ANZ Business Advantage - низкая стоимость бизнес-банковский счет | ANZ
http://www.anz.com/documents/au/ratefee/77997-TransactionFees%26Charges.pdf
ANZ Business Advantage особенности:
Низкая плата счет.
Низкий ежемесячный счет обслуживания в размере $ 10.
Бесплатные Сделки ANZ.
Неограниченные бесплатные операции ANZ *.
Овердрафта.
Ссылка преимущество овердрафта ANZ Бизнес для вашего бизнеса Advantage счет для оказания помощи в требованиях краткосрочных денежных потоков.
Overseas transaction fee
Applicable for:
• Overseas withdrawal in a foreign currency
from an ANZ ATM or a non-ANZ ATM.
• Withdrawal or purchase in a foreign
currency where the financial institution
or merchant accepting the debit card is
located overseas
Overseas ATM transaction fee
Applicable for a withdrawal from a non-ANZ
ATM (per withdrawal)
$5
Transaction Accounts
Fees and Charges
(i) Transaction threshold includes any deposit, withdrawal or transfer,
cheques drawn by you and any cheque or manual merchant slip deposited
to your account.
For example: A deposit to an account of two cheques will count as three
transactions, one for the deposit (which if is Staff Assisted will be charged
as a branch transaction) and one for each Cheque lodged because each
cheque requires individual processing.
Business Classic
Account(iv)
Business Extra 50
Account(iii)
Business Cash
Management
Account(iii)
Premium Business
Cash Account(iii)
Monthly Account Service Fee $12 $22 $2.50 $10
No Monthly Account
Servicing Fee payable
with minimum monthly
balance of
N/A N/A $5,000 $20,000
Free transaction threshold
per Month(i) Nil 50(ii) 10 5
Free Cheque Deposit or
Manual Merchant Deposit
not included in free
transaction threshold
N/A N/A N/A N/A
Additional Transactions Fees
Staff Assisted Transactions* 80c 80c $2.50 $2.50
Cheques* 80c 80c 60c 60c
Manual Merchant Deposit* 80c 80c 60c 60c
ANZ ATM* Free Free 60c 60c
Electronic Transactions* Free Free 20c 20c
(ii) Excludes Electronic and ANZ ATM from free transaction threshold count.
(iii) Business Extra 50 Account, Business Cash Management Account, Premium
Business Cash Account not available for sale after 17 September 2011.
(iv) Business Classic Account not available for sale after 5 May 2012.
Any fees that apply to your account, will be charged to the account monthly based
on the opening date of your account, unless ANZ advises you of another date.
* Refer to Definitions.
Additional Fees for Services not included
in monthly free transaction limit
As an ANZ customer we do not charge you
ATM fees for:
• Balance enquiries
• Withdrawals from non-ANZ ATMs in
Australia
Overseas transaction fee
Applicable for:
• Overseas withdrawal in a foreign currency
from an ANZ ATM or a non-ANZ ATM.
• Withdrawal or purchase in a foreign
currency where the financial institution
or merchant accepting the debit card is
located overseas
Overseas ATM transaction fee
Applicable for a withdrawal from a non-ANZ
ATM (per withdrawal)
$5
ANZ Internet Banking and ANZ Internet
Banking for Business Multi Payments,
charge per credit
Free
You may also be charged a fee by the operator of a non-ANZ ATM for a balance
enquiry or a withdrawal at a non-ANZ ATM.
Some overseas ATM/EFTPOS locations may impose a surcharge to make a
withdrawal in addition to these fees.
Transactions at non-ANZ ATMs and overseas EFTPOS transactions do not count
towards your monthly free transaction quota.
Transfers between linked ANZ accounts and deposits are not available.
Balance enquiries may not be available at some Visa PLUS ATMs.
For using an ATM overseas, the overseas transaction fee is calculated on the
value of the withdrawal or purchase including any fee charged by the ATM
operator. There is no charge for point of sale refunds.
8–9
Transaction Fees and Charges and Associated Fees
and Charges: ANZ Equity Manager in a Company Name*
Overdrawn Fee
Payable for each ANZ Business Day when
the balance of your Informal Overdraft
facility is more than $50 (up to a total of ten
ANZ Business Days and a maximum amount
of $60 per calendar month).
$6
Dishonour Fee
Charged when a cheque written, direct
debit, or periodic payment from your
account is dishonoured due to the lack of
cleared funds in your account.
$6 per
dishonour
Interest on Informal Overdraft amounts
ANZ Retail Index plus 4%
Charged on an overdrawn account that
doesn’t have a credit limit. ANZ Retail Index
Rate is published on www.anz.com
Periodical Payments Non-payment fee
A Non-payment Fee is charged if you have
authorised a periodical payment that
cannot be made because of insufficient
cleared funds. You can stop or alter a
periodic payment up to two business days
before the payment is due to be made.
$6
* An annual Credit Facility Fee will be payable on the ANZ Equity Manager in a
Company Name account. Please refer to the ANZ Business Banking Finance
Fees and Charges booklet for details.
