Schedule of Charges for Trust Bank Limited 2012




Schedule of Charges - 2012
     
Sl Description  
A General Banking & Local Remittance  
A1 Current Accounts/Al-Wadiah:  
A1-i Incidental Charge No Charge
A1-ii Account Maintenance Fee Tk.500 (Half Yearly)
A1-iii Account closing charge Tk.300 Per Account
A1-iv Account Statement No Charge (Half Yearly & Yearly) for One Time
Subsequestly, Per Page Tk.25 & Minimum Tk.100
A1-v Balance Certificate No Charge (Half Yearly & Yearly) for One Time
Subsequestly, Per Certificate Tk.200
A1-vi Solvency Certificate Tk. 500.00 per instance
No charge for Defence Personnel & TBL Employees
A1-vii Issue of Cheque Book (MICR) Tk. 3 Per Leaf
A1-viii Standing instruction Tk. 150.00 per instance excluding DPS & Loan  Installment Payment
No charge for Defence Personnel & TBL Employees
A2 Savings/Mudaraba Savings  
A2-i Incidental Charge No Charge
A2-ii Service Charge No Charge
A2-iii Account Maintenance Fee No Charge for Balance less than or equal to Tk.5000    
Tk.100 Half Yearly for Balance less than or equal to Tk.25000    
Tk.300 Half yearly for Balance greater than Tk.25000
A2-iv Account closing charge Tk.200 Per Account
A2-v Account Statement No Charge (Half Yearly & Yearly) for One Time
Subsequestly, Per Page Tk.25 & Minimum Tk.100
A2-vi Balance Certificate No Charge (Half Yearly & Yearly) for One Time
Subsequestly, Per Certificate Tk.200
A2-vii Solvency Certificate Tk. 500.00 per instance
No charge for Defence Personnel and TBL Employees
A2-viii Issue of Cheque Book (MICR) Tk.  3 Per Leaf
A2-ix Standing instruction Tk. 200.00 per instance excluding DPS & Loan  Installment Payment
No charge for Defence Personnel and TBL Employees
A2-x Activation Charge for Dormant A/C Tk.100 Per Account
A3 STD/Mudaraba STD  
A3-i Incidental Charge No Charge
A3-ii Service Charge No Charge
A3-iii Account Maintenance Fee Tk.500 (Half Yearly)
A3-iv Account closing charge Tk.300 Per Account
A3-v Account Statement No Charge (Half Yearly & Yearly) for One Time
Subsequestly, Per Page Tk.25 & Minimum Tk.50
A3-vi Balance Certificate No Charge (Half Yearly & Yearly) for One Time
Subsequestly, Per Certificate Tk.200
A3-vii Solvency Certificate Tk. 500.00 per instance
No charge for Defence Personnel and TBL Employees
A3-viii Issue of Cheque Book (MICR) Tk.3 Per Leaf
A3-ix Standing instruction Tk.200.00 per instance excluding DPS & Loan  Installment Payment
No charge for Defence Personnel and TBL Employees
A4 Cheque Collection  
A4-i Collection of cheques through Clearing House No Charge
A4-ii Outward cheque return (Collection or Clearing) No charge
A4-iii Inward cheque returned for insufficient balance.    Tk. 200.00 per instance.
A4-iv Collection of outstation cheque/bills ( Except Bach) Upto Tk. 1,00000.00 :  Tk. 100.00
Above Tk. 1,00000.00 : Tk. 200.00
No charge for Defence Personnel & TBL Employees
A5 DD/Pay Order & General Issues  
A5-i Pay Order Issue Tk. 100 Per Issue
For Walking customer Tk. 200,
No charge for Defence Personnel & TBL Employees
A5-ii Pay Order Cancellation Tk. 200.00 (flat) per instrument.
A5-iii Pay Order Duplicate Issue  Tk. 300.00 per instrument and stamp charge for indemnity 
A5-iv Foreign Remittance (Inward) No Charge
A5-v DD/TT/MT issuance Tk. 500.00 Flat Per instance
No charge for Defence Personnel & TBL Employees
A5-vi Cancellation of DD/TT Tk.200.00 (flat) per instrument.
A5-vii Issuance of Duplicate instrument such as DD,TT, FDR, TSSS etc.. Tk.300.00 per instrument, plus stamp charge 
A5-viii Issuance of Bangladesh Bank cheque. Tk.500.00 per instance.
