individuals terms and conditions › wp-content › uploads › 2020 › 06 › all... · cash...

I. CURRENT ACCOUNT ALL FCY

1.1 Opening 0 0

1.2 Closing 700 7

1.3 Cash deposits and withdrawals

a Cash deposit for third parties from non Bank Clients * 0.1 % (min 300) 0.1 % (min 3)

b Cash Withdraws with notification (for amounts over 5,000 EUR) 50 0.5

c Cash withdrawals without notification (for amounts over 5,000 EUR)0.25 %

(min 1,000 - max

10,000)

0.25 %

(min 10 - max 100)

dCash Withdrawals in ALL at cash desk for amount up to 50.000 ALL/350 EUR in Current Account

50 N/A

1.4 Monthly maintenance fee 150 1.5

1.5 Minimum balance in the account 1,000 10

1.6 Account statement 200 2

1.7 Automatic payment order per transaction 0 0

1.8 Banknote exchange for OTP Clients 0.5% (min 500) 0.5% (min 5)

Cash deposit for loan installments, no commission will be applied.

Cash deposits in corporate accounts from employees of these companies, no commission will be applied.

Cash withdrawals following a loan disbursement within the day, no commission will be applied.

II. ONLINE BANKING ALL FCY

2.1 Initial fee 200 2

2.2 Monthly fee 150 1.5

2.3 Commission for MOTP (Mobile One Time Password) 0 0

III. SOGE / SMS ALL FCY

3.1 Initial fee 0 0


3.3 Per message sent7

(Including VAT)0.05

Note

IV. MPAY ALL FCY

4.1 Initial fee 0 0

4.2 Monthly fee 0 0

4.3 Bill payment fee / TOP- UP of mobile phone fee 0 0

V. SAVINGS AND TERM DEPOSIT ALL FCY ALL FCY

5.1 Minimum for opening

a Term Deposit 50,000 500

b Elastic Deposits 10,000 100

c Elastic Deposits closure 500 5

5.2 Maintenance fee (yearly commission)

a Term Deposit - 0 0

b Elastic Deposits 200 2

5.3 Commission for statement of deposit 0 0

Note

INDIVIDUALS TERMS AND CONDITIONS

Note

*For the payment of Insurance Policy and Social Insurance of farmer will be applied 50 ALL and 100 ALL for voluntary contribution respectively 0.5 EUR / USD and 1 EUR/ USD in foreign currency.

The Client will be debited with the respective commission for the SMS received on 15th of the coming month. The account will be debited for all the SMS that the bank will send for the SMS Banking service.

If the client will close the Term Deposit before the maturity date, the interest rate of the deposit will be the same with the current account interest rate

VI. TRESAURY BILL ALL FCY

6.1 Treasury Bill discounts

6.2

(min 1,000 - max 5,000)

(min 10 - max 50)

b Commision for selling the security to another second level bank 10,000 70

cCommision for equipping the customer with the document: "Duplicate of winner certificate" in cases of its loss/damage.

500 5

d Participating fee (in case the customer does not win in the auction 1,000 10

VII. PAYMENTS ALL FCY

7.1 OUTGOING TRANSFER

a National Transfers

a-1 Within OTP 0 0

a-2 In the other banks

500 ALL (for payments up to

1,499,999)1,500 ALL (for payments over

1,500,000)

0.25 %(min 15 - max 200)

0.25 %(min 15 - max 200)

b International

b-1 Transfer Commission N/A0.25 %

(min 25 - max 200)c Common Commissions

c-1 Payments within the Value Date0.05 %

(min 100 - max 20,000)

0.05 %(min 1 - max 200)

c-2 Comm. for IBAN missing (when mandatory) N/A 10

c-3 SWIFT commission N/A 10

c-4 Annulations/ Modification 1,000 20

c-5 Investigation N/A 25

c-6 Transit Transfer N/A0.1 %

(min 10 - max 50)

Note

7.2 INCOMING TRANSFER

a National Transfer

a-1 OTP Clients 00.10 %

(min 6 - max 50)

a-2 Transfer Return commission 2,000 15

a-3 Investigation commission for incoming transfers with discrepancy

500 5

b International Transfer

b-1 OTP Clients N/A0.10 %

(min 6 - max 50)

b-2 Transfer Return commission N/A 15

b-3 Investigation commission for incoming transfers with discrepancy

500 5

Free

Treasury Bonds

a Brokerage Commision0.15 % of the nominal value

When the commissions are “OUR”, we have to add the correspondent bank expenses. For the payments in GBP and in CHF the commission “OUR” will be the equivalent of 25 GBP / CHF according to the currency of the transfer. We have not included the commission of the other banks that have to be paid by the client.

VIII. PAYMENTS THROUGH ONLINE BANKING ALL* FCY**

a National within OTP 0 0

b National in other banks

b-1 Transferta 0 - 20,000 LEKË 0 N/A

b-2 Transferta 20,000 - 1,499,999 LEKË 250 N/A

b-3 Transferta mbi 1,500,000 LEKË 750 N/A

b Domestic & International outgoing transfers N/A0.10 %

(min 5 - max 100)

IX. FEES & COMMISSIONS LOANS ALL FCY

9.1 Administration Fees**

a Automatic Overdraft 0.00% 0.00%

b Unauthorized overdraft* N/A N/A

c Loans with Cash Collateral 0.50% 0.50%

d Express Loan

0-1] years 2.50% N/A

[1-2] years 2.50% N/A

[2-3] years 2.50% N/A

[3-5] years 2.00% N/A

[5-7] years 2.00% N/A

e UNIVERSAL 1.50% 1.50%

f Reconstruction Loans 1.00% 1.00%

g Housing Loans 1.00% 1.00%

h Real Estate Loans 1.00% 1.00%

i Agro Mini

0-1] years 2.50% N/A

[1-2] years 2.50% N/A

[2-3] years 2.50% N/A

[3-5] years 2.00% N/A

[5-7] years 2.00% N/A

j Agro Loan 1.50% 1.50%

k Car Leasing 1.50% 1.50%

Note

9.2 Installment Late Payment fee Loans

9.2.a Installment Late Payment Payroll Overdraft

9.3 Early payment for loan fee

a Automatic Overdraft

b Express Loan, Agro Mini, Cash Collateral

b.1 Variable Interest Rate 0%

b.2 Fixed Interest Rate

1.If the period between early payment date and loan maturity date is more than 1 year

