T E R M S А N D C O N D I T I O N S February 2012 www.piraeusbank.bg
Terms and Conditions of Piraeus Bank Bulgaria AD 2 / 23 CONTENTS 1. GENERAL PROVISIONS... 3 2. PAYMENTS IN BGN... 3 3. PAYMENTS IN FOREIGN CURRENCIES... 4 4. COMMUNICATION CHARGES... 5 5. CUT - OFF TIMES and VALUE DATES... 5 6. CHEQUES... 6 7. INTERNET BANKING... 6 8. MOVEMENT ACCOUNT SERVICES... 6 9. CASH TRANSACTIONS... 7 10. ISSUING OF REFERENCES AND CERTIFICATES... 8 11. SAFE BOXES... 8 12. DOCUMENTARY OPERATIONS AND BANK GUARANTEES... 9 13. BANK CARDS... 14 14. LENDING... 18 15. INVESTMENT BANKING SERVICES...3 17. OTHER PRODUCTS AND SERVICES... 22
Terms and Conditions of Piraeus Bank Bulgaria AD 3 / 23 1. GENERAL PROVISIONS These Terms and Conditions stipulate the standard fees and commissions due and payable by the clients of Piraeus Bank Bulgaria /the Bank/ upon execution of 1.1. the transactions. For all services and operations that are not subject to these Terms and conditions, the Bank shall apply fees and commissions upon agreement 1.2. These Terms and Conditions shall be applied for clients of Piraeus Bank Bulgaria who are Bulgarian or Foreign Individuals and Legal Entities. For the purpose of these Terms and Conditions the Sole traders will be regarded as legal entities. 1.3. All fees and commissions shall be collected in BGN or the equivalent in another currency calculated based on specific exchange rate of the Bank on the day of transaction 1.4. The Bank shall execute only those orders which fully comply with the requirements of the effective legislation in this country and on condition that the client has enough funds for performing the transaction and for payment of the due fees and commissions provided that they are chargeable to the client. 1.5. The Bank shall make currency conversion as per the announced exchange rate in its interest rates bulletin in case of transfers which indicate account in currency other than currency of the transfer 1.6. The present terms and Conditions are subject to the prevailing market conditions and the Bank reserves the right to alter and/or amend the Terms and Conditions at any time, at sole discretion, if the Bank deems it necessary. 1.7. The Bank is entitled to debit any other account of the client with the accrued interests, fees, and levies, even in the equivalent in other currency, if there is no sufficient cover on the respective account. 1.8. Current and saving accounts may be closed unilaterally by the Bank with a 60 days written pre-advice. 1.9. Besides the cases where it is explicitly indicated, the fees and commissions for the services taxable under Value Added Tax Act are given with Value Added Tax (VAT) inclusive. 1.10. The Executive Committee of the Bank shall be entitled to alter and amend these Terms and Conditions at any time. The alterations and amendments shall become effective on the day specified in the respective decision of the Executive Committee of Piraeus Bank Bulgaria 1.11. These terms and Conditions have been approved at the meeting of the Executive Committee of Piraeus Bank Bulgaria with Minutes No 01/10.01.2007 and subsequently amended with Minutes No 5/10.05.2007, Minutes No 9/28.08.2007, Minutes No 11/08.10.2007, Minutes No 12/02.11.2007, Minutes No 13/13.12.2007, Minutes No 02/25.01.2008, Minutes No 07/26.05.2008, Minutes No 10/15.09.2008, Minutes No 14/18.11.2008, Minutes No 17/20.12.2008 and Minutes No 04/06.04.2009, Minutes No 7/28.07.2009, Minutes No 8/13.10.2009, Minutes No 7/13.04.2010, Minutes No 8/04.05.2010, Minutes No 9/17.05.2010, Minutes No 10/2010, Minutes No 12/30.08.2010, Minutes No 15/18.11.2010, Minutes No 17/21.12.2010, Minutes 02/25.01.2011, Minutes 05/09.03.2011, Minutes 07/30.03.2011, Minutes 09/16.05.2011, Minutes 12/01.07.2011 of the Executive Committee, Minutes 13/13.07.2011, Minutes 14/17.08.2011, Minutes 15/19.09.2011 Minutes 21/05.12.2011, Minutes 01/12.01.2012 and Minutes 02/30.01.2012 2. PAYMENTS IN BGN 2.1. Outgoing Inter-bank Payments 2.1.1. Outgoing transfers via BISERA 2.1.1.1. Ordered in the bank branch BGN 2.00 2.1.1.2. Ordered via the Internet-based channel /WINBANK BGN 1.00 2.1.2. Outgoing transfers via RINGS 2.1.2.1. Ordered in the bank branch BGN 12 2.1.2.2. Ordered via the Internet-based channel /WINBANK/ BGN 10 2.1.3. Cash transfer /against deposit of cash at the cashier's desk/ 2.1.3.1. Cash transfer via BISERA 0.5% (min. BGN 5.00) 2.1.3.2. Cash transfer via RINGS 0,5% (min BGN 15) 2.1.3.3. Cash transfer to a company account held with Piraeus Bank Bulgaria 0,5% (min. BGN 5.00) Note: The fee is not applicable when the cash transfer is made by company s employees 2.2. Incoming Inter-bank Payments 2.2.1. Incoming interbank transfers via BISERA/RINGS Free of charge 2.3. In-house Payments 2.3.1. Transfers to other accounts with PBB 2.3.1.1. Ordered in the bank branch BGN 1.00 2.3.1.2. Ordered via the Internet-based channel /WINBANK/ BGN 0.50
