TERMS AND CONDITIONS (business Customers)

Transcription

1 TERMS AND CONDITIONS (business Customers)

2 TERMS AND CONIDITIONS (BUSINESS CUSTOMERS) CODE % Min. Maks. Fix A - CURRENT ACCOUNT Current Account for businesess. Account opening. Minimum balance required for the account.... Small Business and Physical Persons Other companies (Corporate, Big Business, etc) LEK 00, EUR 0, USD 0, GBP, CHF 0 LEK 7 000,, USD 6, GBP 0, CHF 70. Account Maintenance (monthlu or with account closure).... Small Business and Physical Persons Other companies (Corporate, Big Business, etc) LEK 00, EUR,USD., GBP., CHF LEK 00, EUR, USD, GBP, CHF. Account closure.. Small business, physical persons, Corporate, Big Business, etc LEK 700, EUR 0, USD 6, GBP 7, CHF 0. Issuance of Cheque Book (0 pages) LEK 000, Capital account opening LEK 00,, USD, GBP 8, CHF Maintenance fee for Overdraft account B - TERM DEPOSIT TD Maturity - month, months, 6 months, 9 months, months, months, 6 months * Currency LEK, EUR, USD, etc Account opening Minimum balance required for the account LEK 0 000, 0, USD 00 C - PAYMENTS* * Cash deposit by third parties on account 0.0% LEK 00. Payment of Taxes (different taxes, social and health insurance, etc) non LEK 00/invoice LEK 0/invoice, EUR /invoice * Payment of local Taxes Payment f/o VAT Payment f/o Customs Payment of social insurance (volunteer, farmer, etc) Payment f/o utilitites (fixed and mobile telecommunication, water, energy, internet, etc) Payment f/o ZRPP Payment f/o ALUIZNI non non non 0.%/invoice non non non non Tirana Branches for and non LEK 0 LEK 000 LEK 0/item LEK 00/item, EUR /item LEK 00/invoice LEK 0/invoice LEK 00/invoice LEK 00/invoice LEK 0/invoice LEK 0/invoice LEK 0/invoice LEK 0/invoice LEK 0/invoice LEK 00/service fee LEK 00/service fee LEK 00/service fee +87

3 CODE % Min. Maks. Fix D - CASH WITHDRAWAL Up to,000, LEK. MIO or equivalent * * *,00 0,000, LEK. - MIO or equivalent EUR 0,00 00,000, LEK - 0 MIO or equivalent above EUR 00,000 or equivalent + day valuedate: 0.% of amount; + day valuedate - negotiable, but not less than 0.% for plus day valuedate; + day valuedate- 0 E - CHEQUES Cheques in LEK - only for our Bank s. Issuance of Bank Cheques 0.0% EUR... 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) 0.0% EUR EUR 0..* Other personal cheques, presented in our Bank -forcollection (Outward cheques) 0.0% EUR 0. Cheque returned unpaid in ALL EUR 8..*.. 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) 0.% EUR 0..* Our bank or personal cheques, presented in another Bank (Inward cheques) 0.0% 0 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- local Banks (Outward cheques) 0.0% 0..* Other bank or personal cheques, presented in our Bank for collection for abroad (Outward cheques) 0.0% 0 Cheque non-payment order (valid only ten days after issuance date) Cheque returned unpaid in foreign currency EUR 0 F - *.. *... * * TRANSFERS Payment orders in LEK Incoming payment orders Outgoing payment orders Payment Orders in Foreign Currency Incoming payment orders Outgoing payment orders Outgoing payment orders - urgent Fund transfer (on behalf of our clients Bank) Payment order from account to account for AECH (up to LEK 99,999) -, for AIPS (above LEK,00,000) - for AECH (up to LEK 99,999) - LEK 00, for AIPS (above LEK,00,000) - LEK % 0.% value date 0.% 0 value date 0.% EUR EUR EUR 0 EUR EUR 7 EUR EUR 7 Plus : Swift Plus : Swift Plus : Swift +87

