04February, 10:33
TKB
Trast.Net Cyprus




Account
opening
Private
Banking
Financial
Concierge
Service
Payment
operations
Deposits
Payment
Cards
Loans
Real
Estate
Projects
Residence
Permit
in
Latvia
Leasing
Trust
services
Financial
instruments
Mortgage
Bonds
Forex
Precious
Metal
Account
Individual
Safes
Art
Banking
Remote
Access
Tools











Pricelist Send Print
Account opening and maintenance
Cash Operations
Escrow account
Payment operations
Loans
Payment cards
Trust operations
Financial instruments
Precious metal account opening and maintenance
Safe Deposit Box Rental
Art Banking (consultations and transactions regarding artworks)
Remote access services

Deposit Rates

Consolidated Service Price List

ACCOUNT OPENING AND MAINTENANCE
1.  Processing of documents, multicurrency Current account opening 1 
20.00 USD
2.  Statement from the LURSOFT data base
3.00 LVL
3.  Currency account maintenance
free of charge
4.  Currency exchange 2 
at the Bank’s rate
5.  Cheque-book issue (15 cheques)
2.00 LVL
6.  Electronic Code Card for PIN and testkeys 3 
  „Classic” or „Mobile” Code Card (at Client’s choice)
50.00 USD
  „Extra” Code Card
60.00 USD
7.  Unblocking of electronic Code Card
5.00 LVL
8.  Interest for account balance of residents 4 
  over 500,00 LVL
0,25% per year
  over 1 000,00 USD, 10 000,00 EUR
0,25% per year
9.  Account statement (according to the agreement)
free of charge
10.  Additional copies of account statement
0,10 LVL per sheet
11.  Account balance confirmation, information to auditors on Client’s request
50.00 USD
12.  Closing of an account based on Client’s application
free of charge
13.  Commission for dormant account 5  - - if the account balance is
  5,00 LVL or less 6 
at the rate of account balance 7 
14.  Copy of Telex, SWIFT statement or outgoing payment order
1.00 LVL
15.  Replacement of signature sample card
3.00 LVL
16.  Bank reference about the account and its balance
20.00 USD
17.  Other references, Bank recommendations
50.00 USD
18.  Issuance of documents from archive (per document copy)
  for period up to 1 month
free of charge
  for period from 1 month to 1 year
3.00 LVL
  for period over 1 year
5.00 LVL
19.  Photocopies of documents (per sheet) 8 
0.10 LVL
20.  Power of Attorney for Customers
3.00 LVL
21.  Fax transmission 8 
2.50 LVL
22.  Mailing of documents
according to the actual costs
23.  JSC "Trasta komercbanka" Annual Report 8 
2.50 LVL
1 In case the Bank refuses to open an account, the fee shall not be refunded.
2 Minimum amount of conversion - 1000.00 EUR or equivalent in other currency.
3 Validity term of the Code card issued by the Bank is 2 years.
4 Interest is calculated on daily account balance and transferred to the account once a month. Interest calculated on non-resident account balance is established based on mutual agreement of parties and signature of additional covenant to the account opening and maintenance agreement . In case no additional covenant is made between the Parties, the Bank shall pay no interest on non-resident account balances.
5 Dormant account – an account in which there have been no transactions for a year or longer.
6 Or an equivalent in other currency
7 After consolidation of all account balances of the Client.
8 Including VAT 22%.
CASH OPERATIONS
Cash operations in lats (LVL)
1.  Cash deposits
  Client’s own account
free of charge
  other client’s account 1 
0.30 LVL
2.  Cash withdrawals 2 
  up to 1 000,00 LVL per day
free of charge
  for individuals from 1 000,01 LVL to 10, 000,00 LVL
0.3%
  for individuals over 10 000,00 LVL
0.5%
  for companies over 1 000,00 LVL
1%
3.  Acceptance and withdrawals of coins if the number of coins exceeds 100 units per day
1% (min 2,00 LVL)
4.  Cash exchange changing the nominal
1% of the total amount
5.  Cash delivery on advance order
according to the actual costs
Cash operations in foreign currencies
1.  Acceptance of cash
  Client’s own account USD, EUR currencies
free of charge
  other client’ account in USD, EUR currencies 1 
0,30 LVL
  in other currencies
1%
2.  Cash withdrawals 3 
  up to 10 000,00 USD
0.4%
  over 10 000,01 USD
0.25%
  EUR
0.4%
  Other currencies 4 
0.75%
3.  Cash delivery
information in the Bank
4.  Acceptance of spoiled and old banknotes
4%
5.  Money nominal value exchange
1% of the total amount
6.  Currency exchange in cash
free of charge
Cheque Operations
1.  Acceptance of cheques for collection
  cheques issued in the Euro zone for less than 100,00 EUR
15.00 EUR
  other cheques
information in the Bank
  commission for a submitted but not collected cheque
5% (min. 100,00 USD)
Operations with bills
1.  Operations with bills
2.00 LVL
1 Commission is not applied if the purpose of payment is depositing.
2 The amounts up to 10 000,00 LVL can be withdrawn without prior notice. For amounts over 10 000,00 LVL the Bank has to be notified one day in advance before 2.00. p.m. Cash orders are accepted only if the amount requested is available on the Client`s account. For cash withdrawals without prior notice the Bank charges an extra fee of 0, 2% from amount. If the requested amount exceeds 10 000, 00 LVL and it has not been withdrawn on the specified day, but on the day when the notice is given, it is not withdrawn, fulfilment of the request is allowed to be postponed to the next banking day, but if on the next banking day the requested amount is not withdrawn, the Bank retains from the Client a commission as for an executed operation.
