TERMS AND CONDITIONS (Individual Customers)

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1 TERMS AND CONDITIONS (Individual Customers)

2 TERMS AND CONDITIONS (INDIVIDUAL CUSTOMERS) CODE A * B - * * C - 5 CURRENT ACCOUNT Current Account for Individuals Currency in LEK, EUR, USD, etc Issuance of Cheque Book (0 pages) Account Maintenance (monthly or with account closure) Current Account for Premier Customers Currency in LEK, EUR, USD, etc Account Maintenance (monthly or with account closure) Premier Package Premier Package commission (monthly) Current Account Debit Card Premier Saving Account Standing Order E-banking Account Statement SAVING ACCOUNT Account Maintenance (semianually or with account closure) PAYROLL ACCOUNT Account Maintenance Payroll Package commission % Min. Maks. Fix LEK 800, EUR, USD, GBP, CHF LEK 00, EUR 0, USD, GBP 8, CHF LEK 50, EUR, USD, GBP, CHF.5 Included in package Included in package Included in package Included in package Included in package Included in package 000 LEK EUR, LEK 50, USD, GBP, CHF up to months EUR 0, LEK 00, equiv, above EUR 5, LEK 700, equiv LEK 500, EUR 0, USD 0, GBP 5, CHF 0 First months: EUR 0, LEK 00, USD 0, GBP 8, CHF, after first months: EUR 5, LEK 700, USD 5, GBP, CHF 7 No miminum LEK 00/transaction, EUR 0.7/transaction, USD 0.7/transaction 0 EUR 5, LEK 700, USD 6, GBP, CHF 7 D - ACCOUNTS FOR ECONOMIC ASSISTANCE CUSTOMERS (INCAPACITATED/DISABLED PERSONS INCLUDED) No miminum Service commission LEK 00 / transaksion

3 E - * F - G - * PENSIONER ACCOUNT Account Maintenance STUDENT ACCOUNT Account Maintenance (Debit Card annual fee included) TERM DEPOSIT TD Maturity - month, months, 6 months, 9 months, months, months, 6 months Currency in LEK, EUR, USD, etc % Min. Maks. Fix LEK 600 / EUR 6 50 LEK / 0.5 EUR 000 LEK LEK , 0, USD First months: EUR 0, LEK 00, After first months: EUR 5, LEK 700 First months: EUR 0, LEK 00, After first months: EUR 5, LEK 700 H - PAYMENTS * * Cash deposit by third parties on account 0.0% LEK 00, EUR, USD. Payment of Taxes (different taxes, social and health insurance, etc) non- LEK 50/invoice LEK 50/invoice Payment of local Taxes Payment f/o VAT Payment f/o Customs non- non- non- 0.% invoice LEK 00 LEK 50/item LEK 50/item LEK 50/invoice LEK 50/invoice LEK 00/invoice 6 6.* Payment of social insurance (volunteer, farmer, etc) non- LEK 50/invoice LEK 00/invoice 7* Payment f/o utilitites (fixed and mobile telecommunication, water, energy, internet, etc) Payment f/o ZRPP Payment f/o ALUIZNI non- non- non- LEK 50/invoice LEK 50/invoice LEK 50/invoice LEK 50/invoice LEK 50/service fee LEK 50/service fee 0 0. *. *. Payment f/o State Budged Account (public universities, schools, etc) Payment f/o Baliff Office Payment f/o private universitites etc non- non- 0.% invoice non- LEK lek/invoice LEK 50/invoice 00 lek/invoice 00 lek/invoice LEK 50/invoice I - CASH WITHDRAWAL Up to 500,000 LEK or equivalent 500,00,500,000 LEK or equivalent Above,500,000 LEK or equivalent Within day: 0.% of amount; + day valudate and >= days valudate - a) Within day: negotiable (not less than 0.% of amount); b) + day valuedate - 0.% of amount; c) >= day valudate