Terms and Conditions of Piraeus Bank Bulgaria AD 4 / 23 2.3.2. Transfers to own customer accounts within PBB Free of charge 2.4. Payments through file within the PBB network /mass payment/ 2.4.1. Salary payment via the payroll system By agreement 2.4.2. Mass payments to counterparts subject to agreement 2.5. Inter-bank mass payments BISERA/RINGS 2.6. Direct debits 2.6.1. Direct debit ordered in the bank branch BGN 2.00 2.6.2. Direct debit ordered via the internet-based channel /WINBANK/ BGN 1.00 BGN 0.80/BGN 8 /per payment order/ 2.6.3. Execution of payment per direct debit order : 2.6.3.1. Via BISERA BGN 2.00 2.6.3.2. Via RINGS BGN 12 2.6.3.3. In-house BGN 1.00 Note: For multi-row payment orders, the fee is collected for each single payment order 2.7 Utility payment 2.7.1 Service subscription fee BGN 2 2.7.2 Utility payment fee: 2.7.2.1 from current/saving account BGN 0.25 2.7.2.2 from Maestro debit card BGN 0.25 2.7.2.3 from credit card BGN 0.50 Note: the fee for each sms/e-mail alert related to utility payment is according to the service provider s tariff 2.8 Fee for amendment /cancelation of BGN payment order 2.8.1 Via BISERA BGN 5 2.8.2 Via RINGS BGN 10 3. PAYMENTS IN FOREIGN CURRENCIES 3.1. Outgoing Inter-bank Payments 3.1.1. Non-express payments 3.1.1.1. Ordered in the bank branch 0.20%, min. BGN 40, max. BGN 600 +SWIFT Fee BGN 20 3.1.1.2. Ordered via the Internet-based channel /WINBANK/ 0.20%, min. BGN 40, max. BGN 400 +SWIFT Fee BGN 20 3.1.2. Express payments (applied upon request) 3.1.2.1. Ordered in the bank branch 0.30%, min. BGN 60, max. BGN 800 + SWIFT Fee BGN 20 3.1.2.2. Ordered via the Internet-based channel /WINBANK/ 0.30%, min. BGN 40, max. BGN 600 + SWIFT Fee BGN 20 3.1.3. Conditional transfer charged as an issuance of a confirmed LC 3.1.4. Cash transfer to a company account with Piraeus Bank Bulgaria Note: The fee is not applicable when the cash transfer is made by company s employees 3.2. Incoming Inter-bank Payments 3.2.1. Payable to account in our books 0.5% (min. BGN 10 0.1%, min. BGN 20, max. BGN 200 3.2.2. Paid in cash in favour of beneficiaries, which are not clients of the Bank 0.2%, min. BGN 40, max. BGN 400 3.2.3. Return of payments as per the request of the beneficiary charged as an outgoing transfer 3.3. In-house Payments 3.3.1. Transfers to other PBB accounts 3.3.1.1. Ordered in the bank branch Flat BGN 6 Note: In case that the beneficiary is non-resident the fees for inter-bank payments in foreign currency specified in point 3.1.1.1 shall be applied 3.3.1.2. Ordered via the Internet-based channel /WINBANK/ Flat BGN 3 3.3.2. Transfers to own customer accounts with PBB Free of charge 3.4. Payments through file within the PBB network 3.4.1. Salary payment via the payroll system By agreement
Terms and Conditions of Piraeus Bank Bulgaria AD 5 / 23 3.4.2. Mass payments to counterparts subject to agreement 3.5. Intra-Group payments No Borders /Payments within Piraeus Bank Group/ As per separate Tariff 3.6. Other expenses 3.6.1. Inquiry regarding foreign currency payment as per request of the client Flat BGN 30 + SWIFT fee BGN 20 3.6.2. Manual processing of incoming customer transfers with missing or incorrect IBAN of BGN 10 beneficiary 3.6.3. Amendment/ Cancellation/Return Flat BGN 60.00 + actual costs + SWIFT fee BGN 20 4. COMMUNICATION CHARGES 4.1. SWIFT 4.1.1. Swift Flat BGN 20 4.2. Payment Dispatching Fee Flat BGN 20 4.3. Telex 4.3.1. Telex flat BGN 4.00 + VAT 4.3.2. Telex to other banks under foreign currency payments Flat BGN 5 + VAT 4.4. Fax 4.4.1. flat BGN 4.00 + VAT Per page in Bulgaria 4.4.2. flat BGN 6.00 + VAT Per page abroad 4.5. Other Expenses 4.5.1. Test Key offering Flat BGN 20 + VAT 4.5.2. Third party test keys verification Flat BGN 50 + VAT 4.5.3. Photocopy of document from the current year Flat BGN 2 + VAT /per page/ 4.5.4. Photocopy of document from previous years Flat BGN 3 + VAT /per page/ 4.5.5. Duplicate of saving account /passbook/ Flat BGN 3+ VAT 4.6. Courier 4.6.1. 1. For Bulgaria Actual costs (min BGN 4) + VAT 4.6.2. 2. For abroad Actual costs (min BGN 40) + VAT 5. CUT - OFF TIMES and VALUE DATES 5.1. Cut - off times for submission of payment orders 5.1.1. For execution of a foreign currency payment 15:30 H 5.1.2. For execution of an express foreign currency payment For EUR and USD: 12:30H For all other currencies 09:30 H 5.1.3. For execution of payments in BGN via BISERA with same day value date 13:00 H 5.1.4. For execution of payments in BGN via RINGS 15:00 H 5.2. Value Dates 5.2.1. Applied for BGN payments 5.2.1.1. Incoming Value date is the day of transaction 5.2.1.2. Outgoing Value date is the day of transaction 5.2.2. Applied for foreign currency payments 5.2.2.1. Incoming The business day on which of the payment is credited to the Bank s account 5.2.2.2. Outgoing
Terms and Conditions of Piraeus Bank Bulgaria AD 6 / 23 5.2.2.2.1. For payment orders in EUR At the latest by the next business day after receipt of the payment order, plus one business day for payment orders initiated on paper, unless otherwise instructed 5.2.2.2.2. For payment orders in other currencies Within four business days after receipt of the payment order, unless otherwise instructed 5.2.2.3. In-house The date of the payment order 6. CHEQUES 6.1. Cheques and Bank Drafts 6.1.1. Collection 6.1.1.1. Up to EUR 200 (or equivalent) Flat BGN 20 6.1.1.2. Over EUR 200 (or equivalent) 0.2%, min BGN 40, max. BGN 200 6.1.1.3. Immediate payment No service 6.1.1.4. Return of unpaid cheques Flat BGN 30 6.1.2. Issuance of cheques 6.1.2.1. For Individuals Drawn on a Piraeus Bank Bulgaria's correspondent 0.2%, min BGN 20, max. 1000 6.1.2.2. For legal entities Drawn on a Piraeus Bank Bulgaria's correspondent 0.2%, min BGN 40, max. 1000 6.1.2.3. Cheques cancellation Flat BGN 60 + actual cost Note: *The services per this chapter are provided only to clients who have active