Citizens
1.Current accounts and deposits
Print the entire chapter Print current view Back to index1.1 KONCEPT DOMÁCÍ ACCOUNT
VOLKSBANK PERSONAL ACCOUNT
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With effect from 06.01.2012 Volksbank personal account management is replaced by the price and conditions of the domestic accounts
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Intended for individuals over 18 years of age
CONDITIONS FOR ACTIVELY BENEFITING FROM THE VOLKSBANK PERSONAL ACCOUNT AND BONUS
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at least 1 incoming noncash payment to the account in the minimum amount of CZK 15,000 monthly
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5 or more outgoing transactions monthly
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Outgoing transactions are understood to be any payment or withdrawal by payment card, cash withdrawal or outgoing payment executed outside the Bank or to the account of another client. Also regarded as an outgoing payment is a payment charged in the given month to a current account (but in no case to a savings account) designated for personal purposes. Not regarded as outgoing payments are internal transfers such as for payment and crediting of interest or loan payments.
Loyalty benefits and bonus for Volksbank personal account
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FREE products: Payment Cards ((Visa Electron, Maestro, Visa Classic, MasterCard Standard), Internet banking, eVýpis, Token, Overdraft
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The loyalty bonus relates to all additional services and products among the basic and standard banking services (List of Fees, Individuals), including payment services but with the exception of the chapters:
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1.2.4. Escrow account, 1.2.5. Other accounts, 1.3. Savings accounts, 1.4. term deposits, 1.5. Passbooks, 1.6. Current accounts and deposits/Others, 2.2. Foreign exchange, 2.3.4. Payments/Domestic noncash payments/Others, 2.4.3. Payments/Foreign noncash payments/Others, 2.5. Fee tariffs, 4.1.3. Payment cards/Debit cards/Others, 4.2. Credit cards, 4.4. Diners Club payment cards, 5.2 Consumer loans, 5.3. Mortgage loans, 5.4. Fees for nonpayment and nonfulfillment of contractual conditions, 6. Investments, 7. Other banking services
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The stated preferences under the Volksbank personal account apply for every calendar quarter (hereafter just "Preferential Quarter") if in the previous calendar quarter the client fulfilled both of the aforementioned conditions for generating a bonus. During a Preferential Quarter, the client will pay fees in prepayment form in the full amount. Always on the last business day of a calendar month, the Bank will apply its charges and any possible overpayment arising on the basis of the provided discount to that stated day shall be credited back to the client's account.
1.2 Current accounts
1.2.1 Current account
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 47,– |
| Account statement (per statement)** | |
| electronic account statement(e-statement)/collection at Infoterminal | free of charge |
| by post upon turnover / weekly / monthly / quarterly*** / yearly*** | 35,– |
| Copy of an account statement, copy of Debit/Credit Advice | |
| statement for last 12 months/older than 12 months | 50,– |
| Infoterminal - fee for issuing the Infocard | free of charge |
| Issuing Confirmation of the balance on the account | 1.000,– |
| Fee for dispatch key (yearly) | 400,– |
| Blocking an account at the Client request | 200,– |
| Blockage of payment of deposit products | 500,- |
* The fee is booked on the last day of a calendar month.
** The standard method of statement hand out is electronic account statement (e-statement) or via Infoterminal. In case of accounts established before 31.10.2009, the method of statement hand out is agreed in the account contract and the statement is provided for free (except term deposits). Fee is charged for each copy.
*** Term accounts only
1.2.2 STYL Account
| Transaction | in CZK or equivalent |
|---|---|
| Opening of an account | free of charge |
| Maintenance of an account (monthly)* | 89,– |
* The fee replaces fees for maintenance of individual products which are included in an account.
STYL Account includes these products and services:
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maintenance of a current account in CZK including an overdraft loan (overdraft loan is provided based of evaluation on clienťs financial standing performed by the Bank)
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product for the savings purposes
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maintenance of a payment card including travel insurance (international debit personal card VISA Electron or Maestro or VISA Classic or MasterCard Standard)
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maintenance of the second payment card for 50% of the yearly fee (international debit personal card VISA Electron or Maestro)
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maintenance of a direct banking service (Internet banking or Phone Banking)
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current account monthly statement creation
1.2.3 EXCLUSIVE Program
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 199,– |
* The fee replaces fees for maintenance of individual products which are included in an account.
EXCLUSIVE Program includes these products and services:
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maintenance of a current account in CZK with advantageous balance interest
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maintenance of a current account in foreign currency
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maintenance of the overdaft loan to one current account (overdraft loan is provided based of evaluation of clienťs financial standing performed by the Bank)
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maintenance of two payment cards including Standard or Standard Family travel insurance fixed for one of the cards (international personal card VISA Classic or Master Card Standard)
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maintenance of the third payment card for 50% of the yearly fee
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maintenance of a direct banking service (Internet banking or Phone banking)
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conclusion of Securities Administration Contract and Brokerage Agreement and maintenance of custodies for maintenance of securities
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current account monthly statement creation every current account
1.2.4 Escrow account
| Transaction | in CZK or equivalent |
|---|---|
| Fee for an escrow account | 0, 5 % of the escrow account amount, min 3.000,- |
1.2.5 Other accounts
1.2.5.1 Fit Account
Actively not offered from 8.8.2011
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly) | 47,– |
Fit Account includes these products and services:
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maintenance of a current account in CZK including an overdraft loan (overdraft loan is provided based of evaluation on clienťs financial standing performed by the Bank)
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product for the savings purposes
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maintenance of a payment card (international debit personal card VISA Electron or Maestro)
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current account monthly statement creation
1.2.5.2 Free Account
Program of banking services for students - age group 15 to 30 years.
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | free of charge |
* The fee replaces fees for maintenance of individual products which are included in an account.
Free Acount includes these products and services:
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maintenance of a current account in CZK with advantageous interest including overdraft loan (overdraft loan is provided based on a client financial standing evaluated by the Bank)
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maintenance of a payment card including Standard travel insurance (international debit personal card VISA Electron or Maestro)
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maintenance of a direct banking service (Internet banking or Phone Banking)
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current account monthly statement creation
1.2.5.3 RYBIČKA Account
Program of banking services for children from their birth up to the age of 15 years.
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | free of charge |
| Fee for cash withdrawal from an account** | 70,- |
* The fee replaces fees for maintenance of individual products which are included in an account.
** Potential surcharge for cash withdrawal pursuant to chapter 2.1 Cash payments is added to the fee.
RYBIČKA Account includes these products and services:
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maintenance of a current account in CZK with advantageous balance interest
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maintenance of a payment card (international debit personal card VISA Electron or Maestro for children from 10 to 15 years of age
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current account monthly statement creation
1.2.5.4 Active Account, Active Account PLUS
Valid also for AKTIV account PLUS – Active offer terminated k 31.3.2011
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 55,- |
* The fee replaces fees for maintenance of individual products which are included in the account. No fee is charged for accounts opened before 14th March 2007.
1.3 Savings accounts
1.3.1 Currrent savings account
applies also to Current investment account (account designed for saving) – active offer terminated
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly) | free of charge |
| Monthly fee for usage of Internet banking service* | free of charge |
| Outgoing payment** | |
| made via electronic banking | |
| entry outside the Volksbank CZ (including standing order entries, SIPO payments and accepted direct debit) | 18,– |
* The fee stated is being charged if the Internet banking service has been arranged to the Investment current account.
** The above mentioned fee amount applies for transactions carried out via Current savings account. Entries are booked on the last working day of a calendar month. Other fees not mentioned above follow relevant chapters of the List of Fees
1.4 Term deposits
| Transactions | in CZK or equivalent |
|---|---|
| Establishment of a term deposit | free of charge |
| Maintenance of the term deposit | free of charge |
| Renewal of revolving term deposit | free of charge |
| Cancellation of a term deposit | free of charge |
| Premature withdrawal of founds from the term deposit / premature cancellation of the term deposit | individually |
1.5 Passbooks
active offer terminated from 25.5.2009
| Transaction | in CZK or equivalent |
|---|---|
| Cancellation of a passbook | free of charge |
| Issue of duplicate passbook | 100,– |
| Taking redeem proceedings | 250,– |
| Prohibition of payout initiated by the depositor | 100,– |
| Deposit/Withdrawal | free of charge |
| Premature withdrawal from current passbook | 0,5 % of the amount withdrawn for each commenced month of notice period not met |
1.6 Others
| Transaction | in CZK or equivalent |
|---|---|
| Interest rate for unauthorised overdrafts on current accounts | 25 % p.a. |
| Fee for reminder to settle debit balance on the account, Subsequent fine for not observing the contractual conditions | |
| first reminder | 100,- |
| second and each following reminder | 200,- |
| Subsequent fine for not observing the contractual conditions | 2.000,- |
| Infoterminal - loss of lent Infocard | 200,- |
Citizens
2.Payments
Print the entire chapter Print current view Back to index- Cash payments
- Foreign exchange operations
- Domestic noncash payments
- Foreign noncash payments
- Charge tariffs
2.1 Cash payments
| Transaction | in CZK or equivalent |
|---|---|
| Cash deposit | free of charge |
| Unsorted banknotes - surcharge for cash deposit exceeding CZK 500 000 within one day | 0,1 % of the amount deposited, max 1.000,- |
| Surcharge for cash deposit in foreign currency (exceeding CZK 500,000 or equivalent) within one day | 0,1 % of the amount deposited, max 1.000,- |
| Deposit into account with Ceskomoravska stavebni sporitelna | 50,– |
| Deposit into account held with another financial institution | 2 % min. 1.000,– |
| Cash withdrawal* | 60,– |
| Surchage for cash withdrawal exceeding CZK 250.000 within one day | 0,2 % of the amount withdrawn |
| Unannounced withdrawal exceeding CZK 250.000 | 1.000,– |
| Failure to collect advised withdrawal above CZK 250.000 | 0,3 % min. 500,– |
| Fee for changing cash consisting of more than 100 notes or coins of the same nominal value, including recounting of coins | 1% min. 100,- CZK |
| Fee for changing cash consisting of more than 100 notes or coins of the same nominal value, including recounting of banknotes (only) | 0,1 % of the amount |
| Surcharge for cash withdrawal in foreign currency (except EUR,USD,GBP and CHF) | 0.5% of the withdrawn amount |
* Entries are booked on the last working day of a calendar month.
2.2 Foreign exchange operations
| Transaction | in CZK or equivalent |
|---|---|
| Purchase / sale of foreign currency in cash | free of charge |
| Purchase of damaged and preclusive foreign exchange | 8 % of the exchange rate „ foreign exchange purchase“ |
2.3 Domestic noncash payments
2.3.1 Incoming payments
| Transaction | in CZK or equivalent |
|---|---|
| Incoming payment within Volksbank CZ | free of charge |
| Incoming payment from another bank | free of charge |
The entries are charged on the last business day of a calendar month.
2.3.2 Outgoing payments
| Transaction | in CZK or equivalent |
|---|---|
| Outgoing payment made via electronic banking or generated by system* | |
| entry within Volksbank CZ (including entries in a standing order and accepted direct debit) | free of charge |
| one-off entry outside Volksbank CZ | 5,- |
| entry outside Volksbank CZ (including entries in a standing order, SIPO payments and accepted direct debit) | 6,– |
| Outgoing payment made via Phone banking | |
| entry within Volksbank CZ/oustside Volksbank CZ | 10,– |
| Outgoing payment submitted on paper payment order | |
| entry on standard and non-standard paper payment order within Volksbank CZ | free of charge |
| entry on standard paper payment order outside Volksbank CZ | 50,– |
| entry on non-standard paper payment order outside Volksbank CZ | 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.
2.3.3 Standing orders
| Transaction | in CZK or equivalent |
|---|---|
| Standing order, SIPO, permitted direct debit - in paper form | |
| estabilishing | free of charge |
| change/cancellation | 50,– |
| Standing order - domestic, SIPO, permitted direct debit - electronically/Phone banking | |
| establishing/change/cancelling | free of charge |
2.3.4 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 Volksbank CZ 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)/via Infoterminal | 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.
2.4 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.
2.4.1 Incoming payments
| Transaction | in CZK or equivalent |
|---|---|
| Incoming payment of BEN/SHA type (Volksbank CZ 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 of OUR type and incoming payment within Volksbank | free of charge |
| Volksbank payment* | free of charge |
* 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)Incoming and outgoing payment in CZK to/from Volksbank Slovensko (Slovakia)
2.4.2 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 Volksbank CZ 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,– |
* 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);
2.4.3 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 | 1000,- |
| Surcharge for urgent (priority) payment | 750,– |
| Confirmation of payment execution (SWIFT message) when presenting the payment order | 200,– |
| Confirmation of payment execution (SWIFT message) Confirmation of payment execution (Swift message) at the Client’s request after presenting the payment orde | 300,- |
| 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,– |
| Surcharge for elimination of an electronic payment order due to insufficient funds | 100,- |
| Account statement – SWIFT (monthly) | 500,- |
| Crediting a returned payment due to incorrect instructions by the Client | 300,– |
| Surcharge for NON-STP payment*** | 300,–/150,– |
| Surcharge for paper payment order (including transfer within Volksbank CZ) | 300,– |
| Standing orders | |
| Standing order (establishing/change/cancelling) | 200,- |
* 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.
*** Surcharge of CZK 300,- : 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.
2.5 Charge tariffs
Actively not offered from 8.8.2011
| Transaction | in CZK or equivalent |
|---|---|
| Establishment/change/cancellation of a tariff | free of charge |
2.5.1 MEDIUM tariff
Actively not offered from 8.8.2011
| 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:
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3 cash withdrawals from Volksbank CZ or CSOB ATMs
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3 ordinary domestic transactions made via direct banking
2.5.2 PREMIUM tariff
Actively not offered from 8.8.2011
| 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:
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2 cash withdrawals from Volksbank CZ or CSOB ATMs
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10 ordinary domestic transactions made via direct banking
2.5.3 EXTRA tariff
Actively not offered from 8.8.2011
| 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:
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6 cash withdrawals from Volksbank CZ or CSOB ATMs
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14 ordinary domestic transactions made via direct banking
Citizens
3.Direct banking
Print the entire chapter Print current view Back to index3.1 Electronic banking
3.1.1 Internet banking
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage * | 47,– |
| Cancelling the service | free of charge |
| One-off charge for activation of safety token | 250,– |
| One-off charge for handing over the Security envelopes | free of charge |
| One-off charge for activation | free of charge |
| Renewal of security data | 150,– |
| New token release by reason of expiration | free of charge |
| New token release by reason of loss or alienation | 450,– |
The fees include administration of any selected number of accounts for one client (legal entity) held with Volksbank CZ, a.s.
* The fee is charged from the month after the contract has became effective.
3.1.2 SMS/email messages
| Transaction | in CZK or equivalent |
|---|---|
| Sending an SMS informing of the regular balance | free of charge |
| Sending an SMS informing of the login into internet banking | 2,50 |
| Sending an SMS informing of the change of balance | 2,50 |
| Sending an SMS informing of the unauthorized overdraft | 2,50 |
| Sending an SMS informing of the incoming transaction | 2,50 |
| Sending an SMS informing of the outgoing transaction | 2,50 |
| Transaction | in CZK or equivalent |
|---|---|
| Sending an e-mail informing of the regular balance | free of charge |
| Sending an e-mail informing of the login into internet banking | free of charge |
| Sending an e-mail informing of the change of balance | free of charge |
| Sending an e-mail informing of the unauthorized overdraft | free of charge |
| Sending an e-mail informing of the incoming transaction | free of charge |
| Sending an e-mail informing of the outgoing transaction | free of charge |
3.2 Phone banking
3.2.1 Phone banking
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage * | 49,– |
| Cancelling the service | free of charge |
| Renewal of security data | 150,– |
* The fee is charged from the month after the contract has became effective.
Citizens
4.Payment cards
Print the entire chapter Print current view Back to index4.1 Debit cards
4.1.1 Debit card maintenance (monthly fee)
| Transaction | in CZK or equivalent |
|---|---|
| Personal debit cards* | |
| Maestro | 19,– |
| MasterCard Standard | 41,– |
| MasterCard Gold | 350,– |
| VISA Electron | 19,– |
| VISA Classic | 41,– |
| VISA Gold | 350,– |
| Surcharge for HolidayCard regime** | 1,– |
* The fee is booked on the last working day of a calendar month.
** HolidayCard regime can be arranged from 1 July 2010 regarding the new VISA Electron personal payment cards issued. The fee is booked on the last working day of a calendar month.
4.1.2 Debit card transactions
| Transaction | in CZK or equivalent |
|---|---|
| ATM cash withdrawal with Maestro / MasterCard/ VISA card | |
| Volksbank ATM in the Czech Republic | 4,– |
| CSOB ATM in the Czech Republic | 8,– |
| other bank or other company ATM in the Czech Republic | 35,– |
| ATM abroad | 75,- + 0,5% of the amount |
| ATM abroad by Holiday card (personal) | 29,– |
| Cash Advance | |
| Czech Republic | 1 % min. 50,– |
| abroad | 180,– + 1 % |
| Noncash settlement for goods and services | free of charge |
4.1.3 Others
| Transaction | in CZK or equivalent |
|---|---|
| Card issue | free of charge |
| Forgotten PIN – mailing | 200,– |
| Limit change at the clienťs request | 100,– |
| Release of substitute cash abroad | 3.000,– |
| Issue of a substitute card abroad | 4.000,– |
4.2 Credit cards
4.2.1 Credit card maintenance (monthly fee)
| Transaction | in CZK or equivalent |
|---|---|
| VISA Classic* | 19,– (1st year free of charge) |
* The fee is booked on the last working day of a calendar month.
4.2.2 Credit card transactions
| Transaction | in CZK or equivalent |
|---|---|
| ATM cash withdrawal | |
| Volksbank ATM in the Czech Republic | 0,25% of the amount, min 15,- |
| CSOB ATM in the Czech Republic | 0,50 % of the amount, min 30,- |
| other bank or other company ATM in the Czech Republic | 1,50 % of the amount, min 90,- |
| ATM abroad | 1,75 % of the amount, min 120,- |
| Cash Advance | |
| Czech Republic | 1,75 % of the amount, min 120,- |
| abroad | 1,75 % of hte amount, min 120,- |
| Noncash settlement for goods and services | free of charge |
4.2.3 Credit card account
| Transaction | in CZK or equivalent |
|---|---|
| Opening of a credit card account | free of charge |
| Maintenance of a credit card account (monthly) | 25,– |
| Sending a credit card account statement (monthly) | free of charge |
| Sending a copy of the credit card account statement | 40,– |
4.2.4 Others
| Transaction | in CZK or equivalent |
|---|---|
| Issue of a credit card | free of charge |
| Uncollected credit card | 199,– |
| Forgotten PIN – mailing | 200,– |
| Release of substitute cash abroad | 3.000,– |
| Issue of a substitute card abroad | 4.000,– |
| Limit change at the clienťs request | 100,– |
| Fee for each direct debit if the minimal repayment has not been paid | 50,– |
| Amendment to the contractual conditions, failure to observe the contractual conditions | min. 100,– |
4.2.5 Failure-to-pay fees
| Transaction | in CZK or equivalent |
|---|---|
| First reminder | 100,– |
| Second and each following reminder | 200,– |
| Withdrawal from the contract by reason of failure to pay the loan | 500,– |
| Sanction interest | 26 % p.a. |
4.3 Insurance to payment cards
Validity of insurance is fixed to validity of a card (transfer is not possible). Insurance Premium and Super actively not offered from 31.10.2011
| Transaction | in CZK or equivalent |
|---|---|
| Insurance for travelling abroad (yearly fee) | |
| Standard | 300,– |
| Standard Family | 900,– |
| Exclusive | 1200,– |
| Exclusive Family | 2280,– |
| Gold* | 1800,– |
| Gold Family | 3000,– |
| Insurance for card loss / theft (yearly fee) ** | |
| Basic | 180,– |
| Classic | 480,– |
| Super | 840,– |
| Premium | 1080,– |
| Extra | 1440,– |
| D.A.S. legal protection insurance for drivers of motor vehicles (yearly fee)*** | 300,– |
The fee is booked on the last day of a calendar month in which a client applied for the payment card insurance.
* Insurance is automatically included with MasterCard Gold and VISA Gold payment cards – included in card price.
** Insurance cannot be arranged with Maestro card.
*** Insurance is automatically included with Gold payment cards.
4.4 Diners Club payment cards
Fees for Diners Club payment cards follow current price list of Diners Club Czech s.r.o. company, available at our branches.
Citizens
5.Loans
Print the entire chapter Print current view Back to index- Overdraft loans
- Consumer loans
- Mortgage loans
- Fees for failure and non-fulfilment of contractual conditions
5.1 Overdraft loans
| Transaction | in CZK or equivalent |
|---|---|
| Maintenance of an account with an overdraft loan (monthly) | 50,- |
| Maintenance of an account with an overdraft loan (monthly)* | 12,– |
| Change in the amount of an overdraft loan | free of charge |
* applies to bank overdrafts arranged from 8.8.2011, in case the concept of domestic bank for overdraft loans contracted from March 2011.
5.2 Consumer loans
| Transaction | in CZK or equivalent |
|---|---|
| Loan processing | 1% of the credit amount, min 500,- |
| Maintenance of a loan account (monthly) | 50,– |
| Loan account statement – mailing | free of charge |
| Change of conditions at the client’s request * | min. 500,– |
| Prematural payment of Consumer loan, with maturity over 1 year ** | 1 % from the prematural amount |
| Prematural payment of Consumer loan, with maturity under 1 year*** | 0,5 % from the prematural amount |
| Premature repayment of "Zelený úvěr" (up to amount of state subsidy within Zelená úsporám) **** | free of charge |
* The fee also applies to extraordinary loan repayment (in full or in part). Fee applies to the contracts signed before or on 31.12.2010.
