CHARGES AND COMMISSIONS for bankaccounts of private individuals

Átírás

1 Current account interest HUF ACCOUNT CIB Classic Private Account CIB Online Account Package CIB Senior Private Account 1 Interest % p.a.: 0.10 % SDRI %: 0.10 % Penalty interest rate 27,99 % Date of crediting interest on account Date of debiting penalty interest Account opening minimum amount On the last banking day of the quarter On the last banking day of the month Monthly account keeping fee HUF 313 HUF 575 HUF 103 Beneficial monthly account keeping fee at least HUF one-time income is transferred monthly, at least two payment orders are launched out of the following: - authorisation for direct collection - effecting Díjnet bill payment via Internet Bank HUF HUF Not available - effecting a standing transfer order for at least HUF or effecting a one-time transfer order for at least HUF via Internet Bank. Account opening fee HUF 0 Account closing fee HUF 0 Number of free of charge cash withdrawal with HUF based primary bankcards (in any domestic ATM) 4 1 /month Regular monthly statement on CIB Internet Bank HUF 0 Regular first monthly statement printed on paper by post HUF 0 Statement upon special request, certificate Within 6 months /month HUF 1000 None CIB Senior Plus 1

2 Over 6 months /month HUF 2000 Fee of account change HUF 1000 Co- owner & authorized person modification HUF 500 Registration of beneficiary in case of death HUF 1500 HUF 0 HUNGARIAN FORINT TRANSACTIONS Bank-to-bank transfer via GIRO system CIB Internet Bank, CIB Házibank, mobilcib CIB24 CIB Classic Private Account 0,10%, min. HUF 62, max. HUF ,15%, min. HUF 209, max. HUF CIB Online Account Package CIB Senior Private Account 1 CIB Senior Plus HUF 0 0,10%, min. HUF 62, max. HUF HUF ,15 % min. HUF 262, max. HUF ,15%, min. HUF 209, max. HUF Paper-based service 0,31%, min. HUF 419, max. HUF HUF ,31%, min. HUF 419, max. HUF ,31%, min. HUF 419, max. HUF Transfer to an account within the Bank CIB Internet Bank, CIB Házibank, mobilcib 0,10%, min. HUF 62, max. HUF HUF 0 0,10%, min. HUF 62, max. HUF HUF 0 CIB24 0,15%, min. HUF 209, max. HUF HUF ,15 % min. HUF 262, max. HUF ,15%, min. HUF 209, max. HUF HUF 104 Paper-based service 0,20%, min. HUF 314, max. HUF HUF ,20 % min. HUF 367, max. HUF ,20%, min. HUF 314, max. HUF HUF 209 2

3 Transfer between orderer s subaccounts CIB Internet Bank, CIB Házibank, mobilcib HUF 0 CIB24 HUF 40 HUF 100 HUF 40 Paper-based service 0,10%, min. HUF 200, max. HUF 5000 HUF ,10%, min. HUF 250, max. HUF ,10%, min. HUF 200, max. HUF 5000 HUF 200 Bank-to-bank transfer via VIBER system 0,5% min. HUF , max. HUF Standing order via GIRO system HUF 104 HUF 0 HUF 104 Standing order inside the bank HUF 0 Amendment, cancellation of standing order HUF 200 /transaction HUF 0 HUF 200 /transaction Public utility payment by direct debit HUF 52 /transaction HUF 0 HUF 52 /transaction HUF 0 Conditional transfer order 6 Mobile card recharging HUF 0 Díjnet bill payment Internet bank HUF 0 Limit breach notification HUF 100 /transaction Cancellation / modification of order in Bank from another Bank HUF 500 /pcs HUF 1000 /pcs Setting up, terminating, increasing, or reducing a fixed-term deposit on date of roll over CIB Internet Bank, CIB Házibank, mobilcib HUF 0 CIB24 HUF 0 Paper-based service HUF 0 Terminating a fixed-term deposit on non date of roll over CIB Internet Bank, CIB Házibank, mobilcib HUF 0 3

