Fees

The Bank charges fees for services of payment operations with foreign countries and inland currency operations, all  in accordance with Decision on Fee Tariffs.

Decision on Fee Tariffs

 

	Decision on Fee Tariffs
	I PAYMENT OPERATIONS WITH FOREIGN COUNTRIES
1.	TRANSFERS
1.1.	Nostro transfers
1.1.1.	Transfers ordered by foreign and legal persons to abroad	0,30% one time , min: 80 kn, max: 4.000 kn
1.1.2.	Transfers through  JABAnet	0,25%one time, min: 70 kn, max: 4.000 kn
1.1.3.	If a transfer contains the OUR option, additional fee shall be charged
1.1.3.1.	For transfers up to EUR 10.000,	70 kn one time
1.1.3.2.	For transfers up to  EUR 50.000,	200 kn one time
1.1.3.3.	For transfers over  EUR 50.000,	600 kn one time
1.1.4.	Transfer of currency funds for the customers account to another customer's account inland	0,15% one time, min: 60 kn, max: 4.000 kn
1.1.5.	Urgent  execution of SWIFT messages within  3 hrs.	100 kn one time
1.1.6.	Complaints on transfers to abroad;changes of transfer data /cancellation of transfer/ return of transfer	100 kn +foreign banking costs
1.2.	Loro transfers
1.2.1.	Transfers from abroad for physical and legal persons
1.2.1.1.	* For transfers up to EUR 500,00	35 kn one time
1.2.1.2.	*For transfers form  EUR 500,00 to EUR 1.000,00	50 kn one time
1.2.1.3.	*For transfers exceeding EUR  1.000,00 0	0,30%one time, min: 80 kn, max: 4.000 kn
1.2.2.	*Transfers form abroad in favour of physical persons on regular salaries or pensions	no fees
1.2.3.	Transfers for humanitarian organizations	no fees
1.2.4.	Fees for inflows from abroad in an account opened wiht other banks inland, apart from inflows on salaries or pensions
1.2.4.1.	* For transfers up to EUR 1.000,00	20 kn one time
1.2.4.2.	*For transfers exceeding  EUR 1.000,00	50 kn one time
1.2.5.	Transfer of currency funds from one  customers' accounts to another one opened with another bank	0,15%one time, min: 60 kn, max: 2.000 kn
1.3.	Transfers with the OUR option /costs borne by a  foreign bank/	0,3% , min 10 EUR, max 50 EUR
1.4.	The Bank reserves right to calculate additional actual costs . When calculating these will be used the mean rate by CNB
2.	LETTERS OF CREDIT
2.1.	Nosto letters of credit
2.1.1.	Opening letters of credit with depositing coverage	0,30% one time, min: 400 kn
2.1.2.	Opening letters of credit without depositing coverage for each trimester	0,70% one time, min: 500 kn
2.1.3.	Confirmation fee	prema dogovoru
2.1.4.	Stand by letters of credit - for each trimester	0,70% jednokratno, min: 500 kn
2.1.5.	Changing letters of credit conditions
2.1.5.1.	*up to two elements	300 kn one time
2.1.5.2	*more than two elements	500 kn one time
2.1.6.	Reviewing document and liquidation	0,30% one time, min: 80 kn, max: 4.000 kn
2.1.7.	Fee for irregular documentation	70 EUR one time
2.2.	Loro letters of credit
2.2.1.	Notification (no obligation)	0,10% one time, min: 300 kn, max: 1.000 kn
2.2.2.	Advice of opening a letter of credit to the beneficiary's bank	0,10%one time, min: 300 kn, max: 1.000 kn
2.2.3.	Chanigin letter of credit conditions
2.2.3.1.	*up to two element	300 kn one time
2.2.3.2.	*more than two elements	500 kn one time
2.2.4.	Taking over and reviewing documents	0,30% one time, min: 400 kn, max: 1.000 kn
2.2.5.	At payouts on loro letters of credit will be charged a fee for collection through a money  transfer	0,30% one time, min: 80 kn, max: 4.000 kn
2.3.	The Bank reserves right to calculate additional actual costs . When calculating these will be used the mean rate by CNB
3.	GUARANTEES- in operations with foreign countries
	Fee for processing requests for issuing all guarantees with no coverage	0,2% one time min 500,00 max 10.000,00 kn
	Fee for processing requests for changing contract conditions on issuing guarantees- prolongation	0,1% one time min 250,00 max 5.000,00 kn
	Renouncing guarantee granted	the bank keeps the fee
	Changing guarantee conditions	500,00 kn one time
	Fee for operations of demand for payment on guarantees	500,00 kn
	Renouncing guarantee granted	the bank keeps the fee
3.1.	NOSTRO GARANEES
3.1.1.	Issuing guarantees with 100% cash collateral deposited	0,2% quarterly min 200,00 max 1.000,00 kn
3.1.2.	Issuing payment guarantees	0,4%  quarterly min 500,00 kn
3.1.3.	Issuing performance guarantees	0,4% quarterly, min 500,00 kn
3.1.4.	Issuing indirect guarantees	0,5% quarterly,  min 500,00 kn
3.1.5.	Issuing letters of intent– non obliging	1.000,00 one time
	At payments on guarantees, a commission on payments through transfers of this Decision is charged, At collection on guarantees, a commission on payments through transfers of this Decision is charged, Fee on nostro guarantees is charged and collected quarterly and in advance on a balance found  The fee is charged on the real number of days in an accounting period. In case of a  premature extinction of a guarantee, a refund of money paid in is not carried out At issuing guarantees for orderly repayment of loans, the calculation base for fees is the obligation wholly guaranteed, i.e. the loan amount with belonging interest. If the customer with a loan obtained, for which the Bank issued a guarantee,  settles his debt towards the Bank,  the fee is reduced by 50%. Together with all  costs specified, the principal bears real costs of a third party's operations charged  to the Bank (foreign bank costs, DHL and other costs).  Commissions and fees are calculated for all customers classified in the A group.
3.2.	LORO GARANTEES
3.2.1.	Guarantee notification without guarantee	500,00 kn
	Change notification on a guarantee	500,00 kn
3.2.2.	Confirmation	on a Bank's special Decision, depending on risks connected with a single country and bank
3.2.3.	Request for change of guarantee conditions	500,00 kn
3.2.4.	Guarantee protest	500,00 kn
	II FOREIGN CURRENCY CLAIMS SETTLEMENT
4.	EFFECTIVE FOREIGN CURRENCY
4.1.	Taking over effective foreign currency and cheques from money changers	no fees
4.2.	Depositing effective foreign currency to a currency account after collecting export of goods and services	0,30%
4.3.	Withdrawing effective foreign currency from the currency account for business trips	0,5%
4.4.	Sale of effective foreign currency from the currency account for business trips	1% min 100,00 kn
5.	CHEQUES
5.1.	Taking over cheques from legal persons for sending on collection with crediting the foreign currency account	0,3% min. 100,00 kn
6.	FOREIGN CURRENCY AND KUNA ACCOUNTS OF FOREIGN LEGAL PERSONS
6.1.	opening and closing accounts	no fees
6.2.	Payouts in effective foreign currency	0,5%
6.3.	For all other operations will be applied the Tariff as with domestic legal persons

