Fees for business clients

Account maintenance and payment transactions (BYN accounts)

	Transaction (service)	Fee
1.1	Account opening: for business clients and individual entrepreneurs	no fee
1.1.1	SPECIAL OFFER: - Banking sample signatures and seal card certification at the opening of a current account for business customers and individual entrepreneurs:
	up to September 30, 2017	no fee
	the following months	2.50 BYN
1.1.2	Individual entrepreneur account maintenance (No fee is charged in the month without transactions, or only fee payments in favor of JSC "BSB Bank" were	5 BYN per month
1.2	Crediting of non-cash funds to the account of the Client	no fee
1.3	Fund transfer from the Client’s account:
1.3.1	Transfer of funds to correspondent accounts in favor of the Customers served in non-resident banks	3.50 BYN
1.3.2	Payment orders acceptance with insufficient funds on Customer’s account and their later execution in case of funds arrival to such account during transaction day	1.75 BYNf or 1 document
1.3.3	Related expenses for payments in case the jurisdiction of non-resident counterparties (except the banks) is not the same as jurisdiction of non-resident banks, in which the accounts of non-resident counterparties are open	20 USD, fee for payment is not included
1.4	Transfer of urgent payments via the BISS system	4 BYN
1.4	Urgent transfer related to the payment of government fees and taxes, requiring confirmation of the execution of payment instructions	no fee
1.5	Transfer in national currency outside the bank after 15:45	0,1% (min 2.50 BYN)
1.6	Cash acceptance and crediting to accounts of business clients or individual entrepreneurs opened with JSC "BSB Bank"	no fee
1.6.1	Cash acceptance and recounts in exchange offices, out-of-the-office cash counters for later crediting to accounts of business clients or individual entrepreneurs opened with JSC "BSB Bank" on the next transaction day	0,2% (min 2 BYN)
1.6.2	Cash acceptance and recounts in exchange offices, out-of-the-office cash counters for later crediting to accounts of business clients or individual entrepreneurs opened with other banks on the next transaction day	0.8% (min 4 BYN)
1.7	Cash withdrawal from the Customer's account
	- wages, bonuses, alimony, scholarships, financial aid, vacation and other benefits included in the payroll, pensions and allowances;	1%
	- entrepreneurs income and other individual entrepreneurs payments Σ
	for the amount up to and including BYN 10 000 per month	1%
	for the amount of more than BYN 10 000 up to and including BYN 20 000 per month	1,5%
	for the amount of more than BYN 20 000 per month	2%
	- dividends, travel and administrative expenses, insurance payments	1,5%
	- loans, repayment of loans and other payments	2%
Σ while calculating Bank fee amounts of individual entrepreneurs transactions marked Σ summed up per month
1.8	Interest on current account balance at the end of the month
	for business clients:
	if average daily balance is less than 5.000 BYN	0,5% per year¹
	if average daily balance is equal to 5.000 BYN or higher	1% per year¹
	for individual entrepreneurs:
	if average daily balance is less than 5.000 BYN	0,5 % per year¹
	if average daily balance is equal to 5.000 BYN or higher	1 % per year¹
	¹ - (in case of suspension of account transactions or arrest of funds - max 0.01 BYN per day)
1.9	Issue
	check book	8 BYN
	check book, urgent (same day)	10 BYN
	specimen signature card	no fee
	duplicate of statement, payment document	1.50 BYN
	certification of seal impression	no fee
1.10	Searching for amounts of funds (due to the fault of the Customer)	2.45 BYN
1.11	Account closing
	for business clients once for all accounts	29 BYN
	for business clients for closing one of the current accounts	17.5 BYN
	for individual entrepreneur	25 BYN
	in case of bankruptcy or liquidation of a legal entity (closure of business of an individual entrepreneur)	no fee
	in case of rep-office closure	no fee
1.12	Account transfer in JSC “BSB Bank” system	no fee
1.13	Temporary account closure in case of opening current account with JSC “BSB Bank”	no fee
1.14	Temporary account closure in case of opening current account with another bank	17.5 BYN
1.15	Cash acceptance without opening an account with further transfer
	to the account in another bank (BYN)	1% (for acceptance and recounting)
	for the purpose of payment of taxes, fees and other obligatory payments to budget and budget funds	no fee
	to the other clients’ accounts in JSC "BSB Bank", in particular to contribute the authorized fund	0,5% (for acceptance and recounting)
1.16	Issue of a payment order electronic copy transmitted via SWIFT system on Client’s request (procurement of these payment orders is carried out by specialized requests via Client-Bank system)
	Issuance of the order for each particular payment (Request number 174 – receipt of SWIFT message for each particular payment only)	3 EUR (or equivalent in BYN at the rate of the National Bank of the Republic ofBelarus) (for each message)
	Service fee for issue of payment orders within a month (Request number 600 – receipt of main documents and issue of SWIFT payment orders)	8 EUR (or equivalent in BYN at the rate of the National Bank of the Republic of Belarus) (monthly)
1.17	File maintenance to the off-balance account No. 99814 "Payment documents not paid when due"	1.20 BYN for 1 document
1.18	Recall of payment instructions from the records	1.20 BYN for 1 document
1.19	Suspension of service for individual entrepreneur current account for six month	3.50 BYN n case of the transaction on account, receipt of funds on account or requests (queries) of state bodies in the above-mentioned period, the bank will resume the collection of fees for services (maintenance) for the current account)
1.20	Setting the payment documents bar-coding system	no fee
1.21	Effecting payments according to accepted documents
	- via «Bank-iT/client» and «Bank-iT/iBank»	no fee
	- on paper without bar-code	3 BYN
	- on paper with bar-code	1.50 BYN
1.22	Transfer of individual entrepreneur business income and other payments to (in favor of) the private customer's account opened in other bank	1%
1.23	Use of funds received on the Client’s current account during banking day	0,1%
1.23	Excluding amounts transferred from cash account, deposit account, credit debt account (including those related to factoring transactions), open with JSC “BSB Bank”, from the payment of bills of JSC “BSB Bank”, from the sale of foreign currency. Fee shall not be not charged form tax payments, fees to the republican and local budgets, from the mandatory payments to the SPF, from payments transferred for the repayment of any debts against JSC “BSB Bank” (including those related to factoring transactions, credits, etc. and purchase / sale of foreign currencies), payments transferred to the income of JSC “BSB Bank”, to purchase of foreign currency from the Bank or exchange, to cash funds withdrawal, for crediting to deposit account open with JSC “BSB Bank”)
1.24	Administration of each permanent standing payment order (in case there are transfers under this payment order)	0,1% (min 1.50 BYN)

