Fees and charges

BFS Deposit Products

CANBI - Business

Fee	Amount	Comment
Account Keeping Fee	$1 THB35 LAK9,000	Month
OTC Transactions	$-	Free
Internet banking Transaction between ANZVCB accounts	$-	Unlimited
Early Closure Fee	$5 THB160 LAK45,000	Closure within 3 months
Cheque Book Fee	$5 THB160 LAK45,000	Per cheque book (25 cheque)
Honour Fee	$20 THB650 LAK180,000	Per day
Minimum Balance Fee	n/a
Dormancy Fee	$5 THB160 LAK45,000	Charged each month account is in dormancy after 12 months of dormancy

CABI

Fee	Amount	Comment
Account Keeping Fee	$1 THB35 LAK9,000	Month
OTC Transactions	$-	Free
Internet banking Transaction between ANZVCB accounts	$-	Unlimited
Early Closure Fee	$5 THB160 LAK45,000	Closure within 3 months
Cheque Book Fee	$5 THB160 LAK45,000	Per cheque book (25 Cheque)
Honour Fee	$20 THB650 LAK180,000	Per day
Minimum Balance Fee	n/a
Dormancy Fee	$5 THB160 LAK45,000	Charged each month account is in dormancy after 12 months of dormancy

CMA Business

Fee	Amount	Comment
Account Keeping Fee	$1 THB35 LAK9,000	Month
OTC Transactions	n/a	n/a Internet access only
Internet banking Transaction between ANZVCB accounts	$1 THB35 LAK9,000	first 5 transactions per month are free. After that, $1 per txn
Early Closure Fee	$1 THB650 LAK180,000	Closure within 3 months
Cheque Book Fee	n/a
Honour Fee	n/a	account cannot overdraw
Minimum Balance Fee	n/a
Dormancy Fee	$5 THB160 LAK45,000	Charged each month account is in dormancy after 12 months of dormancy

Foreign Currency A/C

Fee	Amount	Comment
Account Keeping Fee	$2.00 currency unit	Monthly
OTC Transactions	$-	Free
Internet banking Transaction between ANZVCB accounts	$-	Unlimited
Early Closure Fee	EUR15 AUD23	Closure within 3 months
Cheque Book Fee	n/a
Honour Fee	n/a	account cannot overdraw
Minimum Balance Fee	10.00 currency unit	Charged each month account falls below min balance
Dormancy Fee	EUR4 AUD6	Charged each month account is in dormancy after 12 months of dormancy

PFS Deposit Products

Access Account

Fee	Amount	Comment
Account Keeping Fee	$-	Free
OTC Transactions	$-	Free
Electronic Transactions	$-	Unlimited
Early Closure Fee	$5 THB160 LAK45,000	Closure within 3 months
Cheque Book Fee	$5 THB160 LAK45,000	Per cheque book (25 Cheque)
Honour	n/a	account cannot overdraw
Minimum Balance Fee	n/a
Dormancy Fee	$5 THB160 LAK45,000	Charged each month account is in dormancy after 12 months of dormancy

Access Account (Staff)

Fee	Amount	Comment
Account Keeping Fee	$-	Free
OTC Transactions	$-	Free
Electronic Transactions	$-	Unlimited
Early Closure Fee	$5 THB160 LAK45,000	Closure within 3 months
Cheque Book Fee	free	Per cheque book (25 Cheque)
Honour	n/a	account cannot overdraw
Minimum Balance Fee	$-
Dormancy Fee	$5 THB160 LAK45,000	Charged each month account is in dormancy after 12 months of dormancy

ANZV@Work

Fee	Amount	Comment
Account Keeping Fee	$-	Free
OTC Transactions	$-	Free
Electronic Transactions	$-	Unlimited
Early Closure Fee	$5 THB160 LAK45,000	Closure within 3 months
Cheque Book Fee	$5 THB160 LAK45,000	Per cheque book (25 Cheque)
Honour	n/a	account cannot overdraw
Minimum Balance Fee	$-
Dormancy Fee	$5 THB160 LAK45,000	Charged each month account is in dormancy after 12 months of dormancy

