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Main banking fees as of -DQXDU\
VW
, 2015
CURRENT ACCOUNTS
Current accounts
Account management fee: free of charge
Account closing balance fee: EUR 2,50 / quarter
Postal charges:
- fortnightly or monthly statement of account free of charge
- weekly statement of account postal charges / mailing1
- daily statement of account postal charges / mailing1
- periodic statement of account EUR 8,00 / quarter
Cheque book of 10 cheques (retail customers): EUR 10,00 / cheque book
TUP – Payment order forms: EUR 2,50 / 45 forms
EUR 4,00 / 90 forms
Youth accounts: axxess START/UNIF/JOB
Account management fee: free of charge
Account closing balance fee: free of charge
Postal charges for monthly statements of account: free of charge
ZEBRA: the “all-inclusive” current accounts for retail customers
Offer e-ZEBRA
Monthly fee
ZEBRA Monthly fee
ZEBRA classic EUR 2,00 EUR 2,50
ZEBRA confort EUR 5,75 EUR 6,50
ZEBRA surf EUR 7,25 EUR 8,00
ZEBRA first EUR 9,50 EUR 10,50
ZEBRA BUSINESS: the complete solution based on a business current account
ZEBRA BUSINESS EUR 9,75 / month
ZEBRA BUSINESS plus EUR 19,50 / month
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Value dates of deposits and withdrawals
Bank note currency
EUR and
BGN, CHF, CZK, DKK, GBP, HUF, HRK, ISK, LVL, LTL, NOK, PLN, RON, SEK
without currency exchange
EUR and
BGN, CHF, CZK, DKK, GBP, HUF, HRK, ISK, LVL, LTL, NOK, PLN, RON, SEK
with currency exchange
other currencies with and without
currency exchange
(AUD, CAD, USD, JPY, NZD, …)
Deposit Withdrawal Deposit Withdrawal
Current account Day of transaction Day of transaction + 1 working day - 1 working day
SAVINGS PRODUCTS
Savings accounts and passbooks
Account management fee: free of charge Account closing balance fee: EUR 2,50 / year Account closing balance fee - KNAX, axxess & Fit4Future: free of charge Postage for statements of account: free of charge Postage for periodic statements of account: EUR 8,00 Issue of a certificate: EUR 8,00
Value dates
Product Debit Credit
Savings passbook - 10 working days + 11 working days
Savings account
Rent guarantee savings account Alternative savings account
- 2 working days + 5 working days
Housing savings account - 1 working day + 1 working day
Youth savings accounts: KNAX, axxess, Fit4Future
Day of transaction + 1 working day
Bearer bonds
Subscription of BCEE bearer bonds: free of charge
Interest payment of BCEE bearer bonds: free of charge
Custody fees of BCEE bearer bonds in a securities account: free of charge
Currency: EUR, USD
Available terms: 3 months, 1 year or 2, 3, 4, 5, 7, 10 years
Minimum denomination for physical delivery: EUR 5.000 or USD 5.000
Minimum denomination for dematerialized bearer bonds: EUR 1.000 or USD 1.000 Early redemption is possible against payment of a commission.
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Term deposits
Account management fee: free of charge
Account closing balance fee: free of charge
Minimum deposit: EUR 10.000 (or equivalent in foreign currency)
Available terms: 1,2,3,4,5,6,7,8,9,10,11,12 months
A commission is due for early redemption. This commission equals the actual market debit rate increased by 0,75%, calculated prorata temporis on the remaining period of the fixed term. The amount of the debit interests cannot be higher than the credit interest of the concerned deposit. Value dates:
Credit on term deposit: transaction date + 2 working days Debit on current account: transaction date + 2 working days
Gradual rate deposits
Management fee: free of charge
Closing balance fee: free of charge
Withdrawal fee: EUR 25,00
Available terms (version with exit option): 2, 3, 5 years
Available terms (version without exit option): 18 months, 2, 3, 5 years
Minimum deposit: EUR 10.000
In both cases, the capital is guaranteed and available at the final maturity date. Any capital withdrawal outside the semi-annual maturity dates (version with exit option) or at the final maturity date (version without exit option) brings the agreement to an end and is subject to the payment of a withdrawal fee and, for the version without exit option, an early redemption fee.
