| 7. | DEBIT CARDS | ||
| 7.1. | Issue of the first card | free of charge | |
| 7.2. | Additional debit card | 30 ЕЕК | 1.92 EUR |
| 7.3. | Card replacement upon expiry | free of charge | |
| 7.4. | Card extra replacement | 30 ЕЕК | 1.92 EUR |
| 7.5. | Monthly card administration fee | 10 ЕЕК | 0.64 EUR |
for personal banking | free of charge | ||
for young people at the age of 7-18 | free of charge | ||
for young people at the age of 18-25 | free of charge | ||
for persons over 55 years | free of charge | ||
| 7.6. | Card payment transaction | free of charge | |
| 7.7. | Cash withdrawal from ATMs | ||
| in Estonia : | |||
| - physical person | 17 ЕЕК (once a month - free of charge) | 1.09 EUR (once a month - free of charge) | |
| - personal banking & physical person over 55 years | 17 ЕЕК (twice a month - free of charge) | 1.09 EUR (twice a month - free of charge) | |
- legal person | 17 ЕЕК + 0,3% out of the amount | 1.09 EUR + 0,3 % out of the amount | |
| Cash withdrawal at other bank's offices | 2.5% of the amount | ||
abroad | 2,5% + 30 ЕЕК | 2.5 % +1.92 EUR | |
| 7.8. | Copy of card transaction receipt | ||
transaction in Estonia | 40 ЕЕК | 2.56 EUR | |
transaction abroad | 100 ЕЕК | 6.39 EUR | |
| 7.9. | Penalty on unjustified refund request | ||
transaction in Estonia | 50 ЕЕК | 3.20 EUR | |
transaction abroad | 100 ЕЕК | 6.39 EUR | |
| 7.10. | Blocking card at customers request | free of charge | |
| 7.11. | Blocking card at banks own initiative | free of charge | |
| 7.12. | Unblocking card | free of charge | |
| 7.13. | Penalty on overdraft | 0,1% per day on the amount overdrawn | |
| 7.14. | Change of transactions limit | free of charge | |
| 7.15. | Penalty for the use of blocked card | 50 EEK | 3.20 EUR |
| 7.16. | Notice of indebtedness by post | 20 EEK | 1.28 EUR |
| 7.17. | Information inquiry at ATM (account balance and last transactions) | 3 EEK / inquiry | 0.19 EUR |
| for personal banking | free of charge | ||
| 7.18 | Protest of card transaction | in accordance with MasterCard rates + 120 EEK | in accordance with MasterCard’s rates + 7.67 EUR |
| “DEEBET PLUSS” CARD | |||
| 7.18. | Issue of the first card | free of charge | |
| 7.19. | Issue of a new card upon expire | free of charge | |
| 7.20. | Debit card exchange for “Deebet Pluss” card | free of charge | |
| 7.21. | “Deebet Pluss” card replacement | 30 EEK | 1.92 EUR |
| 7.22. | Monthly card service fee | free of charge | |
| 7.23. | Annual interest rate for overdrawn account | 8 % | |
| 7.24. | Card payments and other card transactions | free of charge | |
| 7.25. | Cash withdrawal from ATMs: | ||
in Estonia : | |||
private individuals | 17 EEK (once a month - free of charge) | 1.09 EUR (once a month - free of charge) | |
| personal banking & private individuals over 55 years | 17 EEK (twice a month - free of charge) | 1.09 EUR (twice a month - free of charge) | |
| Cash withdrawal at other bank's offices | 2.5% of the amount | ||
| 7.26. | Copy of card transaction receipt: | ||
transaction in Estonia | 40 EEK | 2.56 EUR | |
transaction abroad | 100 EEK | 6.39 EUR | |
| 7.27. | Penalty for unjustified refund request: | ||
transaction in Estonia | 50 EEK | 3.20 EUR | |
transaction abroad | 100 EEK | 6.39 EUR | |
| 7.28. | Blocking the card at customers request | free of charge | |
| 7.29. | Blocking the card at the banks initiative | free of charge | |
| 7.30. | Unblocking the card | free of charge | |