** Fee applies to the contracts signed from 1.1.2011
*** Fee applies to the contracts signed from 1.1.2011
**** One premature repayment, valid for loan concluded from 5. 10. 2009.
5.3 Mortgage loans
5.3.1 Mortgage loans and American mortgages
Mortgage loans and American mortgages, Mortgage loan and American mortgages without proof of income, Unresident mortgage loan
| Transaction | in CZK or equivalent |
|---|---|
| Loan processing (the fee is payable on the date of signing the contract, applies even if the provided amount is not drawn in full) | |
| up to 7 million CZK | 0,8 % of the loan amount, min 8.000.- max 30.000,– |
| exceeding 7 million CZK | individually |
| Consultancy | free of charge |
| Loan account maintenance (monthly) | 150,– |
| Loan account statement – mailing | free of charge |
| Fee for drawing a loan amount lower than 50.000 CZK | 500, – for individual drawing |
| Fee for the forth and each following drawing | 450,– |
| Premature repayment of Mortgage loan | 0,25 % of prematurely repaid amount for each commenced month remaining to the end of the fixed rate period |
| Premature repayment of the American mortgage* | 0,25 % of prematurely repaid amount for each commenced month remaining to the end of the fixed rate period |
| Prematural payment of American mortgage, with maturity over 1 year** | 1 % from the prematural amount |
| Prematural payment of American mortgage, with maturity under 1 year*** | 0,5 % from the prematural amount |
| Premature repayment of "Zelený úvěr" (up to amount of state subsidy within Zelená úsporám)**** | free of charge |
| Partial drawing of the loan | 5 % of the undrawn amount |
| Assumption of debt (mortgage loan including real estate) out of fixed rate period | 50% of the calculated the „Premature repayment“ |
| Sanction for unused agreed mortgage from Volksbank CZ, a.s. for the repayment of the pre-matural mortgage | 10 % of the Pre-mortgage loan amount |
| Change of conditions at the client’s request | 0,25% of the loan amount, min. 2.000,– max. 10,000,– |
| Confirmation of the amount of paid interest | free of charge |
| Fee for provision of Land register abstract | 200 CZK+20 % VAT |
* Fee applies to the contracts signed before or on 31.12.2010
** Fee applies to the contracts signed from 1.1.2011
*** Fee applies to the contracts signed from 1.1.2011
**** One premature repayment, valid for mortgage loan concluded from 5. 10. 2009.
5.3.2 Pre-mortgage loan
| Transaction | in CZK or equivalent |
|---|---|
| Loan processing (the fee is payable on the date of signing the contract, applies even if the provided amount is not drawn in full)* | 2.000,– |
* The client simultaneously pays a fee for processing a mortgage loan application. Other fees correspond with the fees for mortgage loans pursuant to chapter 5.3.1.
5.3.3 Refinancing of mortgage loans
Refinancing of mortgage loans, refinancing of mortgage loans without proof of income
| Transaction | in CZK or equivalent |
|---|---|
| Loan processing (the fee is payable on the date of signing the contract, applies even if the provided amount is not drawn in full)* | |
| Refinancing up to CZK 7 million | 999,- |
| Over CZK 7 million | individually |
* Other fees correspond with fees for mortgage loans pursuant to chapter 5.3.1.
5.4 Fees for failure and non-fulfilment of contractual conditions
| Transaction | in CZK or equivalent |
|---|---|
| Fee for sending a reminder (warning) | |
| first reminder (warning) | 100,– |
| second and each following reminder (warning) - overdraft loan | 200,– |
| second and each following reminder (warning) - other type of loan | 500,– |
| Withdrawal from the contract by reason of failure to pay the loan | |
| overdraft loan | 500,– |
| other type of loan | 1.000,– |
Citizens
6.Investments
Print the entire chapter Print current view Back to index6.1 Certificates
6.1.1 Investment certificates with fixed maturity date (guaranteed, airbag/bonus and other non-leverage certificates)
| Transaction | in CZK or equivalent |
|---|---|
| Emissions of Volksbank AG (OTC) | |
| purchase | according to the conditions determined for an individual emission |
| sale | free of charge |
| maturity (for maturity certificates) | free of charge |
| coupon payment | free of charge |
| Emissions traded on public markets | |
| purchase or sale | 1,25 % |
| maturity | 0,5% of the transaction volume, min. EUR 1,50, max. EUR 50,- |
| coupon payment | 0,5 % of the coupon payment, 2.000,– + fees of foreign administrators (custodian) min. 50,– |
6.1.2 Investment certificates without maturity date (index certificates and other non-leverage certificates)
| Transaction | in CZK or equivalent |
|---|---|
| Purchase or sale | 1,25 %, min. EUR 38,– |
6.2 Bonds
| Transaction | in CZK or equivalent |
|---|---|
| Purchase or sale | 0,60% + costs of third parties |
| Bonds maturity | |
| domestic | free of charge |
| foreign | fees of foreign administrators (custodian) |
| Coupon payments | |
| bonds or mortgage bonds issued by Volksbank CZ | free of charge |
| domestic | 0,5 % of the transaction volume, max. 2.000,-; min. 50,- |
| foreign | 0,5% of the transaction volume, max. CZK 2000 + foreingn administrators fee (custodian); min. 50,- |
6.3 Funds
6.3.1 Mutual Funds of Volksbank Invest, ING Investment Management, HSBC
| Transaction | in CZK or equivalent |
|---|---|
| Purchase of share certificates | |
| Money Funds | |
| 30 000 up to 299 000 CZK | 0,75 % |
| 300 000 up to 999 999 CZK | 0,50 % |
| 1 000 000 CZK and more | 0,35 % |
| Bond Funds* | |
| 30 000 up to 299 000 CZK | 2,00 % |
| 300 000 up to 999 999 CZK | 1,75 % |
| 1 000 000 CZK and more | 1,50 % |
| Shares Funds* | |
| 30 000 up to 299 000 CZK** | 3,75 % |
| 300 000 up to 999 999 CZK | 3,00 % |
| 1 000 000 CZK and more | 2,75 % |
| Mixed, Guaranteed, Index, “Click” Funds | |
| 30 000 up to 299 999 CZK | 2,75 % |
| 300 000 up to 999 999 CZK | 2,50 % |
| 1 000 000 CZK and more | 2,25 % |
| Sale of share certificates | free of charge |
| Transfer of share certificates within the framework of one of the above mentioned investment companies ( fund change) | |
| change into a fund with higher sale fee | difference between higher and lower fee for purchase in given volume range (according to the amount of invested assets) |
| change into a fund with lower sale fee | free of charge |
| Dividend payment from mutual funds | free of charge |
* Minimal fee for purchase of Volksbank Invest Mutual Funds is EUR 15,-.
** Maximal fee for purchase of ING Investment Shares Funds denominated in EUR, USD and JPY is 3%.
6.3.2 Guaranteed Growth Funds of HSBC
| Transaction | in CZK or equivalent |
|---|---|
| Purchase of share certificates | free of charge |
| Sale of share certificates before maturity | 1,50 % |
| Transfer between guaranteed growth funds of HSBC | free of charge |
| Maturity of share certificates | free of charge |
6.3.3 ETF (Exchange Traded Funds)
| Transaction | in CZK or equivalent |
|---|---|
| Emissions traded on public markets | |
| purchase or sale | 1,25 %, min. EUR 50,– |
6.3.4 Other Mutual Funds
| Transaction | in CZK or equivalent |
|---|---|
| Purchase of share certificates | information on request according to a concrete requirement |
| Sale of share certificates | EUR 16,– |
6.4 Shares
| Transaction | in CZK or equivalent |
|---|---|
| Purchase or sale | |
| Czech Republic | 1,25 %, min. CZK 100,– |
| EU EMU (European Monetary Union) | |
| Finland, France, Netherlands, Italy, Luxembourg, Germany, Portugal, Austria, Slovenia, Spain | 1,25 %, min. EUR 38,– |
| Europe – other countries | |
| Denmark | 1,25 %, min. DKK 300,– |
| Hungary | 1,25 %, min. HUF 20.000,– |
| Norway | 1,25 %, min. NOK 300,– |
| Poland | 1,25 %, min. PLN 330,– |
| Russia | 1,25 %, min. EUR 350,– |
| Greece | 1,25 %, min. EUR 150,– |
| Sweden | 1,25 %, min. SEK 350,– |
| Switzerland | 1,25 %, min. CHF 60,– |
| Bulgaria, Croatia, Romania, Estonia, Lithuania, Latvia, Ukraine | 1,50 %, min. EUR 100,– |
| Great Britain | 1,25 %, min. GBP 50,– + 0,50 % Stamp duty at purchase |
| Other countries | |
| Australia | 1,25 %, min. AUD 200,– |
| Hong-Kong | 1,25 %, min. HKD 1.000,– |
| Canada | 1,25 %, min. CAD 100,– |
| USA | 1,25 %, min. USD 50,– |
| other countries | provided on request |
| Dividend payment | |
| domestic | 0,5% of dividend volume, max. 2.000,-; min. 50,- |
| foreign | 0,5% of dividend volume, max. 2.000,- + fees of foreign administrators (custodian); min. 50,– |
| Shares split, reverse split, change of nominal value, decrease of basic capital | free of charge |
6.5 Other
6.5.1 Securities Trading
| Transaction | in CZK or equivalent |
|---|---|
| Submission of an order | free of charge |
| Change of order parameters | free of charge |
| Cancellation of an order | free of charge |
6.5.2 Aministration of Securities
| Transaction | in CZK or equivalent |
|---|---|
| Keeping depot securities - report annually depot | free of charge |
| Annual depot statement, extraordinary depot statement | free of charge |
| Custody transfers | |
| domestic | |
| transfer to the depot | free of charge |
| transfer from the depot | CZK 1.000,–/ transactions + costs of third parties (information is available upon the request, according to the particular requirement) |
| foreign | |
| transfer to depot | free of charge |
| transfer from depot | EUR 40,–/ transaction + costs of third parties (information on request according to a concrete requirement) |
| Subscription for newly issued shares | according to a fee on the market, on which the subscribed title is traded |
| Purchase/sale of rights (option of current shareholders at increase of basic capital) | according to the market, on which the rights are traded |
| Foreign exchange conversions connected with purchase/sale of securities | exchange rate of foreign currency purchase/sale according to the current exchange rate list of Volksbank CZ valid on the date of realization of trade |
Citizens
7.Other banking services
Print the entire chapter Print current view Back to index7.1 Cheques
| Transaction | in CZK or equivalent |
|---|---|
| Traveler's cheques | |
| Purchase and sale of traveller’ s cheques | 2 % min. 300,– |
| Surcharge for each cheque | 10,– |
| Cashing a cheque issued by another bank (only for clients of Volksbank CZ) | |
| Crediting an account with the cheque | 1 % min 500,- max. 2.000,- + other bank charges |
| Return of unpaid cheque | 500,– + fee of other bank |
| Cashing a pension sent repeatedly by cheque | 150,– |
| Client cheques of Volksbank CZ | |
| Issue of a Volksbank CZ, a.s. Client cheque | 3,– |
| Cashing a Client cheque of Volksbank CZ, a.s. – on account | |
| drawn in CZK (with transfer to an account held with another bank) | 1 % min. 100,– max. 1.700,– |
| drawn in foreign currency (with transfer to an account held with another bank) | 0,5 % min. 50,– max. 300,– |
| Cashing a cheque in CZK | |
| Via transfer to an account at another bank in the Czech Republic | 1 % min. 100,– max. 1.000,– |
| Via transfer to a client’s account at Volksbank CZ | 50,– |
| Cashing a cheque in cash | |
| up to CZK 250.000 | 45,– |
| exceeding CZK 250.000 | 0,1 % z částky, max. 2.000,– |
| Dishonour of Client cheque for the reason of insufficient cover | 2.000,– |
| upon its submission at Volksbank CZ, cash desk | free of charge |
| Banker´s cheques | |
| Issue of Bank cheque drawn by Österreichische Volksbanken AG | 0,5 % min. 500,– max. 5.000,– |
| surcharge for a cheque issued in USD | 300,– |
| surcharge for a cheque issued urgently | 500,– |
| Cashing a bank cheque of correspondent banks payable with Volksbank | 1 % min. 100,- max. 1.000,- |
| Others | |
| Recall of a cheque | 300,– |
| Stop payment | 300 + telecommunication costs |
| Return of not used cheque (crediting an account with the amount) | 300,- + fees of the correnspond. Bank |
7.2 Banking Information
| Transactions | in CZK or equivalent |
|---|---|
| Provision of banking information about Volksbank CZ, a.s. client | |
| at their own request | 1.000,– (+ 20 % VAT) |
| at their own request for the purposes of audit | 2.000,– (+ 20 % VAT) |
| Provision of banking information about a client of another bank – to client of Volksbank CZ. a.s. | compensation of real costs + 1.000,- (+ 20% VAT) per one query |
7.3 Safe deposit boxes
| Transaction | in CZK or equivalent |
|---|---|
| They are installed only in selected branches. Fees for renting safe deposit boxes (including 20% VAT) are available at respective branches | |
| Deposit for release of two keys | 2.000,– |
| Sending a reminder to pay the rent | 100,- (+ 20% VAT) |
| Deposit of not collected content of the safe deposit box | 5000,- yearly + VAT |
| Fee for not vacating the safe box after termination of the contractual relationship | according to real costs in connection with the vacation of the safe deposit box |
7.4 Day and night depositories
| Transaction | in CZK or equivalent |
|---|---|
| Deposit for release of depository case and keys. | 3.000,– |
7.5 Other
7.5.1 Fees for services not mentioned in the List of fees
| Transaction | in CZK or equivalent |
|---|---|
| For services not mentioned in the List of fees* | 200,- for each commenced 15 minute period of work |
| Crediting interests, transfer of deduction tax, booking prices for services | free of charge |
| Fee for execution | 150,- |
* In case that the services are not part of financial activities pursuant to Act no. 235ˇ2004 Coll., on Value Added Tax, the Bank shall book 20 % VAT.
7.5.2 Joint provisions
Other fees not mentioned in this List of fees shall be communicated to You at branches of Volksbank CZ, a.s., upon Your request. Should you have any questions, please contact Your Consultant at Your branch.
Apart from this fees mentioned in this List of fees, Volksbank CZ, a.s. shall book to the debit of a Client possible costs charged by foreign and domestic banks or other organizations that have arisen in connection with operations carried out at the Client request, unless agreed in specific cases otherwise.
Gipsies
1.Current accounts and deposits
Print the entire chapter Print current view Back to index1.1 Current accounts
1.1.1 Current account
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 150,– |
| Account statement (per statement)** | |
| electronic account statement(e-statement)/collection at Infoterminal | free of charge |
| by post upon turnover / weekly / monthly / quarterly*** / yearly*** | 35,– |
| Copy of an account statement, copy of Debit/Credit Advice | |
| statement for last 12 months/older than 12 months | 50,– |
| Infoterminal - fee for issuing the Infocard | free of charge |
| Issuing Confirmation of the balance on the account | 1.000,– |
| Fee for dispatch key (yearly) | 400,– |
| Blocking an account at the Client request | 200,– |
| Blockage of payment of deposit products | 500,- |
* The fee is booked on the last day of a calendar month.
** The standard method of statement hand out is electronic account statement (e-statement) or via Infoterminal. In case of accounts established before 31.10.2009, the method of statement hand out is agreed in the account contract and the statement is provided for free (except term deposits). Fee is charged for each copy.
*** Term accounts only
1.1.2 Escrow account
| Transaction | in CZK or equivalent |
|---|---|
| Fee for an escrow account | 0, 5 % of the escrow account amount, min 3.000,- |
1.1.3 PROFIT Account
Valid form 1.10.2011
| Transaction | in CZK or equivalent |
|---|---|
| Opening / change / cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 169,– |
* The fee replaces fees for maintenance of individual products which are included in an account.
PROFIT Account includes these products and services:
maintenance of a business current account in CZK with advantageous balance interest
maintenance of a overdraft loan to one current account (overdraft loan is provided based on a client’s financial standing evaluated by the Bank)
maintenance of a payment card including Standard travel insurance (international debit business card VISA Classic or Master Card Standard)
maintenance of a direct banking service (Internet banking or Phone Banking)
current account monthly statement creation
1.1.4 EXPERT Account
Valid from 1.10.2011
| Transaction | in CZK or equivalent |
|---|---|
| Opening / change / cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 269,– |
* The fee replaces fees for maintenance of individual products which are included in an account.
EXPERT Account includes these products and services:
maintenance of a business current account in CZK with advantageous balance interest
maintenance of a business current account denominated in foreign currency
maintenance of a overdraft loan to one current account (overdraft loan is provided based on a client’s financial standing evaluated by the Bank)
maintenance of a payment card including Exclusive travel insurance and D.A.S. legal protection (international debit business card VISA Business or MasterCard Business)
maintenance of a direct banking service /Internet banking or Phone banking)
current account monthly statement creation
1.1.5 EXPERT account PRESTIGE
Valid from 1.10.2011
| Transaction | in CZK or equivalent |
|---|---|
| Opening / change / cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 149,- |
* The fee replaces fees for maintenance of individual products which are included in an account.
EXPERT account PRESTIGE includes these products and services:
maintenance of a business current account in CZK with advantageous balance interest
maintenance of a business current account denominated in foreign currency
maintenance of a overdraft loan to one current account (overdraft loan is provided based on a client’s financial standing evaluated by the Bank)
maintenance of a payment card including Exclusive travel insurance and D.A.S. legal protection (international debit business card VISA Business or MasterCard Business)
maintenance of a direct banking service /Internet banking or Phone banking)
current account monthly statement creation every current account
1.1.6 EXPERT account MEDI
Valid from 1.10.2011
| Transaction | in CZK or equivalent |
|---|---|
| Opening / change / cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 199,– |
* The fee replaces fees for maintenance of individual products which are included in an account.
EXXPERT account MEDI includes these products and services:
maintenance of a business current account in CZK with advantageous balance interest
maintenance of a business current account denominated in foreign currency
maintenance of a overdraft loan to one current account (overdraft loan is provided based on a client’s financial standing evaluated by the Bank)
maintenance of a payment card including Exclusive travel insurance and D.A.S. legal protection (international debit business card VISA Business or MasterCard Business)
maintenance of a direct banking service /Internet banking or Phone banking)
current account monthly statement creation
EXTRA tariff charge
1.1.7 Accounts for insurance consultants
| Transaction | in CZK or equivalent |
|---|---|
| Account maintenace for insurance consultants (monthly) | 45,– |
| Program for insurance consultants (monthly)* | 169,– |
| Change of the Program structure at the clienťs request | free of charge |
| Cancelling of an account / Program | free of charge |
* The fee replaces fees for maintenance of individual products which are included in an account.
Program for insurance consultants includes these products and services:
-
maintenance of a current account in CZK including an overdraft loan (overdraft loan is provided based on evaluation of client financial standing performed by the Bank)
-
maintenance of the current account in CZK for insurance consultants with advantageous interest rate (for insurance and idemnity transfers)
-
maintenance of a payment card (international debit business card VISA Electron or VISA Classic nebo Maestro or MasterCard Standard)
-
maintenance of a direct banking service (Internet banking or Phone Banking)
-
creating and sending the account statements from all current accounts by post (monthly)
1.1.8 Profession accounts
| Transaction | in CZK or equivalent |
|---|---|
| One-off charge for notary custody | 300,– |
| One-off charge for lawyer custody | 300,– |
| One-off charge for execution | 300,– |
| One-off charge for bankruptcy proceedings | 300,– |
1.1.9 Other accounts
1.1.9.1 PROFIT Account
Valid to 30.9.2011
| Transaction | in CZK or equivalent |
|---|---|
| Opening / change / cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 169,– |
* The fee replaces fees for maintenance of individual products which are included in an account.
PROFIT Account includes these products and services:
maintenance of a business current account in CZK with advantageous balance interest including an overdraft loan (overdraft loan is provided based on financial standing of a Client evaluated by the Bank)
maintenance of a deposit product (term deposit or deposit bill of exchange)
maintenance of a payment card including Standard travel insurance (international debit business card VISA Classic or Master Card Standard)
maintenance of a direct banking service (Internet banking or Phone Banking)
current account monthly statement creation
1.1.9.2 EXPERT Account
Valid to 30.9.2011
| Transaction | in CZK or equivalent |
|---|---|
| Opening / change / cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 269,– |
* The fee replaces fees for maintenance of individual products which are included in an account.
EXPERT Account includes these products and services:
maintenance of a business current account in CZK with advantageous balance interest
maintenance of a business current account denominated in foreign currency
maintenance of a overdraft loan to one current account (overdraft loan is provided based on a client’s financial standing evaluated by the Bank)
maintenance of a deposit product (term deposit or deposit bill of exchange)
maintenance of a payment card including Exclusive travel insurance and D.A.S. legal protection (international debit business card VISA Business or MasterCard Business)
maintenance of the second payment card for the 50 % of the yearly fee (international debit business card VISA Classic or MasterCard Standard)
current account monthly statement creation every current account
maintenance of a direct banking service /internet banking or Homebanking – including installation or Phone banking)
1.1.9.3 Volksbank PRESTIGE account
Valid to 30.9.2011
| Transaction | in CZK or equivalent |
|---|---|
| Opening / change / cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 149,– |
* The fee replaces fees for maintenance of individual products which are included in an account.
Volksbank PRESTIGE account includes these products and services:
maintenance of a current account in CZK with advantageous balance interest including an overdraft loan (overdraft loan is provided based on financial standing of a Client evaluated by the Bank)
maintenance of a payment card including Standard travel insurance (international debit business card VISA Classic or MasterCard Standard)
maintenance of the second payment card for the 50 % of the yearly fee (international debit business card VISA Electron or Maestro)
maintenance of direct banking service (Internet banking or Homebanking – including installation or Phone banking)
current account monthly statement creation
1.1.9.4 MEDI-account
Valid to 30.9.2011
| Transaction | in CZK or equivalent |
|---|---|
| Opening / change / cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 199,– |
* The fee replaces fees for maintenance of individual products which are included in an account.
