Fee for private individuals

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Wilfrid Palmer
6 years ago
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1 Fee for private individuals EUR Currency The price list has been updated on 14 May

2 1. CURRENT ACCOUNTS Account Opening Minimum balance Over the counter withdrawal charge (for amounts up to 2,000) free of charge No minimum required 1.00 Cash withdrawal above , % Cash Withdrawal in Foreign Currency: coins 0-10, , , above 50, USD $ 0.10 $ % CHF SFr SFr % GBP % A 24 hours prior notice is required for cash withdrawals in EUR and foreign currencies, for amounts above 10,000 Main branch in Prishtina* 50, Other branches in Kosovo** 25, Subbranches*** 10, Payments and deposits Third party cash deposits 2.00 Cash deposit, coins (above 100 pieces) Between Raiffeisen Bank accounts in Kosovo (applicable for non package clients only) Between client s accounts Standing order - contract agreement (non current account package clients only, when the contract is concluded in the branch) Transfers via standing order (non current account package clients only, when the contract is concluded in the branch) Standing order via e-banking and transfers via e-banking 5%, min For and from other banks in Kosovo 1.50 Transfers to other banks in Kosovo via E-banking Salary payment list electronically by the employer Salary payment list non-electronically by the employer

3 University payment fee in the branch 1.50 University payment fee via e-banking CFA payments for non package clients 3.00 in the branch CFA payments via e-banking CFA payments for package clients 1.50 GIRO payments in the branch 1.50 GIRO payments via e-banking International money transfer in Kosovo (incoming) 0.3%, min , max. 1, For amounts up to International money transfer outside Kosovo (outgoing) For non package clients through the branch For non package clients via e-banking For package clients through the branch 0.3%, min , max. 1, %, min , max %, min , max. 1, For package clients via e-banking 0.3%, min , max. 1, Payments within Raiffeisen Group (incoming and outgoing): up to 12, from 12, to 50, above 50, Research on outgoing transfers less than 3 months 10.00, plus third party charges Investigations on outgoing transfers more than 3 months 50.00, plus third party charges Damaged money 3.0% min Account statement fee (free of charge for the first time) Account maintenance fee Closing of account Payment form copy (if required after more than 6 months) for non package clients 0.75 per month free of charge 5.00 Visa confirmation 2.50

4 Account confirmation (for non package clients) 2.50 Other fees ESCROW account fee Change of collateral / guarantor fee Account closure confirmation fee Account authorization fee 5.00 *Main branches in Prishtina: Prishtina 1, Corporates, Premium Branch, Fushë Kosova and Prishtina V **Other branches in Kosovo: Mitrovica, Peja, Gjilan, Gjakova, Prizren, Ferizaj and Mitrovica North ***Subbranches: Vushtria, Kamenica, Malisheva, Kaçanik, Shterpca, Graçanica, Rahovec, Prishtina Bill Klinton Boulevard, Vitia, Podujeva, Suhareka, Istog, Klina, Lipjan, Prizren - Shadërvan, Drenas, Prishtina - Sunny Hill, Dragodan, Dardani, Vranjevc, Obiliq, Taslixhe, Dragash, Prizren 3, Mitrovica subbranch, Shtërpca, Shtime, Hani i Elezit, Vërmica, Ferizaj 3, Rahovec, Gjakova subbranch, Deçan, Peja subbranch, Gjilan 2. TIME DEPOSIT ACCOUNTS Note: Effective interest rates shall be calculated pursuant to CBK regulation Opening of account free of charge Minimum balance 10,000, 10,000 GBP, 10,000$, 10,000 CHF Transfer at maturity in current / free of charge savings account Please, contact client relationship officer for the interest rates. If the agreement is terminated prior to maturity, penalty fee shall apply. 3. FLEXI DEPOSIT Interest rate for existing clients with a 0.3% current account package Interest rate for existing clients without a 0.1% current account package Interest rate for new clients 0.01% Account Opening free of charge Bilanci minimal You may withdraw money twice a month free of charge (for existing clients), respectively once a month for new clients Penalty fee after the first withdrawal, respectively the second one 4. SAVINGS ACCOUNT Interest rate for existing clients with a current account package % 4

