Price list Private individuals. Annex for the account opening contract/ issue and use of the card

Transcription

1 Price list Private individuals Annex for the account opening contract/ issue and use of the card

2 GENERAL RULES ACCOUNTS Cash withdrawals of over EUR 5,000 (or equivalent) require prior notice of 2 (two) working days. If no prior notice is given an additional fee will be payable on the amount withdrawn. The bank reserves the right to refuse the transaction if no prior notice is given. The Bank is legally obliged to transfer the income tax on interest earned directly to the State Budget. The Bank does not accept foreign currency deposits/withdrawals in coins. In order to open any type of term deposit account, the client must hold a current account in the respective currency. The bank does not pay interest on term deposit accounts closed before maturity. Standard interest rates offered by the Bank are valid for account balances of up to EUR 100,000 or equivalent per client. For any amount exceeding this ceiling, the Bank can set an individual interest rate level, which can be lower than the standard level. Interest rates can be changed by the bank for internal or market reasons. The changes will be displayed for customers no later than the enforcement date. Fees and commissions can be changed by the bank, and clients will be informed 2 months prior to their enforcement. Payments within the EU zone: in EUR / GBP / CHF or RON to member states of the European Union (including the European Economic Area); international payments ordered within the EU and EEA can only be processed with the SHARE option for payment of fees. Payments outside the EU zone: in USD, or in EUR/GBP/CHF or RON performed to all countries (including in Europe) which are not part of the EU/EEA area. The Bank s BIC (SWIFT) code is: MIROROBU. For balances in current accounts, savings accounts and deposit accounts, the Romanian Government guarantees an amount of EUR 100,000 or equivalent to every account holder through the Bank Deposit Guarantee Fund. Important! Accounts held at ProCredit Bank can be accessed at any of the Bank s branches or agencies, regardless of where they were opened, or through the Internet Banking service.

3 CURRENT ACCOUNTS Opening standard current account / good performance guarantee account Opening current account for agricultural client Opening account for underage holders (< 18 years) Good performance guarantee account maintenance Standard current account maintenance (taken on 27th of each month) Current account for agro client maintenance (taken on 27 of the month) RON 5/account RON 3, EUR/USD/GBP/ CHF 0.75 /month RON 10, EUR/USD/GBP/ CHF 0.75 /month Fixed, when opening each account in any currency For each account opened. Fixed fee for all current accounts. Savings account maintenance RON 1 / EUR 0.25 ESCROW account maintenance 0.10%, minimum RON Opening ESCROW account 50 /EUR 10 /USD 15 / GBP 10 /CHF %, minimum RON ESCROW account amendment 50 /EUR 10 /USD 15 / GBP 10 /CHF 15 Info Encashments fee RON 0.90/encashment Fixed, available for interbank, intrabank and international encashment in all currencies. Closure of account, by client request Closure of dormant savings account Closure of savings account Issuance of account statement Change of authorised persons on the account If the dormant account balance is lower than RON 35/EUR 10, an equivalent fee with the dormant account balance will be perceived Dormant account balance < RON 35/EUR 10 Fixed. RON 7/change

4 SAVINGS ACCOUNTS Type of product Minimum amount Period Classic TDA opening/maintenance Minimum amount for opnening - RON 2000 / EUR 1000; maturies of - 3 months, 6 months, 12 months. TDA Change of authorised persons on the account RON 7 / change Authorisations performed when opening the account are free of charge; applied for all TDA accounts. SA Savings account opening (''Total") Minimum amount for opening - RON 500 / EUR 100. Saving account maintenance ("Total") Change of authorized persons on the account RON 1/ EUR 0.25/ month RON 7 / change Applied for all accounts (active and dormant). Issuance of savings account statement