MEDI-account includes these products and services:
maintenance of a current account in CZK with advantageous balance interest including an overdraft loan (overdraft loan is provided based on financial standing of a Client evaluated by the Bank)
maintenance of a deposit product (term deposit or deposit bill of exchange)
maintenance of a payment card including Exclusive travel insurance and D.A.S. legal protection (international debit business card VISA Classic or VISA Business or MasterCard Business)
maintenance of the second business card for 50 % of the yearly fee (international business card VISA Classic or MasterCard Standard)
maintenance of direct banking service (Internet banking or Homebanking – including installation or Phone banking)
current account monthly statement creation
EXTRA tariff charge
1.2 Savings accounts
1.2.1 Currrent savings account
applies also to Current investment account (account designed for saving) – active offer terminated
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly) | free of charge |
| Monthly fee for usage of Internet banking service* | free of charge |
| Outgoing payment** | |
| made via electronic banking | |
| entry outside the Volksbank CZ (including standing order entries, SIPO payments and accepted direct debit) | 18,– |
* The fee stated is being charged if the Internet banking service has been arranged to the Investment current account.
** The above mentioned fee amount applies for transactions carried out via Current savings account. Entries are booked on the last working day of a calendar month. Other fees not mentioned above follow relevant chapters of the List of Fees
1.3 Special accounts
1.3.1 Special current account for the purpose of paying up the company basic capital
| Transaction | in CZK or equivalent |
|---|---|
| Cash fee for opening an account | 500,– |
| Maintenance of an account (monthly) | see chapter 1.1.1 Current account |
| Issue of Confirmation of depositing funds into an account | free of charge |
1.3.2 Special account for EU / Grant schemas
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly) | |
| paying the interest from account credit balance - not arranged | free of charge |
| paying the interest from account credit balance - is arranged | 150,– |
1.3.3 Account REZERVA
Valid from 14 January 2011
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly) | free of charge |
| Incoming payment* | free of charge |
| Outgoing payment ** | |
| made via electronic banking | |
| entry outside Volksbank CZ (including entries on a standing order, SIPO and permitted direct debit) | 24,– |
* This applies to incoming payments within the Bank and incoming payments from another Bank.
** The above mentioned fee amount applies to transactions carried out via account Rezerva. Entries are charged on the last business day of a calendar month. Other fees not mentioned above follow relevant chapters of the List of Fees.
1.4 Term deposits
| Transactions | in CZK or equivalent |
|---|---|
| Establishment of a term deposit | free of charge |
| Maintenance of the term deposit | free of charge |
| Renewal of revolving term deposit | free of charge |
| Cancellation of a term deposit | free of charge |
| Premature withdrawal of founds from the term deposit / premature cancellation of the term deposit | individually |
1.5 Deposit bills
| Transaction | in CZK or equivalent |
|---|---|
| Drawing of a deposit bill of exchange | free of charge |
| Premature payment of a deposit bill of exchange | 1 % min. 1.000,– |
| Custody of deposit bill of exchange | free of charge |
1.6 Others
| Transaction | in CZK or equivalent |
|---|---|
| Interest rate for unauthorised overdrafts on current accounts | 25 % p.a. |
| Fee for reminder to settle debit balance on the account, Subsequent fine for not observing the contractual conditions | |
| first reminder | 100,- |
| second and each following reminder | 200,- |
| Subsequent fine for not observing the contractual conditions | 2.000,- |
| Infoterminal - loss of lent Infocard | 200,- |
Gipsies
2.Payments
Print the entire chapter Print current view Back to index- Cash payments
- Foreign exchange operations
- Domestic noncash payments
- Foreign noncash payments
- Charge tariffs
2.1 Cash payments
| Transaction | in CZK or equivalent |
|---|---|
| Cash deposit | free of charge |
| Unsorted banknotes - surcharge for cash deposit exceeding CZK 500 000 within one day | 0,1 % of the amount deposited, max 1.000,- |
| Surcharge for cash deposit in foreign currency (exceeding CZK 500,000 or equivalent) within one day | 0,1 % of the amount deposited, max 1.000,- |
| Deposit into account with Ceskomoravska stavebni sporitelna | 50,– |
| Deposit into account held with another financial institution | 2 % min. 1.000,– |
| Cash withdrawal* | 60,– |
| Surchage for cash withdrawal exceeding CZK 250.000 within one day | 0,2 % of the amount withdrawn |
| Unannounced withdrawal exceeding CZK 250.000 | 1.000,– |
| Failure to collect advised withdrawal above CZK 250.000 | 0,3 % min. 500,– |
| Fee for changing cash consisting of more than 100 notes or coins of the same nominal value, including recounting of coins | 1% min. 100,- CZK |
| Fee for changing cash consisting of more than 100 notes or coins of the same nominal value, including recounting of banknotes (only) | 0,1 % of the amount |
| Surcharge for cash withdrawal in foreign currency (except EUR,USD,GBP and CHF) | 0.5% of the withdrawn amount |
* Entries are booked on the last working day of a calendar month.
2.2 Foreign exchange operations
| Transaction | in CZK or equivalent |
|---|---|
| Purchase / sale of foreign currency in cash | free of charge |
| Purchase of damaged and preclusive foreign exchange | 8 % of the exchange rate „ foreign exchange purchase“ |
2.3 Domestic noncash payments
2.3.1 Incoming payments
| Transaction | in CZK or equivalent |
|---|---|
| Incoming payment within Volksbank CZ | free of charge |
| Incoming payment from another bank | 5,– |
The entries are charged on the last business day of a calendar month.
2.3.2 Outgoing payments
| Transaction | in CZK or equivalent |
|---|---|
| Outgoing payment made via electronic banking or generated by system* | |
| entry within Volksbank CZ (including entries in a standing order and accepted direct debit) | free of charge |
| one-off entry outside Volksbank CZ | 5,- |
| entry outside Volksbank CZ (including entries in a standing order, SIPO payments and accepted direct debit) | 6,– |
| Outgoing payment made via Phone banking | |
| entry within Volksbank CZ/oustside Volksbank CZ | 10,– |
| Outgoing payment submitted on paper payment order | |
| entry on standard and non-standard paper payment order within Volksbank CZ | free of charge |
| entry on standard paper payment order outside Volksbank CZ | 50,– |
| entry on non-standard paper payment order outside Volksbank CZ | 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.
2.3.3 Standing orders
| Transaction | in CZK or equivalent |
|---|---|
| Standing order, SIPO, permitted direct debit - in paper form | |
| estabilishing | free of charge |
| change/cancellation | 50,– |
| Standing order - domestic, SIPO, permitted direct debit - electronically/Phone banking | |
| establishing/change/cancelling | free of charge |
2.3.4 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 Volksbank CZ 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)/via Infoterminal | 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.
2.4 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.
2.4.1 Incoming payments
| Transaction | in CZK or equivalent |
|---|---|
| Incoming payment of BEN/SHA type (Volksbank CZ 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 of OUR type and incoming payment within Volksbank | free of charge |
| Volksbank payment* | free of charge |
* 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)Incoming and outgoing payment in CZK to/from Volksbank Slovensko (Slovakia)
2.4.2 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 Volksbank CZ 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,– |
* 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);
2.4.3 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 | 1000,- |
| Surcharge for urgent (priority) payment | 750,– |
| Confirmation of payment execution (SWIFT message) when presenting the payment order | 200,– |
| Confirmation of payment execution (SWIFT message) Confirmation of payment execution (Swift message) at the Client’s request after presenting the payment orde | 300,- |
| 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 manual correction of incorect data or supplementing missing data in a payment order or amendment of data inserted in a wrog field | 150,- |
| Surcharge for executing a payment after cut-off time (upon previous agreement with the Bank)** | 500,– |
| Surcharge for elimination of an electronic payment order due to insufficient funds | 100,- |
| Account statement – SWIFT (monthly) | 500,- |
| Crediting a returned payment due to incorrect instructions by the Client | 300,– |
| Surcharge for NON-STP payment*** | 300,–/150,– |
| Surcharge for paper payment order (including transfer within Volksbank CZ) | 300,– |
| Standing orders | |
| Standing order (establishing/change/cancelling) | 200,- |
* 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.
*** Surcharge of CZK 300,- : 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.
2.5 Charge tariffs
| Transaction | in CZK or equivalent |
|---|---|
| Establishment/change/cancellation 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
Gipsies
3.Direct banking
Print the entire chapter Print current view Back to index3.1 Electronic banking
3.1.1 Internet banking
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage * | 47,- |
| Cancelling the service | free of charge |
| One-off charge for activation of safety token | 250,– |
| One-off charge for handing over the Security envelopes | free of charge |
| One-off charge for activation | free of charge |
| Renewal of security data | 150,– |
| New token release by reason of expiration | free of charge |
| New token release by reason of loss or alienation | 450,– |
The fees include administration of any selected number of accounts for one client (legal entity) held with Volksbank CZ, a.s.
* The fee is charged from the month after the contract has became effective.
3.1.2 Homebanking
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage* | 250,– |
| One-off charge for Gemini software (including installation and training)** | 3.000,– |
| additional user station | 1.500,– |
| One-off charge for activation of safety token | 250,- |
| One-off charge for issuance of safety envelopes | free of charge |
| Renewal of signature certificate / safety data | 150,– |
| Other services (repeated training for Gemini software / reinstallation at client's place upon their request) | 1.000.- per hour of work |
| Cancellation of the service | free of charge |
* The fee is payable from the month following the month when the contract has became effective.
** Valid only within the Czech Republic.
3.1.3 Multicash
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage* | 1.000,– |
| One-off charge for installation | 7.000,– |
| One-off charge for activation | 3.000,– |
| Other services (repeated training reg. software MultiCash/reinstallation at Client´s place based on his/her request) | 1.000.- per hour of work |
| Cancellation of the service | free of charge |
* The fee is payable from the month following the month when the contract has became effective.
3.1.4 SMS/email messages
| Transaction | in CZK or equivalent |
|---|---|
| Sending an SMS informing of the regular balance | free of charge |
| Sending an SMS informing of the login into internet banking | 2,50 |
| Sending an SMS informing of the change of balance | 2,50 |
| Sending an SMS informing of the unauthorized overdraft | 2,50 |
| Sending an SMS informing of the incoming transaction | 2,50 |
| Sending an SMS informing of the outgoing transaction | 2,50 |
| Transaction | in CZK or equivalent |
|---|---|
| Sending an e-mail informing of the regular balance | free of charge |
| Sending an e-mail informing of the login into internet banking | free of charge |
| Sending an e-mail informing of the change of balance | free of charge |
| Sending an e-mail informing of the unauthorized overdraft | free of charge |
| Sending an e-mail informing of the incoming transaction | free of charge |
| Sending an e-mail informing of the outgoing transaction | free of charge |
3.2 Phone banking
3.2.1 Phone banking
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage * | 49,– |
| Cancelling the service | free of charge |
| Renewal of security data | 150,– |
* The fee is charged from the month after the contract has became effective.
Gipsies
4.Payment cards
Print the entire chapter Print current view Back to index4.1 Debit cards
4.1.1 Debit card maintenance (monthly fee)
| Transaction | in CZK or equivalent |
|---|---|
| Business debit card* | |
| Maestro | 30,– |
| MasterCard Standard | 60,– |
| MasterCard Business | 200,– |
| MasterCard Gold | 400,– |
| VISA Electron | 30,– |
| VISA Classic | 60,– |
| VISA Business | 200,– |
| VISA Gold | 400,– |
* The fee is booked on the last working day of a calendar month.
4.1.2 Debit card transactions
| Transaction | in CZK or equivalent |
|---|---|
| ATM cash withdrawal with Maestro / MasterCard/ VISA card | |
| Volksbank ATM in the Czech Republic | 4,– |
| CSOB ATM in the Czech Republic | 8,– |
| other bank or other company ATM in the Czech Republic | 35,– |
| ATM abroad | 75,- + 0,5% of the amount |
| ATM abroad by Holiday card (business) | 75 + 0.5% of amount |
| Cash Advance | |
| Czech Republic | 1 % min. 50,– |
| abroad | 180,– + 1 % |
| Noncash settlement for goods and services | free of charge |
4.1.3 Others
| Transaction | in CZK or equivalent |
|---|---|
| Card issue | free of charge |
| Forgotten PIN – mailing | 200,– |
| Limit change at the clienťs request | 100,– |
| Release of substitute cash abroad | 3.000,– |
| Issue of a substitute card abroad | 4.000,– |
4.2 Insurance to payment cards
Validity of insurance is fixed to validity of a card (transfer is not possible). Insurance Premium and Super actively not offered from 31.10.2011
| Transaction | in CZK or equivalent |
|---|---|
| Insurance for travelling abroad (yearly fee) | |
| Standard | 300,– |
| Standard Family | 900,– |
| Exclusive* | 1200,– |
| Exclusive Family | 2280,– |
| Gold** | 1800,– |
| Gold Family | 3000,– |
| Insurance for card loss / theft (yearly fee) *** | |
| Basic | 180,– |
| Classic | 480,– |
| Super | 840,– |
| Premium | 1080,– |
| Extra | 1440,– |
| D.A.S. legal protection insurance for drivers of motor vehicles (yearly fee)**** | 300,– |
The fee is booked on the last day of a calendar month in which a client applied for the payment card insurance.
* Insurance is automatically included with MasterCard Busines and VISA Business payment cards – included in card price.
** Insurance is automatically included with MasterCard Gold and VISA Gold payment cards – included in card price.
*** Insurance cannot be arranged with Maestro card.
**** Insurance is automatically included with Gold payment cards.
4.3 Diners Club payment cards
Fees for Diners Club payment cards follow current price list of Diners Club Czech s.r.o. company, available at our branches.
Gipsies
5.Loans
Print the entire chapter Print current view Back to index- Mortgage loans
- Entrepreneur and Business loans
- VARIANT loan program (loan amount up to 1,2 mio. CZK, inclusive)
- VARIANT plus loan program (loan amount exceeding 1,2 mio. CZK)
- Guarantees
- Financing of operations – cession of claims
- Loan facility within the EU Program
- Mortgage loan
- Valuation of real estate carried out by the Bank in connection with Loan application (applies to Corporate Clients and Entrepreneuns)
- Fees for failure and non-fulfilment of contractual conditions
5.1 Mortgage loans
5.1.1 Mortgage loans and American mortgages
Mortgage loans and American mortgages, Mortgage loan and American mortgages without proof of income, Unresident mortgage loan
5.2 Entrepreneur and Business loans
| Transaction | in CZK or equivalent |
|---|---|
| Acceptance and evaluation of loan application | free of charge |
| Loan processing | 1,5% of the loan amount; min. 7.500,– |
| Administration of limits with a multi-purpose line (monthly) | 150,– |
| Loan administration (yearly) | |
| loans with maturity over 1 year up to 9 mil. CZK | 5.000,- |
| loan with maturity over 1 year exceeding 9 mil. CZK | 15.000,- |
| Fee for prolongation of an operating credit provided for a definite period of time | 1 % of the loan amount; min. 5.000,– |
| Fee from the undrawn overdraft credit limit | 0,9 % of the undrawn part of the loan |
| Amendment of contractual conditions at the clienťs request (for each amendment) | |
| amendment of loan amount | 1,5 % of the amendment amount, min. 5.000,– |
| other amendments | 0,25 % of the loan amount, min 2.000,- max 10.000,– |
| Fee for provision of Land register abstract | CZK 200,- + 20 % VAT (For Land registry abstracts in the extent from 1 to 3 pages; for each subsequent page (i.e. 4th and each subsequent), the fee booked is 70 CZK + 20 % VAT) |
5.3 VARIANT loan program (loan amount up to 1,2 mio. CZK, inclusive)
5.3.1 Investment loan
| Transaction | in CZK or equivalent |
|---|---|
| Processing of a loan | 0,75% of the loan amount, min. 3.000,– |
| Change of conditions at the clienťs request | 8.000,– |
| Maintenance of loan (monthly) | 250,– |
| Fee for having the funds ready | 0,90 % of the undrawn loan amount |
5.3.2 Overdraft loan
| Transaction | in CZK or equivalent |
|---|---|
| Loan processing | 0,50 % of the loan amount, min. 3.000,– |
| Loan administration (yearly) | 3.000,– |
| Change of conditions at the clienťs request | 8.000,– |
| Maintenace of a current account with an overdraft loan (monthly) | 250,– |
| Fee from the undrawn overdraft credit limit | 0.9% of the undrawn part of the loan |
5.3.3 Bank guarantee
| Transaction | in CZK or equivalent |
|---|---|
| Processing of Frame application | 0,50 % of the frame amount, min. 3.000,– |
| Administration of the frame (yearly) | 3.000,– |
| Change of conditions at the clienťs request | 8.000,– |
| Fee for issue of bank guarantee | 3.000,– |
| Guarantee commission | 3 % p.a. of the issued guarantee amount, min 1.500,- |
| Amendment in the guarantee at the clienťs request | 3.000,– |
5.4 VARIANT plus loan program (loan amount exceeding 1,2 mio. CZK)
5.4.1 Investment loan, Combined - mortgage loan
| Transaction | in CZK or equivalent |
|---|---|
| Loan processing | 0,75 % of the loan amount |
| Change of conditions at the clienťs request | 8.000,– |
| Maintenance of loan (monthly) | 300,– |
| Fee for having the funds ready | 0,90 % of the undrawn loan amount |
5.4.2 Overdraft loan
| Transaction | in CZK or equivalent |
|---|---|
| Loan processing | 0,50 % of the loan amount |
| Loan administration (yearly) | 5.000,– |
| Change of conditions at the clienťs request | 8.000,– |
| Maintenace of a current account with an overdraft loan (monthly) | 300,– |
| Fee from the undrawn overdraft credit limit | 0,90 % of the undrawn loan amount |
5.4.3 Bank guarantee
| Transaction | in CZK or equivalent |
|---|---|
| Processing of Frame application | 0,50 % of the frame amount |
| Administration of the frame (yearly) | 5.000,– |
| Change of conditions at the clienťs request | 8.000,– |
| Fee for issue of bank guarantee | 3.000,– |
| Guarantee provision | 3 % p.a. of the issued guarantee amount, min. 1.500, – |
| Amendment in the guarantee at the clienťs request | 3.000,– |
5.5 Guarantees
| Transaction | in CZK or equivalent |
|---|---|
| Fee for issue of a Bank guarantee | 5.000,– |
| Administration fee for the bank guarantees (yearly) | |
| up to 9 mil. CZK | 5.000,– |
| above 9 mil. CZK | 15.000,– |
| Proposal of non-standard wording of a guarantee | 2.000,– |
| Guarantee commission | individually (calculated as % p.a. from the amount of the issued guarantee), min. 1.500,– |
| Amendment to the guarantee at the clienťs request | 3.000,– |
| Advice provision | 0,2% of the guarantee amount. min 1.000,- max 25.000,- |
| Collection commission | 0,2% of the guarantee amount. min 1.000,- max 25.000,- |
| Fee for SWIFT message | 100,– |
| Fees of correspondent banks | paid in full by client |
5.6 Financing of operations – cession of claims
| Transaction | in CZK or equivalent |
|---|---|
| Administration of cession of claims (monthly) | |
| claims submitted electronically | 1.000,– |
| claims submitted in paper form | 3.000,– |
5.7 Loan facility within the EU Program
| Transaction | in CZK or equivalent |
|---|---|
| Issue of a credit facility | 5.000,– |
5.8 Mortgage loan
Only for legal entities founded under the Czech legal provisions, whose foundation purpose is to acquire a real estate for a foreign natural person - entrepreneur.