credits at the moment of presentation of the cheque at the Bank s counters. **The Bank collects the commissions per this chapter plus the courier fees at the moment of presentation of the cheque at the Bank s counters. Additional of BGN 70 per item (for covering the correspondents ) is blocked on the customer s account. ***In addition to the fees in this chapter, the Bank shall collect from the customers all courier expenses for sending cheques. ****Additional correspondent bank will be applied, if any 7. INTERNET BANKING 7.1. Registration fee for companies and Individuals Free of charge 7.2. Monthly fees for companies and individuals 7.2.1. Monthly fee for performing transactions secured by one-time password delivered by SMS to customer s mobile phone Companies 7.2.2. Monthly fee for performing transactions secured by one-time password delivered by SMS to customer s mobile phone Individuals 7.3. Annual fees companies and individuals 7.3.1. Annual fee for performing transactions secured by one-time password from e- token device Companies 7.3.2. Annual fee for performing transactions secured by one-time password frоm e- token device Individuals Free of charge Free of charge BGN 25 + VAT per device BGN 20 + VAT per device Note: Customers that pay annual fee for performing transactions secured by one-time password frоm e-token device are registered for the additional security delivered by SMS to a mobile phone free of charge 7.4 Fee for replacement of e-token device due to loss, theft or damage caused by the customer BGN 50 + VAT 8. MOVEMENT ACCOUNT SERVICES Service BGN EUR USD other FC 8.1. Account opening fee Free of charge Free of charge Free of charge Free of charge 8.1.1. Fee for opening of company account Piraeus Express Business BGN 20 BGN 20 BGN 40 BGN 40 8.1.2. Fee for opening of individual s saving account Piraeus Fair Play BGN 2 BGN 2 n/a n/a 8.1.3. One-off fee for opening of joint account BGN 10 BGN 10 BGN 10 BGN 10
Terms and Conditions of Piraeus Bank Bulgaria AD 7 / 23 8.2. Account maintenance fee monthly for individuals BGN 1 BGN 1 BGN 1 BGN 1 8.3. Account maintenance fee monthly for companies BGN 8 BGN 10 BGN 10 BGN 10 Note: Account maintenance fee is not due by individuals who receive their salaries on accounts held with the Bank 8.4. Minimum balance required for individuals in all currencies BGN 5 EUR 5 USD 5 The equivalent of 5 currency units 8.5. Minimum balance required for companies BGN 20 EUR 50 USD 50 BGN 100 8.6. Mail Boxes/ Hold mail BGN 10+VAT on annual basis BGN 10+VAT on annual basis BGN 10+VAT on annual basis BGN 20 +VAT on annual basis 8.7. Account statement - Mail abroad Real cost Real cost Real cost Real cost 8.8. Account closing fee Free of charge Free of charge Free of charge Free of charge 8.9. Special account for registration of capital - opening fee BGN 10 BGN 10 BGN 10 not offered 8.10. Monthly account maintenance fee for saving and deposit accounts Free of charge Free of charge Free of charge Free of charge 8.11. Monthly maintenance fee for joint accounts BGN 5 EUR 5 USD 5 The equivalent of 5 currency units 8.12. Monthly maintenance fee for accounts in OraSyS BGN 5 n/a n/a n/a Note: the Bank does not offer saving accounts for companies 9.1. Cash Withdrawals 9.1.1. Cash withdrawals individuals with written notice 9.1.2. Cash withdrawals - companies with written notice 9. CASH TRANSACTIONS Service BGN EUR USD other FC Over 2000 BGN-0.4% on max. BGN 800 Over 2000 BGN-0.35% on max. BGN 800 9.1.3. Withdrawals without written notice - if it is possible 9.1.3.1 For individuals Over 2000 BGN-0.5% on without max., 9.1.3.2 For legal entities Over 2000 BGN-0.5% on 9.1.4. Not-withdrawals of an, announced with a written notice of a cash withdrawal 9.1.5. Cash withdrawals from term deposits 9.1.5.1. On a maturity date or on the first following working day in case that the maturity date is a non-working day without max., 0.5% on the without max. Over 2000 EUR-0.4% on max. BGN 800 Over 3000 EUR-0.4% on max. BGN 800 Over 2000 EUR-0.6% on without max., Over 3000 EUR-0.6% on without max., 0.5% on the without max. Over 2000 USD- 0.4% on max. BGN 800 Over 3000 USD- 0.4% on max. BGN 800 Over 2000 USD- 0.6% on without max., Over 3000 USD- 0.6% on without max., 0.5% on the without max. For other FC - 0.7% on the max. BGN 1000 for other FC - 0.7% on the max. BGN 1000 0.7% on the without max. 0.7% on the without max. 0.7% on the without max. Free of charge Free of charge Free of charge Free of charge 9.1.5.2. On non-maturity day As per point 9.1.1 or 9.1.2 or 9.1.3 here above NOTE: For cash withdrawals of s exceeding the indicated above, a written notice should be submitted one business day in advance, but not later than 15:00 h 9.1.6 Fee for cash withdrawals with other banks debit cards (BORICA, MAESTRO, VISA 1.5%, min. BGN 5 ELECTRON) on POS terminal of PBB 9.1.7 Fee for cash withdrawals with other banks credit cards (VISA, MASTERCARD) on POS 3%, min. BGN 10 terminal of PBB 9.2. Cash Deposits 9.2.1. Value date for cash deposits Same day value Same day value Same day value Next day value 9.2.2. Cash deposits - individuals Over 3000 BGN-0.1% on max. BGN 300 Over 2000 EUR-0.2% on max. 300 BGN Over 2000 USD- 0.2% on max. BGN 300 BGN 500 9.2.3. Cash deposits - companies - non sorted notes Over 2000 BGN-0.3% on Over 3000 EUR-0.5% on Over 3000 USD- 0.5% on For other FC - 0.7% on the max. 0.7% on the max.
