Tariffs


Commission fees for services provided to individuals
Commission fees for services provided to legal entities
Commission fees for services provided to banks
Commission fees for providing services on documentary operations of legal entities and banks
Tariffs for the issuance and maintenance of payroll cards for legal entities and individual entrepreneurs 


Tariffs and conditons of Commissions fees of OJSC VTB Bank (Azerbaijan)

OJSC VTB BANK (AZERBAIJAN)

CONDITIONS

1. Commission charges for services not reflected in these rates, but provided by the VTB Bank (Azerbaijan) (hereinafter - the Bank) are withheld by arrangement of the parties.

2. In cases when provision of services exceed the standard amount of work and (or) there are incidental expenses, the Bank will charge additional commission fees from the client.

3. The Bank has the right to change tariffs unilaterally with prior notification of customers. Notification of customers about the tariff changes is carried out through placing the new tariffs (amended provisions of the Tariff) in the Bank office and (or) on the official website of the Bank within 10 calendar days before the effective date of new rates.

4. The Bank is not responsible for the misunderstanding, misinterpretation and distortion of the current tariffs.

5. Claims as to the commissions charged by the Bank are submitted to the Bank in written form within 15 days from the date of the operation, otherwise the claims are considered invalid.

6. If the Bank by mistake credited funds to the account of the client, the Bank has a right to write them off without acceptance.

7. Commission fees, set out in these rates are written off without acceptance at the same time with the amount of account operations.

8. Write-off of commission fees are carried out from the current account of the customer. When the currency exchange differs from the currency of the account for write-off of commission, withholding of commissions is carried out based on the exchange rate of the Central Bank of the Azerbaijan Republic for the currency the date of the operation.

9. Amount of commission charges withheld for ongoing operations, rounded to the hundredths part in the following way:

- if the thousandth part of the amount of commission is greater than or equal to 5, the amount is rounded off in the direction of increase;

- if the thousandth part of the amount of commission is less than 5, the amount is rounded off in the direction of decrease.

10. In the case of suspension of the operation at the request or order of the client, as well as for reasons not depending on the Bank, the charged commissions are not returned.

11For individual clients the bank may establish other rates that differ from the charges mentioned below.

12. Authority to establish individual tariffs belongs to Chairman of the Board on the basis of an application from a client

13. The present rates are approved by the Board of the Bank and enter into force since 17.04.2017

14. The above-mentioned provisions except for clauses 9 and 11 are described in customer treaties of Bank.

Commission fees for services provided to individuals1

OJSC VTB BANK (AZERBAIJAN) Settlement ans cash services

Operation’s currency3

AZN

USD

EUR /GBP/CHF

RUB

CNY

Bank account opening and maintenance

Account opening

Free

Account’s minimum balance

Not provided

Account maintenance

Free

Account closure

Free

Transfers and non-cash receipts 4,5

Receipt to account

Free

Transfer between accounts within the Bank6

Free

Transfer to account opened with another bank

0.1 %

min.1 AZN

max. 80 AZN

0.25 %

min. 25 USD

max.250 USD

0.25 %

min.25 EUR/GBP/CHF
max. 250EUR/GBP/CHF

0.15 %

min. 100 RUB

max. 5000RUB

0,5%
min. 100 CNY
max.500 CNY

Transfer from the current account to account on credits granted under product “Mortgage loan for open market”

1 %

min. 100 AZN

max. 500 AZN

1 %

min. 100 AZN

max. 500 AZN

1 %


min. 100 AZN

max. 500 AZN

1 %

min. 100 AZN

max. 500 AZN

Transfer of credits from the current account granted to SME banking

0,75 %

For “Micro credits” – 1%

Transfer to accounts with VTB Group bank


-

0.2 %

min. 20 USD

max.250 USD

0.2 %

min. 20 EUR/GBP/CHF

max.200 EUR/GBP/CHF

0.1 %

min. 100 RUB

max.4000 RUB

0.5%

min. 100CNY
max. CNY

Urgent transfer 7

5 AZN

50 USD 50 EUR/GBP/CHF 2000 RUB200 CNY

Transfer using «FULL PAY36» option

25 AZN

Utilities payment 8

Free

Payment for mobile phone services 8

Free

Changing banking details for transfer (except currency and amount)

3 AZN

30 USD/EUR/GBP/CHF

500 RUB

150 CNY

Investigation and cancellation of transfer9

7 AZN

50 USD/EUR/GBP/CHF

500 RUB

300 CNY

International transfers through urgent money transfer systems

On the basis of fees of urgent transfers systems

Transactions with cash 10,11

Receipt to account

Free



Free


Free


1%46

Receipt to account in repayment of the credits of retail banking

Free

Disbursement of cash posting to the paying-office of the Bank in the previous 12 months