5 CASH TRANSACTION* DEPOSITS Cash deposits Coin deposits in RON 5.50% Used foreign currency deposits 15% For deposits over EUR/USD 150,000 / LEI 500,000, the bank reserves the right to charge an additional fee or to reject such deposits. Of the total value in coins, if the amount is > RON 50; foreign currency coins are not accepted. Only for RON; maximum amount for non-clients is RON 200. WITHDRAWALS Cash withdrawal in front office from standard current account, agro client current account, Basic 24/7, Complete 24/7 Cash withdrawal from savings account Cash withdrawal from term deposits 0.55% Minimum RON 5/ EUR 1.50 /USD % Minimum RON 2 /EUR 1 /USD 1. when in compliance with agreed conditions, otherwise standard fee is applicable. Cash withdrawal without notice +0.30% Not-honoured cash withdrawal notice Cash withdrawal in preferred banknotes 0.25% Available in first 5 days after maturity (included), if withdrawals are made in deposit currency, available banknotes, up to equivalent of EUR 10,000/TDA. Any cash withdrawal > EUR 5,000 or equivalent requires 2 (two) days prior notice. Of the amount which was not withdrawn (totally or partially),minimum RON 1/EUR/USD % Additionally applied for the entire withdrawn amount. * Cash withdrawals over EUR 5,000 (or equivalent)/day (including from TDAs at maturity) require 2 (two) working days prior notice; failure to give notice entails the payment of an additional fee on the entire amount withdrawn. CASH TRANSPORT SERVICE Cash transport service from/to the client's location Cash deposit in the client's account (banknotes) Cash deposit in the client's account (coins) Cash withdrawal from the client's account RON 35 Inside the county residence(includes VAT). RON 55 Outside the county residence (includes VAT). - 2% From the total amount deposed in coins. No exchange currencies are accepted in coins. 0,4% From the withdrawn amount.

6 TRANSFERS amount 500 RON 5 (P.O./P.N./B.ofE.) Interbank payments , RON 8 (P.O./P.N.) amounts 50,000 RON 18 (P.O./P.N.) urgent amounts 500 RON 6 Available for payment via standing order. NATIONAL Interbank for garnishment payments Intrabank payments in RON in front office , RON 12 amounts 50,000 RON 25 urgent RON 25 amounts 500 RON 1 amounts > 500 RON 3 Intrabank payment in foreign currency EUR/USD/GBP/CHF 2 Any amount. Intrabank encashment in any currency Interbank encashment Payment cancellation RON 50 Payment recovery RON 50 With bank approval, only on the same day as payment was ordered and before the time of debiting the account; also available for payments ordered via standing order. With beneficiary approval, after the moment of debiting the account. Rejection notice RON 5 Fixed/rejection. Issuance of promissory note RON 0.40/file Inquiry RON 5 Fixed/inquiry. Payment rejection of promissory note/bill of exchange RON 50 Per rejected instrument. P.O. = payment order P.N. = promissory note B.ofE. = bill of exchange

7 TRANSFERS amounts 12,500 EUR 12 /GBP 10/CHF 16 Payments 12,500*01 49,999* % amounts 50,000 urgent 0.15%, maximum EUR 750/ GBP 640/CHF 1, % minimum 30 EUR/25 GBP/36 CHF Also available for payments ordered via standing order. International encashment INTERNATIONAL IN UE ZONE Intrabank payments in foreign currency EUR/USD/GBP/CHF 2 Any amount. SWIFT fee EUR 9/ GBP 7/CHF 14 Rejection notice EUR/GBP/CHF 2 Payment changes EUR 20/ GBP 13/ CHF 28 Inquiries EUR/GBP 30, CHF 40 With bank approval, only on the same day as payment was ordered and before the time of debiting the account; also available for payments ordered via standing order. With beneficiary approval, after the moment of debiting the account. Payment cancellation EUR 25/GBP 17/CHF 40 Fixed. Payment recovery < EUR/GBP 50,000 EUR/GBP 75, CHF 100 EUR/GBP 50,000 EUR/GBP 100, CHF 140 Issue of SWIFT copy, on request RON 2 The fee includes transmission via fax. Encashment repairs/correction EUR 5/equivalent

8 TRANSFERS amounts 12,500 EUR 20/GBP/USD 17/CHF 27 12, , EUR 33/GBP/USD 27/CHF 40 Payments amounts 50,000 urgent 0.15% maximum EUR 750/ GBP 640 maximum USD 950/CHF 1, % minimum EUR 30/ GBP 25 Minimum USD 39/CHF 36 INTERNATIONAL IN NON-EU zone Encashment SWIFT fee EUR 9/USD 13/GBP 7/CHF 14 Rejection notice EUR/USD/GBP/CHF 2 Payments inquiry/changes Correspondent banks fee Payment cancellation EUR 20/ GBP 13/USD 26 / CHF 28 EUR 20/GBP 15 / USD 10 /CHF 28 EUR 25 /GBP 20/USD 30/ CHF 35 Charged separately for each payment and not included within the payment fee. Only for payment ordered with OUR option. Only with bank approval on the same day on which payment was ordered and before the moment of SWIFT execution. Payment recovery 50,000 EUR/GBP/USD 75/CHF ,000 EUR/GBP/USD 100/CHF 140 With beneficiary approval, after the moment of SWIFT execution. Issue of SWIFT copy, by request LEI 2 The fee includes transmission via fax. Encashment repairs/correction EUR/equivalent 5

