Price List for private customers

Transcription

1 Price List for private customers Danske Bank A/S Estonia branch Valid From: April 1st 2018 Accounts Cash Management Electronic channels Payments Payment Cards Loans Leasing Investment Mandatory funded pension Other Services This Price List applies to Customers of Danske Bank A/S Estonia branch. The Bank has the right to provide banking services to Customers who belong to the Danske Private Banking programme for prices that differ from the ones specified in the Price List. Customers can obtain information about this from Danske ebank or from the Bank. Starting from 3 October 2016, the existing agreements of private persons will be extended or new agreements will be entered into if the customer has joined the Danske Private Banking programme. Provision of services not listed in the Price List shall take place on agreement, i.e. subject to an agreed service fee. 1

2 Accounts 1. Account opening Opening the current account for customer in the Danske Private Banking target group Opening the escrow account Opening the deposit account Fee by the agreement by the agreement 2. Annual interest rates of current account balance Account balance in EUR Account balance in AUD, CAD, DKK, GBP, NOK, SEK Account balance in USD Account balance in other currencies quoted by Danske Bank 3. Current account administration fees Monthly fee for private customers 1,2 Monthly fee for non-resident private customers (excl. citizens of the member country of the European Economic Area or Switzerland) 1 Monthly fee for management of the balance of a closed current account for private customers 3 Monthly fee for management of the balance of a closed current account for nonresident private customers 3 Annual interest rate 0,01% 0,01% 0,01% 0% * Interest calculation is based on a 360-day year and the actual number of days in the month. Monthly interest will be transferred to the customer's current account on the last day of the calendar month. In case of non-residents interest is not paid. 1,50 EUR 2 per current account 200,00 EUR per current account 1 Fee is charged on the last day for current month. 2 Will not be applicable to the current account, which is related to one of the following credit products: home loan, mortgage loan, estate lease or state student loan. 3 Applied from the third month after the closure of the current account. Administration fee is not applicable to inheritance held in the bank. 4. Penalty for exceeding the account balance Default interest rate for exceeding the account balance 36 % per annum 5. The statement of account 1 Account statement through Danske ebank Account statement through Danske mbank Digitally confirmed statement Account statement issued in the Danske Business Centre Cash Management 3,00 EUR / page, min 1 Statements of current account about transactions performed more than 10 years ago are issued on terms and conditions agreed separately with the customer 1. Sweeping / Topping Sweeping or Topping agreement conclusion Monthly fee for Sweeping or Topping agreement 1 Amendment fee for changing of Sweeping or Topping agreement 2. Standing order Execution of a payment under standing order agreement According to payment fee via electronic channels for intra-bank payments, domestic payments, EU payments or foreign payment orders 1 Payments are executed according to payment fee via electronic channels for intra-bank payments or Danske Group Payment (Payer's and Payee's Account is held with Danske Bank A/S Estonia branch or Latvia branch or Lithuania branch). No monthly fee related to foreign currency exchange Electronic Channels 1. Danske ebank Agreement conclusion Administration Issuance of PIN Generator Unblocking of PIN Generator 2. Danske mbank Agreement conclusion Administration 3. Danske Telephone Bank Agreement conclusion Administration 4. Danske SMS notifications Agreement conclusion Administration Fee for SMS notification 1 2,00 EUR 2

