Business Fair Account
Your companion in self-employment
As self-employed doctor, freelance, individual-, small and medium entrepreneur, you need an account with customised solutions. Flexible account management for your business and personal accounts – including Maestro ATM card and credit cards linked to the business accounts as well as account management through Office Banking or Internetbanking – allows easy, individual and cost-effective administration.
Flat-rate package price for your
Maestro ATM card standard transaction limit with standard transaction limit for one account holder free of charge
Customer credit card free of charge
for one account holder
|Maestro ATM card with standard transaction limit Standard transaction limit: up to EUR 400.00 cash withdrawal per day and up to EUR 1,100.00 POS transaction limit per week for one account holder|
|Account statements via self-service bank statement printer and internetbanking|
|Internetbanking & App|
|PayLife Business Gold card for one account holder|
|Set-up, change or deletion of standing orders via Internetbanking|
Interest rate for business account by agreement
Standard interest rate:
|Credit rate||0.01% p.a.*|
|Debit rate||10.60% p.a. *|
|Overdraft rate||6.00% p.a.|
*Interest rates are adjusted quarterly on the basis of the 3-month Euribor plus a mark-up (debit interest) / less a mark-down (credit interest less capital gains tax [KESt]). The agreed surcharge (interest on debit balances) is regarded as the minimum interest rate.
|Account management charge||EUR 77.70 quarterly|
|Cash withdrawal at cashier’s desk||EUR 1.27|
|Cash payment into own account at cashier’s desk||EUR 1.27|
|Transfer at cashier’s desk||EUR 1.28|
|Express transfer||EUR 12.30|
|Cash payment into own account at self-service terminal||EUR 0.39|
|Information about non-execution or cost reimbursement for execution of a payment order due to insufficient funds (If the payment order is executed in customer’s interest (e.g. to pay rent)).||EUR 4.85|
|Maestro ATM card with standard transaction limit Standard transaction limit: up to EUR 400.00 cash withdrawal per day and up to EUR 1,100.00 POS transaction limit per week for one account holder of the business and private account||included|
|Further Maestro ATM card with standard transaction limit Standard transaction limit: up to EUR 400.00 cash withdrawal per day and up to EUR 1,100.00 POS transaction limit per week||EUR 29.25 p.a.|
|Maestro ATM card surcharge for cards with higher limit higher limit: All transactions exceeding the limit of EUR 400.00 cash withdrawal per day and up to EUR 1.100,00 at POS transaction limit per week||EUR 11.09 p.a.|
|Reorder of Maestro ATM card with unchanged sequence number||EUR 11.24|
|Reorder of Maestro ATM card with new sequence number||EUR 29.25|
|Transaction charge for Maestro ATM card - In non-EU countries and in foreign currencies - ATM withdrawal*||EUR 1.82 plus 0,75 % of the amount withdrawn/transaction|
|Transaction charge for Maestro ATM card - In non-EU countries and in foreign currencies - card payment*||EUR 1.09 plus 0.75% of the payment amount/transaction|
*Charged directly by the clearing bank Payment Services Austria GmbH.
Not included are any third-party fees agreed by the customer for cash disbursements at ATMs in Austria and abroad and fees charged by foreign POS terminals or ATM operators abroad. The fee is charged to the cardholder’s checking account together with the disbursement or payment amount.
|PayLife Business Gold including insurance cover||included for one account holder (with private credit card included free of charge)|
|Further PayLife Business Gold including insurance cover||EUR 64.00 p.a.|
|Cash withdrawals (PayLife):||3.30% of the amount withdrawn, EUR 3.50 minimum charge per withdrawal|
|Handling charge (PayLife):||for card transactions in EUR in non-EEA countires and in currencies other than EUR: 1.65% of transaction.|
The fees associated with these cards are charged directly by the credit card Company.
The above prices and services are purely an extract from the currently applicable schedule of fees and charges for non-consumers, which can be obtained from your customer service representative.