2.If the period between early payment date and loan maturity date is less than 1 year

c

1.If the period between early payment date and loan maturity date is more than 1 year

2.If the period between early payment date and loan maturity date is less than 1 year

9.4 Collateral change with client request

9.5 Change in the loan contract

Note

** Minimum Commission for loans is 5’000 ALL, 50 EUR, 50 USD.

Loans IR + 20 %

Payroll Overdraft IR + 22 %

0.00%

0.00%

1.00%

10 EUR

* If the amount of the Overdraft is higher than the account of Authorized overdraft.

0.50%

Mortgage Loans( Housing Loans, Reconstruction Loans, Real Estate Loans etc) Universal, Agroprogress

2.00%

1.00%

30 EUR

X. CREDIT CARD COMMISSIONS ALL FCY

10.1 Visa Credit Card

a Issuing fee 0 0

b Annual fee

b.1 OTP Payroll 1,500 10

b.2 Not OTP Payroll 2,500 20

b.3 Business Owner 2,500 20

b.4 Cash Colateral 2,500 20

c New card and PIN with Client Request 700 5

d Cash withdrawal in OTP ATM-s 2.50%

min 400 ALL

2.50%

min 3 EUR

e National and International cash withdraw in other bank’s ATM-s2.50%

min 400 ALL

2.50%

min 3 EUR

f National and International POS purchase 0 0

g Internet purchase 0 0

h Minimum Payment 5.00% 5.00%

i Overdue Interest

XI. DEBIT CARDS COMMISSIONS ALL FCY

11.1 Debit MasterCard

a Initial Member fees 0 -

b Initial member fee as part of the package 0 -

c Monthly fee 50 -

d Initial member fee for Authorized person 0 -

e Monthly fee for Authorized person 25 -

f New card and PIN with Client Request 500 -

g Card annulations 0 -

11.2 New Generation Debit MasterCard


b Monthly fee 30 -

c New card and PIN with Client Request 500 -

d Card annulations 0 -

11.3 MasterCard Gold


b Initial member fee as part of the package 300 -

c Monthly fee 300 -

d Initial member fee for Authorized person 500 -

e Monthly fee for Authorized person 150 -

f New card and PIN with Client Request 700 -

g Card annulations 0 -

11.4

a National Cash advance (outside OTP) 2.00% -

b International Cash Advance 3.00% -

c Cash withdrawal in OTP ATM-s 0 -

d National cash withdraw in other bank’s ATM-s 3.00% -

e International Cash withdraw in ATM-s 3.00% -

f Balance inquiry through OTP ATM-s 0 -

g National POS purchase 0 -

h International POS purchase 2.50% -

i Internet purchase 2.50% -

j PIN change in OTP ATM-s 0 -

k PIN change in other bank’s ATM-s 0 -

l Balance inquiry in OTP ATM-s 0 -

m Balance inquiry in other bank’s ATM-s 0 -

Note

Card interest + 22%

Joint Commission for Debit MasterCard, New Generation Debit MasterCard and MasterCard Gold

Maestro and MasterCard Standard are no longer available for sale starting October 14, 2019.

XI. DEBIT CARDS COMMISSIONS ALL FCY

11.5 Visa Gold Card

a Initial Member fees - 4

b Membership fee when sold as part of a Package 3

c Monthly fee - 3

d Initial member fee for Authorized person - 4

e Monthly fee for Authorized person - 1.5

f New card and PIN with Client Request - 4

g National Cash Withdrawal other banks - 0.00%

h International Cash Withdrawal - 3.00%

i National POS purchase - 0.00%

j International POS Purchase - 1.50%

k Internet purchase - 1.50%

l National Cash Advance - 2.00%

m International Cash Advance - 3.00%

n Cash withdrawal in OTP ATM-s - N/A

o Balance Inquiry - 0

Note

XII New Packages

12.1 SMART Package

1 with Debit MasterCard card 150 / Month

3 with MasterCard Gold card 390 / Month

4 with VISA Gold card 3.9 / Month

12.2 SALARY Package

1 with Debit MasterCard card 100 / Month

3 with MasterCard Gold card 200 / Month

4 with VISA Gold card 1.5 / Month

12.3 Loan Package 150 / Month 1.5 / Month

12.4 Student Package

1 Cash deposit from third parties to Student’s current account 2 Student Package Monthly Maintenance fee 80 / Month

12.5 Pension Pakage 80 / Month

XIII. DIFFERENTS COMMISSIONS ALL FCY

13.1 Bank confirmation for non loan 1,000 10

13.2 Recommendation letter 1,500 15

13.3 Notification for lost/stolen cheque 1,000 10

13.4 Confirmation Current account (audit issues) 2,000 20

In case of charge back request, customer should pay all commision for opening and further investigation if needed.Minimum Commission to be applied for opening 20 EUR

Free

Note: The existing packages will continue to hold the same prices: Klik Package - 190 Lekё/Month, Kompas Package - 340 Lekё/Month, Ekslkluzive Package - 590 Lekё/Month, Konekt Package - 345 Lekё/Month, Agro Package - 120 Lekё/Month, Base Premier Package /GOLD - 1/ 5 Euro/Month.