Free45

Disbursement of cash transferred from own card account of customer Free

Disbursement of cash (except for transferred from credit accounts)

1 %

1 %

1 %

1%

1%

Disbursement of cash recieved from the banks of VTB Group - 0,5 %
min1USD/EUR/GBP/CHF
0,3 %
min.100 RUB

Disbursement of cash transferred from credit accounts on credit of retail banking (except for loans granted under the product “Mortgage loan for purchasing apartments from the developer - Bank’s partner”

1 %

1%

1%

1%


Disbursement of cash transferred from credit accounts on credits granted under the product “Mortgage loan for purchasing apartments from the developer - Bank’s partner

Free

Disbursement of cash transferred from credit accounts on loans for SME banking

0,75 %

for “Micro credits” – 1%

Encashment

According to the treaty (min. 41,30 AZN)37

Conversion 12,13

Cashless conversion47

0.8% of the sold amount

Cash conversions (Cash currency exchange)

Free

OJSC VTB BANK (AZERBAIJAN) Other operations

Deposit operations

Opening of deposit account

Free

Deposit operations

In compliance with the verificated terms of deposit product

Credit operations

Credit account opening

Free

Facility fee

In compliance with the verificated terms of credit product

Grant permits on authorization to operate the motor vehicles put in pledge at VTB Bank (Azerbaijan) OJSC

11,80 AZN37

Grant exit permits outside the territory of Azerbaijan Republic the motor vehicles put in pledge at VTB Bank (Azerbaijan) OJSC

29,50 AZN37

Other transactions 36

Provision of documents under the account 14

Free

Provision of certificate under the account

11,80 AZN37(in Azerbaijani and Russian)

17,70 AZN37(in other languages)

Provision of archival documents15

5,90 AZN37

Preparation of payment order upon customer request

Free

Monthly sending of electronic statements under the account

Free

Implementation of credit orders on the current account of a Notary from individuals 0,10 AZN

Payment cards maintenance29

VISA ELECTRON

(instant card)

VISA CLASSIC50

VISA GOLD31

VISA PLATINUM

Fee for cards maintenance

Annual maintenance

5 AZN

15 AZN

40 AZN

80 AZN

2-year maintenance

8 AZN

20 AZN

50 AZN

120 AZN

3- year maintenance

10 AZN

25 AZN

70 AZN

140 AZN

Fee for supplementary cards maintenance

Annual maintenance

5 AZN

13 AZN

30 AZN

60 AZN

2-year maintenance

8 AZN

18 AZN

40 AZN

100 AZN

3- year maintenance

10 AZN

22 AZN

50 AZN

120 AZN

Amount of the initial payment for the free card issuance

Annual maintenance

200 AZN/USD/EUR;

8000 RUB

1000 AZN/USD/EUR;

69000 RUR

2000 AZN/USD/EUR;

138000 RUR

5000 AZN/USD/EUR;

345000 RUR

2-year maintenance

300 AZN/USD/EUR;

12000 RUB

1500 AZN/USD/EUR;

103500 RUR

3000 AZN/USD/EUR;

207000 RUR

8000 AZN/USD/EUR;

552000 RUR

3-year maintenance

400 AZN/USD/EUR;

16000 RUB

2000 AZN/USD/EUR;

138000 RUR

4000 AZN/USD/EUR;

276000 RUR

10000 AZN/USD/EUR;

690000 RUR

Payment cards maintenance

VISA ELECTRON

(instant card)

VISA CLASSIC

VISA GOLD

VISA PLATINUM

Card replacement

10 AZN

10 AZN

10 AZN

10 AZN

Express order

(performance for 24 hours)

10 AZN

10 AZN

10 AZN

10 AZN

Cash withdrawals at ATMs of VTB Bank (Azerbaijan), at ATMs of preferential network of banks belonging to the VTB Group, AccessBank as well as PASHA Bank

1% (minimum 1 AZN/1.00 USD/1.00 EUR/50 RUB)

1% (minimum 1 AZN/1.00 USD/1.00 EUR/50 RUB)

1% (minimum 1 AZN/1.00 USD/1.00 EUR/50 RUB)

1% (minimum 1 AZN/1.00 USD/1.00 EUR/50 RUB)

Cash withdrawals at POS terminals of VTB Bank (Azerbaijan)

