RETAIL BANKING GENERAL TARIFF OF CHARGES
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- Karin Kimberly Tate
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1 RETAIL BANKING GENERAL TARIFF OF CHARGES
2 RETAIL BANKING GENERAL TARIFF OF CHARGES BANKING SERVICE CHARGES Personal Banking Advance* Additional Information Account Charges Savings Accounts Monthly minimum balance (monthly average) Monthly charge if below minimum balance Current Accounts Monthly minimum balance (monthly average) Monthly charge if below minimum balance 1 (BHD 1.05 inclusive 5 (BHD 5.25 inclusive N/a N/a or equivalent amount in foreign currency Free for Orphans, widows, disabled customers, pensioners, individuals receiving social subsidies from the Ministry of Labour and Social Affairs, Students and Bahraini nationals with a monthly salary below BHD 250 or equivalent amount in foreign currency Free for Orphans, widows, disabled customers, pensioners, individuals receiving social subsidies from the Ministry of Labour and Social Affairs, Students and Bahraini nationals with a monthly salary below BHD 250 Overdrawn Current Account (monthly) 5 (BHD 5.25 inclusive Issuing Cheque Books: Small (25 leaves) 2.5 (BHD inclusive Free 2
3 RETAIL BANKING GENERAL TARIFF OF CHARGES Fixed Deposits Minimum Deposit Amount or equivalent amount in foreign currency Breaking prior to maturity (irrespective of tenure) 25 Call Deposits Monthly Charge if below minimum Balance 3 (BHD 3.15 inclusive N/a Minimum Balance of BHD 10,000 Advance Monthly Service Charge N/a International Accounts 5(BHD 5.25 inclusive of VAT) Free for customers meeting the deposit criteria International Account Opening charges OTHER CHARGES USD200 (USD 210 inclusive USD100 (USD 105 inclusive of VAT) Internal Transfer between HSBC Accounts External Transfer Standing Order - Setup 0.4( BHD.42inclusive Refer to Wire Transfer charges 3 (BHD 3.15 inclusive Charges applicable for over the counter transfers / provided free via ATM, Internet Banking & Phone Banking 3
4 RETAIL BANKING GENERAL TARIFF OF CHARGES Standing Order - Amendments 3 (BHD 3.15 inclusive Penalty for insufficient funds 10 Account Statement Copy of Transaction Documents Account Balance Certificate Reference Letter Fees Stop Payment Discharge Certificate (Non-liability Certificate ) Verification of documents Up to 2 times per year -Free. More than 2 times per year -300 fils (315 fils inclusive per page, subject to a cap of BHD 5 (BHD 5.25 inclusive 10 (BHD 10.5 inclusive 10 (BHD 10.5 inclusive 10 (BHD 10.5 inclusive 5 (BHD 5.25 inclusive Within 6 months of the loan/credit facility closure -Free. After 6 months -BHD 5 (BHD 5.25 inclusive 10 (BHD 10.5 inclusive Free for Orphans, widows, disabled customers, pensioners, individuals receiving social subsidies from the Ministry of Labour and Social Affairs, Students and Bahraini nationals with a monthly salary below BHD 250 May be done only for HSBC Group Banks 4
