Załącznik nr - About BZ WBK

Transcrição

Schedule of Fees & Charges collected by Bank Zachodni WBK for banking services provided to Personal Customers
SCHEDULE OF FEES & CHARGES COLLECTED BY BANK ZACHODNI WBK
FOR BANKING SERVICES PROVIDED TO PERSONAL CUSTOMERS
Effective as of 1.06.2014
(includes also the amended items applicable as of 9.06.2014)
1
TABLE OF CONTENTS
GENERAL PROVISIONS ...................................................................................................................................................................................................... 3
PART 1. PRODUCTS AND SERVICES IN THE CURRENT OFFERING ............................................................................................................................. 7
CHAPTER I BANK ACCOUNTS ............................................................................................................................................................................................ 7
CHAPTER II ACCOUNT PAYMENT CARDS/OTHER ELECTRONIC PAYMENT INSTRUMENTS ISSUED FOR ACCOUNTS........................................ 8
CHAPTER III E-BANKING SERVICES ................................................................................................................................................................................ 10
CHAPTER IV TERM DEPOSITS AND SAVINGS ACCOUNTS .......................................................................................................................................... 11
CHAPTER V CREDIT CARDS ............................................................................................................................................................................................ 13
CHAPTER VI LOANS .......................................................................................................................................................................................................... 15
CHAPTER VII FOREIGN CURRENCY TRANSACTIONS .................................................................................................................................................. 18
CHAPTER VIII OTHER SERVICES .................................................................................................................................................................................... 20
APPENDIX NO. 1 INSURANCE .......................................................................................................................................................................................... 23
APPENDIX NO. 2 PRIVATE BANKING AND WEALTH MANAGEMENT PRODUCTS AND SERVICES .......................................................................... 26
PART 2. SERVICES WITHDRAWN FROM THE OFFERING............................................................................................................................................. 27
CHAPTER I BANK ACCOUNTS AND PACKAGES NOT COVERED BY THE OFFERING ............................................................................................... 27
CHAPTER II PAYMENT CARDS FOR ACCOUNTS AND CHARGE CARDS NOT INCLUDED IN OFFERING ............................................................... 32
CHAPTER III CREDIT CARDS NOT COVERED BY THE OFFERING .............................................................................................................................. 36
CHAPTER IV SAVINGS ACCOUNTS AND TERM DEPOSITS .......................................................................................................................................... 38
CHAPTER V LOANS ........................................................................................................................................................................................................... 39
CHAPTER VI INSURANCE NOT COVERED BY THE OFFERING .................................................................................................................................... 45
APPENDIX NO. 1 AVOCADO PRODUCTS AND SERVICES ............................................................................................................................................ 47
2
GENERAL PROVISIONS
1.
Bank Zachodni WBK, hereinafter referred to as BZ WBK, collects fees and charges as per the "Schedule of Fees and Charges collected by Bank Zachodni WBK for banking services provided to
personal customers", hereinafter referred to as the "Schedule".
Definitions:
Partner Outlet – BZWBK agency outlet operating under the name “Bank Zachodni WBK Partner”.
BZWBK Outlet - BZWBK Branch, Partner Outlet or another BZWBK organisational unit providing services to customers.
Business Day – each day not being Saturday or a public holiday. Another bank – an entity other than BZWBK, providing payment services as per art. 3 of the Act on Payment Services of 19 August
2011, including a foreign bank.
2.
3.
4.
Fees and charges are set in Polish zloty or in foreign currencies.
Collection of fees and charges
Fees and charges for payment services provided pursuant to a general agreement, collected on periodical basis, are payable to BZWBK only for the term of such general agreement and are subject
to:
a) pro rata return – for fees & charges collected in advance,
b) pro rata accrual – for fees & charges collected in arrears,
and apply for a period during which a given product was actually availed of.
4.1a. Bank accounts and savings accounts listed in part 1, chapter 1, chapter 4, table 1, appendix 2 and appendix 3 (‘Bank Accounts’ table) and in part 2, chapter 1, table 1.
Fees and charges are collected in the following manner:
a) account maintenance – on the last day of the calendar month or on the account closing date
b) transfers, statements, withdrawals, direct debits – collective fees for individual transactions and statements sent from the first to the last day of a given calendar month, inclusive or till the account
closing date, inclusive, are collected on the last day of a given calendar month or on the account closing date excluding the following accounts: Private Banking account, Wealth Management
account in the case of which the fee is collected as follows: collective fees for individual transactions and statements sent from the first to the 15th day of a given calendar month, inclusive or to
the account closing date, inclusive, or from the 16th till the last day of a given calendar month or till the account closing date, inclusive, are collected on a regular basis on the 15th or the last day
of a given calendar month or on the account closing date.
c) Other fees are collected from the account managed by BZWBK – on the day of placing or effecting an order or at other dates indicated in this Schedule of fees and charges or in agreements
signed by a customer and BZWBK.
When an account managed by BZWBK is closed and account maintenance fee depends on the amount of minimum inflows, should the minimum inflows condition be not met in full the fee is collected
pro rata.
4.1b. Bank accounts and savings accounts listed in part 1, chapter 4 (‘Term Deposits’ table and table 2) and in part 2, chapter 1, tables 2-4 and chapter 4.
Monthly fees for accounts and bank packages are collected beginning from the next calendar month after the account opening, in arrears, at the end of each month.
account maintenance – on the last day of the calendar month,
other fees are collected from the account managed by BZWBK – on the day of placing or effecting an order or at other dates indicated in this Schedule of individual fees and charges or in
agreements signed by a customer and BZWBK.
In the case of:
a) lack of funds in the account or lack of overdraft limit to cover the fees/ charges and
b) lack of turnover in the account (excluding the accrued interest, fees and charges) recorded for a period longer than 3 months,
beginning from month 4, the Bank suspends the accrual of fees and charges for the account management. The Bank will renew the accrual of such fees and charges upon identification of inflows to
the account in the amount not lower than the value of due/ accrued fees and charges.
a)
b)
4.2 Account payment cards/other electronic payment instruments and related activities
Fees and charges are collected:
a) on the day of effecting or settling a transaction or
b) in a monthly cycle – by the 10th day of each calendar month (inclusive) following a month to which they refer; the only exception is a monthly fee for Visa KKS Lech card where fees are collected
by the end of each calendar month following a month to which they refer.
c) in an annual cycle – on the card issuance day or on the 25th day of each calendar month;
3
d)
in the case of Maestro, Visa Electron, Visa Electron <30, Wydajesz &Zarabiasz, Visa Classic where the fee accrual cycle was changed into a monthly one and where the previous annual/ twoyear fee was accrued in advance, the change of fee into a monthly one will come into effect after the end of a period for which the previous fee was collected.
4.3. Electronic banking services
Fees and charges are collected in the following manner:
a) Sms-code within BZWBK24sms and Alert24 Packages – fees are collected on the 5th day of a calendar month following the month they apply to.
Sending SMS information, including KB24 alert at the Customer request – fees are collected for each sent information, monthly, in arrears.Fee for issuing/ replacement of KB Card or KB24
b)
multifunctional token is collected at the moment of issuance/ replacement.
d) Fee for issuance/ replacement of the list of single-use passwords, is collected at the moment of:
- issuing/ replacement if it takes place in the Bank’s outlet (excluding partner outlets),
- order – when ordering a new list of single-use passwords from KB24.
4.4a. Credit cards listed in part 1, chapter 5, table 1, part 2, chapter 3
a) when the main or the additional card is issued, the card account is debited with a card fee – during year one, within 3 months of the new card issuance.
b) thereafter, the main & additional card fee is collected on an annual or monthly basis, in accordance with the customer’s instructions:
- the annual fee debits the card account on the day when the first list of transactions is generated, after the end of a calendar month when the card issuance anniversary takes place,
- the first monthly fee debits the card account on the day when the first list of transactions is generated, after the end of a calendar month when the card issuing anniversary takes place,
Thereafter, monthly fees are debited to the card account on the days when subsequent transaction statements are generated.
- in the case of additional cards issued by 13.10.2012, annual fees or monthly fees are collected on the same day as fees for main cards.
- A fee for additional card is collected in the same manner as the main card fee.
c) The main card holder has the right to change the cycle of card fee collection in the next years (from annual to monthly and otherwise). the annual fee debits the card account on the day when
the first list of transactions is generated, after the end of a calendar month when the card issuing anniversary takes place, In the case of cards issued after 13.10.2012, instruction to change the
cycle of card fee collection will lead to debiting the card account with a fee on the day when the first list of transactions is generated, after the end of a calendar month when the card issuing
anniversary takes place. Instructions to change the fee collection frequency/ cycle should be reported by a customer not later than a week before the end of a month when the card issuing
anniversary takes place.
d) When the MasterCard<30 is replaced at the renewal date for customers over 30 – a fee for card replacement is not collected.
e) Fees for issuing and using “123 Credit Card” are collected in monthly cycles, regardless the number of transactions carried out using the card during a settlement cycle. The first monthly fee is
charged to the Card Account in a month directly following the month during which the Agreement was signed. The Card Account charging date is indicated in the list of transactions. The next
monthly fees are collected on the same day of a calendar month when the first fee was collected, however if the fee collection date is a non-business day, then the fee is collected on the
business day directly preceding the non-business day.
4.4b. Credit cards listed in part 1, chapter 5, table 2
a) issuance of the main or the additional card results in debiting the card account with a fee for card issuance and management in year one at the moment of:
card activation or,
sending an SMS with an activation code or,
card collection from the Bank outlet which before the merger between BZWBK SA and Kredyt Bank SA was Kredyt Bank SA outlet.
b) the fee for the main or additional card debits the card account on the day when the first list of transactions is generated, after the end of a calendar month when the card issuing anniversary takes
place,
4.5 Insurance
a) Monthly fee for ”Twoje Bezpieczeństwo” Package is accrued on the debt balance recorded on the 28th day of each month and then collected on the same day. When the date is a non-business
day, the fee is collected on the last business day preceding that day.
b) Monthly fee for ”Bezpieczne Pieniądze Komfort (Safe Money Comfort)” in the amount indicated in this Schedule of Fees and Charges is collected up-front for the following month on the last
business day of a given month during the insurance validity period.
c) When funds in the bank account are insufficient to cover the fees collectable by BZWBK as per Appendix 1, the insurance cover will be discontinued in accordance with Insurance terms &
conditions.
d) Fee for insurance coverage within the additional services package is collected monthly, on the last day of a month, for a given month.
e) Other fees are collected from the account indicated as the one from which fees for insurance should be collected – on the day of placing or effecting an order or at other dates indicated in this
Schedule of Fees and Carges or in agreements signed by a customer and BZWBK.
f)
Hipoteka+ (Mortgage +) insurance:
for Życie 18+ (Life 18+) and Życie 48+ (Life 48+) packages, the fee is set based on the level of debt arising from a loan agreement used for determining the loan instalment that falls due in a
given settlement period.
4
5.
6.
7.
8.
9.
10.
11.
12.
13.
for Praca (Job) package, the fee is set based on the level of loan instalment (under a Loan Agreement) falling due in a given settlement period.
Fees and charges for banking activities are not collected on:
a) operations related to repayment of debts toward BZWBK or its subsidiaries, regardless of the debt form (not applicable to operations effected from the Savings Account),
b) lodgements made by private individuals when an agreement signed with an account holder indicates that in this case, the fee is paid by the beneficiary,
c) cash lodgements made by BZWBK customers and related to payment of tax on civil law activities, provided the tax is related to services provided by BZWBK.
The applicable fees & charges are paid by the party that orders a transaction unless the parties to a given transaction agreed otherwise or the instruction submitted states otherwise and BZWBK
accepts it.
The fees & charges amounts will be rounded in line with generally acceptable principles.
For operations in foreign currencies, fees & charges will be calculated based on:
a) a PLN equivalent of the operation amount – in the case of fees & charges denominated in PLN,
b) operation amount - in the case of fees & charges and cost of international banks denominated in foreign currencies.
Fees & charges denominated in PLN are converted at the average NBP rate applicable on the fee/ charge collection date, except for fees on operations related to:
- purchase/sale of fx currencies - converted at NBP average buy/sell rate applicable on the previous day,
- management of f/x loans and guarantees (excluding early advice, indirect and confirmed guarantees) - converted at the fx buy/sell rate for foreign currencies applicable in BZ WBK,
- purchase/sale of fx currencies at the BZWBK cash desks - converted at buy/sell rate applicable in BZWBK,
- execution of collections in fx currency - converted at buy/sell rate for foreign currencies applicable in BZWBK,
In the case of costs of foreign banks denominated in currency other than the currency in which they will be collected, the conversion is made at the average NBP rate applicable on the day of
collecting costs, except for costs of operations related to the execution of collections, letters of credit in convertible currency, as well as, early advice, indirect and confirmed guarantees - converted at
the sell rate for foreign currencies applicable in BZ WBK.
Fees and charges for transfers/ cash lodgements to an account in another bank do not refer to funds transferred in a foreign currency to accounts of domestic banks and to transfers to accounts in
foreign banks – fees and charges for the execution of these transactions are collected in line with the fees for payment orders.
The provisions set forth in items 8-9 do not apply to activities listed in part 1, chapter 7, table 2, to which the following rules shall apply:
a)
fee for incoming international transfers does not apply to transfers made to an account indicated in a loan agreement or in an annex thereto as the account from which the loan is repaid.
b)
fee for incoming NON-STP international transfers does not apply to transfers concerning pension and disability benefits from abroad. If a fee for the transfer of pension and disability benefits from
abroad exceeds 50% of the value of the incoming transfer, the Bank will collect only 50% of the transferred amount.
c)
fee for outgoing international transfers with BEN cost clause – rates depend on the availability channel and the execution manner (NON-STP or STP-plus). The transferred amount will be
reduced by the Bank’s fee.
d)
fee for an outgoing international transfer as per the payer’s instructions depends on the requested bank transfer path, except for transfers effected via JP Morgan CHASE Bank and those sent to
the former USSR states (except for Lithuania, Latvia and Estonia).
e) fee for costs requested by a foreign bank for non-fulfilment of STP requirements is a fee collected additionally after the request to pay the costs is received from a foreign bank – it is
always charged to the transfer’s Payer, regardless of the cost option and the transfer manner selected.
f)
for rates expressed in percentage – the fee is calculated on the order amount converted into PLN:
- for outgoing international transfer – at the FX sell rate,
- for incoming international transfer – at the FX buy rate,
g)
fees and charges are collected in PLN from an indicated Customer account managed by the Bank outlet (in PLN or in F/X – converted at the F/X buy rate),
h)
in the case of incoming international transfer, when a customer does not have a PLN current account with the bank or funds deposited in the account are insufficient, then the fee is collected in
the transfer currency, from an account managed by the Bank, where the deposited funds are sufficient.
i)
when an account managed by the Bank is debited with an order amount in a currency other than the account currency, then the fee is calculated on the order amount converted to the account
currency at the f/x buy or sell rate applicable in the Bank.
BZ WBK will not notify its customers of changes in this Schedule of Fees and Charges which will consist solely in the introduction of new types of products or services to the BZ WBK offering or in the
case of changes in products or services not referred to in agreements signed by the customer and the Bank.
The Bank reserves the right to increase the fee or charge set forth in the Schedule during the term of an agreement, in accordance with procedure set forth in such an agreement (procedure re.
changes in the Schedule) if at least one of the below factors gets increased by at least 5% since the last change in the fee or charge:
a) 3M WIBOR,
b) NBP lombard rate,
c) NBP bill of exchange rediscount rate,
d) NBP reference interest rate,
e) inflation rate (inflation rate – the ratio concerning prices of consumer goods and services published by the Chief Office of Statistics on a monthly basis).
Increase in the above fee or charge as a result of rise of any of the above rates cannot be higher than the three-fold of the to-date rate. When increasing fees or charges which to-date totalled:
a) PLN 0 – the increased fee or charge cannot exceed PLN 200,
b) 0% – the increased fee or charge cannot exceed 2%.
5
14.
15.
16.
17.
The Bank reserves the right to amend the Schedule by increasing fees or charges or adding new fees or charges during the term of an agreement, in accordance with a procedure set forth in such
an agreement if at least one of the below factors gets increased:
a)
the cost incurred by the Bank on activities and operations carried out in relation to the management of product or service to which the new or increased fee or charge applies,
b)
the cost related to implementation of decisions and instructions of institutions supervising the Bank’s operations, such cost impacting the cost incurred by the Bank in relation to the
management of product or service to which the new or increased fee or charge applies.
Increase in the above fee or charge as a result of rise of any of the above rates cannot be higher than the three-fold of the to-date rate. When increasing fees or charges which to-date totalled:
a)
PLN 0 – the increased fee or charge cannot exceed PLN 200,
b)
0% – the increased fee or charge cannot exceed 2%.
The changes referred to in items 3-14 can be implemented every calendar quarter, at the maximum.
The Bank reserves the right to decrease fees or charges during the term of an agreement, in accordance with a procedure set forth in such an agreement, as a result of changes in competitiveness
on the market of financial services.
The Bank reserves the right to individually agree with the Customer changes in fees or charges or adding new fees or charges during the term of an agreement, with the omission of principles set
forth in items 13-16 hereof.
6
PART 1. PRODUCTS AND SERVICES IN THE CURRENT OFFERING
CHAPTER I
BANK ACCOUNTS
1
Operations
Konto Godne
Polecenia
2
3
Konto 123
Konto
Aktywni 50+
Konto VIP
F/x Konto24
8
9
10
Account maintenance (monthly)
monthly inflow equal to or higher than PLN
1.1
Free of charge
10000,00
Free of charge
Free of charge
1.2
monthly inflow ranging PLN 2000 – PLN 9999.99
Free of charge
1.3
monthly inflow ranging PLN 1000 – PLN 1999.99
PLN 30.00
PLN 20
1.4
inflow below PLN 1000 per month
PLN 3
Transfer to an account with BZWBK
2
Free of charge
Free of charge
Free of charge
Free of charge
Transfer to an account in another bank
3
transfer effected via BZWBK24 e-banking services
Free of charge
Free of charge
3.1
PLN 0.5
Free of charge
in ELIXIR system
transfer effected via BZWBK24 e-banking services
3.2
PLN 3
PLN 3
PLN 3
Free of charge
in Express ELIXIR system
transfer effected in a BZ WBK Outlet/ Branch in
3.3
PLN 7
PLN 7
PLN 7
Free of charge
ELIXIR system
3.4
transfer via SORBNET
PLN 35
35,00 zł
PLN 35
PLN 35
3.5
standing order
Free of charge
Free of charge
PLN 0.5
Free of charge
3.6
direct debit
Free of charge
Free of charge
PLN 0.5
Free of charge
Transfer24
4
Free of charge
Free of charge
PLN 0.5
Free of charge
Account statement
5
eWyciąg (eStatement) sent to the inbox of a
5.1
Free of charge
Free of charge
Free of charge
Free of charge
customer availing of BZWBK24 Internet service
5.2
sent via ordinary mail once a month or more rarely
customers without BZWBK24 Internet
Free of charge
Free of charge
Free of charge
Free of charge
5.2b
customers with BZWBK24 Internet
Free of charge
Free of charge
Free of charge
Free of charge
sent by regular mail more frequently than once a
5.3
PLN 5
PLN 5
PLN 5
Free of charge
month or after each change in the balance
5.4
account statement duplicate
PLN 5
PLN 5
PLN 5
Free of charge
Producing a history of account turnover (for each
6
commenced month)
6.1
PLN 10
PLN 10
PLN 10
PLN 10
customers without BWBK24, when the history
6.2
Free of charge
Free of charge
Free of charge
Free of charge
concerns the previous calendar month
customers without BWBK24, when the history
6.3
concerns a month other than the previous calendar
PLN 10
PLN 10
PLN 10
PLN 10
month
Re. 1.1, 1.2 and 1.3: does not represent inflow, periodical adding of account interest to the balance by the Bank (re. Konto 123).
1
Free of charge
Free of charge
PLN 7
PLN 35
Free of charge
Free of charge
Free of charge
PLN 5
PLN 5
PLN 10
Free of charge
PLN 10
7
CHAPTER II ACCOUNT PAYMENT CARDS/OTHER ELECTRONIC PAYMENT INSTRUMENTS ISSUED FOR ACCOUNTS
TABLE 1
1a
1b
1c
1d
1e
3
4
5
5a
6
Visa
Electron
VIP
MasterCard
Omni
MasterCard
Supri
MasterCard
Payback
Omni
MasterCard
PAYBACK
Multi
MasterCard
PAYBACK
Operations
2
3
4
5
6
7
8
8
9
10
-
PLN 5
-
-
Free of charge
-
Free of charge
PLN 5
-
PLN 1
-
PLN 1
-
-
-
-
-
PLN 1
PLN 5
-
PLN 5
-
-
-
-
-
PLN 5
-
-
-
-
-
Free of charge
-
-
-
-
-
-
-
-
PLN 5
-
-
-
PLN 30
PLN 30
PLN 30
Free of
charge
PLN 30
PLN 30
PLN 30
PLN 30
PLN 30
Free of charge
Free of
charge
Free of
charge
Free of
charge
Free of charge
Free of charge
Free of charge
Free of charge
PLN 15
Free of
charge
Free of
charge
Free of
charge
Free of
charge
Free of
charge
Free of
charge
Free of
charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
PLN 1
PLN 1
PLN 1
Free of charge
PLN 1
Free of charge
Free of charge
Free of charge
Free of charge
PLN 5
PLN 5
PLN 5
PLN 5
Free of charge
PLN 5
Monthly fee for a card
collected every month
collected every month if during the last calendar
month the Bank settled at least one non-cash
transaction effected with the use of a card (except for
Quasi Cash transactions)
month the Bank did not settle any non-cash, card
transaction (except for Quasi Cash transactions)
month the Bank settled non-cash transactions
effected with the use of a card in the amount of at
least PLN 500
collected every month if during the last calendar month
the Bank did not settle non-cash transactions
effected with the use of a card in the amount of at least
PLN 500.
Express issuance of a card
Issuance of another card for an account
NOTE: Applies to the second and other cards issued
for a given account to card holder and card user
Cash withdrawal:
in BZWBK24 ATMs and in BZWBK Partner outlets
5b
in Millennium ATMs
5c
in PKO BP ATMs
5d
in other ATMs and terminals in Poland
5e
in ATMs and terminals of other institutions abroad
5f
cash back
5g
Visa
Electron
Aktywni
50+
Visa Electron
<30
1
1
Visa
Wydajesz
&
Zarabiasz
Visa na
Obcasach
effected with a card at a BZ WBK outlet cash desk
Currency conversion of a foreign transaction effected in
a currency other than EUR (the fee is added
automatically to the transaction amount)
PLN 5
PLN 5
-
Free of
charge
-
Free of
charge
-
Free of
charge
Free of
charge
Free of
charge
Free of
charge
Free of
charge
Free of
charge
-
2,8%
2,8%
2,8%
2,8%
Free of charge
PLN 1
PLN 5
PLN 5
PLN 5
Free of charge
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
3%; min PLN
10
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
-
-
-
-
-
-
-
8
7
Checking the balance of available funds or generating
a mini-statement (a list of 10 recent transactions) in
ATMs
Generating a new PIN number for an issued card –
made at a holder’s request submitted in a paper form
to BZWBK Branch/ Outlet
Generating a history of transactions
8
9
PLN 2
PLN 2
PLN 2
Free of
charge
PLN 2
PLN 2
PLN 2
PLN 2
PLN 2
PLN 9
PLN 9
PLN 9
Free of
charge
PLN 9
PLN 9
PLN 9
PLN 9
PLN 9
PLN 9
PLN 9
PLN 9
PLN 9
Free of
PLN 9
charge
Re. 5g. The service is not available in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A.
PLN 9
PLN 9
PLN 9
TABLE 1 – continued
1
1
1a
1b
1c
2
3
4
Operations
MasterCard
Omni
contactless
sticker
MasterCard
PAYBACK
Omni
contactless
sticker
MasterCard
PAYBACK
Contactless
Sticker
F/X
MasterCard
in EUR / GBP/
USD
rates in the
card currency
2
11
12
13
14
Free of charge
Free of charge
PLN 3
-
-
-
-
-
-
-
-
-
FEE WAIVER: Waiver of the annual fee for year one is granted to the Holder of
the first card issued for a particular account
-
-
-
10,00
Express issuance of a card
-
-
-
10,00
Free of charge
Free of charge
Free of charge
Free of charge
collected every month if during the last calendar month the Bank
settled at least one non-cash transaction effected with the use of a
card (except for Quasi Cash transactions)
collected every month if during the last calendar month the Bank did
not settle any non-cash, card transaction (except for Quasi Cash
transactions)
Annual card fee
NOTE: Applies to the second and other cards issued for a given account to card
holder and card user
Cash withdrawal:
0,25
in Millennium ATMs
1,50
in PKO BP ATMs
1,50
in other ATMs in Poland
1,50
1,50
cash back
1,50
Currency conversion of a foreign transaction effected in a currency
other than EUR (the fee is added automatically to the transaction
amount)
Checking the balance of available funds or generating a mini0,50
statement (a list of 10 recent transactions) in ATMs
Generating a new PIN number for an issued card – made at a holder’s
PLN 9
PLN 9
PLN 9
2,50
request submitted in a paper form to BZWBK Branch/ Outlet
PLN 9
PLN 9
PLN 9
2,00
Re. 5g. The service is not available in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A.
5
5a
5b
5c
5d
5e
5f
5g
6
7
8
9
9
TABLE 2
Applies to cards issued for Ekstrakonto accounts: Plus, Concerto, Rachunek Podstawowy, Profil Spokojny, Profil Aktywny, Profil Ambitny, Profil Zdobywcy, Junior,
Student, S, Profit, VIP, Elita and for accounts: Konto Osobiste (Personal Account), Konto dla Młodzieży, Konto Osobiste dla osób pobierających naukę (personal
Account for students), A’vista EUR Account.
1
1
F/X MasterCard
in EUR
rates in the card
currency
Operations
Visa Sol
Visa Lume
Visa Vento
Visa Terra
Visa
Electron VIP
2
3
4
5
6
7
8
-
Free of charge
-
-
-
-
Free of charge
-
Free of charge
Free of charge
-
-
PLN 4
-
PLN 2
PLN 5
-
-
-
-
-
-
-
10,00
PLN 30
PLN 30
PLN 30
PLN 30ł
Free of charge
10,00
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
10,00
Free of charge
3% min PLN 5
3% min PLN 10
Free of charge
-
Free of charge
Bez opłat
3% min PLN 10
Free of charge
-
Free of charge
3% min PLN 5
3% min PLN 10
Free of charge
-
Free of charge
Bez opłat
3% min PLN 10
Free of charge
-
Free of charge
Free of charge
Free of charge
Free of charge
-
0,25
1,50
1,50
2,8 %
2,8 %
2,8 %
2,8 %
2,8 %
-
PLN 2
PLN 2
PLN 2
PLN 2
Free of charge
0,50
PLN 9
PLN 9
PLN 9
PLN 9
Free of charge
2,50
1a
collected every month if during the last calendar month the
Bank settled at least five non-cash transaction effected
1b
with the use of a card (except for Quasi Cash transactions)
collected every month if during the last calendar month the
Bank did not settle at least five non-cash transaction
1c
effected with the use of a card (except for Quasi Cash
transactions)
Annual card fee
2 FEE WAIVER: Waiver of the annual fee for year one is granted to the
Holder of the first card issued for a particular account
3 Express issuance of a card
4 NOTE: Applies to the second and other cards issued for a given
account to card holder and card user
5
5a
5b
5c
5d
5e
6
7
8
Cash withdrawal:
in BZWBK24 ATMs
in other ATMs and terminals in Poland
cash back
Currency conversion of a foreign transaction effected in a
currency other than EUR (the fee is added automatically to
the transaction amount)
Checking the balance of available funds or generating a
mini-statement (a list of 10 recent transactions) in ATMs
Generating a new PIN number for an issued card – made at
a holder’s request submitted in a paper form to BZWBK
Branch/ Outlet
-
CHAPTER III E-BANKING SERVICES
BZWBK24 ELECTRONIC BANKING SERVICES
Applies to accounts listed in Part 1, chapter 1 and chapter 4, table 1 and in part 2, chapter 1, table 1.
1
1
Operations
Rate
2
3
smsCode
10
1.1
1.2
for Konto<30, Konto Godne Polecenia, Konto 123, Konto VIP or Konto24 VIP holders
for customers who do not hold Konto<30, Konto Godne Polecenia, Konto 123, Konto VIP or Konto24 VIP
account
1.2a
the first 5 smsCodes in a given month
1.2b
the 6th and further smsCodes in a given month
2
SMS under BZWBK24sms service
1
Free of charge
PLN 0.2
PLN 0.5
Operations
MAXI Package
MINI Package
2
3
4
PLN 9
Free of charge
Free of charge
Free of charge
PLN 0.3
Free of charge
Alert24 Packages
3a
package usage
3b
sending an alert (via SMS)
3c
sending an alert (via e-mail)
3
Free of charge
KB24 ELECTRONIC BANKING SERVICES
Applies to accounts listed in Part 1, chapter 4, table 2 and part 2, chapter 1, tables 2 and 3 and in chapter 4, “Savings Accounts” table.
Operations
Rate
1
2
3
1
Sending an SMS, including KB24 alarm at the customer request
PLN 0.3
2
Issuing/ replacement of KB Card – for each KB card
2.1
the first KB Card
Free of charge
2.2
the next KB Card
PLN 5
2.3
replacement of KB card
PLN 5
3
Issuing/ replacement of a multifunctional token for KB24
PLN 50
4
Fee for the list of single-use passwords for KB24
PLN 8
5
Issuing/ replacement of KB token for KB24
Free of charge
Re. 2.1 and 2.2 – the services are available solely in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A.
Re. 4. The list of single-use passwords exclusively for KB24 made available before 08.07.2013, unless KB Card replacement is required.
CHAPTER IV TERM DEPOSITS AND SAVINGS ACCOUNTS
TERM DEPOSITS
Operations
2
Transfer instruction re. transfer of funds from deposit account to an account with a different bank (refers to
1
interest and capital at interest availability dates or upon the expiry of contractual period)
Transfer of funds from a deposit closed prior to the expiry of contractual period to an account with a different
2
bank
Account statement
3
3a
eWyciąg [eStatement] / account statement for BZWBK24 / KB24
3b
hard copy
3c
Rate
3
PLN 7
1
PLN 7
Free of charge
Free of charge
PLN 5
SAVINGS ACCOUNT
TABLE 1
1
1
Operations
Savings account in PLN
Savings account a’la deposit
in PLN
Savings account in F/X
2
3
4
5
Cash withdrawal effected in a BZ WBK outlet
11
1
1a
1b
2
2.1
2.1a
2.1b
2.2
2.3
2.4
3
3.1
3.1a
3.1b
3.2
3.3
3.4
3.5
3.6
4
5
5.1
5.2
5.2a
5.2b
5.3
6
6.1
6.2
6.3
Operations
Savings account in PLN
Savings account a’la deposit
in PLN
2
3
4
5
first one in a calendar month
each next one in a calendar month
Transfer to an account with BZWBK (excl. transfers to term deposits)
effected via BZWBK24 e-banking services
effected in a BZ WBK Outlet
standing order
direct debit
transfer effected via BZWBK24 e-banking services in ELIXIR system
transfer effected via BZWBK24 e-banking services in Express ELIXIR
system
transfer effected in a BZ WBK Outlet in ELIXIR system
standing order
direct debit
Transfer24
Account statement
eWyciąg (eStatement) sent to the inbox of a customer availing of
BZWBK24 Internet service
sent via ordinary mail once a month or rarer
Producing a history of account turnover (for each commenced month)
customers without BWBK24, when the history concerns the previous calendar
month
customers without BWBK24, when the history concerns a month other than
the previous calendar month
Free of charge
PLN 7
Free of charge
PLN 20
Free of charge
PLN 7
Free of charge
PLN 7
PLN 7
PLN 9
PLN 9
PLN 20
PLN 20
PLN 20
PLN 20
PLN 20
Free of charge
PLN 7
PLN 7
PLN 9
-
Free of charge
PLN 8
PLN 8
PLN 20
PLN 20
PLN 20
-
PLN 8
PLN 35
PLN 9
PLN 9
PLN 8
PLN 20
PLN 35
PLN 20
PLN 20
PLN 20
-
Free of charge
Free of charge
Free of charge
Free of charge
PLN 5
PLN 10
Free of charge
PLN 5
PLN 10
Free of charge
PLN 5
PLN 10
PLN 10
PLN 10
PLN 10
Free of charge
Free of charge
Free of charge
PLN 10
PLN 10
PLN 10
Savings account in F/X
TABLE 2
Savings Accounts offered and managed by outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A. or by KB24
service.
1
1
Operations
Konto Ekstra Oszczędnościowe
Konto Oszczędnościowe w walutach
2
3
4
Free of charge
Free of charge
PLN 7
PLN 10
Transfer – on each transfer, once it is effected
1a
the first transfer (including the effected cash withdrawals in an outlet) in a
calendar month
1b
the second and further transfers (including the effected cash withdrawals
in an outlet) in a calendar month
12
1
Operations
Konto Ekstra Oszczędnościowe
Konto Oszczędnościowe w walutach
2
3
4
Cash withdrawal – on each withdrawal, at the moment of making a
withdrawal
2.a
the first withdrawal in an outlet (including the effected cash withdrawals)
Free of charge
Free of charge
in a calendar month
2.b
the second and subsequent withdrawals in an outlet (including the
PLN 7
PLN 10
effected cash withdrawals) in a calendar month
Account statement
4
4.1
available in KB24 service, IKD Channel
Free of charge
Free of charge
4.2
sent via ordinary mail, to the correspondence address
4.2a
once a month or rarer
Free of charge
PLN 5
4.2b
more frequently than once a month
PLN 5
PLN 5
4.3
collected in BZWBK outlet
once a month or rarer when the account Holder indicated BZWBK outlet as
4.3a
Free of charge
Free of charge
the place to collect the account statement
more often than once a month when the account Holder indicated BZWBK
4.3b
PLN 5
PLN 5
outlet as the place to collect the account statement
by account Holders who expressed their consent to providing account
4.3c
statements in KB24 service IKD Channel or requested sending account
PLN 5
PLN 5
