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Account Maintenance Fee Charge

 
Bank Account Type

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional Conditions/Condições Adicionais
Saving Account/Conta Poupança USD 0.50 per month/por mês  Excluding Government Accounts/Excluindo as Contas do Governu/Esklui Konta Governu nian.
Demand Deposit Account/Conta Corrente USD 1.00 (per month/por mês
Saving Account/Conta Poupança Asu’Wain 

USD 0.50 (per month/por mês)

Applying for Depozitu Asu’wain as new product/Aplicando-se a Deposito Asu’wain como novo produto/Aplika ba Deposito Asu’wain hanesan produto foun.

Student Savings Account/Konta Depósito Estudante

USD 0.10 (per month/por mês)

Applying for Student Savings Account as new product/Aplicando-se a konta Deposito Estudante como novo produto/Aplika ba konta estudante hanesan produtu foun. 

Government Account

USD 0.50 (per month/por mês)

BNCTL offering interest 0.15% p.a. for the average minimum balance of US$50,000 and monthly account maintenance fee US$0.50 per month /  BNCTL oferece juros media 0.15%p.a para mínimo balanço USD50,000 e custo de manutenção da conta USD0.50

Pension Savings Account / Conta Deposito Pensionista

USD 0.25 (per month/por mês)

Applicable for Pension Savings Account as new product / Aplicando-se a conta Deposito Pensionista como novo produto

 

Account Closing Fee

Bank Account Type

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional Conditions
Passbook Saving Account/Conta poupança caderneta

USD 2.50

 

Excluding Hau nia futuru account and  Gov. accounts  (Acc.1002-xxx)/ Excluindo o conta do Hau nia futuru e o Contas do Governo/Esklui Konta Hau nia futuru no Konta Governu nian.

Elderly Saving Account/Conta poupança de Idosos e Bolsa da mâe

USD 2.00

Emigrant Saving Account/Conta Poupança Emigrante

USD 5.00

Current Account/conta corrente

USD 10.00

Current Account for Community Group

USD 5.00

Depozitu Asu’wain 

USD 5.00

Applicable for Depozitu Asu’wain & Bolsa da Mãe as new product/Aplicando-se a Deposito Asu’wain e Bolsa da Mãe como novo produto. 
Subsidiu Bolsa da Mãe  USD 2.00
Student Savings Account / Conta Depósitos Matenek USD 2.00

Applicable for existing deposit product / Aplicando-se para produto de depósitos existente

Pension savings Account / Conta Depósitos Pensionista USD 2.00

Applicable for existing deposit product / Aplicando-se para produto de depósitos existente

 

Bank Account Transfer Fee

Transfer Type Amendment Additional Conditions
Transfer Between Bank Account USD 1.00 per transaction

Except:

Account with similar account holder.

"HAU NIA FUTURU" Saving / Deposit

Previous Price List 2015

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional Conditions
100 - 200 coins = US$5 Up to USD 1,0000 will be no charge  
201 - 500 coins = US$10

> USD 1,000.00 - USD 3,000.00 = USD 10.00

 
More than 500 coins = US$15 >USD 3,000.00 -USD 5,000.00 = USD 15.00  
  > USD 5,000.00 = USD 25.00  

ATM Card Annual Fee/Taxa Emissão do Cartão ATM

Product/service (Produto/Serviço)

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional conditions /Condições Adicionais
ATM card issuance fee /Taxa emissão do Cartão ATM

USD 4.00 per issuance/por cada emissão

USD 2.00 per issuance/por cada emissão
 

Applicable for new issuance of BNCTL ATM card (no annual fee to be applied)/aplicando-se para emitir novo cartão ATM do BNCTL. Reissuance caused of losses, broken, etc. of BNCTL ATM card (no annual fee to be applied). Remissão causada por perdas, quebrado, etc de cartões BNCTL ATM (nenhuma taxa annual a ser aplicável).

ATM withdrawal fee/Taxa de retirada do ATM USD 0.15 per transaction/por cada transação Applicable for BNCTL ATM withdrawal / Aplicando-se para os Cartões ATM de BNCTL

P24 ATM card annual fee/Taxa Emissão do Cartão ATM P24

Product/service (Produto/Serviço)

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional conditions /Condições Adicionais
P24' ATM card issuance / Taxa Emissão do  Cartão ATM P24

USD 4.00 per issuance/por cada emisão

Applicable for new issuance of BNCTL ATM card (no annual fee to be applied)/aplicando-se para emitir novo cartão ATM do BNCTL. Reissuance caused of losses, broken, etc. of BNCTL ATM card (no annual fee to be applied). Remissão causada por perdas, quebrado, etc de cartões BNCTL ATM (nenhuma taxa annual a ser aplicável).  

