AGENDA
PERSONAL PRODUCTS
AND SERVICES
CONDITIONS
AND PRICES 2015
The bank
for a changing
world
CONTENTS
CURRENT
ACCOUNT
4
Customised Current Account
4
Account
fees
6
In-branch transaction fees and value dates
6
Other
fees
7
PAYMENT
CARDS
8
Subscription
fee
8
Transactions carried out with bank cards
9
Other
fees
10
TRANSFER
OPERATIONS
11
Transfers – Out
11
Transfers
–
In
12
Value dates and cut-off time
12
Other
fees
12
“OUR” correspondent fees
13
SAVINGS
ACCOUNT
16
Account
fees
16
Cash-transaction fees and value dates
16
SECURITIES
OPERATIONS
17
Securities
custody
17
Custody
fee
17
Securities
transactions
17
Equity-market
operations
19
OTHER SERVICES AND FACILITIES
21
Cheques
21
Safe-deposit box hire
22
Night
depository
22
Certificates
23
GLOSSARY
1)24
NOTES
26
CONTENTS
CURRENT ACCOUNT
CURRENT ACCOUNT
Customised current accounts
Standard Current Account Startin’ HIGH SCHOOL STUDENTS (aged 12-17) Startin’ STUDENTS (aged 18-29) Startin’ JOB STARTERS (aged 18-29) Standard ESSENTIEL E-ssentiel
THE ESSENTIEL RANGE
Current account EUR, USD, CAD, GBP, CHF, JPY, AUD, DKK, NOK, NZD, SEK Any currency
Transactions fixed rate / month
Electronic transfer to a BGL BNP
Paribas account free free
Electronic transfer < EUR 125,000 and standing orders to another account in the SEPA 15 free
(additional EUR 0.75 / transaction)
1 free
(additional EUR 0.75 / transaction)
Hard copy transfer to a BGL BNP Paribas account
4 free
(additional EUR 1 / transaction)
0 free (additional EUR 1 / transaction) 1 free (additional EUR 1 / transaction)
Hard copy transfer < EUR 125,000 to another account in the SEPA *
2 free
(additional EUR 3.50 / transaction)
0 free (additional EUR 3.50 / transaction) 1 free (additional EUR 3.50 / transaction)
V PAY ATM withdrawal *
BGL / GlobalNetwork*
/Raiffeisen / Unlimited
V PAY ATM withdrawal *
other EU bank (additional EUR 2 / transaction)3 free
0 free EUR 3 / transaction 0 free EUR 3 / transaction
V PAY card *(debit) 1 standard card EUR 15 / year
Account statement 1 hard copy statement / account / month or electronic extracts (Web Banking) 2) postal rate in force postal rate in force
Monthly fee free EUR 2.50 free n/a
LIBERTÉS OFFERS
Bank cards 1) (monthly fee) V PAY (debit) n/a EUR 1 EUR 15 / year MasterCard Blue1 free card EUR 1
VISA Classic
World MasterCard Gold / World MasterCard Gold
Priority n/a EUR 4.50 EUR 55 / year
MasterCard Platinum
n/a EUR 15 n/a EUR 190 / year
Elite MasterCard EUR 25 EUR 325 / year
Web CreditCard EUR 1 EUR 1 EUR 12 / year
Batch of transfers (unit cost per bracket)
If batch [1-24] transfers => EUR 0.75 / transfer If batch [25-49] transfers => EUR 0.70 / transfer If batch [50-99] transfers => EUR 0.65 / transfer If batch ≥ 100 transfers => EUR 0.60 / transfer
OptiLine * 1) line of credit
+ Protect * insurance n/a Terms and conditions available in branch. n/a
Terms and conditions available in branch
BGL BNP Paribas Nomad * insurance n/a EUR 9 / month EUR 9 / month
CURRENT ACCOUNT
Customised current account
Standard current account Professionals Self-employed professionals
THE ESSENTIEL RANGE
Current account EUR, USD, CAD, GBP, CHF, JPY, AUD, DKK, NOK, NZD, SEK Any currency
Transactions fixed rate / month
Electronic transfer to
a BGL BNP Paribas account unlimited free
Electronic transfer < EUR 125,000 and standing orders to another account in the SEPA
25 free
(additional EUR 0.75 / transaction)
1 free
(additional EUR 0.75 / transaction)
Hard copy transfer to a BGL BNP
Paribas account (additional EUR 1 / transaction)6 free
