Fees and Commissions for the Erste EgySzámla Account Package Published on: 29 September 2017 Effective from: 02 October 2017 The telephone number of the Retail TeleBank has been changed. Terms of application: Any resident or non-resident natural persons of legal age and any resident natural persons over 14 years but less than legal age may apply for the Erste EgySzámla Single Account Fee Package, the latter with the approval of and surety assumed by their legal guardians. For the purposes of obtaining a monthly customer relations fee discount: Persons qualify as Students if they are over 14 years but maximum 26 years of age and are students at a secondary school or an institute of higher education. Persons qualify as Pensioners if they are entitled to pension payments and who hold an official decision/ containing a registry number providing evidence of entitlement to a pension. All persons qualify as Adults if they are of legal age and cannot meet the conditions required for obtaining the monthly customer relations fee discount established for Student and Pensioner customers. Discounts: I. In connection with the Erste EgySzámla Single Account Fee Package, one discount may be selected from the following fee discounts: I. Optional discounts NetBank HUF transfer discount Erste Hírnök discount Embossed bank discount Discount fee for one-time HUF transfer via Erste NetBank and Erste MobilBank service within and outside the bank, regardless of amount limit: HUF 0 + (0.30%, maximum HUF 6,000) The monthly fee for the Erste Hírnök service requested by the Account Holder and co-holders for the first domestic phone number and/or email address with 50% discount The issuing fee and annual fee for VISA Classic and MasterCard Standard bank s are available with the issuing fee and annual fee for VISA Electron/Maestro bank s. II. A Monthly Customer Relations Discount is also available for the Erste EgySzámla Single Account Fee Package in the following cases. The Account Holder selects the conditions fulfilling which he or she wants to use the discount from the conditions required for obtaining the Monthly Customer Relations Discount. II. Conditions for the monthly customer relations fee discount Clientele Conditions for the monthly customer relations fee discount (1)(2)(10) Adult Pensioner Student application for electronic account statements for all bank accounts associated with the General Agreement, and crediting the transfer of a monthly income of at least HUF 150,000 to any bank account covered by the General Agreement in not more than two instalments, or bank purchase to the amount of HUF 35,000 in the to the debit of the bank accounts covered by the General Agreement; presentation of official decision/ that contains a registry number providing evidence of entitlement to a pension, and crediting the transfer of a monthly pension/income of at least HUF 60,000 to any bank account covered by the General Agreement in one instalment, or bank purchase to the amount of HUF 35,000 in the to the debit of the bank accounts covered by the General Agreement; application for electronic account statement for all bank accounts associated with the General Agreement. 1
Service fees: Account keeping Fee rate Due date Monthly customer relations fee (HUF/month) (regardless of the number of bank accounts, in the case of the Account Holder s General Agreement) Clientele If the conditions for the monthly customer relations fee discount are fulfilled If the conditions for the monthly customer relations fee discount are not fulfilled Adult HUF 199 HUF 990 Pensioner HUF 199 HUF 990 Student HUF 0 Account keeping fee (HUF/month) (regardless of currency) HUF 199 (3) under a promotion that lasts until withdrawn, HUF 0 Adult/Pensioner/Student Bank services Fee rate Due date Visa Electron and Maestro Bank Card Bank issuing fee /new Annual bank fee p. a. Maestro Diák Card Bank issuing fee HUF 1,990/new Annual bank fee HUF 1,990 p. a. Virtual VISA (5) Bank issuing fee HUF 1,500/new Annual bank fee HUF 1,500 p. a. HUF 1,500 Visa Classic and MasterCard Standard Bank Card Bank issuing fee HUF 7,900/new Annual bank fee HUF 7,9000 p. a. MasterCard Gold Bank Card Bank issuing fee (6) Annual bank fee (6) HUF 7,900 HUF 13,500 HUF 22,000/new HUF 11,900/new until promotion is withdrawn HUF 22,000 p. a. HUF 11,900/year until promotion is withdrawn After application for a new, when the first is generated Annually, at the anniversary of After application for a new, when the first is generated Annually, at the anniversary of After application for a new, when the first is generated Annually, at the anniversary of After application for a new, when the first is generated Annually, at the anniversary of After application for a new, when the first is generated Annually, at the anniversary of HUF 13,500 2
