TARIFF. Liberal Professions FEES AND COMMISSIONS TARIFF FOR LIBERAL PROFESSIONS. Societe Generale Expressbank. December 2013

Transcription

1 TARIFF Liberal Professions December 2013 FEES AND COMMISSIONS TARIFF FOR LIBERAL PROFESSIONS Societe Generale Expressbank

2 FEES AND COMMISSIONS TARIFF The present tariff presents the fees and commissions of Societe Generale Expressbank for liberal professions clients. The colour code will help you easily to go through the changes in our fees and commissions. With green are marked the services or the decreased fees With red are marked the increased fees We believe that the colour codes will make easier your navigation through our commercial offers. You can also find the Tariff on our website - 1

3 DAILY BANKING 3-5 Chapter One І. Current accounts ІІ. Company registration accounts ІІІ. Cash operations ІV. Payments V. Permanent orders VI. Direct debit orders VІI. POS Terminals VІІI. Cheques BUSINESS PACKAGES ALL IN 5 Chapter Two І. ALL IN Practice 5 BANK CARDS 6-7 Chapter Three I. International debit cards II. International credit cards III. Card Visuals Fee EXPERT PROGRAM Chapter Four І. Investment Credit ІІ. Credit Expert ІІІ. Overdraft ELECTRONIC BANKING -9 Chapter Five І. Internet Banking BankOn Web ІІ. Internet Banking SogeCash NET 9 GENERAL CONDITIONS 9 Chapter Six 2

4 DAILY BANKING Chapter One І. Current accounts 1. Account opening 2. Minimum balance 3. Maintenance fee 3.1. Maintenance fee, monthly 3.2.maintenance of account with lower than 50 monthly turnover, monthly, additionally* 4. Account closing EUR/USD EUR/USD 10 5 EUR/USD *Note: Current accounts with low turnover - accounts with monthly turnover 150 and balance below 50 II. Company registration accounts 1. Account opening and certificate issuance 2. Maintenance fee, monthly* 3. Account closing * 6 months after account opening 10 5 *Note: After the sixth month from account opening IІІ. Cash operations ІІІ.І. Cash deposit 1. Up to or equivalence 2. Over or equivalence, over the excess 3. Cash transfers 4. Cash deposit of funds from non-client to the account of a company which is a client of the Bank ІІІ.ІІ. Cash withdrawals 1. Up to or equivalence 2. Over or equivalence with prior notice, over the excess 3. Over or equivalence without prior notice, over the excess 4. Pre-noticed, but not withdrawn amounts over or equivalence, over the excess 5. Cash withdrawals in a branch different from the branch where the account is opened, additionally 0.15% (max % (min % from the total amount (min % (max % (max % (max ІІІ.ІІІ. Other cash services 1. Examination of banknotes, per banknote, + 20% VAT 2. Replacement of damaged banknotes and coins, + 20% VAT 3. Exchange of banknotes, + 20% VAT 4. Counting or exchange of coins, + 20% VAT % (min. 5 2% 4% 2% 4% ІV Payments ІV.І. Incoming transfers 1. Incoming transfers 2. Investigations and inquiries % (min 10, max for trasfers in foreign currency 3

5 ІV.ІІ. Outgoing transfers 1. Outgoing intrabank transfers 1.1. Transfer issued from teller's desk 1.2. transfer via SogeCash / SogeCash Net 1.3. transfer via BankOn Web 2. Outgoing interbank transfers 2.1. manual transaction, SWIFT charges included for currency transfers 2.2. transfer via SogeCash / SogeCash Net 2.3. RINGS transfers RINGS manual transfers RINGS electronic transfers 2.4. BankOn Web transfers 3. Outgoing transfers within the same branch of Societe Generale Expressbank to same account holder 4. Investigations, cancellations and amendments 5. Urgent transfers 6. Transfers as per list to cusomers' accounts with Societe Generale Expressbank 6.1. presented in written form 6.2. presented on magnetic carrier per carrier for transferes in 3 EUR 1.50 EUR 1.50 EUR 0.15% (min 36, max % (min. 36, max % (min. 36, max for transfers in doubled charges Note: For all other payments that are not mentioned in the present document, fees are collected as per the Tariff for corporate customers V. PERMANENT ORDERS 1. Subscription fee - once, yearly 2. Execution fee - intrabank payment 2. Execution fee - inetrbank payment 4. Penalty fee in case of cancellation due to insufficient provision on the customer s account 5. Cancellation of the subscription VI. Direct debit order 1. Subscription fee - once, at installation 2. Execution fee - intrabank payment 2.1. Execution fee - intrabank payment to State Budget via BankOn Web 3. Execution fee - interbank payment 3.1. Execution fee - interbank payment to State Budget via BankOn Web 4. Penalty fee in case of cancellation due to insufficient provision on the customer s account 5. Cancellation of the subscription