3 The amounts up to 20 000, 00 USD or 10 000, 00 EUR per day can be withdrawn without prior notice. For amounts over 20 000,00 USD or 10 000,00 EUR per day the Bank has to be notified one day in advance before 1.00 p.m. For other currencies the Bank has to be notified 2 days in advance. For cash withdrawals without a prior notice Bank charges extra fee of 1% from the amount. Cash orders are accepted only if the amount requested is available in the Client`s account. If the sum over 20 000, 00 USD or 10 000, 00 EUR has not been withdrawn on the next banking day, the Bank charges a commission as for an executed operation. For payments in currency the Bank applies banknotes up to the smallest denomination available in the till. The remaining amount is converted in Lati at the rate of the Bank.
4 For operations notified in advance.
ESCROW ACCOUNT
1.  Conclusion of standard escrow agreement 1  2 
60.00 LVL
2.  Conclusion of non-standard escrow agreement  2 
by agreement (min.60,00 LVL)
3.  Escrow account opening, maintenance
free of charge
4.  Amendments to escrow agreement
30.00 LVL
1 A standard escrow agreement – a form agreement drafted by JSC “Trasta komercbanka”.
2 The fee is paid by purchaser or seller by mutual agreement.
PAYMENT OPERATIONS
LVL Acceptance time  1 
electronically in branch SHA  3 
1.  Crediting of funds to the account 5 
- - free of charge
2.  Transfer between a Client’s own Сurrent accounts (payment execution date - T)  6 
  up to 9 999.99 LVL
23:00 17:00 free of charge
  from 10 000.00 LVL
17:30 17:00 free of charge
3.  Transfer to other client’s account with Trasta komercbanka; (int. al branches) (payment execution date– T)
  up to 9 999.99 LVL
23:00 17:00 free of charge
  from 10 000.00 LVL
17:30 17:00 free of charge
4.  Transfer to another bank in Latvia
  Standard (payment execution date – T) 7 
  up to 49 999.99 LVL
13:30 13:30 0.35 LVL
  from 50 000 LVL
13:30 13:00 1.50 LVL
  Standard, without opening an account (payment execution date – T; maximum amount 1000 LVL)
- 13:00 0,5% (min.0.50 LVL)
  Express (bank executes within an hour after payment acceptance, payment execution date – T)
15:00 15:00 5 LVL
5.  Transfer to other bank abroad
  Standard (payment execution date – T+ 1)
17:30 17:00 5 LVL
  Express (payment execution date – T)
15:00 15:00 10 LVL
6.  Supplement, cancellation, investigation of a payment order  8 
- - 5 LVL
7.  Processing of payment orders on client’s request (if more than 3 copies)
- - 0.50 LVL
EUR Acceptance time  1 
electronically in branch OUR  2 SHA  3 
1.  Crediting of funds to the account 5 
- - free of chargefree of charge
2.  Transfer between a Client’s own Сurrent accounts (payment execution date - T) 6 
  up to 9 999.99 LVL (equivalent EUR)
23:00 17:00 free of chargefree of charge
  from 10 000.00 LVL (equivalent EUR)
17:30 17:00 free of chargefree of charge
3.  Transfer to other Client’s Current account with Trasta komercbanka (int. al branches) (payment execution date – T)
  up to 9 999.99 LVL (equivalent EUR)
23:00 17:00 10 EUR10 EUR
  from 10 000.00 LVL (equivalent EUR)
17:30 17:00 10 EUR10 EUR
4.  Transfer to a bank of another EEA country
  Standard (payment execution date - T+1)
  up to 50 000 EUR
17:30 17:00 40 EUR15 EUR
  from 50 000 EUR
17:30 17:00 40 EUR30 EUR
  Express (payment execution date – T)
  up to 50 000 EUR
15:00 15:00 70 EUR30 EUR
  from 50 000 EUR
15:00 15:00 70 EUR60 EUR
5.  Extra fee for not specified IBAN
- - 10 EUR10 EUR
6.  Transfer to a bank outside the EEA
  Standard (valpayment execution date – T+1)
17:30 17:00 40 EUR30 EUR
  Express (payment execution date – T)
15:00 15:00 70 EUR60 EUR
7.  Supplement, cancellation, investigation of a payment order 8 
- - 100 EUR100 EUR
8.  Processing of payment orders on client’s request (if more than 3 copies)
- - 5 EUR5 EUR
USD Acceptance time  1 
electronically in branch OUR  2 SHA  3 BEN  4 
1.  Crediting of funds to the account 5 
- - free of chargefree of chargefree of charge
2.  Urgent crediting of funds to the account
- - 0,1 % per day0,1 % per day0,1 % per day
3.  Transfer between a Client’s own Сurrent accounts (payment execution date - T)  6 
  up to 9 999.99 LVL (equivalent USD)
23:00 17:00 free of charge--
  from 10 000.00 LVL (equivalent USD)
17:30 17:00 free of charge--
4.  Transfer to other Client’s Current account with Trasta komercbanka (int. al branches) (payment execution date – T)
  up to 9 999.99 LVL (equivalent USD)
23:00 17:00 10 USD--
  from 10 000.00 LVL (equivalent USD)
17:30 17:00 10 USD--
5.  Transfer to other Client’s Current account with Trasta komercbanka (int. al branches) (payment execution date – T)
  up to 9 999.99 LVL (equivalent USD)
23:00 17:00 10 USD--
  from 10 000.00 LVL (equivalent USD)
17:30 17:00 10 USD--
6.  Transfer to another bank
  Standard (payment execution date – T+1)
17:30 17:00 40 USD20 USD20 USD
  Express (payment execution date – T)
15:00 15:00 70 USD50 USD50 USD
7.  Supplement, cancellation, investigation of a payment order 8 
- - 100 USD100 USD100 USD