1% (minimum 1 AZN/1.00 USD/1.00 EUR/50 RUB)

1% (minimum 1 AZN/1.00 USD/1.00 EUR/50 RUB)

1% (minimum 1 AZN/1.00 USD/1.00 EUR/50 RUB)

1% (minimum 1 AZN/1.00 USD/1.00 EUR/50 RUB)

Cash withdrawals at ATMs of banks serviced connected to National network

1.5% (minimum 2 AZN /2.00 USD/2.00 EUR/100 RUB)

1.5% (minimum 2 AZN /2.00 USD/2.00 EUR/100 RUB)

1.5% (minimum 2 AZN /2.00 USD/2.00 EUR/100 RUB)

1.5% (minimum 2 AZN /2.00 USD/2.00 EUR/100 RUB)

Cash withdrawals at ATMs of banks with International ATM network

1.5% (minimum 3 AZN /3.00 USD/3.00 EUR/150 RUB)

1.5% (minimum 3 AZN /3.00 USD/3.00 EUR/150 RUB)

1.5% (minimum 3 AZN /3.00 USD/3.00 EUR/150 RUB)

1.5% (minimum 3 AZN /3.00 USD/3.00 EUR/150 RUB)

Cash withdrawals at POS terminals of other banks

1.5% (minimum 5 AZN /5.00

USD/5.00 EUR/250 RUB)

1.5% (minimum 5 AZN /5.00

USD/5.00 EUR/250 RUB)

1.5% (minimum 5 AZN /5.00

USD/5.00 EUR/250 RUB)

1.5% (minimum 5 AZN /5.00

USD/5.00 EUR/250 RUB)

“Unique” operations 32

2% (minimum 5 AZN/ 2.00

USD/5.00 EUR/250 RUB)

2% (minimum 5 AZN/ 2.00

USD/5.00 EUR/250 RUB)

2% (minimum 5 AZN/ 2.00

USD/5.00 EUR/250 RUB)

2% (minimum 5 AZN/ 2.00

USD/5.00 EUR/250 RUB)

The interest rate in excess of the account balance (overdraft)
50% per annum, interest on the amount perelimita occurs on the fourth working day44

Comission for transfer from the card account to the current account (in case closing a card)According to the fees for the "Withdrawal of cash in ATMs of VTB Bank (Azerbaijan)", depending on the type of product (the sum of not exceeding 1 AZN / 1.00 USD / 1.00 EUR / 50 RUB - no fixed minimum commission).

Unblocking PIN

2 AZN

Conversion for card in the AZN on cash and non-cash transactions

5 %

 Conversion for card in the foreign currency on cash transactions in the AZN currency                                                                                                                          5%
                                        Conversion for card in the foreign currencyon non-cash transactions (not including AZN)                                                                                                                       0.5%

“Retail” operation 33

Commission is not charged

“Chargeback” operations 34

2% of the sum (minimum 15 AZN)

Mobile bank service                                                                                                 10 AZN for annual maintenance

SMS notification

2.00 AZN21 will be automatically withheld from the card monthly

Cash withdrawals at POS-terminals of Bank using cards issued by other banks

1%

Transfer of funds money under Card-to-Card operation within country

0,50% (min. 0,50 AZN, 0,50 USD, 0,50 EUR, 25 RUB)

Receipt of funds to the salary card of VTB (Azerbaijan) under Card-to-Card operation

1%

Transfer of funds using “Cash by Code” service 42

when withdrawing money at ATMs of VTB Bank (Azerbaijan): 1.5% (2.00AZN/2.00 USD/2.00EUR/100RUB);

when withdrawing money at ATMs of within Azericard network: 2.0% (2.50 AZN/2.50 USD/2.50EUR/125RUB);

Payment customs duties and taxes

0.2% (min 0.50 in AZN equivalent)

Payment of penalties, state duties and other kind of payments into state budget

0.5% (min 0.30 in AZN equivalent)

Deposit cards maintenance30

Card product

VISA CLASSIC, VISA GOLD, VISA PLATINUM

Fee for servicing the card

0 AZN

Card replacement

10 AZN

Express order

(performance within 24 hours)

10 AZN

Receipt to account 26

1%

Cash withdrawals at ATMs of VTB Bank (Azerbaijan), at ATM network of banks belonging to the VTB Group, AccessBank as well as PASHA Bank

0%

Cash withdrawals at ATMs of banks servicing at National network

1.5% (minimum 2 AZN /2.00 USD/100 RUB)