3 Payments Outgoing payments 1. Intra - bank Payment Intra-bank Payment to own account Intra-bank Payment to another customer s account Submission channel Via electronic channels (excluding Danske Telephone Bank ) 0,16 EUR At Business Centres or via Danske Telephone bank 2. Payments in EUR Domestic Payment 1 EU Payment 2 Domestic Urgent Payment 3. Foreign Payment 3 Outgoing Payment with type of service fee is "shared" or "beneficiary" 4 Outgoing Payment with type of service fee is payment in full 5 Payee s bank fee for foreign payment with type of service fee payment in full 4,6 Via electronic channels (excluding Danske Telephone Bank ) 7,50 EUR Via electronic channels (excluding Danske Telephone Bank ) normal 6,50 EUR urgent 1 extra urgent 3 normal 6,50 EUR urgent 1 extra urgent 3 16,00 EUR 16,00 EUR At Business Centres or via Danske Telephone bank At Business Centres or via Danske Telephone bank normal urgent 18,50 EUR extra urgent 38,50 EUR normal urgent 18,50 EUR extra urgent 38,50 EUR 4. Danske Group Payment Danske Group Payment (transfer to another customer's account within Danske Bank Group) that complies with EU payment conditions Danske Group Payment with type of service fee is "shared" or "beneficiary" 4 (transfer to another customer s account within Danske Group) 7 Danske Group Payment with type of service fee is payment in full 5 (transfer to another customer s account within Danske Group) 7 Danske Group Payment (Payer's and Payee's Account is held with Danske Bank A/S Estonia branch or Latvia branch or Lithuania branch) Via electronic channels (excluding Danske Telephone Bank ) 6,50 EUR 22,50 EUR 26,00 EUR At Business Centres or via Danske Telephone bank Incoming payments Crediting of Intra-bank Payment Crediting of EU Payment Crediting of incoming payment in the currency of a member state of the European Economic Area. Type of service fee is shared or beneficiary 4 Crediting of Foreign Payment in other currency. Type of service fee is shared or beneficiary 4 Crediting of Foreign Payment. Type of service fee is payment in full 5 (the fee is not applied to the customers of the Bank) Crediting of Foreign Payment in euro without IBAN from a bank in a contracting state of the European Economic Area (the fee is not applied to the customers of the Bank) 5,75 EUR 6,50 EUR 12,78 EUR 6,39 EUR 1 The fee for a payment made at a Business Centre of the bank is applied to the execution of compulsory collections (collection orders issued by bailiffs, the tax authority and other entitled persons). 2 Payment service of the Bank to be initiated in euro (EUR) if the Payee s PSP and the Payer s PSP are situated in the European Economic Area and the Payment order contains the correct IBAN. This Payment service is only available as a normal payment and with the type of Service fee shared. 3 Foreign Payment is a Payment service of the Bank to be executed to the Payee`s PSP acting on behalf of the Payee, if the Payment order is given by the Payer to the Bank in Foreign currency or the Payment order is in euro (EUR) which does not comply with the conditions of the Danske Group payment, Domestic payment, Domestic urgent payment, EU payment, Intra-bank payment or Intracompany payment within Danske Group. Payments can be with fee option: 4 The type of Service fee "shared" means that the Payer must pay the Service fees charged by the Payer`s PSP for the payment and the Payee must pay the service fees charged by the Payee`s PSP. The type of Service fee "beneficiary" means that all PSPs` fees are deducted from the initial payment amount. The type of Service fee "beneficiary" is not permitted for payments within the EEA 5 The type of Service fee payment in full" means that all fees (for the Bank under this Price List, as well as additional correspondent bank and Payee s bank fees ) are payable by the Payer. The type of Service fee "payment in full" is not permitted for payments within the EEA. 6 Fixed fee (does not depend on Payee s bank actual fees), will be debited from the Payer s account separately 7 Bank applies this fee for normal, urgent and extra urgent payment 3

