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Published: 14 February 2020
PUBLIC ANNOUNCEMENT –On commissions, fees and costs with regard to the HUF and foreign currency accounts
of the micro and small enterprise clientele
OTP Bank Plc., based on the conditions specified in the Corporate Division Business Regulations, classifies those sole traders, enterprises with legal personality and without legal personality,
foundations, organisations managing public donations, non-profit and other organisations not belonging to public service, whose product usage is limited to standard enterprise products only, and
whose total banking obligations does not exceed 250 million HUF. If the enterprise is a member of a company group, the value limit applies to the enterprises combined. Irrespective of these conditions,
condominiums and housing cooperatives also belong to this client base. The products covered by this public announcement belong to the standard enterprise product range of OTP Bank Plc.
Date of effect: 1 March 2020
OFFERS IN THIS PUBLIC ANNOUNCEMENT APPLY TO CONTRACTS CONCLUDED BEFORE 4 FEBRUARY 2013 -
OTP Bank Plc. does not conclude new contracts under the conditions in the public announcement.
Changes are shown in italics in the text.
The reason for modifying this Public Announcement is the changes of the fees of instant cash deposits through ATM due to the 2019 inflation rate.
Fees for instant cash deposits through ATM, in the Public Announcement, change—according to Paragraph (14) of I. General Provisions of the Debit Card Business Regulations—by the rate of the
annual consumer price index disclosed by the Hungarian Central Statistical Office for the previous year (3.4% in 2019).
OTP Bank Plc Page 1, total: 24
I. 3
I.1 3
I.2 4
I.3 8
I.4 10
II. 11
II.1 11
II.2 12
II.3 13
II.4 13
II.5 14
II.6 14
II.7 15
II.8 15
II.9 16
II.10 16
II.11 17
II.12 18
II.13 19
II.14 20
III. 21
Application of exchange rates related to payments turnover
ACCOUNT PACKAGES CONDITIONS
Comments and conditions relating to the application for an account package
General small enterprise account packages
OTPdirect Electra Terminal service
Customs cash desk service
Other services
Late payment of outstanding fees, commission and costs
Due date of fees, commissions and costs
Information on the general terms and conditions of the performance of the international HUF and foreign currency payments, as well as domestic foreign currency payments
REFERENCES
CONTENTS
Foreign currency cheque
Documentary transactions performance
Professional account packages
Condominium account packages
GENERAL PAYMENT CONDITIONS
Bank account keeping
Executing ad-hoc transfers, book transfers, collection and administrative orders, as well as transfer warrants
Crediting
Cash desk transactions
Standing, debit date specified and group transfers / collections
OTP Bank Plc Page 2, total: 24
I.
1.
1.
2.
3.
4.
5.
6.
7.
8.
ACCOUNT PACKAGES CONDITIONS
In case of fees and commissions not shown in chapter "Account packages conditions", the conditions detailed in chapter II (General payment conditions) apply to all account packages.
In case of recontracting to any bank account/account package, the commission, cost and fee conditions of the new bank account/account package are effective from the day following the recontracting, furthermore OTP Bank Plc.
ensures that the existing payment account number is kept, except the Bázis account package, for which OTP Bank Plc. requires a new current bank account agreement to be concluded, and generates a new current bank account
number.
Non-profit and other organisations and foundations may use any general enterprise account package included in the public announcement.
The fee for services marked with X in sections "Account package contents" are included in the monthly fee for the account package.
COMMENTS AND CONDITIONS RELATING TO THE APPLICATION FOR AN ACCOUNT PACKAGE
With respect to the preferences provided for the account packages, transactions completed as from 0:00 on the first day of the month to 24:00 on the last day of the month are considered, according to calendar month.
The cash desk deposit commission pertains to the banknote deposits. In case of depositing coins, this commission is in addition to the fee item listed in the “Public Announcement on the fee items for the distribution of banknotes and
coins".
If the monthly fee of any account package includes the annual fee for a debit card of certain type, it applies in all cases to the card first ordered for the account package.
If the monthly fee includes free of charge OTP ATM cash withdrawals, the free of charge treatment may be assigned to any debit card belonging to the account package.
OTP Bank Plc Page 3, total: 24
2.
SEPA transfers
1.122%, min. 578 HUF
0.056%, min. 232 HUF
1.122%, min. 578 HUF
1 pc HUF current account
MC Unembossed debit card annual fee
ACCOUNT PACKAGES CONTENTS
DESIGNATION
Free of charge OTP ATM cash withdrawal
Account keeping monthly fee
FEES AND COMMISSIONS
OTPdirekt monthly fee
Free of charge domestic HUF ad hoc transfer
Small enterprise BÁZIS account package
For non-profit
organisationsFor enterprises
With respect to the first annual card fee.
Small enterprise START account package
1.264% + 641 HUF
0.905%, min. 765 HUF, max. 122,068 HUF 0.429%, min. 437 HUF, max. 122,068 HUF 0.445%, min. 366 HUF, max. 122,068 HUF
0.905%, min. 765 HUF, max. 122,068 HUF 0.556%, min. 626 HUF, max. 122,068 HUF 0.445%, min. 366 HUF, max. 122,068 HUF
x
184 HUF/month
First 2 items in month, inter-bank, initiated through
OTPdirekt services (19)
.
x
x
In preferential period In non-preferential period
1,040 HUF/month
1,216 HUF/month
20 HUF/month 3,241 HUF/month
470 HUF/month
Domestic HUF and intra-bank foreign currency ad hoc transfers
0.30%, max. 6.000 HUF Intra-bank, through OTPdirekt services (18)
Intra-bank, initiated in a branch
0.445%, min. 366 HUF, max. 122,068 HUF
Inter-bank, through OTPdirekt services (18), (19) 0.445%, min. 366 HUF, max. 122,068 HUF
Statement sent with transaction frequency, in a paper
based format
The preferential conditions apply to the Start
account package opened newly and as first by the
client, up to 2 year account keeping history,
provided that the enterprise history of the client
does not exceed one year on the date when the
account is opened. In other cases (e.g. when
recontracting to Start account package irrespective
of the enterprise history of the client), the non-
preferential period conditions apply.
Cash withdrawal over the counter in HUF
0.905%, min. 765 HUF, max. 122,068 HUF
0.056%, min. 232 HUF
Via OTPdirekt services
Initiated in a branch
OTHER CONDITION
x
GENERAL ENTERPRISE ACCOUNT PACKAGES
First one / month
126 HUF/month
304 HUF/month
First one / month
x
x
3,941 HUF/month
Small enterprise STANDARD account
package
0.396%, min. 110 HUF, max. 122,068 HUF
0.396%, min. 110 HUF, max. 122,068 HUF
Inter-bank, initiated in a branch (19)
Statement sent with monthly frequency, in a paper based
format (1)
351 HUF/month 1,395 HUF/month
4,031 HUF/monthWith authenticated electronic bank account statement (2)
0.384%, min. 335 HUF,
max. 122,068 HUF
0.400%, min. 405 HUF, max. 122,068 HUF
0.429%, min. 437 HUF, max. 122,068 HUF
0.556%, min. 626 HUF, max. 122,068 HUF
0.373%, min. 335 HUF, max. 122,068 HUF
0.373%, min. 335 HUF, max. 122,068 HUF
0.905%, min. 765 HUF, max. 122,068 HUF
3,315 HUF/month
3,973 HUF/month4,351 HUF/month
0.582% + 641 HUFCash deposit over the counter in HUF
OTP Bank Plc Page 4, total: 24
Domestic HUF and intra-bank foreign currency ad hoc transfers
SEPA transfers
Small enterprise KOMFORT account
package
0.30%, max. 6.000 HUF
0.388%, min. 234 HUF, max. 122,068 HUF
OTHER CONDITION
Via OTPdirekt services 0.388%, min. 234 HUF, max. 122,068 HUF 0.388%, min. 234 HUF, max. 122,068 HUF
Initiated in a branch 0.547%, min. 234 HUF, max. 122,068 HUF 0.547%, min. 366 HUF, max. 122,068 HUF 0.445%, min. 366 HUF, max. 122,068 HUF
0.374%, min. 234 HUF,
max. 122,068 HUF
0.346%, min. 234 HUF,
max. 122,068 HUF
1 pc HUF current account
Preferential payment conditions
x
6,644 HUF/month
Preferential progressive tiered demand interest
x
Private banking account keeping
FEES AND COMMISSIONS
6,722 HUF/monthWith authenticated electronic bank account statement (2)
Intra-bank, through OTPdirekt services (18)
Statement sent with transaction frequency, in a paper based format
24,389 HUF/month
4,903 HUF/month
0.547%, min. 234 HUF, max. 122,068 HUF
Intra-bank, initiated in a branch
0.547%, min. 366 HUF, max. 122,068 HUF
0.388%, min. 234 HUF, max. 122,068 HUF
1.122%, min. 578 HUF
0.428%, min. 110 HUF, max. 122,068 HUF
x
x x
x
x
0.056%, min. 232 HUF
0.428%, min. 110 HUF, max. 122,068 HUF
Preferential securities account keeping
First 10 items in month, initiated through OTPdirekt
service.
x
with committing to annual debit account turnover
MC Unembossed debit card annual fee
ACCOUNT PACKAGES CONTENTS
x
OTPdirekt monthly fee
x
Min. 100 million HUFDESIGNATION
1.122%, min. 578 HUF
0.30%, max. 6.000 HUF
3,419 HUF/month
x
Account keeping monthly fee
Statement sent with monthly frequency, in a paper based
format (1)
x
110 Ft0.288%, min. 110 HUF,
max. 122,068 HUF
24,301 HUF/month
0.056%, min. 232 HUF
0.331%, min. 110 HUF, max. 122,068 HUF
Cash deposit over the counter in HUF
Inter-bank, initiated in a branch (19)
Cash withdrawal over the counter in HUF
x
Min. 250 million HUF
0.445%, min. 366 HUF, max. 122,068 HUF
Small enterprise E-account package
First 20 items in month, inter-bank, initiated through
OTPdirekt services (19)
.
