INDIVIDUALS LIST OF STANDARD COSTS - Intesa · PDF fileThe official binding version of the...

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LIST OF STANDARD COSTSINDIVIDUALS

The official binding version of the List of Standard Costs is in Romanian, while the English translation has been done merely for advisory purpose. Provided any discrepancies, divergences or conflicts between the Romanian and English versions, the Romanian version will prevail.

THE LIST CONTAINS THE BANK’S STANDARD COSTS - RETAIL - INDIVIDUALSJune 2012

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CURRENT ACCOUNTS

CURRENT ACCOUNTS

COMMISSION TYPEVALUE

Standard Account 007 Account Lider Package

Account opening commission eq. 5 Lei 5 Lei/1.5 Euro free of charge

Commission on transforming one account opened into another type of current account

free of charge

Commission for modification of signature specimen eq. 5 Lei

Account administration fee

eq. 1,25 lei/monthfirst month: free of

chargeEach account holder

having standard current accounts in more currencies will

pay the administration fee for only one

account.

1,9 Lei/month for RON account

0,50 EUR/month for EUR accountfirst month: free

of charge

• 8 Lei/ 4 Euro/month• first month: free of chargeFor every calendar month in which the client credited (through cash deposit or banking transfer) the LIDER current account (lei or euro) with the minimum amount of 400 lei/200 euro and the amount has been deposited in this account at least 24 hours, the commission is discounted with 50% (namely 4lei/2 Euro).

Account statement release commission free of charge

Account closure commission free of charge

CASH DEPOSITS ON BANK COUNTERS



Lei/Foreign Currency cash deposit free of charge

CASH WITHDRAWALS ON BANK COUNTERS

Lei cash withdrawal commission*

• 0.50% on the value of the amount withdrawn

• 0.40% on the value of the amount withdrawn, if the amount withdrawn comes from the interest and/or the principal of a:

− term deposit with progressive interest

− deposit with variable interest − certificate of deposit opened before 1st January 2010 and the withdrawal was not performed on the due date

• 0.50% on the value of the amount withdrawn

• 0.30% on the value of the amount withdrawn, if the amount withdrawn comes from the interest and/or the principal of a:

− term deposit with progressive interest

− deposit with variable interest

• certificate of deposit opened before 1st January 2010 and the withdrawal was not performed on the due date.

• monthly, up to 30,000 Lei: free of charge

• monthly, over 30,000 Lei: 0.40% on the value of the amount withdrawn

Foreign currency cash withdrawal commission*

0.6% (minimum eq. 2 Euro)

• monthly up to 8000 Euro: free of charge

• monthly over 8000 Euro: 0.40% on the value of the amount withdrawn

Unannounced cash withdrawal commission** 0.75% on the value of the amount withdrawn

Commission on cash withdrawal announced and not performed

0.10% on the amount of the announced and not performed withdrawal

CASH OPERATIONS

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DOMESTIC TRANSFERS - OUTGOINGCommisssion on payments to clients of other Banks-interbanking (Lei/operation) Transaction value

• up to 500 Lei 3.5 Lei 3.5 Lei 3.5 Lei• between 500.01-49,999.99 Lei 7 Lei 7 Lei 3.5 Lei

• over 50,000 Lei 19 Lei 19 Lei 19 Lei

Commission on payments to other clients of the bank - intrabanking (Lei/operation) free of charge

Commission refusal/revoke/recover interbanking payment (Lei/operation) free of charge

TRANSFERS

*Certificates of deposit, the deposits with progressive interest and deposits with variable interest have 0% cash withdrawal commission on the deposit due date, if the withdrawal is perfomed in product’s original currency. Provided the due date is nonworking day, the 0% commission on cash withdrawal applies the next banking day.** Any cash withdrawal exceeding 10,000 Lei or equivalent must be announced 1 day in advance and any cash withdrawal exceeding 50,000 Lei or 5,000 Euro equivalent for foreign currency must be announced 2 days in advance. Provided the Bank, through the territorial unit, has available the amount requested and not announced by the client, the client request can be performed.