8.  Processing of payment orders on client’s request (if more than 3 copies)
- - 5 USD5 USD5 USD
RUB, BYR, UAH, KZT Acceptance time  1 
electronically in branch OUR  2 
1.  Crediting of funds to the account 5 
- - free of charge
2.  Urgent crediting of funds to the account
- - 0,1 % /день
3.  Transfer between a Client’s own Сurrent accounts (payment execution date - T)  6 
  up to 9 999.99 LVL (equivalent in other currencies)
23:00 17:00 free of charge
  from 10 000.00 LVL (equivalent in other currencies)
17:30 17:00 free of charge
4.  Transfer to other client’s Current account with Trasta komercbanka (int. al branches) (payment execution date – T)
  up to 9 999.99 LVL (equivalent in other currencies)
23:00 17:00 10 EUR
  from 10 000.00 LVL (equivalent in other currencies)
17:30 17:00 10 EUR
5.  Transfer to another bank 9 
17:30 17:00 20 EUR
6.  Supplement, cancellation, investigation of a payment order 8 
- - 100 EUR
7.  Processing of payment orders on client’s request (if more than 3 copies)
- - 5 EUR
Other freely convertible currencies Acceptance time  1 
electronically in branch OUR  2 SHA  3 
1.  Crediting of funds to the account 5 
- - free of chargefree of charge
2.  Transfer between a Client’s own Current accounts (payment execution date – T)
  up to 9 999.99 LVL (equivalent in other currencies)
23:00 17:00 free of chargefree of charge
  from 10 000.00 LVL (equivalent in other currencies)
17:30 17:00 free of chargefree of charge
3.  Transfer to other client’s account with “Trasta komercbanka” (int.al. branches) (payment execution date – T)
  from 10 000.00 LVL (equivalent in other currencies)
17:30 17:00 10 EUR10 EUR
4.  Transfer to another bank
  Standard (payment execution date – T+2)
17:30 17:00 35 EUR25 EUR
  Express (payment execution date – T+ 1)
17:30 17:00 65 EUR55 EUR
5.  Supplement, cancellation, investigation of a payment order 8 
- - 100 EUR100 EUR
6.  Processing of payment orders on client’s request (if more than 3 copies)
- - 5 EUR5 EUR
Other EEA currencies (CHF, GBP,DKK,NOK,SEK,PLN,CZK,LTL) Acceptance time  1 
electronically in branch OUR  2 SHA  3 
1.  Crediting of funds to the account 5 
- - free of chargefree of charge
2.  Transfer between a Client’s own Current accounts(payment execution date – T)
  up to 9 999.99 LVL (equivalent in other currencies)
23:00 17:00 free of chargefree of charge
  from 10 000.00 LVL (equivalent in other currencies)
17:30 17:00 free of chargefree of charge
3.  Transfer to other client’s Current account with Trasta komercbanka (int. al branches) (payment execution date – T)
  up to 9 999.99 LVL (equivalent in other currencies)
23:00 17:00 10 EUR10 EUR
  from 10 000.00 LVL (equivalent in other currencies)
17:30 17:00 10 EUR10 EUR
4.  Transfer to other EEA bank
  Standard (payment execution date - T+2)
17:30 17:00 -25 EUR
  Express (payment execution date – T+1)
17:30 17:00 -55 EUR
5.  Transfer to another bank outside the EEA
  Standard (payment execution date - T+2)
17:30 17:00 35 EUR25 EUR
  Express (payment execution date – T+1)
17:30 17:00 65 EUR55 EUR
6.  Supplement, cancellation, investigation of a payment order 8 
- - 100 EUR100 EUR
7.  Processing of payment orders on client’s request (if more than 3 copies)
- - 5 EUR5 EUR
CNY Acceptance time  1 
electronically in branch OUR  2 SHA  3 BEN  4 
1.  Crediting of funds to the account 5 
- - free of chargefree of chargefree of charge
2.  Transfer to another bank (T+1)  6 
17:00 - 20 EUR--
3.  Supplement, cancellation, investigation of a payment order 8 
- - 50 EUR--
4.  Processing of payment orders on client’s request (if more than 3 copies)
- - 5 EUR--
XAU (gold) Acceptance time  1 
electronically in branch OUR  2 SHA  3 BEN  4 
1.  Crediting of funds to the account 5 
- - free of chargefree of chargefree of charge
2.  Transfer to another bank (T+2)  6 
17:00 - 50 EUR--
3.  Supplement, cancellation, investigation of a payment order 8 
- - 100 EUR--
4.  Processing of payment orders on client’s request (if more than 3 copies)
- - 5 EUR--
1 Time until which payments must be submitted to be executed on the submission day (on bank working days).
2 OUR for payments in EUR – beneficiary's account is credited for the full amount sent by the Client.. OUR for payments in other currencies - all fees are paid by sender (fees are debited from sender’s account). If the Bank has extra costs required by other banks involved in the transfer, such costs are directly debited from the Client’s current account.
3 SHA - beneficiary pays the required by its service provider commission fee for services, sender the commission fee required by its service provider.
4 BEN - All fees are paid by beneficiary. Intermediary banks charge their fees by deducting them from the transferred amount.
5 Credited to Client's account from “Trasta komercbanka” correspondent account on the same day the Bank receives credit advice.
6 Payment execution date – the day on which funds are transferred to the beneficiary bank or intermediary bank. T - payment order acceptance day ; 1, 2 – number of bank working days.
