Business Terms and Conditions

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Business Terms and Conditions RBG.6-T-003 Business Terms and Conditions A. Accounts 1. Current Accounts 1.1 Currencies LEK, USD, EUR, CHF, GBP, AUD, CAD 1.2 Account Opening Free of Charge 1.3 Account Maintenance 1.3.1 Standard 300 ALL (2.5 Eur/Usd/Gpb/Chf/Aud/Cad) / monthly 1.3.2 Loan account Free of Charge 1.4 Account Closing 1.4.1 Within 3 (three) months from the account opening date 1'500 Lek (or equivalent) 1.4.2 After 3 (three) months from the account opening date Free of Charge 1.5 Minimum Balance 1.5.1 Standard 5'000 Lek, 50 Eur/Usd/Gbp/Chf/Aud/Cad 1.5.2 Loan account 0 1.5.3 Loan account for Fondi Besa Business customers* 100 ALL (1 Eur/Usd/Gpb/Chf/Aud/Cad) / monthly * Loan account for Fondi Besa Business customers are subject of standard terms and conditions for retail Customers except minimum balance. 1.6 Account Statement 1.6.1 Sent automatically by the sistem to the email address Free of Charge 1.6.2 Printed in BKT branches: 1.6.2.1 1 per week 0- 10 pages Free of Charge+ 5lek/every extra page 1.6.2.2 other 300 Lek+ 5 lek/page/3 Eur,Usd,Gbp,Chf,Aud,Cad 1.7 Cash Deposit* 1.7.1 From account holders/ Business employees 1.7.1.1 In Lek 1.7.1.1.1 amount under 6'500'000 Leke Free of Charge 1.7.1.1.2 amount above 6'500'000 Leke 1.7.1.1.2.1 1 value date Free of Charge 1.7.1.1.2.2 Same value date 0.01% (max. 3'000 Lek) BKT Terms and Conditions- May 2021) 1 -17 RBG.6-T-003 Business Terms and Conditions 1.7.1.2 Foreign currency 1.7.1.2.1 amount under 50'000 Eur, Usd, GBP, CHF, AUD, CAD Free of Charge 1.7.1.2.2 amount above 50'000 Eur, Usd, GBP, CHF, AUD, CAD 0.03% (min. 1 Eur - max. 200 Eur, Usd, GPB, CHF, AUD, CAD) 1.7.2 For loan or credit card payment Free of Charge 1.7.3 From others 1.7.3.1 In Lek 0.03% (min. 100 Lek - max. 5'000 Lek) 1.7.3.2 Foreign currency 0.03% (max. 200 Eur, Usd, GBP, CHF, AUD, CAD) 1.7.4 In coins** 1.7.4.1 In Lek 150 Lek for each cartridge deposit (1 cartridge = 50 coins) 1.7.5 In ATM*** (max. 4 transactions) 1.7.5.1 in Lek (daily Max. limit 950'000) **** Free of Charge 1.7.5.2 in Eur (daily Max. limit 7'000)**** Free of Charge * With cash deposit it is considered only the deposit in customer's account and not the invoice payments toward third parties. The Commission will not be applied: 1. when the purpose of the transaction is to open a Time Deposit, 2. to the Foreign Exchange Offices if they have to settle a Fixed Foreign Exchange Contract with the Treasury Department If the No. of daily Cash Deposits transactions is greater than 3 (three) for one currency, for each subsequent transaction will be applied Deposit Commissions by others. ** Only Lek coins are accepted *** The ATM Cash deposit is available only in the ATM with the SuperBankomat logo, and for the customers that are equiped with un active Debit Card **** Total Daily Max. Limit for Lek and Eur is 950'000 Lek 1.8 Cash Withdrawals* 1.8.1 In Lek 1.8.1.1 amount under 2,500,000 Lek Free of Charge 1.8.2 Foreign currency Eur (equivalent in other currencies) 1.8.2.1 amount under 20'000 Eur Free of Charge 1.8.3 From business account in Kukes, Gramsh, Corovode, Bilisht, Delvine, Lac, Rreshen, Bushat, Koplik, Librazhd, Peqin, Rrogozhine, Orikum, Kucove branches 1.8.3.1 In Lek 1.8.3.1.1 amount above 2,500,000 Lek 0.8% max 30,000 Lek 1.8.3.2 Foreign currency Eur (equivalent in other currencies) 1.8.3.2.1 amount above 20'000 Eur 0.8% max 230 Eur / Eur equivalent 1.8.3.3 Amount over the monthly accumulated limit of withdrawals: 1.8.3.3.1 Difference over the monthly withdrawal limit of 10,000,000 Lek 1% max. 40,000 Lek 1.8.3.3.2 Difference over the monthly withdrawal limit of 70,000 Eur 1% max. 300 Eur / Eur equivalent BKT Terms and Conditions- May 2021) 2 -17 RBG.6-T-003 Business Terms and Conditions 1.8.4 From business account in other branches 1.8.4.1 In Lek 1.8.4.1.1 amount from 2,500,001 - 7,000,000 Lek 1.8.4.1.1.1 1 value-date** Free of Charge 1.8.4.1.1.2 Same value date 0.1% max. 5,000 Lek 1.8.4.1.2 amount above 7,000,000 Lek 1.8.4.1.2.1 1 value-date** 0.2% max. 40,000 Lek 1.8.4.1.2.2 Same value date 0.4% max. 80,000 Lek 1.8.4.2 Foreign currency Eur (equivalent in other currencies) 1.8.4.2.1 amount from 20,001 - 50'000 Eur 1.8.4.2.1.1 1 value-date** Free of Charge 1.8.4.2.1.2 Same value date 0.1% max. 40 Eur/Eur equivalent 1.8.4.2.2 amount above 50'000 Eur 1.8.4.2.2.1 1 value-date** 0.2% max. 300 Eur/Eur equivalent 1.8.4.2.2.2 Same value date 0.4% max. 600 Eur/Eur equivalent * The Commission will not be applied: 1. when the purpose of the transaction is to close a Time Deposit, 2. to the Foreign Exchange Offices if they have to settle a Fixed Foreign Exchange Contract with the Treasury Department. 