price list for private individuals of procredit bank ... current account1 minimum balance not...

Price List for private individuals of ProCredit Bank (Bulgaria) EAD

ACCOUNTS 3

TRANSFERS 4

CARDS 5

LOANS 7

CASH OPERATIONS 9

APPENDICES 10

OTHER FEES 12

GENERAL PROVISIONS 13

NOTES 14

CONTENTS

01.03.2018

ACCOUNTS

Active current account1

Minimum balance not required

Monthly maintenance fee, which includes: • Visa Debit Card • FlexSave savings account • Internet banking • Free and unlimited number of: - intrabank transfers through Internet banking - BGN transfers to other banks through Internet banking - fixed transfers and transfers for utility payments - deposits and withdrawals at ProCredit ATMs up to BGN 2,000 - SMS notifications • Free withdrawals at ATMs of other banks – up to 3 per month

BGN 8

FlexSave savings account2

Minimum balance not required

Interest rates according to the Interest Bulletin

Deposit account3

Minimum balance 5,000 currency units


Other

Monthly maintenance of a current account under distrainment

• in the case of received provisional order

BGN 150

BGN 250

Opening of an escrow account: • in case of a transaction of up to EUR 250,000 • in case of a transaction of over EUR 250,000

BGN 250upon agreement (min BGN 1,000)

Payment account for basic operations According to Appendix 1

Passive current account According to Appendix 2

Each client is obliged to maintain with the Bank a current account with Internet banking registration

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01.03.2018

ACCOUNTS GENERAL PROVISIONS

TRANSFERS CARDS CASH OPERATIONS

APPENDICES OTHER FEES

NOTESLOANS

http://www.procreditbank.bg/en/interest-bulletin/page/514#for-deposits-and-accounts

http://www.procreditbank.bg/en/interest-bulletin/page/514#for-deposits-and-accounts

TRANSFERS

Transfers issued in BGN4

Internet banking on paper

Between customers of the bank free of charge

BGN 50To other banks free of charge

Express (RINGS)5 BGN 20

Fixed transfers to other banks free of charge

Transfers for utility payments (electricity, phone services, etc.) free of charge

Change/cancellation of a transfer BGN 5

Transfers issued in foreign currency4,6

Internet banking on paper

Between customers of the bank free of charge

not accepted

Transfers within the European Community (SEPA) EUR 5

Ordinary transfer (EUR outside of the European Community and other currencies)

EUR 10

Express transfer EUR 25

Transfer with OUR expenses – extra fee7: • EUR in Germany • EUR outside Germany • USD, GBP, CHF

free of chargeEUR 10EUR 20

ProPay8 EUR 2.5

Other operations related to international transfers9 EUR 20 + expenses of the correspondent bank

Transfers received in BGN and in foreign currency free of charge

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NOTESLOANS

CARDS10

Fees Debit cardVisa Electron

Credit cardVisa Classic

Monthly maintenance fee -BGN 4

Monthly maintenance fee for an extra card11 BGN 4

Withdrawal at ATM • of ProCredit Bank • of another bank in Bulgaria - up to 3 transactions per month - over 3 transactions per month

• abroad

according to

Cash operations

free of chargeBGN 1 per transaction

BGN 5 + 1%

BGN 10 + 3%

POS payment in Bulgaria and abroad free of charge

Withdrawal from POS of another bank in Bulgaria and abroad BGN 10 + 3%

Delivery of a card or a PIN code at an address in Bulgaria/change of address: • ordinary (7 working days) • express (3 working days)

BGN 4 BGN 14

Balance statement request at ATM BGN 1

Incoming amount on cards (credit refund) 1%

Ungrounded claim BGN 40

Other services12 BGN 10

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NOTESLOANS

CARDS10

Limits Debit cardVisa Electron


24-hour limits

Withdrawal at ATM BGN 1 200 BGN 2 000

Payment at POS BGN 2 000 BGN 6 000

Total limit (ATM and POS) BGN 3 000 BGN 6 000

Number of transactions (ATM and POS) 20 20

7-day limit

Withdrawal at ATM BGN 5 000 BGN 6 000

Payment at POS BGN 8 000 BGN 10 000

Total limit (ATM and POS) BGN 8 000 BGN 10 000

Number of transactions (ATM and POS) 50 50

Interest rates Debit cardVisa Electron


Interest rates according to the Interest bulletin

Interest on unauthorised overdraft 23% -

Interest for arrears13 -10 percentage points

above the agreedinterest

Interest period - 1 month

Change of credit limit14 -0.25%

(min 10 currency units)

