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  • Account Type

    Fee
    Passbook Savings Account 10.00 USD
    Future Savings Account 1.00 USD
    Elderly Savings Account 2.00 USD
    Emigrant Savings Account 10.00 USD
    Current Account 100.00 USD
    Current Account for Community Groups 5.00 USD
    Depozitu Asu’wain 10.00 USD
    Student Savings Account 1.00 USD
    Pension Savings Account 10.00 USD
    Note: Fees are applicable for existing deposit products.

  • Maintenance Fees for Account:

    Account Type

    Fee
    Savings Account 0.50 USD per month
    Demand Deposit Account 1.00 USD per month
    Student Savings Account 0.00 USD per month
    Government Account 0.00 USD per month
    Pension Savings Account 0.25 USD per month
    Saving Asu'Wain Account
    		0.50 USD per month


    Deposit with Centavos Coins:
    Amount

    Fee
    < 1,000 No charge
    1,001 - 3,000 10.00 USD
    3,001 - 5,000 15.00 USD
    More than 5,000 25.00 USD


    P24 & UPI ATM Card Issuance Fees:

    Category

    Fee
    New Issuance (For new BNCTL ATM card issuance; no annual fee applies) 4.00 USD
    Reissuance (Loss/Damage) (For replacement due to loss or damage of BNCTL ATM card; no annual fee applies) 4.00 USD
    Issuance or Replacement for Elderly (Fee not applicable for Student Savings Accounts) 2.00 USD


    P24 & UPI  ATM Transactions:

    Transaction Type

    Fee
    P24 & UPI ATM Withdrawal
    		 0.25 USD per transaction
    P24 & UPI ATM Balance Inquiry 0.15 USD per inquiry
    Change PIN number 0.15 USD per change
    P24 & UPI ATM Account Transfer 0.25 USD per transaction
    UPI ATM Withdraw Fee in International Transaction
    		5.00 USD per transaction


    Withdrawal at Cash Counter:

    Description

    Fee
    Withdrawal at Cash Counter (Applicable to all deposit accounts) 0.50 USD per transaction


    50/100 USD Note Withdrawal Fees In Branch:
    Description

    Fee
    Withdrawal up to 50,000 USD (For large notes if requested by the customer) 5.00 USD
    Withdrawal of 100,000 USD (For large notes if requested by the client) 10.00 USD


    Fees for Changing Notes 50/100 USD at Branch:

    Description

    Fee
    Up to 10,000 USD (For large coin exchanges) 10.00 USD
    10,000 USD and above (For exchange of large notes) 20.00 USD

  • Description

    Taxa
    Within 6 months 25.00 USD per sheet
    Exceeding 6 months but within 8 years 50.00 USD per sheet

  • Reason

    Fee
    Insufficient funds 50.00 USD
    Other reasons 15.00 USD
    Cancellation of checks for any reason by written request from the issuer 20.00 USD
    Cheeque presented at clearing house (BCTL) 5.00 USD

  • Bank Statement Fees:

    Description

    Fee

    		Notes
    Bank Statement
    		 1.00 USD per monthApplies for a maximum period of three months or more, except government account.


    Issuance of Various Statements:

    Description

    Fee
    Bank Confirmation 50.00 USD
    Audit Confirmation 100.00 USD
    Cancellation of Bank Confirmation 5.00 USD
    Example: Statement of Balance, Indebtedness Statement, Account Authentication, etc. (Unless requested by the Court or Central Bank) Varies by request
    Checkbook Request 15.00 USD per 25 pages
    Check Withdrawal (less than 10,000.00 USD) 2.00 USD
    Check Withdrawal (10,000.00 USD or more) 5.00 USD

  • Local Transactions Incoming Transfer:

    No Category Fee Notes
    1 Ordinary Saving (6005,6012) 0.50 USD Applies only to individual and Asu'Wain accounts.
    2 Current Account (1001, 1003) 0.20% Max 15.00 USD Applies to companies and groups (Excludes government).


    Local Transactions Outgoing Transfer:
    No
    		Amount Fee Notes
    1 Transfer via RTGS Up to 1,000.00 USD 5.00 USD per account Applicable to all transfers up to 1,000.00 USD.
    2 1,001.00 to 5,000.00 USD 15.00 USD per account Applicable to transfers made by companies and private entities.
    3 More than 5,000.00 USD 25.00 USD per account Applicable to all Government Revenue Accounts.
    4 Government Revenue Transfers to CFET account (Ministry of Finance) Additional charges will apply based on joint agreement between Government and BNCTL.


