2.Payments
Print the entire chapter Print current view Back to index- Cash payments
- Domestic noncash payments
- Foreign noncash payments
- Foreign exchange operations
- Charge tariffs
2.1 Cash payments
| Transaction | in CZK or equivalent |
|---|---|
| Cash deposit | free of charge |
| Surcharge for cash deposit exceeding CZK 500.000 within one day | 0,1 % of the amount deposited, max 1.000,- |
| Deposit into account with Ceskomoravska stavebni sporitelna | 25,– |
| Deposit into account held with another financial institution | 2 % min. 1.000,– |
| Cash withdrawal* | 45,– |
| Surchage for cash withdrawal exceeding CZK 250.000 within one day | 0,1 % of the amount withdrawn, max 2.000,– |
| Unannounced withdrawal exceeding CZK 250.000 | 1.000,– |
| Failure to collect advised withdrawal above CZK 250.000 | 0,3 % min. 500,– |
| Recounting of coins (over 100 pieces) | 1 % min. 100,– max. 1.500,– |
| Fee for changing cash or manipulation with cash | 100,– |
* Entries are booked on the last working day of a calendar month.
2.2 Domestic noncash payments
2.2.1 Incoming payments
| Transaction | in CZK or equivalent |
|---|---|
| Incoming payment within the Bank | free of charge |
| Incoming payment from another bank | free of charge |
The entries are charged on the last business day of a calendar month.
2.2.2 Outgoing payments
| Transaction | in CZK or equivalent |
|---|---|
| Outgoing payment made via electronic banking or generated by system* | |
| entry within the Bank (including entries in a standing order and accepted direct debit) | free of charge |
| entry outside the Bank (including entries in a standing order, SIPO payments and accepted direct debit) | 4,– |
| Outgoing payment made via Phone banking | |
| entry within the Bank | 6,– |
| entry outside the Bank | 6,– |
| Outgoing payment submitted on paper payment order | |
| entry on standard and non-standard Volksbank CZ paper payment order within the Bank | free of charge |
| entry on standard Volksbank CZ paper payment order outside the Bank | 50,– |
| entry on non-standard paper payment order outside the Bank | 75,– |
The entries are charged on the last business day of a calendar month.
* Payment generated by system means a payment made based on application for establishing of standing order, SIPO and permitted direct debit handed over electronically, via phone or personally in branch.
2.2.3 Others
| Transaction | in CZK or equivalent |
|---|---|
| Surcharge for urgent (prior) payment | 200,– |
| Recall of a payment order (entry) - upon previous agreement with the Bank* | |
| before the due date | free of charge |
| on the due date | 150,– |
| Payment investigation outside the Bank at the Client request | 250,– |
| Confirmation of payment execution | 100,– |
| Advice of non-exection of a payment order due to insufficient account cover or payment order errors or illegibility (entry) | |
| electronically (Internet banking) | free of charge |
| via Intoterminál** | free of charge |
| by post | 50,– |
| Change of a payment order due date | 150,– |
* Recalls and amendments to payment orders cannot be made via Phone banking.
** The Infoterminal allows the advice printing of non-exection of a payment order due to insufficient account cover (other advice types are sent to client via post).
2.3 Foreign noncash payments
The Bank reserves the right to stipulate an exchange rate according to the current interbank market when booking incoming and outgoing payments and transfers within the Bank for amounts exceeding CZK 1 mil.
2.3.1 Incoming payments
| Transaction | in CZK or equivalent |
|---|---|
| Incoming payment of BEN/SHA type (Volksbank charges paid by the beneficiary) | |
| from abroad in FX or in CZK | 0,5 % min. 100,– max. 750,– |
| from another domestic bank in FX | 0,5 % min. 100,– max. 750,– |
| from another domestic bank in CZK to FX-account | 0,5 % min. 100,– max. 750,– |
| Incoming payment within the Bank | free of charge |
| Volksbank payment* | free of charge |
| Crediting the returned payment | 300,– |
* Volksbank-payment means : (1) „Volksbank-Transfer“ – incoming and outgoing payment in EUR to/from the following banks: Österreichische Volksbanken AG and all Austrian Volksbanks, Investkreditbank Wien, Volksbank d.d. (Croatia), Volksbank BH d.d. (Bosnia and Herzegovina), Volksbank Romania (Romania), Volksbank a.d. (Serbia), Volksbank Malta Lt. (Malta), Volksbank Slovensko (Slovakia), Magyarorszagi Volksbank Rt. (Hungary), Volksbank - Ljudska Banka d.d. (Slovenia), Electronbank (Ukraine); (2)Incomining and outgoing payment in CZK to/from Volksbank Slovensko (Slovakia); (3) Incoming payment in EUR, CZK from Banca Popolare di Vicenza and from Banca Popolare dell Emilia Romagna.
