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Bank Fees and Charges

Customer Services | Lending & Credit | International

Customer Service Fees

Detailed information on all fees and charges is provided by Banks through freely available brochures in their respective Branches. For quick reference however, we provide below an analysis of fees and/or charges applied by our member-Banks on some commonly requested banking products and services in Fiji.

Personal Transaction Accounts

Access Freedom Account

Description of Fee or Charge
Minimum opening balance	$10.00
Electronic transactions	Free
Account maintenance fee; (per month)	$6.00
Periodical payments fee (between ANZ accounts only)	Free
Paper withdrawal	Free

Access Simplicity Account

Description of Fee or Charge

Access Freedom Account

Description of Fee or Charge

Access Simplicity Account (product now withdrawn)

Description of Fee or Charge
Paper withdrawal; (per transaction)	$3.00
Account maintenance fee (per month)	$2.00

Cheque Account (Personal)

Description of Fee or Charge
Account closure fee; (within 1 year)		$20.00
Account closure fee (above 1 year, within 5 years)		$10.00
Issue of balance certificate		$10.00
Issue of detailed certificate		$25.00
Search fee		$5.00 (subsequent $10.00 per hour)
Standing Instructions - Internal
Standing Instructions - External		$10.00
Stop payment fee		$10.00
Issue of cheque books

Visa Debit Card

Description of Fee or Charge
Application fee					$35.00
Annual Service fee					$35.00
Electronic Transaction Authorised by External Network					$10.00
Manual Transaction Authorised by External Network					$15.00
Breaching of the Exchange Control Regulations					$100.00

Orbit Account (Revolving Credit)

Description of Fee or Charge
Establishment fee				$150.00
Electronic withdrawal fee (own bank)				Free
Interchange fee				Free
Service fee; (monthly)				$5.00
Activity fee (per transaction)				$0.45
Collection fee				$0.40
ATM - Issued Mini Statement; (own bank), (per request)				$0.40
ATM Funds Transfer (own bank)				$0.40

Prime Cash Management Account / Business Management Account

Description of Fee or Charge
Ledger activity fee including electronic transaction, each item	$0.40	N/A	$0.40	N/A	N/A
Minimum opening balance	$250.00	N/A	$500.00	N/A	N/A
Base maintenance fee; (per month)	$5.00	N/A	$5.00 (< $1,000)	N/A	N/A
Collection fees on items deposited. (per transaction)	$0.40	N/A	$0.40	N/A	N/A

Rural Every Day Account

Description of Fee or Charge
Minimum opening balance	$5.00	N/A	N/A	N/A	N/A
Account service fee. (per month)	$3.00	N/A	N/A	N/A	N/A

Senior Access Account

Description of Fee or Charge
Minimum opening balance	$10.00	N/A	N/A	N/A	$10.00
Paper withdrawal	$3.00	N/A	N/A	N/A	$2.00
Electronic withdrawal	Free	N/A	N/A	N/A	Free
Maintenance fee	Free	N/A	N/A	N/A	Nil
Dormant fee	N/A	N/A	N/A	N/A	NIl
EFTPOS Reject fee	N/A	N/A	N/A	N/A	$1.00
Replacement Card fee	N/A	N/A	N/A	N/A	$5.00

Personal Savings Accounts

Junior Access Savers Accounts/Youth/Moneyzone Account

Description of Fee or Charge
Minimum opening balance	$10.00	N/A	N/A	$5.00	$10.00
Minimum operating balance	N/A	N/A	N/A	Nil	N/A
Number of free paper withdrawals	N/A	N/A	N/A	2	1
Paper withdrawal fee; (per transaction)	$3.00	N/A	N/A	$2.00	$2.00
Number of free electronic withdrawals	N/A	N/A	N/A	N/A	3
Electronic withdrawal fee; (own bank)	Free	N/A	N/A	Free	$0.35
Interchange fee	N/A	N/A	N/A	Free	N/A
Account maintenance fee	Free	N/A	N/A	Free	Nil
Insufficient funds fee (EFTPOS)	N/A	N/A	N/A	N/A	N/A

Passbook Savings Account

Description of Fee or Charge
Minimum opening deposit	N/A	$50.00	N/A	$100.00	$1,000
Minimum operating balance	N/A	N/A	N/A	$200.00	$5,000
Minimum operating balance fee / Service fee; (monthly)	N/A	$2.00 (< $50)	N/A	$2.00 (< $200)	$2.00 (< $5,000)
Number of free withdrawals	N/A	Unlimited	N/A	2	1
Withdrawal fee	N/A	Free	N/A	$2.00	$2.00
Duplicate/Lost pass book; (each occasion)	N/A	$10.00	N/A	N/A	N/A
Account closure fee (within 1 year)	N/A	$5.00	N/A	N/A	N/A
Issue of balance certificate	N/A	$10.00	N/A	N/A	N/A
Issue of detailed certificate	N/A	$25.00	N/A	N/A	N/A
Search fee	N/A	$5.00 (subsequent $10.00 per hour)	N/A	N/A	N/A
Standing Instructions - Internal	N/A	Free	N/A	N/A	N/A
Standing Instructions - External	N/A	$10.00	N/A	N/A	N/A

Progress Saver Account / Easysaver Account / Bonus Saver Account

Description of Fee or Charge
Minimum opening deposit / balance	$10.00	N/A	N/A	$100.00	$10.00
Maximum operating balance	N/A	N/A	N/A	$100,000.00	N/A
Number of free electronic withdrawals; (own bank)	1	N/A	N/A	2	1
Electronic withdrawal fee	$5.00	N/A	N/A	$5.00	$2.00
Number of free paper withdrawals	N/A	N/A	N/A	N/A	$1.00
Paper withdrawal fee; (per transaction)	N/A	N/A	N/A	N/A	$2.00
ATM Balance enquiry; (own bank)	N/A	N/A	N/A	Free	N/A
Mini-Statements; (per request)	N/A	N/A	N/A	$0.40	N/A
Funds transfer; (per transfer)	N/A	N/A	N/A	$0.40	N/A
Interchange fee - Balance enquiry; (per enquiry)	N/A	N/A	N/A	$0.60	N/A

Tranxact / Tertiary Account

Description of Fee or Charge
Minimum opening deposit	N/A	N/A	N/A	$10.00	$10.00
Minimum opening balance	N/A	N/A	N/A	Nil	$10.00
Maintenance fee; (per month)	N/A	N/A	N/A	$1.00	Nil
Number of free paper withdrawals	N/A	N/A	N/A	2	1
Paper withdrawal fee	N/A	N/A	N/A	$2.00	$2.00
Number of free electronic withdrawals	N/A	N/A	N/A	Free	6
Electronic withdrawal fee; (own bank)	N/A	N/A	N/A	Free	$0.35
ATM - Issued Mini Statement; (own bank), (per request)	N/A	N/A	N/A	$0.40	N/A
Interchange fee	N/A	N/A	N/A	Free	N/A

Classic Saver / Smart Saver Account

Description of Fee or Charge
Minimum opening deposit	N/A	N/A	$20.00	$10.00	N/A
Minimum operating balance	N/A	N/A	N/A	Nil	N/A
Number of free withdrawals per month	N/A	N/A	1	2	N/A
Paper withdrawal fee	N/A	N/A	$3.00	$2.00	N/A
Number of free electronic withdrawals	N/A	N/A	1	Free	N/A
Electronic withdrawal fee	N/A	N/A	$0.30	Free	N/A
Interchange fee	N/A	N/A	N/A	Free	N/A
Service fee	N/A	N/A	N/A	Free	N/A
Dormant fee	N/A	N/A	$2.00	N/A	N/A
∙ Insuffient funds (EFTPOS) fee;	N/A	N/A	$1.00	N/A	N/A
∙ ATM Issued Mini-Statements (own bank's ATM). (per request)	N/A	N/A	N/A	$0.40	N/A

Retail Term Deposit Account

Description of Fee or Charge
Issuance of renewal of Term Deposits	Free	Free	Free	Free	Free
Minimum opening balance	$1,000.00	N/A	$1,000.00	$1,000.00	N/A
Penalty rate. (% on the interest rate)	50%	N/A	N/A	N/A	Applies on .Early Termination
∙ Break / Prepayment fee; (per request)	$30.00	$10.00	$30.00	$25.00	$40.00

Bank Cheques

Bank Cheques

Description of Fee or Charge
Issued at customers request / To buy (up to $10,000)	$10.00	$7.50 (plus stamp duty)	$10.00	$10.00	$10.00
Issued at customers request / To buy (above $10,000)	$10.00	$10.00 (plus stamp duty)	$10.00	$10.00	$10.00
Replace/duplicate of bank cheques, each cheque; (plus stamp duty)	$15.00	$10.00 (plus stamp duty)	$15.00	$15.00	$15.00
Repurchase/cancellation bank cheque (lost, stolen or destroyed). (plus stamp duty)	$20.00	$15.00	$20.00	$20.00	$20.00

Business Cheque Accounts

Business Cheque Accounts

Description of Fee or Charge
Minimum opening balance	N/A	$500.00	$500.00	$250.00	$500.00
Minimum operating balance	N/A	$500.00	N/A	Nil	N/A
Minimum balance fee; (monthly)	N/A	$10.00 (<$500)	N/A	N/A	N/A
Maintenance / Basic fee; (per quarter)	N/A	$10.00	$15.00	$15.00	$15.00
Transaction / Activity fee (for each cheque deposited)	N/A	$10.00 (per sheet)	$0.40	$0.45	$0.40
Collection fees on items deposited	N/A	$0.25	$0.40	$0.40 (1st deposit free)	$0.40
Company office search fee (payable for search upon opening of A/C)	N/A	$10.00 (per hour)	$35.00	$30.00
Dormant fee	N/A	$10.00 (half yearly)	N/A	N/A	N/A
Account closure fee (within 1 year)	N/A	$25.00	N/A	N/A	N/A
Stop payment fee	N/A	$10.00	N/A	N/A	N/A
Standing Instructions - Internal	N/A	$5.00 (half yearly)	N/A	N/A	N/A
Standing Instructions - External	N/A	$10.00 (half yearly)	N/A	N/A	N/A
Issuance of cheque books	N/A	$2.00 per 50 leaves book	N/A	N/A	N/A
Internet banking	N/A	N/A	N/A	N/A	Applicable on Normal Banking Services apply.
∙ Account overdrawn fee; (per day)	N/A	$25.00			:- $20 (O/D $100 or more without arrangements)

