Payment Account Related Fees

Fees related to the most representative services linked to a payment account

Page 1 of 71 Updated as at 15 February 2021

Contents

The information being presented in this document is in the format that was submitted by the licensed

Credit Institutions ...... 4 APS Bank PLC ...... 4 Bank of Valletta plc ...... 7 Bank of Valletta plc - Basic Payment Account ...... 7 Bank of Valletta plc - Current Account ...... 9 Bank of Valletta plc - eAccount...... 11 Bank of Valletta plc - Call Account...... 13 Bank of Valletta plc - Reserve Cheque Account...... 16 Bank of Valletta plc - BOV Budget Account ...... 18 Bank of Valletta plc - Overdraft Facility ...... 21 Bank of Valletta plc - Savings Account ...... 23 BNF Bank plc ...... 27 BNF Bank plc - Basic payment account ...... 27 BNF Bank plc - Current Account...... 29 BNF Bank plc - Salary Account ...... 31 BNF Bank plc - Savings Account...... 34 BNF Bank plc - Students Account ...... 37 BNF Bank plc - Students Online Savings Account ...... 39 ECCM Bank plc ...... 43 FCM Bank Limited ...... 44 Ferratum Bank ...... 45 FIMBANK plc ...... 46 HSBC Bank Malta plc ...... 48 IIG Bank (Malta) Limited ...... 51 Lombard Bank Malta plc...... 53 Merkanti Bank Limited...... 57 NBG Bank Malta Limited ...... 58

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Financial Institutions...... 60 EMP Systems Limited...... 60 Eurochange Financial Services Limited ...... 61 Fexserv Financial Services Limited ...... 62 Finance Incorporated Limited ...... 63 Finco Treasury Management Limited ...... 65 Finductive Limited ...... 66 Insignia Cards Limited ...... 67 Mifinity Malta Limited ...... 68 Moneybase Limited...... 70 Papaya Limited...... 71

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The MFSA is presenting information on the fees being charged by credit or financial institutions in relation to payment accounts. The fees being shown on this page reflect the fees of the most representative services linked to a payment account. Consumers should always ask the credit or financial institution for the tariff sheet being charged by that entity. Only those entities offering payment accounts to-date are featured in this list.

Credit Institutions APS Bank PLC

Term Fee components Fees Default Statements Maintaining the account Bills Payable Internet Banking Mobile Method Subscribing and renewing Internet Banking Token Method (per internet, mobile and annum) telephone banking Damaged or Unreturned Token Additional Statements - Requested more often than monthly frequency Requesting statements for non-line users Duplicate Statement - To be sent by post (Per Sheet) Cash withdrawals effected through ATM with VISA sign [APS ATMs] Cash withdrawals effected through ATM with VISA sign [All other domestic banks] - (i) First 4 Withdrawals per month Cash withdrawal or deposit Cash withdrawals effected through ATM with VISA sign [All other domestic banks] - (ii) From 5th Withdrawal (charge per withdrawal) Cash withdrawals effected through ATM with VISA sign [International banks] Set-up Fee Set-up Fee through myAPS Standing order (SO) Transfer Between APS account to another APS account

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Unprocessed Standing Order advances related facility repayment due to insufficient finds Standing Order Transferred to another Bank - Processing charge (per transfer) Standing Order Transferred to another Bank - Unprocessed SO not advances related Providing and renewing a Visa Debit Card Issuing debit card Providing and renewing a N/A credit card Making payments using an Euro Payments using the Visa Debit International Debit or Card Credit Card Making payments using a Euro Payments using the Visa Debit local Debit or Credit Card Card Replacing a card Replacing Lost/Damaged Visa Card APS Bank Cheques

personal cheques - Encashment Depositing and encashing a subject to Managers discretion (Charge cheque Only applicable to non-customers) Central Bank of Malta Cheques - Charges only applicable to non- Customers Per request over the counter/Customer Support Centre Per request through myAPS Stopping a cheque More than 1 Cheque over the counter/Customer Support Centre More than 1 cheque though myAPS - Up

Sending money in Euros to - other account in the Single

Euro Payment Area

counter) Payments Non-SEPA and in all other Sending money in other currencies Over the counter currencies to any other account Payments Non-SEPA and in all other currencies myAPS

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SWIFT Payment Investigation expenses SEPA Inward Transfer - Up to Receiving money - Euro SEPA Inward Transfer - Non-SEPA in all other currencies -

Non-SEPA in all other currencies - Payment in

Receiving money - other currencies Non-SEPA in all other currencies - Payments in all

Non-SEPA in all other currencies - Payments in all

over Visa Overdraft Renewal Fee Per annum Arranged overdraft Aplus Overdraft Renewal Fee Per 0.15% per annum, annum Direct Debit returned due to Direct Debit insufficient funds Other services (included in Virtual Account over the counter Information transaction Document)

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Bank of Valletta plc Bank of Valletta plc - Basic Payment Account

Term Fee

Maintaining the account Annual Subscription - Subscribing and renewing internet, mobile Hardware token option - and telephone banking Software token - Request for up-to-date paper statement (update from the last official statement issued) Additional requests for paper statement: over the counter or through digital channels (24x7)

Requesting statements

Request for back-dated paper Statement: Over the counter - Through digital channels (24x7) - printed page Cash Withdrawal from BOV ATM Network via BOV Visa Debit Card - ATM withdrawal with BOV Credit Card (Via BOV ATM Network) - 0.4%

Cash withdrawal or deposit ATM withdrawal with BOV card (Via other -

Deposits through BOV ATM Network - Deposits Over the Counter (OTC) - Over-the-counter setup fee - BOV-to-BOV (same customer) - BOV-to-BOV (third party payment) - BOV-to-other Banks - BOV-to-other Banks (pledged against a BOV Standing order loan) -

Unprocessed Standing Order (Due to insufficient funds) - Depending on type of transfer (Maximum fee) -

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Providing and renewing a debit card N/A Providing and renewing a credit card Making payments using an International Debit or Credit Card Making payments using a local Debit or Credit Card Replacement of lost/stolen Debit Card - Replacing a card Replacement of damaged Debit Card - Cheque encashment (paid by cheque Depositing and encashing a cheque depositor) - N/A Stopping a cheque - - OTC payment - Sending money in Euros to other account in the Single Euro Payment Area Priority Payments (Same-Day-Value) Electronic Payment - Non-Automated Payments - Within SEPA electronic (in other currencies) - OTC payment (within SEPA) -

Outside SEPA Sending money in other currencies to any Electronic or OTC - other account charges where applicable.