1 free
(additional EUR 1 / transaction)
Hard copy transfer < EUR 125,000
to another account in the SEPA * (additional EUR 3.50 / transaction)5 free
1 free
(additional EUR 3.50 / transaction)
V PAY ATM withdrawal BGL /
Raiffeisen / Network Unlimited
V PAY ATM withdrawal *
other EU bank (additional EUR 2 / transaction)4 free EUR 3 / transaction0 free
V PAY card * (debit) n/a EUR 15 / year
Account statement 1 hard copy statement / account / month or electronic extracts (Web Banking) 2)
postal rate in force
Monthly fee EUR 14.50 EUR 18.50 n/a
LIBERTÉS OFFERS
Bank cards 1) (monthly fee)
V PAY * (debit)
EUR 1 EUR 15 / year
MasterCard Blue VISA Classic
MasterCard Gold card /
World MasterCard Gold Priority EUR 4.50 EUR 55 / year
MasterCard Platinum EUR 15 EUR 190 / year
Elite MasterCard EUR 25 EUR 325 / year
Web CreditCard EUR 1 EUR 12 / year
VISA Business 1-56-50 >50 EUR 3.30 EUR 2.08 EUR 1.66 EUR 40 / year EUR 25 / year EUR 20 / year
Payment card free free
Batch of transfers (unit cost per bracket)
If batch [1-24] transfers => EUR 0.75 / transfer If batch [25-49] transfers => EUR 0.70 / transfer If batch [50-99] transfers => EUR 0.65 / transfer If batch ≥ 100 transfers => EUR 0.60 / transfer
OptiLine * 1) line of credit + Protect * insurance n/a Terms and conditions
available in branch Terms and conditions available in branch
BGL BNP Paribas Nomad * insurance n/a EUR 9 / month
1) Subject to acceptance of your application.
2) For any additional account statements, the current cost of postage shall be applicable.
1) Subject to acceptance of your application.
CURRENT ACCOUNT
CURRENT ACCOUNT
Current account
Standard price Customised current account price Account opening free
Account administration free
Annual interest rate applied if account’s credit limit exceeded*
without a line of credit* 14.25%
Posting of mail (including VAT) EUR 50.44 / year
Account statements
Sending by post posting price / sending 1 statement included / month / account(then cost of postage) Electronic statement free
Account summary fees
Current account EUR 3 / quarter included in monthly fee
Reserve Privilege*, mortgage, investment loan EUR 3 / quarter
Account Guarantee Plus 1)
For people aged ≥ 18 EUR 3.72 / year / root account For people not of legal age aged (12-17) free
Remote banking agreement* including:
phone banking, Web banking and Mobile Banking free
Cash denominated in...To an account Fees Value dates
Without foreign exchange
EUR EUR free D Currencies Currencies free D With
foreign exchange
EUR Currencies See “foreign exchangecommissions” table + 2 BD 2)
Currencies EUR free D Currencies Currencies free + 2 BD 2)
1) Only for resident customers. 2) = business day.
ACCOUNT FEES
IN-BRANCH TRANSACTION FEES AND VALUE DATES
Transfer operations
Cash denominated in...To an account Fees Value dates
Without foreign exchange
EUR EUR free D Currencies Currencies 0.50% of the amount withdrawn with a minimum of EUR 2.48. D
Amount or exchange value Fee / transaction
< EUR 2,500 EUR 1.24 EUR 2,500.01-EUR 6,000 EUR 3.72 EUR 6,000.01-EUR 12,500 EUR 8.68 EUR 12,500.01-EUR 25,000 EUR 16.11 EUR 25,000.01-EUR 125,000 EUR 28.51 EUR 125,000.01-EUR 250,000 EUR 55.78 > EUR 250,000 EUR 111.55
With foreign exchange
EUR Currencies See “foreign exchangecommissions” table D Currencies EUR free D Currencies Currencies free D
1) The BGL BNP Paribas exchange rate may change and fluctuate in relation to other high street banks and the foreign exchange market.
