondents, or as required by a specific service. (10) Only for My Global Transfer. Specific conditions for HSBC Advance Customers. Special conditions are available for HSBC Premier Customers. (11) Cheque remitted: value date D + 1 working day for cheque remitted before midday. D+2 working day for cheque remitted after midday (12) Subject to your application being accepted. Overdraft facility which may be used for up to 15 calendar days per month, consecutive or not. Example for a overdraft of 3,000 per day for 15 days: total cost of (including the highest overdraft fee calculated at a rate of 0,05 %) with an interest rate equal to the HSBC base rate + 7 %, i.e. a rate of 14,40 % 1 st april APR: 17,13 %, giving an APR for a oneday unit period of 0,0433 %. (13) Collective insurance policy provided by HSBC France, acting as an intermediary for AIG Europe Limited. (14) A package at 105 in case of 140. Subject to your application being accepted by your HSBC branch and in accordance with local regulations. Only for students up to 28 years old : 70 VAT included the first year & 1 VAT included for the next years if HSBC Hexagone or HSBC Avenir are subscribed. (15) Excluding correspondent fees and under the conditions indicated in the contract. Not available for Global Transfers online. (16) Subject to contract terms and conditions: carried out by Mondial Assistance France. (17) Subscription according to specific conditions, under conditions accepted by your HSBC branch. (18) The amount includes all charges (commissions,...). (19) Charge not collected if refused. (20) Depending on the nature of the overdraft, the APR is indicated on the preliminary proposition, contract or statement. The 360 day method, used to calculate interest, affect the interest amount. Example, for an overdraft of 100 for a duration of 31 days, the interest has been calculated at the rate of 16 %, equals If the 365 day method applied, the cost would have been (21) Charges and fees are included in the annual percentage rate (APR). (22) The rate varies depending on the amount of the loan, its term, guarantees, etc. 20

21 (23) BR: HSBC base rate 7,40 % at 1 st April The base rate is the rate set by each bank depending on the nature of the loan granted and in view of various capital market rates. This rate serves as a basis for calculating the agreement rate for loans. (24) Excluding APR. Charge for authorised and unauthorised overdraft. (25) The information contained in this section does not constitute a loan offer. (26) Except for Prêts d Epargne Logement home savings loans. (27) These rates are to be understood per statement (28) Individual subscription. (29) Subscription for couples. (30) A French Financial Transaction Tax, named «Taxe sur les Acquisition de Titres» is due on the amount of share acquisitions at the rate of 0,2 %. This tax is applied on all transactions related to listed shares of companies established in France with a market capitalisation over 1Bn on the 1 st of december of the year before taxation. The list of concerned companies is published on Ma banque en Ligne. This tax will be charged to you for the aforementioned operations whether they have directly been realised by yourself or realised within an activity of a portfolio management mandate HSBC Actions France or Actions Europe. (31) France, Belgium, Netherlands. (32) Only available for securities eligible for the deferred settlement and published by Euronext Paris. These rates are applied in addition to usual brokerage fees and may be changed at any time. (33) Excluding France, Belgium, Netherlands. For other markets, please contact us. (34) And any local taxes. (35) ISIN securities, listed on the Euronext market (31). For other securities, set charge: 5 per line. (36) In addition to subscription charges relating to the UCITS. (37) In addition to any charges per line. (38) Annual tariffs available on 1 st April 2014, subject to change. (39) Insurance policy for death or total and irreversible loss of independence provided by HSBC France, acting as an intermediary for HSBC Assurances Vie (France), a company regulated by the Insurance Code. (40) Collective insurance policy provided by HSBC France, acting as an intermediary for Allianz IARD (France) and Protexia (France), companies regulated by the Insurance Code. Up to the limits set out in the policy. (41) Subject to your application being accepted. Assistance service abroad up to 500 USD or the local currency equivalent per day. (42) Subject to your application being accepted by your HSBC branch and in accordance with local regulations. (43) Foreign cheques may be subject to additional charges (correspondent fees, foreign exchanges). (44) For cheques paid if account presents a credit. If you receive a immediate credit on your account, enjoy exemption from the postage costs (45) Exemption from management charges if customers take out the Visa Libertel bank card. (46) Depending on the formula chosen (from 10 or 30 % partial permanent disability). (47) Article L113-5 consumer code (The phone number intended to collect the consumer call to obtain the good execution of a contract concluded with a professional or the treatment of a complaint cannot be surcharged). 21

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24 How to subscribe or find out more? Contact your Relationship Manager Call HSBC Customer Relationship Centre * * Variable cost depending on operator. Log on to Published by HSBC France 02/2014 HSBC France A public limited company (Société Anonyme) with a capital of 337,189,135 euros SIREN number Paris trade and company register Head office: 103, avenue des Champs-Elysées Paris A bank regulated by the Autorité de Contrôle Prudentiel and insurance intermediary registered with ORIAS (French organisation for the registry of insurance intermediaries - under No HSBC Assurances Vie (France) A public limited company (Société Anonyme) with a capital of 115,000,000 euros SIREN number Paris trade and company register Address: Paris Cedex 08 Head Office: 15, rue Vernet Paris Company governed by the French insurance code Crédit photo : Photononstop