5 RETAIL BANKING GENERAL TARIFF OF CHARGES Full Credit Bureau Report Request International Courier Delivery Charge CHEQUE COLLECTION 5 (BHD 5.25 inclusive (BHD BHD 21 inclusive Varies based on factors such as location, size and weight Incoming Cheques No Charge Outgoing Cheques No Charge Cheque Returned by the Bank No Charge Cheque Returned to the Bank 14 (BHD 14.7 inclusive Cheques drawn on other banks returned unpaid Cheques drawn on HSBC returned unpaid for the reason: refer to drawer/not arranged for/ represent// insufficient fund Foreign Currency Cheques sent for collection Cheques purchased For cheque(s) accepted for physical collection, processing time will be approximately 6-8 weeks and Drawee Bank charges may apply, which vary from USD 45 (US$ inclusive to USD 200 (US$ 210 inclusive of VAT). Courier charges may apply on USD cheques drawn on HSBC entities and affiliates for clearing through physical collection outside Bahrain. BHD 10/- for postage (BHD 10.5 inclusive, commission - 0.2% (.21% inclusive of the cheque amount, minimum BHD 5/- (BHD 5.25 inclusive max 200/- (BHD 210 inclusive Returned Cheque drawn on account, due to Technical Reasons FCY Inward Remittances 10 (BHD 10.5 Inclusive 0.2% (.21% inclusive Minimum BHD 5 (BHD 5.25 inclusive - Max BHD 200/ (BHD 210 inclusive 5
6 RETAIL BANKING GENERAL TARIFF OF CHARGES CASH WITHDRAWAL CHARGES Over the Counter withdrawal below BHD 1500/- N/a 5 (BHD 5.25 inclusive of VAT) No charges for disabled customers Over the Counter withdrawal below BHD 1000/- Counting coins 5 (BHD 5.25 inclusive 5(BHD 5.25 inclusive 5 (BHD 5.25 inclusive of VAT) per withdrawal. No charges for disabled customers BHD 5/- (BHD 5.25 inclusive regardless of the amount being counted Cash withdrawal from foreign currency accounts Free CASH DEPOSIT CHARGES Cash deposit into foreign currency accounts Free REMITTANCE FEES Issue of Demand Draft through Bank Account 3 (BHD 3.15 inclusive DDs will not be issued against cash or cheques over the counter Cancellation of Demand Draft Free Collection of International Managers Cheque 12 (BHD 12.6 inclusive BHD 5/- ( BHD 5.25 inclusive if drawn on HSBC Group Issue of Cashier s Order 3 (BHD 3.15 inclusive Cancellation of Cashiers Order Free Fixed TT Charges when Overseas charges are to be debited to the account of the remitter - charges will be debited to the account the following day 10 (BHD 10.5 inclusive 10 (BHD 10.5 inclusive of VAT) 6
7 RETAIL BANKING GENERAL TARIFF OF CHARGES Payment Investigation Charges - applicable for TTs rejected for errors WIRE TRANSFERS 5 (BHD 5.05 inclusive Charge is applicable for each instance that the transfer is resubmitted Within Kingdom of Bahrain - Fawri + up to BHD100 No Charge Within Kingdom of Bahrain -Other Bahraini Dinar Payments Within Kingdom of Bahrain - Bahraini Dinars through local bank favoring Non-Retail Bank in Bahrain Within Kingdom of Bahrain - Other Currencies Bill Payments -Fawateer Outside Bahrain - HSBC Group Banks Outside Bahrain - non-hsbc Group Banks Outside Bahrain - Bahraini Dinars through local bank favoring overseas bank 0.1 (BHD.105 inclusive 0.4 (BHD.42 inclusive 5 ( BHD 5.25 Inclusive No Charge 5 (BHD 5.25 inclusive (BHD 5.25 inclusive (plus correspondent Bank charges, if any) 0.4 (BHD.42 inclusive (BHD 4/- ( BHD 4.2 inclusive if done over the internet) BHD 4/- if done over the internet (BHD 4.2 inclusive BHD 4/ (BHD 4.2 incluive - if done over the internet (plus correspondent Bank charges, if any) Global Transfers (Me2Me) N/a No Charge DEBIT CARDS (Local & International) Initial No Charge Replacement 5 (BHD 5.25 inclusive 7
