PRICE LIST Private Clients
Contents: 1. Banking services...3 2. Cash deposits...4 3. Cash withdrawals...4 4. Cards...5 5. Transfers...7 6. Other payments...8 7. SMS services...9 8. e-banking...9 9. Standing orders...9 10. Call Center services...9 11. Other services...9 ProCredit Bank applies transparent disclosure of fees for the services it provides. Unless otherwise stated, the interest shall be calculated based on simple interest using the actual/actual day s method. The Bank shall calculate the effective interest rate on deposits and loans based on the CBK s Regulation on Effective Interest Rate and Disclosure Requirements, and it is disclosed in the contract signed between the Bank and Client. The methodology of calculation may be obtained from the Bank s staff, upon client s request. The bank offers loan with variable interest rate and combined interest rate as well (fix and variable interest rate). Please visit one of the branches of ProCredit Bank to be informed on the terms of variable interest rate loans and the current rates. Effective date: 01/02/2018
Banking services 1.0 Banking services 1.1 Bank account services EUR USD Opening of current account and Flex savings account (1) Maintenance of current account and Flex savings account Issuance and maintenance of debit card Issuance and maintenance of e-banking service Issuance of Client Identification Code for Contact Center services Equipping of client with e-banking token/sms tan and re-equipping after the expiry 2.00 Interst on Flex savings account 0.01% Closing of accounts 1.2 Flex Saving Accounts for Children (2) Opening of Flex savings account for children Account maintenance (monthly) Interst on Flex savings account for children 0.15% Account closure 1.3 Term-Deposit Account (3) Account opening Account closure 1.3.1 Term-deposit interest rates 5,000 - <500,000 (4) (5) Nominal interest rate Term-deposit penalty rate, closed prior to maturity, is 1.5 x future interest Effective interest rate 12 months 0.01% 0.01% 24 months 0.01% 0.01% 36 months 0.01% 0.01% 1.4 Other services Authorization on current account 2.50 2.50 Authorization on Flex savings account 2.50 2.50 (1) (2) (3) Opening of Flex savings account will be made only if account holder/legal representative holds a current account. The interest for all Flex savings accounts, including the term-deposit account for private clients shall be capitalized on monthly basis and will be credited to the current account of the client. (4) For term-deposits over 500,000 EUR, please visit the nearest branch. (5) The interest rate for existing term-deposits with automatic renewal for maturities that are no longer provided is 0.01%. Effective as of 01 December 2017 2.00
Cash operations 2. Cash deposits 2.1 Bank Cash In Deposits EUR USD Deposits in banknotes - applicable to all values 2.00 Deposits in coins up to 30.00 EUR Deposits in coins over 30.00 EUR 5% min. 5.00 Deposits to current accounts by third parties 3.00 1.50 2.2 ATM Cash In Deposits (1) ATM Cash In Deposits (2) 0.10 Deposits in coins up to 30.00 EUR Deposits in coins over 30.00 EUR (3) 5% min. 5.00 Deposits to current accounts by third parties 0.10 Deposits with code 0.30 2.3 Damaged money services Depositing/Exchange of damaged money One (1) banknote Depositing/Exchange of damaged money More than one (1) banknote 1.00 0.50 Euro per banknote Money for collection 3.00% (min 15.00) 1) ATM Cash In Deposits are provided up to 9,995 EUR 2) This fee shall be charged for deposits in coins or banknotes to the beneficiary account. If the beneficiary account is a business account, the fee is zero. 3) This fee shall be charged to the beneficiary account and will be calculated at the cumulative value of all deposits in coins to the client s account, made by all depositors/ card holders during the day. 3. Cash withdrawals (1) 3.1 Cash withdrawals in ATMs (2) EUR USD In ATMs within the Bank s premises 0.10 In ATMs outside the Bank s premises 0.15 In ATMs withdrawal by code (3) 0.30 0.30 (3) (4) 3.1.1 Exceeding of allowed withdrawal from Flex savings account and Flex savings account for children Execution of more than one outgoing transaction within one month - commission per transaction 3.2 Cash withdrawals in Bank - EUR 1.50 1.50 30,000.00 3.00 > 30,000.00 50.000.00 0.01% of the amount >50,000.00 <=100,000.00 0.05% of the amount withdrawn >100,000.00 0.10% of the amount withdrawn 3.3 Cash withdrawals in Bank - USD <=10,000.00 3.00 >10,000.00 <=100,000.00 0.05% of the amount withdrawn >100,000.00 0.10% of the amount withdrawn 1) Withdrawal fees shall not apply to pension accounts. Without prior notice, daily withdrawal limit is 15,000 EUR. Above this amount, two days prior notice is required. Without prior notice, daily withdrawal limit in other currencies is 5,000 USD. Above this amount, two days prior notice is required. 2) Daily withdrawal limit in ATM is 2,000 EUR. The limit can be increased up to 10,000 EUR upon requesting a limit increase at the Call Center through the Client Identification Code. 3)When withdrawing money from accounts in USD currency, the money will be received in the EUR currency and the commission will be applied in the equal value of EUR currency. 4) Commission for exceeding the allowed number of withdrawals from Flex savings account and Flex savings account for children shall apply in all the cases when the client performs more than on outgoing transaction during a month. 5) Withdrawal from Flex savings account is provided only for existing savings cards and existing debit cards connected with the savings account issued before 01 June 2017.
