PRICE LIST OF PRODUCTS AND
SERVICES FOR PRIVATE PARTIES
TABLE OF CONTENTS
PAGE
CURRENT ACCOUNTS AND SAVINGS ACCOUNTS 4
PAYMENT SYSTEM, CASH AND FOREIGN EXCHANGE OPERATIONS
7
•Current accounts Loyalty advantages
• Tied account
• Time deposits
• Promissory notes*
• Savings accounts
• Financial planning
4
5
5
6
6
6
•Non-cash domestic payment system
• Non-cash foreign payment system
• Cash operations
• Foreign exchange operations, operations with coins and banknotes
• Other operations
7
9
10
11
11
PAYMENT CARDS
12
DIRECT BANKING
18
CREDIT PRODUCTS
20
• Debit cards (newly issued)
• Credit cards
• Partner credit cards
• Cards with loyalty program Exclusive
• Direct banking services
• Security elements
• Other
• Quick loan
• Personal universal loan
• Low repayment - loans consolidation • Special-purpose loan
• Loan at a click
• Mortgages
• Authorised debit *
• Bank overdraft *
• Transfered Unauthorized negative balance
12
13
15
16
18
18
19
20
20
20
21
21
22
23
23
24
INVESTING25
• Raiffeisen mutual funds
• ČP Invest mutual funds
• Premium deposits and Structured bonds
• Other
25
25
25
25
OTHER SERVICES 26
• Cheques
• Documentary business – Real Estate Letter of Credit
• Change in account services*
• Statements
• Confirmation
• Lease of safe-deposit boxes*
• Use of night depository*
• Telecommunications operations
• Fax communication
• Other
• General Provisions
This price list of products and services for private parties and legal entities is also referred to as the „Price List“.
26
26
26
27
27
28
28
28
28
28
29
CURRENT ACCOUNTS AND SAVINGS ACCOUNTS
•Current accounts
The client can choose from three types of current accounts:
• ACCOUNTS WITH PRICING PROGRAMMES are current accounts and related services for which, in complying with the
below specified conditions, the client pay a reduced-rate or no fee at all.
• SEPARATE CURRENT ACCOUNTS are designed for clients that did not choose a satisfactory account from either the
accounts with pricing programmes or from the services packages.
ACCOUNTS WITH PRICING PROGRAMMES
eKonto
The eKonto is an account with a pricing programme that, in satisfying the conditions for applying loyalty advantages, provides a reduced fee or no fee for other agreed services (namely account administration fee, direct banking and payment
card). It also provides reduced fees for ATM withdrawals.
The price list price applies for clients that use only 1-2 offered products.
Loyalty advantages
Basic advantages
For clients that use at least 3 products, including the following:
•Current account
•Debit electronic or embossed payment card
•Direct banking
Extra advantages
If the client satisfies conditions for obtaining Extra advantages and also satisfies the conditions for obtaining Basic advantages,
the client then receives a reduced rate for select items on its eKonto or does not pay any fee.
Definition of conditions:
•Monthly credit turnover min. CZK 20,000 or
•Monthly credit turnover min. CZK 15,000 and consumer loan min. CZK 50,000 (i.e. approved amount of loan) or
•Monthly credit turnover min. CZK 15,000 and mortgage loan min. CZK 400,000 (i.e. approved amount of loan) or
•Monthly credit turnover min. CZK 15,000 and amount of deposit + investment as of the day before the last day in the
month min. CZK 100,000
Premium advantages
If the client satisfies conditions for obtaining Premium advantages and also satisfies the conditions for obtaining Basic
advantages, the client then receives a reduced rate for select items on its eKonto or does not pay any fee. There are more
of these items than with Extra advantages. Definition of conditions:
•Monthly credit turnover min. CZK 25,000 or
•Mortgage loan min. 2 million (i.e. approved amount of loan) or
•Amount of deposit + investment as of the day before the last day of the month, min. CZK 500,000
* Mortgage credit is repaid from eKonto that provides the advantages In satisfying some of the condition of the above described Extra or Premium Loyalty advantages, you pay a reduced rate compared to the Price List price. The reduced rate is
given in the Overview of Prices for Loyalty Advantages. You also have the chance to take advantage of the reduced CZK
9.90 fee for any withdrawal from an ATM in the Czech Republic in the month following the one in which the conditions of
the Loyalty Advantages were satisfied.
The following operations are not considered incoming transactions:
incoming payments from current accounts of the same owner, incoming payments from a Savings Account of the same
owner, transfers from time deposits to current accounts, transfers between individual currencies of the account (conversion
of currencies), credit transfers to this current account from credit accounts, credited interest
4
Student
The Student programme is a special pricing programme for young clients still studying. It contains all bank services with
reduced fees for direct banking and regular transactions. To qualify, the individual must be a regular student at a secondary school, polytechnic or university, 1x annual submission of confirmation of studies (not older than 30 calendar days) and
not be over 26 years of age. The Student programme can only be used with one account, and does not entitle its holder to
an administration discount on their second or additional accounts.
Item name
charged
eKonto
Price list
price
free of
charge
basic
extra
premium
free of
charge
free of
charge
free of
charge
free of
charge
free of
charge
free of
charge
1.
Opening a current account
per item
2.
Administration of current account
monthly
75 CZK
55 CZK
3.
Administration of current account - 1st 3rd unit of currency
Administration of current account - 4th
and other currency account
monthly
15 CZK
15 CZK
15 CZK
monthly
15 CZK
15 CZK
15 CZK
15 CZK
monthly
50 CZK
50 CZK
monthly
45 CZK
43 CZK
free of
charge
free of
charge
monthly
65 CZK
60 CZK
40 CZK
free of
charge
free of
charge
free of
charge
free of
charge
free of
charge
free of
charge
free of
charge
4.
5.
Use of Authorised debit
6.
Administration of electronic debit cards Maestro, VISA Electron
Administration of embossed debit cards
– MasterCard Standard, VISA Classic
7.
Current
account
Student
free of
charge
free of
charge
75 CZK
30 CZK
x
15 CZK
x
15 CZK
20 CZK
50 CZK
25 CZK
25 CZK
45 CZK
45 CZK
free of
charge
free of
charge
free of
charge
8.
Opening of accoutn statement
per item
free of
charge
free of
charge
9.
Direct banking
monthly
90 CZK
55 CZK
per item
free of
charge
free of
charge
free of
charge
free of
charge
free of
charge
free of
charge
per item
9.90 CZK
9.90 CZK
9.90 CZK
9.90 CZK
9.90 CZK
9.90 CZK
per item
39.90 CZK
39.90 CZK
9.90 CZK
9.90 CZK
39.90 CZK
39.90 CZK
per item
free of
charge
free of
charge
free of
charge
free of
charge
x
free of
charge
free of
charge
free of
charge
10. Payment card withdrawals from
Raiffeisenbank ATM - first two
withdrawals
11. Payment card withdrawals from
Raiffeisenbank ATM - third and other
withdrawal
12. Payment card withdrawals from ATM of
other banks
13. Change of pricing programme (from
other pricing programmes to the eKonto
programme)
80 CZK
free of
free of
free of
free of
charge
charge
charge
charge
15. Minimum deposit
CZK 500
Zvýhodněné ceny u platebních karet se vztahují vždy na jednu platební kartu z dané kategorie. Držitelem platební karty může být buď majitel účtu
nebo disponent.
14. Cancellation of current account
per item
• Tied account
The parameters and conditions of the account are stipulated individually by agreement.
• Time deposits
Item name
Item price
1. Opening of time deposit
free of charge
2. Administration of time deposit
free of charge
3. Sending by post or over-the-counter delivery of account statement*
free of charge
4. Cancellation of time deposit
free of charge
5. Premature withdrawal or premature cancellation of time deposit
5.1. Time deposit in CZK
5.2. Time deposit in foreign currency
2 % of prematurely withdrawn amount, minimum
of CZK 1,000
1.5 % of prematurely withdrawn amount, minimum
of CZK 1,000 (equivalent in foreign currency)
* Only with time deposits maintained on a separate time account.
5
• Promissory notes*
Item name
Item price
1. Issuing a promissory note
free of charge
2. Promissory note custody
free of charge
3. Collection of a promissory note
free of charge
4. Issuing a copy of promissory note
free of charge
*A condition for using a promissory note is maintaining a separate current account or package of services.
• Savings accounts
eKonto Plus*
Včelička**
1. Account administration
free of charge
free of charge
Efektkonto
Premium
free of charge
2. Opening an account
free of charge
free of charge
free of charge
Item name
3. Minimum balance/deposit
CZK 0
CZK 0
CZK 0
free of charge
free of charge
free of charge
5. Internet banking



6. Phonebanking



7. GSM banking



8. Payment card issuance
9. Children's accident insurance from the UNIQA
insurance company




CZK 70 per month

4. Cancellation of account
depending on the amount of
coverage requested (CZK 65

- CZK -650 monthly)
11. Drafting statement
CZK 10
free of charge
free of charge
* Before 7 July 2008 the eKonto Plus product was provided under the name eKonto Savings Account. A condition for the provision of eKonto Plus is
that the client must maintain an eKonto account.
**The given types of insurance can be arranged for a Včelička savings account.
10. The Patron insurance programme the UNIQA
insurance company

