Schedule of Charges

Charge Type Applied Rates
Accounts
Account Opening fees Individual EGP 25
Account Opening Corporate fees  Corporate Borrowing Account :EGP 100
Corporate Non-Borrowing Account :EGP 50
Individual Current account maintenance fees EGP 10 monthly
Individual Savings account maintenance fees EGP 8 monthly
Individual Call account maintenance fees EGP 10 monthly
Corporate current account maintenance fees (Borrowing) EGP 30 monthly
Corporate current account maintenance fees (Non Borrowing) EGP 15 monthly
Corporate current account maintenance fees (FI and SMEs ) EGP 25 monthly 
Mortab Plus account administration fees EGP 4
Individual statement of account LCY EGP 15
Individual statement of account FCY USD 2
Savings statement of account EGP 10 quarterly
Corporate Statement of account Fees  (Borrowing) EGP 50 
Corporate Statement of account  Fees (Non Borrowing) EGP 25
Corporate Statement  of account Fees (FI and SMEs ) EGP 25
Statements re-printing request EGP 5 per sheet
Statement advice by swift  USD 450 monthly for each PL
Duplicate advices requested by customers EGP 15 for the current year and doubled for each previous year
Checkbook Issuance fees EGP 2.00 for regular Checks
EGP 2.50 for Checks with customer logo
EGP 6 for A4 checks
Check Book Issuance fees on (Call Account Individual) 1st issuance for Free, 2nd Issuance apply Checkbook Issuance fees
Unpaid checks drawn on our customer EGP 25 / USD 5
Stop payment EGP 50 or equivalent per order
Signature verification EGP 20 per stamp
Pension Certificate EGP 40
Balance Confirmation EGP 40
Clearance Letter EGP 40
Liability Letter EGP 50
Standing Instructions  Internal: EGP 20 once plus the applied commission on the transaction
External: EGP 30 once plus the applied commission on the transaction
Sweep : EGP 20 Per Transaction
Dormant account administration fees Free
Inheritance 0.3% Min EGP 100 Max EGP 1,000
Minimum balance required for each product  EGP 15 monthly
Certificates for Companies under Incorporation/ Capital Increase  EGP 500 (For certificates with the amount of EGP 250K or above)
EGP 100 (For certificates with amounts below EGP 250K)
Hold mail EGP 50 monthly
Corporate overdraft account commission  EGP 100 upon opening new account + EGP 100 annual Fees 
Customs Electronic Payment Charges 0.2% (Min EGP 50, Max EGP 300) + Vendor Transaction fees
Cash withdrawal fees from branches  below ATM limit (EGP 5,000) EGP 30
Power of attorney EGP 15
Default penalty interest (applied on the past due time loans / arrears) 1.5% over applied interest rate
Casual rate (applied on the overdrawn accounts without authorized limits or to debit the unpaid monthly interest) Lending corridor + 1.25% with a minimum of 16%
Safe deposit boxes annual fees : 
Small boxes EGP 500
Medium  EGP 750
Large EGP 1,000
Lost key fees EGP 400 + Actual cost of the replacement of the key
Insurance fees EGP 1,000
Loans 
Car License Renewal Letter  EGP 50
Car License Release Ban on sale Letter  EGP 50
Clearance Letter EGP 40  
Certificate Favor of Traffic EGP 50
Liability Letter EGP 50
Early Settlement Fees 6%
Late Payment Fees EGP 75
Bank Draft ( Buy Out Loans) Free
Draft / Certified Check settlement  LCY EGP 10 - FCY USD 5
Stamp Duty Fees 0.05% From Outstanding Balance Per Quarter
Debit cards 
Markup fees On international transactions  3%
International cash withdrawal  EGP 30 + 3% Per transaction 
SMS Service  EGP 7  Per month 
Non-Audi ATM Balance inquiry  EGP 3  
Non-Audi ATM Local Cash Withdrawal  EGP 6  
Debit cards Issuing fees / Renewal / replacement
Standard  EGP 50
Titanium  EGP 75
Platinum  EGP 100
Payments Services:
Cash Deposits
Local Currency Conventional: Value next business day
Islamic: Same Value Date
Staff and Family 1st degree: same value date
Foreign Currencies Value 2 business days for USD