statements to a correspondence address
5
PLN 10
PLN 10
Re. 1. For Savings Account in EUR, USD and GBP, the fee is collected as per the average exchange rate set forth in BZWBK Exchange Rates Table. When a transfer is effected via SORBNET, only a fee
for the SORBNT transfer is collected, also for the first transfer.
Re. 4.3 – the services are available solely in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A.
2
CHAPTER V CREDIT CARDS
1
1
Operations
Visa Silver, Visa Silver “Akcja
Pajacyk”, MasterCard Silver,
Visa Classic: 300 lat
Uniwersytetu Wrocławskiego,
Uniwersytetu Mikołaja
Kopernika, Uniwersytet
Jagielloński
MasterCard
PAYBACK
Visa Gold no.
BIN 479084,
MasterCard
Gold
World
MasterCard no.
BIN 519308
2
3
4
5
6
Card fee in year one
FEE WAIVER: Konto24 VIP holders are exempted from the fee for the main Gold card and additional cards added to the main card.
main card (depending on the level of
1.1
2.5%; max PLN 58
2.5%; max PLN 58
PLN 220
PLN 125
the sanctioned limit)
The fee is not collected provided that at least 3 transactions are settled (except for transfers from the
credit card) within 3 months from the card issue approval.
FEE WAIVER:
1.2
additional card
PLN 38
PLN 38
PLN 190
PLN 95
Credit card
123
PLN 10 per
2)
month
-
PLN 3 per month
2)
Visa Platinum,
Visa Platinum
Porsche
MasterCard<
30
7
8
PLN 500
PLN 25
The fee is not collected provided that
at least 3 transactions are settled
(except for transfers from the credit
card) within 3 months from the card
issue approval.
PLN 500
-
13
Operations
1
2
Jagielloński
MasterCard
PAYBACK
Visa Gold no.
BIN 479084,
MasterCard
Gold
World
MasterCard no.
BIN 519308
3
4
5
6
Credit card
123
The fee is not collected provided that at least 3 transactions are settled (except for transfers from the
credit card) within 3 months from the card issuance approval.
FEE WAIVER:
2
2.1
2.1a
2.1b
2.2
2.2a
2.2b
3
4
5
6
7
8
9
10
10a
10b
-
Visa Platinum,
Visa Platinum
Porsche
MasterCard<
30
7
8
The fee is not collected provided that
at least 3 transactions are settled
(except for transfers from the credit
card) within 3 months from the card
issuance approval.
Card fee in subsequent years
(collected on an annual or monthly basis)
FEE WAIVER: Konto24 VIP holders are exempted from the fee for the main Gold card and additional cards added to the main card.
annual fee
2.5%; max PLN 58
2.5%; max PLN 58
PLN 220
PLN 125
PLN 500
additional card
PLN 38
PLN 38
PLN 190
PLN 95
PLN 500
The main card or additional card fee is not collected on condition that transactions settled during the last 12-month cycles (except for transfers
FEE WAIVER: from credit card) totalled:
PLN 12k
PLN 12k
PLN 24k
PLN 24k
PLN 36k
monthly fee
0.2%; max PLN 5
0.2%; max. PLN 51)
PLN 20
PLN 10
PLN 40
1)
additional card
PLN 3
PLN 3
PLN 15
PLN 3
PLN 40
The main card or additional card fee is not collected on condition that transactions effected with a card during the last 1-month cycle (except for
1)
FEE WAIVER: transfers from credit card) totalled :
PLN 1k
PLN 1k
PLN 2k
PLN 3k
3.5%; min PLN
3.5%; min PLN
Cash withdrawal in Poland and abroad
3.5%; min PLN 10
3.5%; min PLN 10
3.5%; min PLN 10
3.5%; min PLN 10
10
10
Non-cash transaction
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Currency conversion of a foreign transaction
effected in a currency other than EUR (for
VISA cards only)
3%
3%
Free of charge
(the fee is added automatically to the
transaction amount)
Transfer from a credit card account effected
via BZWBK24 Internet (%of the transferred
3% min. PLN 5
3% min. PLN 5
3% min. PLN 5
13% min. PLN 5
3% min. PLN 5
3% min. PLN 5
funds)
Unauthorised debt (% of the amount above
10%; min PLN 40
10%; min PLN 40 10%; min PLN 40
10%; min PLN 40 10%; min PLN 40
10%; min PLN 40
the authorised limit)
Card replacement at the Customer request
PLN 12
PLN 12
PLN 12
PLN 12
PLN 12
PLN 12
applies to cards listed in table 1.
Lost card replacement with a new card3)
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
List of transactions
for the main card
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
for the additional card
PLN 2
PLN 2
PLN 2
PLN 2
PLN 2
Free of charge
PLN 25
-
3.5%; min PLN
10
Free of charge
-
3% min. PLN 5
10%; min PLN
40
PLN 12
Free of charge
Free of charge
PLN 2
14
1
Operations
Jagielloński
MasterCard
PAYBACK
Visa Gold no.
BIN 479084,
MasterCard
Gold
World
MasterCard no.
BIN 519308
2
3
4
5
6
Credit card
123
Visa Platinum,
Visa Platinum
Porsche
MasterCard<
30
7
11
12
13
14
Transaction history duplicate
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
Free of charge
Emergency cash withdrawal abroad
PLN 150
PLN 150
Free of charge
Free of charge
PLN 150
Free of charge
Replacement card issue abroad
PLN 200
PLN 200
Free of charge
Free of charge
PLN 200
Free of charge
Fee for Ratio service
1% min. PLN 5
1% min. PLN 5
1% min. PLN 5
1% min. PLN 5
1% min. PLN 5
1% min. PLN 5
Fee on non-cash transactions effected in
points marked as: Casinos, internet casinos,
15
3% min. PLN 7
3% min. PLN 7
3% min. PLN 7
3% min. PLN 7
3% min. PLN 7
3% min. PLN 7
games of chance, betting shops, lotteries and
lottery offices
1) The monthly fee does not apply to MasterCard PAYBACK cards, except for MasterCard PAYBACK cards issued to replace another card held previously to which a monthly fee applied
2) Monthly fee is accrued beginning from a month directly following the month during which the card was used. .
8
PLN 5
PLN 150
PLN 200
1% min. PLN 5
3% min. PLN 7
CHAPTER VI LOANS
MORTGAGE LOANS
1
1
1.1
1.1a
1.1b
1.2
1.3
2
2a
2b
3
4
5
6
6a
6b
6c
Operations
Rate
2
3
Loan sanction
home loan, equity release
PLN loan
EUR loan (applies to home loan)
home loan for the purchase of a real estate on the primary market from a developer or a housing co-operative funded by a
BZWBK commercial loan
Home loan, with subsidies from NFOŚiGW earmarked for partial repayment of the principal
Early repayment of total or part of the loan (on the prepaid amount)
The fee applies to: home loan, fixed interest rate home loan with subsidies, consolidation loan, investment loan, equity release and
Business Locum
with a fixed interest rate
with a variable interest rate
Change of the fixed interest rate into a variable interest rate (calculated on the outstanding loan amount) of home loan, fixed
interest rate home loan with subsidies, consolidation loan, investment loan, equity release and Business Locum
Issuing a sanction in principle for a home mortgage
If the customer obtained a loan and earlier s/he availed of a sanction in principle, then the fee for issuing the sanction in principle paid
by the customer is returned to his/her personal account with BZ WBK
Loan currency conversion (on the amount to be converted)
The fee is not collected if an f/x home loan, consolidation loan, investment loan, equity release or Business Locum is converted into
PLN.
Change of the remaining terms and conditions of the agreement at the borrower’s request in the form of:
annex describing detailed rules of setting methods and dates of calculating the fx rates as well as making principal&interest
repayments and full or partial loan prepayments in the loan currency.
annex increasing the mortgage amount when this mortgage backs the Bank’s new receivables.
annex to the agreement or to the arrangement agreement – other cases not listed in 6a and 6b
max. 2.5%
max. 2.5 %
3.5%
max. 2.5%
3% or the rate specified in the agreement
Free of charge or the rate specified in the agreement
3% or the rate specified in the agreement
PLN 200
1%
Free of charge
Free of charge
PLN 200
15
1
Operations
Rate
2
3
an arrangement setting new conditions for the repayment of receivables subject to the debt collection proceedings (following
6d
the termination of a loan agreement)
7
for a B/E protest
8
Photo-inspection verifying the progress in construction works
9
Service consisting in the valuation of a property that will secure a mortgage loan/ equity release
PLN 100
min PLN 16.00 + the cost
PLN 150
PLN 200
OVERDRAFT LIMITS
TABLE 1
Applies to overdraft limits listed in part 1, chapter 1, appendix 3 and part 2, chapter 1, table 1.
Operations
1
24 VIP Overdraft
2
Loan sanction
Overdraft limit increase (% of the increase)
Limit renewal (on the renewed amount)
Change of the remaining terms and conditions of the agreement at the borrower’s request in the form
4
of:
4a
annex to the agreement
an arrangement setting new conditions for the repayment of receivables subject to the debt
4b
collection proceedings (following the termination of a loan agreement)
5
for a B/E protest
1) Loan for the purchase of securities on the regulated market
2) For each commenced month until the end of the contractual lending term
1
2
3
Other overdraft limits
Broker loan
1)
3
4
5
0.5%; min PLN 50
0.5%; min PLN 50
1%; min PLN 50
1%; min PLN 50
1%; min PLN 50
1%; min PLN 50
1%; min PLN 50
0,10%2)
1%; min PLN 50
PLN 30
PLN 30
PLN 30
Free of charge
Free of charge
Free of charge
min PLN16.00 + the cost
TABLE 2
Applies to overdraft limits listed in part 2, chapter 1, tables 2 and 3.
Operations
1
2
1
2
Loan sanction
Overdraft limit increase (% of the increase)
3
Limit renewal (on the renewed amount):
3a
3b
agreements signed by 8.09.2013
agreements signed as of 9.09.2013
Change of the remaining terms and conditions of the agreement at the borrower’s
request in the form of annex to agreement
4
Ekstrakonto
overdraft: S, Student,
Profit, Elita
Ekstrakonto
overdraft: Rachunek
Podstawowy, Profil
Spokojny and Konto
Osobiste (Personal
Account)
Ekstrakonto
overdraft: Concerto,
VIP
Ekstrakonto Plus
overdraft
Ekstrakonto
overdraft:
Profiles: Aktywny,
Ambitny,
Zdobywcy
3
4
5
6
1%; min PLN 50
1%; min PLN 50
1%; min PLN 50
1%; min PLN 50
1%; min PLN 50
1%; min PLN 50
1%; min PLN 50
1%; min PLN 50
Free of charge
Free of charge
1.50%; min PLN 50
1%; min PLN 50
1.99%; min PLN 50
1%; min PLN 50
1%; min PLN 50
1%; min PLN 50
2.49%; min PLN 50
1%; min PLN 50
Free of charge
Free of charge
PLN 30
PLN 30
PLN 30
PLN 30
PLN 30
16
1
5.
Operations
Ekstrakonto
overdraft: S, Student,
Profit, Elita
Ekstrakonto
overdraft: Rachunek
Podstawowy, Profil
Spokojny and Konto
Osobiste (Personal
Account)
Ekstrakonto
overdraft: Concerto,
VIP
Ekstrakonto Plus
overdraft
2
3
4
5
6
1.99%; min PLN 50
1.99 % min. PLN 50
Ekstrakonto Concerto/
1% min. PLN 50
Ekstrakonto VIP
1.99%; min PLN 50
Ekstrakonto overdraft administration
(applies to agreements signed on terms and conditions applicable before 07.11.2005)
On the Ekstrakonto overdraft limit granted for a definite term above 12 months or for
an indefinite term Ekstrakonto overdraft administration fees are collected in advance,
1.50 % min. PLN 50
for each commenced year, beginning from year two of the overdraft utilisation When
Ekstrakonto S, Profit,
transforming Personal Accounts in the form of universal accounts into Ekstrakonto
Stuudent/ 1% min. PLN
and:
50 Ekstrakonto Elita
a) overdraft limit transfer
b) changing the authorised debit balance into an overdraft – in the same
amount,
no fee is collected.
Ekstrakonto
overdraft:
Profiles: Aktywny,
Ambitny,
Zdobywcy
Free of charge
OTHER LOANS
TABLE 1
Operations
1
1
2
2.1
2.1a
2.1b
2.1c
2.1d
2.2
3
3a
3b
Cash loan
Cash loan
secured with
liquid assets
Cash loan
for
Loan for the
repayment
purchase of
of debts
securities in the
towards BZ
primary market
WBK
or during the IPO
(restructurin
g)
Cash loan with an option to
allocate the funds to the
purchase of gas boiler or water
heater
fed with network gas fuel,
effected in liaison with
Polskie Górnictwo Naftowe i
Gazownictwo S.A.
2
3
4
5
7
8
Loan sanction
Early repayment of total or part of the loan (on the
prepaid amount)
with a fixed interest rate
loans sanctioned until 17.12. 2011 in the
amount lower or equal to PLN 80,000
loans sanctioned until 17.12. 2011 in the
amount above PLN 80,000
loans sanctioned from 18.12. 2011 in the
amount lower or equal to PLN 255,550
loans sanctioned from 18.12. 2011 in the
amount above PLN 255,550
with a variable interest rate
Change of the remaining terms and conditions of the
agreement at the borrower’s request in the form of:
an arrangement setting new conditions for the
repayment of receivables subject to the debt
collection proceedings (following the termination of
5%; min PLN 50
1%; min PLN 50
0.5%; min PLN 50
PLN 50
3%; min PLN 50
-
Free of charge
Free of charge
-
Free of charge
Free of charge
4%; min PLN 16
4%; min PLN 16
-
4%; min PLN
16
4%; min PLN 16
Free of charge
Free of charge
-
Free of charge
Free of charge
Free of charge
4%; min PLN 16
-
Free of charge
Free of charge
-
-
Free of charge
-
-
PLN 301)
PLN 30
PLN 30
PLN 30
PLN 30
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
17
Operations
1
2
Cash loan
secured with
liquid assets
Cash loan
3
4
a loan agreement)
for a B/E protest
4
min PLN16.00 +
min PLN16.00 +
the cost
the cost
1) The fee does not apply to annex to agreement re. cash loan conversion into a car loan.
Cash loan
for
Loan for the
repayment
purchase of
of debts
securities in the
towards BZ
primary market
WBK
or during the IPO
(restructurin
g)
Cash loan with an option to
allocate the funds to the
purchase of gas boiler or water
heater
fed with network gas fuel,
effected in liaison with
Polskie Górnictwo Naftowe i
Gazownictwo S.A.
5
7
8
min PLN16.00 + the
cost
min PLN16.00
+ the cost
CHAPTER VII FOREIGN CURRENCY TRANSACTIONS
TABLE 1
Applies to accounts listed in part 1, chapter 1 and chapter 4, table 1, in appendices 2 and 3 and in part 2, chapter 1, table 1.
1
1
1.1
1.2
1.3
2
2.1
2.1a
2.1b
2.2
3
3.1
3.1a
3.1b
3.1c
3.1d
3.1e
3.2
3.3
3.3a
3.3b
3.3c
3.3d
Operations
Rate
2
3
Incoming payment orders to a BZ WBK account
SEPA
payment order received as a result of pension benefits transferred from abroad
others
NOTE: In the case of incoming payment orders (when funds are lodged to BZWBK account), the fees listed in item 1) are not applied to transactions where
BZWBK costs are covered by the ordering party
Outgoing payment orders
effected via e-banking services:
SEPA
others
effected in a BZ WBK Branch
Additional fees and charges to the outgoing payment orders
fee for sending a payment order (excl. SEPA payment order) sent as:
urgent - transaction made at BZ WBK branch or via BZWBK24 e-banking service (in EUR, USD, GBP and PLN) excl. payments in EUR
as per the Payment Services Act for which only the fees referred to in point 2 apply
express - transaction made via BZWBK24 e-banking service (in EUR, USD, GBP and PLN, excluding Target withdrawal instruction).
express - transaction made at BZ WBK branch (in EUR, USD, GBP and PLN, excluding Target payment order)
express – for Target payment order: effected via BZWBK24 e-banking services
express – for Target payment order: effected in BZWBK Branch
sending a payment order to another bank to the beneficiary’s account in the format other than IBAN (for each message)
flat fee when the costs of intermediating banks and the recipient bank are borne by the ordering party, for f/x payment orders
NOTE: When the costs of participating banks are three-fold higher than the flat fee, BZWBK may additionally charge the customer with an amount
representing the difference between the flat fee and the actual costs. The above rule does not apply to payments regulated by the Payment Services Act
EUR – payment orders equal to or lower than EUR 1000
EUR – payment orders higher than EUR 1000
USD
GBP
PLN 5
PLN 35
PLN 10
PLN 5
0.2%; min PLN 9.5, max. PLN 180
0.25%; min PLN 9.5, max. PLN 180
0.1%; min PLN 4.75, max. PLN 90
0.2%; min PLN 9.5, max. PLN 180
0.3% min PLN 20 max. PLN 180
0.2%; min PLN 9.5, max. PLN 180
0.3% min PLN 20 max. PLN 180 +
PLN 20
PLN 20
EUR 5
EUR 25
USD 30
GBP 12
18
Operations
1
2
3.3e
AUD
3.3f
CAD
3.3g
CHF
3.3h
DKK
3.3i
NOK
3.3j
SEK
3.3k
CZK
3.3l
JPY
3.3ł
PLN
3.3m
Other currencies
4
Issuing a payment order copy (per copy of the message)
Non-standard activities referring to payment orders and in particular order of: confirmation of the recipient account’s crediting with a payment order
5
sent from BZWBK, changes in the details of a payment order outgoing from BZWBK, cancellation of the outgoing payment order sent from BZWBK The fee
is collected for each of the above actions
6
Cancellation of the outgoing payment order not sent from BZWBK
7
Return of a payment order sent from BZWBK, such return made by a third party bank
8
Cheque encashment
Note: 1. cheques are encashed only if the cheque drawer has an account with BZ WBK
2. In the case of checks payable at the same bank and in the same currency, collected from one presenter on one list the fee is collected on the
total value of the cheques, in accordance with relevant brackets.
8.1
cheque collection
8.2
settlement with recourse
8.3
abbreviated settlement with recourse
3
AUD 25
CAD 20
CHF 25
DKK 70
NOK 130
SEK 100
CZK 270
JPY 3,500.00
PLN 50
PLN 75
PLN 15
PLN 50.00 + the cost of third party
banks
PLN 25
PLN 50.00 + the cost of third party
banks
0.15%; min PLN 150; max. PLN 500
+ costs accrued by the issuing bank
and by the intermediating banks
PLN 40 + costs accrued by the
issuing bank and by the
intermediating banks
Drawee’s failure to pay the check
9
Rate
Re. 3.1e The service is not available in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A.
TABLE 2
Applies to accounts listed in part 1, chapter 4, table 2 and in part 2, chapter 1, tables 2 and 3, chapter 4.
1
1
1.1
1.2
1.3
1.4
2
2.1
Operations
Rate
2
3
Incoming international transfers (in the form of MT 103 message)
STP (SEPA)
pension and disability benefits transferred from abroad
STP - plus
NON-STP
NOTE: In the case of incoming payment orders (when funds are lodged to BZWBK account), the fees listed in item 1) are not applied to transactions where
BZWBK costs are covered by the ordering party
Outgoing international transfers (in the form of MT 103 message)
effected via e-banking services:
PLN 10
PLN 35
PLN 20
PLN 20
19
Operations
1
2.1a
STP (SEPA)
2.1b
STP-plus
2.1c
NON-STP
2.2
effected in a BZ WBK Branch
2.3 Express mode (applies to all channels – express transfer always processed under NON-STP mode)
Additional fees and charges to the outgoing payment orders
3
Outgoing international transfer with OUR cost clause
3.3a
for transfers in the amount representing the equivalent of EUR 1000 or less
3.3b
for transfers in the amount representing the equivalent of EUR 1000 or more
Producing/ dispatching a copy/ excerpt from a document concerning a transaction (including SWIFT confirmation) at the request of a Customer or an
4
authorised Payer. Fee on each page of a printout or each document, at the document issuing moment.
5
International transfer in accordance with the Payer’s instructions
The Payer’s cancellation (annulment) of an international outgoing transfer effected by the Bank – the cost of third party banks are always borne by the