4 HUF 0 0,41 % min. HUF 524, max. HUF CIB24 HUF 100 /transaction Paper-based service HUF 250 /transaction Cash deposit at teller desk - commission on depositing of coins over 50 pcs 5 3% Deposit through a postal cash-transfer order, postal installed voucher, postal subsequent setup, postal resettling 0,35% + HUF 100 /transaction Cash withdrawal at teller desk 7 - commission on withdrawal of coins over 50 pcs 5 3% Fee of announced but not occured or not announced cash 7 withdrawal above 1 million HUF HUF Postal remittance (Not available in paper based form after 1 March 2012) HUF 200 /remittance Collection based on the authorization letter, official transfer orders and initiation of collection order by right of execution (HUF collection debit) for the benefit of the current account at HUF 500 CIB Bank Registration of incoming collection order HUF 500 Mailing fee HUF 500 FCY ACCOUNT Current account interest CIB Classic Private Account CIB Online Account Package Interest % p.a.: 0,00 SDRI %: 0,00 Penalty interest rate 1 week LIBOR + 6,00% Date of crediting interest on FCY account Date of debiting penalty interest CIB Senior Private Account 1 On the last banking day of the year On the last banking day of the month CIB Senior Plus 4

5 Account opening minimum amount Monthly account keeping fee HUF 104 Account opening and closing fee HUF 0 Regular monthly statement HUF 0 Statement upon special request, certificate Within 6 months /month Over 6 months /month None USD 5 USD 10 5

6 FX TRANSACTION 8 (to/from HUF or FX accounts) CIB Classic Private CIB Online Account Account Package CIB Senior Private Account 1 Bank to bank transfer 9,10 CIB Internet Bank, CIB Házibank 0,15% min. USD 10, max. USD 367 CIB24 0,15% min. USD 10, max. USD 367 Paper-based service 0,15% min. USD 10, max. USD 367 Express premium for execution on T value day in case of EUR, USD, GBP and CAD USD 30 Transfer to an account within the Bank 9,10 CIB Internet Bank, CIB Házibank USD 5 CIB24 0,10% min. USD 5, max. USD 157 Paper-based service 0,10% min. USD 5, max. USD 157 Transfer between orderer s subaccounts CIB Internet Bank, CIB Házibank HUF 0 CIB24 USD 5 Paper-based service Accessory charges for remittances in foreign currencies requiring manual processing (transfers between own accounts included) HUF 0 til 31 Dec 2012 USD 5 HUF 0 til 31 Dec 2012 HUF transfer abroad 0,15% min. HUF 5 000, max. HUF Cancellation / modification of order in Bank USD 5 /pcs from another Bank USD 10 /pcs USD 2 CIB Senior Plus 6

7 Setting up, terminating, increasing, or reducing a fixed-term deposit on date of roll over CIB Internet Bank, CIB Házibank, mobilcib HUF 0 CIB24 HUF 0 HUF 100 /transaction HUF 0 Paper-based service HUF 0 HUF 100 /transaction HUF 0 Terminating a fixed-term deposit on non date of roll over CIB Internet Bank, CIB Házibank, mobilcib HUF 0 CIB24 HUF 100 /transaction Paper-based service 0,01% min HUF 200 max HUF 5000 /transaction Cash deposit to HUF or FX account (only banknotes are accepted) HUF 0 Depositing damaged currency banknote 10% Cash withdrawal in foreign currency to the debit of HUF or FX account 7 3 min. HUF 419, max. HUF Cash withdrawal in HUF to the debit of FX account 7 0,41 % min. HUF 524, max. HUF Cheque issued USD 5 + bank-to-bank transfer s charges Cheque collection (min. 30 banking days 15 ) 3 min. USD 31 max. USD foreign bank s charges and DHL charges Non paid cheque USD 5 Cover transfer of cheque drawn on CIB Bank USD 10 Stop payment of a cheque USD 10 CIB Internet based Electronic Services (CIB Internet Bank, mobilcib ) ELECTRONIC SERVICES CIB Classic Private Account CIB Online Account Package CIB Senior CIB Senior Plus 7

8 - Registration HUF 0 HUF 0 HUF 0 - Security text messages about log-ins and blockings HUF 50 /month /user HUF 0 HUF 50 /month /user - TOKEN device usage fee, the single-use passwordgenerating device HUF 50 /month /user HUF 0 HUF 50 /month /user - TOKEN application fee HUF 0 HUF 0 HUF 0 - TOKEN replacement, one-off fee (lost, stolen or damaged) HUF 5000 HUF 5000 HUF 5000 CIB Mobilbank 11 - Security text messages aobut transactions of CIB bankcard (bankcard monitoring service) - Text messages about debits and credits on the bank account (account-monitoring service) - SMS fee 12 HUF 52 /month /phone number HUF 209 /month /phone number HUF 19 /SMS HUF 0 til 31 August 2012 in case of bankcard montioring service CIB Házibank (Not demandable after 1 Jan 2002) - Connection to an existing port HUF Not available - Installation to further computers /computer Reinstallation or relocation by CIB HUF HUF Not available - Trouble-shooting requested from CIB HUF VAT /hour Not available AVAILABLE ADDITIONAL SERVICES CIB Classic Private Account CIB Online Account Package CIB Senior Private Account 1 CIB Senior Plus CIB Medical advisory phone line 13 Not available HUF 0 CIB Bill Protection monthly fee HUF 999 Not available Monthly fee of accident insurance for accidental death till HUF HUF (Available in case of years of age) 8