| Loan processing (the fee is payable on the date of signing the contract, applies even if the provided amount is not drawn in full) | |
| up to 5 million CZK | 0,8 % of the loan amount, min 8.000.- max 30.000,– |
| exceeding 5 million CZK | individually |
| Consultancy | free of charge |
| Loan account maintenance (monthly) | 150,– |
| Loan account statement – mailing | free of charge |
| Fee for drawing a loan amount lower than 50.000 CZK | 500, – for individual drawing |
| Fee for the forth and each following drawing | 450,– |
| Premature repayment | 0,25 % of prematurely repaid amount for each commenced month remaining to the end of the fixed rate period |
| Partial drawing of the loan | 5 % of the undrawn amount |
| Assumption of debt (mortgage loan including real estate) out of fixed rate period | 50% of the calculated the „Premature repayment“ |
| Cutting the fixed rate period | 0,9 % of the loan amount, min 8.000,- max. 30.000, – |
| Change of conditions at the client’s request | 0,25% of the loan amount, min. 2.000,– max. 10,000,– |
| Confirmation of the amount of paid interest | free of charge |
| Fee for provision of Land register abstract | 200 Kč+20 % VAT |
5.9 Valuation of real estate carried out by the Bank in connection with Loan application (applies to Corporate Clients and Entrepreneuns)
| Transaction | in CZK or equivalent |
|---|---|
| Fee for real estate valuation for loans up to CZK 30.000.000 | |
| up-date of a supervision | 8.000,– |
| Fee for real estate valuation for loans exceeding 30.000.000 | |
| valuation | 20.000,– |
| up-date of an valuation | 12.000,– |
5.10 Fees for failure and non-fulfilment of contractual conditions
| Transaction | in CZK or equivalent |
|---|---|
| Fee for sending a reminder (warning) | 1.000,– |
| Withdrawal from the contract by reason of failure to pay the loan | 1.000,– |
Gipsies
6.Documentary payments
Print the entire chapter Print current view Back to index- Buyer's Documentary Letter of Credit
- Supplier’s Documentary Letter of Credit
- Import Documentary Letter of Credit
- Export Documentary Letter of Credit
- Documentary Collections
- Other
6.1 Buyer's Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Issuance of pre-advice of L/C | 500,– |
| Opening of L/C | 0,1 % for each commenced month, min. 1.000,– |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents | 0,2 % min. 1 000,– |
| Deferred payment | 0,1 % for each 30 day period commenced, min. 1 000,– |
| Non-utilization of L/C | 500,– |
| Faults in documents on the account of a supplier | 1.000,– |
6.2 Supplier’s Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Pre-advice of L/C | 500,– |
| Advice of L/C | 0,2 % min. 1.000,– |
| Confirmation of L/C, increase and/or prolongation of a confirmed L/C | individually |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents/ payment of L/C | 0,2 % min. 1.000,– |
| Deferred payment – only at confirmed L/Cs | individually |
| Cancellation of L/C | 500,– |
| Transfer of L/C | 0,25 % min. 1.000,– |
| Transfer of L/C yield in favour of client‘s account at another bank | 500,– |
| Promise of assignment of L/C yield | 1.000,– |
6.3 Import Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Issuance of pre-advice of L/C | 500,– |
| Opening of L/C | 0,3 % min. 3 000,– for the 1st quarter; 0,1 % min. 1 000,– then for each month commenced |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents/ payment of L/C | 0,3 % min. 1.000,– |
| Deferred payment, acceptance of a bill | 0,15 % min. 1 000,– for each month commenced |
| Non-utilization of L/C | 1.000,– |
| Release of goods consigned to the bank | 1.000,– |
| Faults in documents on the account of a supplier | |
| in USD | USD 70,– |
| in EUR | EUR 50,– |
6.4 Export Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Pre-advice of L/C | 500,– |
| Advice of L/C | 0,2 % min. 1.000,– |
| Confirmation of L/C, increase and/or prolongation of a confirmed L/C | individually |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents/ payment of L/C | 0,3 % min. 1.000,– |
| Deferred payment, accepting bill of exchange - for confirmed L/Cs only | individually |
| Cancellation of L/C | 500,– |
| Transfer of L/C | 0,25 % min. 1.000,– |
| Transfer of L/C yield in favour of client‘s account with another bank | fees are stated in chapter 2.3 Noncash foreign payments |
| Promise of assignment of L/C yield | 1.000,– |
6.5 Documentary Collections
| Transaction | in CZK or equivalent |
|---|---|
| Collection processing | 0,2 % min. 1.000,– max. 20.000,– |
| Release of goods consigned to the bank | 1.000,– |
| Security of bill acceptance | 500,– |
| Amendment of collection instructions | 500,– |
| Security of bill protest | 1.000,- and actual notary fees |
6.6 Other
| Transaction | in CZK or equivalent |
|---|---|
| SWIFT message | 100,– |
| Fee for administration of the frame for letters of credit (annually) | |
| up to 9 mil. CZK | 5.000,– |
| over 9 mil. CZK | 15.000,– |
Gipsies
7.Investments
Print the entire chapter Print current view Back to index7.1 Certificates
7.1.1 Investment certificates with fixed maturity date (guaranteed, airbag/bonus and other non-leverage certificates)
| Transaction | in CZK or equivalent |
|---|---|
| Emissions of Volksbank AG (OTC) | |
| purchase | according to the conditions determined for an individual emission |
| sale | free of charge |
| maturity (for maturity certificates) | free of charge |
| coupon payment | free of charge |
| Emissions traded on public markets | |
| purchase or sale | 1,25 % |
| maturity | 0,3% of the transaction volume, min. EUR 1,50, max. EUR 50,- |
| coupon payment | fees of foreign administrators (custodian)= 0,30% of the transaction volume, min. EUR 1.50, max. EUR 50,– |
7.1.2 Investment certificates without maturity date (index certificates and other non-leverage certificates)
| Transaction | in CZK or equivalent |
|---|---|
| Purchase or sale | 1,25 %, min. EUR 38,– |
7.2 Bonds
| Transaction | in CZK or equivalent |
|---|---|
| Purchase or sale | 0,60% + costs of third parties |
| Bonds maturity | |
| domestic | free of charge |
| foreign | fees of foreign administrators (custodian)= 0,30% of the transaction volume, min. EUR 1.50, max. EUR 50,– |
| Coupon payments | |
| bonds or mortgage bonds issued by Volksbank CZ | free of charge |
| domestic | free of charge |
| foreign | fees of foreign administrators (custodian)= 0,30% of the transaction volume, min. EUR 1.50, max. EUR 50,– |
7.3 Funds
7.3.1 Mutual Funds of Volksbank Invest, ING Investment Management, HSBC
| Transaction | in CZK or equivalent |
|---|---|
| Purchase of share certificates | |
| Money Funds | |
| 30 000 up to 299 000 CZK | 0,75 % |
| 300 000 up to 999 999 CZK | 0,50 % |
| 1 000 000 CZK and more | 0,35 % |
| Bond Funds* | |
| 30 000 up to 299 000 CZK | 2,00 % |
| 300 000 up to 999 999 CZK | 1,75 % |
| 1 000 000 CZK and more | 1,50 % |
| Shares Funds* | |
| 30 000 up to 299 000 CZK** | 3,75 % |
| 300 000 up to 999 999 CZK | 3,00 % |
| 1 000 000 CZK and more | 2,75 % |
| Mixed, Guaranteed, Index, “Click” Funds | |
| 30 000 up to 299 999 CZK | 2,75 % |
| 300 000 up to 999 999 CZK | 2,50 % |
| 1 000 000 CZK and more | 2,25 % |
| Sale of share certificates | free of charge |
| Transfer of share certificates within the framework of one of the above mentioned investment companies ( fund change) | |
| change into a fund with higher sale fee | difference between higher and lower fee for purchase in given volume range (according to the amount of invested assets) |
| change into a fund with lower sale fee | free of charge |
| Dividend payment from mutual funds | free of charge |
* Minimal fee for purchase of Volksbank Invest Mutual Funds is EUR 10,-.
** Maximal fee for purchase of ING Investment Shares Funds denominated in EUR, USD and JPY is 3%.
7.3.2 Guaranteed Growth Funds of HSBC
| Transaction | in CZK or equivalent |
|---|---|
| Purchase of share certificates | free of charge |
| Sale of share certificates before maturity | 1,50 % |
| Transfer between guaranteed growth funds of HSBC | free of charge |
| Maturity of share certificates | free of charge |
7.3.3 ETF (Exchange Traded Funds)
| Transaction | in CZK or equivalent |
|---|---|
| Emissions traded on public markets | |
| purchase or sale | 1,25 %, min. EUR 50,– |
7.3.4 Other Mutual Funds
| Transaction | in CZK or equivalent |
|---|---|
| Purchase of share certificates | information on request according to a concrete requirement |
| Sale of share certificates | EUR 16,– |
7.4 Shares
| Transaction | in CZK or equivalent |
|---|---|
| Purchase or sale | |
| Czech Republic | 1,25 %, min. CZK 100,– |
| EU EMU (European Monetary Union) | |
| Finland, France, Netherlands, Italy, Luxembourg, Germany, Portugal, Austria, Slovenia, Spain | 1,25 %, min. EUR 38,– |
| Europe – other countries | |
| Denmark | 1,25 %, min. DKK 300,– |
| Hungary | 1,25 %, min. HUF 20.000,– |
| Norway | 1,25 %, min. NOK 300,– |
| Poland | 1,25 %, min. PLN 330,– |
| Russia | 1,25 %, min. EUR 100,– |
| Greece | 1,25 %, min. EUR 150,– |
| Sweden | 1,25 %, min. SEK 350,– |
| Switzerland | 1,25 %, min. CHF 60,– |
| Bulgaria, Croatia, Romania, Estonia, Lithuania, Latvia, Ukraine | 1,50 %, min. EUR 100,– |
| Great Britain | 1,25 %, min. GBP 50,– + 0,50 % Stamp duty at purchase |
| Other countries | |
| Australia | 1,25 %, min. AUD 200,– |
| Hong-Kong | 1,25 %, min. HKD 1.000,– |
| Canada | 1,25 %, min. CAD 100,– |
| USA | 1,25 %, min. USD 50,– |
| other countries | provided on request |
| Dividend payment | |
| domestic | free of charge |
| foreign | fees of foreign administrators (custodian)= 0,30% of the transaction volume, min. EUR 1.50, max. EUR 50,– |
| Shares split, reverse split, change of nominal value, decrease of basic capital | free of charge |
7.5 Other
7.5.1 Securities Trading
| Transaction | in CZK or equivalent |
|---|---|
| Submission of an order | free of charge |
| Change of order parameters | free of charge |
| Cancellation of an order | free of charge |
7.5.2 Aministration of Securities
| Transaction | in CZK or equivalent |
|---|---|
| Keeping depot securities - report annually depot | 0,2% p.a. min. CZK 200,-/depot (including 20% DPH) |
| Annual depot statement, extraordinary depot statement | free of charge |
| Custody transfers | |
| domestic | |
| transfer to the depot | free of charge |
| transfer from the depot | CZK 1.000,–/ transactions + costs of third parties (information is available upon the request, according to the particular requirement) |
| foreign | |
| transfer to depot | free of charge |
| transfer from depot | EUR 40,–/ transaction + costs of third parties (information on request according to a concrete requirement) |
| Subscription for newly issued shares | according to a fee on the market, on which the subscribed title is traded |
| Purchase/sale of rights (option of current shareholders at increase of basic capital) | according to the fee for the market in which the right trades |
| Foreign exchange conversions connected with purchase/sale of securities | exchange rate of foreign currency purchase/sale according to the current exchange rate list of Volksbank CZ valid on the date of realization of trade |
Gipsies
8.Other banking services
Print the entire chapter Print current view Back to index8.1 Cheques
| Transaction | in CZK or equivalent |
|---|---|
| Traveler's cheques | |
| Purchase and sale of traveller’ s cheques | 2 % min. 300,– |
| Surcharge for each cheque | 10,– |
| Cashing a cheque issued by another bank (only for clients of Volksbank CZ) | |
| Crediting an account with the cheque | 1 % min 500,- max. 2.000,- + other bank charges |
| Return of unpaid cheque | 500,– + fee of other bank |
| Cashing a pension sent repeatedly by cheque | 150,– |
| Client cheques of Volksbank CZ | |
| Issue of a Volksbank CZ, a.s. Client cheque | 3,– |
| Cashing a Client cheque of Volksbank CZ, a.s. – on account | |
| drawn in CZK (with transfer to an account held with another bank) | 1 % min. 100,– max. 1.700,– |
| drawn in foreign currency (with transfer to an account held with another bank) | 0,5 % min. 50,– max. 300,– |
| Cashing a cheque in CZK | |
| Via transfer to an account at another bank in the Czech Republic | 1 % min. 100,– max. 1.000,– |
| Via transfer to a client’s account at Volksbank CZ | 50,– |
| Cashing a cheque in cash | |
| up to CZK 250.000 | 45,– |
| exceeding CZK 250.000 | 0,1 % z částky, max. 2.000,– |
| Dishonour of Client cheque for the reason of insufficient cover | 2.000,– |
| upon its submission at Volksbank CZ, cash desk | free of charge |
| Banker´s cheques | |
| Issue of Bank cheque drawn by Österreichische Volksbanken AG | 0,5 % min. 500,– max. 5.000,– |
| surcharge for a cheque issued in USD | 300,– |
| surcharge for a cheque issued urgently | 500,– |
| Cashing a bank cheque of correspondent banks payable with Volksbank | 1 % min. 100,- max. 1.000,- |
| Others | |
| Recall of a cheque | 300,– |
| Stop payment | 300 + telecommunication costs |
| Return of not used cheque (crediting an account with the amount) | 300,- + fees of the correnspond. Bank |
8.2 Banking Information
| Transactions | in CZK or equivalent |
|---|---|
| Provision of banking information about Volksbank CZ, a.s. client | |
| at their own request | 1.000,– (+ 20 % VAT) |
| at their own request for the purposes of audit | 2.000,– (+ 20 % VAT) |
| Provision of banking information about a client of another bank – to client of Volksbank CZ. a.s. | compensation of real costs + 1.000,- (+ 20% VAT) per one query |
8.3 Safe deposit boxes
| Transaction | in CZK or equivalent |
|---|---|
| They are installed only in selected branches. Fees for renting safe deposit boxes (including 20% VAT) are available at respective branches | |
| Deposit for release of two keys | 2.000,– |
| Sending a reminder to pay the rent | 100,- (+ 20% VAT) |
| Deposit of not collected content of the safe deposit box | 5000,- yearly + VAT |
| Fee for not vacating the safe box after termination of the contractual relationship | according to real costs in connection with the vacation of the safe deposit box |
8.4 Day and night depositories
| Transaction | in CZK or equivalent |
|---|---|
| Deposit for release of depository case and keys. | 3.000,– |
8.5 Other
8.5.1 Fees for services not mentioned in the List of fees
| Transaction | in CZK or equivalent |
|---|---|
| For services not mentioned in the List of fees* | 200,- for each commenced 15 minute period of work |
| Crediting interests, transfer of deduction tax, booking prices for services | free of charge |
| Fee for execution | 150,- |
* In case that the services are not part of financial activities pursuant to Act no. 235ˇ2004 Coll., on Value Added Tax, the Bank shall book 20 % VAT.
8.5.2 Joint provisions
Other fees not mentioned in this List of fees shall be communicated to You at branches of Volksbank CZ, a.s., upon Your request. Should you have any questions, please contact Your Consultant at Your branch.
Apart from this fees mentioned in this List of fees, Volksbank CZ, a.s. shall book to the debit of a Client possible costs charged by foreign and domestic banks or other organizations that have arisen in connection with operations carried out at the Client request, unless agreed in specific cases otherwise.
Companies
1.Current accounts and deposits
Print the entire chapter Print current view Back to index1.1 Current accounts
1.1.1 Current account
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 150,– |
| Account statement (per statement)** | |
| electronic account statement(e-statement)/collection at Infoterminal | free of charge |
| by post upon turnover / weekly / monthly / quarterly*** / yearly*** | 35,– |
| Copy of an account statement, copy of Debit/Credit Advice | |
| statement for last 12 months/older than 12 months | 50,– |
| Infoterminal - fee for issuing the Infocard | free of charge |
| Issuing Confirmation of the balance on the account | 1.000,– |
| Fee for dispatch key (yearly) | 400,– |
| Blocking an account at the Client request | 200,– |
| Blockage of payment of deposit products | 500,- |
* The fee is booked on the last day of a calendar month.
** The standard method of statement hand out is electronic account statement (e-statement) or via Infoterminal. In case of accounts established before 31.10.2009, the method of statement hand out is agreed in the account contract. Fee is charged for each copy.
*** Term accounts only
1.1.2 Escrow account
| Transaction | in CZK or equivalent |
|---|---|
| Fee for an escrow account | 0, 5 % of the escrow account amount, min 3.000,- |
1.2 Special accounts
1.2.1 Special current account for the purpose of paying up the company basic capital
| Transaction | in CZK or equivalent |
|---|---|
| Cash fee for opening an account | 500,– |
| Maintenance of an account (monthly) | see chapter 1.1.1 Current account |
| Issue of Confirmation of depositing funds into an account | free of charge |
1.2.2 Special account for EU / Grant schemas
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly) | |
| paying the interest from account credit balance - not arranged | free of charge |
| paying the interest from account credit balance - is arranged | 150,– |
1.2.3 Account REZERVA
Valid from 14 January 2011
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly) | free of charge |
| Incoming payment* | free of charge |
| Outgoing payment ** | |
| made via electronic banking | |
| entry outside Volksbank CZ (including entries on a standing order, SIPO and permitted direct debit) | 24,– |
* This applies to incoming payments within the Bank and incoming payments from another Bank.
** The above mentioned fee amount applies to transactions carried out via account Rezerva. Entries are charged on the last business day of a calendar month. Other fees not mentioned above follow relevant chapters of the List of Fees.
1.3 Term deposits
| Transactions | in CZK or equivalent |
|---|---|
| Establishment of a term deposit | free of charge |
| Maintenance of the term deposit | free of charge |
| Renewal of revolving term deposit | free of charge |
| Cancellation of a term deposit | free of charge |
| Premature withdrawal of founds from the term deposit / premature cancellation of the term deposit | individually |
1.4 Deposit bills
| Transaction | in CZK or equivalent |
|---|---|
| Drawing of a deposit bill of exchange | free of charge |
| Premature payment of a deposit bill of exchange | 1 % min. 1.000,– |
| Custody of deposit bill of exchange | free of charge |
1.5 Others
| Transaction | in CZK or equivalent |
|---|---|
| Interest rate for unauthorised overdrafts on current accounts | 25 % p.a. |
| Fee for reminder to settle debit balance on the account, Subsequent fine for not observing the contractual conditions | |
| first reminder | 100,- |
| second and each following reminder | 200,- |
| Subsequent fine for not observing the contractual conditions | 2.000,- |
| Infoterminal - loss of lent Infocard | 200,- |
Companies
2.Payments
Print the entire chapter Print current view Back to index- Cash payments
- Foreign exchange operations
- Domestic noncash payments
- Foreign noncash payments
- Charge tariffs
2.1 Cash payments
| Transaction | in CZK or equivalent |
|---|---|
| Cash deposit | free of charge |
| Unsorted banknotes - surcharge for cash deposit exceeding CZK 500 000 within one day | 0,1 % of the amount deposited, max 1.000,- |
| Surcharge for cash deposit in foreign currency (exceeding CZK 500,000 or equivalent) within one day | 0,1 % of the amount deposited, max 1.000,- |
| Deposit into account with Ceskomoravska stavebni sporitelna | 50,– |
| Deposit into account held with another financial institution | 2 % min. 1.000,– |
| Cash withdrawal* | 60,– |
| Surchage for cash withdrawal exceeding CZK 250.000 within one day | 0,2 % of the amount withdrawn |
| Unannounced withdrawal exceeding CZK 250.000 | 1.000,– |
| Failure to collect advised withdrawal above CZK 250.000 | 0,3 % min. 500,– |
| Fee for changing cash consisting of more than 100 notes or coins of the same nominal value, including recounting of coins | 1% min. 100,- CZK |
| Fee for changing cash consisting of more than 100 notes or coins of the same nominal value, including recounting of banknotes (only) | 0,1 % of the amount |
| Surcharge for cash withdrawal in foreign currency (except EUR,USD,GBP and CHF) | 0.5% of the withdrawn amount |
* Entries are booked on the last working day of a calendar month.
2.2 Foreign exchange operations
| Transaction | in CZK or equivalent |
|---|---|
| Purchase / sale of foreign currency in cash | free of charge |
| Purchase of damaged and preclusive foreign exchange | 8 % of the exchange rate „ foreign exchange purchase“ |
2.3 Domestic noncash payments
2.3.1 Incoming payments
| Transaction | in CZK or equivalent |
|---|---|
| Incoming payment within Volksbank CZ | free of charge |
| Incoming payment from another bank | 5,– |
The entries are charged on the last business day of a calendar month.
2.3.2 Outgoing payments
| Transaction | in CZK or equivalent |
|---|---|
| Outgoing payment made via electronic banking or generated by system* | |
| entry within Volksbank CZ (including entries in a standing order and accepted direct debit) | free of charge |
| one-off entry outside Volksbank CZ | 5,- |
| entry outside Volksbank CZ (including entries in a standing order, SIPO payments and accepted direct debit) | 6,– |
| Outgoing payment made via Phone banking | |
| entry within Volksbank CZ/oustside Volksbank CZ | 10,– |
| Outgoing payment submitted on paper payment order | |
| entry on standard and non-standard paper payment order within Volksbank CZ | free of charge |
| entry on standard paper payment order outside Volksbank CZ | 50,– |
| entry on non-standard paper payment order outside Volksbank CZ | 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.
2.3.3 Standing orders
| Transaction | in CZK or equivalent |
|---|---|
| Standing order, SIPO, permitted direct debit - in paper form | |
| estabilishing | free of charge |
| change/cancellation | 50,– |
| Standing order - domestic, SIPO, permitted direct debit - electronically/Phone banking | |
| establishing/change/cancelling | free of charge |
2.3.4 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 Volksbank CZ 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)/via Infoterminal | 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.
2.4 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.
2.4.1 Incoming payments
| Transaction | in CZK or equivalent |
|---|---|
| Incoming payment of BEN/SHA type (Volksbank CZ 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 of OUR type and incoming payment within Volksbank | free of charge |
| Volksbank payment* | free of charge |
* 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)Incoming and outgoing payment in CZK to/from Volksbank Slovensko (Slovakia)
2.4.2 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 Volksbank CZ 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,– |
* 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);
2.4.3 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 | 1000,- |
| Surcharge for urgent (priority) payment | 750,– |
| Confirmation of payment execution (SWIFT message) when presenting the payment order | 200,– |
| Confirmation of payment execution (SWIFT message) Confirmation of payment execution (Swift message) at the Client’s request after presenting the payment orde | 300,- |
| 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 manual correction of incorect data or supplementing missing data in a payment order or amendment of data inserted in a wrog field | 150,- |
| Surcharge for executing a payment after cut-off time (upon previous agreement with the Bank)** | 500,– |
| Surcharge for elimination of an electronic payment order due to insufficient funds | 100,- |
| Account statement – SWIFT (monthly) | 500,- |
| Crediting a returned payment due to incorrect instructions by the Client | 300,– |
| Surcharge for NON-STP payment*** | 300,–/150,– |
| Surcharge for paper payment order (including transfer within Volksbank CZ) | 300,– |
| Standing orders | |
| Standing order (establishing/change/cancelling) | 200,- |
* 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.
*** Surcharge of CZK 300,- : 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.
2.5 Charge tariffs
| Transaction | in CZK or equivalent |
|---|---|
| Establishment/change/cancellation 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
Companies
3.Direct banking
Print the entire chapter Print current view Back to index3.1 Electronic banking
3.1.1 Internet banking
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage * | 100,– |
| Cancelling the service | free of charge |
| One-off charge for activation of safety token | 250,– |
| One-off charge for handing over the Security envelopes | free of charge |
| One-off charge for activation | free of charge |
| Renewal of security data | 150,– |
| New token release by reason of expiration | free of charge |
| New token release by reason of loss or alienation | 450,– |
The fees include administration of any selected number of accounts for one client (legal entity) held with Volksbank CZ, a.s.