8 RETAIL BANKING GENERAL TARIFF OF CHARGES Cash Withdrawal & Balance Inquiry ATM usage in Bahrain No Charge ATM usage within GCC (excluding Bahrain) ATM usage outside Bahrain in HSBC ATM ATM usage outside GCC in other Bank ATMs Credit Card ATM Usage to access HSBC Saving/Current account from HSBC ATM (Outside Bahrain) Credit Card ATM Usage to access HSBC Saving/Current account from a Non HSBC ATM (within or Outside of Bahrain) 1 (BHD 1.05 inclusive 2 (BHD 2.1 inclusive ** 2 (BHD 2.1 inclusive 2 (BHD 2.1 inclusive ** 2 (BHD 2.1 inclusive Applicable exchange rate Applicable exchange rate Balance Inquiry Same charges apply as with cash withdrawal Foreign currency transactions on Debit Cards that are not in your billing currency will be converted at a wholesale market rate, attracting a processing fee of up to CREDIT CARDS 2.5% (2.62% inclusive 2.5% (2.62% inclusive of VAT) Finance Charge - Classic Cards 2.50% Finance Charge - Visa Platinum Cards 2.50% Finance Charge - Gold Cards 2.50% Finance Charge - Advance Cards 2.25% Finance Charge - Premier Cards 2.00% 8
9 RETAIL BANKING GENERAL TARIFF OF CHARGES Annual Membership - Classic Cards 20 ( BHD 21 inclusive Annual Membership - Visa Platinum Cards 30 (BHD 31.5 inclusive Annual Membership - Gold Cards 30 ( BHD 31.5 inclusive Free* * If Advance against deposits - 1st year free Annual Membership - Advance Master Cards Free Annual Membership - Premier Cards Free The existing Finance Charge and Annual Fees will remain the same for all bank performed upgrades from Classic to either Gold or Advance Credit Cards. Card Replacement PIN Reissue 5 (BHD 5.25 inclusive 2 (BHD 2.1 inclusive Credit Card Cash Withdrawal Fee Inside Bahrain Outside Bahrain 5% (5.25% inclusive 5% (5.25% inclusive * Standard Finance Charges apply on all Cash withdrawls Minimum BHD (BHD 10.5 inclusive Minimum BHD (BHD 10.5 inclusive 9
10 RETAIL BANKING GENERAL TARIFF OF CHARGES Foreign Currency Transactions are converted into your billing currency by the card scheme (Visa or MasterCard ) using their applicable exchange rates on the day conversion is made (which may involve a conversion to US Dollars first). In addition to this exchange rate conversion, we charge a processing fee (as a percentage of the transaction amount) as set out in our Schedule of Tariffs. 3% (3.15% inclusive on foreign currency transactions Late Payment (monthly charge) Credit Shield Plus Insurance Over Limit (monthly charge) Processing fees for Flexi Installment Plans (FIP) LOANS 15 ( BHD inclusive 12 (BHD 12.6 inclusive Ranges from 1% (1.05% inclusive of VAT) to 4% (4.2% inclusive of the transaction amount, based on plan (3 months plan 1%, 6 months plan 2% and 12 months plan 4%) 15 ( BHD inclusive of VAT) 12 (BHD 12.6 inclusive of VAT) 0.60% of the outstanding amount Interest Rate (annual nominal rate) for Personal Loans 6.25% 6.00% Conditions apply 10
11 RETAIL BANKING GENERAL TARIFF OF CHARGES Administration fees for Personal Loans BHD150 (fixed) ( BHD inclusive BHD150 (fixed) ( BHD inclusive of VAT) Annual Percentage Rate (APR) for Personal Loans 6.71% 6.46% 7 years Personal Loan for BHD 10,000/- (conditions apply) Interest Rate for Auto Loans [NEW vehicle] 5.65% 5 year Auto Loan (Conditions apply) Interest Rate for Auto Loans [USED vehicle] 8.50% 5 year Auto Loan (Conditions apply) Administration fees for Auto Loans Interest Rate (annual nominal rate) for Mortgage Loans 7.49% 6.99% Conditions apply Administration for Mortgage Loans Annual Percentage Rate (APR) for Mortgage Loans 7.60% 7.10% 1% (1.05% inclusive of the loan amount or BHD 200/- (BHD 210 inclusive whichever is higher 25 years Mortgage Loan for BHD 100,000/- (conditions apply) Property evaluation fee for Mortgage Loans Partial Settlement Fees Personal/Auto Loans *From BHD 50 (BHD 52.5 inclusive to BHD 80 (BHD 84 inclusive. *The fee depends on type of property and the evaluation company 1% (1.05% inclusive of outstanding OR BHD 100/- (BHD 105 inclusive whichever is lower 11
