Charges for private customers

Transcription

1 S.A. under Spanish law Succursale en Belgique Avenue des Arts 43 B-1040 Bruxelles TVA BE Charges for private customers Prices in force on: January 1, CHECKING ACCOUNT 1.1. Account maintenance fees Average balance above 2,000 (1) Average balance below 2,000 (1) Basic banking service: see book VII (title 3, chapter 8 Service bancaire de base ) of the Code of economic law and AR 09/07/ Transaction fees Standard SEPA transfer* (1) Non-standard SEPA transfer Urgent same- SEPA transfer D Check (1) Transfer/Check cancellation Cash withdrawal: Less than 250 More than 250 Foreign currency withdrawal on a foreign currency account 1.3. Credit card fees BANCONTACT/MAESTRO Card (per year) Card-stop fee (except declaration) ATM transaction - BBVA Belgium ATM transaction - other banks (1) Payment by card Search or appeal administration fee (3) VISA Visa Classic (*) Additional card Visa Gold (*) Additional card Card-stop fee (except declaration) Payment by card Temporary blocking fee PIN unblocking fee ATM withdrawal, EU ATM withdrawal, outside EU Manual withdrawal, EU Manual withdrawal, outside EU Search or appeal administration fee (3) % % % % (*) Transfer in Euros received from or sent to an EU member country or Norway, Iceland, Switzerland, Monaco, Liechtenstein with mandatory IBAN and BIC and shared costs Min. 5 USD max. 300 USD of the foreign currency amount Charged pro-rata the first year (*) Debited directly by VISA Min Min Min Min Correspondence fees Made available (1) In Belgium Abroad /month 1.00/mailing 2.50/mailing 1

2 1.5. BBVANET Internet Banking SEPA transfers Standing orders Own account transfers /Foreign currencies Other transfers Duplicate code card 1.6. Life insurance Per account open See point Lending rates (annual rates) Euro accounts: unauthorized overdraft Foreign currency accounts unauthorized debit balance (except contract) 1.8. Value Date Date from which interest begins/stops accruing Cash transaction Electronic transactions* 1.9. Other account transactions Other transfers -Other international transfers in Euros B = Swift D+2 D+1 D+0 C = 2 VAT D = Correspondant fee if applicable Corresponding fixed fee for transfers at no cost to the recipient -Transfers and check collections in foreign currency (equivalent fee in Euros) B = Swift D+2 D+1 D+0 C = 2 VAT D = Correspondant fee if applicable Corresponding fixed fee for transfers at no cost to the recipient 12.10% 0.10% 0.20% Debited quarterly *If it is a transaction with currency exchange Issuing of bank check payable abroad B = 2 VAT C = Correspondant fee 0.20% 2

3 2.- REGULATED SAVINGS DEPOSIT ACCOUNT (ART. 21, 5 CIR 92) 2.1. Account maintenance fees 2.2. Transaction costs Mailing fees Made available (1) In Belgium Abroad /month 1.00/mailing 2.50/mailing 2.4. BBVANET See point Life insurance Per account open 2.6. Remuneration conditions 2.7. Value date 3.- TERM DEPOSIT AND OTHER INVESTMENTS. 4.- CREDIT OPERATIONS AND GUARANTIES 4.1. Mortgages in Belgium The prospectus prescribed by the book VII (title 4, chapter 2 Crédit hypothécaire ) of the Code of economic law and the applicable rates are available 4.2. Consumer credit The applicable rates are available 4.3. Overdraft facility 4.4. Guaranties - Rental guaranty fee cancellation Creation of "cash deposit" RG RG annual monitoring fee Act April 25, 2007 guaranty - First-demand guaranty fee - Calls on guaranties issued by the Bank Calls without legal proceedings Calls following legal proceedings % 3% All costs of the proceedings Min Min Min Min. 3

4 5.- STOCK MARKET TRANSACTIONS The prices related to financial instruments are available in our branches. 6.- INHERITANCE Inheritance MONITORING OF ACCOUNTS RECEIVABLES Notification letter Development of repayment plan Legal closure letter Liability position management fee 8.- MISCELLANEOUS Issue of bank check Cancellation of issue of bank check Unpaid check Opposition to check Audit management fee Issue of non-mandatory certificate / duplicate tax certificate Fiscal or judicial blocking Management fee for refusal of direct debit or standing order due to insufficient balance Historical account printout Coinage collection fee: - Up to 200 coins - Up to 500 coins - More than 500 coins (2) (2) (2) (2) (2) (2) /month (2) (2) (2) (2) Cash withdrawal > 50,000 Cost of search by accounting document or transaction: - Current year - Prior year - 2 years ago - Other Duplicate costs Fee for sending of statement by SWIFT Cost of sending by fax/ Recommended sending cost Other despatches (2) (2) (2) (2) (2) /copy (2) /copy (2) (2) (2) Current post office prices (1) Fees charged semi-annually (2) 2 VAT included (3) Search for credit or debit transactions (by visa card, debit card, ATM or other (e.g. retailer or service station)). 4

5 IMPORTANT NOTES: BBVA reserves the right to change its prices. Under the legal provisions, a new leaflet will be published and made available to the branches within the time limits provided by law. Handling of disputes: - Customer services of the bank: Avenue de Arts, 43 B-1040 Bruxelles. Online: bbvabe@bbva.com - Financial Ombudsman service: Ombudsfin asbl, North Gate II, Boulevard du Roi Albert II 8, bte 2, B-1000 Bruxelles. Online: ombudsman@ombudsfin.be 5