• Financial planning
Item name
1. Opening of financial plan*
* This fee includes VAT pursuant to the valid laws. The invoice shall be issued upon the client’s request.
6
Item price
CZK 2,900
PAYMENT SYSTEM, CASH AND FOREIGN EXCHANGE OPERATIONS
•Non-cash domestic payment system
eKonto
Student
Separate current
accounts
1.1. From Raiffeisenbank a.s.
free of charge
free of charge
CZK 5
1.2. From another bank in the CR
free of charge
free of charge
CZK 7
CZK 4
CZK 4
CZK 4
Item name
1. Received payment
2. Transfer to the crown account credit
2.1. Maintained at Raiffeisenbank a.s.
2.1.1. Via GSM banking
2.1.2. Via Internet banking
CZK 4
CZK 4
CZK 4
2.1.3. Via Phonebanking
2.1.4. Paper payment order submitted over the counter with due date the
next day or later
2.1.5. Paper payment order submitted over the counter with due date the
day of submission or with no due date given
2.1.6. Paper payment order submitted via collection box
CZK 14
CZK 14
CZK 14
CZK 34
CZK 34
CZK 38
CZK 34
CZK 34
CZK 70
CZK 34
CZK 34
CZK 34
CZK 4
CZK 6
CZK 6
2.2. Maintained in another bank in the CR
2.2.1. Via GSM banking
2.2.2. Via Internet banking
CZK 4
CZK 6
CZK 6
2.2.3. Via Phonebanking
2.2.4. Paper payment order submitted over the counter with due date the
next day or later
2.2.5. Paper payment order submitted over the counter with due date the
day of submission or with no due date given
2.2.6. Paper payment order submitted via collection box
CZK 14
CZK 16
CZK 16
CZK 34
CZK 36
CZK 40
CZK 34
CZK 36
CZK 70
CZK 34
CZK 36
CZK 34
2.3.1. Payment via Internet banking
CZK 29
CZK 31
CZK 40
2.3.2. Payment via Phonebanking
CZK 39
CZK 41
CZK 40
2.3.3. Paper payment order submitted over the counter
CZK 59
CZK 61
CZK 200
free of charge
free of charge
free of charge
2.3. Express payment
3. Standing order
3.1. Opening of standing order via Internet banking
3.2. Opening of standing order via GSM banking


free of charge
3.3. Opening of standing order via Phonebanking
CZK 10
CZK 10
CZK 10
3.4. Opening of standing order over the counter
CZK 30
CZK 30
CZK 30
3.5. Change/cancellation of standing order over the counter
CZK 30
CZK 30
CZK 30
free of charge
free of charge
free of charge


/free of charge
3.6. Change/cancellation of standing order via Internet banking
3.7. Change/cancellation of standing order via GSM banking
3.8. Change/cancellation of standing order via Phonebanking
CZK 10
CZK 10
CZK 10
3.9. Payment generated by standing order within Raiffeisenbank a.s.
3.10. Payment generated by standing order to other bank within the Czech
Republic
4. Consent with collection
CZK 6*
CZK 6*
CZK 9
CZK 6**
CZK 8**
CZK 9
free of charge
free of charge
free of charge
CZK 10
CZK 10
CZK 30
4.1. Opening of consent with collection via Internet banking
4.2. Opening of consent with collection via Phonebanking
4.3. Opening of consent with collection over the counter
CZK 30
CZK 30
CZK 30
free of charge
free of charge
free of charge
4.5. Change/cancellation of consent with collection over the counter
CZK 30
CZK 30
CZK 30
4.6. Change/cancellation of consent with collection via Phonebanking
CZK 10
CZK 10
CZK 30
free of charge
free of charge

4.4. Change/cancellation of consent with collection via Internet banking
4.7 Standing order for collection
4.7.1 Opening of standing order for collection via Internet banking
4.7.2 Opening of standing order for collection via phonebanking
CZK 10
CZK 10

4.7.3 Opening of standing order for collection via over the counter
CZK 30
CZK 30

7
Item name
4.7.4. Change/cancellation of standing order for collection via Internet
banking
4.7.5 Change/cancellation of standing order for collection via
phonebanking
4.7.6 Change/cancellation of standing order for collection via over the
counter
4.8. Collection - outgoing payment within
Raiffeisenbank a.s.
4.9. Collection - outgoing payment to other bank within the Czech Republic
4.10. Collection - received payment on basis of prior collection order within
Raiffeisenbank a.s.
4.11. Collection - received payment on basis of prior collection order from
other bank in the Czech Republic.
5. Intelligent collection
5.1. Opening of intelligent collection via Internet banking
5.2. Opening of intelligent collection via Phonebanking
5.3. Opening of intelligent collection via over the counter
5.4. Change/cancellation of intelligent collection via Internet banking
eKonto
Student
Separate current
accounts
free of charge
free of charge

CZK 10
CZK 10

CZK 30
CZK 30

CZK 3
CZK 3
CZK 7
CZK 3
CZK 5
CZK 7
CZK 3
CZK 5
CZK 5
CZK 3
CZK 5
CZK 7
free of charge
free of charge

CZK 10
CZK 10

CZK 30
CZK 30

free of charge
free of charge

5.5. Change/cancellation of intelligent collection via Phonebanking
CZK 10
CZK 10

5.6. Change/cancellation of intelligent collection via over the counter
CZK 30
CZK 30

5.7. Collection - outgoing payment within Raiffeisenbank a.s.
CZK 3
CZK 3
CZK 7
5.8. Collection - outgoing payment to other bank within the Czech Republic
5.9. Collection - received payment on basis of prior collection order within
Raiffeisenbank a.s.
5.10. Collection - received payment on basis of prior collection order from
other bank in the Czech Republic
6. Intelligent savings
CZK 3
CZK 5
CZK 7
CZK 3
CZK 3
CZK 5
CZK 3
CZK 5
CZK 7
free of charge


CZK 10


6.1. Opening of intelligent savings via Internet banking
6.2. Opening of intelligent savings via Phonebanking
6.3 Opening via over the counter
CZK 30


free of charge


6.5. Change/cancellation of intelligent savings via Phonebanking
CZK 10


6.6 Change/cancellation of intelligent savings via over the counter
CZK 30


free of charge


6.4. Change/cancellation of intelligent savings via Internet banking
6.7. Outgoing/Received payment
7. SIPO
7.1. Opening of SIPO via Internet banking
free of charge
free of charge
free of charge
7.2. Opening of SIPO via Phonebanking
CZK 10
CZK 10
CZK 30
7.3. Opening of SIPO over the counter
CZK 30
CZK 30
CZK 30
7.4. Change/cancellation of SIPO over the counter
CZK 30
CZK 30
CZK 30
free of charge
free of charge
free of charge
7.6. Change/cancellation of SIPO via Phonebanking
CZK 10
CZK 10
CZK 30
7.7. SIPO payments
CZK 3
CZK 5
CZK 6
8.1. Amount up to and including CZK 200
CZK 70
CZK 70

8.2. Amount from CZK 200 up to and including CZK 1,000
CZK 80
CZK 80

8.3. Amount from CZK 1,000 up to and including CZK 5,000
CZK 90
CZK 90

8.4. Amount from CZK 5,000 up to and including CZK 50,000
CZK 100
CZK 100

8.5. For each additional CZK 10,000
CZK 50
CZK 50

8.6. Payment by personal delivery
CZK 50
CZK 50

8.7. Payment on a certain day
CZK 50
CZK 50

9.1. Opening of automatic balance sweeping


free of charge
9.2. Change/cancellation of automatic balance sweeping


CZK 30
9.3. Received payment within framework of automatic balance sweeping


CZK 3
7.5. Change/cancellation of SIPO via Internet banking
8. Payment order to address
9. Automatic balance sweeping
8
Item name
9.4. Sent payment within framework of automatic balance sweeping
eKonto
Student


Separate current
accounts
CZK 3
10. Other
CZK 100 + actual
CZK 100 + actual
costs
costs
* In case that first payement date differs from second payement date, first payement is charged acording to 2.1.4.
10.1. Unauthorised correction/claims of received and sent payments in CZK
CZK 100 + actual
costs
* In case that first payement date differs from second payement date, first payement is charged acording to 2.2.4.
• Non-cash foreign payment system
Separate current
accounts
1. Received payments from abroad in foreign currency or in CZK, received payments in Czech Republic in foreign currency or in CZK to
foreign currency account
1 % of amount, min.
1 % of amount, min.
1 % of amount, min.
1.1. Received payment with BEN, SHA type fee*
CZK 300,
CZK 300,
CZK 500,
max. CZK 1,200
max. CZK 1,200
max. CZK 1,200
1.2. Received payment with OUR type fee*
free of charge
free of charge
free of charge
Item name
eKonto
Student
1.3. Received Europayment**
CZK 200
CZK 200
CZK 200


CZK 50
1.4. Received retirement pensions sent regularly from abroad
1.5. Received payment in CZK from Tatrabanka a.s.
free of charge