Withdrawal operations
Foreign exchange commissions
1)OTHER FEES
Transfer Fee / transaction Value date
Transfer to a BGL BNP Paribas account
carried out by a third party EUR 3 D
Purchase of foreign currency notes Fee / transaction
Customers holding an account with BGL BNP Paribas 0.50% of the amount (minimum EUR 2.48) Third party (up to an exchange value of EUR 250) 1% of the amount with a minimum of EUR 4.96 CHF deposit fee see price list at bgl.lu
PAYMENT CARDS
PAYMENT CARDS
PAYMENT CARDS
SUBSCRIPTION FEE
Credit cards *
V PAY debit cards *
Validity period: 5 years
Current account
Standard price 2) The Customised Current Account
1st card price DUO option *
V PAY 1) EUR 15 / year
EUR 1 / month EUR 0.5 / month V PAY Startin’ 12-17 1)
n/a V PAY Startin’ 18-29 1)
Validity period: 3 years
Current account
Standard price 2) The Customised Current Account
1st card price DUO option *
MasterCard
Blue EUR 15 / year EUR 1 / month EUR 0.50 / month Gold / Gold Priority EUR 55 / year EUR 4.50 / month EUR 2.25 / month Platinum EUR 190 / year EUR 15 / month
n/a Elite EUR 325 / year EUR 25 / month
Web Credit Card EUR 12 / year EUR 1 / month EUR 0.50 / month MasterCard Silver 1-56-50
>50
EUR 3.30 / month EUR 2.08 / month
EUR 1.66 / month n/a
VISA
Classic EUR 15 / year EUR 1 / month EUR 0.50 / month Business 1-56-50
>50
EUR 3.30 / month EUR 2.08 / month EUR 1.66 / month
1) A V PAY* debit card is included in the Startin’ offers for young people and in the Standard and Group ESSENTIEL offers.
2) The annual fee is withdrawn on the 1st of the month following the month ending after the card for the current year has been ordered.
Withdrawals
Optiflex current account
Standard price Customised Current Account price Value date
ATMwithdrawal * BGL BNP Paribas (or Raiffeisen) free
Date debited from the account
ATM withdrawal * within the EU V PAY
+ Switzerland, Turkey and Israel EUR 3 / withdrawal
3 free
(additional EUR 2 / transaction)
ATM withdrawal * outside the EU V PAY EUR 6 / withdrawal EUR 5 / withdrawal
Payments
Optiflex current account Standard price /
Customised current account price Value date In shops (EU V PAY)* free Date debited
from the account In shops (outside EU V PAY)* EUR 1 / transaction
Payments
Optiflex current account Standard price /
Customised current account price Value date In shops within the EU (EUR transaction) free Date of the withdrawal booking date In shops with the EU / outside the EU (non-EUR transaction) Foreign exchange fee
Cash advance
Optiflex current account Standard price /
Customised current account price Value date Cash-advance commission for ATMs* within the EU
(EUR transaction) EUR 2.48 + 2% of the amount withdrawn
Date of the withdrawal booking date Cash-advance commission for ATMs* within the EU
(non-EUR transaction) EUR 2.48 + 2% of the amount withdrawn + foreign exchange commission Cash-advance commission
for ATMs* EU / outside EU (non-EUR transaction) EUR 2.48 + 2% of amount withdrawn + foreign exchange fee 1)
1) Foreign exchange fee: foreign exchange commission + mark-up fee *.
Mark-up fee* applied to transactions (non-EUR):
TRANSACTIONS CARRIED OUT WITH BANK CARDS
Debit cards*
Credit cards *
Within the Global Network* and Global Alliance* networks, credit-card withdrawals abroad have the same price and conditions as domestic transactions.
