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 If no prior notice is given an additional fee will be payable on the amount withdrawn.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 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 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 GENERAL FEES PACKAGES Type of fee Amount Conditions Administration acount Complete 24/7 package Administration acount Basic 24/7 package RON EUR/USD/GBP 4 1 The fee is perceived monthly. The packages can be open only in RON or EUR. Opening standard current account Opening classic deposit account Minimum amount for opening - RON 2000/ EUR 1000; maturities - 3 months, 6 months, 12 months. ACCOUNTS Opening savings account Opening/ Modifying ESCROW account Current account administration (additional account) 0.10%, minimum RON 100 RON 3/ month 0.10%, minimum EUR 25/USD 25 / GBP 25 EUR 0.75% /USD 0.75/ GBP 0.75/ month Account administration (deposit/good execution guarantee/cash collateral/ bank guarantees/credit line account) Savings account administration RON 1 EUR 0.25 Closure of account, by client request Closure of dormant savings account Maximum RON 35 Maximum EUR 10 Closure of savings account, by client request Maximum RON 35 Maximum EUR 10 Minimum amount for opening - RON 500/ EUR 100. Depending on the balance of the account. Applies when ending the business relation with the bank, if the client does not want to withdraw the amount. Sent monthly via / post. Applies to all accounts. Issuance of account statement EUR 6/ USD 6/ RON 25 Per account statement, at desk. GBP 5 RON 7/modified RON 7/modified Modifying the authorised persons client client Info Encashments Applies to all accounts.

4 CASH TRANSACTION AT COUNTER* DEPOSITS Type of fee Cash deposits banknotes RON 0.50%, minimum RON 15 Amount EUR Conditions For deposits over EUR 150,000 / LEI 500,000, the bank reserves the right to charge an additional fee or to reject such deposits. Coin deposits +6% - Of the total value in coins. WITHDRAWALS Cash withdrawal from standard current account, Basic 24/7, Complete 24/7, savings account Cash withdrawal from term deposits Cash withdrawal without notice (current accounts and saving accounts) Not-honoured cash withdrawal notice (current accounts and saving accounts) 0.80% 0.60% Standard fee for withdrawal from current account is applicable. standard fee +0.30% 0.25% Minimum RON 15 (RON 100 for garnished account)/ EUR 2 Any cash withdrawal > EUR 5,000 or equivalent requires 2 (two) days prior notice. Of the amount which was not withdrawn (totally or partially). Cash withdrawal in preferred banknotes +0.50% 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 RON 35 RON 55 Inside the county residence(includes VAT). Outside the county residence (includes VAT). Cash deposit in the client's account (banknotes) Cash deposit in the client's account (coins) 2% Cash withdrawal from the client's account 0,4% From the withdrawn amount. From the total amount deposed in coins. No exchange currencies are accepted in coins.

5 TRANSFERS Type of fee Amount At counter Internet Banking Conditions NATIONAL Interbank payments < RON RON 15/ RON 50 for garnished account amounts 50,000 RON 15/ RON 50 for garnished account urgent RON 2 RON 8 Available for payment via standing order. Valid for payments between 2 ProCredit Intrabank payment in RON Any amount RON 15 Bank clients or between the accounts of the same client. Intrabank encashment Interbank encashment Any amount Payment cancellation RON 50 RON 50 Payment recovery RON 50 RON 50 Available also for good execution account/ escrow account. 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. Inquiry RON 5 RON 5 Fixed/inquiry. Refusal notice RON 5 RON 5 Fixed/ refusal. Issuance of promissory note RON 0.40/file - Promissory note payment RON 3.5 RON 3.5 Payment rejection of promissory note/bill of exchange RON 75 - Per rejected instrument.

6 TRANSFERS Type of fee Amount Conditions At counter EUR USD GBP Internet Banking At counter Internet Banking At counter Internet Banking International payment (EU) Any amount, SHARE Urgent payments, SHARE Any amount, SHARE/BEN. INTERNATIONAL International payment (NON EU) Urgent payments, SHARE/ BEN Any amount, OUR Urgent payments, OUR. SWIFT fee International encashments Intrabank payments 24 Free of charge 24 Free of charge 18 Free of charge Payments between 2 ProCredit Bank clients. PROPAY * EUR 2.5 /equivalent SWIFT included. Service available for EUR/ USD. * 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.

