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© 2007 Parex banka
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Parex Group / Fees / Payment Cards (Commissions for Payment Card Issue and Maintenance)
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Payment Cards (Commissions for Payment Card Issue and Maintenance) |
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| Debit cards |
| VISA Electron, Maestro (for individuals/ corporate persons) |
LVL |
USD |
EUR |
| Annual fee for card/ supplementary card maintenance |
- |
50.00 USD |
50.00 EUR |
| Monthly fee for card/ supplementary card |
0.50 LVL |
- |
- |
| Purchase of goods and services |
free of charge |
0.5% |
0.5% |
| Cash withdrawal in Parex banka, GE Money Bank, Latvijas Krajbanka and Latvijas Hipotēku un zemes banka ATM networks |
free of charge |
1.5% (min 3.00 USD) |
1.5% (min 3.00 EUR) |
| Cash withdrawal in ATM networks of other banks |
1% (min 2.00 LVL) |
1.5% (min 5.00 USD) |
1.5% (min 5.00 EUR) |
| Transfer from account |
as from current account |
as from current account |
as from current account |
| Cash withdrawal in Parex banka |
as from current account |
as from current account |
as from current account |
| Cash withdrawal in other banks |
1% (min 2.00 LVL) |
1.5% (min 5.00 USD) |
1.5% (min 5.00 EUR) |
| Annual credit interest rate |
28% |
32% |
32% |
| Annual interest rate for the late payments (higher annual credit interest rate (additionally to the annual interest rate)) |
45% |
45% |
45% |
| Penalty rate for the excess of the credit limit (per day) |
0.175 |
0.175% |
0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card |
see Deposits chapter |
see Deposits chapter |
see Deposits chapter |
| Card replacement |
3.00 |
20.00 |
20.00 |
| Cash withdrawal from ATMs and POS terminals in banks - monthly limit for 1 (one) payment card |
10 000 LVL |
equivalent of
10 000 LVL |
equivalent of
10 000 LVL |
| Cash withdrawal from ATMs and POS terminals in banks - daily limit for 1 (one) payment card |
1 000 LVL |
equivalent of
1 000 LVL |
equivalent of
1 000 LVL |
Effective from 02.09.2009.
| ATM cards |
| VISA Plus, CIRRUS (cash cards) (for individuals/ corporate persons) |
LVL |
USD |
EUR |
| Annual fee for card/ supplementary card maintenance |
6.00 LVL |
50.00 USD |
50.00 EUR |
| Cash withdrawal in ATM |
2% (min 2.00 LVL) |
2% (min 5.00 USD) |
2% (min 5.00 EUR) |
| Cash withdrawal in Parex banka, GE Money Bank, Latvijas Krajbanka and Latvijas Hipotēku un zemes banka ATM networks |
1.5% (min 1.00 LVL) |
1.5% (min 3.00 USD) |
1.5% (min 3.00 EUR) |
| Transfer from account |
as from current account |
as from current account |
as from current account |
| Cash withdrawal in Parex banka |
as from current account |
as from current account |
as from current account |
| Penalty rate for the excess of the credit limit (per day) |
0.175% |
0.175% |
0.175% |
| Card replacement |
3.00 LVL |
20.00 USD |
20.00 EUR |
| Cash withdrawal from ATMs and POS terminals in banks - monthly limit for 1 (one) payment card |
10 000 LVL |
equivalent of
10 000 LVL |
equivalent of
10 000 LVL |
| Cash withdrawal from ATMs and POS terminals in banks - daily limit for 1 (one) payment card |
1 000 LVL |
equivalent of
1 000 LVL |
equivalent of
1 000 LVL |
Effective from 02.08.2009.