6 Remarks 1. The commissions on outgoing interbank transfers in do not include fees of correspondent banks. For transfers with option "OUR" these additional fees are collected from the ordering customer s account. 2. For transfers with option "SHA" and "BEN" the fees of are deducted from the amount of the transfer. Transfers in EUR with option SHA to beneficiaries in EU countries are free of correspondent banks commissions. 3. For payments in RON and PLN only charges OUR are accepted by the correspondent bank. 4. For outgoing transfers in USD with option OUR the clients shall pay the following fees: - in case the commisions of the transfer do not exceed 50 USD - fee at the amount of 25 USD; - in case the commissions of the transfer exceed 50 USD - fee at the amount of 25 USD + the amount above 50 USD This service is offered due to a common practice in USA, where the American banks collect their fees from the amount of the payment despite the written in the payment order instruction by the ordering customer all expenses to be charged to him. The additional clause guarantees that the full amount of the payment order will be received by the beneficiary. 5. Commissions on incoming transfers in foreign currencies are collected from the beneficiary s account only in case the transfer is received with option of charges SHA or BEN. 6. The return of an incoming transfer in as per beneficiary s request is considered to be an outgoing customer transfer. 7. Outgoing transfer in which has been returned not at the fault of the Bank is considered to be an incoming customer transfer. VІI. POS terminals 1. Installation fee 2. Monthly rent 2.1. POS terminal without GPRS/GSM connection 2.2. POS terminal with GPRS/GSM connection 3. Fee per transaction 3.1. Transaction fee on cards processed by BORIKA 3.2. Transaction fee on other cards 4. Deinstallation fee, + 20% VAT 4 12 negotiable negotiable 55 VІII. Cheques 1. Traveler's cheques 1.1. payment on a customer account 1.2. payment in cash 2. Cheques, issued by Societe Generale Expressbank 2.1. issuance 2.2. reissuance 2.3. cancellation upon returning of an original cheque 2.4. cancellation in case of lacking original cheque 3. Cheques, received from another bank 3.1. payment on a customer account 3.2. in cash 3.3. return 0.30% (min. 10 2% (min % (min 40, max % (min % (min corp. expenses BUSINESS PACKAGES ALL IN Chapter Two І. ALL IN PRACTICE 1. Monthly maitanence fee 2. Cancelation fee* 2.1. Comfort Business Insurance 2.2. Debit Cards MasterCard Business and Visa Business * except during the 1-st and 12-th month of subscribtion EUR/USD 3 EUR/USD.75 EUR/USD 5

7 BANK CARDS Chapter Three I. International debit cards 1. Issuance of main and additional card 2. Express issuance (up to 5 days) 2.1. MasterCard/Visa Business 2.2. Visa Business Gold 3. Insurance 4. Maintenance fee 4.1. MasterCard/Visa Business 4.2. Visa Business Gold 5. Cash withdrawal at an ATM 5.1. at an ATM of Societe Generale Expressbank 5.2. at an ATM of other bank, in the country EUR/USD EUR/USD 35 1 EUR/USD EUR/USD EUR/USD EUR/USD 5.3. at an ATM abroad 6. Cash withdrawal at POS terminal 6.1. in the country 6.2. abroad 7. Payments at shops via POS terminal 7.1. in the country 7.2. abroad. Incoming transfers done at POS abroad 6 + 2% % % 0.50% 3 EUR/USD + 2% 0.45 EUR/USD 2.50 EUR/USD + 1% 0.25 EUR/USD + 0.5% 0.50% 9. Balance enquiry at ATM 10. Blocking/Unblocking of a card 11. Change of operational limits upon customer request 12. Ungrounded claim for a transaction 13. Monthly statement sent by the post 14. Opening of Arbitrage procedure at MasterCard 15. Processing of Arbitrage Procedure EUR/USD EUR/USD 10 5 EUR/USD EUR/USD According to the unified Mastercard tariff According to the unified Mastercard tariff ІІ. International credit cards 1. Issuance of main and additional card 2. Express issuance (up to 5 days) 2.1. MasterCard/Visa Business 2.2. Visa Business Gold 3. Insurance 4. Maintenance fee 4.1. MasterCard/Visa Business 4.2. Visa Business Gold 5. Cash withdrawal at an ATM 5.1. at an ATM of Societe Generale Expressbank 5.2. at an ATM of other bank, in the country EUR/USD EUR/USD EUR/USD EUR/USD EUR/USD EUR/USD 5.3. at an ATM abroad 6 + 2% 3 EUR/USD + 2% 6

