Fees and Charges
Table of Contents 1. Deposit Service...... 4 1.1 Current Account............... 4 1.2 Savings / Statement Savings Account.........4 1.3 Deposit Cheque.............4 1.4 Deposit / Exchange MOP Banknotes / Coins....... 5 1.5 Deposit / Exchange HKD Banknotes / Coins........ 5 1.6 Deposit / Exchange RMB Banknotes......... 5 1.7 Deposit USD Banknotes............. 5 1.8 General Service............... 6 1.9 Safe Deposit Box............. 6 2. Card Service...........7 2.1 Credit Card...................7 2.2 MOP VISA Debit Card....................8 2.3 Jet Cash Card................ 8 2.4 ATM Card / China UnionPay Debit Card..... 9 3. Loans Service.....9 3.1 Mortgage Loan Service..............9 3.2 Personal Loan Service.............10 4. Insurance Service........10 5. Remittance Service............11 5.1 Outward Remittance................ 11 5.2 Inward Remittance...............12 5.3 Hong Kong and Macau Instant Remittance Service....... 12 6. Scale of Commission and Charges Trade Services........13 6.1 Import................ 13 6.2 Export..................13 2
7. Securities Services....... 14 7.1 Trade related services..................... 14 7.2 Internet Stock Quote Service...................14 7.3 Account maintenance................ 14 7.4 Nominee services and corporate actions..15 7.5 IPO Subscription............... 15 7.6 Scrip handling and settlement related services........16 7.7 Stock transfer services.................16 7.8 Trade-related services (Shanghai / Shenzhen Stock Connect)..........17 Noted: The charges will be levied in HKD / MOP except specify. The Bank reserves the right to vary the rate of charges. 3
1. Deposit Service 1.1 Current Account Cheque book Stop payment of cheque Returned cheque (Insufficient fund) Returned cheque (Other reasons) Dormant account - Account that has been dormant for more than 3 years and with balance below HKD / MOP 2,000 1.2 Savings / Statement Savings Account Account closed within 3 months from date of account opening Dormant account - HKD / MOP / Foreign currency account (Including RMB account) that has been dormant for more than 3 years and with balance below HKD / MOP 2,000 or equivalent Re-issue of passbook $2.0 per cheque $200 per cheque $200 per cheque $100 per cheque $100 per half year (Fee waiver is allowed for customers aged 65 or above) $200 per account $100 or HKD equivalent per half year (Fee waiver is allowed for customers aged 65 or above) $150 per passbook 1.3 Deposit Cheque General Customer Elite Customer Foreign currency cheque deposit Payable in Macau / Hong Kong $200 per cheque $50 per cheque Payable in other countries USD $200 per cheque $100 per cheque AUD $600 per cheque $600 per cheque Other foreign currency $400 per cheque $200 per cheque Returned cheque $200 per cheque $150 per cheque HKD / USD cheque deposit (Payable in Hong Kong) HKD - $30 per cheque USD - $50 per cheque HKD - $10 per cheque USD - $20 per cheque Returned cheque $200 per cheque $100 per cheque Returned local cheque deposit $50 per cheque $20 per cheque 4
1.4 Deposit / Exchange MOP Banknotes / Coins $100 or below banknotes - Over 200 pieces MOP Coins - Over 50 pieces (Under 50 coins would be counted as 50 coins) 0.5% of deposit / exchange amount (Minimum $30) $5 per 50 coins 1.5 Deposit / Exchange HKD Banknotes / Coins $1,000 banknotes Free of charge Other banknotes (Under $10,000 would be counted as $10,000) $50,000 or below Free of charge Over $50,000 HKD 20 per $10,000 exceed $100 or below banknotes 0.5% of deposit / exchange amount - Over 50 pieces (Minimum $30) HKD Coins (Deposit or over 10 coins) 10% of deposit amount (Minimum $20) 1.6 Deposit / Exchange RMB Banknotes Cash - $20,000 or below Free of charge - Over $20,000 (Under $1,000 would be counted as $1,000) $2 per $1,000 exceed $50 or below banknotes 0.15% of deposit / exchange amount - Over 300 pieces (Minimum $15) 1.7 Deposit USD Banknotes Cash / Small change banknotes 0.5% of deposit amount (Minimum HKD30) 5
1.8 General Service Cashier order General Customer Elite Customer $30 per cashier $70 per cashier order - Issuance order - Cancellation $30 per cashier $70 per cashier order - Report loss order $200 per cashier $300 per cashier order order Counter Cheque Request for statement copy Request for Banker s reference letter Banker s endorsement on account balance confirmation Auto payment charge for public utilities Coins exchange Handling charge for Inheritance $70 per cheque $70 per month $300 per letter $300 per letter $1 per transaction $25 per bag $400 Handling charge for payroll account $2 per transaction (Minimum $200) 1.9 Safe Deposit Box Safe Deposit Box: (A) 2 x5 x22 Rent:$ 220 Deposit:$ 350 (B) 3 x5 x22 Rent:$ 450 Deposit:$ 650 (c) 5 x10 x22 Rent:$ 1,000 Deposit:$ 1,000 (D) 10 x10 x22 Rent:$ 1,300 Deposit:$ 1,500 Re-issue key Break open of box $300 per key $800 per box 6