Payer.
Amendment or supplementation of an international outgoing transfer effected by the Bank – the cost of third party banks are always borne by the Payer.
6
At the Customer’s request:
- searching for inflow
- tracking a payment transaction effected more than 13 months ago
- recovery of funds in the case when the Payer provides incorrect IBAN of the Recipient
7
Return of an international outgoing transfer effected by the Bank
8
Fee for costs requested by an international bank due to non-fulfilment of STP requirements
9
Cheque encashment
Note: 1. cheques are encashed only if the cheque drawer has an account with BZ WBK
2. In the case of checks payable at the same bank and in the same currency, collected from one presenter on one list the fee is collected on the
total value of the cheques, in accordance with relevant brackets.
9.1
cheque collection
9.2
settlement with recourse
9.3
abbreviated settlement with recourse
3
PLN 10
PLN 25
0.25%; min PLN 40, max. PLN 250
PLN 40
PLN 90
PLN 10
PLN 100
PLN 100 + the cost of third party
banks
PLN 50 + (regardless of the collected
third party banks)
Equivalent of costs requested by a
foreign bank
0.15%; min PLN 150; max. PLN 500
+ costs accrued by the issuing bank
and by the intermediating bank
Drawee’s failure to pay the check
10
Rate
2
CHAPTER VIII OTHER SERVICES
OPERATIONS RELATED TO MANAGEMENT OF BANK ACCOUNTS
1
Operations
Rate
2
3
Cash lodgement:
1
1a
to a bank account of a business entity held with BZ WBK
0.5%; min PLN 6
20
1b
1c
to an account in another bank
in Partner Outlets, lodgements up to PLN 1000 (inclusive) to a bank account (in PLN) of a business entity
held with BZ WBK or to an account in another bank
1d
in Partner Outlets, lodgements exceeding PLN 1000 to a bank account (in PLN) of a business entity held with
BZ WBK or to an account in another bank
Lodgement in coins of convertible currencies (additional fee) The fee does not apply to repayments of loan instalments denominated in CHF,
2
EUR and USD, in the loan currency and lodgements related to fees & charges payable to the Bank and set in foreign currencies.
3
Lodgement accepted in a Partner Outlet in PLN and then transferred in EUR
4.1
Stopping in the Stopped Documents System (DZ System) of: cheques, cheque forms, ID documents, receipts/bills and other (irrespective of the
number of stopped documents).
4.2
Reversal of stopping in the Stopped Documents System (DZ System) of: cheques, cheque forms, ID documents, receipts/bills and other
(irrespective of the number of stopped documents).
5
Non-standard activities related to transferring funds to BZWBK account or account with a different bank in the form of cash lodgement, transfer,
standing orders - instruction: to cancel transaction, to look for funds not received by the receiver, to return funds, asking for the date of funds’
posting in the bank of the receiver.
6
Transfer of funds to an account indicated by execution authority as a result of execution proceedings
1%; min PLN 7
Set by the Partner Outlet, ranging from PLN 0 to
PLN 6
Set by the Partner Outlet, ranging from 0.2% to
0.5%
60%
PLN 10
PLN 20
PLN 20
PLN 25
in accordance with the fee collected for a transfer
from an account with BZWBK Outlet/ Branch to
BZWBK account or to an account with another
bank, in ELIXIR system
OPERATIONS RELATED TO ISSUANCE OF CONFIRMATIONS AND CERTIFICATES
1
1
Operations
Rate
2
3
Confirmation of single transaction
1a
confirmation ordered in a BZ WBK outlet with regard to a transaction effected with a payment card/ another
electronic payment instrument or a transaction effected via BZWBK24 e-banking services, other than
confirmation of transfers to ZUS/ tax authorities’ accounts
1b
confirmation ordered in a BZ WBK outlet and referring to a transaction effected in BZWBK Branch, when the
confirmation is collected immediately thereafter.
1c
other confirmations ordered via BZWBK24 e-banking services
1d
other confirmations ordered in a BZ WBK outlet
2
Producing different types of statements, excerpts, copies and other documents at the Customer’s request
PLN 1
Free of charge
PLN 5
PLN 5
PLN 25
COLLECTION AND RECOVERY OPERATIONS
1
1
Operations
Rate
2
3
Reminders
1.1
sending a reminder re. overdue payment, non-authorised debt, submission of required documents, lack of declared inflows to
PLN 25
personal accounts with overdraft limits and non-compliance with obligations arising from a loan agreement
1.2
phone reminder
PLN 9
1.3
sending reminder in relation to delivery of security documents
1.3a
sending the first reminder
Free of charge
1.3b
sending a subsequent reminder
PLN 25
2
Call for payment in the debt collection process
PLN 25
3
Fee for in-field recovery actions
PLN 50
4
Case transfer to an external debt collection company
PLN 50
5
Sending a reminder regarding liabilities arising from an agreement on hiring a safe box, declaration of storing a tangible deposit .
PLN 25
Re. 1.1, 1.2, 2, 3, 4. The fee for debt collection actions taken in relation to an agreement cannot exceed PLN 100 as per monthly settlement cycles stipulated by the agreement. The maximum number of
21
debt collection actions whose cost is each time charged to the Borrower, cannot exceed: 4 phone reminders, 2 letter reminders, 1 visit of in-field collection officer, one case transfer to an external debt
collection office or law firm. Fees for individual actions indicated in the Schedule will be accrued in cycles not shorter than 3-day ones, after ineffective application of a previous action, except for situations
when the Bank collects no fee for an action.
Re. 1.1 for sending a reminder re. delivery of required documents, 1.3 does not apply to mortgage loans granted pursuant to applications submitted by 31.03.2013 and loans other than mortgage ones,
sanctioned pursuant to applications submitted by 6.09.2013 in the all the Bank outlets or central units which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A.
ACTIVITIES RELATED TO DEPOSIT ACCOUNTS OPERATED CENTRALLY BY THE BANK
Operations
1
Rate
2
3
Securities account (account opening/ maintenance, transaction on the secondary market, print out and dispatch of information on
the securities portfolio balance /an account statement, blockade of the securities in the account, transfer of securities among
portfolios)
1
Free of charge
OTHER SERVICES
1
1
Rate
2
3
Lease of a safe box, safekeeping a tangible deposit
1a
1b
2
Operations
monthly – fee collected in advance
annually – fee collected in advance
Purchase / sale of convertible currencies
In case of a simultaneous purchase of one convertible currency and sale of another convertible currency, the fee is collected once only – for
the currency purchase, on the purchase value expressed in PLN.
3
Exchange of banknotes/coins for banknotes/coins with other denominations (refers to PLN only)
3a
up to 5 items
3b
from 6 up to 50 items
3c
above 50 items
4
Recording or changing an instruction in the case of death
5
Blockade of funds in a bank account
5a
in relation to security for agreements between an account Holder and BZ WBK
5b
others
6
Assignment of funds (for each operation)
7
Reversal of a consent granted to Receiver to initiate repeatable, payment card, non-cash transactions
8
Other services not specified in the Schedule of Fees and Charges
Re. 7. The service is not available in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A.
PLN 50
PLN 400
0,3%
Free of charge
0.2%; min PLN 5
0,5%; min PLN 10
PLN 7
Free of charge
PLN 20
PLN 20
PLN 35
as per agreement concluded with a customer
22
APPENDIX NO. 1 INSURANCE
Detailed information concerning insurance protection is presented in insurance terms & conditions relevant for a given policy.
1
1
2
2a
2b
2c
3
3.1
3.1a
3.1b
3.2
3.2a
3.2b
3.3
3.3a
3.3b
4
5
5.1
a
b
c
d
5.2
a
b
c
d
5.3
a
b
c
d
5.4
a
b
c
Operations
Rate
2
3
Insurance for the holders of bank accounts in PLN listed in part 1, chapter 1, appendix 3 and in part 2, chapter 1, table 1
”Na obcasach/ High Heeled” Insurance Package - monthly insurance fee
NOTE: “Na Obcasach” Account Holder covered with insurance for the first time will not be charged with the insurance fee for the first 6 months
from the date of the insurance cover coming into force
”Ochrona Płatności/ Payment Protection” Insurance Package - monthly insurance fee
Standard Option
Premium Option
Prestige Option
„Dla Bliskich” Insurance Package - monthly insurance fee1)
Product sale outside BZWBK Branches – direct channels (phone).
Basic scope:
PACKAGE 1 Option I
PACKAGE 1 Option II
PLN 5
PLN 12
PLN 20
PLN 27
PLN 18
PLN 36
PACKAGE 2 Option I
PACKAGE 2 Option II
PLN 33
PLN 66
PACKAGE 1 Option II
PACKAGE 2 Option II
PLN 36
Extended scope:
Medical Assistance for Aktywni 50+ Account
Insurance for the holders of bank accounts in PLN and in other currencies listed in part 1, chapter 1, appendix 3 and in part 2,
chapter 1.
Opiekun Rodziny [Family Guard] insurance - insurance fee collected in accordance with the below specification:
NOTE: Fee accrued as the product of the sums insured for the risk of the Insured’s death and the below-quoted rate. The fee amount depends
on the customer’s age on the day of insurance accession and on the frequency of fee collection.
For customers who turned 18 and on the day of acceding the insurance were below 26 years of age.
Monthly fee
Quarterly fee
Semi-annual fee
Annual fee
Monthly fee
Quarterly fee
Semi-annual fee
Annual fee
Monthly fee
Quarterly fee
Semi-annual fee
Annual fee
Monthly fee
Quarterly fee
Semi-annual fee
PLN 66
Free of charge
0.068%
0.204%
0.408%
0.680%
0.077%
0.231%
0.462%
0.765%
0.088%
0.264%
0.528%
0.875%
0.105%
0.315%
0.630%
23
d
Annual fee
5.5 For customers who turned 41 and on the day of acceding the insurance were below 46 years of age.
a
Monthly fee
b
Quarterly fee
c
Semi-annual fee
d
Annual fee
a
Monthly fee
b
Quarterly fee
c
Semi-annual fee
d
Annual fee
a
Monthly fee
b
Quarterly fee
c
Semi-annual fee
d
Annual fee
Insurance for holders of debit cards listed in part 1, chapter 2, table 1 in appendix 3 and in part 2, chapter 2, table 1.
”Pewne Pieniądze/ Safe Money” Insurance Package - monthly insurance fee
6
6.1
for Visa Electron VIP
6.2
for other debit cards
6.2a
when entering into agreement on a new card, for the
first two months of insurance protection
6.2b
in other cases
Insurance for holders of credit cards listed in part 1, chapter 5 and in part 2, chapter 3, table 1.
7
“Bezpieczne Pieniądze/ Safe Money” Insurance (not applicable to Platinum cards)
"Safe Money Komfort" insurance – monthly fee
8
8a
Silver, Visa Classic Electronic, MasterCard PayPass and co-branded cards
8b
Gold, World MasterCard
”Twoje Bezpieczeństwo/ Your Safety” Package – monthly fee
9
9a
for Holders who applied for a loan in a Credit Card, took out insurance and
received a new Credit Card for a calendar month in which the insurance cover
starts and two subsequent calendar months, while in the case of other Holders –
for a calendar month in which the insurance cover starts
9b
in other cases
”Assistance Gold” Package for Gold cards
10
”Travel Gold” Package for Gold cards
11
12
“Mastercard Travel Assistance” for World MasterCard
13
World Travel Insurance for World MasterCard cards
“Bezpieczne Pieniądze Platinum/ Safe Money Platinum” Insurance for Platinum cards
14
“Assistance Platinum” Insurance for Platinum cards
15
“Platinum Travel” Insurance for Platinum cards
16
Insurance for mortgage loans listed in part 1, chapter 6
Home/ flat insurance for BZ WBK customers - LOCUM
17
NOTE: Insurance available to all customers remaining in permanent legal relationship with BZWBK in terms of provided banking transactions.
Property insurance or Property in construction insurance – annual fee calculated on the value of the Property or the property in
17.1
Construction
17.1a
property insurance
17.1b
property under construction insurance
Movable assets insurance, Civil Liability insurance and Home Assistance insurance (available in 3 options depending on the
17.2
sums insured)
1.050%
0.130%
0.390%
0.780%
1.300%
0.190%
0.570%
1.140%
1.900%
0.290%
0.870%
1.740%
2.900%
Free of charge
Free of charge
PLN 3
Free of charge
PLN 3.75
PLN 5.6
Free of charge
0,49%
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
0,08%
0,2%
24
17.2a
Option 1
PLN 120
17.2b
Option 2
PLN 250
17.2c
Option 3
PLN 380
18
Hipoteka + (Mortgage +) Insurance - monthly insurance fee
Życie 18+ (Life 18+) package (offered to customers who turned 18 and are under 48 years of age on the day 0.04% of fee basis (death – 0.038% + permanent
18a
when the insurance is taken out)
disability – 0.002%)
Życie 48+ (Life 48+) package (offered to customers who turned 48 and are under 64 years of age on the day 0.17% of fee basis (death – 0.158% + permanent
18b
when the insurance is taken out)
18c
4.2% of fee basis (job loss – 3.287% + temporary
Praca (Job) package
Insurance for cash loans listed in part 1, chapter 6 “Other Loans” applies to loan applications submitted by 02.05.2014
Insurance for the cash loan borrower – one-off fee accrued on the loan value
19
19a
over the lending period of up to 12 months
7,0%
19b
over the lending period ranging from 13 to 18 months
9,3%
19c
11,6%
19d
13,5%
19e
15,9%
19f
17,7%
19g
21,9%
Insurance for holders of debit and charge cards listed in part 1, chapter 2, table 2 and in part 2, chapter 2, tables 2, 3 and 5.
22 Insurance within the additional services package - monthly insurance fee
22a
for Visa Electron Student, Visa Electron Junior debit card
PLN 2
22b
for Visa Euro debit card
EUR 1
22c
for other debit cards
PLN 3
22d
for MasterCard Charge and Visa Platinum Charge cards
Free of charge
22e
for debit cards issued within Profiles
Free of charge
Insurance for holders of credit cards listed in part 2, chapter 3, table 2
23 Insurance package for World MasterCard (Personal Accident, Home Assistance, Liability abroad, cancellation of a tourist trip, Concierge
Free of charge
services)
24 ”Extended guarantee” for cards: Visa Gold, Visa Gold Warta, World MasterCard, MasterCard Platinum
Free of charge
25 ”Podróżne Gold” insurance for Visa Gold, Visa Gold Warta cards
Free of charge
26 “Platinum Travel” Insurance for Platinum cards
Free of charge
25
APPENDIX NO. 2 PRIVATE BANKING AND WEALTH MANAGEMENT PRODUCTS AND SERVICES
Refers only to customers who have concluded with BZWBK an Agreement on Wealth Management services or Private Banking account agreement and agreement
on e-banking services for personal customers.
BANK ACCOUNTS
Operations
1
2
Account opening
Account management
Transfer
1
2
3
3a
3b
3c
to an account with BZWBK
to an account in another bank, via ELIXIR system
to an account in another bank, via SORBNET system
Wealth
Management
account
Konto Private
Banking (opened by
31.10.2011)
3
4
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
PLN 35
Free of charge
Free of charge
PLN 35
Account statement – hard copy (per each statement)
4
4a
4b
4c
Free of charge
Free of charge
collected in BZWBK Branch
Free of charge
Free of charge
sent by regular mail more frequently than once a month or after each change in
Free of charge
Free of charge
the balance
Customers who have concluded a Wealth Management Agreement with the Bank are exempted from fees for transfers via the ELIXIR system from accounts referred to in part 1, chapter 1 and in part 2,
chapter 1, table 1.
26
PART 2. SERVICES WITHDRAWN FROM THE OFFERING
CHAPTER I BANK ACCOUNTS AND PACKAGES NOT COVERED BY THE OFFERING
TABLE 1
1
1
1.1
1.2
1.2a
1.2b
2
3
3a
3b
3c
3d
3e
3f
4
5
5.1
5.2
5.2a
5.2b
Operations
Konto<30
Konto 24.pl
2
3
4
Free of charge
Free of charge
monthly inflow equal to or higher than
PLN 1000
age of the holder: up to 26 years
old
age of the holder (in the case of a
joint account at least one of the coholders) reached 26 years of age
in the month to which the fee
refers
transfer effected via BZWBK24
e-banking services in ELIXIR
system
transfer effected via BZWBK24
e-banking services in Express
ELIXIR system
transfer effected in a BZ WBK
Outlet n ELIXIR system
standing order
direct debit
Transfer24
Account statement
eWyciąg (eStatement) sent to the
inbox of a customer availing of
BZWBK24 Internet service
sent via ordinary mail once a
month or rarer
customers without BZWBK24
Internet
customers with BZWBK24
Internet
Konto Wydajesz &
Zarabiasz, Konto na
Obcasach
Free of charge
Konto
Wydajesz &
Zarabiasz Plus
Konto24 Plus
(opened by
31.12.2004)
Konto24 Prestiż
(opened from
1.01.2005 to
31.03.2011)
9
6
7
PLN 8
PLN 50.00, with
a negotiation
option
PLN 11
PLN 15
Konto24,
Konto24 Plus,
Konto a vista
Konto24 VIP
5
Free of charge
Free of charge
PLN 7
PLN 7
PLN 20
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
PLN 0.5
PLN 0.5
PLN 0.5
PLN 0.5
Free of charge
PLN 0.5
Free of charge
PLN 3
PLN 3
PLN 3
PLN 3
PLN 3
Free of charge
PLN 3
PLN 3
PLN 7
PLN 7
PLN 7
PLN 7
PLN 7
PLN 7
Free of charge
PLN 7
PLN 7
PLN 35
Free of charge
PLN 0.5
Free of charge
PLN 35
PLN 0.5
PLN 0.5
PLN 0.5
PLN 35
PLN 0.5
PLN 0.5
PLN 0.5
PLN 35
PLN 0.5
PLN 0.5
PLN 0.5
PLN 35
PLN 0.5
PLN 0.5
PLN 0.5
PLN 35
Free of charge
Free of charge
Free of charge
PLN 35
PLN 0.5
PLN 0.5
PLN 0.5
PLN 35
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
27
1
Konto24,
Konto24 Plus,
Konto a vista
Konto24 VIP
Konto24 Plus
(opened by
31.12.2004)
Konto24 Prestiż
(opened from
1.01.2005 to
31.03.2011)
5
9
6
7
PLN 5
PLN 5
Free of charge
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
Free of charge
PLN 5
PLN 5
PLN 10
PLN 10
PLN 10
PLN 10
PLN 10
PLN 10
PLN 10
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
PLN 10
PLN 10
PLN 10
PLN 10
PLN 10
PLN 10
PLN 10
PLN 10
Konto Wydajesz &
Zarabiasz, Konto na
Obcasach
Operations
Konto<30
Konto 24.pl
2
3
4
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
PLN 10
sent by regular mail more
frequently than once a month or
after each change in the balance
5.4
Producing a history of account turnover (for
6
each commenced month)
6.1
customers without BWBK24, when the
6.2
account history concerns the previous
calendar month
customers without BWBK24, when the
6.3
account history concerns a month other
than the previous calendar month
Konto
Wydajesz &
Zarabiasz Plus
5.3
TABLE 2
1
1
Operations
Ekstrakonto Profil
Spokojny
Ekstrakonto Profil Aktywny
Ekstrakonto Profil Ambitny
2
3
4
5
6
PLN 30
PLN 60/ free of charge
The fee will not be collected if the
average daily balance of funds gathered
by the customer in the form of deposit
and/ or investment products, totals not
less than PLN 300 000 (in words: three
hundred thousand Polish zloty) or its FX
equivalent, computed on a 6–month basis
Monthly fee for package
PLN 12
PLN 20
Ekstrakonto Profil Zdobywcy
28
Operations
Ekstrakonto Profil
Spokojny
Ekstrakonto Profil Aktywny
Ekstrakonto Profil Ambitny
2
3
4
5
1
Ekstrakonto Profil Zdobywcy
6