12 RETAIL BANKING GENERAL TARIFF OF CHARGES Mortgage Loans 0.75% (.787% inclusive of the amount settled OR BHD 200/- (BHD 210 inclusive whichever is lower Early Settlement Fees Personal/Auto Loans Mortgage Loans Postponement of Installment Past Due (Monthly) - Personal / Mortgage/ Auto Loans Loan Balance Certificate OVERDRAFTS Interest Rates 10 (BHD 10.5 inclusive 2% ( 2.10% inclusive Penalty Interest on the overdue amount Once a Year Free. More than once a year BHD 10 ( BHD inclusive of VAT) 1% (1.05% inclusive of outstanding OR BHD 100/- (BHD 105 inclusive whichever is lower 0.75% (.787% inclusive of outstanding OR BHD 200/ ( BHD 210 inclusive - whichever is lower BHD 10/- (BHD 10.5 inclusive per installment Certificate addressed to supreme Council for Women or Ministries or for Social housing purpose - Free Ranges from 7.35% to 13.75% based on financial assessment 12
13 RETAIL BANKING GENERAL TARIFF OF CHARGES Administrative Fees (New or Renewal) Ranges from 0.75% (.787% Inclusive to 2.00% (2.1% inclusive of VAT) OR BHD 100/-(BHD 105 inclusive whichever is higher PAYMENT INVESTIGATION CHARGES Amendment - Requested by customer Beneficiary claim no receipt - Customer error Recall Funds - Less than six months Recall Funds - More than six months 5 (BHD 5.25 inclusive 5 (BHD 5.25 inclusive 5 (BHD 5.25 inclusive 10 (BHD 10.5 inclusive Additional USD 40/- (US$ 42 inclusive will be charged for other Bank charges. Additional USD 80/- (US$ 84 inclusive will be charged for other Bank charges. * for Advance customers, if no specific charge is mentioned, Personal Banking Charges to apply * Unless stated, all charges are in BHD * Effective Date **Effective Date Issued by HSBC Bank Middle East Limited Bahrain Branch, P.O. Box 57, Manama, Kingdom of Bahrain, licensed and regulated by the Central Bank of Bahrain as a Conventional Retail Bank for the purposes of this promotion and lead regulated by the Dubai Financial Services Authority. CRN181213/BAH 13
14 RETAIL BANKING GENERAL TARIFF OF CHARGES SCHEDULE OF SERVICES AND TARIFFS - AMANAH HSBC Bahrain NO LONGER OFFERS NEW AMANAH PRODUCTS SINCE THE AMANAH TARIFFS ARE ONLY APPLICABLE TO ANY EXISTING AMANAH CUSTOMERS Amanah Current Account: Monthly Minimum Balance Monthly Charge if below minimum Balance Amanah Current (None Checking) Account : Monthly Minimum Balance Monthly Charge if below minimum Balance Amanah Personal Finance Balance Certificate Discharge Certificate (No Liability Certificate) Early settlement of Amanah Personal Finance Past due fees (Monthly Vehicle Finance Balance Certificate Discharge Certificate (No Liability Certificate) Early settlement of Amanah Vehicle Finance Past due fees (Monthly) Fee or equivalent amount in foreign currency 8 (BHD 8.4 inclusive or equivalent amount in foreign currency 1 (BHD 1.05 inclusive 10 (BHD 10.5 inclusive 10 (BHD 10.5 inclusive Current month profit to be added to the O/S Balance 10% (10.5% inclusive p.a on the overdue amount 10 (BHD 10.5 inclusive 10 (BHD 10.5 inclusive Current month profit to be added to the O/S Balance 20 (BHD 21 inclusive * Unless stated, all charges in are BHD * Amanah Tariffs Effective Date 1 st January,