Note: In case of small value payments/incoming (< 50,000 Lei) processed as large value transfers (=>50,000 Lei), the transfer is charged with the commission of large value transfers. Commissions on lei transactions include Transfond/BNR fees.For cash withdrawals or transfers coming from credit disbursing, the commissions of corresponding transactions are ZERO (simple payment order, conditioned payment order, cash withdrawal, etc.)

Commission for foreign currency authenticity check 0.5 Lei/checked banknote - for non-clients

DOMESTIC TRANSFERS - INCOMING



Incoming commission - Interbanking (Lei/operation) Transaction value

• up to 500 Leifree of charge• between 500.01-49,999.99 Lei

• over 50,000 LeiCommission on Incoming from other bank’s clients - intrabanking (Lei/operation) free of charge

Commission on transactions between accounts of the same Client - intrabanking (Lei/operation) free of charge

Commission on CEC/Promissory note/Bills of exchange remitance for collection (inter and intrabanking) Lei/item 2 Lei

INTERNATIONAL TRANSFERS - INCOMING



Incoming commission - BEN/SHA/OUR - for Bank’s clients free of charge

TRANSFERS (cont.)

INTERNATIONAL TRANSFERS - OUTGOING



Commission on payments to

other clients of the bank - intrabanking free of chargeclients of other Banks-interbanking 0.20%; min. eq 10 Euro; max. eq 1,000 Euro

clients of other Banks-interbanking - SEPA Transfer

0.20%; min. eq 10 Euro;

max. eq 1,000 Euro

0.20%; min. eq 10 Euro;

max. eq 1,000 Euro1.5 Euro

Correspondent banks commission, for OUR payments

Operations in Euro 20 EuroOperations in USD 40 USDOperations in GBP 20 GBPOperations in CHF 30 CHFOperations in NOK 250 NOKOperations in SEK 200 SEKOperations in DKK 245 DKKOperations in CAD 45 CADOperations in other currencies eq 25 Euro

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TRANSFERS

INTERNATIONAL TRANSFERS - OUTGOING (2)



Commission amendment/investigation payment (eq. Euro/operation) (Does not apply for incomings coming from UE /EEA* countries, Elvetia and Monaco, in the currencies of these states)

eq. 25 Euro

Commission on payment refusal notification (eq. Euro/operation) free of charge

Commission on payment revoking/recovery

Operations in Euro 10 Euro

Operations in USD, CAD, AUD sau JPY eq. 40 USD

Operations in GBP 25 GBP

Operations in CHF 50 CHF

Operations in NOK, SEK or DKK 20 Euro

Operations in HUF 5.000 HUF

Operations in PLN 120 PLN

Operations in other currencies eq. 30 Euro

Commission on urgent transfer (eq. Euro/operation) eq. 30 Euro

Commission on SWIFT transfer(eq. Euro/operation) 12 Euro 12 Euro free of charge

Postal taxes on documents expedition through special delivery (eq. Euro/operation) - commission debited on document collection

eq. 45 Euro

*EU countries: Austria, Belgium, Bulgaria, Czech Republic, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Irland, Italy, Latvia, Lithuania, Luxembourg, Malta, Great Britain, The Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Hungary; EEA Countries: Liechtenstein, Island, NorwayCommissions on Lei transactions include Transfond/BNR fees.

INTERNET BANKING



Commisssion on payments to clients of other Banks-interbanking (lei/operation) Transaction value

• up to 500 Lei 2 Lei 2 Lei free of charge

• between 500,01-49.999,99 Lei 5 Lei 5 Lei free of charge

• over 50.000 Lei 16 Lei 16 Lei free of charge

Commission on payments to other clients of the bank - intrabanking (lei/operation) free of charge

Commisssion on payments to clients of other Banks-interbanking (foreign currency/operation) 0,15%; min. eq 10 Euro; max. eq 600 Euro

Commisssion on payments to clients of other Banks-interbanking - SEPA transfers (foreign currency/operation)

0,15%;min. eq. 10 Euro; max. eq. 600 Euro

0,15%; min. eq. 10 Euro; max. eq. 600 Euro free of charge

Commission on standing order activation/modification through Internet Banking free of charge

Service subscription commission / (eq Euro/month/contract)

eq. 2 Eurofirst month - free

of charge

eq. 1 Eurofirst month - free of

chargefree of charge

Hard Token guarantee eq. 5 Euro eq. 5 Euro free of charge

Replacement of lost/stolen/deteriorated Hard Token eq. 20 Euro

Mobile Token set-up (commission applied 1 time) eq. 1 Euro

Commissions on lei transactions include Transfond/BNR fees.