Super Saver Account

Fee	Amount	Comment
Account Keeping Fee	$1 THB35 LAK9,000	Free
OTC Transactions	$1 THB35 LAK9,000	first 5 transactions per month are free. After that, $1 per txn
Electronic Transactions	$1 THB35 LAK9,000	first 5 transactions per month are free. After that, $1 per txn
Early Closure Fee	$5 THB160 LAK45,000	Closure within 3 months
Cheque Book Fee	$5 THB160 LAK45,000	Per cheque book (25 Cheque)
Honour Fee	n/a	account cannot overdraw
Minimum Balance Fee	$-
Dormancy Fee	$5 THB160 LAK45,000	Charged each month account is in dormancy after 12 months of dormancy

Passbook Account

Fee	Amount	Comment
Account Keeping Fee	$-	Free
OTC Transactions	$-	Free
Electronic Transactions	$-	Unlimited
Early Closure Fee	$5 THB160 LAK45,000	Closure within 3 months
Cheque Book Fee	N/A
Honour Fee	N/A
Minium Balance Fee	N
Dormancy Fee	$5 THB160 LAK45,000	Charged each month acount is in dormancy after 12 months of dormancy

Foreign Currency A/C

Fee	Amount	Comment
Account Keeping Fee	$2.00 currency unit	Monthly
OTC Transactions	$-	Free
Electronic Transactions	$-	Unlimited
Early Closure Fee	EUR15 AUD23	Closure within 3 months
Cheque Book Fee	N/A
Honour Fee	N/A	account cannot overdraw
Minium Balance Fee	10.00 currency unit	Charged each month account falls below min balance
Dormancy Fee	EUR4 AUD6	Charged each month account is in dormancy after 12 months of dormancy

CMA - Personal

Fee	Amount	Comment
Account Keeping Fee	$1 THB35 LAK9,000	month
OTC Transactions	n/a	internet access only
Electronic Transactions	$1 THB35 LAK9,000	first 5 transactions per month are free. After that, $1 per txn
Early Closure Fee	$20 THB650 LAK180,000	Closure within 3 months
Cheque Book Fee	N/A
Honour Fee	N/A
Minium Balance Fee	$-
Dormancy Fee	$5 THB160 LAK45,000	Charged each month acount is in dormancy after 12 months of dormancy

Term Deposit

Fee	Amount	Comment
Account Keeping Fee	N
OTC Transactions	N
Electronic Transactions	N
Early Closure Fee	$25 THB800 LAK225,000	plus 50% agreed rate paid on the term to date
Cheque Book Fee	N/A
Honour Fee	N/A
Minium Balance Fee	N/A
Dormancy Fee	N

BFS Bank Guarantees

	Amount	Term	Minimum
Issuance with exisitng credit lines	0.15%	per month	USD20.00 BHT650 LAK180,000
Issuance under cash deposit	0.15%	per month	USD20.00 BHT650 LAK180,000
issuance - "one off"	0.175%	per month	USD20.00 BHT650 LAK180,000
Annual Line Fee	0.25%	Min $50 per year

Lending Products

Overdraft

Account Fee Type	Amount	Comment
Minimum establishment Fee	1.00%	Min $200 THB6,400 LAK1,800,000
Quarterly Line Fee	0.25% Min $100 THB3,200 LAK900,000	Charged Quarterly. Rate is per quarter. Min $100 per quarter.
Commitment Fee	N/A
Debit Interest		negotiated

Business Term Loan

Fee Item	Amount	Comment
Minimum establishment Fee	1.00%	Min $200 THB6,400 LAK1,800,000
Quarterly Loan Fee	0.25% Min $50 THB1,600 LAK450,000	Charged Quarterly. Rate is per annum. Min $50 per quarter.
Commitment Fee	n/a
Debit Interest		negotiated

Personal Loan/Car Loan

Account Fee Type	Amount	Comment
Minimum establishment Fee	1.00%	Min $200 THB6,400 LAK1, 800,000
Quarterly Loan Fee	N/A	Charged Quarterly. Rate is per annum.
Commitment Fee	N/A
Debit Interest		negotiated