1.122%, min. 578 HUF
7,830 HUF/month
x
0.374%, min. 234 HUF,
max. 122,068 HUF
0.346%, min. 234 HUF,
max. 122,068 HUF
Free of charge domestic HUF ad hoc transfer
x
Small enterprise GOLD account package
x
3,496 HUF/month
Inter-bank, through OTPdirekt services (18), (19)
0.056%, min. 232 HUF
25,730 HUF/month
OTP Bank Plc Page 5, total: 24
The Private Banking service package is provided by the
Bank without monthly fee to one private person
designated by the enterprise.
The Private Banking securities account keeping
conditions apply to the securities account of the
enterprise.
The preferential demand interest rate applies on the
current account of the account package, according to
the effective “Public Announcement on the deposit
interest rates applicable to the HUF accounts of
enterprise and public service clients".
The account package and the related premium payment
preferences are available subject to committing to a
slight annual debit account turnover. If the committed
debit account turnover is not met, the client shall pay a
special fee which is 0.1% of the amount not met.(3)
The preferential demand interest rate applies on the
current account of the account package, according to the
effective “Public Announcement on the deposit interest
rates applicable to the HUF accounts of enterprise and
public service clients".
OTP Bank Plc Page 6, total: 24
Domestic HUF and intra-bank foreign currency ad hoc transfers
SEPA transfers
0.396%, min. 110 HUF, max. 122,068 HUF
0.396%, min. 110 HUF, max. 122,068 HUF
Preferential payment conditions
0.445%, min. 366 HUF, max. 122,068 HUF
x x
0.400%, min. 405 HUF, max. 122,068 HUF
0.429%, min. 437 HUF, max. 122,068 HUF
Intra-bank, through OTPdirekt services (18)
0.445%, min. 366 HUF, max. 122,068 HUF
1,226 HUF/month 3,425 HUF/month
ACCOUNT PACKAGES CONTENTS
Small enterprise MIKRO account package
OTPdirekt monthly fee
7,642 HUF/month
x
1,404 HUF/month
in case of contracts
concluded from 1 January
2007
in case of contracts
concluded by 31
December 2006
FEES AND COMMISSIONS
x
3,501 HUF/month
x
x
x
0.428%, min. 110 HUF, max. 122,068 HUF
0.388%, min. 234 HUF, max. 122,068 HUF
1 pc HUF current account
1.122%, min. 578 HUF
0.547%, min. 234 HUF, max. 122,068 HUF
Free of charge OTP ATM cash withdrawal
Statement sent with monthly frequency, in a paper based
format (1)
OTHER CONDITION
Cash deposit over the counter in HUF 0.056%, min. 232 HUF
Contract concluded by 31 December 2006: if the
client concluded the Mikro account package contract
on 31 December 2006 or before, and since then they
have not recontracted to another account package
regarding the respective bank account.
0.547%, min. 234 HUF, max. 122,068 HUF
1.122%, min. 578 HUF
0.056%, min. 232 HUF
0.388%, min. 234 HUF, max. 122,068 HUF
0.556%, min. 626 HUF, max. 122,068 HUF 0.445%, min. 366 HUF, max. 122,068 HUF
Inter-bank, initiated in a branch (19)
Cash withdrawal over the counter in HUF
Small enterprise SZINKRON account
package
Small enterprise SZINKRONEXTRA account
package
3,951 HUF/month
4,042 HUF/month
4,585 HUF/month
7,554 HUF/month
x
x
Free of charge domestic HUF ad hoc transfer
Preferential retail account keeping (5)
8,563 HUF/month
0.384%, min. 335 HUF, max. 122,068 HUF
Statement sent with transaction frequency, in a paper based format
First one / month
Account keeping monthly fee
Via OTPdirekt services
Initiated in a branch
0.429%, min. 437 HUF, max. 122,068 HUF 0.445%, min. 366 HUF, max. 122,068 HUF
1,647 HUF/month 3,835 HUF/month
With authenticated electronic bank account statement (2)
1.122%, min. 578 HUF
0.056%, min. 232 HUF
0.556%, min. 626 HUF, max. 122,068 HUF
0.331%, min. 110 HUF, max. 122,068 HUF
DESIGNATION
x
Intra-bank, initiated in a branch
MC Unembossed debit card annual fee
First 10 items in month, initiated through OTPdirekt
services.
x
Inter-bank, through OTPdirekt services (18), (19)
x
OTP Bank Plc Page 7, total: 24
Account keeping monthly fee (4)
Foreign currency and international HUF ad hoc transfers (to the debit of the HUF and foreign currency account of the account package) initiated through OTPdirekt services or in a branch
SEPA transfers
0.445%, min. 366 HUF, max. 122,068 HUF
0.35%, min. 4,030 HUF, max. 45,000 HUF
0.388%, min. 234 HUF, max. 122,068 HUF
International HUF and foreign currency
transfers, inter-bank foreign currency
transfers Commission for crediting of foreign currency transfer from foreign or other Hungarian
banks above 100 EUR (or its equivalent in another currency), in case of HUF and foreign
currency account
0.25%, min. 4,030 HUF, max. 45,000 HUF
Recontracting to this account package is possible only if the original account did not have associated further bank accounts managed within one agreement, kept in other currencies. Under the DevizaPlusz account package, managing accounts in multiple currencies is not
feasible within one account agreement. The fee for the small enterprise DevizaPlusz account package, as specified in the Public Announcement, is charged separately on the HUF and foreign currency current account, unless requested otherwise. If the enterprise foreign
currency payment bank account of the account package is terminated for whatever reason, it results in the automatic termination of the account package, and the remaining HUF current bank account continues to operate as Small Enterprise Standard account package (in
case of termination of a Standard DevizaPlusz account package), or Small Enterprise E-account package (in case of termination of an e-DevizaPlusz account package) in respect of its costs, related services and payment preferences. If the HUF current bank account of
the account package is terminated for whatever reason, it results in the automatic termination of the account package. The remaining foreign currency current bank account continues to operate as standard foreign currency current account with respect to its costs, related
services and the payment transaction fees and commissions. The fee for the first in month transfer to an OTP foreign subsidiary bank will be subsequently credited by the Bank in the month following the subject month to the bank account from which the transfer was
initiated, in the currency of the bank account. From transfers occurring at the same time, the Bank selects on a random basis the item for which the fee shall be subsequently credited.
OTHER CONDITION
1.122%, min. 578 HUF
0.056%, min. 232 HUF0.056%, min. 232 HUF
0.35%, min. 4,030 HUF, max. 45,000 HUF
x
Foreign currency and international HUF ad hoc transfer / credit preferences
x
Free of charge OTP ATM cash withdrawal (for HUF account)
Statement sent with monthly frequency, in a paper based format (1) 9,677 HUF/month
First 10 items in month, initiated through OTPdirekt services.