Priority Payments (Same-Day-Value ) Electronic Payment - Non-Automated Payments - - Receiving money Euro - FC payment credit to a euro account - Receiving money - other currencies - Credit to a non-euro account - N/A Arranged overdraft Creditor SEPA Direct Debit Rejects Fee (Creditor) - Direct Debit

SEPA Direct Debit Return Fee (Creditor) -

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Debtors Unprocessed Direct debit Due to insufficient funds -

Bank of Valletta plc - Current Account

Term Fee Dormant Account/Account Inactivity Fee (Applicable to Deposit accounts where no financial withdrawals or Maintaining the account deposits were effected for a period of 2 years.) - annum per account Subscribing and renewing Annual Subscription - internet, mobile and Hardware token option - telephone banking Software token - Request for up-to-date paper statement (update from the last official statement issued) Additional requests for paper statement: over the counter or

Requesting statements Request for back-dated paper Statement: Over the counter - Through digital channels (24x7) - Cash Withdrawal from BOV ATM Network via BOV Visa Debit Card - ATM withdrawal with BOV Credit Card (Via BOV ATM Network) - 0.4%

Cash withdrawal or deposit

Network) -

Deposits through BOV ATM Network - Deposits OTC - Over-the-counter setup fee - BOV-to-BOV (same customer) - BOV-to-BOV (third party payment) - Standing order BOV-to-other Banks - BOV-to-other Banks (pledged against a BOV loan) -

Unprocessed Standing Order (Due to insufficient funds) -

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Depending on type of transfer (Maximum fee) - Providing and renewing a debit card Visa Card or Mastercard - Visa Card and Mastercard - Visa SkyPass - Visa Gold Card - Providing and renewing a Platinum Card - credit card

Late payment fee on credit cards: 1st month - 2nd month and subsequent months - Making payments using an International Debit or Credit Card Making payments using a local Debit or Credit Card Replacement of lost/stolen Debit Card - Replacement of lost/stolen Mastercard/Visa Card - Replacement of lost/stolen Gold / Platinum / BOV Skypass Replacing a card Card -

Replacement of damaged Card - Depositing and encashing a Cheque encashment (paid by cheque depositor) - cheque

Stopping a cheque - - Sending money in Euros to OTC payment - other account in the Single Euro Payment Area Priority Payments (Same-Day-Value) Electronic Payment - Non-Automated Payments - Within SEPA electronic (in other currencies) - OTC payment (within SEPA) -

Sending money in other Outside SEPA currencies to any other Electronic or OTC - account transmission charge + foreign bank charges where applicable.

Priority Payments (Same-Day-Value )

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Electronic Payment - Non-Automated Payments - - Receiving money Euro - FC payment credit to a euro account Receiving money - other - currencies - Credit to a non-euro account - N/A Arranged overdraft Creditor SEPA Direct Debit Rejects Fee (Creditor) - SEPA Direct Debit Return Fee (Creditor) - Direct Debit

Debtors Unprocessed Direct debit Due to insufficient funds -

Bank of Valletta plc - eAccount

Term Fee -

(Charge is per customer and applies if the combined average book balance of all Savings and Call Accounts held by customer during the previous quarter is less than 200.) Maintaining the (Quarters are set as September to November, December to account February, March to May and June to August.)

Dormant Account/Account Inactivity Fee (Applicable to Deposit accounts where no financial withdrawals or deposits were effected for a period of 2 years.) - Subscribing and Annual Subscription - renewing internet, Hardware token option - mobile and telephone Software token - banking Request for up-to-date paper statement (update from the last official statement issued) Additional requests for paper statement: over the counter or

Requesting statements Request for back-dated paper Statement: Over the counter - Through digital channels (24x7) -

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Over-the-counter deposits/ withdrawals/bill (inc. utility) payments/requests for bank drafts/swift transfers/transfer between accounts -

Cash Withdrawal from BOV ATM Network via BOV Visa Debit Card -

Cash withdrawal or ATM withdrawal with BOV Credit Card (Via BOV ATM Network) - deposit 0.4%

A -

Deposits through BOV ATM Network - Over-the-counter setup fee - BOV-to-BOV (same customer) - BOV-to-BOV (third party payment) - BOV-to-other Banks - Standing order BOV-to-other Banks (pledged against a BOV loan) -

Unprocessed Standing Order (Due to insufficient funds) - Depending on type of transfer (Maximum fee) - Providing and renewing a debit card Visa Card or Mastercard - Visa Card and Mastercard - Visa SkyPass - Visa Gold Card - Providing and renewing Platinum Card - a credit card

Replacement of damaged Card - Depositing and Cheque encashment (paid by cheque depositor) - encashing a cheque

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N/A Stopping a cheque - - Sending money in Euros OTC payment - to other account in the

Single Euro Payment Priority Payments (Same-Day-Value) Area Electronic Payment - Non-Automated Payments - Within SEPA electronic (in other currencies) - OTC payment (within SEPA) -

Outside SEPA Sending money in other Electronic or OTC - currencies to any other transmission charge + foreign bank charges where applicable. account

Priority Payments (Same-Day-Value) Electronic Payment - Non-Automated Payments - - Receiving money Euro - FC payment credit to a euro account Receiving money - ,000 - other currencies - Credit to a non-euro account - N/A Arranged overdraft Creditor SEPA Direct Debit Rejects Fee (Creditor) - SEPA Direct Debit Return Fee (Creditor) - Direct Debit SEPA Direct Debit Co

Debtors Unprocessed Direct debit Due to insufficient funds -

Bank of Valletta plc - Call Account

Term Fee - Maintaining the quarter account (Charge is per customer and applies if the combined average book balance of all Savings and Call Accounts held by customer during

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the previous quarter is less than 200.) (Quarters are set as September to November, December to February, March to May and June to August.)

Requesting statements

Request for back-dated paper Statement: Over the counter - Through digital channels (24x7) - Cash Withdrawal from BOV ATM Network via BOV Visa Debit Card -

ATM withdrawal with BOV Credit Card (Via BOV ATM Network) - 0.4%

Cash withdrawal or deposit ATM withdrawal with BOV card -

Deposits through BOV ATM Network - Deposits OTC - Over-the-counter setup fee - BOV-to-BOV (same customer) - BOV-to-BOV (third party payment) - BOV-to-other Banks - Standing order BOV-to-other Banks (pledged against a BOV loan) -

Unprocessed Standing Order (Due to insufficient funds) - Depending on type of transfer (Maximum fee) - 0 Providing and renewing N/A a debit card Visa Card or Mastercard - Visa Card and Mastercard - Providing and renewing Visa SkyPass - a credit card Visa Gold Card - Platinum Card -

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Late payment fee on credit cards: 1st month - 2nd month and subsequent months - Making payments using N/A an International Debit or Credit Card Making payments using N/A a local Debit or Credit Card Replacement of lost/stolen Mastercard/Visa Card - Replacement of lost/stolen Gold / Platinum / BOV Skypass Card - Replacing a card

Replacement of damaged Credit Card - Depositing and Cheque encashment (paid by cheque depositor) - encashing a cheque N/A Stopping a cheque - - Sending money in Euros OTC payment - to other account in the

Single Euro Payment Priority Payments (Same-Day-Value) Area Electronic Payment - Non-Automated Payments - Within SEPA electronic (in other currencies) - OTC payment (within SEPA) -

Sending money in other Outside SEPA currencies to any other Electronic or OTC - account transmission charge + foreign bank charges where applicable.