1.6. Unpaid fees by bank outside Czech Republic (in case of incoming
in full amount


OUR payment)
1.7. Received payment in CZK from another Czech bank credited to client's
CZK 150


foreign-currency account
1.8. Fee for urgent processing of received payment in foreign currency or
free of charge
free of charge
free of charge
in CZK from abroad or in foreign currency from another bank in the Czech
Republic
2. Received payments within Raiffeisenbank a.s.
2.1. Received intrabank foreign currency payments within
free of charge
free of charge
free of charge
Raiffeisenbank a.s.
3. Sent payments to foreign country in foreign currency or in CZK, sent payments in Czech Republic in foreign currency or in CZK from
foreign currency account
1 % of amount, min.
1 % of amount, min.
1 % of amount, min.
3.1. Sent payment with OUR, SHA type fee*
CZK 300, max. CZK CZK 300, max. CZK CZK 500, max. CZK
1,500
1,500
1,500
1 % of amount, min.
1 % of amount, min.
1 % of amount, min.
CZK 300, max.
CZK 300, max.
CZK 500, max.
3.2 Additional charge for outgoing payment EEA OUR ****
CZK 1,500
CZK 1,500
CZK 1,500
+ CZK 450 stated
+ CZK 450 stated
+ CZK 450 stated
OUR
OUR
OUR
3.3. Sent payment with BEN type fee*
free of charge
free of charge
free of charge
3.4. Sent Europayment**
3.5. Sent payment in CZK (after conversion) to the credit of a crown
account maintained at another bank in the Czech Republic
3. 6. Sent payment in EUR to Tatrabanka with SHA type fee
3.7. Sent payment in EUR to Tatrabanka OUR type fee (EEA OUR****)
3.8. Surcharge for urgent processing of sent payment in EUR and USD to
foreign country or to other bank in the Czech Republic
4. Sent payments within Raiffeisenbank a.s.
4.1. Sent intrabank foreign currency payment with conversion/without
conversion within Raiffeisenbank a.s. (not including payments described in
point 4.2)
4.2. Sent intrabank foreign currency payment without conversion between
accounts with pricing programme.
4.3. Sent payment with conversion within the framework of a single account
with a pricing programme
4.4. Sent payement within Raiffeisenbank a.s. stated for purchase of mutual
founds Raiffeisen on behalf of global account
5. Claims
5.1. First inquiry
CZK 220
CZK 220
CZK 220
CZK 150
CZK 150
CZK 500




CZK 50
CZK 50 + CZK 450
stated OUR
CZK 500
CZK 500

CZK 150
CZK 150
CZK 150
CZK 5
CZK 5

free of charge
free of charge

free of charge
free of charge
free of charge
CZK 500
+ actual costs
CZK 500
+ actual costs
CZK 500
+ actual costs
9
Item name
5.2. Second inquiry
eKonto
Student
CZK 500
+ actual costs
CZK 500
+ actual costs
CZK 300
CZK 1,500
+ actual costs
in full amount
(not including the fee
given in point 1.6)
free of charge
CZK 300
CZK 1,500
+ actual costs
in full amount
(not including the fee
given in point 1.6)
free of charge
Separate current
accounts
CZK 500
+ actual costs
6. Return/cancellation/correction of payment order
6.1. Return of payment from abroad
6.2. Cancellation/correction of payment order (upon prior agreement with bank)
7. Other banks' fees
8. Entering of accounts item
CZK 300
CZK 1,500
+ actual costs
in full amount
free of charge
9. Payment made after Cut-off time*** (only upon prior agreement with bank)
CZK 1,500


10. Express payment - reduced foreign exchange time (only upon prior
CZK 1,500


agreement with bank)
11. Surcharge for paper payment order
CZK 300
CZK 300
CZK 300
12. Surcharge for manual intervention (correction/completion) to errantly or
CZK 300
CZK 300
CZK 300
insufficiently completed payment order
*Fees according to instruction in foreign payment:
SHA - mandator pays its bank's fees, recipient pays its bank's fees and, as the case may be, the fees of other intermediary banks
BEN - recipient pays all fees, i.e. its bank's fees, mandator's bank's fees and, as the case may be, the fees of other intermediary banks.
OUR - mandator pays all fees, i.e. its bank's fees, recipient bank's fees and, as the case may be, the fees of other intermediary banks. Other banks'
charges depend on the fees of the intermediary banks and recipient's bank. For payment up to the equivalent of EUR 50 000 in EEA currencies to
EEA countries these charges are CZK 450.
** Payment according to Regulation of the European Parliament and Council No. 2560/2001 on cross-border payments in euros up to EUR 50,000
within framework of EEA countries with a valid, properly entered bank identification code (BIC), recipient's account number in IBAN form, SHA type
fee a without special processing requests.
*** The cut-off time is the deadline for entering a payment so that the date of the order's submission to the bank can correspond to the order due date.
**** In the event of a payment up to the equivalent of EUR 50 000 in currencies of the European Economic Area (EEA) to EEA countries with fee OUR.
Note: If the payment is made in EUR and both accounts ((that of the payer and that of the recipient) are in Euros and are held in a network bank, the
client fee for processing foreign payments is reduced by 20% and the value of the incoming payment is reduced. This applies only to independent
current accounts and the Gold Account.
• Cash operations
Item name
Item price
1. Over-the-counter cash deposit to crown account and to account with pricing programme
1.1. over the counter cash deposit
free of charge
1.2. over CZK 500,000 per day
1.3. Cash deposit to account maintained at Raiffeisenbank a.s. made by a third party (depositor is not owner or authorised user of account credited with deposited cash) up to CZK
500,000 per day
1.4 Acceptance of an ovet the counter loan inastalment in cash
no extra free
1.5. Credit card payment made in cash
CZK 55
CZK 50
CZK 50
2. Cash deposit over the counter to a foreign-currency account
2.1. over the counter cash deposit
free of charge
2.2. over an amount equivalent to CZK 500,000 per day
no extra free
3. EUR coin deposit (only in nominal value of 1 and 2 EUR) to the credit of an ac10 % of total deposited amount
count maintained at
Raiffeisenbank a.s.
4. Over-the-counter cash withdrawal from crown account and from account with pricing programme*
4.1. up to CZK 500,000 per day
CZK 60
CZK
60
per
item
+
0.15
% of total withdrawn amount
4.2. over CZK 500,000 per day
(fee can be requested when notifying of withdrawal)
4.3. withdrawal from Včelička savings account, from deposit book up to CZK 500,000 per day
CZK 60
CZK
60
per
item
+
0.15
% of total withdrawn amount
4.4. withdrawal from Včelička savings account, from deposit book over CZK 500,000 per day (fee can be requested when
notifying of withdrawal)
5. Cash withdrawal over the counter from a foreign-currency account*
2 EUR/3 USD/2 GBP/3 CHF/ in another currency equiva5.1. up to an amount equivalent to CZK 500,000 per day
lent to CZK 60 per item
2 EUR/3 USD/2 GBP/3 CHF/ in another currency equivalent
5.2. over an amount equivalent to CZK 500,000 per day
to CZK 60 per item + 0.15 % of total withdrawn amount (fee
can be requested when notifying of withdrawal)
5.3. Withdrawal from time deposit
free of charge**
10
Item name
Item price
free of charge
6. Entering of accounts item
7. Conversion of currency during a cash deposit or withdrawal (if account currency
1 %, min. CZK 50, max. CZK 2,500
is not the same as the transaction currency)
* The client is obliged to inform of a cash withdrawal over CZK 100,000 or over an equivalent amount at two business days before the day of
withdrawal.
** Does not apply for a premature withdrawal.
• Foreign exchange operations, operations with coins and banknotes
Item name
1. Purchase and sale of currencies
1.1. Purchase of currencies - only banknotes
1.2. Purchase of currencies - EUR coins (only nominal value of 1 and 2 EUR)
1.3. Sale of currencies - only banknotes
1.4. Cash conversion of currencies - only banknotes
Item price
2 % of amount of purchased amount, min. CZK 50,
max. CZK 2,500
10 % of amount of purchased amount
2 % of amount of purchased amount, min. CZK 50,
max. CZK 2,500
5 % of value of amount
2. Transactions with coins and banknotes
2.1. Cash handover
by agreement
2.2. Purchase of banknotes in preclusion
10 % of amount of purchased amount, min. CZK 50
2.3. Assessment of compensation for damaged tender in CZK (the bank does not purchase
10 % of amount of purchased amount
damaged tender in a foreign currency)
2.4. Exchange of CZK banknotes for coins and for banknotes of lower and higher
1.5 % of total amount, min. CZK 100, max. CZK 2,000
denominations (exchange must be informed of 2 business days in advance, notification
(fee can be requested when notification of exchange is made)
in writing can be requested)
2.5. Processing of sorted coins (request must be informed of 2 business days in advance,
for each counted 100 coins there is a CZK 20 charge
notification in writing can be requested)
2.6. Processing of non-sorted coins (request must be informed of 2 business days in
for each counted 100 coins there is a CZK 100 charge
advance, notification in writing can be requested)
3. Cash processing by security agency and cash handover in closed envelope
Fees are set individually by agreement.
3.1. Non-compliance with terms and conditions of agreement on cash deposit in closed
envelope during cash deposit of up to 1 million CZK
3.2. Non-compliance with terms and conditions of agreement on cash deposit in closed
envelope during cash deposit of over 1 million CZK
4. Notification of extreme cash withdrawal
4.1. Notification of cash withdrawal
4.2. Non-retrieval of notified cash withdrawal on agreed day, including change of date
4.3. Partial retrieval of notified cash withdrawal
CZK 500
CZK 700
free of charge
1 % of notified amount,
min. CZK 500
1 % of unretrieved amount
• Other operations
Item name
1. Fee for non-standard processing of transactions
Item price
CZK 1,000
2. Cash deposit in CZK over the counter - occasional clients
2.1. with crediting of account maintained at RSTS a.s.
2.2. with crediting of account maintained at other financial institution
CZK 100
CZK 100 + 1 % of deposited amount
3. Foreign payment system - occasional clients
3.1. Cash deposit over the counter of our bank for another payment to a crown or foreign
currency account at another bank
3.2. Cash payment over the counter at our bank after receiving payment from another bank
3.3. Cash payment over the counter at our bank after receiving pension payment from
another bank
2 % of amount, min. CZK 1,000
2 % of paid amount, min. CZK 1,000
CZK 100
4. Issuance of book of withdrawal receipts pertaining to client's account*
4.1. - 10 receipts
CZK 50 per book
4.2. - 20 receipts
CZK 100 per book
* This service applies only for separate current accounts and service packages and is provided only at select branches.
11
PAYMENT CARDS
• Debit cards (newly issued)
Separate current
accounts
eKonto
Student
1.1. VISA Electron, Maestro electronic debit cards
free of charge
free of charge
free of charge
1.2. VISA Classic, MasterCard Standard embossed debit cards
free of charge
free of charge
free of charge
1.3. Embossed cards VISA Gold or MasterCard Gold
free of charge
free of charge
free of charge
Item name
1. Issuance of renewal of account card
2. Card administration
CZK 350 per month
CZK 45/43/0/0 per
month¹)
CZK 65/60/40/0 per
month
CZK 350 per month
CZK 350 per month

