1.Current accounts and deposits

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1.1 Current accounts

1.1.1 Current account

Transaction in CZK or equivalent
Opening of an account free of charge
Maintenance of an account (monthly)* 150,–
Cancellation of an account free of charge
Account statement (per statement)**
takeover at Infoterminal free of charge
electronic statement (eVýpis) free of charge
by post upon turnover 35,–
by post weekly 35,–
by post monthly 35,–
by post quarterly 35,–
by post yearly*** 100,–
Copy of an account statement, copy of Debit / Credit Advice
statement for last 12 months 50,–
statement older than 12 months 150,–
Infoterminal 10,–
Account statement – SWIFT (monthly) 500,–
Issuing Confirmation of the balance on the account 1.000,–
Fee for dispatch key (yearly) 400,–
Blocking an account at the Client request 200,–
Fee for reminder to settle debit balance on the account
first reminder 100,–
second and each following reminder 200,–
Subsequent fine for not observing the contractual conditions 2.000,–
Standing order – domestic, SIPO, permitted direct debit – in paper form
establishing free of charge
change 50,–
cancelling 30,–
Standing order – domestic, SIPO, permitted direct debit - electronically
establishing free of charge
change free of charge
cancellation free of charge
Standing order – domestic, SIPO, permitted direct debit via Phone banking service
establishing free of charge
change free of charge
cancellation free of charge
Standing order – foreign
establishing free of charge
change 100,–
cancellation 100,–
Infoterminal
lending of Infocard free of charge
loss of lent Infocard 200,–

* The fee is booked on the last day of a calendar month.

** The standard method of statement hand out is 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.

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

Transaction in CZK or equivalent
Opening of an account free of charge
Maintenance of an account (monthly)* 169,–
Cancelling 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 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

  • lending a card enabling collection of statements via Infoterminal

1.1.4 EXPERT Account

Transaction in CZK or equivalent
Opening of an account free of charge
Maintenance of an account (monthly)* 269,–
Cancelling 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 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)

  • maintenance of a direct banking service /internet banking or Homebanking – including installation or Phone banking)

  • current account monthly statement creation every current account

  • lending a card enabling collection of statements via Infoterminal

1.1.5 Volksbank PRESTIGE Account

Transaction in CZK or equivalent
Opening of an account free of charge
Maintenance of an account (monthly)* 149,–
Cancelling 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 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

  • lending a card enabling collection of statements via Infoterminal

1.1.6 MEDI-account

Transaction in CZK or equivalent
Opening of an account free of charge
Maintenance of an account (monthly)* 199,–
Cancellation 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 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

  • lending a card enabling collection of statements via Infoterminal

  • 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)

  • lending a card enabling collection of statements via Infoterminal

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 of an account free of charge
Maintenance of an account (monthly) free of charge
Cancellation of an account free of charge
Monthly fee for usage of Internet banking service* free of charge
Outgoing payment**
made via electronic banking
entry outside the Bank (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 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,–

1.4 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

1.5 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
Blockage of payment of deposit products 500,–
Interest rate for unauthorised overdrafts on current accounts 25 % p.a.

2.Payments

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2.1 Cash payments

Transaction in CZK or equivalent
Cash deposit free of charge
Surcharge for cash deposit exceeding CZK 500.000 within one day 0,1 % of the amount deposited, max 1.000,-
Deposit into account with Ceskomoravska stavebni sporitelna 25,–
Deposit into account held with another financial institution 2 % min. 1.000,–
Cash withdrawal* 45,–
Surchage for cash withdrawal exceeding CZK 250.000 within one day 0,1 % of the amount withdrawn, max 2.000,–
Unannounced withdrawal exceeding CZK 250.000 1.000,–
Failure to collect advised withdrawal above CZK 250.000 0,3 % min. 500,–
Recounting of coins (over 100 pieces) 1 % min. 100,– max. 1.500,–
Fee for changing cash or manipulation with cash 100,–

* Entries are booked on the last working day of a calendar month.

