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Extract from the <strong>service</strong> <strong>charge</strong> list for private customers<br />
- Accounts, payments and account information<br />
Valid from 1May 2012<br />
ACCOUNTS<br />
EXTENDED PACKAGE<br />
Monthly fee for the Extended Package<br />
-Basic fee € 6.40<br />
BASIC PACKAGE<br />
Monthly fee for the Basic Package<br />
-Basic fee € 4.40<br />
CURRENT ACCOUNT PACKAGE (off sale)<br />
Monthly fee for the Current Account Package<br />
- Basic fee € 3.90<br />
- Customers under 26 yrs € 0.00<br />
DISCOUNTED FEE FOR EXTENDED PACKAGE, BASIC PACKAGE AND<br />
CURRENT ACCCOUNT PACKAGE when the sum of investments is<br />
- At least € 10 000 €1.00<br />
- At least € 50 000 € 2.90<br />
Investments to take into account 1) all deposits with <strong>Sampo</strong> Bank, 2) the market value of<br />
investments in mutual funds managed by Danske Invest Fund Management, 3) the market<br />
value of investment and retirement insurances managed by Mandatum Life and taken out<br />
from <strong>Sampo</strong> Bank, 4) the remaining capital of the bonds in custody accounts in <strong>Sampo</strong> Bank,<br />
5) the market value of publicly traded stocks in <strong>Sampo</strong> Bank’s custody accounts<br />
YOUTH PACKAGE<br />
Monthly fee for the Youth Package € 0.00<br />
- When the customer turns 28 years old, the price of the Basic Package<br />
will be <strong>charge</strong>d. € 1.50 - 4.40<br />
Page 1 / 5<br />
ECONOMY PACKAGE<br />
Monthly fee for the Economy Package € 4.40<br />
All the Packages includes:<br />
- Current account<br />
- Bank identifiers: access to Web Bank and Telephone Services<br />
- Electronic archive in web bank<br />
- Card purchases and web payments<br />
- Payment of invoices in eBanking and in automated payment <strong>service</strong><br />
- Cash withdrawals at Otto. ATMs and at branches<br />
- Account statement (delivered into the electronic archive for eBanking customers)<br />
Extended Package also includes:<br />
- MasterCard Gold combination card with travel insurance<br />
- Visa Gold Credit card with travel insurance<br />
- Debit MasterCard<br />
- Overdraft facility free of Establishment fee <strong>charge</strong> maximum € 1,000<br />
- Currency exchange in eBanking and at branches<br />
- The Resources account interest rate is 0.4% higher than usual (12-month<br />
Euribor rate – 0.80%)<br />
- A 25% discount on subscription fees for the most popular funds<br />
Basic Package also includes:<br />
- Debit MasterCard<br />
- Visa Credit card with separate monthly fee € 1.00<br />
- Overdraft facility free of Establishment fee <strong>charge</strong> maximum € 500<br />
<strong>Sampo</strong> Bank plc<br />
Registered domicile and address Helsinki,<br />
Hiililaiturinkuja 2, FI-00075 SAMPO BANK, Finland<br />
Business ID 1730744-7
The Youth Package also includes:<br />
- MasterCard combination card<br />
-Visa Credit card<br />
-Visa Electron card<br />
- Debit MasterCard<br />
- Overdraft facility free of Establishment fee <strong>charge</strong> maximum € 200<br />
- Currency exchange in eBanking and at branches<br />
The Economy Package also includes:<br />
- Visa Electron card<br />
CURRENT ACCOUNT<br />
On sale only Current Account 0 – 17 yrs (Young Current Account) € 0.00<br />
- Current Account also includes a Visa Electron card<br />
SAVINGS ACCOUNT and GOLDEN PIGLET SAVINGS ACCOUNT<br />
Monthly fee for the Savings Package € 0.00<br />
The Savings Package includes:<br />
- Bank identifiers: access to Web Bank and Telephone Services<br />
- Account statement<br />
- Account transfers: a maximum of two free-of-<strong>charge</strong> debit transactions<br />
during a month using the following facilities<br />
- Cash withdrawals at Otto. ATMs and at branches<br />