| Regular credit cards |
| VISA Classic, MasterCard Standard (under security deposit) (for individuals) |
LVL |
USD |
EUR |
| Annual fee for card/ supplementary card maintenance |
36.00 LVL |
80.00 USD |
80.00 EUR |
| Purchase of goods and services |
0.5% |
0.5% |
0.5% |
| Cash withdrawal in Parex banka, GE Money Bank, Latvijas Krajbanka and Latvijas Hipotēku un zemes banka ATM networks |
3% (min 1.00 LVL) |
3% (min 3.00 USD) |
3% (min 3.00 EUR) |
| Cash withdrawal in ATM networks of other banks |
3% (min 2.00 LVL) |
3% (min 5.00 USD) |
3% (min 5.00 EUR) |
| Transfer from account |
as from current account + 3% |
as from current account + 3% |
as from current account + 3% |
| Cash withdrawal in Parex banka |
3% (min 1.00 LVL) |
3% (min 3.00 USD) |
3% (min 3.00 EUR) |
| Cash withdrawal in other banks |
3% (min 2.00 LVL) |
3% (min 5.00 USD) |
3% (min 5.00 EUR) |
| Annual credit interest rate |
32% |
32% |
32% |
| Annual interest rate for the late payments (higher annual credit interest rate (additionally to the annual interest rate)) |
45% |
45% |
45% |
| Penalty rate for the excess of the credit limit (per day) |
0.175% |
0.175% |
0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card |
see Deposits chapter |
see Deposits chapter |
see Deposits chapter |
| Card replacement |
12.00 LVL |
20.00 USD |
20.00 EUR |
| Servicing of the account with an attached payment card, if a card has expired and new card has not been issued to the client, for the first year of card inactivity |
- |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
| Servicing of the account with an attached payment card, if a card has expired and new card has not been issued to the client, for the further years of card inactivity |
- |
equivalent of 10.00 LVL per month1 |
equivalent of 10.00 LVL per month1 |
| Cash withdrawal from ATMs and POS terminals in banks - monthly limit for 1 (one) payment card |
10 000 LVL |
equivalent of
10 000 LVL |
equivalent of
10 000 LVL |
| Cash withdrawal from ATMs and POS terminals in banks - daily limit for 1 (one) payment card |
1 500 LVL |
equivalent of 1 500 LVL |
equivalent of 1 500 LVL |
Effective from 02.09.2009.
| Gold credit cards |
| VISA Gold, MasterCard Gold (under security deposit) (for individuals/ corporate persons) |
LVL |
USD |
EUR |
| Annual fee for card/ supplementary card maintenance |
99.00 LVL |
180.00 USD |
180.00 EUR |
| Purchase of goods and services |
0.5% |
0.5% |
0.5% |
| Cash withdrawal in Parex banka, GE Money Bank, Latvijas Krajbanka and Latvijas Hipotēku un zemes banka ATM networks |
3% (min 1.00 LVL) |
3% (min 3.00 USD) |
3% (min 3.00 EUR) |
| Cash withdrawal in ATM networks of other banks |
3% (min 2.00 LVL) |
3% (min 5.00 USD) |
3% (min 5.00 EUR) |
| Transfer from account |
as from current account + 3% |
as from current account + 3% |
as from current account + 3% |
| Cash withdrawal in Parex banka |
3% (min 1.00 LVL) |
3% (min 3.00 USD) |
3% (min 3.00 EUR) |
| Cash withdrawal in other banks |
3% (min 2.00 LVL) |
3% (min 5.00 USD) |
3% (min 5.00 EUR) |
| Annual credit interest rate |
32% |
32% |
32% |
| Annual interest rate for the late payments (higher annual credit interest rate (additionally to the annual interest rate)) |
45% |
45% |
45% |
| Penalty rate for the excess of the credit limit (per day) |
0.175% |
0.175% |
0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card |
see Deposits chapter |
see Deposits chapter |
see Deposits chapter |
| Annual fee for Priority Pass usage |
free of charge |
free of charge |
free of charge |
| Fee for one person's visit at Priority Pass airport VIP area |
15.00 LVL |
27.00 USD |
24.00 EUR |
| Card replacement |
12.00 LVL |
20.00 USD |
20.00 EUR |
| Servicing of the account with an attached payment card, if a card has expired and new card has not been issued to the client, for the first year of card inactivity |
- |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
| Servicing of the account with an attached payment card, if a card has expired and new card has not been issued to the client, for the further years of card inactivity |
- |
equivalent of 10.00 LVL per month1 |
equivalent of 10.00 LVL per month1 |
| Cash withdrawal from ATMs and POS terminals in banks - monthly limit for 1 (one) payment card |
10 000 LVL |
equivalent of
10 000 LVL |
equivalent of
10 000 LVL |
| Cash withdrawal from ATMs and POS terminals in banks - daily limit for 1 (one) payment card |
2 000 LVL |
equivalent of 2 000 LVL |
equivalent of 2 000 LVL |
Effective from 02.09.2009.
