Schedule of Charges - Habib Bank Zurich plc

Habib Bank Zurich plc

Schedule of Charges - HBZ Priority

Category	Charges
Minimum Balance Charges	No Charges
Transaction Charges (Conventional & Sirat)	No Charges
Safety Deposit Locker Charges (Conventional and Sirat)	No charge except for Deposit fee of £200 and Locker Breakage fee £300 (All locker charges are plus VAT) * HBZ Priority clients are entitled to one locker at free cost; any additional lockers will incur regular fees.*
Account Opening Charges	No Charges
Late Payment Fee	No Charges
Statement of Account	No Charges
Correspondence / Administration Charges (Conventional, Sirat)	No Charges
Debit Card (Conventional/Sirat)	International Debit Card (Instore) – 2.5% transaction (nc) Cash withdrawal in Foreign Currency – 2.5% transaction (previous 2.5% transaction fee + £2.00 cash fee)
Payments into your Account	No charges except charges on cash paid into your account
Payments from your Account	No charges except for CHAPS – £15
Cash paid in/out of your Account	Personal / Business / Conventional / Islamic: Cash paid in / out of your account: £0.50 per £100 withdrawn (if the average balance in your account is less than £500)
Banker’s Draft	No Charges
Borrowings	Unauthorised Temporary Overdrafts – Charges removed due to Overdraft Rule (Interest @ Base + 12%) Unarranged Overdrafts Arrange Overdraft Unarranged Overdraft
Unpaid Items	Cheques, Direct Debits and Standing orders due to lack of funds: £25.00 per item (nc) Stopped Cheque (your instruction to us not to pay a cheque issued by yourself): £20.00 per cheque (nc) Cheques returned by us (cheques return due to any reason apart from above): £10.00 per cheque (nc) Cheques returned to us (unpaid by another bank): £10.00 per cheque (nc)
GSM Fees	No Charges