Priority Payments (Same-Day-Value ) Electronic Payment - Non-Automated Payments - - Receiving money Euro - FC payment credit to a euro account Receiving money - - other currencies - Credit to a non-euro account - N/A Arranged overdraft

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Creditor SEPA Direct Debit Rejects Fee (Creditor) - SEPA Direct Debit Return Fee (Creditor) - Direct Debit

Debtors Unprocessed Direct debit Due to insufficient funds -

Bank of Valletta plc - Reserve Cheque Account

Term Fee Dormant Account/Account Inactivity Fee (Applicable to Deposit accounts where no financial withdrawals or deposits Maintaining the account were effected for a period of 2 years.) - account Subscribing and renewing Annual Subscription - internet, mobile and Hardware token option - telephone banking Software token - Request for up-to-date paper statement (update from the last official statement issued) Additional requests for paper statement: over the counter or

Cash withdrawal or deposit

Network) -

Unprocessed Standing Order (Due to insufficient funds) -

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Depending on type of transfer (Maximum fee) - Providing and renewing a N/A debit card Visa Card or Mastercard - Visa Card and Mastercard - Visa SkyPass - Visa Gold Card - Providing and renewing a Platinum Card - nnum credit card

Late payment fee on credit cards: 1st month - 2nd month and subsequent months - Making payments using an N/A International Debit or Credit Card Making payments using a N/A local Debit or Credit Card Replacement of lost/stolen Mastercard/Visa Card - Replacement of lost/stolen Gold / Platinum / BOV Skypass Replacing a card Card -

Replacement of damaged Credit Card - Depositing and encashing a Cheque encashment (paid by cheque depositor) - cheque

Outside SEPA Sending money in other Electronic or OTC - currencies to any other transmission charge + foreign bank charges where account applicable.

Priority Payments (Same-Day-Value ) Electronic Payment - Non-Automated Payments -

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- Receiving money Euro Over - FC payment credit to a euro account Receiving money - other - currencies - Credit to a non-euro account - N/A Arranged overdraft Creditor SEPA Direct Debit Rejects Fee (Creditor) - SEPA Direct Debit Return Fee (Creditor) - Direct Debit

Debtors Unprocessed Direct debit Due to insufficient funds -

Bank of Valletta plc - BOV Budget Account

Network) -

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Unprocessed Standing Order (Due to insufficient funds) -

Replacement of damaged Card - Depositing and encashing a Cheque encashment (paid by cheque depositor) - cheque

Stopping a cheque - - Sending money in Euros to OTC payment - other account in the Single Euro Payment Area Priority Payments (Same-Day-Value) Electronic Payment - Non-Automated Payments -

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Within SEPA electronic (in other currencies) - OTC payment (within SEPA) -

Outside SEPA Sending money in other Electronic or OTC - currencies to any other transmission charge + foreign bank charges where account applicable.

Priority Payments (Same-Day-Value) Electronic Payment - Non-Automated Payments - - Receiving money Euro - FC payment credit to a euro account Receiving money - other - currencies - Credit to a non-euro account - Fees New facility - Every revision of the O/D limit -

Secured Overdrafts (Interest Margin over Consumer Lending Bank Base Rate) Overdraft Secured by BOV Deposits/ Third Party Deposits / Investment Products (excluding hypothecs on property). - 3.00% Arranged overdraft Overdraft Secured by Hypothecs on property - 3.50% Non-Extendible Security such as Life Policies, Personal Guarantees or Letters of Undertaking. - 4.50%

Unsecured Overdrafts (Interest Margin over Consumer Lending bank Base Rate) Unsecured consumer overdraft - 4.50% Budget accounts (Maximum Single Limit - Maximum Combined Limit - - 3.25% Graduate Personal Overdraft 3.25% Creditor SEPA Direct Debit Rejects Fee (Creditor) - SEPA Direct Debit Return Fee (Creditor) - Direct Debit

Debtors Unprocessed Direct debit Due to insufficient funds -

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Bank of Valletta plc - Overdraft Facility

Cash withdrawal or deposit

Network) -

Unprocessed Standing Order (Due to insufficient funds) -

Depending on type of transfer (Maximum fee) - Providing and renewing a debit card Visa Card or Mastercard - Providing and renewing a Visa Card and Mastercard - credit card Visa SkyPass - Visa Gold Card -

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Platinum Card - / annum

Replacement of damaged Card - Depositing and encashing a Cheque encashment (paid by cheque depositor) - cheque

Outside SEPA Sending money in other Electronic or OTC - currencies to any other transmission charge + foreign bank charges where account applicable.

Priority Payments (Same-Day-Value ) Electronic Payment - Non-Automated Payments - - Receiving money Euro - FC payment credit to a euro account Receiving money - other - currencies - Credit to a non-euro account -

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Fees New facility - Renewal of facility -

Temporary facilities and formalities authorised excesses -month period per quarter. Levied as soon as excess is approved) - 0.3%

more than 7 days]) - 0.3%

Amendment to sanction letter - Arranged overdraft Secured Overdrafts (Interest Margin over Consumer Lending Bank Base Rate) Overdraft Secured by BOV Deposits/ Third Party Deposits / Investment Products (excluding hypothecs on property). - 3.00% Overdraft Secured by Hypothecs on property - 3.50% Non-Extendible Security such as Life Policies, Personal Guarantees or Letters of Undertaking. - 4.50%

Unsecured Overdrafts (Interest Margin over Consumer Lending bank Base Rate) Unsecured consumer overdraft - 4.50% Graduate Personal Overdraft 3.25% Creditor SEPA Direct Debit Rejects Fee (Creditor) - SEPA Direct Debit Return Fee (Creditor) - Direct Debit

Debtors Unprocessed Direct debit Due to insufficient funds -

Bank of Valletta plc - Savings Account

Term Fee Combined Accounts Average Book Balance less than - (Charge is per customer and applies if the combined Maintaining the account average book balance of all Savings and Call Accounts held by customer during the previous quarter is less than 200.) (Quarters are set as September to November, December to

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February, March to May and June to August.)

Dormant Account/Account Inactivity Fee (Applicable to Deposit accounts where no financial withdrawals or deposits were effected for a period of 2 years.) - annum per account Subscribing and renewing Annual Subscription - internet, mobile and Hardware token option - telephone banking Software token - Request for up-to-date paper statement (update from the last official statement issued) Additional requests for paper statement: over the counter

Cash withdrawal or deposit

Network) -

Unprocessed Standing Order (Due to insufficient funds) -

Depending on type of transfer (Maximum fee) - Providing and renewing a debit card Visa Card or Mastercard - Visa Card and Mastercard - Visa SkyPass - Providing and renewing a Visa Gold Card - credit card Platinum Card -

Late payment fee on credit cards:

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1st month - 2nd month and subsequent months - Making payments using an International Debit or Credit Card Making payments using a local Debit or Credit Card Replacement of lost/stolen Debit Card - Replacement of lost/stolen Mastercard/Visa Card - Replacement of lost/stolen Gold / Platinum / BOV Skypass Replacing a card Card -

Replacement of damaged Card - Depositing and encashing a Cheque encashment (paid by cheque depositor) - cheque N/A Stopping a cheque - - Sending money in Euros to OTC payment - other account in the Single Euro Payment Area Priority Payments (Same-Day-Value) Electronic Payment - Non-Automated Payments - Within SEPA electronic (in other currencies) - OTC payment (within SEPA) -

Outside SEPA Sending money in other Electronic or OTC - currencies to any other transmission charge + foreign bank charges where account applicable.