9 DEBIT CARDS IN RON Cash deposits in bank terminals - where ProCredit Bank have such ATMs According to the instructions on the terminals. For cards within a package, at ProCredit Bank ATMs and Euronet ATMs. Cash withdrawal at ATM 0.2% ProCredit Bank ATMs and Euronet ATMs. 0.5% + RON 2.50 Other ATMs in Romania. TRANSACTIONS Commercial payments Balance inquiry at ATM 1% + EUR 2.50 For ATMs abroad. RON 0.50 Any ATM in Romania. RON 1.20 ATMs abroad. Mini Statement ATM RON 1 ProCredit Bank ATMs. Cash down payment for POS 0.5% + RON 2.50 ProCredit Bank cards at other banks abroad. 1% + EUR 2.50 ProCredit Bank cards at other banks abroad. Payments inquiries EUR/equivalent 10 Per transaction.

10 DEBIT CARDS IN RON Withdrawal inquiry at ProCredit Bank/ Euronet ATMs Main/additional card. LIMITS, ISSUANCE AND MAINTENANCE, TRANSACTIONS Card maintenance RON 18/year Card issuance RON/card 5 Main salary card issuance Secondary salary card issuance RON 5/card Card blocking RON/card 5 Card renewal upon expiry Card renewal before expiry Card transmission in other outlet Emergency card recovery from Euronet network RON 10/card RON 35/card Main/additional card. EUR 25/equivalent Available as of 30 August PIN change at ATM RON 3 Main/additional card at ProCredit Bank ATMs. Daily cash withdrawal limit at ATM per card Daily transactions limit for cash withdrawal at ATM Cash withdrawal limit per transactions/ value RON 5, transactions RON 2,000 At Euronet ATMs. Limits change RON 2/change For ATM, POS, with prior approval of the bank.

11 DEBIT CARDS IN EUR LIMITS, ISSUANCE AND MAINTENANCE, TRANSACTIONS ATM cash withdrawal ATM cash withdrawal Commercial payments Balance inquiry at ATM For cards within a package, at ProCredit Bank ATMs and Euronet ATMs. 0.2% ProCredit Bank ATMs and Euronet ATMs. 0.5% + EUR 2.50 Other ATMs in Romania. 1% + EUR 2.50 ATMs abroad. EUR 0.10 EUR 0.50 Any ATM in Romania. ATMs abroad. Mini Statement ATM EUR 0.20 ProCredit Bank ATMs. Cash down payment for POS 0.5% + EUR 1 ProCredit Bank cards at other banks in Romania. 1% + EUR 2.50 ProCredit Bank cards at banks abroad. Payment inquiry EUR 10 Per transaction. Card maintenance EUR/year 5 Main/additional card. Card issuance EUR/card 2.50 Main salary card issuance EUR 2 Secondary salary card issuance EUR/card 2.50 Card blocking EUR/card 1 In case of loss, theft (including in other ATMs). Card renewal upon expiry Card renewal before expiry EUR/card 3 Main/additional card. Card transmission in other outlet EUR/card 8 Limits change EUR 0.50 At ATM, POS, with prior bank approval. PIN change at ATM EUR 1 Main/additional card at ProCredit Bank ATMs. Emergency card recovery from Euronet network EUR /equivalent 25 Daily cash withdrawal limit at ATM per card EUR 1,000 Daily transactions limit for cash withdrawal at ATM per card 10 transactions

12 PACKAGES* Complete 24/7 Basic 24/7 Type of fee Amount ACCOUNTS Account opening Maintenance/month RON 4/EUR 1 RON 1.50/EUR 0.50 CARDS Main card maintenance Main card issuance Withdrawal from ProCredit Bank ATMs Service activation Service maintenance PROBANKING Interbank payments sume , sume 50,000 urgente RON 1 RON 14 Not included Intrabank payments/encashment * Fees not listed here are the standard ones.

