LogoRegulatory Alerts
2026-01-01

Interest Rates, Fees and Charges as of March 2026 for Commercial Banks

This document details the interest rates, fees, and charges applicable to commercial banking services in Samoa as of March 2026. It provides a comprehensive comparative breakdown of costs for access and savings accounts, cheque accounts, time deposits, and retail banking transactions across ANZ, BSP, NBS, and SCB. Additionally, it outlines lending rates, establishment fees, and penalty structures for small loans, overdrafts, and various term loan products.

Central Bank of Samoa logo

Samoa

Central Bank of Samoa

Click to view thumbnail

Page | 1 Commercial Banks’Interest Rates, Fees s Charges March 2026 Details in this update were made available by the commercial banks for the indicated period and are provided for information purposes only. Customers are to contact their banks for further clarification and for the latest available figures. Amounts are inSamoanTala,unless otherwise indicated. COMMERCIAL BANKS’INTEREST RATES, FEES AND CHARGES AS OF MARCH 2026 A. ACCESS/SAVINGSACCOUNTS ANZ BSP NBS SCB

  1. InterestRate N/A • 1.50%p.a.Interestis accruedmonthly on aminimumbalance. Access s Savings Account • 1.5% based on the minimum balance of eachmonth.Interestis credited monthly to accounts. • $1.50maintenancefee permonth 5ToLife (Tierinterestrate) • $5.00-$499.00:1.0% pa • $500.00-$999.00:1.5% pa • $1000andmore:2.0% pa Samoa Super Saver (Credited monthly to accounts). • 2.5% interest rate per month (earned if no withdrawal + 1 deposit a month) Savings Pension • Nilopeningbalance • Nilmonthlyfee • $2Pensioncreditfee KickStartAccess (Full time Tertiary students–18to24years old) • $2openingbalance • $20 - $20K -2.0 %p.a.credit half annuallyor on close, calculatedon minimum monthly balance. • >$20K – 2.5% p.a applied bi0- annually • Zerorateforany monthif balancebelow $20.00 2.Minimumopening balance (AccessCSavings) Nil • $100.00 when opening a new account • AccessCSavings Account:$20.00 • 5ToLife: $2.00 • SamoaSuperSaver:Nil • PensionAccount:Nil • $50.00 • $100 personal • $200 joint, groups & business

Page | 2 Commercial Banks’Interest Rates, Fees s Charges March 2026 ANZ BSP NBS SCB 3.Withdrawalwithout passbook(Servicefee) N/A • $20.00(upon approval) • $20.00 Accounts for clubs,societies,joint, etc. • $20.00 4. Penaltyfee/Transaction fee • AccessCSavings • AccessPAYG N/A • $2.00perdeposit and $4 per withdrawalwhere anytransaction causesbalanceto fall below $500.00. • Nofeeifbalance maintainat$500 • $1.50permonth appliedtoallaccounts • $1.00permonth whenaccount balanceisbelow $50.00 5.UpdatePassbook N/A N/A • $0.50eachprevious transactionsandfree to updatecurrentbalance and new transaction N/A 6.Closingfee AccountRe-opened N/A • $5.00whenaccount closed within 3 monthssince opening • $10.00 • $10.00 • $10.00if accountis closedwithin3 monthsfrom openingdate • $20.00account reopened 7. Newpassbook • Replacement N/A Nil • $20.00for replacementoflost or mutilated passbook Nil • Available only for joint accounts • $25.00forreplacement of lost or mutilated passbook Nil • $20.00for replacementof lostormutilated passbook 8.Inoperative/Dormantfees Nil N/A 9. Overthe counter withdrawal N/A N/A • $5.00 • $5.00 for ATM card holder 10.Transferofcashusing MiscellaneousClearance Account(MSA) N/A N/A • $15.00 N/A 11. Cash Handling fee N/A • 0.1% 11. PacificStandard Account a. Minimum OpeningBalance b.Paperw/drawal-Manual debit c. Credittransaction d.Interest rate e.Monthly maintenance fee N/A a. $20.00 b.$4.00 c. Nil d.0% e.Nil N/A N/A 12. PremiumElectronic Account a. MinimumopeningBalance b.Interest rate c. Paperwithdrawal/Manual debit d.Monthly maintenance fee N/A a.$20.00 b.1.0% c.$4.00 per transaction d.$5.00 N/A N/A 13. PacificPackageAccount a. MinimumopeningBalance b.Interest Rate c. Maintenancefee d.Paperwithdrawal/Manual debit e.Depositfee N/A a.$20.00 b.1.00% p.a. c. $2.50 d.$4.00each e.$2.00p/transaction after the first 4 deposits N/A N/A

Page | 3 Commercial Banks’Interest Rates, Fees s Charges March 2026 14. PlusSaverAccount a. Minimum OpeningBalance b.Interest Rates: • Base • Bonus c. Monthly maintenance fee d.Manualtransactionfee N/A a.$20.00 b.1.0% 1.50% (if no withdrawalsCat least 1 deposit within themonth) c.Nil d.$4.00p/transaction N/A N/A 15. Kids SavingsAccount a. Minimumopeningbalance b.Monthly maintenance fee c. Interest rate d.Manualtransactions N/A a. $10.00 b.Nil c. Nil(1.0%pa+3.0% bonus if no withdrawalsCat least 1 deposit withinamonth) d.$3.00p/transaction N/A N/A 16. CommercialCash Management a. Minimumopeningbalance b.Interest rates c. Monthly maintenance fee d.Manualtransaction N/A a.$100,000.00 b.1.0% p.a. on min. balanceof$100kor above.Paid atend of each month c.$7.50. Normal chequeaccount monthly maintenancefee will apply when balancefallsbelow $100kwithinthe month d.Nil. Normal cheque account transaction fees will apply when balancefallsbelow $100k N/A N/A 17. Government Account/Non-Monetary a. Minimumopeningbalance b.Interest rate c. Monthly maintenance fee d.Depositfee e.Withdrawalfee N/A a.$300.00 b.0% c. $5.00 d.Free1 st25deposits, $0.20perdeposit thereafter e.Free1 st25cheques withdrawal,$0.20 percheque thereafter N/A N/A 18. BSP First a. Minimumopeningbalance b.Overdraftlimit(accessto Visa Silver card) c. Interest rate on OD d.Monthly service fee e.LACfee N/A a. Nil b.$10,000.00 c.17.95% d.$20.00 e.0.15%ofoverdrawn balance N/A N/A 19. TRANSACTIONAL ACCOUNTS: a.AccessEverydayAccount • OTC(Staffassisted withdrawal)fee • Maintenance • Minimum OpeningBalance • Interest • $5.00 • $2.50pm • $50.00 • Nil N/A