USD 2.00 per issuance/por cada emisão

 

USD 2.00 for issue or replace for elderly/por cada emissão ou replica

The issue ATM Card fee not applicable for Student Saving Account/Emissão custo de Cartão ATM não aplica para conta deposito Matenek

 
P24 ATM withdrawal fee / Taxa de retirada do ATM P24 USD 0.25 per transaction/por cada transação  Applicable P24 ATM withdrawal for all deposit product/Aplicando para os cartões de ATM P24 com todos os produtos deposito.
ATM balance inquiry/Consulta de saldo do ATM P24 USD 0.15 per inquiry/por cada consultação  
Change PIN number/Alterar número de PIN P24 USD 0.15 per changes/por cada alteração  
Withdrawal at cash counter/Levantamento no balcão

USD 0.50 per transaction/por cada transação 

 Applicable for all deposit account /Aplicando para os todos contas de poupanca/Aplika deit ba Konta Poupansa.

Withdrawal of 50/100 USD notes at the branch

 

 

Changing of 50/100 USD notes at the branch

≤$100 will be charged USD 5.00

 >$100K will be charged USD10.00

 

≤$10K will be charged USD 10.00

 ≥10K will be charged USD 20.00

 Applicable withdrawal for a big note if requested by customer/Aplicando-se para o pedido de cliente que fazer levantamento com os notas maior.

  

Applicable changing for a big note/aplicando-se para uma grande de trocar a nota.

ATM account Transfer Fee

ATM Account transfer

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional conditions /Condições Adicionais

ATM BNCTL

USD 0.15 per transaction/por transação  

P24

 USD 0.25 per transaction/por transação  
 
 
Product/service (Produto/Serviço)

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional conditions /Condições Adicionais
Within 6 months

USD 25.00 (per sheet/cada folha)

 
Exceeding 6 months but within 8 years

USD 50.00 (per sheet/cada folha)

 
Type

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional conditions /Condições Adicionais
Insufficient funds/Insuficiência de fundos

USD 50.00

 
Other reasons/Outro motivos

USD 15.00

 
Cancelation of checks for any reason by written request from the issuer

USD 20.00

 
Cheque presented at clearing house (BCTL)

USD 5.00

 
Bank Statement/Extrato de conta

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional conditions /Condições Adicionais
Monthly (1 per month/1 por mês)

USD 1.00

 Excluding Government account/ Excluindo Contas do Governo/Exklui Konta Governu nian.

Bank is obliged to send Bank Statement to the customer every month/ Banco têm obrigação a enviar extrato bancário aos clientes todos os meses/Banku iha obrigasaun hodi manda Estrato Bankária ba klientes kada fulan.  

Last 3 months / Último 3 meses

USD 2.00 (per sheet/cada folha)

More than 3 months /Mais de 3 meses USD 3.00 (per sheet/cada folha)
Issuance of various kind of Statements/ Declarações diversas

USD 50.00

 Example: Statement of balance, Indebtedness statement, Account Authentication, etc. (Unless requested by the Court and Central Bank).

 

Ezemplu: Declaração de saldo, declaração de endividamento, autenticação de conta, etc. (a menos que solicitado pelo Tribunal e pelo Banco Central) Exemplu: Deklarasaun ba Saldo/balansu, deklarasaun dividas, deklarasaun autentikus, i seluk2 tan (no mos pedido husi Tribunal ho BCTL). 

Bank Confirmation USD 100.00
Cancelation Bank Confirmation USD 5.00
Check book request/Requisição livro de cheque USD 15.00/25 pages  
 Transferências Recebidas e Enviadas

Swift

Local
Transfer Type

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional conditions /Condições Adicionais

I.Incoming transfer

1. salary & wages

 

 2. Others 

 

 USD0.50 per transaction/por cada transação

 

USD10.00 per transaction/por cada transação

Applicable for all incoming transfer except subsidies Bolsa da Mãe and IDIN/Aplicando para todas as transferências recebidas except subsidio Bolsa da Mãe e Idosos & Invalidos.

 

Applicable for incoming transfer to the companies and private entities/Aplicando-se para/Aplicando para transferências recebidas aos empresas e entidades privadas.

 

 

 

Applicable for all Government Revenue Accounts / Aplicando para todas as contas de receita do Governo.