INTERNET BANKING

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DIRECT DEBIT



Direct Debit service opening fee free of charge

Direct Debit service administration fee free of chargeCommission on payments to other clients of the bank - intrabanking (Lei/operation) free of charge

Commisssion on payments to clients of other Banks-interbanking (Lei/operation) Transaction value


• between 500.01-49,999.99 Lei 5 Lei 5 Lei free of charge

• over 50,000 Lei 16 Lei 16 Lei free of charge

DIRECT DEBIT

STANDING ORDERSTANDING ORDER



Activation/modification commission stranding order transfer eq. 2 LeiCommission on payments to other clients of the bank - intrabanking (Lei/operation) free of charge

Payment Commission for transfers within client's accounts - intrabanking free of charge

Commisssion on payments to clients of other Banks-interbanking (Lei/operation) Transaction value


• between 500.01-49,999.99 Lei 5 Lei 5 Lei free of charge

• over 50,000 Lei 16 Lei 16 Lei free of charge

Commissions on Lei transactions include Transfond/BNR fees.

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DOCUMENTARY PAYMENT ORDERCOMMISSION TYPE VALUEReceived documentary payment order approval fee (Lei, Foreign Currency/approval) 0.10% min. eq. 50 Euro

Documentary payment order payment fee (Lei, Foreign Currency/operation) 0.20% min. eq. 50 Euro

Documentary payment order amendment (received/issued)/ investigation/cancelation fee (eq. Euro/amendment, investigation or cancelation)

eq. 25 Euro

TRADE RECEIVABLES - SIMPLE INCASSO

Trade receivables approval/delivery fee (Cheques, bills, Promissory Notes) 0.15%; min. eq. 25 Euro; max. eq. 500 Euro

Trade receivables payment fee (Cheques, bills, Promissory Notes)// (Foreign currency/operation)

0.20%; min. eq. 10 Euro; max. eq. 1,000 Euro

Returned unpaid Cheque release fee (eq. Euro/instrument) eq. 5 EuroLETTER OF GUARANTEES (L/Gs) RECEIVEDReceived Letter of Guarantees (L/Gs) notification fee (without the Bank confirmation) (eq. Euro/operation) eq. 50 Euro

Received Letter of Guarantees (L/Gs) cancellation fee (eq. Euro/operation) eq. 25 Euro

Fee on payment request sending for execution of Received Letter of Guarantees (L/Gs) (eq. Euro/operation)

0.10%; min. eq. 75 Euro; max. eq. 500 Euro

Amendments/investigations/cancelations fee (eq. Euro/operation) eq. 25 EuroAuthorized signatures verification fee (eq. Euro/operation) following the request of a non-bank client eq. 25 Euro

TRADE FINANCE

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TREASURY BILLS, DERIVATIVESCOMMISSION TYPE VALUETreasury bills account opening commission (Lei/operation) 10 LeiCommission on sale of T Bills on Secondary Market free of chargeTrading commission - FORWARD ON CURRENCY EXCHANGE RATE (Euro/tranzaction) 10 EuroTrading commission limit order - FORWARD ON CURRENCY EXCHANGE RATE (Euro/tranzaction) 5 Euro

Mandate commission - FORWARD ON CURRENCY EXCHANGE RATE free of chargeTrading commission - SWAP ON CURRENCY EXCHANGE RATE (Euro/tranzaction) 10 EuroPenalty commission for not cleared SWAP ON CURRENCY EXCHANGE RATE 0.10%Mandate commission - SWAP ON CURRENCY EXCHANGE RATE (Euro/tranzaction) free of chargeT Bills auction/subscription participation commission (Lei/operation) 100 LeiCommission on incoming and/or outgoing operations developed through SNCDD clearing account(Lei/operation) 32.50 Lei