15 اخلدمات املرصفية لألفراد التعرفة العامة لرسوم اخلدمات املرصفية لألفراد
16 اخلدمات املرصفية لألفراد التعرفة العامة لرسوم اخلدمات املرصفية لألفراد رسوم اخلدمات املرصفية اخلدمات املرصفية لألفراد أدفانس* معلومات إضافية رسوم عىل احلسابات حسابات التوفري احلد األدىن للرصيد الهشري )املتوسط الهشري( أو ما يعادله بالعملة األجنبية جمان ا لأليتام واألرامل والعمالء من أحصاب الرسوم الهشرية يف حالة اخنفاض الرصيد عن احلد األدىن ) د.ب شاملة رضيبة القمية ال يطبق اهلمم واملتقاعدين واألفراد احلاصلني عىل الدمع االجمتايع من وزارة العمل والشؤون االجمتاعية والطالب واملواطنني البحرينيني ذوي الدخل الهشري أقل من 250 د.ب احلسابات اجلارية احلد األدىن للرصيد الهشري )املتوسط الهشري( أو ما يعادله بالعملة األجنبية الرسوم الهشرية يف حالة اخنفاض الرصيد عن احلد األدىن ال يطبق جمان ا لأليتام واألرامل والعمالء من أحصاب اهلمم واملتقاعدين واألفراد احلاصلني عىل الدمع االجمتايع من وزارة العمل والشؤون االجمتاعية والطالب واملواطنني البحرينيني ذوي الدخل الهشري أقل من 250 د.ب الحسب عىل املكشوف للحساب اجلاري )الهشري( إصدار دفاتر شياكت: صغري )25 ورقة( ) د.ب شاملة رضيبة القمية جمان ا 2
17 ( ). 10, ) 3 (. 5.25) 5 ( ) ( 210) 200 ( /. 0.42) 0.4 (. 3.15) 3 ( -
18 اخلدمات املرصفية لألفراد التعرفة العامة لرسوم اخلدمات املرصفية لألفراد أمر دفع دامئ - التعديالت غرامة عدم كفاية الرصيد ) د.ب شاملة رضيبة القمية 10 كشف احلساب حىت مرتني سنوي ا - جمان ا أكرث من مرتني سنوي ا فلس )315 فلس شاملة رضيبة القمية املضافة للصفحة الواحدة حبد أقىص 5 د.ب )5.25 د.ب شاملة رضيبة القمية املضافة جمان ا لأليتام واألرامل والعمالء من أحصاب اهلمم واملتقاعدين واألفراد احلاصلني عىل الدمع االجمتايع من وزارة العمل والشؤون االجمتاعية والطالب واملواطنني البحرينيني ذوي الدخل الهشري أقل من 250 د.ب نخسة من وثائق املعاملة هشادة برصيد احلساب رسوم رسالة إقرار إيقاف الدفع ) د.ب شاملة رضيبة القمية ) د.ب شاملة رضيبة القمية ) د.ب شاملة رضيبة القمية هشادة براءة ذمة ( هشادة عدم املسؤولية القانونية( خالل 6 هشور من تسوية القرض/ التهسيل االئمتاين - جمان ا بعد 6 هشور- 5 د.ب )5.25 د.ب شاملة رضيبة القمية التصديق عىل الوثائق ) د.ب شاملة رضيبة القمية يمت إجراؤه ملجموعة أتش إس يب يس فقط 4
19 اخلدمات املرصفية لألفراد التعرفة العامة لرسوم اخلدمات املرصفية لألفراد طلب تقرير اكمل من مركز املعلومات االئمتانية رسوم الربيد الرسيع الدويل حتصيل الشياكت شياكت واردة شياكت صادرة شياكت مرجعة بواسطة البنك شياكت مرجعة للبنك ختتلف الرسوم عىل حسب عدة عوامل مثل املوقع واحلجم والوزن 5.25( د.ب - 21 د.ب شاملة رضيبة القمية بدون رسوم بدون رسوم بدون رسوم ) د.ب شاملة رضيبة القمية شياكت مرجعة غري مدفوعة محسوبة عىل بنوك أخرى شياكت مرجعة غري مدفوعة محسوبة عىل بنك أتش إس يب يس بسبب الرجوع إىل الساحب/مل يمت الرتتيب هلا/ إعادة تقدمي/رصيد غري اكف شياكت بالعملة األجنبية املرسلة للتحصيل شياكت مشرتاة شياكت مرجعة محسوبة عىل احلساب نتيجة أسباب فنية خبصوص الشياكت املقبولة للتحصيل الفعيل قد يستغرق إجنازها من 6 إىل 8 أسابيع وقد يطبق البنك املحسوب هيلع مصاريف بنكية ترتاوح من 45 دوالر أمرييك )25,47 دوالر أمرييك شاملة رضيبة القمية إىل 200 دوالر أمرييك )210 دوالر أمرييك شاملة رضيبة القمية املضافة(. وقد تطبق رسوم بريد رسيع عىل الشياكت الصادرة بالدوالر األمرييك واملحسوبة عىل مجموعة أتش إس يب يس والرشاكت التابعة هلا من أجل التسوية من خالل التحصيل الفعيل خارج مملكة البحرين. 10 د.ب رسوم بريدية )10.5 د.ب شاملة رضيبة القمية املضافة(- معولة % 0.2 ( 0.21 % شاملة رضيبة القمية من مبلغ الشيك حبد أدىن 5 د.ب ( 5.25 د.ب شاملة رضيبة القمية وحبد أقىص 200 د.ب )210 شاملة رضيبة القمية املضافة(. ) د.ب شاملة رضيبة القمية ) د.ب شاملة رضيبة القمية حد أدىن 5 د.ب )5.25 د..ب شاملة رضيبة القمية املضافة ) - حد أقىص 200 د.ب )210 د.ب شاملة رضيبة القمية FCY Inward Remittances 5