Page | 4 Commercial Banks’Interest Rates, Fees s Charges March 2026 b. AccessPremiumAccount • OTC(Staffassisted withdrawal)fee • Maintenance • Minimum OpeningBalance • Interest • Free • $12.00pm • $50.00 • Nil N/A 20. SAVINGSACCOUNTS: a. PacificSavingsAccount • OTC(Staffassisted withdrawal)fee • Maintenancefee • Interest Rate • Minimum openingbalance • Minimumbalancetoearn interest • $5.00 • N/A • $0-$99.99:0.0%; • $100+:0.40 • $50.00 • $100.00 N/A b. Priority Cash ManagementAccount • Minimumopeningbalance • OTCfee • Interest • $50.00 • $5.00pertxn • 0–$4,999:0.4% • $5K–$9,999:0.40% • $10K–$19,999:0.4% • $20K+:0.40% N/A B. CHEQUE ACCOUNTS ANZ BSP NBS SCB

  1. Interest rate Varies Nil Nil ExceptHVCinterestbearing accounts Nil Specialaccounts- varies 2.Minimumopening balance • $500.00 when opening a new cheque account • $300.00when opening a new chequeaccount • $500.00whenopeninga new cheque account • $300.00Personal • $500.00joint • $1000.00 Business 3.Depositfee N/A • First25deposits free • $0.20per deposit thereafter. N/A N/A 4.ChequeWithdrawalfee N/A • First25cheques free • $0.20p/cheque thereafter N/A N/A 5.GeneralAccountLedger fee/ Transactionfee/Base feeand/or Maintenancefee • $5.00 maintenance feeforholding anaccountper month • $7.50monthly • $5.00monthly • $5.00charged monthlyto account 6.Activityfee/Collectionfee N/A • $0.20per transaction(first 10chequesfree) • $0.10peritemdrawnor depositedinexcessoffirst 20 items per month • $0.20debitedat the endofeach quarter and at close for each transactionin excessof15for thatmonth. 7.Searchfee • $50peritem • $50.00perhour • $20.00lessanhouror $50.00perhour+ photocopy • $20.00perhour (withinfin/yr) • $50.00p/hrif previousyears 8.Dishonouredfee-Inward N/A • $5.00 • $20.00ifre-lodgeby staff • $40.00lackof funds • $20.00 irregularities

Page | 5 Commercial Banks’Interest Rates, Fees s Charges March 2026 G.Dishonouredfee￾Outward N/A • $45.00 insufficient fundsCallother irregularities • $40.00Lackoffunds • $20.00Technicalerroror irregularities N/A 10. Cheque book a. 25leaves b. 50leaves c. 100leaves d. 200leaves Personalized a) 25 leaves b) 50 leaves c) 100 leaves d) 200 leaves a. N/A b. $75.00 c. $150.00 d. $300.00 Inclusive of government stampduty $0.50per leaf. N/A a. $17.50 b. $35.00 c. $70.00 d. $140.00 Inclusiveof Government stampdutyof $0.50perleaf N/A a. $17.50 b. $35.00 c. $70.00 d. $140.00 Inclusive of government stamp duty of $0.50 per leaf N/A a. $37.50 b. $75.00 c. N/A d. $200 a) $37.50 b) $75.00 c) $130.00 d) $200.00 11.Special answer N/A • $20.00(Items deliveredto anotherbranch orbank.) • $20.00whenacustomer requestsimmediate clearance of a cheque • $20.00whena customerrequest immediate clearanceofa cheque on another bank. 12.SpecialAuthority NA NA • $20.00whenacustomer at overseas request to withdraw or transfer fundstoanotheraccount NA 13.Counterchequefee N/A • $0.70perleaf • $5.00aleaf • $1.00 C. TIMEDEPOSITS ANZ BSP NBS SCB 1.Minimumopening balance • $500.00 • $1,000.00 • $500.00 • $500.00 2. Maturityperiods a. 1-2months b. 3<5months c. 6 -11months d. 9 – 12 months e. 12monthsandover f. LargeDeposits a. 0.50% p.a. b. 0.75% p.a. c. 1.0% p.a. d. N/A e. 1.75% p.a. f. N/A a. 1.25% p.a. b. 1.50% p.a. c. 2.0% p.a. d. N/A e. 2.50% p.a. f. N/A a. 1.75% p.a. b. 2.0% p.a. c. 2.50% p.a. d. N/A e. 3.0% p.a. f. Specialrateonrequest with max of 3% a. 1.50% b. 1.75% c. 2.0% d. Same as above e. 2.65% f. N/A 3.Penalty(earlywithdrawal adminfee) • $25.00min • $50.00 • $50.00 • $20.00 • $50.00 14.Chequewithdrawal withoutbankaccount N/A N/A • $10.00 N/A Automatic Transferfee • • • $1.50 per transaction whenaccountiswithin thebank • $5.50pertransaction whenaccountisother institutions. • 15.StopNoticeFee– lost chqs N/A • $10.00lost cheque • $20.00 • $10.00 16. Cash Handling Fee N/A • 0.1%

Page | 6 Commercial Banks’Interest Rates, Fees s Charges March 2026 4.Earlywithdrawalinterest charged • 50.0% off the applicable interestrate at the time of investment. • $25.00 minimum Nil • 1.0% • 1.5% NOTE Theaboveratesaresubjecttofurtherchangesasdeterminedbythecommercialbanksfromtimetotimedependingon market conditions.Further,interestratesareopenforfurthernegotiationsbetweenthebankandthecustomer. D. RETAILBANKINGFEES ANZ BSP NBS SCB

