Bank Audi

Islamic Schedule of Charges

 
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Accounts

Applied Rates
Account Opening fees Individual LCY EGP 50
Account Opening Corporate fees Corporate Borrowing Account :EGP 100
Corporate Non-Borrowing Account :EGP 60
Account Opening Fees (FI and SMEs)) EGP 100 (Borrowing)
EGP 50 (Non- Borrowing)
Individual Current account maintenance fees EGP 10 monthly
Individual Savings 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
Corporate Call account maintenance fees EGP 15 monthly
Salaf account administration fees Free
Individual statement of account LCY/FCY EGP 60 / Equivalent to EGP 60
Corporate Statement of account Fees (Borrowing) EEGP 60
Corporate Statement of account Fees (Non Borrowing) EGP 60
Corporate Statement of account Fees (FI and SMEs ) EGP 60
Statements re-printing request For Corporate EGP 5 per sheet
For Retail EGP 50 per statement in Branch
For Retail EGP 60 per statement through courier
Statement advice by swift USD 45 monthly for each account
Duplicate advices requested by customers EGP 15 for the current year and doubled for each previous year
Checkbook Issuance fees EGP 3.00 for regular Checks EGP 3.50 for Checks with customer logo EGP 6 for A4 checks
AOL - Checkbook Issuance - 10 leaves EGP 25
AOL - Checkbook Issuance - 25 leaves EGP 35
AOL - Checkbook Issuance - 50 leaves EGP 75
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 50
Balance Confirmation EGP 50
Standing Instructions EGP 50 once + Transaction type fees (Internal free / Standard fees for external transfer LCY/FCY) Sweep: EGP 50 for implementation + free for each 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 100 Monthly
Cash withdrawal fees from branches below ATM limit (EGP 20,000) EGP 30
Power of attorney EGP 50
Safe deposit boxes annual fees

Applied Rates
Small boxes EGP 1,000
Medium EGP 1,500
Extra - Medium EGP 2,000
Large EGP 2,500
Lost key fees EGP 400 + Actual cost of the replacement of the key
Insurance fees EGP 1,000
Murabahat

Applied Rates
Registrations Auto Murabaha fees EGP 200
Car License Renewal Letter EGP 200
Car License Release Ban on sale Letter EGP 200
Clearance Letter EGP 150
Certificate Favor of Traffic EGP 50
Liability Letter EGP 150
Early Settlement Prize UP to 80% Rebate rate
Late Payment Fees EGP 100
Bank Draft ( Buy Out Murabahat) Free
Draft / Certified Check settlement LCY EGP 10 - FCY USD 5
Stamp Duty Fees 0.05% From Outstanding Balance Per Quarter
Debit cards

Applied Rates
Markup fees On international transactions 3%
International cash withdrawal EGP 40 + 4% Per transaction
SMS Service EGP 10 Per month
Non-Audi ATM Balance inquiry EGP 5
Non-Audi ATM Local Cash Withdrawal EGP 8
Receipt printing fees on ATM EGP 1
Standard Issuing fees / Renewal / replacement EGP- 50
Titanium Issuing fees / Renewal / replacement EGP- 100/100/75
Platinum Issuing fees / Renewal / replacement EGP -150/150/100
Payments Services
Cash / Check Deposits Value Dates

Applied Rates
Local Currency Islamic: Value next business day Staff and Family 1st degree: Same value date
Foreign Currencies Value 2 business days for USD 3 business days for other FCY
Cash Deposit transaction below or equal to the amount of EGP 20,000 EGP 30 with the exception of (Customer deposit through messenger, Corporate account, Customer not holding a card for first time till he signs a Debit Card Application or if a CC PIN is needed)
Payment Order

Applied Rates
Payment Order LCY EGP 70
Payment Order FCY USD 5
Incoming Transfers LCY

Applied Rates
Favor Bank customer Fixed charge of EGP 10 on every incoming transfer via swift starting from EGP 10,000
Favor non customer (Cash over counter) 0.3% Min EGP 20 - Max EGP 300
Incoming Transfers FCY

Applied Rates
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

Applied Rates
Outgoing Transfers LCY 0.2 % Min EGP 25 Max EGP 350 + Swift Charges
Outgoing Transfers FCY 0.3% Min USD 25 Max USD 100 + Swift Charges
AOL - Transfers with EGP 0.1% min EGP 25 max. EGP 175 + Swift Charges
AOL - Transfers with FCY 0.15% min USD 25 max. USD 50 + Swift Charges
ACH Mandates EGP 12
ACH direct debit " Debtor Installment " per transaction EGP 12
Outgoing Transfers Swift charges

Applied Rates
SWIFT Charges for LCY EGP 40
SWIFT Charges for FCY USD 20
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

Applied Rates
Checks sent for collection through CBE Clearing House EGP 10 per check
Checks Drawn on Us LCY (outside clearing house) 0.2 % Min EGP 15 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 30 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 20
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