    International Incoming Transfer:
    No AmountFee Notes
    1 1.00 to 1,000.00 USD2.00 USD From amount 1.00 USD - 1,000.00 USD.
    2 1,001.00 to 5,000.00 USD2.50 USD From amount 1,001.00 USD - 5,000.00 USD.
    3 5,001.00 to 10,000.00 USD3.50 USD From amount 5,001.00 USD - 10,000.00 USD.
    4 ≥10,000.01 USD5.00 USD Greater than 10,000.01 USD


    International Outgoing Transfer:
    No Amount Fee Notes
    1 1.00 to 1,000.00 USD 5.00 USD Applicable to amounts up to 1,000.00 USD.
    2 1,001.00 to 5,000.00 USD 10.00 USD Applicable to amounts between 1,001.00 and 5,000.00 USD.
    3 5,001.00 to 10,000.00 USD 15.00 USD Applicable to amounts between 5,001.00 and 10,000.00 USD.
    4 ≥10,000.01 USD 25.00 USD Applicable to amounts over 10,000.00 USD.


    International Transfer:
    No Description Fee Notes
    1 Transfer “BRI Fast” & Transfer “BCA Fire” USD 4.00 (for any amount) Maximum Transfer amount: BRI USD2,000.00 Non-BRI USD 1,500.00
    2 Correspondent fee USD 15.00 per transaction Except for BCP Millenium Portugal, BCA Indonesia, BNI New York, BCA Australia (AUD) and Bank of China as BNCTL Correspondent Bank
    3 Transfer Cancellation fee USD 5.00 per cancellation

  • Description

    Fee

    Additional Conditions
    LC Opening up to USD 500,000.00 0.16875%
    LC Opening > USD 500,000.00 0.09375%
    LC Cancellation 20.00 USD
    LC Advice 10.00 USD
    LC Amendment 25.00 USD
    SWIFT Message Loading 75.00 USD
    Document Transmission Fee as per client's request 5.00 USD
    Transfer between BNCTL accounts 0.00 USD per transaction (Free of charge) Excludes:
    Accounts with the same owner
    Future Savings Accounts
    Processing of salaries received according to the list No charge Applicable to all incoming transfers
    Standing Instruction 20.00 USD (Monthly fee for Permanent Instruction)
    Execution fee:
    100.00 USD (Internal Transfer)
    200.00 USD (External Transfer)
    100.00 USD (Cancellation)    		 Monthly fee is charged before the contract period.
    External transfer from SI 'International' will incur normal transfer fees based on the price list.
    Standing Order 0.00 USD per transaction (Free of charge)
    Processing of salaries received through Permanent Orders for cancellations 0.00 USD per transaction (Free of charge)

  • BID Security:

    Amount

    Fee
    Up to 4,999.00 USD 20.00 USD/Month
    5,000.00 – 49,999.00 USD 0.40%/Month
    50,000.00 – 99,999.00 USD 0.45%/Month
    100,000.00 – 499,999.00 USD 0.60%/Month
    500,000.00 – 999,999.00 USD 0.95%/Month
    ≥ 1,000,000.00 USD 1.75%/Month
    Urgent issues within 48 hours will incur an additional fee of 100.00 USD and 24 hours will incur an additional fee of 175.00 USD.
    15% for cash guarantee.
    Up to 50,000.00 USD (guarantee must be 100% for the guarantee box and apply only for Bid Bond).

    Other Types of Bank Guarantee:

    Amount

    Fee
    Up to 9,999.00 USD 15.00 USD/Month
    10,000.00 – 49,999.00 USD 0.15%/Month
    50,000.00 – 99,999.00 USD 0.13%/Month
    100,000.00 – 499,999.00 USD 0.11%/Month
    500,000.00 – 999,999.00 USD 0.09%/Month
    ≥ 1,000,000.00 USD 0.07%/Month
    Urgent issues within 48 hours will incur an additional fee of 100.00 USD and 24 hours will incur an additional fee of 175.00 USD.
    15% for cash guarantee.
    Up to USD 50,000.00 (guarantee must be 100% for the guarantee box and apply only for Bid Bond).

