pricing conditions

Online
www.credit-du-nord.fr
Via mobile phone or tablet
Download the free app
from the App Store* or Google Play**
By telephone
Étoile Direct and Étoile Direct Bourse:
3450
€0.40/min
+ local carrier charges
To sign up for these services, call:
0 810 36 36 36
* App Store is a service by Apple Inc.
** Google Play is a service by Google Inc.
All paper
is recycled
at Ecofolia
€0.06/min
+ local carrier charges
Crédit du Nord - Société Anonyme with capital of EUR 890 263 248 - SIREN 456 504 851 - RCS Lille - VAT No. FR83 456 504 851 - Registered address: 28, place Rihour - 59000 Lille - Central office: 59, boulevard Haussmann 75008 Paris - Insurance brokerage company registered with the ORIAS under the No. 07 023 739 - DCA - May 2016 - Translated by: Technicis Finance
our online services
for a bank that's
always close to you
private customers
pricing
conditions
APPLICABLE FROM
MAY 1, 2016
contents
editorial
Please find enclosed the rates for products and services
reserved for our “Private” customers. These tariffs apply from
May 1, 2016 onwards.
These rate details are available at any of our branches or on our
website: www.credit-du-nord.fr
The rates set out in this document are not exhaustive.
Ask your Adviser for more information before making any transaction
for which the rate is not indicated in this document.
The rates may be modified at any time, subject to notification prior
to their application.
Only rates indicated as “incl. tax" are subject to VAT (VAT rate in
force at January 1, 2016: 20.00%).
Standard tariffs*
€
LIST OF SERVICES
•
Subscription to remote banking services (online)
Subscription to an account balance text alert service
(Étoile Infos)
2.00 incl.
taxes/month,
equating to
24.00 incl.
taxes/year
3.00 incl.
taxes/month
for up to
6 alerts per month,
equating to
36.00 incl.
taxes/year
•
•
•
4
account statements
4
account fees
4
branch services
5
5
REMOTE BANKING
online banking
5
telephone banking
5
étoile infos
5
6
cards
6
transfers
7
withdrawals and tip sepa
8
cheques
8
value dates
execution terms of
payment transactions
9
PACKAGE OFFER OF SERVICES
10
9
the norplus agreement
10
specific offering of banking services
10
IRREGULARITIES AND INCIDENTS
12
12
Classic Visa Card deferred debit
50.00/year
special transactions
12
Visa Electron Card with account checking
38.00/year
payment incidents
12
OVERDRAFTS AND LOANS
13
Fee per one-time transfer (SEPA transfers)
1.00
per withdrawal
from the fourth
withdrawal
per month
5.00
- at the branch
per transfer
- online
•
opening, modifying and closing
handling charges
•
•
4
50.00/year
•
•
2
OPENING, OPERATING AND MONITORING
Classic Visa Card immediate debit
Fee for withdrawing cash from an ATM belonging
to another bank (for euro withdrawals in the
eurozone using an international payment card)
•
STANDARD EXTRACT OF TARIFFS
YOUR MEANS OF PAYMENT AND TRANSACTIONS
The tariffs below do not include service packages, promotions or
special rates offered to certain customers.
•
page
free
Payment of a SEPA transfer
overdrafts
13
consumer loans
13
mortgages
14
guarantees and endorsements given
14
SAVINGS AND INVESTMENTS
15
financial investments
15
- fee for transfer mandate set-up
free
- fee for transfer payment
free
discretionary management
8.00
pension savings plan
per transaction
capped at
Handling charges
80.00/month
Insurance for loss or theft
of means of payment (Sécurité Bleue)
Account management fee
35.60/year
17
life insurance
gestion initiale
17
statements
2.00/month
INSURANCE AND PROVIDENCE SCHEMES
18
24.00/year
INHERITANCE
18
RESOLVING A DISPUTE
18
equating to
* Credit establishments undertake, within the framework of the Consultative Committee for the Financial Sector
(CCSF), to present a standard tariff extract in the header of their tariff booklets and online.
2
15
bank savings
3
€
opening, operating
and monitoring
your account
to rent a safe deposit box of up to 500 dm3 with content
value limited to EUR 80,000
Research fee (certificate, duplicate statements, etc.)
