FEE INFORMATION DOCUMENT for a payment service user an entrepreneur and a legal entity

Transcription

1 Annex 1 FEE INFORMATION DOCUMENT for a payment service user an entrepreneur and a legal entity Name of the payment service provider: Societe Generale Banka Srbija a.d. Beograd Name (package) of a payment account: Package Biznis Praktik Payment service user: Entrepreneur and legal entity from Retail division Department of Small companies and entrepreneurs Date: This document contains an informative fee information document for the most frequently used and most significant services linked to the said payment account (payment account package). The payment service provider may charge also the fees for services linked to the payment account which are not stated in this document, consisting only of fees for the most frequently used and most significant services linked to the said payment account. Information on all fees that the payment service provider charges to the payment service user an entrepreneur or a legal person is available in the Pricelist of fees and expenses of the Retail division Department of Small companies and entrepreneurs. A detailed description of the following services (the list of representative services) and additional explanations, if provided by the payment service provider, may be found at counters on the premises of the payment service provider and its website. The payment service provider shall submit those documents to the payment service user at its request and free of charge. SERVICE FEES (percentage of the amount of transaction and/or in the amount of money) 1 General services linked to the payment account 1.1 Payment account keeping package Biznis Praktik Within this payment account and/or a package of services, it shall be possible to use the following services: - Maintenance of current account in dinars; - Maintenance of current account in euros; - E-banking; 1 for entrepreneurs. Opening of payment account Maintenance of payment account Closing of payment account Monthly 595 RSD One off 600 RSD 1 1

2 - Debit cards issuing; - SMS with information on balance on current account in dinars; - Vocalia; - Mobilia; - Specially defined fees for execution of wire transfers in dinars in the Republic of Serbia. Note: The text below shows fees for the most frequently used and most significant services linked to this payment account and/or package of services that are charged, in addition to the fee for keeping the payment account, if the user agrees to establish these services, i.e. if it uses such services. At the request of a user, a payment service provider shall offer clear and unambiguous information on the fees for services included in this payment account, i.e. the package of services that are not shown below. 1.2 Electronic banking biznis e-banking establishing the service biznis e-banking using the service Hal E-Bank establishing the service Hal E-Bank using the service Monthly 350 RSD for one user Monthly RSD for up to two users 1.3 Mobile banking 2 Cashless payment transactions (except card-based transactions) 2.1 Cashless transfer of dinar funds in the Republic of Serbia At the counter of the payment service provider To a payment account of the same payment service provider (internal transfer) To other client s account To the same client s account, to the account of individual or to the Bank s account Urgent/instant payment order To other client s account To a payment account of another payment service provider (external transfer) To the same client s account, to the account of individual or to the Bank s account Transfers up to ,99 RSD until 13h after 13h 105 RSD 105 RSD 105 RSD 0,12%, min 150 RSD, max RSD 0,12%, min 175 RSD, max RSD 2

3 Urgent/instant payment order Instant transfer up to ,99 RSD By using electronic and/or mobile banking services To a payment account of the same payment service provider (internal transfer) Urgent transfers up to ,99 RSD until 13h Urgent transfers up to ,99 RSD after 13h To other client s account To the same client s account, to the account of individual or to the Bank s account Urgent/instant payment order To other client s account To a payment account of another payment service provider (external transfer) To the same client s account, to the account of individual or to the Bank s account Transfers up to ,99 RSD until 14h after 14h Urgent/instant payment order Transfers up to ,99 RSD until 14h after 14h 2.2 Cashless transfer of euro funds from FX-current account in euros At the counter of the payment service provider At the payment account in the Republic of Serbia Urgent payment order To other client s account To the same client s account with another bank To the same client s account with the Bank 105 RSD 0,12%, min 150 RSD, max RSD 0,12%, min 175 RSD, max RSD 20 RSD 20 RSD 45 RSD 0,09%, min 80 RSD, max RSD 0,09%, min 100 RSD, max RSD 45 RSD 0,09%, min 80 RSD, max RSD 0,09%, min 100 RSD, max RSD 0,5%, min RSD, max RSD 0,30%, min RSD, max RSD 3

