HSBC – Fees

Credit Card and Overdraft Account Limits

	Overdraft Account	Credit Card
Minimum Income	350.00 TL	500.00 TL
Min. / Max. Limit	Min. 200.00 TL / Max. 10,000.00 TL

Credit Card limits are set by evaluations made according to our bank’s criteria.

Credit Card Fees

	Min Amount	Max Amount	Min Rate	Max Rate
MasterCard®/Visa Standard Primary Card (First Year)	-	50,00 TL	-	-
MasterCard®/Visa Standard Primary Card (After First Year)	-	60,00 TL	-	-
MasterCard®/Visa Standard Supplementary Card (First Year)	-	25,00 TL	-	-
MasterCard®/Visa Standard Supplementary Card (After First Year)	-	30,00 TL	-	-
MasterCard®/Visa Campus Card (First Year)	Free	Free	Free	Free
MasterCard®/Visa Campus Card (After First Year)	-	25,00 TL	-	-
MasterCard®/Visa Gold Primary Card	-	70,00 TL	-	-
MasterCard®/Visa Gold Supplementary Card	-	35,00 TL	-	-
MasterCard®/Visa Platinum Primary Card	-	80,00 TL	-	-
MasterCard®/Visa Platinum Supplementary Card	-	40,00 TL	-	-
Advantage Hızz Standard Primary Card (First Year)	-	50,00 TL	-	-
Advantage Hızz Standard Primary Card (After First Year)	-	60,00 TL	-	-
Advantage Hızz Standard Supplementary Card (First Year)	-	25,00 TL	-	-
Advantage Hızz Standard Supplementary Card (After First Year)	-	30,00 TL	-	-
Advantage Hızz Gold Primary Card	-	70,00 TL	-	-
Advantage Hızz Gold Supplementary Card	-	35,00 TL	-	-
Advantage Hızz Platinum Primary Card	-	80,00 TL	-	-
Advantage Hızz Platinum Supplementary Card	-	40,00 TL	-	-
Advantage Hızz Campus Primary Card	-	25,00 TL	-	-
Advantage Hızz Renewal Fee (charged if renewal time exceeds 2 times)	-	5,00 TL	-	-
HSBC Advance Primary Card	-	75,00 TL	-	-
HSBC Advance Supplementary Card	-	35,00 TL	-	-
Virtual Card	-	2,50 TL	-	-
Premier Miles Primary Card	-	90,00 TL	-	-
Premier Miles Supplementary Card	-	45,00 TL	-	-
Advantage Design Card Renewal Fee	-	20,00 TL	-	-
HSBC Concept Card	-	35,00 TL	-	-

Cash Advance	Min Amount	Max Amount	Min Rate	Max Rate
Cash Advance Fee (TL&USD)	-	-	-	3,50%
Installment Cash Advance Fee (TL)	-	-	-	3,50%
Campus Cash Advance Fee	-	-	-	3,50%
International Campus Cash Advance Fee (TL&USD)	-	-	-	3,50%
Concept Cash Advance Fee	-	-	-	3,50%
Concept Cash Advance Fee (TL)	-	10 TL	-	-
Concept International Cash Advance Fee (USD)	-	-	-	3,50%
Concept International Cash Advance Fee (USD)	-	8.00 USD	-	-
Domestic Other Bank Concept Cash Advance Fee (TL)	-	-	-	3,50%
Domestic Other Bank Concept Cash Advance Fee (TL)	-	12 TL	-	*
Campus Cash Advance Fee (TL)	-	TL 5,00	-	-
International Campus Cash Advance Fee (USD)	-	5.00 USD	-	-
Cash Advance Fee (TL)	-	TL 7,00	-	-
International Cash Advance Fee (USD)	-	-	-	3,50%
International Cash Advance Fee (USD)	-	8.00 USD	-	-
Installment Cash Advance Fee (TL)	-	TL 10.00	-	-
Domestic Other Bank Cash Advance Fee (TL)	-	-	-	3,50%
Domestic Other Bank Cash Advance Fee (TL)	-	TL 12.00	-	-
Campus Domestic Other Bank Cash Advance Fee (TL)	-	-	-	3,50%
Campus Domestic Other Bank Cash Advance Fee (TL)	-	TL 10.00	-	-

Interest rates displayed in the above table are monthly credit card interest rates. HSBC reserves the right to change interest rates and fees, and will promptly announce any changes.

