Schedule of Charges for Trust Bank Limited 2013

Trust Bank Limited

 

Sl

Description

Schedule of Charges

 

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

SND / Mudaraba SND

 

 

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

 

Collection of cheques through BACH

 

 Less than Tk. 50,000

 No Charge

No Charge

TBL Staff, Army personnel, soldiers, Army Units will be charged by Bangladesh Bank’s Charges ( to be paid to Bangladesh Bank)

 

Tk. 50, 000 and above but less than Tk. 5,00,000

Tk. 10 (Including VAT)

Tk. 8 payable to BACH + Tk. 2 for presenting Bank

 

High Value: Tk. 5,00,000 and above (Same day clearing)

 Tk. 60 (Including VAT)

Tk. 50 payable to BACH + Tk. 10 for presenting Bank

 

Tk. 5,00,000 and above (If presented as regular value clearing)

Tk. 25 (Including VAT)

Tk. 20 payable to BACH + Tk. 5 for presenting Bank

 
Any EFT Transaction No Charge  
Any G2P transaction (Govt. 2 public payment) No Charge  
Cheque against Govt. receivables (treasury challan / Sp purchase etc), Utility Bill, City corporation/Pourashava Bill 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 Walk-in 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 3rd Bank

At actual charge by 3rd Bank + maximum 0.20% per qtr.

 

C8

FCC – Local

No Charge

 

C9

FCC – Foreign

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 0.15%

 

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 2nd Lien 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

 

 

 

 

 

Trust Bank Limited

 

 

 

 

 

 

 

 

 

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 (except SI# A4i) are exclusive of VAT. Amount of VAT are  to be realized in the applicable case as per VAT Act, 1991 and VAT Rules,1991. For SL# A4i, instruction of FCAD & CCPU is to be followed.

 
   
 

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.