* The fee is charged from the month after the contract has became effective.
3.1.2 Homebanking
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage* | 250,– |
| One-off charge for Gemini software (including installation and training)** | 3.000,– |
| additional user station | 1.500,– |
| One-off charge for activation of safety token | 250,- |
| One-off charge for issuance of safety envelopes | free of charge |
| Renewal of signature certificate / safety data | 150,– |
| Other services (repeated training for Gemini software / reinstallation at client's place upon their request) | 1.000.- per hour of work |
| Cancellation of the service | free of charge |
* The fee is payable from the month following the month when the contract has became effective.
** Valid only within the Czech Republic.
3.1.3 Multicash
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage* | 1.000,– |
| One-off charge for installation | 7.000,– |
| One-off charge for activation | 3.000,– |
| Other services (repeated training reg. software MultiCash/reinstallation at Client´s place based on his/her request) | 1.000.- per hour of work |
| Cancellation of the service | free of charge |
* The fee is payable from the month following the month when the contract has became effective.
3.1.4 SMS/email messages
| Transaction | in CZK or equivalent |
|---|---|
| Sending an SMS informing of the regular balance | free of charge |
| Sending an SMS informing of the login into internet banking | 2,50 |
| Sending an SMS informing of the change of balance | 2,50 |
| Sending an SMS informing of the unauthorized overdraft | 2,50 |
| Sending an SMS informing of the incoming transaction | 2,50 |
| Sending an SMS informing of the outgoing transaction | 2,50 |
| Transaction | in CZK or equivalent |
|---|---|
| Sending an e-mail informing of the regular balance | free of charge |
| Sending an e-mail informing of the login into internet banking | free of charge |
| Sending an e-mail informing of the change of balance | free of charge |
| Sending an e-mail informing of the unauthorized overdraft | free of charge |
| Sending an e-mail informing of the incoming transaction | free of charge |
| Sending an e-mail informing of the outgoing transaction | free of charge |
3.2 Phone banking
3.2.1 Phone banking
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage * | 49,– |
| Cancelling the service | free of charge |
| Renewal of security data | 150,– |
* The fee is charged from the month after the contract has became effective.
Companies
4.Payment cards
Print the entire chapter Print current view Back to index4.1 Debit cards
4.1.1 Debit card maintenance (monthly fee)
| Transaction | in CZK or equivalent |
|---|---|
| Business debit card* | |
| Maestro | 30,– |
| MasterCard Standard | 60,– |
| MasterCard Business | 200,– |
| MasterCard Gold | 400,– |
| VISA Electron | 30,– |
| VISA Classic | 60,– |
| VISA Business | 200,– |
| VISA Gold | 400,– |
* The fee is booked on the last working day of a calendar month.
4.1.2 Debit card transactions
| Transaction | in CZK or equivalent |
|---|---|
| ATM cash withdrawal with Maestro / MasterCard/ VISA card | |
| Volksbank ATM in the Czech Republic | 4,– |
| CSOB ATM in the Czech Republic | 8,– |
| other bank or other company ATM in the Czech Republic | 35,– |
| ATM abroad | 75,- + 0,5% of the amount |
| ATM abroad by Holiday card (business) | 75 + 0.5% of amount |
| Cash Advance | |
| Czech Republic | 1 % min. 50,– |
| abroad | 180,– + 1 % |
| Noncash settlement for goods and services | free of charge |
4.1.3 Others
| Transaction | in CZK or equivalent |
|---|---|
| Card issue | free of charge |
| Forgotten PIN – mailing | 200,– |
| Limit change at the clienťs request | 100,– |
| Release of substitute cash abroad | 3.000,– |
| Issue of a substitute card abroad | 4.000,– |
4.2 Insurance to payment cards
Validity of insurance is fixed to validity of a card (transfer is not possible). Insurance Premium and Super actively not offered from 31.10.2011
| Transaction | in CZK or equivalent |
|---|---|
| Insurance for travelling abroad (yearly fee) | |
| Standard | 300,– |
| Standard Family | 900,– |
| Exclusive* | 1200,– |
| Exclusive Family | 2280,– |
| Gold** | 1800,– |
| Gold Family | 3000,– |
| Insurance for card loss / theft (yearly fee) *** | |
| Basic | 180,– |
| Classic | 480,– |
| Super | 840,– |
| Premium | 1080,– |
| Extra | 1440,– |
| D.A.S. legal protection insurance for drivers of motor vehicles (yearly fee)**** | 300,– |
The fee is booked on the last day of a calendar month in which a client applied for the payment card insurance.
* Insurance is automatically included with MasterCard Busines and VISA Business payment cards – included in card price.
** Insurance is automatically included with MasterCard Gold and VISA Gold payment cards – included in card price.
*** Insurance cannot be arranged with Maestro card.
**** Insurance is automatically included with Gold payment cards.
4.3 Diners Club payment cards
Fees for Diners Club payment cards follow current price list of Diners Club Czech s.r.o. company, available at our branches.
Companies
5.Loans
Print the entire chapter Print current view Back to index- Entrepreneur and Business loans
- VARIANT loan program (loan amount up to 1,2 mio. CZK, inclusive)
- VARIANT plus loan program (loan amount exceeding 1,2 mio. CZK)
- Guarantees
- Financing of operations – cession of claims
- Loan facility within the EU Program
- Valuation of real estate carried out by the Bank in connection with Loan application (applies to Corporate Clients and Entrepreneuns)
- Real estate financing (developer, project)
- Fees for failure and non-fulfilment of contractual conditions
5.1 Entrepreneur and Business loans
| Transaction | in CZK or equivalent |
|---|---|
| Acceptance and evaluation of loan application | free of charge |
| Loan processing | 1,5% of the loan amount; min. 7.500,– |
| Administration of limits with a multi-purpose line (monthly) | 150,– |
| Loan administration (yearly) | |
| loans with maturity over 1 year up to 9 mil. CZK | 5.000,- |
| loan with maturity over 1 year exceeding 9 mil. CZK | 15.000,- |
| Fee for prolongation of an operating credit provided for a definite period of time | 1 % of the loan amount; min. 5.000,– |
| Fee from the undrawn overdraft credit limit | 0,9 % of the undrawn part of the loan |
| Amendment of contractual conditions at the clienťs request (for each amendment) | |
| amendment of loan amount | 11,5 % of the amendment amount, min. 5.000,– |
| other amendments | 0,25 % of the loan amount, min 2.000,- max 10.000,– |
| Fee for provision of Land register abstract | CZK 200,- + 20 % VAT (For Land registry abstracts in the extent from 1 to 3 pages; for each subsequent page (i.e. 4th and each subsequent), the fee booked is 70 CZK + 20 % VAT) |
5.2 VARIANT loan program (loan amount up to 1,2 mio. CZK, inclusive)
5.2.1 Investment loan
| Transaction | in CZK or equivalent |
|---|---|
| Processing of a loan | 0,75% of the loan amount, min.3.000,– |
| Change of conditions at the clienťs request | 8.000,– |
| Maintenance of loan (monthly) | 250,– |
| Fee for having the funds ready | 0,90 % of the undrawn loan amount |
5.2.2 Overdraft loan
| Transaction | in CZK or equivalent |
|---|---|
| Loan processing | 0,50 % of the loan amount, min. 3.000,– |
| Loan administration (yearly) | 3.000,– |
| Change of conditions at the clienťs request | 8.000,– |
| Maintenace of a current account with an overdraft loan (monthly) | 250,– |
| Fee from the undrawn overdraft credit limit | 0.9% of the undrawn part of the loan |
5.2.3 Bank guarantee
| Transaction | in CZK or equivalent |
|---|---|
| Processing of Frame application | 0,50 % of the frame amount, min. 3.000,– |
| Administration of the frame (yearly) | 3.000,– |
| Change of conditions at the clienťs request | 8.000,– |
| Fee for issue of bank guarantee | 5.000,– |
| Guarantee commission | 3 % p.a. of the issued guarantee amount, min 1.500,- |
| Amendment in the guarantee at the clienťs request | 3.000,– |
5.3 VARIANT plus loan program (loan amount exceeding 1,2 mio. CZK)
5.3.1 Investment loan, Combined - mortgage loan
| Transaction | in CZK or equivalent |
|---|---|
| Loan processing | 0,75 % of the loan amount |
| Change of conditions at the clienťs request | 8.000,– |
| Maintenance of loan (monthly) | 300,– |
| Fee for having the funds ready | 0,90 % of the undrawn loan amount |
5.3.2 Overdraft loan
| Transaction | in CZK or equivalent |
|---|---|
| Loan processing | 0,50 % of the loan amount |
| Loan administration (yearly) | 5.000,– |
| Change of conditions at the clienťs request | 8.000,– |
| Maintenace of a current account with an overdraft loan (monthly) | 300,– |
| Fee from the undrawn overdraft credit limit | 0,90 % of the undrawn loan amount |
5.3.3 Bank guarantee
| Transaction | in CZK or equivalent |
|---|---|
| Processing of Frame application | 0,50 % of the frame amount |
| Administration of the frame (yearly) | 5.000,– |
| Change of conditions at the clienťs request | 8.000,– |
| Fee for issue of bank guarantee | 5.000,– |
| Guarantee provision | 3 % p.a. of the issued guarantee amount, min. 1.500, – |
| Amendment in the guarantee at the clienťs request | 3.000,– |
5.4 Guarantees
| Transaction | in CZK or equivalent |
|---|---|
| Fee for issue of a Bank guarantee | 5.000,– |
| Administration fee for the bank guarantees (yearly) | |
| up to 9 mil. CZK | 5.000,– |
| above 9 mil. CZK | 15.000,– |
| Proposal of non-standard wording of a guarantee | 2.000,– |
| Guarantee commission | iindividually (calculated as % p.a. from the amount of the issued guarantee), min. 1.500,– |
| Amendment to the guarantee at the clienťs request | 3.000,– |
| Advice provision | 0,2% of the guarantee amount. min 1.000,- max 25.000,- |
| Collection commission | 0,2% of the guarantee amount. min 1.000,- max 25.000,- |
| Fee for SWIFT message | 100,– |
| Fees of correspondent banks | paid in full by client |
5.5 Financing of operations – cession of claims
| Transaction | in CZK or equivalent |
|---|---|
| Administration of cession of claims (monthly) | |
| claims submitted electronically | 1.000,– |
| claims submitted in paper form | 3.000,– |
5.6 Loan facility within the EU Program
| Transaction | in CZK or equivalent |
|---|---|
| Issue of a credit facility | 5.000,– |
5.7 Valuation of real estate carried out by the Bank in connection with Loan application (applies to Corporate Clients and Entrepreneuns)
| Transaction | in CZK or equivalent |
|---|---|
| Fee for real estate valuation for loans up to CZK 30.000.000 | |
| up-date of a supervision | 8.000,– |
| Fee for real estate valuation for loans exceeding 30.000.000 | |
| valuation | 20.000,– |
| up-date of an valuation | 12.000,– |
5.8 Real estate financing (developer, project)
| Transaction | in CZK or equivalent |
|---|---|
| Acceptance and evaluation of loan application | free of charge |
| Loan processing | individually |
| Fee for reservation of funds | individually |
| Change of contractual conditions at the client's request | individually |
| Administration and maintenance of an account | individually |
| Real estate valuation for loans over 30 mil. CZK | free of charge |
5.9 Fees for failure and non-fulfilment of contractual conditions
| Transaction | in CZK or equivalent |
|---|---|
| Fee for sending a reminder (warning) | 1.000,– |
| Withdrawal from the contract by reason of failure to pay the loan | 1.000,– |
Companies
6.Documentary payments
Print the entire chapter Print current view Back to index- Buyer's Documentary Letter of Credit
- Supplier’s Documentary Letter of Credit
- Import Documentary Letter of Credit
- Export Documentary Letter of Credit
- Documentary Collections
- Other
6.1 Buyer's Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Issuance of pre-advice of L/C | 500,– |
| Opening of L/C | 0,1 % for each commenced month, min. 1.000,– |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents | 0,2 % min. 1 000,– |
| Deferred payment | 0,1 % for each 30 day period commenced, min. 1 000,– |
| Non-utilization of L/C | 500,– |
| Faults in documents on the account of a supplier | 1.000,– |
6.2 Supplier’s Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Pre-advice of L/C | 500,– |
| Advice of L/C | 0,2 % min. 1.000,– |
| Confirmation of L/C, increase and/or prolongation of a confirmed L/C | individually |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents/ payment of L/C | 0,2 % min. 1.000,– |
| Deferred payment – only at confirmed L/Cs | individually |
| Cancellation of L/C | 500,– |
| Transfer of L/C | 0,25 % min. 1.000,– |
| Transfer of L/C yield in favour of client‘s account at another bank | 500,– |
| Promise of assignment of L/C yield | 1.000,– |
6.3 Import Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Issuance of pre-advice of L/C | 500,– |
| Opening of L/C | 0,3 % min. 3 000,– for the 1st quarter; 0,1 % min. 1 000,– then for each month commenced |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents/ payment of L/C | 0,3 % min. 1.000,– |
| Deferred payment, acceptance of a bill | 0,15 % min. 1 000,– for each month commenced |
| Non-utilization of L/C | 1.000,– |
| Release of goods consigned to the bank | 1.000,– |
| Faults in documents on the account of a supplier | |
| in USD | USD 70,– |
| in EUR | EUR 50,– |
6.4 Export Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Pre-advice of L/C | 500,– |
| Advice of L/C | 0,2 % min. 1.000,– |
| Confirmation of L/C, increase and/or prolongation of a confirmed L/C | individually |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents/ payment of L/C | 0,3 % min. 1.000,– |
| Deferred payment, accepting bill of exchange - for confirmed L/Cs only | individually |
| Cancellation of L/C | 500,– |
| Transfer of L/C | 0,25 % min. 1.000,– |
| Transfer of L/C yield in favour of client‘s account with another bank | fees are stated in chapter 2.3 Noncash foreign payments |
| Promise of assignment of L/C yield | 1.000,– |
6.5 Documentary Collections
| Transaction | in CZK or equivalent |
|---|---|
| Collection processing | 0,2 % min. 1.000,– max. 20.000,– |
| Release of goods consigned to the bank | 1.000,– |
| Security of bill acceptance | 500,– |
| Amendment of collection instructions | 500,– |
| Security of bill protest | 1.000,- and actual notary fees |
6.6 Other
| Transaction | in CZK or equivalent |
|---|---|
| SWIFT message | 100,– |
| Fee for administration of the frame for letters of credit (annually) | |
| up to 9 mil. CZK | 5.000,– |
| over 9 mil. CZK | 15.000,– |
Companies
7.Investments
Print the entire chapter Print current view Back to index7.1 Certificates
7.1.1 Investment certificates with fixed maturity date (guaranteed, airbag/bonus and other non-leverage certificates)
| Transaction | in CZK or equivalent |
|---|---|
| Emissions of Volksbank AG (OTC) | |
| purchase | according to the conditions determined for an individual emission |
| sale | free of charge |
| maturity (for maturity certificates) | free of charge |
| coupon payment | free of charge |
| Emissions traded on public markets | |
| purchase or sale | 1,25 % |
| maturity | 0,3% of the transaction volume, min. EUR 1,50, max. EUR 50,- |
| coupon payment | fees of foreign administrators (custodian)= 0,30% of the transaction volume, min. EUR 1.50, max. EUR 50,– |
7.1.2 Investment certificates without maturity date (index certificates and other non-leverage certificates)
| Transaction | in CZK or equivalent |
|---|---|
| Purchase or sale | 1,25 %, min. EUR 38,– |
7.2 Bonds
| Transaction | in CZK or equivalent |
|---|---|
| Purchase or sale | 0,60% + costs of third parties |
| Bonds maturity | |
| domestic | free of charge |
| foreign | fees of foreign administrators (custodian)= 0,30% of the transaction volume, min. EUR 1.50, max. EUR 50,– |
| Coupon payments | |
| bonds or mortgage bonds issued by Volksbank CZ | free of charge |
| domestic | free of charge |
| foreign | fees of foreign administrators (custodian)= 0,30% of the transaction volume, min. EUR 1.50, max. EUR 50,– |
7.3 Funds
7.3.1 Mutual Funds of Volksbank Invest, ING Investment Management, HSBC
| Transaction | in CZK or equivalent |
|---|---|
| Purchase of share certificates | |
| Money Funds | |
| 30 000 up to 299 000 CZK | 0,75 % |
| 300 000 up to 999 999 CZK | 0,50 % |
| 1 000 000 CZK and more | 0,35 % |
| Bond Funds* | |
| 30 000 up to 299 000 CZK | 2,00 % |
| 300 000 up to 999 999 CZK | 1,75 % |
| 1 000 000 CZK and more | 1,50 % |
| Shares Funds* | |
| 30 000 up to 299 000 CZK** | 3,75 % |
| 300 000 up to 999 999 CZK | 3,00 % |
| 1 000 000 CZK and more | 2,75 % |
| Mixed, Guaranteed, Index, “Click” Funds | |
| 30 000 up to 299 999 CZK | 2,75 % |
| 300 000 up to 999 999 CZK | 2,50 % |
| 1 000 000 CZK and more | 2,25 % |
| Sale of share certificates | free of charge |
| Transfer of share certificates within the framework of one of the above mentioned investment companies ( fund change) | |
| change into a fund with higher sale fee | difference between higher and lower fee for purchase in given volume range (according to the amount of invested assets) |
| change into a fund with lower sale fee | free of charge |
| Dividend payment from mutual funds | free of charge |
* Minimal fee for purchase of Volksbank Invest Mutual Funds is EUR 10,-.
** Maximal fee for purchase of ING Investment Shares Funds denominated in EUR, USD and JPY is 3%.
7.3.2 Guaranteed Growth Funds of HSBC
| Transaction | in CZK or equivalent |
|---|---|
| Purchase of share certificates | free of charge |
| Sale of share certificates before maturity | 1,50 % |
| Transfer between guaranteed growth funds of HSBC | free of charge |
| Maturity of share certificates | free of charge |
7.3.3 ETF (Exchange Traded Funds)
| Transaction | in CZK or equivalent |
|---|---|
| Emissions traded on public markets | |
| purchase or sale | 1,25 %, min. EUR 50,– |
7.3.4 Other Mutual Funds
| Transaction | in CZK or equivalent |
|---|---|
| Purchase of share certificates | information on request according to a concrete requirement |
| Sale of share certificates | EUR 16,– |
7.4 Shares
| Transaction | in CZK or equivalent |
|---|---|
| Purchase or sale | |
| Czech Republic | 1,25 %, min. CZK 100,– |
| EU EMU (European Monetary Union) | |
| Finland, France, Netherlands, Italy, Luxembourg, Germany, Portugal, Austria, Slovenia, Spain | 1,25 %, min. EUR 38,– |
| Europe – other countries | |
| Denmark | 1,25 %, min. DKK 300,– |
| Hungary | 1,25 %, min. HUF 20.000,– |
| Norway | 1,25 %, min. NOK 300,– |
| Poland | 1,25 %, min. PLN 330,– |
| Russia | 1,25 %, min. EUR 100,– |
| Greece | 1,25 %, min. EUR 150,– |
| Sweden | 1,25 %, min. SEK 350,– |
| Switzerland | 1,25 %, min. CHF 60,– |
| Bulgaria, Croatia, Romania, Estonia, Lithuania, Latvia, Ukraine | 1,50 %, min. EUR 100,– |
| Great Britain | 1,25 %, min. GBP 50,– + 0,50 % Stamp duty at purchase |
| Other countries | |
| Australia | 1,25 %, min. AUD 200,– |
| Hong-Kong | 1,25 %, min. HKD 1.000,– |
| Canada | 1,25 %, min. CAD 100,– |
| USA | 1,25 %, min. USD 50,– |
| other countries | provided on request |
| Dividend payment | |
| domestic | free of charge |
| foreign | fees of foreign administrators (custodian)= 0,30% of the transaction volume, min. EUR 1.50, max. EUR 50,– |
| Shares split, reverse split, change of nominal value, decrease of basic capital | free of charge |
7.5 Other
7.5.1 Securities Trading
| Transaction | in CZK or equivalent |
|---|---|
| Submission of an order | free of charge |
| Change of order parameters | free of charge |
| Cancellation of an order | free of charge |
7.5.2 Aministration of Securities
| Transaction | in CZK or equivalent |
|---|---|
| Keeping depot securities - report annually depot | 0,2% p.a. min. CZK 200,-/depot (including 20% DPH) |
| Annual depot statement, extraordinary depot statement | free of charge |
| Custody transfers | |
| domestic | |
| transfer to the depot | free of charge |
| transfer from the depot | CZK 1.000,–/ transactions + costs of third parties (information is available upon the request, according to the particular requirement) |
| foreign | |
| transfer to depot | free of charge |
| transfer from depot | EUR 40,–/ transaction + costs of third parties (information on request according to a concrete requirement) |
| Subscription for newly issued shares | according to a fee on the market, on which the subscribed title is traded |
| Purchase/sale of rights (option of current shareholders at increase of basic capital) | according to the market, on which the rights are traded |
| Foreign exchange conversions connected with purchase/sale of securities | exchange rate of foreign currency purchase/sale according to the current exchange rate list of Volksbank CZ valid on the date of realization of trade |
Companies
8.Other banking services
Print the entire chapter Print current view Back to index8.1 Cheques
| Transaction | in CZK or equivalent |
|---|---|
| Traveler's cheques | |
| Purchase and sale of traveller’ s cheques | 2 % min. 300,– |
| Surcharge for each cheque | 10,– |
| Cashing a cheque issued by another bank (only for clients of Volksbank CZ) | |
| Crediting an account with the cheque | 1 % min 500,- max. 2.000,- + other bank charges |
| Return of unpaid cheque | 500,– + fee of other bank |
| Cashing a pension sent repeatedly by cheque | 150,– |
| Client cheques of Volksbank CZ | |
| Issue of a Volksbank CZ, a.s. Client cheque | 3,– |
| Cashing a Client cheque of Volksbank CZ, a.s. – on account | |
| drawn in CZK (with transfer to an account held with another bank) | 1 % min. 100,– max. 1.700,– |
| drawn in foreign currency (with transfer to an account held with another bank) | 0,5 % min. 50,– max. 300,– |
| Cashing a cheque in CZK | |
| Via transfer to an account at another bank in the Czech Republic | 1 % min. 100,– max. 1.000,– |
| Via transfer to a client’s account at Volksbank CZ | 50,– |
| Cashing a cheque in cash | |
| up to CZK 250.000 | 45,– |
| exceeding CZK 250.000 | 0,1 % z částky, max. 2.000,– |
| Dishonour of Client cheque for the reason of insufficient cover | 2.000,– |
| upon its submission at Volksbank CZ, cash desk | free of charge |
| Banker´s cheques | |
| Issue of Bank cheque drawn by Österreichische Volksbanken AG | 0,5 % min. 500,– max. 5.000,– |
| surcharge for a cheque issued in USD | 300,– |
| surcharge for a cheque issued urgently | 500,– |
| Cashing a bank cheque of correspondent banks payable with Volksbank | 1 % min. 100,- max. 1.000,- |
| Others | |
| Recall of a cheque | 300,– |
| Stop payment | 300 + telecommunication costs |
| Return of not used cheque (crediting an account with the amount) | 300,- + fees of the correnspond. Bank |
8.2 Banking Information
| Transactions | in CZK or equivalent |
|---|---|
| Provision of banking information about Volksbank CZ, a.s. client | |
| at their own request | 1.000,– (+ 20 % VAT) |
| at their own request for the purposes of audit | 2.000,– (+ 20 % VAT) |
| Provision of banking information about a client of another bank – to client of Volksbank CZ. a.s. | compensation of real costs + 1.000,- (+ 20% VAT) per one query |
8.3 Safe deposit boxes
| Transaction | in CZK or equivalent |
|---|---|
| They are installed only in selected branches. Fees for renting safe deposit boxes (including 20% VAT) are available at respective branches | |
| Deposit for release of two keys | 2.000,– |
| Sending a reminder to pay the rent | 100,- (+ 20% VAT) |
| Deposit of not collected content of the safe deposit box | 5000,- yearly + VAT |
| Fee for not vacating the safe box after termination of the contractual relationship | according to real costs in connection with the vacation of the safe deposit box |
8.4 Day and night depositories
| Transaction | in CZK or equivalent |
|---|---|
| Deposit for release of depository case and keys. | 3.000,– |
8.5 Other
8.5.1 Fees for services not mentioned in the List of fees
| Transaction | in CZK or equivalent |
|---|---|
| For services not mentioned in the List of fees* | 200,- for each commenced 15 minute period of work |
| Crediting interests, transfer of deduction tax, booking prices for services | free of charge |
| Fee for execution | 150,- |
* In case that the services are not part of financial activities pursuant to Act no. 235ˇ2004 Coll., on Value Added Tax, the Bank shall book 20 % VAT.