  1. Bankcheque • issuedat customerrequest • replacementbank cheque • repurchasebankcheque • $10.00 • $10.00percheque • $15.00Customer/non￾customer • $15.00 • $15.00refundingabank cheque • $9.50+$0.50 stamps duty (Customer) • $14.50+ $0.50 stamp duty (non￾customer) 2.CashingOtherBanks Cheques N/A N/A • $20.00special answer N/A
  2. Cash Handling fee • Changesupplied • $5,000orless: $5.00min, $25.00max Customer • 1%oftotal depositsof $20kand over(daily) Non-Customer • 1% of total withdrawals of$20kand over(daily) Customer • Upto$2000–Free • >$2,000to$5,000(max for coins) - $10.00 • >$5,000fornotesonly- $15.00 Non-Customer • Upto$2,000-$10.00 • >$2,000to$5,000max- $20.00 • 0.05%- $50kC morecashw/dls • $2.00min, $10.00max • Varies • NotesandCoinsServicefee • $20.00 • Poorlyarrangedlodgements • $5.00min $25.00max • $10.00 • Money TransferCo • $20.00 • $10.00percash withdrawal 4.CertificateofBalance • $50.00 Nil • $30.00 • $50.00 5.CertificateofInterestPaid or Received for audit purposes Nil • $50.00 • $50.00 • $50.00 6.Certificate – Photocopy/replacement Nil Nil • $10.00 Nil 7.Certificatesupplied(Audit confirmation) • $50.00 • $50.00 • $50.00 Nil 8.Otherconfirmations(when requested to include in auditconfirmations) N/A N/A • $20.00peritem N/A G.Searchfee(Voucher retrieval) N/A • $50.00perhour • $20.00lessanhour • $50.00perhour • $20.00perhour – TracingCconfirm destinationofacheque • $20.00perhour (retrieval period withincurrent year) • $50.00perhour (retrieval period beforecurrent year) • Nil • Surrenderofpaidcheque Nil Nil
  3. AutomaticTransferfee N/A • $2.00internal • $5.00external • $1.50internal • $5.50external • $1.00internal • $5.00external

Page | 7 Commercial Banks’Interest Rates, Fees s Charges March 2026 11. ManualTransfers N/A • $5.00-internal • $5.00-external • $3.00internal • $10.00external N/A 12. Transferofcashusing ManagementSuspense Account(MSA)account N/A N/A • $15.00 N/A 13. Faxmessages • $20.00 Nil N/A N/A 14. Printoutfee • $3.00per printout • $2.00perpage • $3.00p/page (statementrequest) • $2.00-FCYa/cs, • $3.00p/page-Special Request(daily,weekly, monthlyCquarterly) • $2.00perpage 15. Photocopy N/A • $2.00percopy • $3.00perpage • $1.00percopy 16.PhotocopyofRetrieved Vouchers/Cheques(per item) N/A N/A • $3.00perpage+search fee N/A 17.SafeCustodyfee N/A 18. ThirdParty/Cheque deposit N/A N/A • $2–3 rdpartydepositto Businessaccounts • $1–3 rdpartydepositto Personalaccounts N/A 1G. NotesExchangefee N/A 20. CoinExchangefee N/A • $3.00acoinbag N/A • $15.00–Non￾Customer 21. ConfirmationofBalance onbehalfofacustomer N/A • $5.00 • $30.00 • $20.00 22. Payrollfee (payment fromlist) (thru ATS) • Diskpayprocessingfee (payment from disk) • $0.20per transaction • $0.50per customer • $0.15per customer • $0.50perperson • $10.00totransferfunds to other banks • $10–processto otherbanks • $20– Latefee 23. Standingorder: • Rejection fee • Amend • Establishment/maintenance fee • Transfer to internal account • Transfer to internal loan a/c • Transfer to other banks • Transferviatelegraphic transfer • Non-paymentfee • Free • $0.50 • $0.50 • $5.00 • $60.00 • $7.50 Nil • $2.00 • Free • $25.00 Nil • Free • Free • $2.00 • $2.00 • $2.00 24. LodgementBooks (Deposits) • $10.00smallC duplicatebook • $35.00largeC triplicatebook • $5.00small • $30.00large • $6.00small • $25.50large • $6.00small • $8.00large • $22.00A4size 25. Latepaymentfeefor creditcards Nil • $20.00 N/A N/A 26. Statements • Issuedwhenfull • Computer printout • Interimissuedupon customerRequest • Repeatstatement(each additionalcopy) • Specialrequestforissueof statement(daily,weekly, f/nightly,etc) • Specialrequesttolookup specifiedentries • Free • $2.00 • $2.00 • $2.00 • $2.00 • $2.00perpage • $3.00perpage • $2.00perpage • $3.00permonth • $3.00ofccyp/pageof FCYa/cs • $2.00perpage 27. Creditcard–cash advancefee N/A 28. Backupstorage N/A 2G. PensionPayoutfee N/A N/A • $2.00 N/A

Page | 8 Commercial Banks’Interest Rates, Fees s Charges March 2026 E. LOANANDOVERDRAFTACCOUNTS ANZ BSP NBS SCB Prime/BaseLendingRate Nil Nil • 9.5% • 8.50%(subject tochange dependingon market conditions) Interest(Risk)Margin • Thisisrelative to the customer’s creditrisk grading • 0.0%- 3.0% • 0.25% – 6.5% • 0.5%–5.5% I. SMALL LOAN

  1. InterestRate • Decommission ed in May 2017 N/A • 20.0% flat N/A
  2. Current maximum limit N/A N/A • $3,000.00 N/A
  3. Application/Approval/ Establishment fee N/A N/A • $20.00feeif loan approved N/A

Maintenance/Administratio n fee N/A N/A • 3.0% flat on approved amount N/A 5. Guarantee fee N/A N/A • $45.00(1party) N/A II. OVERDRAFT

  1. Interestrate • Variable • Personal OD: 14.45% p.a. • Business OD: 7.95% p.a. • 9.50% • 8.50%p.a.plus • Riskmargin0.5% –5.5%
  2. Application/Establishment /Approvalfee Nil • Application-FREE • Establishment:

Personal/Busin ess – 2.0% of applied amount or $200 minimum • 2.0%of approved amount • $200minimum • 1.5%of approved amount.$100.00 minimum 3. Administration/Maintenanc efee N/A • $7.50p/month • $5.00monthly • 0-$4,999 $5.00 monthly • $5k-$49,999 $10.00 monthly • $50k-$149,999 $15.00 monthly • $150K & above 0.01% per month 4. Excess/Unarranged OD fee • $30.00 Nil • 1.0%onexcess • $40.00minimum • 1.5%of approved amount,$50.00 minimum 5. Service (Management) fee • 0.125%per month on limit or OD balances whicheveris higher. • $15.00 minimum (OD Line Fee) • Personal OD: 10.0% on principal amount p/month • Business OD: 15.0% on principal amount • 0.0833% per monthwhenOD is operating within approved limits. • 0.1666% per monthwhenOD is operating above approved limit N/A

Page | 9 Commercial Banks’Interest Rates, Fees s Charges March 2026 6. Defaultrate/ Penalty interest • 3.0% +3.0% on excess overapproved limit (Accounts with limits) • 18.0% p.a. on excess (Accounts withoutlimits) • 3.0%on excess amountin additionto existingInterest Rate • 3.0% 7. Annualrenewalfee N/A Nil • 2.0% of full amount ($200 minimum) • $100.00Personal • $200.00 Business ANZ BSP NBS SCB III. TERMLOAN A. PERSONALLOAN

  1. Lending rate • 12.50% p.a. Secured • 15.50%p.a. Unsecured • PersonalLoan Unsecured (PLU)– 14.45% (fixed) • PersonalAsset Loan(PAL)- 12.40% (fixed) • Personal Property Investment (PPI) – 7.25% (variable) • Variable,depend on security C servicingability • 15.0% p.a. 2.MaximumlimitforPersonal loan • $20,000 unsecured • $40,000secured • PLU-$40,000 • PAL-No limit (subjectto qualifying criteria) • PPI–Nil • Secured–nolimit subjecttocriteria • Unsecured- $10,000 • $30,000 3.Application/Establishment/ Approvalfee • $275.00 unsecured • $550.00secured • PLU/PAL/PPI - 2.0% ofappliedamount or$200 minimum • 2.0%ofapproved amount • $200minimum • 1.5%of approved amount. $50.00 minimum if total loan is <$10k, $100.00 minimum if total loan is >$10K 4.Administration/Maintenance fee • 0–4,999:$5 • 5,000–49,999: $10permonth • PLU/PAL/PPI - 0.15%ofmonthly principal Nil • $5.00monthly (0<5k) • $10.00monthly (>5K<20K) 5.Guaranteefee Nil Nil • RefertoOtherBig Loans • $20.00 (1 party) + $20.00s/duty 6.Penaltyfee Nil • PLU/PAL/PPI - +3.0% on actual interest to be chargedon arrears; charged after 7 th day of arrears. Nil Nil B. OTHERTERMLOANS

Page | 10 Commercial Banks’Interest Rates, Fees s Charges March 2026

  1. InterestRates • Residential property investmentloan: VARIABLE • Term Loan: VARIABLE • Lease Finance – CurrentLeasing Rate:FIXED(No longeravailable tonew customers) • 6.79% N/A • FinanceLeases (FL): 10.13%p.a. (FIXED) • TailoredBusiness Loans (TBL) – 7.95%p.a. (VARIABLE) • HomeLoan Mortgage (HLM): 7.25%p.a. (variable) • HomeLoan Professional(HLP): • Options:6.50% fixed for 1 year then 6.75% variable thereafter;or • Commercial Property Investment(CPI)– 7.95%p.a. N/A • 9.5%base rate subjectto risk criteria • 9.5%subjectto riskcriteria • 8.50%+Risk margin • 8.50%+Risk margin • 12.0% a. BusinessLoan/General Finance b. Home Loan c. Vehicle Loan
  2. Application/Approval fee a. Business loan/Gen Finance b. Home loan • 1.5%approval amount,min$375 • $700 • FL–Nil • TBL-2.0%oftotal approvedloan • CPI –2.0% of appliedamount or $200minimum • HLM/HLP – 1.0% of appliedamount or $200minimum • 2.0%ofapproved amount • Minimum$200 • 1.5%ofamount approved • $100.00 minimum
  3. LoansAdmin/Maintenance fee • $0-$4,999:$5.00 • $5K-$49,999: $10.00 • $50K-$149,99: $15.00 • $150K+: 0.01% per month (Business / GenFin) • Housing:Nil • TBL/CPI:0.15% of monthlyprincipal • HLM/HLP/FL: Nil • 0.0% p.a. on approvedamount • 0-$4,999:$5.00 monthly • $5K-$49,999: $10.00monthly • $50K-$149,999: $15.00monthly • $150K+:0.01% monthly
  4. Documentationfee a. Loanagreement b. Preparationofsecurity (Settingbankpriority) c. Insurance premiums d. Insurance policies e. Guarantees a. N/A b. Refer to Solicitor c. Nil d. Nil e. 2.0%oforiginal amountand 1.0%every6 months thereafter. a. $20.00stamp duty b. $25.00security over term deposit c. Nil d. Nil e. $30.00per guarantee + $20.00stamp duty a. Nil b. Nil $50.00 c. Nil d. Nil e. $20.00per item $45.00(1 party) $75.00(2 parties) $90.00(3 parties) $120.00(4 a. Nil b. $30.00 c. 1.5% of insurance amount. $50.00 minimum d. Nil e. $20.00per item $40.00(1 party) $50.00(more than3parties)

Page | 11 Commercial Banks’Interest Rates, Fees s Charges March 2026 f. Witnessingfee(solicitor) f. Nil f. $50.00 partiesor more) f. $50.00 plusstamp duty f. Nil 5. Dischargefeeunderbank￾seal • $300.00toarrange discharge of any securityby solicitor • $50bank dischargefee • $25.00 to arrange discharge of any securitybysolicitor • $300.00 • $75.00 bank discharge documentation • $75.00 6. Servingdemand • $20.00when preparingnoticeof demand • $300.00when preparing noticeof demand (all costs includingplaintiff’s fee) • $200.00when preparingnotice of demand TownArea:Zone# 1