XIV. CHEQUES ALL FCY

14.1 OTP Cheques

a Issuing Bank Cheques0.15%

(min 1,000 - max 3,000)

0.15% (min 10 - max 30)

b Issuing personal Cheques 1,000 10

14.2 Payments of OTP Bank Cheque

a Presented in OTPa.1 Paid in the account 0 0

a.2 Paid in Cash0.1%

(min 300 - max 1,500)0.1%

(min 3 - max 15)

b Presented in other banks0.15%

(min 500 - max 5,000)0.15 %

(min 5 - max 50)

14.3 Payments of OTP Personal Cheque

a Presented in OTPa.1 Paid in the account 0 0


(min 300 - max 1,500)0.1%

(min 3 - max 15)


(min 500 - max 5,000)0.15 %

(min 5 - max 50)

Note

14.4 Cheques of local banks

a Payment of bank Cheques *0.15 %

(min 500 - max 5,000)0.15 %

(min 5 - max 50)

b Payment of Personal Cheques **0.15 %

(min 500 - max 5,000)0.15 %

(min 5 - max 50)

Note

14.5 Traveller's cheques

a Traveller's cheques payment at sight N/A1 %

(min 5*)

b Traveller's cheques payment for collection N/A0.5 %

(min 20 - max 100)Note

14.6 Others

a Foreign Cheques for collections * N/A0.15 %

(min 20 - max 100)b Return of unpaid cheque 1,000 10

Note

Banka OTP AlbaniaTwin TowersBul. ”Dëshmorët e Kombit”Kulla 1, Kati 9Tirana, AlbaniaTel. +355 4 2 280 442/3Mob. +355 68(69) 40 12 121www.otpbank.al

**These Terms and Conditions will become effective on July 15th 2020

*These Terms and Conditions will become effective on June 29th 2020

The commission amount is deducted from the cheque amount

The value date for the bank cheques is +2 (*) and for personal cheques +4 (**)For cheques in foreign currency the value date is determined by issuing bank

* The commission is per cheque

* We have not included the commissions for the correspondent banks and courier post


1.1 Opening 0 0

1.2 Closing 800 8


a Cash deposit for third parties from non Bank Clients * 0.1 %(min 400)

0.1 %(min 4)

b Cash Withdraws with notification (for amounts over 5,000 EUR)c Cash withdrawals without notification (for amounts over 5,000 EUR) 0.5%

min 2,000 -max 50,0000.5%

min 20 - max 500d Cash deposit in Budget Account from Bank Client 100 1

1.4 Monthly maintenance fee 400 4






2.1 Initial fee 300 32.2 Monthly fee 250 2.52.3 Commission for MOTP (Mobile One Time Password) 0 0

III. OTP / SMS ALL FCY

3.1 Initial fee 0 03.2 Monthly fee 150 1.53.3 Per message sent 7 0.05

Note

IV. SAVINGS AND TERM DEPOSIT ALL FCY ALL FCY


a Term Deposit 50,000 500b Elastic Deposits 30,000 300c Elastic Deposits closure 500 5


a Term Deposit - 0 0b Elastic Deposits 200 2


Note

V. TRESAURY BILL ALL FCY

5 Treasury Bill discounts

VI. PAYMENTS ALL FCY



a-1 Within OTP 0 0Within OTP in Budget Account 50 0.5

a-2 In the other banks500 ALL (for payments

up to 1,499,999)1,500 ALL (for payments

over 1,500,000)

0.25 %(min 15 - max 200)

(+2DV)

b International

b-1 Transfer CommissionN/A

0.25 %(min 15 - max 200)

c Common Commissions

c-1 Payments within the Value Date 0,05%min 5000 - max 20000

0.05 %(min 50 - max 200)



PROFESSIONALS TERMS AND CONDITIONS

Note

*For the payment of Insurance Policy and Social Insurance of farmer will be applied 50 ALL and 100 ALL for voluntary contribution respectively 0.5 EUR / USD and 1 EUR/ USD in foreign currency.



Free

The Client will be debited with the respective commission for the SMS received on 15th of the coming month. The account will be debited for all the SMS that the bank will send for the SMS Banking service.

0.01%

c-3 SWIFT commission N/A 10c-4 Annulations/ Modification 2,500 25c-5 Investigation 5,000 50c-6 Transit Transfer

N/A0.1%

min 10 - max 50Note


a National Transfera-1 OTP Clients

00.10 %

(min 6 - max 50)a-2 Transfer Return commission 2,000 15a-3 Investigation commission for incoming

transfers with discrepancy500 5

b International Transferb-1 OTP Clients

N/A0.10 %

(min 6 - max 50)b-2 Transfer Return commission N/A 20b-3 Investigation commission for incoming


VII. PAYMENTS THROUGH ONLINE BANKING ALL* FCY**

a National within OTP 0 0b National in other banks

b-1 Transferta 0 - 20,000 LEKË 0 N/Ab-2 Transferta 20,000 - 1,499,999 LEKË 250 N/Ab-3 Transferta mbi 1,500,000 LEKË 750 N/Ac International

N/A0.10 %

(min 5 - max 100)

VIII. Credit facility line commission ALL FCY

a Administration Fees

a-1 Secured with Time Deposit/ Treasury Bills 0.10% 0.10%a-2 Secured with Bank Guarantee 0.20% 0.20%a-3 Secured with other collateral 1.00% 1.00%b Risk fee

b-1 Secured with Time Deposit/ Treasury Bills 0.30% 0.30%b-2 Secured with Bank Guarantee 0.30% 0.30%b-3 Secured with other collateral 0.70% 0.70%c Commitment fee

c-1 Secured with Time Deposit/ Treasury Bills 0 0c-2 Secured with Bank Guarantee 0 0c-3 Secured with other collateral 1.00% 1.00%