Home Loan

Account Fee Type	Amount	Comment
Minimum establishment Fee	1.00%	Min $200 THB6,400 LAK1,800,000
Quarterly Loan Fee	N/A	Charged Quarterly. Rate is per annum.
Commitment Fee	N/A
Debit Interest		negotiated

Investment Loan

Account Fee Type	Amount	Comment
Minimum establishment Fee	1.00%	Min $200 THB6,400 LAK1,800,000
Quarterly Loan Fee	N/A	Charged Quarterly. Rate is per annum.
Commitment Fee	N/A
Debit Interest		negotiated

International Trade Products

Product	Minimum Fee	Percentage Fee	Pay	Swift Fee	Pay
Import Documentary Credit (up to 1 month) Sight	$50 THB1,600 LAK450,000	0.2% (per month)	App	$60 THB1,950 LAK540,000	App
Import Documentary Credit (up to 1 month) Term	$50 THB1,600 LAK450,000	0.2% (per month)	App	$60 THB1,950 LAK540,000	App
Import Documentary Credit (over 1 month) Sight	$50 THB1,600 LAK450,000	0.15% (per month)	App	$60 THB1,950 LAK540,000	App
Import Documentary Credit (over 1 month) Term	$50 THB1,600 LAK450,000	0.15% (per month)	App	$60 THB1,950 LAK540,000	App
Import L/C Amendment Fee (Amount or expiry)	$50 THB1,600 LAK450,000	0.15% (per month)	App	$30 THB950 LAK270,000	App
Import L/C Amendment Fee (All other conditions)	$50 THB1,600 LAK450,000	NA	App	$30 THB950 LAK270,000	App
Import Collection Fee	$50 THB1,600 LAK450,000	0.15% (of value)	Dwe	NA
Export Documentary Credit Advising/ Amendment/ Cancellation	$25 THB800 LAK225,000	NA	Ben	NA
Export Documentary Credit Negotiation	$50 THB1,600 LAK450,000	0.20% (of value)	Ben	NA
Export LC Confirmation			On Application
Export Documentary Collection	$50 THB1600 LAK450,000	0.15% (of value)	Dwr	NA
Export Clean Collection (Cheque) STANDARD	$20 THB650 LAK180,000	NA	Dwr	NA
Export Clean Collection (Cheque) EXPRESS	$20 THB650 LAK180,000	0.15% (of value)	Dwr	NA
Signing of import/export documents	$10 THB350 LAK90,000	NA		NA
Line Fee (Trade Limits only)	$100 THB3,200 LAK900,000	0.25% (annual)		NA
Percentage Fee (per month)	7 days grace in monthly fees, then full month charged i.e. issue 1st Oct, expire Nov 10th = 2 months

Handling

Product	Document Handling Fee	Pay	Acceptance of Term LC	Pay
Import Documentary Credit (up to 1 month) Sight	$50 THB1,600 LAK450,000	App	NA
Import Documentary Credit (up to 1 month) Term	$50 THB1,600 LAK450,000	App	0.15%	App
Import Documentary Credit (over 1 month) Sight	$50 THB1,600 LAK450,000	App	NA
Import Documentary Credit (over 1 month) Term	$50 THB1,600 LAK450,000	App	0.15%	App
Import L/C Amendment Fee (Amount or expiry)	NA		NA
Import L/C Amendment Fee (All other conditions)	NA		NA
Import Collection Fee	NA		NA
Export Documentary Credit Advising/ Amendment/ Cancellation	NA		NA
Export Documentary Credit Negotiation	NA		NA
Export LC Confirmation	NA		NA
Export Documentary Collection	NA		NA
Export Clean Collection (Cheque) STANDARD	NA		NA
Export Clean Collection (Cheque) EXPRESS	NA		NA
Signing of import/export documents	NA		NA
Line Fee (Trade Limits only)	NA		NA
Percentage Fee (per month)	7 days grace in monthly fees, then full month charged i.e. issue 1st Oct, expire Nov 10th = 2 months