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NOTESLOANS

http://www.procreditbank.bg/en/interest-bulletin/page/514#for-loans

LOANS15

Application processing fee for Housing loan BGN 50

Application processing fee • Consumer loan • Loan with a cash collateral

BGN 30

Disbursement fee free of charge

Annual management fee free of charge

Insurance of collateral16

• Consumer loan, loan Renovation and Energy Efficiency loan • Housing loan

0.202%, min BGN 30

0.10%, min BGN 30

Preparing documents for mortgage registration: • up to BGN 500,000 • above BGN 500,000

BGN 100BGN 250

Preparing documents for deregistration of a mortgage: • up to BGN 500,000 • above BGN 500,000

BGN 50BGN 100

Early repayment17

Consumer loan, depending on the remaining time to maturity: • less than 1 year • over 1 year

0.5%1%

Housing loan and Renovation loan: • up to 12 months from the loan disbursement • more than 12 months from the loan disbursement

1%free of charge

Energy Efficiency loan: • at a fixed interest rate, depending on the remaining time to maturity: - less than 1 year - over 1 year

• at a floating interest rate

• in case of a mortgage on real estate as collateral - up to 12 months from the loan disbursement - more than 12 months from the loan disbursement

0.5%1%

free of charge

1%free of charge

Overdraft/Credit card/Loan with cash collateral free of charge

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NOTESLOANS

Other feesLoan restructuring 0.5%, min 10/max 500 currency units

Monthly loan administration fee, when it is not made through a client’s account with the bank

BGN 150

Change in the terms and conditions18

Housing loan 0.50%, min 50/max 500 currency units

Consumer loan, Renovation loan, Energy Efficiency loan, Overdraft, Loan with cash collateral

0.25%, min 50/max 500 currency units

Credit card 0.25%, min 10 currency units

LOANS

8

Appraisal of collateral19

Apartment BGN 180

House BGN 300

Land plot BGN 200

Agricultural land up to 50 land plots BGN 500

Agricultural land over 50 land plots BGN 1 000

Movable assets, up to 5 assets BGN 250

Movable assets, over 5 assets BGN 500

Movable assets, over 20 assets BGN 1 200

Appraisal update • within 12 months from the initial appraisal and with change of object • at every 36 months after the initial appraisal till the full repayment of the loan

50% of the tariff according to Appraisal of collateral

according to Appraisal of collateral


Penalty interest20 loan interest + 2% surcharge

Penalty interest on receivables for fees/commissions 36% on an annual base

Interest on unauthorised overdraft 23% on an annual base

Interest on unauthorised overdraft - FlexFund 8% on an annual base

01.03.2018




NOTESLOANS

CASH OPERATIONS

Cash deposit

At a cash desk not offered

In the 24/7 Self-service area21:

up to BGN 2,000 free of charge

above BGN 2,001 0.15% on the excess amount(min. BGN 3)

Deposits by third persons + BGN 10 per transaction

Under a savings programme free of charge

Cash withdrawal

At a cash desk not offered

In the 24/7 Self-service area22:

up to BGN 2,000 free of charge

above BGN 2,001 BGN 2 + 0.3% on the excess amount

ProCredit Bank (Bulgaria) EAD makes an effort to encourage its customers to make non-cash payments through Internet banking and does not tolerate cash operations.

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NOTESLOANS

01.03.2018

Appendix 1Payment account for basic operations within the meaning of Article 73s of the Payment Services and Payment Systems Act25

Opening of an account (including the issuing of a debit card pertaining to the account)

BGN 1.90

Monthly maintenance fee (including with an issued debit card pertaining to the account)

BGN 1.50

Deposit into an account through a deposit safe, ATM, pay-in terminal: • up to BGN 4,594 • above BGN 4,594

free of charge 0,09% on the amount in excess of BGN 4,954

(min BGN 2.99, max BGN 195)

Withdrawal of up to BGN 1,000: • by debit card at ProCredit Bank ATMs • by debit card at ATMs of another bank in Bulgaria • by debit card at ATMs abroad

BGN 0.19 per transactionBGN 0.88 per transaction

EUR 2.49 + 1%

Payments for goods and services by debit card at POS terminals at a merchant location

free of charge

Fixed automated transfer: • interbank transfer • intrabank transfer between clients of the bank

BGN 0.99

free of charge

Outgoing transfer in national currency through Internet banking: • intrabank transfer • to other persons, organisations and the budget through BISERA

free of chargeBGN 0.74

Outgoing transfer in foreign currency through Internet banking: • intrabank transfer • SEPA transfers • non-SEPA transfers with TOM value date

free of chargeEUR 4.99EUR 9.99

Incoming transfer in foreign currency free of charge

Maximum amount for cash withdrawals at ATM in Bulgaria/abroad: • for a 24-hour period • for a 7-day period