IX. FEES & COMMISSIONS LOANS ALL FCY

9.1 Administration Feesa Cash Collateral 0.50% 0.50%b Express

[0-1] years 2.50% N/A

[1-2] years 2.50% N/A

[2-3] years 2.50% N/A

[3-5] years 2.00% N/A

[5-7] years 2.00% N/Ac Working Capital / Overdraft 1.25% 1.50%d Working Capital / Term Loan 1.25% 1.50%e Fixed Assets 1.25% 1.50%f Leasing 1.50% 1.50%

9.2 Penalties for overdue Loans

9.3 Early payment of loan fee 3.00% 3.00%9.4 Commission in case of change of collateral 5,000 509.5 Renewal of Credit Line -Administration fee 0.50% 0.50%

X. CARDS COMMISSIONS ALL FCY

IR + 20%

When the commissions are “OUR”, we have to add the correspondent bank expenses. For the payments in GBP and in CHF the commission “OUR” will be the equivalent of 25 GBP / CHF according to the currency of the transfer. We have not included the commission of the other banks that have to be paid by the client.

10.1 Professional MasterCard

a Initial Member fees 500b Monthly fee 200c Initial Member fee for more than one card 500d Monthly fee for more than one card 100e New Card and PIN with client request 700f Card annulation 0g Balance inquiry through OTP ATM 0

10.2 Common Commission

a National Cash advance (outside OTP) 2.00%b International Cash Advance 3.00%c Cash withdraw OTP ATM-s 0d National Cash withdraw Other ATM-s 3.00%e International Cash withdraw ATM 3.00%

Balance inquiry through OTP AtM N/Af National POS purchase 0g International POS purchase 2.50%h Internet purchase 2.50%j PIN change in OTP ATM-s 0k PIN change in other bank's ATM-s 0l Balance inquiry in OTP ATM-s 0

m Balance inquiry in other bank's ATM-s 0

XI. DIFFERENTS COMMISSIONS ALL FCY

a Bank confirmation for non loan 1,000 10b Recommendation letter 1,500 15c Notification for lost/stolen cheques 500 5d Confirmation Current account (audit issues). 2,000 20

XII. PACKAGES ALL FCY

a PRO Package 450 / Muaj

Shenim

XIII. CHEQUES ALL FCY

13.1 OTP Cheques

a Issuing Bank Cheques 0.15%(min 1,000 - max 3,000)

0.15% (min 10 - max 30)

b Issuing personal Cheques 1,000 1013.2 Payments of OTP Bank Cheque

a Presented in OTP 0 0a.1 Paid in the account 0 0a.2 Paid in Cash 0.1%

(min 300 - max 1,500)0.1%

(min 3 - max 15)b Presented in other banks 0.15%

(min 500 - max 5,000)0.15 %

(min 5 - max 50)13.3 Payments of OTP Personal Cheque

a Presented in OTPa.1 Paid in the account 0 0a.2 Paid in Cash 0.1%

(min 300 - max 1,500)0.1%

(min 3 - max 15)b Presented in other banks 0.15%

(min 500 - max 5,000)0.15 %

(min 5 - max 50)Note


a Payment of bank Cheques * 0.15 %(min 500 - max 5,000)

0.15 %(min 5 - max 50)

b Payment of Personal Cheques ** 0.15 %(min 500 - max 5,000)

0.15 %(min 5 - max 50)

Note


1. Client shall pay 50% of the membership fee for the card if the card is part of the package and 100% of the membership fee for the card if the card is not part of the package.2. Profit existing package will continue to maintain the same price of 560 Lekё / Month.

The commission amount is deducted from the cheque amount

The value date for the bank cheques is +2 (*) and for personal cheques +4 (**)

a Traveller's cheques payment at sightN/A

1 %(min 5*)

b Traveller's cheques payment for collectionN/A

0.5 %(min 20 - max 100)

Note

13.6 Others

a Foreign Cheques for collections *N/A

0.15 %(min 20 - max 100)

b Return of unpaid cheque N/A 20Note

Banka OTP Albania Sh. a.Twin TowersBlv. ”Dëshmorët e Kombit”Kulla 1, Kati 9Tirana, AlbaniaTel. +355 4 2 280 442/3Mob. +355 68(69) 40 12 121www.otpbank.al

*These Terms and Conditions will become effective on the June, 29th 2020

* The commission is per cheque

**These Terms and Conditions will become effective on the July, 15th 2020

* We have not included the commissions for the correspondent banks and courier post


1.1 Opening 0 0

1.2 Closing 1,500 15


a Cash deposit from non Bank Clients *0.1 %

(min 300)

0.1 %

(min 3)

b Cash Withdraws with notification (for amounts over 1,500,000 ALL / 15,000 EUR) 0.025%

(min 1,000 - max 5,000)

0.025%

(min 10 - max 50)

c Cash withdrawals without notification (for amounts over 1,500,000 ALL / 15,000 EUR)0.15 %

(min 1,000 - max 30,000)

0.15 %

(min 10 - max 300)




1.7 Automatic payment order per transaction 150 1.5






2.4 Smart Card 9,000 90

2.5 New Smart Card in case of lost/stolen 7,000 70


3.1 Initial fee 0 0

3.2 Monthly fee 300 3

3.3 Per message sent 10 0.07

Note

IV. SAVINGS AND TERM DEPOSIT ALL FCY




c Elastic Deposits closure 1,500 15


a Term Deposit 0 0



Note



SME TERMS AND CONDITIONS

Note

*For the payment of Insurance Policy and Social Insurance of farmer will be applied 50 ALL and 100 ALL for voluntary contribution

respectively 0.5 EUR / USD and 1 EUR/ USD in foreign currency.


The Client will be debited with the respective commission for the SMS received on 15th of the coming month.

The account will be debited for all the SMS that the bank will send for the SMS Banking service.