Account maintenance and payment transactions (foreign currency accounts)

Transaction (service)

Fee

2.1

Account opening: for legal entities and individual entrepreneurs

no fee

2.1.1

Temporary account closure in case of opening account with another bank

10.50 BYN

2.2

Crediting of non-cash funds to the account of the Customer

no fee

2.3

Dealing at the forex trading on the Belarusian Currency and Stock Exchange by Client’s order (except compulsory sale)

Sale

0,3%(min 10 basic units)

Purchase with crediting on the trading day

0,5% (min 10 basic units)

Purchase with crediting on the second banking day after the trading day

0,3% (min 10 basic units)

2.3.1

Foreign currency compulsory sale on the Belarusian Currency and Stock Exchange by Client’s order

0,2%

2.3.2

Debiting funds from the current account of the Customer in case of debt collection under enforcement documents of the court with purchase of foreign currency by the bank

5% of the amount of transfer (amount of document) in foreign currency, shall be charged in the currency of transfer

2.3.3

Debiting funds from the current account of the Customer in case of debt collection under enforcement documents of the court with sale

at the exchange rate of the National Bank of the Republic of Belarus as of the date of transfer

2.3.4

Debiting funds from the current account of the Customer in case of debt collection under enforcement documents of the court with conversion

5% of the amount of transfer (amount of document) in foreign currency, shall be charged in the currency of transfer

2.3.5

Crediting equivalent in BYR in favor of the Belarusian Currency and Stock Exchange for purchase of foreign currency according to the application of the Customer at the expense of the Bank with further reimbursement by the Customer or withdrawal of the application prior to its execution

1% of the used bank funds amount for each day

2.4

Foreign currency transactions on the off-the-board currency market

Sale

as agreed by the parties

Purchase

as agreed by the parties

2.5

Conversion of foreign currency in the Customer's account

as agreed by the parties

2.6

Schedule of carrying-out payment transactions of legal entities in foreign currency (Minsk time)

Currency	Time of delivery of payment instruction to the bank¹	Value date²
USD	Till 16:00	The same banking day
EUR	Till 15:30	The same banking day
RUB	Till 15:20	The same banking day
PLN	Till 14:00	The same banking day
Other currencies	Till 13:00	The same banking day

Schedule of carrying-out payment transactions of legal entities within the territory of the Republic of Belarus in foreign currency (Minsk time)

Currency	Time of delivery of payment instruction to the bank¹	Value date²
USD	Till 14:30	The same banking day
EUR	Till 14:30	The same banking day

¹ in case of expiration of the time for payment the Bank makes payment (valuation) on the following banking day;

² value date - the date from which the debited amount of funds is not in possession of the account holder (Resolution of the Board of the National Bank of Belarus № 66 of March 29, 2001)

2.6.1

Schedule of extended Express-payments of legal entities in foreign currency (Minsk time)

Currency	Time of delivery of payment instruction to the bank¹	Value date²
USD	From 16:00 Tо 17:20	The same banking day
EUR	From 15:30 Tо 16:20	The same banking day