CZK 15 per month
CZK 15 per month
2.1. VISA Electron, Maestro electronic debit cards
CZK 25 per month
2.2. VISA Classic, MasterCard Standard embossed debit cards
CZK 45 per month
2.3. Embossed cards VISA Gold or MasterCard Gold
2.4. MasterCard InternetCard
CZK 25 per month²)
CZK 45 per month
2.5. Card administration as part of the services package
free of charge


¹)Price List price/Basic/Extra/Premium.
²)No fee for card administration for first year
3. Additional services
3.1. Travel insurance for the holder and holder's family for VISA Classic,
CZK 50 per month
CZK 50 per month
CZK 50 per month
MC Standard, VISA Electron and Maestro cards
3.2. Travel insurance for holder and holder's family for Gold cards
free of charge
free of charge
free of charge
3.3. Travel insurance for the holder and holder's family in Kompletkonto Opfree of charge


timum and Gold konto packages
3.4. Membership in IAPA and Priority Pass programmes
CZK 900 annually¹)


27USD2)/person
3.5. Visit to VIP lounge as part of Priority Pass programme


(equivalent in CZK)
3.6. BASIC: Basic insurance against misuse of card in case of loss or theft
free of charge
free of charge
free of charge
for cards Gold/Business
3.7. BASIC: Basic insurance against misuse of card in case of loss or theft
CZK 15 per month
CZK 15 per month
CZK 15 per month
for another card except Gold/Business
3.8. PLUS: Optional insurance against misuse of card in case of loss or theft
limited up to CZK 100 000, data misuse in internet, insurance against loss
CZK 69 per month
CZK 69 per month
CZK 69 per month
theft os keys/documents/cell phone and forced withdrawal/robery in front
of ATM with limits CZK 4,000/5,000/6,000
¹)Only for Gold cards provided for separate current accounts and service packages maintained in a single currency.
2)
The fee is converted into the currency of the account for which the card is issued. VAT is added to the amount in the amount pursuant to the valid laws.
4. Transactions by card
4.1. Payment by card at a merchant in the Czech Republic or abroad
free of charge
free of charge
free of charge
4.2. Cash withdrawal by card
4.2.1. First two withdrawals from Raiffeisenbank ATM charged in the calendar
month
4.2.2. Third and additional withdrawals from Raiffeisenbank ATM charged in the
calendar month
free of charge2)
free of charge
free of charge
CZK 19,902)
CZK 9.90
CZK 9.90
4.2.3. Cash withdrawal from ATM of other bank in the Czech Republic
4.2.4. Cash withdrawal from ATM abroad
4.2.5. Manual Cash Advance
in satisfying loyalty conditions of eKonto Extra and eKonto Premium
charged transactions in calendar month
5. Other services for cards
1)
CZK 39.90
per item/
CZK 39.90
CZK 9.901)
CZK 100 + 0.5 % of CZK 100 + 0.5 % of CZK 100 + 0.5 % of
withdrawn amount
withdrawn amount
withdrawn amount
CZK 150 + 0.5 % of CZK 150 + 0.5 % of CZK 150 + 0.5 % of
withdrawn amount
withdrawn amount
withdrawn amount
CZK 39,90
2)
5.1. Card blocking
5.1.1. - permanent blocking of electronic card due to loss/theft of card
free of charge
free of charge
free of charge
5.1.2. - permanent blocking of embossed card due to loss/theft of card
5.1.3. - short-term blocking of card (including unblocking of card) - applies
for online transactions
5.1.4. - card blocking by virtue of distraint
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
5.1.5. Blocking/unblocking of card for Internet transactions
free of charge
free of charge
free of charge
5.2. Express issuing of card or PIN
12
Item name
5.2.1. Express issuing of card or (including PIN to card) with pick up in
person at a branch
5.2.2. Express issuing of newly generated PIN
Separate current
eKonto
Student
accounts
CZK 2,000/ 1. card
(including PIN), 2. and
CZK 2,000/ 1. card (including PIN), 2. and
other cards (including
other cards (including PIN) as part of package
PIN) as part of packCZK 1,000/card (including PIN)1)
age CZK 1,000/card
(including PIN)2)
CZK 1,000/1st PIN, 2 and other PIN as part of package CZK 500
5.3. Sending of card or PIN
5.3.1. Resending of card including additional material to address in the
Czech Republic by personal-delivery registered post. A courier service is
used for express cards
5.3.2. Sending of card including additional material abroad using courier
service
5.3.3. Resending of PIN by registered post to address in the Czech Republic.
A courier service is used for express-issued PINs.
5.3.4. Sending of PIN abroad using courier service
5.3.5. Resending of card or PIN to another branch (if it was already delivered to the originally requested branch)
5.4. Newly generated PIN for the card
CZK 200/package + delivery costs
CZK 200/package + delivery costs
CZK 200/package + delivery costs
CZK 200/package + delivery costs
CZK 200/package + delivery costs
CZK 250
5.5. Issuance of replacement card in the Czech Republic
CZK 250
5.6. Issuance of new card and PIN after blocking for reasons of loss or debth
CZK 500
5.7. Newly generated data on MasterCard Internetcard

CZK 250

free of charge
5.8. Request for Card limits change
CZK 250
CZK 50
5.9. Change in limits of MasterCard Internetcard
free of charge
5.10. Emergency services
5.10.1. Emergency cash issuance abroad
CZK 3,0002)
5.10.2. Issuance of Emergency Card (only with loss of embossed card)
CZK 4,000
5.11. Connection of second current account to settlement of foreign curfree of charge
rency transactions
5.12. Return of card held by Raiffeisenbank ATM upon client’s request3)
1)
within 3 business days
2)
within 2 days
3)
Payment Card is returned to cardholder only in case, if no reason for pick-up the card was found.
6. SMS service
CZK 3,0001)
CZK 4,0001)
2)
6.1. Service provisioning
6.2. Transaction confirmation by SMS
free of charge
CZK 4 per message
6.3. Transaction confirmation by SMS for VISA Gold, MC Gold cards
free of charge


CZK 1,000


see price list - Direct Banking chapter


7. Card locking (including MasterCard Internetcard)
7.1. Service activation for a newly issued card
7.2. Activation/deactivation/change of service settings via Internet banking
and GSM banking for cards already issued
7.3. Activation/deactivation/change of service settings via Phonebanking
or a branch for cards already issued
7.4. Card unlocking via Internet banking and GSM banking

free of charge

CZK 50
CZK 50

CZK 60/80
CZK 60/80

CZK 3.90
CZK 2.90
7.5. Card unlocking via Phonebanking or branch

CZK 13.90/33.90
7.6. Card locking via Internet banking and GSM banking

7.7. Card locking via Phonebanking or branch

CZK 10/30
7.8. Ascertaining card status (locked/unlocked)