3 business days for other FCY
(note: applied on Conventional and Islamic if matching Sharia guidance)
Payment Order
Payment Order EGP 50
Incoming Transfers LCY :
 Favor Bank customer Free
 Favor non customer (Cash over counter) 0.3% Min EGP 20 - Max EGP 300
Incoming Transfers FCY :
 Favor Bank customer  USD 3
 Favor non customer (received from Audi Group) 0.3% Min USD 10 Max USD 50
Transfer across branches Free
Credit Advices issued for incoming messages EGP 20 or equivalent
Refund of invalid incoming transfer for our clients EGP 20 for LCY
USD 20 or equivalent for FCY
Outgoing Transfers :
Outgoing Transfers LCY 0.2 % Min EGP 25 Max EGP 350
Outgoing Transfers FCY 0.3% Min USD 25 Max USD 100
ACH Mandates EGP 10
ACH direct debit payments EGP 10
Outgoing Transfers Swift charges :
SWIFT Charges for LCY EGP 40
SWIFT Charges for FCY USD 20 for both
Amendment / Investigation / Clarification / Cancellation SWIFT Charges EGP 40 for LCY
USD 20 or equivalent for FCY
Collection
Collection  of checks received from customers or local Banks
Checks sent for collection through CBE Clearing House EGP 10 per check
Checks Drawn on Us LCY (outside clearing house)  0.2 % Min EGP 8  Max EGP 350 + swift charges
Checks Drawn on Us FCY(outside clearing house) 0.3 % Min USD 5 Max USD 100 + swift charges or USD 5 flat for issuance of Bank Draft
Returned Int’l Checks drawn on us  EGP 10 for LCY (Outside Clearing House) and $15 for FCY Int’l checks (Or equivalent) + Courier charges if returned abroad
Collecting LCY Checks Favor our customer (Outside Clearing House)   0.2 %  Min EGP 15 Max EGP 400 + Correspondent Charges + Courier Charges (Adding EGP 50 extra charges for Egyptian Post checks)
Collecting FCY Checks Favor our customers   0.3 % Min USD 5  Max USD 125 + correspondent charges + Courier Charges
Courier (outside Egypt) Actual Courier fees + USD 10 per check (Or equivalent)
Courier (inside Egypt) Actual Courier fees + EGP 25 per check (Or equivalent)
Checks sent on cash letter basis   0.4 % Min USD 20  Max USD 150 + correspondent charges + Courier Charges
Unpaid checks presented by our customer LCY EGP 15
Unpaid checks presented by our customer FCY USD 15
Collection of checks Received from Bank Audi Group (Drawn on us) USD 10 Flat
Collection of checks Received from Bank Audi Group LCY (Drawn on other Banks) 0.1% Min EGP 4 Max EGP 175 + Correspondent Charges + Courier Charges
Collection of checks Received from Bank Audi Group FCY (Drawn on other Banks) 0.15% Min USD 2.50 Max USD 50 + Courier charges + Correspondent charges
Collection of checks drawn on Bank Audi Group  0.3 % Min USD 5  Max USD 100 + correspondent charges + Courier Charges
Collection of checks received from foreign Banks (Drawn on other Banks) 0.4% Min USD 10 Max USD 150 + swift charges + Courier charges + Correspondent Charges
Bank Drafts , Certified Checks and Purchased Checks
Bank Drafts and Certified Checks
Issuance in Local Currency 0.2% Min EGP 25 - Max EGP 350
* Max EGP 50 for  Governmental Authorities (Taxes and Customs)
Issuance in Foreign currency 0.3% Min USD 20 Max USD 100
Bank Draft (Buy Out Loans) Free
Draft / Certified Check settlement  LCY EGP 10 - FCY USD 5
Purchased Checks
Local Currency                                                                                               0.6% Min EGP 15 with no Max
 Foreign Currency 0.6% Min USD 10 with no Max
Traveler Checks
Issuance (Sale) 1% Min USD 5 with no Max
Purchase 1% with no Max
Collection of Traveler Checks 0.5% Min USD 10 Max USD 65
Bills and Post dated checks
Protest  Actual cost (Legal fees) + Postage Charges + EGP 20
Custody commission  (LCY) 0.3% Min EGP 20 Max EGP 500
(note: Corporate credit clients special tariff to be approved by HOCC)
Custody commission  (FCY) 0.3% Min USD 10 Max USD 100 or equivalent