Commission on incoming and/or outgoing operations developed through BVB clearing account(Lei/operation) 32.50 Lei

GOOD PERFORMANCE GUARANTEE DEPOSITCOMMISSION TYPE VALUECommission on good performance guarantee deposit analysis (percentage fee calculated on the deposit’s total value) 0.07% min eq. 15 Lei

Good performance guarantee deposit opening fee 5 Lei

ESCROW DEPOSITCOMMISSION TYPE VALUEEscrow deposit administration fee 0.07%, min. eq. 100 Euro

ESCROW DEPOSIT

TREASURY BILLS, DERIVATIVES

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SAFE DEPOSIT BOXESCOMMISSION TYPE VALUE

Safe deposit box monthly rental fee (Lei/month/safe deposit box)

Small: 80 Lei, VAT included

Medium 1: 120 Lei, VAT included

Medium 2: 150 Lei, VAT included

Large: 200 Lei, VAT included

Extra Large: 250 Lei, VAT includedIncreased fee (Lei/month/safe deposit box) (fee collected when there are overdue amounts to safe deposit box monthly rental fee)

Standard monthly fee + 50%

Safe deposit box replacement fee Standard fee established by service provider

Commission on replacement access badge to safe deposit box 50 Lei

GET MONEY TO FAMILY - Money transfer from Italy to Romania

COMMISSION TYPETRANSFERRED AMOUNT

0 - 3,098 Euro 3,098.01 - 5,000 EuroIncoming commission taken from the beneficiary with current account opened on Intesa Sanpaolo Bank Romania

Free of charge

Incoming commission taken from the beneficiary without current account opened on Intesa Sanpaolo Bank Romania

14 Euro 24 Euro

SAFE DEPOSIT BOXES

GET MONEY TO FAMILY

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OTHER COMMISSIONS AND INTERESTSOTHER COMMISSIONS AND INTERESTSCOMMISSION TYPE VALUE

Unauthorized overdraft interest rateLei 40.00%

Euro 25.00%

Unauthorized overdraft penalty interest rateLei 40.00%

Euro 25.00%Account balance confirmation letter to audit eq. 50 EuroCommission on release letter of good standing (Lei/operation) 100 LeiCommission on verification on client request CIP, CRB, BC (Lei/operation) 10 LeiCommission on obtaining Extract, etc. from the Trate Registry Office (Lei/operation) 120% cost valueCommission on available balances operation on accounts blocked by enforcement authorities 17.50 eq. Lei

Commission on incoming and outgoing operations (to/from clients' accounts) ordered by enforcement autorities 17.50 eq. Lei

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ACCUMULATION PLAN

COMMISSION TYPE VALUEAccumulation plan opening fee free of chargeAccumulation plan administration fee free of charge

Cash withdrawal commissionLei: 0.2% from amount withdrawn min. 1 Leu

Euro: 0.2% from amount withdrawn min. 1 EuroAccount statement monthly release commission free of charge

Intrabanking transfer commission from/to Accumulation Plan free of charge

Accumulation Plan standing order transfer commission free of charge

Monthly saving amountLei: min. 40 max. 4,000

Euro: min. 10 max. 1,000

Accumulation plan initial (opening) balanceLei: min. 40 max. 10,000Euro: min. 10 max. 2,500

Minimum balance to be maintained on Accumulation Plan

Lei: 40Euro: 10

Transfer date 5th or 25th of every month, depending on client’s option

ACCUMULATION PLAN

CREDIT OPERATIONS

COMMISSION TYPE

VALUE

Overdraft Personal needs loan without guarantees

Personal needs

loan with real estate mortgage

Mortgage loan/mortgage loan for residential

projects

Prima Casa loan

FNGCIMM analysis unique fee in case of guarantee pre-approval

No fees applied

N/A N/A N/A 0.15%

Analysis fee 150 Lei eq.300 Euro eq.200 Euro N/AGranting fee N/A N/A N/A 0.50%Management fee owed to FNGCIMM annually value, collected monthly in loan's currency