1.2
In package


2
Explanations
Ekstrakonto Rachunek Podstawowy

Ekstrakonto Rachunek
(basic account)

Podstawowy (basic account)
Podstawowy (basic account)

Access to KB24

Access to KB24

Access to KB24

2 payment cards for Kontakt account
Podstawowy (basic

2 payment cards for Kontakt
with additional services package
account)

Payment card for Kontakt
account with additional
account with additional

All external and internal transfers in
Access to KB24
services package
services package
the branch, TeleKB (Consultant),
Payment card for

All external transfers via KB24
KB24 (IKD Channel), in SORBNET

All external transfers via
Kontakt account with
(IKD channel)
KB24 (IKD channel)

Standing order
additional services

Standing order
package

Standing order

All withdrawals made with payment

All withdrawals made with
cards issued for Kontakt account,
3 external transfers via

All withdrawals made with
payment cards issued for
effected in domestic and foreign
KB24 (IKD channel)
payment cards issued for
Kontakt account, effected in
ATMs
Kontakt account, effected in
All withdrawals made
domestic ATMs
domestic ATMs

World MasterCard with BIN no.
with payment cards

World MasterCard with BIN
536360 or MasterCard Platinum
issued for Kontakt

World MasterCard with BIN
no. 536360 or Visa Gold
account, effected in the
no. 536360 or Visa Classic

Ekstrakonto overdraft:
(including that with BIN no.
Bank ATMs
with BIN no. 448351

Assistance insurance
402358)


