Personal Account Fee

Currency: CAD	Standard Package	Premium Package (6)
Account Service
Account opening Fee	Free of charge
Monthly maintenance Fee	19 CAD	0 CAD
Online Payment, Mobile Payment Sign up and Monthly fee subscription	Free of charge
Incoming Transaction
Incoming payments from another DNBC Account	Free of charge
Non-SWIFT incoming	5 CAD + variety of fees (if any) (*)
SWIFT incoming (SHA/BEN/OUR)	0.2% - min 10 CAD+ variety of fees (if any) (*)
Outgoing Transaction
Outgoing to another DNBC account	Free of charge
Non-SWIFT Urgent D+1(1)	0.25%(2) + 25 CAD
Non-SWIFT Express D(1)	0.25%(2) + 50 CAD
SWIFT Outgoing (SHA/BEN)	0.3% + 50 CAD
SWIFT Outgoing (OUR)	0.3% + 50 CAD+ variety of fees (if any) (*)
Payment cancellation, modification, refund	80 CAD
Extra Fee
Investigation Fee (SWIFT)	80 CAD
Recall Fee (SWIFT)	80 CAD
Due diligence fee on large amount payment(3) / complex transaction	0.05% - max 200 CAD
Fee for handling funds on an account (annual rate)(4)	1%

Note:

1. D – current working date, cut-off time at 04:00 PM.
   D+1 – value date on the following working day.
   D+2 - within 2 days from the current working day
2. 0.25% of the total amount of transactions. Maximum transaction fee capped at 175 CAD for Urgent D+2. Based on your request, an additional charge of 25 CAD shall be applied to Express D+1.
3. Applicable to a transaction with an amount over 50,000 CAD. This service charge is an extra fee applied to large transactions on checking documents and scanning KYC compliance. The processing fee is fixed following the information of the above table.
4. The negative interest is calculated at the end of each day. The negative interest is debited at the end of each month for the period of the previous month and debited directly from the respective account. The negative interest is currently 1% per annual. The calculation for each month is 1/12th of the interest rate. The negative interest will be charged as of 01 May, 2022 until further notice.
5. Monthly maintenance fee is free of charge for personal account holders who make monthly transactions (exchanged to CAD) from 12,000 CAD or more via SWIFT Transfer. If the monthly transaction does not meet the above conditions, the monthly maintenance Standard Fee of 19 CAD shall be applied, regardless of clients who have signed up for Standard Package. Client is required to sign a form of switching his/her current package to upgrade to the Premium Package.
6. Easy upgrade to the Premium Package is available once Point (5) is satisfied.
7. With a current account upgrade from Standard to Premium, in the following months, if the client does not meet the requirement (5) mentioned above, the monthly maintenance fee will be applied for the standard package (19 CAD).
8. Enable to open accounts corresponding with different currencies: EUR, CHF, GBP, CAD, HKD, etc.
9. (*) "Variety of fees" encompasses charges that intermediary banks may impose according to their policies.These fees, if applicable, may have been deducted from the transaction amount. DNBC does not have control over these intermediary bank fees.
10. An intermediary bank is a bank that acts on behalf of the sending bank to facilitate international money transfers via the SWIFT network. This type of bank is needed when the sending and beneficiary banks don’t have an established relationship. They’ll often charge their own fee for their services, which will impact the amount your recipient gets.

Account, Statement & Notification
Name	Fees	Notes
Account statement request	10 CAD	Fee for Hard copy. PDF is free when downloading via DNBCnet
Balance Certificate for a specific account	20 CAD
Current account reference letter request	50 CAD
Express courier original copy	60 CAD	To client address worldwide: DHL/FedEx
SMS notification about account transactions	0.2 CAD	Per message
Email notification about account transactions	Free of charge
Account Closure
Closing the Personal account after one year	Free of charge
Closing the Personal account within 12 months	200 CAD