Free




a-1 Within OTP 20 0.2


500 ALL (for payments up

to 1,499,999)

1,500 ALL (for payments

over 1,500,000)

0.25 %

(min 15 - max 200)

(+2 VD)

b International


(min 15 - max 200)


c-1 Payments within the Value Date 2,5000.03%

(min 50 - max 200)




c-5 Investigation 5,000 50


(min 10 - max 50)

Note


a National Transfer

a-1 OTP Clients 00.15%

(min 7 - max 70)


a-3 Investigation commission for incoming



b-1 OTP Clients N/A0.15%

(min 7 - max 70)


b-3 Investigation commission for incoming





b-1 Transfers 0- 20,000 ALL 00.15 %

(min 10 - max 130)

b-2 Transfers up to 20,001- 1’499’999 ALL 2500.15 %

(min 10 - max 130)

b-3 Transfers over 1’500’000 ALL 7500.15 %

(min 10 - max 130)

c International N/A0.25 %

(min 15 - max 200)


VIII. PAYMENTS THROUGH E - MTO ALL FCY



b-1 Transfers 0 - 1’499’999 ALL 5000.25 %

(min 15 - max 200)

b-2 Transfers 20,001 - 1,499,999 5000.25 %

(min 15 - max 200)


(min 15 - max 200)


(min 15 - max 200)

When the commissions are “OUR”, we have to add the correspondent bank expenses. For the payments in GBP and in CHF the

commission “OUR” will be the equivalent of 25 GBP / CHF according to the currency of the transfer. We have not included the

commission of the other banks that have to be paid by the client

IX. Credit Facility Line Commissions ALL FCY

a

a-1 - Secured with Time Deposits / Treasury Bills *

a-2 - Secured with Bank Guarantee **

a-3 - Secured with Other Collateral

b

b-1 - Secured with Time Deposits / Treasury Bills *

b-2 - Secured with Bank Guarantee **

b-3 - Secured with Other Collateral

c Commitment Fee

c-1 - Secured with Time Deposits / Treasury Bills *

c-2 - Secured with Bank Guarantee **

c-3 - Secured with Other Collateral

Note

X. AUTOMATIC MAIL SERVICE ALL FCY

10.1 Daily account statement (monthly applicable 300 3

10.2 Monthly account statement (monthly applicable 300 3

10.3 SWIFT message delivery (yearly fee) N/A 10 EUR

XI. FEES & COMMISSIONS LOANS ALL FCY

11.1 Administration Fees

a Overdrafts (Cash Collateral) 0.50% 0.50%

b Overdrafts (Mortgage) 1.50% 1.25%

c Ovedrafts (Other) 1.50% 1.25%

d Fixed assets (Cash Collateral) 0.50% 0.50%

e Fixed Assets (Mortgage) 1.25% 1.25%

f Fixed Assets (Other) 1.25% 1.25%

g Transport and Equipment Leasing 1.50% 1.50%


11.3 Early payment of loan fee

11.4 Commission in case of change of collateral 10,000 100

11.5 Renewal of Credit Line - Administration fee

XII. CARDS COMMISSIONS ALL FCY

12.1 Business MasterCard

a Initial member fee for the first card 1,000 -

b Monthly fee for the first card 300 -

c Initial member fee per additional card over the first one 500 -

d Monthly fee per additional card over the first one 150 -

e New Card and PIN with client request 700 -

f Card annulations 0 -

g Balance inquiry for OTP ATM

12.2 Common Commissions other then above



c Cash withdraw OTP ATM-s 0 -

d National Cash withdraw Other ATM-s 3.00% -

e International Cash withdraw ATM 3.00% -

f Balance inquiry through OTP ATM N/A -



i Internet purchase 2.50%

j PIN change in OTP ATM-s 0

k PIN change in other bank's ATM-s 0

l Balance inquiry in OTP ATM-s 0

m Balance inquiry in other bank's ATM-s 0 -

* If cash is free in C/A than none of the above will be applied

** Upon Bank's Discretion

0.00%

Administration Fee

Risk Fee

0.10%

0.20%

1.00%

0.3% p.q

0.3% p.q

0.7% p.q

0.00%

0.50%

1.00% p.a

IR + 20%

3.00%

XVII. PACKAGES ALL FCY

13.1 EVOLUTION SMS / NET 710 ALL / Month -

Note

XIV. DIFFERENTS COMMISSIONS ALL FCY



14.3 Notification for lost/stolen cheque 500 5

14.4 Confirmation Current account (for audit issues) 2,000 20

XV. CHEQUES ALL FCY

15.1 OTP Cheques


(min 2,000 - max 10,000)

0.2%

(min 20 - max 100)


15.2 Payments of Bank Cheque

a Presented in OTP

a.1 Paid in the account 0 0


(min 300 - max 1,500)

0.1%

(min 3 - max 15)


(min 500 - max 5,000)

0.15%

(min 5 - max 50)

15.3 Payments of Personal Cheque

a Presented in OTP



(min 300 - max 1,500)

0.1%

(min 3 - max 15)


(min 500 - max 5,000)

0.15%

(min 5 - max 50)

Note The commission amount is deducted from the cheque amount



(min 1,000 - max 10,000)

0.15%

(min 5 - max 50)


(min 1,000 - max 10,000)

0.2%

(min 50 - max 200)

Note



(min 5*)


(min 20 - max 100)

Note * The commission is per cheque

15.6 Others

a Foreign Cheques for collections * N/A0.2%

(min 20 - max 150)

b Return of unpaid cheque N/A 50

Note * We have not included the commissions for the correspondent banks and courier post

Note

OTP Bank AlbaniaTwin TowersBul. ”Dëshmorët e Kombit”Kulla 1, Kati 9Tirana, AlbaniaTel. +355 4 2 280 442/3Mob. +355 68(69) 40 12 121www.otpbank.al

The package doesn’t include the additional card. The additional card will be charged according to the price list. The client will pay 50% of the

initial fee of the first card if it is inside the packages

For Trade Finance Products (Bank Guarantees, Letters of Credits and Documents for Collection), please refer to the

terms and conditions for Business Clients.


