|Card maintenance fee||EUR 1.50 per month |
Card validity 3 years.
Cash withdrawal fees are debited on a daily basis, monthly fees are debited on the last but one workday of each month.
Account fees and transaction fees set in the Pricelist are separately charged for using the payment card linked account and for transactions performed therein without using a payment card.
The Bank has the right to unilaterally change the Pricelist, terms and conditions, fees, interest and/or their calculation and payment procedure for the payment card servicing and for the provision of payment services, as well as other banking service fees following the procedure set in the General Rules on the Provision of Services of the Bank and the Terms and Conditions for the Provision of Payment Services with at least 60 calendar days' notice to the Customer who is a consumer. The above mentioned notification is handed over to the Customer personally or announced publicly. Publicly available notification is regarded as an appropriate way of informing the Customer about a unilateral change of the Terms and Conditions for the Provision of Payment Services and/or the Price-list. It shall be deemed that the Customer agrees with these changes provided that before the day of the entry of changes into force he has not notified the Bank that he disagrees with these changes. In such case the Customer has the right to refuse the card without delay before the effective date of the amendments and to pay no commission fee for that. If the Customer does not avail of the right to waive the card before the effective date of the amendments, it shall be deemed that the Customer agrees with the amendments made.
The customer may get information about the fees specifically applied thereto during the bank's business hours in all bank's units or by dialling the short-code 1608.
Example of the annual rate calculation on the overall credit price (Visa Classic UP)
If the Bank issued EUR 1,500 credit in the payment card account for 36 months' period, the overall amount payable by the borrower would make EUR 1,659.48 and the overall annual rate of the credit price would make 21.14%.
The calculations include the interest paid during the credit period (16 % fixed annual interest rate was used for the calculation), payment card administration fee of EUR 1.50 per month and minimal service fee of EUR 1 per month.
The overall annual rate of the credit price and the overall amount payable by the borrower is calculated assuming that the total Credit Limit is used on the Credit Limit issue day and is fully repaid on the last effective day of the agreement and the interest for using the Credit Limit is paid every month.