TEB Stars

e-Banking Login

Individual Business

e-Banking Login

Individual Business


Pricelist

GENERAL FEES

COMMISSION TYPES COMMISSION COMMISSION
Accounts PRIVATE CLIENTS VALIDITY
Current Account Maintenance Fee € 0.75 Monthly
Savings Account Maintenance Fee € 0.75
Current Account Opening **** Free of charge For current account
Current Account Closure € 2.50
Savings Account Opening / Closure Free of charge
Time Deposit Account Opening / Closure Free of charge
Flexi Account Opening / Closure Free of charge
Withdrawal fee from Flexi account € 6.00 Fee applies if more than 5 withdrawals in a month
Fee for other massive payments € 1.00
COMMISSION TYPES COMMISSION
Accounts PRIVATE CLIENTS VALIDITY
Time Out Loan € 5.00 Per account
Deposit by third parties (non TEB Bank clients) € 1.00 Per transaction
Collector payment (non TEB Bank clients) € 3.00 Per transaction
Joint Account Opening (2 or more co-owners) Not applicable Per account
Confirmation for Credit Products Closure Confirmation € 25.00 Per transaction
Person's Authorization per account € 2.00 Per authorization
External Auditor Confirmation Not applicable
Account statement printing (cash and portfolio) € 2.50 Per statement
Money transfers
Interbank outgoing transfers € 1.75 Per transaction
Priority interbank outgoing transfers € 5.00 Per transaction
Interbank outgoing transfers via e-Banking € 0.75 Per transaction
Incoming transfers € 1.50 Per transaction
Overdraft Account Maintenance Commission NA Annual
Fee on unused overdraft amount NA End of each quarter
Overdraft early prepayment commission NA Annual
Massive execution of payments NA per list
Payment receipt *** € 1.50
International outgoing transfers * 0.30 % min.15€/max.1000 € Per transaction
International outgoing transfers via e-Banking NA Per transaction
International incoming transfers * 0.30 % min.15€/max.1000 € Per transaction
Transfer reclamation fee Depends from correspondent bank Per transaction
Within bank transfers € 1.00
Others
E-banking fee € 0.50 Monthly
E-banking PIN code resetting € 0.50 Per transaction
Reference Letter NA Per reference
Cheques conversion 1.50% min 30 € Per transaction
Annual maintenance for TEB SMS Top-Up € 1.00 Annual
Transaction fee for TEB SMS Top-Up € 0.15 Per transaction
Fee for TEB SMS notification / request € 0.20 Per transaction
Fee for Ipko Digital TV & Internet € 0.50 Per transaction
Cash Withdrawal in cash counters 1.5 € up to 1000 EUR ; 1€ from 1000 up to 10,000 EUR ; Above 10,000 0.01% of the amount Per transaction
GPRS POS Fee 5.30€ Monthly
Deposit fee for coins 5% In total amount if more than 50 coins
Visa Confirmation € 2.50
Account Statement sent by mail € 2.50
Change of Pledge registration € 20.00 Per transaction
Damaged Money For one (1) banknote price is 1 Euro and for more than 1 (one) banknote the price is 50 cent.
Request for a payment copy 1.5% (min 10€)
SMS Banking maintenance € 1.00
Mobile Banking maintenance ** NA
Card PIN Code resetting € 1.00

* Fees applied by Correspondent Banks on International outgoing transfers are not included in Price List
** If client has e-banking, M-banking monthly payment is €0
*** Salary receivers, whose employer does not have an agreement with TEB Bank are subject to a EUR1.5 fee on salary receipt.

