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Commercial Clients - II. Non-cash Payments

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A.  Domestic Payments in CZK

Note: This is a historical version of the List of Tariffs and Fees of ?eská spo?itelna valid from 20.10.2008 to 31.03.2009. Currently valid versions of the List are available at another part of our web.

A.1.  Payments through Current Accounts

ItemTextPrice (CZK)
1.1. Incoming Payments
1.1.1.incoming payments from other banks free of charge
1.1.2.payment processed on the basis of collection order free of charge
1.2. Outgoing Payments
1.2.1. electronically generated 2
1.2.2. via collection box or in case an over-limit payment order *) is collected at the bank’s counter 8
1.2.3. collected at the bank’s counter 45
1.2.4. using other than by Česká spořitelna, a.s. standardized payment order **) 75
1.2.5. processed on the basis of standing order, collection permition 2
1.2.6. by card at stores free of charge
1.2.7. payment in currency other than the account currency 50
1.2.8. payment paid out in cash via Česká pošta, s.p. 8 + post charge
*) Over-limit payment order -payment order for a payment volume higher than CZK 499,999.99 (in case of mass payment order the total amount is concerned)

**) Using other than by Česká spořitelna, a.s. standardized payment orders possible if agreed by bank.
Česká spořitelna,a.s. standardized payment orders:

  • Standardized payment order forms of Česká spořitelna, a.s.
  • Payment orders on forms recommended by ČNB
  • Payment orders on the back side of postal order

A.2. Payments made through Collection Accounts*) ( for collection accounts opened after January 1st, 2003)

ItemTextPrice (CZK)
2.1. Per each item on the payment media / electronic file credited to accounts maintained
2.1.1. in Česká spořitelna, a.s. 2
2.1.2. in other banks 4
2.2. Per each debit item on the payment media / electronic file, including unsettled payment items, made to and from accounts maintained
2.2.1.in Česká spořitelna, a.s.2,50
2.2.2. in other banks 4,50
*) Collection accounts – accounts maintained under the Contract on Delivery of Payment Data on Compatible Media / Electronic File

A.3.  Other Items

ItemTextPrice (CZK)
3.1. Advice of non-executed payments sent to a client 10 for item + post charge
3.2. Payment confirmation
If a non-financial service is provided 19% VAT is payable.
100
3.3. Standing order, collection order, collection permit set-up
3.3.1. via BUSINESS 24 Internetbanking free of charge
3.3.2. other method 50
3.4. Standing order, collection order, collection permit change or cancellation
3.4.1. via BUSINESS 24 Internetbanking free of charge
3.4.2. other method 50
3.5. Express payment 200
3.6. Collection order 2
3.7. Credit processing charge 2
3.8. Debit processing charge 4
3.9. Sending confirmation of transaction acceptance or sending transaction history overview to BUSINESS 24 clients
3.9.1. via e-mail free of charge
3.9.2. via fax 10
3.10. Sending credit advice to BUSINESS 24 clients
3.10.1. via e-mail free of charge
3.10.2. via fax 10

B.  Foreign Payments

B.1.  Incoming Payments

ItemTextPrice (CZK)
1.1. Incoming payment within Česká spořitelna, a.s. free of charge
1.2. Incoming payment / SEPA Credit Transfer 1) from Slovenská sporiteľňa, a.s. to Česká spořitelna, a.s. client’s account free of charge
1.3. Incoming cross- border payment 2) / SEPA Credit Transfer up to 50,000 EUR 1) for Česká spořitelna, a.s. client’s account 100
1.4. Incoming payment in EUR / SEPA Credit Transfer 1) from clients of Erste Bank Group member banks in Austria (Erste Bank & Sparkassen Vienna, Salzburger Sparkasse and Tiroler Sparkasse, Sparkasse Hainburg-Bruck-Neusiedl, Die Zweite Wiener Vereinssparkasse) , Croatia, Hungary, Romania and Serbia  to Česká spořitelna, a.s. client’s account 100
1.5. Incoming payment from abroad in CZK or foreign currency and from domestic banks in foreign currency with BEN, SHA 3) disposal / SEPA Credit Transfer over 50,000 EUR 1)
Note:
Payment with SHA disposal may be reduced by possible fees of the intermediary bank.
1.5.1. to Česká spořitelna, a.s. client’s account 1%, min. 100, max. 950
1.5.2. to be drawn in cash (except for SEPA Credit Transfer 1) )

1%, min. 400, max. 2,000

1.6. Incoming payment from abroad in CZK or foreign currency and from domestic banks in foreign currency with OUR 3) disposal fees of Česká spořitelna, a.s. paid by payee

B.2.  Outgoing Payments

ItemTextPrice (CZK)
2.1. Foreign currency payments within Česká spořitelna, a.s.

50 + surcharge according to 3.9.

2.2. Payment / SEPA Debit Transfer 1) to an account of Slovenská sporiteľňa, a.s. client
Note:
The payment order with BIC of the beneficiary’s bank (GIBASKBX).

50 + surcharge according to 3.9.

2.3. Cross- border payment 2) / SEPA Debit Transfer up to 50,000 EUR 1)

220 + surcharge according to 3.9.