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Creditor SEPA Direct Debit Rejects Fee (Creditor) - SEPA Direct Debit Return Fee (Creditor) - Direct Debit

Debtors Unprocessed Direct debit Due to insufficient funds -

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BNF Bank plc BNF Bank plc - Basic payment account

Term Fee components Fee The charge is incurred twice a year (April and October) and applies only if the Account has a

Maintaining the account Account Administration Fee transactions in the previous 6 months and the Account holder only has Savings and/or Current accounts and no other Bank products - 15.00 Subscribing and renewing Subscribing to Internet internet, mobile and Banking Service telephone banking Issuing of Statements by

default Requesting statements over

the counter, in print form Change in Statement Frequency for non-Internet once a month) Requesting statements Banking users Online users requesting statements in print form by post year old Ad-hoc requests for extra statements in print form by post Cash Withdrawal from BNF

Bank plc ATM Cash Withdrawal from any Cash withdrawal or other bank ATM or branch in deposit the Eurozone affected) Cash Deposit in a BNF Bank

plc ATM Transfers between own accounts held with BNF Bank Transfers between other Standing order BNF Bank plc customer accounts SEPA Standing Order up to

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SEPA Standing Order over

Non-SEPA Standing Orders Providing and renewing a Providing and renewing a debit card Debit Card Providing and renewing a N/A credit card Card Payments in Euro Making payments using Currencies of other EU an International Debit or member states other than 1.75% Credit Card Euro Non-EU Currencies 2.00% Making payments using a N/A local Debit or Credit Card Replacing a card Replacing a Debit Card Fee Euro cheque drawn on Depositing and encashing (issued by) a cheque local banks Stopping a cheque N/A Via Internet Banking up to

Sending money in Euros Via Internet Banking over to other account in the

Single Euro Payment Area Over the Counter

Transactions Outward Transfer in other currency via Internet Banking Over the Counter

Transactions Same Day Value Sending money in other via Internet Banking in Euro currencies to any other via Internet Banking in Other account Currency Over the Counter Additional fee for Same Day Value Outward Transfers

SEPA Inward Payment up to

Receiving money - Euro SEPA Inward Payment over

Other Inward Payment to expenses

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Other Inward Payment to Receiving money - other Expenses currencies Other Inward Payment to Non Eur Account Expenses Rate and fee charged when BBR + 7.5% (Charged on Full the Demand Deposit Excess Account) Arranged overdraft account is in excess or encroached month or part thereof Direct Debit Direct Debits

BNF Bank plc - Current Account

Term Fee components Fee The charge is incurred twice a year (April and October) and applies only if the Account has a

Maintaining the account Account Administration Fee transactions in the previous 6 months and the Account holder only has Savings and/or Current accounts and no other Bank products - Subscribing and renewing Subscribing to Internet internet, mobile and Banking Service telephone banking Issuing of Statements by

default Requesting statements over

Bank plc ATM Cash withdrawal or Cash Withdrawal from any deposit other bank ATM or branch in the Eurozone affected)

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Cash Deposit in a BNF Bank

plc ATM Transfers between own accounts held with BNF Bank Transfers between other BNF Bank plc customer Standing order accounts SEPA Standing Order up to

SEPA Standing Order over

Non-SEPA Standing Orders Providing and renewing a Providing and renewing a debit card Debit Card Classic Card - Main Card - Annual Fee Gold Card - Providing and renewing a Pavi Pama Card - credit card Classic Card - Additional Card - Annual Fee Gold Card - Pavi Pama Card - Card Payments in Euro Making payments using Currencies of other EU an International Debit or member states other than 1.75% Credit Card Euro Non-EU Currencies 2.00% Making payments using a N/A local Debit or Credit Card Replacing a Debit Card Fee Replacing a card Replacing a Credit Card Fee Gold

Euro cheque drawn on Depositing and encashing (issued by) a cheque local banks Own Cheque Images Cheque Images via Internet

Banking request, for consecutive cheque numbers, Stopping a cheque Stopping a cheque irrespective of the number of cheques Via Internet Banking up to

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Via Internet Banking over Sending money in Euros

to other account in the Over the Counter Single Euro Payment Area Transactions Outward Transfer in other currency via Internet Banking Over the Counter

SEPA Inward Payment up to

Receiving money - Euro SEPA Inward Payment over

Other Inward Payment to expenses Receiving money - other Other Inward Payment to currencies Expenses Other Inward Payment to Non Eur Account Expenses Rate and fee charged when BBR + 7.5% (Charged on Full the Demand Deposit Excess Account) Arranged overdraft account is in excess or encroached month or part thereof Direct Debit Direct Debits

BNF Bank plc - Salary Account

Term Fee components Fee The charge is incurred twice a year (April and October) and applies only if the Account has a Maintaining the account Account Administration Fee

transactions in the previous 6 months and the Account holder

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only has Savings and/or Current accounts and no other Bank products -

Charged on both the Salary Account and Direct Salary Salary Account Default Fee Account if minimum monthly deposit amount is not affected -

Subscribing and renewing Subscribing to Internet internet, mobile and Banking Service telephone banking Issuing of Statements by

default Requesting statements over

Bank plc ATM Cash Withdrawal from any Cash withdrawal or other bank ATM or branch in deposit the Eurozone affected) Cash Deposit in a BNF Bank

plc ATM Transfers between own accounts held with BNF Bank Transfers between other BNF Bank plc customer Standing order accounts SEPA Standing Order up to

SEPA Standing Order over

Non-SEPA Standing Orders

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Providing and renewing a Providing and renewing a debit card Debit Card Classic Card - Main Card - Annual Fee Gold Card - Providing and renewing a Pavi Pama Card - credit card Classic Card - Additional Card - Annual Fee Gold Card - Pavi Pama Card - Card Payments in Euro Making payments using Currencies of other EU an International Debit or member states other than 1.75% Credit Card Euro Non-EU Currencies 2.00% Making payments using a N/A local Debit or Credit Card Replacing a Debit Card Fee Replacing a card Classic Card - Replacing a Credit Card Fee Gold Card - Pavi Pama Card - Euro cheque drawn on (issued by) Depositing and encashing local banks a cheque Own Cheque Images Cheque Images via Internet