- Card purchases and web payments<br />
- Payment of invoices in eBanking and in automated payment <strong>service</strong><br />
- Debit transactions each (in excess of the two debit transactions € 1.80<br />
included in the package)<br />
For payment of invoices in other than the above mentioned ways a fee is debited<br />
according to the list of <strong>service</strong> <strong>charge</strong>s.<br />
RESOURCES ACCOUNT<br />
-2 withdrawals/account transfers free of <strong>charge</strong> per calendar year<br />
-Other withdrawals/account transfers each € 6.00<br />
Page 2 / 5<br />
SMART ACCOUNT (off sale)<br />
No fees, but if a withdrawal is made from the account or the account is closed,<br />
that month interest rate is half of The European Central Bank base rate.<br />
RETURN ACCOUNT (part of the base Package for Depositor)<br />
-2 withdrawals/account transfers free of <strong>charge</strong> per month<br />
-Other withdrawals/account transfers each € 6.00<br />
DEPOSIT ACCOUNT (off sale)<br />
4 withdrawals free of <strong>charge</strong> per calendar year, others each € 6.00<br />
e DEPOSIT ACCOUNT (off sale)<br />
2 account transfers in eBanking free of <strong>charge</strong> per month, others each € 6.00<br />
PAYMENTS<br />
Payment of invoices via Payment envelopes / invoice € 1.50<br />
-from Current Account on Extended Package and Basic Package € 1.30<br />
-from Savings Account € 1.80<br />
Payment of invoices via Personal Service / invoice<br />
Account transfer at branches and via Telephone Service<br />
-from Current Account and from Extended Package and Basic Package € 3.50<br />
-from Savings Account € 4.00<br />
Payment of invoices with cash at branches € 6.00<br />
Payment of invoices as urgent payments € 12.00<br />
Present check € 2.00<br />
Money remittance<br />
-Transfer on an account by telephone and in a payment envelope € 1.80<br />
-Withdrawal at a branch € 0.00<br />
<strong>Sampo</strong> Bank plc<br />
Registered domicile and address Helsinki,<br />
Hiililaiturinkuja 2, FI-00075 SAMPO BANK, Finland<br />
Business ID 1730744-7
CASH AT BRANCHES, MAKING A DEPOSIT<br />
(Funds collected by private individuals for savings purposes)<br />
In a <strong>Sampo</strong> Bank account using an automated deposit machine<br />
-Coins up to € 100 € 0.00<br />
-Coins in excess of € 100, of the value 2.00 %<br />
-Notes € 0.00<br />
On an account outside <strong>Sampo</strong> Bank<br />
-Notes, of value 0.40 %<br />
-Coins, of value 4.00 %<br />
A minimum of € 8.75<br />
On one’s personal account through personal <strong>service</strong><br />
-Coins up to € 100 € 0.00<br />
-Coins in excess of € 100, of value 3.00 %<br />
Money counted at the calculating centre € 14.00<br />
If the quantity of cash brought into the bank is too large to be calculated normally, the branch<br />
office dispatches the cash to the calculating centre to be credited to the customer’s account.<br />
EXCHANGE OF COINS<br />
-Into notes or larger coins, of value 4,00 %<br />
-A minimum of (incl. € 6 <strong>charge</strong> for cash payment) € 12,75<br />
COINS, PACKED<br />
-Set quantities in rolls or bags, of value 3.00 %<br />
-Minimum <strong>charge</strong>/transaction € 6.75<br />
-A maximum of one roll a week or a maximum of 100 loose coins € 0.00<br />
BANKNOTES, WITHDRAWALS<br />
Cash reservation fee<br />
- Withdrawals not notified to the bank in advance (3 banking days)<br />
in excess of € 4,000 are subject to cash reservation fee for the<br />
amount exceeding € 4,000 0.25 %<br />
ACCOUNT INFORMATION<br />
Balance enquiry on ATMs € 0.20<br />
Transaction enquiry on ATMs € 0.50<br />
Balance and transaction enquiries as Personal Service € 1.80<br />
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Balance and transaction enquiry as an ordered text € 0.25<br />
message, per message +mnc<br />
