Bank_Service Fee Booklet_

Transcription

1 花旗銀行 收費簡介 Citibank Service Fees

2 Index Relationship Balance Requirement Monthly Fee 3-4 Deposit Service Fee Deposit Service Fee 5-6 Withdrawal Service Fee Check-related Service Fee 7-8 Inward Remittance Fee Outward Remittance Fee Outward Remittance Fee 9-10 Citibank ATM Card Service Fee Safe Deposit Box Fee Other Services Fee Mortgage Loan Account Fee All Fees published in this brochure are applicable to Citigroup Corporate and Investment Banking and Global Consumer Group clients. January 2017 Version 1 2

3 Relationship Balance Requirement # Citigold Client is exclusive for clients who maintain the Average Daily Combined Balance of HK$1,500,000 or above. Otherwise we reserve the right to convert his/her Citigold account to a Citi Priority or Citibanking account. Citigold Private Client is exclusive for clients who maintain the Average Daily Combined Balance of HK$8,000,000 or above. Otherwise we reserve the right to convert his/her Citigold Private Client account to a Citigold account. HK$10,000 HK$500,000 HK$1,500,000 # HK$8,000,000 # Monthly Fee for Local Clients Average Daily Combined Balance 1 Service Fee Threshold HK$10,000 HK$500,000 2 HK$1,000,000 2 Monthly service fee HK$60 3,4 HK$120 HK$300 Monthly Fee for International Personal Banking Clients Average Daily Combined Balance 1 Service Fee Threshold Not applicable Not applicable HK$1,000,000 2 Monthly service fee HK$400 4,5,6 HK$400 4,5,6 HK$500 Deposit Service Fee Bulk Hong Kong Dollar Cash Deposit (per client per day) 7,8 Deposit Threshold 100 notes 200 notes Deposit amount into same currency account 0.5% of total exceed threshold deposit amount % of total deposit amount (Min. HK$50) (Min. HK$50) Bulk Hong Kong Dollar Check Deposit (per client per day) 7 Up to 15 checks Waived Waived HK$1 per Over 15 checks 8 additional check HK$1 per additional check Bulk Foreign Currency Cash Deposit/Exchange (per client per day) 9 US$30,000 equivalent per day or above HK$200 HK$200 Free 1 The Average Daily Combined Balance is calculated based on the sum of your daily balances of deposit, investment and accumulated paid premium* of selected insurance products of all your single name account(s) and joint name account(s), divided by the number of days in the month. For company account, the Average Daily Combined Balance is calculated based on the sum of your company's daily balances of deposit, investment, accumulated paid premium* of selected insurance products and utilised business overdraft facilities, divided by the number of days in the month plus outstanding balance of business loans at the end of the month. Selected insurance products mean insurance policy(ies) with savings element or investment-linked insurance * For insurance policy(ies) with savings element, accumulated paid premium means total premium paid minus value of outstanding policy loan. For investment linked insurance policy(ies), accumulated paid premium means total premium paid minus value of fund sold 2 The monthly service fee will be applied if the Average Daily Combined Balance falls below the Service Fee Threshold Requirement for 3 consecutive months 3 Waived for Citi At Work clients 4 Exemptions apply to (i) senior citizens aged 65 or above; (ii) clients aged below 18; (iii) clients with disabilities; (iv) clients with low income (individual monthly income below HK$7,900 or household monthly income below HK$11,500 for clients who are not working), or those receiving social welfare benefits/government subsidies such as the Comprehensive Social Security Allowance. In each case, self-declaration or supporting documents are required; or (v) non-profit making organization 3 5 The monthly service fee will apply to all International Personal Banking Citibanking and Citi Priority clients, irrespective of the clients Average Daily Combined Balance 6 The monthly service fee will be waived if clients are holding any one of the following products: (i) Mortgage, (ii) Personal Loan, (iii) Insurance. The monthly service fee will be waived for existing Citi At Work clients for 24 months starting from January 1, For new Citi At Work clients, the waiver will be effective for 24 months from the account opening date 7 Including but not limited to any Citibank clients making card or loan or insurance payments over the branch counter 8 Service fee will be waived if the cash/checks is/are deposited through cash/check deposit machines or other non-branch counter channels 9 Foreign currency cash refers to cash in USD, AUD, CAD, EUR, GBP, SGD, JPY and NZD 4