A fee of TL 5 is charged per customer in case Advantage Hızz is renewed more than twice.

For the text messages we send and/or phone calls we make as a consequence of your delinquent balance, you will be charged a fee of TL 4 or USD 2, depending on your credit card statement type.

Premier Miles advantages are only valid by an annual fee of TRY 90 for main cardholders and TRY 45 for supplementary cardholders. To get further information on Premier Miles, please click here.

Retail Banking Transaction Fees

	FEE	LOWEST	HIGHEST
Safe Deposit Box
Safe Deposit Box	250.00 TL
Safe Deposit Box Security Deposit	250.00 TL
Medium Safe Deposit Box	275.00 TL
Medium Safe Deposit Box Security Deposit	275.00 TL
Large Safe Deposit Box	375.00 TL
Large Safe Deposit Box Security Deposit	375.00 TL
Remittance
Domestic Money Transfer (TL/FX)
Outgoing Remittance
Account to the Name of the Payee	0.5%	30.00 TL	250.00 TL
Account to Account	20,00 TL
Telephone Banking - Account to Account*	10.00 TL
Telephone Banking - Remittance in the Name of the Payee*	15.00 TL
Internet Banking – Account to Account*	1,00 TL
Internet Banking - Remittance in the Name of the Payee*	1,00 TL
ATM Banking – to Account	Free
Cardless ATM Deposit*	6.00 TL
3^rd Person Money Transfer From Teller to Account
Same Branch	Free
Different Branch	0.5%	30.00 TL	300.00 TL
Transfers for Credit Card and Consumer Loan Payments	Free
Customer Transfer to His/Her Own Account
From Teller	Free
From Account	Free
Incoming Transfer
Cash Payment	Free
Other Bank / International FX Transfers
Incoming Transfer
Incoming Transfer Fee (TL Payment)	Free
Incoming Transfer Fee (FX Payment)	0.3%	30.00 USD	350.00 USD
HSBC Group Customer Encashment Fee**	30.00 TL
Outgoing Transfer
Outgoing Transfer (additional SWIFT fee charged)	0.5%	35.00 TL	350.00 TL
SWIFT	45.00 TL
Personal Internet Banking - SWIFT*	30.00 TL
Telephone Banking - SWIFT*	45.00 TL
Special Overseas Transfer	80.00 TL
EFT
EFT From Account	0.5%	40.00 TL	300.00 TL
Personal Internet Banking - EFT*	2.85 TL
Telephone Banking – EFT*	0.4%	15.00 TL	50.00 TL
Checks
Checkbook Fee (10 checks)⁽¹⁾	50.00 TL
Checkbook Fee (20 checks)⁽¹⁾	100.00 TL
Bank Checks
Check Collection TL/FX (Same Branch’s Checks)	Free
Check Collection TL/FX (Local/Out of Town/Other Branch’s Checks)	30.00 TL
Blocked Check Arrangement TL	30.00 TL
Foreign Currency Blocked Check Arrangement	40.00 TL
Blocked Check Payment	20.00 TL
Foreign Currency Check Arrangement Abroad (additional SWIFT fee charged)	0.5%	40.00 TL	400.00 TL
Foreign Currency Checks to be collected by Domestic Banks	0.4%	40.00 TL	400.00 TL
Foreign Currency Checks to be collected by Foreign Banks	0.4%	40.00 TL	400.00 TL
Bad Check Declaration From Teller	50.00 TL
Checks of Other Banks
Local/Out of Town Check Collections	25.00 TL
Foreign Currency Check Collection -TL/Effective Payment ⁽²⁾	0.3%	40.00 TL	400.00 TL
Travelers’ Check ⁽³⁾
Effective Payment	0.5%	25.00 TL	100.00 TL
TL Payment	0.5%	25,00 TL	100,00 TL
Bill of Exchange Transactions
Same/Different Local Branch	1%+1.00 TL	30.00 TL	150.00 TL
Bill of Exchange Collection from Out of Town	1%+1.00 TL	30.00 TL	150.00 TL
Nominal Bill of Exchange Refund	30.00 TL
Release of Bill of Exchange Protest	40.00 TL
Monthly Statements. Demand Deposit Account Fees
Overdraft Account Statement Fee	3.50 TL
School Payment Loan Limit Statement Fee	3.50 TL
Your Financial Information	4.50 TL
Account Maintenance Fee** ⁽⁴⁾	7.25 TL
HSBC Premier Service Fee - Monthly ***	15.00 TL
Cash Withdrawal
Other Bank ATM Transactions in Turkey* - Below TL 500	5.00 TL
Other Bank ATM Transactions in Turkey* - Above TL 500	1.25%		12.5 TL
Account Balance Inquiry Fee
Other Bank ATM Network in Turkey Account Balance Inquiry Fee*	1.00 TL
ATM Receipt Fee ⁽⁷⁾	0.70 TL
TB/GB Eurobond Transfer Fee
Fee for TL and FX TB/GB/Eurobond Delivery to Other Banks	1.00%	25 TL	250 TL
Letter of Reference Provision
Personal Letter of Reference Provision - Branch-Pick Up	60.00 TL
Personal Letter of Reference Provision - Delivery to Customer	85.00 TL
Other Fees
MKK Annual Account Maintenance Fee (2009) ⁽⁵⁾	1.50 TL
Account Inquiry Fee - within all branches of HSBC Bank A.Ş.	750.00 TL
Account Inquiry Fee - within one branch of HSBC Bank A.Ş. ⁽⁶⁾	200.00 TL