4 6. Other services related to payments Revocation of payment on the business day if the payment has not been transferred by the Bank - Domestic payment, EU Payment - Foreign Payment Revocation of payment if the payment has already been transferred by the Bank - Intra bank Payment - Domestic Payment, EU payment - Foreign Payment Amendment of payment if the payment has not been transferred by the Bank - Foreign Payment Amendment of payment if the payment has already been transferred by the Bank - Domestic Payment, EU Payment - Foreign Payment Query about a Domestic Payment, confirmation on the execution of a payment Query to a foreign bank, confirmation on the execution of a Foreign Payment Confirmation by the Bank of a completed payment order Issuance of a SWIFT copy of a completed payment performed within 6 months Issuance of a SWIFT copy of a completed payment, performed more than 6 months ago Additional service fee for an foreign payment in case the payee s IBAN or BIC is incorrect or not indicated Report of cancelled payments Additional fee for the payment order initiated through Private Banking relationship manager over the telephone on the basis of the Electronic Services agreement (fee added to the relevant service fee of the payment initiated in a Danske Business Centre) 2 + actual costs 2 + actual costs 2 + actual costs 2 + actual costs 2 + actual costs 3 + actual costs 2,30 EUR 4,00 EUR 4,00 EUR 0,20 EUR 6,00 EUR 7. E-invoice for Payer Submission of request to receive E-invoices Receipt of E-invoice Single payment of E-invoice (if the payment is made to Danske bank account) Single payment of E-invoice (if the payment is made to other bank's account) Submission of a printed version of E-invoice at a Danske Business Centre 8. E-invoice Automatic Payment Service Conclusion/termination of the agreement on automatic payment of E-invoice Automatic payment of E-invoice (if the payment is made to Danske bank account) Automatic payment of E-invoice (if the payment is made to other bank account) 0,16 EUR N/A 0,16 EUR N/A N/A Payment Cards 1. Debit cards Card issuance Card renewal (upon expiry) Closing/ Blocking the card Card replacement (applicable if card is lost/stolen/ damaged, if new PIN is issued, etc) Monthly administration fee for payment card Default interest rate An inquiry and PIN code change at ATMs Card delivery Urgent order of card and delivery by courier to customer: - in Tallinn Business Centre (up to 1 business day) - in Estonia (up to 1 business day) - in foreign country (up to 3 business day) Card delivery by regular post Cash withdrawal At Danske Bank s ATMs in Estonia up to in a month over in a month At ATMs of other banks in Estonia and from all ATMs abroad At cash desks of other banks Cash deposit Cash deposit in Danske Bank ATM s Fee for changing cards operation limits: Via Danske ebank At Danske Business Centre Fees for obtaining payment documents, etc. Debit MasterCard 2,00 EUR 2,00 EUR 36% per annum % of the exceeded amount 4

5 Obtaining a copy of payment document and/or management unfounded claim Other conditions Conversion fee, when transaction currency is not EUR 2. Credit Cards Card issuance Card renewal (upon expiry) Closing/ Blocking the card Card replacement (applicable if card is lost/stolen/ damaged, if new PIN is issued, etc) Credit card annual fee 1 An inquiry and PIN code change at ATMs Card delivery Urgent order of card and delivery by courier to customer: - in Tallinn Business Centre (up to 1 business day) - in Estonia (up to 1 business day) - in foreign country (up to 3 business day) Card delivery by regular post Cash withdrawal At Danske Bank s ATMs in Estonia At ATMs of other banks in Estonia and from all ATMs abroad At cash desks of other banks Fee for changing cards operation limits: Via Danske ebank At Danske Business Centre Fees for obtaining payment documents, etc. Obtaining a copy of payment document and/or management unfounded claim Other conditions Conversion fee, when transaction currency is not EUR Fine for illegal use of the card 2% MasterCard Platinum with Priority Pass and without travel insurance 3 5 2% 100,00 EUR Priority Pass card Card issuance/card renewal Blocking the card Card replacement Payment per person for one visit to the airport waiting hall 2 1 Annual card fee will be debited each year for the previous calendar year, on the 15th day of the same month the card was issued. If a Customer terminates the card validity before the end of its validity period, the annual card fee will be calculated according to the actual card usage time during the last year. 3. Credit limit Agreement conclusion fee Amendment of agreement Credit limit unblocking Fee for the payment initiated from the card account Cost of recovering debt arising from limit agreement: - debt notification - debt notification following expiry of limit agreement - forwarding of notice via bailiff up to 1% of increased credit limit, min the fee for the relevant payment + 2% from the transferred amount of the credit limit 1 customer compensates actual costs incurred by bank in full 5