4 Deposit Service Fee Foreign Currency 1 Cash Deposit Deposit Threshold (or equivalent per day) US$1,500 US$5,000 US$10,000 Deposit amount into 0.5% of total same currency deposit account deposit amount % of total deposit amount (Min. HK$50) exceed threshold (per transaction) (Min. HK$50) Foreign Currency Check Deposit 0.25% of check Deposit into same currency account 3,4 amount 0.25% of check amount (Min. HK$50) Deposit into different currency account 3,4 (Min. HK$50) 0.25% of check amount (Min. HK$50) 0.25% of check amount (Min. HK$50) (Max. HK$100) (Max. HK$100) Foreign bank check sent for collection 5 HK$300 per check HK$300 per check RMB Cash Deposit Deposit Threshold (or equivalent per day) US$1,500 Waived Deposit amount into 0.5% of total same currency deposit account deposit amount 2 Waived exceed threshold (per transaction) (Min. HK$50) Cash Deposit to credit card account Via branch (per transaction) HK$20 2,6,7 Waived Coin Deposit 2% of total Over or equal to 500 coins per transaction deposit amount 2% of total deposit amount (Min. HK$50) (Min. HK$50) Withdrawal Service Fee Hong Kong Dollars & RMB Cash Withdrawal Any amount per transaction HK$20 2,8 Waived Foreign Currency Cash Withdrawal 1 Withdrawal Threshold (or equivalent per day) Any amount US$5,000 US$10,000 Withdrawal amount from same currency deposit account exceed threshold (per transaction) HK$20 2,8 0.25% of total withdrawal amount (Min. HK$50) Bulk Foreign Currency Cash Withdrawal (per client per day) 1 US$30,000 equivalent per day or above HK$200 HK$200 Free 1 Foreign currency cash refers to cash in USD, AUD, CAD, EUR, GBP, SGD, JPY and NZD 2 Exemptions apply to (i) senior citizens aged 65 or above; (ii) clients aged below 18; (iii) clients with disabilities; (iv) clients with low income (individual monthly income below HK$7,900 or household monthly income below HK$11,500 for clients who are not working), or those receiving social welfare benefits/government subsidies such as the Comprehensive Social Security Allowance. In each case, self-declaration or supporting documents are required; or (v) non-profit making organization 3 Citicorp Travelers Checks are waived 4 It is applicable to Currency Manager 5 Plus foreign bank charges 6 Service fee will be waived if the cash is deposited through cash deposit machines 7 Waived for Citi Prestige Card & Citi Ultima Card holders 8 Not applicable to credit cards 5 6

5 Check-related Service Fee Purchase of Checks Gift Check HK$10 per check 1 Free Manager's Check HK$50 per check 2,3 HK$25 per check 2,3 Free Travelers Check 1% commission (Min. HK$50) 1% commission (Min. HK$50) Free Encashment of CitiCorp Travelers Check 4 Waived Waived Encashment of Other Bank's Travelers Checks 4 Citibank Account Holder Waived Waived Under US$10,000 or equivalent 2% of encashed Non-Citibank Account Holder amount 2% of encashed amount Over US$10,000 With exchange HK$50 per HK$50 per transaction transaction Waived Without exchange Waived Waived Marking Good Check HK$60 per check HK$60 per check Free Temporary Overdraft (including check returned due to insufficient funds) Citibank's Prime Checking Account Rate +8% Citibank's Prime Rate +8% (Min. HK$100/US$13) (Min. HK$100/US$13) Check Returned Due to Technical Errors HK$50/US$7 per check HK$50/US$7 per check Due to Insufficient Funds HK$150/US$20 per check HK$150/US$20 per check Direct Debit Authorization Rejected due to Insufficient Funds HK$150 per item HK$150 per item 6-month Stop Check Payment (Including stop payment on Manager's Check) HKD Checking Account (via non Citibank online channels) HK$100 per check HK$100 per check USD Checking Account (via non Citibank online channels) US$13 per check US$13 per check Permanent Stop Check Payment HK$200 per check HK$200 per check Inward Remittance Fee Citibank Global Transfer 5 /Draft/Telegraphic Transfer/ Local Inter-bank Funds Transfer 6 Credit to a Citibank account 7 Waived Waived Outward Remittance Fee Citibank Global Transfer All currency (Not applicable to RMB) - Real-time online transfer between Hong Kong Citibank Waived Waived account and overseas Citibank account 8 1 Effective from January 1, 2017, the waiver for Citi At Work clients is no longer applied 2 Effective from January 1, 2017, the wavier for the Checks bought by Citibank Account Holder and made payable to his/her own name is no longer applied 3 Plus HK$20 postage for local registered mail 4 Maximum encashment amount for non-citibank Account Holder is US$250 5 Incoming remittance currency includes HKD and USD 6 Local Inter-bank Funds Transfer refers to transfer via Clearing House Automated Transfer System - CHATS. Citibank Online only provides Local Inter-bank Funds Transfer service in HKD 7 7 Plus Correspondent Bank service fees (if applicable) 8 Only applicable to selected destinations, please refer to for details. If the transaction involves currency conversion, the Citibank Global Transfer transaction page in Citibank Online will display the exchange rate on such currency conversion to get client's confirmation. Clients should understand that for certain currencies, they can choose to complete the foreign exchange before transfer whereby the applicable exchange rate may be different from or lower than the rate display in the Citibank Global Transfer transaction page. If clients need more details on the reference exchange rate, they can call 24-hour CitiPhone Banking at Transaction screening may apply, and this may lead to the delay of the transaction 8

