Notice No. 13/GBM/2017 of June 8 - Regime of Commissions and Charges for Financial Services and Respective Nomenclature (Annex)

ANNEX

COMMON NOMENCLATURE OF COMMISSIONS AND OTHER CHARGES

INDEX
A. BANKING ACCOUNTS
A.1. Current Account
A.2. Savings Account
A.3. Others
B. DEPOSITS AND WITHDRAWALS AT THE COUNTER
B.1. Deposits
B.2. Withdrawals
B.3. Others
C. BANK CARDS
C.1. Debit
C.2. Credit
D. ATM
E. POS
F. CHEQUES
G. TRANSFERS
G.1. National
G.2. International
H. DIRECT DEBITS, STANDING ORDERS AND OTHERS
H.1. Direct Debits
H.2. Standing Orders
H.3. Others
I. CREDIT
I.1. Rent Credit
I.2. Housing Credit
J. INTERNET BANKING
K. E-MONEY
L. IMPORT AND EXPORT REMITTANCES
L.1. Import
L.2. Export
M. IMPORT AND EXPORT DOCUMENTARY CREDITS
M.1. Import
M.2. Export
N. BANK GUARANTEES
N.1. National
N.2. International
O. OTHERS

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A. BANKING ACCOUNTS

A.1. Current Account

Code	Designation	Justification of Product/Service
2.1.1.	Account Opening / Deposit Establishment	Opening of a bank account in a credit institution and its respective funding
2.1.2.	Account Maintenance	Management of the bank account
2.1.3.	Account Inactivity
2.1.3.1.	Up to 12 months	Management of an account that does not perform transactions/movements for 12 months
2.1.3.2.	After 12 months	Management of an account that does not perform transactions/movements for a period exceeding 12 months
2.1.4.	Failure to maintain minimum balance	Absence of minimum balance in the current account
2.1.5.	Account Closure	Closing of the current account
2.1.6.	Balance Inquiry
2.1.6.1.	First inquiry of the day	First balance inquiry per day, at the counter, for the current account of individuals
2.1.6.2.	Subsequent inquiries of the day	Subsequent balance inquiries per day, at the counter, for the current account of individuals and entities
2.1.7.	Transaction Inquiry
2.1.7.1.	First inquiry of the day	First transaction inquiry per day, at the counter, for the demand deposit account
2.1.7.2.	Subsequent inquiries of the day	Transaction inquiry subsequent to the first, per day, at the counter, for the demand deposit account
2.1.8.	Statement Issuance
2.1.8.1.	First statement per month (1)	Production of the first complete monthly listing on paper support of the movements of a deposit account for the last 30 days, counted from the date of request, for individuals
2.1.8.2.	From 0 to 3 months (individuals)	Production of complete listing on paper support of the movements of a deposit account for a period of 3 months, for individuals
2.1.8.3.	From 3 to 12 months	Production of complete listing on paper

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Code	Designation	Justification of Product/Service
	(individuals)	support of the movements of a deposit account for a period of 12 months, for individuals
2.1.8.4.	Daily (companies)	Rate of issuance of daily statement generated by the system (available at the counter or sent by fax or email - monthly sending expense)
2.1.8.5.	Monthly (companies)	Rate of issuance of monthly statement generated by the system (available at the counter or sent by fax or email - monthly sending expense)
2.1.9.	Pledged current account / Authorized overdraft	Facility granted to the holder of a debit card to move the demand deposit account without there being provision of funds, leaving it with a negative balance
2.1.9.1.	Process Organization	Commission charged by the organization of the process of individual or collective client for obtaining the requested overdraft
2.1.9.2.	Immobilization	Commission charged to an individual or collective client for the non-use of the credit for a certain period and which consists of a percentage on the unused amount
2.1.9.3.	Interest Rate	Interest rate practiced in transactions associated with the overdraft

Note: (1) Referring to the last 30 days, counted from the date of request.