¹ in case of expiration of the time for payment the Bank makes payment (valuation) on the following banking day;
² value date - the date from which the debited amount of money is not in possession of the account holder (Resolution
of the Board of the National Bank of Belarus № 66 of March 29, 2001)

2.6.2

Related expenses for payments in case the jurisdiction of non-resident counterparties (except the banks) is not the same as jurisdiction of non-resident banks, in which the accounts of non-resident counterparties are open

20 USD
fee for payment is not included

2.7

Funds transfer outside the bank:

in USD:

at the Beneficiary’s cost

no fee

expenses of the sending bank – at the Payer’s, expenses of other banks - at the Beneficiary’s cost

0,1% (min 30 USD – max 150 USD)

at the Payer’s cost

0,15% (min 35 USD – max 150 USD)

in EUR:

at the Beneficiary’s cost

no fee

expenses of the sending bank – at the Payer’s , expenses of other banks - at the Beneficiary’s cost

0,1% (min 25 EUR – max 150 EUR)

at the Payer’s cost

0,15% (min 35 EUR - max 150 EUR)

Other hard currencies

0,1% (min 15 EUR - max 50 EUR)

Currencies with restricted convertibility except for RUB

0,1% (min 15 USD – max 75 USD)

in RUB

0,1% (min 15 USD – max 40 USD)

2.7.1

Additional fee for Express-payments¹

100 USD + cost of the payment

¹ Express payment - a payment which should be made in accordance with the schedule of payment transactions set forth in paragraph 2.6.1

2.7.2

Transfer of funds of the bank’s Customer to the beneficiaries (excluding banks) – Customers of the banks of the Republic of Belarus

in USD

17 USD

in EUR

17 EUR

2.7.3

Transfer of funds of the bank’s Customer in foreign currency within the territory of the Republic of Belarus to the beneficiaries for charitable purposes with the mandatory provision of the documents confirming this fact

in USD

no fee

in EUR

no fee

2.8

Payment orders acceptance with insufficient funds on Customer’s account and their later execution in case of funds arrival to such account during transaction day

1.75 BYN for 1 document

2.9

Acceptance, recounting and crediting foreign currency cash to the client’s bank account

0,5% of the amount

2.10

Foreign currency disbursement from client’s account

in USD, EUR, RUB

up to 0,5% of the amount

in other currencies

2% of the amount

2.11

Issue

specimen signature card

no fee

duplicate statement, payment document

1 BYN

2.12

Tracing funds among incoming payments sent to the Client¹

100 USD

¹ All fees may be charged in currency in which transactions are carried out, unless otherwise agreed, or in hard currency and RUB at the cross rate of the National Bank of the Republic of Belarus on the day of charging a fee, or in BYR at the rate of National Bank of Belarus on the day of charging a fee.

The amount of fee shall be rounded off to the nearest whole number.

2.13

Investigation, amending outgoing payments

75 USD

2.14

Account closing

for business clients once for all accounts

29 BYN

for business clients for closing one of the current accounts

17.5 BYN

for individual entrepreneur

no fee

in case of bankruptcy and liquidation

no fee

in case of rep-office closure

no fee

2.15

Interest on current account balance at the end of the month

0,1% per year

2.16

Setting the payment documents bar-coding system

no fee

2.17

Payment orders execution for transfers from Client’s account:

- via «Bank-iT/client» system

no fee

- in paper without bar-code

3 BYN

- in paper with bar-code

1.50 BYN

Digital Banking (Bank-iT services)

	Transaction (service)	Fee
3.1	«Bank-iT/client» or «Bank-iT/ibank»³
	software installation	Free
	monthly subscription fee for the «Bank-iT/client» system¹ for compamies and institutions
	from 0 to 5 payments per month²	10 USD per month
	from 6 to 10 payments per month²	15 USD per month⁴
	from 11 to 15 payments per month²	20 USD per month⁴
	from 16 payments per month²	25 USD per month⁴
	monthly subscription fee for the «Bank-iT/client» system¹ for entrepreneurs
	from 0 to 5 payments per month²	5 USD per month⁴
	from 6 to 10 payments per month²	10 USD per month⁴
	from 11 to 15 payments per month²	15 USD per month⁴
	from 16 payments per month²	20 USD per month⁴
	activation after blocking for non-payment of the fee to the bank (after repayment of debt)	10 USD⁴
	reinstallation of the «Bank-iT/client» system at the request of the Client	25 USD⁴
	suspension of the agreement for up to six months	15 USD⁴
	conclusion of a new agreement with the Client, after the similar previous agreement was canceled	25 USD⁴
3.2	«Bank-iT/informer» – information on the movement of bills through the internet in view mode	15 USD⁴ in the half. Charged twice a year at the end of June and December. Upon termination of the contract will be charged 15 USD⁴
3.3	«Bank-iT/info» – information about account activities and exchange rates to E-mail and (or) mobile phone (SMS)	15 USD⁴ per year. The fee shall be charged once a year at the end of December. In case of termination of the agreement will be charged 15 USD⁴
3.4	«Bank-iT/mobile»⁵- information on the accounts movements and balancs in mobile application	Free
	¹The subscription fee shall be charged at the 15-th day of the current month for the next month. In case of non-payment of subscription fee until the 1-st day of the month, acces to the service wil be suspended. ²The number of payments made in the previous month will count for charging. ³Remote execution of payments and exchange of documents with software installation or through internet banking system ⁴At the rate of National Bank of the Republic of Belarus ⁵Provided with the ibank or ibank-informer services