6 Outward Remittance Fee Draft HKD/USD/Foreign Currency 1,2 HK$100 each HK$100 each HK$50 each HK$250 per draft Stop Payment for Draft (plus Telegraphic Transfer service fee) HK$250 per draft (plus Telegraphic Transfer service fee) HK$100 per draft Copies of Draft (plus Telegraphic Transfer service fee) HK$100 per draft (plus Telegraphic Transfer service fee) Local Inter-bank Funds Transfer 3,4 HKD Via Citibank online (per transaction) HK$50 Waived Via Other channels (per transaction) HK$250 HK$180 HK$100 Waived USD/EUR/RMB 5 (per transaction) HK$250 HK$180 HK$100 Waived Telegrahic Transfer Via Citibank online HKD/USD/ (per transaction) HK$200 7 Waived Foreign Currency/ RMB 6 Via other channels 4 (per transaction) HK$250 2 HK$220 2 HK$100 2 Waived Telegraphic Transfer Enquiry HK$250 HK$180 Telegraphic Transfer Amendments/Cancellation 8 HK$250 HK$200 Outward Remittance Service Fee (Applicable to Local Inter-bank Funds Transfer & Telegraphic Transfer) Correspondent Charge to beneficiary's account Bank service fee, if any, Correspondent Bank service fee, if any, will be deducted from will be deducted from the remittance amount the remittance amount (a) HK$250/US$32 or equivalent or, Charge to applicant's account (b) the actual (a) HK$150/US$20 or equivalent or, Correspondent (b) the actual Correspondent Bank service fee, whichever is higher Bank service fee, whichever is higher Citibank ATM Card Service Fee 1 Effective from January 1, 2017, the waiver for the draft issuance where the account holder is the beneficiary is no longer applied 2 Additional Telegraphic Transfer service fee will be charged for non-domicile currency Telegraphic Transfer 3 Local Inter-bank Funds Transfer refers to transfer via Clearing House Automated Transfer System - CHATS. Citibank Online only provides Local Inter-bank Funds Transfer service in HKD 4 Subject to Correspondent Bank service fee 5 Renminbi Local Inter-bank Funds Transfer is only applicable to the Renminbi accounts opened in local banks 6 For HKID holders, Renminbi can only be remitted to the same name Renminbi account in Mainland China with maximum limit of RMB80,000 per person per day. For Corporate customers, Cross border Renminbi remittance to or from the PRC is subject to the regulation and approval of related PRC authorities 7 Effective from January 1, 2017, the waiver for Citi At Work clients is no longer applied 8 Plus Correspondent Bank service fees (if applicable) 9 The flat handling fee will be waived. However, service fee will be levied if transaction route through other networks. For local ATM cash withdrawals effected via other networks, the transactions will route through Visa/Plus network and therefore the Bank will impose a service fee equivalent to 2.3%-2.4% of the withdrawal amount, and debited from your account by the Bank together with the withdrawal amount 10 Please note that only Hong Kong dollars account can be chosen as the overseas withdrawal account. Some overseas ATM machines may allow cash withdrawal from only 1 of the pre-designated accounts. Clients are advised to set their designated account via local Citibank ATM or visit any of our branches for assistance in advance 9 Local ATM Cash Withdrawal Citibank/JETCO Free Free Other Networks 9 Handling Fee Waived^ Handling Fee Waived^ ^ Service Fee will be levied if transaction route through other networks Overseas ATM Cash Withdrawal 10,11 Citibank ATM 12 Handling Fee Waived Handling Fee Waived Non-Citibank ATM 13 Handling Fee Waived # Handling Fee Waived # # Surcharges of overseas banks ATM may be levied (if applicable) Lost/Stolen Citibank ATM Card Replacement HK$50 per card Free Point-of-sale debit payment transactions via Visa network 1.95% per Foreign Currency Transaction Handling Charge 14 transaction effected in a 1.95% per transaction effected in a currency currency other than other than Hong Kong dollars Hong Kong dollars ATM Card annual fee Free Free 11 Please activate the overseas ATM withdrawal function and set daily cash withdrawal limit in advance. This can be done via local Citibank ATM or visit any of our branches for assistance in advance 12 [Via Citi Global Network]: The flat handling fee will be waived. However, for overseas ATM cash withdrawals effected in currencies other than Hong Kong dollars, the withdrawal amount will be converted into Hong Kong dollars at the prevailing exchange rate on the conversion day* as determined by Citi Global Network, and a conversion spread equivalent to 1.7%-2.4% of such Hong Kong dollars amount will be charged by the Bank. The withdrawal amount as converted to Hong Kong dollars equivalent will be debited from your account by the Bank together with the conversion spread. You may obtain a reference exchange rate from the Bank by calling our 24-hour CitiPhone Banking at (852) Please note the reference exchange rates may not precisely reflect the actual rates applied to your transactions owing to the time at which the rates are used and the potential rounding differences 13 [Via Visa/Plus Network]: The flat handling fee will be waived. However, for overseas ATM cash withdrawals effected in currencies other than Hong Kong dollars, the withdrawal amount will be converted into Hong Kong dollars at the prevailing exchange rate on the conversion day* as determined by Visa/Plus network, and a conversion spread equivalent to 2.3%-2.4% of such Hong Kong dollars amount will be charged by the Bank. The withdrawal amount as converted to Hong Kong dollars equivalent will be debited from your account by the Bank together with the conversion spread. Please visit for the reference exchange rate at Visa/Plus network 14 For Point-of-sale debit payment transactions effected in currencies other than Hong Kong dollars, the transaction amount will be converted into Hong Kong dollars at the prevailing exchange rate on the conversion day* as determined by Visa/Plus network, plus 1.95% handling charge (including 0.95% imposed by the Bank and 1% charged by Visa to the Bank) * Conversion day represents the day which the transaction or withdrawal is taking place 10

