FEE INFORMATION DOCUMENT for a payment service user an entrepreneur and a legal entity

Transcription

1 Annex 1 FEE INFORMATION DOCUMENT for a payment service user an entrepreneur and a legal entity Name of the payment service provider: Societe Generale Banka Srbija a.d. Beograd Name (package) of a payment account: Current account in dinars other payment account Payment service user: Entrepreneur and legal entity from Retail division Department of Small companies and entrepreneurs Date: This document contains an informative fee information document for the most frequently used and most significant services linked to the said payment account (payment account package). The payment service provider may charge also the fees for services linked to the payment account which are not stated in this document, consisting only of fees for the most frequently used and most significant services linked to the said payment account. Information on all fees that the payment service provider charges to the payment service user an entrepreneur or a legal person is available in the Pricelist of fees and expenses of the Retail division Department of Small companies and entrepreneurs. A detailed description of the following services (the list of representative services) and additional explanations, if provided by the payment service provider, may be found at counters on the premises of the payment service provider and its website. The payment service provider shall submit those documents to the payment service user at its request and free of charge. SERVICE FEES (percentage of the amount of transaction and/or in the amount of money) 1 General services linked to the payment account 1.1 Payment account keeping current account in dinars other payment account Opening of payment account Maintenance of payment account Closing of payment account One off Note: The text below shows fees for the most frequently used and most significant services linked to this payment account and/or package of services that are charged, in addition to the fee for keeping the payment account, if the user agrees to establish these services, i.e. if it uses such services. 1 for entrepreneurs. 1

2 At the request of a user, a payment service provider shall offer clear and unambiguous information on the fees for services included in this payment account, i.e. the package of services that are not shown below. 1.2 Electronic banking biznis e-banking establishing the service biznis e-banking using the service Hal E-Bank establishing the service Hal E-Bank using the service Monthly 350 for one user Monthly for up to two users 1.3 Mobile banking 2 Cashless payment transactions (except card-based transactions) 2.1 Cashless transfer of dinar funds in the Republic of Serbia At the counter of the payment service provider To other client s account Urgent/instant payment order To other client s account Transfers up to ,99 Transfers above until 13h Transfers above after 13h Urgent/instant payment order Instant transfer up to ,99 By using electronic and/or mobile banking services Urgent transfers up to ,99 until 13h Urgent transfers up to ,99 after 13h To other client s account ,12%, min 150, max ,12%, min 175, max ,12%, min 150, max ,12%, min 175, max ,03%, min 25, max 400 2

3 Urgent/instant payment order To other client s account Transfers up to ,99 Transfers above until 14h Transfers above after 14h Urgent/instant payment order Transfers up to ,99 Transfers above until 14h Transfers above after 14h 2.2 Cashless transfer of euro funds from FX-current account in euros At the counter of the payment service provider At the payment account in the Republic of Serbia At the payment account abroad By using electronic and/or mobile banking services At the payment account in the Republic of Serbia At the payment account abroad 2.3 The receipt of funds from abroad to the FX-current account in euros 2.4 Standing order Establishing and/or using services For executing a transaction 0,03%, min 25, max 400 0,06%, min 50 0,09%, min 80, max ,09%, min 100, max ,06%, min 50 0,09%, min 80, max ,09%, min 100, max

4 2.5 Direct debits Establishing and/or using services For executing a transaction 3 Payment cards and cash 3.1 Debit card issuance Debit card issuance Periodic membership fees for using a debit card 3.2 Debit card cash pay-outs Upon executed transaction In the country Abroad Credit card issuance Credit card issuance At the counter In SGS branches In other banks branches At ATM At SGS ATMs At the counter At ATM Periodic membership fees for using a credit card 3.4 Credit card payments at a merchant's point of sale Upon executed transaction In the country Abroad At other banks ATMs + User s bill of exchange + Owner s bill of exchange + User s Credit Bureau for entrepreneur/legal entity + Owner s Credit Bureau 350 per transaction 195 per transaction 10 EUR per transaction 5 EUR per transaction / Monthly For debit cards linked only to account, fee form Pricelist is converted into further to Central Bank official middle exchange rate on the payment date. 4

5 Annual nominal interest rate Annual effective interest rate Other fees 3.5 Credit card cash pay-outs Fix 27% simple calculation Fix 0% simple calculation From 41,78% to 42,50% 3 From 7,00% to 12,47% 4 Upon executed transaction In the country Abroad 5 Annual nominal interest rate Annual effective interest rate Other fees At the counter At ATM At the counter At ATM 3.6 Cash pay-out from an account by submitting a pay-out order 3.7 Cash pay-in to an account by submitting a pay-in order Cash in dinars deposited on counter Cash in dinars deposited via Express cash service Cash in dinars deposited at cash-in machine minimum 300 minimum 300 minimum 300 minimum 300 Fix 27% simple calculation Fix 0% simple calculation From 41,78% to 42,50% 6 From 7,00% to 12,47% 7 0,5%, min ,12%, min 75 0,08%, min EIR is calculated on with card limit of ,00, with minimal repayment percentage of 10%. 4 EIR is calculated on with card limit of ,00, with minimal repayment percentage of 100%. 5 In dinar counter value in accordance with selling exchange rate. 6 EIR is calculated on with card limit of ,00, with minimal repayment percentage of 10%. 7 EIR is calculated on with card limit of ,00, with minimal repayment percentage of 100%. 8 for entrepreneurs. 5

6 4 Accepting payment instrument 4.1 Accepting payment cards at a point of sale Merchant fee At point of sale At internet point of sale Other fees A payment service provider is both the acquirer and the issuer of the card that is accepted accepted is another payment service provider from the Republic of Serbia accepted is a payment service provider from abroad A payment service provider is both the acquirer and the issuer of the card that is accepted accepted is another payment service provider from the Republic of Serbia accepted is a payment service provider from abroad 4.2 Accepting instant credit transfers at a point of sale A payment service provider the acquirer is both the issuer of the payment instrument for executing instant credit transfer that is accepted A payment instrument issuer for executing instant credit transfer that is accepted is another payment service provider 4.3 Accepting electronic money at a point of sale 6

7 5 Authorised overdraft facility Establishing and/or using the service Processing costs + User s bill of exchange + Owner s bill of exchange + User s Credit Bureau for entrepreneur/legal entity + Owner s Credit Bureau 0%-0,50% of overdraft amount / Annual nominal interest rate Fix, min 3,48%, max 21% simple calculation Annual effective interest rate Min 4,25%, max 24,34% 9 9 EIR is calculated on with overdraft amount of ,00 included. 7