4 % Min. Maks. Fix J - CHEQUES *..*...*..*....* Cheques in LEK - only for our Bank s Issuance of Bank Cheques Payment of Cheques Our bank or personal cheques when issuer & beneficiary are ABI s s (internal cheques through cash or account) Our bank or personal cheques, presented in another Bank (Inward cheques) Other bank cheques, presented in our Bank (Outward cheques) Other personal cheques, presented in our Bank -for collection (Outward cheques) Cheque returned unpaid in ALL Cheques in Foreign Currency - only for the s of our Bank Issuance of Bank Cheques Payment of Cheques Our bank or personal cheques when issuer & beneficiary are ABI s s (internal cheques through cash or account) Our bank or personal cheques, presented in another Bank (Inward cheques) Other bank or personal cheques, presented in our Bank- local Banks (Outward cheques) 0.% LEK 000 LEK % 0.0% 0.5% 0.0% 0.0% EUR 5 EUR 5 EUR 0 EUR 0 EUR 0 EUR 0 EUR 00 EUR 50 EUR 00 EUR 00 EUR 8 From the cheque amount, paid to Beneficiary s Bank are deducted: commission plus swift 0 EUR...* Other bank or personal cheques, presented in our Bank for collection for abroad (Outward cheques) 0.0% EUR 0 EUR 00 K* - *. Stop Payment of Cheque (valid only ten days after issuance date) Cheque returned unpaid in foreign currency TRANSFERS Payment orders in LEK Incoming payment orders for AECH (up to LEK 99,999) -, for AIPS (abovelek,500,000) - EUR 0. Outgoing payment orders for AECH (up to LEK 99,999) - LEK 500, for AIPS (above LEK,500,000) - LEK 500 * Payment Orders in Foreign Currency... Incoming payment orders Outgoing payment orders Outgoing payment orders - urgent 0.0% 0.5% value date 0.% 0 value date 0.5% EUR 5 EUR 5 EUR 0 EUR 5 EUR 75 EUR 5 EUR 75 Plus: Swift Plus: Swift Plus: Swift * Fund transfer for account of Bank clients EUR 0 * Payment order from account to account 5* Payment order received for credit to a of another Bank in Albania 0.% EUR

5 % Min. Maks. Fix K - TRANSFERS 6* Additional commisions for payment orders Non STP (IBAN inaccuracy, absence of beneficiary Bank BIC etc) Amendment / cancellation / inquiries Inquiries on transactions processed more than months ago non- EUR 0; for Alpha Bank Greece - EUR 5 EUR 5 LEK 000, EUR 0, USD 0 LEK 000/ EUR 0 6.* Return of funds for incorrect IPO in ALL LEK * Return of funds for incorrect IPO in FCY EUR 0 6. Return of funds for incorrect IPO in ALL (not with request) Return of funds for incorrect IPO in FCY (not with request) EUR 0 CREDIT LINE OF THE LETTER OF CREDIT/BANK GUARANTEE Administration fee* (as per collateral offered) Cash blocked in current account /Pledge account of charge Cash blocked in Time Deposit, TB, Counter Guarantee 0.% of the amount Other forms of guarantee (real estate, pledge, personal guarantor) % of the amount Line commissions* (as per collateral offered) Cash blocked in current account /Pledge account Cash blocked in Time Deposit, TB, Counter Guarantee 0.% per quarter Other forms of guarantee (real estate, pledge, personal guarantor) 0.75% per quarter Notes. Administration fee will be applied on the amount in advance. Line commissions will be applied in advance in the beginning of each quarter L -. DOCUMENTARY CREDIT (LETTER OF CREDIT) Import Letter of Credit Pre-advice EUR 0.. Customer advise Preparing of Draft of charge of charge..5 Opening (on quarterly basis) in advance Payment 0.5% At sight Deferred Amendment Cancellation Discrepancies SWIFT Mail 0.0% 0.0% Tariffs in force EUR 00 EUR

6 % Min. Maks. Fix L - DOCUMENTARY CREDIT (LETTER OF CREDIT) Export Letter of Credit. Pre-advice EUR 0. Advising 0.0%. Payment.. At sight 0.0%.. Deferred 0.0%. Confirmation (on quarterly basis) 0.0% EUR 00.5 Advise of Letter of Credit to a third bank EUR 00.6 Advise of amendment of Letter of Credit to a third bank Euro 50.7 Transferring to third part 0.% of the amount.8 Amendment.9 Cancellation.0 Discrepancies. SWIFT EUR 5. Mail Tariffs in force M N* - BANK GUARANTEES Issuing Advise Preparing of Application Standard form (quarterly basis) Non standard form (quarterly basis) Amendment Cancellation Payment SWIFT Mail Bank Guarantees advised without responsibility on ABI Advise without responsibility to the Amendment Cancellation Transmission of Claim for authentication purpose Incoming payment from BG claim transmitted by ABI for authentication purpose Swift Mail SAFE BOX of charge of charge EUR 0 EUR 0 EUR 00 0.% EUR 00 EUR 00 EUR 5 Tariffs in force EUR 00 EUR 0 EUR 5 Tariffs in force Safe Boxes month month 6 month month. Size I (75 x 5 mm) EUR 0 EUR 5 EUR 5 EUR 0. Size II (5 x 5 mm) EUR 0 EUR 0 EUR 80. Size III (60 x 75 mm) EUR 0 EUR 90 EUR 0. Size IV (60 x 5 mm) EUR 0 EUR 70 EUR 0 EUR 60.5 Size V (60 x 60 mm) EUR 90 EUR 0 EUR 00 * Amount to be blocked, as per Safe Box Lease Contract (guarantee) Amount to be blocked, in case of force opening of Safe Box EUR 00 EUR