13 OTHER FEES Account statement Monthly sent via /mail/front office. Letters issued by the bank in favor of APIA/FEADR Other letters issued by the bank RON 20/equivalent RON 50/equivalent Fixed (VAT included). Mail/courier services Supplier's cost + RON 1 VAT included; applicable only for Romania. CIP inquiry RON 5/inquiry Fixed (VAT included). CRB inquiry RON 15/inquiry Fixed (VAT included); applicable only for clients. Copy of archived documents RON 6/page Fixed (VAT included); applicable only for clients requesting documents older than one month. Exchange of banknotes For clients and non-clients, only up to RON 200.

14 GUARANTEE VALUATION FEES Type of asset for valuation Amount Block or mansion apartment RON 500. Land + household in residential area Commercial space at block groundfloor Land in urban area RON 700. Land + building (commercial, offices) Land in rural area Agro-industrial constructions Holiday inns RON 1,000. Hotels RON 1,300. Specialised properties (commercial centres, malls, etc.) RON 1,900. Movable goods (equipment) Reevaluations** up to 12 months (item with no changes compared with initial situation) Reevaluations** up to 12 months (item with changes compared with initial situation) RON 600/item*. 70% of the above fees. 80% of the above fees. * If there are several movable goods with same brand and characteristics, an additional fee of RON 50 will be added for each supplementary item. ** If the respective item was evaluated with an inspection, by an ANEVAR Expert, for a ProCredit Bank beneficiary within past 12 months.

15 PROPAY Type of fee Amount Condition International payments (Regardless of amount and currency, EUR or USD) International encashment Correspondent bank fees EUR 2.5/ equivalent (SWIFT included) Rejection notice EUR/USD 2 Service available for ProCredit group banking clients' (Romania, Serbia, Macedonia, Georgia, Bosnia & Herzegovina, Kosovo, Albania, Bulgaria, Moldova, Germany, Ukraine, Greece). The fee applies both for the payments done through Internet banking, as well for those done at the counter. CONDITIONED/DOCUMENTARY PAYMENT ORDER Endorsement of conditioned/documentary received payment order Issuance of conditioned/ documentary payment order Payment of conditioned/ documentary payment order 0.15% EUR/equivalent % Minimum EUR 10/equivalent, maximum EUR 750/equivalent. For loan refinancing. For commercial conditioned payment orders. Minimum EUR 10/equivalent, maximum EUR 750/equivalent. Amendment/Cancellation/Inquiry EUR/equivalent 15 GENERAL RULES RELATED TO CONDITIONED/DOCUMENTARY PAYMENT ORDERS Fees of correspondent banks are not included. For all documentary operations implying a SWIFT message, a fee of EUR/equivalent 9 per message will be taken. For services that implies courier taxes, fee will be RON 20 for mail and EUR 50 for courier (fee collected at receiving the order; VAT included).

16 INTERNET Banking Plus) ACTIVATION AND MAINTENANCE Token activation RON 30 First token/client. Starting with second token/client. Token replacement RON 60 In case of loss, theft or damage. Maintenance fee RON 3/month Fixed/client. Opening of current account via nking Opening of Classic TDA via Minimum amount: RON 2,000 / EUR 1,000. amounts 500 RON 3 NATIONAL TRANSFERS Interbank payments* , RON 4 amounts > 50,000 urgent Interbank payments/encashment RON 14 Payment investigation RON 5 Payment cancellation RON 50 Payment recovery RON 50 Rejection notice RON 5 Fixed/rejection. With bank approval, only on the same day on which payment was ordered and before the time the account is debited. After the account was debited with beneficiary approval. * Fees are applied for interbank payment at the front office for standing orders issued through ProB@nking Plus.

