TERMS AND CONDITIONS FOR PRIVATE CLIENTS

Transcription

1 FOR PRIVATE CLIENTS

2 CONTENTS 1. BANKING S FULL PARTIAL CARDS... 5 VISA CLASSIC FLEXCARD TERM DEPOSITS AND SAVING ACCOUNTS... 6 TERM DEPOSITS... 6 SAVING ACCOUNTS FLEX SAVE... 6 SAVING ACCOUNTS FOR KIDS PROKID TRANSFERS IN FOREIGN CURRENCY... 7 DOMESTIC TRANSFERS... 7 INTERNATIONAL TRANSFERS... 7 PROPAY INTERNATIONAL TRANSFERS... 7 OTHER TRANSFERS TRANSACTIONS IN POINT OTHER S... 8 FOR CLIENTS WHO OPENED BANK ACCOUNTS BEFORE 1 JULY 2017: BANK ACCOUNTS... 9 CURRENT ACCOUNTS... 9 SAVINGS DEPOSITS... 9 TERM DEPOSITS... 9 PROBONUS SAVINGS PLAN ** E-BANKING WITH LIMITED ACCESS E-BANKING WITH LIMITED ACCESS TRANSFERS IN ALL DOMESTIC TRANSFERS CARDS DEBIT CARDS CREDIT CARDS CHEQUES PERSONAL CHEQUES... 12

3 1. BANKING S 1.1 FULL Currencies ALL EUR The service includes: Current Account Saving Account FlexSave Visa Classic Card Flex* for use in ATMs, POS, Internet E-Banking Service Your benefits from this service: 500/month 3.50/month Availability of funds Minimum initial deposit in Current Account/ Saving Account FlexSave SMS notification for transactions performed via cards at POS, on Internet, Outgoing International Transfer, Confirmation for negotiated foreign exchange Transfers between accounts held by the same customer Transfers between accounts held by different customers within the bank Every day None e-banking Outgoing domestic transfers in ALL (not urgent) Utility payments in favour of : Telecommunications Companies: Vodafone, T-Mobile, Plus, Eagle Mobile, Albtelecom, ABCom. Public Institutions: CEZ, Water Supply, Taxes with declaration, Other taxes, Social Insurance, Budget Account, Customs. Incoming Domestic Transfer in ALL Direct debit utility payments Printout Account Statement (in service point) Certificate for Embassy (in service point) Visa Classic Card issued for authorised person on the account ALL 2,000/year EUR 15/year Fee for closing account * Visa Classic Flex Card is provided in the following currencies: ALL and EUR. For any other service which is not listed under Full Service, please refer to the information below (points 2 to 6).

4 1.2 PARTIAL Currencies ALL EUR Service includes: Current Account Saving Account FlexSave in same currency as Current Account Visa Classic Card Flex* for use in ATMs and POS E-Banking Service Your benefits from this service: Funds are available for withdrawal from the current account 300/month Every day 2/month Minimum initial deposit in Current Account/ Saving Account FlexSave SMS notification for transactions performed via cards at POS, on Internet, Outgoing International Transfer, Confirmation for negotiated foreign exchange Transfers between accounts held by the same customer None Transfers between accounts held by different customers within the bank ALL 500 EUR 3.50 USD 3.50 e-banking Outgoing domestic transfers in ALL (not urgent) ALL 500 Utility Payments in favour of : Telecommunications Companies: Vodafone, T-Mobile, Plus, Eagle Mobile, Albtelecom, ABCom. Public Institutions: CEZ, Water Supply, Taxes with declaration, Other taxes, Social Insurance, Budget Account, Customs. ALL 500 EUR 3.50 USD 3.50 Incoming domestic transfer in ALL Direct debit utility payments N/A N/A N/A Printout Account Statement (in service point) Certificate for Embassy (in service point) Visa Classic Card issued for authorised person on the account ALL 2,000 /year EUR 15 /year N/A Fee for closing account * Visa Classic Flex Card is provided in the following currencies ALL and EUR. 1.3 Other accounts Additional Current Account from Full Service (clients will benefit all services above 1.1) ALL 150 /month EUR 1 /month USD 1 /month Additional Current Account from Partial Service (clients will benefit all services above 1.2) ALL 150 /month EUR 1 /month USD 1 /month For any other service which is not listed under Partial Service, please refer to the information below (points 2 to 6).