First one/month (with subsequent crediting)
0.547%, min. 234 HUF, max. 122,068 HUF
Through OTPdirekt services (18)
initiated in a branch
6,436 HUF/month
Cash withdrawal over the counter in HUF
0.03%, min. 2.5 EUR, max. 30 EUR
9,843 HUF/month
1.122%, min. 578 HUF
0.25%, min. 4,030 HUF, max. 45,000 HUF
0.396%, min. 110 HUF, max. 122,068 HUF 0.428%, min. 110 HUF, max. 122,068 HUF
0.388%, min. 234 HUF, max. 122,068 HUF
free of charge
x
x
With authenticated electronic bank account statement (2)
1 pc foreign currency payment account (EUR, USD, CHF or GBP)
6,274 HUF/month
7,315 HUF/month
0.396%, min. 110 HUF, max. 122,068 HUF
x
Domestic HUF and intra-bank foreign currency ad hoc transfers to the debit of HUF account
Statement sent with transaction frequency, in a paper based format
Intra-bank, through OTPdirekt services (18)
MC Unembossed debit card annual fee (for HUF account)
FEES AND COMMISSIONS
1 pc HUF current account
First one / month
First one/month (with subsequent crediting)
ACCOUNT PACKAGES CONTENTS
Small enterprise E-DEVIZAPLUSZ account packageDESIGNATION
x
Small enterprise STANDARD DEVIZAPLUSZ account package
x
free of charge
xxFree of charge standard transfer to OTP foreign subsidiary bank
0.331%, min. 110 HUF, max. 122,068 HUF
Inter-bank, through OTPdirekt services (18), (19)
OTPdirekt monthly fee
Free of charge domestic HUF ad hoc transfer (for HUF account)
Cash deposit over the counter in HUF
Via OTPdirekt services
Initiated in a branch 0.445%, min. 366 HUF, max. 122,068 HUF 0.547%, min. 234 HUF, max. 122,068 HUF
Crediting of SEPA and EUR transfers within EEA
Intra-bank, initiated in a branch
0.445%, min. 366 HUF, max. 122,068 HUF
0.217%, min. 106 HUF, max. 122,068 HUF
11,172 HUF/month
0.03%, min. 2.5 EUR, max. 30 EUR
Intra-bank foreign currency transfers to the debit of foreign currency account 0.217%, min. 106 HUF, max. 122,068 HUF
0.445%, min. 366 HUF, max. 122,068 HUFInter-bank, initiated in a branch (19)
OTP Bank Plc Page 8, total: 24
3.
Account keeping monthly fee
Domestic HUF and intra-bank foreign currency ad hoc transfers
SEPA transfers
1.122%, min. 578 HUF
0.034%, min. 232 HUF
0.102%, min. 130 HUF, max. 122,068 HUF
0.102%, min. 130 HUF, max. 122,068 HUF
86 HUF/month
Intra-bank, through OTPdirekt services (18)
0.374%, min. 234 HUF, max. 122,068 HUF0.374%, min. 234 HUF, max. 122,068 HUF
Cash deposit over the counter in HUF
Small enterprise PATIKA account package Small enterprise JOG-ÁSZ account packageATTORNEY CUSTODY DEPOSIT account
with debit card
x
ACCOUNT PACKAGES CONTENTS
x
x
OTHER CONDITION
Statement sent with monthly frequency, in a paper based
format (1)
With authenticated electronic bank account statement (2)
OTPdirekt monthly fee
0.056%, min. 232 HUF
1,216 HUF/month
Statement sent with transaction frequency, in a paper based format
Preferential progressive tiered demand interest
PROFESSIONAL ACCOUNT OFFERINGS
x
With respect to the first annual card fee.xMC Unembossed debit card annual fee
1 pc HUF current account x
Preferential payment conditions x
x (segregated account)
DESIGNATION
The account package may be used by enterprises
operating pharmacies, or pharmaceutical retail
businesses (primary TEÁOR/NACE code is 4646 or
4773 based on the year 2008 classification).
The preferential demand interest rate applies on the
current account of the account package, according to
the effective “Public Announcement on the deposit
interest rates applicable to the HUF accounts of
enterprise and public service clients".
The account package may be used by businesses
conducting legal activity (attorneys, lawyers,
public notaries etc.) (primary TEÁOR/NACE code is
6910 based on the year 2008 classification).
The attorney custody deposit account may only be
used by attorneys.
The above conditions only apply if the client has
also ordered a debit card for the attorney custody
deposit account. In other cases the conditions of
Other accounts as shown in point II. 1.2.j of this
Public Announcement apply. The custody deposit
account is only available along with the current
account kept with OTP Bank.
2,302 HUF/month
0.288%, min. 110 HUF, max. 122,068 HUF
0.444%, min. 407 HUF
0.056%, min. 232 HUF
Intra-bank, initiated in a branch
x
0.374%, min. 234 HUF, max. 122,068 HUF
1.122%, min. 578 HUF
574 HUF/month
0.374%, min. 234 HUF, max. 122,068 HUF 0.102%, min. 130 HUF, max. 122,068 HUF
Initiated in a branch 0.374%, min. 234 HUF, max. 122,068 HUF 0.374%, min. 234 HUF, max. 122,068 HUF 0.102%, min. 130 HUF, max. 122,068 HUF
0.056%, min. 38 HUF, max 122,068 HUF
0.288%, min. 110 HUF, max. 122,068 HUF
x
x
1,115 HUF/month
0.374%, min. 234 HUF, max. 122,068 HUF
FEES AND COMMISSIONS
Inter-bank, through OTPdirekt services (18), (19)
Inter-bank, initiated in a branch (19)
0.288%, min. 110 HUF, max. 122,068 HUF
4,069 HUF/month
0.056%, min. 38 HUF, max 122,068 HUF
0.288%, min. 110 HUF, max. 122,068 HUF
2,295 HUF/month
2,384 HUF/month
0.374%, min. 234 HUF, max. 122,068 HUF
0 HUF/month
Cash withdrawal over the counter in HUF
Via OTPdirekt services
OTP Bank Plc Page 9, total: 24
Free of charge domestic HUF ad hoc transfer
Account keeping monthly fee
Domestic HUF and intra-bank foreign currency ad hoc transfers
SEPA transfers
Without fulfilling savings
requirement
1,503 HUF/monthnot available
1,248 HUF/month
DESIGNATION
594 HUF/month
Small enterprise ACCOUNTANT account
package
Statement sent with transaction frequency, in a paper based format
1.122%, min. 578 HUF
0.056%, min. 232 HUF
1 pc segregated bank account
0.370%, min. 131 HUF, max. 117,823 HUF
0.420%, min. 334 HUF, max. 117,823 HUF
Statement sent with monthly frequency, in a paper based
format (1)
With authenticated electronic bank account statement (2)
x
x
0.30%, max. 6.000 HUF
1,423 HUF/month
0.705%, min. 58 HUF, max 122,068 HUF
0.519%, min. 334 HUF, max. 122,068 HUF
0.370%, min. 131 HUF, max. 117,823 HUF
x
Initiated in a branch 0.556%, min. 626 HUF, max. 122,068 HUF 0.420%, min. 334 HUF, max. 117,823 HUF
OTPdirekt monthly fee
With fulfilling savings
requirement
The account package may only be used by clients
conducting agricultural, forestry and fishing
activity (primary TEÁOR/NACE code begins with
01, 02 or 03 based on the year 2008 classification).
The fees and commissions applicable to the
segregated account included in the account
package are identical with the fees and
commissions for the current account (except the
monthly fee included in the package).
0.400%, min. 405 HUF, max. 122,068 HUF
919 HUF/month
First 2 items in month, inter-bank, initiated through
OTPdirekt services (19)
x
x
Inter-bank, initiated in a branch (19)
Cash withdrawal over the counter in HUF
Cash deposit over the counter in HUF
1.265%, min. 578 HUF
Intra-bank, through OTPdirekt services (18)
MC Unembossed debit card annual fee
The account package may only be used by non-
profit organisations and foundations (except
condominiums and housing cooperatives).
Savings requirement: the day end balance of cash
assets placed on all HUF bank accounts owned by
the client and kept at OTP Bank (demand balance,
related term deposit, savings account and
securities account balance in total) does not fall
below 1.5 million HUF in the previous one month
(from day 16 of the previous month to day 15 of
this month).
0.685%, min. 334 HUF, max. 122,068 HUF
0.685%, min. 334 HUF, max. 122,068 HUF0.420%, min. 334 HUF, max. 117,823 HUF
0.429%, min. 437 HUF, max. 122,068 HUF
The account package may only be used by
businesses conducting accounting, audit and tax
advisory activity (primary TEÁOR/NACE code is
6920 based on the year 2008 classification), along
with selecting authenticated electronic bank account
statement.
OTHER CONDITION
0.056%, min. 232 HUF 0.056%, min. 232 HUF
1.122%, min. 578 HUF
x
not available
Via OTPdirekt services 0.429%, min. 437 HUF, max. 122,068 HUF 0.420%, min. 334 HUF, max. 117,823 HUF 0.519%, min. 334 HUF, max. 122,068 HUF
0.556%, min. 626 HUF, max. 122,068 HUF
First item in month, inter-bank, initiated through
OTPdirekt services (19)
3,076 HUF/month
Intra-bank, initiated in a branch
Inter-bank, through OTPdirekt services (18), (19)
3,308 HUF/month
371 HUF/month
539 HUF/month
0.30%, max. 6.000 HUF
Small enterprise TERRA account package
FEES AND COMMISSIONS
x
x
1 pc HUF current account
ACCOUNT PACKAGES CONTENTS
NON-PROFIT account package
2,988 HUF/month
OTP Bank Plc Page 10, total: 24
OTP Bank Plc Page 11, total: 24
4.
Account keeping monthly fee
Intra-bank HUF and foreign currency ad hoc transfers (initiated through OTPdirekt services or in a bank branch)
SEPA transfers
Fees related to the Electra Terminal, when the
account package is selected:
- installation fee: 0 HUF
- software licence fee: 0 HUF
- modem rental: 0 HUF.