9 Monthly fee of accident insurance for death of any case till HUF (Available in case of years of age) Monthly fee of accident insurance package for death of accidental death till HUF (former insurance package for IEB Ezüst Mentor Account) (Not demandable after 1 Jan 2008) Monthyl fee of accident insurance package for death of any case till HUF (former insurance package for IEB Arany Mentor Account (Not demandable after 1 Jan 2008) Mothly fee of accident insurance for accidental death till HUF (Available in case of years of age) Monthly fee of accident insurance for death of any case till HUF (Available in case of years of age) HUF 159 HUF 699 HUF 399 HUF 999 HUF Not available Not available CIB UNSECURED LOAN TECHNICAL ACCOUNT 14 Penalty interest rate 27,99 % Date of debiting penalty interest On the last banking day of the month Account opening amount None Monthly account keeping fee HUF 0 Account opening and closing fee HUF 0 Regular monthly statement on CIB Internet Bank HUF 0 Regular first monthly statement printed on paper by post (Only upon Customer request) HUF 0 Statement upon special request, certificate 5 Within 6 month / month Other / month HUF 1000 HUF

10 Transfer between orderer s subaccounts CIB Internet Bank, CIB Házibank, mobilcib HUF 0 CIB24 HUF 0 Paper-based service HUF 0 Cash deposit at teller desk - commission on depositing of coins over 50 pcs Cash withdrawal at teller desk 7 0,41 % min. HUF 524, max. HUF commission on withdrawal of coins over 50 pcs 5 3% Fee of announced but not occured or not announced cash withdrawal above 1 million HUF 7 HUF Mailing fee HUF 500 CIB Internet based Electronic Services CIB Internet Bank Compulsory Additional Service CIB mobilcib - Registration HUF 0 - Security text messages about log-ins and blockings HUF 50 /month /user - TOKEN device usage fee, the single-use password-generating device HUF 50 /month /user - TOKEN application fee HUF 0 - TOKEN replacement, one-off fee (lost, stolen or damaged) HUF 5000 CIB Mobilbank 11 - Text messages about debits and credits on the bank account (account-monitoring service) HUF 209 /month /phone number HUF 19 /SMS - SMS fee 12 HUF 0 til 30 June 2012 in case of bankcard montioring service Termination of the bank account: In the event of termination of the Bank Account Agreement, the cash withdrawal, bank-to-bank transfer, intrabank transfer or book transfer between the Client s own accounts of an amount less than HUF 1,000 or the equivalent in foreign currency determined based on the valid mid-rate quoted by the Bank on the day of execution by the Bank of the payment order to this effect is free of charge. HUF 0 3% 10

11 1. 2. Customers can apply for CIB Senior and Senior Plus Private Account: A) Entitled to old-age pension (with pensioner reference number certificate ), independently of age; B) Entitled to widow s pension; C) over 62 years of age. Account usage conditions of CIB Senior Plus Private Account: pension or income is transferred to the CIB Senior Plus Private Account, and having or applying for minimum one debit bankcard. Account usage conditions are reviewed monthly by the Bank and appropriate fees are applied in the next month at least HUF one-time income is transferred monthly, 2. at least two payment orders are launched out of the following: - authorisation for direct collection - effecting Díjnet bill payment via CIB Internet Bank, - effecting a permanent transfer order for at least HUF or effecting a one-time transfer order for at least HUF inititated in the Internet Bank. In case of a benefit package claimable upon opening a CIB Classic Private Account, the following services are gratis for three months: CIB Classic Private Account monthly account management fee, CIB Mobile Bank Account Watch and Card Watch system service, Accident insurance with a sum of HUF payable upon death, Effecting any number of utility collection orders The bank provides the fee reductions if a CIB Classic Private Account, the HUF accident death insurance and the CIB Mobile Bank Account Watch and Card Watch system service are applied for at same time. The CIB Mobile Bank Account Watch and Card Watch system are free of charge for the first cellular number set, for all others the conditions in force apply. The benefit may be extended for 6 months if the following conditions are jointly met at least once in a quarter, in the same month: 1. at least HUF one-time income is transferred monthly, 2. at least two payment orders are launched out of the following: - authorisation for direct collection - effecting a permanent transfer order for at least HUF or effecting a one-time transfer order for at least HUF inititated in the Internet Bank. 4. The cost-free condition applies for any one major card. 5. If the client would like to withdraw coins above 50 pieces then the client has an announcement obligation: up to HUF the need must be announced at least 2 banking day before the withdrawal; above HUF the need must be announced in writing with the list of denomination at least 3 banking days from Monday to Thursday till 15 o clock, on Friday till 14 o clock.. 6. Products: T -Mobile DOMINO top-up card, seller: Magyar Telekom Plc.; Praktikum top-up card, seller: Telenor Hungary Ltd.; Vodafone VitaMAX top-up card, seller: Vodafone Hungary. The service is available via CIB24, CIB Internet Bank and mobilcib service. 7. Requests to make cash withdrawals must be submitted in advance to the Bank either verbally (by telephone, via CIB24/in person), or in writing. Cash withdrawal amount Deadline of notice HUF EUR, USD Other 11