Cash withdrawals at ATMs of banks with International ATM network

1.5% (minimum 3 AZN /3.00 USD/150 RUB)

Cash withdrawals at POS terminals of VTB Bank (Azerbaijan)

0%

Cash withdrawals at POS terminals of other banks

1.5% (minimum 5 AZN /5.00 USD/250 RUB)

“Unique” operations32

2% (minimum 5 AZN/ 5.00 USD/250 RUB)

The interest rate in excess of the account balance (overdraft) 50% per annum, interest on the amount perelimita occur on the next business day44
Conversion for card in the AZN on cash and non-cash transactions                                                                         5%

Conversion for card in the foreign currency on cash transactions in the AZN currency                                                                         5%

Conversion for card of foreign currency on non-cash transactions                                                                        0.5%

“Retail” operations34

Commission is not charged

“Chargeback” operations35

2% of the sum (minimum 15 AZN)

SMS notification

free

Transfer of funds under Card-to-Cardtransaction within country

0,50% (min. 0,50 AZN/USD/25 RUB)

Receipt of funds under Card-to-Card, Cash-in

1% (min. 1 AZN/1 USD/50 RUB)

Transfer of funds using “Cash by Code” service 42

when withdrawing money at ATMs of VTB Bank (Azerbaijan): 1.5% (2.00AZN/2.00 USD/2.00EUR/100RUB);

when withdrawing money at ATMs of within Azericard network: 2.0% (2.50 AZN/2.50 USD/2.50EUR/125RUB);

Tariffs of Visa global support of customer 31

VISA ELECTRON

VISA CLASSIC

VISA GOLD

VISA PLATINUM

Cardholder's request38


Not provided

10 USD


7,5 USD

Blocking lost/stolen cards39

40 USD

Emergency card replacement40

225 USD

250 USD

Emergency cash advance41

175 USD

Penalty for refusing emergency cash / emergency card replacement services after the order

50 USD

Commission fees for services provided to legal entities2

OJSC VTB BANK (AZERBAIJAN)

operations of CASH AND settlement service

Operation’s currency3

AZN

USD

EUR

GBP/CHF

RUR

CHY

Bank account opening and maintenance

Account opening

Free

Account’s minimum balance

Not provided

Account maintenance

Free

Interest accumulation on the account balance

According to the treaty

Account closure

Free

Remittances and non-cash receipts 4,5

Receipt to account

Free

Transfer between accounts within the Bank6

Free

Transfer to account opened with another bank

0.1 %

min.1 AZN

max. 150 AZN

0.3 %

min. 25 USD

max.300 USD

0.3 %

min. 25 EUR

max.300 EUR

0.3 %

min. 25 GBP/CHF

max. 250 GBP/CHF

0,15%

min. 1000 RUB


max. 8000 RUB

0.5 %
min. 100 CNY
max. 500 CNY

Transfer from the current account on granting loans to SME banking

0.5 %

for “Micro credits” – 1%

Transfer to accounts with VTB Group bank – beyond the Republic

-

0.2 %

min. 25USD

max.250 USD

0.25 %

min. 25 EUR

max.250 EUR

0.25 %

min. 25 GBP/CHF

max. 250 GBP/CHF
0.1%

min. 700 RUB

max. 7500 RUB

0.5 %

min. 100 CNY
max. 500 CNY

Urgent transfer 7

5 AZN

70 USD 70 EUR 100 GBP/CHF 3000 RUB 300 CNY

Transfer using the option “FULL PAY35

25 AZN

Changing bank details for transfer (except currency and amount)

2 AZN

30 USD/EUR/GBP/CHF

500 RUB

150 CNY

Investigation and cancellation of transfer9

7 AZN

50 USD/EUR/GBP/CHF

500 RUB

300 CNY


Transactions with cash 10,11

Receipt to account


Free


Free

Free

Free

1 %12

Free

Disbursement of cash posting to the paying-office of the Bank in the previous 12 months


Free

Withdrawal of cash (other than those listed from loan accounts)for Notary services

* Conditions not applied for cash/debit collected from the Bank’s office during the previous 12 months

1%

-

-

Disbursement of cash

0.5 %
min. 1 AZN

0.7 %
min. 1 USD
1%
min. 1 EUR
1%
min. 1 GBP

1 %

min.50 RUB

Disbursement of cash transferred from credit accounts on credit for SME banking under category SMALL

0.75 %

for “Micro credits” – 1%

Disbursement of cash transferred from credit accounts on credit for SME banking under category MEDIUM