5 2. CARDS VISA CLASSIC FLEXCARD Card is provided in the following currencies Card validity Card issuance Daily limit on Internet and POS payments Withdrawals at ATM ProCredit Bank in 24/7 Zones and off-site ALL / EUR 5 years ALL 75,000 / EUR 500 (optional higher limit at client s request) ProCredit Bank Kosovo, Macedonia, Bosnia and Herzegovina EUR 1 Other banks in Albania ALL 150 EUR 1 Other banks abroad 2.25% (min. ALL 350 / EUR 3; max. ALL 850 / EUR 6.50) Daily limit on ATM transactions, POS payments and Internet ATM transaction limit in ProCredit Bank Albania 24/7 Zones 20 transactions Daily limit: ALL 200,000 / EUR 1,500 Weekly limit: ALL 1,000,000 / EUR 7,000 Daily limit on ATM off-site in ProCredit Bank Albania ALL 75,000 / EUR 500 Other Commissions ALL EUR Balance printout at ATM Printout of the last 12 account transactions Viewing the account balance at an ATM not operated by ProCredit Bank Albania PIN change at ATM ALL 100 EUR 1 PIN change at ATM not operated by ProCredit Bank Albania ALL 200 EUR 1.50 Payments at POS In Albania and ProCredit Bank Kosovo 0.5% of amount Purchases abroad and via Internet (min.100 ALL / 1 EUR) Application of the VISA CLASSIC FLEXCARD is mandatory to be performed at the time of opening a new current account.

6 3. TERM DEPOSITS AND SAVING ACCOUNTS TERM DEPOSITS Minimum initial deposit 500,000 5,000 5,000 Interest rate if closed before maturity * 10% 0% 0% Capitalisation of interest** SAVING ACCOUNTS FLEX SAVE Monthly. Interest is capitalised to current account every month. Funds are available for withdrawal from the savings account Monthly savings account maintenance fee Capitalisation of interest** SAVING ACCOUNTS FOR KIDS PROKID Every day Monthly. Interest capitalised to current account every month. Funds are available for withdrawal from the savings account Monthly savings account maintenance fee Capitalisation of interest** Every day Monthly. Interest capitalised to current account every month. * If a term deposit is closed before maturity, only 10% (in ALL) of total accrued interest is earned. The annual interest will be paid pro rata on a daily basis for the period that the funds were held in the account. Notice of withdrawal before maturity must be given two working days in advance. ** The interest rates are reflected in the Deposit Interest Rate Bulletin. Deposits in ProCredit Bank are insured by the Deposit Insurance Agency (DIA) up to ALL 2,500,000

7 4. TRANSFERS IN FOREIGN CURRENCY Transfers are performed only via the e-banking platform. DOMESTIC TRANSFERS a) Outgoing EUR USD b) Incoming EUR/USD Any amount Less than 25,000 25,000 or more Commission Share, Beneficiary Commission Our Normal EUR 15 EUR 30 Urgent EUR 25 EUR 40 Normal USD 15 USD 35 Urgent USD 25 USD 45 Normal USD 35 USD 55 Urgent USD 45 USD 65 With ProCredit Bank Germany intermediary INTERNATIONAL TRANSFERS a) Outgoing Commission Share, Beneficiary Commission Our EUR Any amount EUR 15 EUR 30 USD Less than 25,000 USD 15 USD 35 25,000 or more USD 35 USD 55 b) Incoming With ProCredit Bank Germany intermediary PROPAY INTERNATIONAL TRANSFERS PROPAY transfers are all transfers carried out within the ProCredit bank network (Albania, Germany, Kosovo, Macedonia, Bulgaria, Rumania, Bosnia & Herzegovina, Serbia, Georgia, Moldova, Ukraine). a) Outgoing EUR/USD 2.50 b) Incoming OTHER TRANSFERS Commission for transfer follow-up, change or cancelation EUR/USD 10 Commission for funds reversal of domestic transfer in ALL ALL 1,500 Commission for reversal of domestic or international transfer in foreign currency EUR/USD 20 Modification of incoming transfers ALL 1,000 / EUR 10 / USD 10 Other commissions Third-party costs (if any)

8 5. TRANSACTIONS IN POINT DEPOSITS IN POINT Deposits in banknotes / ALL 100* Deposits in coins 1% of transaction amount (MIN. ALL 500) (charged on amounts over ALL 10,000) WITHDRAWALS** IN POINT IN 24/7 ZONE; ATM For amounts ALL 500-1,000,000 ALL 500 For amounts EUR 10-7,000 EUR 5 For amounts up to USD 7,000 N/A For amounts: ALL 1,000,001 5,000,000 EUR 7,001 35,000 USD 7,001 25,000 For amounts over: ALL 5,000,000 / EUR 35,000 / USD 25,000 / Requires 1 working day prior notice / Requires 2 working day prior notice *Deposits made by clients who are account holders are free of charge. This commission includes all deposits performed by third parties (clients or non-clients).the following transactions are exempt from this commission: Payments of loan instalments by third parties/deposits by employees into the account of the company/deposits by family members for the purpose of saving. ** Withdrawals from account 6. OTHER S Special certificate Within 15 working days Acceptance of damaged banknotes (only ALL)* Enquiry into client s personal banking information (1 month or older) within 3 working days Intermediation for funds repayment to Bank of Albania** - for bond investments ALL 1,000 ALL 1, % of amount (min. ALL 1,500; max. ALL 5,000) Minimum Amount ALL 300,000 * Banknotes will be credited to account after positive evaluation by Bank of Albania. **ProCredit Bank offers client intermediation services only for the repayment of funds for bonds investments. The bank does not offer bond trading services, does not have a portfolio for clients sales and does not take part in auctions on behalf of clients.