5 Interest rate for existing clients without a current account package 0.1% Interest rate for new clients 0.01% Account Opening Minimum balance N/A Cash transactions 5. Savings Account for Children Interest rate for existing clients with a 0.3% current account package Interest rate for existing clients without a 0.1% current account package Interest rate for new clients 0.01% Opening N/A Minimum balance 0 Cash transactions 6. SMS Top Up Service Monthly maintenance fee (applicable for non current account package clients) 0.20 SMS Top Up fee or any service (applicable for non current account package clients) E - BANKING Web option application 5.00 SMS option application 5.00 Bank ID or 1.00 per month Smart Card Smart Card Reader Web Account maintenance Smart Card Account Maintenance fee per user SMS Account Maintenance fee per user 0.50 per month 1.00 per month 0.50 per month Price per SMS 0.20 PIN code reset on client request Web option Replacement of a lost, stolen or damaged card or card reader Smart Card Smart Card Reader

6 8. CARDS Card issuance fee VISA Electron, VISA Classic, 5.00 MasterCard, Debit Master Card transaction fees POS payment within Raiffeisen Bank POS Network POS payment at any other POS 1% Network POS payment outside the country and 1% online payments Card maintenance fee VISA Electron free of charge VISA Classic 1.00 per month MasterCard per year Card transaction fee, VISA, Debit Master Cash withdrawal from Raiffeisen Bank ATMs in Kosovo (for package clients) Cash withdrawal from Raiffeisen Bank ATMs in Kosovo, within bank premises (for non package clients) Cash withdrawal from Raiffeisen Bank ATMs in Kosovo outside bank premises (for non package clients) 0.30 Cash withdrawal from any other bank ATM Cash withdrawal in banks outside Kosovo (cash counters or exchange bureaus) Card transactions fees, Master Card 2.5%, min %, min Cash withdrawal from Raiffeisen Bank ATMs in Kosovo Cash withdrawal from any other bank ATM Cash withdrawal in banks outside Kosovo (cash counters or exchange bureaus) 2.5%, min %, min %, min

7 Other services PIN code reset on client request Visa Electron, Visa Classic, 2.50 MasterCard, Debit Master Replacement of a lost, stolen or damaged card Visa Electron, Visa Classic, MasterCard, Debit Master Exchange currency fee when transactions are made outside the country Charge back procedure, for all the cards Minimum monthly salary required for VISA Classic Minimum monthly salary required for MasterCard Penalty fee for cash withdrawal from a blocked account, VISA Penalty fee for cash withdrawal from a blocked account, MasterCard % Master Card delayed payment rate Fixed Fee on Master Card delayed payment 0.4% ndalesë ditore 5.00 PLUS & GOLD VISA CREDIT CARD Note: Effective interest rates shall be calculated pursuant to CBK regulation Annual fee Cash withdrawal from Raiffeisen Bank ATM / cash counter Cash withdrawal from ATM / cash counter in the country Cash withdrawal from ATM / cash counter outside the country POS payments within Raiffeisen Bank network 2.00% min % min % min free of charge POS payments in the country 1% POS payments outside the country and 1% online payments Card issuance

8 Card replacement 5.00 Monthly statement fee free of charge First warning letter fee 5.00 Second warning letter fee 5.00 Third warning letter fee 5.00 Bonus from installment transactions 1% Bonus from non-installment 0.5% transactions Regular annual interest rate 24.9% Annual penalty interest rate 36% Monthly cash withdrawal 50% Minimum payment 5% 9. WESTERN UNION MAIN CATHEGORY All amounts in EUR Amounts from Amounts up to Fees - EUR , , , , , , , , , , , Note: For each transfer above 2,560.00, are added 10. OTHER SERVICES Direct hand over FEE - EUR in Ecuador 7.00 In Philippines

9 in USA in Dominican Republic 3.00 in all the other countries Phone/telegram notification FEE - EUR In Chile 2.50 In Vietnam 1.50 In all the other countries

10 11. CURRENT ACCOUNT PACKAGE START package includes the services below: 1.99 Opening of account Debit Card (Visa Electron and Debit Master) Current account monthly maintenance fee E-Banking / M-Banking activation E-Banking / M-Banking maintenance Credit card issuance One account statement per month Credit Card monthly statement SMS Top Up Service Discount on ATM withdrawal fee Discount on tax payment fee Discount on fees for national transfers via E - Banking PREMIUM package includes the services below: 3.99 Opening of account Debit Card (Visa Electron, Visa Classic and Debit Master) Current account monthly maintenance fee Visa Classic monthly maintenance Two interbank transfers per month SMS banking service activation SMS banking maintenance Two monthly account statements E-Banking / M-Banking activation Credit Card / Master Card Issuance SMS Top Up Service E-Banking / M-Banking maintenance Discount on ATM withdrawal fee Discount on tax payment fee Discount on fees for national transfers via E - Banking Bank ID Visa Confirmation And: Discount on tax administration for Express Loans Special interest rates for TDAs (within package) 10

