Pricing Conditions

STANDARD LIST OF PRICES
(The prices below do not include service group offers (packages), promotions or special rates for some customers)
List of services Price in euros
Subscription to online banking services (Internet) FREE
(Internet connection and Internet provider fee not included)
Subscription to a product providing alerts on the account balance via SMS FREE
Subscription to an international direct debit card FREE
Subscription to an international deferred debit card NOT APPLICABLE
Subscription to a card requiring systematic authorisation NOT APPLICABLE
Cash withdrawal fee in another bank’s ATM (when the withdrawal is made in euros in the euro zone with an international debit card) FREE
Fee for occasional bank transfers (when a SEPA transfer is made) FREE
Payment of a SEPA direct debit FREE
Intervention commission FREE
Subscription to an insurance offer against the loss or theft of your means of payment FREE
Account maintenance fee 9,90 EUROS PER MONTH (PRICE OF GLOBAL SUBSCRIPTION)
ACCOUNT OPENING, OPERATION AND MONITORING
Opening, modification, closing Price
Account opening in EUR and in currencies FREE
Service to switch bank FREE
Closing account in EUR and in currencies FREE
Estate settlement fee
(depending on the assets’ amount on the date of death)
1%
(min 100 € – max 1 000 €)
Additional fees – International succession
Appraisal expenses Depending on the costs incurred
Management fee 60 € / year
Account statement
Monthly electronic account statement available in the personal space FREE
Monthly paper current account statement(upon request via customer service) FREE
Yearly fee summary FREE
List of automatic and recurrent transactions carried out on the customer’s account (document provided to the customer upon request when closing their account) FREE
Duplicate of paper account statement 10 € per statement
Delivery of diverse certificates (except credit certificate) 10 €/doc.
Account maintenance
Addition/removal of a beneficiary for a transfer FREE
IBAN delivery available in the personal space of the mobile app or Internet portal FREE
Change of address or change in the title FREE
Fee for archived documents research 10 €/doc
Extra fee for photocopies 1 €/page
Delivery of diverse certificates (except credit certificate) 10 €/doc.
Agency services Not Applicable
Currency exchange rates
Maximal margin over the average market rate(6) at the time of the transaction for any transaction between €0 and €2000 1%
Margin over average market rate(6) at the moment of the transaction for any transaction between €2 001 and €5 000 0.9%
Margin over average market rate(6) at the moment of the transaction for any transaction between €5 001€ and €10 000 0.8%
Margin over average market rate(6) at the moment of the transaction for any transaction between €10 001 and €50 000 0.7%
Margin over average market rate(6) at the moment of the transaction for any transaction between €50 001 and €250 000 0.5%
Margin over average market rate(6) at the moment of the transaction for any transaction superior to €250 001 0.3%
Commission over foreign exchange transaction FREE
Ditto Bank Client Service
By phone on +33 (0)1 85 741 741(local call cost from a landline in metropolitan France) FREE
(phone provider fee not included )
REMOTE BANKING
Transactions from the Ditto Bank app
User fee for remote banking services FREE
(Internet connection and access provider fee not included)
Consultation and management of accounts FREE
(Internet connection and access provider fee not included)
Reissuing the access code FREE
Subscription to a product providing alerts on the account balance via SMS or notifications FREE
MEANS OF PAYMENT AND TRANSACTIONS
Credit card Price
Subscription to a direct debit Ditto Gold MasterCard FREE
Cash withdrawal in an ATM (including another bank’s ATM) FREE
Credit card payment FREE
Resending the card’s personal code FREE
Research fee when contesting a credit card purchase 40€
Stop payment fee (card blocked by the bank) FREE
Renewing the card when it expires FREE
Card reissued or replaced with anticipation FREE the first time (after it costs 10€)
Upgrade/modification of the card limits temporarily and in real time (valid for 30 fays) via the Client Service FREE
Activation/Deactivation of the card FREE
Activation/Deactivation of the “NFC Contactless” service FREE