582 HUF/month
Intra-bank, through OTPdirekt services (18)
x
0.056%, min. 232 HUF
Free of charge OTPdirekt Electra Terminal service
1.266%, min. 689 HUF
2,390 HUF/month
Statement sent with transaction frequency, in a paper based format
0.384%, min. 326 HUF, max. 122,068 HUF
OTHER CONDITION
Inter-bank, initiated in a branch (19)
0.384%, min. 326 HUF, max. 122,068 HUF
Intra-bank, initiated in a branch
Inter-bank, through OTPdirekt services (18), (19)
1.122%, min. 578 HUF
3,110 HUF/month
Cash withdrawal over the counter in HUF 1.122%, min. 578 HUF
761 HUF/month
882 HUF/month
With authenticated electronic bank account statement (2)
0.383%, min. 308 HUF, max. 122,068 HUF
3,541 HUF/month
1,980 HUF/month
2,070 HUF/month
Statement sent with monthly frequency, in a paper based
format (1)
0.383%, min. 308 HUF, max. 122,068 HUF
0.383%, min. 308 HUF, max. 122,068 HUF
x
0.056%, min. 232 HUF
0.362%, min. 110 HUF, max. 122,068 HUF
x
2,478 HUF/month
FEES AND COMMISSIONS
MOZAIK account package
1 pc HUF current (operations) account
CONDOMINIUM ACCOUNT PACKAGES
x
0.056%, min. 232 HUFCash deposit over the counter in HUF
0.791%, min. 485 HUF, max. 122,068 HUF
0.791%, min. 485 HUF, max. 122,068 HUF
0.362%, min. 110 HUF, max. 122,068 HUF
DESIGNATION TAKAROS account package ALAP account package
0.362%, min. 110 HUF, max. 122,068 HUF 0.362%, min. 110 HUF, max. 122,068 HUF
Preferential payment conditions
x
0.383%, min. 308 HUF, max. 122,068 HUF
ACCOUNT PACKAGES CONTENTS
x
Via OTPdirekt services 0.791%, min. 485 HUF, max. 122,068 HUF 0.383%, min. 308 HUF, max. 122,068 HUF 0.383%, min. 308 HUF, max. 122,068 HUF
Initiated in a branch 0.791%, min. 485 HUF, max. 122,068 HUF 0.383%, min. 308 HUF, max. 122,068 HUF 0.383%, min. 308 HUF, max. 122,068 HUF
OTP Bank Plc Page 12, total: 24
II.
1.
1.1
a.
b.
1.2
a.
b.
c.
d.
e.
f.
g.
h.
i.
j.
k.
l.
m.
n.
1.3
a.
b.
c.
d.
e.
5,364 HUF/month
Enterprise foreign currency current bank accounts
1,980 HUF/month
1,173 HUF/month
0 HUF/month
Agricultural non-profit current bank account
1,126 HUF/month
0 HUF/month
Currencies in which foreign currency accounts are kept
Statement sent with monthly
frequency, in a paper based format (1)
HUF ACCOUNTS ACCOUNT KEEPING MONTHLY FEE
1,046 HUF/month
1,925 HUF/month
Free of charge
Statement sent with transaction
frequency, in a paper based format
Account type
0 HUF/month
FOREIGN CURRENCY ACCOUNTS ACCOUNT KEEPING MONTHLY FEE (7)
With authenticated electronic bank
account statement (2)
1,051 HUF/month
0 HUF/month
EUR, USD, CHF, GBP, CAD, SEK, JPY, BGN
1,051 HUF/month
Condominiums, housing cooperatives operations account
5,054 HUF/month
3,527 HUF/month
2,390 HUF/month
3,846 HUF/month3,769 HUF/month
5,427 HUF/month
5,041 HUF/monthAgricultural current bank account
Agricultural e-Forint current bank account
1,990 HUF/month
1,030 HUF/month 1,105 HUF/month
0 HUF/month
1,210 HUF/month
Condominiums, housing cooperatives renovation accounts (available only along with
operations account or condominium account package)
Current bank accounts for foundations, donations
2,478 HUF/month
4,971 HUF/month
3,541 HUF/month
FEES RELATED TO ACCOUNT OPENING AND CHANGING OF SCHEME
Account opening
0 HUF/month
Current bank account, changing account package
2,997 HUF/month
Agricultural segregated account
5,000 HUF / recontracting (0 HUF until 31 December 2020)
3,605 HUF/month
2,645 HUF/month
Savings accounts
Bank technical accounts
1,122 HUF/month
0 HUF/month
1,030 HUF/month
Other foreign currency accounts
Statement sent with monthly
frequency, in a paper based format (1)
Current bank accounts for enterprises
Statement sent with transaction
frequency, in a paper based format
3,121 HUF/month
1,270 HUF/month
1,224 HUF/month
Savings accounts (EUR, USD)
Current bank accounts for non-profit organisations
OTP e-Forint current bank account (6)
1,126 HUF/month
0 HUF/month
Non-profit organisations foreign currency current bank accounts
Accounts not under the client's free disposal due to security deposit, custody, attorney
custody, cover security and other reasons1,105 HUF/month
Account type
1,126 HUF/month
4,965 HUF/month
4,951 HUF/month
GENERAL PAYMENT CONDITIONS
3,033 HUF/month
2,567 HUF/month
BANK ACCOUNT KEEPING
With authenticated electronic bank
account statement (2)
1,051 HUF/month
5,060 HUF/month
3,342 HUF/month
2,854 HUF/month
1,191 HUF/month
4,146 HUF/month
3,327 HUF/month
4,025 HUF/month
5,273 HUF/month
2,918 HUF/month
Other accounts
0 HUF/month
1,193 HUF/monthAccounts not under the client's free disposal due to caution, custody, cover security and
other reasons
OTP Bank Plc Page 13, total: 24
2.
2.1
a.
a.a.
a.b.
b.
b.a.
b.b.
b.c.
b.d.
c.
c.a.
c.b.
d.
d.a.
d.b.
d.c.
d.d.
e.
e.a.
e.b.
2.2
a.
a.a.
a.b.
b.
b.a.
b.b.
b.c.
b.d.
b.e.
b.f.
b.g.
c.
d.
e.
e.a.
e.b.
e.c.
f.
Inter-bank domestic HUF transfers through OTPdirekt services (18), (19)
0.372%, min. 212 HUF, max. 122,068 HUF
0.522%, min. 212 HUF, max. 122,068 HUF
To the debit of OTP e-Forint current bank account, through OTPdirekt services
To the debit of OTP e-Forint current bank account, initiated in a branch
(0.415%, min. 234 HUF, max. 122,068 HUF) + 0.15% special fee
Inter-bank domestic HUF transfers through OTPdirekt services (18), (19)
To the debit of agricultural current accounts, agricultural non-profit current accounts and agricultural segregated accounts,
initiated through OTPdirekt services or in a branch
To the debit of agricultural e-Forint current bank account, through OTPdirekt services
To the debit of agricultural e-Forint current bank account, initiated in a branch
To the debit of accounts not under the client's free disposal due to security deposit, custody, cover security and other reasons,
initiated through OTPdirekt services or in a branch
3,500 HUF
0.185%, min. 267 HUF, max. 122,068 HUF
0.415%, min. 234 HUF, max. 122,068 HUF
0.445%, min. 366 HUF, max 122,068 HUF (17)
Intra-bank transfers initiated through OTPdirekt services (18)
or in a branch
Inter-bank domestic HUF transfers initiated through OTPdirekt services (18), (19)
or in a branch (19)
0.420%, min. 334 HUF, max. 117,823 HUF
Intra-bank transfers, initiated in a branch
To the debit of HUF and foreign currency account
Transfers within the OTP Bank Group
(0.301%, min. 58 HUF, max. 122,068 HUF) + 0.075% special fee
0.30%, min. 4,030 HUF, max. 85,000 HUF
Intra-bank transfers initiated through OTPdirekt services (18)
or in a branch
6,000 HUF
In case of agricultural e-Forint current bank account
Inter-bank domestic HUF transfers initiated through OTPdirekt services (18), (19)
or in a branch (19)
Euro expressz transfers (to the debit of EUR account, in EUR currency, through OTPdirekt services, urgent transfer initiated by
12:00 noon, with current day fulfillment)
OTP expressz transfers
In case of accounts not under the client's free disposal due to caution, custody deposit, cover collateral and other reasons
2,000 HUF
Intra-bank transfers through OTPdirekt services (18)
Surcharge of orders missing data
Urgent transfers
0.161%, min. 38 HUF, max 122,068 HUF
0.366%, min. 110 HUF, max. 122,068 HUF
Inter-bank domestic HUF transfers, initiated in a branch (19)
0.372%, min. 212 HUF, max. 122,068 HUF
(0.372%, min. 212 HUF, max. 122,068 HUF) + 0.15% special fee
DOMESTIC HUF AND INTRA-BANK FOREIGN CURRENCY TRANSFERS
0.396%, min. 110 HUF, max 122,068 HUF (17)
In case of OTP e-Forint current bank account (6)
SEPA transfers
To the debit of HUF and foreign currency account, initiated through OTPdirekt services or in a branch
Inter-bank domestic HUF transfers initiated through OTPdirekt services (18), (19)
or in a branch (19)
Intra-bank transfers initiated through OTPdirekt services (18)
or in a branch
INTERNATIONAL HUF AND FOREIGN CURRENCY TRANSFERS, INTER-BANK FOREIGN CURRENCY TRANSFERS WITH DOMESTIC DESTINATION (to the debit of HUF and foreign currency account)
Initiated in a branch
In case of agricultural current accounts, agricultural non-profit current accounts and agricultural segregated accounts
0.370%, min. 131 HUF, max. 117,823 HUF
0.301%, min. 58 HUF, max 122,068 HUFIntra-bank transfers through OTPdirekt services (18)
Intra-bank transfers, initiated in a branch
Inter-bank domestic HUF transfers, initiated in a branch (19)
Standard transfers
0.420%, min. 334 HUF, max. 117,823 HUF
Standard transfers
0.30%, min. 3,900 HUF, max. 85,000 HUF + 5,000 HUF
Through OTPdirekt services (18)
0.445%, min. 366 HUF, max. 122,068 HUF
0.415%, min. 234 HUF, max. 122,068 HUF
0.565%, min. 234 HUF, max. 122,068 HUF
0.40%, min. 4,030 HUF, max. 85,000 HUF
5,000 HUF (in addition to the fee for standard transfer shown in point 2.2.a.)