0.5 %

Disbursement of cash transferred from credit accounts on credit corporate banking

If funds will be withdrawn in cash

0.25%

0.25% 0.65% 1% 0.75%


If will be made cashless conversion into another currency in cash

0.25% - cash withdrawal

0.1% cashless conversion43

Encashment

According to the treaty (min 41,30 AZN37)

Conversion 12,13

Non-cash conversion

0.3% of the sold amount

min. 5 AZN max.1000 AZN

Cash currency exchange

Free

OJSC VTB BANK (AZERBAIJAN) Other operations

Deposit operations

Opening of deposit account

Free

Deposit operations

Subject to the approved conditions of deposit product

Credit operations

Credit account opening

Free

Facility fee

According to the treaty

"Bank-Client" system

Connection and servicing

Free

Provision electronic key

29,50 AZN37(for each key)

Other transaction36

Provision of documents under the account 14

Free

Sending statements through SWIFT

11,80 AZN37(for each statement)

Monthly sending of electronic statements under the account

Free

Provision of certificate under the account

11,80 AZN37(in Azerbaijanand Russian languages)

17,70 AZN37(in other languages)

Provision of duplicate-statements, archive documents 15

5,90 AZN37

Issuance of Check Book

11,80 AZN37

Preparation of payment order upon customer request

Free16

Commission fees for services provided to banks

OJSC VTB BANK (AZERBAIJAN) Operations of cash and settlement service

Operation’s currency 3

AZN

RUB

USD

EUR

GBP


CNY

Bank account opening and maintenance

Account opening

Free

Account’s minimum balance

Not provided

Account maintenance

Free

Sending SWIFT statement of account (MT950)

Free

Sending information about debit/credit advices via SWIFT messages of MT900/MT910 format

2 AZN

Interest accumulation on the account balance

According to the treaty

Account closure

Free

Transfers and non-cash receipts 4, 5

Receipt to account

Free

Transfer between accounts within the Bank 6

2 AZN

Transfer to account opened with another bank

Transfers in favor of banks (MT2**)27,28


15 AZN


400 RUB

25 USD

25 EUR

25 GBP
200 CNY

Transfers in favor of non-bank beneficiary (MT1**)

0.15%

min. 1.5 AZN

max 120 AZN

0,15%

min. 1500 RUB

max. 5000 RUB

0.3 %

min. 5 USD

max.300 USD

0.3 %

min. 25EUR

max 300 EUR

0.3 %

min. 25GBP

max. 300 GBP

0.5 %
min. 100 CNY
max. 500 CNY

Investigation regarding transfer, changing the details of a transfer, cancellation

5 AZN

1000 RUB

50 USD

70 EUR

80 GBP

300 CNY

Transactions with cash 10,11

Receipt to account


Free


1%11

Free

1%

Free

Cash disbursement

As per agreement

Encashment

According to the treaty 37

Conversion transactions12

Non-cashless conversion

Free

Purchase/sale cash currency

Free

OJSC VTB BANK (AZERBAIJAN) Other operations

Other transactions

Provision documents under the account, including on a paper medium on request of auditor14

Residents – 5.90 AZN37

Non-residents – 11.80 AZN37

Provision of certificate under the account

Residents – 5.90 AZN37

Non-residents – 11.80 AZN37

Provision of archival documents and duplicates15

5,90 AZN37

Issuance of Check book

11,80 AZN37

Commission fees for providing services on documentary operations of legal entities and banks

