rbs savings account detail

OUT OF POCKET EXPENSES

L/2

00

8/1

0/0

2

The above mentioned charges exclude service tax and education cess thereon.

ConditionsProductS. No.

Sign up for any of the following.

And undertake any two of the following transactions every month.

Transaction DescriptionTransaction TypeS. No.

a) Investments Rs. 50,000 of equity or Rs. 2,00,000 of Debt or Systematic Investment Plan

of Rs. 2,000 per month (Minimum tenor of 12 months) at the time of sign up.

b) Insurance Any insurance policy with a Direct Debit mandate to your Flex Advantage

Savings Account.

c) Credit Card Standing Instructions for minimum payment of your RBS Credit Card from

your Flex Advantage Savings Account.

d) Fixed Deposit Any RBS Fixed Deposit over Rs. 50,000 (minimum tenor six months).

a) Investment Payments Make any Mutual Fund or Systematic Investment Plan payment by

cheque or through Direct Debit from your Flex Advantage Savings

Account.

b) Insurance Payments Pay your insurance premium through Direct Debit, cheque or the Bill

payment option, available through Bank by Phone, NetBanking or

ATMs.

c) Credit Card Payments Payment of any Card (RBS or otherwise) through Direct Debit, cheque

or the Bill payment option, available through Bank by Phone,

NetBanking or ATMs.

d) Loan Payments Payment of loans from RBS or any other bank through cheque or

Standing Instructions.

e) Bill Payments Utility payments through cheque or the Bill payment option, available

through Bank by Phone, NetBanking or ATMs.

f) Retail Purchases Any purchase through your RBS Debit Card.

g) Deposits Any deposits to your Flex Advantage Savings Account in the form of

cheques, cash or fund transfer.

With effect from April, 2011

www.rbs.in

Bank by Phone

Postage, cable/telex expenses, correspondence charges and other out of pocket expenses, if any, may be addedto the above charges.

• Only one Supplementary Debit Card and Inquiry only Bank by Phone access ID will be provided to acustomer.

• Service charges for non-maintenance of minimum balance/non performance of transactions will not beapplicable in the month in which the account is opened.

• Customers holding a Maestro Debit Card may access only Cirrus ATMs.• The Royal Bank of Scotland N.V. reserves the right to assess charges on transactions which are not

covered by this schedule and to amend without prior notice the terms and conditions governing suchservices mentioned above and rates stated in this schedule.

• Any change in the charge tariff will be applied after a notice of atleast 30 days.• All transactions involving sale or purchase of foreign exchange will be subject to a charge of Rs. 25.00 per

transaction in addition to the charges stated above. This is exclusive of taxes as applicable fromtime to time.

+ Add-on Account Debit Card fee is Rs. 180 p.a. This is applicable to supplementary Debit Cards aswell.

*** Subject to fulfillment of monthly Transaction criteria.

Note:

#

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Free transactions are available if minimum average balance is maintained.The special benefits associated with the Familink account are being extended only till such time theIntroducer account continues under a salaried account programme with the Bank.Demand Draft / Cashier’s Cheque upto Rs. 50,000 is free per month subject to fulfillment ofmonthly Transaction criteria.

* Effective 15th Oct 2009 first 5 Cash Withdrawal transactions at non RBS ATM's are free per month.** Subsequent to the month where transaction criteria are not fulfilled and balance is less than Rs.10,000

for Flex Advantage customers. For other customers, this is applicable subsequent to the month whereminimum average balance is not maintained.