Banking

consecutive cheque numbers, Stopping a cheque Stopping a cheque irrespective of the number of cheques Via Internet Banking up to

Sending money in Euros Via Internet Banking over to other account in the

Single Euro Payment Area Over the Counter

Transactions Outward Transfer in other currency via Internet Banking Over the Counter

Sending money in other Transactions currencies to any other Same Day Value account via Internet Banking in Euro via Internet Banking in Other

Currency Over the Counter

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Additional fee for Same Day Value Outward Transfers

SEPA Inward Payment up to

Receiving money - Euro SEPA Inward Payment over

BNF Bank plc - Savings Account

Term Fee components Fee The charge is incurred twice a year (April and October) and applies only if the Account has a

Maintaining the account Account Administration Fee transactions in the previous 6 months and the Account holder only has Savings and/or Current accounts and no other Bank products - Subscribing and renewing Subscribing to Internet internet, mobile and Banking Service telephone banking Issuing of Statements by

default Requesting statements over

Requesting statements the counter, in print form Change in Statement Frequency for non-Internet once a month) Banking users

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Online users requesting statements in print form by post year old Ad-hoc requests for extra statements in print form by post Cash Withdrawal from BNF

Bank plc ATM Cash Withdrawal from any Cash withdrawal or other bank ATM or branch in deposit the Eurozone affected) Cash Deposit in a BNF Bank

plc ATM Transfers between own accounts held with BNF Bank Transfers between other BNF Bank plc customer Standing order accounts SEPA Standing Order up to

SEPA Standing Order over

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Euro cheque drawn on Depositing and encashing (issued by) a cheque local banks Stopping a cheque N/A Via Internet Banking up to

Sending money in Euros Via Internet Banking over to other account in the

Single Euro Payment Area Over the Counter

Transactions Outward Transfer in other currency via Internet Banking Over the Counter

SEPA Inward Payment up to

Receiving money - Euro SEPA Inward Payment over

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BNF Bank plc - Students Account

Term Fee components Fee The charge is incurred twice a year (April and October) and applies only if the Account has a

Maintaining the account Account Administration Fee transactions in the previous 6 months and the Account holder only has Savings and/or Current accounts and no other Bank products - Subscribing and renewing Subscribing to Internet internet, mobile and Banking Service telephone banking Issuing of Statements by

default Requesting statements over

Bank plc ATM Cash Withdrawal from any Cash withdrawal or other bank ATM or branch in deposit the Eurozone affected) Cash Deposit in a BNF Bank

plc ATM Transfers between own accounts held with BNF Bank Transfers between other Standing order BNF Bank plc customer accounts SEPA Standing Order up to

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SEPA Standing Order over

Non-SEPA Standing Orders Providing and renewing a Providing and renewing a 0.00 debit card Debit Card Classic Card - Main Card - Annual Fee Gold Card - Providing and renewing a Pavi Pama Card - credit card Classic Card - Additional Card - Annual Fee Gold Card - Pavi Pama Card - Card Payments in Euro Making payments using Currencies of other EU an International Debit or member states other than 1.75% Credit Card Euro Non-EU Currencies 2.00% Making payments using a N/A local Debit or Credit Card Replacing a Debit Card Fee 10.00 Classic Card - Replacing a card Replacing a Credit Card Fee Gold Card - Pavi Pama Card - Euro cheque drawn on (issued by) Depositing and encashing local banks a cheque Own Cheque Images Cheque Images via Internet

Banking

consecutive cheque numbers, Stopping a cheque Stopping a cheque irrespective of the number of cheques Via Internet Banking up to

Sending money in Euros Via Internet Banking over to other account in the

Single Euro Payment Area Over the Counter

Transactions Outward Transfer in other currency via Internet Sending money in other Banking Over the Counter currencies to any other account Transactions Same Day Value via Internet Banking in Euro

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via Internet Banking in Other

Currency Over the Counter Additional fee for Same Day Value Outward Transfers

SEPA Inward Payment up to

Receiving money - Euro SEPA Inward Payment over

BNF Bank plc - Students Online Savings Account

Term Fee components Fee The charge is incurred twice a year (April and October) and applies only if the Account has a balance Account Administration Maintaining the account account had no transactions in the Fee previous 6 months and the Account holder only has Savings and/or Current accounts and no other Bank products - Subscribing and renewing Subscribing to Internet internet, mobile and Banking Service telephone banking Issuing of Statements by

default Requesting statements Requesting statements over the counter, in print form

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Change in Statement Frequency for non-Internet once a month) Banking users Online users requesting statements in print form by post year old Ad-hoc requests for extra statements in print form by post Cash Withdrawal from BNF

Bank plc ATM Cash Withdrawal from any Cash withdrawal or other bank ATM or branch deposit in affected) the Eurozone Cash Deposit in a BNF Bank

plc ATM Transfers between own accounts held with BNF Bank Transfers between other BNF Bank plc customer Standing order accounts SEPA Standing Order up to

SEPA Standing Order over

Non-SEPA Standing Orders Providing and renewing a Providing and renewing a debit card Debit Card Classic Card - Main Card - Annual Fee Gold Card - Providing and renewing a Pavi Pama Card - credit card Classic Card - Additional Card - Annual Gold Card - Fee Pavi Pama Card - Card Payments in Euro Making payments using Currencies of other EU an International Debit or member states other than 1.75% Credit Card Euro Non-EU Currencies 2.00% Making payments using a N/A local Debit or Credit Card Replacing a card Replacing a Debit Card Fee

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Classic Card - Replacing a Credit Card Gold Card - Fee Pavi Pama Card - Euro cheque drawn on (issued by) Depositing and encashing local banks a cheque Own Cheque Images Cheque Images via

Internet Banking

Stopping a cheque Stopping a cheque cheque numbers, irrespective of the number of cheques Via Internet Banking up to

Sending money in Euros Via Internet Banking over to other account in the

Single Euro Payment Area Over the Counter

Transactions Outward Transfer in other currency via Internet Banking Over the Counter

Transactions Same Day Value Sending money in other via Internet Banking in currencies to any other Euro account via Internet Banking in

Other Currency Additional fee for Same Day Value Outward Transfers marked as

SEPA Inward Payment up

Receiving money - Euro SEPA Inward Payment over

Other Inward Payment to

Receiving money - other Other Inward Payment to currencies Other Inward Payment to Non Eur Account Expenses Rate and fee charged BBR + 7.5% (Charged on Full Arranged overdraft when the Demand Deposit Excess Account)

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account is in excess or encroached month or part thereof

Direct Debit Direct Debits

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ECCM Bank plc

Term Fee

Maintaining the account. Service not Subscribing and renewing internet, mobile and telephone banking. provided. Service not Requesting statements. provided. Service not Cash withdrawal or deposit. provided. Service not Standing order. provided. Service not Providing and renewing a debit card. provided. Service not Providing and renewing a credit card. provided. Service not Making payments using an International Debit or Credit Card. provided. Service not Replacing a card. provided. Service not Depositing and encashing a cheque. provided. Service not Stopping a cheque. provided. Sending money in Euros to other account in the Single Euro Payment Area. Sending money in other currencies to any other account payment Receiving money - Euro. Receiving money - other currencies. 1% Arrangement Arranged Overdraft. Fee Service not Direct Debit provided.