A5-ix Issue of Cheque Book Cheque Book  Tk. 3.00 Per Leaf excluding Corporate Salary A/C
A5-x Cheque/Clean Bill Purchase Upto Tk. 0.25 Lac, @ 0.15%, min. Tk. 25.00 + SC Tk. 100.00
Above Tk.0.25 Lac to Tk.1.00 Lac, @ 0.15%, min. Tk. 100.00 + SC Tk. 200.00
Above Tk.1.00 Lac to Tk. 5.00 Lac,@ 0.10%, min. Tk. 250.00 + SC Tk. 300.00
Above Tk. 5.00 Lac, @0.05%, min. Tk. 500.00 + SC Tk. 500.00
Note : SC = Service Charge
A5-xi Enlistment of C&F agents For fresh  enlistment Tk. 10,000.00
For renewal Tk. 5,000.00
A5-xii Enlistment of Local Suppliers/Contractors For fresh  enlistment Tk. 2,000.00
For renewal Tk. 1,000.00
A5-xiii Fund Transfer Instruction Account to Account Transfer Tk. 200.00 
 No charge for Same Account Holders
A5-xiv Statement Verification Charge (At the request of Other Banks/NBFI) Tk. 500 per instance
A5-xv Account Transfer From one branch to another  Service charge Tk. 500.00 plus postage at actual.
No charge for Defence Personnel & TBL Employees
A5-xvi Stop Payment instruction  Tk. 100.00 per instance.
A5-xvii Locker/ Safe Custody ( Either Yearly Rent or Security Key Deposit) Type       Yearly Rent        Key Deposits
Small        Tk.2000              Tk.20,000.00 
Medium    Tk. 2500             Tk.25,000.00
Large       Tk. 3000             Tk. 30,000.00
For Defence Personnel & TBL Employees 50% of the above prescribed rate.
A5-xviii Locker Key Replacement Actual Cost + Tk. 3,000.00
A5-xix Clean Bills – Collections(OBC) 0.15% or minimum Tk. 300.00 + other cost at actual for LCY 
A5-xx Online Cash Transaction-Inter Br. Within City No Charge
A5-xxi Online Cash Transaction- Inter City No Charge
A5-xxii Online Cash Deposit  No Charge
A5-xxiii Online Cash withdrawal No Charge
A5-xxiv Online Cheque deposit  No Charge
A5-xxv Online inward clearing No Charge
A5-xxvi BO Certificate Tk. 100.00 per instance.
A5-xxvii Trust Mobile Money: Transaction Fee Tk.10.00 up to Tk. 2,000.00
Tk.5.00 for additional Tk.1,000.00
B Credit Operations  
B1 Loan processing Fees  For General Customers:      All existing Unsecured Personal Loans 1.50%
No Charge for TBL Employees
B2 Loan processing Fees  For General Customers: Apon Nibash (Home Finance) & Ihsan Apartment Purchase Scheme, Barakat Home Construction Scheme 1.00% for general customers.
In case of taking over, 0.50%.
In case of Pay Roll clients 0.50%
No Charge for TBL Employees.
B3 Loan processing Fees  For General Customers:Car Loan (Private Used Car And Pic up only) & Barakat Car Scheme 1.00%
No Charge for TBL Employees.
B4 Loan processing Fees  For Defence Personnel:Any Purpose Loan, Doctors Loan/ TIB Doctors Scheme, Household Durables/ TIB Household Durable Scheme, Education Loan, Hospitalization Loan, Car Loan/TIB Car Scheme, Marriage Loan 0.50%
B5 Loan processing Fees  For Defence Personnel:HBL(Reg. Mortgage), Loan against Commutation benefit, Army Officers Housing Scheme , Home Mortgage Loan-Sena Palli, RRDH & TIB House Building Scheme, TIB AOHS 0.00%
B6 Bank Guarantee Maximum 0.50% per Qtr and minimum Tk. 2,000 per Qtr.
For 100% Cash Margin, Tk. 1,000 
Where guarantee is fully covered by TBL Financial Instruments, maximum 0.20% per Qtr. and min Tk.2,000.
If guarantee is covered by other Bank's Financial Instruments, maximum 0.30% per Qtr. and min Tk.2,000.