Other fees for Government Revenues based on a joint a contract between the Government and BNCTL will be applied/Outras taxas para as Receitas do Governo baseadas num contrato conjunto entre o Governo e a BNCTL serão aplicadas.

 

II. Outgoing transfer

 

1. Transfer through RTGS

 

 

 

2. Transfer of Government Revenue to CFET account (Ministry of Finance)

 

≤USD 1,000.00 = USD 5.00 per account

>USD 1,000.00 = USD 15.00 per account

 

USD 2.00 per account

Transfer of Government Revenue to CFET account (Ministry of Finance)

USD 2.00 per Account

 

Applying for all Government Revenue Accounts.

Other fees for Government Revenues based on a joint contract between the Government and BNCTL will be applied.

Aplicando para todas as contas de receita do Governo.

Outras taxas para as Receitas do Governo baseadas num contrato conjunto entre o Governo e a BNCTL serão aplicadas.

Aplika ba kontas reseitas Governu nian.

Reseitas sira seluk ba imposto Governo  bazeia ba kontrato kooperasaun entre Governu ho BNCTL ne’ebé sei aplikavel.

International
Transfer Type

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional conditions /Condições Adicionais
1. Incoming transfer 

USD 5.00 for any amount

Applicable for any amount/aplicando para quialquer montante 

2. Incoming transfer to the account held at the other bank

USD 25.00 for any amount

 Applicable for incoming transfer from overseas to the customer which is held account with another banks in Timor-leste/Aplicando pelo transferências recebidas ao estrangeiro para o cliente que manter contas em outros banco em Timor Leste/Aplika ba transferensia tama husi estranjeiru ba kliente sira ne’ebe manten konta  iha banku seluk iha Timor Leste.
3. Outgoing transfer

Fee transfer charge SWIFT:

USD 1,000.00 = USD 5.00

> USD 1,000.00 – USD 5,000.00 = USD 10.00

>USD 5,000.00 – USD 10,000.00 = USD 15.00

> USD 10,000.00 – USD 25,000.00 = USD 25.00

> USD 25,000.00 = USD 35.00 
 

Non-swift

Transfer Type

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional conditions /Condições Adicionais
Transfer “BRI Fast” & Transfer "BCA Fire"

Client transfer:

Fee charge USD 4.00 (for any amount)

 

 

Maximum Transfer amount/Quantidade máxima de transferência/ Kuantidade

másima transferénsia:

BRI USD 2,000.00

Non-BRI USD 1,500.00

Other

Transfer Type

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional conditions /Condições Adicionais
Correspondent fee/taxa Correspondente 

USD 15.00 per transaction/por cada transação

 Except for BCP Millenium Portugal, BCA Indonesia, BNI New York, BCA Australia (AUD) and Bank of China as BNCTL Correspondent Bank/Excepto o BCP Millenium Portugal, BCA Indonesia,BNI New York, BCA Australia (AUD) e Bank of China como o Banco Corespondente do BNCTL. 
Transfer Cancellation Fee

USD 5.00 per cancellation/por cada cancelamento

Product/service (Produto/Serviço)

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional conditions /Condições Adicionais
Open LC up to USD 500,000.00  0.225%  
Open LC > USD 500,000.00 0.125%  
Cancellation of LC

USD 20.00

 
Advice LC

USD 10.00

 
Amendment LC USD 25.00  
Charge SWIFT Message USD 75.00  
Transmission of document fee by customer request USD 5.00  
Transfer among BNCTL’s account/Transfêrensia entre conta BNCTL

USD 1.00 per transaction

Except /Excepto:

- Account with the same owner/Conta com o mesmo titular/Konta ho nain hanesan.

 - Future Saving Account/Conta Poupanca para Futuro/Konta Hau Nia Futuro.
Processing of salaries received by list/processamento salarios por listagem

USD 0.50 per account/por cada conta

Applicable for transfer of salary/wages of the workers as per request (excluding subsidies for IDIN & BDM).

Standing Instruction

Monthly fee charge for Standing Instruction USD 20.00

Execution fees:

Internal Transfer = USD 100.00

Outside Transfer = USD 200.00

Cancellation = USD 100.00

 

Standing Order/Ordem Permanente

 

Standing order for cancelation

USD 1.00 per transaction

 

USD 05.00/per duration

 Except /Excepto:

* Account with the same owner/ Conta com o mesmo titular/Konta ho nain hanesan.

* Future Saving Account/Conta Poupanca para Futuro/Konta Hau Nia Futuro. 

