Personal banking
SCHEDULE OF CHARGE – PERSONAL BANKING
A. ACCOUNT OPENING AND MAINTENANCE |
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ITEMS
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RATE
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MIN
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MAX
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1
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Opening
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No charge
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Minimum balance required
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- VND
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VND200,000
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- USD
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USD50
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- Other foreign currency
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Not required
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2
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Account maintenance (applied when annual average balance below minimum level)
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- VND
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VND100,000/ year
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- USD
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USD equivalent to VND100,000/ year
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3
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Closing account (within 12 months after opening)
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- VND
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VND20,000
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- USD
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USD2
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4
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Reactivating a closed account
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No charge
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B. TRANSACTIONS IN VND |
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I. ACCOUNT
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1
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CASH
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1.1
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Deposit into account
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In the same province/city where account is opened
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No charge
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In the province/city different from where account is opened
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- of the owner himself only
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0.01%
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VND10,000
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VND300,000
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- of other people
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0.02%
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VND10,000
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VND1,000,000
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- Payment for principal or loan interest
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No charge
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1.2
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Withdrawal from account
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In the same province/city where account is opened
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No charge
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In the province/city different from where account is opened
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0.02%
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VND10,000
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VND1,000,000
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Note:
In case that customers withdraw money in the province, city where accounts are opened within 02 working days since the date of cash deposit into accounts, checking fee shall be applied
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0.02%
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VND10,000
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VND1,000,000
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In case that customers withdraw money in the province, city different from where accounts are opened within 02 working days since the date of cash deposit into accounts, checking fee shall be applied
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0.03%
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VND20,000
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VND1,000,000
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2
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TRANSFER
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2.1
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Incoming transfer
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Inward remittance
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No charge
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Inward remittance from other banks and cash withdrawal made on the same day
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0.02%
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VND10,000
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VND1,000,000
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2.2
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Within SAIGONBANK’s network
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Between accounts at SAIGONBANK
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No charge
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Beneficiary presenting ID for money receipt
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- In the same province/city
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No charge
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- In different province/city
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0.01%
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VND10,000
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VND500,000
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Note:
In case that customers transfer money within 02 working days since the date of cash deposit into account, checking fee shall be applied
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0.02%
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VND10,000
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VND500,000
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2.3
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Outside SAIGONBANK’s network
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In the same province/city where account is opened
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- Clearing payment
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VND10,000/ item
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- Inter-bank payment
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. item < VND500,000,000
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Documents delivered by 14hrs
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VND10,000/ item
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Express remittance
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0.01%
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VND20,000
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. item ≥ VND500,000,000
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0.01%
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VND50,000
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VND1,000,000
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In the province/city different from where account is opened
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0.05%
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VND20,000
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VND1,000,000
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Note:
In case that customers transfer money within 02 working days since the date of cash deposit into account, checking fee shall be applied
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0.02%
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VND10,000
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VND500,000
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2.4
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Pay out upon recipient list
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Beneficiary’s account at SAIGONBANK
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0.05%/ total amt or VND2,000/ person
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Beneficiary’s account at another bank
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Applied as B.I.2
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Beneficiary receives money at another bank
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Applied as B.I.2
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2.5
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Amendment, investigation, cancellation
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VND10,000
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II. FOR NON-SAIGONBANK ACCOUNT CUSTOMERS
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1
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CASH
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1.1
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For remittance within SAIGONBANK’s network to ID receivers
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- In the same province/city
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0.02%
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VND10,000
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VND500,000
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- In different province/city
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0.04%
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VND20,000
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VND1,000,000
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1.2
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For remittance outside SAIGONBANK’s network
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- In the same province/city
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0.04%
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VND20,000
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VND1,000,000
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- In different provinces/cities
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0.07%
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VND30,000
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VND1,500,000
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2
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TRANSFER
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2.1
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From SAIGONBANK’s network to ID receivers
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No charge
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2.2
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From other banks to ID receivers
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0.03%