8.5.2 Joint provisions
Other fees not mentioned in this List of fees shall be communicated to You at branches of Volksbank CZ, a.s., upon Your request. Should you have any questions, please contact Your Consultant at Your branch.
Apart from this fees mentioned in this List of fees, Volksbank CZ, a.s. shall book to the debit of a Client possible costs charged by foreign and domestic banks or other organizations that have arisen in connection with operations carried out at the Client request, unless agreed in specific cases otherwise.
Companies
1.Current accounts and deposits
Print the entire chapter Print current view Back to index1.1 Current accounts
1.1.1 Current account
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 150,– |
| Account statement (per statement)** | |
| electronic account statement(e-statement)/collection at Infoterminal | free of charge |
| by post upon turnover / weekly / monthly / quarterly*** / yearly*** | 35,– |
| Copy of an account statement, copy of Debit/Credit Advice | |
| statement for last 12 months/older than 12 months | 50,– |
| Infoterminal - fee for issuing the Infocard | free of charge |
| Issuing Confirmation of the balance on the account | 1.000,– |
| Fee for dispatch key (yearly) | 400,– |
| Blocking an account at the Client request | 200,– |
| Blockage of payment of deposit products | 500,- |
* The fee is booked on the last day of a calendar month.
** The standard method of statement hand out is electronic account statement (e-statement) or via Infoterminal. In case of accounts established before 31.10.2009, the method of statement hand out is agreed in the account contract. Fee is charged for each copy.
*** Term accounts only
1.1.2 Escrow account
| Transaction | in CZK or equivalent |
|---|---|
| Fee for an escrow account | 0, 5 % of the escrow account amount, min 3.000,- |
1.2 Special accounts
1.2.1 Special current account for the purpose of paying up the company basic capital
| Transaction | in CZK or equivalent |
|---|---|
| Cash fee for opening an account | 500,– |
| Maintenance of an account (monthly) | see chapter 1.1.1 Current account |
| Issue of Confirmation of depositing funds into an account | free of charge |
1.2.2 Special account for EU / Grant schemas
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly) | |
| paying the interest from account credit balance - not arranged | free of charge |
| paying the interest from account credit balance - is arranged | 150,– |
1.2.3 Account REZERVA
Valid from 14 January 2011
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly) | free of charge |
| Incoming payment* | free of charge |
| Outgoing payment ** | |
| made via electronic banking | |
| entry outside Volksbank CZ (including entries on a standing order, SIPO and permitted direct debit) | 24,– |
* This applies to incoming payments within the Bank and incoming payments from another Bank.
** The above mentioned fee amount applies to transactions carried out via account Rezerva. Entries are charged on the last business day of a calendar month. Other fees not mentioned above follow relevant chapters of the List of Fees.
1.3 Term deposits
| Transactions | in CZK or equivalent |
|---|---|
| Establishment of a term deposit | free of charge |
| Maintenance of the term deposit | free of charge |
| Renewal of revolving term deposit | free of charge |
| Cancellation of a term deposit | free of charge |
| Premature withdrawal of founds from the term deposit / premature cancellation of the term deposit | individually |
1.4 Deposit bills
| Transaction | in CZK or equivalent |
|---|---|
| Drawing of a deposit bill of exchange | free of charge |
| Premature payment of a deposit bill of exchange | 1 % min. 1.000,– |
| Custody of deposit bill of exchange | free of charge |
1.5 Others
| Transaction | in CZK or equivalent |
|---|---|
| Interest rate for unauthorised overdrafts on current accounts | 25 % p.a. |
| Fee for reminder to settle debit balance on the account, Subsequent fine for not observing the contractual conditions | |
| first reminder | 100,- |
| second and each following reminder | 200,- |
| Subsequent fine for not observing the contractual conditions | 2.000,- |
| Infoterminal - loss of lent Infocard | 200,- |
Companies
2.Payments
Print the entire chapter Print current view Back to index- Cash payments
- Foreign exchange operations
- Domestic noncash payments
- Foreign noncash payments
- Charge tariffs
2.1 Cash payments
| Transaction | in CZK or equivalent |
|---|---|
| Cash deposit | free of charge |
| Unsorted banknotes - surcharge for cash deposit exceeding CZK 500 000 within one day | 0,1 % of the amount deposited, max 1.000,- |
| Surcharge for cash deposit in foreign currency (exceeding CZK 500,000 or equivalent) within one day | 0,1 % of the amount deposited, max 1.000,- |
| Deposit into account with Ceskomoravska stavebni sporitelna | 50,– |
| Deposit into account held with another financial institution | 2 % min. 1.000,– |
| Cash withdrawal* | 60,– |
| Surchage for cash withdrawal exceeding CZK 250.000 within one day | 0,2 % of the amount withdrawn |
| Unannounced withdrawal exceeding CZK 250.000 | 1.000,– |
| Failure to collect advised withdrawal above CZK 250.000 | 0,3 % min. 500,– |
| Fee for changing cash consisting of more than 100 notes or coins of the same nominal value, including recounting of coins | 1% min. 100,- CZK |
| Fee for changing cash consisting of more than 100 notes or coins of the same nominal value, including recounting of banknotes (only) | 0,1 % of the amount |
| Surcharge for cash withdrawal in foreign currency (except EUR,USD,GBP and CHF) | 0.5% of the withdrawn amount |
* Entries are booked on the last working day of a calendar month.
2.2 Foreign exchange operations
| Transaction | in CZK or equivalent |
|---|---|
| Purchase / sale of foreign currency in cash | free of charge |
| Purchase of damaged and preclusive foreign exchange | 8 % of the exchange rate „ foreign exchange purchase“ |
2.3 Domestic noncash payments
2.3.1 Incoming payments
| Transaction | in CZK or equivalent |
|---|---|
| Incoming payment within Volksbank CZ | free of charge |
| Incoming payment from another bank | 5,– |
The entries are charged on the last business day of a calendar month.
2.3.2 Outgoing payments
| Transaction | in CZK or equivalent |
|---|---|
| Outgoing payment made via electronic banking or generated by system* | |
| entry within Volksbank CZ (including entries in a standing order and accepted direct debit) | free of charge |
| one-off entry outside Volksbank CZ | 5,- |
| entry outside Volksbank CZ (including entries in a standing order, SIPO payments and accepted direct debit) | 6,– |
| Outgoing payment made via Phone banking | |
| entry within Volksbank CZ/oustside Volksbank CZ | 10,– |
| Outgoing payment submitted on paper payment order | |
| entry on standard and non-standard paper payment order within Volksbank CZ | free of charge |
| entry on standard paper payment order outside Volksbank CZ | 50,– |
| entry on non-standard paper payment order outside Volksbank CZ | 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.
2.3.3 Standing orders
| Transaction | in CZK or equivalent |
|---|---|
| Standing order, SIPO, permitted direct debit - in paper form | |
| estabilishing | free of charge |
| change/cancellation | 50,– |
| Standing order - domestic, SIPO, permitted direct debit - electronically/Phone banking | |
| establishing/change/cancelling | free of charge |
2.3.4 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 Volksbank CZ 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)/via Infoterminal | 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.
2.4 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.
2.4.1 Incoming payments
| Transaction | in CZK or equivalent |
|---|---|
| Incoming payment of BEN/SHA type (Volksbank CZ 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 of OUR type and incoming payment within Volksbank | free of charge |
| Volksbank payment* | free of charge |
* 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)Incoming and outgoing payment in CZK to/from Volksbank Slovensko (Slovakia)
2.4.2 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 Volksbank CZ 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,– |
* 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);
2.4.3 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 | 1000,- |
| Surcharge for urgent (priority) payment | 750,– |
| Confirmation of payment execution (SWIFT message) when presenting the payment order | 200,– |
| Confirmation of payment execution (SWIFT message) Confirmation of payment execution (Swift message) at the Client’s request after presenting the payment orde | 300,- |
| 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 manual correction of incorect data or supplementing missing data in a payment order or amendment of data inserted in a wrog field | 150,- |
| Surcharge for executing a payment after cut-off time (upon previous agreement with the Bank)** | 500,– |
| Surcharge for elimination of an electronic payment order due to insufficient funds | 100,- |
| Account statement – SWIFT (monthly) | 500,- |
| Crediting a returned payment due to incorrect instructions by the Client | 300,– |
| Surcharge for NON-STP payment*** | 300,–/150,– |
| Surcharge for paper payment order (including transfer within Volksbank CZ) | 300,– |
| Standing orders | |
| Standing order (establishing/change/cancelling) | 200,- |
* 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.
*** Surcharge of CZK 300,- : 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.
2.5 Charge tariffs
| Transaction | in CZK or equivalent |
|---|---|
| Establishment/change/cancellation 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
Companies
3.Direct banking
Print the entire chapter Print current view Back to index3.1 Electronic banking
3.1.1 Internet banking
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage * | 100,– |
| Cancelling the service | free of charge |
| One-off charge for activation of safety token | 250,– |
| One-off charge for handing over the Security envelopes | free of charge |
| One-off charge for activation | free of charge |
| Renewal of security data | 150,– |
| New token release by reason of expiration | free of charge |
| New token release by reason of loss or alienation | 450,– |
The fees include administration of any selected number of accounts for one client (legal entity) held with Volksbank CZ, a.s.
* The fee is charged from the month after the contract has became effective.
3.1.2 Homebanking
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage* | 250,– |
| One-off charge for Gemini software (including installation and training)** | 3.000,– |
| additional user station | 1.500,– |
| One-off charge for activation of safety token | 250,- |
| One-off charge for issuance of safety envelopes | free of charge |
| Renewal of signature certificate / safety data | 150,– |
| Other services (repeated training for Gemini software / reinstallation at client's place upon their request) | 1.000.- per hour of work |
| Cancellation of the service | free of charge |
* The fee is payable from the month following the month when the contract has became effective.
** Valid only within the Czech Republic.
3.1.3 Multicash
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage* | 1.000,– |
| One-off charge for installation | 7.000,– |
| One-off charge for activation | 3.000,– |
| Other services (repeated training reg. software MultiCash/reinstallation at Client´s place based on his/her request) | 1.000.- per hour of work |
| Cancellation of the service | free of charge |
* The fee is payable from the month following the month when the contract has became effective.
3.1.4 SMS/email messages
| Transaction | in CZK or equivalent |
|---|---|
| Sending an SMS informing of the regular balance | free of charge |
| Sending an SMS informing of the login into internet banking | 2,50 |
| Sending an SMS informing of the change of balance | 2,50 |
| Sending an SMS informing of the unauthorized overdraft | 2,50 |
| Sending an SMS informing of the incoming transaction | 2,50 |
| Sending an SMS informing of the outgoing transaction | 2,50 |
| Transaction | in CZK or equivalent |
|---|---|
| Sending an e-mail informing of the regular balance | free of charge |
| Sending an e-mail informing of the login into internet banking | free of charge |
| Sending an e-mail informing of the change of balance | free of charge |
| Sending an e-mail informing of the unauthorized overdraft | free of charge |
| Sending an e-mail informing of the incoming transaction | free of charge |
| Sending an e-mail informing of the outgoing transaction | free of charge |
3.2 Phone banking
3.2.1 Phone banking
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage * | 49,– |
| Cancelling the service | free of charge |
| Renewal of security data | 150,– |
* The fee is charged from the month after the contract has became effective.
Companies
4.Payment cards
Print the entire chapter Print current view Back to index4.1 Debit cards
4.1.1 Debit card maintenance (monthly fee)
| Transaction | in CZK or equivalent |
|---|---|
| Business debit card* | |
| Maestro | 30,– |
| MasterCard Standard | 60,– |
| MasterCard Business | 200,– |
| MasterCard Gold | 400,– |
| VISA Electron | 30,– |
| VISA Classic | 60,– |
| VISA Business | 200,– |
| VISA Gold | 400,– |
* The fee is booked on the last working day of a calendar month.
4.1.2 Debit card transactions
| Transaction | in CZK or equivalent |
|---|---|
| ATM cash withdrawal with Maestro / MasterCard/ VISA card | |
| Volksbank ATM in the Czech Republic | 4,– |
| CSOB ATM in the Czech Republic | 8,– |
| other bank or other company ATM in the Czech Republic | 35,– |
| ATM abroad | 75,- + 0,5% of the amount |
| ATM abroad by Holiday card (business) | 75 + 0.5% of amount |
| Cash Advance | |
| Czech Republic | 1 % min. 50,– |
| abroad | 180,– + 1 % |
| Noncash settlement for goods and services | free of charge |
4.1.3 Others
| Transaction | in CZK or equivalent |
|---|---|
| Card issue | free of charge |
| Forgotten PIN – mailing | 200,– |
| Limit change at the clienťs request | 100,– |
| Release of substitute cash abroad | 3.000,– |
| Issue of a substitute card abroad | 4.000,– |
4.2 Insurance to payment cards
Validity of insurance is fixed to validity of a card (transfer is not possible). Insurance Premium and Super actively not offered from 31.10.2011
| Transaction | in CZK or equivalent |
|---|---|
| Insurance for travelling abroad (yearly fee) | |
| Standard | 300,– |
| Standard Family | 900,– |
| Exclusive* | 1200,– |
| Exclusive Family | 2280,– |
| Gold** | 1800,– |
| Gold Family | 3000,– |
| Insurance for card loss / theft (yearly fee) *** | |
| Basic | 180,– |
| Classic | 480,– |
| Super | 840,– |
| Premium | 1080,– |
| Extra | 1440,– |
| D.A.S. legal protection insurance for drivers of motor vehicles (yearly fee)**** | 300,– |
The fee is booked on the last day of a calendar month in which a client applied for the payment card insurance.
* Insurance is automatically included with MasterCard Busines and VISA Business payment cards – included in card price.
** Insurance is automatically included with MasterCard Gold and VISA Gold payment cards – included in card price.
*** Insurance cannot be arranged with Maestro card.
**** Insurance is automatically included with Gold payment cards.
4.3 Diners Club payment cards
Fees for Diners Club payment cards follow current price list of Diners Club Czech s.r.o. company, available at our branches.