CARDS COMMISIONS AND FEES FOR INDIVIDUAL

COMMISSION TYPES COMMISSION
PRIVATE CLIENTS
Credit cards StarCard VALIDITY
Administrative expenses for the main card limit Na Fee applied only once
Card annual maintenance fee 20.00 € Annual
Card annual maintenance fee - additional card 10.00 € Annual
Card issuance Free of charge Per card
Change of card (additional card) Card re-issuance 2.50 € Per card
Monthly fee for card statement Free of charge Free of charge
Fee on overdraft excess 2.00 € Per transaction
Warning fee (SMS/Letter) for delay on payment of credit products 2.50 € Prior to any change on KCR (Kosovo Credit Registry) categories
Annual interest rate for maximum payment 0% Annual
Annual interest rate for minimum payment 24% Annual
Penalty interest annual rate 48% Annual
Cash reversal expenses (only for unjustified complaints) 25.00 € Per complaint
Interest rate for cash withdrawal 24% Annual
Limit increase up to €500 3.00 €
Limit increase over €500 5.00 €
KOS Gyro and Collector payments in cash counters by card in a single transaction* Free of charge Per transaction
KOS Gyro and Collector payments in cash counters by card in three installments** 2% - min 2€ Per transaction
Credit card statement delivery via mail 2.50 € Per delivery
Online payment and international POS payment with 2 installment For purchases from €50 - €299.99 a commission of 2.5%, min. €3 applies Per transaction
Online payment and international POS payment with 3 installment For purchases over €300 a commission of 3%, min. €3 applies Per transaction
Cash withdrawals
Cash withdrawals in ATMs inside and outside bank premises 2.5% - min 3€ Per transaction
Cash withdrawals on other banks ATMs in Kosovo 2.5% - min 3€ Per transaction
Cash withdrawals on other banks ATMs outside Kosovo 2.5% - min 3€ Per transaction
Cash withdrawal fee for card holder of other countries
Cash withdrawal fee for card holder of other countries 5€ For withdrawal
Transactions via ATM
Debit Card
Internal bank transfers Free of charge Per transaction
Transfers to other domestic banks 1.50 € Per transaction
Credit Cards
Individual and business card debt payment Free of charge Per transaction
Card debt payment for other persons Free of charge Per transaction
STARCASH (cash withdrawal in installments)
Fee for cash withdrawal in installments 2.5% - min 3€ Per transaction
Interest rate for cash withdrawal in installments 24% Annual
Payments in POS Terminals
Payments in our bank POS Terminals Free of charge
Payments in other banks POS Terminals in Kosovo 1% Per transaction
Payments in other banks POS Terminals outside Kosovo Free of charge
Payments via Internet
Online purchases with Star Card Free of charge
Online purchases with Debit Card 1%
Fee for currency conversion for transactions that are not performed in EUR (ATM / POS) with Debit & Star Card 1%
Allowed limits
Max. daily limit for cash withdrawals in ATM 1,000 € Per transaction
Allowed limit for cash withdrawal 50%
Debit Card
Re-issuance of Debit Card 2.50 € Per card
Cash withdrawals in ATMs in bank premises Free of charge Per transaction
Cash withdrawals in ATMs outside bank premises Free of charge Per transaction
Cash withdrawal in other banks ATMs in Kosovo 2.0% - min 2€ Per transaction
Cash withdrawal in other banks ATMs outside Kosovo 2.0% - min 2€ Per transaction
Commission for non active POS Terminals
Payments in our bank POS Terminals 2.50 € Last 3 months < €150 turnover per POS Terminal/
Payments in other banks POS Terminals in Kosovo 1.00 € Per account
Payments in other banks POS Terminals in Kosovo 5.30 € Per GPRS-POS
* For institutional and utility payments with Starcard in a single transaction, only fees mentioned in KOS GYRO and Collector fees apply.
**For institutional and utility payments with Starcard in two or three installments, fees mentioned in KOS GYRO and Collector fees apply.
COMMISSION TYPE PRIVATE CLIENTS VALIDITY
Online payments with 3D Secure certified merchants
One-time password for Online purchases up to 4.99€ with credit card Free of charge Per transaction authorization
One-time password for Online purchases from 5.00 € and more with credit card 0.10€ Per transaction authorization
One-time password for Online purchases with Debit Card 0.10€ Per transaction authorization

COLLECTOR PAYMENTS VIA INDIVIDUAL E-BANKING

Commission types Commission
Kos Gyro and Collector payment fees PRIVATE CLIENTS VALIDITY
Insurance Company Kos Gyro payments via E-banking 0.50 € Per transaction
KEDS Kos Gyro payments via E-banking Free of charge Per transaction
TELEKOM Kos Gyro payments via E-banking Free of charge Per transaction
Prishtina RWC Kos Gyro payments via E-banking Free of charge Per transaction
Customs Kos Gyro payments via E-banking 0.50 € Per transaction
Collector payments - Terminali Shpk NA Per transaction
Collector payments - Tax declaration (Balance €0) 0.50 € Per transaction
PTK in TEB Free of charge Per transaction
Tax payments via E-banking NA Per transaction

KOS GYRO AND COLLECTOR PAYMENT FEES

COMMISSION
COMMISSION TYPES Private Clients VALIDITY
Kos Gyro and Collector payment fees
Collector payments (TEB Bank clients) 1.50 € Per transaction
Collector payments (non TEB Bank clients) 5.00 € Per transaction
Kos Gyro payments (TEB Bank clients) 1.50 € Per transaction
Kos Gyro payments (non TEB Bank clients) 5.00 € Per transaction
Kos Gyro water supply payments (TEB Bank clients) 1.50 € Per transaction
Kos Gyro water supply payments (non TEB Bank clients) 3.00 € Per transaction
Collector payments (University fee, TEB Bank clients) 1.50 € Per transaction
Collector payments (University fee, non TEB Bank clients) 3.00 € Per transaction
Insurance Company Kos Gyro payments (TEB Bank clients) 1.50 € Per transaction
Insurance Company Kos Gyro payments (non TEB Bank clients) 5.00 € Per transaction

