Service and Price Guide Ghana

Service and Price Guide Ghana

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Effective July 21st, 2021

I

TABLE OF CONTENT

Accounts

Personal Banking

Current Account Savings Account Affluent

Current Account Savings Account Foreign Currency

Current Accounts Commission on Turnover FEA & FCA Debit Card

Local Currency Foreign Currency Credit Cards

Personal Loans

General Banking Services

Cheques Personal Cheque/Withdrawal book Clearing Returned Cheque Statement Request Standing Orders Money Transfer (In Country) In-Branch Request General Banking Services

Money Transfer (In Country ) Online Request Money Transfer (International) Salary Processing Digital Banking Services Foreign Cash Withdrawal

Foreign Deposits

Clearing

Business Banking

Local Currency Account Monthly Service Charge Local Currency Cheques Clearing Returned Cheque Standing Orders Digital Channels Statement Request Confirmation/ Letter of Intent Pick Up/Delivery Services Local Currency Accounts Letters of Credit Import LCs

1

Export LCs

8

1

Bills for Collection

8

1

Guarantees

8

1

Foreign Currency Accounts

8

1

Commission On Turnover- FEA & FCA

8

1

Telegraphic Transfers

8

1

Foreign Deposits

8

1

Foreign Cash Withdrawal

9

1

Wealth Management

9

1

Corporate, Commercial & Institutional Banking

10

2

Virtual Accounts

10

2

Statement and Reporting

10

3

Payment Services Mobile Money Transfers

10

3

Local Currency Inter-Bank Transfer

10

3

Book Transfers

10

4

Foreign Currency Transfers/OTT

10

4

Foreign Currency Collections / ITT

10

4

Cheques issuance

10

4

Returned Cheques

10

4

Collections Services Direct Debit Transactions

11

4

Local Currency (GHS) Cash & Cheque Deposits

11

4

Pick Up/Delivery Services

11

4

Channels: Straight2Bank (S2B) Web Setup and

5

Implementation

11

5

Virtual Accounts

11

5

Miscellaneous One off charges

11

5

Investigations Inquiry > 6 months: Best effort

11

5

Inquiry > 6 months

11

6

Trade Imports

11

6

Letter of Credits excl VAT

11

6

Back-to-Back Letter of Credits

11

7 7

Revolving Letter of Credits Amendments to Letter of Credits

12 12

7

Trade Exports

12

7

Documentary Import Bills for Collection

12

7

Letter of Credits

12

7

Confirmation of Letters of Credits

12

7

Transfer of Letter of Credits

12

7

Discounts

12

7

Export Bills for Collection

12

7

Guarantees/Bonds

12

7

Standby Letter of Credits

12

7

Miscellaneous

12

8

8

II

Accounts

Personal Banking Local Currency Current Account Standard Current Account Access 247

Initial Opening Balance GHS 100

GHS 20

Minimum Balance Nil

Nil

e-Current Account

GHS 50

Nil

e-Youth Account

GHS 20

Nil

Personal Banking

Savings Account

Initial Opening Balance

Minimum Balance

Savings Plus

GHS 100

Nil

My Dream Account

GHS 200

GHS 100

After 4 branch withdrawals, customer forfeits interest for the month

e-Savings Account

GHS 50

Nil

Monthly Service Charge GHS 20 Flat

GHS 5 GHS 5 GHS 2.50

Monthly Service Charge FREE FREE

FREE

Affluent

Priority Banking

Total Balance on all Assets Under Management is GHS 165,000.00

Local Currency

Current Account

Initial Opening Balance

Minimum Balance

Monthly Service Charge

Premium Current Account

GHS 1,000

Nil

GHS 25

Diva Club Current Account GHS 1,000

Nil

GHS 20

* No Monthly Service Charge for average balances above GHS 10,000

Savings Account Premium Savings Account

Initial Opening Balance GHS 1,000

Minimum Balance Nil

Monthly Service Charge FREE

Foreign Currency

Initial Opening Balance

Current Account

$500, ?250, 300

Commission On Turnover- FEA & FCA

Average Credit Balance

USD

EUR

200k

100

100

GBP 5 15 25 45 65 80 100

1

Debit Cards

Personal Banking Local Currency

Visa Gold Visa Gold (Access 247) Visa Gold (e-account)

Card issuance fee GHS 20 GHS 20 FREE

GHIPSS EMV Card

GHS 35

Non collection of cards after 3 GHS 15 months

Lost/damaged cards

GHS 20

Courier charges (Upon request for delivery)

GHS 12

Withdrawal fee per transaction from SCB ATMs Other Bank ATMs (Domestic) Other Bank ATMs (International) Payments via POS terminals

Optional Issuer Fee (OIF) Gold

Affluent Local Currency

Visa Platinum Visa Infinite (By invitation) Non collection of cards after 3 months Lost/damaged cards - Platinum Lost/damaged cards - Infinite

Withdrawal fee per transaction from SCB ATMs Other Bank ATMs (Domestic) Other Bank ATMs (International) Payments via POS terminals

Optional Issuer Fee (OIF) Platinum Infinite

Re-issuance fee GHS 20 GHS 20 GHS 20

GHS 35

Maintenance fee per month GHS 15 FREE FREE GHS 2.50 (applicable on only e-savings account)

GHS 15

FREE GHS 5 $2, 1.6, ?1.1 FREE

4.5%

Card issuance/reissuance fee GHS 50 GHS 100 GHS 20 GHS 50 GHS 100

Maintenance fee per month

GHS 25 GHS 35

FREE GHS 5 $2, 1.6, ?1.1 FREE

4% 3%

2

Debit Cards

Foreign Currency Card issuance/re-issuance Visa Gold Visa Platinum Visa Infinite (by invitation)

USD 5 15 18

Maintenance fee per month Visa Gold Visa Platinum Visa Infinite

USD 3 4 6

Credit Cards

Annual Fee Primary (GHS) Platinum Infinite

Annual Fee Supplementary First 2 cards Free (GHS) Platinum Infinite

Late payment charge (GHS)

Over credit limit charge (GHS)

Card replacement fee (GHS)

Cash withdrawal charge

Personal Loans

Arrangement Fee (Spread over loan term) New Loans Top Ups Early Settlement Fee

EURO 4 12 15

EURO 2.5 3 5

GBP 3 10 13

GBP 2 2.5 3

120 300

60 150 25.00 25.00 50.00 3% of transaction amount or min GHS 25.00

2.5% 2.0% 0.25% (on loan balance)

3

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