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VND20,000
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VND2,000,000
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III. SAVINGS ACCOUNT
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1
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Deposit to Savings Account
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No charge
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2
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Withdrawal from Savings Account
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At SAIGONBANK's branches in the same province/city where Savings Account is opened
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No charge
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At SAIGONBANK's branches outside the province/city where Savings Account is opened
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. Value ≤ VND100,000,000
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No charge
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. Value > VND100,000,000
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0.01%
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VND10,000
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VND1,000,000
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Note:
In case that customers withdraw money within 02 working days since the date of cash deposit into account, checking fee shall be applied as follows:
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- Accounts in VND
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0.02%
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VND10,000
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VND1,000,000
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- Accounts in foreign currencies
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0.15%
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USD2 or equivalent
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C. CHEQUE |
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1
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Issued by SAIGONBANK
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1.1
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Blank cheque
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VND10,000/ volume
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1.2
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Cheque encashment at SAIGONBANK
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- In the same province/city
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No charge
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- In different province/city
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0.02%
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VND10,000
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VND1,000,000
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2
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Collection of cheques issued by other local banks
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Sending customer’s cheque for collection
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VND10,000/ cheque
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3
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Handling cheque issued by foreign banks
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USD1
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4
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Payment for foreign cheque collection
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0.2%
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USD5
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USD100
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D. TRANSACTIONS IN FOREIGN CURRENCIES |
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1
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CASH
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1.1
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Deposit
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USD - notes of USD50 and above
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0.15%
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USD2
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- notes of USD5, 10, 20
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0.30%
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USD3
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- notes of USD1, 2
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0.50%
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USD3
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EUR
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0.55%
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USD5
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Other foreign currencies
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0.80%
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USD5
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Traveler’s cheques
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1%
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USD5
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1.2
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Withdrawal
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- in same currency with the account’s
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0.15%
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USD2
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- in other currencies
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0.20%
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USD2
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2
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TRANSFER
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2.1
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Domestic incoming transfer
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No charge
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2.2
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Transfer between accounts of SAIGONBANK’s network
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In the same province/city where account is opened
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No charge
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In the province/city different from where account is opened
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USD1/ item
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2.3
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Transfer to account outside SAIGONBANK network
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In the same province/city where account is opened
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USD2/item
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In the province/city different from where account is opened
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0.05%
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USD2
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USD50
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E. INTERNATIONAL REMITTANCE |
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I. INWARD REMITTANCE
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1
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Non-commercial remittance from overseas Vietnamese
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0.05%
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USD2
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USD50
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2
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Other remittance
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0.05%
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USD2
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USD100
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3
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Inward remittance received from local banks
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0.03%
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USD2
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4
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Remittance refund
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USD5
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5
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Contact fee (in case customers are non- SAIGONBANK account holders)
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USD1
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II. OUTWARD REMITTANCE
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1
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By Telegraphic Transfer
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Issuance of payment orders:
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- Advanced payment
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At least 0.2%
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USD10
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- Other payments
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At least 0.18%
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USD10
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-For preferential customers
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0.18% - 0.20%
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USD10
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USD300
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Amendment of payment order
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USD5 + correspondent banks fee (if any)
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Fees of foreign banks (if remitters agree to pay)
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As per correspondent bank’s service charge
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Cancellation of payment order
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USD5
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Late document supplementation (as of the time SAIGONBANK issues the first written request)
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USD5/week/document
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2
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By Bankdrafts
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Issuance of Bankdrafts
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0.1%
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USD5/ draft
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USD100/ draft
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Cancellation of Bankdrafts
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USD5 + correspondent banks fee
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G. BANK GUARANTEE |
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I. INTERNATIONAL GUARANTEE
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1
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Issuance of bank guarantee, standby L/C
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VAT not applied
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100% deposit
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Min 0.04%/ month
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USD20
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Below 100% deposit
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Min 0.1%/ month