Personal Accident insurance (PLN

20,000)
1. The limits for lodgements, withdrawals and transfers are set for a calendar month and they include transactions effected from the 1st to the
last day of a calendar month in the Main Account representing part of the package. Transactions not effected within the agreed limits are
not transferred onto the next month
2. Ekstrakonto Rachunek Podstawowy (main account) – account maintenance.
3. External transfer: to an account with another domestic bank in PLN (does not apply to transfers in SORBNET).
4. ATMS of: BZWBK24 and exKB.
5. Domestic ATM: any ATM located in Poland.
6. Payment card for Kontakt account: applies to Visa Kontakt, Visa Electron Kontakt, Maestro Kontakt (monthly card fee).
7. Credit card: applies to 1 main card and 1 additional card (issuance and management of card)
8. Ekstrakonto overdraft: fee for overdraft sanction, renewal, administration and limit increase
9. Assistance/ Personal Accident/ additional services package for debit cards: on condition of accepting the insurance protection
10. For products and services not included in a package or for exceeding the transactional limits, the Bank collects fees & charges as for
Ekstrakonto Rachunek Podstawowy (in terms of transactions concerning the account and listed in Table 3). For other products and
services, the Bank collects fees & charges in accordance with this Schedule.
TABLE 3
29
Operations
1
2
2a
standing order
2b
other transactions
3
1
2
3a
transfer effected via KB24 e-banking services(IKD
channel) in ELIXIR system
3b
transfer effected via Konsultant TeleKB channel in
ELIXIR system
3c
3d
3e
3f
4
4.1
4.2
4.2a
4.2b
4.3
4.3a
4.3b
4.3c
transfer effected in a BZ WBK Outlet in ELIXIR
system
standing order
direct debit
Account statement
sent via ordinary mail, to the correspondence
address
once a month or rarer when the account Holder
indicated BZWBK outlet as the place to collect
the account statement
more often than once a month when the account
Holder indicated BZWBK outlet as the place to
collect the account statement
by account Holders who expressed their consent
to providing account statements in KB24 service
IKD Channel or requested sending account
statements to a correspondence address
Ekstrakonto
Junior / Konto
dla Młodzieży
Ekstrakonto
Student
Ekstrakonto S
Ekstrakonto
Profit
Ekstrakonto
VIP /
Ekstrakonto
Elita
Konto
Osobiste /
Konto dla
osób
pobierających
naukę
[personal
account for
pupils/
students] /
Rachunek
a’vista in PLN
Rachunek
a’vista in f/x
3
4
5
6
7
8
9
PLN 1
PLN 2
PLN 7.99
PLN 9.99
PLN 15.99
PLN 9.99
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
PLN 0.95
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
PLN 0.95
Free of charge
Free of charge
Free of charge
PLN 0.40
PLN 0.99
PLN 0.50
Free of charge
-
-
PLN 2.49
PLN 2.49
PLN 2.49
Free of charge
-
-
Ekstrakonto
Junior: PLN 0.40
Konto dla
młodzieży: Ekstrakonto
Junior: PLN 2.49
Konto dla
młodzieży: PLN 7
PLN 7
PLN 7
PLN 7
PLN 7
PLN 7
PLN 7
PLN 35
Free of charge
Free of charge
PLN 35
Free of charge
Free of charge
PLN 35
PLN 0.95
Free of charge
PLN 35
Free of charge
Free of charge
PLN 35
Free of charge
Free of charge
PLN 35
PLN 0.95
Free of charge
-
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
PLN 5
Free of charge
PLN 5
Free of charge
PLN 5
Free of charge
PLN 5
Free of charge
PLN 5
Free of charge
PLN 5
Free of charge
PLN 5
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
30
1
Operations
Ekstrakonto
Junior / Konto
dla Młodzieży
Ekstrakonto
Student
Ekstrakonto S
Ekstrakonto
Profit
Ekstrakonto
VIP /
Ekstrakonto
Elita
Konto
Osobiste /
Konto dla
osób
pobierających
naukę
[personal
account for
pupils/
students] /
Rachunek
a’vista in PLN
2
3
4
5
6
7
8
9
PLN 10
PLN 10
5
PLN 10
PLN 10
PLN 10
PLN 10
PLN 10
commenced month)
Re. 4.3 – the service is available solely in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A.
Rachunek
a’vista in f/x
TABLE 3 – continued
Operations
1
2
1
2
2.a
2.b
3
3a
3b
3c
3d
3e
3f
4
4.1
4.2
4.2a
standing order
other transactions
transfer effected via KB24 e-banking
services(IKD channel) in ELIXIR system
transfer effected via Konsultant TeleKB
channel in ELIXIR system
transfer effected in a BZ WBK Outlet in ELIXIR
system
standing order
direct debit
Account statement
sent via ordinary mail, to the correspondence
address
Ekstrakonto Plus
Ekstrakonto Concerto
Podstawowy (basic
account)
10
11
12
The fee will not be collected if during the
previous calendar month, the one-off
inflow of salary to the account totalled at
least PLN 1000 (excluding cash
lodgements and inflows from other
personal accounts)
The fee will not be collected if during the previous
calendar month, the inflows to the Ekstrakonto Concerto
account totalled at least PLN 7000 (excluding cash
lodgements and inflows from other personal accounts )
and/ or the value of average monthly assets gathered by
the Customer in deposit and/ or investment products
totalled at least PLN 200 000.
PLN 7
PLN 0.5
Free of charge
Free of charge
Free of charge
PLN 1.25
Free of charge
Free of charge
Free of charge
PLN 1
PLN 2.49
Free of charge
PLN 2.49
PLN 7
Free of charge
PLN 7
PLN 35
PLN 0.50
Free of charge
PLN 35
Free of charge
Free of charge
PLN 35
PLN 1.25
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
31
1
Operations
Ekstrakonto Plus
Ekstrakonto Concerto
2
10
11
Podstawowy (basic
account)
12
4.2b
4.3
PLN 5
PLN 5
collected in BZWBK outlet
once a month or rarer when the account
4.3a
Holder indicated BZWBK outlet as the
Free of charge
Free of charge
place to collect the account statement
more often than once a month when the
4.3b
account Holder indicated BZWBK outlet as
PLN 5
PLN 5
the place to collect the account statement
by account Holders who expressed their
consent to providing account statements in
4.3c
KB24 service IKD Channel or requested
PLN 5
PLN 5
sending account statements at a
correspondence address
5
PLN 10
PLN 10
commenced month)
Re. 4.3 – the service is available solely in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A.
PLN 5
Free of charge
PLN 5
PLN 5
PLN 10
TABLE 4
Operations
1
1
2
Repayment account
2
3
Transfer/ cash withdrawal
the first transaction (transfer or cash withdrawal in outlet)
2.1
in a calendar month
the 2nd and further transactions (transfer or cash
2.2
withdrawal in outlet) in a calendar month
Free of charge
Free of charge
PLN 10
CHAPTER II PAYMENT CARDS FOR ACCOUNTS AND CHARGE CARDS NOT INCLUDED IN OFFERING
TABLE 1
Applies to cards issued for accounts listed in Part 1, chapter 1 and in part 2, chapter 1, table 1.
1
1
Visa Classic
MoneyKarta Visa
GronoKarta Visa
Visa KKS Lech
AlleKarta Visa
Savings Maestro
4
5
6
7
-
-
PLN 5
PLN 0.95*
-
PLN 1
PLN 1
-
-
-
Operations
Visa Electron
Prestiż
Visa Electron,
Maestro
2
3
1a
*applies to Visa KKS Lech only
the Bank settled at least three non-cash transactions
1b
effected with the use of a card (except for Quasi Cash
transactions)
32
1
1c
2
3
3a
3b
3c
3d
3e
3f
4
5
6
7
Visa Classic
MoneyKarta Visa
GronoKarta Visa
Visa KKS Lech
AlleKarta Visa
Savings Maestro
4
5
6
7
PLN 5
PLN 5
-
-
-
-
-
-
PLN 35
-
Free of charge
Free of charge
Free of charge
PLN 5
Free of charge
-
Free of charge
PLN 1
PLN 5
3%; min PLN 10
Free of charge
-
3%; min PLN 5
PLN 1
3%; min PLN 5
3.5%; min PLN 10
Free of charge
3%; min PLN 5
Free of charge
PLN 1
PLN 5
3%; min PLN 10
Free of charge
-
PLN 20
PLN 20
PLN 20
3%; min PLN 20
Free of charge
-
2,8%
2,8%
3,0%
2,8%
-
PLN 2
PLN 2
PLN 2
PLN 2
PLN 2
PLN 9
PLN 9
PLN 9
PLN 9
PLN 9
PLN 9
PLN 9
PLN 9
PLN 9
PLN 9
Operations
Visa Electron
Prestiż
Visa Electron,
Maestro
2
3
the Bank did not settle at least three non-cash
transactions effected with the use of a card (except for
Quasi Cash transactions)
Two-year card fee
Cash withdrawal
in Millenium ATMs
in other ATMs in Poland
cash back
Currency conversion of a foreign transaction effected in a currency
other than EUR (for VISA cards only)
(the fee is added automatically to the transaction amount)
Checking the balance of available funds or generating a mini-statement
(a list of 10 recent transactions) in ATMs
Generating a new PIN number for an issued card – made at a holder’s
request submitted in a paper form to BZWBK Branch/ Outlet
Generating a list of transactions
TABLE 2
Operations
Visa Kontakt
2
3
1
1
1a
1b
1c
1d
1e
2
collected every month (in proviso of items 1b-1g)
issued for Ekstrakonto account Student, Junior
(PLN 0, on condition that during the last calendar month the Bank posted at least 3 non-cash
transaction to this account (except for Quasi Cash transactions)
issued for Ekstrakonto Plus account
(PLN 0, on condition that during the last calendar month the Bank settled and posted at least 5
non-cash transaction to this account (except for Quasi Cash transactions)
issued for Ekstrakonto account S, Profit, VIP, Elita and Konto Osobiste
(PLN 0, on condition that during the last calendar month the Bank settled and posted at least 3
non-cash transaction to this account (except for Quasi Cash transactions)
issued for Ekstrakonto Concerto
1f
issued for Ekstrakonto accounts: Profil Spokojny, Profil Aktywny
1g
issued for Ekstrakonto account Profil Ambitny, Profil Zdobywcy
Optional package of additional services
2a monthly, for each card (in proviso of items 2b-2c)
2b Ekstrakonto: Profil Spokojny, Profil Aktywny
PLN 2
PLN 9
PLN 5
PLN 4
Free of charge
1 card in the Profile free of charge, each next
PLN 2
2 cards in the Profile free of charge, each
next PLN 2
PLN 3
1 package in the Profile free of charge, each
33
Operations
1
Visa Kontakt
2
3
2c Ekstrakonto: Profil Ambitny, Profil Zdobywcy
3
4
4a
4b
4c
4d
4e
5
6
7
8
Card and PIN issue via a courier (for each dispatch)
Cash withdrawal:
in BZWBK24 ATMs
in other domestic ATMs and in branches of other banks (in proviso of item 4c)
for cards issued for Ekstrakonto accounts: Plus, Concerto, Profil Aktywny, Profil Ambitny, Profil
Zdobywcy
abroad (in proviso of item 4e)
Ekstrakonto: Concerto, Profil Zdobywcy
Currency conversion of transaction effected with a card in a currency other than PLN, the fee is
automatically added to the charge amount
Ekstrakonto account balance checking in ATM
Balance check in order to activate the card
Printout of Ekstrakonto account history in ATM
next PLN 3
2 packages in the Profile free of charge, each
next PLN 3
PLN 50
Free of charge
3%; min PLN 5
Free of charge
3%; min PLN 10
Free of charge
3,5 %
PLN 2
Free of charge
PLN 2
TABLE 3
1
Operations
MasterCard
Charge
Visa Platinum
Charge
2
3
4
PLN 75
PLN 75
PLN 50
3%; min PLN 5
1%
PLN 40
PLN 650
Free of charge
Free of charge
1%; min PLN 5
Free of charge
Free of charge
3,5 %
3,5 %
Issuing (or renewal ) and management of a card - annually
1a
main card
1b
additional card
2
3
Cash withdrawal
4
Non-cash transaction (payment)
5
Unauthorised card debt
Currency conversion of transaction effected with a card in a currency other than
6
PLN, the fee is automatically added to the charge amount
1
TABLE 4
1
1
1a
1b
2
3
3a
3b
4
5
Operations
Diners Club
2
3
Card issuance and management
(annually, on the 28th day of a month and when this is a non-business day, then
on the last business day before the 28th)
for Holder of
the additional card account
Cash withdrawal – on the withdrawn amount
Non-cash transaction - on the transaction amount
domestic
international
Emergency card issuance to replace a lost or destroyed one
Dispatch of a new card to an indicated address
PLN 300
PLN 150
4%
Free of charge
Free of charge
Free of charge
Free of charge
34
Operations
1
Diners Club
2
6
3
Optional annual fee for participation in the Bonus Programme
PLN 50
TABLE 5
Applies to cards issued for Ekstrakonto accounts: Plus, Concerto, Rachunek Podstawowy, Profil Spokojny, Profil Aktywny, Profil Ambitny, Profil Zdobywcy, Junior,
Student, S, Profit, VIP, Elita and for accounts: Konto Osobiste (Personal Account), Konto dla Młodzieży, Konto Osobiste dla osób pobierających naukę (personal
Account for students), A’vista EUR Account.
1
1
1a
1b
1c
1d
1e
1f
1g
2
2a
2b
2c
3
3
4
4a
4b
4c
4d
Operations
Visa Electron Kontakt /
Maestro Kontakt
Visa Concerto
Visa Electron
Visa Electron Junior/
Visa Electron Student
Visa Euro
2
3
4
5
6
7
PLN 2
-
PLN 2
PLN 2
EUR 1
PLN 4
-
PLN 2
PLN 2
-
PLN 5
-
-
-
-
PLN 4
-
PLN 4
PLN 4
-
Free of charge
1 card in the Profile free of
charge, each next PLN 2
2 cards in the Profile free of
Free of charge
-
-
-
-
-
-
-
-
-
PLN 3
PLN 3
PLN 2
EUR 1
-
-
-
-
-
-
-
-
PLN 50
PLN 50
PLN 50
PLN 50
PLN 50
PLN 50
EUR 10
EUR 10
Free of charge
Free of charge
Free of charge
Free of charge
-
3%; min PLN 5
3%; min PLN 5
-
collected every month (in proviso of items 1b-1g)
issued for Ekstrakonto accounts: Student, Junior
(PLN 0, on condition that during the last calendar month the
Bank posted at least 3 non-cash transaction to this account
(except for Quasi Cash transactions)
issued for Ekstrakonto Plus account
(PLN 0, on condition that during the last calendar month the
Bank posted at least 5 non-cash transaction to this account
(except for Quasi Cash transactions)
issued for Ekstrakonto accounts: S, Profit, VIP, Elita and
Konto Osobiste
(PLN 0, on condition that during the last calendar month
the Bank posted at least 3 non-cash transaction to this
account (except for Quasi Cash transactions)
issued for Ekstrakonto Concerto
issued for Ekstrakonto accounts: Profil Spokojny, Profil
Aktywny
issued for Ekstrakonto accounts: Profil Ambitny, Profil
Zdobywcy
optional package of additional services
monthly, for each card (in proviso of items 2b-2c)
PLN 3
issued for Ekstrakonto accounts: Profil Spokojny, Profil 1 package in the Profile free of
Aktywny
issued for Ekstrakonto accounts: Profil Ambitny, Profil 2 packages in the Profile free
Zdobywcy
of charge, each next PLN 3
PLN 50
PLN 50
Cash withdrawal:
in BZWBK24 ATMs and exKB ATMs
Free of charge
in other domestic ATMs and in branches of other banks (in
3%; min PLN 5
proviso of item 4c)
with the use of cards issued for Ekstrakonto accounts: Plus,
Free of charge
Concerto, Profil Aktywny, Profil Ambitny, Profil Zdobywcy
abroad (in proviso of item 4e)
3%; min PLN 10
Free of charge
-
-
-
3%; min PLN 10
3%; min PLN 10
35
1
4e
4f
4g
4h
5
6
7
8
Operations
Visa Electron Kontakt /
Maestro Kontakt
Visa Concerto
Visa Electron
Visa Electron Junior/
Visa Electron Student
Visa Euro
2
3
4
5
6
7
Free of charge
Free of charge
-
-
-
-
-
-
-
Free of charge
EUR 2
3,5 %
3,5 %
3,5 %
3,5 %
3,5 %
PLN 2
Free of charge
PLN 2
PLN 2
Free of charge
PLN 2
PLN 2
Free of charge
PLN 2
PLN 2
Free of charge
PLN 2
-
with the use of cards issued for Ekstrakonto accounts:
Concerto, Profil Zdobywcy
in other ATMs and branches of other banks (in Poland and
Broad), re. VISA Euro card:
- 2 first cash withdrawals in a calendar month
- 3rd and further cash withdrawals in a calendar month
Currency conversion of transaction effected with a card in a
currency other than PLN (and in EUR in the case of Visa
Euro), the fee is automatically added to the charge amount
Ekstrakonto account balance checking in ATM
Balance checking in order to activate the card
Printout of Ekstrakonto account history in ATM
CHAPTER III CREDIT CARDS NOT COVERED BY THE OFFERING
TABLE 1
1
Visa Orange, Visa Classic
Electronic
Visa Classic “LSH
Starówka”, MasterCard
PayPass, MasterCard Silver
“Narciarska”
Visa Money
Operations
Visa Gold “Akcja
Pajacyk”,
2
3
4
7
PLN 220
2.5%; max PLN 58
2.5%; max PLN 58
PLN 190
PLN 38
PLN 38
Card fee in subsequent years
(collected on an annual or monthly basis)
Annual fee
1.1
main card (depending on the level of the
1.1a
sanctioned limit)
1.1b
additional card
1
FEE WAIVER:
1.2
1.2a
1.2b
monthly fee
main card (depending on the level of the
sanctioned limit)
additional card
FEE WAIVER:
2
3
Cash withdrawal in Poland and abroad
Non-cash transaction
The main card or additional card fee is not collected on condition that
transactions settled during the last 12-month cycles (except for
transfers from credit card) totalled:
PLN 24k
PLN 12k
PLN 20
0.2%; max PLN 5
PLN 15
PLN 3
transactions settled during the last 1-month cycle (except for
transfers from credit card) totalled:
PLN 2k
PLN 1k
3.5%; min PLN 10
Free of charge
3.5%; min PLN 10
Free of charge
-
0.2%; max PLN 5
PLN 3
The fee is not collected on
condition that min. 5
transactions were settled
during a given settlement
period (except for transfers
from credit card)
3.5%; min PLN 10
Free of charge
36
Visa Money
Operations
Visa Gold “Akcja
Pajacyk”,
2
3
4
7
Currency conversion of a foreign transaction effected in a
currency other than EUR
3%
3%1)
3%
1
4
Visa Orange, Visa Classic
Electronic
Visa Classic “LSH
Starówka”, MasterCard
PayPass, MasterCard Silver
“Narciarska”
Transfer from a credit card account effected via BZWBK24
3%; min PLN 5
3%; min PLN 5
Internet (%of the transferred funds)
Unauthorised debt (% of the amount above the authorised
6
10%; min PLN 40
10%; min PLN 40
limit)
7
Card change at the customer’s request
PLN 12
PLN 12
8
Lost card replacement with a new card3)
Free of charge
Free of charge
9
List of transactions
9a
for the main card
Free of charge
Free of charge
9b
for the additional card
PLN 2
PLN 2
10
Transaction history duplicate
PLN 5
PLN 5
11
Emergency cash withdrawal abroad
Free of charge
PLN 150
12
Replacement card issuance abroad
Free of charge
PLN 200
13
1% min. PLN 5
1% min. PLN 5
Fee on non-cash transactions effected in points marked
14
as: Casinos, internet casinos, games of chance, betting
3% min. PLN 7
3% min. PLN 7
shops, lotteries and lottery offices
Does not apply to: MasterCard PayPass, MasterCard Silver “Narciarska” cards
Does not apply to: Visa Classic Electronic, Visa Classic “LSH Starówka”, MasterCard PayPass, MasterCard Silver “Narciarska” cards
5
1)
2)
3%; min PLN 5
10%; min PLN 40
PLN 12
Free of charge
Free of charge
PLN 2
PLN 5
PLN 150
PLN 200
1% min. PLN 5
3% min. PLN 7
TABLE 2
Cards available in the offering until 8.09.2013. From 9.09.2013, only card renewals are available.
Note: As of 23.05.2011, the Bank ceased issuing Visa Flag Student main credit cards and as of 6.06.2013, also renewals, duplicates and replacements of those cards were ceased.
As of 23.05.2011, the Bank ceased issuing Visa Flag and MasterCard Electronic main credit cards.
World
MasterCard
Visa Classic
Visa Gold with
Visa Flag
Visa Gold
MasterCard
MasterCard
Operations
Electronic/
with BIN no.
BIN no.
Student
WARTA
with BIN no.
Platinum
Visa Flag
448351
402358
536360
1
1
1.1
1.2
2
2.1
2
Fee for card issuance and management in year one
for Customers with Ekstrakonto Concierto account
with the Bank
main card
additional card
for Customers with Ekstrakonto account with the
Bank or for those who have a credit card issued on
condition of resignation from a credit card/ charge
card issued by another bank.
main card
3
4
5
6
7
8
9
PLN 25
-
PLN 25
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
PLN 25
PLN 25
Free of charge
PLN 180
Free of charge
PLN 10
PLN 650
37
2.2
3
3.1
3.2
4
4.1
4.2
additional card
for other cases
main card
additional card
Fee for card management in year two and thereafter
main card
additional card
Condition for waiving the fees referred to in items 4.1
and 4.2
5
6
7
Early card renewal
Another card issuance or card duplicate issuance
Change in the card limit at the request of the card
Holder
8
Cash withdrawal
9
10
Non-cash transaction (payment)
Unauthorised card debit
Duplicate of the card account statement at the
request of the card Holder
Currency conversion of transaction effected with a
card in a currency other than PLN, the fee is
automatically added to the charge amount
Fee on non-cash transactions effected in points
marked as: Casinos, internet casinos, games of
chance, betting shops, lotteries and lottery offices
11
12
13
14
15
16
-
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
PLN 25
-
PLN 25
PLN 25
PLN 75
PLN 50
PLN 180
PLN 75
Free of charge
Free of charge
PLN 10
Free of charge
PLN 650
Free of charge
PLN 25
PLN 25
PLN 75
PLN 180
PLN 130
PLN 200
PLN 650
PLN 25
PLN 50
PLN 75
PLN 75
PLN 50
Free of charge
Fee for card management in year two and thereafter will not be collected on condition that during 12 months directly preceding the
card renewal date/ next fee collection date, the Customer will effect non-cash transactions in the amount set forth in the “Message for
private individuals – credit card holders”
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
3.5%; min PLN
10
Free of charge
10%; min PLN 40
3.5%; min PLN
10
Free of charge
10%; min PLN 40
3.5%; min PLN
10
Free of charge
10%; min PLN 40
3.5%; min PLN
10
Free of charge
10%; min PLN 40
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
PLN 5
Free of charge
3,5%
3,5%
3,5%
3,5%
3,5%
3,5%
3,5%
3%; min PLN 7
3%; min PLN 7
3%; min PLN 7
3%; min PLN 7
3%; min PLN 7
3%; min PLN 7
3%; min PLN 7
-
-
-
1%; min 5,00 zł
-
1% min 5,00 zł
1% min 5,00 zł
1% min 5,00 zł
1% min 5,00 zł
1% min 5,00 zł
-
-
-
3%; min 5,00 zł
-
3% min 5,00 zł
3% min 5,00 zł
3% min 5,00 zł
3% min 5,00 zł
3% min 5,00 zł
12 000 zł
24 000 zł
24 000 zł
24 000 zł
60 000 zł
as of 12.07.2014 r.
1% min 5,00 zł
Transfer from a credit card account effected via
BZWBK24 Internet (%of the transferred funds)
3%; min 5,00 zł
as of 12.07.2014 r.
The card fee in year two and thereafter is not
collected on condition that non-cash transactions
settled during the last 12-month cycles totalled at
least:
3% min 5,00 zł
1%; min 5,00 zł
(except Visa
Flag)
1% min 5,00 zł
3%; min 5,00 zł
(except Visa
Flag)
3% min 5,00 zł
3 000 zł
4 000 zł
1%; min 5,00 zł
Free of charge
Free of charge
3.5%; min PLN
3.5%; min PLN
10
10
Free of charge
Free of charge
10%; min PLN 40 10%; min PLN 40
Free of charge
Free of charge
Free of charge
10%; min PLN 40
CHAPTER IV SAVINGS ACCOUNTS AND TERM DEPOSITS
TERM DEPOSITS
1
1
2
Operations
2
Transfer instruction re. transfer of funds from deposit account to an account with a different bank (refers to
interest and capital at interest availability dates or upon the expiry of contractual period)
Transfer of funds from a deposit closed prior to the expiry of contractual period to an account with a different
bank
Rate
3
PLN 7
PLN 7
38
3
3a
3b
3c
Account statement
eWyciąg [eStatement] / account statement for BZWBK24 / KB24
hard copy
Free of charge
Free of charge
PLN 5
SAVINGS ACCOUNT
Savings Accounts offered and managed by outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A. or by KB24 service.
1
Operations
Standard savings account
Concerto savings account
Saving account – Lokata Swobodna
2
3
Transfer – on each transfer, once it is effected
1a
the first transfer (including the effected cash withdrawals in an outlet) in a calendar month
Free of charge
1b
the second and further transfers (including the effected cash withdrawals in an outlet) in a calendar month
PLN 10
Cash withdrawal – on each withdrawal, at the moment of making a withdrawal
2
2.a
the first withdrawal in an outlet (including the effected cash withdrawals) in a calendar month
Free of charge
2.b
the second and further withdrawals in an outlet (including the effected cash withdrawals) in a calendar month
PLN 10
3
PLN 10
Account statement
4
4.1
Free of charge
4.2
sent via ordinary mail, at the correspondence address
4.2a
Free of charge
4.2b
PLN 5
4.3
4.3a
once a month or rarer when the account Holder indicated BZWBK outlet as the place to collect the account statement
Free of charge
4.3b
more often than once a month when the account Holder indicated BZWBK outlet as the place to collect the account statement
PLN 5
by account Holders who expressed their consent to providing account statements in KB24 service IKD Channel or requested
4.3c
PLN 5
sending account statements to a correspondence address
5
PLN 10
Re. 1. For Savings Account in EUR, USD and GBP, the fee is collected as per the average exchange rate set forth in BZWBK Exchange Rates Table. When a transfer is effected via SORBNET, only a fee
for the SORBNT transfer is collected, also for the first transfer.
Ad.4.3 – the service is available solely in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A.
1
CHAPTER V LOANS
1
Operations
student loan with BGK
subsidies
2
3
Change of the remaining terms and conditions of the
agreement at the borrower’s request in the form of:
1a
an arrangement setting new conditions for the
repayment of receivables subject to the debt
1b
collection proceedings (following the termination of
a loan agreement)
2
for a B/E protest
1
PLN 30
Free of charge
39
1
2
Cash loans with fixed or
floating interest rate
Cash loans with fixed or floating
interest rate for customers availing
of student loan with the Bank
Student loans with subsidies
from Fundusz Pożyczek i
Kredytów Studenckich
3
4
5
Early loan repayment – one-off on the repaid amount, at the repayment time
1.5%; min PLN 20
1.5%; min PLN 20
1%; min PLN 10
Change in terms and conditions of the loan agreement at the borrower’s
2
request
PLN 30
PLN 30
PLN 30
- one-off, on the annex signing date
Fee for preparing and dispatching – at the request of a Customer or an
3
authorised Ordering Party – an opinion, certificate or other information about the
PLN 50
PLN 50
PLN 50
loan, on the opinion/ certificate/ information issuing date.
Re. 1 column 3. early repayment fee applies to loans sold by 18.12.2011. The fee is not collected if the sanctioned loan amount does not exceed PLN 80,000.
Re. 1 column 4. No fee is collected in the following cases: if the sanctioned loan amount does not exceed PLN 80,000 or, when the sanctioned loan amount exceeds PLN 80,000 and the early repayment
intention was reported to the Bank at least 30 days in advance.
Re. 1 column 5. No fee is collected in the following cases: loans sanctioned before 19.09.2002 and the early repayment intention was reported to the Bank at least 30 days in advance; loans sanctioned
between 19.09.2002 and 28.09.2003 when the loan amount is lower than PLN 5,000, loans sanctioned after 29.09.2003.
1
Loan for the purchase of vehicle
1
2
3
Early loan repayment – one-off on the repaid amount, at
the repayment moment
1.5 %, min. PLN 20 or
1
1.5 %, min. PLN equivalent of the amount:
5 EUR, 5 USD, 10 CHF – in accordance with the loan currency
2