3% of
value of
withdrawal
or purchase
Overseas Currency Transaction Fees
CIRRUS ATM Transaction^
Withdrawals (per withdrawal) 3.0% of value
For example: If you withdraw $75 in United States
Dollars (USD) from an overseas ATM using the CIRRUS
network, assuming that the conversion rate set in
accordance with the MasterCard International
Incorporated rules is 0.7500 (i.e. 1 Australian Dollar
(AUD1) = USD0.75), the Overseas Currency Transaction
Fee will be AUD$3.00 and is calculated as follows:
1. Convert USD$75 to Australian Dollars using the
conversion rate: USD$75/0.7500 = AUD$100.
2. The Overseas Currency Transaction Fee is then
calculated by multiplying this AUD amount by 3.0%:
AUD$100 x 0.03 (3.0%) = AUD$3.00.
Visa PLUS ATM Transaction^
Withdrawals (per withdrawal) 3.0% of value
For example: If you withdraw $75 in United States
Dollars (USD) from an overseas ATM using the Visa
PLUS network, assuming that the conversion rate set
in accordance with the Visa International rules is
0.7500 (i.e. 1 Australian Dollar (AUD1) = USD0.75), the
Overseas Currency Transaction Fee will be AUD$3.00
and is calculated as follows:
1. Convert USD$75 to Australian Dollars using the
conversion rate: USD$75/0.7500 = AUD$100.
2. The Overseas Currency Transaction Fee is then
calculated by multiplying this AUD amount by 3.0%:
AUD$100 x 0.03 (3.0%) = AUD$3.00.
EFTPOS Transaction
MAESTRO (per transaction) 3.0% of value
For example: If you make a purchase of $75 in United
States Dollars (USD) overseas via MAESTRO EFTPOS,
assuming that the conversion rate set in accordance
with the MasterCard International Incorporated rules
is 0.7500 (i.e. 1 Australian Dollar (AUD1) = USD0.75),
the Overseas Currency Transaction Fee will be
AUD$3.00 and is calculated as follows:
1. Convert USD$75 to Australian Dollars using the
conversion rate: USD$75/0.7500 = AUD$100.
2. The Overseas Currency Transaction Fee is then
calculated by multiplying this AUD amount by 3.0%:
AUD$100 x 0.03 (3.0%) = AUD$3.00.
^ For an overseas ATM transaction the Overseas Transaction Fee is calculated
on the value of the withdrawal of transaction and any ATM operator fee that
you accept when you proceed with the withdrawal or transaction at the ATM.
10–11
Associated Account Fees
and Charges
ANZ Business Select Package Fee
$32 plus GST, per month payable in advance
For full details of the ANZ Business Select Package fee and
eligibility criteria, please refer to the ANZ Business Select
Package Terms and Conditions.
ANZ Business Select - Transaction Package Fee
$33 plus GST, per month payable in advance
For full details of the ANZ Business Select – Transaction
Package Fee and eligibility criteria, please refer to the
ANZ Business Select – Transaction Package Terms and
Conditions.
This package is not available for sale after 31 December 2010
ANZ Mobile Phone Banking
Fees and charges may apply to ANZ Mobile Phone Banking
and customers will be advised of these at the time of
applying for the service or prior to the fee being charged.
Arrangement to Cash ANZ Cheques
• Establishment
• Renewal (per month)
Includes business cheques and building
society or credit union cheques or orders.
$80
$10
Automatic Funds Transfer –
for Each Subsidiary Account
• Establishment Fee
• Service Fee, payable quarterly in advance
$80
$60 – $210
Debit Interest Charge (p.a.) ANZ Retail Index plus 8.5%
Charged on an overdrawn account that doesn’t have a
credit limit.
ANZ Retail Index Rate is published on www.anz.com
Honour Fee
Charged for considering a request for an
Informal Overdraft where you satisfy ANZ’s
credit criteria for an Informal Overdraft, and
the balance of your Informal Overdraft
facility exceeds $50 at the time of your
request or will exceed $50 after the debit
requested has been processed.
$37.70
Outward Dishonour Fee
Charged for considering a request for an
Informal Overdraft where you do not satisfy
ANZ’s credit criteria for an Informal
Overdraft.
$37.70 per
dishonour
Periodical Payments (per payment)
• Made to connected accounts (related, in
same name) within ANZ
• Made to other accounts (unrelated, in
different name)
• Made to other financial institution
accounts
• Non-payment Fee
A Non-payment Fee is charged if you have
authorised a periodical payment that
cannot be made because of insufficient
cleared funds.
Free
$1.70
within ANZ
$4
$45
Re-presentation and Collection of
Dishonoured Cheques
A cheque which has previously been
deposited into your account and
dishonoured due to lack of funds can be
presented again on a collection basis (ANZ
forwards the cheque for payment to be
made by the drawer’s bank when sufficient
funds are available).
$30
Special Clearance of Cheques
• By mail or telephone advice
• By messenger or clerk for local clearance
plus out of pocket expenses
$15
$70
per hour
(min $50)
Stationery
• Duplicate/Triplicate deposit book $3
Stop Payment
Cheques reported stolen are exempt from
this fee when a copy of the police report is
provided.