The value date for the bank cheques is +2 (*) and for personal cheques +4 (**)

For cheques in foreign currency the value date is determined by issuing bank



1.1 Opening 0 0

1.2 Closing 900 9


a Cash deposit from non Bank Clients *0.1 %

(min 400)0.1 %

(min 4)b Cash Withdraws with notification (for amounts over 10,000 EUR) 0.01% 0.01%

c Cash withdrawals without notification (for amounts over 10,000 EUR) 0.5 %

(min 2,000 - max 50,000)0.5 %

(min 20 - max 500)

d Cash deposit in Budget Account from Bank Client 100 1










2.4 Smart Card 9,000 90

2.5 New Smart Card in case of lost/stolen 7,000 70

III. SOGE / SMS ALL FCY

3.1 Initial fee 0 0


3.3 Per message sent7

(VAT included)0.05

Note

IV. SAVINGS AND TERM DEPOSIT ALL FCY




c Elastic Deposits closure 500 5


a Term Deposit 0 0



Note




Free

VSB TERMS AND CONDITIONS

Note

*For the payment of Insurance Policy and Social Insurance of farmer will be applied 50 ALL and 100 ALL for voluntary contributionrespectively 0.5 EUR / USD and 1 EUR/ USD in foreign currency.


The Client will be debited with the respective commission for the SMS received on 15th of the coming month.The account will be debited for all the SMS that the bank will send for the SMS Banking service.





a-1 Within OTP 0 0

a-2 Within OTP in Budget Account 50 0.5


500 ALL (for payments up to 1,499,999)

1,500 ALL (for payments over 1,500,000)

0.25 %(min 15 - max 200)

(+2 VD)

b International


(min 15 - max 200)


c-1 Payments within the Value Date0.05%

(min 5,000 - max 20,000)0.05%

(min 50 - max 200)






(min 10 - max 50)

Note


a National Transfer


(min 6 - max 50)


a-3 Investigation commission for incoming transfers with discrepancy

500 5



(min 6 - max 50)


b-3 Investigation commission for incoming transfers with discrepancy

500 5




b-1 Transferta 0 - 20,000 LEKË 0 N/A

b-2 Transferta 20,000 - 1,499,999 LEKË 250 N/A

b-3 Transferta mbi 1,500,000 LEKË 750

c Domestic & International outgoing transfers N/A0.15 %

(min 10 - max 100)




b-1 Transfers 0 - 20,000 ALL 5000.25 %

(min 15 - max 200)

b-2 Transfers up20,001 - 1’499’999 ALL 5000.25 %

(min 15 - max 200)


(min 15 - max 200)


(min 15 - max 200)

When the commissions are “OUR”, we have to add the correspondent bank expenses. For the payments in GBP and in CHF thecommission “OUR” will be the equivalent of 25 GBP / CHF according to the currency of the transfer. We have not included thecommission of the other banks that have to be paid by the client


a




b




c Commitment Fee




Note

X. AUTOMATIC MAIL SERVICE ALL FCY




XI. FEES & COMMISSIONS LOANS ALL FCY



b Overdrafts (Mortgage) 1.50% 1.25%

c Ovedrafts (Other) 1.50% 1.25%

d Fixed assets (Cash Collateral) 0.50% 0.50%

e Fixed Assets (Mortgage) 1.25% 1.25%

f Fixed Assets (Other) 1.25% 1.25%

g Transport and Equipment Leasing 1.50% 1.50%




11.5 Renewal of Credit Line - Administration fee

XII. CARDS COMMISSIONS ALL FCY






















0.7% p.q

0.00%

0.50%

1.00% p.a

IR + 20%

3.00%

* If cash is free in C/A than none of the above will be applied** Upon Bank's Discretion

0.00%

Administration Fee

Risk Fee

0.10%

0.20%

1.00%

0.3% p.q

0.3% p.q


13.1 VIZION Package

Note

XIV. DIFFERENTS COMMISSIONS ALL FCY





XV. CHEQUES ALL FCY

15.1 OTP Cheques


(min 1,000 - max 3,000)0.15%

(min 10 - max 30)



a Presented in OTP



(min 300 - max 1,500)0.1%

(min 3 - max 15)


(min 500 - max 5,000)0.1%

(min 5 - max 50)


a Presented in OTP



(min 300 - max 1,500)0.1%

(min 3 - max 15)


(min 500 max 5,000)0.1%

(min 5 - max 50)




(min 500 - max 5,000)0.15%

(min 5 - max 50)


(min 500 - max 5,000)0.15%

(min 5 - max 50)

Note



(min 5*)


(min 20 - max 100)


15.6 Others


(min 5 - max 50)


Note* We have not included the commissions for the correspondent banks and courier post

Note

OTP Bank AlbaniaTwin TowersBul. ”Dëshmorët e Kombit”Kulla 1, Kati 9Tirana, AlbaniaTel. +355 4 2 280 442/3Mob. +355 68(69) 40 12 121www.otpbank.al

For Trade Finance Products (Bank Guarantees, Letters of Credits and Documents for Collection), please refer to the terms and conditions for Business Clients.

550 ALL / Month


The value date for the bank cheques is +2 (*) and for personal cheques +4 (**)For cheques in foreign currency the value date is determined by issuing bank


1. The package doesn’t include the additional card. The additional card will be charged according to the price list. The client will pay 50%.of the initial fee of the first card if it is inside the packages.2. The existing Evolution Package will continue to hold the same price of 710 ALL / Month.