Merchant acquiring

4.1	POS connection	30 BYN
4.2	Express POS connection	150 BYN
4.3	Change of POS requisites	30 BYN
4.4	Payments execution by Visa / MasterCard / Belcard cards (charged on the outlet or entrepreneur):
	Cards issued by BSB Bank	1%
	Cards issued by resident banks	1.5%
	Cards issued by non-resident banks	2%

Additional services

	Transaction (service)	Fee
5.1	Consideration of an application for credit, leasing, factoring transaction, bill debt, sale of promissory notes with deferred payment, issuance of bank guarantee (warranty)	no fee
5.2	Issue of certificates on the Client's activities by request	4 BYN (8 BYN – same day) for each copy
5.2.1	Issue of information upon Client’s motion according to the audit company query, necessary for audit	20 BYN
5.3	Providing information on exchange rates upon Client’s request	no fee
5.4	Open regular storage of valuables of the Customer in the bank vault
	storage of valuables that can not be evaluated	as agreed by the parties
	storage of valuables that can be evaluated	as agreed by the parties
5.5	Acceptance and processing of payment requests (registry of payment requests) and cheques payable in account (order-registry checks)	1.50 BYN for one document
5.6	Assistance in preparing cash settlement documents	4 BYN inc. VAT for one document
5.7	Transferring documents and account statements by fax within the Republic of Belarus	1.20 BYN for one document
5.8	Transfer of funds entering the closed account of the Customer to other credit institutions	1% of the amount but no more than 20 Basic Units
5.9	Crediting funds from the suspense account to the Customers’ accounts	0,1% of the amount but no more than 2 Basic Units
5.10	Issuance of a permit for opening sub-account in another bank	5.25 BYN
5.11	Providing copies of archival documents executed more than 30 days ago upon Client’s request	5 BYN for one document
5.12	Cash delivery to the Client	as agreed by the parties – 0.40 BYN for 1 km (min 6 BYN)
5.13	Reimbursement of cost of a plastic security card lost by the Customer with issuance of a new one, as well as issuance of an additional card	15 USD
5.14	Sending documents through the post offices within the Republic of Belarus (upon written request of the Customer)	by Ministry of Communications fee
5.15	Acceptance of unsorted BYN cash in the form of banknotes	0,1%
5.16	Acceptance of unsorted BYN cash in the form of coins	0.5%
5.17	Assistance in drawing up foreign currency payment documents, for document	5 BYN inc. VAT
5.18	Statement of account for individual entrepreneurs:
	- subscription fee for daily statements	0.40 BYN
	- once every two weeks	no fee
5.19	Extended statement of account on paper issue	1.50 BYN
5.20	Providing premises (rooms) to Customers for counting, sorting cash, etc.	6 BYN inc. VAT per 1 hour
5.21	Statement of account issue, for the period	2.50 BYN
5.22	Extended statement of account issue, for the period	3 BYN
5.23	Acceptance and verification of application for reservation of funds for payments of urgent needs	2 BYN
To the Bank’s Client Attorneys apply Fees provided for individual entrepreneurs; To the Bank’s Client Attorney bureaus apply Fees provided for legal entities.

Payroll card program

		1st	2nd	3d
6.1	Crediting to bank cards of wages, bonuses, alimony, scholarships, material assistance, vacation and other payments included in the wage fund, also pensions and allowances	0.5%	0.75%	1%
6.2	Withdrawal of cash in ATMs of the SBS network	2% (Free at BSB Bank ATM's)	Free	Free
6.3	Withdrawal of cash in other ATMs	2.5%	2%	1.9%
6.4	Payment card type for the period of salary service	Visa Electron	Visa Electron	Visa Electron or Classic
6.5	Assistant for transfer of funds	Free
6.6	Transition to another service package	30 BYN
Additionally:
6.7	Funds transfer by payment order on paper	Only electronic	0.25%	0.25%
6.8	Delivery of payment cards to the office or to the employees residence place	Free
6.9	Joining the salary service without a visit to the bank	Free
6.10	Re-mapping of cards without a visit to the bank	Free
6.11	Mobile and Internet Banking	Free
6.12	PUSH, email notification	Free