free of charge
CZK 12.90/32.90
free of charge
• Credit cards
Item name
Item price
1. Card issuance
1.1. Issuance of VISA Classic, VISA Gold, VISA Extra, MC Animal Life main cards
1.2. Issuance of VISA Classic, VISA Gold, VISA Extra, MC Animal Life supplementary cards
free of charge
CZK 90
2. Card administration
2.1. Primary card administration
13
Item name
2.1.1. VISA Classic – total cash free turnover higher than CZK 3000 in the preceeding month
Item price
Free of charge
2.1.2 VISA Classic - total cash free turnover lower than CZK 3000 in the preceeding month
CZK 35 per month
2.1.3. VISA Gold
CZK 120 per month
2.1.4. VISA EXTRA - non-use
free of charge
2.1.5. VISA Extra - non-use
CZK 25 per month
2.1.6. MC Animal Life
CZK 45 per month
2.2. Administration of VISA Classic, VISA Gold, VISA Extra, MC Animal Life supplementary cards
free of charge
3. Additional services
3.1. Travel insurance for holder and holder’s family for VISA card
CZK 50 per month
3.2. Travel insurance for holder and holder’s family for VISA Gold card
free of charge
3.3. BASIC: Basic insurance against misuse of card in case of loss or theft for cards Gold/Business
free of charge
3.4. BASIC: Basic insurance against misuse of card in case of loss or theft for another card except Gold/Business
3.5. PLUS: Optional insurance against misuse of card in case of loss or theft limited up to CZK 100 000, data misuse
in internet, insurance against loss theft os keys/documents/cell phone and forced withdrawal/robery in front of ATM
with limits CZK 4,000/5,000/6,000
3.6. Insurance of ability to repay credit created in connection with use of credit card
4. Transactions by card
4.1. Payment by card at a merchant in the Czech Republic
or abroad
4.2. Withdrawal of cash from Raiffeisenbank ATM or ATM of other bank in the Czech Republic via VISA Gold, VISA
Classic and MC Animal Life
4.3. Withdrawal of cash from Raiffeisenbank ATM or ATM of other bank in the Czech Republic via VISA Extra
4.4 Withdrawal of cash from ATM of other bank in the Czech Republic via VISA Gold, VISA Classic, MC Animal Life
4.5. Cash withdrawal from ATM abroad via VISA Extra card, VISA Gold, VISA Classic, MC Animal Life
4.6. Manual Cash Advance
4.7 Cash withdrawal by card at a merchant (cash back) in the Czech Republic using VISA card
4.8. Entering of accounts item
5. Repayment - mandatory minimal instalment
CZK 15 per month
CZK 69 per month
0.25 % monthly*
free of charge
CZK 50 per withdrawal
CZK 79 per withdrawal
CZK 79 per withdrawal
CZK 100 + 1 %
CZK 80 + 1 %
CZK 10 per withdrawal
free of charge
3,5 % min. CZK 300
6. Other services
6.1. Replacement of card or issuance of new card
CZK 500
6.2. Reprint of PIN or issuance of new PIN
CZK 250
6.3. Over-the-counter pick up of PIN and/or card
free of charge
6.4. Sending of PIN and/or card by post
free of charge
6.5. Change in settings
6.5.1. Card limits
6.5.2. Due date
free of charge
CZK 50
6.6. Permanent blocking of card due to loss/theft of card
free of charge
6.7. Temporary blocking of card (including unblocking of card)
free of charge
6.8. Issuance of Emergency Card abroad in the case of loss/theft/damage of card
6.9. Issuance of Emergency Cash abroad in the case of loss/theft/damage of card
6.10. Blocking/unblocking of card for internet transactions
CZK 4,000
CZK 3,000
free of charge
7. SMS service
7.1. Service provisioning
7.2. Transaction confirmation by SMS
7.3. Transaction confirmation by SMS for card VISA Gold
free of charge
CZK 4 per message
free of charge
8. Formal notice to pay debt
8.1. – 1st notice
CZK 300
8.2. – 2nd notice
CZK 500
8.3. – 3rd notice
CZK 1,000
8.4. Contractual penalty for breach of contract
CZK 5,000
8.5.. Exceeding of credit limit
CZK 200
8.6. Exceeding of due date
CZK 250
* The fee is calculated from the actual owed amount in a given month.
14
• Partner credit cards
Item name
Item price
1. Card issuance
1.1. Issuance of VISA Fischer, MC United Auto Assistance, BILLA main cards, payement card, VISA Uniqa main cards
1.2. Issuance of supplementary card BILLA payement card, VISA Uniqa loyalty card
free of charge
CZK 90
2. Card administration
2.1. VISA Fischer, MC United Auto Assistance Credit card
2.2. MC United Auto Assistance credit card
CZK 35 per month
free of charge
2.3. VISA Uniqa loyalty card, BILLA payement card
2.3.1. Total cash turnover higher than CZK 3000 inpreceeding month
2.3.2. Total cash turnover less than CZK 3000 in proceeding month
2.4. Supplementary card administration BILLA payement card, VISA Uniqa
free of charge
CZK 35 per month
free of charge
3. Additional services
3.1. Travel insurance for the holder and holder's family for VISA Fischer, MC United Auto Assistance Credit card
3.2. BASIC: Basic insurance against misuse of card in case of loss or theft for cards Gold/Business
3.3. BASIC: Basic insurance against misuse of card in case of loss or theft for another card except Gold/Business
3.4. PLUS: Optional insurance against misuse of card in case of loss or theft limited up to CZK 100 000, data misuse
in internet, insurance against loss theft os keys/documents/cell phone and forced withdrawal/robery in front of ATM
with limits CZK 4,000/5,000/6,000
3.5. Insurance of ability to repay credit created in connection with use of credit card
4. Transactions by card
4.1. Payment by card at a merchant in the Czech Republic
or abroad
4.2. Withdrawal of cash from Raiffeisenbank ATM or ATM of other bank in the Czech Republic via VISA Gold, VISA
Classic and MC Animal Life
4.3. Withdrawal of cash from Raiffeisenbank ATM or ATM of other bank in the Czech Republic via VISA Extra
4.4. Withdrawal of cash from ATM abroad via VISA Gold, VISA Classic and MC Animal Life
4.5. Cash withdrawal from ATM abroad via VISA Extra card, VISA Gold, VISA Classic, MC Animal Life
4.6. Manual Cash Advance
4.7 Cash withdrawal by card at a merchant (cash back) in the Czech Republic using VISA card
4.8. Entering of accounts item
5. Payement - mandatory minimal instalment
CZK 50 per month
free of charge
CZK 15 per month
CZK 69 per month
0.25 % monthly*
free of charge
CZK 50 per withdrawal
CZK 79 per withdrawal
CZK 79 per month
CZK 100 + 1 %
CZK 80 + 1 %
CZK 10 per withdrawal
free of charge
3,5 % min. CZK 300
6. Other services
6.1. Replacement of card or issuance of new card
CZK 500
6.2. Reprint of PIN or issuance of new PIN
CZK 250
6.3. Over-the-counter pick up of PIN and/or card
free of charge
6.4. Sending of PIN and/or card by post
free of charge
6.5. Change in settings
6.5.1. Card limits
6.5.2. Due date
free of charge
CZK 50
6.6. Permanent blocking of card due to loss/theft of card
free of charge
6.7. Temporary blocking of card (including unblocking of card)
free of charge
6.8. Issuance of Emergency Card abroad in the case of loss/theft/damage of card
6.9. Issuance of Emergency Cash abroad in the case of loss/theft/damage of card
6.10. Blocking/unblocking of card for internet transactions
CZK 4,000
CZK 3,000
free of charge
7. SMS service
7.1. Service provisioning
7.2. Transaction confirmation by SMS
7.3. Transaction confirmation by SMS for card VISA Gold
free of charge
CZK 4 per message
free of charge
8. Formal notice to pay debt
8.1. – 1st notice
CZK 300
8.2. – 2nd notice
CZK 500
8.3. – 3rd notice
CZK 1,000
15
Item name
Item price
8.4. Contractual penalty for breach of contract
CZK 5,000
8.5. Exceeding of credit limit
CZK 200
8.6. Exceeding of due date
CZK 250
* The fee is calculated from the actual owed amount in a given month.
• Cards with loyalty program Exclusive
Item name
Item price
1. Card issuance
1.1. Issuance of main card - VISA Generali loyalty payment card, Exclusive, Exclusive with Standa
1.2. Issuing of additional card – Exclusive loyalty payment card, Exclusive with Standa
free of charge
CZK 90
2. Card administration
2.1. Primary card administration
2.1.1 First year
2.1.2 Second year – total cash free turnover higher than CZK 3000 in the preceeding month
free of charge
Free of charge
2.1.3 Second year - total cash free turnover lower than CZK 3000 in the preceeding month
CZK 35 per month
2.2. Additional card administration - Exclusive loyalty payment card, Exclusive with Standa
Free of charge
3. Additional services
3.1. Travel insurance for holder and holder's family
3.2. BASIC: Basic insurance against misuse of card in case of loss or theft for cards Gold/Business
3.3. BASIC: Basic insurance against misuse of card in case of loss or theft for another card except Gold/Business
3.4. PLUS: Optional insurance against misuse of card in case of loss or theft limited up to CZK 100 000, data
misuse in internet, insurance against loss theft os keys/documents/cell phone and forced withdrawal/robery in front
of ATM with limits CZK 4,000/5,000/6,000
3.5 Insurance of ability to repay credit created through card use
3.6 Loyalty payment card VISA Generali, Exclusive, Exclusive with Standa
4. Transactions by card
4.1. Payment by card at a merchant in the Czech Republic
or abroad
4.2. Withdrawal of cash from Raiffeisenbank ATM or ATM of other bank in the Czech Republic via VISA Gold, VISA
Classic and MC Animal Life
4.3. Withdrawal of cash from Raiffeisenbank ATM or ATM of other bank in the Czech Republic via VISA Extra
4.4. Withdrawal of cash from ATM abroad via VISA Gold, VISA Classic and MC Animal Life
4.5. Cash withdrawal from ATM abroad via VISA Extra card, VISA Gold, VISA Classic, MC Animal Life
4.6. Manual Cash Advance
4.7 Cash withdrawal by card at a merchant (cash back) in the Czech Republic using VISA card
4.8. Entering of accounts item
5. Payement - mandatory minimal instalment
CZK 50 per month
free of charge
CZK 15 per month
CZK 69 per month
0,25% monthly*
free of charge
CZK 50 per withdrawal
CZK 79 per withdrawal
CZK 79 per month
CZK 100 + 1 %
CZK 80 + 1 %
CZK 10 per withdrawal
free of charge
3,5 % min. CZK 300
6. Other services
6.1. Replacement of card or issuance of new card
6.2. Reprint of PIN or issuance of new PIN
CZK 500
CZK 250
6.3. Over-the-counter pick up of PIN and/or card
free of charge
6.4. Sending of PIN and/or card by post
free of charge
6.5. Change in settings
6.5.1. Card limits
6.5.2. Due date
free of charge
CZK 50
6.6. Permanent blocking of card due to loss/theft of card
free of charge
6.7. Temporary blocking of card (including unblocking of card)
free of charge
6.8. Issuance of Emergency Card abroad in the case of loss/theft/damage of card
6.9. Issuance of Emergency Cash abroad in the case of loss/theft/damage of card
6.10. Blocking/unblocking of card for internet transactions
CZK 4,000
CZK 3,000
free of charge
7. SMS service
7.1. Service provisioning
16
free of charge
Item name
7.2. Transaction confirmation by SMS
7.3. Transaction confirmation by SMS for card VISA Gold
Item price
CZK 4 per message
free of charge
8. Formal notice to pay debt
8.1. – 1st notice
CZK 300
8.2. – 2nd notice
CZK 500
8.3. – 3rd notice
CZK 1,000
8.4. Contractual penalty for breach of contract
CZK 5,000
8.5. Exceeding of credit limit
CZK 200
8.6. Exceeding of due date
CZK 250
* The fee is calculated from the actual owed amount in a given month.
17
DIRECT BANKING
• Direct banking services
eKonto
Student
free of charge
free of charge
Separate current
account
free of charge
CZK 90*
free of charge
CZK 80
3. Service cancellation
free of charge
free of charge
free of charge
4. GSM service blocking
5. Activation - of second and additional GSM banking/after blocking/
after cancellation
6. GSM setting change
free of charge
free of charge
free of charge
CZK 50 per account
CZK 50 per account
free of charge
CZK 50 per account
CZK 50 per account
free of charge
7. Use of phonebanking
CZK 10 for each phonebanking operation **
* Service price when not fulfilling the loyalty benefits. Fees for service administration are described in first chapter of Pricelist..
** Prices in the chapter Non-cash domestic payment system include this fee.
free of charge
Item name
1. Service activation
2. Service administration
• Security elements
Mobile Electronic key
free of charge
free of charge
Separate current
account