  • $20.00 • Apia–Vailele • Apia–Vaitele • Apia–Vaoala • Apia–Siusega Zone#2-$30.00 • Letogo–Falefa • Saina– Mulifanua Zone#3-$40.00 • Falefa – Atu Aleipata,Atu Falealili,Atu Safata, Mulifanuaagai atuiFalelataima le Atu Lefaga • Vaoala–Tiavi￾Siumu • Siusega–Aleisa –Lefaga Zone#4-$60.00 • Manono Tai • Savaii
  1. Unpaidtransfer Nil
  2. Informationservice fee (credit check) Nil Nil • $20.00 G. Opinionfee NIL • $10.00forlocal purposes • $25.00overseas requests • $30.00incurrency ofcountry requesting • $20.00
  3. Default/Penalty/Excessrate • 3.0%p.a. • FL–Nil • HLM/HLP/TBL/CPI - 3.0% on actual interest to be chargedonarrears; after 7th day of arrears. • 3.0% p.a. • 3.0%penalty fee
  4. Loanarrears Nil

Page | 12 Commercial Banks’Interest Rates, Fees s Charges March 2026 12. Annualrenewalfee • accountoperatingasarranged • accountoperatingoutside arrangement Nil • $10.00 • 1.25%on renewal,$40.00 minimum 13. Loanrestructurefee Nil Nil • 2.0%of approved amount,$200.00 minimum Nil 14. Commitmentorholdingfee Nil 15. SearchesofGovernment records NIl Nil 16. Inspectionoflandvaluation • Based on quotationfrom valuerontheANZ panel Nil • $50.00Minimum • ZoneA(Town Area)$50.00 • ZoneB(Urban Area)$100.00 • ZoneC(Rural Area)$150.00 17. Bidguaranteeoftender Nil Nil • $50.00perletter • Processing fee is $200.00 per contract 18. Performance bank guarantee(unconditional) • 2.0% of original amountand1.0% every6months thereafter • Establishmentfee: 1.0% approved amount • Guaranteefee: 1.0% approved amountevery6 months • 2.0%ofapproved amount • 1.5%ofamount guaranteed+ processingfee $200.00 1G. Feeforwithdrawing (cancelled)loansalready approved Nil Nil • $250.00flatrate • $200.00 20. Insurancerenewal Nil Nil • 2.0%of approved amount,$200.00 minimum Nil NOTES i. All banks’ lending rates are calculated daily and debited or charged to the customers loan or overdraft account on a monthly basis. ii. Risk margins are based upon customer’s loan grade and are added to the base lending rate to ascertain the applicable interest rate. iii. Small loans are mainly consumption type loans that banks approve up to a certain limit and interest rates are calculated on a flat rate basis. The effective interest rate would be much higher than the figure shown. (For more information, customers may consult their banks). iv. Defaultrateischargedabovetheapplicableinterestrateondefaultloans/overdraftsaccounts(i.e.baserateplus riskmarginplusdefaultrate).

Page | 13 Commercial Banks’Interest Rates, Fees s Charges March 2026 F. INTERNATIONALFEES AND CHARGES ANZ BSP NBS SCB I. INWARD PAYMENTS

  1. Cash payments • $0.20per transaction: Directdebit schedulestoANZ customersby Disk-pay • $1.00per transaction: Paymentfromlist • $10.00perlistto otherbanks • $15.00Inwards TT(from overseasC localbanks) • $10.00of Currency: (creditto foreign account) • $30.00of Currency: (Transfer/ credit tolocal banksinforeign currency) • $15.00(non￾customer,pay onapplication CID) • $30.00of Currency: (Return funds) • $20.00+$10– for cheque fee (credit to other local banks on SATcurrency. • $15.00customers • $20.00(Otherbanks customersviaswift) • $15.00customer • $25.00other banks(viaswift) • $30.00other banks(viabank cheque)
  2. Coverswap • $30.00of currencyplus communication costs Nil 50% Commission/Foreign Accounts • $25.00cover swaps to other banksplustelex costs. On any amount.
  3. EncashmentofForeign Cheques • TC-$5.00of currencyper transaction Nil Nil • $60.00forboth CC and TC
  4. (T/cheques,Cashier’s cheques,M/Order) • CC - .00 of currencyper cheque+$0.50 s/duty • MO–Nil Nil • MO- Nil
  5. MediaBroadcasting N/A Nil Nil N/A
  6. FaxRequestforFund • $30.00 • Nil Nil • $20.00
  7. Verification/Check Clearancefromotherbanks Nil • $50.00 (collection) NIl • $15.00
  8. Saleoftravellers’cheque Nil NOTE: Internationaltransactions may be subject to stamp duty.

Page | 14 Commercial Banks’Interest Rates, Fees s Charges March 2026 ANZ BSP NBS SCB II. OUTWARDPAYMENTS

  1. Bankdraft • Repurchase: $20.00 • Stoppayment: $20.00 • Nil Nil • $10.00 commission + $0.50stampduty
  2. Telegraphictransfer • Pacificcountries • Othercountries • Minorcurrencies-JPY, Yen,etc) • $60.00Outward TT’s • $13.00InwardTT's • $25.00InwardTT's • other banks • $25.00standard (localcurrency a/cs) • $30.00standard (foreign currencya/cs) • $20.00(NZD,AUDC FJD) • $25.00USD • $6.00EURtransfers • $5.00GBPtransfer • $30.00(swift costs=$20/com- $10) • $40.00(swift costs=$30/com- $10) • $40.00(swift cost=$30/com-$10
  3. Repurchase/replacedand reissueofoutwardpayment (Bank Draft) • $60.00 Nil N/A • $20.00eachitem
  4. CoverSwap • $30.00ofcurrency Nil • 0.50%Commission Nil
  5. StopPayments -Drafts • $60.00ofcurrency +international bank feesC charges Nil N/A • USD$20.00 • WST$20.00
  6. Inter-banksettlement N/A Nil • $20.00 N/A
  7. Paymentwithmultiple beneficiaries N/A • $25.00peritem listing N/A N/A
  8. Swiftcancellation/Refunds N/A • $20.00 N/A N/A III. LETTEROFCREDITS(LCs)
  9. LCs –Establishment/ Issuance • Standby LC • 1.75% (minimum $50.00) • 0.50%perLC+ cable cost of $50.00 • 0.50% STamount+ commissioncost • minimumST$70.00 • 1.5% • 0.50% commission • $60.00minimum
  10. HeadandCounter Nil • 0.50%, $70.00 minincl.cable costs. • 0.5% Nil
  11. IncreaseofAmount Nil • $50.00 • 40.0%or$25.00min+ commcosts • $20.00+Swift costs+overseas fee if any
  12. SwiftCharges/Costs/Fee • $60.00 • $50.00 (extensionof validity date) • $20.00 • $20.00Pacific (NZD,AUD,FJD) • $30.00Other (USD,etc) • $30.00minorccy
  13. Amendment • $1.75% (minimum $50.00)on increasedamount • $50.00 (extensionof validity date). • $50.00extensionof validitydate • $30.00 commission+ SWIFTcharges
  14. Commission Nil • $50.00minimum
  15. Extension Nil • $50.00 • $20.00 • $30.00+SWIFT charges
  16. Dishonours Nil Nil • $15.00 • $30.00+Swift cost+overseas fee if any. G. ReimbursementFee • Discrepancies • Nil Nil • $10.00 Nil
  17. Indemnity • NIl Nil • 1.0% Nil
  18. Expired Nil • $50.00 • 1.0% Nil
  19. Advising • $100.00 Nil Nil NIl
  20. MultipleDrawing Nil Nil • 1.0% Nil