B7 Documentation Charges for Loan (Other Than Individuals) Stamp Charge at actual plus
Upto Tk. 10 Lac: Tk. 1000.00
From Tk. 10.00 Lac to upto 1 Crore: Tk. 3,000.00
Above 1.00 Crore Tk. 5,000.00
No Charge for Defence Personnel and TBL Employees
B8 Documentation Charges for Loan (Individuals including Retail Loans) Stamp Charge at actual plus Tk. 1000
B9 Credit Facility Backed By Cash Collterals or Financial instruments ( Issued by TBL,Other Bank or NBFI's)  for Individuals and Corporate (SOD & Secured Term Loan) No Charge for TBL Instruments
For Other Instruments, maximum 0.50% on approved amount of loan or Tk. 10,000.00 whichever is lower.
B10 Loan Processing charge on Commercial Loan (Corporate) Maximum 1.00% and min Tk. 5,000.00
B11 Loan/Investment  Rescheduling charge Individual : Tk.5,000.00
Corporate : Tk.10,000.00
B12 SME Loan/Investment Processing fees Non collateral : 1% & minimum Tk. 5000
Collateral: Upto Tk. 1.00 Crore @ .50% & minimum Tk. 2000
Above Tk. 1.00 Crore 0.25%, Minimum Tk.10,000.00
Risk Fund @ 1% for Non Collateral (Outsourcing Client)
B13 Early Settlement Fees For all unsecured Loans before 1st year 2% on the outstanding amount and above 1 year 1% on the outstanding amount.
No Charges for Defence  & TBL Employees
B14 Valuation & Legal Fee Negotiable on case to case basis on the merit of case
C Foreign Trade Operations  
C1 L/C Opening Commission Sight L/C : Maximum 0.40% per Qtr
Deferred/Usance L/C : Maximum 0.50% per Qtr.
100% Cash Margin :Maximum  0.25% per Qtr.
Back to back L/C : Maximum  0.40% per Qtr.
Minimum Tk. 2,000.00
C2 L/C Opening Documentation Charges Local L/C : Tk. 750.00 
Foreign : Tk 1000.00
C3 Export L/C Advising Maximum Tk.  750.00 
C4 L/C Transmission By local mail – at actual, min. Tk. 500.00
By Foreign – at actual min. Tk 2,500.00
By SWIFT – at actual min. Tk. 2,500.00 for SAARC Countries and Others Tk. 3,000.00
C5 L/C Acceptance Maximum 0.40% per qtr, minimum Tk. 750.00 + Postage at actual, min.   Tk. 200.00/SWIFT at actual, min Tk. 1000.00
C6 L/C Amendment Maximum Tk. 750.00 per L/C plus SWIFT Charge
C7 L/C Confirmation from 3rdBank At actual charge by 3rdBank + maximum 0.20% per qtr.
C8 FCC – Local No Charge
C9 FCC – Foreign No Charge
No Charge
C10 FCC for L/C Amendments No Charge
C11 Correspondence charge regarding L/C Cancellation Charges imposed by LC advising/Presenting/ Negotiating Bank  + SWIFT – at actual, min Tk. 1,000 or Mail – at actual, Min Tk. 500
C12 Handling Charges – L/C No charge
C13 Handling Charges – Import Doc. No charge
C14 Discrepancy Charge -Discrepant Import Doc. US$ 100.00 per doc. for foreign document+SWIFT at actual Minimum $ 20
Tk. 2,000.00 for local document+mail at actual Minimum Tk. 500.00
C15 Indemnity for shipping Guarantee in absence of original documents. Tk. 1,000.00 Per instance
C16 Charges for Payment/ Reimbursement instruction. US$ 80 for foreign documents
Tk. 2,000.00 for local documents
C17 Transfer of Export L/C Tk. 750.00 + SWIFT – at actual, min Tk. 750 or mail – at actual, Min Tk. 500
C18 Purchase/Discount of Export documents drawn against L/C or contract. (FDBP) Minimum Tk. 2,000.00  + postage at actual, minimum Tk. 3,000.00 for foreign documents
C19 Inland Bill Purchase (IBP) & Musharaka IBP Maximum @ 0.15%. min.Tk. 1000.00 & max Tk. 15,000.00  + other cost at actual, minimum Tk. 500.00
C20 Processing of document under collection in LCY Maximum 0.15% and min Tk. 1000
C21 Documentary Bills – Collections ( FDBC, LDBC) Maximum 0.15% or minimum Tk. 1000.00 , Maximum Tk. 10,000.00, postage at actual minimum Tk. 3,000.00 for foreign.
Incase of exchange gain commission would be Tk. 500 maximum instead of .15%
C22 Issuance of Export PRC, Tk. 500 per certificate
C23 Back to Back L/c/C&F/PRC/ FOB Certificate  Tk. 500 per certificate
C24 Issuance of EXP Tk. 300 per set.