7 Fees for transfers via the Internetbank Trast.Net or Telephonebank are available in the section “Remote Access Services”.
8 In case “Trasta komercbanka’s” guilt is proved in the investigation process, the commission shall be refunded to the Client. “Trasta komercbanka” will cancel the payment only upon receipt of written confirmation and commission, after the Client has returned a copy of the payment order.
9 Payments in RUB, BYR, UAH, KZT are carried out as Standard payments with the value date: T+1. Please contact the Bank for carrying out the payments with the value date: T. The Client and the Bank shall agree upon the value date of UAH currency.
LOANS
1.  Consideration of loan application
  for individuals
20.00 LVL
  for individuals, on security of real estate
free of charge
2.  Commission charge for granting of loan
  for individuals, on security of real estate
1,5% of credit amount
  in other cases
according with Loan committee disposition
3.  Commission for amendments to loan agreements (as well as related agreements)
  in case of mortgage lending for individuals
1,5% of extra amount
  in other cases
according with Loan committee disposition
4.  4. Registration of documents with the Enterprise Register, when the the Bank tenders documents for registration
15.00 LVL
5.  Registration of documents in the Land Book, if the Bank tenders documents for registration
  in Riga
20.00 LVL
  in Jurmala
30.00 LVL
  outside of Riga or Jurmala
60.00 LVL
6.  Printout from the Land Book database on Client's request
2.00 LVL
7.  Credit account statement on Client's request
2.00 LVL
8.  Commission for overdraft when deposit is pledged
Client’s Deposit interest rate + 2%
PAYMENT CARDS
Maestro
1.  Card annual fee (base) 1 
12.00 LVL
2.  Supplementary card annual fee 1 
10.00 LVL
3.  Card monthly fee 1 
1.00 LVL
4.  Supplementary Card Monthly fee 1 
0.85 LVL
5.  Fee for Card insurance (per annum) 2 
25.00 EUR
6.  Card replacement fee (also in case of PIN renewal)
6.00 LVL
7.  Retail transaction fee
free of charge
8.  Cash withdrawal fee
  at “Trasta komercbanka” with card issued by TKB
LVL - 0.40 LVL
USD - 0,4% (min 1,00 USD)
EUR - 0,4% (min 1,00 EUR)
  at other banks
1,5% (min 3,00 LVL)
USD - 1.5% (min 5,50 USD)
EUR - 1,5% (min 5,50 EUR)
  ATM of SEB banka and Swedbank JSC in Latvia 3 
1% (min 0,75 LVL)
USD - 1% (min 1,50 USD)
EUR - 1% (min 1,50 EUR)
  ATM of other banks 3 
1,5% (min 2,00 LVL)
USD - 1,5% (min 3,00 USD)
EUR - 1,5% (min 3,00 EUR)
9.  Currency conversion fee
2.5%
10.  Authorized credit limit interest rate per annum 4 
16%
11.  Over the authorized credit limit fee (annual rate) 4 
60%
12.  Late overdraft repayment penalty 5 
6.00 LVL
13.  Interest profit for positive resident Card account balance over 500LVL/ 1000,00EUR/ 1000,00USD (annual interest) 6 
0.5/0.25/0.25%
14.  Termination of Agreement during the first year of its validity period
2.00 LVL
15.  Fee for consideration of unjustified claim
10.00 LVL
16.  Fee for SMS Info message 7 
0,06 LVL
17.  Other services
  urgent card processing during 8 bank’s working hours
25.00 LVL
  express payment into card's account
6.00 LVL
  monthly payment into card's account upon Client's authorization (per month)
3.00 LVL
  Monthly statement at the Bank or by e-mail
free of charge
  Monthly statement by mail or by fax
0.50 LVL
  Payment from Client's Card account to his/her Current account or other Card Account on Client's request
free of charge
18.  Card validity
24 months
19.  Cash advance at Trasta komercbanka with a card from another bank (MC, Maestro, VISA or VISA Electron)
without extra commission fees
Cirrus
1.  Card annual fee (base) 1 
12.00 LVL
2.  Card monthly fee 1 
1.00 LVL
3.  Card replacement fee (also in case of PIN renewal)
6.00 LVL
4.  Cash withdrawal fee
  ATM of SEB banka and Swedbank JSC in Latvia 3 
LVL - 1% (min 0,75 LVL)
USD - 1% (min.1,50 USD)
EUR - 1% (min 1,50 EUR)
  ATM of other banks 3 
2%
5.  Currency conversion fee
2.5%
6.  Charge for negative balance of Card account (annual rate) 4 
60%
7.  Credit interest for balance over 500LVL, 1000,00EUR, 1000,00USD (annual interest) 6 
0.5/0.25/0.25%
8.  Termination of Agreement during the first year of its validity period
2.00 LVL
9.  Fee for consideration of unjustified claim
10.00 LVL
10.  Fee for SMS Info message 7 
0,06 LVL
11.  Other services
  Urgent card processing during 8 bank’s working hours
25.00 LVL
  express payment into card's account
6.00 LVL
  monthly payment into card's account upon Client's authorization (per month)
3.00 LVL
  Monthly statement at the Bank or by e-mail
free of charge
  Monthly statement by mail or by fax
0.50 LVL
  ayment from Client's Card account to his/her Current account or other Card Account on Client's request
free of charge
12.  Card validity
24 months
13.  Cash advance at Trasta komercbanka with a card from another bank (MC, Maestro, VISA or VISA Electron)
without extra commission fees
MC Business
