RATES AND CHARGES
Private individuals
Applicable to customers
at 1st February 2015
BANK AUDI FRANCE
1
VALUE
1- STANDARD EXTRACT OF PRICES
CHARGES
The VAT charged depends on
the customer's place of
residence
D
€40/quarter or part thereof
Totalling €160/year
Card fee for Carte Bleue Visa Nationale*
D
€100/year
Card fee for Carte Visa Premier*
Withdrawal in euros from another eurozone operator's ATM with an international
payment card
Transfers in euros within the EEA
D
€260/year
D
None
Account maintenance fee
Internet banking subscription
None
D
€15
Transfers in euros and foreign currency made abroad (outside the EEA***) by
SWIFT
D
€30 + €15 (1 SWIFT)
€30 + €25 (2 SWIFTS)
Charge for SDDs/SEPA transfers rejected for operational incidents
D
charge capped at
€20/charge and at
€200/month
Irregular transaction fee
D
€8/transaction
€80 max./month
Concierge services
D
€30/transaction
* For each additional card issued on the same account: 50% of the card fee
** Withdrawals and payments made abroad (outside the eurozone) are converted into euros at the
international inter-bank market rate on the date the transaction is processed by Visa plus commission of
3.50%
*** EEA = Member countries of the European Economic Area
2- OPENING, OPERATING AND ADMINISTERING YOUR ACCOUNT
2.1. OPENING, CLOSING AND CHANGING TYPE OF ACCOUNT
Opening an account
None
Closing an account
None
2.2 STATEMENTS OF ACCOUNT
Monthly account statement
None
€100/quarter + VAT
Regular mailing of statements
Annual charges summary
None
2.3 ACCOUNT MAINTENANCE
Account maintenance fee
D
€40
Overdraft fee*
D
2%0
Audit charges
D
€200 + VAT
Registering a change of address
D
€5
BAF mail address service (per customer number)
D
D
€600/year + VAT
(on the highest overdraft in the quarter)
*Overdraft fees are included
in the Annual Percentage Rate (APR)
and are capped at half the debit balance interest charged
Issue of a French RIB or BIC/IBAN
2
€5
VALUE
CHARGES
The VAT charged depends on
the customer's place of
residence
2.4 IN-BRANCH SERVICES
In euros
Cash pay-ins
D
None
Cash withdrawals
D
None
Changing bank notes at market rates ± 1%
D
"Mise à disposition" cash transfers
D
None
€50
Cash pay-ins
D
1%
Cash withdrawals
D
1%
Changing bank notes at market rates ± 1%
D
"Mise à disposition" cash transfers
D
None
€50
DOCUMENT PROVISION
Photocopying charges
D
€1 + VAT per page
Document recovery fees < 3 years/document
D
€20 + VAT
Document recovery fees > 3 years/document
D
€35 + actual costs
Fax fees:
Europe
D
€5 + VAT
Other
D
€10 + VAT
Registered post charges in France
D
10 €
Registered post charges outside France
D
SWIFT charges outside France
D
20 €
€15/SWIFT
DHL charges:
Europe
D
€60 + VAT
Other
D
€80 + VAT
Certificate issue
D
€100/certificate
Direct debit bill payment charges
D
Information to guarantors
D
€10/payment
€200/year
Opening a probate estate
D
€1 000/probate estate
Concierge services
D
€30/transaction
IN FOREIGN CURRENCY
OTHER SERVICES
3- DISTANCE BANKING
Internet banking subscription
None
4- YOUR PAYMENT MEANS AND METHODS
4.1 VISA PAYMENT CARDS
Card fee for Carte Bleue Visa Nationale*
D
€100/year
Card fee for Carte Visa Premier*
Withdrawals from other operators' ATMs in the eurozone with an international
payment card
Cash withdrawals using cards in banks accepting CB in France or VISA outside
France**
Card sent by special delivery
D
€260/year
D
None
P
€5 + correspondents' fees
D
Actual costs
Request for PIN number notification
D
€30
Card reissue/replacement fee
D
€50
Stoppage of card by the customer on grounds of loss, theft or fraudulent use
(excluding card replacement fees)
None
Card stoppage by the Bank on grounds of misuse
None
3
VALUE
CHARGES
The VAT charged depends on