C25 Issuance of NOC for 2ndLien Bank Tk. 2,000.00 per NOC
C26 Foreign outward remittance [TT/DD etc issue] Commission maximum 0.15%, Min Tk. 750.00* + SWIFT/Mail Charges at actual,  min Tk. 750.00.  
C27 Foreign Inward Remittance ; Purchase of FC Drafts d/o abroad. Maximum @ 0.40%, Minimum Tk. 750 + Actual SWIFT, Min Tk. 750 /Mail Charges, Min, Tk. 500 for local or 2,500 for foreign.
C28 Collection of Clean Item  Maximum @0.25%,  min. Tk. 750.00 + Actual SWIFT, Min Tk. 750 /Mail Charges, Min, Tk. 200 for local or 2,000 for foreign.
C29 Issuance of Cash FC – PP Endorsement Service Charge Tk. 300.00 flat per PP
C30 Issuance of certificate agt. PP endorsement Tk. 200 per instance 
C31 Cancellation FC Draft Maximum 0.25% Min. Tk. 500.00 per instance + SWIFT Charges at actual, min. Tk. 750
C32 Issuance of TC Quoted FC selling rate + 1% TC Comm. & handling charge Tk. 300.00 per PP.
C33 Processing of Student File Tk. 5,000 per file Issuance and Tk. 2000 for Renewal
C34 Collection of Credit Report on Supplier/Beneficiary At actual min. $ 100 (For foreign)
At actual min.Tk. 1000.00 (For Local)
C35 Cash incentive Processing Per File Tk.5000.00
C36 SWIFT message charge not mentioned elsewhere At actual , Minimum Tk. 750.00
D Trust VISA Debit/ATM Card
D1 Issuing Fee for Primary Card Tk. 300 ( First year No Charge until further instruction)
No Charge for TBL Employee
D2 Supplementary Card Fee (Spouse) No Charge for All
D3 Supplementary Card Fee (Other than Spouse) Tk. 300 per year 
Tk.150 for TBL Employees
  Renewal Fee :  
D4 Primary Card Tk. 300
D5 Spouse Supplementary Card No Charge for TBL Employees
D6 Supplementary Card  (Other than Spouse) Tk. 300
Tk. 150
D7 Card Replacement Fee  Tk. 300
No Charge for TBL Employees
D8 Transaction Fee:  
D8-i Transaction Fee (Own ATMs) No Charge
D8-ii Transaction fee Q-Cash ATMs) Tk. 10
D8-iii Transaction fee (BRAC Bank & DBBL ATMs) Tk. 20 (Brac)
Tk. 30 (DBBL)
D8-iv Transaction fee ( VISA acquiring ATM Other than Q-Cash, BRAC Bank & DBBL ATMs) Tk. 40
E Trust VISA Prepaid Card
E1 Issuing Fee  for Primary Card Tk. 500
Tk. 150 for TBL Employees
E2 Issuing fee for Supplementary Card Tk. 500
Tk. 150 for TBL Employees
E3 PIN Reissuing  fee (Primary & Supplementary) Tk. 100
No Charge for TBL Employees
E4 PIN Reissuing  fee Tk. 300
Tk. 150 for TBL Employees
E5 Card Replacement Fee  TK. 300
Tk. 150 for TBL Employees
E6 Yearly Service Charge Tk. 300
No Charge for TBL Employees
E7 Endorsement Fee Tk. 300
Tk. 150 for TBL Employees
E8 Card Cancellation Charge Tk. 300
E9 Transaction Fee (Trust Bank ATMs) No Charge
E10 Transaction fee (Q-Cash ATMs) Tk. 10
E11 Transaction fee (BRAC Bank & DBBL ATMs) Tk. 20 (Brac)
Tk. 30 (DBBL)
E12 VISA acquiring    ATM Other than Q-cash, BRAC & DBBL ATMs Tk. 40



   
             
Code Particulars Rate Remarks
F TRUST VISA CREDIT CARD Classic (Local) Gold (Local) Classic Dual/Gold Intl. For TBL Employee
(Intl.)