1.  Card annual fee (base) 1 
35.00 LVL
2.  Supplementary card annual fee 1 
30.00 LVL
3.  Card monthly fee 1 
3.00 LVL
4.  Supplementary Card Monthly fee 1 
3.00 LVL
5.  Fee to Card insurance (per annum) 2 
40.00 EUR
6.  Card replacement fee (also in case of PIN renewal)
6.00 LVL
7.  Minimal security deposit 8 
150.00 LVL
8.  Minimal security deposit for Cards with available credit limit
1:1,5
9.  Retail transaction fee
free of charge
10.  Cash withdrawal fee
  at “Trasta komercbanka” with card issued by TKB
LVL - 0.40 LVL
USD - 0,4% (min 1,00 USD)
EUR - 0,4% (min 1,00 EUR)
  at other banks
LVL - 1,5% (min 3,00 LVL)
USD - 1,5% (min 5,50 USD)
EUR - 1,5% (min 5,50 EUR)
  ATM of SEB banka and Swedbank JSC in Latvia 3 
LVL - 1% (min 0,90 LVL)
USD - 1% (min 2,00 USD)
EUR - 1% (min 2,00 EUR)
  ATM of other banks 3 
LVL - 1,5% (min 2,00 LVL)
USD - 1,5% (min 3,00 USD)
EUR - 1,5% (min 3,00 EUR)
11.  Currency conversion fee
2.5%
12.  Authorized credit limit interest rate per annum 4 
  for card with security deposit
16%
  for card without security deposit
24%
13.  Over the authorized credit limit fee (annual rate) 4 
60%
14.  Late overdraft repayment penalty 5 
6.00 LVL
15.  Credit interest for balance over 500LVL, 1000,00EUR, 1000,00USD (annual interest) 6 
0.5/0.25/0.25%
16.  Annual interest for security deposit
2%
17.  Termination of Agreement during the first year of its validity period
20.00 LVL
18.  Fee for consideration of unjustified claim
10.00 LVL
19.  Fee for SMS Info message 7 
0,06 LVL
20.  Other services
  urgent card processing during 8 bank’s working hours
25.00 LVL
  express payment into card's account
6.00 LVL
  monthly payment into card's account upon Client's authorization (per month)
3.00 LVL
  Monthly statement at the Bank or by e-mail
free of charge
  monthly statement by mail or by fax
0.50 LVL
  Payment from Client's Card account to his/her Current account or other Card Account on Client's request
LVL - 1% (min 6,00 LVL)
USD - 1% (min 10,00 USD)
EUR - 1% (min 10,00 EUR)
21.  Card validity
24 months
22.  Cash advance at Trasta komercbanka with a card from another bank (MC, Maestro, VISA or VISA Electron)
without extra commission fees
MC Classic 9 
1.  Card annual fee (base) 1 
35.00 LVL
2.  Supplementary card annual fee 1 
30.00 LVL
3.  Card monthly fee 1 
3.00 LVL
4.  Supplementary Card Monthly fee 1 
3.00 LVL
5.  Fee for Card insurance (per annum) 2 
30.00 EUR
6.  Card replacement fee (also in case of PIN renewal)
6.00 LVL
7.  Minimal security deposit 8 
150.00 LVL
8.  Minimal security deposit for Cards with available credit limit
1:1,5
9.  Retail transaction fee
free of charge
10.  Cash withdrawal fee
  at “Trasta komercbanka” with card issued by TKB
LVL - 0.40 LVL
USD - 0,4% (min 1,00 USD)
EUR - 0,4% (min 1,00 EUR)
  at other banks
1,5% (min 3,00 LVL)
USD - 1,5% (min 5,50 USD)
EUR - 1,5% (min 5,50 EUR)
  ATM of SEB banka and Swedbank JSC in Latvia 3 
LVL - 1% (min 0,90 LVL)
USD - 1% (min 2,00 USD)
EUR - 1% (min 2,00 EUR)
  ATM of other banks 3 
LVL - 1,5% (min 2,00 LVL)
USD - 1,5% (min 3,00 USD)
EUR - 1,5% (min 3,00 EUR)
11.  Currency conversion fee
2.5%
12.  Authorized credit limit interest rate per annum 4 
  for card with security deposit
16%
  for card without security deposit
24%
13.  Over the authorized credit limit fee (annual rate) 4 
60%
14.  Late overdraft repayment penalty 5 
6.00 LVL
15.  Credit interest for balance over 500LVL, 1000,00EUR, 1000,00USD(annual interest) 6 
0.5/0.25/0.25%
16.  Annual interest for security deposit
2%
17.  Termination of Agreement during the first year of its validity period
12.00 LVL
18.  Fee for consideration of unjustified claim
10.00 LVL
19.  Fee for SMS Info message 7 
0,06 LVL
20.  Other services
  urgent card processing during 8 bank’s working hours
25.00 LVL
  express payment into card's account
6.00 LVL
  monthly payment into card's account upon Client's authorization (per month)
3.00 LVL
  monthly statement at the Bank or by e-mail
free of charge
  monthly statement by mail or by fax
0.50 LVL
  Payment from Client's Card account to his/her Current account or other Card Account on Client's request
LVL - 1% (min 6,00 LVL)
USD - 1% (min 10,00 USD)
EUR - 1% (min 10,00 EUR)
21.  Card validity
24 months
22.  Cash advance at Trasta komercbanka with a card from another bank (MC, Maestro, VISA or VISA Electron)
without extra commission fees
MC Gold 10 
1.  Card annual fee (base) 1 
90.00 LVL
2.  Supplementary card annual fee 1 
85.00 LVL
3.  Card monthly fee 1 
8.00 LVL
4.  Supplementary Card Monthly fee 1 
8.00 LVL
5.  Fee to Card insurance (per annum) 2 
50.00 EUR
6.  Card replacement fee (also in case of PIN renewal)
12.00 LVL
7.  Minimal security deposit{ 8  11 
4800.00 LVL
8.  Minimal security deposit for Cards with available credit limit
LVL - 1:1+1800,00 LVL
USD - 1:1+3000,00 USD
EUR - 1:1+3000,00 EUR
9.  Retail transaction fee
free of charge
10.  Cash withdrawal fee
  at “Trasta komercbanka” with card issued by TKB