4 At the payment account abroad Urgent payment order By using electronic and/or mobile banking services At the payment account in the Republic of Serbia Urgent payment order 0,5%, min RSD, max RSD To other client s account To the same client s account with another bank To the same client s account with the Bank At the payment account abroad Urgent payment order 2.3 The receipt of funds from abroad to the FX-current account in euros 2.4 Standing order Establishing and/or using services For executing a transaction To a payment account of the same payment service provider (internal transfer) To a payment account of another payment service provider (external transfer) 2.5 Direct debits Establishing and/or using services For executing a transaction To a payment account of the same payment service provider (internal transfer) To a payment account of another payment service provider (external transfer) 0,25%, min RSD, max RSD 0,30%, min RSD, max RSD 0,25%, min RSD, max RSD 3 Payment cards and cash 3.1 Debit card issuance Debit card issuance 4

5 Periodic membership fees for using a debit card 3.2 Debit card cash pay-outs Upon executed transaction In the country Abroad Credit card issuance Credit card issuance At the counter In SGS branches In other banks branches At ATM At SGS ATMs At the counter At ATM Periodic membership fees for using a credit card 3.4 Credit card payments at a merchant's point of sale Upon executed transaction In the country Abroad Annual nominal interest rate Annual effective interest rate Other fees 3.5 Credit card cash pay-outs Upon executed transaction At other banks ATMs + User s bill of exchange + Owner s bill of exchange + User s Credit Bureau for entrepreneur/legal entity + Owner s Credit Bureau Revolving repayment Charge repayment Revolving repayment Charge repayment 350 RSD per transaction 195 RSD per transaction 10 EUR per transaction 5 EUR per transaction 200 RSD 100 RSD 600 RSD/1.440 RSD 246 RSD Monthly 395 RSD Fix 27% simple calculation method Fix 0% simple calculation method From 41,78% to 42,50% 3 From 7,00% to 12,47% 4 2 For debit cards linked only to RSD account, fee form Pricelist is converted into RSD further to Central Bank official middle exchange rate on the payment date. 3 EIR is calculated on with card limit of ,00 RSD, with minimal repayment percentage of 10%. 4 EIR is calculated on with card limit of ,00 RSD, with minimal repayment percentage of 100%. 5

6 In the country Abroad 5 Annual nominal interest rate Annual effective interest rate Other fees At the counter At ATM At the counter At ATM Revolving repayment Charge repayment Revolving repayment Charge repayment 3.6 Cash pay-out from an account by submitting a pay-out order 3.7 Cash pay-in to an account by submitting a pay-in order 3% of transaction amount, minimum 3% of transaction amount, minimum 3% of transaction amount, minimum 3% of transaction amount, minimum Fix 27% simple calculation method Fix 0% simple calculation method From 41,78% to 42,50% 6 From 7,00% to 12,47% 7 From dinar account 0,5%, min 100 RSD 8 From foreign currency account 0,5%, min 700 RSD 9 Cash in dinars deposited on counter Cash in dinars deposited via Express cash service Cash in dinars deposited at cash-in machine Cash in foreign currency deposited on counter 4 Accepting payment instrument 4.1 Accepting payment cards at a point of sale Merchant fee At point of sale 0,12%, min 75 RSD 0,08%, min 200 RSD 5 In dinar counter value in accordance with selling exchange rate. 6 EIR is calculated on with card limit of ,00 RSD, with minimal repayment percentage of 10%. 7 EIR is calculated on with card limit of ,00 RSD, with minimal repayment percentage of 100%. 8 for entrepreneurs. 9 for entrepreneurs. 6

7 At internet point of sale Other fees A payment service provider is both the acquirer and the issuer of the card that is accepted An issuer of a card that is accepted is another payment service provider from the Republic of Serbia An issuer of a card that is accepted is a payment service provider from abroad A payment service provider is both the acquirer and the issuer of the card that is accepted An issuer of a card that is accepted is another payment service provider from the Republic of Serbia An issuer of a card that is accepted is a payment service provider from abroad 4.2 Accepting instant credit transfers at a point of sale A payment service provider the acquirer is both the issuer of the payment instrument for executing instant credit transfer that is accepted A payment instrument issuer for executing instant credit transfer that is accepted is another payment service provider 4.3 Accepting electronic money at a point of sale 5 Authorised overdraft facility Establishing and/or using the service Processing costs + User s bill of exchange + Owner s bill of exchange + User s Credit Bureau for entrepreneur/legal entity + Owner s Credit Bureau 0%-0,50% of overdraft amount 200 RSD 100 RSD 600 RSD/1.440 RSD 246 RSD 7

8 Annual nominal interest rate Fix, min 3,48%, max 21% simple calculation method Annual effective interest rate Min 4,25%, max 24,34% EIR is calculated on with overdraft amount of ,00 RSD included. 8