N/A N/A N/A 0.49%

Advanced repayment commission (compensation for advanced repayment)

N/A N/A N/A N/A

Fee for services delivered at customer's request (Lei) 100 Lei 100 Lei 100 Lei 0 Lei

Pledge registration-cancellation of registration cost (Lei/contract)

N/A

according to AEGRM's

operator price list


operator price list


operator price list

For cash withdrawals or transfers coming from credit disbursing, the commissions of corresponding transactions are ZERO (simple payment order, conditioned payment order, cash withdrawal, etc.)

CREDIT OPERATIONS

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MAESTRO DEBIT CARDSFEE CATEGORY STANDARD LIDERMain card issuing fee//Lei/issued cardFee taken when the issuing request/replacement request is made. The fee is taken when the replacement (reissuing) of the card, due to expiry reasons, takes place.

5 Lei free of charge

Suplementary card issuing fee//Lei/issued cardFee taken when the issuing request/replacement request is made. The fee is taken when the replacement (reissuing) of the card, due to expiry reasons, takes place.

5 Lei free of charge

Replacement fee in case of lost/stolen/damaged/demagnetized/blocked card as a consequence of forgotten PIN//(Lei/replaced card )Fee taken at the replacement request

10 Lei 10 Lei

Emergency replacement fee // (Lei/replaced card)Fee taken at the replacement request 10 Lei 10 Lei

Adminsitration fee//(Lei/card)Monthly fee ( the fee will be automatically taken in the last working day of the month). 1 Leu / month free of charge

ATM statement fee//(Lei/statement)Fee taken at statement request free of charge free of charge

Statement fee-delivered through basic mailing channel (in Romania)//(Lei/statement)Fee taken at statement delivery

free of charge free of charge

ATM or POS balance inquiry fee//(Lei/inquiry)Fee taken at inquiry free of charge free of charge

Card blocking fee (e.g.: Blocked card as stolen/los at request)Fee taken at blocking 5 Lei free of charge

Cash withdrawal fee from bank’s ATMs Percentage fee from transaction value, taken at transaction completion 0.25% free of charge

Cash withdrawal fee from bank’s POSPercentage fee from transaction value, taken at transaction completion 0.40% free of charge

ATM/POS cash withdrawal fee-other banks (domestic) Percentage fee from transaction value, taken at transaction completion 0.5% + 2.50 Lei free of charge

ATM/POS cash withdrawal fee-other banks (international) Percentage fee from transaction value, taken at transaction completion 0.5% + 2.50 Lei free of charge

MAESTRO DEBIT CARDS

MAESTRO DEBIT CARDSFEE CATEGORY STANDARD LIDERMerchant purchase fee (POS other banks) - domesticPercentage fee from transaction value, taken at transaction completion free of charge

Merchant purchase fee (POS other banks) - internationalPercentage fee from transaction value, taken at transaction completion free of charge

Unjustified chargeback fee Fee taken at the chargeback’s resolution

20 Lei minimum, needed to cover the respective costs

MAESTRO CARD DAILY TRANSACTION LIMITSLIMIT CATEGORY STANDARD ACCOUNT LIDER PACKAGEATM cash withdrawal + bank's cashier cash withdrawal 5,000 Lei

Cards transation exchange rate BNR + 3%

Merchant transactions 7,500 Lei

MAESTRO DEBIT CARDS (cont.)

MAESTRO CARD DAILY TRANSACTION LIMITS

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MASTERCARD CREDIT CARDS MasterCard STANDARD

MasterCard GOLD

MasterCard PLATINUM

LIMIT TYPE STANDARD GOLD PLATINUM

ATM balance inquiry fee free of charge

PIN change fee N/A

PIN renewal fee N/A

Card emergency replacement fee 30 Lei 150 Lei 350 LeiCash withdrawal fee from the credit line at branch's cashbox free of charge