A.2. Savings Account

Code	Designation	Justification of Product/Service
2.1.1.	Account Opening / Deposit Establishment	Opening of a bank account in a credit institution and its respective funding
2.1.2.	Account Maintenance	Management of the bank account
2.1.3.	Account Inactivity
2.1.3.1.	Up to 12 Months	Management of an account that does not perform transactions/movements for 12 months
2.1.3.2.	After 12 months	Management of an account that does not perform transactions/movements for a period exceeding 12 months

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Code	Designation	Justification of Product/Service
2.1.4.	Failure to maintain minimum balance	Absence of minimum balance in the savings account
2.1.5.	Account Closure	Closing of the savings account
2.1.6.	Balance Inquiry
2.1.6.1.	First inquiry of the day	First balance inquiry per day, at the counter, for the savings account of individuals
2.1.6.2.	Subsequent inquiries of the day	Subsequent balance inquiries per day, at the counter, for the savings account of individuals and entities
2.1.7.	Transaction Inquiry
2.1.7.1.	First inquiry of the day	First transaction inquiry per day, at the counter, for the savings account
2.1.7.2.	Subsequent inquiries of the day	Transaction inquiry subsequent to the first, per day, at the counter, for the savings account
2.1.8.	Statement Issuance
2.1.8.1.	First statement per month (1)	Production of the first complete monthly listing on paper support of the movements of a savings account for the last 30 days, counted from the date of request, for individuals
2.1.8.2.	From 0 to 3 months (individuals)	Production of complete listing on paper support of the movements of a savings account for a period of 3 months, for individuals
2.1.8.3.	From 3 to 12 months (individuals)	Production of complete listing on paper support of the movements of a savings account for a period of 12 months, for individuals
2.1.8.4.	Daily (companies)	Rate of issuance of daily statement generated by the system (available at the counter or sent by fax or email - monthly sending expense)
2.1.8.5.	Monthly (companies)	Rate of issuance of monthly statement generated by the system (available at the counter or sent by fax or email - monthly sending expense)
2.1.9.	Pledged account / Authorized overdraft	Facility granted to the holder of a debit card to move the savings account without there being provision of funds, leaving it with a negative balance

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Code	Designation	Justification of Product/Service
2.1.9.1.	Process Organization	Commission charged by the organization of the process of individual or collective client for obtaining the requested overdraft
2.1.9.2.	Immobilization	Commission charged to an individual or collective client for the non-use of the credit for a certain period and which consists of a percentage on the unused amount

Note: (1) Referring to the last 30 days, counted from the date of request.

A.3. Others

Code	Designation	Justification of Product/Service
2.2.1.	Salary Payment	Commission charged to an employer client-entity for the management of the account used for the purpose of salary payment.

B. DEPOSITS AND WITHDRAWALS AT THE COUNTER

B.1. Deposits

Code	Designation	Justification of Product/Service
3.1.2.	Cash in NC and EM	Deposit of cash in national currency (NC) and foreign currency (EM)
3.1.3.	Cheque in NC and EM	Deposit of cheque in national currency and foreign currency

B.2. Withdrawals

Code	Designation	Justification of Product/Service
3.1.4.	OF NC
3.1.4.1.	With withdrawal slip	Withdrawal of cash in national currency using a withdrawal slip at the counter
3.1.4.2.	With normal cheque	Withdrawal of cash in national currency using a normal cheque at the counter
3.1.4.3.	With loose cheque	Withdrawal of cash in national currency using a loose cheque at the counter
3.1.5.	OF EM from an account

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Code	Designation	Justification of Product/Service
	denominated in NC
3.1.5.1.	With withdrawal slip	Withdrawal of foreign currency in the country with a withdrawal slip, at the counter, from an account denominated in national currency
3.1.5.2.	With cheque	Withdrawal of foreign currency in the country with a cheque, at the counter, from an account denominated in national currency
3.1.6.	OF EM from an account denominated in EM
3.1.6.1.	With withdrawal slip	Withdrawal of foreign currency in the country with a withdrawal slip, at the counter, from an account denominated in foreign currency
3.1.6.2.	With cheque	Withdrawal of foreign currency in the country with a cheque, at the counter, from an account denominated in foreign currency