Letter of Credit

	Transaction (service)	Fee
	Export Letters of credit/ internal Letters of credit ¹
7.1	Letter of Credit preliminary advising	30 USD
7.2	Letter of Credit terms advising without confirmation	0,1% (min 50 USD - max 500 USD)
7.3	Letter of Credit terms advising with confirmation	0,15% (min 50 USD - max 500 USD)
7.4	Confirmation of Letters of Credit opened by other banks; prolongation of validity term or increase in the amount of the confirmed Letter of Credit:
7.4	paid Letter of Credit	0,15% (min 50 USD)
7.5	Change of Letter of Credit terms
	change in the amount	0,15 % (min 40 USD - max 100 USD) (of the amount of change)
	prolongation	0,15% (min 40 USD - max 100 USD)
	annulment	30 USD
	other changes	30 USD
7.6	Documents receipt, verification and sending	0,1% (min 50 USD - max 300 USD)
7.7	Transfer of Letter of credit to another beneficiary	30 USD
7.8	Request to a foreign bank for acceptance of documents with discrepancies	25 USD
7.9	Cost of telecommunication services	7 EUR (for transactions in EUR) 8 USD (for transactions in USD and other currencies)
Import Letters of Credit
7.10	Letter of Credit opening
	paid Letter of Credit	0,15% (min 40 USD - max 500 USD)
	not paid Letter of Credit	as agreed by the parties
7.11	Change of Letter of Credit conditions
	change in the amount of Letter of Credit	0,15% (min 40 USD - max 300 USD) (of the amount of change)
	prolongation	0,15% (min 40 USD - max 300 USD)
	annulment before the expiration of the term of Letter of Credit	30 USD
	other changes	30 USD (for each application)
7.12	Receipt, verification of documents
	- if JSC “BSB Bank” is a nominated bank or if the documents under the Letter of Credit were received from the nomonated bank without the results of their verification, or indicating that the documents have discrepancies, but such discrepancies are not listed	0,2% (min 40 USD - max 300 USD)
	- if JSC “BSB Bank” is not a nominated bank	0,15% (min 40 USD - max 300 USD)
7.13	Arrangement of confirmation of Letter of Credit	0,1% of the amount (min 100 EUR)
7.14	Processing of documents with discrepancies	40 USD
7.15	Cost of telecommunication services	7 EUR (for transactions in EUR) 8 USD (for transactions in USD and other currencies)
7.16	Translation of the text of Letter of Credit from/to English language	USD 40
7.17	Execution of documents for opening Letter of Credit	25 USD
7.18	Reimbursement transactions	30 USD
7.19	Letter of Credit drafting (swift project - MT700 messages) at the request of the Customer	no fee
* All fees may be charged in currency in which transactions are carried out, unless otherwise agreed, or in hard currency and Russian rubles at the cross rate of the National Bank of the Republic of Belarus on the day of charging a fee, or in Belarusian rubles at the rate of the National Bank of the Republic of Belarus on the day of charging a fee. The amount of fee shall be rounded to the nearest whole number.
¹ if the confirming bank is the third bank

40 USD

Loans

	Transaction (service)	Fee
8.1	Consideration of the documents necessary for taking decision on granting loan - shall be paid simultaneously with submission of a complete set of documents for loan	subject to the agreement (min 100 USD) – at the rate of the National Bank of the Republic of Belarus in BYN
8.2	Interest rate for loans:
8.2.1	In BYN	Not more than rates on standing facilities operations of the National Bank in the form of a loan overnight, current at the time of (changing) credit contract, multiplied by a coefficient of 1.2
8.2.2	In USD and EUR	Based on the period for which the credit is extended, but not less than the LIBOR rate at the date of the loan agreement + 8%