the customer's place of
residence
* For each additional card issued on the same account: 50% of the card fee
** Withdrawals and payments made abroad (outside the eurozone) are converted into euros at the
international inter-bank market rate on the date the transaction is processed by Visa plus commission of
3.50%
4.2 AMERICAN EXPRESS PAYMENT CARDS
€185/year
Gold Card* annual fee
D
Platinum Card* annual fee
D
€590/year
Centurion Card* annual fee
D
€ 3 000/year
Centurion Card** joining fee
D
€3 000
*An additional card can be issued on the same account free of charge
All the other fees (sundry transactions, withdrawals and payments) that are also received by American
Express appear in the American Express payment card general terms and conditions of use
** Fee paid only in the first year of subscription, in addition to the annual fee
4.3 BANK TRANSFERS
OUTWARD TRANSFERS
In euros in the EEA
D
€15
In euros and foreign currency (outside the EEA*) by SWIFT
D
€30 + €15 1 SWIFT
€30 + €25 2 SWIFTS
Transfer between customer numbers
D
€5
Audi intergroup transfer
D
€25
INWARD TRANSFERS
P
None
P+1
None
Charge for SDD/SEPA transfers rejected for operational incidents
D
charge capped at
€20/charge and at
€200/month
Returned SDD/SEPA transfer
D
€15/transaction
N/A
D
None
€10
Sending a cheque book by special delivery
D
€30
Stopping a cheque or a series of cheques
D
€30
D
€25 + postage
Member countries of the EEA*
Countries outside the EEA
* EEA = Member countries of the European Economic Area
4.4 DIRECT DEBITS
4.5 CHEQUES
CUSTOMER CHEQUE BOOKS
Charge for ordering a cheque book
Dispatching a cheque book by post (registered )
ISSUING A BANKER'S CHEQUE
Issuing a postal cheque
4
VALUE
CHARGES
The VAT charged depends on
the customer's place of
residence
PAYING IN CHEQUES
• IN EUROS
In our branches
D+1
None
In the Metropolitan France + French overseas départments
D+3
None
D+10
None
(receipt deadline 12:00)
French Overseas Territories
(receipt deadline 12:00)
Other countries
(Collection only):
• Europe
P+2
€20 + €60 DHL charges +
correspondent's charges
• Other
P+2
€20 + €80 DHL charges +
correspondent's charges
P-1
€15 +carriage/DHL charges
P-1
€15+postage/DHL
charges+correspondent's
fees
D+1
None
Return of unpaid cheques ( Metropolitan France and
French overseas départments and territories)
Return of unpaid cheques ( other countries)
• IN FOREIGN CURRENCY
In our branches
P+1
Metropolitan France (collection only) :
€20 + postage
Other countries (collection only) :
• Europe
P+1
€20 + €60 DHL charges +
correspondent's charges
€20 + €80 DHL charges +
correspondent's charges
• Other
5- IRREGULARITIES AND INCIDENTS
IRREGULAR TRANSACTION FEE
This is a fee charged for a transaction involving an irregularity in the operation of the account needing
special processing (presenting an irregular payment order, wrong bank details, no or insufficient funds,
D
€8/transaction
€80 max./month-
"opposition administrative" government agency seizure orders
D
€200 + VAT
Court "saisie conservatoire" or "attribution" attachment orders
Unauthorised overdraft notification letter
D
D
€200 + VAT
€40 + postage
Per transaction, up to a limit of 10 per month
5.2 SPECIAL PROCEDURES
Handling "avis à tiers détenteur" notices to a third party holder or
5
VALUE
CHARGES
The VAT charged depends on
the customer's place of
residence
5.3 PAYMENT INCIDENTS
Fee for returning cheque for lack of funds:
• Flat fee per cheque returned ≤ €50
D
€30
• Flat fee per cheque returned > €50
D
€50
Information notice on cheques drawn without funds
D
€20
Application fee
Loan confirmation
D
D
Annual loan administration fee
D
1% of the total of the loan
1%, min. €1000
€750