2. Setting change
CZK 50 per account
CZK 50 per account

3. Activation - after blocking/after cancellation
CZK 50 per account
CZK 50 per account

CZK 100
CZK 100

Item name
1. Access to an account
4. Regeneration of I-PIN and T-PIN
5. Regeneration of B-PUK ***
6. Cancellation
eKonto
Student
CZK 100
CZK 100

free of charge
free of charge

eKonto
Student
CZK 89 monthly per
account
free of charge
CZK 89 monthly per
account
free of charge
Separate current
account
Personal electronic key
Item name
1. Access to an account
2. First issuance


3. Issuance of second and additional after blocking/loss/cancellation
CZK 50
CZK 50

4. Loss, theft, damage of Personal Electronic Key
CZK 600
CZK 600

5. Unblocking after incorrectly entered PIN (3x)
CZK 50
CZK 50

6. Substitution of blocked Personal Electronic Key
CZK 200
CZK 200

free of charge
free of charge

CZK 200
CZK 200

free of charge
free of charge

Item name
eKonto
Student
1. Renewal of Personal Certificate to account (1-year validity)
CZK 200
CZK 200
Separate current
account

2. Blocking of Personal Certificate
CZK 200
CZK 200

3. Activation of Personal Certificate after blocking
CZK 50
CZK 50

free of charge
free of charge

7. Synchronisation by phone banker
8. Blocking of Personal Electronic Key (in the case of loss, theft, misuse)
upon client's request
9. Access cancellation and return
Internet Electronic key
4. Cancellation of Personal Certificate
18
Passwords and certificates
eKonto
Student
1. Issuance of passwords and certificate for Internet banking


Separate current
account
free of charge
2. Issuance of new login password to Internet banking or renewal


free of charge
3. Issuance of passwords to Phonebanking
4. Sending of replacement set of one-use transaction passwords (upon
client’s request) for Phonebanking
5. Change of login password to Phonebanking


free of charge


free of charge


free of charge
eKonto
Student
1. Sending security, authentication or certification code via SMS
free of charge
free of charge
Separate current
account
free of charge
2. Sending requested message via SMS
CZK 4
CZK 4 free of
charge**
CZK 24
CZK 3
CZK 4
free of charge**
free of charge
CZK 24

5. Sending requested message via fax, post with bank confirmation
CZK 44
CZK 44

6. Setting of Infoservis or “Inform me” service via Internet banking
free of charge
free of charge
free of charge
Item name
• Other
Item name
3. Sending requested message via e-mail
4. Sending requested message via fax, post
7. Setting of Infoservis or “Inform me” service via Phonebanking
CZK 10
CZK 10
free of charge
8. Setting of Infoservis or “Inform me“ service via branch
CZK 30
CZK 30
free of charge