€
•
Account management fee for non-resident customers
39.00
free
Assistance in changing direct debit details
free
•
•
Mortgage requisition (excluding disbursements)
Account opening
47.00
Basic Banking Service(1)
free
Account closing
List of automatic and recurrent transactions provided
at the Customer’s request when closing the account
free
Request for statements from the Clerk’s Office
(excluding disbursements)
Request for cadastral or mortgage statements
(excluding disbursements)
Service charge on purchase or sale of
foreign banknotes
Service charge on purchase or sale of
traveller’s cheques
•
•
free
•
ACCOUNT STATEMENTS
•
Account statements
- monthly
1.90
+ postal fees
Statement faxed by the Étoile Direct telephone service
4.00
Online account statement (Online banking(3))
free
- annual delivery
42.00/year
- biannual delivery
48.00/year
- quarterly delivery
62.00/year
20%
+ postal fees(2)
Capital gain or loss statement (annual)
Account management fees
free
2.00/month
norplus benefit
•
•
•
•
•
included
Mail available in branch
100.00/year
Registered delivery (excluding chequebook)
12.60 incl. taxes
Sending a fax
6.00 incl. taxes
Issuing an IBAN (RIB)
minimum
free
Inactive account (after 12 months of inactivity within
the meaning of Article L 312-19 of the French monetary
and financial code)(4)
30.00/year
per account
BRANCH SERVICES
•
•
•
Subscription(7) to remote banking service
(Internet - including 6 account alerts(8) and 10 stock
market alerts/month)
norplus benefit
•
equating to
66.00/year
72.00
9.00
1.50%(6)
(minimum 8.00)
included
0.32 incl. taxes
0.50 incl.taxes
20%
norplus benefit
•
•
•
•
discount
Fees per one-time or permanent SEPA
(9)(10)
free
free
Online account statement option
free
Life Insurance transactions option
free
Étoile Direct and Étoile Direct Bourse
(stock market):
•
•
•
transfer
Stock market option
BANKING BY TELEPHONE
•
2.00 incl.
taxes/month
Fees for using remote banking services (internet)
-cost per additional account alert
free
ACCOUNT FEES
•
•
- cost per additional stock market alert
- delivery upon request
16.50/quarter,
www.credit-du-nord.fr
and from our smartphone and tablet apps
Securities portfolio statement
13.00
50.40 incl. taxes
€
ONLINE BANKING
discount
- annual delivery
•
(2)
Investment account statement
norplus benefit
•
remote banking
free
- additional (ten-day, daily)
•
•
•
discount
•
OPENING, MODIFYING AND
CLOSING ACCOUNTS
•
•
•
•
•
20%
norplus benefit
3450
Subscription to remote banking service
(telephone - Étoile Direct and Étoile Direct Bourse)
€0.40/min
+ local carrier charges
free
0.40/min.
Communication cost
+ price of the call(11)
Account or securities statement sent by fax
4.00
Fee per one-time SEPA(9) transfer
3.75
ÉTOILE INFOS
Account alerts by SMS or e-mail
Instant transaction history
5.50
Fee per cash withdrawal at Crédit du Nord Group
counters without a cheque issued
free
Safe deposit box rental fee
From
120.00 incl.
tax(5) /year
- depending on size and option
4
•
Subscription to a product offering account alerts by
SMS or e-mail (Étoile Infos - 6 account alerts(8) per
month included)
3.00 incl.
taxes/month
norplus benefit
included(3)
- cost per additional alert
0.32 incl. taxes
20%
norplus benefit
discount
5
your means of payment
and transactions
€
Bank card transactions outside the eurozone
•
- payment by card
€
CARDS
Visa Infinite card fee
355.00/year
Visa Premier card fee
137.00/year
Visa Classic card fee
50.00/year
Visa Electron card fee
38.00/year
Visa Plus card fee
31.00/year
norplus benefit
included
•
Deferred debit (available on Visa Classic,
Visa Premier, and Visa Infinite cards)
•
Debit-credit option (13) (option linked to the opening of
Étoile Avance revolving credit, available on Visa Classic
and Visa Premier cards)
free
•
Regional picture option (available on Visa Classic
and Visa Premier cards)
free
•
Contactless feature (available on Visa Classic,
Visa Premier, and Visa Infinite cards)
free
•
•
•
“Jeunes” prepaid card fee
(12)
free
free
Monéo Vert card fee
15.00/year
American Express card fees
Platinum American Express card fee
Gold American Express card fee
590.00/year
185.00/year
Green American Express card fee
95.00/year
20%
norplus benefit
discount
Fees per withdrawal at a Crédit du Nord Bank ATM(15)
- Non Crédit du Nord Group and Société Générale
Group ATM
•w
ith a Visa Premier, Visa Infinite,
or “Jeunes” prepaid card
•w
ith an American Express
Green, Gold, or Platinum Card
•
•
free
free
2.80%(6)
2.00%
(minimum 3.00)
+ 2.80%(6)
Card stop-payment (freeze) fees
- for loss or theft(17)
free
- for fraudulent use by a third party
free
•
Fees for reporting a decision to revoke a bank card
to Banque de France
45.00
•
Fees for sending a bank card