Erste SuperShop Bank Card Bank issuing fee HUF 6,500/new Annual bank fee HUF 6,5000 p. a. HUF 6,500 HUF 6,500 After application for a new, when the first is generated Annually, at the anniversary of SMS Service Monthly fee (HUF) Fee of SMS (HUF) Due date Erste Hírnök service Erste Hírnök service to first domestic phone number and/or email address HUF 490 HUF 0 Erste Hírnök service to first foreign phone number HUF 990 HUF 0 Erste Hírnök service to second domestic phone number + HUF 200 / phone number HUF 0 and/or email address HitelŐr service HUF 0 HUF 0 Online purchase confirmation SMS code HUF 0 HUF 0 TeleBankŐr service (the service may not be applied HUF 125 / phone number HUF 29 for as of 21 December 2016) Money transactions fee: One-time transfers outside the Bank On the day of the application and the first banking day of the On the 6 th business day after the reference month HUF transfers and book-entry transfers Order type Method of submitting Fee rate Due date 0.22%, min. HUF 320, max. HUF 6,659 0.13%, min. HUF 150, max. HUF 6,659 One-time transfers within the Bank via TeleBank, precoded 0.11%, min. HUF 120, max. HUF 6,659, MobilBank Transfer between own accounts HUF 0 0.29%, min. HUF 600, max. HUF 9,989 0.17%, min. HUF 250, max. HUF 9,989 via TeleBank, precoded 0.16%, min. HUF 150, max. HUF 9,989, MobilBank amount within the Bank amount outside the Bank HUF 150 amount between own accounts HUF 120 Execution of direct debit within the Bank (order to pay for utilities) Execution of direct debit outside the Bank (order to pay for utilities) HUF 150 Transfer order with limit price within the Bank Transfer order with limit price outside the Bank HUF 150 3
Bank Card Transaction Fees Fee rate Due date Purchase in Hungary and abroad Cash withdrawal from Erste Bank ATM in Hungary and from Erste Bank Group ATM abroad HUF 95 + 0.95% + 0.6% Cash withdrawal from other ATMs in Hungary HUF 490 + 1.49% + 0.6% Cash withdrawal at the branches of other banks, other HUF 580 + 1.18% + 0.6%, max. HUF payers and merchants and at POS terminals in Hungary 12,930 Cash withdrawal from ATMs abroad HUF 1.290 + 1.79% + 0.6% Cash withdrawal in cash desk abroad HUF 1.490 + 1.79% + 0.6% Cash deposit to Erste Bank ATMs in Hungary (7) HUF 50 + 0.2% the last business day of the Balance enquiry via Erste Bank ATMs (in Hungary) HUF 50 Balance enquiry at Erste Bank branches HUF 170 Balance enquiry from other ATMs in Hungary or abroad HUF 410 Modification of PIN at Erste Bank ATMs in Hungary HUF 150 Modification of PIN at other ATMs in Hungary and abroad HUF 300 Receipt of bank at a bank branch (at the Customer s request) per per occasion HUF 3,000 Mailing of bank within Hungary Mailing of bank abroad HUF 1,500 Mailing of PIN within Hungary Mailing of PIN abroad HUF 1,000 PIN code re fee HUF 733 Erste MobilePay registration HUF 199 Invoice payment through the Erste MobilePay service 0.16%, min. HUF 150 Wire transfer via the Erste MobilePay service (8) 0.16%, min. HUF 150 Parking through the Erste MobilePay service (9) Purchase of motorway vignettes through the Erste MobilePay service (9) Topping up of mobile phones through the Erste MobilePay service Additional services: Unlimited ATM cash withdrawal package Fee rate Due date Package fee HUF 590/month Upon application, afterwards on the first business day of the month Cash withdrawal transaction fee HUF 0 + 0.6% The Korlátlan ATM Unlimited ATM Cash Withdrawal Package may be separately applied for for each bank account. Direct debit package Fee rate Due date Package fee HUF 299/month Transaction fee for execution of direct debit order within HUF 0 and outside the Bank (order to pay for utilities) The Direct Debit Package may be separately applied for for each bank account. the last business day of the Other fees, commissions and charges as well as execution procedures not stated in the Annex to this Announcement in connection with the Erste Egyszámla Single Account Fee Package are set forth in the main document of the Bank, the Announcement on Retail Bank Account and Deposit Interest Rates, as in force. (1) The Bank is entitled to modify the amount of credit and purchase amount for the discount of the monthly customer relationship fee, as follows: (a) In the case of Pensioners, the credit amount prescribed for obtaining a monthly customer relations fee discount is the net amount of the then-current minimum wage.. (b) In the case of Adults, it is 2.5 times the net amount of the minimum wage. 4