Notes
Retail Banking Transaction fees are valid as of 15.11.2012 and subject to change by HSBC Bank A.Ş. All rights reserved.

All charges stated above are subject to additional 5% Banking Insurance Transaction Tax (BITT). For Turkish Republic of Northern Cyprus branches valid BITT is 3%.

* Express Banking Channels (Personal Internet Banking,Telephone And ATM Banking) transaction fees include BITT. Express Banking Channels FX Fund Transfer fees charged in foreign currency (TL equivalent).One Time Password SMSs sent for HSBC Bank Retail Internet Banking log ons are free of charge.

** BITT is included in HSBC Group Encashment Fee, Account Maintenance Fee, Secure Key and “Your Financial Information”.

(1) An additional valuable paper cost-earthquake tax is charged per page.
(2) An additional “Overseas Special Delivery Fee” is charged for Other Bank’s Foreign Currency Check Collection.
(3) Charged per traveler’s check. Collection of traveler’s checks purchased from any HSBC Group Banks is free of charge.
(4) Charged per customer from TL or fx demand deposit accounts.
(5) MKK charges 1.50 TL as Account Maintenance Fee for Mutual Funds Certificates more than 500.00 TL
(6) Plus 50.00 TL for each additional inquiry per branch.
(7) Receipts taken for account balance inquiries, last 15 account transactions, last 20 credit card transactions and payment plans will be charged a service fee of 0.70 TL

Consumer Loans

	Booking/Credit Report Fee	Appraisal / Expertise Fee	Early Full Repayment/ Interim Payment Fee
Personal Loan	TL 350 for all amounts	-	Free
Education Loan	TL 350 for all amounts	-	Free

	Booking/Credit Report Fee	Appraisal / Expertise Fee	Early Full Repayment/ Interim Payment Fee	Pledge Release Fee
Car Loan	TL 500	-	Free	TL 40

	Booking/Credit Report Fee	Appraisal / Expertise Fee	Early Full Repayment/ Interim Payment Fee	Mortgage Processing Fee
Mortgage Loan	TL 1600	TL 600	2% of Payment Amount	TL 150
Personal Finance Loan	TL 1600	TL 600	2% of Payment Amount	TL 150