- automatic to customer’s home for renewal
or replacement
•
•
•
•
•
free
5.20
+ postal
charges(18)
- other cases
Selection of PIN(19)
free
PIN request
11.10
Replacement of a card (excluding fraud or technical
problem)
11.10
Bank card invoice wrongly disputed
44.00
Search fees (supporting document for a bank card invoice)
21.00
TRANSFERS
•
•
•
Fees per one-time or permanent online SEPA transfer order(10)
Fees per one-time or permanent internal account-toaccount SEPA transfer for the same account holder
Internal SEPA transfer to account of another account
holder or external SEPA transfer whoever the beneficiary:
free
free
- fee per one-time SEPA transfer
free
1.00/
withdrawal
2%(6)/
withdrawal
(minimum 3.00)
Fees per cash withdrawal at counters
out of Crédit du Nord Group
5.60
Fees for any payment by card
free
6
Commission on transactions carried out by American
Express card:
Other
•
withdrawals/
month (16)
• with a Visa Electron or Visa Plus card
6.30 + 3.10%(6)
- cash withdrawal at another bank’s ATM(15)
3 free
• with a Visa Classic card
- cash withdrawal at a branch
SEPA(9) transfers within the EEA(20)
Fees per withdrawal at an ATM(15) of another bank
- Crédit du Nord Group or Société Générale Group ATM
4.10 + 3.10%(6)
- payment by card
Bank card transactions in France and eurozone
•
•
- cash withdrawal at another bank’s ATM
(17)
(14)
•
•
•
•
18.00/year
Internal ATM card fee
1.20 + 3.10%(6)
(15)
Bank card fees
•
•
•
•
•
Commission on transactions carried out using
a bank card:
•
• by Étoile Direct telephone (only in France)
3.75
• paper based
5.00
- fee per permanent SEPA transfer(21)
1.45
Fees per SEPA transfer received
free
Note: the IBAN(22) now being mandatory for any transfer to the
SEPA zone, we urge you to collect this information from your
beneficiaries.
We would like to draw your attention to the fact that your account
number, even as an IBAN, should be disclosed with care to third
parties and restricted to transactions where the disclosure of such
information is essential.
7
your means of payment
and transactions
(continued)
SEPA(9) transfers outside the EEA(20) and
non-SEPA transfers (24)(25)
€
Cheques issued abroad (24)(30)
•
Fee per transfer sent or received < EUR 12,500
14.00
•
Payment of cheque issued abroad or presentation of
cheque from abroad < EUR 12,500
14.00
•
Fee per transfer sent or received ≥ EUR 12,500
Consult
your Adviser
•
Payment of cheque issued abroad or presentation of
cheque from abroad ≥ EUR 12,500
Consult
your Adviser
Non-SEPA transfers sent or received in Swedish kronor (SEK) are subject to the same
tariffs – excluding foreign exchange commissions(24) – as SEPA transfers within the
EEA(20), on a shared-cost basis, provided that your orders are accompanied by the
recipient’s IBAN(22) for the non-SEPA transfers sent.
WITHDRAWALS AND TIP SEPA(26)
SEPA(27) direct debits and SEPA interbank payment orders received
•
Fee for setting up a SEPA direct debit mandate
on the account
free
•
Fee per payment of a SEPA direct debit
or a SEPA payment order
free
•
Stop-payment on SEPA(17) direct debit or payment order
free
•
Revocation of mandate or creditor
13.00
limited to one
invoice/day
SEPA (27) direct debits sent
•
•
ICS
Transactions are recorded at the value of D-day (31) (cash payments, cash
withdrawals at counters and ATMs, cheques issued, SEPA and non-SEPA
transfers, etc.) except technical delays for:
•
Issuance of bank cheque
•
Handover of cheques
1 business
day prior
- cheques from banks within Crédit du Nord Group
1 business
day later
- cheques from other banks
•
Receipt of a non-SEPA transfer in a non-EEA
currency(20)
1 calendar
day later(32)
EXECUTION TERMS FOR PAYMENT
TRANSACTIONS
Deadlines for sending SEPA transfer orders
number request
30.00
Issuance of SEPA direct debit
1.45
(28)
VALUE DATES
CHEQUES
Cheques in France
•
•
Payment of cheque and remittance of cheques in euros
free
Issuance of euro chequebook at counter
free
•
Insurance of an Emploi Service chequebook at counter
free
•
Automatic chequebook renewal
free
•
Chequebook shipping fee
•
Fee for stop-payment of cheque(s) or chequebook(s)
by issuer
•
•
•
Order placed at a branch
4 p.m.
Remote banking transfer order
7 p.m.
Online transfer order
11:30 p.m.
Transactions are recorded only on business days of the Bank and within
the meaning of Article L.133-4 of the French monetary and financial
code, which may vary depending on the payment methods used
and the method of transmission chosen. Any payment order received after
the deadline is deemed to have been received on the following business day.
Thus the execution of orders received on a Saturday or Sunday is
systematically deferred to the subsequent business day.