| Parex banka credit cards |
| VISA Platinum (for individuals/ corporate persons) |
USD |
EUR |
| Annual fee for card maintenance |
350.00 |
350.00 |
| Annual fee for supplementary card maintenance |
200.00 USD |
200.00 |
| Monthly fee for card/ supplementary card maintenance |
2.00 |
2.00 |
| Purchase of goods and services |
0.5% |
0.5% |
| Cash withdrawal in Parex banka, GE Money Bank, Latvijas Krajbanka and Latvijas Hipotēku un zemes banka ATM networks |
3% (min 3.00 USD) |
3% (min 3.00 EUR) |
| Cash withdrawal in ATM |
3% (min 5.00 USD) |
3% (min 5.00 EUR) |
| Transfer from account |
as from current account + 3% |
as from current account + 3% |
| Cash withdrawal in Parex banka |
3% (min 3.00 USD) |
3% (min 3.00 EUR) |
| Cash withdrawal in other banks |
3% (min 5.00 USD) |
3% (min 5.00 EUR) |
| Annual credit interest rate |
18% |
18% |
| Annual interest rate for the late payments (higher annual credit interest rate (additionally to the annual interest rate)) |
45% |
45% |
| Penalty rate for the excess of the credit limit (per day) |
0.175% |
0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card |
see Deposits chapter |
see Deposits chapter |
| Overdraft minimum monthly payment amount |
5% of spent overdraft amount and 100% of excess expenditure |
5% of spent overdraft amount and 100% of excess expenditure |
| Card replacement |
20.00 |
20.00 |
| Fee for 1 person’s visit at Priority Pass airport business area |
27.00 |
24.00 |
| Cash withdrawal from ATMs and POS terminals in banks - monthly limit for 1 (one) payment card |
equivalent of
20 000 LVL |
equivalent of
20 000 LVL |
| Cash withdrawal from ATMs and POS terminals in banks - daily limit for 1 (one) payment card |
equivalent of 2 000 LVL |
equivalent of 2 000 LVL |
Effective from 02.09.2009.
| Virtual credit cards |
| VISA Classic, MasterCard Mass (for individuals/ corporate persons) |
LVL |
USD |
EUR |
Fee for card maintenance:
for 2 months
for 12 months |
3.00 LVL
14.00 LVL |
5.00 USD
25.00 USD |
5.00 EUR
25.00 EUR |
| Purchase of goods and services |
1% |
1% |
1% |
| Transfer from account |
as from current account + 3% |
as from current account + 3% |
as from current account + 3% |
| Cash withdrawal in Parex banka |
3% (min 1.00 LVL) |
3% (min 3.00 USD) |
3% (min 3.00 EUR) |
| Annual credit interest rate |
32% |
32% |
32% |
| Annual interest rate for the late payments (higher annual credit interest rate (additionally to the annual interest rate)) |
45% |
45% |
45% |
| Penalty rate for the excess of the credit limit (per day) |
0.175% |
0.175% |
0.175% |
Effective from 02.08.2009.
