Fees and Charges 華 僑 永 亨 銀 行 股 份 有 限 公 司 OCBC Wing Hang Bank Limited
Table of Contents 1. Deposit Service 1.1 Current Account 4 1.2 Savings / Statement Savings Account 4 1.3 Deposit Cheque 4 1.4 Deposit / Exchange MOP Banknotes / Coins 5 1.5 Deposit / Exchange HKD Banknotes / Coins 5 1.6 Deposit / Exchange RMB Banknotes 5 1.7 Deposit USD Banknotes 5 1.8 General Service 6 1.9 Safe Deposit Box 6 2. Card Service 2.1 Credit Card 7 2.2 MOP VISA Debit Card 8 2.3 Jet Cash Card 8 2.4 ATM Card / China UnionPay Debit Card 9 3. Loans Service 3.1 Mortgage Loan Service 10 3.2 Personal Loan Service 11 4. Insurance Service 12 5. Remittance Service 5.1 Outward Remittance 13 5.2 Inward Remittance 13 5.3 Hong Kong and Macau Instant Remittance Service 14 2
6. Scale of Commission and Charges Trade Services 6.1 Import 15 6.2 Export 15 7. Securities Services 7.1 Trade related services 16 7.2 Internet Stock Quote Service 16 7.3 Account maintenance 16 7.4 Nominee services and corporate actions 17 7.5 IPO Subscription 18 7.6 Scrip handling and settlement related services 18 7.7 Stock transfer services 19 7.8 Trade-related services (Shanghai-Hong Kong Stock Connect) 19 3
1. Deposit Service 1.1 Current Account Cheque book Stop payment of cheque Returned cheque (Insufficient fund) Returned cheque (Other reasons) Dormant account - Account that has been dormant for more than 3 years and with balance below HKD / MOP 2,000 $1.6 per cheque $200 per cheque $200 per cheque $100 per cheque $100 per half year (Fee waiver is allowed for customers aged 65 or above) 1.2 Savings / Statement Savings Account Account closed within 3 months from date of account opening Dormant account - HKD / MOP / Foreign currency account (Including RMB account) that has been dormant for more than 3 years and with balance below HKD / MOP 2,000 or equivalent Re-issue of passbook $200 per account $100 or HKD equivalent per half year (Fee waiver is allowed for customers aged 65 or above) $100 per passbook 1.3 Deposit Cheque General Customer Elite Customer Foreign currency cheque deposit - Payable in Macau / Hong Kong $150 per cheque $50 per cheque - Payable in other countries USD $150 per cheque $100 per cheque AUD $600 per cheque $600 per cheque Other foreign currency $350 per cheque $200 per cheque - Returned cheque $150 per cheque $150 per cheque HKD / USD cheque deposit - Payable in Hong Kong - Returned cheque Returned local cheque deposit $20 per cheque (Not included received bank charge fee) $150 per cheque $50 per cheque $5 per cheque $100 per cheque $20 per cheque 4
1.4 Deposit / Exchange MOP Banknotes / Coins $100 or below banknotes - Over 300 pieces MOP Coins - Over $100 (Under $100 would be counted as $100) 0.2% of deposit / exchange amount (Minimum $20) $5 per hundred of amount 1.5 Deposit / Exchange HKD Banknotes / Coins $1,000 banknotes Free of charge Other banknotes (Under $10,000 would be counted as $10,000) - General Customer $30,000 or below Free of charge Over $30,000 $18 per $10,000 exceed - Elite Customer $50,000 or below Free of charge Over $50,000 $18 per $10,000 exceed $100 or below banknotes 0.5% of deposit / exchange amount - Over 50 pieces (Minimum $25) HKD Coins $10 per hundred (Under $100 would be counted as $100) 1.6 Deposit / Exchange RMB Banknotes Cash - $20,000 or below - Over $20,000 (Under $1,000 would be counted as $1,000) $50 or below banknotes - Over 300 pieces Free of charge $2 per $1,000 exceed 0.15% of deposit / exchange amount (Minimum $15) 1.7 Deposit USD Banknotes Cash 0.25% of deposit amount (Minimum HKD20) Small change banknotes HKD 5 per hundred (Minimum HKD 5) 5
1.8 General Service Cashier order General Customer Elite Customer - Issuance $60 per cashier order $20 per cashier order - Cancellation $60 per cashier order $20 per cashier order - Report loss $300 per cashier order $200 per cashier order Counter Cheque $50 per cheque Gift cheque issuance Request for statement copy Request for Banker s reference letter Banker s endorsement on account balance confirmation Auto payment charge for public utilities Coins exchange Handling charge for Inheritance $20 per gift cheque (Main Branch and Flower City Branch only) $50 per month $250 per letter $300 per letter $1 per transaction $18 per bag $400 Handling charge for payroll account $2 per transaction (Minimum $200) 1.9 Safe Deposit Box Re-issue key Break open of box $200 per key $800 per box 6