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FCM Bank Limited

Term Fees Maintaining the account 0 Subscribing/renewing internet banking 0 Requesting statements 0 Cash withdrawal/deposit not applicable Standing order not applicable Providing and renewing a credit card not applicable Providing and renewing a debit card not applicable Making payments using an intl debit/credit card payment not applicable Making payments using a local debit/credit card payment not applicable replacing a card not applicable depositing only - using Depositing/ encashing a cheque cheque from own account at another bank Stopping a cheque not applicable Sending money in Eur to other account us Single Euro 0 Payment Area only GBP allowed to a Sending Money in other currencies to any other account linked bank account in own name Receiving money - Euro 0 only GBP allowed from Receiving money - other currencies bank account in own name only Arranged overdraft not applicable Direct debit not applicable

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Ferratum Bank

Term Fees Maintaining the account Subscribing and renewing internet, mobile and telephone banking

printed statement Requesting statements requested by customer 10

Withdrawal: 4 times a month free of charge, then Cash withdrawal or deposit withdrawal Deposit: N/A* Standing order Providing and renewing a debit card Providing and renewing a credit card Making payments using an International Debit or Credit Card Making payments using a local Debit or Credit Card Expired card, regular Replacing a card

Depositing and encashing a cheque N/A* Stopping a cheque N/A* Sending money in Euros to other account in the Single Euro Payment Area Sending money in other currencies to any other account N/A* Receiving money Euro Receiving money - other currencies N/A* Arranged overdraft N/A* Direct Debit N/A*

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FIMBANK plc

Term Fee N/A Maintaining the account Subscribing and renewing internet, mobile and EUR 0 telephone banking If duplicated statements are requested, one hard copy per year is Requesting Statements free of charge. Additional copies may be requested against a fee N/A Cash Withdrawal or deposit EUR 0 Standing Order N/A Providing and renewing a debit card N/A Providing and renewing a credit card Making payments using an International Debit or N/A Credit card N/A Making payments using a local debit or credit card N/A Replacing a card Encashing not available. Depositing of cheques only Depositing and encashing a cheque

N/A Stopping a cheque Up to EUR 10,000 = EUR 0

Sending money in Euros to other account in the SEPA area

0.10% = EUR 0 Sending money in other currencies to any other account

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EUR 0 Receiving money Euro EUR 0 Receiving money other currencies N/A Arranged overdraft N/A Direct Debit

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HSBC Bank Malta plc

Term Fee Minimum Balance Fee;

Maintaining the account If the average of the combined balances of your savings and current accounts in Malta does not

Subscribing and renewing internet, mobile and telephone banking Re-print of statement Re- per request of statements (in addition to the standard fee) Requesting statements Extra statements (in excess of monthly frequency)

Paper statements mailed to customers subscribed to PIB

Cash withdrawal or deposit For over the counter transactions effected through

Standing order payable to another account with HSBC Bank Malta plc

per payment Automated standing instructions:

Standing order

ll other currencies. Balance triggered Standing order without advice

Balance triggered Standing order with advice

Providing and renewing a debit card

Providing and renewing a credit card

Making payments using an When transaction is in currency other than Euro International Debit or Credit Card 1.75% Making payments using a local Debit N/A (All HSBC Cards are International) or Credit Card Quick Cash Card have deposit only functionality

Replacing a card

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Local: HSBC Malta Account holder encashing and

Encashment of HSBC Malta and other local bank cheques, including CBM (applicable to non-

Foreign: (Applicable to HSBC Account holders only) Negotiation of Foreign Cheques (in USD, GBP, AUD, CHF, CZK, NZD & SGD) 0.50% (Minimum Depositing and encashing a cheque

Foreign Bank Cheques sent for collection 0.30%

Foreign Cheques credited to Term Deposit Account (of not less than 3 months duration)

Negotiation of Foreign Pension Cheques

transaction) Foreign Pension Cheques sent for collection in EURO - Stopped Cheques (applicable whether stop instructions are for one cheque or a block of cheques) Stopping a cheque

Stop Payment of Draft SEPA payment Automated Instructions - Sending money in Euros to other account in the Single Euro Payment and over - Area

Sending money in other currencies:

Urgent instructions for all instructions (any Sending money in other currencies to any other account

Non-SEPA Payment Automated Instructions Non-SEPA Payment Non Automated instructions

Receiving money Euro

Receiving money - other currencies

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Payments cred

Payments credited to a non-euro account (any

Interest Rate on Excesses: Arranged overdraft Applicable margin over the rate stated in the facility letter 3.00% per annum SEPA Direct Debit: Direct Debit

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IIG Bank (Malta) Limited

Term Fee All accounts are subject to an Inactive Account Maintaining the account Maintenance Fee of USD 200 per annum after 360days inactivity charged per account. Mobile and Telephone Banking - Not available. Internet: Activation Fee HID Mobile application Subscribing and renewing internet, authentication. Free of charge up to three users. mobile and telephone banking USD 25 for the fourth or any additional users. Activation Fee Hardware Token authentication. USD 75 per User (including courier expenses for the delivery of the token). Individual statements once a year are free of Requesting statements charge. Any extra statements at USD 15 flat. Service not available Cash withdrawal or deposit Service not available Standing order Service not available Providing and renewing a debit card Service not available Providing and renewing a credit card Making payments using an Service not available International Debit or Credit Card Making payments using a local Debit Service not available or Credit Card Service not available Replacing a card Service not available Depositing and encashing a cheque Service not available Stopping a cheque Sending money in Euros to other EUR 5 flat (or other equivalent). account in the Single Euro Payment Area 0.125% flat min. USD 50, max. USD 250. However outward payments in settlement of Sending money in other currencies to matured term deposits in other currencies or non- any other account SEPA: 0.1% flat (min USD 25, max USD 100 or equivalent) SEPA: EUR 5 flat (or equivalent). Receiving money Euro Other EUR payments non SEPA: 0.125% flat min.