Companies
5.Loans
Print the entire chapter Print current view Back to index- Entrepreneur and Business loans
- VARIANT loan program (loan amount up to 1,2 mio. CZK, inclusive)
- VARIANT plus loan program (loan amount exceeding 1,2 mio. CZK)
- Guarantees
- Financing of operations – cession of claims
- Loan facility within the EU Program
- Valuation of real estate carried out by the Bank in connection with Loan application (applies to Corporate Clients and Entrepreneuns)
- Real estate financing (developer, project)
- Fees for failure and non-fulfilment of contractual conditions
5.1 Entrepreneur and Business loans
| Transaction | in CZK or equivalent |
|---|---|
| Acceptance and evaluation of loan application | free of charge |
| Loan processing | 1,5% of the loan amount; min. 7.500,– |
| Administration of limits with a multi-purpose line (monthly) | 150,– |
| Loan administration (yearly) | |
| loans with maturity over 1 year up to 9 mil. CZK | 5.000,- |
| loan with maturity over 1 year exceeding 9 mil. CZK | 15.000,- |
| Fee for prolongation of an operating credit provided for a definite period of time | 1 % of the loan amount; min. 5.000,– |
| Fee from the undrawn overdraft credit limit | 0,9 % of the undrawn part of the loan |
| Amendment of contractual conditions at the clienťs request (for each amendment) | |
| amendment of loan amount | 11,5 % of the amendment amount, min. 5.000,– |
| other amendments | 0,25 % of the loan amount, min 2.000,- max 10.000,– |
| Fee for provision of Land register abstract | CZK 200,- + 20 % VAT (For Land registry abstracts in the extent from 1 to 3 pages; for each subsequent page (i.e. 4th and each subsequent), the fee booked is 70 CZK + 20 % VAT) |
5.2 VARIANT loan program (loan amount up to 1,2 mio. CZK, inclusive)
5.2.1 Investment loan
| Transaction | in CZK or equivalent |
|---|---|
| Processing of a loan | 0,75% of the loan amount, min.3.000,– |
| Change of conditions at the clienťs request | 8.000,– |
| Maintenance of loan (monthly) | 250,– |
| Fee for having the funds ready | 0,90 % of the undrawn loan amount |
5.2.2 Overdraft loan
| Transaction | in CZK or equivalent |
|---|---|
| Loan processing | 0,50 % of the loan amount, min. 3.000,– |
| Loan administration (yearly) | 3.000,– |
| Change of conditions at the clienťs request | 8.000,– |
| Maintenace of a current account with an overdraft loan (monthly) | 250,– |
| Fee from the undrawn overdraft credit limit | 0.9% of the undrawn part of the loan |
5.2.3 Bank guarantee
| Transaction | in CZK or equivalent |
|---|---|
| Processing of Frame application | 0,50 % of the frame amount, min. 3.000,– |
| Administration of the frame (yearly) | 3.000,– |
| Change of conditions at the clienťs request | 8.000,– |
| Fee for issue of bank guarantee | 5.000,– |
| Guarantee commission | 3 % p.a. of the issued guarantee amount, min 1.500,- |
| Amendment in the guarantee at the clienťs request | 3.000,– |
5.3 VARIANT plus loan program (loan amount exceeding 1,2 mio. CZK)
5.3.1 Investment loan, Combined - mortgage loan
| Transaction | in CZK or equivalent |
|---|---|
| Loan processing | 0,75 % of the loan amount |
| Change of conditions at the clienťs request | 8.000,– |
| Maintenance of loan (monthly) | 300,– |
| Fee for having the funds ready | 0,90 % of the undrawn loan amount |
5.3.2 Overdraft loan
| Transaction | in CZK or equivalent |
|---|---|
| Loan processing | 0,50 % of the loan amount |
| Loan administration (yearly) | 5.000,– |
| Change of conditions at the clienťs request | 8.000,– |
| Maintenace of a current account with an overdraft loan (monthly) | 300,– |
| Fee from the undrawn overdraft credit limit | 0,90 % of the undrawn loan amount |
5.3.3 Bank guarantee
| Transaction | in CZK or equivalent |
|---|---|
| Processing of Frame application | 0,50 % of the frame amount |
| Administration of the frame (yearly) | 5.000,– |
| Change of conditions at the clienťs request | 8.000,– |
| Fee for issue of bank guarantee | 5.000,– |
| Guarantee provision | 3 % p.a. of the issued guarantee amount, min. 1.500, – |
| Amendment in the guarantee at the clienťs request | 3.000,– |
5.4 Guarantees
| Transaction | in CZK or equivalent |
|---|---|
| Fee for issue of a Bank guarantee | 5.000,– |
| Administration fee for the bank guarantees (yearly) | |
| up to 9 mil. CZK | 5.000,– |
| above 9 mil. CZK | 15.000,– |
| Proposal of non-standard wording of a guarantee | 2.000,– |
| Guarantee commission | iindividually (calculated as % p.a. from the amount of the issued guarantee), min. 1.500,– |
| Amendment to the guarantee at the clienťs request | 3.000,– |
| Advice provision | 0,2% of the guarantee amount. min 1.000,- max 25.000,- |
| Collection commission | 0,2% of the guarantee amount. min 1.000,- max 25.000,- |
| Fee for SWIFT message | 100,– |
| Fees of correspondent banks | paid in full by client |
5.5 Financing of operations – cession of claims
| Transaction | in CZK or equivalent |
|---|---|
| Administration of cession of claims (monthly) | |
| claims submitted electronically | 1.000,– |
| claims submitted in paper form | 3.000,– |
5.6 Loan facility within the EU Program
| Transaction | in CZK or equivalent |
|---|---|
| Issue of a credit facility | 5.000,– |
5.7 Valuation of real estate carried out by the Bank in connection with Loan application (applies to Corporate Clients and Entrepreneuns)
| Transaction | in CZK or equivalent |
|---|---|
| Fee for real estate valuation for loans up to CZK 30.000.000 | |
| up-date of a supervision | 8.000,– |
| Fee for real estate valuation for loans exceeding 30.000.000 | |
| valuation | 20.000,– |
| up-date of an valuation | 12.000,– |
5.8 Real estate financing (developer, project)
| Transaction | in CZK or equivalent |
|---|---|
| Acceptance and evaluation of loan application | free of charge |
| Loan processing | individually |
| Fee for reservation of funds | individually |
| Change of contractual conditions at the client's request | individually |
| Administration and maintenance of an account | individually |
| Real estate valuation for loans over 30 mil. CZK | free of charge |
5.9 Fees for failure and non-fulfilment of contractual conditions
| Transaction | in CZK or equivalent |
|---|---|
| Fee for sending a reminder (warning) | 1.000,– |
| Withdrawal from the contract by reason of failure to pay the loan | 1.000,– |
Companies
6.Documentary payments
Print the entire chapter Print current view Back to index- Buyer's Documentary Letter of Credit
- Supplier’s Documentary Letter of Credit
- Import Documentary Letter of Credit
- Export Documentary Letter of Credit
- Documentary Collections
- Other
6.1 Buyer's Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Issuance of pre-advice of L/C | 500,– |
| Opening of L/C | 0,1 % for each commenced month, min. 1.000,– |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents | 0,2 % min. 1 000,– |
| Deferred payment | 0,1 % for each 30 day period commenced, min. 1 000,– |
| Non-utilization of L/C | 500,– |
| Faults in documents on the account of a supplier | 1.000,– |
6.2 Supplier’s Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Pre-advice of L/C | 500,– |
| Advice of L/C | 0,2 % min. 1.000,– |
| Confirmation of L/C, increase and/or prolongation of a confirmed L/C | individually |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents/ payment of L/C | 0,2 % min. 1.000,– |
| Deferred payment – only at confirmed L/Cs | individually |
| Cancellation of L/C | 500,– |
| Transfer of L/C | 0,25 % min. 1.000,– |
| Transfer of L/C yield in favour of client‘s account at another bank | 500,– |
| Promise of assignment of L/C yield | 1.000,– |
6.3 Import Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Issuance of pre-advice of L/C | 500,– |
| Opening of L/C | 0,3 % min. 3 000,– for the 1st quarter; 0,1 % min. 1 000,– then for each month commenced |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents/ payment of L/C | 0,3 % min. 1.000,– |
| Deferred payment, acceptance of a bill | 0,15 % min. 1 000,– for each month commenced |
| Non-utilization of L/C | 1.000,– |
| Release of goods consigned to the bank | 1.000,– |
| Faults in documents on the account of a supplier | |
| in USD | USD 70,– |
| in EUR | EUR 50,– |
6.4 Export Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Pre-advice of L/C | 500,– |
| Advice of L/C | 0,2 % min. 1.000,– |
| Confirmation of L/C, increase and/or prolongation of a confirmed L/C | individually |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents/ payment of L/C | 0,3 % min. 1.000,– |
| Deferred payment, accepting bill of exchange - for confirmed L/Cs only | individually |
| Cancellation of L/C | 500,– |
| Transfer of L/C | 0,25 % min. 1.000,– |
| Transfer of L/C yield in favour of client‘s account with another bank | fees are stated in chapter 2.3 Noncash foreign payments |
| Promise of assignment of L/C yield | 1.000,– |
6.5 Documentary Collections
| Transaction | in CZK or equivalent |
|---|---|
| Collection processing | 0,2 % min. 1.000,– max. 20.000,– |
| Release of goods consigned to the bank | 1.000,– |
| Security of bill acceptance | 500,– |
| Amendment of collection instructions | 500,– |
| Security of bill protest | 1.000,- and actual notary fees |
6.6 Other
| Transaction | in CZK or equivalent |
|---|---|
| SWIFT message | 100,– |
| Fee for administration of the frame for letters of credit (annually) | |
| up to 9 mil. CZK | 5.000,– |
| over 9 mil. CZK | 15.000,– |
Companies
7.Investments
Print the entire chapter Print current view Back to index7.1 Certificates
7.1.1 Investment certificates with fixed maturity date (guaranteed, airbag/bonus and other non-leverage certificates)
| Transaction | in CZK or equivalent |
|---|---|
| Emissions of Volksbank AG (OTC) | |
| purchase | according to the conditions determined for an individual emission |
| sale | free of charge |
| maturity (for maturity certificates) | free of charge |
| coupon payment | free of charge |
| Emissions traded on public markets | |
| purchase or sale | 1,25 % |
| maturity | 0,3% of the transaction volume, min. EUR 1,50, max. EUR 50,- |
| coupon payment | fees of foreign administrators (custodian)= 0,30% of the transaction volume, min. EUR 1.50, max. EUR 50,– |
7.1.2 Investment certificates without maturity date (index certificates and other non-leverage certificates)
| Transaction | in CZK or equivalent |
|---|---|
| Purchase or sale | 1,25 %, min. EUR 38,– |
7.2 Bonds
| Transaction | in CZK or equivalent |
|---|---|
| Purchase or sale | 0,60% + costs of third parties |
| Bonds maturity | |
| domestic | free of charge |
| foreign | fees of foreign administrators (custodian)= 0,30% of the transaction volume, min. EUR 1.50, max. EUR 50,– |
| Coupon payments | |
| bonds or mortgage bonds issued by Volksbank CZ | free of charge |
| domestic | free of charge |
| foreign | fees of foreign administrators (custodian)= 0,30% of the transaction volume, min. EUR 1.50, max. EUR 50,– |
7.3 Funds
7.3.1 Mutual Funds of Volksbank Invest, ING Investment Management, HSBC
| Transaction | in CZK or equivalent |
|---|---|
| Purchase of share certificates | |
| Money Funds | |
| 30 000 up to 299 000 CZK | 0,75 % |
| 300 000 up to 999 999 CZK | 0,50 % |
| 1 000 000 CZK and more | 0,35 % |
| Bond Funds* | |
| 30 000 up to 299 000 CZK | 2,00 % |
| 300 000 up to 999 999 CZK | 1,75 % |
| 1 000 000 CZK and more | 1,50 % |
| Shares Funds* | |
| 30 000 up to 299 000 CZK** | 3,75 % |
| 300 000 up to 999 999 CZK | 3,00 % |
| 1 000 000 CZK and more | 2,75 % |
| Mixed, Guaranteed, Index, “Click” Funds | |
| 30 000 up to 299 999 CZK | 2,75 % |
| 300 000 up to 999 999 CZK | 2,50 % |
| 1 000 000 CZK and more | 2,25 % |
| Sale of share certificates | free of charge |
| Transfer of share certificates within the framework of one of the above mentioned investment companies ( fund change) | |
| change into a fund with higher sale fee | difference between higher and lower fee for purchase in given volume range (according to the amount of invested assets) |
| change into a fund with lower sale fee | free of charge |
| Dividend payment from mutual funds | free of charge |
* Minimal fee for purchase of Volksbank Invest Mutual Funds is EUR 10,-.
** Maximal fee for purchase of ING Investment Shares Funds denominated in EUR, USD and JPY is 3%.
7.3.2 Guaranteed Growth Funds of HSBC
| Transaction | in CZK or equivalent |
|---|---|
| Purchase of share certificates | free of charge |
| Sale of share certificates before maturity | 1,50 % |
| Transfer between guaranteed growth funds of HSBC | free of charge |
| Maturity of share certificates | free of charge |
7.3.3 ETF (Exchange Traded Funds)
| Transaction | in CZK or equivalent |
|---|---|
| Emissions traded on public markets | |
| purchase or sale | 1,25 %, min. EUR 50,– |
7.3.4 Other Mutual Funds
| Transaction | in CZK or equivalent |
|---|---|
| Purchase of share certificates | information on request according to a concrete requirement |
| Sale of share certificates | EUR 16,– |
7.4 Shares
| Transaction | in CZK or equivalent |
|---|---|
| Purchase or sale | |
| Czech Republic | 1,25 %, min. CZK 100,– |
| EU EMU (European Monetary Union) | |
| Finland, France, Netherlands, Italy, Luxembourg, Germany, Portugal, Austria, Slovenia, Spain | 1,25 %, min. EUR 38,– |
| Europe – other countries | |
| Denmark | 1,25 %, min. DKK 300,– |
| Hungary | 1,25 %, min. HUF 20.000,– |
| Norway | 1,25 %, min. NOK 300,– |
| Poland | 1,25 %, min. PLN 330,– |
| Russia | 1,25 %, min. EUR 100,– |
| Greece | 1,25 %, min. EUR 150,– |
| Sweden | 1,25 %, min. SEK 350,– |
| Switzerland | 1,25 %, min. CHF 60,– |
| Bulgaria, Croatia, Romania, Estonia, Lithuania, Latvia, Ukraine | 1,50 %, min. EUR 100,– |
| Great Britain | 1,25 %, min. GBP 50,– + 0,50 % Stamp duty at purchase |
| Other countries | |
| Australia | 1,25 %, min. AUD 200,– |
| Hong-Kong | 1,25 %, min. HKD 1.000,– |
| Canada | 1,25 %, min. CAD 100,– |
| USA | 1,25 %, min. USD 50,– |
| other countries | provided on request |
| Dividend payment | |
| domestic | free of charge |
| foreign | fees of foreign administrators (custodian)= 0,30% of the transaction volume, min. EUR 1.50, max. EUR 50,– |
| Shares split, reverse split, change of nominal value, decrease of basic capital | free of charge |
7.5 Other
7.5.1 Securities Trading
| Transaction | in CZK or equivalent |
|---|---|
| Submission of an order | free of charge |
| Change of order parameters | free of charge |
| Cancellation of an order | free of charge |
7.5.2 Aministration of Securities
| Transaction | in CZK or equivalent |
|---|---|
| Keeping depot securities - report annually depot | 0,2% p.a. min. CZK 200,-/depot (including 20% DPH) |
| Annual depot statement, extraordinary depot statement | free of charge |
| Custody transfers | |
| domestic | |
| transfer to the depot | free of charge |
| transfer from the depot | CZK 1.000,–/ transactions + costs of third parties (information is available upon the request, according to the particular requirement) |
| foreign | |
| transfer to depot | free of charge |
| transfer from depot | EUR 40,–/ transaction + costs of third parties (information on request according to a concrete requirement) |
| Subscription for newly issued shares | according to a fee on the market, on which the subscribed title is traded |
| Purchase/sale of rights (option of current shareholders at increase of basic capital) | according to the market, on which the rights are traded |
| Foreign exchange conversions connected with purchase/sale of securities | exchange rate of foreign currency purchase/sale according to the current exchange rate list of Volksbank CZ valid on the date of realization of trade |
Companies
8.Other banking services
Print the entire chapter Print current view Back to index8.1 Cheques
| Transaction | in CZK or equivalent |
|---|---|
| Traveler's cheques | |
| Purchase and sale of traveller’ s cheques | 2 % min. 300,– |
| Surcharge for each cheque | 10,– |
| Cashing a cheque issued by another bank (only for clients of Volksbank CZ) | |
| Crediting an account with the cheque | 1 % min 500,- max. 2.000,- + other bank charges |
| Return of unpaid cheque | 500,– + fee of other bank |
| Cashing a pension sent repeatedly by cheque | 150,– |
| Client cheques of Volksbank CZ | |
| Issue of a Volksbank CZ, a.s. Client cheque | 3,– |
| Cashing a Client cheque of Volksbank CZ, a.s. – on account | |
| drawn in CZK (with transfer to an account held with another bank) | 1 % min. 100,– max. 1.700,– |
| drawn in foreign currency (with transfer to an account held with another bank) | 0,5 % min. 50,– max. 300,– |
| Cashing a cheque in CZK | |
| Via transfer to an account at another bank in the Czech Republic | 1 % min. 100,– max. 1.000,– |
| Via transfer to a client’s account at Volksbank CZ | 50,– |
| Cashing a cheque in cash | |
| up to CZK 250.000 | 45,– |
| exceeding CZK 250.000 | 0,1 % z částky, max. 2.000,– |
| Dishonour of Client cheque for the reason of insufficient cover | 2.000,– |
| upon its submission at Volksbank CZ, cash desk | free of charge |
| Banker´s cheques | |
| Issue of Bank cheque drawn by Österreichische Volksbanken AG | 0,5 % min. 500,– max. 5.000,– |
| surcharge for a cheque issued in USD | 300,– |
| surcharge for a cheque issued urgently | 500,– |
| Cashing a bank cheque of correspondent banks payable with Volksbank | 1 % min. 100,- max. 1.000,- |
| Others | |
| Recall of a cheque | 300,– |
| Stop payment | 300 + telecommunication costs |
| Return of not used cheque (crediting an account with the amount) | 300,- + fees of the correnspond. Bank |
8.2 Banking Information
| Transactions | in CZK or equivalent |
|---|---|
| Provision of banking information about Volksbank CZ, a.s. client | |
| at their own request | 1.000,– (+ 20 % VAT) |
| at their own request for the purposes of audit | 2.000,– (+ 20 % VAT) |
| Provision of banking information about a client of another bank – to client of Volksbank CZ. a.s. | compensation of real costs + 1.000,- (+ 20% VAT) per one query |
8.3 Safe deposit boxes
| Transaction | in CZK or equivalent |
|---|---|
| They are installed only in selected branches. Fees for renting safe deposit boxes (including 20% VAT) are available at respective branches | |
| Deposit for release of two keys | 2.000,– |
| Sending a reminder to pay the rent | 100,- (+ 20% VAT) |
| Deposit of not collected content of the safe deposit box | 5000,- yearly + VAT |
| Fee for not vacating the safe box after termination of the contractual relationship | according to real costs in connection with the vacation of the safe deposit box |
8.4 Day and night depositories
| Transaction | in CZK or equivalent |
|---|---|
| Deposit for release of depository case and keys. | 3.000,– |
8.5 Other
8.5.1 Fees for services not mentioned in the List of fees
| Transaction | in CZK or equivalent |
|---|---|
| For services not mentioned in the List of fees* | 200,- for each commenced 15 minute period of work |
| Crediting interests, transfer of deduction tax, booking prices for services | free of charge |
| Fee for execution | 150,- |
* In case that the services are not part of financial activities pursuant to Act no. 235ˇ2004 Coll., on Value Added Tax, the Bank shall book 20 % VAT.
8.5.2 Joint provisions
Other fees not mentioned in this List of fees shall be communicated to You at branches of Volksbank CZ, a.s., upon Your request. Should you have any questions, please contact Your Consultant at Your branch.
Apart from this fees mentioned in this List of fees, Volksbank CZ, a.s. shall book to the debit of a Client possible costs charged by foreign and domestic banks or other organizations that have arisen in connection with operations carried out at the Client request, unless agreed in specific cases otherwise.
Volksbank SHOP
1.Current accounts and deposits
Print the entire chapter Print current view Back to index1.1 Current accounts
1.1.1 Current account
| Transaction | in CZK or equivalent |
|---|---|
| Account statement (per statement) | |
| Copy of an account statement, copy of Debit/Credit Advice | |
| Issuing Confirmation of the balance on the account | 1.000,– |
| Blocking an account at the Client request | 200,– |
| Blockage of payment of deposit products |
1.1.2 Active Account, Active Account PLUS
Valid also for AKTIV account PLUS – Active offer terminated
| Transaction | in CZK or equivalent |
|---|---|
| Opening of an account | free of charge |
| Maintenance of an account (monthly)* | 9,– |
| Cancelling of an account | free of charge |
| Change in the account structure at the clienťs request | free of charge |
* The fee replaces fees for maintenance of individual products which are included in the account. No fee is charged for accounts opened before 9 August 2010.
AKTIV account includes these products and services:
-
maintenance of an account in CZK including an overdraft loan (overdraft loan is provided based on Client financial standing evaluated by the Bank)
-
payment card maintenance (international debit personal card VISA Electron)
-
maintenance of direct banking service ( Internet banking or Phone banking)
1.2 Savings accounts
1.2.1 Currrent savings account
| Transaction | in CZK or equivalent |
|---|---|
| Maintenance of an account (monthly) | free of charge |
| Monthly fee for usage of Internet banking service* | free of charge |
| Outgoing payment** | |
| made via electronic banking |
* The fee stated is being charged if the Internet banking service has been arranged to the Investment current account.
** The above mentioned fee amount applies for transactions carried out via Current savings account. Entries are booked on the last working day of a calendar month. Other fees not mentioned above follow relevant chapters of the List of Fees
1.3 Term deposits
| Transactions | in CZK or equivalent |
|---|---|
| Establishment of a term deposit | free of charge |
| Renewal of revolving term deposit | free of charge |
| Cancellation of a term deposit | free of charge |
1.4 Others
| Transaction | in CZK or equivalent |
|---|---|
| Interest rate for unauthorised overdrafts on current accounts | 25 % p.a. |
Volksbank SHOP
2.Payments
Print the entire chapter Print current view Back to index2.1 Cash payments
Operations can be carried out only in standard Volksbank CZ branch network.
| Transaction | in CZK or equivalent |
|---|---|
| Cash deposit | free of charge |
| Unsorted banknotes - surcharge for cash deposit exceeding CZK 500 000 within one day | 0,1 % of the amount deposited, max 1.000,- |
| Deposit into account held with another financial institution | 2 % min. 1.000,– |
| Unannounced withdrawal exceeding CZK 250.000 | 1.000,– |
| Failure to collect advised withdrawal above CZK 250.000 | 0,3 % min. 500,– |
2.2 Foreign exchange operations
Operations can be carried out only in standard Volksbank CZ branch network.
| Transaction | in CZK or equivalent |
|---|---|
| Purchase / sale of foreign currency in cash | free of charge |
2.3 Domestic noncash payments
2.3.1 Incoming payments
| Transaction | in CZK or equivalent |
|---|---|
| Incoming payment within Volksbank CZ | free of charge |
The entries are charged on the last business day of a calendar month.
2.3.2 Outgoing payments
| Transaction | in CZK or equivalent |
|---|---|
| Outgoing payment made via electronic banking or generated by system* | |
| entry within Volksbank CZ (including entries in a standing order and accepted direct debit) | free of charge |
| Outgoing payment made via Phone banking | |
| Outgoing payment submitted on paper payment order | |
| entry on standard and non-standard paper payment order within Volksbank CZ | free of charge |
| entry on non-standard paper payment order outside Volksbank CZ | 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.
2.3.3 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 Volksbank CZ 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)/via Infoterminal | 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.
2.4 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.
2.4.1 Incoming payments
| Transaction | in CZK or equivalent |
|---|---|
| Incoming payment of BEN/SHA type (Volksbank CZ 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,– |
| Volksbank payment* | free of charge |
* 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)Incoming and outgoing payment in CZK to/from Volksbank Slovensko (Slovakia)
2.4.2 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 Volksbank CZ 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,– |
* 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);
2.4.3 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,– |
| 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.
Volksbank SHOP
3.Direct banking
Print the entire chapter Print current view Back to index3.1 Electronic banking
3.1.1 Internet banking
| Transaction | in CZK or equivalent |
|---|---|
| Cancelling the service | free of charge |
| One-off charge for activation of safety token | 250,– |
| One-off charge for handing over the Security envelopes | free of charge |
| One-off charge for activation | free of charge |
| Renewal of security data | 150,– |
| New token release by reason of expiration | free of charge |
| New token release by reason of loss or alienation | 450,– |
The fees include administration of any selected number of accounts for one client (legal entity) held with Volksbank CZ, a.s.
3.2 Phone banking
3.2.1 Phone banking
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage * | |
| Cancelling the service | free of charge |
| Renewal of security data | 150,– |
* The fee is charged from the month after the contract has became effective.
Volksbank SHOP
4.Payment cards
Print the entire chapter Print current view Back to index4.1 Debit cards
4.1.1 Debit card maintenance (monthly fee)
The fee does not apply when Maestro/ VISA Electron payment cards are included in Aktiv account/ Aktiv account PLUS (one debit card).
4.1.2 Debit card transactions
| Transaction | in CZK or equivalent |
|---|---|
| ATM cash withdrawal with Maestro / MasterCard/ VISA card | |
| ATM abroad | 75,- + 0,5% of the amount |
| Cash Advance | |
| Czech Republic | 1 % min. 50,– |
| abroad | 180,– + 1 % |
| Noncash settlement for goods and services | free of charge |
4.1.3 Others
| Transaction | in CZK or equivalent |
|---|---|
| Card issue | free of charge |
| Forgotten PIN – mailing | 200,– |
| Limit change at the clienťs request | 100,– |
| Release of substitute cash abroad | 3.000,– |
| Issue of a substitute card abroad | 4.000,– |
Volksbank SHOP
5.Loans
Print the entire chapter Print current view Back to index- Overdraft loans
- Consumer loans
- Mortgage loans
- Fees for failure and non-fulfilment of contractual conditions
5.1 Overdraft loans
| Transaction | in CZK or equivalent |
|---|---|
| Overdraft processing within the Active Account, Active Account PLUS | free of charge |
| Change in the amount of an overdraft loan | free of charge |
5.2 Consumer loans
5.2.1 “Aktiv“ loan
| Transaction | in CZK or equivalent |
|---|---|
| Loan processing | 1% of the loan amount |
| Maintenance of a loan account (monthly) | 50,– |
| Loan account statement – delivery | free of charge |
| Change of conditions at the client’s request* | min. 500,– |
| Prematural payment of Consumer loan, with maturity over 1 year** | 1 % from the prematural amount |
| Prematural payment of Consumer loan, with maturity under 1 year*** | 0,5 % from the prematural amount |
* The fee also applies to extraordinary loan repayment (in full or in part).Fee applies to the contracts signed before or on 31.12.2010.