B.3. Others

Code	Designation	Justification of Product/Service
3.1.7.	Supply of photocopies of deposit slip/cheques	Reproduction, at the client's request, of deposit slip/cheques
3.1.8.	Issuance of 2nd copy of document justifying debit or credit	Reproduction, at the client's request, of documents justifying debit or credit movements

C. BANK CARDS

C.1. Debit

Code	Designation	Justification of Product/Service
4.1.1.	Issuance
4.1.1.1.	First normal issuance	Commission charged to the account holder for the expenses incurred in the first production of the debit card, according to the cost allocation criterion previously agreed
4.1.1.2.	Normal issuances	Commission charged to the account holder for the expenses incurred in the subsequent productions of the debit card, according to the cost allocation criterion previously agreed

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Code	Designation	Justification of Product/Service
	subsequent
4.1.1.3.	Urgent	Commission charged to the account holder for the expenses incurred in the urgent production of the debit card, according to the cost allocation criterion previously agreed, within a period not exceeding 48 hours
4.1.1.4.	2nd Copy	Commission charged to the account holder for the expenses incurred in the production of the 2nd copy of the debit card, according to the cost allocation criterion previously agreed, restricted to cases of replacement requests made by the account holder, resulting from loss, theft, burglary, damage and other reasons not attributable to the issuing institution
4.1.2.	Annual Fee	Commission charged to the account holder for the annual fee resulting from the possession of the debit card, according to the cost allocation criterion previously agreed
4.1.3.	Replacement	Commission charged to the account holder for the expenses incurred in the replacement of the card for reasons not attributable to the client
4.1.4.	Message Alerts
4.1.4.1.	Within the country	Commission charged to the account holder for the sending of message alerts resulting from the execution of transactions in the account within the country
4.1.4.2.	Outside the country	Commission charged to the account holder for the sending of message alerts resulting from the execution of transactions in the account outside the country

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C.2. Credit

Code	Designation	Justification of Product/Service
4.2.1.	Issuance
4.2.1.1.	Normal	Commission charged to the account holder for the expenses incurred in the production of the normal credit card, according to the cost allocation criterion previously agreed
4.2.1.2.	Urgent	Commission charged to the account holder for the expenses incurred in the production of the urgent credit card, according to the cost allocation criterion previously agreed, within a period not exceeding 48 hours
4.2.1.3.	2nd Copy	Commission charged to the account holder for the expenses incurred in the production of the 2nd copy of the credit card, according to the cost allocation criterion previously agreed, restricted to cases of replacement requests made by the account holder, resulting from loss, theft, burglary, damage and other reasons not attributable to the issuing institution
4.2.2.	Annual Fee	Commission charged to the account holder for the annual fee resulting from the possession of the credit card, according to the cost allocation criterion previously agreed.
4.2.3.	Replacement	Commission charged to the account holder for the expenses incurred in the replacement of the card for reasons not attributable to the client
4.2.4.	Message Alerts
4.2.4.1.	Within the country	Commission charged to the account holder for the sending of message alerts resulting from the execution of transactions in the account within the country
4.2.4.2.	Outside the country	Commission charged to the account holder for the sending of message alerts resulting from the execution of transactions in the account outside the country
4.2.5.	Interest Rate
4.2.5.1.	Monthly	Monthly interest rate practiced in transactions associated with the use of credit card
4.2.5.2.	Annual	Annual interest rate practiced in transactions associated with the use of credit card