OJSC VTB BANK (AZERBAIJAN) Documentary operations17-25

Letter of credit

Transfer of the letter of credit

0.15%

min. 50 AZN

max. 500 AZN

0.15%

min.50 USD

max. 500 USD
0.15%

min. 50 EUR

max. 500 EUR
0.15%

min. 50 GBP/CHF

max. 500 GBP/CHF
0.15%

min. 1000 RUB

max. 10000 RUB

Verification of the documents under a letter of credit

0.2%

min.100 AZN

max. 1000 AZN

0.2%

min.100 USD

max.500 USD
0.2%

min.100 EUR

max.500 EUR
0.2%

min.100 GBP/CHF

max.500 GBP/CHF
0.2%

min.2000 RUB

max.20000 RUB

Import

Opening of a letter of credit

0.2%

min. 100 AZN

max. 1000 AZN

0.2%

min. 100 USD

max. 500 USD

0.2%

min. 100 EUR

max. 500 EUR

0.2%

min. 100 GBP/CHF

max.500 GBP/CHF
0.2%

min. 2000 RUB

max. 20000 RUB

Payment under a letter of credit

0.2%

min. 25 AZN

max. 250 AZN

0.2%

min. 25 USD

max. 250 USD
0.2%

min. 25 EUR

max. 250 EUR
0.2%

min. 25 GBP/CHF

max. 250GBP/CHF
0.2%

min. 1000 RUB

max. 10000 RUB

Cancellation of a letter of credit

100 AZN

100 USD100 EUR 100 GBP/CHF 3000 RUB

Increasing letter of credit amount

0.2%

min. 100 AZN

max. 1000 AZN

0.2%

min. 100 USD

max. 500 USD
0.2%

min. 100 EUR

max. 500 EUR
0.2%

min. 100 GBP/CHF

max. 500 GBP/CHF
0.2%

min. 2000 RUB

max. 20000 RUB

Amendments of l/c conditions (except amount and period)

50 AZN – for each item

Export

Advise of a letter of credit and amendments thereto

0.1%

min. 50 AZN

max. 500 AZN

0.1%

min. 50 USD

max. 500 USD
0.1%

min. 50 EUR

max. 500 EUR
0.1%

min. 50 GBP/CHF

max. 500 GBP/CHF
0.1%

min. 1000 RUB

max. 10000 RUB

Preliminary advice of a letter of credit

50 AZN

50 USD 50 EUR 50 GBP/CHF 2000 RUB

Bank guarantees

Outcoming

Issuance of a guarantee

0.15%

min. 50 AZN

max. 500 AZN

0.15%

min. 50 USD

max. 500 USD
0.15%

min. 50 EUR

max. 500 EUR
0.15%

min. 50 GBP/CHF

max. 500 GBP/CHF
0.15%

min. 1000 RUB

max. 10000 RUB

Cancellation of guarantee

100 AZN

100 USD 100 EUR 100 GBP/CHF 3000 RUB

Amendment of conditions of guarantee (except for amount)

50 AZN (for each item)

Amount increase of a guarantee

0.15%

min. 50 AZN

max. 500 AZN

0.15%

min. 50 USD

max. 500 USD
0.15%

min. 50 EUR

max. 500 EUR
0.15%

min. 50 GBP/CHF

max. 500 GBP/CHF
0.15%

min.1000 RUB

max.10000 RUB

Performance of demand

0.3%

min. 25 AZN

max. 300 AZN

0.3%

min. 25 USD

max. 300 USD
0.3%

min. 25 EUR

max. 300 EUR
0.3%

min. 25 GBP/CHF

max. 300 GBP/CHF
0.3%

min. 500 RUB

max. 5000 RUB

Incoming

Advise of a guarantee and other messages under a guarantee

50 AZN

50 USD 50 EUR 50 GBP/CHF 2000 RUB

Verification of genuineness of signature and transfer of demand

70 AZN

70 USD 70 EUR 70 GBP/CHF 3000 RUB

Documentary collections

Export

Accepting documents for collection

0.1%

min. 50 AZN
max. 500 AZN

0.1%

min. 50 USD

max. 500 USD
0.1%

min. 50 EUR

max. 500 EUR
0.1%

min. 50 GBP/CHF

max. 500 GBP/CHF
0.1%

min. 1000 RUB

max. 10000 RUB

Cancellation of collection order

50 AZN

50 USD 50 EUR 50 GBP/CHF 2000 RUB

Amendment of conditions of collection order

50 AZN (for each change)

Import

Advice of a received collection order and amendments to it

50 AZN

50 USD 50 EUR 50 GBP/CHF 2000 RUB

Delivery of documents against the acceptance or payment

0.1%

min. 50 AZN

max. 500 AZN

0.1%

min. 50 USD

max. 500 USD
0.1%

min. 50 EUR

max. 500 EUR
0.1%

min. 50 GBP/CHF

max. 500 GBP/CHF
0.1%

min. 1000 RUB

max. 10000 RUB

Delivery of documents to the Customer without acceptance or payment, return of unpaid or unaccepted documents

0.1%

min.50 AZN

max. 500 AZN

0.1%

min. 50 USD

max. 500 USD
0.1%

min. 50 EUR

max. 500 EUR
0.1%

min. 50 GBP/CHF

max. 500 GBP/CHF
0.1%

min. 1000 RUB

max. 10000 RUB

 

Tariffs for the issuance and maintenance of payroll cards for legal entities and individual entrepreneurs

Payroll  card (Electron, Classic, Gold, Platinum)

 

Card issuance and maintenance fee

 