MasterCard VISA GBP rate 1.00% 1.25% USD rate 1.00% 1.25% Other currency rate 1.00% 1.00% CHF rate 0.85% 0.40%
TRANSFER OPERATIONS
PAYMENT CARDS
OTHER FEES RELATING TO PAYMENT CARDS (INCLUDING VAT)
Re-issuing PIN for debit or credit card free
Replacing debit or credit card free
Blocking debit or credit card free
Statement of transactions for credit card* EUR 7.12 / statement Duplicate statement for credit card* EUR 14.24 / statement Urgent card request for credit card* EUR 76.31 / request Urgent PIN request for credit card* EUR 76.31 / request
Amount of the transaction or exchange value in foreign exchange
Transfers to another country / transaction
Hard copy Electronic
≤ EUR 2,500 EUR 5.98 EUR 4.34 EUR 2,500.01-EUR 6,000 EUR 9.92 EUR 7.44 EUR 6,000.01-EUR 12,500 EUR 19.83 EUR 14.87 EUR 12,500.01-EUR 25,000 EUR 30.99 EUR 24.79 EUR 25,000.01-EUR 125,000 EUR 55.78 EUR 49.58 EUR 125,000.01-EUR 250,000 EUR 111.55 EUR 99.16 > EUR 250,000 EUR 198.31 EUR 185.92
1) Standing orders are included in the monthly fee. 2) Fees to be instructed in SHARE mode.
3) 25 for professionals and self-employed professionals.
4) Fees authorised to be instructed in OUR mode. Correspondent’s fees may possibly be added. 5) In fees at instructor’s expense mode, these fees may be in addition to any correspondent’s fees.
TRANSFER OPERATIONS
TRANSFERS – OUT
Transfers in EUR to Luxembourg and within the
SEPA
*
Transfers to a country outside the SEPA and/or in foreign exchange
5)Standard current account
price Customised current account price
Transfer from a BGL BNP Paribas account... Number of free transactions 1) / month Pricing /
additional transaction ... to another personal account
(belonging to the same customer root account)
Hard copy Unlimited free
Electronic Unlimited free
... to another BGL BNP Paribas account Hard copy 1 4 EUR 1 Electronic Unlimited Unlimited free
… to another account in the SEPA*2)
(≤ EUR 125,000)
Hard copy 1 2 EUR 3.50 Electronic 1 15 3) EUR 0.75 … to another account in the SEPA*(> EUR 125,000.00) 4)
EUR 125,000-EUR 250,000 Hard copy EUR 110
n/a n/a Electronic EUR 90
> EUR 250,000 Hard copy EUR 150 Electronic EUR 130
… to another BNPP Group2) account (if in the SEPA*)
Otherwise: ≤ EUR 2,500 EUR 2500-EUR 6000 > EUR 6,000
Hard copy EUR 5.98EUR 9.92 EUR 15 ≤ EUR 2,500
> EUR 2,500 Electronic EUR 4.34EUR 5 > EUR 125,000 Hard copy EUR 15
Electronic EUR 5
Direct debit (debtor) free
DigiCash transaction free
TRANSFER OPERATIONS
TRANSFER OPERATIONS
Amount of the transaction or exchange value in foreign exchange
≤ EUR 2,500.00 EUR 4.34 EUR 2,500.01-EUR 6,000.00 EUR 7.44 EUR 6,000.01-EUR 12,500.00 EUR 14.87 > EUR 12,500.01 EUR 24.79
Receipt of payment order Implementation date
Funds out value date of debit corresponding to the transaction implementation date = D
Funds in:
SEPAEUR or foreign currency* 2)
Other currencies
In case of foreign exchange
value date of credit corresponding to the date the funds are available
D +1 BD +2 BD Hard copy transfer received in branch before 16:30,
Monday to Friday the following business day, at the latest Hard copy transfer received in branch, Saturday 2 BDs, at the latest
Transfer via Web Banking, phone banking or MultiLine
received after 15:00 on a business day + 1 BD Transfer via Web Banking, phone banking or MultiLine
received on a non-business day The next BD
Urgent transfer EUR 12.39 / transaction Fax confirmation of a transfer order (including VAT) EUR 12.60 / transaction
Hard copy transfer that does not meet scanning requirements* EUR 5 / transaction
Joint transfer submitted in hard copy (at the instructor’s expense) EUR 0.62 / transaction 3)
Action in the event of missing, incorrect or incomplete IBAN* or BIC* account number EUR 5 / transaction MT 101 transfer fees (SWIFT* format for all payment orders) EUR 1.25 / transaction MT 940 transfer fees (international electronic format for account statements) free
Free
1) In fees at instructor’s expense mode, these fees may be charged at the same time as any correspondent’s fees;
for foreign exchange transactions, a foreign exchange commission will be applied.
2) SEPA currencies: BGN, CHF, CZK, DHH, EEK, GBP, HUF, ISK, LTL, LVL, NOK, PLN, RON, SEK. 3) The hard copy transfer fees debited are added at the end of the month.