2. Card Service 2.1 Credit Card Annual Fee - Principal card:platinum $1,000 - Principal card:titanium $480 - Principal card:classic $220 - Supplementary card:platinum $500 - Supplementary card:titanium $240 - Supplementary card:classic $110 Replacement for Priority Pass membership card Late payment charge Cash advance handling fee Over Limit Handling fee Financial charge (Interest rate) Overseas transaction / conversion fee (Not applicable to China Unionpay credit card) Returned cheque / rejected autopay Termination Recurring Transaction Handling Fee Lost card replacement Issuance of cashier order Sales draft retrieval fee Statement copy retrieval fee $100 per card $110 per time 4% on cash advance amount per transaction or minimum $80 (If the cash withdrawal through JETCO network outside Macau, an additional fee HKD 20 or equivalent will be charged) $100 per time 29.25% per annum For transaction effected in non-card currency or made outside Macau, a 1% Visa / MasterCard Cross Border Fee and a 0.75% Overseas Transaction / Conversion Fee levied by the Bank shall be debited to the card account. $100 per item $50 per time $100 per card $50 per cashier order $50 per copy $50 per copy 7
2.2 MOP VISA Debit Card Annual fee Lost card replacement Overseas transaction / conversion fee Additional fee for cash withdrawal via JETCO network outside Macau Cash withdrawal via VISA PLUS network Handling fee for Insufficient fund Sales draft retrieval fee $80 $80 per card For transaction effected in non-card currency or made outside Macau, a 1% Visa Cross Border Fee and a 0.75% Overseas Transaction / Conversion Fee levied by the Bank shall be debited to the card account. HKD 20 or equivalent per transaction HKD 30 or equivalent per transaction $50 per time $50 per copy 2.3 Jet Cash Card Annual fee $100 Late payment charge Cash advance handling fee $110 per time 3% on cash advance amount per transaction or minimum $80 (If the cash withdrawal through JETCO network outside Macau, an additional fee HKD 20 or equivalent will be charged) Over Limit Handling fee Financial charge (Interest rate) Returned cheque / rejected autopay Lost card replacement Issuance of cashier order Cash advance draft retrieval fee Statement copy retrieval fee $100 per time 18% per annum $100 per item $100 per card $50 per cashier order $50 per copy $50 per copy 8
2.4 ATM Card / China UnionPay Debit Card Annual fee $80 Card replacement Additional fee for cash withdrawal via JETCO network outside Macau $80 per card HKD 20 or equivalent per transaction Cash withdrawal via VISA PLUS network Sales draft retrieval fee (For China UnionPay Debit card only) Cash withdrawal via China UnionPay network (For China UnionPay Debit card only) HKD 30 or equivalent per transaction $50 per copy $25 per transaction Interbank Transfer via JETCO network HKD 5 per transaction 9
3. Loans Service 3.1 Mortgage Loan Service Re-finance loan handling fee 0.5% of loan amount (Minimum $1,000) Early repayment Within 1 st year 3% on loan amount Within 2 nd year 2% on loan amount Within 3 rd year 1% on loan amount Partial Prepayment According to the terms and conditions of loan contract Cancellation of Loan application $1,000 Late payment charge $50 for each past due installment unpaid for more than 3 business days $150 for each past due installment unpaid for more than 30 calendar days Bank mortgage confirmation Re-issue of payment advice / Photo copies of repayment history Switching of repayment method between monthly and bi-weekly Change of: - Repayment tenor - Repayment amount - Repayment plan - Due date Change of interest rate Field assignment fee for collecting cheques $200 per letter $20 per copy $1,000 per request $500 per request $500 per request $500 per request $500 per request $1,000 per request $1,000 per case 10