    Issuance of Reference Letters and Bank Support:

    Amount

    Fee
    No specific value 100.00 USD
    Mentioned specific amount 0.1% (Min. 250.00 USD & Max. 2,000.00 USD)
    Account Verification 50.00 USD
    Cancellation of BG (Bid Bond, Performance Bond, Advance Payment Bond, Support Letter & Reference Letter) 25.00 USD
    Urgent issues within 48 hours will incur an additional fee of 100.00 USD and 24 hours will incur an additional fee of 175.00 USD.
    Fee for one proposal.

    Others:

    Amount

    Fee

    Additional Conditions
    Declaration regarding financial capacity 0.1% (Min. 250.00 USD & Max. 1,500.00 USD)
    Early Release for Bank Guarantee 20.00 USD Early release before the due date as per the signed agreement.
    Change of Account Residence 50.00 USD Applicable for clients changing to another bank.
    Loan repayment early settlement 50.00 USD Applicable for clients repaying the loan early and changing to another bank.
    Verification of existing inaccuracies 5.00 USD Applicable based on request.
    Client Deposit Account Adjustment 50.00 USD Applicable based on request.
    Client Deposits on holidays or weekends ≤ 100,000.00 USD 50.00 USD

    		> 100,000.00 - 500,000. USD 85.00 USD

    		>  500,000 USD 125.00 USD

  • Capital Services:

    Credit Product

    Plafon

    Rate
    FIAR Credit
    		0.75%
    Agricultural Credit
    		0.75%
    Small Business Credit ≤10M 0.75%

    		>10M – 15M 0.50%

    		>15M – 20M 0.25%

    		>20M 0.15%
    Project Credit <10M 0.75%

    		>10M – 15M 0.50%

    		>15M – 20M 0.25%

    		>20M 0.15%


    Investment Credit:

    Credit Product

    Plafon

    Rate
    Investment Credit ≤10M 0.75%

    		>10M – 15M 0.50%

    		>15M – 20M 0.25%

    		>20M 0.15%
    Transportation Credit <10M 0.75%

    		>10M – 15M 0.50%

    		>15M – 20M 0.25%

    		>20M 0.15%


    Personal Credit:

    Credit Product

    Rate
    Multi Uzu Loan 0.50%
    Buka'e Loan 0.50%
    Asu'wai Loan 0.50%
    Emigrant Loan 0.50%
    Pensioner Loan 0.50%

  • Description

    Fee

    Additional Conditions
    Commitment Fee 0.25% P.A (Applicable to the unused amount of the product). Applicable only to Business Loan, Project Loan, and Credit Line/Prepared Loan products.

  • Description

    Fee

    Additional Conditions
    Urgent Processing Fee Request USD 100.00 Applicable only to consumer loan products, excluding employee loan products.
    Note: Fee can be implemented based on client proposal or notification by the Head Office, depending on the case category.

  • Application Application Early Mobilization Penalty
    Term Amount (USD)



    ≥1,000 - 99,000

    ≥100,000 - 499,999

    ≥500,000

    ≥1,000 - 99,999

    ≥100,000 - 499,999

    ≥500,000
    Month 1 0.55% 0.60% 0.65%


    Months 3 0.60% 0.65% 0.70%


    Months 6 0.65% 0.70% 0.75% USD 25,00 USD 50,00 USD 100,00
    Months 9 0.70% 0.75% 0.80%
    Months 12 1.05% 1.20% 1.30%
    Months 24 1.15% 1.25% 1.40%


    Months 36 1.30% 1.40% 1.60%


  • Account Type

    Fee
    Passbook Savings Account 2.50 USD
    Savings Account for Minors 2.00 USD
    Emigrant Savings Account 5.00 USD
    Current Account 10.00 USD
    Community Group Checking Account 5.00 USD
    Asu’wain Deposit 5.00 USD
    Mother’s Allowance Savings Account 2.00 USD
    Student Savings Account 2.00 USD
    Pension Saving Account 2.00 USD
    Retirement Savings Account: 2.00 USD, excluding future and government accounts (Acc.1002-xxx).
    Applicable to Asu’wain Deposit & Mother’s Allowance as new products.
    Applicable to existing deposit products.

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