    Taka Taka USD USD Taka
F1 Annual Fee (Base Card- General) 500.00 1500.00 25.00 35.00 No Charge
F2 Annual Fee (Base Card- Lien agst. TBL  FDR) 300.00 300.00 5.00 10.00 No Charge
F3 Plastic Fee (Applicable if annual fee waived)-BDT 150.00 200.00 3.00 5.00 N/A
F4 Annual Fee for Supplementary Card General –First Card No Charge No Charge No Charge No Charge No Charge
Lien- First Card No Charge No Charge No Charge No Charge
F5 Annual Fee for Supplementary Card General & Lien- 2nd & 3rd  Card 500.00 700.00 10.00 15.00 No Charge
F6 PIN Issuance Fee First Time No Charge No Charge 5.00 5.00 No Charge
F7 Over Limit Interest (Per Month) 2.75% 2.75% 2.75% 2.75% 1.50%
F8 Renewal Fee for Primary Card- General 500.00 1500.00 25.00 35.00 No Charge
Lien Card 500.00 1500.00 20.00 30.00 No Charge
F9 PIN Re-issuance Fee 300.00 300.00 10.00 10.00 No Charge
F10 Renewal Fee for Supplementary Card-General 300.00 700.00 10.00 15.00 No Charge
Lien Card 300.00 700.00 10.00 15.00 No Charge
F11 Card Replacement Fee                     (General/Lien)  300.00 500.00  5.00   10.00 150.00
F12 Late Payment Fee   500.00 500.00  8.00  8.00  200.00
F13 Excess over limit fee 500.00 500.00  10.00  10.00   No Charge
   
F14 Cash Advance Fee :          
  a. TBL ATM 1%  1%   N/A 1% *   No Charge
b. ATM at abroad N/A  N/A   2%*  2%*    1 %
c. Q- Cash network ATM 1.5%  1.5%  N/A 1.5% * 60.00
d. BRAC Bank & DBBL ATM 1.5%  1.5%  N/A  1.5% * 70.00
e.  VISA acquiring    ATM Other than Q-cash, BRAC Bank & DBBL ATMs 2%  2%   N/A 2%    Tk.125.00
  f. Cash Advance From TBL POS/ATM 1.00% 1.00% N/A 1.00%  No Charge
F15 Return Cheque  Fee  500.00  500.00  N/A 8.00*   Tk.200.00
F16 Balance Transfer Fee 1.00% 1.00% 1%* 1%* No Charge
F17 Balance Transfer Interest Rate (Per Month) 1.75% 1.75% 1.75% 1.75% 1.50%
F18 Minimum Payment Due 500.00 or 5% whichever higher 500.00 or 5% whichever higher 8.00 8.00 500.00 or 5% whichever higher
F19 Interest Rate ( Applicable if full due amount not paid) 2.50% 2.50% 2.50% 2.50% 1.50%
F20 Card Cheque Book Fee 12 Leaves- First Book No Charge No Charge N/A No Charge No Charge
F21 Card Cheque Book Fee 12 Leaves- Second Onwards 150.00 150.00 N/A N/A No Charge
F22 Card Cheque Book Fee 25 Leaves 250.00 250.00 N/A N/A No Charge
F23 Transaction Alter Fee( Per Year) 100.00 100.00 N/A 3.00* No Charge
F24 Card Cheque Processing Fee 1% 1% N/A 1%* Tk.50.00
F25 Out Station Cheque Processing Fee 200.00 200.00 5* 5.00* No Charge
F26 Certificate Fee 150.00 150.00 3.00 3.00 No Charge
F27 Duplicate Statement 1 Fee 100.00 100.00 3.00 3.00 No Charge
F28 Risk Assurance Fee-on the Outstanding 0.35% 0.35% 0.35% 0.35% N/A
F29 SMS Fee (Per Year)** Tk.60 Tk.60 1.00 1.00 No Charge
F30 Sales slip Retrieval Fee  150.00 150.00 10.00 10.00 No Charge
F31 Out station Cheque Collection Fee  200.00 250.00 15* 15* Tk.100.00
  Notes:          
  1.* Domestic Uses Only.          
  2. All charges/ fees mentioned above are exclusive of VAT. Amount of VAT are  to be realized in the applicable case as per VAT Act, 1991 and VAT Rules,1991.
 
  3. Management May Waive part or full amount of the above mentioned charges to the valued Clients.
  4. ** SMS Fee Per Year & Transaction Alert Fee Per Year will be charged along with first statement.
  5. In case of  Loan in same products,  ESF will not be applicable and loan processing fee will be charged on Net disbursement amount.
 
  6. In case of Loan in other products, prior approval is required from competent authority before adjustment.