7 % Min. Maks. Fix O - CREDIT - LOAN Disbursement Fee. Housing % EUR 50, LEK Consumer - % EUR 0-0, LEK Amendment Fee.. Housing Consumer Pre-Payment Fee, USD 60, LEK *.* Housing Consumer Overdue Rate - % 0%. Housing 5%,p.a on overdue amount. Consumer 0%, p.a on overdue amount P - OTHER SERVICES One account statement - monthly Account statement - more frequently and/or dublicate EUR Account statement for previous years 0 EUR Recommendation letter to third parties LEK Certification on account ibalance LEK Certification on our Bank loan outstanding balance, evaluation on loan status etc LEK Certification to Auditors Standing Order Q - COURIER EXPENSES, TELEPHONE, SWIFT * Simple courier/registered as per respective costs * Courier services as per respective costs SWIFT 0 EUR SWIFT- L/C; L/G 5 EUR 5 Telephone EUR R - DEBIT CARD VISA ELECTRON.... Issuing Commissions Card issuing Annual Fee - first year Annual Fee Reissue (lost/stolen) Standard Customers 700 LEK / 5 EUR 600 LEK / 5 EUR 00 LEK / 0 EUR for payroll and students for payroll and students 700 LEK / 5 EUR Reissue with request (changes on plastic) Automatic renewal (expired) Renewal with request (expired) PIN reissue with request 00 LEK / 0 EUR 700 LEK / 5 EUR 500 LEK / EUR

8 % Min. Maks. Fix R S DEBIT CARD VISA ELECTRON Transaction Commissions Cash withdrawals On - Us ATM Transactions and Manual Cash Disbursement Domestic ATM and Manual Cash Disbursement International ATM and Manual Cash Disbursement ATM Balance Inquiry On - Us ATM Balance inquiry Purchase transaction on POS Domestic Purchase Transactions International Purchase Transactions Other Commissions Supplementary Card Fee Limits Number of ATM Transactions Cash Disbursement Limit per Day Number of Purchase Transactions CREDIT CARD - VISA GOLD Issuing commisions Annual Fee First Year Annual fee Reissue (lost / stolen) Reissue with request (changes on plastic) Automatic Renwal (expired) Reissue with request (expired) Only PIN reissue with request Transaction Commissions Cash withdrawals On - Us ATM and Manual Cash Disbursement Domestic ATM and Manual Cash Disbursement International ATM and Manual Cash Disbursement Purchase transaction on POS Domestic Purchase Transactions International Purchase Transactions Other Commissions Supplementary Card Fee Transaction claim.5%, Min. 00 LEK/.5 EUR, Max. 800 LEK/6 EUR.5%, Min. 500 LEK/ EUR, Max. 000 LEK/ 8 EUR %, Min. 70 LEK / 0.5 EUR 700 LEK / 5 EUR LEK LEK/ 000 EUR 50 LEK / 0 EUR 500 LEK / 0 EUR 000 LEK / 8 EUR 000 LEK / 8 EUR 500 LEK / 0 EUR 600 LEK / 5 EUR.5% Min. 00 LEK/ EUR, Max. 800 LEK/6 EUR % Min. 500 LEK/ EUR, Max. 000 LEK/8 EUR.5% Min. 600 LEK/ 5 EUR, Max. 00 LEK/9 EUR 500 LEK/ 0 EUR

9 % Min. Maks. Fix S - CREDIT CARD - VISA GOLD 5 Interest fee 5. Normal Interest Charges 5.00% 5. Arrears 7.50% 5. Late Payment Charges 7.50% Minimum Payment % and minimum due amount Over limit Charges 7% Min. 000 LEK / 0 EUR 6 Limits 6. Number of ATM Transactions Cash Disbursement Limit per Day Number of Purchase Transactions LEK / 00 unlimited T - E-BANKING.* Registration fee.* Service commission(monthly).. Limited access.. Full access EUR, LEK 00, USD. Reprinting password EUR, LEK 0. Transaction Commissions As per standard terms and conditions VALUE DATES (AVAILABILITY) FOR CHEQUES PROCESSING AND PAYMENTS TYPE OF TRANSACTIONS CHEQUES PAYMENTS - within local banks, issued by local banks Other Local Bank Cheque in ALL Personal Cheques (for collection) in ALL Other Local Bank Cheque in FCY Cheques for collection in FCY - issued by foreign banks Bank Cheques in ALL VALUE DATES (IN WORKING DAYS) AVAILABILITY same day of clearing in BOA + days after clearing in BOA + day after processing terms* *)Approximately three days till processing terms + day after processing terms* *)Approximately one month till processing terms same day NOTE: PROCESSING TERMS OF LOCAL CHECKS IN ALBANIAN LEK ARE DEFINED IN THE REGULATION ON ORGANISATION OF CLEARING CHEQUES IN ALL AT BANK OF ALBANIA DEC. NO. 5, TYPE OF TRANSACTIONS VALUE DATES (IN WORKING DAYS) AVAILABILITY TRANSFERS Incoming Payment Orders in ALL Incoming Payment Orders in FCY Outgoing Payment Orders in ALL++ Outgoing Payment Orders in FCY++ ++ Interbank settlement data Value Date acceleration commission same value date + day after processing terms + day + days fixed accelerate percentage (on daily basis): 0.0% for LEK; minimum LEK

