Opening and Maintenance of Accounts

Transcription

1 Opening and Maintenance of Accounts 1. Account opening 1.1. Current Accounts Savings account Standard ProKid account Savings Plan Term Deposit Accounts 2. Minimum balance (1), (2), (3) 2.1. Current Accounts 2.2. Savings account (4) ProKid account Savings Plan Term Deposit Accounts 0 0 No min. balance No min. balance (1) Clients that open current accounts, except minimum deposit are required to have Debit Cards (in currency only) and CIC service ' (2) Salary Receivers are not required of having minimum deposit (valid contract must be presented) ' (3) Students minimum balance for opening current account is,, or (clients shall not be older than 2 yrs. and must have a proof from university) ' (4) For opening savings account clients should have minimum deposit of 0 / or Standing Order connected with the account, where the minimum amount shall not be lower than Current Accounts 6 3. Account maintenance fee () Savings account ProKid Account Savings Plan Term Deposit Accounts ) Maintenance fee is deducted on monthly basis Closing Accounts (6) Current Account Term Deposit Account Penalty fee for cancelation prior to maturity is 1. x interest income on remaining period Penalty fee for cancelation prior to maturity is 1. x interest income on remaining period Penalty fee for cancelation prior to maturity is 1. x interest income on remaining period Penalty fee for cancelation prior to maturity is 1. x interest income on remaining period 6) Closing of current account is free of charge pending that the account has no other obligations to the bank, which have to be settled prior to account closure.

2 4. Interest rates 4.1. Current Accounts 4.2. Savings account 0.40% p.a. ProKid account (7) 0.0% p.a. Savings Plan (minimum monthly installment is.00 ) Standard interest rate 0.40% p.a. Bonus interest rate (8) Term Deposit Accounts 0.0% p.a. As per section % 0% As per section % 0% 7) ProKid accounts will be credited with as a gift deposit from the bank in the moment of account opening and the gift deposit from ProCredit Bank cannot be withdrawn before one year has passed. 8) Bonus interest rate is applicable if clients complete one year with regular monthly installments TDA in - per annum basis (p.a.) (9) Amount Maturity 6 months 12 months 24 months 36 months 48 months 60 months >,000 - <00,000 0.% 0.0% 0.60% 0.70% 0.70% 0.70% (9) These interest rates are valid only for Private Clients. For Institutional Clients, please visit the nearest branch. (10) Bank will not offer Time Deposits in the currency. Price List for Private Customers - Page 2

3 . Packages ().1. ProDynamic Package (10) Current Account Issuance fee of Debit Card Maintenance fee of Debit Card Overdraft (Optional) (Optional) Client Identification Code Maintenance for package 10) ProDynamic Package is dedicated to students only and is free of charge (refer to selection 10. Cards) 0.0% daily interest on the (used) overdrawn amount one time token fee.2. ProDirekt Package Current Account Issuance fee of Debit Card (refer to selection 9. Cards) Maintenance fee of Debit Card Issuance of Credit Card (Optional) Maintenance fee of Credit Card Overdraft (Optional) 0.0% daily interest on the (used) overdrawn amount (Optional) Client Identification Code Maintenance for package (Quarterly) 1.; 3; 6; 9 (11) 11) Maintenance fee for ProDirekt package depends from the combination of products/services.3. ProDynamic Plus Package (12) Current Account Issuance Debit Card Maintenance fee of Debit Card Issuance Credit Card Maintenance fee of Debit Card Overdraft (Optional) E@banking Client Identification Code Maintenance (Quarterly) (refer to section 10. Cards) 0.0% daily interest on the (used) overdrawn amount 7 12) Maintenance fee for ProDynamic Plus includes maintainance of all products/services Price List for Private Customers - Page 3