Agreed information by text message, per message € 0.25<br />
Receipts / each<br />
-Receipt ordered upon payment € 1.80<br />
-Receipt upon payment at branch € 0.00<br />
-Receipt ordered afterwards € 3.80<br />
Balance and interest statement (regarding one account) € 3.80<br />
Audit letter (regarding total banking) € 15.00<br />
Account statement<br />
-Monthly € 0.00<br />
- Printed account statement for eBanking customers € 1.00<br />
-For more than once a month / each € 1.00<br />
-Account statement ordered afterwards / month € 3.80<br />
Pledging of an account (e.g. as rental deposit) € 25.00<br />
Notices<br />
-Of insufficient account coverage € 2.50<br />
-Overdraft fee €10.00<br />
-Overdraft facility € 20.00<br />
-Letter of notice about overdraft € 5.00<br />
BANK IDENTIFIERS<br />
The first bank identifiers<br />
-Collection at branch or sent by post € 0.00<br />
Renewal of bank identifiers or separate PIN codes<br />
-Collection at branch € 0.00<br />
-Sent by post € 7.00<br />
<strong>Sampo</strong> Bank plc<br />
Registered domicile and address Helsinki,<br />
Hiililaiturinkuja 2, FI-00075 SAMPO BANK, Finland<br />
Business ID 1730744-7
Automatically sent security card replacing the spent security card € 0.00<br />
-Collection at branch € 0.00<br />
-Sent by post € 7.00<br />
Delivery of bank identifiers and separate PIN codes abroad<br />
-By mail, with an acknowledgement of receipt € 7.00<br />
-By courier <strong>service</strong> € 45.00<br />
Delivery of separate security cards abroad<br />
-By mail, with an acknowledgement of receipt € 7.00<br />
-By courier <strong>service</strong> € 45.00<br />
TELEPHONE SERVICES<br />
Personal <strong>service</strong><br />
With bank identifiers 0200 2590 Mon – Fri 9am – 18pm lnc/mnc<br />
Automated <strong>service</strong> € 0.06 / min<br />
With bank identifiers 0200 2591 24 h / day + lnc/mnc<br />
INTERNATIONAL PAYMENT SERVICES<br />
FOREIGN CURRENCY<br />
Sale of banknotes<br />
-As an order in eBanking (collection at <strong>Sampo</strong> Bank branch) € 1.75<br />
-otherwise € 3.50<br />
Purchase of banknotes € 3.50<br />
PAYMENTS ABROAD<br />
Account transfer as SEPA-payment € 0.00<br />
-The payment is in euro and is paid from one EU country to another<br />
-Beneficiary’s account number is given in the IBAN form<br />
-Beneficiary’s bank is given in the BIC/SWIFT code address form<br />
-The payer and the beneficiary pay the costs of their respective banks<br />
Other than SEPA payment account transfer abroad € 8.50<br />
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Account transfer to customer’s own account within<br />
Danske Bank -group € 0.00<br />
-Danske Bank –group includes:<br />
<strong>Sampo</strong> <strong>Pankki</strong> (Finland), Danske Bank (Denmark), Danske Bank (Sweden), Fokus Bank<br />
(Norway), National Irish Bank (Ireland), Northern Bank (Northern Ireland), Danske Bank,<br />
(Luxemburg), Danske Bank, subsidiaries in London, in Hamburg and in Warsaw<br />
Payments transmitted by express order € 35.50<br />
International cheque € 20.00<br />
Bank posts the cheque to the principal or to the beneficiary<br />
Charges for full-amount payments € 20.00<br />
If the payer also pays the recipient’s bank fees (to the full<br />
amount to the recipient) the payment is subject to an<br />
additional <strong>charge</strong><br />
<strong>Sampo</strong> Bank only guarantees the delivery of the payment in full as far as the correspondent<br />
bank. If the correspondent bank forwards the payment further, the transmitting bank or the<br />
recipient’s bank may deduct its expenses from the amount paid to the beneficiary.<br />
Additional fee for transfers to EU/EEA countries if no IBAN<br />
provided € 10.00<br />
Cancellation of payment<br />
-Cancellation of an unprocessed payment € 10.00<br />
-Cancellation of a processed payment € 35.00<br />