Payment

Product	Import L/C Reimbursement Commission	Pay	Discrepancy Fee	Pay	Courier Fee	Pay
Import Documentary Credit (up to 1 month) Sight	$90 THB2,900 LAK810,000	Ben	$90 THB2,900 LAK810,000	Ben	NA
Import Documentary Credit (up to 1 month) Term	$90 THB2,900 LAK810,000	Ben	$90 THB2,900 LAK810,000	Ben	NA
Import Documentary Credit (over 1 month) Sight	$90 THB2,900 LAK810,000	Ben	$90 THB2,900 LAK810,000	Ben	NA
Import Documentary Credit (over 1 month) Term	$90 THB2,900 LAK810,000	Ben	$90 THB2,900 LAK810,000	Ben	NA
Import L/C Amendment Fee (Amount or expiry)	NA		NA		NA
Import L/C Amendment Fee (All other conditions)	NA		NA		NA
Import Collection Fee	$20 THB650 LAK180,000	Dwr	NA		NA
Export Documentary Credit Advising/ Amendment/ Cancellation	NA		NA		NA
Export Documentary Credit Negotiation	NA		NA		$75 THB2,400 LAK675,000	Ben
Export LC Confirmation	NA		NA		NA
Export Documentary Collection	NA		NA		$75 THB2,400 LAK675,000	Dwr
Export Clean Collection (Cheque) STANDARD	NA		NA		$5 THB160 LAK45,000	Dwr
Export Clean Collection (Cheque) EXPRESS	NA		NA		$75 THB2,400 LAK675,000	Dwr
Signing of import/export documents	NA		NA		NA
Line Fee (Trade Limits only)	NA		NA		NA
Percentage Fee (per month)	7 days grace in monthly fees, then full month charged i.e. issue 1st Oct, expire Nov 10th = 2 months

App = Applicant, Ben = Beneficiary, Dwe = Drawee, Dwr = Drawer

Fee concessions and waivers are to be escalated to the Head of B & PFS or to the Managing Director

Funds Transfer Services

	Definition	Minimum Fee	Percentage Fee	Maximum Fee
International Funds Transfer Outward	Telegraphic transfer of funds internationally.	$25 THB800	0.2% + $15 SWIFT Fee	by negotiation
International Funds Transfer Inward	Receipt of international telegraphic transfer funds into ANZV bank account.	$10 THB350 LAK90,000	0.2%	by negotiation
Domestic Funds Transfer Outward	Telegraphic transfer of funds locally within Laos to Provinces and other Banks from ANZV account.	$10 THB350 LAK90,000
Domestic Funds Transfer Inward	Receipt of local telegraphic transfer funds into ANZV bank account.	$1 THB35 LAK9,000
Payroll to ANZV Account	Processing of payroll transactions to ANZV accounts. Fee levied on each individual transaction.	$0.75 THB25 LAK7,000
Payroll to ANZV Account ANZV@Work Program	Processing of payroll transactions to ANZV accounts included within ANZV@Work package. Fee levied on employer on each payroll file.	$5 THB160 LAK45,000
Payroll to Other Domestic Bank	Processing of payroll transactions to accounts with local banks. Fee levied on each transaction.	$2 THB65 LAK18,000
List Pay	Processing of other payments to accounts with ANZV and other banks.	$2 THB165 LAK18,000

Bank Drafts & Cheques

	Definition	Minimum Fee	Percentage	Other Fee
Bank Cheque	Issuance of an ANZV Bank Cheque.	$5 THB160 LAK45,000

Standing Orders

	Definition	Fee
Establishment	Fee for establishment of a standing order on an ANZV bank account.	$5 THB160 LAK45,000
Ongoing Fee	Fee charged each time a standing order payment is debited to an ANZV bank account.	$2 THB65 LAK18,000
Amendment	Fee lievied each time a standing order is amended.	$2 THB65 LAK18,000