Cards 4. Cards (1) 4.1 Debit Cards EUR Re-issuance of card in case of loss/damage 2.50 Issuance of card for the authorized person 2.50 Maintenance Purchases at ProCredit Bank in Kosovo POS Purchases at POS of other banks in Kosovo 1.00% Purchases at POS abroad 0.50% Purchases at POS of ProCredit Bank Albania and Macedonia Withdrawal upon purchase at POS of ProCredit Bank Kosovo (2) 0.05 Withdrawals in ATMs of other banks and abroad Withdrawals in ATMs of ProCredit Bank Albania, Macedonia and Bosnia and Herzegovina 4.2 Credit cards (3) Maintenance Purchases at ProCredit Bank in Kosovo POS 2.25% (min. 3) 1.00 Purchases at POS of other banks in Kosovo 1.00% Purchases at POS abroad and payments via Internet 0.50% Purchases at POS of ProCredit Bank Albania and Macedonia Withdrawals in ProCredit Bank in Kosovo ATMs 2% (min. 5) Withdrawals in ATMs of other banks in Kosovo and abroad 2.5% (min. 5) Penalty rate 4.3 Revolving credit card (3) Maintenance Purchases at ProCredit Bank in Kosovo POS 0.10% daily Purchases at POS of other banks in Kosovo 1.00% Purchases at POS abroad and payments via Internet 0.50% Purchases at POS of ProCredit Bank Albania and Macedonia Withdrawals in ProCredit Bank in Kosovo ATMs 2% (min. 5) Withdrawals in ATMs of other banks 2.5% (min. 5) Withdrawals in ATMs abroad 2.5% (min. 5) Interest rate on the remaining amount 12.90% Penalty rate 4.4 Pension cards (4) Application/issuance for account holder Application/issuance prior to expiry date 0.10% daily Application/issuance for authorized persons 2.50 Purchases at ProCredit Bank in Kosovo POS Withdrawals in ProCredit Bank in Kosovo ATMs Bank account balance Change of PIN Code in ATM Change of PIN Code in POS 1.50
4.5 Commission for withdrawals with cards issued by banks outside Kosovo (5) 5.00 EUR 4.6 ATM retained cards and reset of PIN in ATMs and POS ATM retained cards within the Bank's premises Other banks retained cards ATM retained cards outside the Bank's premises 2.50 Reset of PIN number Change of PIN Code in ATM fee 1.00 Change of PIN Code in POS fee 1.50 4.7 Fee on the use of ProCredit POS terminal installed at Customs service terminals 1.00/ transaction 4.8 Card transaction investigation fee 25.00 4.9 3D Secure ipin - Internet PIN 1.00 4.10 Fee on currency exchange for transactions with our cards abroad (Non Euro currency countries) 1.00 % of the transaction amount 4.11 Generation of account balance in ATMs of ProCredit Bank in Kosovo 4.12 Generation of account balance in ATM/POS of other banks 0.50 1) Validity of debit cards is 5 years. 2) 5) Cash Withdrawal on ProCredit Bank Kosova Point of Sale Withdrawal maximum amount is 200, there is no minimum amount. 3) Prices applied only for existing credit cards because from 01 of June 2017 the bank is not offering credit cards. 4) These cards are issued for pensioners receiving pension in a ProPen account 5) This commission will not apply to all foreign cards issued by any of the ProCredit network banks, whose transactions will be processed through the Quipu Processing Center (QPC)
Transfers 5. Transfers 5.1 Transfers within ProCredit Bank (1) EUR USD Through e-banking In outlets 5.00 5.00 Through standing order Between accounts of the same client through e-banking Between accounts of the same client in outlet - in the same currency Between accounts of the same client in outlet - in different currency 5.00 5.00 1.00 1.00 Exceeding of allowed transfers from Flex savings account 1.50 1.50 and Flex savings account for children (2) (3) (4) 5.2 Outgoing transfers to other banks in Kosovo 10,000 Through e-banking In outlets > 10,000 Through e-banking In outlets 10,000 Through e-banking with priority Through standing order 5.3 Incoming transfers from other banks in Kosovo 0.80 5.00 1.20 5.00 4.00 0.75 Applicable to all values 1.00 5.4 Outgoing international transfers (5) Through e-banking 0.30% ( min.15, max. 1,500) 0.30% ( min.15 USD max.1,500 USD) In outlets 0.30% ( min.15, max.1,500) 0.30% ( min.15 USD max.1,500 USD) 5.5 Outgoing money transfers (third banks fees or charges) Standard flat fee for third bank charges 15.00 25.00 5.6 Reclamations/modifications for international outgoing transactions Investigations/modifications for outgoing transfers less than 1 month Investigations/modifications for outgoing transfers more than 1 month 5.7 Incoming international transfers (6) EUR, USD 10.00 plus third party commissions EUR, USD 30.00 plus third party commissions <50 >50-300 8.00 0.30% ( min. 15 USD, > 300 0.30% ( min.15, max.750) max. 750 USD) 5.8 Reclamation/return of international transfers Reclamation fee 20.00 20.00