Guarantees

	Transaction (service)	Fee
9.1	Guarantee issue
	for guarantee in BYN	7% per year
	for guarantee in foreign currency	5% per year
	for guarantees of payment of goods supplied from abroad, secured by compulsory saving	from 0,5% of the amount of guarantee (min 300 USD at the rate of the National Bank of the Republic of Belarus in BYN)
	interest rate for compulsory saving	as agreed by the parties
9.2	Change of conditions of guarantee issued by the bank
	in favor of non-residents
	for residents	as agreed by the parties
	for non-residents	as agreed by the parties
	in favor of residents	as agreed by the parties
9.2.1	Changes to the agreement for the provision of warranty concluded in favor of the Belarusian Association of International Automobile Carriers, as well as to pledge agreements securing fulfillment of the obligations under the warranties provided in favor of the Belarusian Association of International Automobile Carriers
	for changes to the agreement for the provision of warranty	0,5% of the amount of main obligation (at the rate of the National Bank of the Republic of Belarus in BYN)
	for changes to the pledge agreement	0,5 % of the total amount of pledge (at the rate of the National Bank of the Republic of Belarus in BYN)
9.3	Payment under the guarantee issued by the bank upon beneficiary request	as agreed by the parties
9.4	Confirmation of authenticity of guaranty issued by foreign bank in favor of the Customer of JSC “BSB Bank”	as agreed by the parties
9.5	Advising / change of conditions of guaranty issued by foreign bank in favor of the Customer of JSC “BSB Bank”	as agreed by the parties
9.6	Beneficiary’s requirement of payment under the guaranty issued by foreign bank in favor of the Customer of JSC “BSB Bank”	as agreed by the parties
9.7	Drawing up letter of guarantee	as agreed by the parties
	for sending by telex / SWIFT	as agreed by the parties
	for sending by post / courier	as agreed by the parties
9.8	Aval of commodity bill (guarantee of payment)	as agreed by the parties
9.9	Consideration of the documents necessary for taking decision on issuance of guarantee (warranty) - shall be paid simultaneously with submission of a complete set of documents for loan (except for guarantees of payment of goods supplied from abroad, secured by compulsory saving)	100 USD (at the rate of the National Bank of the Republic of Belarus in BYN)
9.9	for guarantees of payment of goods supplied from abroad, secured by compulsory saving	no fee
9.10	Urgent consideration of the documents necessary for taking decision on issuance of guarantee – shall be paid after taking the positive decision of the Board. Only complete set of documents can be considered urgently. The term for consideration includes the day of submission of full set of documents and the day of taking decision by the Board. The term shall be calculated in business days.
	5 days	300 USD (at the rate of the National Bank of the Republic of Belarus in BYN)
	4 days	400 USD (at the rate of the National Bank of the Republic of Belarus in BYN)
	3 days	500 USD (at the rate of the National Bank of the Republic of Belarus in BYN)
	2 days	600 USD (at the rate of the National Bank of the Republic of Belarus in BYN)
	1 days	700 USD (at the rate of the National Bank of the Republic of Belarus in BYN or according to the decision of the Board)
	* If in the process of providing this service the bank pays the commissions of foreign banks or incurs other expenses in foreign currency or BYN, then this amount shall be reimbursed by the Client or correspondent bank in full in foreign currency or in BYN, respectively.

Factoring

	Transaction (service)	Fee
10.1	Drawing up documents for conclusion of factoring agreement (may be included into discount)	subject to the agreement
10.2	Use of funds under factoring agreement (included into discount)	subject to the agreement

Securities

	Transaction (service)	Fee
11.1	Performance of transactions on purchase and sale of government securities, securities of the National Bank of the Republic of Belarus, shares and bonds of legal entities (including banks) on JSC “BCSE” under the instruction and for account
11.1.1	of the Customer – legal entity, which has entered into a commission agreement with the bank / / for the transactions within one trading day	0,02% of the amount (min 20 BYN) + exchange fee (the amount of fee is determined by JSC “BCSE”)
11.1.2	of the Customer – physical person, which has entered into a commission agreement with the bank / / for the transactions within one trading day	0,2% of the amount (min 30 BYN) + exchange fee (the amount of fee is determined by JSC “BCSE”)
11.2	Performance of transactions (termination of previous transactions) outside JSC “BCSE” under the instruction and for account of the Customer, which has entered into a contract of delegation with the bank / / for one transaction	0,1% of the amount (min 30 BYN)
11.3	Registration of transactions with securities in the accounting register of the professional securities market participant (shall by paid by one of the parties to the transaction) / / for one contract	20 BYN
11.4	Arrangement of issue of bonds of legal entities / / for one issue	0,3% of issuing volumes (min 300 BYN – max 3.000 BYN)
11.5	Certification of the securities issue prospectus (changes to the prospectus) / / for one issue prospectus	100 BYN
11.6	Submission (amendment, cancellation) of an indicative application to the Belarusian automated quotation system of JSC “BCSE” / / for one application	8 BYN
11.7	Ensuring payment of professional securities market participant // per trading day	5 BYN

Documentary collection

	Transaction (service)	Fee
12.1	Acceptance of documents for collection (in case of export settlements)	0,15% (min 30 USD – max 200 USD)
12.2	Change of collection conditions / Recall (cancellation) of collection	30 USD
12.3	Payment of courier services	in the amount of actual expenses
12.4	Customer notification of collection order receipt (in case JSC "BSB Bank" is the collecting bank)	50 USD
12.5	Payment on a collection basis (in case JSC "BSB Bank" is the collecting bank)	0,15% (min 30 USD– max 200 USD)
12.6	Cost of telecommunication services	7 EUR (on transactions in EUR) 8 USD (on transactions in USD and other currencies)
	*All fees may be charged in currency in which transactions are carried out, unless otherwise agreed, or in hard currency and RUB at the cross rate of the National Bank of the Republic of Belarus on the day of charging a fee, or in BYN at the rate of the National Bank of the Republic of Belarus on the day of charging a fee.
	The amount of fee shall be rounded to the nearest whole number.