4 7. Cash Whithdrawal s Equal or above 0.0, but less than Above but less than 0, Equal and above 0, but less than 100, Equal and above 100, /trans (1) These fees will be applied in all accounts excluding Pension Accounts. 1 /trans 0.0 % of the withdrawn amount 1 /trans 0.30 /trans 1 /trans 1 /trans 0.0 % of the withdrawn amount 0.1% of the withdrawn amount 0.1% of the withdrawn amount 0.0 % of the withdrawn amount 0.1% of the withdrawn amount 1 /trans 1 /trans 0.0 % of the withdrawn amount 0.1% of the withdrawn amount 8. Withdrawal Notice Up to Up to,000,000-10,000 10,000-1,000 1,000-0,000 0, ,000 Above 100,000 One day notice prior to withdrawal Two days notice prior to withdrawal One day notice prior to withdrawal One day notice prior to withdrawal One day notice prior to withdrawal 9. s for Coin Deposits on Current and Saving Accounts Up to and above 3% on deposited amount Price List for Private Customers - Page 4

5 Cards () 10.Debit Cards Maestro Card VISA Electron Issuance and Maintenance of Card Issuance of first card Reissuance (in case of lost, stolen, damaged or other) Issuance of second card Issuance of card for authorized person Maintenance fee Cash Withdrawal for cash withdrawal inside bank premises ATM for cash withdrawal outside bank premises ATM for cash withdrawal in other bank's ATM inside and outside Kosovo Cash back from merchants Withdrawal in PCB ATMs in : Albania, Macedonia & BiH Free % / min /transaction 1 Free % / min /transaction POS Terminals for purchases from a merchant using our bank's POS terminals for purchases from a merchant using other bank's POS terminals inside and outside Kosovo for purchases at POS terminals of PCB Albania and PCB Macedonia 11.Credit Cards 1 % from the total amount Master Card Issuance and Maintenance of Card Issuance of first card Reissuance (in case of lost, stolen, damaged or other) Issuance of second card Issuance of card for authorized person Maintenance fee of first Credit Card (1) Overdue fee 0.% daily interest 1 % from the total amount VISA Classic 0.% daily interest Price List for Private Customers - Page

6 11.2. Cash Withdrawal/Deposit () for cash withdrawal inside bank premises ATM for cash withdrawal outside bank premises ATM for cash withdrawal in other bank's ATM inside and outside Kosovo ATM Cash In Deposit POS Terminals for purchases from a merchant using our bank's POS terminals for purchases from a merchant using other bank's POS terminals inside and outside Kosovo 2 %, min. 2 %, min. % / min. 1 % from the total amount 2 %, min. 2 %, min. % / min. 1 % from the total amount for purchases at POS terminals of PCB Albania and PCB Macedonia 12. Retained Cards and reset of PIN in ATM and POS Retained card in ATM at the bank premise Retained other bank's card Retained card in offsite ATM Reset of PIN due to tries exceeded in POS for changing PIN in ATM 1 for changing PIN in POS Card Transaction Investigation D Secure ( i PIN) 3D Secure ( i PIN) 1 Note (1) Yearly maintenance fee for the first credit cards (out of the packages ProDirekt and ProDynamic Plus) is. If you have both credit cards then the maintenance fee for the second credit card is 1 *** Chargeback Charges 2 (Penalty ) Price List for Private Customers - Page 6

7 Money Transfers 13. International Money Transfers Account Holder Only 13.1.Incoming Money Transfer 1 All currencies <= 0 > > 300 >0 Transfer Maximum fee ) IIMT payments with charges details OUR, if PCB additional charges emerge, the difference will be charged as handling fee >0 > Reclamation for International Money Trasnfers Outgoing Money Transfer 2 Transfer Maximum fee ) IOMT payments with charges details OUR, difference of reimbursed fee from correspondent bank will be charged Outgoing Money Transfer (fees dor third bank charges) Flat Standard flat fee for third bank charges Express flat fee for third bank charges Special flat fee for third bank charges * Request for Special Flat for should be sent to Business and International Payment Unit for approval prior offering to the client. **Special Flat for are covered only correspondent bank charges and not beneficiay bank *** Currently Special Flat for and are not offered 13.3 National Money Transfer between PCB Branches Account Holders Only Transfer E-Banking Transfer * ** *** *** Incoming Trensfer (Acc. Holders Only) National Money Transfers with other Banks in Kosovo 3 Incoming Transfer 1 Outgoing Transfer 1. Outgoing Transfer with priority National outgoing to other banks with EBA 0.7 3) National money transfer to other banks in U.S. $, and in are not allowed because of CBK rules and regulations, is treated and considered as a local currency Pro Pay International Money Transfer (Account Holders) Incoming Money Transfer Transfer Outgoing Money Transfer 4 Transfer 4) for beneficiary,except PCB-Macedonia that claims 0.0%, min % 1 0.1% Confirmation of statement via Swift Monthly flat fee per client 0 Price List for PI - Page 7

