Retail Banking
General Tariff of Charges
Retail Banking General Tariff of Charges
Personal
Banking
Advance*
Additional Information
BANKING SERVICE CHARGES
Account Charges
Savings Accounts
Monthly minimum balance (monthly average)
20.000
Monthly Charge if below minimum Balance
1.000
or equivalent amount in foreign currency
Current Accounts
Monthly minimum balance (monthly average)
500.000
Monthly Charge if below minimum Balance
8.000
Overdrawn Current Account (Monthly)
5.000
or equivalent amount in foreign currency
Issuing Cheque Books:
Small (25 leaves)
10.000
Free
Fixed Deposits
Minimum Deposit Amount
1,000.000
Breaking prior to maturity (irrespective of tenure)
25.000
or equivalent amount in foreign currency
Call Deposits
Monthly Charge if below minimum Balance
3.000
Advance Monthly Service Charge
N/a
Minimum Balance of BHD 10,000
5.000
Free for customers meeting the deposit criteria
OTHER CHARGES
Internal Transfer between HSBC Accounts
0.400
External Transfer
Refer to Wire Transfer charges
Standing Order - Setup
3.000
Standing Order - Amendments
3.000
Penalty for insufficient funds
10.000
Copy of Account Statement - past one year
5.000
Copy of Account Statement - over 1 year old
10.000
Copy of Transaction Documents
10.000
Account Balance Certificate
10.000
Stop Payment
10.000
Discharge Certificate (Non-liability Certificate )
10.000
Verification of documents
10.000
Full Credit Bureau Report Request
5.000
1
Charges applicable for over the counter transfers
/ provided free via ATM, Internet Banking &
Phone Banking
BD10/- per year per account
May be done only for HSBC Group Banks
Retail Banking General Tariff of Charges
Personal
Banking
Advance*
Additional Information
CHEQUE COLLECTION
Incoming Cheques
No Charge
Outgoing Cheques
No Charge
Cheque Returned by the Bank
No Charge
Cheques drawn on other banks returned unpaid
Cheque Returned to the Bank
14.000
Cheques drawn on HSBC returned unpaid for
the reason: refer to drawer/not arranged for/
represent// insufficient fund
Foreign Currency Cheques sent for collection
10.000
per cheque
Cheques purchased
BD 10/- for postage, commission - 0.2% of the
cheque amount, minimum BHD5/- max 200/-
Returned Cheque drawn on account, due to Technical Reasons 10.000
FCY Inward Remittances
0.2%
Minimum BHD 5/- Max BHD 200/-
CASH WITHDRAWAL CHARGES
Over the Counter withdrawal below BD 1500/-
N/a
5.000
Over the Counter withdrawal below BD 1000/-
5.000
N/a
Counting coins
5.000
BHD 5/- regardless of the amount being counted
Cash withdrawal from foreign currency accounts
4.00%
except for USD - 1%
Cash deposit into foreign currency accounts
4.00%
except for USD - 1%
7.000
DDs will not be issued against cash or cheques
over the counter
per withdrawal
REMITTANCE FEES
Cancellation of Demand Draft
10.000
Collection of International Managers Cheque
12.000
Issue of Cashier's Order
5.000
Cancellation of Cashiers Order
10.000
Fixed TT Charges when Overseas charges are to be debited
to the account of the remitter - charges will be debited to the
account the following day
10.000
Payment Investigation Charges - applicable for TTs rejected
for errors
5.000
BD5/- if drawn on HSBC Group
10.000
Charge is applicable for each instance that the
transfer is resubmitted
WIRE TRANSFER (SWIFT)
Within Kingdom of Bahrain
0.400
Outside Bahrain - HSBC Group Banks
7.000
BD 5/- if done over the internet
Outside Bahrain - non-HSBC Group Banks
8.000
BD 6/- if done over the internet
Global Transfers (Me2Me)
n/a
2
$7.000
Applicable for transfers made over the internet
Retail Banking General Tariff of Charges