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USD 50, max. USD 250. However inward payments related to placement of a term deposit - Free 0.125% flat min. USD 50, max. USD 250. Receiving money - other currencies However inward payments related to placement of a term deposit - Free Service not available. Arranged overdraft Service not available Direct Debit

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Lombard Bank Malta plc Fees related Fees to Current Fees related to Term components and Savings "PostePay and Save" account Maintaining the N/A account Registration (New Application) for Home Loan Loan Customers) Customers) Software Token

Issuing & Renewing

Hardware Token Subscribing and renewing Issuing & Renewing 15.00 yearly per N/A internet, mobile token and telephone Replacement of N/A banking Security Token With Hardware N/A Token additional fee (Not applicable if Issuing & Renewing fee already in place.) With Software N/A Token Default Statements

Non-default N/A Statements Extra Statements (in excess of default frequency) Requesting Duplicates statements statements Duplicate statements of 8 years and over Returned Mail Mail returned due to change of

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address not notified. Cash Withdrawal in FREE EUR from Lombard Bank ATMs Cash Withdrawal in Cash withdrawal EUR from Non- or deposit Lombard ATMs in Malta and EEA Cash Withdrawal from Non-EEA Bank ATMs Set-up

Sending money in Euros to other Lombard Bank Account Sending money in Standing order Euros to another bank account For each payment made by Bills Payable Standing Order not effected due to lack of funds Providing and Providing and Renewing of Debit renewing a debit Card card Re Issue of PIN

Providing and renewing a N/A credit card Foreign Exchange 3% of transaction 3% of transaction value Fee for Non-Euro value Making ATM Cash payments using Withdrawal and an International Non-Euro Payment Debit or Credit using International Card Debit Card On-line Money Transfers

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SMS Notification for Foreign N/A Card Transactions Carrier charges may apply) Making payments using N/A a local Debit or Credit Card Card Replacement Replacing a card Fee Local Cheques presented for Encashment Lombard Bank FREE account holders All Cheques Non-Lombard Bank N/A Depositing and account holders encashing a Lombard Bank cheque cheques Non-Lombard Bank N/A account holders CBM cheques Non-Lombard Bank N/A account holders Other Local cheques Per cheque / or for N/A Stopping a consecutive request cheque cheques

Sending money in Euros to other account in the Single Euro Payment Area Over the counter above charges charges Other Transfers max 10.00 60.00) Sending money Transfer with N/A in other charge option currencies to - EURO any other Transfer with USD 35 N/A account charge option GBP 35 AUD 35 CAD 35 CHF 35

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Same Day Value Double normal N/A (For all currencies charges above including Non- SEPA EURO) Over the counter above charges charges Non-STP N/A transfer Repair Charges

Personal Customer Receiving - money - Euro Personal Customer N/A - Receiving Other Currency & N/A money - other Non-SEPA (any 10.00 currencies amount) 60.00) Arranged Renewal Fee 0.1% of overdraft N/A overdraft Direct Debit N/A

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Merkanti Bank Limited T Fee erm Eur 300 per annum Maintaining the account Subscribing and renewing internet, N/A mobile and telephone banking

Requesting statements N/A Cash withdrawal or deposit N/A Standing order N/A Providing and renewing a debit card N/A Providing and renewing a credit card Making payments using an International N/A Debit or Credit Card Making payments using a local Debit or N/A Credit Card N/A Replacing a card N/A Depositing and encashing a cheque N/A Stopping a cheque EUR 10 flat. Sending money in Euros to other account in the Single Euro Payment Area

0.125% of the amount. Sending money in other currencies to any Plus, EUR 30 for Non-Sepa payments. other account Plus, EUR 30 for same day value fee. Euro inward payments via TARGET: Free of Charge Receiving money Euro Euro inward payments received outside of TARGET: EUR 15 flat 0.125% of amount. Receiving money - other currencies Plus, EUR 30 on non-EUR SEPA payments. As per agreement Arranged overdraft N/A Direct Debit

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NBG Bank Malta Limited

Term Fee

Maintaining the account Subscribing and renewing N/A internet, mobile and telephone banking One statement per year Free (electronic copy)

Requesting statements regardless of the number of pages) to 10 pages - any additional page plus postage expense Cash withdrawal or deposit N/A

Standing order N/A Providing and renewing a debit N/A card Providing and renewing a credit N/A card Making payments using an N/A International Debit or Credit Card Making payments using a local N/A Debit or Credit Card Replacing a card N/A Depositing and encashing a N/A cheque Stopping a cheque N/A

Sending money in Euros to other account in the Single Euro Payment Area

(e.g. OUR) Sending money in other

currencies to any other account Same day & Next Day: 0

third party expenses (e.g. OUR)

Receiving money Euro

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Receiving money- other 0.03% Mi currencies

Arranged overdraft trimester

Direct Debit N/A

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Financial Institutions EMP Systems Limited

Term Fee Natural person - 0 EUR Maintaining the account Subscribing and renewing internet, 0 EUR mobile and telephone banking 0 EUR Requesting statements first in a week free, next one 1% Cash withdrawal or deposit N/A - the entity does not provide such services Standing order N/A - the entity does not provide such services Providing and renewing a debit card N/A - the entity does not provide such services Providing and renewing a credit card Making payments using an International N/A - the entity does not provide such services Debit or Credit Card Making payments using a local Debit or N/A - the entity does not provide such services Credit Card N/A - the entity does not provide such services Replacing a card N/A - the entity does not provide such services Depositing and encashing a cheque N/A - the entity does not provide such services Stopping a cheque Sending money in Euros to other 1 EUR, 2,50 EUR, 6 EUR, 20 EUR, 0.2% - depending account in the Single Euro Payment on the client and the agreement Area Sending money in other currencies to 0.2% (min 20 EUR); 0.25% (min 10 EUR) - any other account depending on the client and the agreement 0 EUR Receiving money Euro 0 EUR Receiving money - other currencies N/A - the entity do not provide such services Arranged overdraft N/A - the entity do not provide such services Direct Debit

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Eurochange Financial Services Limited

Term Fee Not applicable Maintaining the account Subscribing and renewing internet, Not applicable mobile and telephone banking Not applicable Requesting statements Not applicable Cash withdrawal or deposit Not applicable Standing order Not applicable Providing and renewing a debit card Not applicable Providing and renewing a credit card Making payments using an Not applicable International Debit or Credit Card Making payments using a local Debit Not applicable or Credit Card Not applicable Replacing a card Not applicable Depositing and encashing a cheque Not applicable Stopping a cheque Charges applied by Eurochange Financial Services Ltd Sending money in Euros to other the particular customer and depend on whether same account in the Single Euro Payment day service is requested, the values and volumes Area involved. In some cases, an additional fixed fee of so applied. Sending money in other currencies to as negotiated with the particular customer and depend any other account on whether same day service is requested. Not applicable Receiving money - Euro Not applicable Receiving money - other currencies Not applicable Arranged overdraft Not applicable Direct Debit

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Fexserv Financial Services Limited

Term Fee Account Application Fee Maintaining the account Subscribing and renewing internet, N/A mobile and telephone banking Requesting statements Cash withdrawal or deposit N/A Standing order N/A Providing and renewing a debit card N/A Providing and renewing a credit card N/A Making payments using an N/A International Debit or Credit Card Making payments using a local Debit N/A or Credit Card Replacing a card N/A Depositing and encashing a cheque N/A Stopping a cheque N/A Sending money in Euros to other - account in the Single Euro Payment optional -day fee extra) Area Sending money in other currencies to - any other account optional -day fee extra) Receiving money Euro Receiving money Other currencies Arranged overdraft N/A Direct Debit N/A

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Finance Incorporated Limited