7 TRANSFERS Type of fee Amount Conditions Rejection notice EUR 5/equivalent Payment recovery EUR 100/ equivalent After the SWIFT execution, with the beneficiary's approval. Issue of SWIFT copy, on request RON 2 The fee includes transmission via . INTERNATIONAL Payment change EUR 25/ equivalent Inquiries EUR 25/equivalent Payment cancellation EUR 25/equivalent With the bank's approval, in the same day in which the payment was ordered, until the SWIFT execution. With beneficiary approval, after the moment of debiting the account. Only with the bank's approval, in the same day in which the payment was ordered, until the SWIFT execution. Corresponding banks Encashment repairs/correction EUR 5/equivalent

8 DEBIT CARDS Type of fee Amount Conditions RON EUR Cash deposits in ProCredit Bank terminals According to the instructions on the terminals. For cards within a package, at ProCredit Bank ATMs. Cash withdrawal at ATM 1% + RON % + EUR 2.50 Other ATMs in Romania. 1% + EUR % + EUR 2.50 For ATMs abroad. TRANSACTIONS Commercial payments RON 0.50 / inquiry EUR 0.10 / inquiry ATMs in Romania. Balance inquiry at ATM RON 1.20 / inquiry EUR 0.50 / inquiry ATMs abroad. Mini Statement ATM ProCredit Bank ATMs. Cash down payment for POS 1% + RON % + EUR % + EUR % + EUR 2.50 ProCredit Bank cards at other banks in Romania. ProCredit Bank cards at other banks abroad. Payments inquiries EUR/equivalent 10 EUR 10 Per transaction.

9 DEBIT CARDS Type of fee Amount Conditions RON EUR Card issuance Package main card maintenance Package additional card maintenance RON 3/card EUR 0.5/card The fee is perceived monthly. LIMITS, ISSUANCE AND MAINTENANCE Card blocking RON 5/card EUR 1/card Card renewal upon expiry Card renewal before expiry RON 10/card EUR 3/card Card transmission in other outlet RON 35/card EUR 8/card PIN change at ATM At ProCredit Bank ATMs. Daily cash withdrawal limit at ATM per card RON 5,000 EUR 1,000 Daily transactions limit for cash withdrawal at ATM 10 transactions 10 transactions Limits change With prior approval of the bank. Withdrawal inquiry at ProCredit Bank ATM Main/additional card.

10 OTHER FEES Type of fee Amount Conditions Other letters issued by the bank RON 50/equivalent Fixed (includes VAT). INTERNET BANKING Internet Banking service activation Internet Banking administration Issue token Token replace RON 60 Issue additional token RON 60

11 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 Land + building (commercial, offices) Land in rural area Agro-industrial constructions Holiday inns RON 700. RON 1,000. Hotels RON 1,300. Specialised properties (commercial centres, malls, etc.) RON 1,900. Movable goods (equipment) RON 600/item*. Movable goods - vehicles (including tractors, harvesters) RON 425/item*. 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) 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.

12 CONDITIONED/DOCUMENTARY PAYMENT ORDER Endorsement of conditioned/documentary received payment order 0.15% Minimum EUR 10/equivalent, maximum EUR 750/equivalent. Issuance of conditioned payment order For loan refinancing. Issuance of documentary payment order EUR 25/equivalent For commercial conditioned payment orders. Payment of conditioned/ documentary payment order Amendment/Cancellation/Inquiry 0.15% EUR 15/equivalent Minimum EUR 10/equivalent, maximum EUR 750/equivalent. 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 9/equivalent per message will be taken. For services that implies courier taxes, fee will be RON 20 for mail or EUR 50 for courier (fee collected at receiving the order; VAT included).

13 CUT OFF TIME LIMITS Payment orders received in front office Amount Receiving hours Clearing Intrabank transfers in RON 09:00-16:30 Intrabank transfers in other currencies FX on account Any amount 09:00-17:00 In real time. National interbank transfers < RON 50,000 09:00-16:30 Latest the next banking day. 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 09:00-16:00 Account debited on the same banking day. Urgent international transfers in EUR/ USD/ GBP ProPay transfers Any amount 09:00-11:00 09:00-12:00 12:00-16:00 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.

14 CUT OFF TIME LIMITS 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.

15 CUT OFF TIME LIMITS Payment orders via Plus Amount Processing hours Clearing Intrabank transfers in the same currency Any amount Any amount Anytime, except (Monday-Friday) Anytime, except (Saturday-Sunday) In real time. In real time. < RON 50,000 09:00-17:00 Latest on the next banking day. National interbank transfers in RON > RON 50,000 09:00-15:00 after 15:00 Processing and clearing on the current banking day. Processing and clearing on the next banking day. Urgent national interbank transfers in RON < RON 50,000 09:00-15:00 Processing and clearing on the current banking day. National interbank transfers in EUR/ USD/ GBP Any amount 09:00-16:00 International transfers in EUR/USD/GBP Any amount 09:00-16:00 Account debited on the same banking day. Urgent international transfers in EUR/ USD/GBP Any amount 09:00-11:00 Any amount Account debited on the same day as the currency date (with bank approval). Currency exchage Maximum EUR 15,000/USD 15,000/ GBP 15,000 09:00-17:00 Currency exchage at special rates EUR 10,000/USD 10,000/GBP 10,000 09:00-17:00 (Monday - Friday)

16 ProCredit Bank, February 2017, Romania