TRANSFERS – IN
VALUE DATES AND
CUT-OFF TIME
*
OTHER FEES
Transfers in EUR originating in a SEPA country
Transfers in EUR or foreign currency received from a country outside the SEPA
1)The ordering customer bears our costs as well as those of the correspondent bank if the “OUR” instruction is selected (all fees charged to the ordering party). Cross-border payments within the SEPA can be made in “OUR” mode if the amount of the transaction exceeds EUR 125,000.
Country
(of beneficiary’s bank) Currency of the transfer Amount of the transfer (expressed in EUR) Correspondent's fees(in EUR)
Luxembourg
EUR any amountnational (within LU) payments
in EUR are never processed in “OUR” Free
Currency ≤ EUR 12,500.00 EUR 12,500.01-EUR 50,000.00 > EUR 50,000.00 EUR 20 EUR 40 EUR 75 Germany
EUR > EUR 125,000 EUR 7 Currency ≤ EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 EUR 25,000.01-EUR 50,000.00 > EUR 50,000.00 EUR 7 EUR 10 EUR 20 0.07% max. EUR 50
Andorra – Bulgaria – Cyprus – Croatia – Estonia – Hungary – Iceland – Poland – Czech Republic – Romania –
Slovakia – Slovenia
EUR > EUR 125,000 EUR 75 Currency any amount EUR 15
Finland – Åland Islands EUR > EUR 125,000 EUR 7
Currency any amount EUR 15
Spain – Ceuta – Melilla – Canary Islands EUR > EUR 125,000
0.1% min. EUR 50 max. EUR 75 Currency any amount EUR 15
Belgium
EUR > EUR 125,000 EUR 75 Currency ≤ EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 EUR 25,000.01-EUR 50,000.00 > EUR 50,000.00 EUR 4 EUR 10 EUR 20 EUR 75
Austria EUR > EUR 125,000 EUR 50
Currency any amount EUR 15
1) OUR: Our costs.
TRANSFER OPERATIONS
TRANSFER OPERATIONS
Country
(of beneficiary’s bank) Currency of the transfer Amount of the transfer Correspondent's fees
France - Guadeloupe – French Guiana – Martinique – Mayotte – Miquelon – Reun-ion – St-Barthélemy – St-Martin – St-Pierre
EUR > EUR 125,000 EUR 20 Currency any amount EUR 15
Gibraltar – United Kingdom EUR > EUR 125,000 EUR 20
Currency any amount EUR 15
Greece
EUR > EUR 125,000 0.2%min. EUR 10 max. EUR 75 Currency any amount EUR 15
Monaco EUR > EUR 125,000 EUR 20
Currency any amount EUR 15
Sweden – Denmark EUR > EUR 125,000 EUR 7
Currency any amount EUR 15
Switzerland - Liechtenstein EUR > EUR 125,000 EUR 7
Currency any amount EUR 15
Lithuania – Latvia EUR > EUR 125,000 EUR 11
Currency any amount EUR 15
Portugal EUR > EUR 125,000
0.05% min. EUR 15 max. EUR 75 Currency any amount EUR 15
Italy – San Marino EUR > EUR 125,000 EUR 75
Currency any amount EUR 15
Netherlands EUR > EUR 125,000 0.1 % max. EUR 68
Currency any amount EUR 15
Ireland – Malta EUR > EUR 125,000 EUR 11
Currency any amount EUR 15
Norway EUR > EUR 125,000 EUR 75
Currency any amount EUR 12
Country
(of beneficiary’s bank) Currency of the transfer Amount of the transfer Correspondent's fees
South Africa 1) EUR ≤ EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 EUR 25,000.01-EUR 50,000.00 > EUR 50,000.00 EUR 10 EUR 20 EUR 30 EUR 75 Currency any amount 0.35%min. EUR 12
max. EUR 25
Australia – New Zealand 1) EUR
≤ EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 EUR 25,000.01-EUR 50,000.00 > EUR 50,000.00 EUR 10 EUR 20 EUR 30 EUR 75 Currency any amount EUR 12
Canada EUR ≤ EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 EUR 25,000.01-EUR 50,000.00 > EUR 50,000.00 EUR 10 EUR 20 EUR 30 EUR 75 Currency any amount EUR 7
Other countries 1) EUR
≤ EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 EUR 25,000.01-EUR 50,000.00 > EUR 50,000.00 EUR 10 EUR 20 EUR 30 EUR 75 Currency any amount EUR 15
Japan 1) EUR ≤ EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 EUR 25,000.01-EUR 50,000.00 > EUR 50,000.00 EUR 10 EUR 20 EUR 30 EUR 75 Currency any amount 0.05%min. EUR 20
max. EUR 75
United States of America Any currency any amount EUR 5
Guernsey 1) – Isle of Man 1) – Jersey 1) Any currency any amount EUR 15
1) If, exceptionally, the fees received by the correspondent bank exceed the maximum stated in this document, BGL BNP Paribas reserves the right
SECURITIES OPERATIONS
SAVINGS ACCOUNT
D = day of transaction, BD = business day, CD = calendar day Interest is recorded on 31 December of the present year.
