KFS Current Accounts Silkbank (Final).FH11
Total Page:16
File Type:pdf, Size:1020Kb
Key Fact Statement for Deposit Accounts Silkbank Limited, Date ___- ___-____ IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks. You have the right to receive KFS from other banks for comparison. Branch, City Account Types & Salient Features: This information is accurate as of the date above. Services, fees and mark-up rates may change on a bi-annual basis. For updated fees/charges, you may visit our website or visit our branches. Conventional Particulars All in One Account Business Value Business Value Online Express Basic Banking Asaan Account Salary Premium Salary Premium Pensioner Account Foreign Currency Account Account Plus Account Plus Account Currency PKR PKR PKR PKR PKR PKR PKR PKR PKR USD, GBP, EUR To open Rs. 2,500/- Rs. 2,500/- Rs. 2,500/- Rs. 2,500/- Rs. 1,000/- Rs. 100/- Zero Zero Rs. 2,500/- Rs. 2,500/- Minimum Balance for Account ( ) USD = 5,000 To keep Zero Rs. 100,000/- Zero Rs. 50,000/- Zero Zero Zero Zero Zero ( ) GBP = 3,000 ( ) EUR = 3,000 Account Maintenance Fee Zero Rs. 43/- Zero Rs. 43/- Zero Zero Zero Zero Zero 1 USD/GBP/EUR Is profit paid on account subject to the applicable tax rate No No No No No No No No No No Indicative Profit Rate (%) Profit Payment Frequency Provide example Premature / Early Encashment / Withdrawal Fee Service Charges IMPORTANT: This is a list of the main service charges for this account. It does not include all charges. You can find the full list at our branches and on our website www.silkbank.com.pk. Please note that all bank charges are exclusive of applicable taxes. Conventional Services Modes All in One Account Business Value Business Value Online Express Basic Banking Asaan Account Salary Premium Salary Premium Pensioner Account Foreign Currency Account Account Plus Account Plus Account 0.10% or Rs. 175/- 0.10% or Rs. 175/- Intercity Zero Zero Zero Zero (whichever is higher) Zero Zero Zero (whichever is higher) Intracity Zero Zero Zero Zero Zero Zero Zero Zero Zero Own ATM withdrawal Zero Zero Zero Zero Zero Zero Zero Zero Zero Cash Transaction Less than Rs. 100,000/- = Rs. 18.75/- More than Rs. 100,000/- = Free Less than Rs. 100,000/- = Rs. 18.75/- Other bank's ATM More than Rs. 18.75/- Rs. 100,000/- = Free Rs. 18.75/- Rs. 18.75/- Rs. 18.75/- Rs. 18.75/- Rs. 18.75/- Rs. 18.75/- (Subject to launch of this feature; till then Rs. 18.75/- per transaction to be charged) ADC / Digital Zero Zero Zero Zero Zero Zero Zero Zero Zero Less than Rs. 100,000/- = Rs. 100/-, Rs. 100,000/- to Rs. 499,000/- = Rs. 50/- Clearing Rs. 100/- Rs. 500,000/- Rs. 100/- Rs. 100/- Rs. 100/- Rs. 100/- Rs. 100/- Rs. 100/- Rs. 100/- per month & above = Free per month per month per month per month per month per month per month 100 100 100 100 100 100 100 100 SMS Alerts Less than Rs. 100,000/- = Rs. 100/-, Rs. 100,000/- For other to Rs. 499,000/- = Rs. 50/- transactions Rs. 100/- Rs. 500,000/- Rs. 100/- Rs. 100/- Rs. 100/- Rs. 100/- Rs. 100/- Rs. 100/- Rs. 100/- per month & above = Free per month per month per month per month per month per month per month 100 100 100 100 100 100 100 100 Conventional Services Modes All in One Account Business Value Business Value Online Express Basic Banking Asaan Account Salary Premium Salary Premium Pensioner Account Foreign Currency Account Account Plus Account Plus Account Free for 1st year Free for 1st year Less than Rs. 100,000/- Next year charges Next year charges = Rs.1,300/-, More than as per SOC as per SOC EMV Classic Rs. 1,300/- Rs. 100,000/- = Free Rs. 1,300/- Rs. 1,300/- Rs. 1,300/- Rs. 1,300/- Rs. 1,300/- Rs. 1,300/- Rs. 1,300/- EMV Gold Rs. 2,000/- Rs. 2,000/- Rs. 2,000/- Rs. 2,000/- Rs. 2,000/- Rs. 2,000/- Rs. 2,000/- Rs. 2,000/- Rs. 2,000/- Debit Cards 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 EMV Platinum Rs. 3,000/- Rs. 3,000/- Rs. 3,000/- Rs. 3,000/- Rs. 3,000/- Rs. 3,000/- Rs. 3,000/- Rs. 3,000/- Rs. 3,000/- 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 PayPak Rs. 1,000/- Rs. 1,000/- Free Rs. 1,000/- Rs. 1,000/- Rs. 1,000/- Free Rs. 1,000/- Rs. 1,000/- 1,000 1,000 1,000 1,000 1,000 1,000 1,000 Below Below Rs. 50,000/- Below Rs. 50,000/- Free first Cheque = Rs. 25/- per leaf Book of 10 leaves. Rs. 100,000/- = Rs. 25/- per leaf Free first Cheque Rs. 50,001 - Less than Rs. 50,000/- Free first Cheque Free first Cheque = Rs. 15/- per leaf Rs. 