The Royal Bank of Scotland

SAVINGS ACCOUNT

Agra

Ahmedabad

Bengaluru

Chennai

Gurgaon

Hyderabad

: 0522-398 2500

: 92 2792 1111

: 4124 5555

: 2821 5151

: 411 1111

: 6666 1234

Jalandhar

Jodhpur

Kolhapur

Kolkata

Lucknow

Mangalore

: 92 1650 1111

: 92 1430 1111

: 92 2332 1111

: 4434 1111

: 398 2500

: 300 1500

Moradabad

Mumbai

Nasik

New Delhi

Noida

Panipat

: 92 3552 1111

: 6627 1111

: 92 2332 1111

: 0124-411 1111

: 0124-411 1111

: 0124-411 1111

Pune

Salem

Surat

Tirupur

Udaipur

Vadodara

: 6642 1111

: 92 8202 1111

: 92 2792 1111

: 92 8202 1111

: 92 1430 1111

: 661 9999

Toll Free # : 1800 11 2224

Free

Average Daily Balance Requirement:

If balance is less than Rs. 10,000

No. of Add-on Savings Accounts allowed withinabove balance requirement:



No. of Add-on Savings Accounts allowed withinabove balance requirement:(Balance can be maintained in any combinationacross the individual savings accounts in the cluster)


No. of Add-on Savings Accounts allowed withinabove balance requirement:(Balance can be maintained in any combinationacross the individual savings accounts in the cluster)


Flex Advantage




Flex Privilege

Flex Plus




Familink##

Free Free

Rs. 10,000 per month

Service Charge

Rs. 500 per month

None

Rs. 15,000 per month (with add-on account)

Service Charge

Rs. 500 per month

One

Average Daily Balance Requirement

Rs. 50,000 per month

Service Charge

Rs. 500 per month

Two

No minimum balance***

Service Charge (If transaction criteria not met)

Rs. 500 per month

None

Rs. 5,000 per month

Service Charge

Rs. 500 per month

None

Schedule of Benefits – Savings Accounts

Services

-

FlexAdvantage

FlexPlus

Familink##Flex

Privilege

Drawn on Correspondent Bank's locations

Drawn on SBI locations

Foreign Currency Demand Drafts

Demand Drafts

Cheque Collection

Statement of Account

Remittances

General

Drawn on our branches in India Rs. 50 Rs. 50

0.25% 0.25%

0.25% 0.25% 0.25% 0.25%

Rs. 200 Rs. 200 Rs. 200 Rs. 200

Cancellation / Revalidation Rs. 50 Rs. 50 Rs. 50

Outstation Cheques drawn and payable in India

Up to and including Rs. 5,000 Rs.25 Rs.25 Rs.25 Rs.25

Above Rs. 5,000 and up to and including Rs. 10,000 Rs.50 Rs.50 Rs.50 Rs.50

Above Rs. 10,000 and up to and including Rs. 1,00,000 Rs.100 Rs.100 Rs.100 Rs.100

Above Rs. 1,00,000 Rs.150 Rs.150 Rs.150 Rs.150

Foreign Currency cheques payable outside India 0.25% 0.25% 0.25% 0.25%

Courier Pick up and Delivery (non-cash) 1 per day free 1 per day free 1 per day free

Demand Draft Delivery 1 per day free 1 per day free 1 per day free

ATM Card

International / Premium Debit Card fee+ Rs. 180 Rs. 180 Rs. 180

Gold / Premium Plus Debit Card fee Rs. 400 Rs. 400 Rs. 400 Rs. 400

International / Premium Debit Card Spending Limit per day Rs. 50,000 Rs. 50,000 Rs. 1,00,000 Rs. 50,000

Gold / Premium Plus Debit Card Spending Limit per day Rs. 1,00,000 Rs. 1,00,000 Rs. 1,00,000 Rs. 1,00,000

Supplementary Debit Card spending limit per day Rs. 10,000 Rs. 10,000 Rs. 10,000 Rs. 10,000

Replacement of Debit Card Rs. 200 Rs. 200 Rs. 200 Rs. 200

Cash Withdrawal at Non-RBS ATMs in India

Cash Withdrawal at MasterCard/Cirrus ATMs Outside India Rs. 120 Rs. 120 Rs. 120

Balance Inquiry on Non-RBS ATMs in India

Balance Inquiry on Non-RBS ATMs Outside India Rs. 20 Rs. 20 Rs. 20 Rs. 20

ATM Cash Withdrawal Limit per day (International / Premium) Rs. 50,000 Rs. 50,000 Rs. 1,00,000 Rs. 50,000