2. Card Service 2.1 Credit Card Annual Fee - Principal card:platinum $1,000 - Principal card:titanium $480 - Principal card:classic $220 - Supplementary card:platinum $500 - Supplementary card:titanium $240 - Supplementary card:classic $110 - Priority Pass membership card $100 Replacement for Priority Pass membership card $100 per card Priority Pass Lounge Visit Plaza Premium Lounge Visit Charge for UnionPay Daimond Credit Card (Hong Kong & Macau) Late payment charge Cash advance handling fee Over Limit Handling fee Financial charge (Interest rate) Overseas transaction / conversion fee (Not applicable to China Unionpay credit card) Returned cheque / rejected autopay Termination Recurring Transaction Handling Fee Lost card replacement Issuance of cashier order Sales draft retrieval fee Statement copy retrieval fee $220 per guest per visit $350 per guest per visit $130 per time 4.5% on cash advance amount per transaction or minimum $80 (If the cash withdrawal through JETCO network outside Macau, an additional fee HKD 20 or equivalent will be charged) $100 per time 29.25% per annum For transaction effected in non-card currency or made outside Macau, a 1% Visa / MasterCard Cross Border Fee and a 0.75% Overseas Transaction / Conversion Fee levied by the Bank shall be debited to the card account. $100 per item $50 per time $100 per card $70 per cashier order $50 per copy $50 per copy 7
2.2 MOP VISA Debit Card Annual fee Lost card replacement Overseas transaction / conversion fee Additional fee for cash withdrawal via JETCO network outside Macau Cash withdrawal via VISA PLUS network Handling fee for Insufficient fund Sales draft retrieval fee $80 $80 per card For transaction effected in non-card currency or made outside Macau, a 1% Visa Cross Border Fee and a 0.75% Overseas Transaction / Conversion Fee levied by the Bank shall be debited to the card account. HKD 20 or equivalent per transaction HKD 30 or equivalent per transaction $50 per time $50 per copy 2.3 Jet Cash Card Annual fee $220 Late payment charge Cash advance handling fee Over Limit Handling fee Financial charge (Interest rate) Returned cheque / rejected autopay Lost card replacement Issuance of cashier order Sales draft retrieval fee Statement copy retrieval fee $130 per time 3.5% on cash advance amount per transaction or minimum $80 (If the cash withdrawal through JETCO network outside Macau, an additional fee HKD 20 or equivalent will be charged) $100 per time 18% per annum $100 per item $100 per card $70 per cashier order $50 per copy $50 per copy 8
2.4 ATM Card / UnionPay Debit Card Annual fee $80 Card replacement Additional fee for cash withdrawal via JETCO network outside Macau Cash withdrawal via VISA PLUS network Sales draft retrieval fee (For UnionPay Debit card only) Cash withdrawal via UnionPay network (For UnionPay Debit card only) Interbank Transfer via JETCO network $80 per card HKD 20 or equivalent per transaction HKD 30 or equivalent per transaction $50 per copy $30 per transaction HKD 5 per transaction 3. Loans Service 3.1 Mortgage Loan Service Re-finance loan handling fee 0.5% of loan amount (Minimum $1,000) Early repayment Within 1 st year 3% on loan amount Within 2 nd year 2% on loan amount Within 3 rd year 1% on loan amount Partial Prepayment According to the terms and conditions of loan contract Cancellation of Loan application $1,000 Late payment charge Bank mortgage confirmation Re-issue of payment advice / Photo copies of repayment history $50 for each past due installment unpaid for more than 3 business days $150 for each past due installment unpaid for more than 30 calendar days $200 per letter $50 per copy Switching of repayment method between monthly and bi-weekly Change of: - Repayment tenor - Repayment amount - Repayment plan - Due date Change of interest rate Field assignment fee for collecting cheque $2,000 per request $1,000 per request $1,000 per request $500 per request $1,000 per request $2,000 per request $2,000 per case 9