Change in terms and conditions of the loan agreement at the borrower’s request (one-off, on the annex signing date):
loan currency conversion – on the loan amount subject to
2.1
conversion
2.1a from a foreign currency in to PLN
PLN 0
2.1b from an fx to another fx
1.5%; min PLN 100
2.1c from PLN to fx
1.5%; min PLN 100
3
other change in terms & conditions
PLN 30
Fee for writing and dispatching – at the request of a
PLN 50
Customer or an authorised Ordering Party – an opinion,
4
certificate or other information about the loan, on the
opinion/ certificate/ information issuing date.
Re. 1. No fee is collected in the following cases:
a) loans sanctioned before 19.09.2002 and the early repayment intention was reported to the Bank at least 30 days in advance.
b) loans sanctioned between 19-09-2002 and 28-09-2003:
- in PLN or in PLN but denominated in fx – with variable interest rate,
- in PLN or in PLN but denominated in fx – with fixed interest rate, when the loan amount is lower than PLN 5,000.
- when the sanctioned loan amount exceeds PLN 80,000 and the early repayment intention was reported to the Bank at least 30 days in advance.
c) loans sanctioned after 29-09-2003:
- when the sanctioned loan amount does not exceed PLN 80,000
- when the sanctioned loan amount exceeds PLN 80,000 and the early repayment intention was reported to the Bank at least 30 days in advance.
Product available solely in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A.
Ekstra Kredyt Gotówkowy [Extra Cash Loan] with fixed interest rate (product available by 9.09.2013 – applies to loan
applications submitted by 8.09.2013)
Loan sanction fee (one-off on the loan amount, payable on the
disbursement date) In the case of Consolidation Loan, the fee is accrued
on the loan amount decreased by the debt repaid to the Bank):
0% - 5%
The fee can be reduced when the Customer avails of other products in the Bank or, when
loan amounts are higher
Change in terms and conditions of the loan agreement at the borrower’s request (one-off, on the annex signing date):
40
a) loan currency conversion – on the loan amount subject to conversion
- from a foreign currency in to PLN
b) other change in terms & conditions
Fee for preparing and dispatching – at the request of a Customer or an
authorised Ordering Party – an opinion, certificate or other information
about the loan, on the opinion/ certificate/ information issuing date.
PLN 0
PLN 30
PLN 50
Product available solely in outlets which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A.
Pożyczka Finansowa [Loan] (product available by 9.09.2013 – applies to loan applications submitted by 8.09.2013)
Loan sanction fee – one-off on the loan amount, payable on the disbursement date (the minimum fee to total PLN 1000).
a) when the loan amount ranges from PLN 20 000.00 to PLN 80 000.00
2%
b) when the loan amount ranges from PLN 80 000,00 to PLN 120 000,00
1.9%
c) when the loan amount exceeds PLN 120 000.00
1.8%
Early loan repayment
Change in terms and conditions of the loan agreement at the borrower’s
request
- one-off, on the annex signing date
Fee for writing and dispatching – at the request of a Customer or an
authorised Ordering Party – an opinion, certificate or other information
about the loan, on the opinion/ certificate/ information issuing date.
PLN 0
PLN 200
PLN 50
MORTGAGE LOANS AND EQUITY RELEASES
GENERAL PROVISIONS
Internal customer (definition applied to mortgage loans and equity releases) – the Customer who meets at least one of the below conditions:
1. has held Ekstrakonto account for at least 6 months,
2. has held, as a self-employed entrepreneur, Ekstrabiznes account for at least 6 months,
3. is a wealthy customer.
A Wealthy Customer (definition applied to mortgage loans and equity releases) is the one who has:
the monthly inflows to Ekstrakonto account totalling at least PLN 7k (excluding cash lodgements and inflows from other personal accounts managed by outlets or central units which prior to the merger of
Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A.) and/ or the value of average monthly assets gathered in deposit and/ or investment products offered by outlets or central units
which prior to the merger of Kredyt Bank S.A. with BZ WBK S.A. were branded as Kredyt Bank S.A. totalling at least PLN 200,000.
1. When a loan is sought by several Applicants allocated to various Customer Types, then the loan sanction fee is accrued based on the most favourable Customer Type amongst the Applicants.
2. The loan fee collected on subsidised home loans (“Rodzina na Swoim”) for Customers who accede Life Insurance Agreement signed by and between the Bank and TUnŻ Warta S.A. totals PLN 0 in
accordance with the following rule: The Life Insurance Agreement is signed primarily by Borrowers (excluding disabled persons whose permanent total disability has been certified and who do not
meet the age condition set in the Insurance Agreement) and continued for at least 5 years from the Agreement first conclusion date. When the Bank finds out that the above condition of acceding the
Insurance Agreement and continuing it for at least 5 year is not met, the Borrower is obliged to pay a one-off loan fee of 1% (applies to loans granted pursuant to applications filed after 7.05.2012).
3. The fee for a low equity contribution is collected for 36-month periods, until the moment when LTV gets reduced to 80% of the property value.
4. The life insurance fee for applications filed by 31.07.2011 totals 0.034% of the current debt balance per month, payable on the loan repayment date.
5.
The early repayment fee is not collected in the case of:
a) up to 20% loan repayment (understood as the amount of the utilised and non-repaid loan amount) as at the date of submitting written information about the intention to make an early loan
repayment in a month when also the anniversary of the loan agreement signing date takes place. The above information cannot be submitted earlier than 30 days before the planned early
repayment date (applies to Ekstralokum home loans offered by 31.03.2013).
b) repayment made with the use of funds deriving from the sale of property owned by the borrower, not more often than twice during the period of one year from the property sale date. This does
not apply to a property whose purchase was financed with funds deriving from the loans under repayment and a property which was sold before the Loan Agreement signing date. The
41
6.
7.
8.
9.
Borrower is obliged to document the source of funds and the sale date by presenting the property ownership right / perpetual usufruct right sale agreement (applies to loans granted pursuant to
applications filed by 06.05.2012, Ekstralokum home loans)
c) loans up to PLN 80,000, granted pursuant to agreements signed by 17.12.2011, Ekstralokum home loans and consolidation-mortgage loans).
d) The fee is collected exclusively during the first 5 years of the lending term (applies to Ekstralokum home loans and consolidation-mortgage loans).
The fee on early repayment of the total loan amount is not collected on loans up to PLN 80,000, granted pursuant to agreements signed by 17.12.2011. The fee is collected exclusively during the first
5 years of the lending term.
The early repayment fee for Ambicja equity release is not collected in the case of:
a) releases sanctioned before 19.09.2002, when the early repayment intention was reported to the Bank at least 30 days in advance.
b) releases sanctioned between 19-09-2002 and 28-09-2003:
- in PLN or in PLN but denominated in fx – with variable interest rate,
- when the sanctioned release amount exceeds PLN 80,000 and the early repayment intention was reported to the Bank at least 30 days in advance.
c) releases sanctioned after 29-09-2003:
- up to PLN 80,000, sanctioned pursuant to agreements signed before 17.12.2011.
- when the sanctioned release amount exceeds PLN 80,000 and the early repayment intention was reported to the Bank at least 30 days in advance – applies to releases sanctioned pursuant
to applications filed before 6.05.2012.
Fee for amendments to the loan agreement terms & conditions at the Customer’s request is calculated in the currency of the loan subject to currency conversion. In the case of amendments related
to early repayment of a part of the loan, the Bank collects only the fee referred to in the “Early partial loan repayment” – applies to Ekstralokum home loan offered by 31.03.2013.
The fee for currency conversion applies to equity releases in a currency other than PLN, granted by 12.12.2005 and is accrued on the amount subject to conversion.
2
3
4
AMBICJA equity
release (applies to
releases granted
pursuant to
applications filed
by 31.03.2013)
PERSPEKTYWA
home loan
Operations
EKSTRALOKUM
home loan (applies to
loans granted
pursuant to
applications filed by
31.03.2013)
2
3
4
5
7
8
9
2%; min PLN 300
2%; min PLN 300
-
2%; min PLN 300
-
-
-
-
-
2,5%; min PLN 300
-
2,5%; min PLN 300
-
3.5%
on the loan amount
exceeding 80% of the
property value
-
PLN 0
(applies to loan
12.03.2012)
1% min. PLN 300
(applies to loan
12.03.2012)
3.5%
on the loan amount
property value
-
3,5%
on the loan amount
property value
-
-
-
-
PLN 100
-
PLN 300
PLN 400
PLN 300
PLN 400
PLN 300
PLN 400
-
PLN 300
PLN 400
-
1
1
Loan/ equity release sanction
1a
for the Bank customers
1b
for Customers who will sign the life
insurance agreement between the Bank and
TUnŻ Warta S.A.
1c
for non-Customers
Fee for low equity contribution
Loan sanction in principle
Verification of security value
4a
for a flat
4b
for a house
-
2,5%; min PLN 300
Subsidised home loan
ConsolidationRODZINA NA SWOIM
mortgage loan
(applies to loans
(applies to loans
granted pursuant to
granted pursuant to
applications filed by applications filed by
31.12.2012)
31.03.2013)
EKSTRALOKUM
home loan
(applies to
EKSTRALOKUM
home loans
granted between
06.02.2001 and
01.04.2009 as well
as home loans for
personal
customers,
granted before
05.02.2001)
42
1
AMBICJA equity
release (applies to
releases granted
pursuant to
applications filed
by 31.03.2013)
PERSPEKTYWA
home loan
Operations
EKSTRALOKUM
loans granted
pursuant to
31.03.2013)
2
3
4
5
7
8
9
PLN 450
PLN 850
PLN 450
PLN 850
PLN 450
PLN 850
-
PLN 450
PLN 850
-
1.5%; min PLN 300
1.5%; min PLN 300
1.5%; min PLN 300
1%; min PLN 100
1.5%; min PLN 300
1.5%; min PLN 300
1.5%; min PLN 300
1%; min PLN 100
Opinion on the security value
5a
for a flat and non-developed plot
5b
for a house
Early repayment
6
partial loan/ equity release repayment – one6a
off on the repaid amount, at the repayment
moment
mortgage loan
(applies to loans
(applies to loans
granted pursuant to
granted pursuant to
31.12.2012)
31.03.2013)
EKSTRALOKUM
home loan
(applies to
EKSTRALOKUM
home loans
granted between
06.02.2001 and
01.04.2009 as well
as home loans for
personal
customers,
granted before
05.02.2001)
5
6b
7
7a
7b
7c
7d
8
8a
8b
8c
8d
9
10
total loan/ equity release repayment – oneoff on the repaid amount, at the repayment
moment
Change in terms and conditions of the loan
agreement at the borrower’s request (one-off, on
the annex signing date)
currency conversion into PLN
loan currency conversion – on the loan
amount subject to conversion
conversion of currency in which the loan is
repaid
other change in terms & conditions
Control of an investment project
for loan agreements signed before
30.06.2011
for loan agreements signed after 01.07.2011
for the first control
for each next control
Equity release currency conversion – on the
amount subject to conversion
Conversion of currency in which the equity
release is repaid – from PLN to a foreign currency
in which the release is denominated (on the
outstanding amount, subject to conversion)
1.5%; min PLN 20
or
1.5%, min. the PLN
equivalent of
EUR 5, USD 5,
CHF 10 –
according to the
loan/ release
currency
-
-
PLN 200
PLN 0
-
PLN 0
-
-
-
PLN 0
0.5% max. PLN
200
-
-
-
-
PLN 0
-
PLN 0
PLN 0
-
-
PLN 200
PLN 200
PLN 200
PLN 200
-
PLN 50
PLN 150
PLN 150
-
PLN 250
-
PLN 250
-
-
PLN 0 - PLN 100
PLN 50 - PLN 150
-
-
-
-
-
1.5%; min PLN 100
0.9% max. PLN 500
-
-
-
-
-
0.50%; min PLN 200
-
43
1
11
mortgage loan
(applies to loans
(applies to loans
granted pursuant to
granted pursuant to
31.12.2012)
31.03.2013)
EKSTRALOKUM
home loan
(applies to
EKSTRALOKUM
home loans
granted between
06.02.2001 and
01.04.2009 as well
as home loans for
personal
customers,
granted before
05.02.2001)
AMBICJA equity
release (applies to
releases granted
pursuant to
applications filed
by 31.03.2013)
PERSPEKTYWA
home loan
9
Operations
EKSTRALOKUM
loans granted
pursuant to
31.03.2013)
2
3
4
5
7
8
Fee for writing and dispatching – at the request
of a Customer or an authorised Ordering Party –
an opinion, certificate or other information about
the loan, on the opinion/ certificate/ information
issuing date
PLN 100
PLN 100
PLN 100
PLN 100
PLN 100
44
CHAPTER VI INSURANCE NOT COVERED BY THE OFFERING
1
1
1a
1b
2
2a
2b
2c
3
3a
3b
3c
Rate
2
3
Insurance for mortgage loans
Home/ flat insurance LOCUM - annual fee calculated on the property value
NOTE: Insurance available also to all customers holding a personal account who do not avail of mortgage loans. The insured is
entitled to a return of a fee for the non-utilised insurance period
existing property
property under construction
Movable assets insurance + Civil Liability insurance (available in 3 options depending on the sums insured)
NOTE: Insurance available also to all customers holding a personal account who do not avail of mortgage loans. The insured is
entitled to a return of a fee for the non-utilised insurance period
Option 1
Option 2
Option 3
Insurance for mortgage loan holder SAFE MORTGAGE – monthly fee
Standard Package
Premium Package
VIP Package
Life insurance for mortgage loan holder – monthly fee
NOTE: The fee is the sum of daily accruals (0.002% of the loan balance accrued each day).
4
5
6
7
8
8a
8b
Insurance for borrowers of mortgage loans/ equity releases listed in part 2, chapter 5
Products available for loan applications submitted by 31.03.2013
Property group insurance with TUiR ”WARTA” S.A. – annual fee
For customers acceding insurance agreement pursuant to insurance declarations submitted by 06.05.2012, the insurance fee is
0.08% of the sums insured and is payable one-off for each commenced year of insurance protection. For customers acceding
insurance agreement pursuant to insurance declarations submitted after 07.05.2012, the insurance fee is: for the first 36-month
period of insurance: 0.24% of the sums insured and is payable in three equal instalments. For each next 12-month insurance term:
0.08% of the sums insured and is payable one-off for each commenced year of insurance protection.
Life insurance for borrowers of home loans, equity releases or consolidation mortgage loans (TUnŻ "WARTA" S.A.) – monthly
fee payable on the loan instalment payment date.
Insurance against the risk of job loss/ bankruptcy for borrowers of home loans, equity releases or consolidation mortgage
loans (TUiR "WARTA" S.A.) – monthly fee payable on the loan instalment payment date.
Insurance for Ekstra Cash Loan Products available for loan applications submitted by 8.09.2013
Life insurance for cash loans borrowers TUnŻ ”WARTA” S.A.), insurance against the risk of job loss/ bankruptcy/ temporary
disability for BZWBK borrowers, Medical Assistance for BZWBK borrowers (TUiR ”WARTA” S.A.) – fee payable in advance,
one-off, for the entire insurance term
life and medical assistance
life and job loss
Insurance for holders of Ekstrakonto bank accounts
0,08%
0,2%
PLN 80
PLN 250
PLN 380
4.6% on the current loan instalment
4.6% on the current loan instalment + PLN 9.9
4.1817% on the current loan instalment + 0.0499% on
the current debt balance + PLN 9.99
0,06%
0.08% of the sums insured
0.029% of the present debt balance
0.0665% of the present debt balance
0.27% of the loan amount x the number of instalments
0.30% of the loan amount x the number of instalments
Personal Accident insurance
9
9a
9b
9c
10
11
12
Operations
the sums insured PLN 5000
the sums insured PLN 10 000
the sums insured PLN 20 000
Assistance insurance
Torebka (Purse) package
Personal Accident insurance within ‘Zdobywca’ Profile
PLN 3
PLN 4
PLN 6
PLN 5
PLN 2.2
Free of charge
45
13
14
14a
14b
14c
15
16
16a
16b
16c
16d
16e
16f
16g
17
17a
17b
17c
17d
17e
17f
17g
Assistance insurance within ‘Zdobywca’ Profile
Insurance for holders of credit cards listed in part 2, chapter 3, table 2
Ekspres Package insurance – monthly fee
Visa Student, MasterCard Electronic, Visa Flag, Visa Classic, World
MasterCard
Visa Gold, Visa Gold Warta
MasterCard Platinum
“Debt protection” insurance – monthly fee
Insurance for cash loans listed in part 1, chapter 6 “Other Loans” applies to loan applications submitted by 30.09.2013
Insurance for cash loans listed in part 1, chapter 6 “Other Loans” applies to loan applications submitted 01.10.2013 –
01.05.2014
Free of charge
PLN 5
PLN 3
Free of charge
0.49% of the total debt as at the day of generating card
account statement
5,8%
7,4%
8,9%
10,40%
12,25%
14,15%
16,95%
7,0%
9,3%
11,6%
13,5%
15,9%
17,7%
18,6%
46
APPENDIX NO. 1 AVOCADO PRODUCTS AND SERVICES
(offer available by 31.12.2013). Applies only to customers who signed the following agreements in Polkomtel shops: Avocado Account Agreement, Visa Avocado payment card agreement, agreement on
BZWBK24 e-banking services or agreement on Avocado account and Visa Avocado payment card.
BANK ACCOUNTS
PAYMENT CARDS FOR ACCOUNTS
Operations
Konto
Avocado
1
2
3
1
1a
1b
2
3
3.1
3.1a
3.1b
3.1c
3.2
3.3
3.4
3.5
4
5
5.1
monthly inflow equal to or higher than PLN 1000
transfer effected in ELIXIR system
effected via BZWBK24 e-banking services, except for Teledysponent service
effected via Teledysponent service
effected in a BZ WBK Outlet
transfer effected via BZWBK24 e-banking services in Express ELIXIR system
standing order
direct debit
Transfer24
Account statement
eWyciąg (eStatement) sent to the inbox of a customer availing of BZWBK24 Internet
service
sent by regular mail more frequently than once a month or after each change in the
balance
SMS Transfer Service
Transfer of funds via SMS to another “SMS Transfer” service user
Transfer of funds via SMA to a predefined account
account managed by BZ WBK Outlet/ Branch
account not managed by BZ WBK
Cash withdrawal from BZWBK24 ATM via SMS
Information about transactions executed through “SMS Transfer” service sent via
SMS
Sending an SMS with information about the “SMS transfers” or help information
concerning “SMS Transfers”
Producing a history of account turnover (for each commenced month) for:
customers without BWBK24, when the history concerns the previous calendar month
customers without BWBK24, when the history concerns a month other than the
previous calendar month
5.2
5.2b
5.3
5.5
6
6.1
6.2
6.2a
6.2b
6.3
6.4
6.5
7
7.1
7.2
7.3
Operations
Visa
Avocado
2
3
1
Free of charge
PLN 3
Free of charge
1
Free of charge
PLN 6
PLN 9
PLN 3
PLN 35
PLN 0.5
PLN 0.5
Free of charge
2
3
Free of charge
Free of charge
PLN 5
PLN 5
4
5
6
PLN 5
7
Monthly card fee (collected every month)
If the Bank settled non-cash card
1a
transactions totalling min. PLN 500
in the previous calendar month.
1b
in other cases
Express issuance of a new card
Cash withdrawal
3a
in ATMs in Poland
3b
in ATMs and terminals of other
institutions abroad
3c
cash back
Currency conversion of a foreign transaction
effected in a currency other than EUR
(the fee is added automatically to the transaction
amount)
Checking the balance of available funds or
generating a mini-statement (a list of 10 recent
transactions) in ATMs
Generating a new PIN number for an issued card –
made at a holder’s request submitted in a paper
form to BZWBK Branch/ Outlet
Free of
charge
PLN 3
PLN 30
Free of
charge
PLN 5
Free of
charge
2,8%
PLN 2
PLN 9
PLN 9
Free of charge
Free of charge
PLN 0.5
Free of charge
Free of charge
Free of charge
PLN 10
Free of charge
PLN 10
47
BZWBK24 ELECTRONIC BANKING SERVICES
1
1
2
3
AVOCADO TERM DEPOSIT
Operations
2
Rate
3
Free of charge
PLN 0.3
smsCode
SMS under BZWBK24sms service
Alert24 Avocado Packages
3a
package usage
3b
sending an alert (via SMS)
3c
sending an alert (via e-mail)
Free of charge
Free of charge
Free of charge
Operations
2
Transfer instruction re. transfer of funds from deposit
1
account to an account with a different bank (refers to interest
and capital at interest availability dates or upon the expiry of
contractual period)
Transfer of funds from a deposit closed prior to the expiry of
2
contractual period to an account with a different bank
Account statement
3
3a
eWyciąg (eStatement)
3b
hard copy
3c
1
Rate
3
PLN 7
PLN 7
Free of charge
Free of charge
PLN 5
As regards foreign currency transactions, provisions of Chapter VII, table 1 “Foreign Currency Transactions” of this Schedule of Fees and Charges shall apply.
As regards other operations, provisions of Chapter VIII “Other Services” hereof shall apply.
As regards other operations, provisions of Appendix 1 hereof shall apply.
The items applicable as of 9.06.2014
Area
Before change
a)
b)
General Provisions
Item 4.4a
when the main or the additional card is issued, the card
account is debited with a card fee – during year one, within 3
months of the new card issuance.
thereafter, the main & additional card fee is collected on an
annual or monthly basis, in accordance with the customer’s
instructions:
- the annual fee debits the card account on the day when
the first list of transactions is generated, after the end of a
calendar month when the card issuance anniversary takes
place,
- the first monthly fee debits the card account on the day
when the first list of transactions is generated, after the
end of a calendar month when the card issuing
anniversary takes place, Thereafter, monthly fees are
debited to the card account on the days when
subsequent transaction statements are generated.
- in the case of additional cards issued by 13.10.2012,
annual fees or monthly fees are collected on the same day
as fees for main cards.
After change
Deletion of some clauses. The clauses are put in the Credit Card
Regulations
The only clause remaining is as follows:
When the MasterCard<30 is replaced at the renewal date for
customers over 30 – a fee for card replacement is not collected.
48
Area
Before change
c)
d)
e)
Part 1. Products and services in the current offering
Payment cards for accounts (Chapter II, Table 1),
Cards: Visa Electron <30, Visa Wydajesz & Zarabiasz, Visa
na Obcasach, Visa Electron Aktywni 50+, Visa Electron VIP
Payment cards for accounts (Chapter II, Table 1),
Cards:
MasterCard Omni, MasterCard Supri, MasterCard Payback
Omni, MasterCard PAYBACK Multi, MasterCard PAYBACK,
MasterCard Omni contactless sticker, MasterCard PAYBACK
Omni contactless sticker, MasterCard PAYBACK contactless
sticker, FX MasterCard in EUR / GBP/ USD <
Credit cards (Chapter V)
1. Card fee in year one:
Card fee in year one:
Visa Silver, Visa Silver “Akcja Pajacyk”, MasterCard Silver,
Visa Classic: 300 lat Uniwersytetu Wrocławskiego,
Uniwersytetu Mikołaja Kopernika, Uniwersytet Jagielloński
After change
- A fee for additional card is collected in the same manner
as the main card fee.
The main card holder has the right to change the cycle of
card fee collection in the next years (from annual to monthly
and otherwise). the annual fee debits the card account on
the day when the first list of transactions is generated, after
the end of a calendar month when the card issuing
anniversary takes place, In the case of cards issued after
13.10.2012, instruction to change the cycle of card fee
collection will lead to debiting the card account with a fee on
the day when the first list of transactions is generated, after
the end of a calendar month when the card issuing
anniversary takes place. Instructions to change the fee
collection frequency/ cycle should be reported by a customer
not later than a week before the end of a month when the
card issuing anniversary takes place.
When the MasterCard<30 is replaced at the renewal date for
customers over 30 – a fee for card replacement is not
collected.
Fees for issuing and using “123 Credit Card” are collected in
monthly cycles, regardless the number of transactions
carried out using the card during a settlement cycle. The first
monthly fee is charged to the Card Account in a month
directly following the month during which the Agreement was
signed. The Card Account charging date is indicated in the
list of transactions. The next monthly fees are collected on
the same day of a calendar month when the first fee was
collected, however if the fee collection date is a nonbusiness day, then the fee is collected on the business day
directly preceding the non-business day.
6. Currency conversion of a foreign transaction effected in a currency
amount)
6. Currency conversion of a foreign transaction effected in a
currency other than the account currency (the fee is accrued on
the transaction value after the aforesaid currency conversion)
amount). -
the transaction value after the aforesaid currency conversion):
2.8%
1. Card fee in year one:
1. Annual card fee in year one:
1.1. Card fee in year one:
main card (depending on the level of the sanctioned limit): 2.5%; max.
PLN 58
1.1 Annual card fee in year one:
main card: PLN 72
49
Area
Before change
Card fee in year one of WAIVER (main and additional cards)
The fee is not collected provided that at least 3 transactions are settled
(except for transfers from the credit card) within 3 months from the
card issuance approval.
The fee is not collected provided that at least 5 transactions are
settled (except for transfers from the credit card) within 3 months
from the card issuance approval.
The fee note is note no. 2
The fee note is note no. 1
2. Card fee thereafter (fee collected on an annual or monthly basis)
2. Card fee thereafter (fee collected on an annual or monthly basis)
1.1; 1.2 Card fee in year one: 123 Card (main and
additional)
2. Card fee in subsequent years
Card fee thereafter (shift to monthly fee collection)
2.1 Annual fee (rates)
Monthly fee:

Visa Silver, Visa Silver “Akcja Pajacyk”, MasterCard Silver, Visa
Classic: 300 lat Uniwersytetu Wrocławskiego, Uniwersytetu
Mikołaja Kopernika, Uniwersytet Jagielloński main card 0.2%;
max PLN 5

Visa Gold no. BIN 479084, MasterCard Gold: main card PLN 20;
additional card PLN 15

World MasterCard no. BIN 519308: main card: - , additional card: 
Visa Platinum, Visa Platinum Porsche: main card PLN 40;

MasterCard < 30: main card: -.
WAIVERS (card fee in subsequent years)
transactions effected with a card during the last 1-month cycle (except
for transfers from credit card) totalled (list the amounts here)
(the fee is added automatically to the transaction amount):

Visa Silver, Visa Silver “Akcja Pajacyk”, MasterCard Silver, Visa
Classic: 300 lat Uniwersytetu Wrocławskiego, Uniwersytetu
Mikołaja Kopernika, Uniwersytet Jagielloński, Visa Gold nr BIN
479084, MasterCard Gold: 3%

MasterCard PAYBACK, World MasterCard nr BIN 519308, 123
Credit Card, MasterCard < 30: 
Visa Platinum, Visa Platinum Porsche: Free of charge
Part 2. Services withdrawn from the offering
Payment cards for accounts (Chapter II, Table 1)
Credit cards (Chapter III, table 1)
After change
Annual fee – deletion of clauses. Deletion of items: 2.1, 2.1a, 2.1b
and 2.2. The to-date items 2.2a and 2.2b will bear numbers 2.1
and 2.2.
Monthly fee:

Uniwersytetu Mikołaja Kopernika, Uniwersytet Jagielloński
main card: PLN 6

Visa Gold no. BIN 479084, MasterCard Gold: main card PLN
18; additional card PLN 16

World MasterCard no. BIN 519308: main card: PLN 10,
additional card: PLN 8

Visa Platinum, Visa Platinum Porsche: main card PLN 42;

MasterCard < 30: main card: PLN 2
The main card or additional card fee is not collected on condition
that at least 5 transactions were effected with the card during the
last 1-month cycle (except for transfers from credit card).
currency other than PLN (the fee is accrued on the transaction
value after the currency conversion into the Card Account
currency):

Uniwersytetu Mikołaja Kopernika, Uniwersytet Jagielloński,
Visa Gold nr BIN 479084, MasterCard Gold: 2.8%

MasterCard PAYBACK, World MasterCard nr BIN 519308,
Karta kredytowa 123, MasterCard < 30: 2.8%

Visa Platinum, Visa Platinum Porsche: 2.0%
8. Card replacement at the Customer request applies to cards listed in
table 1.
Notes no. 1 and 2 under the table
8. Card change at the customer’s request
(the fee is added automatically to the transaction amount): 2.8%/ Visa
Classic: 3%/ Savings Maestro: 1. Card fee in subsequent years
the transaction value after the aforesaid currency conversion):
2.8%
1. Card fee thereafter (fee collected on a monthly basis):
Deletion of note no. 1. The to-date note no. 2 will bear nr 1.
50
Area
Before change
After change
(collected on an annual or monthly basis):
Card fee thereafter (shift to monthly fee collection)
FEE WAIVER:
Appendix 1 – Avocado account
Payment Cards for Accounts
1.1. Annual fee (rates)
1.2. Monthly fee:

Visa Orange, Visa Classic Electronic, Visa Classic “LSH
Starówka”, MasterCard PayPass, MasterCard Silver “Narciarska”,
Visa Money: Main card 0.2%; max PLN 5
transactions effected with a card during the last 1-month cycle (except
for transfers from credit card) totalled (list the amounts here)
other than EUR
(the fee is added automatically to the transaction amount): 3% (does
not apply to: MasterCard PayPass, MasterCard Silver and “Narciarska”
cards)
Notes no. 1 and 2 under the table
12. Currency conversion of transaction effected with a card in a
currency other than PLN, the fee is automatically added to the charge
amount 3.5%
other than EUR
Annual fee – deletion of clauses. Deletion of items 1.1, 1.1a, 1.1b
and 1.2. The to-date items 1.2a and 1.2b will bear numbers 1.1a
and 1.1b.
Monthly fee:

Visa Orange, Visa Classic Electronic, Visa Classic “LSH
Starówka”, MasterCard PayPass, MasterCard Silver
“Narciarska”, Visa Money: main card: PLN 6
The main card or additional card fee is not collected on condition
that at least 5 transactions were effected with the card during the
last 1-month cycle (except for transfers from credit card).
currency other than PLN
(the fee is accrued on the transaction value after the currency
conversion in to the Card Account currency): 2,8%
Deletion of notes no. 1. and no. 2.
12. Currency conversion of transaction effected with a card in a
currency other than PLN (applicable by 11 July 2014): Visa Flag
Student, Visa Flag, MasterCard Electronic, World MasterCard nr.
BIN 536360: 2.8% (accrued on the transaction value after the
currency conversion in to the Card Account currency). Other cards:
3.5% (the fee is automatically added to the charge amount)
As of 12 July 2014:
currency other than PLN (the fee is accrued on the transaction
value after the currency conversion in to the Card Account
currency): 2,8%
the transaction value after the aforesaid currency conversion)
51

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