2.4. Payment in EUR / SEPA Debit Transfer 1) to an account of Erste Bank Group member’s client  in Austria, Croatia, Hungary, Romania and Serbia and Montenegro
Note:
The payment order with the BIC of the beneficiary’s bank:
  • Erste Bank & Sparkassen Vienna (GIBAATWW),
  • Erste & Steiermärkische Bank Croatia (ESBCHR22),
  • Sparkasse Hainburg-Bruck-Neusiedl (SPHBAT21XXX),
  • Die Zweite Wiener Vereinsparkasse (GIBAAT21XXX),
  • Erste Bank Hungary (GIBAHUHB),
  • Banca Comerciala Romana (RNCBROBU),
  • Erste Bank Novi Sad ( GIBARS22XXX ),
  • Salzburger Sparkasse (SBGSAT2SXXX),
  • Tiroler Sparkasse (SPIHAT22XXX)
2.4.1. cross - border payment / SEPA Debit Transfer up to 50,000 EUR 1) according to 2.3.
2.4.2. other payments / SEPA Debit Transfer over 50,000 EUR 1)

350 + surcharge according to 3.9.

2.5. Payments to abroad in CZK or foreign currency and to domestic banks in foreign currency
2.5.1. OUR 3) disposal
Note:
If OUR disposal payment is ordered, the beneficiary’s bank fees are additionally charged on behalf of the payee’s account.

1%, min. 220, max. 1,900 + surcharge according to 3.9.

2.5.2. SHA 3) disposal / SEPA Debit Transfer over 50,000 EUR 1)
Note:
With respect to foreign bank’s charges, in case of payment orders of small amounts the eventually foreign bank’s fees can be charged even if SHA disposal is given.

1%, min. 220, max. 1,900 + surcharge according to 3.9.

2.5.3. BEN 3) disposal
Note:
The minimum payment amount with BEN disposal is CZK 2,000.
1%, minimum 220, maximum 1,900 + surcharge according to 3.9. ( Fees of Česká spořitelna, a.s. paid by beneficiary)
2.6. Cash payment 1%, min. 400, max. 2,000
1) SEPA Transfer: SEPA Credit Transfer: transfer in EUR executed within Single Euro Payment Area (SEPA) in favour of a beneficiary from EU country or other European Economic Area member country in accordance with unified payment standards and rules.  SEPA Credit Transfer can be effected only in case a beneficiary bank is SEPA compliant. It always contains IBAN of beneficiary account, beneficiary bank BIC (payer / beneficiary is paying charges of his bank - charging option SHA).
2) Cross- border payment : according to Directive of the European Parliament and of the Council No 2560/2001- payment to EU and EEA in EUR, up to EUR 50,000, with SHA disposal, with IBAN-format of the beneficiary’s account number and BIC number of the beneficiary’s bank, without any specific orders.

3) Disposals:
OUR
disposal - all bank expenses paid by payee
(The payee carries all expenses, i.e. expenses of Česká spořitelna, a.s. and all expenses of foreign banks, which are charged additionally.)

BEN disposal - all bank expenses paid by beneficiary
(All expenses, i.e. expenses of both Česká spořitelna, a.s. and foreign bank are carried by the beneficiary. The amount paid abroad is reduced by charges of Česká spořitelna, a.s. client.)

SHA disposal – expenses of foreign bank paid by beneficiary
(The payee carries the expenses of Česká spořitelna, a.s. and the beneficiary pays the expenses of foreign banks.)

Česká spořitelna, a.s. has the right to charge the additional fee paid by Česká spořitelna, a.s. to the beneficiary’s bank due to the manual processing of payment with incorrect account number, missing IBAN-format of account number or BIC number.

B.3.  Other Items

ItemTextPrice (CZK)
3.1. Urgent incoming payment agreed by Česká spořitelna, a.s. (except for PRIEURO payments 4) , there is no surcharge applied) surcharge of 500 for 1 day
3.2. Query on advised payment at client’s request 200 + foreign bank charges + telecom. fees
3.3. Foreign payment confirmation at client’s request
If a non-financial service is provided 19% VAT is payable.
250 + telecom. fees
3.4. Permit, change or cancellation of standing order 200
3.5. Cancellation or return of incomplete payment order or in case of insufficient funds 300 + foreign bank charges + telecom. fees
3.6. Instruction for change, cancellation or complaint of executed payment order at the client’s request 500 + foreign bank charges
3.7. Urgent and express outgoing payment surcharge of 500 for 1 day
3.8. PRIEURO payment 4)
3.8.1. incoming payment according to 1.2. – 1.5.
3.8.2. outgoing payment according to 2.2. – 2.5. + surcharge according to 3.7. + surcharge 500
3.9. Surcharge for payment order delivered on a paper form 200
3.10. Credit processing charge 2
3.11. Debit processing charge 4
3.12. Sending confirmation of transaction acceptance or sending transaction history overview to BUSINESS 24 clients
3.12.1. via e-mail free of charge
3.12.2. via fax 10
3.13. Sending credit advice to BUSINESS 24 clients
3.13.1. via e-mail free of charge
3.13.2. via fax 10

4) PRIEURO payment: Payment in EUR to/from banks accepting payments under PRIEURO scheme. PRIEURO payment is effected from payer account to beneficiary account within four hours after the receipt of a payment order from payer by his bank (effective from 18th of February 2008).

If services, which are subject to VAT, are provided to persons registered for VAT in another member state or to foreigners liable to taxation, the tax liability (place of performance) lies outside the country and the fee therefore is not subject to VAT.

Note: This is a historical version of the List of Tariffs and Fees of ?eská spo?itelna valid from 20.10.2008 to 31.03.2009. Currently valid versions of the List are available at another part of our web.

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