BANK TERMS & CONDITIONS
UNICREDIT BANK
CZECH REPUBLIC, A.S.
Valid from 01.01. 2012
CONTENT
1. FEE SCHEDULE
1.1. CURRENT ACCOUNT
1.2. CLEAN PAYMENTS AND MONEY TRANSFERS
3
3
1.3. CHEQUE DRAWING
4
1.4. DOCUMENTARY COLLECTIONS, ACCEPTANCES AND DRAFTS
4
1.5. DOCUMENTARY CREDITS / COMMERCIAL LETTERS OF CREDIT
5
1.6. GUARANTEES
5
2. GENERAL REMARKS
2.1. GENERAL REMARKS
2.2. NON-STP CONDITIONS
6
6
1. FEE SCHEDULE
1.1. CURRENT ACCOUNT
In Czech crowns (CZK) and foreign currencies
Account opening
free of charge (No minimum balance required)
Account maintenance
free of charge
Credit interest rate
subject to arrangement
Debit interest rate
subject to arrangement
Statement MT 950
free of charge (MT 950 is generated only in
case, if there is a movement on the account.)
Incoming domestic payments in the account currency
free of charge
Non-advised incoming payment over amount of CZK 20 mln
CZK 1 000.-
Outgoing payments in favour of banks as ultimate beneficiaries /MT 2XX/
CZK 100.- per item
CUT-OFF TIME
For payments MT2XX
For credit advice MT210
Inhouse Transfers
12:00 a.m.
12:00 a.m.
03:00 p.m.
NON-STP payments*
CZK 450.- (cca EUR 18.-/USD 24.-)
Payment for cash withdrawal will be sent after 30 days back to the payer in case of no withdrawal.
INVESTIGATIONS
Investigations up to 3 months
Investigations more than 3 months
CZK 1 000.CZK 2 500.-
Audit reports on reciprocal terms
free of charge
Balance confirmation
CZK 1 000.-
Detailed statement of account and outstanding transactions
CZK 1 500.-
1.2. CLEAN PAYMENTS AND MONEY TRANSFERS
INCOMING PAYMENTS IN FAVOUR OF UNCR CUSTOMERS:
Europayment
Standard payment
NON-STP fee*
CZK 200.0.9 %, min. CZK 200.-, max. CZK 1 500.CZK 450.- (cca EUR 18.-/USD 24.-)
INCOMING PAYMENT IN FAVOUR OF THIRD BANK’S CUSTOMERS:
such payments will be processed only in case the sending bank keeps a nostro account with UNCR;
these payments will be handled according to PSD regulation – full payments amount will be transferred to the beneficiary’s
bank;
payments must be sent with fee instruction SHA. In case payment will be sent with fee instruction OUR or BEN it will be
processed as SHA;
Sending bank will be charged a flat fee for payment processing.
MT103 onward
NON-STP fee*
CZK 250.CZK 450.- (cca EUR 18.-/USD 24.-)
Fees will be booked and invoiced with regular monthly/quarterly periodicity. Invoice will be sent by e-mail or by post.
CUT-OFF TIME
For MT 103
For MT 101 standard
For MT 101 SDVA (urgent)
12:00 a.m.
12:00 a.m.
12:00 a.m.