4 CODE % Min. Maks. Fix F - TRANSFERS 6* Payment order received for credit to a of another Bank in Albania 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 0.0% EUR 0 ; for Alpha Bank Greece - EUR EUR 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 G - DOCUMENTARY COLLECTION (INKASO) DOCUMENTARY COLLECTION (INKASO) IMPORT... Notification on incoming documents Payment of documents, accepted by Return of documents, rejected by 0.% 0.0% EUR 00 EUR 00. Amendments.* Swift EUR.6 Courier as per postage fees DOCUMENTARY COLLECTION (INKASO)EXPORT. Delivery of Documents 0.% EUR 00. Incoming payment for accepted documents 0.% 0. Documents Returned unpaid by Collecting Bank. Amendment.* Swift charges EUR. Courier as per postage fees H* - LETTER OF CREDIT (L/C). IMPORT Pre-Advising EUR 0. Opening (on quarterly basis) in advance 0.%. Payment.... at sight Acceptance ( Deferred) 0.0% 0.0%. Examination of documents. Amendment / advising of amendment.6 Cancellation.7 Discrepancy EXPORT. Pre-Advising EUR 0. Opening (on quarterly basis) in advance 0.0%. Payment.... at sight Acceptance ( Deferred) 0.0% 0.0% Confirmation (on quarterly basis) Examination of documents Notification of L/C on another bank Amendment / advising of amendment 0.0%

5 CODE % Min. Maks. Fix H* - LETTER OF CREDIT (L/C).8 Cancellation.9 Dispatch of documents.0 Discrepancy Courier, swift. SWIFT- L/C EUR. Courier as per postage fees I* - BANK GUARANTEE Issuing of Bank Guarantee. Covered with Cash on current account.. Standard form (quarterly basis) EUR 0.. Non standard form (quarterly basis). Covered with deposit/counterguarantee.. Standard form (quarterly basis) 0.%.. Non standard form (quarterly basis) 0.% EUR Covered with other collateral Standard form (quarterly basis) Non standard form (quarterly basis) BG received from other banks (without any engagement) 0.%-% negotiable 0.%-% negotiable EUR 70. Notification Other Commissions. Amendment / Cancellation. Payment 0.0% 0 EUR 00. Swift EUR. Courier as per postage fees J - CREDIT - LOAN * Pre-examination Fee EUR 0-0 Flat Fee Administration Fee 0. -% 0-0.% EUR 0-0, USD 0-0, LEK EUR 0-00, USD 0-0, LEK Amendment Fee 0, USD 0, LEK 000 Prepayment Fee 0-.% EUR-0, USD 0-6, LEK Overdue Rate -0% over interest rate 7 Commitment Fee 0.-.% K - OTHER SERVICES One account statement - monthly Account statement - more frequently and/or dublicate EUR SWIFT MT90 Message EUR /daily, EUR 0/ daily, EUR monthly Account statement for previous years Recommendation letter to third parties LEK Certification on account balance 7 Certification on our Bank loan outstanding balance, evaluation on loan status etc 8* Certification to Auditors LEK 000, EUR 9 Standing Order +87

6 CODE L - * * M - * *.*.* MAIL EXPENSE, TELEPHONE, SWIFT Simple courier / registered Courier services SWIFT SWIFT- L/C; L/G Telephone E-BANKING Registration fee Service commission (monthly) Limited access Full access Reprinting password Smart Card / USB Transaction Commissions % Min. Maks. Fix As per respective cost As per respective cost EUR EUR EUR, LEK 00, USD EUR, LEK 0 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.,..006 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

7 TERMS AND CONIDITIONS - GENERAL NOTES (BUSINESS 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. SPECIFIC NOTES: B : For other currencies - as per Time Deposits Bulletin C : It is not applied for a) loan installment b) deposit by authorized employees of the companies, c) deposit in savings account C 6.: It is not applied for farmer s insurance C 7&7.: Payment f/o ALBTELECOM are free ( and non-) D,, : Negotiable commission for withdrawals within the same day. E.. &..: Plus: Shpenzimet e postimit E.: Deposit and collection service of cheques in USD can not be done, until further notice. E.. &..: In addition: Postage fee and correspondent charges F,,,, & 6 In addition: Beneficiary/ordering bank commissions; as per beneficiary/ordering bank and country, the intermediary banks could apply commissions, (if any). F 6. & 6..: This commission is applicable even for Return incoming transfers for breaking embargo / sanctions / in cases not identify Ordering Customer / data inconsistencies, etc. G: Other Banks commissions are not included G.: Commission not applied only for notification G.: Commission aplied in case of delivery of documents and payment H. The above commissions are in case of cash collateral. In case of other collateral the issuing commission is negotiable 0.%-%, min I: Other Banks commissions are not included J : This fee is included on flat fee in case of loan approval and disbursement L & : In addition postage tariffs K 8: In addition postage tariffs M.: Applied in the beginning M.: One fee despite from the number of accounts chosen to be used through e-banking M..: Information on the balances and transactions M..: Information on the balances and performing different transactions +87

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