20 اخلدمات املرصفية لألفراد التعرفة العامة لرسوم اخلدمات املرصفية لألفراد رسوم الحسب النقدي حسب مبلغ أقل من 1500 د.ب من فروع البنك ال يطبق 5.25( 5 د.ب شاملة رضيبة القمية ال رسوم للعمالء من أحصاب اهلمم حسب مبلغ أقل من 1000 د.ب من فروع البنك 5.25( 5 د.ب شاملة رضيبة القمية للك معلية حسب. ال رسوم للعمالء من أحصاب اهلمم عد العمالت املعدنية 5 د.ب )5.25 د..ب شاملة رضيبة القمية املضافة ) بغض النظر عن املبلغ الذي يمت عده حسب نقدي من حسابات بالعملة األجنبية جمان ا رسوم اإليداع النقدي إيداع نقدي إىل احلسابات األجنبية جمان ا رسوم احلواالت إصدار حوالة )مكبيالة( عرب احلساب املرصيف ) د.ب شاملة رضيبة القمية لن يمت إصدار حوالة )مكبيالة( مقابل نقد أو شياكت يف الفروع إلغاء حوالة )مكبيالة( جمان ا حتصيل الشياكت املرصفية الدولية ) د.ب شاملة رضيبة القمية 5 د.ب )5.25 د..ب شاملة رضيبة القمية املضافة ) إذا مت الحسب عىل مجموعة أتش إس يب يس إصدار شيك مرصيف حميل ) د.ب شاملة رضيبة القمية إلغاء شيك مرصيف حميل جمان ا يمت خصم رسوم ثابتة للتحويل الربيق من حساب مرسل احلوالة سيمت خصم الرسوم من احلساب يف اليوم التايل ) د.ب شاملة رضيبة القمية 10.5( 10 د.ب شاملة رضيبة القمية 6
21 اخلدمات املرصفية لألفراد التعرفة العامة لرسوم اخلدمات املرصفية لألفراد رسوم التحقيق املتعلقة بعمليات الدفع تطبق عىل التحويالت الربقية املرفوضة نتيجة أخطاء التحويالت الربقية داخل مملكة البحرين - فوري + حىت 100 د.ب داخل مملكة البحرين -املدفوعات األخرى بالدينار البحريين داخل مملكة البحرين - بالدينار البحريين من خالل بنك حميل لصاحل بنك غري جتزئة يف البحرين داخل مملكة البحرين - معالت أخرى دفع الفواتري - فواتري خارج مملكة البحرين - بنوك تابعة ملجموعة أتش إس يب يس خارج مملكة البحرين - بنوك غري تابعة ملجموعة أتش إس يب يس خارج البحرين - بالدينار البحريين من خالل بنك حميل لصاحل بنك خاريج ) د.ب شاملة رضيبة القمية بدون رسوم ) د.ب شاملة رضيبة القمية ) د.ب شاملة رضيبة القمية بدون رسوم ) د.ب شاملة رضيبة القمية إضافة إىل رسوم املراسالت البنكية األخرى إن وجدت ) د.ب شاملة رضيبة القمية تطبق الرسوم عىل لك مرة يمت فهيا إعادة إرسال التحويل 4 د.ب )4.2 د..ب شاملة رضيبة القمية املضافة ) إذا متت العملية عرب اإلنرتنت 4 د.ب )4.2 د..ب شاملة رضيبة القمية املضافة ) إذا متت العملية عرب اإلنرتنت 4 د.ب )4.2 د..ب شاملة رضيبة القمية املضافة ) إذا متت العملية عرب اإلنرتنت )إضافة إىل رسوم املراسالت البنكية األخرى إن وجدت( التحويالت العاملية )Me2Me( بطاقات اخلصم )احمللية والدولية( إصدار البطاقة لملرة األوىل استبدال البطاقة ال تطبيق بدون رسوم بدون رسوم 7
22 اخلدمات املرصفية لألفراد التعرفة العامة لرسوم اخلدمات املرصفية لألفراد الحسب النقدي واالستفسار عن الرصيد استخدام جهاز الرصف اآليل يف مملكة البحرين استخدام جهاز الرصف اآليل يف دول جملس التعاون اخلليجي )باستثناء البحرين( استخدام جهاز الرصاف اآليل خارج البحرين يف أجهزة الرصاف اآليل التابعة لبنك أتش إس يب يس استخدام جهاز الرصاف اآليل خارج دول جملس التعاون اخلليجي يف أجهزة الرصاف اآليل التابعة لبنوك أخرى استخدام جهاز الرصاف اآليل للبطاقة االئمتانية لإلطالع عىل حساب التوفري/احلساب اجلاري يف بنك أتش إس يب يس من جهاز رصاف آيل تابع لبنك أتش إس يب يس)خارج البحرين( استخدام بطاقات االئمتان للوصول إىل حساب التوفري/احلساب اجلاري من إتش إس يب يس خالل رصاف آيل غري تابع لبنك أتش إس يب يس )داخل أو خارج البحرين( االستعالم عن الرصيد معامالت العمالت األجنبية اليت متت باستخدام بطاقات اخلصم بعملة خمتلفة عن معلة الفواتري اخلاصة هبا سيمت حتويلها باستخدام سعر سوق امجللة بطاقات االئمتان رسوم المتويل - بطاقات كالسيك بدون رسوم ) د.