Deposit Bearing Interest Cheque Account

Deposit Bearing Interest Cheque Account

Description of Fee or Charge
Minimum opening deposit	N/A	N/A	N/A	$250.00	N/A
Minimum opening balance	N/A	N/A	N/A	Nil	N/A
Transaction / Activity fee; per transaction	N/A	N/A	N/A	$0.45	$40.00 (first eight debits free)
Collection fee (for each cheque deposited)	N/A	N/A	N/A	$0.40 (1st deposit free)	$40.00 (first two deposits free)
Maintenance fee; (monthly)	N/A	N/A	N/A	$15.00 per quarter	$2.00
Dormant fee	N/A	N/A	N/A	N/A	Nil
Account Overdrawn fee; (plus 4% on overdrawn balance)	N/A	N/A	N/A	N/A	:- $20 (O/D $100 or more without arrangements) :

Cash Handling

Cash Handling

Description of Fee or Charge
Cash handling fee - $5,000.00 or less;	Nil	N/A	N/A	Nil	N/A
- Greater than $5,000.00. (on cash being deposited or withdrawn - By bank's discretion)	1%	N/A	N/A	1%	N/A

Certificates Supplied

Certificates Supplied

Description of Fee or Charge
Certificate of balance of account, each account	$10.00	$15.00	$10.00	$10.00	$10.00
Certficate of interest paid and received, each account	$10.00	N/A	N/A	$10.00
Unless time exceeds 1/2 hour	N/A	N/A	N/A	N/A	$25.00
On accounts opened within 60 days of request	N/A	N/A	N/A	N/A	$50.00
Deceased accounts	N/A	N/A	N/A	N/A	$15.00
Complex audit certificates (audit purposes, bill holdings, deeds, etc)	$40.00	$25.00	$35.00	$35.00	$50.00
Photocopy/replacement/additional certificates	$15.00	N/A	N/A	N/A	$10.00
Opinions
Each confidential report for bankers opinion sought	N/A	$25.00 + other expenses	$25.00	$25.00	$50.00
Giving opinion in support for visa applications	N/A	$50.00 + other expenses	N/A	N/A	$50.00

Change Supplied

Change Supplied

Description of Fee or Charge
∙ Bank customers: - Each standard bag or roll (per every $100);	Free	Free	Free	$1.00	Nil
∙ Other bank customers: - Each standard bag or roll (per every $100);	$1.00	N/A	$0.25	$1.00	$0.25
∙ Change bags.	N/A	N/A	N/A	$2.00	N/A

Cheque Book (mandatory stamp duty applicable only)

Cheque Book (mandatory stamp duty applicable only)

Description of Fee or Charge
∙ Cheque book fee - per leaf;	$0.04	$0.04	$0.04	$0.04	$0.04
∙ 25 leaf; (per book)	$1.00	$1.00	$1.00	N/A	N/A
∙ 50 leaf; (per book)	$2.00	$2.00	$2.00	$2.00	$2.00
∙ 100 leaf; (per book)	$4.00	$4.00	$4.00	N/A	$4.00
∙ 200 leaf. (per book)	$8.00	$8.00	$8.00	$8.00	$8.00

Cheque Encashment / Cheque Cashing Authority

Cheque Encashment / Cheque Cashing Authority

Description of Fee or Charge
∙ Credit union cheques encashment (company accounts); per item	$10.00	N/A	N/A	N/A	$20.00
∙ FNPF disbursement fee / Personal accounts. (per item).	$10.00	N/A	N/A	N/A	$15.00

Deposit Book

Deposit Book

Description of Fee or Charge
∙ Personal accounts; (small)	Free	Free	Free	Free	Free
∙ Business accounts; (Counterfoil / A5 Duplicate book)	N/A	$5.00	N/A	$9.00	$7.50
∙ Business accounts; (A4 Duplicate book)	$10.00	$7.50	$10.00	$10.00	N/A
∙ Triplicate deposit book.	N/A	$10.00	$15.00		$10.00

Dishonour Fee

Dishonour Fee

Description of Fee or Charge
∙ Inward dishonour (chqs deposited to a/cs /chqs. Returned unpaid)	$7.50	$10.00	$10.00	$10.00	$10.00
∙ Outward dishonour (cheques drawn on accounts)	$30.00	$25.00	$30.00	$30.00	$35.00

Dual Custody Fee / Safe Custody Fee

Dual Custody Fee / Safe Custody Fee

Description of Fee or Charge
		Half yearly
∙ Sealed envelope (360mm x 180mm / 20cm x 40cm);	$10.00	$10.00	$10.00	$10.00	$20.00
∙ Sealed envelopes, packets, parcels,boxes up to 25cm x 40cm;∙	N/A	$25.00	$30.00	$30.00	$40.00
∙ Sealed envelope / boxes (up to 10,000 cubic cms);	$65.00	$50.00	$65.00	$65.00	$100.00
∙ Sealed envelope / boxes (over 10,000 cubic cms);	$100.00	N/A	$75.00	N/A	$500.00
∙ Script and similar transactions;	$12.00	N/A	N/A	N/A	N/A
∙ Request for transfer to another same bank branch of, each item;	$40.00	N/A	N/A	N/A	N/A
∙ Lost & replacement receipt/second & subsequent access.	N/A	N/A	N/A	$10.00	$10.00

Fax Messages

Fax Messages

Description of Fee or Charge
∙ Fax messages (statements/vouchers, etc.), plus costs; (per page)	$2.00	$5.00	$2.00	$10.00	$7.50
∙ Photocopy.	N/A	$1.50	N/A	N/A	N/A

Unclaimed Monies

Unclaimed Monies

Description of Fee or Charge
∙ Charged when account becomes unclaimed. (per account)	$30.00

International Access card

International Access Card

Description of Fee or Charge
∙ Annual fee;	$45.00
∙ International withdrawals including EFTPOS transactions; (each)	$8.00
∙ International balance enquiries; (per enquiry)	$2.00
∙ Local electronic transaction. (per transaction)	$0.30

Lending & Credit Fees

Detailed information on all fees and charges is provided by Banks through freely available brochures in their respective Branches. For quick reference however, we provide below an analysis of fees and/or charges applied by our member-Banks on some commonly requested banking products and services in Fiji.

Overdraft Facilities - Personal / Business

Overdraft Excess Fee Charged on unarranged excesses on the day the excesses occurs acccording to the following scales:

Description of Fee or Charge
- Up to $50;	Free	N/A	N/A	N/A	$100.00
- $50 to $100;	$15.00	N/A	N/A	N/A	$100.00
- $100 to $4,999;	$25.00	N/A	N/A	N/A	$100.00
- $5,000 to $19,999;	$50.00	N/A	N/A	N/A	$200.00
- $20,000 - $99,999;	$100.00	N/A	N/A	N/A	1% of loan amount
- $100,000 and over.	$100.00	N/A	N/A	N/A	0.75% of loan amount

Review of Existing Accounts

Description of Fee or Charge
For Loans Facilities And Overdraft Facilities
- Up to $1,000	N/A	$25.00	N/A	N/A	N/A
- $1,001 to $2,500	N/A	$50.00	N/A	N/A	N/A
- $2,501 to $5,000	N/A	$75.00	N/A	N/A	N/A
- $5,001 to $10,000	N/A	$100.00	N/A	N/A	N/A
- $10,001 - $20,000	N/A	$200.00	N/A	N/A	N/A
- $20,001 - $200,000	N/A	1.00%	N/A	N/A	N/A
- Above $200,001	N/A	0.75% (min $2,000, max $3,000)	N/A	N/A	N/A

Loan Administrative Fee / Credit Service Fee

Description of Fee or Charge
(ON ORIGINAL / REVIEWED LIMITS which would vary from year to year) Facility Payment:-
- Up to $1,500; half yearly	N/A	$20.00	N/A	N/A	N/A
- $1,501 to $5,000; half yearly	N/A	$50.00	N/A	N/A	N/A
- $5,001 to $10,000; half yearly	N/A	$70.00	N/A	N/A	N/A
- $10,001 to $30,000; half yearly	N/A	$110.00	N/A	N/A	N/A
- $30,001 - $50,000; half yearly	N/A	$150.00	N/A	N/A	N/A
- $50,001 - $70,000; half yearly	N/A	$210.00	N/A	N/A	N/A
- $70,001 - $90,000; half yearly	N/A	$240.00	N/A	N/A	N/A
- $90,001 - $100,000; half yearly	N/A	$270.00	N/A	N/A	N/A
- $100,001 - $200,000; half yearly	N/A	$440.00	N/A	N/A	N/A
- Above $200,000; half yearly	N/A	0.25% (min $500, max $3,000)	N/A	N/A	N/A
BOB Soft/Personal/PC Loans	N/A	$20.00	N/A	N/A	N/A
BOB Home Loans / car Loans	N/A	Free	N/A	N/A	N/A

Referral Fee / Excess Fee / Processing Fee

Referral Fee / excess Fee / Processing Fee

Description of Fee or Charge
Standard fee charged	N/A	N/A	N/A	$25.00
- Up to $500	N/A	$25.00	N/A	N/A	N/A
- $501 - $1,000	N/A	$25.00	N/A	N/A	N/A
- 1,001 - $2,500	N/A	$25.00	N/A	N/A	N/A
- $2,501 - $5,000	N/A	$25.00	N/A	N/A	N/A
- $5,001 - $10,000	N/A	$50.00	N/A	N/A	N/A
- $10,001 - $25,000	N/A	$100.00	N/A	N/A	N/A
- Above $25,000	N/A	1.00% (per occasion)	N/A	N/A	N/A

Installment Arrears Fee ( > 7 days)

