Standard FX Margins for using Auto FX convert for foreign payment transactions and security transactions.

EUR/AED	0.0125	EUR/PHP	0.45
EUR/AUD	0.005	EUR/PLN	0.02
EUR/BGN	0.006	EUR/QAR	0.035
EUR/CAD	0.004	EUR/RON	0.025
EUR/CHF	0.003	EUR/RUB	0.4
EUR/CNH	0.035	EUR/SAR	0.0125
EUR/CZK	0.12	EUR/SEK	0.03
EUR/DKK	0.02	EUR/SGD	0.007
EUR/GBP	0.0025	EUR/THB	0.30
EUR/HKD	0.025	EUR/TRY	0.15
EUR/HRK	0.06	EUR/USD	0.003
EUR/HUF	1.6	EUR/ZAR	0.08
EUR/IDR	125
EUR/ILS	0.02
EUR/INR	0.35
EUR/JPY	0.5
EUR/MXN	0.085
EUR/MYR	0.035
EUR/NOK	0.035
EUR/NZD	0.0055
EUR/PEN	0.032

Interest rate for agreed overdrafts on private accounts

Marginal lending facility (currently 4,50 per cent) + 4.55 per cent = 9,05 per cent

Interest rate for overdrafts on private accounts not agreed to, but tolerated by the bank

(tolerated overdraft)*
Marginal lending facility (currently 4,50 per cent) + 7.55 per cent = 12,05 per cent

*Tolerated overdraft is the overdrawing of the current account temporarily tolerated by the bank without an agreed drawing line or beyond the agreed personal credit line.

The following fees apply for cash withdrawals and for the usage of MasterCard and/or girocard for payments at a Point of Sale. With regard to the Cross Border Payments Regulation you can also find the percentage mark-up over the latest available euro foreign exchange reference rates issued by the European Central Bank.

Our List of Prices and Services including all fees for cards (e.g. annual fee) can be provided to you on request.

Fees for cash withdrawals

Cash withdrawals with a payment card at other Bank’s counter

At the counter
Withdrawals using	of Payments service providers in the EEA		of Payments service providers outside the EEA
	in euros	in other currencies	in euros	in other currencies
Debit card girocard	€ 14.50 max.	n/a	n/a	n/a
Maestro* (Co-Brand of girocard)	2% € 3.00 min. € 5.00 max.	2% € 5.00 min. € 7.00 max.	2% € 5.00 min. € 7.00 max.	2% € 5.00 min. € 7.00 max.
Credit card MasterCard*	3 % € 5.00 min.	3% € 5.00 min. Plus 1% currency conversion charge	3% € 5.00 min. Plus 1% charge for cross border use	3% € 5.00 min. Plus 1% currency conversion charge

Cash withdrawals with a payment card at another Bank’s ATM

	of Payments service providers in the EEA				of Payments service providers outside the EEA
Withdrawals using	in euros		in other currencies		in euros		in other currencies
	If the payments service provider operating the ATM charges a direct customer fee, we will charge an additional	If the payments service provider operating the ATM does not charge a direct customer fee	If the payments service provider operating the ATM charges a direct customer fee, we will charge an additional	If the payments service provider operating the ATM does not charge a direct customer fee	If the payments service provider operating the ATM charges a direct customer fee, we will charge an additional	If the payments service provider operating the ATM does not charge a direct customer fee	If the payments service provider operating the ATM charges a direct customer fee, we will charge an additional	If the payments service provider operating the ATM does not charge a direct customer fee
Debit card girocard	€ 0.00	€ 14.50 max.	n/a	n/a	n/a	n/a	n/a	n/a
Debit card Maestro* (Co-Brand of girocard)	€ 0.00	2% € 3.00 min. € 5.00 max.	€ 0.00	2% € 5.00 min. € 7.00 max	€ 0.00	2% € 5.00 min. € 7.00 max	€ 0.00	2% € 5.00 min. € 7.00 max
Credit card MasterCard	2%, € 5.00 min.	2%, € 5.00 min.	2% € 5.00 min. Plus 1% currency conversion charge	2% € 5.00 min. Plus 1% currency conversion charge	2% € 5.00 min. Plus 1% charge for cross-border use	2% € 5.00 min. Plus 1% charge for cross-border use	2% € 5.00 min. Plus 1% currency conversion charge	2% € 5.00 min. Plus 1% currency conversion charge

Charges

MasterCard (Credit card)

Use of the MasterCard for payments at a Point of Sale

in euro within the EEA	Free
in foreign currency within the EEA*	1% currency conversion charge
outside the EEA*	1% currency conversion charge

girocard (debit card)

Use of the girocard card for payments at a Point of Sale

in euro within the EEA	Free
in foreign currency within the EEA*	1% of the transaction volume € 1.00 min. and € 5.00 max.
outside the EEA*	1% of the transaction volume € 1.00 min. and € 5.00 max.

EEA countries:

The current EEA countries include the EU Member States Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland (including Aland Islands), France (including French-Guyana, Guadeloupe, Martinique, Mayotte, Réunion, Saint Barthelmy, Saint Martin (french part)), Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal (including Azores and Madeira), Romania, Slovakia, Slovenia, Spain (including Canary Islands), Sweden and the United Kingdom of Great Britain and Northern Ireland (including Gibraltar) and the countries Iceland, Liechtenstein and Norway.