7 Safe Deposit Box Fee Annual Fee Refer to branch Refer to branch Loss of Key HK$200 per key HK$200 per key Crack-Open Safe Deposit Box Replace new lock with 2 keys 1 HK$1,000 HK$1,000 Overdue rental 2 HK$1,000 HK$1,000 Other Service Fee Paper statement HK$20 (semi-annually) 3 To receive paper statements per each type of HK$20 (semi-annually) 3 per each type of statement* statement* Foreign Currency Cash Exchange 4 Foreign Currency to HKD/HKD to Foreign Currency Waived Waived Direct Debit Authorization Setup Waived Waived Execution of Standing Instructions Via Citibank online Waived Waived Via other channels HK$15 per HK$15 per transaction 5,6 transaction 5,6 Waived Copies of Statement or Advice Record Via Citibank online HK$30 per copy HK$30 per copy Via other channels HK$50 per copy HK$50 per copy Personal Data Access Request Via Personal Data (Privacy) Ordinance HK$200 per Data Access Request Form 7,8 request HK$200 per request Reference Letter First request HK$200 per letter HK$200 per letter Waived Additional copy HK$20 per copy HK$20 per copy Waived Certified True copy HK$20 per copy HK$20 per copy Waived Bank Endorsement on Client's Signature First document HK$150 per HK$150 per document document Waived Additional document HK$20 per HK$20 per document document Waived Company Search Fee 9 HK$100 per search HK$100 per search Audit Confirmation Request HK$200 per request HK$200 per request Account Closure Within 6 months since account opening HK$500 HK$500 1 Both keys lost at the same time 2 Plus legal fee and overdue charge 3 From February to June 2016 and thereafter within 6-month periods (Jul to Dec / Jan to Jun every year, based on the date that the statement is generated), if clients receive banking consolidated paper statements and/or credit card paper statements in each period, a fee of HK$20 will be applied for each type of paper statement and will be directly debited from the relevant banking and/or credit card accounts. The fee is applicable to clients who have Citigold Private Client, Citigold, Citi Priority, Citibanking accounts or hold Credit Cards (excluding Diners Club cards and company clients). If client, who holds a single name banking account and is also the primary account holder of a joint name banking account, receives a paper statement for each banking account, the client is only subject to a Paper Statement Fee of HK$20 for each stated period. Exemptions apply to (i) clients aged below 18 or 65 and above; (ii) clients with low income or those receiving social welfare benefits/ government subsidies or (iii) clients with disabilities. For (ii) and (iii) cases, self-declaration or supporting documents are required. Low income is defined as a client with an individual monthly income below HK$7,900 or a household monthly income below HK$11,500 for a client who is not working 4 Applicable to Citibank account holders only. Foreign currency cash refers to cash in USD, AUD, CAD, EUR, GBP, SGD, RMB, JPY and NZD 5 Plus postage, telex and commission depending on the type of remittance 6 Effective from January 1, 2017, the waiver for Citi At Work clients is no longer applied 7 This form is prescribed by the office of Privacy Commissioner for Personal Data, Hong Kong. Clients can choose to obtain Personal Data through the mentioned Request Form if necessary 8 Request data in the format other than normal paper form, the bank may impose an additional administration charge. Fee will be provided upon confirmation of request and will depend on the nature and extend of the request 9 Applicable to business registration search and company search *There are 2 types of statement Banking consolidated statement and Credit card statement 11 12