Description of Fee or Charge
- Up to $500; per deviation (monthly)	N/A	$5.00	N/A	N/A	N/A
- $501 to $1,000; per deviation (monthly)	N/A	$10.00	N/A	N/A	N/A
- $1,001 to $2,500; per deviation (monthly)	N/A	$15.00	N/A	N/A	N/A
- $2,501 to $5,000; per deviation (monthly)	N/A	$20.00	N/A	N/A	N/A
- Above $5,000; per deviation (monthly).	N/A	$25.00	N/A	N/A	N/A
∙ Excess Fee: Up to $5,000	N/A	$25.00 (per occasion)	N/A	N/A	N/A
∙ Prosessing Fee: $5,001 - $10,000	N/A	$50.00 (per occasion)	N/A	N/A	N/A
∙ Prosessing Fee: $10,001 - $25,000	N/A	$100.00 (per occasion)	N/A	N/A	N/A
∙ Prosessing Fee: Above $25,000.	N/A	1.00% (per occasion)	N/A	N/A	N/A

Limit Approval Fee

Description of Fee or Charge
Credit Limits:
- Up to $499	$75.00	N/A	1% of the loan or	$75.00	N/A
- $500 to $4,999	$125.00	N/A	overdraft amount	$125.00	N/A
- $5,000 to $19,999	$250.00	N/A	charged at loan	$200.00	N/A
- $20,000 to $49,999	$500.00	N/A	establishment.	$500.00	N/A
- $50,000 and over	1% of limit amount	N/A		1% of approved amount	N/A
Credit limits for terms up to one month.	50% normal fee	N/A	N/A	N/A	N/A

Service Fee

Description of Fee or Charge
Overdraft; per month	N/A	N/A	N/A	$10.00	N/A
Personal Loan, per month	N/A	N/A	N/A	$5.00	N/A

Line Fee

Description of Fee or Charge
(Based on the higher of overdraft limit or approved overdraft balance).
∙ Credit Limits: (Monthly)
- Up to $4,999	$10.00	N/A	N/A	N/A	N/A
- $5,000 to $14,999	$20.00	N/A	N/A	N/A	N/A
- $15,000 to $19,999	$25.00	N/A	N/A	N/A	N/A
- $20,000 to $999,999; (whichever is less)	0.12% or $300.00	N/A	N/A	N/A	N/A
- $1M and over	0.03%	N/A	N/A	N/A	N/A
Basic / Maintenance fee	N/A	$10.00 (per quarter)	N/A	N/A	N/A
Transaction / Activity fee	N/A	$10.00 (per statement)	N/A	N/A	N/A

Other Lending Fees

Inspection Fee

Description of Fee or Charge
Agriculture Advances
- Up to $10,000; per visit	N/A	$30.00	N/A	N/A	N/A
- $10,001 to $25,000; per visit	N/A	$60.00	N/A	N/A	N/A
- $25,001 to $50,000; per visit	N/A	$75.00	N/A	N/A	N/A
- Above $50,000; per visit	N/A	$100.00	N/A	N/A	N/A

Other Advances

Description of Fee or Charge
- Up to $1,500; per visit	N/A	Nil	N/A	N/A	N/A
- $1,501 to $10,000; per visit	N/A	$40.00	N/A	N/A	N/A
- $10,001 to $25,000; per visit	N/A	$75.00	N/A	N/A	N/A
- $25,001 to $50,000; per visit	N/A	$100.00	N/A	N/A	N/A
- $50,001 to $100,000; per visit	N/A	$150.00	N/A	N/A	N/A
- Above $100,000; per visit	N/A	$200.00	N/A	N/A	N/A

Gold Master Card

Joining Fee

Description of Fee or Charge
- Primary Cardholder / Gold Card;
- Secondary Cardholder / Regular Card;	$95.00	N/A	N/A	$95.00	N/A
Annual membership fee - Gold Card; per annum	$25.00	N/A	N/A	$48.00	N/A
Annual membership fee - Regular Card; per annum	$95.00	N/A	N/A	$95.00	N/A
Replacement Card/PIN fee;	$95.00	N/A	N/A	$48.00	N/A
Transaction verification fee / Copy of Sales Voucher;	$15.00	N/A	N/A	$20.00	N/A
Duplicate statement fee	$10.00	N/A	N/A	$7.00	N/A
Dishonoured cheque fee	$10.00	N/A	N/A	$2.00 (per page)	N/A
Late penalty fee	$7.50	N/A	N/A	$10.00	N/A
Financial charge	$20.00	N/A	N/A	$25.00	N/A
Interest free days (on Gold Card & Regular Card);	refer to advertised rate	N/A	N/A		N/A
Over the limit fee (per month).	Upto 55 days	N/A	N/A	Upto 55 days	N/A
Balance Enquiry fee (own bank ATM):	$25.00	N/A	N/A	$25.00	N/A
Cash Advance Fee:	N/A	N/A	N/A	$2.00	N/A
- Cash Advance within own bank;	N/A	N/A	N/A	Free	N/A
- Cash Advance with other banks, local & international; per item.	N/A	N/A	N/A	$5.00	N/A

Housing Loan - Personal (including residential loan)

Establishment Fee

Description of Fee or Charge
Establishment Fee	N/A	N/A	N/A	N/A	min $650
- Company/Trust	N/A	N/A	N/A	N/A	$1,200.00
FNPF Housing Transfer fee; per application (plus FNPF costs)	$100.00	$50.00	N/A	$100.00	$100.00
Switching Fee (Payable when switching between loan and repayment types or when changing loan terms. This is subject to bank approval)	N/A	$100.00	N/A	N/A	$300.00
Portability Fee (continue with loan but switch securities)	N/A	N/A	N/A		$300.00

Inspection Fee

Description of Fee or Charge
- First inspection; percentage on Limit/Loan Approval fee (min $50)	20%	N/A	$50.00	$40.00	$50.00
- Subsequent visits; per visit (maximum of 6 visits)	$50.00	N/A	$25.00		$80.00
- Fee when 6 inspections exceeded; per visit	N/A	N/A	N/A	N/A	$90.00
- First Drawdown fee	N/A	N/A	N/A	N/A	$30.00
- Subsequent Drawdowns (maximum of 6 draws);	N/A	N/A	N/A	N/A	$80.00
- Fee when 6 draws exceeded; per visit	N/A	N/A	N/A	N/A	$40.00
- Where transport is provided by the Client;	N/A	N/A	N/A	$40.00	N/A
- Where transport is provided by the bank branch within:
- within 20km of the Bank Branch;	N/A	N/A	N/A	$60.00	N/A
- outside 20km of the bank Branch.	N/A	N/A	N/A	$60.00 plus $0.50 per km	N/A

Maintenance Fee

Description of Fee or Charge
Maintenance Fee ;	N/A	$10.00 per quarter	N/A	N/A	$10.00 (monthly)
Redraw Fee; per draw	N/A	N/A	N/A	N/A	$20.00
Top Up Fee
- Up to $5,000;	N/A	N/A	N/A	N/A	$150.00
- Above $5,000.	N/A	N/A	N/A	N/A	$325.00
Top Up with Portability	N/A	N/A	N/A	N/A	$300.00

Fully Drawn Advances - Personal / Business or Business Access Loan Fully Drawn Advances - Personal / Business or Business Access Loan {Including Personal Loans, Car Loans & Business Loans}

Establishment Fee

Description of Fee or Charge
Establishment Fee	N/A	N/A	N/A	1% of facility limit	$750.00
Top Up Fee	N/A	N/A	N/A	N/A	$350.00
Switching Fee (Payable when switching between loan and repayment types or when changing loan terms. This is subject to bank approval)	N/A	N/A	N/A	$300.00	$350.00
Loan Maintenance Fee	N/A	N/A	N/A	N/A	N/A
Portability Fee	N/A	N/A	N/A	N/A	$350.00
Redraw Option Fee	N/A	N/A	N/A	N/A	$50.00
Loan Arrears Fee - Arrears more than seven days (per default)	$25.00	N/A	$25.00	N/A	2.5% of the late payment (min $25.00). A grace per

Loan Administration Charge

Description of Fee or Charge
Loan Balance: (monthly charge)
- Up to $499;	monthly charge	half yearly charge	monthly charge	monthly charge	monthly charge
- Up to $1,000;	$7.00	$20.00	$20.00	$20.00	$5.00
- $1,001 to $2,000;	$7.00	$20.00	$25.00	$20.00	$10.00
- $2,001 to $5,000;	$7.00	$50.00	$30.00	$20.00	$10.00
- $5,001 to $10,000;	$13.00	$70.00	$40.00	$20.00	$15.00
- $10,001 to $15,000;	$13.00	$110.00	$50.00	$20.00	$20.00
- $15,001 to $20,000;	$13.00	$110.00	$50.00	$20.00	$20.00
- $20,001 to $25,000;	$25.00	$110.00	$65.00	$20.00	$25.00
- $25,001 to $50,000;	$25.00	$150.00	$100.00	$20.00	$25.00
- $50,001 to $70,000;	$25.00	$210.00	$100.00	$20.00	$25.00
- $50,001 to $90,000;	$25.00	$240.00	$100.00	$20.00	$25.00
- $90,001 to $100,000;	$40.00	$270.00	$150.00	$20.00	$35.00
- $100,001 to $200,000;	$65.00	$440.00	$150.00	$20.00	$35.00
- $200,001 to $500,000;	$65.00	0.25% (min $500 -$3,000)	$150.00	$50.00	$50.00
- $500,001 to $1,000,000;	$100.00	0.25% (min $500 -$3,000)	$150.00	$100.00	$100.00
- $1,00,001 to $1,500,000;	0.025%	0.25% (min $500 -$3,000)	N/A	$250.00	$100.00
- $1,500,000 and over.	0.025%	0.25% (min $500 -$3,000)	N/A	$320.00	0.25% p.a.
Plus 0.10% per $100.00.	N/A	N/A	max $3,000.00	N/A	N/A

Lease Finance - Business

Guarantees & Bonds

Description of Fee or Charge
- Establishment charge (of Bond amount);	1.75% (min $50)	1.00% (min $75)	1.25%	1.00% (min $30)	1.00% (min $80)
- Half yearly charge (of Bond amount);	1.75% (min $50)	N/A	1.25%	1.00% (min $30)	1.00% (min $40)
- Document Handling (for stamping of indemnity on establishment) ;					$80.00
- Cancellation (of bond amount on prorata basis).	N/A	N/A	N/A	$20.00	1% (min $40)