Terms and Conditions of Piraeus Bank Bulgaria AD 8 / 23 max. BGN 600 9.2.4. Cash deposits - companies - sorted notes Over 2000 BGN-0.1% on max. BGN 300 9.2.5. Cash deposits from companies and individuals 2.5% on the sorted coins, min. 9.2.6. Cash deposits from companies and individuals non sorted coins BGN 2 4% on the, min. BGN 2 max. 600 BGN Over 3000 EUR-0.2% on max. 300 BGN max. BGN 600 Over 3000 USD- 0.2% on max. BGN 300 BGN 800 0.7% on the max. 600 BGN 9.2.7. Cash deposits for term deposits Free of charge Free of charge Free of charge Free of charge NOTE: Cash deposits /companies and individuals/ for repayment of credit facilities are free of charge NOTE: The value date of operation for cash deposits in foreign currency is the same day if the repayment of credit in foreign currency is concerned and the maturity date of that credit is the current working day NOTE: The limits for cash deposits and withdrawals are defined on a daily basis. For any excess over the daily limits defined herein, the fees and commissions envisaged in this chapter shall be applied. 9.3. Coins and banknotes 9.3.1. Counting and exchange of coins for banknotes BGN-5.0% on without max., 9.3.2. Processing, counting and exchange of banknotes not intended to be deposited to the bank accounts 5% on the, min BGN 10 not offered not offered not offered 5% on the, min BGN 10 subject to 5% on the, min BGN 10 subject to 9.3.3. Cash collection with a cash collection vehicle subject to negotiation negotiation negotiation 9.3.4. Replacement of damaged and unfit banknotes 3% on the 10% on the 10% on the 9.4. Exchange of foreign currency 9.4.1. Foreign exchange cash operations executed after 17:00 h in the regular business days and in nonworking days /including weekends and official holidays/. not offered subject to negotiation 10% on the BGN 2.00 10. ISSUING OF REFERENCES AND CERTIFICATES 10.1. Bank reference in Bulgarian language BGN 30 + VAT 10.2. Bank reference in foreign language BGN 80 + VAT 10.3. Bank certificate in Bulgarian language BGN 5 + VAT 10.4. Bank certificate in foreign language BGN 20 + VAT 10.5. Bank certificate with confirmation of the account balance BGN 20 + VAT 10.6. Bank confirmation of the account balance for financial institutions BGN 100 + VAT 10.7. Audit confirmation fee BGN 100 + VAT 11. SAFE BOXES Size 1 month 3 months 6 months 1 year 11.1. Safe Box - size 60 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT 11.2. Safe Box - size 70 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT 11.3. Safe Box size 75 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT 11.4. Safe Box size 80 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT 11.5. Safe Box size 90 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT 11.6. Safe Box size 95 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT 11.7. Safe Box size 100 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT 11.8. Safe Box size 120 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT 11.9. Safe Box size 150 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT 11.10. Safe Box size 180 mm BGN 70+VAT BGN 85+VAT BGN 100+VAT BGN 200+VAT 11.11. Safe Box size 200 mm BGN 70+VAT BGN 85+VAT BGN100+VAT BGN 200+VAT 11.12. Safe Box size 250 mm BGN 70+VAT BGN 85+VAT BGN100+VAT BGN 200+VAT 11.13. Safe Box size 280 mm BGN 70+VAT BGN 85+VAT BGN100+VAT BGN 200+VAT
Terms and Conditions of Piraeus Bank Bulgaria AD 9 / 23 11.14. Safe Box size 290 mm BGN 70+VAT BGN 85+VAT BGN100+VAT BGN 200+VAT 11.15. Safe Box size 300 mm BGN 70+VAT BGN 85+VAT BGN100+VAT BGN 200+VAT 11.16. Safe Box size 360 mm BGN100+VAT BGN120+VAT BGN 140 +VAT BGN 280+VAT 11.17. Safe Box size 368 mm BGN100+VAT BGN120+VAT BGN 140 +VAT BGN 280+VAT 11.18. Safe Box size 400 mm BGN125+VAT BGN150+VAT BGN175+VAT BGN350+VAT 11.19. Safe Box size 450 mm BGN125+VAT BGN150+VAT BGN175+VAT BGN350+VAT 11.20. Safe Box size 500 mm BGN180+VAT BGN225+VAT BGN250+VAT BGN500+VAT 11.21. The lease payment includes 1 /one/ free of charge visit in the vault premises per week. For each extra visit an additional fee of BGN 5 + VAT shall be collected 11.22. Penalty in case the safe box is not released and the lease for the next period is not paid Doubled of the lease price in proportion for each day of delay considered as from the day following the date of expiry of the term of agreement up to the date of signing a new safe box lease agreement or up to the date of release of the safe box Note: The lease shall be paid in advance at the time of signing of the Agreement or renewal through an account previously opened with the Bank under the name of the Lessee 12. DOCUMENTARY OPERATIONS AND BANK GUARANTEES 12.1. DOCUMENTARY /CLEAN COLLECTIONS Collections are handled in accordance with the ICC Uniform Rules for collections of the International Chamber of Commerce in Paris and legislation requirements currently in force Documentary collections means collection of: 1. Financial documents accompanied by commercial documents 2. Commercial documents not accompanied by financial documents Clean collection means collection of financial documents not accompanied by commercial documents. Note: Cheques and bank drafts are not subject of this chapter and are covered by chapter Cheques 12.1.1. Received Documentary/Clean Collections 12.1.1.1. Documents against acceptance 0.25% (min. BGN 100, max. BGN 600) 12.1.1.2. Documents against payment 0.2% (BGN 80, max. BGN 500) 12.1.1.3. Documents Free payment 0.15% (min. BGN 100, max. BGN 250) 12.1.1.4. Release of documents covering delivery of goods consigned to the Bank after BGN 100 payment or acceptance 12.1.1.5. Amendment of any collection instructions BGN 60 12.1.1.6. Avalizing of financial documents: 12.1.1.6.1. Secured with cash 0.2% per quarter or part thereof (min. BGN 100) 12.1.1.6.2. Secured with other collateral By arrangement (per quarter or part thereof) 12.1.1.7. Payment (with value date two business days after receipt of instructions within the cur-off times and conditions stipulated in chapter Miscellaneous ) 0.1% (min. BGN 20, max. BGN 100) plus 12.1.1.8. Payment with shorter value date 0.2% (min. BGN 40, max. BGN 200) plus 12.1.1.9. Advice of non-payment/non-acceptance tracers BGN 50 12.1.1.10. Return of unpaid documents BGN 60 plus postal/courier 12.1.1.11. Query, tracer, other correspondence (upon request) BGN 50 plus 12.1.1.12. Maturity control for deferred payment 0.1% per quarter or part thereof (min BGN 60, max. BGN 300) 12.1.1.13. Safe keeping of accepted financial documents after maturity pending instructions 0.1% per quarter or part thereof (min BGN 40, max. BGN 200) 12.1.1.14. Safe-keeping of unclaimed, unaccepted documents (after one month from presentation) BGN 40 per month or part thereof 12.1.1.15. Transfer of collection to another bank BGN 60 plus postal/courier Note: The Bank does not undertake to protest in case of non-payment or non-acceptance 12.1.2. Sent Documentary/Clean Collections