3.2 Personal Loan Service Car park loan (Without deed) - Early repayment Taxi loan 0.5% on the initial loan amount (Minimum $300) Within 1 st year 3% on initial loan amount Within 2 nd year 2% on initial loan amount Within 3 rd year 1% on initial loan amount Afterward Free of charge - Application handling fee $500 - Early repayment:full / partial Within 1 st year 3% on initial loan amount Within 2 nd year 2% on initial loan amount Within 3 rd year 1% on initial loan amount Afterward Free of charge Other loan service - Car loan / home owner decoration loan/ wedding loan / education loan / speedy personal loan Free of application handling fee (Early repayment charges according to the terms and conditions of loan contract) Late payment charge $50 for each past due installment unpaid for more than 1 business days $150 for each past due installment unpaid for more than 30 calendar days 11
4. Insurance Service Late payment for insurance premium (Reject Auto-direct debit for consecutive 6 times) $100 (One time charge) 12
5. Remittance Service 5.1 Outward Remittance Telegraphic Transfer Handling fee Cable charges Demand Draft MOP Remittance $100 (Only applies to remit to --- Macau) HKD Remittance General customer 0.1% (Minimum $50) $50 Handling fee 0.08% (Minimum $50) Elite customer 0.08% (Minimum $50) $50 (Only applies to remit to Hong Kong) RMB Remittance $150 --- FCY Remittance With exchange --- $150 Without exchange $50 $150 Information amendment, stop payment, refund remittance, cancellation remittance Handling charge $50 (Cable charge will be added if needed) Handling fee $150 Mail remittance receipt Handling charge $20 Remark: The above charges do not include any correspondent bank charges. 5.2 Inward Remittance Settlement method Currency Charge Credit to customer s own account with our bank Transfer payment to other local bank account Information amendment, refund remittance, cancellation remittance - Hong Kong or Macau - Overseas - HKD/ MOP/ RMB Free of charge - Foreign currency - with exchange Free of charge - without Handling fee $140 exchange - HKD / MOP Handling fee $100 - Foreign currency - with exchange Handling fee $100 $50 $150 - without exchange Remark: The above charges do not include any correspondent bank charges. Handling fee 0.25% (Minimum $100 and cable charge $150) 13
5.3 Hong Kong and Macau Instant Remittance Service Internet service $80 per transaction Over the Counter - General customer 0.08% on transaction amount (Minimum $40) - Elite customer or corporate customer 0.07% on transaction amount (Minimum $40) 14
6. Scale of Commission and Charges Trade Services 6.1 Import Opening LC (For each 6 months) LC Amendment - Increase amount / Extend validity (Base on the increase amount) - Others (Flat charge for each amendment) 1 st USD 50,000 Balance Minimum 0.25% 0.125% $250 0.25% 0.125% $250 --- --- $250 Comm. in lieu of Exchange (ILE) 0.25% 0.125% $250 Invoice Financing - Handling Commission - Repayment in same Foreign Currency 0.125% 0.25% 0.125% 0.125% $250 $250 Inward Bill Collection (DP / DA) 0.125% 0.125% $250 6.2 Export OB (LC / DP / DA) Purchased - HKD / MOP Bill - Foreign Currency Bill to HKD - Foreign Currency Bill in same Currency 0.25% --- 0.25% 1 st USD 50,000 Balance Minimum 0.125% --- 0.125% $250 --- $250 Document Checking Fee --- --- $250 Outward Bill Collection 0.125% 0.125% $250 Comm. In lieu of Exchange (ILE) 0.25% 0.125% $250 LC / Amendment Advising - Bills Customer - Postage (To be advised thru' other local bank) --- --- --- --- $250 $250 15
7. Securities Services 7.1 Trade related services General Customer Elite Customer Minimum Charge Brokerage Fee - Telematic Service - e-trading Service On transaction amount 0.23% 0.23% - Customer Service 0.25% on transaction amount On transaction amount 0.18% 0.18% 0.22% on transaction amount $85.00 $85.00 $ 125.00 Stamp duty 0.1% for every HKD 1,000 of transaction amount() (Or part thereof, any fraction of HKD 1 in stamp duty payable shall be rounded upward to the nearest HKD 1) Trading Fee 0.005% on transaction amount() Transaction levy 0.0027% on transaction amount() Stamp duty on transfer deed HKD 5 for each transfer deed (For selling new issue share) 7.2 Internet Stock Quote Service Internet stock quote service (Upgraded Plan) 300 times FREE real time stock quotes per month, subsequent enquiry will be charged at HKD 0.1 per quote (1,000 times FREE real time stock quotes per month for Elite customer) $20.00 7.3 Account maintenance Safe custody charge Dual Tranche, Dual Counter / Inter-counter Transfer HKD 0.15 per board lot or odd lot (Collected half - yearly on portfolios as at 1 Jun and 1 December and debited from account on the next business day) Maximum : HKD 2,500 HKD 70 per event $60.00 per half year 16