DEPOSITS AND SAVINGS

EUR
Period Interest Rate Effective Interest Rate
1 month 0.00% Annual 0.00% Annual
3 month 0.20% Annual 0.20% Annual
6 months 0.30% Annual 0.35% Annual
9 months 0.50% Annual 0.55% Annual
12 months 0.80% Annual 0.85% Annual
13 months 0.90% Annual 0.95% Annual
15 months 1.00% Annual 1.10% Annual
18 months 1.10% Annual 1.20% Annual
24 months 1.20% Annual 1.35% Annual
36 months 1.30% Annual 1.45% Annual
48 months 1.40% Annual 1.60% Annual
60 months 1.50% Annual 1.70% Annual
*For Term Deposits agreements above 60 months maturity, visit one of TEB Branches.
** Interest rates are stipulated in p.a. The existing accounts (agreements) shall remain unaffected.
Fee for massive cash deposit Commission Validity
Massive cash deposit fee / Applicable to legal entities Clients whose monthly average of deposit transaction is over 300. 1.50€ Per transaction
The fee shall be affective on 14.01.2017
Flexi Account
Currency Interest Rate Effective Interest Rate
EUR 0.05% Annual 0.15% Annual
Saving Account
Currency Interest Rate Effective Interest Rate
EUR 0.04% Annual 0.10% Annual
USD 0.00% Annual 0.00% Annual
CHF 0.00% Annual 0.00% Annual
GBP 0.00% Annual 0.00% Annual
Time Deposit Accounts
Currency Period Interest Rate Effective Interest Rate
USD 1 - 12 Monthly 0.00% Annual 0.00% Annual
CHF 1 - 12 Monthly 0.00% Annual 0.00% Annual
GBP 1 - 12 Monthly 0.00% Annual 0.00% Annual

* For any time deposit agreement termination prior to maturity, penalty interest shall apply
* Please, visit our portfolio officers for a detailed calculation of any deposit request. The calculation method is provided by bank staff, on customer request. The bank calculates effective interest rate on loans and deposits based on the CBK regulation on ‘‘effective interest rates and requirements for disclosure’’ and it is disclosed in the contract between bank and customer

CORRESPONDENT BANK FEES

Payments ADDITIONAL FEES FOR CORRESPONDENT BANKS VALIDITY
EUR Payments up to €50,000 9.00 € Per transaction
EUR Payments over €50,000 12.50 € Per transaction
USD Payments (fixed fee for all the payments) 22.00 USD Per transaction
CHF Payments (fixed fee for all the payments) 12.00 CHF Per transaction
GBP Payments (fixed fee for all the payments) 25.00 GBP Per transaction
Payments to TEB Turkey (fixed fee) 2.00 EUR Per transaction
EUR Payments in Germany €0 - €2,500 3.50 € Per transaction
EUR Payments in Germany €2,500 - €10,000 7.00 € Per transaction
EUR Payments in Germany €10,000 - €25,000 10.00 € Per transaction
EUR Payments in Albania under SHA or BEN - fixed fee in any amount 7.00 € Per transaction
EUR Payments in Albania under OUR - fixed fee in any amount 15.00 € Per transaction

**For International incoming transfers under OUR option, if the transfer exceeds the amount covered by correspondent banks, then the difference is covered from client account

INDIVIDUAL LOANS

LOAN TYPE COMMISSION
Duration Annual Rate Monthly rate Effective Interest Rate Disbursement expenses
Consumer loans 0 - 36 months 10.80% 0.90% 12.49% 1.50%
37 - 84 months 11.90% 0.99% 13.90% 1.50%
Loan for house/apartment purchases for Budget salaries and Private Banking clients 0 - 180 months 5.88% 0.49% 6.20% 1%
Loan for house/apartment purchases for other salary receivers 0 - 180 months 6.60% 0.55% 6.97% 1%
Loan for house construction 0 - 120 months 6.60% 0.55% 7.04% 1%
Loan for house/apartment renovation 0 - 120 months 6.60% 0.55% 7.04% 1%
New Car Loans 0 - 36 months 9.96% 0.83% 11.55% 1.50%
37 - 84 months 10.80% 0.90% 11.88% 1.50%
Used Car Loans 0 - 36 months 9.96% 1.08% 11.55% 1.50%
37 - 84 months 10.80% 0.91% 12.01% 1.50%
Student Loans 0 - 60 months 7.90% 0.66% 8.89% 1.50%
Loans for professionals 0 - 84 months 16.00% 1.33% 17.77% 1.50%
Non-salary client Loans 0 - 84 months 24.00% 2.00% 27.51% 1.50%
Cash Covered Loans 0 - 84 months 3.00% 0.25% 3.19% 0.50%
Overdraft 0 - 120 months 18.00% 1.50% 19.99% 0.50%
Cash Covered Overdraft 0 - 120 months 10.80% 0.90% 11.61% 0.50%

* Please, visit our portfolio officers for a detailed calculation of any loan request. The calculation method is provided by bank staff, on customer request. The bank calculates effective interest rate on Loans and Deposits based on the CBK regulation on ‘‘effective interest rates and requirements for disclosure’’ and it is disclosed in the contract between bank and customer
For any delay in payment, penalty interest shall apply

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