(note: Corporate credit clients special tariff to be approved by HOCC)
Withdrawal of bill / check (LCY) EGP 20  (no refund for custody commission)
Withdrawal of bill/ check (FCY) USD 5 or equivalent
Postponement charges (LCY) EGP 10
Postponement charges (FCY) USD 5 or equivalent
Inward Bills Collection 0.2% Min 20 Max 350 + SWIFT Charges
Inward Bills Returning Protesto Fees + Postage Charges + EGP 20
Letters of Credit
L/C - Import Transactions
Issuance of Letters of Credit :
Preparing a Draft of LC issuance or amendments USD  40 Flat
Form-4 Issuance (under LC Import) EGP 100 Flat
Discrepancies fees (on correspondent account) USD  150 Flat
Fully covered cash margin  1.25% Min USD 75 or equivalent
Covered against Facility  1.25% Min USD 75 or equivalent
Usance or deferred payment (Acceptance) Opening commission + 0.75% P/Q Min USD 50
Revolving  Opening commission + 0.25 % Min USD 50 once on outstanding balance
Amendment (except increase and extension) USD 25 Per item 
Extension (within period)  0.2%  Min USD 50
Extension (another period) 0.25% with a maximum of 3 consecutive periods, then full commission to be applied (1.25%)
Issuance of marine LG USD 100
Endorsement (B/L - AWB) 0.1% Min USD 15 with no Max
Swift charges :-  Full Swift USD 75
Short Swift  USD 25
Postage / Courier USD 10
Documents for Collections 
Keeping draft at our custody USD 100 Flat
Endorsement commission of B/L to our order  USD 50 Flat
Credit advices for Export Proceeds EGP 20 Per advice
Import Documentary Collection commission including transfer fees 1.25%  Min USD 80  with no Max
Export documentary collection  0.25% Min USD 50
Avalized (could vary based on country / Bank risk) Collection Commission + 0.75%  per quarter Min USD 50          
Deferred payment without responsibility USD 25 /  EGP 150
Postage  USD 10
Swift charges         USD 25
L/C - Export Transactions
Advising L/C   USD 100
Confirming L/C 0.3% Min USD 50 or based on FI approval (not less)
Acceptance 0.25% Min USD 50
Negotiation (could vary based on country / Bank risk) 0.25% Min USD 100
Transfer L/C  Advising commission + 0.1% Min USD 50
Amendments (per item) USD 25
Fast Courier USD 60
Swift charges - Full Swift USD 75
Short Swift  USD 25
Documents / Bills sent for collection 0.25% Min USD 50
Assign of Export proceeds 0.2% Min USD 100 with no Max
 Examination of Shipping documents negotiated under unconfirmed LC 0.2% Min USD 100 with no Max
Letters of Guarantee
International
Bid bonds  0.3%  Min USD 100 quarterly 
Performance and Advance payment   0.6%  Min USD 100 quarterly 
Advising without responsibility on our part USD 100
Amendment (excluding extension and increase) USD 25 per item
Extension (within period)  USD 50
SWIFT Charges USD 50
Local
Bid bonds  0.4%  Min EGP 150 quarterly 
Performance - advance payment 0.6%  Min EGP 150 quarterly 
Extension (within period)  EGP 100 or Equivalent in USD 
Fully covered cash margin  EGP 150 P/Q
Amendment (excluding increase and extension ) EGP 100
Postage Fees + Local Swift EGP 25
Issuance Commission for Non-operative LGs EGP 150
Capital Market Operations
Book Keeping Contract EGP 20
Securities Deposit  0.3% Min EGP 10
Annual Custody Charges 0.001
Transfer to another Book Keeper 0.1% Min EGP 100 with no Max (per security)
Statement EGP 5 per request
Coupons Commission 0.5% Min EGP 5 Max EGP 500
Certificate Issuance EGP 5
Commission of sell or purchase 0.1% Min EGP 5 with no Max
Transfer from another Book Keeper Free
Pledge Release 0.075% Max EGP 3,000
Capital Subscription EGP 200 or equivalent per transaction
Annual Holding fees 0.0075% Min EGP 5 with no Max
Investor Protection Fund 0.15% Max EGP 150 per security
GDR Sell / Purchase USD 35 per transaction or equivalent
GDR Coupon collection 0.5% Min USD 5 with no Max