Early Termination Fee

Description of Fee or Charge
- Lease Finance;	Equal to 1/2 of remaining	N/A	N/A	N/A	N/A
- Insurance Premium Finance.	unearned interest portion.	N/A	N/A	N/A	N/A

Small Loans - Personal

Loan Approval Fees

Description of Fee or Charge
- $250 to $500 / Up to $500;	$75.00	N/A		$75.00	N/A
- $501 to $1,000;	$150.00	N/A	N/A	$125.00	N/A
- $1,001 to $1,500;	$225.00	N/A	N/A	$125.00	N/A
- $1,501 to $2,000;	$300.00	N/A	N/A	$125.00	N/A
- $2,001 to $20,000;	N/A	N/A	N/A	$200.00
- $20,001 to $50,000;	N/A	N/A	N/A	$500.00	N/A
- $50,001 and over.	N/A	N/A	N/A	1% of approved amount (min $500.00)	N/A

Loan Arrears Fee / Late Penalty Fee

Loan Arrears Fee / Late Penalty Fee

Description of Fee or Charge
		(applies if > 7 days)
Will apply to any loan not paid in full within 14 days of its due date.	$10.00		$25.00	25.00	2.5% of the late payment
- Up to $500; per deviation (monthly)	N/A	$5.00	N/A	N/A	N/A
- $501 to $1,000; per deviation (monthly)	N/A	$10.00	N/A	N/A	N/A
- $1,001 to $2,500; per deviation (monthly)	N/A	$15.00	N/A	N/A	N/A
- $2,501 to $5,000; per deviation (monthly)	N/A	$20.00	N/A	N/A	N/A
- Above $5,000; per deviation (monthly).	N/A	$25.00	N/A	N/A	N/A

Other Loans & Overdrafts Fee

Other Loans & Overdrafts Fee

Description of Fee or Charge
∙ Search fee; per item	N/A	$30.00	$35.00	$30.00	$40.00
∙ Extension fee (Non provision of documents at annual review).	N/A	N/A	$100.00	N/A	N/A

Insurance Premiums

Insurance Premiums

Description of Fee or Charge
Paid on behalf of customer, which includes the following: (plus costs)	$30.00	N/A	N/A	N/A	N/A
- House with Engineer\'s Certificate;	N/A	N/A	N/A	0.185% of sum assured	N/A
- House without Engineer\'s Certificate;	N/A	N/A	N/A	0.22% of sum assured	N/A
- Content with Burglary Cover;	N/A	N/A	N/A	0.30% of sum assured	N/A
- Contents without Burglary Cover;	N/A	N/A	N/A	0.20% of sum assured	N/A
- Motor Vehicle	N/A	N/A	N/A	2.00% of sum assured	N/A

Letter Of Undertaking

Letter of Undertaking

Description of Fee or Charge
Issued for Visa purposes, etc. (per letter).	$50.00	N/A N/A	N/A	N/A	N/A

Opinions

Opinions

Description of Fee or Charge
Issued at customers request; per request (plus out of pocket expenses).	$50.00	Local $25.00; Overseas $50.00	N/A	N/A	N/A

Bill Of Sale / Crop Lien

Bill of Sale / Crop Lien

Description of Fee or Charge
∙ Renewal of Bill of Sale/Crop Lien; per document (plus statutory costs)	$100.00	N/A	N/A	N/A	N/A
∙ Lapsing of Bill of Sale/Crop Lien; per document (plus statutory costs)	$50.00	N/A	N/A	N/A	N/A

Search Fees

Search Fees

Description of Fee or Charge
Companies, Titles, Bill of Sale, Crop Lien, Deed searches, etc., per item.	$30.00	$30.00 (subsequent $10 per hour)	$50.00	$30.00	$35.00

Security Document Handling Fee

Production of documents for Stamping, Registration, discharge, etc.

Description of Fee or Charge
- One document;	$100.00	N/A	$100.00	$70.00	$100.00
- Each additional document; per dealing	$30.00	N/A	N/A	$30.00	$100.00
- Photocopy charges; per page	$1.00	N/A	$1.00	$1.00
- Execution of Documents by Bank\'s Attorney; per document	$30.00	N/A	N/A	N/A
- Registration; per prime document	N/A	N/A	N/A	N/A	$100.00
- Stamping; per collateral document	N/A	N/A	N/A	N/A	$40.00
- Plus Government regulatory fees & insurance company fees as levied by them. / Fees payable to Third Party.	N/A	N/A	N/A	N/A	N/A

Document Handling Fees

Description of Fee or Charge
Agriculture Advances
- Up to $10,000; (for all documents) + solicitors cost + expenses	N/A	$25.00	N/A	N/A	N/A
- $10,001 to $50,000; (for all documents) + solicitors cost + expenses	N/A	$50.00	N/A	N/A	N/A
- Above $50,000; (for all documents) + solicitors cost + expenses	N/A	$100.00	N/A	N/A	N/A
Other Advances
- Up to $1,000; (+ solicitors cost + expenses)	N/A	Free	N/A	N/A	N/A
- Above $1,000; one document (+ solicitors cost + expenses)	N/A	$60.00	N/A	N/A	N/A
- Above $1,000; additional documents (+ solicitors cost + expenses)	N/A	$25.00	N/A	N/A	N/A
∙ Assignment / reassignment of life policies;	N/A	$15.00 + actual Suva office charges	N/A	N/A	N/A
∙ Stamping / unstamping;;	N/A	$15.00 + actual Suva office charges	N/A	N/A	N/A
∙ Documents discharge; per document	N/A	$75.00	N/A	N/A	N/A
∙ Search fee;	N/A	$30.00 (subsequent $10 per hour)	N/A	N/A	N/A
∙ Holding fee (Commitment charges);	N/A	1.00% (applicable to unutilised portion of sancti	N/A	N/A	N/A

Rural Banking Microloan

Rural Banking Microloan

Description of Fee or Charge
Loan Approval Fees - $100 to $2,000;	$45.00	N/A	N/A	N/A	N/A
Loan Administration Charge; per loan per month	$5.00	N/A	N/A	N/A	N/A
Loan Arrears Fee (charged once monthly, if no repayment is made).	$10.00	N/A	N/A	N/A	N/A

Limit / Loan Approval Fee

This fee applies to the following products: Home Loan, Bank Guarantees, Fully Drawn Advances, Standby Letter of Credit and lease finance

Description of Fee or Charge
Application fee (fee reimbursed if loan is declined);
Credit Limits:	N/A	N/A	N/A	$100.00	N/A
- Up to $499;
- $500 to $4,999;	$75.00	N/A	N/A	$150.00	N/A
- $5,000 to $19,999;	$125.00	N/A	N/A	$150.00	N/A
- $20,000 to $49,999;	$250.00	N/A	N/A	$150.00	N/A
- $50,000 to $250,000;	$500.00	N/A	N/A	$150.00	N/A
- $250,001 to $350,000;	1% of limit amount	N/A	N/A	$250.00	N/A
- $350,001 to $450,000;	1% of limit amount	N/A	N/A	$500.00	N/A
- $450,001 and above.	1% of limit amount	N/A	N/A	$1,000.00	N/A
∙ Credit limits for terms up to one month;	1% of limit amount	N/A	N/A	$1,500.00	N/A
	50% normal fee	N/A	N/A	N/A	N/A

Settlement Fee

Surrender of documents on Settlement

Description of Fee or Charge
- One document;	$100.00	$75.00	$100.00	$100.00	$100.00
- Each additional document.	$30.00	$25.00	N/A	N/A	N/A

Investment Property Loans

Establishment Fee

Description of Fee or Charge
- Personal Customers - Residents;	N/A	N/A	N/A	N/A	$750.00
- Personal Customers - Non-Residents;	N/A	N/A	N/A	N/A	$1,000.00
- Company/Trust	N/A	N/A	N/A	N/A	$1,200.00
Switching Fee (Payable when switching between loan and repayment types or when changing loan terms. This is subject to bank approval)	N/A	N/A	N/A	N/A	$300.00
Portability Fee (continue with loan but switch securities)	N/A	N/A	N/A	N/A	$300.00

Property Inspection Fee

Description of Fee or Charge
- First inspection; percentage on Limit/Loan Approval fee (min $50)	N/A	N/A	N/A	N/A	$50.00
- Subsequent visits; per visit (maximum of 6 visits)	N/A	N/A	N/A	N/A	$80.00
- Fee when 6 inspections exceeded; per visit	N/A	N/A	N/A	N/A	$90.00
- First Drawdown fee	N/A	N/A	N/A	N/A	$30.00
- Subsequent Drawdowns (maximum of 6 draws);	N/A	N/A	N/A	N/A	$80.00
- Fee when 6 draws exceeded; per visit	N/A	N/A	N/A	N/A	$40.00
Maintenance Fee ; per month	N/A	N/A	N/A	N/A	$10.00
Redraw Fee; per draw	N/A	N/A	N/A	N/A	$20.00
Top Up Fee	N/A	N/A	N/A	N/A	$300.00
Top Up with Portability	N/A	N/A	N/A	N/A	$300.00

Orbit Account (Revolving Credit)

Description of Fee or Charge
∙ Establishment fee;	N/A	N/A	N/A	$150.00	N/A
∙ Electronic withdrawal fee (own bank);	N/A	N/A	N/A	Free	N/A
∙ Interchange fee;	N/A	N/A	N/A	Free	N/A
∙ Service fee; (monthly)	N/A	N/A	N/A	$5.00	N/A
∙ Activity fee (per transaction);	N/A	N/A	N/A	$0.45	N/A
∙ Collection fee;	N/A	N/A	N/A	$0.40 (1st deposit - free)	N/A

Early Repayment Charge / Early Termination Fee

Description of Fee or Charge
Variable Rate Loan	Payable if loan is repaid within 3 years from acce	N/A		Payable if loan is repaid within 3 years from acce	Payable if loan is repaid within 3 years from acce
Fixed Rate Loan	Payable if customer elects to break the fixed rate	N/A	N/A	N/A	N/A
Service Fee (per month)	N/A	N/A	N/A	$10.00	N/A