50,000 - 25 leaves @ Book of 10 leaves. Rs. 99,999 = Rs. 10/- = Rs. 25/- per leaf Book of 10 leaves. Book of 10 leaves. Rs. 100,000/- & Rs. 99,999 = Rs. 10/- Rs. 25/- per leaf Subsequent 25-leaf per leaf, Above per leaf, Above Rs. 50,000/- and above Subsequent 25-leaf Subsequent 25-leaf Issuance above = Free Rs.100,000/- = Free Free Cheque Book @ Rs. 25/- Free (25 leaves) Cheque Book @ Rs. 25/- Cheque Book @ Rs. 25/- Rs.100,000/- = Free 25 = Rs. 10/- per leaf 25 Cheque Book Rs. 500/- Rs. 500/- Rs. 500/- Rs. 500/- Rs. 500/- Rs. 500/- Rs. 500/- Rs. 500/- Rs. 500/- Rs. 500/- Stop payment per instrument per instrument per instrument per instrument per instrument per instrument per instrument per instrument per instrument per instrument Rs. 300/-, Rs. 300/-, Rs. 300/-, Rs. 300/-, Rs. 300/-, Rs. 300/-, Rs. 300/-, Rs. 300/-, Rs. 300/-, subsequent subsequent subsequent subsequent subsequent subsequent subsequent subsequent subsequent loose cheque loose cheque loose cheque loose cheque loose cheque loose cheque loose cheque loose cheque loose cheque Loose cheque Rs. 500/- Rs. 500/- Rs. 500/- Rs. 500/- Rs. 500/- Rs. 500/- Rs. 500/- Rs. 500/- Rs. 500/- Conventional Services Modes All in One Account Business Value Business Value Online Express Basic Banking Asaan Account Salary Premium Salary Premium Pensioner Account Foreign Currency Account Account Plus Account Plus Account Below Rs. 50,000/- = Below Rs. 50,000/- = Below Rs. 50,000/- = Rs. 300/- per instrument Rs. 100/- per Rs. 300/-, Rs. 50,000/- Rs. 50,001 /- to instrument to Rs. 99,999/- = Rs. 100,000/- = Rs. 50,000/- to Rs.100/-, Rs. 100,001/- 2 free for the month Rs. 100,000/- = to Rs. 499,999/- Amount up to Rs. 100,000/- to 2 free for the month Up to Rs. 500,000/- Less than = 6 free for the month Rs. 500,000/- Rs. 500,000/- = 6 free Rs. 100,000/- to = Rs. 300/- Rs. 100,000/- = and Rs. 100/- for = Rs. 300/- for the month Rs. 500,000/- = Rs. 500,000/- Rs. 300/- subsequent PO's Amount above Banker Cheque Rs. 500,000/- & above 4 free for the month and above = Remittance More than Above Rs. 500,000/- Rs. 500,000/- Rs. 120/- / Pay Order = All free for the month Rs. 500,000/- & above Rs. 500/- (Local) Rs. 100,000/- = Zero = Rs. 500/- per instrument Zero = All free for the month = All free for the month Free 3 DD / 3 TT Foreign Demand USD 20 USD 20 USD 20 USD 20 USD 20 USD 20 USD 20 USD 20 USD 20 in a month Draft 20 20 20 20 20 20 20 20 20 3 DD / 3 TT) ( Remittance (Foreign) USD 24 plus USD 24 plus USD 24 plus USD 24 plus USD 24 plus USD 24 plus USD 24 plus USD 24 plus USD 24 plus USD 24 plus Wire Transfer SWIFT charges SWIFT charges SWIFT charges SWIFT charges SWIFT charges SWIFT charges SWIFT charges SWIFT charges SWIFT charges SWIFT charges Annual Zero Zero Zero Zero Zero Zero Zero Zero Zero Zero Statement of Account Half Yearly Zero Zero Zero Zero Zero Zero Zero Zero Zero Zero Rs. 35/- Rs. 35/- Rs. 35/- Rs. 35/- Rs. 35/- Rs. 35/- Rs. 35/- Rs. 35/- Rs. 35/- Rs. 35/- Duplicate per statement per statement per statement per statement per statement per statement per statement per statement per statement per statement Conventional Services Modes All in One Account Business Value Business Value Online Express Basic Banking Asaan Account Salary Premium Salary Premium Pensioner Account Foreign Currency Account Account Plus Account Plus Account ADC / Digital Channels Zero Zero Zero Zero Zero Zero Zero Zero Zero Fund Transfer Others Zero Zero Zero Zero Zero Zero Zero Zero Zero Internet Banking subscription (one-time & annual) Zero Zero Zero Zero Zero Zero Zero Zero Zero Digital Banking Mobile Banking subscription (one-time & annual) Zero Zero Zero Zero Zero Zero Zero Zero Zero Normal Zero Zero Zero Zero Zero Zero Zero Zero Zero Intercity Zero Zero Zero Zero Zero Zero Zero Zero Zero Zero Clearing Rs. 550/- Rs. 550/- Rs. 550/- Rs. 550/- Rs. 550/- Rs. 550/- Rs. 550/- Rs. 550/- Rs. 550/- Same Day per instrument per instrument per instrument per instrument per instrument per instrument per instrument per instrument per instrument Closure of Customer Account request Zero Zero Zero Zero Zero Zero Zero Zero Zero Zero You Must Know Requirements to open an account: To open an account, you will need to fulfill some identification requirements Unclaimed Deposits: In terms of Section 31 of Banking Companies Ordinance, 1962, all deposits which have as per regulatory instructions and bank's internal policies.