Term Fee components Fee e-Wallet Maintaining the account Card Subscribing and renewing internet, mobile and telephone banking

Requesting statements ATM Withdrawal - Domestic - EEA Subregion Cash withdrawal or deposit - Europe but not EEA - International Cash advance through POS at Banks Service not Offered N/A Standing order Providing and renewing a debit Annual Card fee (every annual card anniversary) Providing and renewing a credit Service not Offered N/A card Making payments using an International Debit or Credit Card Making payments using a local Debit or Credit Card Card Replacement fee Replacing a card (Chargeable on order) Depositing and encashing a Service not Offered N/A cheque Service not Offered N/A Stopping a cheque SEPA Outward Payment (Amounts Sending money in Euros to other < EUR 1,000) account in the Single Euro SEPA Outward Payment (Amounts Payment Area > EUR 1,001) Non SEPA Outward Payments (Amounts < EUR 2,000) Non SEPA Outward Payments Sending money in other currencies (Amounts EUR 2,001 to EUR to any other account 20,000) Non SEPA Outward Payments (Amounts > EUR 20,001)

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Load through Bank Transfers FREE - Receiving money Euro - Load through Sofort Load through Bank Transfers FREE - Receiving money - other currencies - Load through Sofort Service not Offered N/A Arranged overdraft Direct Debit (Amounts < EUR 1,000) Direct Debit Direct Debit (Amounts > EUR 1,001)

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Finco Treasury Management Limited Term Fee Maintaining the account 0 Subscribing and renewing internet, mobile and Not applicable telephone banking Requesting statements 0 Cash withdrawal or deposit 0 Standing order 0 Providing and renewing a debit card Not applicable Providing and renewing a credit card Not applicable Making payments using an International Debit Not applicable or Credit Card Making payments using a local Debit or Credit Not applicable Card Replacing a card Not applicable Depositing and enchasing a cheque 0 Stopping a cheque 0 Sending money in Euros to other account in the 25 up to 50,000; Single Euro Payment Area 0.01% over 50,000 Sending money in other currencies to any other USD/STG 20 up to USD/STG 50,000; account 0.01% over USD/STG 50,000 Receiving money (Euro) 0 Receiving money (Other currency) 0 Arranged overdraft Not applicable Direct Debit Not applicable

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Finductive Limited

Term Fee Maintaining the account Subscribing and renewing internet, mobile and

telephone banking Requesting Statements Cash withdrawal or deposit N/A Standing Order N/A Providing and renewing a debit card N/A Providing and renewing a credit card N/A Making payments using an International Debit or N/A Credit Card Making payments using a local Debit or Credit N/A Card Replacing a card N/A Depositing and encashing a cheque N/A Stopping a cheque N/A Sending money in Euros to other account in the Single Euro Payment Area per transfer Sending money in other currencies to any other

account

Receiving money Euro per transfer

Receiving money - other currencies Per transfer Arranged overdraft N/A Direct Debit N/A

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Insignia Cards Limited Term Fee Maintaining the account Subscribing and renewing internet, mobile and

telephone banking Requesting statements Cash withdrawal or deposit Standing order Providing and renewing a debit card Providing and renewing a credit card Making payments using an International Debit

or Credit Card Making payments using a local Debit or Credit

Card Replacing a card Depositing and encashing a cheque Stopping a cheque Sending money in Euros to other account in

the Single Euro Payment Area Sending money in other currencies to any

other account Receiving money Euro Receiving money - other currencies Arranged overdraft Direct Debit

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Mifinity Malta Limited

Term Fee FREE for personal use If one does not log in for 12 months, the account Maintaining the account month will be deducted from the funds in account. Subscribing and renewing internet, Not applicable mobile and telephone banking Requesting statements Not applicable

Cash withdrawal or deposit Not applicable Send money between own eWallets 1% (Ma Standing order Send money to friends & family 1% (Maximum

Providing and renewing a debit card Not applicable

Providing and renewing a credit card Not applicable VISA non-EEA 2.5% VISA Interregional 3.5% Making payments using an MasterCard Non-EEA Eastern 2.5% International Debit or Credit Card MasterCard Non-EEA Western 2.5% MasterCard Interregional 4% Making payments using a local Debit or VISA EEA 1.8% Credit Card MasterCard EEA 1.8% Replacing a card Not applicable

Depositing and encashing a cheque Not applicable

Stopping a cheque Not applicable Send money between own eWallets 1% Sending money in Euros to other

account in the Single Euro Payment Send money to friends & family 1% (Maximum Area

For transactions involving currency conversion Sending money in other currencies to MiFinity adds a fee of 2.99% to our wholesale any other account exchange rates Receiving money Euro FREE

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Receiving money - other currencies FREE

Arranged overdraft Not applicable

Direct Debit Not applicable

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Moneybase Limited

Term Fee Comment Maintaining the account 0.00 Subscribing and renewing internet, mobile 0.00 and telephone banking Requesting statements 5.00 Cash withdrawal or deposit - not supported (outside CAP) Standing order 0.00 Providing and renewing a debit card 0.00 Providing and renewing a credit card 0.00 Making payments using an International Debit 0.00 or Credit Card Making payments using a local Debit or Credit 0.00 Card Replacing a card 0.00 Depositing and encashing a cheque - we do not support cheques Stopping a cheque - we do not support cheques Sending money in Euros to other account in Free up month, 0.00 the Single Euro Payment Area Sending money in other currencies to any - not supported other account Receiving money Euro 0.00 Receiving money - other currencies - not supported Arranged overdraft - not supported Direct Debit 0.00

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Papaya Limited Term Fee EU (Residents of EU) 1 IBAN account + 1 card: 0.00 EUR monthly, 5 free Interbank SEPA payments included; 1 IBAN account + 1 card + Maintenance fee additional cards: 2.00 EUR monthly, 5 free Interbank SEPA payments included Subscribing and renewing internet, mobile and EUR 0.00 Online and mobile banking access fee telephone banking Requesting statements Account statement hardcopy print EUR 5.00 Top-up by card 3.5%; Account top up with cash 5% ATM cash withdrawal within EU Free of charge up to 200 Cash withdrawal or deposit EUR/month then 1% of the withdrawal amount; ATM cash withdrawal outside of EU 1% of the withdrawal amount, minimum EUR 1.50; Standing order N/A Providing and renewing a Issuing of additional card EUR 7.00 debit card Providing and renewing a N/A credit card Making payments using an International Debit or Credit N/A Card Making payments using a EUR 0.00 local Debit or Credit Card Replacing a card Card replacement as per clients request EUR 7.00 Depositing and encashing a N/A cheque Stopping a cheque N/A Sending money in Euros to EUR 0.00 up to 5 payments monthly, EUR 0.20 starting from other account in the Single 6th payments Euro Payment Area Sending money in other currencies to any other N/A account Receiving money Euro EUR 0.00 Receiving money - other N/A currencies Arranged overdraft N/A Direct Debit N/A

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