8 Mortgage Loan Account Fee 0.25% of loan amount or Mortgage application cancellation fee HK$5,000, 0.25% of loan amount or HK$5,000, whichever is higher per request whichever is higher per request Mortgage document(s) related Tenancy agreement consent or deed of assignment HK$1,000 per request HK$1,000 per request Request on copies of mortgage related document(s) Copies of Statement, Confirmation Letter, Repayment Schedule, Change Rate Letter, New Loan Letter, Facility Letter, Confirmation of Ownership, Particulars of Mortgage & HK$100 per document HK$100 per document Outstanding Balance Copies of title deed HK$250 per document HK$250 per document Change of Mortgage Term(s) and Condition(s) Change of payment plan, payment mode, due date, tenor, guarantor (including cancellation), HK$1,000 per or mortgage rate request HK$1,000 per request Late Payment Related A monthly fee of 2% on overdue amount (any amount due A monthly fee of 2% on overdue amount Overdue Interest (Home Smart and HIBOR and unpaid for part (any amount due and unpaid for part of a month shall be deemed mortgage accounts are excluded) of a month shall to be due and unpaid for one month, minimum HK50) be deemed to be due and unpaid for one month, minimum HK50) Fire Insurance Related Valuation fee and administration charge for Valuation fee by fire insurance policy renewal (Applicable to external surveyor Valuation fee by external surveyor and insured sum based on reinstatement value) and administration administration charge of HK$200 charge of HK$200 Other Service Fee Deduct Rates Payment from Loan Account HK$200 per request HK$200 per request Account reinstatement fee (Applicable to Home HK$200 per Smart Account) request HK$200 per request 2017 Citibank Citi, Arc Design, Citi Priority, Citigold and Citigold Private Client are registered service marks of Citibank, N.A. or Citigroup Inc. Citibank (Hong Kong) Limited 13 14