INVESTIGATIONS
Investigations up to 3 months
Investigations more than 3 months
CZK 1 000.CZK 2 500.-
1.3. CHEQUE DRAWING
Cheques drawn on UNCR bank
free of charge
Submission of cheques for credit
1 %, min. CZK 300.-, max. CZK 2 400.-
Unpaid items
CZK 800.- plus all actual bank’s expenses
1.4. DOCUMENTARY COLLECTIONS, ACCEPTANCES AND DRAFTS
Handling fee
3 ‰, min. EUR 70.-
Obtaining acceptances (without documents), if they remain with us until
collection at maturity
free of charge
Domiciliation commission
0.5 ‰, min. EUR 30.-
Amendment fee
EUR 70.- per amendment
Delivery free of payment, in addition to amendment fee and collection fee
3 ‰, min. EUR 70.-
Goods shipped to our address or left at our disposal
Collection fee plus release charge
EUR 70.-
CHARGES FOR RETURNED ITEMS
Unpaid receipts, drafts, other unpaid collection documents, unprotested bills
Protesting and return of unpaid bills
1.5 ‰, min. EUR 70.plus correspondent’s charges
3 ‰, min. EUR 120.- plus protest charges
in addition to the respective collection fee
1.5. DOCUMENTARY CREDITS / COMMERCIAL LETTERS OF CREDIT
Advising directly
Advising through second advising bank
1 ‰, min. EUR 70.1.5 ‰, min. EUR 140.-
Confirmation
by arrangement
Deferred payment
under confirmed L/C’s
under unconfirmed L/C’s (monitoring maturity)
by arrangement
1 ‰, min. EUR 70.-
Taking up documents
if all charges are for the account of the buyer
3 ‰, min. EUR 120.-
Amendment commission, in addition to confirmation fee (if any)
EUR 70.- per amendment
Transfer of the L/C
2,5 ‰, min. EUR 140.-
REIMBURSEMENT UNDER DOCUMENTARY CREDITS OPENED
WITH OTHER BANKS
Advising of a reimbursement authorization
Confirmation of a reimbursement authorization
Payment under a reimbursement authorization
EUR 70.see confirmation of documentary credits
EUR 70.- per payment
DISCREPANCIES OF DOCUMENTS
Presentation of non-conform documents under documentary credits
Discrepancy fee
EUR 80.-
HOLDING OF UNPAID DOCUMENTS
Storage and administration fee connected with holding
of unpaid documents longer than 1 month
EUR 70.- per each month
1.6. GUARANTEES
Issuance fee of guarantee/letter of undertaking
Standard wording
Non-standard wording
EUR 150.EUR 300.-
Drafting of a guarantee/letter of undertaking
EUR 150.-
Guarantee or letter of undertaking
commission (payable in advance)
by arrangement, min. EUR 160.- p.a.
Amendment fee
EUR 80.-
Payment upon calling on a guarantee
3 ‰, min. EUR 150.-
Advising a guarantee
1 ‰, min. EUR 80.-, max. EUR 300.-
Advising of an amendment
EUR 80.- per amendment
2. GENERAL REMARKS
2.1. GENERAL REMARKS
1. The aforementioned conditions are subject to change without previous notice.
2. All charges apply to standard transactions in CZK and foreign currency.
3. We reserve the right to levy a special charge when exceptional work is involved or in the event of unusual circumstances.
4. All conditions included in this schedule are also valid for orders transmitted via S.W.I.F.T.
5. Postage, S.W.I.F.T., telex, telephone charges and other out-of-pocket expenses as well as correspondent’s charges, if any,
are for instructing party account.
6. Letters of credit are subject to the “Uniform Customs and Practice for Documentary Credits” as laid down by the International
Chamber of Commerce, Paris.
7. Collections are subject to the “Uniform Rules for Collections” issued by the International Chamber of Commerce, Paris.
8. We remain at instructing party disposal for any information on conditions relating to transactions not indicated in the
schedule.
9. This List of Terms and Conditions replaces all previous editions.
10. Clean payments are made only in case the Ordering Bank keeps the Correspondent Account with ourselves. All other
ones are rejected under deduction of Investigations fees.
2.2. NON-STP CONDITIONS
* NON-STP surcharge is applied to any foreign payment, except for cheques, if:
IBAN of the beneficiary is missing or incorrect, when required (all payments within the EU and EEA);
BIC (SWIFT code) of the beneficiary’s bank, intermediary’s bank, or sender’s bank are missing or incorrect – please use the field
A: exclusively;
the payment contains a special handling instruction. Such instruction is understood to be
(i) use of a code word other than as defined by the bank,
(ii) use of a NON-STP code word (i.e. a code word that is correct but constitutes a NON-STP processing of the payment), or
(iii) entry of a code word in other than the prescribed format in an electronic banking application. The code words defined by
the bank that does not cause the application of NON-STP surcharge are the following: /KS/, /VS/, /SS/
assignment of bank charges is different from „SHA“ (shared = fees of sending bank paid by the payer; fees of receiving bank
paid by the beneficiary).
Patterns of correct STP-Formatted Transactions:
MT103 f/o our customer
MT103 f/o third Bank’s customer
:23B:CRED right codeword
:23B:CRED right codeword
:32A:091016USD1,00
:32A:091016CZK1,00
:33B:USD1,00
:33B:CZK1,00
:59:/CZ6227000000002102033881 benef. IBAN
::57A:CNBACZPP benef.bank
Name of benef.
:59:/CZ0907100210120007925081 benef. IBAN
:
Name of benef.
:70:detail of payment
:71A:SHA
:72:/VS/xxx
/SS/xxx
-}