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D. ATM

Code	Designation	Justification of Product/Service
5.1.1.	Cash Withdrawal
5.1.1.1.	First four per month in the country	First four cash withdrawals per month, in the country, at ATM
5.1.1.2.	Remaining in the country	Cash withdrawal, in the country, at ATM
5.1.1.3.	Abroad	Cash withdrawal at ATM located abroad, from the account associated with the card, of amounts that are authorized by the banking institution
5.1.2.	Balance Inquiry
5.1.2.1.	Without printing, in the country	Balance inquiry/viewing of the account on ATM screen, in the country, without printing
5.1.2.2.	With printing, in the country – First four per month	First four balance prints of the account per month at ATM, in the country
5.1.2.3.	With printing, in the country – subsequent	Balance print of the account at ATM, in the country
5.1.2.4.	Abroad	Balance inquiry/viewing of the account on ATM screen abroad, with printing
5.1.3.	Inquiry of statements, mini-statements and transactions
5.1.3.1.	Without printing, in the country	Inquiry/viewing of account statement on ATM screen, in the country, without printing
5.1.3.2.	With printing, in the country – First four per month	First four statement prints of the account per month at ATM, in the country
5.1.3.3.	With printing, in the country – subsequent	Statement print of the account at ATM, in the country
5.1.3.4.	Abroad	Balance inquiry/viewing of the account on ATM screen abroad, with printing
5.1.4.	NIB/ IBAN
5.1.4.1.	Without printing	Viewing of the Bank Identification Number (NIB) from ATM without printing
5.1.4.2.	With printing	Printing of the Bank Identification Number (NIB) from ATM
5.1.5.	Purchase of recharges	Purchase of recharges, namely telephone, television and electricity at ATM

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Code	Designation	Justification of Product/Service
5.1.6.	Payment of services	Payment of services at ATM (e.g. water, electricity, telephone, cable TV, internet, school fees, etc.)
5.1.7.	PIN Change (1)
5.1.7.1.	First four per month	First four PIN changes per month at ATM
5.1.7.2.	Remaining	Subsequent PIN changes at ATM

Note: (1) Personal Identification Number

E. POS

Code	Designation	Justification of Product/Service
6.1.	Balance Inquiry
6.1.1.	Without printing in the country	Balance inquiry/viewing of the account on POS screen, in the country, without printing
6.1.2.	With printing, in the country – First four per month	First four balance prints of the account per month at POS, in the country
6.1.3.	With printing, in the country – subsequent	Balance print of the account at POS, in the country
6.1.4.	Abroad	Balance inquiry/viewing of the account on POS screen, abroad, with printing
6.2.	Inquiry of statements, mini-statements and transactions
6.2.1.	Without printing, in the country	Inquiry/viewing of account statement on POS screen in the country, without printing
6.2.2.	With printing, in the country – First four per month	First four statement prints of the account per month at POS, in the country
6.2.3.	With printing, in the country – subsequent	Statement print of the account at POS, in the country
6.2.4.	Abroad	Balance inquiry/viewing of the account on POS screen, abroad, with printing
6.3.	Cash Advance	Withdrawal of cash from an economic agent by debit of the bank card, at POS, of the amount equivalent to the withdrawal
6.4.	NIB/ IBAN
6.4.1.	Without printing	Viewing of the Bank Identification Number (NIB) from POS, without printing

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Code	Designation	Justification of Product/Service
6.4.2.	With printing	Printing of the Bank Identification Number (NIB) from POS
6.5.	Purchase of recharges	Purchase of recharges, namely telephone, television and electricity at POS
6.6.	Payment of goods and services	Use of bank card at POS, in the payment of goods and services in commercial establishments designated for the sale thereof
6.7.	PIN Change
6.7.1.	First four per month	First four PIN changes per month at POS
6.7.2.	Remaining	Subsequent PIN changes at POS

F. CHEQUES

Code	Designation	Justification of Product/Service
7.1.1.	Supply of normal cheques
7.1.1.1.	Book of 10 cheques	Availability of book of 10 cheques
7.1.1.2.	Book of 30 cheques	Availability of book of 30 cheques
7.1.1.3.	Book of 100 cheques	Availability of book of 100 cheques
7.1.2.	Supply of loose cheque	Availability of a cheque or other equivalent instrument at the counter for cash withdrawal
7.1.3.	Supply of certified cheque	Request for a certified cheque or other equivalent instrument at the counter
7.1.4.	Return of cheques
7.1.4.1.	Of own bank
7.1.4.1.1.	To beneficiary (1)	Return to beneficiary of own bank cheque that does not meet conditions for payment
7.1.4.1.2.	For insufficiency of provision	Charge to issuer for return of own bank cheque for insufficiency of funds
7.1.4.1.3.	For technical reasons attributable to	Charge to issuer for return of own bank cheque for technical reasons