8 Mass Payments within PCB Commission for list acceptance 1.00 Commission for transactions within PCB Note: These prices are applicable only when beneficiaries are accounts of PCB Mass Payments to other banks Commission for list acceptance Commission for a single transaction to another bank 1.0 Note: These prices are also applicable when beneficiaries are other banks and PCB Mass Payments via e-banking to other banks Commission for uploading the list Commission for a single transaction to another bank 1.0 Salary Payments within PCB Commission for list acceptance 1.00 Commission for total transactions Note: These prices are applicable only when beneficiaries are accounts of PCB Salary Payments to other banks Commission for list acceptance 1.00 Commission for total transactions per bank 1.0 Note: These prices are also applicable when beneficiaries are other banks and PCB Salary Payments via e-banking to other banks Commission for uploading the list Commission for total transactions per bank 1.0

9 14. E-Banking Services Access to E-banking Account Balances Viewing last orders made by E-banking RSA Secur ID token for Private Individuals Flat Premium e-banking contract 2 1) Re-issuance of RSA Secur ID token for Private Individuals is 2) Except token fee, additional applied for this type of contract Price List for PI - Page 9

10 1. Cheques (1) 1.1. Cheques Drawn on ProCredit (sent from abroad) Import cheques 0.7% 2 (per cheque) 0.7% 2 (per cheque) 0.7% 2 (per cheque) 0.7% 2 (per cheque) 1) Foreign charges / additional expenses arising through other Banks will be charged as they occur. 16. Charges for Damaged Money Damaged Money for Account Holder Damaged Money for Non-Account Holders Damaged Money Taken for Collection - Account Holders 1.0% 3.00% min.fee 1 or 1.0 % 17. SMS Service (1) SMS service for debit and credit cards Application for SMS Service Maintenance fee Price per one SMS SMS Top-Up Top-Up for mobile phones Top-Up for IPKO package Notes: 1) There are three available schemes that clients can apply to receive SMS notifications: for transaction 0. for transaction To receive SMS for transactions from 0 Euros and above To receive SMS for transactions from 100 Euro and above To receive SMS for transactions from 0 Euro and above Price List for Private Customers - Page 10

11 18. Other Services Visa Confirmation Copy of documents (special request from clients file, copy of bank transactions different dates ) Collector payments in Cash (for bank clients) 1.0 Collector payments in Cash (for non-bank clients) 2 Collector payments with Transfer 1 Payment of Kos Gyro bills for KEK and PTK through Barcode in PCB ATMs Confirmation on repaid loan 2 Issuing Letter of Reference/Letter of Intent/Letter confirmation of turnover for Credit Clients Issuing Letter of Reference/Letter of Intent/Letter confirmation of turnover for Non-Credit Clients 10 Confirmation Letter of Bank Expenses 2 KOS-Gyro KEK, PTK, Water Supply (Inside the bank terminals) KOS-Gyro with other companies (Inside the bank terminals) E- Banking s Outside Collectors Municipalities, Ministries, Jails 0.0 Taxes, Pensions 0.0 Ministry of Education, University Inside Collectors (IPKO, Bulgarian Embassy, FSKP, Insig) KOS-Gyro KEK, PTK, Water Supply Insurance companies 0.. CIC (user ID) for Call Center Services Issuance of CIC - account holder Issuance of CIC - authorized persons 1 Price List for Private Customers - Page 11