3.2 Personal Loan Service Car park loan (Without deed) - Early repayment Taxi loan 0.5% on the initial loan amount (Minimum $300) Within 1 st year 3% on initial loan amount Within 2 nd year 2% on initial loan amount Within 3 rd year 1% on initial loan amount Afterward Free of charge - Application handling fee Free of charge - Early repayment:full / partial Within 1 st year 3% on initial loan amount Within 2 nd year 2% on initial loan amount Within 3 rd year 1% on initial loan amount Afterward Free of charge Other loan service - Car loan / home owner decoration loan/ wedding loan / education loan / speedy personal loan Late payment charge Cashier order issued for Car Loan drawdown Free of application handling fee (Early repayment charges according to the terms and conditions of loan contract) $100 for each past due installment unpaid for more than 1 business days $200 for each past due installment unpaid for more than 15 calendar days Free of charge 4. Insurance Service Late payment for insurance premium (Reject Auto-direct debit for consecutive 6 times) $100 (One time charge) 10
5. Remittance Service 5.1 Outward Remittance MOP Remittance HKD Remittance - General customer Telegraphic Transfer Handling fee $100 (Only applies to remittance to Macau) Cable charges 0.1% (Minimum $50) $50 - Elite customer 0.08% (Minimum $50) $50 Demand Draft --- Handling fee 0.08% (Minimum $50) (Only applies to remittance to Hong Kong) RMB Remittance $150 --- FCY Remittance - With exchange --- $150 - Without $50 $150 exchange Handling fee $150 Information amendment, stop payment, refund remittance, cancellation remittance Handling charge $50 (Cable charge will be added if needed) Chinese Character Contained Extra $30 in Payment Instruction Mail remittance receipt Handling charge $20 Remarks: 1. For remittance in MOP, the charges will be levied in MOP. 2. For remittance in HKD/other foreign currency, the charges will be levied in HKD. 3. The above charges do not include any correspondent bank charges. 4. Payment method for the charges must be by debiting from customer s account. 11
5.2 Inward Remittance Settlement method Credit to customer s own account with our bank Transfer payment to other local bank account Currency Charge Location of the Bank that Sends the Inward Remittance Instruction to our Bank Macau Outside Macau - RMB Free of charge General customer General customer - HKD/ MOP Handling fee Handling fee $30 $100 Elite customer Elite customer - Foreign currency - with exchange - without exchange Free of charge Handling fee $30 Free of charge Handling fee $100 Handling fee $150 - HKD / MOP Handling fee $100 - Foreign currency - with exchange - without exchange Handling fee $100 Handling fee 0.25% (Minimum $100 and cable charge $150) Information amendment, refund remittance, --- $50 $150 cancellation remittance Remarks: 1. For remittance in MOP, the charges will be levied in MOP. 2. For remittance in HKD/other foreign currency, the charges will be levied in HKD. 3. The above charges do not include any correspondent bank charges. 5.3 Hong Kong and Macau Instant Remittance Service Internet service $80 per transaction Over the Counter - General customer 0.08% on transaction amount (Minimum $40) - Elite customer or corporate customer 0.07% on transaction amount (Minimum $40) 12
6. Scale of Commission and Charges Trade Services 6.1 Import Opening LC (For each 6 months) LC Amendment - Increase amount / Extend validity (Base on the increase amount) - Others (Flat charge for each amendment) 1 st USD 50,000 or HKD 400,000 Balance Minimum 0.25% 0.125% $250 0.25% 0.125% $250 $250 Comm. in lieu of Exchange (ILE) 0.25% 0.125% $250 Invoice Financing - Handling Commission - Repayment in same Foreign Currency 0.125% 0.25% 0.125% 0.125% $250 $250 Inward Bill Collection (DP / DA) 0.125% 0.125% $250 6.2 Export 1 st USD 50,000 or HKD 400,000 Balance Minimum OB (LC / DP / DA) Purchased - HKD / MOP Bill 0.25% 0.125% $250 - Foreign Currency Bill to HKD --- --- --- - Foreign Currency Bill in same Currency 0.25% 0.125% $250 Document Checking Fee (Drawn under L/C for each 10 sets of Invoice) --- --- $250 Outward Bill Collection 0.125% 0.125% $250 Comm. In lieu of Exchange (ILE) 0.25% 0.125% $250 LC / Amendment Advising - Bills Customer - Postage (To be advised thru' other local bank) $250 $250 13
7. Securities Services 7.1 Trade related services General Customer Elite Customer Minimum Charge Brokerage Fee - Telematic Service - e-trading Service On transaction amount 0.23% 0.23% - Customer Service 0.25% on transaction amount On transaction amount 0.18% 0.18% 0.22% on transaction amount $85.00 $85.00 $125.00 Stamp duty 0.1% for every HKD 1,000 of transaction amount (Or part thereof, any fraction of HKD 1 in stamp duty payable shall be rounded upward to the nearest HKD 1 ) Trading Fee 0.005% on transaction amount Transaction levy 0.0027% on transaction amount Stamp duty on transfer deed HKD 5 for each transfer deed (For selling new issue share) 7.2 Internet Stock Quote Service Internet stock quote service (Upgraded Plan) 300 times FREE real time stock quotes per month, subsequent enquiry will be charged at HKD 0.1 per quote (1,000 times FREE real time stock quotes per month for Elite customer) 7.3 Account maintenance Safe custody charge HKD 0.15 per board lot or odd lot (Collected half - yearly on portfolios as at 1 Jun and 1 December and debited from account on the next business day) Maximum : HKD 2,500 $20.00 $60.00 per half year Dual Tranche, Dual Counter / Intercounter Transfer HKD 70 per event $70.00 14