| Silver Business credit cards |
| VISA Business, MasterCard Business (for corporate persons) |
LVL |
USD |
EUR |
| Annual fee for card/ supplementary card |
69.00 LVL |
120 USD |
120 EUR |
| Card replacement |
12.00 LVL |
20.00 USD |
20.00 EUR |
| Purchase of goods and services in Latvia |
0.5% |
0.5% |
0.5% |
| Purchase of goods and services abroad |
0.5% |
0.5% |
0.5% |
| Cash withdrawal in Parex banka |
3% (min 1.00 LVL) |
3% (min 3.00 USD) |
3% (min 3.00 EUR) |
| Cash withdrawal in other banks |
3% (min 2.00 LVL) |
3% (min 5.00 USD) |
3% (min 5.00 EUR) |
| Cash withdrawal in Parex banka, GE Money Bank, Latvijas Krajbanka and Latvijas Hipotēku un zemes banka ATM networks |
3% (min 1.00 LVL) |
3% (min 3.00 USD) |
3% (min 3.00 EUR) |
| Cash withdrawal in ATM networks of other banks |
3% (min 2.00 LVL) |
3% (min 5.00 USD) |
3% (min 5.00 EUR) |
| Annual credit interest rate |
24% |
24% |
24% |
| Annual interest rate for the late payments (higher annual credit interest rate (additionally to the annual interest rate)) |
45% |
45% |
45% |
| Penalty rate for the excess of the credit limit (per day) |
0.175% |
0.175% |
0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card |
see Deposits chapter |
see Deposits chapter |
see Deposits chapter |
| Transfer from account |
as from current account + 3% |
as from current account + 3% |
as from current account + 3% |
| Servicing of the account with an attached payment card, if a card has expired and new card has not been issued to the client, for the first year of card inactivity |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
| Servicing of the account with an attached payment card, if a card has expired and new card has not been issued to the client, for the further years of card inactivity |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
| Cash withdrawal from ATMs and POS terminals in banks - monthly limit for 1 (one) payment card |
till 10 000 LVL |
equivalent of
10 000 LVL |
equivalent of
10 000 LVL |
| Cash withdrawal from ATMs and POS terminals in banks - daily limit for 1 (one) payment card |
1 500 LVL |
equivalent of 1500 LVL |
equivalent of 1500 LVL |
| Overdraft minimum monthly payment amount |
till the 15th date of each month 100% of spent overdraft amount and 100% of excess expenditure |
till the 15th date of each month 100% of spent overdraft amount and 100% of excess expenditure |
till the 15th date of each month 100% of spent overdraft amount and 100% of excess expenditure |
Effective from 02.09.2009.
| American Express credit cards |
| Service |
Commission |
| |
USD |
EUR |
GBP |
| Card issue |
120.00 |
equivalent 120.00 USD |
equivalent 120.00 USD |
| Guarantee with deposit coverage issue (per year) |
1.5% of amount (min 200 USD) |
1.5% of amount (min 200 EUR) |
1.5% of amount (min 200 GBP) |
| Guarantee without deposit coverage issue (per year) |
3.5% of amount |
3.5% of amount |
3.5% of amount |
| Card dispatch by DHL |
50.00 USD |
equivalent 50.00 USD |
equivalent 50.00 USD |
| Concierge service for the users of American Express Services Ltd. Platinum and Centurion cards |
free of charge |
free of charge |
free of charge |
| Client’s guarantee deposit for American Express Services Ltd. issued cards: |
| 40.31.6.1.Centurion card |
100,000.00 USD |
100,000.00 EUR |
100,000.00 GBP |
| 40.31.6.2.Platinum card |
75,000.00
USD |
75,000.00 EUR |
75,000.00 GBP |
| Bank’s issued guarantee and authorized credit amount for American Express Services Ltd. issued cards: |
| 40.31.7.1. Centurion card |
75,000.00 USD |
75,000.00 EUR |
75,000.00 GBP |
| 40.31.7.2. Platinum card |
50,000.00 USD |