Deadlines for the transmission of non-SEPA
transfer orders
5.20
+ postal fees(18)
14.50
included
norplus benefit
•
Cheque drawn using non-compliant method
(charged to the beneficiary)
•
Fees for issuing a Bank Draft
(29)
5.00
14.00
included
norplus benefit
8
9
Consult
your Adviser
package offer of services
€
THE NORPLUS AGREEMENT
Essential: key services included in the Norplus Agreement
•
Choice of bank card (33)
•
Additional Purchase Coverage (34)
•
•
•
Temporary cash facility (33)
• VISA Classic card included or Visa Premier card included
• Coverage to protect your purchases made with your bank card included:
- up to EUR 2,000 with Norplus Visa
- up to EUR 3,000 with Norplus Premier
• Sécurité Bleue insurance included
Insurance package for loss or theft of means of payment, keys, and papers
•O
verdraft authorisation from EUR 300
• If it does not exceed EUR 8/quarter for the Visa option
or EUR 24/quarter for the Premier option
Exemption of any debtor interest
• Day-to-day account management
• Routine transactions (transfers, ordering chequebooks)
•
Online account management service (7)
• Online statements (optional service included)
• Management of securities portfolios and life insurance policies
• 6 account alerts(8) by SMS or e-mail, Étoile Infos(35)
•
•
•
Stop-payment on cheque(s) or chequebook(s)
• Exemption from fees (36)
Issuance of bank cheque
Account management fee
• Exemption from fees
Useful: preferential rates on freely chosen banking services
•
•
•
•
•
•
•
•
•
Solution for handling litigation: Legal Protection
Guaranteed income in case of accidental death: Sécurité 12 insurance
Guarantee benefit in case of accidental death: Sécurité Épargne insurance
American Express card fee(33) (14)
• 20% discount
Custody fees for securities on deposit(37)
Credit administrative charges
Patrimonial account statement
Safe deposit box rental fee(38)
Flat fee for Gestion Initiale(39)
Enjoyable: everyday benefits on your online purchases
•
• Included
The Norplus Club
Package fee (tariffs incl. taxes):
•
•
•
•
•
Norplus Visa Option
Norplus Premier Option
Annual fee
EUR 104.40(40) (41)
EUR 208.80(40) (42)
Quarterly fee
EUR 26.10(40) (41)
EUR 52.20(40) (42)
Monthly fee
EUR 8.70(40) (41)
EUR 17.40(40) (42)
Under 26 years old
50% discount
2nd holder on joint account
50% discount
SPECIFIC OFFERING OF BANKING SERVICES
Incidents
Offer reserved for customers in a difficult financial situation(33)(43)
•
Package fee including (43):
- a Visa Electron card
-u
nlimited SEPA(27) direct debits and SEPA payment
orders (TIP)(26)
-4 SEPA transfers/month, including at least 1 standing SEPA
transfer
- 6 account alerts per month(8)
3.00 incl.
taxes/month
•
Handling charges in writing if the Temporary Overdraft
Facility is exceeded or in case of an unauthorised debit (44)
- 2 bank cheques per month
-subscription to the remote banking (online) service to view
account information
10
11
4.00
per transaction
with a ceiling of
20.00/month
irregularities
and incidents
€
HANDLING CHARGES
•
Handling charges if the Temporary Overdraft Facility
amount is exceeded or in case of an unauthorised
debit(44)
8.00
per transaction
with a ceiling of
•
Fee for rejected direct debit for insufficient
funds (SEPA(27) direct debits and SEPA payment
orders (TIP)(26))
•
Fee for notification of unauthorised negative account
balance
•
126.00
Fees per opposition to a third-party account holder
126.00
Fees per entry - attribution
126.00
Fee per administrative stop-payment
•
Fee following notification by Banque de France
of removal of cheque-writing facility
- minimum
- maximum
•
FICP warning(46)
39.00
•
Example: on 01/10/2015, for an account debit
of EUR 900 over 20 days at a rate of 17.92%, the
interest amounts to EUR 8.96, i.e. an APR of 19.92%
•
•
•
Temporary Cash Flow Facility from EUR 300 (33)
- Rates
•
Authorised overdraft(33)
Maximum
regulatory
rate
published
quarterly in
the Journal
Officiel
Consult
your Adviser
Consult
your Adviser
- Rates
1.20%
of the amount
borrowed
(Minimum
- Administration charges
80.00)
•
Fixed minimum fees on debit interest per period
Cheques
CONSUMER LOANS(33)
Fees per cheque rejected for insufficient funds
(including all sums charged by the Bank, regardless
of the currency or justification of these sums)
•
5.80
Renewable credit
- Fixed rate for rejected cheque ≤ EUR 50
30.00
- Fixed rate for rejected cheque > EUR 50
50.00
Payment of a cheque issued in violation of banking
prohibition
59.00
Fee for returned unpaid cheque (paid by beneficiary),
except for insufficient funds
19.00
Note: The rejection of a cheque for lack of funds involves the immediate
prohibition from issuing cheques on all accounts held by the issuer at all
banks. This suspension lasts for five years. It involves registration with
the National Bad Cheque Registry and the Central Cheque Register of
the Banque de France, where people prohibited from issuing cheques are
listed. The lifting of the prohibition may be obtained at any time after the
situation has been resolved by the customer. You have the possibility of
informing your Advisor of the means (telephone, e-mail) by which you wish
to be informed of a lack of funds before rejection of the cheque by the Bank.