0.445%, min. 366 HUF, max. 3,500 HUF
EXECUTING AD-HOC TRANSFERS, BOOK TRANSFERS, COLLECTION AND ADMINISTRATIVE ORDERS, AS WELL AS TRANSFER WARRANTS
0.185%, min. 267 HUF, max. 122,068 HUF
Normal transfers – executable in SEPA
(0.366%, min. 110 HUF, max. 122,068 HUF) + 0.075% special fee
OTP Bank Plc Page 14, total: 24
2.3
a.
b.
c.
d.
e.
f.
g.
h.
i.
j.
3.
a.
b.
c.
d.
d.a.
d.b.
e.
f.
f.a
f.b
g.
g.a
g.b
4.
4.1
a.
a.a.
a.b.
a.c.
b.
b.a.
b.b.
b.c.
Bázis account package
Fee for intra-bank transfer, book transfer from HUF savings accounts of enterprises and non-profit organisations
free of charge
Instant cash deposit through ATM to the card account underlying the card used to deposit (16)
Intra-bank HUF ad-hoc transfer to provide card coverage (possible only by using OTPdirekt telephone administration service and
internet banking service) (14) 0.7%, min. 900 HUF
Book transfer between own accounts (12)
intra-bank (except book transfer from savings accounts)
Initiating collection and administrative orders
Transaction fee for intra-bank transfer, book transfer from condominium savings account
8,900 HUF / item + postage under the prevailing standard tariffs (free of charge in a
promotion until withdrawn but latest by 31 December 2020)
Post office disbursement voucher (in addition to postage under the prevailing standard tariffs) 0,805%
In HUF (from HUF account, from foreign currency account)
free of charge
0.05%, min. 5 EUR, max. 50 EUR
0.593%, min. 11,050 HUF, max. 106,000 HUF
CASH DESK TRANSACTIONS
0.05%, min. 220 HUF (0.025%, min. 110 HUF until withdrawn but latest by
01.03.2021)
Bázis account package 0.50% + 607 HUF (0.25% + 303 HUF until withdrawn but latest by 01.03.2021)
CREDITING
The amount and due date of the fee the payee account or the account related to the
card used to deposit is subject to is listed in the Public announcement on “Cash
deposits through ATM to an account other than the card account underlying the card
used to deposit”.
1.168%, min. 1,168 HUF
Post office deposits
In foreign currency (from HUF account, from foreign currency account)
free of chargeCrediting of domestic HUF transfer (including VIBER)
Recovery (recall) of amount of transfers incorrectly fulfilled due to account owner’s fault
500 HUF / case (20), (21)
(free of charge until withdrawn but latest by 31 December 2020)
To the debit of HUF and foreign currency account
1.122%, min. 578 HUF
Payment intermediary service fee published by Magyar Posta Zrt. as applicable
To the debit of accounts not under the client's free disposal due to caution, custody deposit, attorney custody deposit, cover collateral and other reasons
0
above 100 EUR (or its equivalent in another currency)
Instant cash deposit through ATM to an account other than the card account underlying the card used to deposit (16)
CASH WITHDRAWALS OVER THE COUNTER
In HUF (from HUF account, from foreign currency account)
subject to case-by-case agreement
Commission applicable to the condominium account package or operations account of the client
300 HUF/pc
HUF accounts and account packages (except Bázis account package)
0.10%, min. 1,500 HUF, max. 30,000 HUF
free of charge
Transaction fee for book transfer from foreign currency savings account to own foreign currency account
Bulk withdrawal (in addition to the fee specified in points a. and b., as well as for the respective account package)
1.846%, min. 1,528 HUF
subject to case-by-case agreement
In foreign currency (from HUF account, from foreign currency account)
0.444%, min. 407 HUF
Bulk withdrawal (in addition to the fee specified in points a. and b., as well as for the respective account package)
HUF accounts and account packages (except Bázis account package)
Initiation of domestic VIBER (Real Time Gross Settlement System) items in HUF to domestic destinations (from HUF or foreign currency account)
Registration of secondary account identifier or deletion thereof based on client’s request in a branch
0.01%/item, max. 50,000 HUF
OTHER
Crediting of international HUF transfer
Commission for crediting of foreign currency transfer from foreign or other Hungarian banks
Crediting of SEPA and EUR transfers within EEA free of charge
OTP Bank Plc Page 15, total: 24
4.2
a.
a.a.
a.b.
b.
b.a.
b.b.
c
5.
5.1
a.
b.
c.
5.2
a.
a.a.
a.b.
b.
b.a.
b.b.
b.c.
b.d.
c.
d.
d.a.
d.b.
e.
f.
6.
a.
a.a.
a.b.
b.
b.a.
b.b.
b.c.
c.
when increasing term deposit with a fixed amount
In HUF
Bulk deposit (in addition to points a.) and b.))
Banknote
free of charge
Banknote
If downloaded by the client from the internet
110 HUF/pc
If installed by the Bank
Issuing certification of group collection orders in a branch 600 Ft
700 HUF + VAT / month
Intra-bank collection, initiated item
700 HUF + VAT / software / month
Intra-bank HUF transfers
100 Ft
25,000 HUF / package + postage under the prevailing standard tariffs (free of
charge in a promotion until withdrawn but latest by 31 December 2020)
Intra-bank collection, credited item
10 HUF + VAT / transaction
OTPDIREKT ELECTRA TERMINAL SERVICE
Other service related to group payment methods (forwarding of message/authorization outside the bank)
Commission charged to the paying party’s bank account in case of group collection order
free of charge
Modem rental
15 Ft
Coin (in addition to the fee item listed in the Public Announcement on the fee items for the distribution of banknotes and
coins)0.056%, min. 232 HUF
free of charge
In addition to the fee for ad hoc transfers (19)
initiated in a branch, relating to the bank account or account package, irrespective of the method of order.
Inter-bank collection, credited item
USD, EUR, GBP, CHF coin of min. denomination 1 (in addition to the fee item listed in the Public Announcement on the fee
items for the distribution of banknotes and coins)
40,000 HUF + VAT
0.365% + 10 HUF
Domestic group transfer (per intra-group items)
Recovery (recall) of amount of group transfers incorrectly fulfilled due to account owner’s fault
0 Ft
0.075%, min. 20 HUF
For group collection received from outside the Bank, in addition to the fees pertaining to the branch ad hoc inter-bank transfer
pertaining to the account
Inter-bank collection, initiated item
Software licence fee (9)
For group collection received from within the Bank, in addition to the fees pertaining to the branch ad hoc intra-bank transfer
pertaining to the account
10 Ft
free of charge
Below 300 million HUF annual account turnover
Over 300 million HUF annual account turnover
Annual account turnover above 300 million HUF (for clients recontracted from client terminal)
0.45%, min. 20 HUF
STANDING, DEBIT DATE SPECIFIED AND GROUP TRANSFERS / COLLECTIONS
STANDING AND DEBIT DATE SPECIFIED AD HOC ORDERS
free of charge
Inter-bank HUF transfers (19)
Domestic group collection order (per intra-group items)
In foreign currency
in other cases
0.056%, min. 232 HUF
GROUP PAYMENTS (from HUF account, account package in HUF)**
0.876%, min. 1,168 HUF
free of charge
CASH DEPOSITS OVER THE COUNTER
tax and social security liability in case of paper based format
1,000 HUF + VAT / software / month
Installation
20,000 HUF + VAT
OTP Bank Plc Page 16, total: 24
7.
a.
b.
c.
d.
e.
f.