-Payment blockage sent to a foreign bank upon request of a party<br />
other than the bank / cheque € 35.00<br />
PAYMENTS FROM ABROAD<br />
Incoming SEPA-payment € 0.00<br />
(see rules of an SEPA-payment in chapter Payments abroad)<br />
Other incoming payment from abroad € 6.00<br />
Other incoming payment from abroad into an account at another bank in<br />
Finland € 6.70<br />
<strong>Sampo</strong> Bank plc<br />
Registered domicile and address Helsinki,<br />
Hiililaiturinkuja 2, FI-00075 SAMPO BANK, Finland<br />
Business ID 1730744-7
Encashment of cheques<br />
Cheque in foreign currency 0.30 % or minimum € 13.00<br />
Cheque in euro<br />
- To be paid in the euro area 0.30 % or minimum € 13.00<br />
- Drawn on <strong>Sampo</strong> Bank € 13.00<br />
- Drawn on another bank in Finland 0.20 % or minimum € 13.00<br />
For a cheque whose currency is different from the paying country’s currency,<br />
fees of the foreign bank will be <strong>charge</strong>d afterwards, if any.<br />
Cheque taken on collection basis 0.20 %, minimum € 45.00 and<br />
maximum € 350.00<br />
-in addition, fees of the foreign bank and courier expenses, if any<br />
Cheque returned unpaid € 35,00<br />
-in addition, other possible expenses, e.g. fees of the foreign bank<br />
Traveller’s cheques € 1.00/cheque,<br />
minimum € 5.00 per change<br />
RECEIPTS, VOUCHERS AND NOTIFICATIONS FOR<br />
FOREIGN PAYMENTS<br />
-Receipt, voucher or a copy of a voucher / each € 2.00<br />
-Domestic postage expenses € 2.50<br />
-International postage expenses, actual costs<br />
-Notification by mail about an uncovered assignment € 2.50<br />
-Queries and amendments € 20.00<br />
FOREIGN CURRENCY ACCOUNT<br />
Foreign currency deposit<br />
-In cash at branch on a currency account at <strong>Sampo</strong> Bank € 0.00<br />
The bank purchases notes at the purchase exchange rate for notes and credits the foreign<br />
currency account according to the average rate.<br />
Page 5 / 5<br />
Foreign currency withdrawal at branch<br />
The bank debits the foreign currency account according to the average rate and sells the<br />
notes at the selling exchange rate for notes.<br />
Account transfer<br />
-As a domestic payment at branch or via Telephone Service € 3.50<br />
-As a foreign payment, see Payments abroad<br />
Account statement € 0.00<br />
-Account statement or account statement duplicate drawn up minimum of<br />
separately / page € 4.20<br />
Balance and interest statement drawn up separately € 14.50<br />
CLARIFICATION WORK<br />
Reports or <strong>service</strong>s not shown in the price list and requested by the customer<br />
will be <strong>charge</strong>d according to the actual work costs; however, the minimum<br />
<strong>charge</strong> for each full hour or part thereof is made € 55.00<br />
Payment default or another breach of contract will be subject to costs, which<br />
shall be the responsibility of the debtor. Such expenses include legal costs,<br />
collection agency expenses or fees <strong>charge</strong>d by the execution authority. The<br />
rates of these <strong>charge</strong>s are based on the legislation and the price lists of different<br />
<strong>service</strong> providers valid at the time.<br />
These prices are the valid minimum rates which the Bank has the right to<br />
change. If the work costs arising from the customer’s request exceed these<br />
rates, the actual work costs will be <strong>charge</strong>d. The Bank is entitled to <strong>charge</strong> for<br />
payments and <strong>service</strong>s from the customer’s account.<br />
<strong>Sampo</strong> Bank plc<br />
Registered domicile and address Helsinki,<br />
Hiililaiturinkuja 2, FI-00075 SAMPO BANK, Finland<br />
Business ID 1730744-7
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