12 working day advance to Thursday till 15 o clock, , ,- Up to equivalent of USD working day advance on Friday till 14 o clock ,- felett 5.000,- felett Over to eqiuvalent of USD 5.000,- The Bank does not guarantee the availability of amounts that are subject to the above advance notice requirement but have not been requested in advance. In addition to commissions applicable to foreign currency transactions involving the Customer s Bank Account, any out-of-pocket expenses (e.g. postal charges, DHL courier charges, etc.) related to the executed transactions, as well as any justified fees and commissions incurred due to the involvement of an intermediary bank or banks may, at the Parties option, be charged to the Customer or to the Originator of the foreign currency transaction. (These include, in the case of outgoing foreign-currency payments to destination countries that use the IBAN international bank account number format, the fee charged by the foreign bank if the beneficiary s IBAN-format account number was indicated erroneously on, or omitted from, the payment order.) If the Customer undertakes to bear all the fees and charges associated with the transfer, the Customer must ensure that sufficient funds are available on the designated account to cover such costs. The precise amount of fees and charges differ from bank to bank. Upon fulfilment HUF value of the fees and expenses of the foreign currency transfer transactions (e.g. SWIFT), as well as any justified fees and commissions incurred due to the involvement of an intermediary bank/banks, financial or other institutions (e.g. surcharge of manual processed transfers), are charged to the Customer when they occurred. Paper based transfer orders are accepted by CIB Bank only on a special foreign currency transfer order form. CIB Bank s sell/buy foreign exchange rate valid on the date of debiting the account is applied to calculate the countervalue of orders submitted in currency different from that of the account debited. In case of foreign exchange transfer orders which are denominated in non EEA currency, if the account holder doesn't undertake to pay the foreign bank charges, the transferred amount will be credited to the bank account of the beneficiary reduced by any possibly arising intermediary bank charges. Intermediary bank charges differ by bank. In case of Account Monitor service the bank sends SMS on transactions above HUF 500, in case of Card Monitor service the bank sends SMS on all transactions. Clients can modify this limit via CIB24 or in the branch.. SMS fee is charged on SMS sent by the bank. SMS fee is charged as an aggregated monthly fee as from the application date of the service. CIB Medical advisory phone line can be called 24 hours a day, 365 days a year with local rates. Phone number is Serving for repayment of some unsecured loan CIB Unsecured Loan Technical Account is a payment account with limited functions, only with transactions and additional services which are specified in this List of Conditions. CIB Unsecured Loan Technical Account is compulsory to open in case of application for Restructuring Loan, or applicaton for Personal Loan with CIB Online Account Package or CIB XL Private Account. Statement of the Account will be put at Customer s disposal throw CIB Internet Bank. Debit card is not applicable for this Account. 15. The execution of cheque collection orders takes a minimum of 30 bank working days from submission of the order by the Client. The Bank excludes its liability for any lengthening of this deadline due to the paying bank s procedure related to execution of the collection order. The deadlines applicable to execution should in every case be interpreted as being over and above the deadlines specified in this List of Conditions. The Bank is only able to inform the Client in advance about those procedural deadlines at third-party banks in respect of which it has information. All the Bank s costs, in excess of the usual costs, incurred in relation to the provision of services to the Customer especially the costs of any authority procedures, the costs of using an assistant, the costs of using legal and other advisors, as well as mailing costs and stamp duty shall be borne by the Customer. 12