8.
8.1
a.
b.
8.2
a.
b.
c.
d.
e.
f.
g.
h.
i.
8.3
a.
b.
c.
8.4
a.
a.a.
a.b.
b.
b.a.
b.b.
c.
d.
e.
f.
Subject to case-by-case agreement, depending on risk assumed by the
opening bank
0.80%, min. 3.000 HUF
3,000 HUF
FOREIGN CURRENCY CHEQUE
Repurchase of undrawn OTP-issued cheque
Dispatching documents and/or bill of exchange for collection
free of charge
Delivery of documents without payment
Subject to case-by-case agreement, depending on the risk of the opening
bank
0.20%, min. 7,000 HUF
Without full coverage
0.40%, min. 8,500 HUF
Purchase of cheque drawn on OTP
EXPORT PROMPT COLLECTION
6,000 HUF
Cheque received for collection
Bounced cheque
Preliminary inspection of documents submitted for letter of credit
6,000 HUF/occasionKeeping record of deferred payment
Cheque issued by OTP Bank 0.40%, min. 3,900 HUF, max. 85,000 HUF
0.20%, min. 3,000 HUF, max. 100,000 HUF
Drawdown of letter of credit (inspection of documents, crediting)
Assignment of letter of credit
6,000 HUF
0.20%, min. 7,000 HUF
Purchase of cheque
Opening, raising letter of credit payable at a foreign bank or other Hungarian bank
in addition to the fee specified in point 8.4.b.a., subject to separate
agreement
In case of full coverage
EXPORT LETTER OF CREDIT (including domestic HUF letters of credit) (10)
Modification, cancellation of prompt collection
6,000 HUF
0.20%, min. 7,000 HUF, max. 100,000 HUF
IMPORT LETTER OF CREDIT (including domestic HUF letters of credit) (10) (11)
Certification of letter of credit (in addition to advising commission)
Arrangement of import prompt collection (documents and/or bill of exchange)
Transfer of letter of credit
Advising of letter of credit or advising of raise without assumption of obligation 0.15%, min. 7,000 HUF, max. 150,000 HUF
Opening, raising letter of credit payable at OTP Bank Plc.
In case of full coverage
0.10%, min. 7,000 HUF
DOCUMENTARY TRANSACTIONS PERFORMANCE
500 Ft
0.30%, min. 8,000 HUF
Arranging certification of letter of credit by foreign bank
3,000 HUF/occasion
IMPORT PROMPT COLLECTION (if the commission is borne by our client)
0.25%, min. 7,000 HUF in addition to the fee specified in point 8.4.a.a., subject to separate
agreement
Discounting of letter of credit with deferred payment
0.20%, min. 7,000 HUF
cost of certifying bank
Advising of letter of credit modification (except raise)
Modification, cancellation
Drawdown of letter of credit (inspection of documents, payment)
Modification of letter of credit (except raise)
Keeping record of deferred payment
0.30%, min. 7,500 HUF
Without full coverage
6,000 HUF
6,000 HUF/occasion
OTP Bank Plc Page 17, total: 24
8.5
a.
b.
c.
d.
8.6
a.
a.a.
a.b.
b.
c.
9.
a.
b.
c.
d.
10.
10.1
a.
b.
c.
d.
e.
f.
10.2
a.
b.
c.
10.3
a.
b.
10.4
a.
b.
Issue, raise of guarantee and advising of bill of exchange
1,490 HUF up to 20 kB, 35 HUF/kB above 20 kB
One-off issuance commissionin addition to the fee specified in point 8.6.a.a., subject to separate
agreement
GUARANTEE ISSUED (including domestic foreign currency guarantee and international HUF guarantee)
6,000 HUFAdvising of guarantee modification, except advising of raise (without risk assumption)
0.20%, min. 7,000 HUFDrawdown of guarantee
Advising of guarantee issued by another bank, advising of raise, validation of authenticity (without risk assumption)
Risk assumption fee
GUARANTEE RECEIVED (including domestic foreign currency guarantee and international HUF guarantee)
Second guarantee (with risk assumption)
850 HUF/pc
500 Ft
7,000 HUF
HUF 5,000
Management of drawn down guarantee
6,000 HUF
0.15%, min. 7,000 HUF, max. 150,000 HUF
Subject to case-by-case agreement, depending on the risk of the opening
bank
1,000 HUF / pc
Commission on Internet serviceIssuing of ad hoc certification upon the request of the client, evidencing the payment of customs debt and customs security to the
debit of the bank account
OTHER SERVICES
0.30%, min. 8,500 HUF, max. 100,000 HUF
0.25%, min. 8,000 HUF
Modification of guarantee (except raise)
3,000 HUF
in the amount according to point 4.2
CUSTOMS CASH DESK SERVICE
2.2, 3.b, 3.c, 7. AND 8. POINTS RELATED SERVICES
one-off 0.30%Bill of exchange fee in case of protest
Release of consignment dispatched to OTP’s address/order
Consultancy fee (letter of credit, drafting guarantee wording at the client’s request)
0.41%, min. 520 HUF/item
Fee for forwarding photocopy of voucher (e.g. SWIFT photocopy)
0.46%, min. 600 HUF/itemCommission on services
For cash deposit (in addition to the commission on the service)
For document size up to 20 kB
Modification, cancellation of orders
1,490 HUF/download
0.20%, min. 7,000 HUF
Separate banker’s correspondence, urging payments, modifying and deleting international transfers, correction of inaccurate orders
3,000 HUF
Obtaining bank information on client
Management fee for foreign currency bill of exchange placed in safe-keeping custody deposit
For document size in excess of 20 kB
MANAGEMENT OF CONTINGENT HUF ORDERS ON HUF ACCOUNT
In case of queuing other than order of arrival
Queuing of one-off transfers recorded via Electra Terminal, within a day (based on separate agreement concluded as from 1 July
2012)
HUF 5,000
Queuing in branch, other than compulsory queuing, based on agreement850 HUF/pc
(free of charge until 31 December 2020)
ONLINE SERVICE FOR RETRIEVAL OF ELECTRONIC COMPANY REGISTRY EXTRACT
BILL OF EXCHANGE
2,900 HUF/account/month
(free of charge until 31 December 2020)
OTP Bank Plc Page 18, total: 24
10.5
a.
b.
10.6
a.
b.
c.
10.7
a.
b.
10.8
a.
b.
c.
10.9
10.10
10.11
10.12
a.
b.
c.
d.
10.13
11.
11.1
a.
b.
11.2
a.
b.
b.a.
b.b.
Upon the written request of the account owner
Fee for renting deposit box
0.10%, min. 1,500 HUF
1,000 HUF / pc
Account information disclosed for the purpose of auditing
Other certification (e.g. execution of transfer order, payment of ordinary share capital)
BANK INFORMATION
In respect of foreign currency account
500 Ft
400 HUF/pc
Issue of account statement copy upon specific request
Employer product package services 3 million HUF / year
Employer product package Gold offering
0.10%, min. 1,500 HUF
400 HUF/pc
free of charge
In case of foreign address
FEE FOR COPY OF TITLE DEED (in case of using TAKARNET) (15)
Accounting document, other banking document
Fee for branch retention
FEE FOR MAKING PHOTOCOPIES
SPECIAL ENTERPRISE SERVICES
MAILING OF FOREIGN EXCHANGE RATES LIST
POSTAGE ACTUALLY INCURRED
Correspondence fee
FEES ARISING FROM CONDUCT NOT IN COMPLIANCE WITH THE AGREEMENT (for bank accounts and overdraft facilities)
3 million HUF / year (promotion: free of charge until withdrawn)
Certificate of coverage
ISSUING AND MODIFYING CERTIFICATIONS
949 HUF / Account Owner / month
Mail post basic fee published by Magyar Posta Zrt. as applicable
LATE PAYMENT INTEREST RATE FOR THE PERIOD OF DEFAULT
Employer product package Diamond offering
Employer product package Platinum offering
SCHEDULED BLOCKING ON FOREIGN CURRENCY ACCOUNT
400 HUF/pc
Other document related to account keeping
Certification of placing of property collateral
949 HUF / Account Owner / month
CLIENT CORRESPONDENCE RELATED FEES
2,500-20,000 HUF / client / occasion
2,500-20,000 HUF / client / occasion
2,500 HUF
Interest rate of HUF overdraft facility prevailing at all times + 6.00%
9.00% p.a.
600 HUF / month
600 HUF / mailIn case of domestic address
3 million HUF / year (promotion: free of charge until withdrawn)
Debt management fee
According to the prevailing tariffs of TakarNet
In respect of HUF account
1,000 HUF / mail
LATE PAYMENT OF OUTSTANDING FEES, COMMISSION AND COSTS
OTP Bank Plc Page 19, total: 24
12.
a.
b.
c.
d.