Car Loans

Establishment Fee

Description of Fee or Charge
- Up to $499;	N/A	Free	N/A	$75.00	N/A
- $500 to $4,999;	N/A	Free	N/A	$125.00	N/A
- $5,000 to $19,999;	N/A	Free	N/A	$200.00	N/A
- $20,000 to $49,999;	N/A	Free	N/A	$300.00	N/A
- $50,000 and over.	N/A	Free	N/A	1% of approved amount	N/A

Service Fee

Description of Fee or Charge
Conducted by Bank Personnel	N/A	Free	N/A	$40.00	N/A

Cane Farmer Loans

Establishment Fee

Description of Fee or Charge
Up to $1,999;	N/A	N/A	N/A	$75.00
$2,000 - $4,999;	N/A	N/A	N/A	$125.00
$5,000 - 19,999;	N/A	N/A	N/A	$200.00
$20,000 - 49,999;	N/A	N/A	N/A	$500.00
$50,000 and over.	N/A	N/A	N/A	1% of approved amount
Service Fee; (monthly)	N/A	N/A	N/A	$10.00

Inspection Fee

Description of Fee or Charge
- Where transport is provided by the Client;	N/A	N/A	N/A	$40.00	N/A
- Where transport is provided by the bank branch within:
- within 20km of the Bank Branch;	N/A	N/A	N/A	$60.00	N/A
- outside 20km of the bank Branch.	N/A	N/A	N/A	$60.00 (plus $0.50 per km)	N/A

Commitment / Holding Fees - Personal / Business

Commitment / Holding Fees - Personal / Business

Description of Fee or Charge
Term Loans	1% per annum on unused limit or undrawn balance c	1% (applicable to unutilised portion of sanction	1%. (If loan is not drawn within 2 months after c	2% p.a. of undrawn	2% p.a. of unused limit or undrawn balance within
Progressive Draw Loans	N/A	N/A	N/A	N/A	2% p.a. of unused limit or undrawn balance within

International Fees

Detailed information on all fees and charges is provided by Banks through freely available brochures in their respective Branches. For quick reference however, we provide below an analysis of fees and/or charges applied by our member-Banks on some commonly requested banking products and services in Fiji.

Foreign Currency Accounts

Minimum Balance

Description of Fee or Charge
For Non-Resident Individuals
US Dollar	N/A	$250	N/A	N/A	N/A
Australia Dollar	N/A	$500	N/A	N/A	N/A
New Zealand Dollar	N/A	$500	N/A	N/A	N/A
EURO	N/A	£250	N/A	N/A	N/A
For Resident Firm / Organisation
US Dollar	N/A	$1,000	N/A	N/A	N/A
Australia Dollar	N/A	$2,000	N/A	N/A	N/A
New Zealand Dollar	N/A	$2,000	N/A	N/A	N/A
EURO	N/A	£1,000	N/A	N/A	N/A

Foreign Currency High Passbook Account

Description of Fee or Charge
∙ Minimum opening balance	$500.00	N/A	$500.00	$2,500.00	N/A
	JPY: $20,000.00	N/A	JPY: $10,000.00
∙ Number of free withdrawals, per month	1	N/A	N/A	N/A	N/A
	JPY: 1	N/A	N/A
∙ Fee when numberof free withdrawals are exceeded / Activity fee; per item	$5.00	Free	$0.40	$1.00	N/A
	JPY: $280.00	N/A	JPY: $25.00
∙ Maintenance fee	N/A	N/A	$2.00	N/A	N/A
	N/A	N/A	JPY: $250.00
∙ Minimum balance fee	$3.00	N/A	N/A	$5.00	N/A
	JPY: $150.00	N/A	N/A
∙ Fee for closing account within 90 days	$20.00	$10.00	N/A	$30.00	N/A
	JPY: $1,200.00	N/A	N/A	N/A	N/A
∙ Fee for closing account after 90 days, with balance over $1,000	N/A	$7.50	N/A	$20.00	N/A
∙Lost passbook fee	$20.00	N/A	$20.00	$25.00	N/A
	JPY: $1,200.00	N/A	JPY: $1,200.00
∙ Dormant account fee (when account is not been used for 12 months)	$24.00 (2 per month thereafter, when inactive)	N/A	N/A	$30.00 p.a. or account	N/A
	JPY: $1,350.00 ($150.00 per month thereafter)	N/A	N/A	N/A
∙ Base fee; monthly	N/A	N/A	N/A	$2.00	N/A
∙ Standing Order	N/A	N/A	N/A	$5.00	N/A
∙ Term deposit Break fee / Prepayment fee (plus penalty rate)	N/A	N/A	N/A	$25.00 (plus interest adj.)	N/A
∙ FX Cash deposits or swap for outward remittance	N/A	N/A	N/A	1% (min $35.00)	N/A
∙ FX draft/cheque deposit for immediate negotiation	N/A	N/A	N/A	0.50% (min $35.00)	N/A
∙ Branch forward deposit or withdraw/instructions (from overseas account)	N/A	N/A	N/A	$20.00, plus out-of-pocket	N/A

Foreign Currency Current Account

Description of Fee or Charge
∙ Minimum opening balance	$250.00	N/A	$500.00	$2,500.00	1000
	JPY: $20,000.00	N/A	JPY: $10,000.00		JPY: $20,000.00
∙ Minimum balance fee (charged monthly if balance falls below $1,000, JPY $20,000)	N/A	$2.00	$2.00	$2.00	Nil
	N/A	N/A	JPY: $250.00
∙ Withdrawal fee	N/A	Free	N/A	N/A	N/A
∙ Base maintenance fee	$15.00	$2.00	$5.00	$15.00 per quarter	$2.00
	JPY: $850.00	N/A	JPY: $250.00		JPY: $250.00
∙ Activity fee; per transaction	$0.40	$0.20	$0.40	$0.40	$0.40
	JPY: $25.00	N/A	JPY: $25.00
∙ Collection fee; per cheque deposited	$0.40	N/A	$0.40	$0.40 (first cheque deposited free)
	JPY: $25.00	N/A	JPY: $25.00
∙ Drawings to purchase cash	N/A	N/A	N/A	N/A	1% (min $30.00, max $150.00)
∙ Statement first copy	$2.00	N/A	N/A	Free	Free
	JPY: $350.00	N/A	N/A
∙ Additional copy	$5.00	$5.00	$5.00	$5.00 (per page)	$10.00
	JPY: $350.00	N/A	JPY: $300.00
∙ Audit certificate	$40.00	$10.00	$35.00	$35.00	$40.00
	JPY: $2,500.00	N/A	JPY: $2,00.00
∙ Standing Order (for internal transfer)	$2.00 AUD, $1.00 USD, $0.50 GBP, $2.00 NZD.	$5.00	$5.00	$5.00	N/A
	JPY: $150.00		JPY: $250.00
∙ Dormant account fee	$24.00 ($2.00 per month thereafter, when inactive	$5.00 (half yearly)	$2.00 per month	$2.00 per month	N/A
	JPY: $1,350 ($150 per month thereafter, when inact	N/A	JPY: $250.00	N/A	N/A
∙ Term deposit Break fee / Prepayment fee (plus penalty rate)	$30.00	$10.00	$30.00	$25.00 (plus interest adj.)	N/A
	JPY: $30.00	N/A	N/A	N/A	N/A
∙ Account closure:
- Within 3 months	N/A	$10.00	N/A	$50.00	N/A
- After 3 months	N/A	$7.50	N/A	$20.00	N/A

Inward Credit

Description of Fee or Charge
∙ Telegraphic transfer	N/A	$10.00 (plus stamp duty)	N/A	N/A
∙ DD / Travellers Cheques	N/A	$10.00 (plus stamp duty)	N/A	N/A
∙ Cash	N/A	Nil	N/A	N/A

Issuance

Description of Fee or Charge
∙ DD	N/A	$10.00 (plus stamp duty)
∙ Telegraphic transfer	N/A	$25.00 (plus stamp duty)
∙ Travellers cheques	N/A	1.00% (min $10.00, plus stamp duty)
∙ Cash	N/A	Nil

Applicable To All Foreign Currency Accounts

Deposits By Personal and Business Customers

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ Cash deposits	1.00% (min $10.00)	N/A	1.00% (min $10.00)	1.00% (min $35.00)	1% (min $50, max $300.00)
∙ Drafts, Cheques and Travellers Cheque deposits	0.75% (min $50; max $950)	N/A	0.50% (min $35.00)	0.50% (min $35.00)	0.50% (min $30.00, max $150.00)
∙ Drawings for deposit to FJD Account	N/A	N/A	N/A	$2.00	Free

Deposits Made By Money Exchange Companies

Description of Fee or Charge
∙ Cash deposits	5.00% (min $50.00)	N/A	N/A	N/A	N/A
∙ Drafts, Cheques and Travellers Cheque deposits	1.00% (min $50.00)	N/A	N/A	N/A	N/A

Withdrawals

Description of Fee or Charge
∙ To purchase Foreign Currency cash	Free	N/A	Free	Free	0.50% (min $30.00, max $150.00)
	max $500 (Third Party cost)	N/A
∙ To purchase Foreign Currency, TT's and Drafts.	N/A	N/A	Free	Free	0.50% (min $30.00, max $150.00)

Travellers Cheques

Travellers Cheques

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ Issue of Travellers Cheques	1.00% (min $10.00)	1.00% (min $10.00)	1.00% (min $10.00)	1.00% (min $10.00)	1.00% (min $10.00)

Travellers Cheques (Encashmnet) For Taveuni Branch Only

Description of Fee or Charge
Client rate	N/A	N/A	N/A	$2.00	N/A
∙ Non-Client rate:
- where amount is below FJD$200	N/A	N/A	N/A	$2.00	N/A
- amounts FJD$200 to below FJD$500	N/A	N/A	N/A	$5.00	N/A
- amounts FJD$500 to below FJD$1,000	N/A	N/A	N/A	$10.00	N/A
- amounts over FJD$1,000	N/A	N/A	N/A	1% of value	N/A

Repurchase Of Drafts / Telegrafic Transfers

Repurchase of Drafts / Telegraphic Transfers

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ Original item on hand	$25.00	$15.00	N/A	N/A	N/A
∙ Placing a Stop Payment on any drawing; (per item)	$50 plus Agent Bank fees	15 plus stamp duty	N/A	N/A	N/A
∙ Fate request	$25.00	$15.00	N/A	N/A	N/A
∙ Telegraphic transfer cancellation / Refunds	$25.00	$15.00	N/A	N/A	N/A