LVL - 0.40 LVL
USD - 0,4% (min 1,00 USD)
EUR - 0,4% (min 1,00 EUR)
  at other banks
LVL - 2% (min 3,00 LVL)
USD - 2% (min 5,50 USD)
EUR - 2% (min 5,50 EUR)
  ATM of SEB banka and Swedbank JSC in Latvia 3 
LVL - 1% (min 0,90 LVL)
USD - 1% (min 2,00 USD)
EUR - 1% (min 2,00 EUR)
  ATM of other banks 3 
LVL - 2% (min 2,00 LVL)
USD - 2% (min 3,00 USD)
EUR - 2% (min 3,00 EUR)
11.  Currency conversion fee
2.5%
12.  Authorized credit limit interest rate per annum 4 
  for card with security deposit
18%
  for card without security deposit
30%
13.  Over the authorized credit limit fee (annual rate) 4 
60%
14.  Late overdraft repayment penalty 5 
6.00 LVL
15.  Credit interest for balance over 500LVL, 1000,00EUR, 1000,00USD (annual interest) 6 
0.5/0.25/0.25%
16.  Annual interest for security deposit
2%
17.  Termination of Agreement during the first year of its validity period
20.00 LVL
18.  Fee for consideration of unjustified claim
10.00 LVL
19.  Fee for SMS Info message 7 
0,06 LVL
20.  Other services
  urgent card processing during 8 bank’s working hours
25.00 LVL
  express payment into card's account
6.00 LVL
  monthly payment into card's account upon Client's authorization (per month)
3.00 LVL
  Monthly statement at the Bank or by e-mail
free of charge
  Monthly statement by mail or by fax
0.50 LVL
  Payment from Client's Card account to his/her Current account or other Card Account on Client's request
LVL - 1% (min 6,00 LVL)
USD - 1% (min 10,00 USD)
EUR - 1% (min 10,00 EUR)
21.  Card validity
24 months
22.  Cash advance at Trasta komercbanka with a card from another bank (MC, Maestro, VISA or VISA Electron)
without extra commission fees
1 Clients opt to pay an annual or monthly fee. The annual fee is paid to the Bank after the Agreement on Issue and Use of Pay Card (agreement) becomes effective, but before processing the card. Monthly card fee is collected by debiting the Client's Card account once a month on the last working day of each month during the entire period of effect of the agreement.
2 Insurance policy validity period – 12 months. Client transfers the insurance fee to the Insurer's account with TRASTA KOMERCBANKA.
3 Limit of cash withdrawal at ATM for a period of 24h: Maestro, Cirrus - 500,00 LVL / 1 000,00 USD / 800,00 EUR; MC Classic - 1 000,00 LVL / 15 00,00 USD / 1 500,00 EUR; MC Business - 1 500,00 LVL / 2 000,00 USD / 2 000,00 EUR; MC Gold - 2 000,00 LVL / 3 000,00 USD / 3 000,00 EUR (limits do not apply to cash withdrawals at the bank’s cash desks).
4 Annual interest on authorized credit limit, annual over the authorized credit limit interest and charge for negative card account balance are calculated monthly and debited from the Client’s Card account.
5 A fixed penalty is charged in case unauthorized negative account balance exceeds 3,00 LVL / 5,00 USD / 5,00 EUR for more than one month.
6 The Bank pays interest to Maestro card holders for any positive resident’s Card account balance.
7 Including VAT 22%. Tax account is available in electronic or paper format upon prior request from the Bank.
8 Or as agreed with the Bank.
9 Not available to legal persons.
10 The minimum authorized credit limit for MC Gold cards is 3 000, 00 LVL / 5 000,00 USD / 5 000,00 EUR.
11 All MC Gold cards are credit cards.
TRUST OPERATIONS
1.  Trust account opening
25.00 LVL
2.  Charges for trust operations (transfers, securities operations, mailing, fax and other charges)
in concert with Price list
3.  Placement of Client’s funds on the Bank’s correspondent account
  at bank chosed by the Client
2% from trusted amount
  at bank chosen by the Bank
1,5 from trusted amount + 10% from profit of trust operations
4.  Individual investment portfolio
  Active Trust 1 
  Money market
1% per annum from a value of portfolio
  Bonds
1% per annum from a value of portfolio
  Stocks
2% per annum from a value of portfolio
  Passive Trust 2 
  Money market
1% per annum from a value of portfolio
  Bonds
1% per annum from a value of portfolio
  Stocks
2% per annum from a value of portfolio
  Extra trust administration fee from the Client’s income
10-20 % from amount of income 3 
5.  Trust of realty
upon agreement
6.  Operations in options
upon agreement
1 Client determines its own investment strategy, financial instruments and terms and authorizes the Bank to form the investment portfolio of securities chosen by the Client. In this case the Bank deducts only fixed annual interest for trust management.
2 Client determines the amount, approximate investment period and conditions. The Bank on its part offers optimal investment facilities and forms the Client’s investment portfolio. In this case the Bank deducts both fixed annual interest for trust management and interest on the Client`s income.
3 In case the Client’s income exceeds: LVL – 4% per annum in basic currency of the portfolio, USD – 3% per annum in basic currency of the portfolio, EUR – 3,5% per annum in basic currency of the portfolio.