Page | 15 Commercial Banks’Interest Rates, Fees s Charges March 2026 ANZ BSP NBS SCB IV. EXPORTDOCUMENTARYCOLLECTION(EDC)

  1. Advising-New • $40.00
  2. Handling fee • 0.75% (minimu m $150.00) • 0.50% min $50,max $1,000 N/A N/A
  3. Dishonours N/A • $30.00allccy N/A N/A
  4. Representation N/A • $30.00 N/A N/A
  5. Extensionofterm N/A • $30.00 N/A N/A
  6. Lettertooverseasbankfor fate N/A • $20.00 N/A N/A
  7. Letter of exporter fate bill N/A • $20.00 N/A N/A
  8. Exportlicense confirmation to Centra Bank N/A • $20.00 N/A N/A G. Dpcumentary Collection– Outwardcollection • 0.50% (minimum $50.00) V. IMPORTDOCUMENTARYCOLLECTION 1.Issuance • 0.50% (minimum $50.00) N/A 2.Amendment -extension of expirydatebeyond6months (from date of issuance) Increaseinamount • 0.50% minimum ($50.00) • 0.50% (minimum $50.00)on increas ed amoun t N/A 3.Acceptanceoftermdrawings • 0.125% per month orpart thereof (minimum $50.00) N/A 4.Revolvingcredit • 0.50% (minimum $50.00on application and onany reinstated amount N/A 5.Documentary collection - Inwardcollection 0.50% (minimum $60.00) N/A VI. EXPORTDOCUMENTARYLETTEROFCREDIT(EDLC)
  9. Export letter of credit N/A • On application N/A N/A
  10. Advisingofterm N/A • $50.00 N/A N/A
  11. Advisingofamendments N/A • $25.00 N/A N/A

Negotiations/doc ument handling N/A • 0.50%min $30, max $1,000 N/A N/A VII. TRANSFERRABLELETTEROFCREDIT(TLC)

  1. Simple transfer N/A • $100.00 N/A N/A
  2. Involved transfer N/A • $200.00 N/A N/A
  3. Headandcounter N/A • On application N/A N/A
  4. Standby N/A • On application N/A N/A VIII. LOCAL CURRENCY REFINANCE (LCR)
  5. Establishment N/A • $50.00 N/A N/A
  6. Interestrate N/A • Asappliedon customer loan or OD a/c. N/A N/A

Page | 16 Commercial Banks’Interest Rates, Fees s Charges March 2026 3. Extension N/A • $50.00 N/A N/A 4. Prepayments N/A • $50.00 N/A N/A IX. FOREIGN CURRENCY FINANCE (FCF)

  1. Establishment N/A • $100.00+ interest at primerates
  • marginof 1.50% N/A N/A
  1. Extension N/A • $100.00 N/A N/A
  2. Prepayment N/A • $100.00 N/A N/A X. AIRWAYBILLANDBILLOFLADING
  3. Establishment N/A • 1.50%min $50, +stampdutyof $10.00 N/A N/A
  4. Outstanding guarantee N/A • $15.00per month N/A N/A
  5. Shipping guarantee/ Airwaybillrelease • 1.75% (minimum $60.00) • X. OVERSEAS COLLECTION INWARD (OCI) OR DOCUMNENTARY COLLECTIONS (IDC)
  6. SightsTerm • Nil • Nil • 0.35%or $50.00 minimum+ transmission cost • 0.25%p.a.ifover • $25.00minimum
  7. Handlingfeecollection • Nil • 0.35% or $30.00 minimum • $10.00perfateadvice • $45.00per Sight/Term Draft
  8. Dishonour/Representation /ExtensionofTerm • $25.00 • $30.00 • Nil • $30.00 • Changeto$30.00
  9. AirMailPostage(AMP) • $0.50stampduty • $5.00 Nil Nil
  10. Endorsement(Guarantee)of bill • Nil • 0.50% or $70.00min Nil • $50.00
  11. Late/Overdue payment • $20.00(Sight Draft) • $30.00(Term Draft) • $30.00per month • $20.00p/month (sight) • $20.00 p/month (term) • $50.00permonth for both sight C term.
  12. Notingandprotesting N/A Nil • $20.00 • $50.00
  13. SwiftCost • T$40.00Pacific • T$50.00NZC Aust • T$60.00USC other • $50.00 (remittanceof payment) • $20.00:(NZD,AUD, FJD) • $20.00:(USD) • $70.00:(minor currencies) • $20.00Pacific countries • $30.00Other countries • $30.00Minor currencies G. Clean Nil
  14. Documentary Nil Nil NIl • 0.25%or $25.00 minimum+swift cost.
  15. Documentarywithdrawn Nil Nil • 0.25%or $50.00 minimum • $30.00
  16. (i)CleanWithdrawn collection (ii) Indemnity • $50.50NZ/AUST- • $50.00WST Nil • 0.5% or $50.00 minimum+swiftcost • $30.00
  17. Chequesendsforcollection basis • 0.375% of the actual cheque amount • CourierPacific: $70.00 • Courier US / Othercountries: $80.00 Nil • $20.00 N/A
  18. Partialpayment N/A • 0.5%or$30 minimum N/A N/A