BGN 150BGN 500

Maximum amount for POS payment in Bulgaria/abroad: • for a 24-hour period • for a 7-day period

BGN 150BGN 500

Total limit: • for a 24-hour period • for a 7-day period

BGN 150BGN 500

Minimum balance BGN 250

ProBanking internet banking registration fee BGN 50

Fee for re-issuing of a bank card BGN 20

10




NOTESLOANS

Appendix 2

Passive current accountFor clients who would like to maintain savings in the bank without taking advantage of the services package in-cluded in the monthly maintenance fee for an Active current account

Monthly maintenance fee, which includes: • Visa Debit Card • FlexSave savings account • Internet bankingе • Free and unlimited number of: - intrabank transfers between the accounts of the same client through Internet banking - deposits and withdrawals at ProCredit ATMs up to BGN 2,000 - SMS notifications

BGN 4

Other transfers issued through Internet banking: • between accounts of ProCredit clients • to other banks in BGN • in foreign currency

BGN 10BGN 10

According to the Transfers Section

Fixed transfers to other banks and transfers for utility payments (electricity, phone service, etc.)

not offered

Cards: • extra card in connection with a Visa Debit card • cash withdrawal at ATMs of another bank

not offered

BGN 1 per transaction

Other services not included in the above items According to the standard Tariff

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NOTESLOANS

OTHER FEES

SMS notifications of account balance, transfers received, authorisa-tion of transactions, utility payments - for credit card Visa Classic

BGN 0.15

Repeated activation of an SMS service BGN 5

Deposit for the SMS notification services for credit card Visa Classic“authorisation of transactions” and “utility payments”

BGN 5

Written information at the request of a customer and issuing of transcripts and photocopies of documents

BGN 30

Issuing of certificate/reference/financial identification BGN 50

Issuing of certificate/reference according to text of a customer or at the request of a correspondent bank

BGN 200

Identification and verification of authenticity of SWIFT messages/SWIFT supplementary messages

EUR 10

Statement of account: • mailed to the client’s address – once a month • through ProBanking, by e-mail

BGN 5

free of charge

Reversal at the request of a customer or processing of distrainment BGN 10

Courier and postal services in Bulgaria and abroad actual costs

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NOTESLOANS

GENERAL PROVISIONS

1. This Tariff stipulates the standard fees and commissions due and payable by clients of ProCredit Bank (Bulgaria) EAD /the “Bank”/ upon execution of the respective operations. For all services and operations not included in the Tariff, the Bank shall apply fees and commissions upon agreement.

2. This Tariff applies for clients of ProCredit Bank (Bulgaria) EAD who are Bulgarian and foreign private individuals.

3. For each service and/or operation provided by the Bank, the Tariff effective on the day of execution of the service/operation shall apply. The fees and commissions set out in the Tariff in a foreign currency shall be collected in BGN, and the respective currency exchange fixing by the Bulgarian National Bank for the day of execution of the operation shall be applied.

4. All fees and commissions for services taxable under the Value Added Tax Act are fixed in the Tariff with the Value Added Tax (VAT) included.

5. The Bank shall only execute orders which are accurate in terms of contents and form and fully comply with the effective legislation. In case the funds in the client’s account are not sufficient for execution of an ordered transaction, the Bank is entitled to complete the operation and charge to the client an interest for unallowed overdraft, according to the General Terms and Conditions for payment services of ProCredit Bank (Bulgaria) EAD and the Tariff of the Bank.

6. The Bank shall be entitled to collect all due fees and commissions from the accounts of the ordering party, provided it is not indicated in the order to whose account they should be charged; or provided it is indicated that the said fees and commissions are chargeable to the beneficiary, but ProCredit Bank (Bulgaria) EAD fails to collect them.

7. The Bank has the right to close a client’s account at any time sending to the latter a written notification 1 month in advance.

8. The Bank’s Management Board is entitled to make amendments and additions to the Bank’s Tariff at any time by virtue of a resolution. This Tariff shall enter into force as of 01.03.2018.

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NOTESLOANS

NOTES

ACCOUNTS1. Active current accounts are offered in BGN, EUR and USD. If the client would like to maintain a second current account in a foreign currency, this second current account must also be an Active account with a monthly fee in the amount of EUR 4. Minimum number of transactions per month for an Active current account – 1 transaction. • As of 01.11.2017, the opening of “Current Account with Account Holder Private Individual” shall be discontinued. • As of 01.01.2018, all standard “Current Accounts with Account Holder Private Individual” shall be transformed into Active current accounts.