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USD50
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Against counter guarantee of a local bank
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0.083%/ month
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USD20
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Against counter guarantee of a well known foreign bank
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2
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Amendment of bank guarantee, standby L/C
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VAT not applied
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- Increase in amount
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Same as issuance
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- Extension of expiry date
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- Others
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USD10
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3
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Payment of bank guarantee, standby L/C
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Min 0.2%
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USD20
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-For preferential customer
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0.2%
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USD20
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USD400
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4
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Cancellation of bank guarantee, standby L/C
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USD15
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5
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Confirmation of bank guarantee
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0.17%/ month
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USD50 (VAT not applied)
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6
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Shipping guarantee
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USD50/ bill (VAT not applied)
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7
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Advising bank guarantee issued by a foreign bank
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USD20
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8
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Advising bank guarantee amendment
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USD10
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9
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Verifying the signature on bank guarantee/ bank guarantee amendment as per local customer’s request
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USD10
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II. DOMESTIC GUARANTEE
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1
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Issuance
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VAT not applied
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100% deposit
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0.05%/ month
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VND300,000 or USD15
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Below 100% deposit
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- For deposited amount
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0.05%/ month
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- For non-deposited amount
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. Secured by account balance, savings account balance, valuable document issued by SAIGONBANK
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0.1%/ month
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VND300,000 or USD15
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. Secured by account balance, savings account balance, valuable document issued by other banks or government bond
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0.12%/ month
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VND350,000 or USD18
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. Secured by real estate
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0.14%/ month
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VND400,000 or USD20
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. Secured by others assets
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0.16%/ month
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VND500,000 or USD25
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. No collaterals
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0.3%/ month
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VND1,000,000 or USD50
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Note:
In case a guarantee is secured by 2 collateral types or more, the highest minimum rates designed for diverse collateral types will be applied.
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Bilingual guarantee issuance (Vietnamese - English)
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Same as issuance + VND150,000
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Guarantee issuance customized per clients’ request and approved by SAIGONBANK
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Same as issuance + VND200,000
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2
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Amendment
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VAT not applied
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Increase in amount, extension of expiry date
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Same as issuance
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Others
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VND200,000 or USD15
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3
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Confirmation to guarantee issued by SAIGONBANK
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VND300,000 or USD15 (VAT not applied)
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4
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Guarantee/ confirmation to a guarantee issued by other institutions
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Same as issuance
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5
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Guarantee cancellation
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- Due to guarantee expiration
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No charge
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- As per customer’s request
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VND200,000
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6
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Commitment letter for credit granting
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- up to VND10 billion
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VND1,000,000
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- above VND10 billion up to VND50 billion
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VND3,000,000
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- above VND50 billion up to VND100 billion
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VND5,000,000
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- above VND100 billion
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VND10,000,000
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H. CASH SERVICES |
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I. CURRENCY EXCHANGE
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1
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Exchange traveler’s cheque
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1%
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USD2
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2
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Exchange one foreign currency for another
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No charge
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3
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Exchange of bigger foreign denominations for smaller ones.
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No charge
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4
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Exchange of smaller foreign denominations for bigger ones.
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1%
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USD2
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5
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Exchange cash below standards for circulation
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Deformation due to circulation
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No charge
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Deformation due to preservation
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3.64%
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VND2,000
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II. CHECKING AND COUNTING SERVICE FOR CASH IN VND
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1
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On-site
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- denominations of VND20,000 or above
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0.03%
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VND100,000
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VND1,500,000
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- denominations of VND10,000 or below
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0.05%
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VND100,000
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VND3,000,000
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2
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Off-site
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- denominations of VND20,000 or above
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0.05%
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VND500,000
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VND3,000,000
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- denominations of VND10,000 or below
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0.1%
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VND500,000
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VND3,000,000
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III. VERIFYING FOREIGN CURRENCY
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USD0.2/ sheet
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IV. OFF-SITE COLLECTION AND DELIVERY
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As per agreement
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I. OTHER SERVICES |
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1
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Confirmation of the account balance for overseas study
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VND50,000
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2
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Confirmation of foreign currency brought by residents who are Vietnamese citizens to other countries.