9 Citibank BKCTG

10 # CitigoldHK$1,500,000 CitigoldCiti PriorityCitibanking HK$8,000,000 Citigold HK$10,000 HK$500,000 HK$1,500,000 # HK$8,000,000 # 1 HK$10,000 HK$500,000 2 HK$1,000,000 2 HK$60 3,4 HK$120 HK$300 1 HK$1,000,000 2 HK$400 4,5,6 HK$400 4,5,6 HK$500 () 7, % 4 (HK$50) () %(HK$50) HK$1 HK$1 /() 9 US$30,000 HK$200 HK$200 1 * * * Citi At Work 4 (i)65(ii)18(iii)(iv)( HK$7,900HK$11,500)/ (v) 4 5 Citi PriorityCitibanking 6 (i)(ii)(iii) Citi At Work24Citi At Work // 9 3

11 1 () US$1,500 US$5,000 US$10, % 2 () (HK$50) 0.25%(HK$50) 0.25% 0.25% 34 (HK$50) (HK$50) 0.25% 0.25% 3,4 (HK$50 (HK$50 HK$100) HK$100) 5 HK$300 HK$300 () US$1, % 2 () (HK$50) () HK$20 2,6, % 2% (HK$50) (HK$50) () HK$20 2,8 1 () US$5,000 US$10, % HK$20 () 2,8 (HK$50) 0.25%(HK$50) () 1 US$30,000 HK$200 HK$ (i)65(ii)18(iii)(iv)( HK$7,900HK$11,500)/ (v) 3 Citicorp Citi PrestigeCiti Ultima 8 6 5

12 HK$10 1 HK$50 2,3 HK$25 2,3 1% 1% (HK$50) (HK$50) Citicorp 4 4 Citibank US$10,000 Citibank 2% 2% US$10,000 HK$50 HK$50 HK$60 HK$60 () Citibank +8% ( Citibank+8%(HK$100US$13) HK$100US$13) HK$50 US$7 HK$50US$7 HK$150 US$20 HK$150US$20 HK$150 HK$150 6() () HK$100 HK$100 () US$13 US$13 HK$200 HK$200 5 /// Citi At Work Citibank 3 HK$20 4 CitibankUS$ Clearing House Automated Transfer System- CHATSCitibank 7 () 8 7

13 () 1 // 2,3 HK$100 HK$100 HK$50 HK$250 () HK$250() HK$100 () HK$100() 4,5 Citibank HK$50 HK$250 HK$180 HK$100 // 6 HK$250 HK$180 HK$100 Citibank 5 HK$200 8 /// 7 5 HK$250 3 HK$220 3 HK$100 3 HK$250 HK$180 / 9 HK$250 HK$200 () (a) HK$250/ US$32 (b) (a) HK$150/US$20 (b) 1 () 24Citibank(852) Clearing House Automated Transfer System- CHATSCitibank , Citi At Work 9 () 9

14 Citibank / 1 ^ ^ ^ 2,3 4 5 # # # () Citibank ATM Card HK$50 Visa % 1.95% HK$200 HK$200 7 HK$1,000 HK$1,000 8 HK$1,000 HK$1,000 1 ( )Visa/Plus 2.3%-2.4% [] *1.7%-2.4% 24 (852) [Visa/Plus] Visa/Plus*2.3%-2.4% Visa/Plus 6 VISA/Plus 1.95%(0.95%Visa1%) 7 8 * 11

15 () 1 HK$20 *() 1 HK$20 2 / Citibank HK$15 3,4 HK$15 3,4 Citibank HK$30 HK$30 HK$50 HK$50 5,6 HK$200 HK$200 HK$200 HK$200 HK$20 HK$20 HK$20 HK$20 HK$150 HK$150 HK$20 HK$20 7 HK$100 HK$100 HK$200 HK$200 HK$500 HK$ (712/16) /20 /Citigold Citi PriorityCitibanking() 20(i) 1865; (ii) / (iii) (ii) (iii) HK$7,900HK$11, Citi At Work * 13

16 0.25%HK$5, %HK$5,000 HK$1,000 HK$1,000 HK$100 HK$100 HK$250 HK$250 () HK$1,000 HK$1,000 2%( 2%( () HK$50) HK$50) () HK$200 HK$200 HK$200 HK$200 () HK$200 HK$ Citibank Citi, Arc Design, Citi Priority, Citigold and Citigold Private Client are registered service marks of Citibank, N.A. or Citigroup Inc. Citibank (Hong Kong) Limited 16 15