Page | 17 Commercial Banks’Interest Rates, Fees s Charges March 2026 XI. FINANCE

  1. Acceptance N/A N/A • 1.25%p.aSAT amount(0.1% per monthofpart thereof) Nil
  2. Latepayment N/A N/A • 2.5%+extensionfee $25.00+acceptance 1.25% • $30.00per monthforboth sight C term
  3. Interest N/A N/A • 10.0% Nil XII. FATING
  4. After Advice Nil Nil • $10.00 • $20.00
  5. (i)LatePaymentfee (ii) Sight Term Nil Nil • $15.00monthly (sight) • $25.00monthly (term) • $30.00p/month forbothsightC term
  6. IssuingshippingGuarantee Nil Nil • $50.00 • $50.00foropen a/c • $40.00forLCs • $40.00forICs
  7. OutstandingShipping Guarantee Nil Nil • 1.0% SAT amount or $20.00minimum • $50.00monthly for all types
  8. Faxing(correspondence) Nil Nil • $10.00 • $10.00 XIII. INWARD DOCUMENTARY CREDITS
  9. Negotiationinforeign amount Nil Nil • 0.25%commission • $50.00minimum • $100.00maximum • 0.5%or$50.00 minimum, $100.00 maximum
  10. NegotiationinTalaamount Nil Nil • 0.375%commission • $50.00minimum • 0.5% commission • $50.00 minimum
  11. Postage/Courier • As per destination Nil • Prevailingcourier cost + 10.0%. • $50.00 minimum XIV. FOREIGN CURRENCY ACCOUNTS
  12. Monthlyfee • USD$5.00 • NZD $5.00 • AUD$5.00 • EUR€5.00 • EUR-$20.00 • GBP-$20.00 • $30.00percurrency • USD$50.00min monthly • NZD$50.00min monthly • AUD$50.00min monthly
  13. Quarterlyfee Nil • USD- $20.00 • NZD- $30.00 • AUD-$25.00 Nil Nil
  14. Cash Lodgment • 1.0%valueof Deposit Nil • $100.00ofthe currency • Notaccepted
  15. Foreignchequedeposit • $5.00+$0.50 stampduty • $10.00plus $0.50stamp duty) • $10.00commission +$0.50stampduty • $50.00per cheque
  16. Foreignchequecollection • 1.0%valueof cheque Nil • On application Nil
  17. Inwardremittances Nil Nil • $10.00ofthecurrency of the account • T$15.00any amount
  18. Outwardremittances Nil Nil • $20.00ofthecurrency of the account • SwiftcostC c/sion (T$20.00+T$10.00 if NZD/AUD/FJD). • SwiftcostC c/sion(T$30.00+ T$10.00 if USD)

Page | 18 Commercial Banks’Interest Rates, Fees s Charges March 2026 8. Account closure Nil • $50.00(Within 3 months of opening) • $20.00(After monthsof opening) • On application Nil G. ForeignTermDeposit:Early Termination Nil • $100.00of currency courierfees Nil Nil 10. Transfertointernal account/deposit/withdrawal N/A • $10.00per currency N/A N/A XV. FORWARD EXCHANGE CONTRACT

  1. Newcontract N/A • $30.00 Nil N/A
  2. Extensions N/A • $30.00 Nil N/A
  3. Cancellation N/A • $30.00 + any foreign currency exchangeloss incurredbythe bank Nil N/A
  4. Delivery(inexcessof5 p/contract) N/A • $10.00partial delivery Nil N/A G. ELECTRONICTRANSACTIONS(ATMFEES) ANZ BSP NBS SCB I. PREMIUM ELECTRONIC ACCOUNT
  5. Elctronic transaction N/A • Free unlimited electronic transaction N/A N/A II. CHEQUE ACCOUNT
  6. Electronictransactions N/A • 12FREE electronic transaction s then • $0.50per transaction thereafter N/A III. PACIFIC STANDARD ACCOUNT
  7. ATMwithdrawal N/A • $0.50 N/A N/A IV. PACIFIC PACKAGE ACCOUNT
  8. Electronic transaction N/A • 8 free then $0.50 thereafter V. PLUSSAVERACCOUNT
  9. Electronic transaction N/A • $0.50per transaction VI. KIDSSAVINGS
  10. Electronic transactions N/A • 6 free then $0.25per transaction N/A N/A VII. ACCESS EVERYDAY ACCOUNT
  11. Electronic transaction fee $0.25 p/transaction N/A VIII. PACIFICSAVINGSACCOUNT
  12. Electronic transaction • $0.25 p/transaction N/A IX. PRIORITY CASH MANAGEMENT G. Electronic transactions • $0.25 p/transaction N/A X. SAVINGS/ACCESSACCOUNTS
  13. Electronicwithdrawal • $0.25 p/transaction (Businesses C Personal Chq acct) Nil • $0.50 p/transaction $0.50p/withdraw (MasterCard) $0.50 p/transaction after 5 free items.

Page | 19 Commercial Banks’Interest Rates, Fees s Charges March 2026 11. Cashtransaction–ATMwithdrawal Nil Nil • $0.50per transaction Nil 12. Business & Personal Cheque Accounts • 0.25 per transaction • 12. ATMMaintenancefee Nil • $2.00charged monthlyto account 13. ReplacementoflostATMcard $5.00 $5.00 • $5.00 • $5.00 14. Maintenancefee • $2.00monthly 15. RegenerationofPIN/ReissueofPIN • $5.00 • Free • $5.00 for 2 nd requestCmore • $5.00 16. Searchfee • $20.00 17. Queryfee Nil • $5.00(cash recapture) 1G. LocalATMchargeforwithdrawalson nonbank (A,B,N,S) branded card customers $15.00per transaction N/A InternationalATM withdrawal $10.00per transaction $15.00per transaction N/A N/A 20. InternationalATMbalanceenquiry • $4.00per transactio n N/A 21. Back-uptapesstorage • $300.0 0 p/month • N/A 22. ReplacementoflostVDCcard(local) • N/A $10.00 N/A N/A 23. ATMfeeforoverseasnon-customer cardholder • $15.00 N/A 24. ATMfeeforoverseascustomer cardholder Free • $15.00 N/A N/A 25. LostPacificCardsPINnumber • N/A $5.00 N/A N/A 26. LostEMVcardsPINNumber • N/A • $10.00 N/A N/A 27. CashAdvancefee-EFTPOS N/A • $15.00 N/A N/A 28. Schemebrandedinternationalcard N/A • N/A • $10.00per withdraw $2.00per balance enquiry N/A 2G. Datasim N/A • $10.00 appliedtoBSP merchants only) N/A • $20.00monthly 30. Merchantfee N/A • $0.20per transaction 31. My SCB Wallet a) Net banking Fee b) Scan & pay/ Funds Transfer c) Interbank transfer fee N/A • $2.00 • $0.50per transaction after5free itemsper Month • $5.00