12
€
Non-contractual overdraft inferior to a 3-month time period(44)
- Maximum Annual Percentage Rate (TAEG)
or Overall Effective Rate (TEG)
28.10
PAYMENT INCIDENTS
•
8.00%(48)
OVERDRAFTS(33)
of the amount
of the
stop-payment
with a ceiling of
2.40%
incl. taxes(45)
55.20
incl. taxes
288.00
incl. taxes
Amicable recovery fees
3.00%(48)
overdrafts and loans
126.00
•
25.60
Overdue payments on managed loans
- personal loans
10%
•
13.00
- registered post
(49)
Fees per notice to a third-party account holder
Equal to the
amount
of the order
(maximum 20.00)
- regular post
- mortgages(47)
80.00/month
SPECIAL TRANSACTIONS
•
•
•
€
Other
Consult
your Adviser
Étoile Avance
- Automatic management option
free
- Debit/credit option(13) (option linked with
the opening of an Étoile Avance renewable credit,
available on Visa Classic and Visa Premier cards)
free
Instalment loan
•
Consult
your Adviser
Étoile Express
1.20%
of the borrowed
amount
(minimum 80.00)
- administrative charges
20%
norplus benefit
•
•
•
•
discount
Étoile Jeune Actif
Computer Loan
Consult
your Adviser
Étoile Études Student Loan
Prêt Épargne Projet
Instalment loan linked to prior savings
13
overdrafts
and loans (continued)
savings and financial
investments
€
MORTGAGES(33)
•
•
Libertimmo 1
Fixed-rate mortgage
•
Libertimmo 3
Capped adjustable-rate mortgage
•
Valorimmo
In fine fixed-rate or capped floating-rate mortgage
•
Bridge loan
Fixed-rate loan
•
Crédit Global Immobilier
Financing a new real estate purchase before reselling
the current property
•
Administrative charges
•
of the borrowed
amount
975.00
1.20% of the
Loan renegotiation fees
remaining capital
- minimum
480.00
- maximum
975.00
•
0.50%(52)
2.00%(52)(53)
Free rates
discount
Contractual modifications fees
200.00
Re-publication of amortisation schedule
30.00
Mortgage discharge fee
210.00
1.75%
CEL, PEL, or PEP transfer to another
institution (excluding Crédit du Nord Group)
84.00
Étoile Direct
Bourse online
or telephone
service
Branch
• up to EUR 7,500
0.55%
1.35%
• between EUR 7,501 and 15,000
0.55%
1.15%
• between EUR 15,001 and 100,000
0.45%
1.00%
• over EUR 100,000
0.30%
0.65%
free
9.00
• for shares (fixed + proportional)
8.50
15.00
• for rights and bonds
8.50
8.00
-o
rder not executed or cancelled
free
free
Orders sent through
(shares, rights, and bonds)
- minimum commission(54) per order
Consult
your Adviser
Éco-Prêt à Taux Zéro (zero rate eco-loan)
Prêt Conventionné (agreed loan)
- Livret Jeune
- plus a fixed commission for shares
Prêt Épargne Logement (home purchase savings plans)
Prêt à Taux Zéro+ (zero rate loan loan)
Consult
your Adviser
1.20%
of the borrowed
amount
•
Deferred Payment Service (SRD)(55)
- purchase commission(54)(56)
• minimum
480.00
- commission on sale
• maximum
975.00
- renewal commission(57)
20%
norplus benefit
discount
•
2.50%
(minimum 27.00/
quarter)
(50)
14
free
0.60% (minimum 15.00)
Index-linked government bonds
0.85% (minimum 15.00/order)
- order not executed or cancelled
120.00 max
Annual proportional fee
0.30 %
-p
roportional commission
GUARANTEES AND ENDORSEMENTS GIVEN
Set-up fees
0.40%(52)
- commission proportional(54)
to the total amount of the order:
20%
- administrative charges
•
- Compte d’Épargne Logement (excl. government premium)
Transactions
Securities listed on Euronext Paris, Brussels and Amsterdam
Regulated loans
•
1.25%
FINANCIAL INVESTMENTS
480.00
norplus benefit
•
•
•
•
0.75%
-L
ivret d’Épargne Populaire (subject to tax conditions)
- Plan d’Épargne Logement (excl. government premium)
•
1.20%
- maximum
•
•
•
Consult
your Adviser
0.75%
- Livret A
- Compte Sur Livret
- minimum
•
Government regulated rates
- Livret de Développement Durable
Libertimmo 4
Mortgage, at a fixed rate then at an adjustable capped rate
•
€
BANK SAVINGS(51)
•
Additional fees: costs inherent
to current financial transaction taxes(58)
15
free
Consult
your Adviser
savings and financial
investments (continued)
Securities listed abroad
excluding Euronext Brussels and Amsterdam
Europe
(59)(60)
•
•
•
•
•
•
•
•
€
- Diversified
0.50 to 2%
2.00%
- over EUR 7,500(54)
1.80%
Rest of the world
2.00%
•
•
- Equities
2.00%
Details and conditions of your SICAVs and mutual funds are indicated in the
regulatory information document approved by the AMF (French financial markets authority), available at our branches or on our SICAV/mutual fund website.