Withdrawing currencies in an ATM FREE
Transfers
Fee for issuing a SEPA transfer(3) FREE
Receiving a SEPA transfer(3) FREE
Fee for issuing a non SEPA transfer FREE
Receiving a non SEPA transfer FREE
Transfer issued in option « OUR » (all fees at the payer’s expense including the foreign banks fee) Real fees
SEPA direct debit/ Interbank Payment Order
Fee for setting up a direct debit mandate FREE
Stop payment fee (card blocked by the bank) FREE
Direct debit payment fee FREE
Direct debit suspension FREE
Direct debit cancellation FREE
Checks Not applicable
SERVICE GROUP OFFERS
Ditto Multicurrency Offer Prices
Main account maintenance fee in EUR 9.90 PER MONTH
Subscription to a monthly service for pioneers INCLUDED (During the Pioneer Stage)
Subscription to a Ditto Gold MasterCard INCLUDED
Currency account maintenance (currencies offered by Ditto ) INCLUDED
Access to online banking service FREE
(Internet connection and Internet provider fee not included)
“Traveller” insurance Ditto Gold MasterCard INCLUDED
Received or issued SEPA transfer fee INCLUDED
Received or issued international/non SEPA transfer INCLUDED
Withdrawal ATM/cashpoint inside the euro zone and outside the euro zone INCLUDED
Payment by Ditto Gold MasterCard inside the euro zone and outside the euro zone INCLUDED
IRREGULARITIES AND INCIDENTS
Intervention commissions
Intervention commissions FREE
Specific transactions (credit card)
Stop payment fee (card blocked by the bank) FREE
Fee when reporting to the ‘Banque de France’ a decision to withdraw a credit card 25 €
Payment incidents
Non authorized overdraft newsletter fee FREE
Fee for non-execution of a sporadic transfer due to insufficient funds FREE
Rejected direct debit fee due to insufficient funds FREE
Banking suspension management fee 30 €
Other specific transactions
Third party notification fee 100 €
Sequester of property 100 €
Garnishment charge 100 €
Administrative seizure or garnishee order 10% of the seizure amount ( €100 max)
OVERDRAFTS AND CREDITS
Overdrafts
Authorised overdraft conditions
Amount: €1000
Authorised overdraft on main EUR account only (subject to acceptance by the bank)
Example of Global Effective Rate (Authorised overdraft) :
Use of a € 1000 authorised overdraft over 30 days on the nominal rate of 9,90 %
9,90% per year
Non authorised overdraft conditions (subject to acceptance by the bank)
Non authorised overdraft on main EUR account only:
14,90% per year
Intervention commissions FREE
Consumer credit Not applicable
Mortgage loan Not applicable
EXPLANATION OF KEY TERMS
(1)The currency list is available on our website.
(2)With the Ditto Gold MasterCard, you benefit from the Ditto ‘Travellers’ services and insurance. Go to our website to consult the information notices regarding all the guarantees included in your card.
(3)The SEPA transfer (Single Euro Payments Area) is a payment order initiated by the payer and used for the transactions in euros, between two accounts held by financial institutions located in the SEPA area (28 member states of the European Union as well as Norway, Liechtenstein, Iceland, Switzerland, Monaco and San Marino).
(4) In some countries (especially in North America and South East Asia), the cashpoints (ATMs) apply withdrawal fees. The ATM will warn you if the transaction is charged and you will be given the possibility to continue or not with your transaction.
(5) The member countries of the Euro zone are: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain.
(6)For any transaction (between Ditto Bank accounts and with external accounts) implying foreign exchange (i.e. between 2 different currencies), we apply a 1% maximal margin over the average market rate at the time of the transaction. You will be informed beforehand of the margin applied to each transaction.
(7)For the rejected amounts inferior to €20, the invoiced amount may not exceed the rejected amount.
(8)Effective rate on 01/01/2017, subject to modification on Ditto Bank’s initiative.
(9)Effective rate on 01/01/2017 subject to modification on Ditto Bank’s initiative and within the limits of the wear rate.
(10) The term « pioneers » refers to the individuals who logged on the Ditto Bank website to benefit from the Ditto Bank offer on special terms until the Ditto Bank offer official launch.