6- OVERDRAFTS AND LOANS
6.1 TAKING OUT A LOAN
D
€500
Interest rate
N/A
As arranged
Account maintenance fee
N/A
As arranged
Peak overdraft fee
N/A
As arranged
"Nantissement de fonds de commerce" floating charge
D
€600 + actual costs
Contract pledging funds on account
D
€250 + actual costs
Mortgage
D
€1 000 + actual costs
Contract pledging shares/negotiable securities
D
€1 000 + actual costs
D
0.85%, min €60
Loan documentation fee
6.2-SECURITY
7-SAVINGS - FINANCIAL INVESTMENTS - SECURITIES PORTFOLIO
Commission on stock market orders:
Eurozone:
Stock markets outside France:
0.75%, min 75 GBP
UK stock market
D
Swiss stock market
D
US stock market
D
0.85%, min 100 USD
Canadian stock market
D
0.40%, min. 75 CAD
D
On application
€30 + VAT
D
0.25%, min. €35 +VAT
0.85%, min 75 CHF
Other stock markets
Transfers of securities to another provider (by line)
Custodian fees
Charged quarterly on the quarterly average of
daily portfolio valuations
(or its equivalent in foreign currency)
Additional fee on transactions falling within the
scope of the Financial Transactions Tax 1:
0.2%
1- See articles 235 ter ZD of the French Tax Code.
The list of companies whose securities are affected by the Financial Transactions Tax is published by
decree of the French Ministry of the Economy and the Budget.
6
VALUE
8- LETTERS OF GUARANTEE
CHARGES
The VAT charged depends on
the customer's place of
residence
Rental letters of guarantee
D
Sundry amendments
D
2% per year, min €700/yr
€100
Letter of intent
D
€100
9- INTEREST-RATE TERMS APPLICABLE TO CUSTOMERS
ACCOUNTS IN EUROS
Unauthorised overdraft
Euro 3-month lending market rates* + 8%
Creditor balance rates
Sight accounts of residents and non-residents
do not earn interest
Overdraft fee
2%0 on the peak overdraft for the quarter with a
cap of half the debit balance interest
* The market rate , is a variable rate, indexed to the Libor rate, uplifted by 40 basis points for accounts with debit balances (lender market rate)
denominated in euros. LIBOR (London InterBank Offered Rate) is a rate published by the British Bankers Association which represents, for a
specific currency and specific period, the average lending rates offered by a group of at least eight top ranking banks, on the London inter-bank
market.
These rates are published on all market trading days at around 11:30 (GMT – the time in London, in the United Kingdom), particularly on the
Reuters "LIBOR" page. The historical record of the various LIBOR rates can be viewed on the British Bankers Association website at
(www.bba.org.uk).
ACCOUNTS IN US DOLLARS
Unauthorised overdraft
Prime Rate + 6%
Creditor balance rates
Sight accounts of residents and non-residents
Overdraft fee
do not earn interest
2%0 on the peak overdraft for the quarter with a
cap of half the debit balance interest
D = Working day date
P = Payment date
M = Maturity date
N/A = Not Applicable
10- DISPUTE RESOLUTION
In the event of a problem or dissatisfaction with the workings of your account, or with the use of the services made available
to you, you can contact your Bank:
• By mail:
Bank Audi France
73, avenue des Champs Elysées
75008 Paris
• By telephone:
01 53 83 50 00
• By Fax:
01 42 56 09 74
• by e-mail:
[email protected]
As a last resort and following the procedure described in article 10 of General Terms and Conditions for opening an account,
you can apply free of charge to the Mediator by sending your written complaint to the address given below. The Mediator will
reply to you directly within 2 months, advising you of its position based on fairness, given the facts and the cases put forward
by both sides.
• By mail:
The Mediator
Boite Postale n°151
75422 Paris Cedex 9
7