	III OTHER OPERATIONS
7.1.	Cancellation of a transfer	HRK 100,00
7.2.	Foreign currency complaints	HRK 100,00 + real costs
7.3.	Remainders
7.3.1.	First remainder	HRK 30,00
7.3.2.	Second remainder	HRK 50,00
7.3.3.	Third remainder	HRK 70,00
7.4.	Other confirmations	HRK 100,00
7.5.	Execution of transcripts of card statement , documents and similar	HRK 100,00
7.6.	Copies of documents	HRK 3,00  by the page
7.7.	Filling in forms 14 and  15	HRK 30,00 by the page
7.8.	Daily sending foreign exchange lists  (except for exchangers)	HRK 500,00  semi-annualy
	sending data out of historic foreign exchange lists ( up to 10 dates)	HRK 50,00
	copies of documents from the microfiche department	HRK 10,00  a page
7.9.	Servicing  costs of factoring operations on the amount of factoring used on contracts bought with the balance of account by the end of the month	0,2% monthly
7.10.	Servicing  costs of factoring operations in advance for each month on amounts of invoices when due	0,2%  monthly
	the customer must settle his matured  debts on all bases in advance (capital, interest, fee) within 15 days as of the obligation date of his obligation towards the Bank Expired the date  and following the first reminder, a regulatory default interest is calculated for the whole period of his obligation towards the Bank. If the interest due  resulted out of purposes where the regular interest rate is bigger that the obligatory default interest rate, calculations of interest is applied on due payables at  the  bigger interest rate. Every subsequent reminder is sent in time intervals of 8 days and is charged in accordance with Decision (on the biggest tariff of reminder sending costs).
	IV ACTUAL  EXPENSES
1.	The principal must settle all commission and expenses charged by the foreign correspondent bank.
2.	Apart from fees foreseen by this Decision, the Bank charges all real expenses experienced in foreign currency  and kuna operations, in the country and abroad.
3.	Real costs are charged  even then when by this Decision is foreseen that relative expenses are collected with no fees. The Bank may collect even other expenses encompassed with this Decision, if the same is regulated by a special agreement between the Bank and a beneficiary of a service.
	V GENERAL REGULATIONS
1.	The Bank collects service fees from the beneficiary unless foreseen otherwise  by an agreement between  customers and the Bank.
2.	For services not  envisaged with this Decision but  appearing  in the Bank's operations, the fee amount will be determined  between service users or with  a special decision.
3.	Fees for services determined with this decision are the lowest  possible. The Bank will determine  even bigger fees, depending on market conditions of offer and demand and, also, by taking into consideration the  Bank's operating risk and expenses. A Decision mentioned  in previous count is made by the  Bank's  management.
4.	Calculation of fees on guarantee operations the Bank will carry out every three months, at the end  of every quarter by using the EURO method (the real numberof use /360). The calculation base is the balance of guarantee obligation in the Bank's books.
5.	For services of foreign currency operations delivered  by the Bank to its customers in the country, fees are calculated in kuna at the moment of executing services at the ruling mean rate of Jadranska banka d.d.. Šibenik. The collection of fees is done in advance, i.e. at the moment of the execution of services.
6.	The calculation of fees for services delivered , as well as real costs referring to legal persons, mature immediately, at most,  within 15 days as of debiting.
7.	If the balance of receivables on fees bases , that in the meantime was calculated and collected, totals less than 1 kuna for citizens and 5 for legal persons, it is written off.
8.	If a liquidation procedure is announced,  fee totaling less than 5 kuna is not reported in the bankruptcy estate.  The amount not collected is written off as extraordinary expenditure.  At publicizing a legal person's liquidation procedure,  the Bank will calculate fees, otherwise calculated quarterly, in advance for all  three quarters, i.e. for the whole period of obligation of the customer towards the Bank.