(c) The amount of purchases made with a bank is 0.6 times the net amount of the minimum wage. (2) The Bank examines the income/pension credited to the accounts forming part of the General Agreement in the period from the 15 th day of the month preceding the until the 14 th day of the with regard to the fulfilment of the condition of crediting income/pension to the account, which is required for obtaining a monthly customer relations fee discount. The Bank will accept that income transferred in HUF and foreign exchange both from within and outside Hungary (even via VIBER) as the fulfilment of the condition of the privileged level. The Bank does not accept crediting by transfer between own bank accounts within the Bank. The Bank examines the condition of bank purchases required for obtaining the discount monthly customer relations fee on the basis of the transactions executed and debited in the period from the 15 th day of the month preceding the until the 14 th day of the with regard to the bank account purchases made on accounts kept in the EgySzámla Single Account Fee Package. In the month when the Erste EgySzámla Single Account Fee Package is opened or when an account is reclassified as part of the EgySzámla Single Account Fee Package (fee package modification), the Bank charges a discount monthly customer relations fee. (3) Under a promotion that lasts until withdrawn, the monthly customer relations fee is HUF 0. (4) Within 60 days following the blocking of the bank, one bank of the same type may be applied for as a replacement, and in such case only the blocking/replacement fee will be charged. An application for a bank requested after 60 days or for a bank of another type qualifies as the issue of a new bank, and in such case the issue fee specified in the Announcement will also be charged in addition to the blocking/replacement fee. (5) The Bank issues VISA virtual s only as a main. Virtual s may only be used for shopping on the Internet. In the case of virtual s, only the following transactions and other fees are applicable: Purchases in Hungary and abroad, and posting of within Hungary/abroad. (6) As of 21 December 2016, the issuing and annual fee for the MasterCard Gold Bank Card applied for for the Erste EgySzámla Single Account Fee Package are discounted until the promotion is withdrawn. The discount annual fee applies to bank s applied for until the promotion is withdrawn. (7) The percentage part of the composite fee is determined in stated proportion of the amount paid. (8) In the case of Wire Transfer Transactions made through the Erste MobilePay service, the maximum transaction limit is HUF 100,000. (9) In the case of the Parking and Motorway Vignette Purchase Transactions made through the Erste MobilePay service, a convenience fee is charged by Cardnet Kártyarendszerek és -szolgáltatások Zrt. (Cardnet) providing the service, the rate of which is included in the General Terms of Contract of Cardnet, as in force. (10) The Bank does not examine the condition of requesting an electronic account statement set as a condition for the monthly customer relations fee discount under a promotion that lasts until withdrawn. The Bank reserves the right to unilaterally change or withdraw the promotions, discounts, and the composition and content of the discounts announced in this Annex to the Announcement (including, in particular, the terms of authorisation required for obtaining discounts and the amounts to be credited/transacted). The information brochure relating to the first two cash withdrawals per month free of charge available pursuant to Section 36/A of Act LXXXV of 2009 on the provision of money transaction services, as amended in connection with financial utility rate cuts, and to the central record-keeping of declarations made on cash withdrawal free of charge is included in the main document of the Announcement on Retail Bank Accounts and Deposit Interest Rates. The Bank provides the conditions stated in this Annex on the basis of the date of conclusion of contract or, in the case of a reclassified package, the date of reclassification as follows. Date of conclusion of contract/reclassification Validity of conditions New fee package after the expiry of the discount As of 21 December 2016 1 March 2020 Erste Bázis Account Package The Bank will notify the Customer of the fees in force as of 2 March 2020 in advance. The Bank will charge its fee applicable to March 2020 in accordance with the fees in force as of 2 March 2020. The Bank continues to keep a record of Erste Egyszámla Single Accounts opened until 20 December 2016 under the name of Erste Egyszámla Klasszik, the terms and conditions of which are set out in Annex 2.8 to the Announcement on Retail Bank Accounts and Deposit Interest Rates. 5