Gold transactions
3.60%
Transaction fee
(minimum 39.00)
Recovery of costs incurred
68.40 incl. taxes
Managed or advised accounts and contracts
- up to EUR 7,500(54)
2.30%
- over EUR 7,500(54)
2.00%
- plus fixed fees for Asia
45.00
•
Minimum(54) per order
22.00
PENSION SAVINGS PLAN
Order not executed or cancelled
Additional fees: costs inherent to current financial
transaction taxes(58)
Securities management
Custody rights to an unmanaged account
(calculated on the value of the securities portfolio
at 31/12 of the previous year)
- sliding scale per bracket:
• up to EUR 2,300
• from EUR 2,301 to 38,000
• from EUR 38,001 to 152,000
• over EUR 152,000
- plus a fixed fee per line
free
Consult
your Adviser
DISCRETIONARY MANAGEMENT
•
•
29.90 incl. taxes
0.30% incl. taxes
0.21% incl. taxes
0.12% incl. taxes
Transfer fees
2.00%(64)
Antarius Sélection MultiCapi
(unit-linked, self-managed contract)
•
Antarius Avenir(65)
(unit-linked, self-managed contract)
Antarius Duo
(steered management contract)
Antarius Horizon(65) / Antarius Horizon Premium(65)
(scalable management contract)
Antarius Donation
(prepare for the future of your children or grandchildren)
•
•
10.54 incl. taxes
20%
discount
free
Foreign securities outside Euroclear
- encashment of dividends and coupons
6.00% incl. taxes(61)
- repayment of securities
1.20% incl. taxes(61)
Allocation of non-listed securities to a PEA (equity
savings plan) or PEA PME (equity savings plan for SMEs)
- administrative charges
240.00 incl. taxes
Transfers of securities
- within Crédit du Nord Group
free
- outside Crédit du Nord Group
• c ommission proportional to the amount of capital
0.15% incl. taxes
• fixed commission per line
16
= 3.00%
20.00
•
• securities on deposit in other countries
SICAV and mutual funds
An innovative range of SICAV and mutual funds,
from the most diversified to the most specialised
- Monetary
GER membership fees(63)
Antarius Sélection
(multi-vehicle policy with open management)
•
• securities on deposit in other countries
• registered securities
• fixed charges transfer of a PEA/PEA-PME
Entry fees
Antarius PERP
•
• securities on deposit in France, Belgium, or the Netherlands 4.02 incl. taxes
SICAV shares and mutual fund units distributed by the Bank
Consult
your Adviser
LIFE INSURANCE AND CAPITALISATION
55.80 incl. taxes
19.20 incl. taxes
64.80 incl. taxes
•
Entry fee
= 3.00%
Fixed-rate commission per eligible Life Insurance policy
or Capitalisation Contract
- For assets under management of EUR 100,000 or less(66)
- For assets under management of more than EUR 100,000(66)
•
20.00 incl.
taxes/month
32.00 incl.