Monthly turnovers on payroll project

Number of payroll cards

1-50

>50

< 30,000

5 AZN

0

> 30,001

0

Card replacement

5 AZN

Urgent order (performance for 24 hours)

10 AZN

Cash withdrawals from ATMs and POS terminals of VTB Bank (Azerbaijan), ATMs of banks belonging to VTB Group and AccessBank as well 31

0% (min. 0 AZN)

 

Cash withdrawals from banks’ ATMs maintaining at National network

1.5% (min. 2 AZN)

Cash withdrawals from banks’ ATMs with International network

1.5% (min. 3 AZN)

 

Cash withdrawals from other banks’ POS terminals

 

1.5% (min. 5 AZN)

“Unique” operations 32

2% (min. 5 AZN)

Changing Card status

Free

Unblocking PIN

Free

Conversion for card in the AZN on cash and non-cash transactions                                                       5%

Conversion for card in the foreign currency on cash transactions in the AZN currency                                                       5%

Conversion for card in the foreign currency on non-cash transactions                                                      0.5%

Fee for crediting funds on account upon payroll accounting (under provisions laid down at the agreement with partner in the  payroll project)

0.2-0.5 %

Transfer money under card-to-card transaction within the country

                          0,50% (min. 0,50 AZN/USD) 

Fee for receipt of funds into account except upon payroll and paying off the authorized overdraft

1% (min. 1 AZN/USD)

Fee for incoming transfer on overdraft payment

1%

 “Retail” operations33

                           Free of charge

“Chargeback” operations34

2% of the sum (min. 15 AZN)

SMS Notifications

1,25 AZN (including VAT) automatically withheld from the card on a monthly basis

 

Notes to the Tariffs:

1       Individuals - persons who are not registered by a tax authority;

2      Legal entities - legal entities (except for financial organizations) and natural persons registered by the a authority (including private entrepreneurs);

3       In case if functional currency differs from the currency specified in the table, these operations are applied rates of operations in USD;

4       The word "transfer" means a payment order, carried out both by the order of the customer, and by order of the persons provided for by law of Azerbaijan Republic;

5       In the case of return of previously received uncertain amounts in foreign currency 10 AZN commission is charged. On return previously received uncertain amounts in national currency commission is not charged;

6       “Inter-bank” transfer means non-cash transfer of funds on which the sender and the recipient of funds are clients of the Bank;

7       Urgent transfer is carried out by the Bank within 30 minutes (according to working hours of the Bank) from the acceptance of the payment order. In this case the client put his/her signature and mark "urgent" in the upper right corner of the payment order. The commission for urgent transfer will be charged in addition to the rate for the transfer;

8      Payment of public utilities charge and services of mobile phone services are carried performed based on the contract between the Bank and the relevant company;

9       When other correspondent banks’ fees are higher Commissions of the underlined Tariffs, Bank’s expenses are written off from the Client in addition to the underlined Tariffs;

10        For cash payment of the amount of interests accrued for deposits from current accounts, commission is not charged;

11     For cash payment of the amount deposits made earlier in cash, commission is not charged;

12     Conversion operations are performed based on the corresponding exchange rates established by Bank;

13   Operation currency during the conversion implies currency purchased by the client;

14   Document on the account - an extract, payment order, advice, tax declaration and other documents;

15   Archival documents - documents with 6 months (180 days) and more term;

16  In case of the account is requested more than 2 document during a trading day, beginning with the third document 1 AZN commission is charged per document;

17 Operations for settlements in the form of letters of credit (including the Stand-by LC) are carried out in accordance with the Uniform Customs and Practice for Documentary Credits (International Chamber of Commerce publication No. 600 (UCP 600) as amended in 2007 or any subsequent revisions);

18 Unless otherwise is provided by the application of the Customer settlement transactions in the form of guarantees in case of issuance of guarantee in favor of beneficiaries in the territory of Azerbaijan Republic are performed in accordance of legislation of Azerbaijan Republic. All other Guarantees shall be performed in accordance with "Uniform Rules on first demand" (Publication of International Chamber of Commerce No. 758, (URDG758) revision of 2010 or any other revision) or in accordance with the agreement of the bank-guarantor's in case indirect guarantee;

19 Operations for settlements in the form of documentary collection are carried out in accordance with the law of Azerbaijan Republic or Uniform Rules for collections (publication No. 522 (URDG 522) of the International Chamber of Commerce as amended in 1995 or any subsequent revisions);

20 If there is not enough money coverage for the operation by the client and the client is allocated a credit / credit line, then interests and other commission fees set for the credit / credit line are paid in addition to fees for documentary operations;