5.9 ProPay transfers - with ProCredit Bank Group banks Incoming transfers (7) - only in USD Transfertet dalëse 0.15% (min 15) 0.15% (min.15 USD) 5.10 ProPay transfers - with ProCredit Bank Group banks via e-banking Incoming transfers - only in USD Outgoing transfers 2.50 2.50 1) Commissions are also applicable for transfers from Flex savings account to current account of the same client. 2) Commission for exceeding the allowed number of transfers from Flex savings account and Flex savings account for children shall apply in all the cases when the client performs more than on outgoing transaction during a month. Any payment over 10,000 Euros initiated with priority will be considered as an outgoing regular payment and will have the same price as the regular outgoing payment since the settlement is made in real time. 4) Outgoing transfers with priority are not provided in outlets. 5) For international outgoing transfers with OUR commissions (when the transfer expenses are paid by the person ordering the transfer), except commissions mentioned in paragraph 6.3, fixed commissions are paid to correspondent banks mentioned in paragraph 6.4. 6) For incoming international transfers with OUR commissions, if there are additional fees they will be included in administrative expenses and will be debited from the beneficiary account. 7) Price of all international incoming money transfers (IIMT) with OUR commissions, which are executed/received through ProCredit Bank Germany will be zero (0.00). 6. Other payments - EUR 6.1 Collection payments for clients Degë e-banking Non-client To public institutions (municipalities, courts, TAK, etc) 5.00 0.50 5.00 Utilities (KEDS, PTK, water supply company etc.) 5.00 5.00 To businesses (private universities and schools, etc.) 5.00 0.50 5.00 To micro-finance institutions 5.00 5.00 5.00 To other institutions (embassies, insurance companies, etc.) 5.00 0.50 5.00
Electronic services 7. SMS services 7.1 SMS notification (1) EUR Application fee Maintenance fee Price per SMS 0.10 7.2 SMS Top Up Application fee Phone refill fee 0.10 Bundled packages refill fee 0.10 7.3 SMS balance Price per SMS 0.10 (1) There are three possible schemes to receive SMS notification. Clients shall receive SMS depending on the amount of transaction: a. >=50 EUR, b. >=100 EUR, c. >=200 EUR 8. e-banking Token price in case of loss or damage 20.00 8.1 SMS Tan (2) Application Maintenance Cost per SMS (2) SMS tan will be offered to Private Client. 9. Standing orders Application for service within ProCredit Bank Application for service with other banks In outlets Application for service with other banks via e-banking 1.00/application 10. Call Center services 10.1 Client Identification Code Changes to the contract (adding new private accounts to the existing contract) Fee for re-issuance of identification code before expiry date Other services 11. Other services EUR USD 11.1 Print of account statement once per month 11.2 Re-print of account statement for the same month 2.00 2.00 11.3 Confirmation that the client holds a bank account 2.50 2.50 11.4 Visa confirmation 2.50 2.50 11.5 Confirmation on repaid loan 25.00 25.00 11.6 Commission for collateral modification (deregistration/modification) 11.7 Copy of documents (special request from clients file), up to 6 months old 11.8 Copy of documents (special request from client sfile), above 6 months old 5.00 5.00 2.50 2.50 5.00 5.00