7.4 Nominee services and corporate actions Scrip fee for shares in CCASS on Book - Close Date HKD 1.5 per board lot or odd lot (Collected on the net increased quantity of each share compared with the balance of the previous book-close date) Collection of cash dividend Collection of other cash entitlements (including cash offer and privatization) 0.5% on cash amount, Maximum: HKD 2,500 $30.00 0.25% on cash amount, Maximum: HKD 2,500 Plus: handling charge for CCASS, HKD 0.8 per board lot, or Stamp Duty of 0.1% $100.00 Receipt of securities from privatization / Share Offer Share consolidation / subdivision Collection of bonus issues and scrip dividend (applicable to unlisted securities) Rights subscription Warrant exercise / ELI redemption via CCASS HKD 5 per board lot or odd lot Maximum: HKD 500 Plus: charge for alloted new issue shares deposits and handling charge for CCASS, HKD 0.8 per board lot HKD 30 per event HKD 3 per board lot or odd lot Maximum : HKD 500, Minimum Charge of HKD 30 will be levied on collection of unlisted securities Plus : charge for alloted new issue shares deposits and handling charge for CCASS, HKD 0.8 per board lot HKD 3 per board lot or odd lot Maximum : HKD 500 Plus : handling charge for CCASS, HKD 0.8 per board lot HKD 3 per board lot on top of the above deposit charges Maximum : HKD 500 Plus : charge for alloted new issue shares deposits and handling charge for CCASS, HKD 0.8 per board lot $30.00 $30.00 $30.00 $30.00 Nominee services and corporate actions 0.2% of redemption amount (Maximum: HKD$500 / RMB500) Plus : handling charge for CCASS $50.00 7.5 IPO Subscription IPO Subscription ( New issue share deposits on nominee basis) Via internet channel Via customer services Alloted new issue shares deposits $100.00 $150.00 $30.00 15
7.6 Scrip handling and settlement related services Deposit of securities 1. Physical scrip : HKD 5 per board lot or odd lot (Maximum : HKD 100) Plus: Stamp Duty of HKD 5 for each transfer deed 2. Through CCASS Plus: CCASS settlement fee and SI input fee (- CCASS settlement fee: 0.002% of securities value based on the previous day s closing price with minimum of HK 2 and maximum of HKD 100 - SI input fee: HKD 1 per transaction. - Waiving the above charge for those shares purchased through our Bank) 1. Physical scrip withdrawn from CCASS : HKD 10 per board lot or odd lot (Charges for CCASS inclusive) $30.00 $50.00 Withdrawal of securities 2. Through CCASS : HKD 30 per transaction Plus: CCASS settlement fee and SI input fee (- CCASS settlement fee : 0.002% of securities value based on the previous day s closing price with minimum of HKD 2 and maximum of HKD 100 - SI input fee: HKD 1 per transaction. - Waiving the above charge for those shares purchased through our Bank) Money settlement fee (Through CCASS) Free Personal registration by registrar - Handling HKD 10 per board lot or odd lot (Maximum : HKD 500) $100.00 charge - Scrip fee HKD 2.5 per board lot or odd lot - Stamp duty on transfer deed HKD 5 for each transfer deed 7.7 Stock transfer services Deposit of securities Free Withdrawal of securities Per Stock $150.00 Plus: CCASS settlement fee and SI input fee ( - CCASS settlement fee : 0.002% of securities value based on the previous day s closing price with minimum of HKD 2 and maximum of HKD 100 - SI input fee: HKD 1 per transaction. - Waiving the above charge for those shares purchased through our Bank) 16
7.8 Trade-related services (Shanghai / Shenzhen Stock Connect) Brokerage fee Customer Service Handing fee (Shenzhen Stock Exchange) Handing fee (Shanghai Stock Exchange) Securities management fee (China Securities Regulatory Commission) Charged by ChinaClear 0.002%(hkscc) Charged by HKSCC 0.002%(hkscc) Stamp duty (State Administration of Taxation) 0.25% on transaction amount RMB75 0.00487% on transaction amount 0.00487% on transaction amount 0.002% on transaction amount 0.002% on stock face value 0.002% on stock face value 0.1% on transaction amount (applicable to sell only) Remark: The above charges will be levied in HKD/RMB except specify. 17