Fees and Limits

Account Funding Fees:
Funding via Bank transfer	Free of charge
Funding via commercial cards and cards issued outside EU 1	1.50%, Min. 0.75 EUR

Money transfers

Incoming transfers:
Transfers between own accounts	Free of charge
Transfers from other accounts within the system	Free of charge
Transfers in BGN and EUR currency from EEA countries 2	Free of charge
Credit transfers from other banks oustside EEA and credit transfers in currencies other than EUR from other EEA banks	Free of charge

Outgoing transfers:
Transfers between own accounts	Free of charge
Send money to an iCard user	Free of charge
Transfers to other accounts within the system	Free of charge
Instant transfers in BGN currency across Bulgaria (blink) 3	2.00 EUR
Transfers in BGN currency across Bulgaria (via BISERA)	0.50 EUR
Instant transfers in EUR currency to EEA countries (SEPA Instant transfers) 4	2.00 EUR
Transfers in EUR currency to EEA countries (SEPA Credit transfers) 5	1.00 EUR
Outgoing transfer in CHF – 'SHA'	4.50 EUR
Outgoing transfer in GBP - SHA	4.50 EUR
Outgoing transfer in RON - SHA
(Amount of transfer in EUR or its exchange value in foreign currency at the date of transfer)
≤ 24 999.99 EUR	4.50 EUR
≥ 25 000.00 EUR	6.00 EUR
Outgoing transfer in PLN - SHA	10.00 EUR
International transfer – 'SHA'	0.20%, Min. 5.00 EUR
International transfer - OUR	the charge for 'SHA' and
(Amount of transfer in EUR or its exchange value in foreign currency at the date of transfer)
≤ 10,000.00 EUR	+ 45.00 EUR
> 10,000.00 EUR and ≤ 30,000.00 EUR	+ 68.00 EUR
> 30,000.00 EUR and ≤ 50,000.00 EUR	+ 89.00 EUR
> 50,000.00 EUR	+ 110.00 EUR
Request for cancellation / return of a payment - pending transfer	10.00 EUR
Request for cancellation / return of a payment - executed transfer	75.00 EUR + any fees charged by the Correspondent Bank
Additional charges on transfer order with not correct IBAN and/or the BIC code	10.00 EUR
Investigation commencing within 3 months of original transaction date 6	75.00 EUR + any fees charged by the Correspondent Bank
Investigation of an executed transfer initiated by a Correspondent Bank	25.00 EUR + any fees charged by the Correspondent Bank

Payment requests
Generating a Payment request	Free of charge
Receiving payments via consumer Mastercard/VISA cards, issued in EU	0.80% + 0.50 EUR
Receiving payments via commercial Mastercard/VISA cards, issued in EU	2.50% + 1.50 EUR
Receiving payments via cards, issued outside EU	3.50% + 5.00 EUR

• 1. Variable fee based on the calculated percentage of the amount, but subject to a minimum flat fee
• 2. Valid for BISERA, SEPA and SEPA Instant inbound bank transfers.
• 3. Available only if the beneficiary's bank supports Instant transfers in BGN (blink). Usually, it is processed in less than 10 seconds.
• 4. Available only for transfers, made from the iCard for Business online platform. The transfer could be executed as an instant one only if the beneficiary's bank supports SEPA Instant credit transfers. Usually, the processing time takes up to 10 seconds.
• 5. Usually, it is processed in 1-2 business days.
• 6. For investigations commencing after 3 months of original transaction date, we will communicate the charges after receiving the information from the Correspondent Bank.
• 7. The Large account balance safekeeping monthly fee will be applied only if the total balance of your accounts exceeds €100 000 (or its equivalent of the respective currency). It is applicable only for the days in which the balance of all your accounts is above €100 000. The fee is 1.00% per annum and it will be calculated only with respect to the exceeded amount on an actual/360 day-count convention.
• 8. Other fees can be imposed by Client Mobile services provider.
• 9. You can request a refund of a SEPA Direct Debit debited within a period of eight weeks after the execution date and of any unauthorized transaction after eight weeks and up to thirteen months after the payment