6 Loans Home loan Conclusion of agreement Amendment of interest period or the type of base interest Amendment of the terms and conditions of the agreement (excl. amendment of interest period or the type of base interest, grace period), incl. amendment of the term of the loan, replacement of the collateral Granting of the grace period in the repayment of the loan principal Fee for a loan guarantee to KredEx (in case of the Home loan guaranteed by KredEx) Mortgage loan Conclusion of agreement Amendment of interest period or the type of base interest Amendment of the terms and conditions of the agreement (excl. amendment of interest period or the type of base interest, grace period), incl. amendment of the term of the loan, replacement of the collateral Granting of the grace period in the repayment of the loan principal State student loan Conclusion of agreement Changing of the terms of the agreement Changing of the repayment schedule Overdraft Conclusion of agreement Changing of agreement Extension of agreement Premature termination of agreement Interest rate Cost of recovering debt arising from loan agreement Debt notification First debt notification following expiry of loan agreement - debt up to 500 EUR - debt up to 1000 EUR - debt over 1000 EUR Forwarding of notice via bailiff up to 1% of the loan amount, min 200,00 EUR min 12 + expenses incurred by the Bank due to the amendment up to 1% of the outstanding principal loan amount, min 12 60,00 EUR 3% of the guarantee amount up to 1% of the loan amount, min 2 min 12+ expenses incurred by the Bank due to the amendment up to 1% of the outstanding principal loan amount, min 12 60,00 EUR 2,56 EUR 6,39 EUR 6,39 EUR 1% of the limit, min up to 1% of the limit, min up to 1% of the limit, min 18% per annum on the used part of the limit 1 2 customer compensates actual costs incurred by bank in full Leasing Lease agreement (except real estate lease) fees Finance lease Operating lease Amendment of the terms and conditions of the car lease agreement Formalising of an unscheduled additional repayment, reduction or extension of the repayment period 2 Granting of a grace period 2 Amendment of the type of the repayment schedule or the repayment date 2 Amendment of the interest rate 2 Re-formalisation of the operating lease agreement into a finance lease agreement Early termination of the finance lease agreement Early termination of the operating lease agreement 1 starting from 1% of the value of the asset, min 17 starting from 1% of the value of the asset, min ,00 EUR 30,00 EUR up to 1% of the outstanding amount, min 68,00 EUR 12 fee equal to the lease payments for 2 months Amendment of the terms and conditions of real estate lease agreement Increasing of the amount Granting of a grace period in connection with child birth Amendment of the type of the repayment schedule or the payment date Amendment of other terms and conditions of the agreement incl. amendment of the interest rate, amendment of the term of the loan, release and replacement of the collateral, granting of a grace period Formalising of an unscheduled additional repayment Early termination of the agreement starting from 1% of the amount which will be increased, min 200,00 EUR up to 1% of the outstanding lease amount, min 12 1% of the repayment amount, min 200,00 EUR, if the agreement has been concluded from Agreements concluded before and terminated by covenanted notification, interest rate of one month Cost of recovering debt arising from leasing agreement Debt notification First debt notification following expiry of loan agreement - debt up to 500 EUR - debt up to 1000 EUR - debt over 1000 EUR Forwarding of notice via bailiff 1 2 customer compensates actual costs incurred by bank in full 6