ب شاملة رضيبة القمية )2.1 2 د.ب شاملة رضيبة القمية )2.1 2 د.ب شاملة رضيبة القمية تطبق نفس الرسوم السارية عىل الحسب النقدي ) د.ب شاملة رضيبة القمية 2.62( 2.5 د.ب شاملة رضيبة القمية يطبق سعر الرصف الساري يطبق سعر الرصف الساري %2.50 %2.50 %2.50 %2.25 %2.00 رسوم المتويل - بطاقات فزيا بالتينيوم رسوم المتويل - البطاقات الذهبية رسوم المتويل - بطاقات أدفانس رسوم المتويل - بطاقات برمييري )2.1 2 د.ب شاملة رضيبة القمية املضافة(** )2.1 2 د.ب شاملة رضيبة القمية املضافة(** 8
23 اخلدمات املرصفية لألفراد التعرفة العامة لرسوم اخلدمات املرصفية لألفراد رسوم العضوية السنوي - بطاقات كالسيك )21 20 د.ب شاملة رضيبة القمية رسوم العضوية السنوية - بطاقات فزيا بالتينيوم ) د.ب شاملة رضيبة القمية رسوم العضوية السنوية - البطاقات الذهبية ) د.ب شاملة رضيبة القمية *جمان ا * إذا اكن حساب أدفانس مقابل وديعة - السنة األوىل جمان ا رسوم العضوية السنوية - بطاقات أدفانس ماسرت جمان ا رسوم العضوية السنوية - بطاقات برمييري جمان ا رسوم المتويل والرسوم السنوية ستظل ثاتبة لاكفة معليات الرتقية اليت تمت بواسطة البنك من بطاقة كالسيك إىل البطاقتني الذهبية أو أدفانس استبدال البطاقة إعادة إصدار رمق التعريف الخشيص )2.1 2 د.ب شاملة رضيبة القمية رسوم الحسب النقدي بواسطة بطاقة االئمتان داخل البحرين خارج البحرين تطبق رسوم متويل ثابتة عىل اكفة معليات الحسب* حد أدىن د.ب )10.5 د.ب شاملة رضيبة القمية حد أدىن د.ب )10.5 د.ب شاملة رضيبة القمية 9
24 اخلدمات املرصفية لألفراد التعرفة العامة لرسوم اخلدمات املرصفية لألفراد يتم تحويل المعاملات بالعملة الا جنبية ا لى عملة فواتيركم عن طريق نظام البطاقة فيزا ا و ماستركارد وذلك باستخدام ا سعار الصرف السارية في تاريخ يوم ا جراء التحويل الذي قد يتضمن تحويلا ا لى الدولار الا مريكي ا ولا. وبالا ضافة ا لى سعر الصرف عند التحويل سوف تحتسب رسوم كنسبة مي وية من قيمة مبلغ المعاملة( كما هو منصوص عليه في جدول رسوم التعرفة. )3.15 %3 د.ب شاملة رضيبة القمية عىل املعامالت بالعمالت األجنبية التأخر يف السداد )رسوم هشرية( ) د.ب شاملة رضيبة القمية 15.75( 15 د.ب شاملة رضيبة القمية التغطية التأمينية بالس % 0.60 من املبلغ املستحق جتاوز احلد األئمتاين )رسوم هشرية( ) د.ب شاملة رضيبة القمية 12.6( 12 د.ب شاملة رضيبة القمية ترتاوح من %1 )%1.05 شاملة رضيبة القمية إىل %4 ( 4.2 % شاملة رضيبة القمية الرسوم اإلدارية خلطط القسط املرن من مبلغ العملية عىل أساس )3 أهشر: %1 6 أهشر: %2 12 هشر: )%4 القروض معدل الفائدة )املعدل النسيب السنوي( للقروض الخشصية %6.00 ترسي الرشوط %
25 اخلدمات املرصفية لألفراد التعرفة العامة لرسوم اخلدمات املرصفية لألفراد الرسوم اإلدارية للقروض الخشصية 150 د.ب )ثابتة( )157.5 د.ب شاملة رضيبة القمية 150 د.ب )ثابتة( )157.5 د.ب شاملة رضيبة القمية معدل الفائدة السنوية املوئية للقروض الخشصية قرض خشيص بقمية 10,000 د.ب ملدة 7 سنوات )ترسي الرشوط( %6.46 %6.71 معدل الفائدة السنوية لقروض السيارات اجلديدة قرض سيارة ملدة 5 سنوات )ترسي الرشوط( %5.65 معدل الفائدة السنوية لقروض السيارات املستعملة قرض سيارة ملدة 5 سنوات )ترسي الرشوط( %8.50 الرسوم اإلدارية لقروض السيارات معدل الفائدة )املعدل النسيب السنوي( للقروض العقارية %6.99 ترسي الرشوط %7.49 الرسوم اإلدارية للقروض العقارية )%1.05 %1 شاملة رضيبة القمية من مبلغ القرض أو 200 د.ب )210 د.ب شاملة رضيبة القمية أهيام أعىل معدل الفائدة السنوية املوئية للقروض العقارية قرض عقاري ملدة 25 سنة بقمية 10,000 د.ب )ترسي الرشوط( %7.10 %7.60 رسوم تقيمي العقارات للقروض العقارية * من 50 د.ب )52.5 د.ب شاملة رضيبة القمية إىل 80 د.ب )84 د.ب شاملة رضيبة القمية * تعمتد الرسوم عىل نوع العقار ورشكة التقيمي رسوم التسوية اجلزئية القروض الخشصية/قروض السيارات )%1.05 %1 شاملة رضيبة القمية من املبلغ املتبيق أو 100 د.ب ) 105 د.ب شاملة رضيبة القمية أهيام أقل 11
