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    Schedule of Charges
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    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 7,000) 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 2.85% Up To 2.85%
    Interest Rate on Cash Up To 2.85% Up To 2.85%
    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

    September 2017

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