Terms and Conditions of Piraeus Bank Bulgaria AD 10 / 23 12.1.2.1. Documents against acceptance or payment 0.25% (min. BGN 100, max. BGN 600) plus postal/courier 12.1.2.2. Documents Free of payment 0.15% (min. BGN 100, max. BGN 250) plus postal/courier 12.1.2.3. Amendment of any collection instructions BGN 80 plus communication/courier 12.1.2.4. Payment 0.1% (min. BGN 10, max. BGN 100) 12.1.2.5. Claims for non-payment, query, tracer, other correspondence (upon request) BGN 50 plus 12.1.2.6. Photocopy of the documents for the bank files (if not presented by the Client) as per point 4.5.3 12.1.2.7. Surcharge for urgent processing (upon request) BGN 50 12.2. DOCUMENTARY CREDITS Documentary credits are handled in accordance with the ICC Uniform Customs and Practice for Documentary credits of the International Chamber of Commerce in Paris and legislation requirements currently in force The commissions and fees for Documentary Credits apply for conditional payments, documentary guarantees (guarantees with characteristics of Documentary Credit) and standby letters of credit. Issuing, revolving, increase and/or extension of Documentary Credits is subject to prior approval by the competent bank authorities. 12.2.1. Issued Documentary Credits 12.2.1.1. Pre-advice BGN 100 plus 12.2.1.2. Issuing: 1. Secured with cash 0.25% per quarter or part thereof (min. BGN 100) plus communication 2. Secured with other collateral By arrangement Note: The commission shall be collected upon issue of the Documentary Credit on the whole for the for the whole period of validity and the collected commission is not refundable in case of cancellation or if the Documentary Credit expires unutilized. For Documentary Credits with allowed tolerance in, the commission shall be calculated on the maximum (Documentary Credit plus of the allowed tolerance) 12.2.1.3. Handling and payment (for each set of documents) 0.1% (min. BGN 50) plus 12.2.1.4. Amendment (excluding increase of and/or extension of validity) BGN 80 plus 12.2.1.5. Increase of issuing commission on the of the increase for the whole remaining period of validity plus 12.2.1.6. Extension of the validity 1. Within the quarter for which the commission has been collected BGN 80 plus 2. For a new quarter or part thereof issuing commission on the actual plus 12.2.1.7. Revolving Issuing commission on the revolving for the whole new period of validity 12.2.1.8. Discrepancy fee (for each set of discrepant documents) BGN 100 plus 12.2.1.9. Cancellation before expiry BGN 100 plus 12.2.1.10. Deferred payment/acceptance (for the period after expiry of validity) 0.1% per month or part thereof (min BGN 100) 12.2.1.11. Arrangement of confirmation by another bank (additionally to issuing commission) By arrangement (min. BGN 100) plus commission 12.2.1.12. Surcharge for quick processing (upon request) BGN 50 12.2.1.13. Surcharge for urgent processing (upon request) BGN 100 12.2.1.14. Surcharge for additional work, complexity, consultancy (without engagement), preparation of special texts, etc. By arrangement (min. BGN 50)
Terms and Conditions of Piraeus Bank Bulgaria AD 11 / 23 12.2.1.15. SWIFT/telex for issue of Documentary Credit BGN 60 12.2.1.16. SWIFT/telex for pre-advise, amendment, request for cancellation, conditional BGN 30 payment, revolving, advice of discrepancy 12.2.2. Received Documentary credits 12.2.2.1. Transmission to another bank for authentication purposes without engagement (at the request of issuing bank) BGN 60 plus 12.2.2.2. Pre advice BGN 60 12.2.2.3. Advising without adding confirmation (including advising of received transferred Documentary Credit and received Assignment of Proceeds) 0.1% (min. BGN100, max. BGN 1000) 12.2.2.4. Confirmation (additionally to advising commission) By arrangement (per quarter or part thereof) Note: The commission shall be collected on the whole for the whole period of validity and the collected commission is not refundable in case of cancellation or if the Documentary Credit expires unutilized. For Documentary Credits with allowed tolerance in, the commission shall be calculated on the maximum (Documentary Credit plus of the allowed tolerance) 12.2.2.5. Advice of amendment (excluding increase of for not confirmed and increase of and/or extension of validity for confirmed Documentary Credits) BGN 60 12.2.2.6. Preliminary check of documents at the request of the client (for each presentation) BGN 70 12.2.2.7. Second check of documents returned for collection additionally to handling and BGN 70 payment commission (for each presentation) 12.2.2.8. Handling and payment (for each set of documents) 0.2% (min. BGN 100, max. BGN 2000) 12.2.2.9. Handling and forwarding of discrepant documents on collection basis/handling and forwarding of documents under Documentary Credits available with another bank 0.15% (min. BGN 75, max. BGN 1000) 12.2.2.10. Deferred payment /acceptance control (as from the date of sending of documents) 1. For confirmed Documentary Credits 0.1% per month or part thereof (min. BGN 100, max. BGN 500) 2. For not confirmed Documentary Credits BGN 100 12.2.2.11. Negotiation/discounting By arrangement 12.2.2.12. Transfer of transferable Documentary Credits 1. Adding confirmation By arrangement (per quarter or part thereof) 2. Without adding confirmation 0.2% (min. BGN 100) 12.2.2.13. Assignment of proceeds 0.15% (min. BGN 100) plus communication 12.2.2.14. Reimbursement claim BGN 20 plus 12.2.2.15. Cancellation before expiry BGN 100 12.2.2.16. Photocopy of the documents for the bank files (if not presented by the Client) BGN 0.5 per page 12.2.2.17. Surcharge for additional work, complexity, consultancy (without engagement), preparation of special texts, etc. 12.2.2.18. Surcharge for quick processing (upon request) BGN 50 12.2.2.19. Surcharge for urgent processing (upon request) BGN 100 By arrangement (min. BGN 50) 12.3. BANK GUARANTEES Guarantees are handled in accordance with the respective ICC rules and legislation requirements currently in force Issuing, revolving, increase and/or extension of bank guarantee is subject to prior approval by the competent bank authorities Documentary guarantees (guarantees with characteristics of Documentary Credit ) are treated as Documentary Credits 12.3.1. Issued bank guarantees 12.3.1.1. Application fee for new limit for issuance of LG for SME clients BGN 50 for limits up to BGN 50 000; BGN 100 for limits over BGN 50 000 Note: applications with cash collateral equal to or above 100% of the exposure will be free of charge 12.3.1.2. Application fee for a new limit for issuance of LG for corporate clients Free of charge 12.3.1.3. Bid bonds (participation in tenders) Secured with cash 0.35% per quarter or part thereof (min. BGN 100) plus communication Secured with other collateral 0.50% per quarter or part thereof (min. BGN 200) plus communication