Other Fees

	Definition	Fee	Frequency
Outward Dishonour Fee	Charged each time a cheque drawn on an ANZV account is dishonoured.	$50 THB1,600 LAK450,000	Charged on each item dishonoured.
Inward Dishonour Fee	Charged each time a cheque paid into an ANZV account is dishonoured.	$10 THB350 LAK90,000	Charged on each item dishonoured.
Inward Dishonour Fee (foreign cheques)	Charged each time a foreign cheque paid into an ANZV account is dishonoured.	$25 THB800 LAK225,000	Charged on each item dishonoured.
Honour Fee	Charged once each day an account is in excess and debits ae passed through account.	$20 THB650 LAK180,000	Once per day.
Standing Order Dishonour Fee	Charged each time a standing order transfer is dishonoured.	$25 THB800 LAK225,000	Charged per standing order dishonoured.
Stop Cheque Fee	Fee levied for placing a stop on a lost or stolen cheque.	$10 THB350 LAK90,000	Each time stop is placed on cheque.
Loan Arrears Fee and excesses	Fee chared if a loan repayment is missed and not corrected wthin 7 days of due date.	3% per month
Cheque Book Fee	Fee for issuance of a new cheque book.	$5 THB160 LAK45,000	Each time a cheque book is issued.
Visa Debit Card Cash Advance	Fee charged for cash advance on credit card facility.	3%. Minimum $5 THB160 LAK45,000	Per cash advance.
Cash Advance for other Credit Cards	Fee charged for cash advance on credit card facility.	3%. Minimum $5 THB160 LAK45,001	Per cash advance.
Travellers Cheque Encashment	Fee charged for encashment of travellers cheques.	2% minimum $5 THB160 LAK45,000	Per encashment.
Visa Debit Card	Fee levied for the provision of an Visa Debit Card.	$55 THB1,800 LAK500,000	Charged annually.
Cable Fee	Fee levied each time a SWIFT message is required to be sent by ANZV to a correspondent bank.	$15 THB500 LAK135,000	Charged each time a SWIFT message is sent.
Security Discharge Fee	Charged each time a loan security item is discharged.	$10 THB350 LAK90,000	plus any additional external charges
Property Discharge Fee	Charged each time a property security is released.	$10 THB350 LAK90,000	plus any additional external charges
Property Settlement Fee	Charged each time ANZV is required to attend a property settlement.	$10 THB350 LAK90,000	plus any additional external charges
Property Inspection Fee	Charged each time ANZV is required to attend a property valuation or inspection.	LAK150,000 USD17 THB550
Certified Cheque		$5 THB160 LAK45,000
USD and THB local cheque collection		$5 THB160 LAK45,000
Certificate of Balance of Account		$10 THB350 LAK90,000
Certificate of Loans Outstanding		$10 THB350 LAK90,000
Passbook Replacement (lost or stolen)		$4 THB130 LAK36,000
Replacement of Lost or Stolen Debit Card		$5 THB160 LAK45,000
Late Clearing Cheque Purchase		$2 per cheque THB65 LAK18,000
Credit Advice from Other Banks		$2 THB65 LAK18,000
Bulk Cash Counting		5c per bundle LAK500
Safe Deposit Locker (small) annual fee		$25 THB800 LAK225,000
Safe Deposit Locker (Medium) annual fee		$40 THB1,300 LAK360,000
Safe Deposit Locker (Large) annual fee		$75 THB2,400 LAK675,000
Safe Deposit Locker (key deposit)		$500 THB16,000 LAK4,500,000
Statement by request		$1 THB35 LAK9,000	per request
Documents search (> 1 year)		$25 THB800 LAK225,000
Photocopy of documents at customer request		$1 THB35 LAK9,000	per page
Fax - Local at customers request		$1 THB35 LAK9,000	per page
Fax - overseas at customers request		$4 THB130 LAK36,000	per page
Mail - Local at customers request		$1 THB35 LAK9,000	per regular sized letter. Additional charges may apply if letter is non-regular size
Mail - overseas at customers request		$5 THB160 LAK45,000	per regular sized letter. Additional charges may apply if letter is non-regular size