2. The FlexSave account shall be offered in BGN and EUR.

3. The deposit accounts shall be offered in BGN, EUR and USD.

TRANSFERS

5. The payments through RINGS shall be obligatory for transfers in an amount exceeding BGN 100,000 (inclusive).

6. The return of an incoming transfer in foreign currency at the recipient’s order shall be considered to be an outgoing transfer. The Bank reserves the right to collect the fees and commissions due to the correspondent banks.

7. Transfers in USD ordered with OUR expenses shall be executed by the correspondent bank without charging any fees but, because of the peculiarities of the banking practices on the territory of the USA, the beneficiary’s bank may collect its expenses from the transfer amount regardless of the instruction by the ordering party who is to cover all the expenses.

8. ProPay is a system of express currency payments between clients of ProCredit Bank. Countries with which ProPay trans-fers are executed: Albania, Bosnia and Herzegovina, Bulgaria, Germany, Georgia, Kosovo, Macedonia, Romania, Serbia, Ukraine and Moldova.

9. Other operations related to international transfers – Change/Cancellation of a Transfer, Tracing of a Transfer Made, Issuing of a Transfer within 2 Hours.

4. Time intervals for accepting transfers Cut-off time

Transfer received on the same working day (BISERA) - on paper - through Internet banking

11:30 14:30

Express transfer (RINGS) 15:00

Ordinary transfer in foreign currency executed on the sameworking day - EUR, USD, GBP and CHF

17:00

Express transfer in foreign currency executed on the same working day - EUR and USD - GBP

17:0012:00

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01.03.2018




NOTESLOANS

NOTES

CARDS10. Visa Electron and Visa Classic cards shall be offered in BGN and EUR.

11. The functionalities of an Active current account shall apply to the main and the extra cards taken together not separately.

12. Other services – generation of a new PIN, change of the details of the card holder, activation after blocking, re-issuing prior to expiration of the validity of the card, card not received through the client’s fault.Upon initiation of an arbitration procedure for disputed transactions, the actual expenses shall be charged.

13. The interest for arrears on a Visa Classic credit card shall be charged on an annual basis on the amount of the principal that is in arrears.

14. Credit limit change fee shall be charged on the limit.

LOANS15. The fees on loan transactions shall be charged as follows: • Loan application processing fee – on the loan amount • Management fee – for Housing loans approved and/or extended during the period from 11.02.2013 to 31,12,2013 – management fee in the amount of 0.35% per annum. For residential loans extended before 11.02.2013 – management fee in the amount of 0.5% per annum. For Renovation loans approved and extended before 01.08.2014 – management fee of 0.5% per annum. • Restructuring of a loan – on the amount due and payable.The Renovation loan is no longer offered from 22.06.2015.

16. The Fee for Insurance of Collateral shall be charged annually on the loan amount due. For residential loans extended after 11.02.2013 – the fee for activation, processing and maintaining of collateral which is less than the insurance cover shall be 0.10% per annum. For residential loans extended before 11.02.2013 – the fee for activation, processing and maintaining of collateral which is less than the insurance cover shall be 0.202% per annum.

17. The early repayment fee shall be due on the outstanding principal.

18. The Change of Terms and Conditions Fee shall be due on the outstanding principal/the authorised limit to be utilized.

19. For collateral securities other than those specified, the fees as per the Price List of Legal Entities shall apply.

20. The surcharge in the case of penalty interest shall be due on the outstanding principal amount. Overdraft authorised before 28.08.2017 – penalty interest on the loan and a surcharge of 10% on the principal amount overdue.

CASH OPERATIONS21. Maximum amount of deposit in the 24/7 Self-Service Area – BGN 50,000.

22. Maximum amount of withdrawal in the 24/7 Self-Service Area – BGN 10,000.

23. The amounts specified in Items 21 и 22 for cash deposit/withdrawal constitute the daily limit for the account . If the free-of-charge daily deposit and withdrawal limit (BGN 2,000) is exceeded, the commissions due and payable shall be charged ex officio. ATM withdrawal limits for Visa Electron debit card – according to Limits.

24. Appendix 1 shall be applied only to payment accounts for basic operations within the meaning of Article 73s of the Payment Services and Payment Systems Act of private individuals, and shall not amend or repeal the standard fees for the same payment operations according to the Price List for Private Individuals.

25. This Tariff has been brought in line with Ordinance No. 3 of 16.07.2009 on the Terms and Procedure for Execution of Payment Transactions and for the Use of Payment Instruments.

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NOTESLOANS

www.procreditbank.bg

price list for private individuals of procredit bank ... current account1 minimum balance not...

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