The following commissions, costs and fees are due to be paid monthly, on the last working day of the month (in the account keeping currency) in accordance with the conditions effective on the date of
settlement: account keeping monthly fee, intra-bank HUF and foreign currency transfers, inter-bank domestic HUF ad hoc transfers, standing orders and ad hoc orders given with designated debit date, for group
collection orders the commission charged to the bank account of the paying party, cash deposit over the counter in HUF, cash withdrawal over the counter in HUF, Electra software licence fee and modem rental
fee, client correspondence related fees. Charging occurs based on the number of transactions existing on the working day preceding the last working day of the month at the time of closing the account keeping
system. Charging of the account keeping monthly fee occurs based on the account scheme existing on the working day preceding the last working day of the month at the time of closing the account keeping
system, to the respective account or, if agreed, to another (charging) HUF bank account of the client.
Other fees, commissions, costs (not covered in sections a, b, c and d) are due to be paid (in the account keeping currency) when incurred, in accordance with the conditions effective on the date of settlement.
Charging of OTPdirekt services fees occurs in accordance with the provisions of the public announcement entitled "Conditions list of OTPdirekt services for commercial banking clients", charging of debit card
fees occurs in accordance with the provisions of the "Debit Card Terms of Business".
DUE DATE OF FEES, COMMISSIONS AND COSTS
The following commissions, costs and fees are due to be paid quarterly, on the last working day of the quarter (in the account keeping currency) in accordance with the conditions effective on the date of
settlement: group payment related fees (except 5.2.e). Charging of the quarterly transaction costs occurs based on the number of transactions existing on the working day preceding the last working day of the
quarter at the time of closing the account keeping system, to the respective account or, if agreed, to another (charging) HUF bank account of the client.
Fees for post office deposits are charged monthly, posteriorly, in one amount after the tenth working day of the month, based on the post office deposits made to the respective account in the previous month.
OTP Bank Plc Page 20, total: 24
13.
13.1
a.
a.a.
a.b.
b.
b.a.
b.b.
c.
c.a.
c.b
13.2
a.
a.a.
a.b.
b.
b.a.
b.b.
c.
c.a.
c.b
13.3
a.
b.
13.4
a.
a.a.
a.b.
b.
b.a.
b.b.
FOREIGN CURRENCY ACCOUNT
WITH CONVERSION
-
FOREIGN CURRENCY ACCOUNT
-
-
foreign currency purchasing rate /
foreign currency selling rate
Debiting
-
APPLICATION OF EXCHANGE RATES RELATED TO PAYMENTS TURNOVER
Crediting
Debiting -
foreign currency purchasing rate
-
-
-
HUF ACCOUNT
Crediting
Intra-bank transactions
foreign currency purchasing rate /
foreign currency selling rate
-
-
Domestic inter-bank transactions
International inter-bank transactions
TRANSFERS, DOCUMENTARY TRANSACTIONS, GUARANTEES IN FOREIGN CURRENCY
foreign currency selling rate
foreign currency purchasing rate
Debiting
foreign currency selling rate
Crediting
TRANSFERS IN HUF
foreign trade foreign currency purchasing rate
-
foreign currency purchasing rate /
foreign currency selling rate
foreign currency purchasing rate
Crediting
-
-
Debiting
Crediting
foreign currency selling rate
Domestic inter-bank transactions
cheque purchasing rate / foreign
currency selling rate
HUF cash deposits and withdrawals over the counter
-
Debiting
cheque purchasing rate
cheque selling rateDebiting
foreign currency purchasing rate /
foreign currency selling rate
TURNOVER DUE TO FOREIGN CURRENCY CHEQUES
-
foreign trade foreign currency purchasing rate
Intra-bank transactions
foreign trade foreign currency selling rate
foreign currency purchasing rateCrediting
-foreign currency selling rate
-
foreign currency purchasing rate /
foreign currency selling rate
foreign currency purchasing rate /
foreign currency selling rate-
Debiting
-
-
International inter-bank transactions
-
-
Debiting -
-
cheque purchasing rate / foreign
currency selling rate
Foreign currency deposits and withdrawals over the counter
foreign currency purchasing rate /
cheque selling rate
foreign currency selling rate
-
Crediting
foreign trade foreign currency selling rate
-
Debiting
Crediting
cheque purchasing rate
foreign currency purchasing rate /
cheque selling rate
CASH DESK TRANSACTIONS
foreign currency selling rate
Crediting
foreign currency purchasing rate
OTP Bank Plc Page 21, total: 24
14.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20. In case of SEPA transfers initiated through the OTP Direkt services or transfers within the bank group (point 2.2.e.), during cover verification the commission for standard transfers (point 2.2.a.a.) is blocked in
addition to the amount to be transferred, lacking this the transaction may not be initiated. Actually the fee specified for SEPA transfers or for transfers within the bank group (point 2.2.e.) is charged.
DSK Bank EAD, Sofia
Albania
INFORMATION ON THE GENERAL TERMS AND CONDITIONS OF THE PERFORMANCE OF THE INTERNATIONAL HUF AND FOREIGN CURRENCY, AS WELL AS DOMESTIC FOREIGN CURRENCY
PAYMENTS
Romania
The Bank applies an individual exchange rate over 50,000 EUR. The individual exchange rate is applied by the Bank only to transactions initiated in the bank branch. For international payments
exceeding the value limit of 50,000 EUR and charged against a HUF account, the Bank shall apply individual foreign trade exchange rate.
Debiting on the client account occurs on the execution date, at the foreign trade foreign currency selling rate listed by OTP Bank Plc., effective on this date. OTP Bank Plc. quotes foreign trade exchange rates
twice per day: first at 12:00 noon, second at 14:00. Application of the respective exchange rates to the initiated and received international transfers depends on the time when the item is received, according to
the provisions of the Terms of Business on Payment Services.
Joint Stock Company OTP Bank, Moscow
OTP Bank Albania, Tirana
Serbia Vojvodjanska Banka A.D., Novi Sad
Slovakia
Clients shall be required to give notice of priority transfers in excess of 1 million in either USD, EUR, CHF or GBP currency on the day preceding the initiation of the transfer. The International Banking Operations
General Department shall be informed of the notice.
Express transfer to OTP Bank group members means that the beneficiary client account shall be credited within the same day.
The current member banks of the OTP Bank Group are as follows:
Bulgaria
OTP Banka Slovensko A.S., Bratislava
The above published commissions apply to routine transactions only. Commissions on special transactions are subject to separate agreements.
The exchange rate listed first on the processing day is applied to settlements related to documentary payments and transfers which require subsequent consultation.
Upon acceptance of foreign currency transfer orders, blocking of funds occurs at the foreign currency selling rate listed by OTP Bank Plc. and effective on the date of acceptance, along with the exchange rate
The commissions are charged in the currency of the account keeping, based on the foreign currency amount of the order, simultaneously with performing the service, based on the effective foreign trade foreign
currency exchange rate quoted by OTP Bank Plc.
In addition to the own commissions published, the foreign bank commissions as well as extra costs (courier service, DHL, TNT, etc.) are recharged to the clients.
Imprecise and/or incomplete orders are kept on hold by the bank at the liability of the party giving the order until the details required for execution are duly provided.
An order is considered as "missing data" if the destination of the payment transaction is a country where client accounts are identified with IBAN (International Bank Account Number) and/or banks are identified
with BIC (SWIFT identifier), and the order fails to indicate these, and also if generally the data necessary for executing the payment (account, bank or other identifiers, or any supplementary information required
by the recipient country) are not included or partially included in the order. For executing any order failing to include at least one of the referred identifiers or information, OTP Bank Plc. may charge a surcharge
as indicated in the applicable public announcement.
In respect of the member states of the European Economic Area (EEA), as well as for the execution of payment transactions to be performed in SEPA, it is required to indicate the international bank account
number (IBAN) of the beneficiary and the BIC (SWIFT identifier) of the bank of the beneficiary. Any order not including the international bank account number of the beneficiary may be rejected by OTP Bank.
Russia
Euró Expressz orders are posted by OTP Bank Plc. for execution on the current day.
OTP Banka Hvratska D.D., Zadar
Costs of transfers which could not be executed and were returned by foreign banks are to be borne by the ordering party at all times.
Orders – either paper-based or initiated through the OTPdirekt services – which are submitted by 14:00 on a certain day are considered by OTP Bank Plc. to be arrived on that certain day. Orders submitted after
this point of time are considered to be submitted on the next banking day.
Priority orders are posted for execution by OTP Bank Plc. with a value date being the first day following the current day.
Bulgaria
Crnogorska Komercijalna Banka AD, Podgorica
SEPA transfers: may be initiated only in EUR currency, in respect of SEPA member states (https://www.europeanpaymentscouncil.eu/document-library/other/epc-list-sepa-scheme-countries) , if the bank of the
beneficiary is a member of SEPA. SEPA transfers are credited to the account of the beneficiary latest on the 1st working day for orders submitted via an electronic channel, and on the 2nd working day for orders
submitted in a paper-based format, after submitting the order. (Orders qualify as submitted on a respective day by 14:00.)