free of charge
9. Recharging of O2 prepaid card
* Only older SIM from T-Mobile
** By additional confirmation request of the transaction realization the fee according the pricelist valid to the date of the transaction realization.
19
CREDIT PRODUCTS
• Quick loan
Item name
1. Acceptance and assessment of application
2. Provision of loan
3. Use and administration of loan
4. Exceptional repayment (premature principal repayment)
5. Over-the-counter loan repayment in cash
6. Change in loan documentation based on client’s suggestion
Item price
free of charge
1 % of provided loan (min. CZK 500 max. CZK 5,000)
CZK 99 per month
4 % of amount of extraordinary repayment*
CZK 50
CZK 2,000
7. Type A insurance
free of charge
8. Type B insurance
CZK 60 per month****
9. Type C insurance
CZK 84 per month****
10. Formal notice to pay debt
10.1. – 1st notice
CZK 300
10.2. – 2nd notice
CZK 500
10.3. – 3rd notice
11. Contractual penalty for breach of contract conditions
CZK 1,000
up to 1 % from amount of unpaid principle
**** The fee is CZK 0 for Quick loans provided since 1 Oct 2005 till 31 Jan 2006, since 1 Sep 2008 till 31 dec 2008 and since 1 may 2009 till 30 Jun 2009
• Personal universal loan
Item name
1. Reception and assessment of application
2. Provision of loan
3. Use and administration of loan
4. Exceptional repayment (premature principal repayment)
5. Over-the-counter loan repayment in cash
6. Change in loan documentation based on client’s suggestion
Item price
free of charge
1 % of provided loan, min. CZK 500, max CZK 5,000
CZK 99 per month
4 % of amount of extraordinary repayment
CZK 50
CZK 2,000
7. Type A insurance
free of charge
8. Type B insurance
CZK 60 per month
9. Type C insurance
CZK 84 per month
10. Formal notice to pay debt
10.1. – 1st notice
CZK 300
10.2. – 2nd notice
CZK 500
10.3. – 3rd notice
CZK 1,000
11. Countractua penalty for breach of contract conditions
up to 1 % from amount of unpaidprinciple
• Low repayment - loans consolidation
Item name
Item price
1. Reception and assessment of application
free of charge
2. Provision of loan
free of charge
3. Use and administration of loan
4. Exceptional repayment (premature principal repayment)
5. Over-the-counter loan repayment in cash
6. Change in loan documentation based on client’s suggestion
1 % of provided loan (min. CZK 500, max. CZK 5,000)
4 % of amount of extraordinary repayment**
CZK 50
CZK 2,000
7. Type A insurance
free of charge
8. Type B insurance
CZK 60 per month
9. Type C insurance
CZK 84 per month
10. Formal notice to pay debt
20
Item name
Item price
10.1. – 1st notice
CZK 300
10.2. – 2nd notice
CZK 500
10.3. – 3rd notice
11. Contractual penalty for breach of contract conditions
CZK 1,000
up to 1 % from amount of unpaid principle
** The fee is CZK 0 for Quick loans provided since 1 Sep 2008 till 31 Dec 2008 and since 1 May 2009 till 30 Jun 2009
• Special-purpose loan
Item name
Item price
1. Reception and assessment of application
1 % provided loan (min. CZK 500, max. CZK 5,000)
2. Provision of loan
1 % provided loan (min. CZK 500, max. CZK 5,000)
3. Use and administration of loan
4. Exceptional repayment (premature principal repayment)
5. Over-the-counter loan repayment in cash
6. Change in loan documentation based on client's suggestion
CZK 150 per month
free of charge
CZK 50
CZK 2,000
7. Formal notice to pay debt
7.1. - 1st notice
CZK 300
7.2. - 2nd notice
CZK 500
7.3. - 3rd notice
8. Contract counditions
CZK 1,000
up to 1 % from amount of unpaid principle
9. Insurance on ability to repay
9.1. Type A insurance
free of charge
9.2. Type B insurance
9.2.1. Loan up to and including CZK 200,000
CZK 199
9.2.2. Loan up to and including CZK 500,000
CZK 359
9.2.3. Loan up to and including CZK 1,000,000
CZK 729
9.2.3. Loan up to and including CZK 2,000,000
CZK 1,449
9.3. Type C insurance
9.3.1. Loan up to and including CZK 200,000
CZK 199
9.3.2. Loan up to and including CZK 500,000
CZK 359
9.3.3. Loan up to and including CZK 1,000,000
CZK 729
9.3.3. Loan up to and including CZK 2,000,000
CZK 1,449
• Loan at a click
Item name
1. Reception and assessment of application
2. Provision of loan
3. Use and administration of loan
4. Exceptional repayment (premature principal repayment)
5. Change in loan documentation based on client's suggestion
Item price
free of charge
1 % of provided loan (min. CZK 500, max. CZK 5,000)
CZK 99 per month
4 % of amount of extraordinary repayment***
CZK 1,000
6. Type A insurance
free of charge
7. Type B insurance
CZK 60 per month
8. Type C insurance
CZK 84 per month
9. Formal notice to pay debt
9.1 1st notice
CZK 300
9.2 2st notice
CZK 500
9.3 3st notice
10. Contractual penalty for breach of contract conditions
CZK 1,000
1 % provided loan (min. CZK 500, max. CZK 5 000)
**** For Loan at a click provided since 1 Feb 2009
21
• Mortgages
Item name
Item price
1. Loan preparation
1.1. Reception and assessment of application
free of charge
1.2. Application processing
1.3. Acquisition of a statement from credit registers by remote access when processing an
estimate
2. Provision of loan
2.1. Provision of mortgage loan including the option of drawing down for a proposal for an entry
of a lien on real estate
free of charge
2.2. Provision of EQUI and FLEXI mortgage loan
2.3. Fee for interest rate guarantee
CZK 150*
free of charge
3 % of amount of loan, min. CZK 9,000, max. CZK
150,000
up to 1 month: CZK 0, up to
3 months: 0.3% of the amount of the loan for 3-year fixing,
0.5% for 5-year fixing, 0.7% for 7-year fixing
3. Loan administration
3.1. Mortgage loan administration
3.2. Administration of Klasik Plus unsecured loan
3.3. Mortgage loan administration with state support higher than zero percent - this applies for
which a state subsidy agreement was concluded before or on 31 Dec 2005
3.4. Drawing down of mortgage loan - does not apply to EQUI and FLEXI mortgage loans
3.5. Draw down of EQUI and FLEXI mortgage loan
3.6. Incomplete use of loan
CZK 150 per month**
CZK 150 per month
CZK 150 per month
CZK 500 for the fifth and each additional draw down
CZK 1,000 the second and each additional draw down
free of charge
3.7. Processing of Internal Assessment by bank employee
CZK 2,000
3.8. Acquisition of document from land registry via remote access (e.g. ownership deed,
CZK 100 per page*
survey copy)
3.9. Processing of request for extraordinary instalment of mortagoge to program Zelená
CZK 2,000
úsporám (due to date of extraordinary instalment)
Fees according to point 3.1., 3.2 and 3.3 are charged at the start of the month in which the drawing of the loan begins.
4. Change in contractual terms and conditions by client
4.1. Change in borrower/client individual
CZK 3,000
4.2. Real estate lien, waiver of the right of lien on real estate (does not apply in cases in
0.4% of the loan balance as of the day the application is
which the change is processed in advanced in the loan agreement)
submitted, min. CZK 5,000, max. CZK 10,000
4.3. Change in type of repayment from separate to annuity upon the client's request
free of charge
4.4. Shortening of credit maturity in case of extraordinary partial instalment done according
free of charge
to the agreement or product conditions
4.5. Charge in contractual documents due to extraodrdinary instalment or incomplete use of
free of charge
loan Stabilita and Stabilita invest
4.6. Change in other contractual terms and conditions by client
CZK 3,000
The fee is payable no later than the date the amendment or other document, in which the changed is executed, is signed.
5. Administration of loan account and mortgage
free of charge
current account
5.1. Loan account statement (1 x per year)
free of charge
5.2. Loan account statement for period less than 1 year
CZK 19
5.3. Special-request loan account statement at different interval upon client's request
5.4 Non-implemented reported one-off instalment due to insufficient funds in the client’s account
6. Sending of information on paid interest
CZK 100
6.1. Confirmation of interest paid from mortgage loan issued by bank (1x year)
6.2. Confirmation of interest paid issued upon client's request
CZK 1,000
free of charge
CZK 250*
7. Fee for assets reservation
7.1. Fee for assets reservation if term for drawing loan is prolonged
1.5 % p.a. of amount that was not, after the beginning of
credit, drawn in the originally agreed term
8. Fees for non-compliance with the terms and conditions of the agreement
(does not apply for EQUI and FLEXI mortgage loans)
8.1. Sending of written reminder, notice regarding non-payment/non-compliance with contractual terms and conditions
8.1.1. – 1st reminder, notice (if obligation after maturity is more than CZK 300)
CZK 500
8.1.2. – 2nd reminder, notice
CZK 800
22
Item name
Item price
8.1.3. – 3rd reminder, notice
CZK 1,000
8.2. Personal meeting with client in order to resolve a delay with repayment
8.2.1. – at the bank
CZK 1,000
8.2.2. – not at the bank
CZK 5,000
8.3. Concluding a settlement agreement in written
CZK 1,000
8.4. Sale of a receivable if borrower is in default of payment
CZK 2,000
8.5. Executing a lien
9. Fees for non-compliance with the terms and conditions
- for EQUI and FLEXI mortgage loans
9.1. Sending of written reminder, notice regarding non-payment/non-compliance with
contractual terms and conditions
9.1.1. 1st reminder (if obligation after maturity is more than CZK 300)
CZK 5,000
9.1.2. 2st reminder
CZK 1,500
9.1.3. 3st reminder
CZK 2,000
9.2.2. - not at the bank
CZK 5,000
9.3. Concluding a settlement agreement in written
CZK 2,000
9.4. Sale of receivable if borrower is in default of payment
CZK 2,000
9.5. Executing a lien
CZK 5,000
CZK 1,000
If the acts in items 9.2 and 9.3 are carried out repeatedly in the course of 12 calendar months, the fee doubles.
Unless otherwise specified, a loan account is considered American Universal Loan, American Loan, as well as Variable Loan and Klasik Plus (nonsecured credit) and Minimax mortgage
* The fee includes VAT in the amount of valid law prescripts.
Valid also for mortgage credits agreements concluded with eBanka a.s. seat Na Příkopě 19, Praha 1, IČ. 00562246
**For loans agreements concluded before and on 31 Jan 2008 with a fee of CZK 450 the original amount of the loan administration fee applies for the period of 5 years from the signing of the agreement, followed by a CZK 150 fee per month.
• Authorised debit *
Item name
1. Reception and assessment of application
2. Provision of Authorised debit
3. Use of Authorised debit**
4. Cancellation of Authorised debit
Item price
free of charge
CZK 200
CZK 50 per month***
free of charge
5. Change in Authorised debit settings based on client's suggestion
CZK 200
6. Change in loan documentation based on client's suggestion
7. Sending of bank reminder or notice regarding non-performance of terms and conditions
of loan
7.1. 1st reminder (if obligation after maturity is more than CZK 300)
CZK 200
CZK 200
7.2. 2st reminder
CZK 500
7.3. 3st reminder
CZK 1,000
8. Contractual penalty for transfered unauthorized negative balance****
CZK 200
* Permitted overdraft of eKonto and Student price programmes and price programmes no longer provided
** For transactions concluded up to 28 February 2005 the operation title “Holding and Management of Credit” was used.
*** In the case of utilisation of the permitted debit in the month in question.
**** Contractual penalty only for business concluded since 22 August 2007
• Bank overdraft *
Item name
1. Reception and assessment of application
2. Provision of bank overdraft
Item price
free of charge
CZK 200
3. Bank overdraft administration
CZK 20 per month
4. Cancellation of bank overdraft
free of charge
5. Change in bank overdraft settings based on client's suggestion
CZK 200
6. Change in loan documentation based on client's suggestion
CZK 200
23
Item name
7. Sending of bank reminder or notice regarding non-performance of terms and conditions
of loan
7.1. 1st reminder (if obligation after maturity is more than CZK 300)
Item price
CZK 200
7.2. 2st reminder
CZK 500
7.3. 3st reminder
CZK 1,000
8. Contractual penalty for transfered unauthorized negative balance
CZK 200
* Authorised overdrawing of separate current crown account, Gold konto and product packages no longer provided.
• Transfered Unauthorized negative balance
Item name
1. Transfer Unauthorized negative balance to instalements
2. Use and credit administration
3. Extraordinary instalment (permature principal repayment)
Item price
CZK 200
CZK 99 per month
free of charge
4. Sending of bank reminder or notice regarding non-performance of terms and conditions
4.1. 1st notice
CZK 300
4.2. 2st notice
CZK 500
4.3. 3st notice
CZK 1,000
24
INVESTING
• Raiffeisen mutual funds
Item name
Item price
1. Entrance fee
according to fund type*
2. Administration fee
according to fund type*
3. Fee for change of fund
according to fund type*
4. Redemtion fee
free of charge
* Specific amount is available at www.rb.cz
• ČP Invest mutual funds
Item name
1. Entrance fee
Item price
according to fund type*
2. Administration fee
according to fund type*
4. Redemtion fee
according to fund type*
* Specific amount is available at www.rb.cz
• Premium deposits and Structured bonds
Item name
Item price
1. Opening
free of charge
2. Termination
free of charge
• Other
For information concerning prices of portfolio management services (investment up to CZK 5 million ) contact the Portfolio Management Department, tel.: +420
221 141 811, e-mail: [email protected]
In other investment banking matters, contact the Brokerage Services Department, tel.: +420 221 141 827, e-mail: [email protected], or Treasury Corporate Sales tel.:
+420 221 141 885, e-mail: [email protected]
25
OTHER SERVICES
• Cheques
Cheques - collection on cheques issued by another bank
Item name
1. Owners of accounts maintained at Raiffeisenbank a.s.
1.1. For each submitted cheque the account balance is required (depending on the cheque amount) to cover foreign bank costs
1.2. Collection on cheques payable abroad
1.3. Collection on cheques payable in the Czech Republic
1.4. Payment of bank cheques payable at Raiffeisenbank a.s.
1.5. Collection on a cheque with
a negative result
1.6. Retirement pensions sent regularly from abroad by cheque
2. Claims on cheques
eKonto
Student
Separate current
accounts