FINANCING
Loans
Annual management fee: EUR 12,00
Quarterly closing balance fee: EUR 2,50
Half-year closing balance fee: EUR 5,00
Annual closing balance fee: EUR 10,00
Closing balance fee for personal & student loans: free of charge
Issue of certificate: EUR 8,00
Copy of the contract: EUR 15,00
Mortgage redemption fee (in Luxembourg): EUR 175,00
Leasing
Accounting fee for bills less than EUR 2.500 (VAT excluded): EUR 30,00 Early repayment fee: 1% of the repayment value, min. EUR 150,00 and max. EUR 500,00
Claiming fee for outstanding rents: EUR 30,00
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Copy of a document: EUR 3,00 + Postal charges EUR 1,50
Re-leasing fee: EUR 50,00
Recovery and parking fee: EUR 400,00
Sale of material fee: EUR 350,00
Bank guarantees
Quarterly management fee: min. EUR 27,00
Fee for claiming the bank guarantee: Retail customer, per claim EUR 50,00 Wholesale customer, per claim EUR 125,00
MISCELLANEOUS CHARGES
Accounts
Management fee for numbered accounts: EUR 575,00 per year
Fee for hold mail: EUR 200,00 per year
Reminder overdraft: EUR 3,00
Bank notes
Exchange of notes and coins in the same currency: 0,10% of the amount with min. EUR 6,50
Currency exchange for transit customers: EUR 5,00
EUR withdrawal from an e-ZEBRA account at a branch: EUR 1,50
Foreign currency withdrawal from an account held in the same currency: 0,50% with min. EUR 2,50 and max. EUR 250,00
Night deposit
Annual management fee: EUR 100,00
Bag:
- containing one or more coins2 EUR 4,00 - containing mixed banknotes and/or unconditioned banknotes2 EUR 4,00 Missing deposit slip2 EUR 6,00 Difference between funds remitted and amount mentioned on the deposit slip2 EUR 6,00
Inquiry charges
Inquiry fees: EUR 50,00 per hour
Online inquiries with immediate reply: free of charge
Copy fees for a document related to an inquiry: EUR 3,00
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Issuing of certificates
Certificate confirming balance and/or account interest: EUR 8,00
Postage for periodic statement: EUR 8,00
Certificate confirming securities in custody: EUR 25,00
Confirmation for auditors: EUR 100,00
Termination of business relationship
Retail customer (relationship > 12 months): free of charge
Retail customer (relationship < 12 months): EUR 50,00
Wholesale customer: max. EUR 150,00
CARDS
Annual fee
V PAY axxess: free of charge
V PAY S-Card Top: EUR 12,25
VISA Classic: EUR 12,00
VISA Premier: EUR 90,00
VISA Business: EUR 45,00
MasterCard Blue: EUR 12,00
MasterCard Gold: EUR 55,00
MasterCard Business: EUR 45,00
MasterCard Miles & More Blue: EUR 65,00
MasterCard Miles & More Gold: EUR 95,00
MasterCard Miles & More Business: EUR 115,00
Fees for electronic banking services
Debit cards
Withdrawal in EUR from a BCEE S-BANK ATM: free of charge
Withdrawal in EUR from another bank’s ATM in one of the EU countries: EUR 1,50
(one free withdrawal in EUR per card per month)
Withdrawal in other currencies from an ATM located in one of the EU countries (e.g. England, Denmark,
Sweden): V PAY network EUR 4,00
Withdrawal from an ATM located in a country outside the EU (e.g. Switzerland):
V PAY network EUR 4,00
Payment in EUR in one of the EU countries: free of charge
Payment in other currencies in one of the EU countries: EUR 0,50
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Withdrawal in EUR from a BCEE S-BANK ATM:
- by direct debit on current account: free of charge
- by differed debit (debit via monthly statement): 2% of amount + EUR 2,50 Withdrawal from another bank’s ATM in Luxembourg and/or abroad:
- by differed debit (debit via monthly statement): 2% of amount + EUR 2,50
Payment in shops with a credit card: free of charge
Miscellaneous fees
Replacement of damaged/defective/lost/stolen card: EUR 12,00
Copy credit card statement EUR 8,00
SAFE DEPOSIT BOXES
Safe rental
To rent a deposit box you need to be the holder of a current account with BCEE. The rental agreement is valid for one year and is renewable tacitly. A cancellation is possible anytime.
The content of the safe is insured free of charge up to an amount5 of EUR 50.000. The insurance covers break-ins as well as fire and water damages.
Most of BCEE’s branches are equipped with deposit boxes.
The rental fees, depending on the size of the deposit box, are debited automatically from your BCEE current account.
Size of deposit box Annual rent VAT included (In EUR) < 17 dm3 45,00 17 – 26,99 dm3 70,00 27 – 59,99 dm3 120,00 60 – 99,99 dm3 180,00 100 – 199,99 dm3 280,00 200 – 399,99 dm3 380,00 400 – 699,99 dm3 650,00 ≥ 700 dm3 950,00
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Important notice
This is an overview of BCEE’s main banking fees as of January 1st, 2015. The various charges listed may be
cumulative depending on circumstances.
This list of products and services is not exhaustive. For any further questions please do not hesitate to contact the staff at your BCEE branch.
With reference to article 19.1, para. 2 and 19.2 of our General Terms and Conditions, it should be noted that ”Banque et Caisse d’Epargne de l’Etat, Luxembourg reserves itself the right to realign its charges and commissions. Any modification of commissions, charges or rates implies a corresponding right on the part of the customer to terminate the agreement in question when the resulting cost is unduly high compared with the costs he was entitled to expect on signature of the agreement”.