Terms and Conditions of Piraeus Bank Bulgaria AD 12 / 23 12.3.1.4. Performance bonds, payment guarantees, guarantees in favour of Bulgarian Customs Authorities, etc. Secured with cash 0.35% per quarter or part thereof (min. BGN 100) plus communication Secured with other collateral 0.75% per quarter or part thereof (min. BGN 200) plus communication 12.3.1.5. Advance payment guarantees Secured with cash 0.35% per quarter or part thereof (min. BGN 100) plus communication Secured with other collateral 0.75% per quarter or part thereof (min. BGN 200) plus communication 12.3.1.6. Issue of a guarantee against a counter-guarantee By arrangement (min. BGN 200) plus Note: The commission shall be collected upon issue of the guarantee on the whole for the whole period of validity and the collected commission is not refundable upon decrease of the Bank s commitment or cancellation before expiry. For open-ended guarantees the commissions shall be collected on yearly basis. 12.3.1.7. Amendment (excluding increase of and extension of validity) BGN 80 plus 12.3.1.8. Increase of Issuing commission on the of the increase plus communication 12.3.1.9. Extension of the validity 1. Within the quarter for which the sum has been collected BGN 80 plus 2. For a new quarter or part thereof Issuing commission on the actual plus 12.3.1.10. Payment 0.15% (min. BGN 100, max. BGN 1000) plus 12.3.1.11. Cancellation before expiry of the validity (open-ended guarantees excluded) BGN 50 plus 12.3.1.12. Surcharge for quick processing BGN 50 12.3.1.13. Surcharge for urgent processing BGN 100 12.3.1.14. Surcharge for additional work, complexity, consultancy (without engagement), preparation of special texts, etc. By arrangement (min. BGN 50) 12.3.1.15. SWIFT/telex for issue of bank guarantee BGN 60 12.3.1.16. SWIFT/telex for amendment, query, request for cancellation BGN 30 12.3.2. Received Bank Guarantees 12.3.2.1. Advice without engagement 0.1% (min. BGN 100, max. BGN 500) 12.3.2.2. Advice of amendment (excluding increase of ) BGN 60 12.3.2.3. Advice of amendment increase of Advising fee on the of the increase 12.3.2.4. Claim for payment to the issuing bank ( for each claim) BGN 100 plus 12.3.2.5. Payment 0.1% (min. BGN 100, max. BGN 400) 12.3.2.6. Discounting/ acceptance By arrangement 12.3.2.7. Assignment of proceeds/beneficiary s rights 0.15% (min. BGN 100) 12.3.2.8. Transmission to another bank for authentication purposes without engagement (at the request of issuing bank BGN 60 plus 12.3.2.9. Verification of authenticity of guarantee received directly by the beneficiary (upon beneficiary s request) BGN 60 plus 12.3.2.10. SWIFT for queries, advice of reduction or release, verification of authenticity, BGN 30 transmission to another bank, etc. 12.3.2.11. Verification of authenticity and authorized signatures of Client s claim which will be sent by the Client directly to the issuing bank (upon request) BGN 50 plus 12.3.2.12. Cancellation of Claim to the issuing bank on behalf of the Client BGN 50 plus
Terms and Conditions of Piraeus Bank Bulgaria AD 13 / 23 Note: Received bank guarantees in favour of the Bank (and accepted by the Bank) as security for credit facility are free of charge for the client 12.4. DOCUMENTARY OPERATIONS MISCELLANEOUS 12.4.1. Cut-off times and terms of execution Applications, orders, instructions, documents presented until 15:30 will ce considered as presented on the day of presentation (after 15:30 will be considered as presented on the next working day) and terms of execution will start to count from this day only under the condition that they are thoroughly completed, fully comly with the requirements of the legislation in force, the collaterals (if required) are provided and the Client has enough funds for performing the transaction and the payment of the due fees and commissions. In case either of the above conditions is not fulfilled, the terms of execution will not start to count. Consequently as day of presentation will be considered the day of full completion of the conditions stipulated and the terms will start to count as of this day. 12.4.1.1. Standard processing of application for issue, amendment of Documentary Credit or 16 working hours Guarantee 12.4.1.2. Quick processing of application for issue, amendment of Documentary Credit or 12 working hours Guarantee 12.4.1.3. Urgent processing of application for issue, amendment of Documentary Credit or 6 working hours Guarantee 12.4.1.4. Standard checking of presented documents under received Documentary Credit 36 working hours 12.4.1.5. Quick checking of presented documents under received Documentary Credit 24 working hours 12.4.1.6. Urgent checking of presented documents under received Documentary Credit 12 working hours 12.4.1.7. Standard processing of Collection instruction 16 working hours 12.4.1.8. Urgent processing of Collection instruction 8 working hours 12.4.2. Value Dates 12.4.2.1. For incoming payments under documentary operations in foreign currency One business day after receipt of the funds by the bank 12.4.2.2. For outgoing payments under documentary operations in foreign currency Two business days after receipt of instructions (within cut-off times and conditions stipulated) 12.4.2.3. For incoming payments under documentary operations in BGN Date of receipt of the funds by the bank 12.4.2.4. For outgoing payments under documentary operations in BGN One business day after receipt of instructions (within cut-off times and conditions stipulated) 12.4.2.5. For internal payments under documentary operations Value date is the date of transaction Note 1: The value date for outgoing payments are applicable only if the payment is instructed by the Client (under Collection, accepted for payment discrepant documents, etc.) and no other engagement is undertaken by the bank (in issued Documentary Credit or Guarantee, availed financial document, etc.) Note 2: Business day means: Bulgarian and currency of transaction business days Note 3: Shorter value date means: the same day or next business day after receipt of instructions ( within the cut-off times and conditions stipulated) and depends on the business days ( as specified above) and cut-off times of the correspondent banks and the banking system 12.4.3. Communication and other 12.4.3.1. SWIFT/telex for all cases not specified explicitly above BGN 20 12.4.3.2. Courier 1. For Bulgaria Actual costs (min BGN 4) + VAT 2. For abroad Actual costs + VAT 12.4.3.3. Postal 1. For Bulgaria Actual costs (min. BGN 4) + VAT 2. For abroad Actual costs (min BGN 8) + VAT 12.4.3.4. For services related with Documentary Operations rendered by e-mail (upon request) 1. For Bulgaria BGN 2 per message 2. For abroad BGN 5 per message 12.4.3.5. For services related with Documentary operations rendered by fax 1. For Bulgaria BGN 2 per page 2. For abroad BGN 5 per page 12.4.3.6. Photocopy of documents related with Documentary operation from the current year BGN 2 per page + VAT (within 1 working day after written request) 12.4.3.7. Photocopy of documents related with Documentary Operation from previous years ( within 5 working days after written request) BGN 3 per page + VAT