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|
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- For customers who are SAIGONBANK account holders
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VND50,000
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- For non- SAIGONBANK account customers
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VND100,000
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3
|
Syndicated finance
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0.05%/ p.a/ loans outstanding granted by syndicated credit organization
|
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4
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Lending the original of collateral file
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VND200,000 -> VND500,000
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5
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Confirming that the original of collateral file is currently retained by SAIGONBANK
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VND200,000 -> VND500,000
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6
|
Retrieving and/ or supplying copied documents per request
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- Document ≤ 1 year
|
VND10,000/ document
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- Document > 1 year
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VND30,000/ document
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7
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Providing true certified copy of original documents
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VND2,000/ sheet
|
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8
|
Issuing the Account Confirmation per request
|
VND50,000 (for max 02 original copies, VND5,000/ copy shall be collected from the 3rd copy)
|
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9
|
Account statement as per request
|
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Account statement
|
VND3,000/ sheet Min VND10,000
|
||||
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Re-printing transaction statement of the current month
|
VND2,000/ sheet
|
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10
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Advising the balance by SMS
|
VND9,000/ month
|
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11
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Others
|
VND100,000
|
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K. TELEGRAPHIC CHARGE |
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1
|
Issuance of L/C or bank guarantee
|
USD25
|
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2
|
Amendment of L/C or bank guarantee
|
USD15
|
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3
|
Payment of L/C or bank guarantee or collection made by local customer
|
USD20
|
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4
|
Others
|
USD10
|
L. INTERNET BANKING |
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NO.
|
ITEMS
|
PACKAGES
|
||
i-STANDARD
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i-OTP
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i-PKI
|
||
A
|
SERVICE FEES
|
|||
1
|
Service registration
|
No charge
|
No charge
|
No charge
|
2
|
Maintenance
|
|
|
|
2.1
|
Monthly
|
VND10,000
|
VND20,000
|
VND30,000
|
3
|
Information amendment/ cancellation/ modification
|
VND10,000/ time
|
VND10,000/ time
|
VND10,000/ time
|
4
|
Service cancellation
|
VND10,000
|
VND20,000
|
VND20,000
|
5
|
Re-issuing static password
|
VND20,000
|
VND20,000
|
VND20,000
|
B
|
SECURITY EQUIPMENT EXPENSES
|
|||
1
|
OTP security equipment
|
|
|
|
1.1
|
Purchasing expenses
|
-
|
VND450,000/ item
|
VND450,000/ item
|
1.2
|
Annual fee for using equipment
|
-
|
VND100,000/ item
|
VND100,000/ item
|
2
|
Digital signature security equipment
|
|
|
|
2.1
|
Purchasing expenses
|
-
|
-
|
VND730,000/ item
|
2.1
|
Annual fee for using equipment
|
|
|
VND100,000/ item
|
C
|
TRANSACTION FEES
|
|||
1
|
Internal transfer
|
-
|
No charge
|
No charge
|
2
|
Others
|
As per prevailing provisions of SAIGONBANK
|
NOTE
1. Except otherwise stipulated, VAT is not yet included in above fees.
2. Relevant fees for above-mentioned services exclude postal, telegraphic fees and costs from other banks except otherwise stipulated in the schedule, these costs will be collected as incurred.
3. Fees applied will not be refunded notwithstanding the request for service cancellation.
4. For fees in foreign currency, in case payments to be made in VND or another foreign currency, the prevailing selling rate offered by SAIGONBANK will be applied.
5. Fees will be immediately collected upon request of services or at the end of the transaction.
6. Guarantee commission is monthly calculated and on a full month basis.
7. The account holder means the owners, representatives of organizations, enterprises, the cashier who are registered with SAIGONBANK.
8. SMS fee will be automatically collected on the 25th of each month, in case of insufficient balance, charges will be cumulatively counted in the following month.
If fees/charges are not yet paid within 6 months, SAIGONBANK will stop providing services.
If an account is closed at midmonth, SMS fee and account closure fee will be collected.