Letters of credits and prompt collections are undertaken by the bank based on The Uniform Customs and Practice for Documentary Credits, as well as The Uniform Rules for Collections issued by the
International Chamber of Commerce respectively, as applicable at all times, even if they are not stipulated by the party giving the order.
OTP Bank Plc. shall only accept and execute orders which are compliant with its business policy.
Montenegro
Croatia
Expressbank AD, Varna
OTP Bank Romania S.A.., Bucharest
Ukraine JSC OTP Bank, Kiev
OTP Bank Plc Page 22, total: 24
III.
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
(10)
The retail Tempó account package and the modification of its conditions is subject to “Business regulations on retail bank accounts, deposits and overdraft facility – Payment accounts (Bank accounts)”.
The indicated account keeping fees are applicable in case the same statement type is associated to both the HUF and foreign currency account of the account package. Different statement types may also be set for the HUF and
foreign currency account. Charging the account keeping fee occurs in all cases as follows:
- to the HUF account of the Standard Devizaplusz account package, the account keeping fee specified for the Standard account package is charged, whereas to the foreign currency account thereof, the account keeping fee
specified for the foreign currency accounts of enterprises (point I.1.3.a) is charged by us;
- to the HUF account of the e-Devizaplusz account package, the account keeping fee specified for the e-account package is charged, whereas to the foreign currency account thereof, the account keeping fee specified for the foreign
currency accounts of enterprises (point I.1.3.a) is charged by us.By applying for the Szinkron and SzinkronExtra account package, the preferential monthly fee for the related retail Tempó account package is as follows.
DELETED
OTP Bank Plc. conducts domestic HUF letter of credit transactions with a transactional value of over 100 thousand HUF, charging the fees specified in points 8.2 and 8.4.
330 HUF/month
REFERENCES
If authenticated electronic bank account statement is selected, the Account Owner shall receive an authenticated electronic bank account statement, which is provided under the OTPdirekt Electra Terminal service and/or the
OTPdirekt internet service by the Bank, provided that the bank account was previously included in the agreement of the respective electronic channel. The detailed conditions of the authenticated electronic bank account statement is
contained in the applicable “Public Announcement on bank account statements" (Annex 2 to Terms of Business on Payment Services). Clients contracted for e-statement service package before 18 May 2015 are subject to
conditions identical with those of authenticated electronic bank account statement.
Package fee if the conditions specified in chapter IV.1 point 5. of “Business regulations on retail bank accounts, deposits and overdraft facility – Payment
accounts (Bank accounts)” are not met, without mailing the account statement, having electronic access to it 288 HUF/month
Package fee if the conditions specified in chapter IV.1 point 5. of “Business regulations on retail bank accounts, deposits and overdraft facility – Payment
accounts (Bank accounts)” are not met, with mailing the account statement.
The fee is determined for one year in advance, on the basis of the account turnover at OTP Bank Plc.
Package fee if the conditions specified in chapter IV.1 point 5. of “Business regulations on retail bank accounts, deposits and overdraft facility – Payment
accounts (Bank accounts)” are met.
By selecting the account package, the Account Owner commits to perform annually at least the debit account turnover specified in the account package agreement collectively on all the enterprise bank accounts owned by them and
kept with OTP Bank Plc. The following transactions are not included in debit account turnover: (a) book transfers between own accounts, (b) deposit tie-ups, (c) charging of fees, commissions, costs and interests initiated by OTP
Bank Plc., (d) cancellation transactions, (e) credit repayment.
In case of debit transactions performed in foreign currency, the debit account turnover is considered at the end-of-day OTP average exchange rate effective on the transaction date.
If the Account Owner fails to meet the commitment, OTP Bank Plc. may charge 0.1% surcharge based on the difference between the committed and the actually realised annual debit account turnover, to the bank account of the
Account Owner specified in the account package agreement. If the Account Owner has more than one account package for which it committed to a minimum annual debit account turnover in the account package agreement, then
any surcharge shall be charged to the account subject to the highest amount of commitment and opened earliest. The calculation of the annual debit account turnover starts from the opening date of the account package (or the
effective date of recontracting to the account package) and ends on the same calendar day of the next year. After one year elapsed, calculation of the account turnovers starts over. Further conditions:
- The amount of the minimum annual debit account turnover commitment specified in the account package agreement may be changed by modifying the agreement. For the respective account package, the Account Owner may
contract for a commitment of lower amount if at least one year has elapsed since concluding the account package agreement or the last modification thereof. In respect of commitment of higher amount, the agreement modification is
not subject to time limit.
If the Account Owner has more than one account package for which a commitment to a minimum annual debit account turnover is included in the account package agreement, then OTP Bank Plc. shall only consider the commitment
with the highest amount when verifying whether the commitment was met, and during charging any surcharge. Even in such cases, OTP Bank Plc. charges a surcharge maximum once per year to the bank account of the Account
Owner specified above, provided that the commitment is not met by the Account Owner.
- If the value of the committed annual debit account turnover of the highest amount is decreased by the Account Owner, then the inspection period with regard to the calculation of the annual debit account turnover shall not change.
- If the value of the committed annual debit account turnover of the highest amount is increased by the Account Owner, then the inspection period with regard to the calculation of the annual debit account turnover shall restart from
the effective date of the respective account package agreement modification.
- If the Account Owner has an account package for which a commitment to minimum annual debit account turnover is included in the account package agreement, and the account owner recontracts to another account package, they
may only contract back to the original account package if at least one calendar year has elapsed since the date of recontracting from the original account package.
If account statement retained in a branch or received along with box rental is selected, the account keeping monthly fee is equal to the account keeping monthly fee charged for paper based statement posting with monthly frequency.
0 HUF/month
The commissions, costs and fees for the payment bank account used for transacting Széchenyi Card credits are identical with the conditions of the OTP e-Forint payment bank account.
For foreign currency accounts, the account keeping monthly fee is charged at the last listed OTP average exchange rate effective on the closing date, as specified in the retail payment bank account Terms of Business entitled "Retail
foreign currency account management and foreign currency trading".
OTP Bank Plc Page 23, total: 24
(11)
(12)
(13)
(14)
(15)
(16)
(17)
(18)
(19)
(20)
(21)
The detailed terms and conditions of the transaction for providing card coverage are contained in the Debit Card Terms of Business, the Commercial Banking OTPdirekt General Terms of Business, as well as the Public
Announcement on the OTPdirekt services provided for commercial banking clients.
As a result of the amendment of the law, transfers to the Széchenyi Recreational Card accounts kept by OTP Pénztárszolgáltató Zrt. shall qualify as inter-bank transfer instead of intra-bank transfer. In order to reduce the burden on
employers, from 6 January 2019 OTP Bank Plc. shall apply the same conditions to ad hoc transfers, standing transfers, ad hoc transfers submitted with a specified debit date and group transfers to Széchenyi Recreational Card
accounts kept by OTP Pénztárszolgáltató Zrt., as applicable to items initiated within the bank in a branch or through the OTPdirekt service, including 0 HUF ad hoc transfers if an account package has this feature. In the case of the
Small Business START account package, the Small Business GOLD account package, the Small Business ACCOUNTANT account package and the NON-PROFIT account package, the number of preferential ad hoc transfers is
decreased if they are initiated within the count of preferential transfers.
Pursuant to the provisions of Act CXVI of 2012, "transfers between own accounts" shall mean such intra-bank transfers where the account owner initiating the transfer is identical with the account owner receiving it. Such transfer
include transfers between the Account Owner’s sole trader bank account and private retail bank account (including retail bank accounts with multiple owners where one of the account owners is the sole trader). Transfer to a credit
account does not qualify as transfer between own accounts. For transfers to the home pre-savings account of the Account Owner kept at OTP Lakástakarék Zrt., the fee for intra-bank transactions between own accounts is applied.
The maximum fee applicable to HUF payment account intra-bank HUF and foreign currency, as well as domestic HUF ad hoc transfers applies to all such paying account agreements which are subject to this Public Announcement.
The detailed terms and conditions for instant cash deposits through ATMs—to the card account related to the card used to deposit or to another account—are contained in the Debit Card Business Regulations.
DELETED
The fee will be effective from 02 March 2020.
Charged per case, independent of the number of managed secondary account identifiers.
Transfers initiated under the eBiz service shall be subject to the same conditions as items initiated via the OTPdirekt service, i.e. the fees for transactions initiated via OTPdirekt services shall apply, including the 0 HUF ad hoc
transfers as well, if the account package has any.
Fee for the TakarNet query performed by OTP Bank Plc. The fee is charged per certification/query. For the TakarNet service fees, our clients shall visit www.foldhivatal.hu => TakarNet information => Fees.
In addition to the fees, if risk is assumed by the Bank, a risk assumption fee depending on the client’s rating is charged. The specific amount of the guarantee fee shall be determined on a case by case basis, depending on the rating
of the transaction and the Client.
OTP Bank Plc Page 24, total: 24
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