Terms and Conditions of Piraeus Bank Bulgaria AD 14 / 23 12.4.3.8. Test key providing /Test key verification (related with Documentary operation) BGN 50 12.5. GENERAL PROVISIONS 12.5.1. For each service provided, the tariff valid on the day of performing of the service shall be applied 12.5.2. The stated terms of execution specify the latest term. In case of earlier execution the Client will not be charged additionally. The terms may be extended by the Bank in case of force majeure circumstances. The Bank shall not be held liable for any delays in the performance or non-performance of the services if the delay or non-performance was due to circumstances or reasons beyond the control of the Bank. 12.5.3. The commissions and fees under Documentary Operations are collected at the time of performance of the service and are due even if it is not utilized. Collected fees and commissions are not refundable. 12.5.4. The fees and commissions of other banks and other fees which have originated in the process of execution of the order of the Client, will be charged to the Client according to the actual cost. The Bank shall be entitled to collect the due fees and commissions from the Client provided that the Client s instructions do not indicate whom they are chargeable to, or provided that it is specified that they are chargeable to the beneficiary, but the Bank has failed to collect them from the latter. 13. BANK CARDS 13.1. Domestic Debit Card Borica 13.1.1. Issuing of a bank card : standard issuing - up to 10 working days Free of charge issue of additional card to a primary card Free of charge 13.1.2. Renewal due to card expiration period Free of charge 13.1.3. Re-issue of a card in case of damage, loss, larceny or customer request BGN 5 13.1.4. Debit card maintenance monthly fee BGN 0.60 13.1.5. ATM cash withdrawals: on ATM of PIRAEUS BANK BGN 0.15 on ATM of other bank BGN 0.60 13.1.6. Cash withdrawals on electronic POS terminal device on POS of PIRAEUS BANK - for s up to BGN 3000 BGN 0.25 - for s above BGN 3000 BGN 0.25 + 0.2% on the on POS of other banks BGN 0.25 13.1.7. Purchase of goods and services on POS terminal Free of charge 13.1.8. Payment of utilities on ATM terminal BGN 0.25 13.1.9. Funds transfer between bank accounts on ATM Funds transfer card account-current account BGN 0.25 Intra/inter-bank funds transfer BGN 0.50 13.1.10. Balance inquiry on ATM Free of charge 13.1.11. Mini statement on ATM BGN 0.50 13.1.12. Blocking of a card by customer request Free of charge 13.1.13. Card deactivation BGN 1 13.1.14. Ungrounded claim of a transaction BGN 20 13.1.15. Changing of card parameters or limits Free of charge 13.1.16. Minimum balance requested on card account BGN 3 13.2. International debit cards Maestro 13.2.1. Issuing of a bank card : standard issuing - up to 10 working days Free of charge issue of additional card to a primary card Free of charge 13.2.2. Renewal due to card expiration period Free of charge 13.2.3. Re-issue of a card in case of damage, loss, larceny or customer request BGN 5 13.2.4. Debit card maintenance monthly fee BGN 0.60 13.2.5. ATM cash withdrawals: on ATM of PIRAEUS BANK BGN 0.30 on ATM of other banks in Bulgaria BGN 0.90 on ATM of other banks abroad BGN 5 + 1.0% 13.2.6. Cash withdrawals on electronic POS terminal device: on POS of PIRAEUS BANK: - for s up to BGN 3000 BGN 0.25 - for s above BGN 3000 BGN 0.25 + 0,2% on the on POS of other banks in Bulgaria BGN 0.25 on POS of other banks abroad BGN 5 + 1.0% on POS at merchant side (Cash back) BGN 0.30
Terms and Conditions of Piraeus Bank Bulgaria AD 15 / 23 13.2.7. Purchase of goods and services on POS terminal Free of charge 13.2.8. Payment utilities on ATM terminal BGN 0.25 13.2.9. Funds transfers between bank accounts on ATM Funds transfer card account-current account BGN 0.25 Intra/inter-bank funds transfer BGN 0.50 13.2.10. Balance inquiry on ATM Free of charge 13.2.11. Mini statement on ATM BGN 0.50 13.2.12. Blocking of a card by customer request Free of charge 13.2.13. Card deactivation by customer request BGN 1 13.2.14. Ungrounded claim of a transaction BGN 20 13.2.15. Changing of card parameters or limits Free of charge 13.2.16. Minimum balance requested 13.2.16.1. on card account BGN 3 13.2.16.2. on card account Payroll BGN 5 13.2.17. SMS alerts subscription fee* BGN 2 13.2.18. Receiving a card and a PIN code in other branch BGN 10 *Note: the fee for each SMS alert is according to the service provider s tariff 13.3. International debit cards VISA Electron 13.3.1. Issuing of a bank card : standard issuing - up to 10 working days Free of charge issue of additional card to a primary card Free of charge 13.3.2. Renewal due to card expiration period Free of charge 13.3.3. Re-issue of a card in case of damage, loss, larceny or customer request BGN 5 13.3.4. Debit card maintenance annual fee BGN 15.00 13.3.5. ATM cash withdrawals: on ATM of PIRAEUS BANK BGN 0.60 on ATM of other banks in Bulgaria BGN 0.60 on ATM of other banks abroad BGN 5 + 0.5% 13.3.6. Cash withdrawals on electronic POS terminal device: on POS of PIRAEUS BANK: BGN 0.60 on POS of other banks in Bulgaria BGN 0.60 on POS of other banks abroad BGN 5 + 0.5% 13.3.7. Purchase of goods and services on POS terminal Free of charge 13.3.8. Balance inquiry on ATM BGN 0.60 13.3.9. Ungrounded claim of a transaction BGN 20 13.3.10. Minimum balance required 13.3.10.1. on current account BGN 20 13.3.10.2. on saving account Payroll BGN 5 13.3.11. Receiving a card and a PIN code in other branch BGN 10 13.4. International credit cards MasterCard Standard/VISA Classic 13.4.1. Issuing of bank card : standard issuing - up to 10 working days Free of charge issue of additional card to a primary card Free of charge 13.4.2. Renewal due to card expiration period Free of charge 13.4.3. Re-issue of a card in case of damage, loss, larceny or customer request BGN 10 13.4.4. Credit card maintenance annual fee per BGN 50 13.4.5. Annual maintenance fee per additional card BGN 25 13.4.6. ATM cash withdrawals: on ATM of PIRAEUS BANK 3% min. BGN 5 on ATM of other banks in BG & abroad 3% min. BGN 5 13.4.7. Cash withdrawals on electronic POS terminal device: on POS of PIRAEUS BANK: 3.0% min. BGN 8 on POS of other banks in BG & abroad 3.0% min. BGN 8 13.4.8. Purchase of goods and services on POS terminal Free of charge 13.4.9. Balance inquiry on ATM BGN 0.60 13.4.10. Blocking of a card by customer request Free of charge 13.4.11. Card deactivation by customer request annual fee 13.4.12. Ungrounded claim of a transaction BGN 40 13.4.13. New PIN generation BGN 10 13.4.14. Changing of card parameters or limits 0.95% from the approved credit limit 13.4.15. 5% from the over limit Penalty fee over limit transactions 13.4.16. Arbitration BGN 500 13.4.17. Statement generation & mailing free of charge 13.4.18. For additional services offered by VISA International and MasterCard International - as per the VISA International Tariff and MasterCard Tariff 13.4.19. Receiving a card/pin code in other branch BGN 10