Bank's POSs card usage fee 2,5% + 5 Lei 1% + 5 Lei

Other bank's POSs card usage fee 2,5% + 5 Lei 1% + 5 Lei

Bank's ATMs card usage fee 1% + 4 Lei 1% + 5 Lei Other domestic banks' ATMs card usage fee 1% + 4 Lei 1% + 5 Lei

Other foreign banks' ATMs card usage fee 1% + 4 Lei 1% + 5 Lei

Merchant transactions fee free of charge

Unjustified chargeback fee 20 Lei

Lost/stolen reissuing fee 15 Lei 100 Lei

Main card issuing fee15 Lei

*0= if a financial transaction is done within 30 days from

activation/issuing

100 Lei*0= if a financial transaction is done within 30 days from

activation/issuing

350 Lei

Suplementary card issuing fee13 Lei

*0= if a financial transaction is done within 30 days from

activation/issuing

75 Lei*0= if a financial transaction is done within 30 days from

activation/issuing

250 Lei Maximum one

Suplementary Card

MASTERCARD CREDIT CARDS

MASTERCARD CREDIT CARDS MasterCard STANDARD

MasterCard GOLD

MasterCard PLATINUM


Main card annual tax 30 Lei 160 Lei N/A

Suplementary card annual tax 15 Lei 80 Lei 15 Lei

Main card monthly admnistration fee N/A 40 Lei Suplementary card monthly admnistration fee N/A 0

Maximum one Suplementary Card Monthly account inquiry fee free of charge

Airport lounge access cardholder fee N/A30 USD / access

În 2011, first 6 entrances for free, in which guests are included

Henry Coanda airport lounge access cardholder fee N/A

First 6 entrances for free, in which guests are included,

afterwards 15 Euro/access

First 12 entrances for free, in which guests are included,

afterwards 15 Euro/access

Henry Coanda airport guest lounge access N/A 15 Euro/access,

maxim 2 guests15 Euro/access,

maxim 2 guests

MASTERCARD CREDIT CARDS daily transaction limits

MasterCard STANDARD

MasterCard GOLD

MasterCard PLATINUM


Daily cash withdrawal limit 5,000 Lei

Daily merchant transaction limit 7,500 Lei

Cash withdrawal from the credit limit 100%

Maximum credit limit 10,000 Lei or 2,500 Euro 30,000 Lei or 7,500 Euro 10,000 Lei or 2,500 Euro

Minimum amount to be paid 5% + 100% fees and interests

Exchange rate card transactions BNR + 3%

MASTERCARD CREDIT CARDS (cont.)

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LEI PAYMENTS

Interbanking Lei payments with value up to 50,000 Leivia Internet Banking 16:45via branches 16:45

Interbanking Lei payments with value up to 50,000 Lei processed urgently (same day clearing)

via Internet Banking 13:30via branches 13:30

Interbanking Lei payments with value exceeding 50,000 Lei


Interbanking Lei payments with value exceeding 50,000 Lei processed urgently (same day clearing)


Lei payments between Intesa Sanpaolo Bank accounts (intrabanking)


FOREIGN CURRENCY EXCHANGE

Foreign currency exchange via Internet Banking 15:45via branches 16:00

FOREIGN CURRENCY PAYMENTS

Payments in foreign currency via Internet Banking 16:00via branches 16:00

Payments in foreign currency processed urgently (for which is requested same day clearing)


Foreign currency payments between Intesa Sanpaolo Bank accounts (intrabanking)


DEBIT INSTRUMENTS OPERATIONSPresentation of cheques, promissory notes and bills to be collected

interbanking 13:45intrabanking 16:45

Account balance coverage for clearing debit instruments received for payment

electronically processed 14:00 on the day previous to clearing

that cannot be electronically processed

10:00 on the day previous to clearing

CUT-OFF TIMES

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I declare that I have been informed by the present List of Standard Costs of the Bank and I agree that these costs be applied during the relationship with the Bank, starting with the mentioned date. I understand and accept Bank’s reserved right to modify the level of commissions, fees and/or taxes depending on the market evolution, its comercial politics and/or specific conditions of transactions, having in mind the preservation of legal and contractual stipulations.

Client signature __________________

Date _________________________

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