2.2 Domestic noncash payments

2.2.1 Incoming payments

Transaction in CZK or equivalent
Incoming payment within the Bank free of charge
Incoming payment from another bank 6,–

The entries are charged on the last business day of a calendar month.

2.2.2 Outgoing payments

Transaction in CZK or equivalent
Outgoing payment made via electronic banking or generated by system*
entry within the Bank (including entries in a standing order and accepted direct debit) free of charge
entry outside the Bank (including entries in a standing order, SIPO payments and accepted direct debit) 4,–
Outgoing payment made via Phone banking
entry within the Bank 6,–
entry outside the Bank 6,–
Outgoing payment submitted on paper payment order
entry on standard and non-standard Volksbank CZ paper payment order within the Bank free of charge
entry on standard Volksbank CZ paper payment order outside the Bank 50,–
entry on non-standard paper payment order outside the Bank 75,–

The entries are charged on the last business day of a calendar month.

* Payment generated by system means a payment made based on application for establishing of standing order, SIPO and permitted direct debit handed over electronically, via phone or personally in branch.

2.2.3 Others

Transaction in CZK or equivalent
Surcharge for urgent (prior) payment 200,–
Recall of a payment order (entry) - upon previous agreement with the Bank*
before the due date free of charge
on the due date 150,–
Payment investigation outside the Bank at the Client request 250,–
Confirmation of payment execution 100,–
Advice of non-exection of a payment order due to insufficient account cover or payment order errors or illegibility (entry)
electronically (Internet banking) free of charge
via Intoterminál** free of charge
by post 50,–
Change of a payment order due date 150,–

* Recalls and amendments to payment orders cannot be made via Phone banking.

** The Infoterminal allows the advice printing of non-exection of a payment order due to insufficient account cover (other advice types are sent to client via post).

2.3 Foreign noncash payments

The Bank reserves the right to stipulate an exchange rate according to the current interbank market when booking incoming and outgoing payments and transfers within the Bank for amounts exceeding CZK 1 mil.

2.3.1 Incoming payments

Transaction in CZK or equivalent
Incoming payment of BEN/SHA type (Volksbank charges paid by the beneficiary)
from abroad in FX or in CZK 0,5 % min. 100,– max. 750,–
from another domestic bank in FX 0,5 % min. 100,– max. 750,–
from another domestic bank in CZK to FX-account 0,5 % min. 100,– max. 750,–
Incoming payment within the Bank free of charge
Volksbank payment* free of charge
Crediting the returned payment 300,–

* Volksbank-payment means : (1) „Volksbank-Transfer“ – incoming and outgoing payment in EUR to/from the following banks: Österreichische Volksbanken AG and all Austrian Volksbanks, Investkreditbank Wien, Volksbank d.d. (Croatia), Volksbank BH d.d. (Bosnia and Herzegovina), Volksbank Romania (Romania), Volksbank a.d. (Serbia), Volksbank Malta Lt. (Malta), Volksbank Slovensko (Slovakia), Magyarorszagi Volksbank Rt. (Hungary), Volksbank - Ljudska Banka d.d. (Slovenia), Electronbank (Ukraine); (2)Incomining and outgoing payment in CZK to/from Volksbank Slovensko (Slovakia); (3) Incoming payment in EUR, CZK from Banca Popolare di Vicenza and from Banca Popolare dell Emilia Romagna.

2.3.2 Outgoing payments

Transaction in CZK or equivalent
Payment directed abroad in FX or in CZK (+ charges of other bank in case of OUR type payments ) 1 % min. 300,– max. 1.700,–
Payment to another domestic bank in FX (+ charges of other bank in case of OUR type payments) 1 % min. 300,– max. 1.700,–
Payment within the Bank and payment in CZK from an account held in foreign currency to an account held with another domestic bank 0,5 % min. 50,– max. 300,–
Volksbank payment* 200,–
Surcharge for NON-STP payment** 450,– / 150,–
Surcharge for paper payment order (including transfer within the Bank) 200,–