** Fee applies to the contracts signed from 1.1.2011
*** Fee applies to the contracts signed from 1.1.2011
5.3 Mortgage loans
Mortgage loans are offered in standard Volksbank CZ branch network
5.4 Fees for failure and non-fulfilment of contractual conditions
| Transaction | in CZK or equivalent |
|---|---|
| Fee for sending a reminder (warning) | |
| Withdrawal from the contract by reason of failure to pay the loan |
Volksbank SHOP
6.Other banking services
Print the entire chapter Print current view Back to index6.1 Banking Information
| Transactions | in CZK or equivalent |
|---|---|
| Provision of banking information about Volksbank CZ, a.s. client | |
| at their own request | 1.000,– (+ 20 % VAT) |
| at their own request for the purposes of audit | 2.000,– (+ 20 % VAT) |
| Provision of banking information about a client of another bank – to client of Volksbank CZ. a.s. | compensation of real costs + 1.000,- (+ 20% VAT) per one query |
6.2 Other
6.2.1 Fees for services not mentioned in the List of fees
| Transaction | in CZK or equivalent |
|---|---|
| For services not mentioned in the List of fees* | 200,- for each commenced 15 minute period of work |
| Crediting interests, transfer of deduction tax, booking prices for services | free of charge |
* In case that the services are not part of financial activities pursuant to Act no. 235ˇ2004 Coll., on Value Added Tax, the Bank shall book 20 % VAT.
6.2.2 Joint provisions
Fees listed in this List of fees replace respective fees in the “ List of fees for provision of financial and business services for Citizens“.
Fees according to the “List of fees for provision of financial and business services for Citizens“ apply to fees not listed in this List of fees.
Apart from this fees mentioned in this List of fees, Volksbank CZ, a.s. shall book to the debit of a Client possible costs charged by foreign and domestic banks or other organizations that have arisen in connection with operations carried out at the Client request, unless agreed in specific cases otherwise.
1.Current accounts and deposits
Print the entire chapter Print current view Back to index1.1 Current accounts
1.1.1 Current account
| Transaction | in CZK or equivalent |
|---|---|
| Opening/change/cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 150,– |
| Account statement (per statement)** | |
| electronic account statement(e-statement)/collection at Infoterminal | free of charge |
| by post upon turnover / weekly / monthly / quarterly*** / yearly*** | 35,– |
| Copy of an account statement, copy of Debit/Credit Advice | |
| statement for last 12 months/older than 12 months | 50,– |
| Infoterminal - fee for issuing the Infocard | free of charge |
| Issuing Confirmation of the balance on the account | 1.000,– |
| Fee for dispatch key (yearly) | 400,– |
| Blocking an account at the Client request | 200,– |
| Blockage of payment of deposit products | 500,- |
* The fee is booked on the last day of a calendar month.
** The standard method of statement hand out is electronic account statement (e-statement) or via Infoterminal. In case of accounts established before 31.10.2009, the method of statement hand out is agreed in the account contract. Fee is charged for each copy.
*** Term accounts only
1.1.2 Escrow account
| Transaction | in CZK or equivalent |
|---|---|
| Fee for an escrow account | 0, 5 % of the escrow account amount, min 3.000,- |
1.1.3 Account for Housing Associations and Homeowners Associations
| Transaction | in CZK or equivalent |
|---|---|
| Opening / change / cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | 129,- |
* The fee replaces fees for maintenance of individual products which are included in the account.
Account for Housing Associations and Association of Unit Owners includes these products and services:
-
maintenance of a current account in CZK with advantageous balance interest including an overdraft loan (overdraft loan is provided based on Client financial standing evaluated by the bank)
-
maintenance of a deposit current account for public sector
-
maintenance of a deposit product (term deposit or deposit bill of exchange)
-
maintenance of a payment card (international debit business card VISA Electron or VISA Classic or Maestro or MasterCard Standard)
-
maintenance of direct banking service (Internet banking or Homebanking – including installation or Phone banking)
-
current account monthly statement creation every current account
1.2 Term deposits
| Transactions | in CZK or equivalent |
|---|---|
| Establishment of a term deposit | free of charge |
| Maintenance of the term deposit | free of charge |
| Renewal of revolving term deposit | free of charge |
| Cancellation of a term deposit | free of charge |
| Premature withdrawal of founds from the term deposit / premature cancellation of the term deposit | individually |
1.3 Deposit bills
| Transaction | in CZK or equivalent |
|---|---|
| Drawing of a deposit bill of exchange | free of charge |
| Premature payment of a deposit bill of exchange | 1 % min. 1.000,– |
| Custody of deposit bill of exchange | free of charge |
1.4 Deposit accounts
1.4.1 Deposit current account for Public sector
| Transaction | in CZK or equivalent |
|---|---|
| Opening / cancellation of an account | free of charge |
| Maintenance of an account (monthly)* | |
| the account is maintained as the sole Client current account | 150,- |
| the account is maintained as the second (supplementary) Client account | free of charge |
* Entries are booked on the last working day of a calendar month.
1.5 Others
| Transaction | in CZK or equivalent |
|---|---|
| Interest rate for unauthorised overdrafts on current accounts | 25 % p.a. |
| Fee for reminder to settle debit balance on the account, Subsequent fine for not observing the contractual conditions | |
| first reminder | 100,- |
| second and each following reminder | 200,- |
| Subsequent fine for not observing the contractual conditions | 2.000,- |
| Infoterminal - loss of lent Infocard | 200,- |
2.Payments
Print the entire chapter Print current view Back to index- Cash payments
- Foreign exchange operations
- Domestic noncash payments
- Foreign noncash payments
- Charge tariffs
2.1 Cash payments
| Transaction | in CZK or equivalent |
|---|---|
| Cash deposit | free of charge |
| Unsorted banknotes - surcharge for cash deposit exceeding CZK 500 000 within one day | 0,1 % of the amount deposited, max 1.000,- |
| Surcharge for cash deposit in foreign currency (exceeding CZK 500,000 or equivalent) within one day | 0,1 % of the amount deposited, max 1.000,- |
| Deposit into account with Ceskomoravska stavebni sporitelna | 50,– |
| Deposit into account held with another financial institution | 2 % min. 1.000,– |
| Cash withdrawal* | 60,– |
| Surchage for cash withdrawal exceeding CZK 250.000 within one day | 0,2 % of the amount withdrawn |
| Unannounced withdrawal exceeding CZK 250.000 | 1.000,– |
| Failure to collect advised withdrawal above CZK 250.000 | 0,3 % min. 500,– |
| Fee for changing cash consisting of more than 100 notes or coins of the same nominal value, including recounting of coins | 1% min. 100,- CZK |
| Fee for changing cash consisting of more than 100 notes or coins of the same nominal value, including recounting of banknotes (only) | 0,1 % of the amount |
| Surcharge for cash withdrawal in foreign currency (except EUR,USD,GBP and CHF) | 0.5% of the withdrawn amount |
* Entries are booked on the last working day of a calendar month.
2.2 Foreign exchange operations
| Transaction | in CZK or equivalent |
|---|---|
| Purchase / sale of foreign currency in cash | free of charge |
| Purchase of damaged and preclusive foreign exchange | 8 % of the exchange rate „ foreign exchange purchase“ |
2.3 Domestic noncash payments
2.3.1 Incoming payments
| Transaction | in CZK or equivalent |
|---|---|
| Incoming payment within Volksbank CZ | free of charge |
| Incoming payment from another bank | 5,– |
The entries are charged on the last business day of a calendar month.
2.3.2 Outgoing payments
| Transaction | in CZK or equivalent |
|---|---|
| Outgoing payment made via electronic banking or generated by system* | |
| entry within Volksbank CZ (including entries in a standing order and accepted direct debit) | free of charge |
| one-off entry outside Volksbank CZ | 5,- |
| entry outside Volksbank CZ (including entries in a standing order, SIPO payments and accepted direct debit) | 6,– |
| Outgoing payment made via Phone banking | |
| entry within Volksbank CZ/oustside Volksbank CZ | 10,– |
| Outgoing payment submitted on paper payment order | |
| entry on standard and non-standard paper payment order within Volksbank CZ | free of charge |
| entry on standard paper payment order outside Volksbank CZ | 50,– |
| entry on non-standard paper payment order outside Volksbank CZ | 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.
2.3.3 Standing orders
| Transaction | in CZK or equivalent |
|---|---|
| Standing order, SIPO, permitted direct debit - in paper form | |
| estabilishing | free of charge |
| change/cancellation | 50,– |
| Standing order - domestic, SIPO, permitted direct debit - electronically/Phone banking | |
| establishing/change/cancelling | free of charge |
2.3.4 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 Volksbank CZ 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)/via Infoterminal | 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.
2.4 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.
2.4.1 Incoming payments
| Transaction | in CZK or equivalent |
|---|---|
| Incoming payment of BEN/SHA type (Volksbank CZ 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 of OUR type and incoming payment within Volksbank | free of charge |
| Volksbank payment* | free of charge |
* 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)Incoming and outgoing payment in CZK to/from Volksbank Slovensko (Slovakia)
2.4.2 Outgoing payments
Potential fees pursuant to section 2.3 do not apply for tranfers to/ from deposit accounts.
| 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 Volksbank CZ 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,– |
* 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);
2.4.3 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 | 1000,- |
| Surcharge for urgent (priority) payment | 750,– |
| Confirmation of payment execution (SWIFT message) when presenting the payment order | 200,– |
| Confirmation of payment execution (SWIFT message) Confirmation of payment execution (Swift message) at the Client’s request after presenting the payment orde | 300,- |
| 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 manual correction of incorect data or supplementing missing data in a payment order or amendment of data inserted in a wrog field | 150,- |
| Surcharge for executing a payment after cut-off time (upon previous agreement with the Bank)** | 500,– |
| Surcharge for elimination of an electronic payment order due to insufficient funds | 100,- |
| Account statement – SWIFT (monthly) | 500,- |
| Crediting a returned payment due to incorrect instructions by the Client | 300,– |
| Surcharge for NON-STP payment*** | 300,–/150,– |
| Surcharge for paper payment order (including transfer within Volksbank CZ) | 300,– |
| Standing orders | |
| Standing order (establishing/change/cancelling) | 200,- |
* 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.
*** Surcharge of CZK 300,- : 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.
2.5 Charge tariffs
| Transaction | in CZK or equivalent |
|---|---|
| Establishment/change/cancellation 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
3.Direct banking
Print the entire chapter Print current view Back to index3.1 Electronic banking
3.1.1 Internet banking
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage * | 100,– |
| Cancelling the service | free of charge |
| One-off charge for activation of safety token | 250,– |
| One-off charge for handing over the Security envelopes | free of charge |
| One-off charge for activation | free of charge |
| Renewal of security data | 150,– |
| New token release by reason of expiration | free of charge |
| New token release by reason of loss or alienation | 450,– |
The fees include administration of any selected number of accounts for one client (legal entity) held with Volksbank CZ, a.s.
* The fee is charged from the month after the contract has became effective.
3.1.2 Homebanking
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage* | 250,– |
| One-off charge for Gemini software (including installation and training)** | 3.000,– |
| additional user station | 1.500,– |
| One-off charge for activation of safety token | 250,- |
| One-off charge for issuance of safety envelopes | free of charge |
| Renewal of signature certificate / safety data | 150,– |
| Other services (repeated training for Gemini software / reinstallation at client's place upon their request) | 1.000.- per hour of work |
| Cancellation of the service | free of charge |
* The fee is payable from the month following the month when the contract has became effective.
** Valid only within the Czech Republic.
3.1.3 Multicash
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage* | 1.000,– |
| One-off charge for installation | 7.000,– |
| One-off charge for activation | 3.000,– |
| Other services (repeated training reg. software MultiCash/reinstallation at Client´s place based on his/her request) | 1.000.- per hour of work |
| Cancellation of the service | free of charge |
* The fee is payable from the month following the month when the contract has became effective.
3.1.4 SMS/email messages
| Transaction | in CZK or equivalent |
|---|---|
| Sending an SMS informing of the regular balance | free of charge |
| Sending an SMS informing of the login into internet banking | 2,50 |
| Sending an SMS informing of the change of balance | 2,50 |
| Sending an SMS informing of the unauthorized overdraft | 2,50 |
| Sending an SMS informing of the incoming transaction | 2,50 |
| Sending an SMS informing of the outgoing transaction | 2,50 |
| Transaction | in CZK or equivalent |
|---|---|
| Sending an e-mail informing of the regular balance | free of charge |
| Sending an e-mail informing of the login into internet banking | free of charge |
| Sending an e-mail informing of the change of balance | free of charge |
| Sending an e-mail informing of the unauthorized overdraft | free of charge |
| Sending an e-mail informing of the incoming transaction | free of charge |
| Sending an e-mail informing of the outgoing transaction | free of charge |
3.2 Phone banking
3.2.1 Phone banking
| Transaction | in CZK or equivalent |
|---|---|
| Monthly fee for usage * | 49,– |
| Cancelling the service | free of charge |
| Renewal of security data | 150,– |
* The fee is charged from the month after the contract has became effective.
4.Payment cards
Print the entire chapter Print current view Back to index4.1 Debit cards
4.1.1 Debit card maintenance (monthly fee)
| Transaction | in CZK or equivalent |
|---|---|
| Business debit card* | |
| Maestro | 30,– |
| MasterCard Standard | 60,– |
| MasterCard Business | 200,– |
| MasterCard Gold | 400,– |
| VISA Electron | 30,– |
| VISA Classic | 60,– |
| VISA Business | 200,– |
| VISA Gold | 400,– |
* The fee is booked on the last working day of a calendar month.
4.1.2 Debit card transactions
| Transaction | in CZK or equivalent |
|---|---|
| ATM cash withdrawal with Maestro / MasterCard/ VISA card | |
| Volksbank ATM in the Czech Republic | 4,– |
| CSOB ATM in the Czech Republic | 8,– |
| other bank or other company ATM in the Czech Republic | 35,– |
| ATM abroad | 75,- + 0,5% of the amount |
| ATM abroad by Holiday card (business) | 75 + 0.5% of amount |
| Cash Advance | |
| Czech Republic | 1 % min. 50,– |
| abroad | 180,– + 1 % |
| Noncash settlement for goods and services | free of charge |
4.1.3 Others
| Transaction | in CZK or equivalent |
|---|---|
| Card issue | free of charge |
| Forgotten PIN – mailing | 200,– |
| Limit change at the clienťs request | 100,– |
| Release of substitute cash abroad | 3.000,– |
| Issue of a substitute card abroad | 4.000,– |
4.2 Insurance to payment cards
Validity of insurance is fixed to validity of a card (transfer is not possible). Insurance Premium and Super actively not offered from 31.10.2011
| Transaction | in CZK or equivalent |
|---|---|
| Insurance for travelling abroad (yearly fee) | |
| Standard | 300,– |
| Standard Family | 900,– |
| Exclusive | 1200,– |
| Exclusive Family | 2280,– |
| Gold* | 1800,– |
| Gold Family | 3000,– |
| Insurance for card loss / theft (yearly fee) ** | |
| Basic | 180,– |
| Classic | 480,– |
| Super | 840,– |
| Premium | 1080,– |
| Extra | 1440,– |
| D.A.S. legal protection insurance for drivers of motor vehicles (yearly fee)*** | 300,– |
The fee is booked on the last day of a calendar month in which a client applied for the payment card insurance.
* Insurance is automatically included with MasterCard Gold and VISA Gold payment cards – included in card price.
** Insurance cannot be arranged with Maestro card.
*** Insurance is automatically included with Gold payment cards.
4.3 Diners Club payment cards
Fees for Diners Club payment cards follow current price list of Diners Club Czech s.r.o. company, available at our branches.
5.Loans
Print the entire chapter Print current view Back to index- Loans for Housing Associations and Homeowners Associations
- Guarantees
- Financing of operations – cession of claims
- Fees for failure and non-fulfilment of contractual conditions
5.1 Loans for Housing Associations and Homeowners Associations
| Transaction | in CZK or equivalent |
|---|---|
| Acceptance and evaluation of Loan application | free of charge |
| Loan processing * | individually |
| Maintenance of a loan account ( monthly) | 250,- |
| Administration of an overdraft loan (monthly) | 250,- |
| Change of conditions at the clienťs request (per each change) | 2.000,- |
| Real estate valuation | external valuation paid by the Client |
* The fee is payable on the date of signing the contract, applies also when the provided amount is not drawn in full.
5.2 Guarantees
| Transaction | in CZK or equivalent |
|---|---|
| Fee for issue of a Bank guarantee | 5.000,– |
| Administration fee for the bank guarantees (yearly) | |
| up to 9 mil. CZK | 5.000,– |
| above 9 mil. CZK | 15.000,– |
| Proposal of non-standard wording of a guarantee | 2.000,– |
| Guarantee commission | iindividually (calculated as % p.a. from the amount of the issued guarantee), min. 1.500,– |
| Amendment to the guarantee at the clienťs request | 3.000,– |
| Advice provision | 0,2% of the guarantee amount. min 1.000,- max 25.000,- |
| Collection commission | 0,2% of the guarantee amount. min 1.000,- max 25.000,- |
| Fee for SWIFT message | 100,– |
| Fees of correspondent banks | paid in full by client |
5.3 Financing of operations – cession of claims
| Transaction | in CZK or equivalent |
|---|---|
| Administration of cession of claims (monthly) | |
| claims submitted electronically | 1.000,– |
| claims submitted in paper form | 3.000,– |
5.4 Fees for failure and non-fulfilment of contractual conditions
| Transaction | in CZK or equivalent |
|---|---|
| Fee for sending a reminder (warning) | 1.000,– |
| Withdrawal from the contract by reason of failure to pay the loan | 1.000,– |
6.Documentary payments
Print the entire chapter Print current view Back to index- Buyer's Documentary Letter of Credit
- Supplier’s Documentary Letter of Credit
- Import Documentary Letter of Credit
- Export Documentary Letter of Credit
- Documentary Collections
- Other
6.1 Buyer's Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Issuance of pre-advice of L/C | 500,– |
| Opening of L/C | 0,1 % for each commenced month, min. 1.000,– |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents | 0,2 % min. 1.000,– |
| Deferred payment | 0,1 % for each 30 day period commenced, min. 1 000,– |
| Non-utilization of L/C | 500,– |
| Faults in documents on the account of a supplier | 1.000,– |
6.2 Supplier’s Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Pre-advice of L/C | 500,– |
| Advice of L/C | 0,2 % min. 1.000,– |
| Confirmation of L/C, increase and/or prolongation of a confirmed L/C | individually |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents/ payment of L/C | 0,2 % min. 1.000,– |
| Deferred payment – only at confirmed L/Cs | individually |
| Cancellation of L/C | 500,– |
| Transfer of L/C | 0,25 % min. 1.000,– |
| Transfer of L/C yield in favour of client‘s account at another bank | 500,– |
| Promise of assignment of L/C yield | 1.000,– |
6.3 Import Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Issuance of pre-advice of L/C | 500,– |
| Opening of L/C | 0,3 % min. 3 000,– for the 1st quarter; 0,1 % min. 1 000,– then for each month commenced |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents/ payment of L/C | 0,3 % min. 1.000,– |
| Deferred payment, acceptance of a bill | 0,15 % min. 1 000,– for each month commenced |
| Non-utilization of L/C | 1.000,– |
| Release of goods consigned to the bank | 1.000,– |
| Faults in documents on the account of a supplier | |
| in USD | USD 70,– |
| in EUR | EUR 50,– |
6.4 Export Documentary Letter of Credit
| Transaction | in CZK or equivalent |
|---|---|
| Pre-advice of L/C | 500,– |
| Advice of L/C | 0,2 % min. 1.000,– |
| Confirmation of L/C, increase and/or prolongation of a confirmed L/C | individually |
| Amendment of L/C conditions | 1.000,– |
| Acceptance of documents/ payment of L/C | 0,3 % min. 1.000,– |
| Deferred payment, accepting bill of exchange - for confirmed L/Cs only | individually |
| Cancellation of L/C | 500,– |
| Transfer of L/C | 0,25 % min. 1.000,– |
| Transfer of L/C yield in favour of client‘s account with another bank | fees are stated in chapter 2.3 Noncash foreign payments |
| Promise of assignment of L/C yield | 1.000,– |
6.5 Documentary Collections
| Transaction | in CZK or equivalent |
|---|---|
| Collection processing | 0,2 % min. 1.000,– max. 20.000,– |
| Release of goods consigned to the bank | 1.000,– |
| Security of bill acceptance | 500,– |
| Amendment of collection instructions | 500,– |
| Security of bill protest | 1.000,- and actual notary fees |
6.6 Other
| Transaction | in CZK or equivalent |
|---|---|
| SWIFT message | 100,– |
| Fee for administration of the frame for letters of credit (annually) | |
| up to 9 mil. CZK | 5.000,– |
| over 9 mil. CZK | 15.000,– |
7.Investments
Print the entire chapter Print current view Back to index7.1 Certificates
7.1.1 Investment certificates with fixed maturity date (guaranteed, airbag/bonus and other non-leverage certificates)
| Transaction | in CZK or equivalent |
|---|---|
| Emissions of Volksbank AG (OTC) | |
| purchase | according to the conditions determined for an individual emission |
| sale | free of charge |
| maturity (for maturity certificates) | free of charge < |