1.1 Opening 0 0

1.2 Closing 3,000 30


a Cash deposit from non Bank Clients *0.1%

(min 300)

0.1%

(min 3)

bCash Withdraws with notification (for amounts over 1,500,000 ALL / 15,000

EUR)

0.025%

(min 1,000 - max 5,000)

0.025%

(min 10 - max 50)

cCash withdrawals without notification (for amounts over 1,500,000 ALL / 15,000

EUR)

0.15 %

(min 1,000 - max 30,000)

0.15 %

(min 10 - max 300)




1.7 Automatic payment order per transaction 150 1.5



2.1 Initial fee

a Viewer 1,000 10

b Single User 1,000 10

c Multi User 2,000 20

d Multi Level Signing 2,000 20

2.2 Monthly fee

a Viewer 600 5

b Single User 1,000 10

c Multi User 1,000 10

d Multi Level Signing 1,000 10

2.3 Fee per transaction - -

2.4 Smart Card 9,000 90

2.5 New Smart Card in case of lost/stolen (Only for SME Clients) 7,000 70

2.6 Commission for MOPT (Mobile One Time Password) 700 7

Note


3.1 Initial fee 0 0

3.2 Monthly fee 300 3

3.3 Per message sent 10 0.07

Note

IV. SAVINGS AND TERM DEPOSIT ALL FCY ALL FCY




c Elastic Deposits closure 1,500 15


a Term Deposit - 0 0


Note



CORPORATE TERMS AND CONDITIONS

Note

*For the payment of Insurance Policy and Social Insurance of farmer will be applied 50 ALL and 100 ALL for voluntary contribution respectively

0.5 EUR / USD and 1 EUR/ USD in foreign currency.


Clients account will be debited the 15th of the coming month.

The account will be debited for all the SMS that the bank will send for the SMS Banking service.

The payments in ALL, within the day, must be ordered up to 12:00 a.m. The payments in FCY, within the day, must be ordered up to 10:00 am

If the client will close the Term Deposit before the maturity date, the interest rate of the deposit will be the same with the current account interest

rate


Free




a-1 Within OTP 20 0.2


500 ALL (for payments up

to 1,499,999)

1,500 ALL (for payments

over 1,500,000)

0.25 %

(min 15 - max 200)

(+2 VD)

b International


(min 15 - max 200)


c-1 Payments within the Value Date 2,5000.03%

(min 50 - max 200)






(min 10 - max 50)

Note


a National Transfer


(min 7 - max 70)


a-3 Investigation commission for incoming




(min 7 - max 70)


b-3 Investigation commission for incoming





b-1 Transfers 0 - 20,000 ALL 00.15 %

(min 10 - max 130)

b-2 Transfers 20,001 - 1,499,999 ALL 2500.15 %

(min 10 - max 130)


(min 10 - max 130)


(min 10 - max 130)

c-1 Swift commission N/A 7




Transfers up to 1’499’999 ALL 5000.25 %

(min 15 - max 200)

Transfers over 1’500’000 ALL 15000.25 %

(min 15 - max 200)


(min 15 - max 200)

When the commissions are “OUR”, we have to add the correspondent bank expenses. For the payments in GBP and in CHF the commission

“OUR” will be the equivalent of 25 GBP / CHF according to the currency of the transfer.

We have not included the commission of the other banks that have to be paid by the client.

In case of Urgent payments the commission is for the Debit interest of the Current Account for non authorized Overdraft currency.


a




b




c Commitment Fee




Note

X. LETTER OF CREDIT ALL FCY

10.1 IMPORT

a Preadvice 0

b Issuing Letter of Credit 0.20% (min 200 EUR )

c Payment at sight0.20%

(min 50 EUR)

d Deferred payment0.15%

(min 50 EUR)

e Amendment 50 EUR

f Examination of Docs0.10%

(min 100 EUR)

g Cancelation 50 EUR

h Swift fee 10 EUR

i Discrepancies of documents 50 EUR

10.2 EXPORT

a Advising Letter of Credit 0.20% (min 200 EUR )

b Confirmation Comm. subject to arrangement

c Examination of documents and payment0.10%

(min 100 EUR)

d Amendment 50 EUR

e Handling Docs 50 EUR

f Cancelation 50 EUR

g Swift Commission 10 EUR

h Advising the Letter of Credit to another bank 0.1% (min 100 EUR)

Note

* If cash is free in C/A than none of the above will be applied

** Upon Bank's Discretion

These commissions don’t include the Mail Comm.

0.00%

Administration Fee

Risk Fee

0.10%

0.20%

1.00%

0.3% p.q

0.3% p.q

0.7% p.q

0.00%

1.00% p.a

XI. BANK GUARANTEE ALL FCY

a-1 Under full cash coverage in ALL*

1 Standard text 3,000 30 EUR

2 Non-Standard text 6,000 60 EUR

3 Amendament 2,000 70 EUR

4 Payment for claims0.40%

(min 2,000 - max 20,000)

0.25%

(min 50 - max 500 EUR)

5 BG Line fee* 0.2% (min ALL 7,000) 0.2% (min EUR 70)

6 SWIFT n/a 10 EUR

b Under guarantee Line

1 Standard text

2 Non-Standard text

3 Amendament

4 Payment for claims

5 Swift 10 EUR

c Guarantee from other bank

1 Advising without committement 150 EUR

2 Amendament 10 EUR



4 Swift 10 EUR

d Under counter guarantee from other bank

1 Issuing Fee0.10 % p.q

(min. 150 EUR)

2 Commitment Fee0.40% p.q

(m. 100 EUR)

3 Amendament 50 EUR



5 Swift 10 EUR

XII. DOCUMENTARY COLLECTION ALL FCY

12.1 Export Document

a Document Delivery0.15%

(min 50 EUR - max 200 EUR)

b Payment Commission 0.30% (min 50 EUR)

c Swift 10 EUR

12.2 Import Documents

a Notification0.30%


b Payment at sight0.25%


c Payment against acceptence0.20%


d Cancelation 50 EUR

e Delivery of document from Trade Finance (free of payment) 150 EUR

f Swift 10 EUR

Note

XIII. DROP BOX SERVICE ALL FCY

13.1 Subscription Fee (yearly fee) 7,000 N/A

XIV. AUTOMATIC MAIL SERVICE ALL FCY




NoteThe Mail commissions are not included.The quarterly commissions are taken at the beginning of the quarter.