$15
12–13
ANZ Internet Banking
Internet
Banking
Internet Banking
for Business(i)
Monthly Fee N/A $15
Electronic
Transactions* 20c#^^ 20c#^^
File uploads N/A Nil
Templates N/A Nil
Issue of Security
Device 1-2
Security Devices
N/A Nil
Issue of Security
Device 3rd and
subsequent
Security Devices
N/A
$25 + GST
per Security
Device
†
Re-issue of
Security Device
(lost or stolen)
N/A $25 + GST
Issue of
Temporary One
Time Security
Code(s)
^
N/A $5 + GST
Direct Debit Fee
(per debit) N/A Nil
Direct Debits
User ID
establishment
N/A $200 + GST
* Electronic Transactions may form part of your monthly fee free transaction
threshold (refer to page 8 for definition of “Electronic Transactions”).
# Electronic Transactions on Business Mortgage Loan Offset and Agri Finance
Offset accounts are charged at $5 per transaction, and on Business Premium
Saver they are charged at $1.60 per transaction.
^ Fee which applies in the event that ANZ issues a customer with a temporary,
single-use Security Device Code(s) to use when the customer’s Security
Device has been lost, stolen or misplaced.
† Fee may apply where a business has 3 or more registered Internet Banking
for Business Administrators and/or Authorisers.
^^ For Business Advantage, Business Classic, Business Extra, Business Extra 50,
Revolving Agri Line, and Equity Manager in a Company Name accounts this
fee will not apply.
(i) Monthly fee waived on ANZ Internet Banking for Business for Business
Extra customers.
Nomination of Fee Account
You may have been required to nominate a fee
account as part of the ANZ Internet Banking
registration process. If you close this nominated fee
account, you will need to nominate another ANZ
account for the fees to be charged to. You can do this
by completing an ANZ Internet Banking for Business
maintenance form and returning it to your ANZ
Manager or local ANZ branch. If you do not nominate
an account, ANZ will choose a new account to which
Internet Banking fees will be directed. Please see
further details on www.anz.com for details on how
this Internet Banking fee account can be changed.
14–15
Definitions
Transactions
Any deposit, withdrawal or transfer, cheques drawn
by you and any cheque or manual merchant slip
deposited to your account. Transactions are defined
as the following categories:
Staff Assisted
• Any card or paper withdrawal over the counter*.
• Any cheque written by you and then cashed, by
you or by someone else, over the counter.
• Any transfer from this account effected at the
branch whether using a card or not.
• Deposit of cash and/or cheque(s) over the counter
using a card or deposit slip.
• Any deposit made using Fast Deposit Bags or ANZ
Fast Deposit Envelopes.
• Crediting of proceeds from Telegraphic Transfers.
• Transfer of funds over the telephone (excluding
ANZ Phone Banking transactions) pursuant to a
funds transfer authority.
* Branch withdrawals by card at designated country branches where no local
ANZ ATM is available are charged at the ANZ ATM rate.
Cheques
• Cheques written by you, excluding cheques
cashed over the counter.
• Any Cheque deposited into your account. Includes
deposits made using an ATM, Fast Deposit bags
and Fast Deposit Envelopes.
Manual Merchant Deposit Transactions
Any manual merchant slip deposited into your
account over the counter, via ATM or using Fast
Deposit Bags and/or Fast Deposit Envelopes. Does not
include electronic merchant settlements.
ANZ ATM
• ANZ ATM transfer to/from your account.
• ANZ ATM withdrawal/deposit.
Electronic
• EFTPOS purchase/cash out.
• ANZ Phone Banking transfer from your account
including BPAY® bill payments.
• Automatic salary/pay credits.
• Automatic debenture/dividend deposits.
• Automatic credit from bill payment, and other
sources.
• ANZ Internet Banking transfers from your account,
including BPAY® bill payments (not including ANZ
Internet Banking Multi Payments).
Additional Transaction Fees
Additional Fees are only charged on the number of
Transactions made in excess of the free monthly
transaction threshold. Bank fees, Periodical Payments,
Direct Debits, balance enquiries, ANZ Multi Payments
and transactions at non-ANZ ATMs are not counted
towards the free transaction limit.
Multi Payments
The ability to make multiple payments is available on
both ANZ Internet Banking and ANZ Internet Banking
for Business, but with differing levels.
• ANZ Internet Banking allows up to 10 bill payments
or transfers between linked accounts, and up to 18
‘Pay Anyone’ transfers from a single debit; and
• ANZ Internet Banking for Business allows up to 99
bill payments or transfers between linked
accounts, and up to 999 ‘Pay Anyone’ and ‘Payroll’
transfers in a single debit.
• Transfers or payments using ANZ Multi Payments
do not count towards your fee free transaction
limit and you will not be charged for the debit to
the debited account.
Multi Payments may not be available on all
account types.
Non-ANZ ATM Transactions and Overseas EFTPOS
transactions
• Do not count towards your monthly free
transaction quota
• Some ATM/EFTPOS locations may impose an
additional surcharge or ATM operator fee.
® Registered to
BPAY Ltd ABN 69 079 134 518
Australia and New Zealand Banking Group Limited
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