10 ALBANIAN GOVERNMENT SECURITIES ACTIVITY WITH CUSTOMERS LEK SECURITIES TYPE OF SERVICE Intermediary fee GOVERNMENT T-BILLS GOVERNMENT BONDS Flat LEK,000 Custodian fee Custodian transfer fee Order cancellation fee Security pledge fee 0.5%, Min LEK,000 & Max LEK 0,000 0.%, Min LEK,000 & Max LEK 5,000 (charged once) 0.5%, Min LEK,000 & Max LEK 7,000 LEK 500 (min day prior to the auction) of charge EUR,USD SECURITIES* TYPE OF SERVICE Intermediary fee GOVERNMENT T-BILLS GOVERNMENT BONDS Flat EUR,USD 8 Custodian fee Custodian transfer fee Order cancellation fee Security pledge fee 0.5%, Min EUR,USD 5 & Max EUR,USD 75 0.%, Min EUR,USD 8 & Max EUR,USD 0 (charged once) 0.5%, Min EUR,USD 8 & Max EUR,USD 55 EUR,USD 5 (min day prior to the auction) of charge *The prices do not include activities related to the Eurobond or any other non-all denominated instrument, be it government or not, traded in markets other than Albania. TERMS AND CONDITION - GENERAL NOTES (INDIVIDUAL CUSTOMERS) GENERAL NOTES: All the payment orders (transfers, cheques, etc.) are subject of regulation of Bank of Albania. Deposit near the bank is insured up to amount (two milion five hundred thousand) lek from Deposit Insurance Agency Interest rates and other conditions of time deposits are published in Time Deposits Bulletin. Payment of commissions in other currencies will be converted with the exchange rates of the day. The exchange rate is published in the Bank premises on daily basis ++According to international and domestic legislation to implement decisions concerning the various embargoes and sanctions against countries or goods may be delays in executing their transfers (incoming as well as outgoing) for investigation purposes. Bank can amend Terms and Conditions without prior notice

11 SPECIFIC NOTES: A.5: Student accounts have monthly maintenance fee. In the commission is included debit card commission B: Savings account for retail s should be used only for savings. Transactions that can be allowed in this account are: linkage to a time deposit, cash withdrawal by the owner / owners of the account and transfer funds from / to other accounts within the Bank s owners. In other cases its use for any transactions such as payments to third parties or transfers of funds into account not the owner / owners account then terms and conditions will apply and an additional fee 50 ALL / 50cent for each transaction. B : For savings account linked with a time deposit no minimum balance to be applied. E : For all pensioner s account in LEK, is offered saving account in EUR with minimum balance EUR 0. G : For other currencies - as per Time Deposits Bulletin H: For all cash payments, commissions as non-client are applied H : It is not applied for a) loan installment b) deposit by authorized employees of the companies, c) deposit in savings account H 5.: It is not applied for farmer s insurance H7: Payment f/o ALBTELECOM are free ( and non-) J.. &..: In addition: Postage fee J.: Deposit and collection service of cheques in USD can not be done, until further notice J.. &..: In addition: Postage fee and correspondent charges K,,,, 5 & 6: In addition: Beneficiary/ordering bank commissions; as per beneficiary/ordering bank and country, the intermediary banks could apply commissions, (if any). K 6. & 6..: This commission is applicable even for Return incoming transfers for breaking embargo / sanctions / in cases not identify Ordering Customer / data inconsistencies, etc. N: The Safe Boxes service is available only for our s maintaining an active account with us. N : This amount remains blocked for the entire period of lease O.: If the period length between the prepayment and credit maturity is higher than year, the compensation shall not be higher than % of early prepaid amount and if this period is less than year, the compensation shall not be higher than % of prepaid amount. O.: In cases of Fix interest rate application: If the period length between the prepayment and credit maturity is higher than year, the compensation shall not be higher than % of early prepaid amount and if this period is less than year, the compensation shall not be higher than 0.5% of prepaid amount. In cases of Variable Interest Rate application and Overdraft: No prepayment fee is applied. Q & : In addition postage tariffs Q 8: In addition provider tariffs T.: a) Applied in the beginning T.: One fee despite from the number of accounts chosen to be used through e-banking T..: Information on the balances and transactions T..: Information on the balances and performing different transactions

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