Payments Outward

Issuance

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ Telegraphic transfer	$25.00	$25.00	$25.00	N/A	$25.00
∙ Telephonic transfer	$25.00	N/A	N/A	N/A	$30.00
∙ Mail transfer	N/A	$10.00	N/A	N/A	N/A
∙ Issuance of Draft and SWIFT (plus SWIFT/Draft cost if applicable)	$10.00	$10.00	$15.00	0.35% (min $30.00)	N/A
∙ Drafts in Fiji Dollar	0.25% (min $30, max $130)		$15.00	0.35% (min $30.00)	0.25% (min $30.00, max $100)
∙ Telegraphic transfers in Fiji Dollar	0.25% (min $30, max $130)	$7.50	$15.00	0.35% (min $30.00)	0.25% (min $30.00, max $100)
∙ Drafts and Telegraphic transfers in Foreign Currency from Foreign
Currency Account	0.25% (min $30, max $130)	N/A	N/A	$10.00 plus Stamp Duty	N/A
∙ Re-purchase of Drafts with items on hand	N/A	$15.00	$15.00	$15.00 + draft cost + stamp duty	N/A
∙ Re-purchase of Drafts without items	N/A	N/A	$35.00	$25.00 + out-of-pocket expense	$25.00 + new draft cost $10 + SWIFT cost & stamp
∙ Placing a Stop Payment on Draft; per item	N/A	$15.00 + stamp duty	$20.00	$20.00 + out-of-pocket expense	$25.00
∙ SWIFT cancellation / refunds	N/A	N/A	N/A	$20.00 + out-of-pocket expense	N/A
∙ Payment - with multiple beneficiaries; per item listing	N/A	N/A	N/A	$3.00	N/A

Payments Inward

Inward Telegraphic Transfers and Drafts

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ Credited to Local Currency account within own Bank	$10.00	$8.00	$10.00	$10.00	$10.00
∙ Credited to Foreign Currency account within own Bank;	$10.00	$10.00	$10.00	$15.00	$10.00
∙ Foreign Currency credited to Local Currency account with other banks	$15.00	N/A	$15.00	N/A	$15.00
∙ Inward SWIFT Transfers (all currency payable in FJD, own customers);	N/A	$8.00	N/A	$10.00	N/A
∙ Inward SWIFT Transfers (all currency payable in FJD, other bank customers);	N/A	$15.00	N/A	$15.00	N/A
∙ Letter of confirmation of receipt to RBF or others;	N/A	$10.00	N/A	$20.00	N/A
Payment in Foreign Currency to other Bank\'s;	$70 plus Telegraphic Transfer charges $25.00	$11.00	$75.00	$70.00 + $25.00 SWIFT cost	$70.00 + $25.00 SWIFT cost
∙ Payment in multiple lists; per item	N/A	N/A	N/A	$5.00	$5.00
∙ Encashment of Fiji Dollar Drafts drawn within own Bank;	$10.00	N/A	$10.00	$10.00	N/A
∙ Drafts drawn on other local Bank\'s	$20.00	N/A	$20.00	$20.00	N/A
∙ Payment to customers (upon positive identification)	$20.00	N/A	$20.00	$20.00	$25.00 + $0.04 stamp duty
∙ Seeking clarification on payment instructions from overseas banks;	N/A	N/A	N/A	$7.50	N/A
∙ Clean payment orders in FJD and Foreign Currency;	N/A	N/A	N/A	Free	N/A
∙ Interbank payment;	Free	N/A	N/A	N/A	N/A
∙ Payment to other banks for account of 3rd parties irrespective of amount;	N/A	N/A	N/A	$20.00	N/A
∙ Letter of Confirmation for receipt of funds / Clarification of payment items;	$25.00	N/A	$20.00	$10.00	$25.00
∙ Facsimile advices / For seeking instruction from beneficiary;	$10.00	$5.00	N/A	$10.00	$10.00
∙ Seeking reimbursements for payments outside arrangements (Charged to beneficiary unless otherwise stated);	$30.00	N/A	N/A	$20.00	N/A
∙ Requests by overseas party for stop payment on drafts;	N/A	$15.00 + stamp duty	N/A	$20.00	$25.00
∙ Customer uses branch to forward deposit or withdrawal instruction from overseas accounts.	N/A	$25.00 (Aust/NZ/India) $35.00 (other coutries)	N/A	$30.00 flat fee, inclusive of SWIFT charge	N/A

Foreign Cash (Encashment) for Taveuni Branch Only

Description of Fee or Charge
∙ Client rate;	N/A	N/A	N/A	$2.50	N/A
∙ Non-Client:-
- amounts below FJD $200;	N/A	N/A	N/A	$2.50	N/A
- amounts FJD$200 to below FJD$500;	N/A	N/A	N/A	$5.50	N/A
- amounts FJD$500 to below FJD$1,000;	N/A	N/A	N/A	$10.50	N/A
- amounts over FJD$1,000.	N/A	N/A	N/A	1% of value	N/A

Bills Outward / Collections Outward

Bills Outward / Collections Outward

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ Negotiation of clean items including drafts, cheques and dividend warrants in foreign currency (excluding travellers cheques);	N/A	plus $3.00 + actual + $10.00	N/A	Free up to $50.00	N/A
∙ Collection - clean items including drafts, cheques and dividend warrants	N/A	$10.00 + postage/postage/Duty/Tlx/Fax	N/A	0.50% (min $30.00) + courier cost	N/A
∙ Dishonours;	N/A	0.50% (min $30.00 + $5 posta	N/A	$30.00	N/A
∙ Drafts on local banks (all currencies);	N/A	N/A	N/A	$25.00	$25.00
∙ Drafts drawn outside arrangements;	N/A	N/A	N/A	N/A	$25.00 + out-of-pocket expenses & overseas bank fe
∙ Drafts on own bank (all currencies).	N/A	N/A	N/A	N/A	$10.00

Drafts and Cheques Negotiated and / or Sent on Collection Basis

Description of Fee or Charge
∙ Travellers cheques; per transaction	$5.00	N/A	N/A	N/A	$5.00 (all currencies except JPY)
∙ Pension cheques;	Free	N/A	N/A	N/A	Free
∙ Drafts and Cheque negotiated up to $5,000 equivalent under Bills Negotiable Not Under Credit (BNNUCR);	0.75% (min $50, max $950)	N/A	N/A	N/A	N/A
∙ Items above $10,000;	N/A	N/A	N/A	N/A	N/A
∙ Drafts and Cheques sent on collection basis;	$60 plus courier cost $25	N/A	min $30.00	N/A	0.75% (min $30 + bank cost + SWIFT cost
∙ Personal cheques / Company cheques;	N/A	N/A	N/A	N/A	$25.00
∙ Mail payment orders;	N/A	N/A	N/A	N/A	$25.00
∙ Cashiers cheques.	N/A	N/A	N/A	N/A	$25.00

Documentary Items Negotiated and / or Sent on Collection Basis

Description of Fee or Charge
∙ Sight or Term sent on collection basis / Documentary bills; per item	0.50% (min $50, max $950)	N/A	0.50% (min $30.00)	0.50% (min $30.00, no max) + postage & stamp duty	N/A
∙ Negotiated under Bills Negotiable Not Under Credit (BNNUCR); each.	0.75% (min $60, max $950)	N/A	N/A	0.50% (min $30.00, no max)	0.50% (min $30.00, max $1,000.00)

Additional Charges

Description of Fee or Charge
∙ Air-mail postage;	$10.00	$3.00 plus Stamp Duty	$10.00	$5.00 + Stamp Duty	N/A
∙ Courier;	$25.00	N/A	N/A	$50.00	N/A
∙ SWIFT advice;	$25.00	N/A	N/A	N/A	N/A
∙ Facsimile	$10.00	$10.00	N/A	N/A	N/A

Dishonours - Drafts, Cheques and Documentary Items

Description of Fee or Charge
∙ Representation;	$30.00	$20.00	$40.00 (plus actual overseas charges)	$30.00	$30.00 (max $100.00)
∙ Extension;	$30.00	$20.00		$30.00	$30.00
∙ Any further charges.	N/A	$20.00	N/A	N/A	N/A

Export License

Description of Fee or Charge
∙ Letter to the Reserve Bank of Fiji confirming receipt of export proceeds;	$25.00	$10.00	$20.00	$20.00	$20.00
∙ Letter to exporter seeking confirmation of export proceeds;	$25.00	N/A	$20.00	$20.00	$20.00
∙ Letter requesting details of Outstanding items;	$20.00	N/A	$20.00	N/A	N/A
∙ For each draw down.	N/A	$30.00	N/A	N/A	N/A

Bills Inward / Collections Inward (Discounted)

Collections of Drafts and Cheques

Description of Fee or Charge
Cheques and Accepted Bills Payable to a Bank
a) For immediate credit to the account of an overseas Bank without advice of final payment and without the need to refer to Exchange Control.	Free	N/A	N/A	Free + SWIFT cost if applicable	N/A
b) For collection and credit or remittance only after payment or where Exchange Control is necessary.	0.50% (min $50, max $950)	N/A	min $40.00, max 0.40%	0.50% (min $30) + SWIFT cost	N/A
c) Dishonour (all currencies);	N/A	$25.00	N/A	$30.00 + SWIFT cost	$30.00
d) Representation;	N/A	N/A	N/A	$30.00	$30.00
e) Clean collection from local bank.	N/A	N/A	N/A	$30.00	N/A

Fijian Currency Notes

Description of Fee or Charge
b) In excess of $1,000. * (Plus actual our-of-pocket expenses for colleting & handling notes)	0.50% (min $50, max $100)*	N/A	N/A	N/A	N/A
a) Up to $1,000;	$10.00 *	N/A	N/A	N/A	N/A

Documentary Bills

Description of Fee or Charge
Documentary Bills.	N/A	0.50% + postage/stamp duty/Tlx/Fax (min $30 + $7.5	N/A	0.50% (min $30.00, no max) + postage & stamp duty.	0.50% (min $50.00, max $1,000) + postage $5.00