FINANCIAL INSTRUMENTS
1.  Transfer of securities 1 
  Direct transfer within "Trasta komercbanka" (per order)
2,00 LVL
  Transfer to a personal account with another bank (per 1 emission)
8,00 LVL
  Transfer to another person's account at another bank (per 1 emission)
8,00 LVL
  DVP provision for direct transfers (par transaction)
4,50 LVL
  Latvian Treasury bill transfer (per 1 emission)
3,00 LVL
  Foreign securities transfers
by agreement
2.  Securities account opening
free of charge
3.  Custody of financial instruments (per month, % of market value) 1 
0,01% (min. 1,00USD/ 1,00EUR/ 5,00DKK/ 7,00SEK/ 6,00NOK/ 1,00CHF/ 2,00LTL/ 1,00LVL/ 1,00CAD/ 1,00AUD/ 1,00GBP/ 30,00RUB)
4.  Interest for Investment account balance of residents  2 
  over 500,00 LVL
0,5% per year
  over 1 000,00 USD, 1 000,00 EUR
0,25 % per year
5.  Purchase/sell of financial instruments 1 
  Stocks (% of transaction amount)
  NYSE, NASDAQ, AMEX
0,025 USD per share (min.40,00 USD)
  London SETS IOB
0,3% (min. 35,00 USD)
  London SETS
0,4% (min. 35,00 USD/30,00 GBP)
  European Stock Exchanges
0,35% (min. 35,00 EUR/ 50,00 DKK/ 150,00 SEK/ 150,00 NOK/ 75,00 CHF)
  MICEX
0,2% (min 700,00 RUB)
  Russian Trading System (RTS)
0,3% (min. 55,00 USD)
  Riga Stock Exchange
0,35% (min. 1,50 LVL)
  Tallinn Stock Exchange
0,35% (min. 6,00 EUR)
  Vilnius Stock Exchange
0,35% (min. 12,00 LTL)
  Other stock exchanges
by agreement
  Bonds (% of nominal value) 1 
  Eurobonds
0,1% (min. 50,00 USD/ 40,00 EUR/ 30,00 GBP/ 30 LVL)
  Other bonds
by agreement
  Futures contracts (position opening and closing, per 1 contract) 1 
  at monthly turnover up to 250 contracts
30,00 USD
  at monthly turnover from 250 –1000 contracts
25,00 USD
  at monthly turnover over 1000 contracts
20,00 USD
  Futures contracts on FORTS
70,00 RUB
  Contracts for difference (CFD) 1 
  US equity CFD
0,025 USD per contract (min. 40 USD)
  Other CFD (excluding Warsaw Stock Exchange equity CFD)
0.15% of transaction amount (min. 40 USD)
  Warsaw Stock Exchange equity CFD
0.40% of transaction amount (min. 40 USD)
  Options 1 
  US Stock Exchanges options
3,00 USD per option (min. 40 USD)
  Options on futures
60,00 USD per option
6.  Other operations 1 
  Participation in primary placement of securities
by agreement
  Participation in bids of treasuries and bonds denominated in LVL (% of transaction amount)
0,12% (min.15,00 LVL)
  Direct transaction (% of transaction amount)
0,35%
  Deregistration of securities to owner's account in LCD
2,50 LVL
  Securities blocking
  Securities blocking for shareholder meeting in LCD (per order)
1,00 LVL
  Securities blocking at “Trasta komercbanka”
  without collateral certification
6,00 LVL
  with collateral certification
11,00 LVL
  Shareholder representation at shareholders meeting
by agreement
  Operations with securities in the Latvian Central Depository Initial Registry (per each)
15,00 LVL
  Written note from LCD
3,00 LVL
  Securities Account statement
  at the Bank
free of charge
  by e-mail
0,25 LVL
  by fax
2,50 LVL
  Mailing of documents (per item)
according to the value of real expenses
  Payment value day in the Client’s Investment Account before settlements day (% of transaction amount)
0,25%
  Repo transaction
by agreement
  Financing of transactions with financial instruments against cover
by agreement
  Operations with securities in concert with Trust agreement
  in standard instances 3 
according to the value
  in non-standard instances 4 
by agreement
  Operations with other financial instruments
by agreement
  Financial Instruments Account closing
1,00 LVL
7.  Investment funds
  Purchase of money market fund shares
0,5%
  Holding of money market fund shares
0,12%
  Selling of money market fund shares
0,5%
  Purchase of debt securities fund shares
1%
  Holding of debt securities fund shares
0,12%
  Selling of debt securities fund shares
0,5%
  Purchase of stock fond shares
1,25%
  Holding of stock fond shares
0,12%
  Selling of stock fond shares
0,5%
  Purchase of blend fund shares
1,25%
  Holding of blend fund shares
0,12%
  Selling of blend fund shares
0,5%
  Purchase of hedge funds and funds of hedge funds shares
1,5%
  Holding of hedge funds and funds of hedge funds shares
0,12%
  Selling of hedge funds and funds of hedge funds shares
0,5%
1 The Bank will additionally withhold a commission defined by the issuer and its agent, and expenses due to fulfilment of the Client’s order, which can exceed the amount fixed in the Bank Pricelist. In this case the Bank will seek to reduce to the utmost such expenses of the Client. A commission for each month is calculated and collected on the last day of the month for each account which has securities balance. The commissions are defined and withheld in the currency in which financial instruments are denominated.