*BG line is applicable only for funds blocked in current account

Mail service commissions and correspondent banks commissions are not included.

30 EUR

50 EUR

50 EUR

0.25%


XV. FEES & COMMISSIONS LOANS ALL FCY



b Fixed Assets (Cash Collateral) 1.00% 1.00%

c Mortgate 1.00% 1.00%

d Other 1.00% 1.00%

e Leasing 1.25% 1.25%




15.5 Renewal of Credit Line –Administration fee

15.6 Commitment fees 1.50% 1.20%

XVI. CARDS COMMISSIONS ALL FCY























17.1 EVOLUTION SMS / NET

17.2 EVOLUTION Transaction

Note

XVIII. DIFFERENTS COMMISSIONS ALL FCY





18.5 *Reconciliation of monthly payments for Financial Institution 65,000 500

*Note

710 ALL / Month

1,400 ALL / Month

The package Evolution OTP SMS/NET includes: Current account in ALL, MasterCard Business Card and E-Banking (Viewer), SMS Banking.

The package Evolution Transaction Includes: Current Account in ALL, MasterCard Business Card and E-Banking (Single User and Multi User or

Multi Level Signing User).

The package doesn’t include the additional card. The additional card will be charged according to the price list. The client will pay 50% of the

initial fee of the first card if it is inside the packages.

Applied for every 200 reconciled payments.

0.50%

Loan interest + 20%

3.00%

XIX. CHEQUES ALL FCY

19.1 OTP Cheques


(min 2,000 - max 10,000)

0.2%

(min 20 - max 100)



a Presented in OTP 0 0

b Paid in Cash with notification (for amounts over 5,000 EUR) 0.03% (min 1,000) 0.03% (min 10)

c Paid in Cash without notification (for amounts over 5,000 EUR)0.5 %

(min 2,000 - max 50,000)

0.5%

(min 20 - max 500)

d Presented in other banks 00.15 %

(min 5 - max 50)


a Presented in OTP 0 0

b Paid in Cash with notification (for amounts over 5,000 EUR) 0.03% (min 1,000) 0.03% (min 10)

c Paid in Cash without notification (for amounts over 5,000 EUR)0.5 %

(min 2,000 - max 50,000)

0.5%

(min 20 - max 500)

d Presented in other banks 00.15 %

(min 5 - max 50)




(min 1000 - max 10,000)

0.15%

(min 5 - max 50)

b Payment of Personal Cheques **0.2%

(min 1,000 - max 10,000)

0.2%

(min 50 - max 200)

NoteThe value date for the bank cheques is +2 (*) and for personal cheques +4 (**)

For cheques in foreign currency the value date is determined by issuing bank



(min 5*)


(min 20 - max 100)


19.6 Others


(min 20 - max 150)


Note* We have not included the commissions for the correspondent banks and

courier post

XX. Swift services

20.1 Mt 101 service

a Implementation fee (one time fee)

Banka OTP Albania Sh. a.

Twin Towers

Bul. ”Dëshmorët e Kombit”

Kulla 1, Kati 9

Tirana, Albania

Tel. +355 4 2 280 442/3

Mob. +355 68(69) 40 12 121

www.otpbank.al

EUR 150



LEKE / ALL MH / FCY LEKE / ALL MH / FCY

100 1 100 1

LEKE / ALL MH / FCY LEKE / ALL MH / FCY LEKE / ALL MH / FCY LEKE / ALL MH / FCY

0.1% min

400

0.1% min

4

0.1% min

500

0.1% min

5

0.1% min

500

0.1% min

5

0.1% min

500

0.1% min

5

Shënim:

Note:


200 2 200 2 200 2 200 2


100 1 100 1 100 1 100 1

OTP Bank AlbaniaTwin TowersBul. ”Dëshmorët e Kombit”Kulla 1, Kati 9Tirana, AlbaniaTel. +355 4 2 280 442/3Mob. +355 68(69) 40 12 121Fax. +355 4 2 280 441www.otpbank.al

Derdhje në llogari të buxhetit nga Klientë të Bankës. 3.

Cash deposit in Budget Account from Bank Client.

Derdhje në llogari për të tretë nga Jo Klientë (përfshirë derdhjet për llogaritë e buxhetit).*

Cash deposit in its own account or third parties’ account from Bank Clients.

Cash deposit for third parties from Non-Bank Clients (incl. cash deposits for budget account).

CORPORATE / SME

LEKE / ALL

100

2.

1.

Individual

No commission will be applied for cash deposits regarding payments of the bank's customers' loan installments.*

VSB SME / CORPORATE

KUSHTET E PUNËS NË OTP BANK DITËN E SHTUNËOTP BANK TERMS AND CONDITIONS ON SATURDAY

Derdhje në llogari personale ose llogari për të tretë nga Klientë të Bankës.*

VSB

PRO

MH / FCY

1

Për derdhjet për pagesat e këstit të kredive të klientëve të bankës, nuk do të aplikohet komisioni*

Withdrawal without notification under threshold. (threshold)*

CORPORATE

(€15,000)*

PRO VSB SME CORPORATE

PRO

(€5,000)*

VSB

(€10,000)*

SME

(€15,000)*

Effective as of November 20th, 2018Në fuqi duke filluar nga dt. 20 nëntor 2018

Kujdes! Të gjitha kushtet e mësipërme aplikohen vetëm në degët e rrjetit OTP të cilat janë hapur ditën e shtunë.

Attention! All of the above terms & conditions apply only to OTP branches that are open on Saturday.

Tёrheqje cash pa njoftim nёn limitin e paracaktuar. (limiti)*4.