Collection of Documentary Bills

Description of Fee or Charge
- Free release of documents, of payment or against undertaking;	$50.00	$50.00	N/A	$50.00 per set	N/A
- Collection received from overseas Bank's, branches or direct from drawers;	0.50% (min $50, max $950)		0.50% (min $40.00)	0.50% (min $30.00)	N/A
- Collection received through other local Bank's;	$20.00	$15.00	N/A	$20.00	N/A

Additional Charges

Description of Fee or Charge
∙ Air-mail postage;	$10.00	$5.00	$10.00	N/A	$5.00
∙ Facsimile advice;	$10.00	$10.00	N/A	N/A	N/A
∙ SWIFT advice;	$25.00	$30.00	$25.00	N/A	$25.00
∙ Remittance of proceeds;	$25.00		N/A	N/A	N/A
∙ Free release of documents.	N/A	$50.00	$40.00	N/A	N/A

Responsibility Fee

Description of Fee or Charge
∙ For extension of a bill;	$30.00 *	$30.00	$40.00	$30.00	$30.00
∙ Delivery orders; per order	$10.00	$10.00	$10.00	$10.00	$10.00
∙ Referral to off-shore bank;	N/A	min $30.00 + $5 + actual + min $10	N/A	N/A	$30.00
∙ Warehousing / Storing and insuring goods / Bonding charges;	N/A	$50.00 + out-of-pocket expense	N/A	$40.00 + out-of-pocket expense & legal cost	$40.00
∙Noting / Protesting;	N/A	$50.00 plus solicitors cost	N/A	$40.00 + legal costs	$40.00
∙ Obtaining instruction from remitting bank;	N/A	N/A	N/A	$15.00 airmail/SWIFT costs	N/A
∙ Part payment;	$20.00	N/A	$40.00	$20.00	$30.00
∙ Contact in case of need;	$15.00	N/A	$15.00	$15.00	$15.00
∙ Free release of document;	N/A	$50.00	$40.00	$50.00	$40.00
- Endorsement of bill	N/A	N/A	N/A	N/A	0.5% min $50.00
∙ Where two banks are concerned in the collection of an item;	N/A		N/A	N/A	$20.00 (retained by the bank receiving the bill fr
∙ Bills Discounted:-
- Acceptance commission;	N/A		N/A	1.00% min $50.00	N/A
- Interest. * (Plus actual our-of-pocket expenses for collecting & handling notes)	N/A		N/A	Customers OD rate from date of discount to payment	N/A
ADVICE OF FATE of SWIFT/DRAFT (plus SWIFT cost)	N/A	$15.00	$25.00	$15.00	$20.00
ADVICE OF FATE of Bill (plus cost)	N/A	N/A	N/A	N/A	$20.00

Dishonours

Description of Fee or Charge
∙ Drafts and cheques;	$30.00		N/A	$30.00	$30.00
∙ Documentary items / Representation;	$30.00	$25.00	N/A	$30.00	$30.00
∙ Noting and processing a bill;	$50.00 plus solicitors cost	$50.00 plus solicitors cost & other costs	N/A	N/A	N/A
∙ Storing and insuring goods.	$50.00 plus cost	N/A	N/A	N/A	N/A

Representation of Dishonours Items

Description of Fee or Charge
∙ Drafts and cheques; per representation	$30.00	N/A	N/A	$30.00	$30.00
∙ Documentary items; per representation	$30.00	$20.00	N/A	N/A	$30.00
∙ Representation of Bills answered "Pay 0r Accept on Arrival of Goods";	N/A	$15.00	N/A	Free	N/A
∙ Letter requesting details of outstanding items,	$20.00	N/A	N/A	N/A	N/A
∙ Bill dishonoured on due date for financial reason.	N/A	$25.00	N/A	N/A	N/A

Export Finance Facility

Export Finance Facility

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ Pre-shipment export finance; per application (Processing fee)	$50.00	N/A	$50.00	N/A	SAME FEE AS WESTPAC TRADE FINANCE
∙ Post-shipment export finance; per application (Processing fee)	$50.00	N/A	$50.00	N/A	SAME FEE AS WESTPAC TRADE FINANCE

Forward Exchange Contracts

Forward Exchange Contracts

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ New Contracts; per drawing	$30.00	N/A	$30.00	$30.00	$25.00
∙ Extensions; per drawing	$30.00	N/A	$30.00	$30.00	$25.00
∙ Cancellations; per drawing	$30.00	N/A	$30.00	$30.00	$25.00
∙ Partial delivery under equivalent of $10,000; for each delivery.	$10.00	N/A	$10.00	$10.00	$10.00

Documentary Credits Inward (Export Credits)

Documentary Credits Inward (Export Credits)

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ Advising credits/commission:
- Client;	$35.00	$30.00	$40.00	$30.00	$35.00
- Other Bank Client;	$35.00	N/A	$40.00	$30.00	$35.00
∙ Advising amendments if The Bank negotiates credit;
- Client;	Free	$85.00	$40.00	$25.00	$25.00
- Other Bank Client;	Free	N/A	$40.00	$25.00	$25.00
∙ Negotiated by other bank;	$35.00		N/A	N/A	N/A
∙ Confirmation of credit;	On application (min $125)	1.00% (min $50.00)	0.40% (min $40.00)	On application (ref. Manager Int'l/Treasury)	As per advice from Trade Risk Unit Sydney + margin
∙ Acting as paying or reimbursing Bank;	$125.00	$50.00	$50.00	$100.00	$50.00
∙ Acceptance of Term Drawings on The Bank in Fiji;	1.50% p.a. (min $125, max $950)	1.50% (min $30.00)	1.50% (min $30.00)	1.50% (min $30.00)	1.50% per 30 days (min $30.00, max $1,000.00)
∙ Without Recourse Drawing;	N/A	1.00% (min $75.00)	N/A	On application (ref. Manager Int'l/Treasury)	As per advice from Trade Risk Unit Sydney + margin
∙ Transferrable credits:
- Simple transfer;	$50.00	$40.00	$50.00	$50.00	$50.00
- Involved transfer;	$100.00	$50.00	$50.00	$50.00	$50.00
∙ Negotiations under Documentary Credits:
- Basic fee.	0.75% (min $125, max $950)	0.50% (min $30, max $1,000)	$0.50 (min $30.00)	0.50% (min $30.00, no max.)	0.50% (min $30.00, max $1,000.00)
∙ Expired without negotiations.	N/A	N/A	N/A	$30.00	N/A

Plus

Description of Fee or Charge
∙ For discrepant documents / payment fee; per transaction	$50.00	$50.00	N/A	N/A	N/A
∙ Acceptance of Term Drawings on The Bank in Fiji;	1.50% p.a. (min $125, max $950)	1.50% (min $30.00)	N/A	1.50% (min $30.00)	N/A
∙ Additonal charges:-
- Air-mail postage;	$10.00	N/A	N/A	N/A	N/A
- Courier;	$25.00	N/A	N/A	N/A	N/A
- SWIFT advice;	$25.00	N/A	N/A	N/A	N/A
- Facsimile	$10.00	N/A	N/A	N/A	N/A
∙ Checked than sent for collection;	0.50% (min $125, max $950)	N/A	N/A	N/A	N/A
∙ Negotiation of drawings in either Overseas or in Fijian currency;	N/A	0.50% (min $30.00; max $1,000.00)	N/A	N/A	N/A
∙ Negotiation without recourse to drawer here the credit specifically so
provides or the customer so requests and the Bank agrees.	On application (min $125)	1.00% (min $75.00)	N/A	N/A	N/A

Documentary Credits Outward (Export Credits)

Documentary Credits Outward (Export Credits)

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
Commission on credits issued for about amount is to be calculated on 110%, or 100% of the Documentary Credit Account		(maximum validity of 6 months)
- Establishment charges;	N/A	plus postage/ stamp duty / telex / fax	N/A	N/A	N/A
- Issuing charges (maximum validity of 12 months);	0.75% (min $50)	0.50% (+ $5 + actual + $10, min $30)	0.50% (min $50.00)	0.50% (min $50.00)	0.50% (min $50.00, max $1,000)
- For Terms up to 2 months / 60 days;	N/A	N/A	N/A	N/A	N/A
- For Terms up to 3 months / 90 days;	N/A	0.625% (min $30 + actual + $10)	N/A	0.50% (min $50.00)	N/A
- For Terms up to 4 months / 120 days;	N/A	0.75% (min $30 + actual + $10)	N/A	0.50% (min $50.00)	N/A
- For Terms up to 5 months / 150 days;	N/A	0.875% (min $30 + actual + $10)	N/A	0.50% (min $50.00)	N/A
- For Terms up to 6 months / 180 days;	N/A	1.00% (min $30 + actual + $10)	N/A	0.50% (min $50.00)	N/A
- For Terms over 6 months;	N/A	N/A	N/A	0.50% (min $50.00)	N/A
- SWIFT charge / Full length letter of Credit by SWIFT;	$40.00	$30.00	N/A	$40.00	N/A
- Deferred payment credits;	N/A	N/A	0.40% (min $40.00)	N/A	N/A
- Amendments (increase in amount);	N/A	$20.00 + commission & charges	$40.00	$20.00	0.50% (min $50.00)
- Amendments (others);	N/A	$30.00	N/A	N/A	$30.00
- Expired - without negotiation;	N/A		N/A	$30.00	N/A
- Authorisation of irregular drawings (plus SWIFT cost);	N/A		$40.00	$30.00	N/A
- Postage;	$10.00	$5.00	N/A	N/A	N/A
- Courier / Mail LC;	N/A	N/A	$45.00	N/A	N/A
- Stamp Duty for LC applications;	N/A	$0.08	$1.00	1% min $50.00	N/A
- Cancellation	N/A	N/A	N/A	$30.00	N/A
- Where L/C is issued for an 'about' amount	N/A	N/A	N/A	Commission to be calculated on 110% of the L/C amo	N/A
- Multiple drawing fee.	N/A	N/A	N/A	$20.00	$10.00
Revolving Credits	Issuing charges plus as for new credit at each rei	Issuing charges as above plus as for new credit at	N/A	Charge as for a new credit.	As per establishment charges 0.5% (min $50.00)