Terms and Conditions of Piraeus Bank Bulgaria AD 16 / 23 13.4.20. Retrieval of printed statement BGN 2 per statement per current calendar year BGN 5 per statement per precedent years 13.5. International credit cards MasterCard /VISA Gold 13.5.1. Issuing of bank card : standard issuing - up to 10 working days Free of charge 13.5.2. Renewal due to card expiration period Free of charge 13.5.3. Re-issue of a card in case of damage, loss, larceny or customer request BGN 10 13.5.4. Annual maintenance fee per card BGN 100 13.5.5. Annual maintenance fee per additional card BGN 35 13.5.6. ATM cash withdrawals: on ATM of PIRAEUS BANK 3% min. BGN 5 on ATM of other banks in BG & abroad 3% min. BGN 5 13.5.7. Cash withdrawals on electronic POS terminal device: on POS of PIRAEUS BANK: 3.0% min. BGN 8 on POS of other banks in BG & abroad 3.0% min. BGN 8 13.5.8. Purchase of goods and services on POS terminal Free of charge 13.5.9. Balance inquiry on ATM BGN 0.60 13.5.10. Blocking of a card by customer request Free of charge 13.5.11. Card deactivation by customer request annual fee 13.5.12. Ungrounded claim of a transaction BGN 40 13.5.13. New PIN generation BGN 10 13.5.14. Changing of card parameters or limits 0.95% from the approved credit limit 13.5.15. Penalty fee over limit transactions 5% from the over-limit 13.5.16. Arbitration BGN 500 13.5.17. Statement generation & mailing free of charge 13.5.18. Receiving a card/pin code in other branch BGN 10 13.5.19. Retrieval of printed statement BGN 2 per statement per current calendar year BGN 5 per statement per precedent years For additional services offered by VISA International and MasterCard International - as per the VISA International Tariff and MasterCard Tariff 13.6. International credit cards MasterCard Business / VISA Business 13.6.1. Issuing of bank card : standard issuing - up to 10 working days BGN 30 issue of additional card to a primary card BGN 30 13.6.2. Renewal due to card expiration period Free of charge 13.6.3. Re-issue of a card in case of damage, loss, larceny or customer request BGN 10 13.6.4. Annual maintenance fee per card BGN 60 13.6.5. ATM cash withdrawals: on ATM of PIRAEUS BANK 1.5% min. BGN 6 on ATM of other banks in BG & abroad 1.5% min. BGN 6 13.6.6. Cash withdrawals on electronic POS terminal device: on POS of PIRAEUS BANK: 3.0% min. BGN 10 on POS of other banks in BG & abroad 3.0% min. BGN 10 13.6.7. Purchase of goods and services on POS terminal Free of charge 13.6.8. Balance inquiry on ATM BGN 0.60 13.6.9. Blocking of a card by customer request Free of charge 13.6.10. Card deactivation by customer request annual fee 13.6.11. Ungrounded claim of a transaction BGN 40 13.6.12. New PIN generation BGN 10 13.6.13. Changing of card parameters or limits 0.95% from the approved credit limit 13.6.14. Penalty fee over limit transactions 5% from the overlimit 13.6.15. Arbitration BGN 500 13.6.16. Statement generation & mailing free of charge 13.6.17. Receiving a card/pin code in other branch BGN 10 13.6.18. Retrieval of printed statement BGN 2 per statement per current calendar year BGN 5 per statement per precedent years For additional services offered by VISA International and MasterCard International - as per the VISA International Tariff and MasterCard Tariff 13.7. Charity cards Piraeus UNICEF 13.7.1. Charity credit cards Piraeus UNICEF
Terms and Conditions of Piraeus Bank Bulgaria AD 17 / 23 13.7.1.1 Issuing of bank card : standard issuing - up to 10 working days Free of charge issue of additional card to a primary card Free of charge 13.7.1.2 Renewal due to card expiration period Free of charge 13.7.1.3 Re-issue of a card in case of damage, loss, larceny or customer request BGN 10 13.7.1.4 Maintenance monthly fee per main card BGN 3.50 13.7.1.5 Maintenance monthly fee per additional card BGN 2.00 13.7.1.6 ATM cash withdrawals: on ATM of PIRAEUS BANK 3% min. BGN 5 on ATM of other banks in BG & abroad 3% min. BGN 5 13.7.1.7 Cash withdrawals on electronic POS terminal device: on POS of PIRAEUS BANK: 3.0% min. BGN 8 on POS of other banks in BG & abroad 3.0% min. BGN 8 13.7.1.8 Purchase of goods and services on POS terminal Free of charge 13.7.1.9 Balance inquiry on ATM BGN 0.60 13.7.1.10 Blocking of a card by customer request Free of charge 13.7.1.11 Card deactivation by customer request annual fee 13.7.1.12 Ungrounded claim of a transaction BGN 40 13.7.1.13 New PIN generation BGN 10 13.7.1.14 Changing of card parameters or limits 0.95% from the approved credit limit 13.7.1.15 Penalty fee over limit transactions 5% from the over limit 13.7.1.16 Arbitration BGN 500 13.7.1.17 Statement generation & mailing free of charge 13.7.1.18 Receiving a card/pin code in other branch BGN 10 13.7.1.19 Retrieval of printed statement BGN 2 per statement per current calendar year BGN 5 per statement per precedent years 13.7.2. Charity debit cards Piraeus UNICEF 13.7.2.1 Issuing of a bank card : standard issuing - up to 10 working days Free of charge issue of additional card to a primary card Free of charge 13.7.2.2 Renewal due to card expiration period Free of charge 13.7.2.3 Re-issue of a card in case of damage, loss, larceny or customer request BGN 5 13.7.2.4 Debit card maintenance monthly fee BGN 2.50 13.7.2.5 ATM cash withdrawals: on ATM of PIRAEUS BANK BGN 0.00 on ATM of other banks in Bulgaria BGN 0.00 on ATM of other banks abroad BGN 5 + 1.0% 13.7.2.6 Cash withdrawals on electronic POS terminal device: on POS of PIRAEUS BANK: - for s up to BGN 3000 BGN 0.25 - for s above BGN 3000 BGN 0.25 + 0,2% on the on POS of other banks in Bulgaria BGN 0.25 on POS of other banks abroad BGN 5 + 1.0% on POS at merchant side (Cash back) BGN 0.30 13.7.2.7 Purchase of goods and services on POS terminal Free of charge 13.7.2.8 Payment utilities on ATM terminal BGN 0.25 13.7.2.9 Funds transfers between bank accounts on ATM Funds transfer card account-current account BGN 0.25 Intra/inter-bank funds transfer BGN 0.50 13.7.2.10 Balance inquiry on ATM Free of charge 13.7.2.11 Mini statement on ATM BGN 0.50 13.7.2.12 Blocking of a card by customer request Free of charge 13.7.2.13 Card deactivation by customer request BGN 1 13.7.2.14 Ungrounded claim of a transaction BGN 20 13.7.2.15 Changing of card parameters or limits Free of charge 13.7.2.16 Minimum balance requested BGN 5 13.7.2.17 SMS alerts subscription fee* BGN 2 13.7.2.18 Receiving a card and a PIN code in other branch BGN 10 *Note: the fee for each SMS alert is according to the service provider s tariff For additional services offered by MasterCard International - as per the MasterCard Tariff