Young people aged < 18 Natural persons aged > 18 Account summary fees free EUR 3 / year Account statements:
• sending by post • electronic statements
Free monthly statement free
Savings account Savings book Time-deposit accounts
Cash To an account denominated
in... Fees Value dates Fees Value dates Fees Value dates
Without conversion
EUR EUR free +15 CD free +15 CD free +2 BD Currencies Currencies free +10 BD n/a n/a free +10 BD
Savings account Savings book Time-deposit accounts
From an account
denominated in... To cash Fees Value dates Fees Value dates Fees Value dates
Without conversion
EUR EUR free 2 BD free -15 CD free D Currencies Currencies free -2 BD n/a n/a a minimum 0.50% with
of EUR 2.48 D With
conversion
EUR Currencies free +10 BD n/a n/a
See “foreign exchange commissions”
table
+2 BD Currencies EUR free +5 BD free +15 CD free +2 BD Currencies Currencies free +10 BD n/a n/a free +2 BD
With conversion
EUR Currencies free -2 BD n/a n/a
See “foreign exchange commissions”
table
D Currencies EUR free -2 BD free -15 CD free D Currencies Currencies free -2 BD n/a n/a free D
SAVINGS ACCOUNT
ACCOUNT FEES
CASH-TRANSACTION FEES AND VALUE DATES
Transfer operations
Withdrawal operations
BGL BNP Paribas securities free
Subscription to other issuers EUR 60 Equity-market purchase from other issuers EUR 60 Send to home address Please inform our advisers Custody fees are withdrawn quarterly, at the start of each quarter.
The securities placed in custody are held free of charge until the end of the quarter.
The custody fee* deducted remains the property of the bank even if the security is withdrawn before the end of the quarter.
Shares in BNP Paribas Group, including the shares of Group entities issued under their former names (FBL, BGL, Fortis Group), are free of custody fees*
Minimum / deposit EUR 10 / quarter Minimum / item (line) EUR 3.10 / quarter Fixed price / item for which the security price is not available EUR 12.39 / quarter
SECURITIES OPERATIONS
SECURITIES CUSTODY
SECURITIES TRANSACTIONS
Custodianship
Physical delivery of securities linked to a purchase transaction (per security item)
CUSTODY FEES
BNP Paribas Group shares
Other securities and precious metals
At a BGL BNP Paribas counter free
Through a bank: (= inwards transfer) • free of payment
• for payment
free
EUR 45
Deposit value in EUR
(or exchange value in foreign exchange) (+15% VAT)Securities Precious metals(+17% VAT) < EUR 500,000.00 0.200% 0.300% EUR 500,000.00-EUR 1,250,000.00 0.150% 0.225% > EUR 1,250,000.00 0.100% 0.150%
SECURITIES OPERATIONS
SECURITIES OPERATIONS
Important: Any taxes or fees that the bank may have to pay following custodianship or withdrawal operations are not included in our commission. They are deducted separately, for example:
• registered security registration fees;
• taxes associated with changes in security ownership (0.50% in the United Kingdom).
Note: The physical delivery of securities relating to securities operations (re-investment, exchange, award, stamp-marking, bond conversion, etc.) is free of charge.