taxes/month
20%
norplus premier benefit
discount
Fee for arbitrage of investment vehicles as part of
Gestion Initiale
included
STATEMENTS
•
Investment account statement
- annual delivery
42.00/year
- biannual delivery
48.00/year
- quarterly delivery
62.00/year
20%
norplus benefit
•
Entry fee
(62)
=
None
Entry fees
for
contributions
< EUR 37,500
= 3.90%,
≥ EUR 37,500
= 3.50%
Entry fee
= 3.90%
GESTION INITIALE
• securities on deposit in France, Belgium, or the Netherlands 14.40 incl. taxes
•
0.25 to 2%
- Multi-management
- up to EUR 7,500(54)
norplus benefit
•
•
€
- Bonds
•
discount
Securities portfolio statement
- annual delivery
free
- delivery upon request
13.00
+ postal charges(2)
Capital gain or loss statement (annual)
17
free
insurance and
providence schemes
•
•
Insurance fee for loss or theft of means of payment
(Sécurité Bleue)
- single person form
- second person form
included
Legal Protection, a solution for your disputes
71.00/year
20%
discount
Sécurité 12(67), insuring your income in the event
of accidental death
- option A
- option A+
norplus benefit
•
•
291.00/year
33.00/year
63.00/year
20%
discount
Assurance des Accidents de la Vie (Personal Injury Insurance)(70)
to cope with the lasting consequences of personal accidents
Antarius Protection(71), all-causes death insurance
Antarius Dépendance(72), insurance to cope with loss of autonomy
Consult
your Adviser
Capital Obsèques (Funeral Benefit)(73), insurance
to pay for funeral costs
Home Insurance
Auto Insurance
Consult
your Adviser
inheritance
•
37.00/year
54.50/year
20%
discount
- option B(68)
Sécurité Épargne(69), insuring your saving in the event
of accidental death
- option 1
- option 2
norplus benefit
•
•
•
•
•
•
35.60/year
33.60/year
norplus benefit
norplus benefit
•
€
Fees charged when closing an estate succession file
(maximum EUR 750.00)(74)
€
85.00
- assets up to EUR 3,000
+ 0.50% of assets
- assets > EUR 3,000 and up to EUR 15,000
+ 0.50% of assets
- assets > EUR 15,000 and up to EUR 45,000
+ 0.50% of assets
- assets over EUR 45,000
+ 0.50% of assets
155.00
205.00
405.00
0.22%
Annual maturity cost
of assets
resolving a dispute
Your Adviser is your dedicated contact person to answer any questions you may have about your
account management and provide the right solutions. He is also available to provide you with the
current terms and conditions of your bank account agreement at any time.
However, if you experience continued difficulties in your banking relations, you may contact our
Consumer Service Department by writing to Service Consommateurs - 59, Boulevard Haussmann,
75008 Paris. Lastly, if the dispute cannot be resolved, and in accordance with the mediation charter
of Crédit du Nord Group, you may refer the matter to our Mediator at no charge:
- b y filing an electronic request on the Mediator’s website:
www.mediateur.groupe-credit-du-nord.com
- b y sending a letter to the following address: Le Médiateur du Groupe Crédit du Nord Monsieur Yves Gérard - 59 Bd Haussmann, 75008 Paris.
18
(1) Reserved for customers falling within the remit of Articles L. 312-1 and D. 312-5 of the French monetary and financial code.
(2) For paper notices, according to the tariffs of La Poste at 01/01/2016. In France: EUR 0.70 incl. tax at slow rate and EUR 0.80 incl. tax
at fast rate up to 20 gr.
(3) If subscribed to the online service.
(4) Excluding Livret A, LEP, PEP, Livret Jeune, PEL, and CEL. The total amount of fees and commissions of any kind deducted annually
per account may not exceed EUR 30. For PEA, PEA-PME, and financial securities accounts, the fees and commissions deducted
annually per account may not be greater than the fees and commissions that would have been deducted if the account had not been
considered inactive within the meaning of Article L 312-19 of the French monetary and financial code.
(5) From EUR 240.00 incl. tax for non-customers of one of the Banks within Crédit du Nord Group.
(6) Of the amount of the transaction.
(7) Excluding connection charges.
(8) The six account alerts include messages informing customers of the availability of their means of payment.
(9) Standard Euro transfer to the SEPA zone(23), without limit of amount, in shared fees, with mandatory use of the IBAN(22). Given that
Switzerland and San Marino are not part of the EEA(20), SEPA transfers to or from those countries are subject to the “Non-EEA SEPA
transfer(20)” tariffs.
(10)Within the limit of the standard daily maximum (EUR 2,400) including for transfers to Switzerland and San Marino. For any transfer
above that amount, consult your Adviser.
(11) For any calls regarding the management of your contracts or claims, please contact your branch (price of a local call).
(12) Deferred debit: second-to-last business day of the month.
(13) Excluding cost of the card and the associated credit.
(14)The 1st year: 50% discount for any subscription to a Green Card or Gold Card from American Express or free with the Green Card for
holders of Norplus Premier.
(15) ATM: Automated Teller Machine.
(16) Additional withdrawal: EUR 1.
(17) Pursuant to Article L. 133-26 of the French monetary and financial code.
(18) EUR 5.64 incl. taxes on 01/01/2016 for sending with remit against signature.
(19) Via a voice server (Service EUR 0.40/min + price of a call).
(20)The European Economic Area (EEA) consists of the 28 member countries of the European Union (Austria, Belgium, Bulgaria, Croatia,
Cyprus (Greek part), Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania,
Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and the United Kingdom) plus
Iceland, Liechtenstein, and Norway. Note: Switzerland and San Marino are part of SEPA zone(23) but are not part of the EEA.