* Volksbank-payment means : (1) „Volksbank-Transfer“ – incoming and outgoing payment in EUR to/from the following banks: Österreichische Volksbanken AG and all Austrian Volksbanks, Investkreditbank Wien, Volksbank d.d. (Croatia), Volksbank BH d.d. (Bosnia and Herzegovina), Volksbank Romania (Romania), Volksbank a.d. (Serbia), Volksbank Malta Lt. (Malta), Volksbank Slovensko (Slovakia), Magyarorszagi Volksbank Rt. (Hungary), Volksbank - Ljudska Banka d.d. (Slovenia), Electronbank (Ukraine); (2)Incomining and outgoing payment in CZK to/from Volksbank Slovensko (Slovakia); (3) Incoming payment in EUR, CZK from Banca Popolare di Vicenza and from Banca Popolare dell Emilia Romagna.

** Surcharge of CZK 450,- : payment to EEC (regardless of currency and within the Czech Republic in foreign currency) without BIC indication (with the exception of SC for payments in GBP into UK) and valid IBAN indication and furthermore all other payments without indication of valid bank identification code (BIC or directional bank code, e.g. FW). Surcharge of CZK 150,- : for manual correction of incorrect data or supplementing missing data in a payment order or amendment of data inserted in a wrong field.

2.3.3 Others

Transaction in CZK or equivalent
Recall or amendment of a payment order (entry)*
before the due date free of charge
on the due date prior to its execution 200,–
payments executed upon client request or upon request of an intermediating bank 500,- + fee of the foreign bank
Surcharge for urgent (priority) payment 500,–
Confirmation of payment execution (SWIFT message) 400,–
Investigation, amendment of instructions or intermediating return of an executed payment 500,- + fee of the foreign bank
Advice of non-exection of a payment order (due to insufficient account cover or payment order errors or illegibility)
electronically (Internet banking) free of charge
by post 200,–
Surcharge for executing a payment after cut-off time (upon previous agreement with the Bank)** 500,–

* Recalls can be made upon previous agreement with the Bank. Recalls and amendmets to payment orders cannot be made via Phone banking.

** See the leaflet Terms in payment services.

2.4 Foreign exchange operations

Transaction in CZK or equivalent
Purchase of foreign currency in cash free of charge
Sale of foreign currency in cash free of charge
Purchase of damaged and preclusive foreign exchange 8 % of the exchange rate „ foreign exchange purchase“

2.5 Charge tariffs

Transaction in CZK or equivalent
Establishment of a tariff free of charge
Change of a tariff free of charge
Cancelling of a tariff free of charge

2.5.1 MEDIUM tariff

Transaction in CZK or equivalent
Tariff maintenance (monthly)* 9,–

* Tariff fee replaces charges for indicated number of executed transactions included in the tariff. Transactions performed in the course of a respective calendar month above the stipulated transaction limit are charged pursuant to the relevant chapters of this List of fees.

MEDIUM tariff includes these transactions:

  • 3 cash withdrawals from Volksbank CZ or CSOB ATMs

  • 3 ordinary domestic transactions made via direct banking

2.5.2 PREMIUM tariff

Transaction in CZK or equivalent
Tariff maintenance (monthly)* 29,–

* Tariff fee replaces charges for indicated number of executed transactions included in the tariff. Transactions performed in the course of a respective calendar month above the stipulated transaction limit are charged pursuant to the relevant chapters of this List of fees.

PREMIUM tariff includes these transactions:

  • 2 cash withdrawals from Volksbank CZ or CSOB ATMs

  • 10 ordinary domestic transactions made via direct banking

2.5.3 EXTRA tariff

Transaction in CZK or equivalent
Tariff maintenance (monthly) * 49,–

* Tariff fee replaces charges for indicated number of executed transactions included in the tariff. Transactions performed in the course of a respective calendar month above the stipulated transaction limit are charged pursuant to the relevant chapters of this List of fees.