7.4 Nominee services and corporate actions Scrip fee for shares in CCASS on Book - Close Date HKD 1.5 per board lot or odd lot (Collected on the net increased quantity of each share compared with the balance of the previous book-close date) Collection of cash dividend 0.5% on cash amount, Maximum: HKD 2,500 $30.00 Collection of other cash entitlements (including cash offer and privatization) 0.25% on cash amount, Maximum: HKD 2,500 Plus: handling charge for CCASS, HKD 0.8 per board lot, or Stamp Duty of 0.1% $100.00 Receipt of securities from privatization Share consolidation / subdivision Collection of bonus issues and scrip dividend (applicable to unlisted securities) Rights subscription Warrant exercise / ELI redemption via CCASS Nominee services and corporate actions HKD 3 per board lot or odd lot Maximum: HKD 500 Plus: charge for alloted new issue shares deposits and handling charge for CCASS, HKD 0.8 per board lot HKD 30 per event HKD 3 per board lot or odd lot Maximum : HKD 500, Minimum Charge of HKD 30 will be levied on collection of unlisted securities Plus : charge for alloted new issue shares deposits and handling charge for CCASS, HKD 0.8 per board lot HKD 3 per board lot or odd lot Maximum : HKD 500 Plus : handling charge for CCASS, HKD 0.8 per board lot HKD 3 per board lot on top of the above deposit charges Maximum : HKD 500 Plus : charge for alloted new issue shares deposits and handling charge for CCASS, HKD 0.8 per board lot 0.2% of redemption amount (Maximum: HKD$500 / RMB500) Plus : handling charge for CCASS $30.00 $30.00 $30.00 $30.00 $50.00 17
7.5 IPO Subscription IPO Subscription ( New issue share deposits on nominee basis) Via internet channel Via customer services Alloted new issue shares deposits 7.6 Scrip handling and settlement related services Deposit of securities 1. Physical scrip : HKD 5 per board lot or odd lot (Maximum : HKD 100) Plus: Stamp Duty of HKD 5 for each transfer deed 2. Through CCASS Plus: CCASS settlement fee and SI input fee (- CCASS settlement fee: 0.002% of securities value based on the previous day s closing price with minimum of HK$2 and maximum of HKD 100 - SI input fee: HKD 1 per transaction. - Waiving the above charge for those shares purchased through our Bank) Withdrawal of securities 1. Physical scrip withdrawn from CCASS : HKD 10 per board lot or odd lot (Charges for CCASS inclusive) 2. Through CCASS : HKD 30 per transaction Plus: CCASS settlement fee and SI input fee (- CCASS settlement fee : 0.002% of securities value based on the previous day s closing price with minimum of HKD 2 and maximum of HKD 100 - SI input fee: HKD 1 per transaction. - Waiving the above charge for those shares purchased through our Bank) Money settlement fee (Through CCASS) Free $100.00 $150.00 $30.00 $30.00 $50.00 Personal registration by registrar - Handling charge - Scrip fee - Stamp duty on transfer deed HKD 10 per board lot or odd lot Maximum : HKD 500 HKD 2.5 per board lot or odd lot HKD 5 for each transfer deed $100.00 18
7.7 Stock transfer services Deposit of securities Free Withdrawal of securities Per Stock Plus: CCASS settlement fee and SI input fee ( - CCASS settlement fee : 0.002% of securities value based on the previous day s closing price with minimum of HKD 2 and maximum of HKD 100 - SI input fee: HKD 1 per transaction. - Waiving the above charge for those shares purchased through our Bank) 7.8 Trade-related services (Shanghai-Hong Kong Stock Connect) $150.00 Brokerage fee - Customer Service 0.25% on transaction amount RMB75 Handing fee (Shanghai Stock Exchange) Securities management fee (China Securities Regulatory Commission) 0.00696% on transaction amount 0.002% on transaction amount Transfer fee (CCASS) 0.06% on stock face value Stamp duty (State Administration of Taxation) 0.1% on transaction amount (applicable to sell only) Remark: The above charges will be levied in except specify. Noted: The charges will be levied in HKD / MOP except specify. The Bank reserves the right to vary the rate of charges. 19