8 6. Cash withdrawal at POS terminal 6.1. in the country 5 + 2% 2.50 EUR/USD + 2% 6.2. abroad 7. Payments at shops at POS terminal 7.1. in the country 7.2. abroad 6 + 2% % 3 EUR/USD + 2% 0.25 EUR/USD + 0.5%. Incoming transfers done at POS abroad 9. Balance enquiry at ATM 10. Blocking/Unblocking of a card 11. Change of operational limits upon customer request 11. Ungrounded claim for transaction 13. Monthly statement sent by the post 14. Fee for late payment 15. Opening of Arbitrage procedure at MasterCard 16. Processing of Arbitrage Procedure 0.50% 0.50% EUR/USD 10 5 EUR/USD EUR/USD EUR/USD 10 5 EUR/USD According to the unified Mastercard tariff According to the unified Mastercard tariff ІІI. Card Visuals Fee 1. International Credit MasterCard Business/Visa Business +20% VAT 2. International Credit Visa Gold +20% VAT 4 annual 6 annual 2 EUR/USD annual 3 EUR/USD annual 7

9 EXPERT PROGRAM Chapter Four І. Standart loan 1. Processing fee*: 1.1. for credit amount up to for credit amount from above 2. Disbursement fee 3. Annual administration fee on the outstanding principal 4. Pre-term repayment 4.1. Partial pre-term repayment (min. amount Pre-term repayment of more than 30% of the exposure to the total loan amount 5.1. with request for a new loan 5.2. without request for a new loan / % (min ,50% 1% (if repaid not more than 30% of the exposure in 3 months) 3,00% 5,00% *Note: The processing fee is deducted from the disbursement fee II. Credit Expert Nachalo 1. Processing fee 2. Disbursement fee 3. Annual administration fee on the outstanding principal 4. Partial pre-term repayment (min. amount Pre-term repayment of more than 30% of the exposure to the total loan amount 5.1. with request for a new loan 5.2. without request for a new loan % (min ,50% 1% (if repaid not more than 50% of the exposure in 3 months) 3,00% 5,00% III. Overdraft 1. Processing fee 2. Management fee, annually on the authorized amount 3. Fee for modification of the amount 30 1,50% 10 ELECTRONIC BANKING Chapter Five I. Internet Banking BankOn Web 1. Registration 2. Annual maintenance fee, +20% VAT 3. Monthly maintenance fee, +20% VAT 4. Token, + 20% VAT 5. mtan SMS message sent from the bank per message

10 IІ. Internet Banking SogeCash NET 1. Installation fee 2. Monthly fee + 20% VAT 3. Maintenance intervention on site + 20% VAT EUR/USD 30 GENERAL CONDITIONS Chapter Six 1. The present tariff is applicable for liberal professions customers - physical or legal persons 2. The present tariff defines the standard fees and commissions of the Bank. For services upon special agreement and for products and services, not provided in this tariff, the Bank reserves the right to apply fees and commissions on negotiable basis. 3. The interest rates, applied by Societe Generale Expressbank are stated in an Interest Bulletin, which is an integral part of the Tariff. 4. For fees and commissions, determined in and charged in, Societe Generale Expressbank applies the respective BNB fixing rate at the date of the transaction. 5. For fees and commissions, determined in and charged in, Societe Generale Expressbank applies the respective BNB fixing rate at the date of the transaction. 6. In case of insufficient funds on a customer account for covering fees or commissions due, Societe Generale Expressbank reserves its rights to debit any other account of the customer. 7. The present tariff was been approved by the Board of the directors and superseeds all previous tariffs.. For all other services not specified in the present Tariff, but specified in the Fees and commissions Tariff for corporate clients, the client shall pay the fees and commissions specified in the Fees and commissions Tariff for corporate clients The current brochure represents an extract from the Tariff for fees and commissions of Societe Generale Expressbank, effective from