EXTRA tariff includes these transactions:

  • 6 cash withdrawals from Volksbank CZ or CSOB ATMs

  • 14 ordinary domestic transactions made via direct banking

3.Direct banking

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3.1 Electronic banking

3.1.1 Internet banking

Transaction in CZK or equivalent
One-off charge for handing over the security token 250,–
One-off charge for handing over the Security envelopes free of charge
One-off charge for activation free of charge
The fees include administration of freely selected number of accounts owned by one Client (natural person or legal entity)
Monthly fee for usage *
entrepreneur 30,–
legal entity 100,–
Sending an email informing of the balance free of charge
Sending a SMS informing of the balance free of charge
Cancelling the service free of charge
Renewal of security data 100,–
New token release by reason of expiration free of charge
New token release by reason of loss or alienation 450,–

* The fee is charged from the month after the contract has became effective.

3.1.2 Homebanking

Transaction in CZK or equivalent
One-off charge for Gemini software (including installation and training)* 3.000,–
additional user station 1.500,–
Monthly fee for usage** 250,–
Renewal of signature certificate / safety data 100,–
Other services (repeated training for Gemini software / reinstallation at client's place upon their request) 1.000.- per hour of work

* Valid only within the Czech Republic.

** The fee is payable from the month following the month when the contract has became effective.

3.1.3 Multicash

Transaction in CZK or equivalent
The fees apply to one software installation which can administer freely selected number of accounts of more than one Client (legal entities or natural persons) held with Volksbank CZ, a.s.
One-off charge for installation 7.000,–
One-off charge for activation 3.000,–
Monthly fee for usage* 1.000,–

* The fee is payable from the month following the month when the contract has became effective.

3.2 Phone banking

3.2.1 Phone banking

Transaction in CZK or equivalent
The fees cover provision of an unlimited number of accounts of one client (for one individual only one or for one legal entity only) with Volksbank CZ, a. s.
One-off charge for activation free of charge
Monthly fee for usage * 39,–
Cancelling the service free of charge
Renewal of security data 100,–

* The fee is charged from the month after the contract has became effective.

4.Payment cards

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4.1 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 3,–
CSOB ATM in the Czech Republic 6,–
other bank or other company ATM in the Czech Republic 30,–
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,–
Card blocking due to suspicion of fraudelent usage from holder's side 2.000,–
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).

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.

5.Loans

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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 1,5 % of the amendment amount, min. 5.000,–
other amendments 0,25 % of the loan amount, min 2.000,- max 10.000,–

5.2 VARIANT loan program (loan amount up to 1,2 mio. CZK, inclusive)

The fees apply to products according to manual 3-09-039 Credit products below 1,2 mil. CZK within accelerated credit process

5.2.1 Investment loan, Combined-mortgage 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 a loan account (monthly) 250,–
Fee for reservation of funds 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)

The fees apply to products according to manual 3-09-031 Credit products over 1,2 mil. CZK within accelerated credit process

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 a loan account (monthly) 300,–
Fee for reservation of funds 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 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

5.5 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 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 600,–
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 350,–

5.8 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,–

5.9 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,–

6.Documentary payments

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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

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7.1 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%
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 VB Funds investment program (Volksbank Invest funds only)

Transaction in CZK or equivalent
Fee for purchase of a fund within the framework of an investment program max. 5 % (depends on a particular fund, information available upon request)
Investment fee (yearly) EUR 11,–
Administration fee 0,1% (including 20% VAT)
Additional statement, partial sale, contract termination free of charge

7.3.2 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%.

7.3.3 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

7.3.4 ETF (Exchange Traded Funds)

Transaction in CZK or equivalent
Emissions traded on public markets
purchase or sale 1,25 %, min. EUR 50,–

7.3.5 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
Administration of depot for securities – administration of depot annually 0,2% p.a., min. CZK 50,–/title, min. CZK 200,–/per depot (including 20 % VAT)
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 25,–/ 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

8.Other banking services

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8.1 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

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 1.000,–
Sending a reminder to pay the rent 100,- (+ 20% VAT)

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

* 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.