9 FOR CLIENTS WHO OPENED BANK ACCOUNTS BEFORE 1 JULY 2017: 1. BANK ACCOUNTS CURRENT ACCOUNTS Funds are available for withdrawal from the current account Every day Monthly account maintenance fee, cards, e-banking SAVINGS DEPOSITS Funds are available for withdrawal from the current account Monthly account maintenance fee Withdrawals at ATM from saving account For more than 1 withdrawal in the same month ALL 100 / EUR 1 TERM DEPOSITS Interest rate if closed before maturity *** 0.1% 0% 0% PROBONUS SAVINGS PLAN ** Minimum initial deposit monthly (direct debit) 1, Monthly account maintenance fee *Saving account could be offered with debit card; Visa Electron or Maestro ** The ProBonus savings plan is linked to a savings account on which interest is paid as follows: 1. Fixed annual interest calculated over the daily account balance. 2. Bonus interest calculated at a fixed percentage of the bonus over the total amount accrued during each 12-month period. The ProBonus savings plan requires a fixed monthly amount to be transferred from the current account to the savings account via a standing order. ***If a term deposit is closed before maturity, the annual interest is paid pro rata on a daily basis for the period that the funds were held in the account. Notice of withdrawal before maturity must be given two working day in advance. Deposits in ProCredit Bank are insured by the Deposit Insurance Agency (DIA) up to ALL 2,500,

10 2. E-BANKING WITH LIMITED ACCESS E-BANKING WITH LIMITED ACCESS e-banking service with limited access Provision of information and execution of transactions with the same client Maintenance fee (quarterly) ALL TRANSFERS IN ALL DOMESTIC TRANSFERS IN ALL a) Outgoing less than 1,500,000 ALL 150 ALL 1,500,000 or more ALL 500 Urgent ALL 500 b) Incoming

11 4. CARDS DEBIT CARDS Debit cards for private individual clients Debit cards are provided in the following currencies Card validity VISA ELECTRON CARD / MAESTRO CARD ALL / EUR 3 years Card maintenance fee (every six months) ALL 350 / EUR 3 Card maintenance fee for salary receiver (every six months) Daily limit on Internet and POS payments with VISA ELECTRON card/ MAESTRO card ALL 75,000 / EUR 500 (optional limit on request) PIN change at ATM ALL 100 / EUR 1 Withdrawals at POS operated by other banks Withdrawals at ATM from saving account For more than 1 withdrawal in the same months 2.25% (min. ALL 350 / EUR 3; max. ALL 850 / EUR 6.50) ALL 100 / EUR 1 WITHDRAWALS AT ATMs ProCredit Bank at branches and off-site ProCredit Bank Kosovo, Macedonia, Bosnia and Herzegovina EUR 1 Other banks In Albania ALL 150 EUR 1 ATM at Veneto Bank and International Commercial Bank (ICB) ALL 50 Other banks abroad Daily limit with cards on ATM, POS and Internet Daily limit on ATM withdrawals in 24/7 Area and in ProCredit Bank Albania branches 2.25% (min. ALL 350 / EUR 3; max. ALL 850 / EUR 6.50) 20 transactions ALL 200,000 / EUR 1,500 Weekly Limit ALL 1,000,000 / EUR 7,000 Daily limit on non-procredit Bank Albania ATM ALL 7,000 / EUR 500 PAYMENTS AT POS In Albania and ProCredit Bank Kosovo, Macedonia, Bosnia and Herzegovina Purchases abroad and via Internet 0.5% of amount (min. ALL 100 / EUR 1)

12 CREDIT CARDS Credit cards available to private individual clients Currency Card validity VISA CLASSIC CARD / MASTER CARD ALL / EUR 2 years Annual fee ALL 2,000 / EUR 15 Commission for delayed payment of the monthly invoice (if later than the 15th of the following month) Daily limit on Internet and POS payments with Visa Classic/ Master Card 0.5% penalty per day on the unpaid amount (example: EUR 200 * 0.5% *3 days = EUR 3) Card approved limit Change of PIN for Master Card ALL 600 Withdrawal at POS operated by other banks, in Albania and abroad 2.75% (min. ALL 600 / EUR 5) WITHDRAWALS AT ATM ProCredit Bank at branches (24/7 Zone) and off-site 2% (min. ALL 600 / EUR 5) Daily Limit with cards at ATM, POS and on Internet 10 in total ProCredit Bank Kosovo, Macedonia, Bosnia and Herzegovina EUR 1 Other banks, in Albania and abroad 2.75% (min. ALL 600 / EUR 5) PAYMENTS AT POS In Albania and ProCredit Bank Kosovo, Macedonia, Bosnia and Herzegovina Purchases abroad and via Internet 1% of transaction amount 5. CHEQUES PERSONAL CHEQUES Cheque issued by ProCredit Bank presented to other banks 0.2% of amount (min. EUR 20; max. EUR/USD 150) * Starting from 1 June 2017, the cheque withdrawal service will no longer available to all ProCredit Bank clients. This service is limited to certain specific clients previously approved by the bank. A cheque book contains 10 cheques

13 ProCredit Bank sh.a (0) Last modification: 23 October 2017