(21) In France only.
(22) International Bank Account Number.
(23) SEPA (Single Euro Payments Area) featuring the 31 member countries of the EEA(20), Switzerland, San Marino, and Monaco.
(24)For any transaction in a foreign currency requiring exchange, provide for a potential exchange commission: consult your Adviser.
(25) Excluding any fixed correspondent fees. If these non-SEPA transfers are made with the choice “all costs to us”, this must include:
- flat charge of EUR 29.00 excl. tax on non-SEPA transfers ≤ EUR 100,000,
- flat charge of 0.10% excl. tax on non-SEPA transfers > EUR 100,000.
(26) Since February 1, 2016, the TIP (interbank payment order) may be replaced at the issuer’s option with the TIPSEPA, subject to the
rules on the SEPA direct debit.
(27) Charges in Euro debiting or crediting accounts open on the books of establishments located in the SEPA zone(23)
(28) SCI: SEPA Creditor Identifier designating a single given creditor.
(29) Cheque issued in a format not compliant with the usual standards of the profession. Pre-barred, non-negotiable forms issued by a
bank are customarily used.
(30) Euro and other currency for all countries excluding mainland France and the overseas departments and territories.
(31) D: day of processing of the transaction.
(32) 2 additional business days in the event of currency transfers.
(33) Subject to acceptance by the Bank.
(34) The Garantie Achat (Purchase Coverage) may be taken out separately with our partner SPB at the price of EUR 10 incl. taxes/year.
(35) Beyond 6 alerts, the charge is EUR 0.32 incl. tax per additional alert with a 20% discount through Norplus.
(36) Transactions are exempt as part of normal operation of the account.
(37) Except managed and advised accounts.
(38) Of a maximum volume of 500 dm3, with coverage limited to EUR 80,000.
(39) Only for holders of Norplus Premier.
(40) Of which EUR 0.05 incl. tax/month is paid to our partner CFC per member of Club Norplus and of which EUR 0.017 incl. taxes/month
is paid to our partner SPB per member for the Purchase Coverage.
(41) Of which EUR 1.29 excl. tax/month is subject to VAT.
(42) Of which EUR 1.57 excl. tax/month is subject to VAT.
(43) Content of the offer compliant with point III of Article R. 312-4-3 of the French monetary and financial code.
(44) This information does not imply any loan commitment on the part of the Bank.
(45) Of the amount of the Bank loan.
(46) Fichier des Incidents de Crédits aux Particuliers (national register of household credit repayment incidents).
(47) On a prorata temporis basis. Loans subject to Articles L. 312-1 et seq. of the French consumer code.
(48) Fee on the amount of the overdue unpaid amount.
(49) Loans subject to Articles L. 311-1 et seq. of the French consumer code.
(50) Of the guaranteed amount.
(51) Interest rate in force on 01/01/2016. These rates may be modified at any time at the initiative of the Public Authorities or the Bank.
(52) Before taxes and/or social security deductions.
(53) Rate corresponding to the regulatory minimum.
(54) Where appropriate, costs related to the financial transaction taxes in force may be added to these fees.
(55) These rates apply on top of the usual brokerage fees.
(56) The rate is fixed regardless of the duration of the cash flow advance. It may be revised on a monthly basis according to market
conditions.
(57) May only be carried out at your branch.
(58) Financial transaction taxes apply on certain purchases of shares or equivalent company capital securities, depending
on their nationality and their stock market capitalisation. For further information, please contact your Adviser.
(59) May only be carried out at a branch or with Étoile Direct Bourse.
(60) Calculated on the counter-value in euros of the gross trade.
(61) Commission capped at EUR 120.00 incl. tax per transaction.
(62) Entry fees applied to the liquid value.
(63) GER: Groupement d’Épargne Retraite (retirement savings group), tariff on 01/12/2015.
(64) On the transfer value.
(65) This product is no longer available. These fees apply only to running contracts.
(66) EUR 200,000 for Gestion Initiale mandates signed before 01/05/2016.
(67) Membership reserved for individuals from 18 to 64 years of age.
(68) This product is no longer available. Tariff valid for running contracts only.
(69) Membership reserved for individuals from 18 to 69 years of age.
(70) Membership reserved for individuals from 18 to 75 years of age.
(71) Tariff depending on age and guaranteed capital. Membership reserved for individuals from 18 to 65 years of age.
(72) Subscription reserved for individuals from 50 to 75 years of age.
(73) Tariff depending on age at subscription and guaranteed capital. Subscription reserved for individuals from 55 to 79 years of age.
(74) The tariffs detailed below are specific to the succession file. Tariffs remain unchanged for all other banking operations.
19