17 INTERNET Banking Plus) - international transfers IN EU ZONE amounts 12,500 EUR 10/GBP 8/CHF 14 Payments 12, , % amounts > 50, %, maximum EUR 750 / GBP 640 /CHF 1,000 Payment changes EUR 20/GBP 13/CHF 28 Payments can be ordered only with SHARE option. Inquiries EUR /GBP 29 /CHF 40 If applicable, only with bank's approval. With bank approval, on the same day on which Payment cancellation EUR 25/GBP 17/CHF 35 the payment was ordered and before the time of SWIFT execution. IN NON -EU ZONE amounts 12,500 EUR 18/GBP/USD 15/CHF 25 12, , EUR 30/GBP/USD 25/CHF 40 Payments Maximum EUR 750/GBP amounts > 50, % Maximum USD 950/ CHF 1,000 Payments changes / inquiries EUR 20/GBP 13/USD 26/ CHF 28 Correspondent bank fees EUR 20/GBP 15/USD 10/ CHF 28 Payment cancellation EUR 25 / USD 30/ GBP 20/ CHF 35 Only for payments ordered with OUR option. Only with bank approval, on the same day on which the payment was ordered and before the time of SWIFT execution. Other fees EU zone and/or NON-EU zone Urgent payments amounts 49, ST *+ EUR 20 /GBP 17 /USD 27/CHF 25 amounts > 50,000 ST* + EUR 50 /GBP 40 /USD 65/ CHF 60 SWIFT fee Charged separately for each payment and is EUR 9 /USD 13 /GBP 7 /CHF 14 not included within payment fee. Rejection notice EUR/GBP/CHF/RON/USD 2 Payment recovery < 50,000 EUR /USD/GBP 75 /CHF 100 With beneficiary approval, after the moment > 50,000 EUR/USD/GBP 100 /CHF 140 of SWIFT execution. Issue of SWIFT copy, on request RON 2 The fee includes transmission via fax. * ST = standard payment fee

18 CUT OFF TIME LIMITS Payment orders received in front office Intrabank transfers in RON Amount Receiving hours 09:00-16:30 Clearing Intrabank transfers in other currencies Any amount 09:00-17:00 In real time. FX on account FX in cash EUR/USD 10,000 09:00-17:00 < RON 50,000 09:00-16:30 Latest the next banking day. National interbank transfers RON 50,000 09:00-15:00 Within the current banking day. Urgent national interbank transfers < RON 50,000 09:00-14:30 Within the current banking day. International transfers in EUR/USD/ GBP/CHF Urgent international transfers in EUR/ USD/ GBP/CHF ProPay transfers Payment orders via Plus Intrabank transfers in the same value FX transfers FX at special exchange rate Any amount Amount Any amount Any amount Any amount Maximum EUR/USD/ GBP/CHF 15,000 EUR/ USD/GBP/CHF 10,000 09:00-16:00 09:00-11:00 09:00-12:00 12:00-16:00 Processing hours Any time, except between 20:00 and 00:30 (Monday - Friday). Any time, except between 18:00 and 00:30 (Saturday - Sunday). 09:00-17:00 (Monday - Sunday) 09:00-17:00 09:00-17:00 (Monday - Friday) Account debited on the same banking day. Account debited on same day as currency date (with bank approval). Account credited within the current banking day (with bank approval). Beneficiary account credited on the next banking day. Clearing In real time. In real time.

19 CUT OFF TIME LIMITS Payment orders via Plus Amount Processing hours Clearing < RON 50,000 09:00-17:00 Latest on the next banking day. National interbank transfers in RON Urgent national interbank transfers in RON National interbank transfers in EUR/ USD/ GBP/CHF International transfers in EUR/USD/ GBP/CHF 09:00-15:00 > RON 50,000 after 15:00 < RON 50,000 09:00-15:00 Any amount 09:00-16:00 Any amount 09:00-16:00 Processing and clearing on the current banking day. Processing and clearing on the next banking day. Processing and clearing on the current banking day. Account debited on the same banking day. Urgent international transfers in EUR/ USD/GBP/ CHF Any amount 09:00-11:00 Account debited on the same day as the currency date (with bank approval). Type of compensation Amount Hours Clearing PAID Receiving promissory notes for encashment Any amount 09:00-14:30 Processed on the same banking day. 14:30-17:00 Processed on the next banking day. Cash deposit for payment of promissory notes 09:00-16:30 On the day the instrument is debited, unless after the time limit. CONVENTION Receiving promissory notes for encashment Cash deposit for payment of promissory notes Any amount 09:00-15:30 Processed on the same banking day. 15:30-17:00 Processed on the next banking day. 09:00-16:45 On the day the instrument is debited, unless after the time limit. INTRABANK PROCESSING Cash deposit for payment of promissory notes Receiving promissory notes for encashment Any amount 09:00-17:00 On the day the instrument is debited, unless after the time limit. 09:00-12:30 Processed on the same banking day. 12:30-17:00 Processed on the next banking day.

20 ProCredit Bank, May 2016, Romania