3. Loan Disbursments The specified amounts are for daily accumulated Cash Withdrawals ** Clients must notify one day before the transaction 1.9 Direct Debit Free of Charge 1.10 Standing Order Free of Charge 2. Deposit Accounts 2.1 Time Deposit 2.1.1 Currencies LEK, USD, EUR, GBP, CHF, AUD, CAD 2.1.2 Minimum Balance 50'000 Lek, 500 Eur/Usd/Gbp/Chf/Aud/Cad 2.1.3 Deposit Opening Free of charge 2.1.4 Deposit Closing 2.1.4.1 On maturity Free of charge 2.1.4.2 Before the 1st maturity Interest (Calculated or paid ) 2.2 Issuance of a duplicate deposit contract 500 Lek/ contract (Max. 1000 Lek, if there are more than two contracts) BKT Terms and Conditions- May 2021) 3 -17 RBG.6-T-003 Business Terms and Conditions B. Payments By account By cash 1.1 Treasury payments, Tax, Social Insurance, VAT, Voluntary Insurance, Customs payments 1.1.1 by taxpayers themselves 100 Lek 300 Lek 1.1.2 by others 100 Lek* 500 Lek 1.1.3 Payments on BKT Customs Agency 1.1.3.1 Amount under 100'000 Lek 300 Lek 1.1.3.2 Amount over 100'000 Lek 0.3% 1.2 ASHK Payments (Hipoteka) 1.2.1 Amount up to 300 Lek Free of Charge Free of Charge 1.2.2 Amount over 300 Lek 100 Lek 0.03% (min. 200 Lek - max. 5'000 Lek) 1.3 Bill payments: OSSHE, Telekom, Vodafone, UKT ect. 100 Lek 200 Lek 1.3.1 Bill Payment: Albtelecom, Digitalb me këste Free of Charge Free of Charge 1.4 Payments for financial institutions 100 Lek 200 Lek 1.5 Bill payment from others for BKT clients 1.5.1 In Lek 0.5% (min. 500 Lek - max. 15'000 Lek) 1.5.2 In foreign currency 0.5% (min. 5 Eur - max. 200 Eur, Usd, GPB, CHF, AUD, CAD) * Only for incoming money transfer from other banks (Beneficiary - Budget Accounts ) C. Cards 1. Business Prima Credit Cards (MasterCard) 1.1 Annual Fee* 2'000 Lek 1.2 Mandatory minimum payment 10% of total obligation 1.3 Interest on the carrying obligations (monthly) 1.3% 1.4 Late payment interest (monthly) 2% 1.5 Over limit fee no overlimit allowed BKT Terms and Conditions- May 2021) 4 -17 RBG.6-T-003 Business Terms and Conditions 1.6 Cash Advance Interest Rate 2% 1.6.1 Withdrawal from ATM (of BKT and other banks inside the country) 1,000 Lek 1.6.2 Withdrawal from ATM of other banks abroad 1,500 Lek 1.7 Request for reprinting of Card + Pin 2'000 Lek 1.8 Request for reprinting Pin 500 Lek 1.9 Balance Inquiry Free on BKT/200 Lek on other banks 1.10 POS / Internet transaction fee, Printing of Card / PIN, Free of Charge Automatic reprinting of Card, Change of PIN in ATM Closing Card 2. Business Debit Cards "BanKomaT Business"(MasterCard) 2.1 Yearly Commission Free of Charge 2.2 Payment in POS / Internet Free of Charge 2.3 Daily Limit for Internet usage 150,000 Lek 2.4 Monthly Limit for Internet Usage 3,000,000 Lek 2.5 Maximal daily transactions on internet 5 2.6 Withdrawal in BKT ATM Free of Charge 2.7 Withdrawal from other banks inside the country 2% (min 500 Lek - max 1,500 Lek) 2.8 Withdrawal from other banks abroad 2% (min 500 Lek - max 1,500 Lek) 2.8 Maximal Limit of daily withdrawals max 150,000 Lek / 1,000 Eur 2.9 Maximal number of daily withdrawals 5 2.10 Maximal limit of monthly withdrawals max 5,000,000 Lek / 40,000 Eur 2.11 Maximal number of monthly withdrawals 100 2.12 Reprinting of Card+PIN by request 1,500 Lek 2.13 Reprinting of PIN by request 500 Lek 2.14 Card validity 6 years 2.15 Closing card; Automatic reprinting of Card; Change of PIN in ATM; Free of Charge Mini Statement; Account balance check in BKT ATM's BKT Terms and Conditions- May 2021) 5 -17 RBG.6-T-003 Business Terms and Conditions D.
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