| 7.31. | Change of the card limit | free of charge | |
| 7.32. | Change of the credit amount | free of charge | |
| 7.33 | Penalty for using the closed, blocked-up or expired card | 500 EEK | 31.96 EUR |
| 7.34. | Fine for breaching payment obligation | 0.1% of the amount per day | |
| 7.35 | Breach of payment obligation for the period exceeding 60 days | 10% of the amount, min. EEK 1,000 | 10% of the amount, min. 63.91 EUR. |
| 7.36. | Notification related to debt by mail | 20 EEK | 1.28 EUR |
| 7.37. | Expenses related to debt collection | actual expenses | |
| 7.38. | Services rendered by collection firms | actual expenses | |
| 7.39. | Information enquiries from ATM (statement of account, last transactions) | 3 EEK / enquiry | 0.19 / enquiry |
| for personal banking | free of charge | ||
| 7.40 | Protest of card transaction | in accordance with MasterCard rates + 120 EEK | in accordance with MasterCard’s rates + 7.67 EUR |
| 8. | CREDIT CARDS | ||
| 8.1. | Annual fee | ||
Eurocard/MasterCard Standard | 400 ЕЕК per year | 25.56 per year | |
non-residents | 800 ЕЕК per year | 51.13 EUR per year | |
| for personal banking | 100 EEK per year | 6.39 EUR per year | |
Eurocard/MasterCard Business | 400 ЕЕК per year | 25.56 EUR per year | |
| for personal banking | 100 EEK per year | 6.39 EUR per year | |
Non-residents | 1000 ЕЕК per year | 63.91 EUR per year | |
Eurocard/MasterCard Gold | 2000 ЕЕК per year | 127.82 EUR per year | |
| for personal banking | 200 EEk per year | 12.78 EUR per year | |
Non-residents | 3000 ЕЕК per year | 191.73 EUR per year | |
| 8.2. | Annual fee charged on additional card | ||
Eurocard/MasterCard Standard | 200 ЕЕК per year | 12.78 EUR per year | |
Eurocard/MasterCard Business | 250 ЕЕК per year | 15.98 EUR | |
Eurocard/MasterCard Gold | 1000 ЕЕК per year | 63.91 EUR | |
| 8.3. | Card replacement | ||
in Estonia | 100 ЕЕК | 6.39 EUR | |
Abroad | According to the pricelist of MasterCard Europe | ||
| 8.4. | Card payment transaction | free of charge | |
| 8.5. | Cash withdrawal from ATMs | 2,5% + 30 ЕЕК | 2,5% of the amount + 30 1.92 EUR |
| - Cash withdrawal at other bank's offices | 2.5% of the amount | ||
| 8.6. | Monthly card transactions statement | free of charge | |
| 8.7. | Additional card transactions statement | 30 ЕЕК per statement | 1.92 EUR per statement |
| 8.8 | Copy of card transaction receipt | ||
transaction in Estonia | 40 ЕЕК | 25.56 EUR | |
transaction abroad | 100 ЕЕК | 6.39 EUR | |
| 8.9. | Penalty on unjustified refund request | ||
transaction in Estonia | 100 ЕЕК | 6.39 EUR | |
transaction abroad | 150 ЕЕК | 9.59 EUR | |
| 8.10. | Blocking card at customers request | free of charge | |
| 8.11. | Blocking card at banks own initiative | 100 ЕЕК | 6.39 EUR |
| 8.12. | Closing card | free of charge | |
| 8.13. | Penalty fee on the use of closed, blocked or expired card | 1000 ЕЕК | 63.91 EUR |
| 8.14. | Penalty on overdraft | 10% | |
| 8.15. | Penalty on amounts due | 0.1% per day | |
| 8.16. | Notice of indebtedness by post | 50 ЕЕК | 3.20 EUR |
| 8.17. | SMS-Notice of indebtedness | 5 EEK | 0.32 EUR |
| 8.18. | Change of credit limit | 100 ЕЕК | 6.39 EUR |
| 8.19. | Interest paid on security deposit | Equals respective interest rate of a 3-month time deposit | |
| 8.20 | Protest of card transaction | in accordance with MasterCard rates + 120 EEK | in accordance with MasterCard’s rates + 7.67 EUR |