Personal
Banking
Advance*
Additional Information
DEBIT CARDS (Local & International)
Initial
No Charge
Replacement
5.000
Cash Withdrawal & Balance Inquiry
HSBC ATMs in Bahrain
No Charge
Other Bank's ATMs in Bahrain
0.100
HSBC ATMs outside Bahrain
1.000
Applicable exchange rate
Non-HSBC ATMs outside Bahrain
2.000
Applicable exchange rate
Reissue ATM PIN Code
5.000
Balance Inquiry
Foreign currency transactions on Debit Cards that are not in
your billing currency will be converted at a wholesale market
rate, attracting a processing fee of up to
Same charges apply as with cash withdrawal
2.5%
2.5%
CREDIT CARDS
Finance Charge - Classic Cards
2.50%
Finance Charge - Visa Platinum Cards
2.50%
Finance Charge - Gold Cards
2.50%
Finance Charge - Advance Cards
2.25%
Finance Charge - Premier Cards
2.00%
Annual Membership - Classic Cards
20.000
Annual Membership - Visa Platinum Cards
30.000
Annual Membership - Gold Cards
30.000
Annual Membership - Premier Cards
Free
Free*
* If Advance against deposits - 1st year free
The existing Finance Charge and Annual Fees will remain the same for all bank performed upgrades from Classic to either
Gold or Advance Credit Cards.
Card Replacement
5.000
5.000
PIN Reissue
5.000
5.000
Card Cancellation Fees*
5.000
5.000
* Charged per credit card account
Credit Card Cash Withdrawal Fee
Inside Bahrain
5.00%
Minimum BD 10.000
Outside Bahrain
5.00%
Minimum BD 10.000
* Standard Finance Charges apply on all
Cash withdrawls
Foreign Currency Transactions (transactions not in your
billing currency): A processing fee will be charged for foreign
currency transactions (as a percentage of the transaction
amount), after the transaction has been converted into the
Billing Currency in accordance with, and at a rate of exchange,
set out in the terms and conditions.
3
3% on foreign currency transactions
Retail Banking General Tariff of Charges
Personal
Banking
Advance*
15.000
15.000
Additional Information
0.60% of the outstanding amount
12.000
12.000
Annual Percentage Rate (APR) for Personal Loans
6.51%*
6.46%*
Administration fees for Personal Loans
BD150
(fixed)
BD150 (fixed)
Interest Rate for Auto Loans [NEW vehicle]
5.65%
5 year Auto Loan (Conditions apply)
Interest Rate for Auto Loans [USED vehicle]
8.50%
5 year Auto Loan (Conditions apply)
LOANS
7 year P.Loan for BD10,000/- (conditions apply)
Administration fees for Auto Loans
BD120/- for New vehicle, BD130/- for used
vehicle
Administration for Mortgage loans
1% of the loan amount or BD200/- whichever
is higher
Partial Settlement
1% of outstanding OR BD100/- whichever
is lower
OVERDRAFTS
Interest Rates
Ranges from 7.35% to 13.75% based on
financial assessment
Administrative Fees
Ranges from 0.75% to 2.00%
Early Settlement Fees
Personal/Auto Loans
1% of outstanding OR BD100/- whichever is
lower
Mortgage Loans
0.75% of outstanding OR BD200/- whichever
is lower
Postponement of Installment
25.000
Personal Loan Past Due (Monthly)
2% Penalty
Interest on
the overdue
amount
BD25/- per installment
20.000
PAYMENT INVESTIGATION CHARGES
Amendment - Requested by customer
5.000
Beneficiary claim no receipt - Customer error
5.000
Recall Funds - Less than six months
5.000
Additional USD 40/- will be charged for other
Bank charges.
Recall Funds - More than six months
10.000
Additional USD 80/- will be charged for other
Bank charges.
* for Advance customers, if no specific charge is mentioned, Personal Banking Charges to apply
* Unless stated, all charges in are BHD
* Effective Date 12.11.2015
4
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