2 Interest is calculated on daily account balance and credited to the Client’s account once a month. Interest calculated on non-resident Investment account balance is established based on mutual agreement of parties and signature of additional covenant to the Agreement on Rendering Investment Services and Auxiliary Investment Services.. The interest rate is no higher than the overall rate of the Bank applied to non-resident Current account balances. In case no additional covenant is made between the Parties, the Bank shall pay no interest on non-resident Investment account balance.
3 Standard instances – cases, when an operation with securities is performed with instruments, mentioned in this Price-List and in the order, established by the Bank.
4 Non-standard instances – cases, when an operation with securities is performed with instruments, which are not mentioned in this Price-List and/or in accordance with special terms.
PRECIOUS METAL ACCOUNT OPENING AND MAINTENANCE
1.  Precious metal account opening and maintenance
information is available at the Bank
SAFE DEPOSIT BOX RENTAL
1.  Rent of Safe Deposit Box 4,3 x 26 x 44,5 cm
  1 week (incl. VAT)
6.00 LVL
  1 month (incl. VAT)
10.00 LVL
  3 months (incl. VAT)
30.00 LVL
  6 months (incl. VAT)
50.00 LVL
  1 year (incl. VAT)
80.00 LVL
2.  Rent of Safe Deposit Box 6,8 x 26 x 44,5 cm
  1 week (incl. VAT)
9.00 LVL
  1 month (incl. VAT)
15.00 LVL
  3 months (incl. VAT)
35.00 LVL
  6 months (incl. VAT)
60.00 LVL
  1 year (incl. VAT)
90.00 LVL
3.  Rent of Safe Deposit Box 11,8 x 26 x 44,5
  1 week (incl. VAT)
10.00 LVL
  1 month (incl. VAT)
20.00 LVL
  3 months (incl. VAT)
50.00 LVL
  6 months (incl. VAT)
75.00 LVL
  1 year (incl. VAT)
125.00 LVL
4.  Rent of Safe Deposit Box 29,3 x 26 x 44,5
  1 week (incl. VAT)
12.00 LVL
  1 month (incl. VAT)
25.00 LVL
  3 months (incl. VAT)
60.00 LVL
  6 months (incl. VAT)
95.00 LVL
  1 year (incl. VAT)
170.00 LVL
5.  Custody of Customer’s key at the Bank
10 LVL/mon., incl. VAT
6.  Penalty for losing the key
60 LVL
7.  Commission fee for using the Safe after expiry of the Safe Deposit Box Agreement (for each overdue day)
0.50 LVL, incl. VAT
ART BANKING (CONSULTATIONS AND TRANSACTIONS REGARDING ARTWORKS)
1.  Hourly charge for services related to artworks as specified in the agreement 1  2 
70.00 EUR
2.  One-off commission fee for search of buyers/sellers of artworks 1  3 
140.00 EUR
3.  Annual fee for services related to artworks as specified in the agreement 4  5 
21600 EUR (or 1800 EUR/month)
4.  Artwork purchase/sale price 6 
  0 - 999 999,99 EUR
8%
  1 000 000 - 1 999 999,99 EUR
5%
  2 000 000,00 - 4 999 999,99 EUR
3%
  5 000 000,00 EUR and more
2%
1 This commission fee is not applicable when Client pays the annual fee (see paragraph 3).
2 Hourly charge does not include VAT.
3 Commission fee does not include VAT. Commission fee is included in Purchase/Sale Price only if the transaction is closed. Commission fee includes the payment for two Banking hours.
4 This commission fee is not applicable to situations where an hourly charge is paid (see paragraph 1) or a one-off commission fee for search of buyers/sellers of artworks is paid (see paragraph 2).
5 Annual fee does not include VAT, commuting and other expenses that may occur in connection with execution of a Client’s instruction. Monthly fee includes 40 Banking hours, which is considered a standard period required for execution of a Client’s instruction. If execution of a Client’s instruction requires more than a standard period of 40 Banking work hours, a separate invoice for additional work hours will be made out at EUR 45/hour. A separate invoice will be made out to Client for professional services of an involved party. Work hours unused during one month are not carried over to the following months.
6 Interest refers to the artwork price only; additional transaction costs are not included.
REMOTE ACCESS SERVICES
TRAST.NET (INTERNET BANKING)
1.  Registration in the Trast.Net system 1 
free of charge
2.  Use of the system
free of charge
3.  Transfer in LVL up to 49 999.99 LVL via Trast.Net
0.25 LVL
4.  Transfer in LVL from 50 000 LVL via Trast.Net
1.50 LVL
5.  Access to SWIFT copies of outgoing payments 2 
free of charge
6.  Ordering of Payment Suites (single payment)
60.00 LVL
7.  Agreeing on individual rate of conversion using Trast.Net 3 
free of charge
TELEPHONE BANKING
1.  Use of the system
free of charge
2.  Transfer in LVL up to 49 999.99 LVL via Telephone Banking
0.25 LVL
3.  Transfer in LVL from 50 000 LVL via Telephone Banking
1.50 LVL
Code cards
1.  Electronic Code Card for for generation of PIN and test keys 4 
  „Classic” or „Mobile” Code Card (at Client’s choice)
50.00 USD
  „Extra” Code Card
60.00 USD
2.  Unblocking of electronic Code Card
5.00 LVL
E-MAIL
1.  Receiving information by e-mail
free of charge
1 Work in the Trast.Net system requires a Code Card is necessary – refer to “Code Cards”.
2 Available within 1 month following the payment value date.
3 Minimum amount of conversion - 1000.00 EUR or equivalent in other currency.
4 Validity term of the Code card issued by the Bank is 2 years.



















(371) 67027777





`How to find us `Disclaimer `Sitemap
Copyright 2011 © JSC "Trasta Komercbanka"