7 Other service fees Ordering a notarial transcript of an agreement 1 Delayed payment of taxes (incl. land tax, heavy vehicle tax), overdue claims and unpaid penalties for breach of law while using the Asset 1 An unattested proxy for using the vehicle - for the first time (registration of vehicle) - additional copy 1 Ordering of a notarised power of attorney for using the vehicle (a proxy required in crossing the border, in English, in Estonian or in Russian) 1 - urgent order (if possible within 24 h) 1 An authorization document to the Traffic Register needed for ordering a duplicate of the registration certificate 1 An authorization document to the Traffic Register needed for the replacement of the registration certificate (incl. replacement of the number plate, amendment of the user s data or another proceeding in the Traffic Register) 1 + the notary fee 2 + actual costs + the notary fee 40,00 EUR + the notary fee + the notary fee (if attested by the Notary Public) An authorization document to the Traffic Register needed for the registration of the vehicle in the name of the bank/in the name of a new owner or for deleting the vehicle from the register (an insured event). Formalization of Road Administration e-service transaction 1 Release of additional collateral (incl. suretyship) 2 Release of the vehicle from alienation ban or registered security in the Traffic Register 1 Confirmation of the bank/ formalizing certificates, confirmation letters 1 Payment of the expenses incurred by the bank due to the relocation of the vehicle 1 Transfer of the right of ownership to the bank due to the violation of the agreement actual costs 7 + actual collection expenses Interest rate calculated on insurance payments 8% per annum 1 VAT will be added to the price of service fees pursuant to the Value Added Tax Act. 2 VAT will be added to the above fees pursuant to the Value Added Tax Act, if the agreement has been concluded before Investment 1. Opening, closing and transfer of a custody account Opening and closing of an intra-bank custody account Opening of an owner account with the Nasdaq CSD Transfer of the owner account with the Nasdaq CSD to another custodian Closing of an owner account and with the Nasdaq CSD 1 2. Purchase/sale of Financial Instruments (fee is calculated in percentage of transaction value 1 ) Nasdaq Vilnius stock exchange (currency euro (EUR)) Purchase / sale 0,2%, min Nasdaq Riga stock exchange (currency - euro (EUR)) Purchase /sale Nasdaq Tallinn stock exchange (currency - euro (EUR)) Purchase /sale 0,2%, min 0,2%, min Australia, Australian SE (AUD); Hong Kong, Hong Kong SE (HKD); Japan, Tokyo SE (JPY); Mexica, Mexican SE (MXN); New Zealand, New Zealand SE (NZD); Singapore, Singapore SE (SGD); The Republic of South Africa, Johannesburg SE (ZAR) Purchase / sale Austria, Vienna SE (EUR); Belgium, Brussels SE (EUR); Canada, Toronto SE (CAD); Czech Republic, Prague SE (CZK); Denmark, Nasdaq Copenhagen (DKK); Finland, Nasdaq Helsinki (EUR); France, Euronext Paris (EUR); Germany, XETRA (EUR); Great Britain stock exchange (GBP); Hungary, Budapest SE (HUF); Ireland, Irish SE (EUR); Spain, Madrid SE (EUR); Italy, Milan SE (EUR); Netherlands, Euronext Amsterdam (EUR); Norway, Oslo SE (NOK); Poland, Warsaw SE (PLN); Portugal, Lisbon SE (EUR); Sweden, Nasdaq Stockholm (SEK); Switzerland, SIX Swiss Exchange (CHF); United States of America, NYSE (USD) Purchase / sale Stamp tax is charged off additionally to the above listed fees when purchasing financial instruments on Great Britain stock exchange in British pounds (GBP) 0,4%, min 50,00EUR 0,25%, min 32,00 EUR 0,50% Stamp tax is charged off additionally to the above listed fees when purchasing shares on Ireland stock exchange Financial tax is charged off additionally to the above listed fees when purchasing financial instruments on Italy stock exchange Financial tax is charged off additionally to the above listed fees when purchasing financial instruments on France stock exchange 3. Purchase/sale/switch of investment fund units Investment fund units distributed by the Bank 1,00% 0,10% 0,30% according to the rates established in the documents of the relevant investment funds 7