50,000.00 EUR |
50,000.00 GBP |
| Automatic coverage of negative card balance on American Express Services Ltd. Platinum and Centurion issued card accounts from client’s personal account or from client’s company account |
free of charge |
free of charge |
free of charge |
| Interest rate for American Express Services Ltd. Platinum or Centurion card credit limit usage (if the negative balance on the card account of the current day is covered) |
not applicable |
not applicable |
not applicable |
| Interest rate for American Express Services Ltd. Platinum or Centurion card credit limit usage (if the balance of the card account is negative in the current month) |
0.07% per day (min 2 USD) |
0.07% per day (min 2 EUR) |
0.07% per day (min 2 GBP) |
| Interest rate for American Express Services Ltd. Platinum or Centurion card credit limit usage (in case of late payment starting with the second month) |
0.1% per day |
0.1% per day |
0.1% per day |
Fee for SWIFT transaction to client American Express Platinum or Centurion card accounts in American Express bank
|
45 USD |
45 EUR |
45 GBP |
| Fee for American Express Services Ltd. Platinum or Centurion account statement and other material dispatch connected with card service |
5 USD |
5 EUR |
5 GBP |
Effective from 01.03.2010.
| Other payment card services |
| |
USD |
EUR |
| Balance review in Parex banka, Latvijas Krājbanka, GE Money Bank, ATM networks using VISA, VISA Electron, MasterCard, Maestro cards |
free of charge |
free of charge |
| Balance review in ATM networks of other banks in Latvia using VISA, VISA Electron, MasterCard, Maestro cards |
0.50 |
0.50 |
| Balance review in ATM networks of other banks abroad using VISA, VISA Electron, MasterCard, Maestro cards |
1.00 |
1.00 |
| Transaction report dispatch by fax (1 page) |
5.00 |
5.00 |
| Transaction report receipt in Bank for the last 3 months |
free of charge |
free of charge |
| Transaction report receipt in Bank from archive for period more than 3 months (1 page) |
0.50 LVL |
0.50 LVL |
| Express-overdraft (bonus) |
10.00 |
10.00 |
| Review of a groundless claim |
10.00 |
10.00 |
| Currency exchange mark-up fee for VISA, VISA Electron, MasterCard, Maestro cards |
4.3% |
4.3% |
| Card account closure |
free of charge |
free of charge |
| Unblocking of smart card`s PIN code, which was blocked three times entering incorrect code in POS terminal (service is rendered in Client Service Centres) |
2.00 LVL |
2.00 LVL |
| Unblocking of card per request, which was blocked three times entering incorrect PIN code |
10.00 USD |
10.00 EUR |
Effective from 28.12.2009.
| 3D Saving Account Card (VISA Business, MasterCard Business) |
| |
LVL |
USD |
EUR |
| Annual fee for card |
35.00 LVL |
60.00 USD |
60.00 EUR |
| Monthly fee for supplementary card |
free of charge |
free of charge |
free of charge |
| Replacement card issuance |
12.00 LVL |
20.00 USD |
20.00 EUR |
| Purchase goods and services in Latvia |
0.5% |
0.5% |
0.5% |
| Purchase goods and services abroad |
0.5% |
0.5% |
0.5% |
| Cash withdrawal in Parex banka, GE Money Bank, Latvijas Krājbanka and Latvijas Hipotēku un zemes banka ATM networks |
3% (min 2 LVL) |
3% (min 5 USD) |
3% (min 5 EUR) |
| Cash withdrawal in ATM networks of other banks |
3% |
3% |
3% |
| Cash withdrawal in other banks |
3% (min 2 LVL) |
3% (min 5 USD) |
3% (min 5 EUR) |
| Overexpenditure interest rate per day |
0.175% |
0.175% |
0.175% |
| Transfer from account |
as from 3D Saving Account |
Effective from 24.11.2009.
1 till the balance of the account is equal to zero.
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