min. CZK 1,000
1% of the amount of 1 % of the amount of 1 % of the amount of
the cheque, min. CZK the cheque, min. CZK the cheque, min. CZK
500
500
500
1% of the amount of 1 % of the amount of 0.25 % of the amount
the cheque, min. CZK the cheque, min. CZK of the cheque, min.
500
500
CZK 500
0.25% of the amount
of the cheque, min.


CZK 500
CZK 500
CZK 500
CZK 500
+ actual costs
+ actual costs
+ actual costs
CZK 50


CZK 500
CZK 500
CZK 500
+ actual cost + foreign + actual cost + foreign + actual cost + foreign
bank fees
bank fees
bank fees
• Documentary business – Real Estate Letter of Credit
Item name
Item price
1. Opening
0.4 % from L/C value for the first 3 months of L/C
validity 0.1 % for each subsequent month, min.
CZK 1,000 p.m.
as per agreement
1.1. L/C amount up to CZK 5,000,000
1.2. L/C amount from CZK 5,000,001
2. Amendment
2.1. per formal amendment, cancellation of L/C
2.2. extension and/or increase of L/C
3. Deferred Payment
4. Discrepancy fee*
CZK 1,000
0.1 % p.m., min. CZK 1,000 p.m.
0.1 % from value of documents for each
30 days of deferred payment or part of this period min.
CZK 1,000 p.m.
CZK 1,000
5. Courier service
real costs
*L/C beneficiary is charged for discrepancy fee for each set of documents which is not fully in compliance with L/C terms and conditions.In case that
L/C is issued with Raiffeisenbank a.s. Praha and advised directly to beneficiary, beneficiary will be charged for administration fee in the amount of
CZK 1,000.
• Change in account services*
Item name
1. Signature specimen (right of disposal) - setup, change and cancellation
2. Change to account's basic parameters (e.g. account for interest, account
for fees)
* Fees are only charged for eKonto and Student accounts.
26
Via Internet
banking

Via
Phonebanking

free of charge
CZK 10
At a branch
CZK 30
CZK 30
• Statements
Account statements
Item name
1. Issuing on account statement
free of charge
Separate current
account
free of charge
free of charge
free of charge
CZK 10
free of charge
eKonto, Student
2. Changing in statement setting
2.1. via Internet banking
2.2. via Phonebanking
3. Sending of statement
3.1. - electronically*
3.2. - by post to the Czech Republic
3.3. - by post to a foreign country
4. Over-the-counter delivery of statement
free of charge

CZK 20 per stateCZK 20 per statement
ment**
CZK 20 per statement CZK 50 per statement
CZK 50 per statement

5. Duplication of account statement
5.1. - over the counter
CZK 130 per statement CZK 100 per statement
5.2. - extraordinary sent
CZK 100 per statement
6. Extraordinary statement of account drawn up upon the client’s request

CZK 300 per statement

7. Sending of particular via fax - to Czech Republic

CZK 50 per fax
8. Sending of particular via fax - to a foreign country

CZK 100 per fax
*This service can only be provided for the eKonto and Student accounts.
** This only applies outside the period set for the Gold konto.
Statements of card transactions
Item name
Item price
1. Debit payment cards*
1.1. Issuing a monthly statements of card transactions (including sending by post to address in the Czech Republic)
CZK 20 per statement
1.2. Issuing a monthly statements of card transactions (including sending by post to address abroad)
1.3. Issuing duplicate or one-time generating of statement of card transactions (including sending by post to address
in the Czech Republic or abroad)
2. Credit cards
CZK 30 per statement
CZK 50 per statement
2.1. Issuing a monthly statement of card transactions (including sending by post to address in the Czech Republic)
free of charge
2.2. Issuing duplicate of card transactions statement (including sending by post to address in the Czech Republic)
CZK 50 per statement
* This service can be provided for Separate Current Accounts and the Gold konto.
• Confirmation
Item name
Item price
1. Confirmation of payment of withholding tax on interest
2. Issuance of confirmation (namely Confirmation of maintaining an account, Confirmation of the account's balance,
Confirmation of payment transactions and others, unless otherwise explicitly given in the price list)
3. Confirmation necessary for the police, immigration police and auditing purposes
CZK 1,000*
4. Surcharge for immediate issue of confirmation
5. Bank information provided upon client's request, bank references
6. Information on the account's balance (only on the basis of
a separate agreement)
* Fee including VAT according valid law prescripts
CZK 100*
min. CZK 1000*
CZK 100*
min. CZK 500*
CZK 50 per phone call*
27
• Lease of safe-deposit boxes*
Item name
1. Lease of safe-deposit boxes (by size of safe-deposit box)
2. Security deposit for keys (returned to client when contract is cancelled)
Item price
CZK 5,000 - CZK 10,000
annually
CZK 1,000
* This service is provided at select branches.
• Use of night depository*
Item name
1. Fee for use of night depository (does not include cash processing)
Item price
By agreement
*This service is provided at select branches.
• Telecommunications operations
Item name
eKonto, Student
1. Regular domestic mail *
CZK 20
2. Regular mail abroad*
CZK 24
3. Registered domestic mail *
CZK 39
4. Registered mail abroad*
CZK 39
5. Domestic fax services – A4 page *
CZK 20
6. Fax services to a foreign country – A4 page *
7. Telephone services in the Czech Republic (1-minute call)*
CZK 94
free of charge
8. Telephone services in Europe (1-minute call)*
CZK 20
9. Telephone services outside of Europe (1-minute call)*
CZK 80
10. SWIFT for an “N” type message *
CZK 100
11. SWIFT for a “U” type message *
CZK 150
12. Courier service*
13. E-mail
actual incurred costs
free of charge
* This fee includes VAT pursuant to the valid laws. The invoice shall be issued upon the client's request.
• Fax communication
Item name
1. Payment order submission by fax
Separate current
accounts
CZK 100 per fax
2. Sending of document by fax - in the Czech Republic
CZK 50 per fax*
3. Sending of document by fax - to a foreign country
CZK 100 per fax*
* Fee including VAT according valid law prescripts
• Other
Item name
Item price
1. Negative balance - setting/cancellation
CZK 200
2. Fee for delay in settlement of unauthorized debit
CZK 200
3. Formal notice to pay debt
3.1. 1st notice
CZK 200
3.2. 2st notice
CZK 500
3.3. 3st notice
CZK 1,000
5. Formal notice to comply with agreement's terms and conditions
CZK 100
5. Handover of receivable for external collection
6. Request for provision of overview of information processed by the bank on the client in accordance with Act no.
101/2000 Coll.
6.1. - 1. request
CZK 800
28
CZK 100
Item name
Item price
6.2. - 2. request
CZK 500
CZK 200 (for every com7. Non-standard services (payment inquiries, search of documents) and other services not mentioned in the Schedule. menced 15 minutes) + actual
cost
8. Unjustified claims of operations (excluding payment cards)
CZK 250
9. Fee charged for assessment of risk related to real-estate
separately
• General Provisions
1. This Price List of Products and Services for Private Parties fully replace the previous Schedule of Charges for private parties issued by Raiffeisenbank a.s.
2. This price list of products and services for private parties contains fees that apply only to standard transactions.
3. Fees charges to clients can be set individually in the Agreement with the client and may differ from the fees listed in this price list.
The prices of products and service of eBanka, a.s. that are not included in this Price List and were agreed by eBanka, a.s. and the client prior
to 7 July 2008 are available to clients in eKonto Internet banking. Prices published at the Publically accessible website (see definition of this
term in the General Business Terms and Conditions of Raiffeisenbank a.s.) and available at Raiffeisenbank a.s. branches apply for agreements
on the provision of products offered by Raiffeisenbank a.s. only until 7 July 2008 and for Agreements on the Kompletkonto product package.
4. The bank is entitled to change the amount of fees, especially with regard to the current situation on financial markets, on the banking services
market and with regard to changes in inflation.
5. The bank reserves the right to charge additional fees for non-standard transactions.
6. If not explicitly stated, the amount of fee by particular price list items is charged in the way for each item.
7. This price list shall take effect on 7 July 2010.
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Information line: 800 900 900
Web:www.rb.cz
E-mail:[email protected]
OE-A046-01-10