ATM Cash Withdrawal Limit per day (Gold / Premium Plus) Rs. 1,00,000 Rs. 1,00,000 Rs. 1,00,000 Rs. 1,00,000

(Min. of Rs. 50, Max. of Rs. 8,000)

(Min. of Rs. 50, Max. of Rs. 8,000)

(Rs./Instrument)

(Min. of Rs.150, Max. of Rs. 5,000)

(Rs. 25 per transaction)

(Rs. 50 per transaction)

(Rs. 20 per transaction))

per transaction)

Doorstep Banking

ATM and Debit Card services

(charges per statement)

Free Free

Free Free

Free

Free

Free

Free Free Free Free

Free

Free* Free* Free* Free*

Free

Free Free Free Free

###

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#

Monthly e-Statement

Duplicate / Ad hoc Statement Rs. 100 Rs. 100 Rs. 100 Rs. 100

Remittances through correspondent banks 0.25% 0.25% 0.25% 0.25%

Foreign Currency Telegraphic Transfers Rs. 250 Rs. 250 Rs. 250 Rs. 250

Foreign Inward Remittance Certificate Rs. 250 Rs. 250 Free Rs. 250

RTGS Transfer

Rs. 2 lacs to 5 lacs Rs. 25 Rs. 25 Rs. 25 Rs. 25

Rs. 5 lacs and above Rs. 50 Rs. 50 Rs. 50 Rs. 50

RTGS Collection

Payment / Collection through NEFT

Account Closure within 12 months Rs. 500 Rs. 500 Rs. 500 Rs. 500

Payable at par Cheque Books Rs. 50** Rs. 50** Rs. 50**

Cheques issued by you returned unpaid Rs. 350 Rs. 350 Rs. 350 Rs. 350

Cheques deposited by you and returned unpaid Rs. 100 Rs. 100 Rs. 100

ECS instruction returned unpaid Rs. 200 Rs. 200 Rs. 200 Rs. 200

Stop Payment for individual cheque or a range of cheques Rs. 100 Rs. 100 Rs. 100

Standing Instructions set-up/amendments Rs. 50 Rs. 50 Rs. 50

Dormant Account maintenance charges Rs. 300 Rs. 300 Rs. 300 Rs. 300

Inquiry only Bank by Phone access ID Rs. 100 Rs. 100 Rs. 100

Foreign Currency Travellers’ Cheques Commission 1% 1% Nil 1%

Copy of cheques paid Rs. 100 Rs. 100 Rs. 100 Rs. 100

Interest certificates

Duplicate interest certificates Rs. 50 Rs. 50 Rs. 50 Rs. 50

TDS certificates

Duplicate TDS certificates Rs. 50 Rs. 50 Rs. 50 Rs. 50

Confidential Reports Rs. 250 Rs. 250 Rs. 250

Balance Confirmation Certificate Rs. 50 Rs. 50 Rs. 50

Signature verification Rs. 50 Rs. 50 Rs. 50

Account maintenance certificate Rs. 50 Rs. 50 Rs. 50

Photo attestation Rs. 50 Rs. 50 Rs. 50

Email/SMS Alert Service Rs. 25 Rs. 25 Rs. 25 Rs. 25

IRCTC bookings through NetBanking Rs.10 Rs.10 Rs.10 Rs.10

(Min. of Rs. 150, Max. of Rs. 8,000)

(Rs./Transaction)

(Charge per instrument)


(per quarter)


(annual)

(annual)

(per document)

(per document)

(per document)

(per document)

(per month)

(

Free Free Free Free

Free Free Free Free

Free Free Free Free

Free

Free

Free

Free

Free

Free Free Free Free

Free Free Free Free

Free

Free

Free

Free

Free

Transaction criteria for Flex Advantage savings account are detailed on the reverse.

Add-on Family Account option is available to all Salaried account holders with the Bank Only.

ATM transactions on

RBS ATMs in India

Transfer of Funds across

RBS N.V.

rbs savings account detail

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