GDR Conversion USD 100 per transaction  or equivalent in addition to International Custodian, ESE, Depository bank and other fees
Monthly GDR Custody Fees 0.25% with no Max
Custody fees of board membership guarantee shares EGP 50 flat or equivalent per month
Izdehar Fund Fees 0.025% Marketing fees on sub. With Max EGP 0.25 per IC
Margin Trading Charges 4.25% + H. Corridor

Credit cards 
Charges Silver Gold
No Option Full Option No Option Full Option
Basic Card Annual Fees Up To EGP 100 Up To EGP 200 Up To EGP 200 Up To EGP 350
Supplementary Card Annual Fees Up To EGP 50 Up To EGP 150 Up To EGP 100 Up To EGP 250
Basic Card Replacement  Fees EGP 50 EGP 50 Up To EGP 75 Up To EGP 75
Supplementary Card Replacement Fees EGP 50 EGP 50 Up To EGP 75 Up To EGP 75
SMS Alert Fees EGP 60 EGP 60
Late Payment Fee EGP 50 EGP 50
Over Limit Fee EGP 50 EGP 50
PIN Change Fee EGP 15 EGP 15
Statement Regeneration Fee EGP 10 EGP 10
Interest Rate on Purchasing (Monthly) Up To 2.49% Up To 2.49%
Interest Rate on Cash Up To 2.49% Up To 2.49%
Bank Audi ATM cash withdrawal  fee 1.5% With a Min of EGP 15 1.5% With a Min of EGP 15
Other ATM cash withdrawal fee 2% With a Min of EGP 20 2% With a Min of EGP 20
Over Counter withdrawal Fee 2% With a Min of EGP 50 2% With a Min of EGP 50
ATM Balance Inquiry (Bank Audi ATM) Free Free
ATM Balance Inquiry (Other ATM) EGP 3 EGP 3
Interest Free Credit Period for Purchase Up To 55 Days in Case of Full Payment in Time Up To 55 Days in Case of Full Payment in Time
Interest On Cash Withdrawal Interest is calculated from day one Interest is calculated from day one
Cash & Purchase Foreign Currency Transactions (FX Markup) Up To 3% Up To 3%
Paper Statement Fee EGP 10 EGP 10
Courier Charges Real Charge + USD 5 outside Egypt or real charge + EGP 5 inside Egypt Real Charge + USD 5 outside Egypt or real charge + EGP 5 inside Egypt
Minimum Payment Due 5% Or EGP 50 5% Or EGP 50
Credit cards 
Charges Shine Titanium World
No Option Full Option
Basic Card Annual Fees Up To EGP 150 Up To EGP 250 Up To EGP 400 EGP 3,000
Supplementary Card Annual Fees Up To EGP 75 Up To EGP 50 Up To EGP 75 EGP 3,000
Basic Card Replacement  Fees Up To EGP 75 Up To EGP 75 Up To EGP 75 EGP 500
Supplementary Card Replacement Fees Up To EGP 75 Up To EGP 75 Up To EGP 75 EGP 500
SMS Alert Fees EGP 60 Free Free
Late Payment Fee EGP 50 EGP 50 EGP 50
Over Limit Fee EGP 50 EGP 50 EGP 50
PIN Change Fee EGP 15 EGP 15 Free
Statement Regeneration Fee EGP 10 EGP 10 EGP 10
Interest Rate on Purchasing (Monthly) Up To 2.49% Up To 2.49% Up To 2.49%
Interest Rate on Cash Up To 2.49% Up To 2.49% Up To 2.49%
Bank Audi ATM cash withdrawal  fee 1.5% With a Min of EGP 15 1.5% With a Min of EGP 15 2% With a Min of EGP 15
Other ATM cash withdrawal fee 2% With a Min of EGP 20 2% With a Min of EGP 20 2% With a Min of EGP 20
Over Counter withdrawal Fee 2% With a Min of EGP 50 2% With a Min of EGP 50 2% With a Min of EGP 50
ATM Balance Inquiry (Bank Audi ATM) Free Free Free
ATM Balance Inquiry (Other ATM) EGP 3 EGP 3 EGP 3
Interest Free Credit Period for Purchase Up To 55 Days in Case of Full Payment in Time Up To 55 Days in Case of Full Payment in Time Up To 55 Days in Case of Full Payment in Time
Interest On Cash Withdrawal Interest is calculated from day one Interest is calculated from day one Interest is calculated from day one
Cash & Purchase Foreign Currency Transactions (FX Markup) Up To 3% Up To 3% Up To 3%
Paper Statement Fee EGP 10 EGP 10 Free
Courier Charges Real Charge + USD 5 outside Egypt or real charge + EGP 5 inside Egypt Real Charge + USD 5 outside Egypt or real charge + EGP 5 inside Egypt Real Charge + USD 5 outside Egypt or real charge + EGP 5 inside Egypt
Minimum Payment Due 5% Or EGP 50 5% Or EGP 50 5% Or EGP 50

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