21  Commissions to other banks participating in documentary transaction are paid by the Client in addition to the fees based on the underlined Tariffs, expect for the cases when the other parte will bear these costs according to the conditions of transaction;

22 If on making changes in documentary operations several changes are covered by one application of the client, commission fee will be charged according to the present tariffs as a single change;

23 Tariffs prescribed for guarantees apply also to standby letters of credit (Stand-by LC);

24 Operation postage is written off in the amount of actual postage costs of the Bank;

25 If on the terms of the operation (with regards to import letters of credit and outgoing guarantees) any costs are borne by the beneficiary, but it is impossible to write off these costs from him for any reason, then they are written off from the client according to the treaty;

26 Commission fee is not charged for receipting to account interest accrued on deposit;

27 When transferring received cash funds on the account fee is not charged;

28 Transfer fees on interbank credit/deposits are regulated interbank credit and deposit agreements;

29 The cards issued in following currency: debit - AZN, USD, EURO, RUB; deposit and credit - AZN, USD. Funds withdrawal on the card accounts defined according to the rates of VISA international payment system;

30 GCAS – Visa's Global Customer Assistance Service;

31 Preferential network of banks belonging to the VTB Group are following: VTB24, VTB Bank (Georgia), VTB Bank (Ukraine), VTB Bank (Kazakhstan), VTB Bank (Belarus), “Bank of Moscow”, “Leto Bank”;

32 Unique – fees associated with the use of the card at casino enterprises (operation for the purchase of chips and currency for the purpose of bookmaker strakes, gambling, purchase of quasi-cash, including operations on purchasing currencies of other payment systems online and so on);

33 Retail - payment of the goods and services in trade-service enterprises by debit or credit cards;

34 Chargeback is the return of funds. Sum due is deducted from Seller’s account on demand of card owner. If the righteous owner of the card is proved, amount of payment and plus commission for ChargeBack (Chargeback Fee) are deducted from Seller’s account. A challenge to a transaction initiated by the issuer after that the acquirer had competed the transaction;

35 Full Pay is an option for guaranteeing transfer of funds to the Customer’s account in the full amount without deduction of the commissions by the third banks;

36 At the implementation any operations connected with the registration/redemption of the property are collected funds for payment of the state duty to State Service for Registration of Real Estate according following:

- for redemption the property (payment  provided in online regime) - 31.36 AZN;

-for redemption the property (payment  provided in online regime) - 31 AZN;

-for charging the property in favour of the Bank (payment  provided in online regime) - 41.42 AZN;

-other commissions according to the tariffs of State Service for Registration of Real Estate under State Committee on Property Issues with regard to commission on the part of Golden Pay;

37 VAT18%, included;

38 It may be requested information about the nearest ATM/point of cash emergency or contact with the issuing bank;

39 Allows locking the card directly through VISA;

40 Allows replacing lost / damaged card anywhere in the world. After obtaining the approval from the Bank the whole procedure (issuance + delivery) takes 1 to 3 business days, depending on the card type and location of the client;

41 Issuance of cardholders in case of loss / stolen of the card is carried out after the approval of the Bank. Fee of Visa is 175 USD for one transaction;

42 Cash by code is a service allows sending moneyTo the payment cards attached to credit lines charge of percent on the amount of a relimit occurs next day. to a person who does not hold a plastic card. The recipient withdraws cash from an ATM using a special code, which forms the process of sending.

43 When withdrawing cash in the currency of a loan agreement / credit line agreement - cashless conversion will be carried out by the commission of 0.1% of the transaction amount.

44 Payment cards attached to credit lines charge of percent on the amount of a relimit occurs next day.

45 Including issues of the cash which is credited/collected in cash desk of Bank for the purpose of carrying out transaction on currency conversion.

46 Commission is not applied 

  • in case of purchase (conversion) of cash Russian rubles in  JSC VTB Bank (Azerbaijan);

  •   in case of credit settlements;

  •   in case of opening and replenishment of card products;

  •   in the case of opening and replenish the deposit (in case of early termination of the deposit to pay in cash rubles, additional commission of 1% applies in the case of wire transfer)

.47 Including multi-conversion, with a one-time deduction of commission from the original amount of the convertible.

48 If the correspondent bank keeps NON-STP fees (manual processing of payment), the commission fee is charged to the customer.

49 Excluding cashless transactions on the account for the specified period, but excluding loan repayments.

50 VISA Classic tariffs are valid for valid VISA Electron cards.