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Service Fee Booklet En Feb17 R10

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Service Fee Booklet En Feb17 R10 P1 Bank Service Fees Guide BANK SERVICE FEES GUIDE EFFECTIVE FROM MARCH 2017 P2 Personal Deposit Account Monthly Maintenance Fee* Charge HKD Current / Passbook / Statement Savings Account - average daily total relationship balance below HK$60 per account HK$5,000 or equivalent per month RMB Current / Passbook / Statement Savings Account - average daily total relationship balance below RMB60 per account HK$5,000 or equivalent per month Integrated Account / Smart Account - average daily total relationship balance below HK$60 per account HK$10,000 or equivalent per month OCBC Wing Hang Elite Gold Banking Account - average daily total relationship balance below HK$200 per account HK$1,000,000 or equivalent per month * Remarks : (1) The Bank will calculate the average daily total relationship balance of the account(s) on a monthly basis. (2) The average daily total relationship balance is calculated based on the aggregate of a customer’s account (s) with the Bank: • The balance includes: a) all currencies and gold (include 99 Fine Gold, Gold Maple Leaf and Ounce Gold) passbook savings, statement savings, current and time deposit; b) the market value or closing price (as determined by the Bank at its absolute discretion) of securities and all investment holdings of investment account (s) ; • The balance of personal accounts should be held under the same name and with the same Hong Kong Identity Card number; • If the customer holds a joint account, the total balance of such account will also be included in the calculation of average daily total relationship balance of account(s). (3) The Bank will waive the monthly account maintenance fee for the following customers: a) Account holders aged below 18; b) Hong Kong citizens aged 65 or above; c) Recipients of Comprehensive Social Security Assistance (CSSA), recipients of Government Disability Allowance (customers should provide supporting documents to the Bank); d) Designated customers of the Bank including low income earners (customers are required to sign a declaration of low income earns); e) Customers of auto/ equipment finance, standby overdraft and life insurance (arranged via Hong Kong Life Insurance Limited). (4) For joint accounts, if either one of the account holders is aged below 18, senior citizen, or recipient of government social security support (the customer should provide supporting documents to the Bank), the Bank will waive the monthly account maintenance fee. (5) If any of the products / services mentioned in Note 3e is held under joint names (A&B), it will have the following results: • All other customer accounts held under the sole name (e.g. A) of joint account holder are exempted from the average daily total relationship balance requirement; • All other joint customers (e.g. A&B) held under same joint status are exempted; • Joint account held with another parties (A&C or A&B&C) will not be exempted. (6) The monthly account maintenance fee will be debited to customer’s primary account on the rst business day of the third week of the following month. The Bank also reserves the right to recover the unpaid monthly account maintenance fee out of any sub-account other than the primary account. If the monthly account maintenance fee cannot be debited from any deposit account of the customer, it will be accumulated to debit on the next month. Corporate Deposit Account Monthly Maintenance Fee* Charge HKD Current / Passbook / Statement Savings Account - average daily total relationship balance below HK$80 per account HK$50,000 or equivalent per month RMB Current / Passbook / Statement Savings Account - average daily total relationship balance below RMB80 per account HK$50,000 or equivalent per month Business Integrated Account - average daily total relationship balance below HK$150 per account HK$50,000 or equivalent per month Business Account / Foreign Business Account - average daily total relationship balance below HK$500 per account HK$100,000 or equivalent per month * Remarks : (1) The Bank will calculate the average daily total relationship balance of the account(s) on a monthly basis. (2) The average daily total relationship balance is calculated based on the aggregate of a customer’s account (s) with the Bank: • The balance includes: a) all currencies and gold (include 99 Fine Gold, Gold Maple Leaf and Ounce Gold) passbook savings, statement savings, current and time deposit; b) the market value or closing price (as determined by the Bank at its absolute discretion) of securities and all investment holdings of investment account (s) ; • The balance of corporate accounts should be held under the same name and with the same Business Registration Certicate number; (3) The Bank will waive the monthly account maintenance fee for customers of auto / equipment nance, standby overdraft facilities and bills facilities. (4) The monthly account maintenance fee will be debited to customer’s primary account on