Paying company Collection fees (per security)
Interest and dividends Security reimbursement From BGL BNP PARIBAS free
From another bank in Luxembourg free
Foreign paying company: All other coupons and dividend cheques
Brackets Rate Brackets Rate
< EUR 2,478.95 with a minimum 2.50%
of EUR 2.48 < EUR 123,946.77 0.50% EUR 2,478.95-
EUR 12,394.68 1.00% ≥ EUR 123,946.77 0.25% ≥ EUR 12,394.68 0.50%
Other fees Foreign exchange commissionCorrespondent’s fees*
Transfer of registered securities
Transfer of securities from BGL BNP Paribas custody
Collection of securities in custody
BGL BNP Paribas Group shares and bonds free
Investment funds domiciled with BGL BNP Paribas free
Other issuers EUR 90
To the custody elsewhere within BGL BNP Paribas free
To the custody of a bank of the Fortis Group in Benelux free
To the custody of another bank • free of payment
• for payment
EUR 60 / transfer EUR 75 / transfer
Purchase / sale fees Luxembourg equity market Other equity markets 1) Over the counter
Minimum fee EUR 24.79 EUR 74.37 EUR 24.79 ≤ EUR 49,578.70 (or exchange value in foreign exchange) 0.50%
Please ask our in-branch advisers
about prices
0.65% EUR 49,578.71-EUR 123,946.76 (or exchange value in foreign
exchange) 0.40% 0.50% EUR 123,946.77-EUR 247,893.52 (or exchange value in foreign
exchange) 0.30% 0.30% > EUR 247,893.53 (or exchange value in foreign exchange) 0.20% 0.20%
Purchases and sales of structured product are deducted in line with the “Bonds – Over the Counter” prices.
Purchase fees Sale fees
BGL BNP Paribas Investment Partners Net asset value (NAV) + commission, as per prospectus As per prospectus Other funds 2) 3) 4) NAV + commission, as per prospectus
+0.15% fee Prospectus conditions-0.65% fee
EQUITY-MARKET TRANSACTIONS
Shares and warrants
Options
Bonds
Investment funds
Purchase / sale fees Luxembourg equity market Other equity markets 1) Over the counter
Minimum fee EUR 24.79 EUR 74.37 EUR 74.37 ≤ EUR 49,578.70 (or exchange value in foreign exchange) 0.80% 1.50% 0.65% EUR 49,578.71-EUR 123,946.76
(or exchange value in foreign exchange) 0.60% 1.25% 0.50% > EUR 123,946.77 (or exchange value in foreign exchange) 0.40% 1.00% 0.30%
Purchase / sale fees Equity market of any country
Minimum fee EUR 74.37 ≤ EUR 2,478.94 (or exchange value in foreign exchange) 5.00% > EUR 2,478.95 (or exchange value in foreign exchange) 4.00%
1) Potential equity-market taxes are not included in our commission and are deducted separately, for example:
- United Kingdom: 0.50% on purchase of securities; - Switzerland: 0.09% on purchase and sale of securities.
2) Funds without incoming commission are deducted in line with the “Shares and Warrants – Over the Counter” prices.
3) Funds domiciled outside the EU are deducted in line with the “Shares and Warrants – Over the Counter” prices + commission, as per prospectus. 4) US mutual funds are deducted in line with the “Shares and Warrants” prices.
OTHER SERVICES AND FACILITIES
SECURITIES OPERATIONS
Note: in the case of a conversion transaction, a foreign exchange commission is applied (see transfer-operation and foreign exchange-transaction prices).