Corporate payment cards

№	Name	Corporate payment cards VISA
		Electron EMV			Classic EMV
		BYN	USD	EUR	BYN	USD	EUR
13.1	Issue and annual service of plastic card (Main or additional card)	10 BYN	10 USD	10 EUR	30 BYN	25 USD	20EUR
13.2	Express issue of plastic card (additional fee)	15 BYN	10 USD	10 EUR	15 BYN	10 USD	10 EUR
13.3	Plastic card annual service for 2nd and each next year (Main or additional card)	10 BYN	10 USD	10 EUR	30 BYN	25 USD	20 EUR
13.4	Re-issue of card (in case of expiration, change of personal data, damage or loss of the card or PIN-code, etc.)	5 BYN	5 USD	4 EUR	15 BYN	10 USD	8 EUR
Additional service:
13.5	Interest on corporate account balance at the end of the month
	the average daily balances less than 5.000 BYN / 50.000 USD/ 50.000 EUR	0,5%	0,1%	0,1%	0,5%	0,1%	0,1%
	the average daily balances equal to 5.000 BYN / 50.000 USD/ 50.000 EUR or more	1%	0,1%	0,1%	1%	0,1%	0,1%
13.6	Notifications on plastic card
	SMS-notification for foreign activities	no fee
	SMS-notification (on a monthly basis, starting from the 4th month)	0.5 USD¹	0.5 USD	0.5 EUR	0.5 USD¹	0.5 USD	0.5 EUR
	E-mail notification (monthly)	no fee
	Push notification	no fee
13.7	Non-cash payments	no fee
13.8	Cash withdrawal
	Belarusian rubles and foreign currency in units of JSC "Bank BSB" and ATMs of partner banks	0,5%
	Belarusian rubles and foreign currency in other banks and ATMs of other banks (except partner banks)	2% (min 2 BYN) 2.5% (min 4 USD) 2.5% (min 3 EUR)
13.9	Card balance inquiry
	in ATMs and terminals in JSC "BSB Bank" and at partner banks ATMs for each balance preview	0.1 BYN / 0.16 USD / 0.1 EUR
	inquiry in ATMs and terminals of other banks, for each balance preview	0.7 BYN / 0.6 USD / 0.5 EUR
13.10	Monthly account statement (One-time for a period of 30 days, sending by e-mail)	no fee
13.11	Mini statement in ATMs and terminals of JSC "BSB Bank" and partner banks	0.5 BYN / 0.3 USD / 0.3 EUR
13.12	Statement / re-statement	4.5 BYN / 3 USD / 3 EUR
13.13	Statement of account on company letterhead	5 BYN / 3 USD / 3 EUR
13.14	PIN change at ATM	no fee
13.15	Card delivery by courier	no fee
13.16	Sending statements or certificates on e-mail or by mail	no fee
13.17	Statements or certificates delivery by courier (cost with VAT at 20%)	4.50 BYN
13.18	Mobile Banking for iPhone / Android	no fee
13.19	Internet bank	no fee
13.20	Fee for unjustified protest of card transaction, per operation
	end of the protest at the Retrieval Request / Fulfillment stage	37 BYN
	end of the protest at the Chargeback / Representment stage	47 BYN
	end of the protest at the other stages	47 BYN + 10% of the amount of the contested transaction
13.21	Individual card design (cost with VAT at 20%)	15 BYN			X
13.22	For crediting funds to the account
	travel and business expenses, insurance payments	0%	0.9%	0.9%	0%	0.9%	0.9%
	insurance claims (in the framework of voluntary insurance of bank payment cards), payments on contracts of purchase and sale of securities (including coupon)	no fee
13.23	Cash withdrawal at cash department from plastic cards issued with other banks:
	BYN	1%
	Foreign currency	1%
13.24	Cash withdrawal at ATMs from plastic cards issued with other banks	no fee
13.25	Transfer of funds between cards of BSB Bank in Mobile and Internet Banking applications	no fee
* Will be charged at the rate of National Bank of the Republic of Belarus on the charge day
** Partner banks: "Bank BelVEB", "Technobank", "Alfa-Bank", "Bank Moscow-Minsk", "RRB Bank", "Idea Bank", "Absolutbank", "Evrotorginvestbank"