2.3.2 Outgoing payments
| Transaction | in CZK or equivalent |
|---|---|
| Payment directed abroad in FX or in CZK (+ charges of other bank in case of OUR type payments ) | 1 % min. 300,– max. 1.700,– |
| Payment to another domestic bank in FX (+ charges of other bank in case of OUR type payments) | 1 % min. 300,– max. 1.700,– |
| Payment within the Bank and payment in CZK from an account held in foreign currency to an account held with another domestic bank | 0,5 % min. 50,– max. 300,– |
| Volksbank payment* | 200,– |
| Surcharge for NON-STP payment** | 450,– / 150,– |
| Surcharge for paper payment order (including transfer within the Bank) | 200,– |
* Volksbank-payment means : (1) „Volksbank-Transfer“ – incoming and outgoing payment in EUR to/from the following banks: Österreichische Volksbanken AG and all Austrian Volksbanks, Investkreditbank Wien, Volksbank d.d. (Croatia), Volksbank BH d.d. (Bosnia and Herzegovina), Volksbank Romania (Romania), Volksbank a.d. (Serbia), Volksbank Malta Lt. (Malta), Volksbank Slovensko (Slovakia), Magyarorszagi Volksbank Rt. (Hungary), Volksbank - Ljudska Banka d.d. (Slovenia), Electronbank (Ukraine); (2)Incomining and outgoing payment in CZK to/from Volksbank Slovensko (Slovakia); (3) Incoming payment in EUR, CZK from Banca Popolare di Vicenza and from Banca Popolare dell Emilia Romagna.
** Surcharge of CZK 450,- : payment to EEC (regardless of currency and within the Czech Republic in foreign currency) without BIC indication (with the exception of SC for payments in GBP into UK) and valid IBAN indication and furthermore all other payments without indication of valid bank identification code (BIC or directional bank code, e.g. FW). Surcharge of CZK 150,- : for manual correction of incorrect data or supplementing missing data in a payment order or amendment of data inserted in a wrong field.
2.3.3 Others
| Transaction | in CZK or equivalent |
|---|---|
| Recall or amendment of a payment order (entry)* | |
| before the due date | free of charge |
| on the due date prior to its execution | 200,– |
| payments executed upon client request or upon request of an intermediating bank | 500,- + fee of the foreign bank |
| Surcharge for urgent (priority) payment | 500,– |
| Confirmation of payment execution (SWIFT message) | 400,– |
| Investigation, amendment of instructions or intermediating return of an executed payment | 500,- + fee of the foreign bank |
| Advice of non-exection of a payment order (due to insufficient account cover or payment order errors or illegibility) | |
| electronically (Internet banking) | free of charge |
| by post | 200,– |
| Surcharge for executing a payment after cut-off time (upon previous agreement with the Bank)** | 500,– |
* Recalls can be made upon previous agreement with the Bank. Recalls and amendmets to payment orders cannot be made via Phone banking.
** See the leaflet Terms in payment services.
2.4 Foreign exchange operations
| Transaction | in CZK or equivalent |
|---|---|
| Purchase of foreign currency in cash | free of charge |
| Sale of foreign currency in cash | free of charge |
| Purchase of damaged and preclusive foreign exchange | 8 % of the exchange rate „ foreign exchange purchase“ |
2.5 Charge tariffs
| Transaction | in CZK or equivalent |
|---|---|
| Establishment of a tariff | free of charge |
| Change of a tariff | free of charge |
| Cancelling of a tariff | free of charge |
2.5.1 MEDIUM tariff
| Transaction | in CZK or equivalent |
|---|---|
| Tariff maintenance (monthly)* | 9,– |
* Tariff fee replaces charges for indicated number of executed transactions included in the tariff. Transactions performed in the course of a respective calendar month above the stipulated transaction limit are charged pursuant to the relevant chapters of this List of fees.
MEDIUM tariff includes these transactions:
-
3 cash withdrawals from Volksbank CZ or CSOB ATMs
-
3 ordinary domestic transactions made via direct banking
2.5.2 PREMIUM tariff
| Transaction | in CZK or equivalent |
|---|---|
| Tariff maintenance (monthly)* | 29,– |
* Tariff fee replaces charges for indicated number of executed transactions included in the tariff. Transactions performed in the course of a respective calendar month above the stipulated transaction limit are charged pursuant to the relevant chapters of this List of fees.
PREMIUM tariff includes these transactions:
-
2 cash withdrawals from Volksbank CZ or CSOB ATMs
-
10 ordinary domestic transactions made via direct banking
2.5.3 EXTRA tariff
| Transaction | in CZK or equivalent |
|---|---|
| Tariff maintenance (monthly) * | 49,– |
* Tariff fee replaces charges for indicated number of executed transactions included in the tariff. Transactions performed in the course of a respective calendar month above the stipulated transaction limit are charged pursuant to the relevant chapters of this List of fees.
EXTRA tariff includes these transactions:
-
6 cash withdrawals from Volksbank CZ or CSOB ATMs
-
14 ordinary domestic transactions made via direct banking