the rst business day of the third week of the following month. The Bank also reserves the right to recover the unpaid monthly account maintenance fee out of any sub-account other than the primary account. If the monthly account maintenance fee cannot be debited from any deposit account of the customer, it will be accumulated to debit on the next month. OCBC Wing Hang Bank Limited PH92 03/17 PH92 P3 Current Account Charge Stop payment of cheque# HK$100 / RMB100 / US$12 per cheque* Cancel stop payment of cheque# HK$100 / RMB100 / US$12 per cheque* Account closed within 3 months HK$200 / RMB200 / US$25 per account from date of account opening Returned cheque# - insufficient funds HK$150 / RMB200 / US$20 per cheque* - other technical errors HK$100 / RMB100 / US$13 per cheque* (except post-dated cheque) - exceed the daily limit RMB200 per cheque (RMB 80,000) * Subject to the currency of the cheque Unauthorized overdraft# - HKD Current Account Handling charge of HK$120 per HKD cheque and electronic payment respectively, and overdraft interest at OCBC Wing Hang Prime Lending Rate or overnight HIBOR rate (Hong Kong Inter-Bank Offer Rate), whichever is higher, plus 9% p.a. - RMB Current Account Handling charge of RMB120 per RMB cheque and electronic payment respectively and overdraft interest at overnight SHIBOR (Shanghai Inter-Bank Offer Rate) plus 9% p.a. - USD Current Account Handling charge of US$15 per USD cheque and electronic payment respectively, and overdraft interest at USD Prime Lending Rate or overnight LIBOR rate (London Inter-Bank Offer Rate), whichever is higher, plus 9% p.a. RMB cheque handling# - transfer / cash deposit to settle 1% on the total amount of transfer / deposit the shortfall (minimum: RMB200) Mailing of cheque book HK$25 or RMB equivalent or USD equivalent for one cheque book and HK$5 or RMB equivalent or USD equivalent for every additional cheque book Inward direct debit returned HK$150 / RMB150 per item Deposit / withdrawal of USD 0.25% on total amount per transaction banknotes to / from USD account (Minimum : HK$50) #Remarks: Applicable to Paper Cheque & e-Cheque Savings / Statement Savings Account Charge Minimum Charge Deposit/withdrawal of foreign currency banknotes to/from foreign currency account - USD ( except banknote 0.25% of the total amount per HK$50 account) transaction - AUD, CAD, CHF, EUR, GBP, 0.375% of the total amount per HK$50 JPY, NZD, SGD transaction - Other currencies subject to buying / selling of N/A HKD notes Account closed within 3 HK$150 or equivalent N/A months from date of account opening Re-issue of passbook HK$100 per passbook N/A Inward direct debit returned HK$150 / RMB150 per item N/A Corporate Account Charge Minimum Charge Account opening fee - Local company account HK$1,200 per account N/A - Overseas company account* HK$10,000 per account N/A Special company account handling fee - Company with 3 or more HK$10,000 N/A layers in its structure Courier service fee HK$300 per time N/A * Definition of "Overseas Company" includes: 1) Company not registered in Hong Kong under Part 16 of Company Ordinance (applicable to limited companies only) and the Business Registration Ordinance, or 2) Hong Kong Incorporated Companies with corporate shareholder(s) and/or corporate director(s) that are incorporated overseas P4 Credit Card Interest Rates and Interest Charges / Fees Annualised Percentage 19.06% - 33.21% when you open your account and it Rate (APR) for Retail will be reviewed from time to time. We will not charge Purchase1 you interest if you pay your balance in full by the due date each month. Otherwise, interest will be charged on the unpaid balance of the previous statement outstanding on each day from the date of the previous statement on a daily basis until repayment in full. APR for Cash Advance1 21.00% - 36.70% when you open your account and it will be reviewed from time to time. Interest will be charged on the amount of cash advance from the date of the transaction on a daily basis until repayment in full. Delinquent APR 40.76% (Retail Purchase) and 45.21% (Cash Advance) it may be applied to your account if you fail to pay the Minimum Payment in full on or before the Payment Due Date as shown on a statement, starting from the date of the next second statement following such statement. After all outstanding Minimum Payment has been paid, interest rate will be reverted to its normal rate starting from the date of the next statement following such payment. Interest Free Period - Up to 54 days on retail purchase - No interest free period on cash advance and balance transfer Minimum Payment All interest and fees and charges including without limitation Annual Membership Fees that may be charged, plus 1% (or such higher percentage as we specify) of outstanding principal, plus the amount exceeds the credit limit (if any) and the overdue amount (if any), subject to a minimum charge of HK$100, provided always that the Minimum Payment shall be determined by us in accordance with our usual practice and specied by us from time to time.
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