8 4. Monthly administration of custody account 1,2,3 Administration of Estonian, Latvian and Lithuanian financial instruments held in the Nasdaq CSD owner account Fee for owner account opened in Nasdaq CSD 4 Empty owner account with the Nasdaq CSD Minimum fee (fee is not charged if there are no financial instruments holdings on custody account during the month) 0.003% per month, min 0.92 EUR, max 4,00 EUR 0,92 EUR Administration of financial instruments held in the account with Bank (on intra-bank custody account) Shares and bonds registered in Estonia, Latvia and Lithuania 0,92 EUR Shares and bonds registered in Estonia up to ,00 EUR from ,01 EUR Shares and bonds registered in Latvia up to ,00 EUR from ,01 EUR Shares and bonds registered in Lithuania up to ,00 EUR from ,01 EUR Shares and bonds registered in other countries Minimum fee for administration of financial instruments (fee is not charged if there are no financial instruments holdings on securities account during the month) Shares and bonds registered in Russia and Ukraine shares bonds 0,003% 0,003% 1,92 EUR 0,07% 0,07% Shares and bonds registered in Australia, Austria, Belgium, Canada, Denmark, Finland, France, Germany, Great Britain, Greece, Hong Kong, Ireland, Italy, Japan, Netherlands, Norway, New Zealand, Portugal, Singapore, Spain, Sweden, Switzerland, United States of America and eurobonds shares bonds shares bonds Shares and bonds registered in Bosnia, Bulgaria, Cyprus, Croatia, Czech Republic, Hungary, Iceland, Israel, Poland, Romania, Serbia, Slovakia, Slovenia, The Republic of South Africa, Turkey and in other countries 0,03% 0,03% Investment funds Danske Invest funds distributed by the Danske Bank Group 5. Financial instruments transactions Transfer of financial instruments registered in the Nasdaq CSD Purchase-sale without payment (FOP) Purchase-sale against payment (DVP) Subscription to a new issue 5 Registration of a pledge transaction, release and amendment of a pledge Transfer of pledged financial instruments Application for inheriting units of voluntary pension fund (redemption or transfer) Subscription / redemption of voluntary pension fund Switch of the voluntary pension fund Redemption of voluntary pension fund units for the conclusion of the supplementary funded pension insurance contract Transactions in instruments traded in foreign markets Polish, Czech, Hungarian and Russian securities Transactions with the counterparty, who has no custody account with Danske Bank A/S Estonia branch Financial instruments of other countries Transactions with the counterparty, who has no custody account with Danske Bank A/S Estonia branch Other transactions Branch internal transaction Registration of financial instruments pledge Cancellation of an order 6. Reports Annual statement - via ebank - in the Danske Business Centre 3 Monthly report 6 - via ebank - by - in the Danske Business Centre 3 6,00 EUR 1,60 EUR 32,00 EUR + foreign depository fees 20 EUR + foreign depository fees; 6,50 EUR same as the service fee for the respective transaction 8

9 7. Corporate events Corporate events on dividend/interest income 3 Application for a more favourable income tax rate on dividends/interest income 3 The financial instruments transaction based on a corporate action notification (fee applies for investors participating in voluntary corporate actions of foreign companies) Mandatory funded pension to be agreed with the Bank to be agreed with the Bank 0,1% of sum + 6,50 EUR, max 500,00 EUR 1 The minimum amount of the fee is calculated in the currency of the transaction in accordance with the official exchange rate announced by the European central bank on transaction execution day. 2 Fee is charged from average value of financial instruments held in custody account during month (for bonds from nominal value, for shares from market value) 3 VAT will be added to the service fee pursuant to the Value Added Tax Act. 4 An additional fee may be added to the transaction pursuant to the offering documents of the respective instruments 5 If both listed and unlisted financial instruments are kept in the same custody account, the custody account is classified as a listed custody account. 6 Shall be sent by customer s request. Funded pension selection application Application for exchanging the funded pension fund units Application for redemption or transfer of pension fund units to the successor s pension account Other Services Certificates Certificates requiring special solutions Mailing of documents domestically Mailing of documents abroad Forwarding of documents with the courier Additional copies of documents (per page) Printout and printouts verification of orders Issue of copy of recorded document (older than 1 month) Depositing of funds on an escrow account Examination of documents: - primary handling fee - repeated handling fee 22,00 EUR 30,00 EUR 2,00 EUR according to actual costs 2,30 EUR per document by agreement 30,00 EUR/ hour, min 30,00 EUR 9