Applied Rates
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 Murabahat) Free
Draft / Certified Check settlement LCY EGP 10 - FCY USD 5
Purchased Checks

Applied Rates
Local Currency 0.6% Min EGP 15 with no Max
Foreign Currency 0.6% Min USD 10 with no Max
Traveler Checks

Applied Rates
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

Applied Rates
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 Applied Rates
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
Negotiation of documents after L/C expiry date (on beneficiary's account) (incase it will be collected from applicant, granted special commission to be applied) 1.25% Min. USD 75 or equivalent in EGP
Negotiation of documents exceeds L/C available balance (on beneficiary's account) (incase it will be collected from applicant, granted special commission to be applied) 1.25% on the excess Amount Min. USD 75 or equivalent in EGP
Documents for Collections Applied Rates
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 0.30% Min. USD 50 or equivalent in EGP
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
Advance payment prior form 4 issuance 0.3% Min. USD 25 Max. USD 100 or equivalent in EGP
Settlement of dues without form 4 issuance from BAEGY (for nonborrower clients) 0.625% Min. USD 50 with no Max. or equivalent in EGP
Settlement of dues without form 4 issuance from BAEGY (for borrower clients) 0.3% Min. USD 25 Max. USD 100 or equivalent in EGP
Forward document for collection to another local bank upon remitting bank's / drawee's request USD 185 flat or equivalent in EGP + USD 50 flat or equivalent in EGP in case transport document endorsement is needed.
Returning documents to the remitting upon their / drawee's request USD 185 flat or equivalent in EGP + USD 50 flat or equivalent in EGP in case transport document endorsement is needed
L/C - Export Transactions

Applied Rates
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) 0.30% Min. USD 100 or equivalent in EGP
Transfer L/C Advising commission + 0.1% Min USD 50
Amendments (per item) USD 25
International Fast Courier USD 60
Local Fast Courier EGP 75
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
Issuance fees for pre-export certificate to custom authorities USD 20 flat or equivalent on EGP
Letters of Guarantee
International

Applied Rates
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

Applied Rates
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

Applied Rates
Book Keeping Contract EGP 20
Securities Deposit 0.3% Min EGP 10
Annual Custody Charges 0.10%
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
E- Finance Payments
E-Pay

Applied Rates
Customs payments 0.2% (Min EGP 50, Max EGP 350)
Nafeza 0.2% (Min EGP 50, Max EGP 350) + EGP110
Suez Canal Unified Bill Flat USD 20 + 0.2% (Min EGP 5 , Max EGP 20)
Bills Related To Any Governmental Entities N/A
Social Insurance 0.2% (Min EGP 50, Max EGP 350)
Real Estate Taxation Flat EGP 50
Tax Payment N/A
Online E-finance payments

Applied Rates
Online E-finance payments (CPS) fees 75 EGP
E- ACH credit service for E-payments
Payroll

Applied Rates
From 0-1000 (Number Of Transactions) EGP 5
1000-5000 (Number Of Transactions) EGP 4
5000 Or More (Number Of Transactions) EGP 2
For Internal Transfers EGP 2 will be deducted for each transaction
Other Payments (Suppliers,etc…)

Applied Rates
0-200 (Number Of Transactions) EGP 15
200-500 (Number Of Transactions) EGP 10
500 Or More (Number Of Transactions) EGP 5
For Internal Transfers EGP 2 will be deducted for each transaction
I- Score Services Applied Rates
Through Branches EGP 50
Through ATM EGP 20
Commercial Register through Branches EGP 310
Murabaha Card
Titanium
Charges No Option
Basic Card Annual Fees EGP 250
Supplementary Card Annual Fees Up To EGP 50
Basic Card Replacement Fees Up To EGP 75
Supplementary Card Replacement Fees Up To EGP 75
SMS Alert Fees Free
Late Payment Fee** EGP 100
Over Limit Fee EGP 75
PIN Change Fee EGP 15
Statement Regeneration Fee EGP 10
Profit Rate on Purchasing (Monthly) Up To 2.85%
Profit Rate on Cash Up To 2.85%
Bank Audi ATM cash withdrawal fee 3% With a Min of EGP 30
Other ATM cash withdrawal fees 3% With a Min of EGP 30
Over the Counter Deposit Fees (for Customers or Delegates) EGP 30 for transactions below or equal to the amount of EGP 5,000
Over the Counter withdrawal Fee 2% With a Min of EGP 50
ATM Balance Inquiry (Bank Audi ATM) Free
ATM Balance Inquiry (Other ATM) EGP 3
Profit Free Credit Period for Purchase Up To 55 Days in Case of Full Payment in Time
Profit On Cash Withdrawal Profit is calculated from day one
Cash & Purchase Foreign Currency Transactions (FX Markup) Up To 3%
Paper Statement Fee EGP 10
Courier Charges Real Charge + USD 5 outside Egypt or real charge + EGP 5 inside Egypt
Minimum Payment Due 5% Or EGP 50