26 اخلدمات املرصفية لألفراد التعرفة العامة لرسوم اخلدمات املرصفية لألفراد القروض العقارية )%0.787 %0.75 شاملة رضيبة القمية من املبلغ الذي متت تسويته أو 200 د.ب )210 د.ب شاملة رضيبة القمية أهيام أقل رسوم التسوية املبكرة القروض الخشصية/قروض السيارات القروض العقارية تأجيل القسط تأخر السداد )هشري ا- القروض الخشصية/العقارية/ قروض السيارات ) د.ب شاملة رضيبة القمية ) د.ب شاملة رضيبة القمية غرامة عىل املبلغ املتأخر سداده )%1.05 %1 شاملة رضيبة القمية من املبلغ املتبيق أو 100 د.ب ) 105 د.ب شاملة رضيبة القمية أهيام أقل )%0.787 %0.75 شاملة رضيبة القمية من املبلغ الذي متت تسويته أو 200 د.ب )210 د.ب شاملة رضيبة القمية أهيام أقل 10 د.ب )10.5 د.ب شاملة رضيبة القمية للك قسط هشادة برصيد القرض الحسب عىل املكشوف معدالت الفائدة مرة واحدة سنوي ا - جمان ا أكرث من مرة واحدة سنوي ا- 10 د.ب )10.50 د.ب شاملة رضيبة القمية املضافة الهشادة املوجهة إىل املجلس األعىل لملرأة أو الوزارات أو لغرض السكن االجمتايع - جمان ا ترتاوح من %7.35 إىل %13.75 عىل حسب التقيمي املايل 12
27 اخلدمات املرصفية لألفراد التعرفة العامة لرسوم اخلدمات املرصفية لألفراد الرسوم اإلدارية طلب جديد أو جتديد( ترتاوح من %0.75 )%0.787 شاملة رضيبة القمية إىل %2.00 )%2.1 شاملة رضيبة القمية أو 100 د.ب )105 د.ب شاملة رضيبة القمية أهيام أعىل رسوم التحقيق املتعلق بعمليات الدفع تعديل - طلب من العميل إدعاء املستفيد بعدم وجود إيصال - خطأ من العميل اسرتجاع أموال - أقل من ستة هشور اسرتجاع أموال - أكرث من ستة هشور ) د.ب شاملة رضيبة القمية تطبق رسوم إضافية بقمية 40 دوالر أمرييك )42 دوالر أمرييك شاملة رضيبة القمية لتغطية الرسوم املرصفية األخرى تطبق رسوم إضافية بقمية 80 دوالر أمرييك )84 دوالر أمرييك شاملة رضيبة القمية لتغطية الرسوم املرصفية األخرى تطبق رسوم الخدمات المصرفية الشخصية لعملاء ا دفانس ا ذا لم ينص على رسوم محددة. كل الرسوم بالدينار البحريني ما لم ينص على خلاف ذلك تسري اعتبارا من ٢٠١٩ ٠٢ ٠١ تسري اعتبارا من ٢٠١٩ ٠٣ ٠١ * * * ** صدر من بنك HSBC الرشق األوسط احملدود فرع البحرين ص.ب 57 املنامة مملكة البحرين مرخص وخيضع لقوانني مرصف البحرين املركزي باعتباره مرصف جتزئة تقليدي وخيضع للتنظمي الرئييس من قبل سلطة ديب للخدمات املالية CRN181213/BAH 13
28 اخلدمات املرصفية لألفراد التعرفة العامة لرسوم اخلدمات املرصفية لألفراد جدول اخلدمات والتعرفة - أمانة بنك أتش إس يب يس البحرين مل يعد يقدم منتجات أمانة جديدة منذ عام 2012 ترسي تعرفة أمانة فقط عىل أي معيل حايل حلساب أمانة حساب أمانة اجلاري: احلد األدىن للرصيد الهشري الرسوم الهشرية يف حالة اخنفاض الرصيد عن احلد األدىن حساب أمانة اجلاري )بدون شياكت( احلد األدىن للرصيد الهشري الرسوم الهشرية يف حالة اخنفاض الرصيد عن احلد األدىن المتويل الخشيص من أمانة هشادة برصيد هشادة براءة ذمة ( هشادة عدم املسؤولية القانونية( التسوية املبكرة للمتويل الخشيص من أمانة تأخر السداد )هشري ا( متويل السيارات هشادة برصيد هشادة براءة ذمة ( هشادة عدم املسؤولية القانونية( التسوية املبكرة للمتويل الخشيص من أمانة تأخر السداد )هشري ا( الرسوم أو ما يعادله بالعملة األجنبية )8.4 8 د.ب شاملة رضيبة القمية أو ما يعادله بالعملة األجنبية ) د.ب شاملة رضيبة القمية ) د.ب شاملة رضيبة القمية ) د.ب شاملة رضيبة القمية يضاف رحب الهشر احلايل عىل الرصيد املتبيق ) د.ب شاملة رضيبة القمية سنوي ا عىل املبلغ املتأخر ) د.ب شاملة رضيبة القمية ) د.ب شاملة رضيبة القمية يضاف رحب الهشر احلايل عىل الرصيد املتبيق )21 20 د.ب شاملة رضيبة القمية * لك الرسوم بالدينار البحريين ما مل ينص عىل خالف ذلك. * ترسي تعرفة حساب أمانة اعتبار ا من 1 يناير
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