Page | 20 Commercial Banks’Interest Rates, Fees s Charges March 2026 H. INTERNETBANKING ANZ BSP NBS SCB I. PERSONAL BANKING

  1. Internaltransfer a. PacificPackage Accounts(005) • Free a. 8free electronic transactions then$0.50 thereafter • $0.20pertransferin excess of 10 free transferpermonth N/A b. PacificStandard Accounts(026) b. $0.50 p/electronic transaction effective immediately c. PlusSaverAccounts (027) c. $0.50 p/electronic transaction and charge at end of themonth
  2. Externaltransfer a. PacificPackage Accounts b. PacificStandard Accounts c. PlusSaverAccounts • Free a.8free electronic transactions then$0.50 thereafter • $10.00perbank • $5.00 b.$0.50 p/electronic transaction effective immediately c.$0.50 p/electronic transaction and chargeatendof themonth II. BUSINESS BANKING
  3. Internaltransfers • Free Nil • IBinternaltransferfor Businessaccounts excludingMTO-$0.50 pettransaction • IBinternaltransferby MTOs - $2.00 N/A
  4. Externaltransfers • Free • 8free electronic transactions then0.50 thereafterfor personal account transactions • $7.50monthly feebusiness account transaction • Transferfundstoother banks-$5.50perbank +$0.20pertransaction • IB Bulk transfer payment–0.20cper transaction • $5.00
  5. Cross currency transfer • $16.00 • $30.00 N/A N/A
  6. Internetbanking-Payrollto other banks • $16.00 • $0.15 N/A N/A
  7. Internetbanking-Payroll within banks • Free • $0.15 N/A N/A

Page | 21 Commercial Banks’Interest Rates, Fees s Charges March 2026 III. INTERNATIONAL TELEGRAPHIC TRANSFERS

  1. International Telegraphic Transfers • $16.00 N/A IV. MAINTENANCE FEE
  2. Maintenancefee N/A • $2.00monthly I. MOBILE PHONE BANKING SCBSMS BANKING NBSEZISEND
  3. AccountBalances N/A Nil
  4. Transferoffunds betweenaccounts • $5.00-External Nil
  5. Transferoffunds-Persontoperson N/A Nil
  6. Viewrecenttransactions N/A Nil
  7. Topupwallet N/A Nil
  8. Goods purchase N/A Nil
  9. Cash out N/A Nil
  10. Transactionhistory N/A Nil G. Generatesendmoney N/A • $4.13pertransaction
  11. Redeemsendmoney N/A Nil
  12. Cashin N/A Nil
  13. Paybill N/A Nil J.TRANSACTIVEBANKING ANZ
  14. On-boarding fee Free
  15. Monthlymaintenancefee Free
  16. Transfersbetweenaccounts Free
  17. PaymentssPayrolltootherANZaccounts Free
  18. Paymentsandpayrolltootherlocalbanks Free
  19. Crossborderfunds transfers $16.00

Page | 22 Commercial Banks’Interest Rates, Fees s Charges March 2026 K. VISADEBITCARD ANZ BSP NBS (DEBITMASTER CARD)

  1. Cardissuance fee N/A Free
  2. Cardreplacementfee • $12.50 • $10.00 • $20.00
  3. Emergency card replacementfee • $30.00 • $30.00
  4. PINreplacementfee • $10.00 • $10.00
  5. Monthlyservicefee • $5.00
  6. LocalATMwithdrawals(ownATMs) • $0.50-$5.00 • $0.50 • $0.50
  7. LocalATMswithdrawals(otherBank’s ATMs) • $10.00 • $15.00 • $0.50ANZ • $15.00BSP
  8. Localbalanceenquiry(ownATMs) • Free • Nil G. Localbalanceenquiry(otherBank’sATMs) • $1.00 • $0.50ANZ • $2.00BSP
  9. LocalPOStransaction(ownPOS) • $0.50-$5.00 • $0.50 • $0.50 • (tap n go)
  10. LocalPOStransaction(otherBank’sPOS) • $1.00
  11. InternationalATMwithdrawalfee • $10.00 • $15.00
  12. InternationalATMbalanceenquiry • $1.00
  13. InternationalPOStransactionfee • $1.00 • $15.00
  14. 15.Cross-bordertransactionfee • 2.5%oftheamountin WST
  15. 16.SchemeBrandedInternationalcard N/A N/A • $10.00per withdrawal
  16. 17.SchemeBrandedInternationalcard N/A N/A • $2.00perbalance enquiry
  17. ANZSamoa(LocalVisaCard) N/A N/A Nilwithdrawal/ balance enquiry 1G. BSP(LocalVisaCard) N/A N/A • $15.00per withdrawal/nil balanceenquiry
  18. Internetpayment N/A N/A • $0.50per transaction
  19. Joiningfee N/A N/A • $65.001 st cardissue
  20. Annualfee N/A N/A • $65.00renewal
  21. Foreigncurrencyconversionfee N/A
  22. Nonbankdebitcardwithdrawalfeefrom bankATM N/A N/A • NZ$4.00per withdraw
  23. VisaDebitCardAnnualfee N/A
  24. EziBank Nil
  25. EziSend • $4.13per transaction
  26. Overthecounterpayrolltransfer • $10.00perbank NOTE: Theaboveinformationwasmadeavailablebythecommercialbanks andcustomersaretocontacttheirbanksfor further clarification.
Share