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Code	Designation	Justification of Product/Service
	client	not attributable to the client
7.1.4.2.	From OIC (2)
7.1.4.2.1.	To beneficiary (1)	Return to beneficiary of OIC cheque that does not meet conditions for payment
7.1.4.2.2.	For insufficiency of provision	Charge to issuer for return of OIC cheque for insufficiency of funds
7.1.4.2.3.	For technical reasons attributable to client	Charge to issuer for return of OIC cheque for technical reasons attributable to client
7.1.5.	Cheques on foreign countries
7.1.5.1.1.	Issuance	Value charged for the issuance of a bank cheque in foreign currency on a correspondent bank in favor of the beneficiary indicated by the orderer
7.1.5.1.2.	Cancellation/ cancellation/return	Consists in the cancellation/cancellation/return of a bank cheque in foreign currency, issued on a correspondent bank in favor of the beneficiary indicated by the orderer
7.1.6.	Others
7.1.6.1.1.	Cancellation/ cancellation/revocation of cheques	Consists in the request for cancellation or cancellation of a normal, loose or certified bank cheque at the request of the holder
7.1.6.1.2.	Blocking of cheques	Consists in the request for interruption of payment of cheque during a predetermined period by the orderer.

Note: (1) Return to beneficiary of cheque that does not meet conditions for payment; (2) OIC – other credit institutions.

G. TRANSFERS

G.1. National

Code	Designation	Justification of Product/Service
8.1.1.	Intra-bank
8.1.1.1.	First two per month	First two transfers per month between accounts of the same banking institution
8.1.1.2.	Accounts of same holder	Transfer of values between accounts of the same holder in the same banking institution

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Code	Designation	Justification of Product/Service
8.1.1.3.	Accounts of different holders	Transfer of values between accounts of different holders in the same banking institution
8.1.1.4.	Via ATM	Transfer, through an ATM, of values between accounts of the same holder or different holders in the same banking institution
8.1.2.	Inter-bank
8.1.2.1.	Accounts of same holder	Transfer of values between accounts of the same holder involving different banking institutions
8.1.2.2.	Accounts of different holders	Transfer of values between accounts of different holders involving different banking institutions
8.1.2.3.	Via ATM	Transfer, through an ATM, of values between accounts of the same holder or different holders involving different banking institutions
8.1.3.	Transfer to mobile account	Transfer of values by the holder of a bank account to an account associated with a mobile phone number (SIM card) in which the holder of the mobile account may or may not hold a bank account

G.2. International

Code	Designation	Justification of Product/Service
8.2.1.	Telegraphic transfer/ swift sent	Transfer of funds ordered by a client to the exterior.
8.2.1.1.	Commission	Percentage calculated on the value of the payment/transfer to be made
8.2.1.2.	Communications	Value charged for communication expenses via swift incurred by the bank in the process of sending the transfer
8.2.1.3.	Correspondent bank(1)	Value charged for expenses incurred with the correspondent bank in the process of sending the transfer
8.2.1.4.	Cancellation/ Cancellation/	Commission charged for the cancellation/cancellation/

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Code	Designation	Justification of Product/Service
	Return	return of the swift transfer sent by the bank at the request of the orderer
8.2.2.	Telegraphic transfer/ swift received	Receipt of funds from the exterior by the bank transferred in favor of its client
8.2.2.1.	Client of own bank
8.2.2.1.1.	Commission	Corresponds to the minimum and maximum values calculated based on the percentage of the total value of the received transfer, applied to the client of own bank
8.2.2.1.2.	Communications	Correspond to the expenses of sending the telegraphic transfer/swift message applied to the client of own bank
8.2.2.1.3.	Correspondent bank(1)	Value charged to the client of own bank for expenses incurred with the correspondent bank in the process of receiving the transfer
8.2.2.1.4.	Cancellation/ Cancel./ Return	Corresponds to the commission to be paid for the cancellation, cancellation or return of the transfer or transferred value

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