11 12. NON MORTGAGE SECURED LOANS Note: Effective interest rates shall be calculated pursuant to CBK regulation Personal Loans Amount 1, , , , Interest Rate 12.9% (up to 5,000.00) 11.9% (from 5, ,000.00) Loan repayment insurance Administrative 0.05% (Silver) on monthly bases 0.07% (GOLD) on monthly bases 2% 1% of the amount, if loan maturity is less than one year, and 2% of the amount, if loan maturity is more than one year Express Loans Amount , Interest Rate 16.9%(without PPI) 14.9% (with PPI) Loan repayment 2% (Silver) dhe 4% (Gold) insurance Administrative 2% 1% of the amount, if loan maturity is less than one year, and 2% of the amount, if loan maturity is more than one year Personal loan with no salary through the bank Amount , Interest Rate 19.90% Monthly maintenance fee Administrative 0.1% on disbursed amount 2% 11

12 1% of the amount, if loan maturity is less than one year, and 2% of the amount, if loan maturity is more than one year Bio loan Amount 1, , , , Interest Rate 11.9% (up to 5,000.00) 10.9% (from 5, ,000.00) Administrative 2% 1% of the amount, if loan maturity is less than one year, and 2% of the amount, if loan maturity is more than one year Car Loans Amount 3, , Interest Rate 12%(up to 36 months) 10% (up to 60 months) Administrative 1% 1% of the amount, if loan maturity is less than one year, and 2% of the amount, if loan maturity is more than one year Overdraft Amount , Interest Rate 24% an additional salary 18% two additional salaries Loan repayment insurance Monthly maintenance fee 0.002%(Silver) daily 0.004% (Gold) daily 0.50 for two additional salaries, and 1.00 for one additional salary, out of current account package 12

13 , after the expiration dat, after the expiration date Cash Cover Loan Amount Based on the deposited amount Interest Rate 2% Administrative 0.50% 1% of the amount, if loan maturity is less than one year, and 2% of the amount, if loan maturity is more than one year 13

14 13. MORTGAGE SECURED LOANS Mortgage Loans Amount 15, , Fixed Interest Rate 8.7%(without PPI) 8.3% (with PPI) Variable Interest Rate Loan repayment insurance Mortgage Insurance Administrative *6.2% + 6M Euribor (without PPI) 5.95% + 6M Euribor (with PPI) 0.03% (Silver) on monthly bases 0.06% (Gold) on monthly bases 0.010% on monthly bases 1.5% (monthly) 50% of remaining interest Renovation Loan Amount 15, , Fixed Interest Rate 10.6%(without PPI) 10.2% (with PPI) Variable Interest Rate Loan repayment insurance Mortgage Insurance Administrative *8.1% + 6M Euribor (without PPI) 7.9% + 6M Euribor (with PPI) 0.03% (Silver) on monthly bases 0.06% (Gold) on monthly bases 0.010% on monthly bases 1.5% amortized for the loan duration *Minimal variable interest rate shall be 7.5%, maximum 10% *Minimal variable interest rate shall be 9.5%, maximum 12% 50% of remaining interest Construction Loan Amount 15, , Fixed Interest Rate 10.6%(without PPI) 10.2% (with PPI) 14

15 Variable Interest Rate Loan repayment insurance Mortgage Insurance Administrative *8.1% + 6M Euribor (without PPI) 7.9% + 6M Euribor (with PPI) 0.03% (Silver) on monthly bases 0.06% (Gold) on monthly bases 0.010% on monthly bases 2% (monthly) 50% of remaining interest Land Loan Amount 15, , Fixed Interest Rate 13%(without PPI) 12.7% (with PPI) Loan repayment insurance Administrative 0.03% (Silver) on monthly bases 0.06% (Gold) on monthly bases 2% (monthly) 50% of remaining interest 15

16 Complains or comments? For any complain, please send SMS for free at 50223, contact the Contacting Center at , sent an to or send a letter in our mail address, Eqrem Çabej, No. 8, Prishtina, Kosovo, addressed to Client Service Department. Contact Center: web: info@raiffeisen-kosovo.com TI05/2015

Fees for businesses. EUR Currency. The price list has been updated on 14 May

Fees for businesses. EUR Currency. The price list has been updated on 14 May Fees for businesses EUR Currency The price list has been updated on 14 May 2015 www.raiffeisen-kosovo.com 038 222 222 1. CURRENT ACCOUNT Account Opening Minimum balance 50.00 Over the counter withdrawal