Note: In the case of conversion transactions, a foreign exchange commission is applied. Purchase fees
Bonds and structured products in EUR free
Bonds and structured products in foreign exchange 0.15% with a minimum of EUR 6.20 / purchase Stocks 0.50% with a minimum of EUR 12.39 / purchase
Incoming commission 1.5% (instead of the 3% for a standard funds subscription) Outgoing commission 0%
Securities custody Quarterly statement Standing order
free
Primary market subscriptions
Easinvest
OTHER SERVICES AND FACILITIES
CHEQUES
Encashment fees
Issuance fees
Cheques in EUR drawn on Luxembourg
(without foreign exchange) Fees Value date
Cheques drawn on BGL BNP Paribas free Receipt date +1 BD Cheque drawn on another high street bank:
direct deposit under usual reserve:
• cheque ≤ EUR 50,000 • cheque > EUR 50,000
credit after encashment
EUR 3 / transaction EUR 3 / transaction
EUR 18 +correspondent’s fees*
Receipt date +2 BD Receipt date +4 BD date funds available +2 BD Cheques in EUR drawn on foreign
country (or foreign currency cheque) Fees Value date
Cheque amount or exchange value
in foreign exchange ≤ EUR 125.00 EUR 2,500.00EUR
125.01-EUR 2,500.01-EUR 12,500.00 EUR 12,500.01-EUR 25,000.00 > EUR 25,000.00
Direct deposit EUR 10 EUR 15 EUR 30 EUR 50 EUR 65 Receipt date 1) +4 BD
Credit after encashment Direct deposit fee + EUR 15 + correspondent’s fees* Date funds available +2 BD
Cheque issuance (the fees are borne by the BGL BNP Paribas issuer) Fees
BGL BNP Paribas cheque:
• Issuance fees 2) (cheque in EUR)
+ possible transfer fees 2) if beneficiary bank non-LU
+ possible foreign exchange fees in event of foreign exchange 2)
EUR 3
hard copy transfer outside the SEPA and / or in foreign exchange 4)
foreign exchange commission 4)
Cashier’s cheque:
• Issuance fees 3) (cheque in EUR)
+ possible transfer fees 3) if beneficiary bank non-LU
+ possible foreign exchange fees in event of foreign exchange 3)
EUR 4.96
hard copy transfer outside the SEPA and / or in foreign exchange 4)
foreign exchange commission 4)
1) Cheque received by BGL BNP Paribas Cheque Service before 10:00.
2) These fees are payable by the issuer when the beneficiary encashes the cheque. 3) These fees are payable by the issuer when the cheque is issued.
OTHER SERVICES AND FACILITIES
OTHER SERVICES AND FACILITIES
Other fees
Fees
Return of unpaid cheques:
• on Luxembourg • on foreign countries
EUR 2.50 / cheque
EUR 12.50 / cheque + correspondent’s fees*1)
Tracer request EUR 12.50 / request Blocking and cancellation of a cashier’s cheque drawn on a foreign correspondent bank
(in foreign exchange) EUR 25 +correspondent’s fees*/ cheque
Important:
• Cashier’s cheques are drawn on our funds and are paid in accordance with the transfer fees; • The correspondent’s fees* on encashed cheques are borne by the remitter.
1) + potential foreign exchange commission.
SAFE-DEPOSIT BOX HIRE (INCLUDING VAT)
NIGHT DEPOSITORY (INCLUDING VAT)
Category Door height in cm Annual fee
A up to 10.00 EUR 49.85 B 10.01 to 14.00 EUR 66.13 C 14.01 to 19.00 EUR 81.40 D 19.01 to 25.00 EUR 96.65 E 25.01 to 30.00 EUR 111.91 F 30.01 to 40.00 EUR 127.18 G 40.01 to 50.00 EUR 142.44 H 50.01 to 60.00 EUR 167.87 I 60.01 to 70.00 EUR 188.22 J 70.01 to 80.00 EUR 203.47 For double the width: 2 x the price
For half the width 0.5 x the price
Note: The rent is payable in advance.
Monthly direct debit.
10 free deposits per month, from the 11th: EUR 6 per night-depository deposit made.
CERTIFICATES (INCLUDING VAT)
Fees
Statement of income from securities EUR 57.50 / statement
Recovery of tax withheld at source (minimum threshold of EUR 250) 3% of the amount of the tax recoveredMinimum: EUR 143.75 / request Maximum: EUR 575 / request Tax authorities’ forms EUR 115 / form
Exemption from withholding at source (minimum threshold of EUR 250) EUR 115 / case Certificates of interest or balance of an account:
• ≤ 5 years • > 5 years
EUR 2.50 / certificate
EUR 2.50 / certificate + EUR 29.25 / hour of searching Searching for a requested specific transaction:
• within 3 months of it being carried out • after 3 months of it being carried out
free
EUR 29.25 • Reference letter (creditworthiness certificate)
• Certificate of monthly payment of a standing order
• Certificate of ownership (confirmation of holding an account) • Confirmation of having had a relationship with the bank • Certificate of account closure
• Confirmation of studies • Confirmation of payment