Amendment

Description of Fee or Charge
- Basic;	$35.00	N/A	N/A	$30.00	N/A
- Increase in amount;	As for a new credit	N/A	N/A	As for a new credit	N/A
- Extension of expiry date (within 12 months of issuance);	$35.00	N/A	N/A	N/A	N/A
- Extension of expiry date (beyond 12 months of issuance);	As for new credit on outstanding balance.	N/A	N/A	N/A	N/A
- SWIFT charge;	$25.00	N/A	N/A	N/A	N/A
- Postage;	$10.00	N/A	N/A	N/A	N/A
- Facsimile.	$10.00	N/A	N/A	N/A	N/A

Authorisation of Irregular Drawings

Description of Fee or Charge
- Exess Drawings.	$35 plus commission at issuing rate on the amount	N/A	N/A	$30.00	0.50% (min $50.00)

Expired Credits

Description of Fee or Charge
- Drawn within 12 months of issuance;	$35.00	N/A	N/A	N/A	N/A
- Drawn beyond 12 months of issuance.	As for new credit (on outstanding balance)	N/A	N/A	N/A	N/A
∙ Any other discrepancies;	$35.00	N/A	N/A	$30.00	$30.00
∙ Acting as paying / reimbursement Bank; per drawing;	$125.00	$50.00	N/A	N/A	$100.00
∙ Acceptance of Term Drawings on The Bank in Fiji;	1.50% p.a. (min $125)	1.50% (min $30.00)	N/A	N/A	1.50% p.a. (min $100.00, max $1,000.00)
∙ Letter requesting details of outstanding items.	$20.00	N/A	N/A	N/A	$30.00

Shipping Guarantees

Shipping Guarantees

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ Establishment. (plus stamp duty).	1.75% (min $50.00)	N/A	1.25% (min $40.00)	1.50% (min $50)	1.50% (min $50.00, max $1,000.00)
∙ Stamp duty;	N/A	N/A	N/A	$1.00	N/A

Half Yearly Charge

Description of Fee or Charge
∙ Up to 3 months;	N/A	0.50% (min $50.00, max $100.00)	N/A	N/A	N/A
∙ Beyond 3 months;	N/A	$75.00 per quarter	N/A	N/A	N/A
∙ First half year;	$100.00	0.50% (min $50.00, max $100.00)	1.25% (min $40.00)	$100.00	$100.00
∙ Second half year;	$150.00	$75.00 per quarter	1.25% (min $40.00)	$150.00	$150.00
∙ Third and subsequent half yearly charge;	$250.00	$75.00 per quarter	1.25% (min $40.00)	$200.00	$200.00
∙ Release of Airway bills.	1.50% (min $50)	$50.00	N/A	N/A	N/A

Airway Bills Guarantees

Airway Bills Guarantees

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ Establishment. (plus stamp duty).	N/A	1.00% (min $75.00)	N/A	1.50% (min $50.00)	1.50% (min $50.00, max $1,000.00)
∙ Endorsement of air cargo bill	N/A	$20.00	N/A	$50.00	N/A

Swap Commission

Non Commercial Transactions

Description of Fee or Charge
∙ Inward Telegraphic Transfers swapped for Foreign Currency cash; * If Foreign Currency is not available at local branch	Free max $500 (Third party cost)*	N/A	0.50% (min $30.00)	0.50% (min $50, max $500)	$50.00 plus new transaction costs/fees max $300.00
∙ Inward Telegraphic Transfers swapped for Drafts;	$30.00	N/A	N.A	0.50% (min $50, max $500)	$50.00 plus new transaction costs/fees max $300.00
∙ Foreign Currency cash to Travellers Cheques & Telegraphic Transfers;	1% (min $10.00)	N/A	$25.00	0.50% (min $50, max $500)	1% min
∙ Foreign Currency cash to Drafts & Telegraphic Transfers;	1% (min $10.00)	N/A	$15.00	1.0% (min $30.00)	1% min
∙ Inter-bank;	N/A	N/A	N/A	$70.00 + SWIFT charge	N/A
∙ Foreign Currency deposit.	N/A	N/A	N/A	1.0% (min $30.00)	N/A

Commercial - Money Exchange Companies

Description of Fee or Charge
∙ Foreign Currency cash to Telegraphic Transfers, Drafts & Travellers Cheques;	5% (min $50.00)	N/A	$50.00	1% (min $30.00)	N/A
∙ Inward Telegraphic Transfers, Draft & Travellers Cheques to Foreign Currency cash (above $10,000 per day);	Free	N/A	$50.00	0.50% (min $50, max $500)	$50.00 per item
* If Foreign Currency is not available at local branch	max $500 (Third party cost)*
∙ Cash deposit;	N/A		1.50% (min $50.00)	1.50% (min $100.00)	1.50% (min $100.00, max $1,500.00)
∙ Drafts, Clean Cheque for deposit to FJD account; per item	N/A	N/A	N/A	N/A	$50.00
∙ Drafts, Clean Cheque for deposit to Foreign Currency A/C	N/A	N/A	N/A	N/A	$50.00 plus 0.5% Swap commission (min $50, max $1,

Travelex Money Transfer

International Sends From Fiji

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ $0 to $400;	$20.00	N/A	N/A	N/A	N/A
∙ $401 to $1,000;	$40.00	N/A	N/A	N/A	N/A
∙ $1,001 to $2,000;	$60.00	N/A	N/A	N/A	N/A
∙ $2,001 and above	3% of send value	N/A	N/A	N/A	N/A

Domestic Sends Within Fiji

Description of Fee or Charge
∙ $0 to $1,000;	$15.00	N/A	N/A	N/A	N/A
∙ $1,001 to $2,000;	$20.00	N/A	N/A	N/A	N/A
∙ $2,001 and above	2% of send value	N/A	N/A	N/A	N/A

Value Added Service Fees

Description of Fee or Charge
∙ Account Deposit
- To Australia and New Zealand	$5.00	N/A	N/A	N/A	N/A
- Telephone Notification.	$5.00	N/A	N/A	N/A	N/A

Standby Letter For Credit (Outward)

Standby Letter fo Credit Outward

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ Issuance:
- Establishment charge	1.75% (min $50)	N/A	1.75% (min $50)	N/A	N/A
- Half yearly charge	1.75% (min $50)	N/A	1.75% (min $50)	N/A	N/A
∙ Confirmation;	On application	N/A	N/A	N/A	N/A
∙ SWIFT charge;	$40.00	N/A	$40.00	N/A	N/A
∙ Postage;	$10.00	N/A	$10.00	N/A	N/A
∙ Amendment:
- Basic	$50.00	$50.00	$50.00	N/A	N/A
- Increase in amount	As for new credit	$20.00 + commission & charges as above	$50.00	N/A	N/A
- SWIFT charge	$25.00	N/A	$25.00	N/A	N/A
- Postage	$10.00	N/A	$10.00	N/A	N/A
∙ Amendment of any other nature; each amendment	N/A	$30.00	N/A	N/A	N/A
∙ Acting as paying / reimbursing Bank (per drawing).	$125.00	$50.00	$125.00	N/A	N/A

Standby Letter Of Credit (Inward)

Standby Letter of Credit (Inward)

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ Advising Credit;	$100.00	N/A	$100.00	N/A	N/A
∙ Advising Amendment;	$50.00	N/A	$50.00	N/A	N/A
∙ Negotiation;	0.75% (min $125, max $950)	N/A	0.75% (min $125, max $950)	N/A	N/A
∙ Postage;	$10.00	N/A	$10.00	N/A	N/A
∙ Courier;	$25.00	N/A	$25.00	N/A	N/A
∙ SWIFT	$25.00	N/A	$25.00	N/A	N/A
∙ Confirmation; on application	min $125	N/A	min $125; max $950	N/A	N/A

Advance Bills Trust Receipt

Import Bills Under LC

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ Up to 90 days straight plus extension;	N/A	0.75% (min $50) {upto 30 days or part thereof, th	N/A	N/A	N/A
∙ For 120 days straight;	N/A	1.00% (min $50.00) {1% for every single min $20.0	N/A	N/A	N/A
∙ Dishonour AB/TR; per entry	N/A	$100.00	N/A	N/A	N/A

Cheques Deposit Parcel

Cheques Deposit Parcel

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ Below $10,000.00	N/A	$7.54	N/A	$50.00	$50.00
∙ Above $10,000.00	N/A	$10.04	N/A	$70.00	$100.00

Rapid Funds To India

Rapid Funds to India

Description of Fee or Charge
∙ Where both remitter and beneficiary are customers of Bank of Baroda;	N/A	Free	N/A	N/A	N/A
∙ Where remitter is not a customer of our Fiji branch, but beneficiary is our customer in India;	N/A	$15.00	N/A	N/A	N/A
∙ Where remitter is a customer of our Fiji branch, but beneficiary is a customer of another bank in India;	N/A	$15.00	N/A	N/A	N/A
∙ Where neither the remitter nor beneficiary is a customer of our Bank.	N/A	$25.00	N/A	N/A	N/A

Trade Finance Loans (Foreign Currency and FJD)

Trade Finance Loans (Foreign Currency and FJD)

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ New;	$50.00	N/A	N/A	N/A	$50.00 (plus interest at customers OD rate)
∙ Prepayment;	$50.00	N/A	N/A	N/A	$50.00
∙ Roll-over / Extension;	$50.00	N/A	N/A	N/A	$50.00 (plus interest at customers OD rate)
∙ Overseas Bills Discounted Trade Finance facility upto maximum 90 days;	N/A	N/A	Overdraft interest rate applies	N/A	N/A
∙ Overdue charges on Trade Finance over and above the agreed rate.	N/A	N/A	4%	N/A	N/A

Trade Finance Loans (Foreign Currency Overseas Trade Finance)

Trade Finance Loans (Foreign Currency Overseas Trade Finance)

Description of Fee or Charge
	FJD	FJD	FJD	FJD	FJD
∙ New;	N/A	N/A	N/A	N/A	$100.00 Plus interest at prime rate plus margin 1.
∙ Prepayment;	N/A	N/A	N/A	N/A	$100.00
∙ Roll-over / Extension;	N/A	N/A	N/A	N/A	$100.00 Plus interest at prime rate plus margin 1.