Safety deposit box rental

	Transaction (service)	Fee
13.1	Size of safety deposit box (Height x Width x Depth)	Cost of service per day for rent for a period of up to one month (including 20% VAT) (BYN)	Cost of service per month for rent for a period of several months (including 20% VAT) (BYN)
	72 х 260 х 390	0.45	11.5
	146 х 260 х 390	0.48	12.5
	220 х 260 х 390	0.55	15
	294 х 260 х 390	0.61	17
	516 х 260 х 390	1.00	20
13.2	Use of safety depositary box in excess of the established time limit within one month without prior notification of the bank	1,5 times of the cost of safety deposit box per day	1,5 times of the cost of safety deposit box per day
13.3	Production of duplicate safety depositary box key	50 USD
13.4	Key deposit	no fee
Notice: All fees may be charged in currency in which transactions are carried out, unless otherwise agreed, or in hard currency and Russian rubles at the cross rate of the National Bank of the Republic of Belarus on the day of charging a fee, or in Belarusian rubles at the rate of the National Bank of the Republic of Belarus on the day of charging a fee.
The amount of fee shall be rounded to the nearest whole number.

II. Correspondent relationship

**1. Correspondent relationship and maintaining correspondent accounts**
	Transaction (service)	Fee
1.1	Opening correspondent accounts in national and foreign currencies	no fee
1.2	Interbank transfers in foreign currency (MT 2XX)
1.2.1	Transfers to the own accounts of the paying bank	1 USD
1.2.2	Transfers in favor of the third party banks	5 USD
1.3	Transfers under the instructions of correspondent banks’ customers (except for transfers for the benefit of JSC “BSB Bank” customers)
	- in USD	20 USD
	- in EUR	20 EUR
	- in other hard currency	0,1% of the amount (min 20 USD – max 50 USD)
	- in currency with restricted convertibility	10 USD
	- in local currency in case of delivery of payment order until 15.00	no fee
	- in local currency in case of delivery of payment order from 15.00 till 16.00	0,5 basic unit
	- in local currency in case of delivery of payment order from 16.00 till 16.30	1 basic unit
1.4	Internal bank transfers	no fee
1.5	Change in payment order	15 USD
1.6	Recall of payment order	40 USD
1.7	Technical overdraft of the correspondent account	20 USD + 0,5% of refinancing rate
1.8	Submission of original statements and credit memos	no fee
1.9	Submission of credit memos on the day of crediting the amounts (before 16:30) at the request of the correspondent	no fee
1.10	Submission of the intermediate statements at the request of the correspondent	5 USD
1.11	Accrual of interest on the accounts of correspondent banks	as agreed by the parties
1.12	Submission of the information to the audit firm	50 USD
1.13	Execution of requests of correspondent banks for information on the correspondent account transactions	no fee
1.14	Correspondent account closing	no fee
Notice: All fees may be charged in currency in which transactions are carried out, unless otherwise agreed, or in hard currency and RUB at the cross rate of the National Bank of the Republic of Belarus on the day of charging a fee, or in BYN at the rate of the National Bank of the Republic of Belarus on the day of charging a fee.
The amount of fee shall be rounded to the nearest whole number.

USD

III. Transactions with unallocated metal accounts

	Transactions with unallocated metal accounts	Fee
1	Account opening	no fee
2	Account maintenance	1.75 BYN (per month)
3	Account closing	no fee
4	Non-cash transactions on the account:
4.1	Crediting of the precious metals to the account	10 USD
5	Transferring of the precious metals from the account
5.1	Upon transfer to the Bank within the performance of obligations under contracts of sale	no fee
5.2	Upon transfer to the other bank to another unallocated metal account of the Customer in the Bank	no fee
6	Transactions with precious metals in unallocated form
6.1	Buying precious metal from the Customer with the further writing-off the funds from the unallocated metal accounts with the Bank	at the bank rate
6.2	Selling precious metal to the Customer with the further crediting of the funds to the unallocated metal accounts with the Bank	at the bank rate
7	Accrual of interest on the balance of the UMA	is not executed
	Transactions on the unallocated metal accounts
8	Transfers from unallocated metal accounts to accounts with the same sign Loco1 opened in other banks	50 USD
9	Transfers from unallocated metal accounts for another unallocated metal accounts with the same sign Loco opened in JSC “BSB Bank”	no fee
¹ Payment of fee shall be made in BYN at the rate established by the National Bank of the Republic of Belarus on the date of payment, unless otherwise provided by contract

In case of divergence of information in Russian and English versions of the site, the Russian version of the site shall prevail.

Bank account

BANK GUARANTEE

MONEY TRANSFERS

FACTORING - NO FLOATING CAPITAL DEFICIT

1 USD	2.0600	2.0700
1 EUR	2.3000	2.3260
100 RUB	3.1900	3.2450
USD / RUB	63.6	64.8
EUR / USD	1.113	1.127

Gold 1g	91	103
Gold 5g	452	518
Gold 10g	915	1 016
Gold 20g	1 813	1 995
Gold 50g	4 540	4 880