 Statement of financial capability/Declaração de capacidade financeira  0.1% (Min. USD 250 & Max. USD 1,500)   
Early Release of bank Guarantee/ antecipado de Garantia bancária  USD 20.00 Release of Bank Guarantee in advance prior to the expiration date as per signed agreement.
Change of Account Domiciliation  USD 50.00 Applicable for customer who is decided to move to another bank/Aplicando-se para os clientes que decidio mudar para outros banco.
Payoff loan account in advance USD 50.00 Applicable for customer who is decided to payoff loan in advance and move to another bank/Aplicando-se para os clientes que está decidido a pagar antecipadamente e mudar para outros banco.
 Stopped Cheques Due to the theft or losses. USD 5.00   Applicable based on request/aplicando com base no pedido 
Hold the customer Deposit Account USD 50.00 Applicable based on request/aplicando com base no pedido 
Customer Deposit on holiday or out of working day

 USD 100,000 = USD 50.00

> USD 100,000-USD 500,000 = USD 85.00

> USD 500,000 =USD 125.00
 

Bid Security/Garantia para Concurso

Fee for urgent matters within 24 hours will be charged USD 100.00 

Less than 24 hours will be charged USD 175.00

Amount

Actual Price List/Presáriu Atuál BDR No.25, Series of 2023

Additional conditions/Condições Adicionais
Up to USD 4,999.00

USD 20.00/Month

Fee for urgent matters within 48 hours will be charged USD 100.00. 24 hours will be charged USD 175.00/Taxa para os assuntos urgentes dentro de 48 horas será cobrada de USD 100.00. de 24 horas USD 175.00.

15% for cash collateral/15% garantia em numeráriu.

Up to USD 50,000.00 (the guarantee must be 100% for cash collateral and applicable only for Bid Bond)/

Até USD 50,000.00 (a garantia pode ser de 100% Garantia em numeráriu e aplicando apenas para Garantia de proposta (Bid Bond).

Fee for urgent matters within 48 hours will be charged USD 100.00. 24 hours will be charged USD 175.00/Taxa para os assuntos urgentes dentro de 48 horas será cobrada de USD 100.00. de 24 horas USD 175.00

    
USD 5,000.00 – USD 49,999.00 

0.40%/Month

USD 50,000.00 – USD 99,999.00  0.45%/Month  
USD 100,000.00 – USD 499,999.00   

0.60/Month

USD 500,000.00 – USD 999,999.00   0.95%/Month 
≥ USD 1,000,000.00   

1.75%/Month

Other type of Bank Guarantee/Outros tipos de Garantia

Fee for urgent matters within 24 hours will be charged USD 100.00 

Less than 24 hours will be charged USD 175.00.

Product/service (Produto/Serviço)

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional conditions /Condições Adicionais
Up to USD 9,999.00 USD 15.00

Fee for urgent matters within 48 hours will be charged USD 100.00. 24 hours will be charged USD 175.00/Taxa para os assuntos urgentes dentro de 48 horas será cobrada de USD 100.00. de 24 horas USD 175.00.

15% for cash collateral/15% garantia em numeráriu.

Up to USD 50,000.00 (the guarantee must be 100% for cash collateral and applicable only for Bid Bond)/

Até USD 50,000.00 (a garantia pode ser de 100% Garantia em numeráriu e aplicando apenas para Garantia de proposta (Bid Bond).

Fee for urgent matters within 48 hours will be charged USD 100.00. 24 hours will be charged USD 175.00/Taxa para os assuntos urgentes dentro de 48 horas será cobrada de USD 100.00. de 24 horas USD 175.00

USD 10,000.00 – USD 49,999.00 

0.15%/Month

 
USD 50,000.00 – USD 99,999.00 

0.13%/Month

 
USD 100,000.00 – USD 499,999.00   

0.11%/Month

USD 500,000.00 – USD 999,999.00 

0.09%/Month

 
≥USD 1,000,000.00  0.07%/Month 

Fee for urgent matters within 24 hours will be charged USD 100

Product/service (Produto/Serviço)

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional conditions /Condições Adicionais
Without mentioning value/Sem mensionar valor

USD 100.00

Fee for urgent matters within 24 hours will be charged USD 100/Taxa para os assuntos urgentes dentro de 24 horas irá cobrar USD100.00.

 

Fee for a proposal/Taxa de proposta

Mention some value/Mensionar algum valor 0.1% (Min. USD 250 & Max. USD 5,000.00)
Account Verification USD 20.00
Cancellation of BG (Bid Bond, Performance Bond, Advance Payment Bind, Support Letter & Reference Letter) USD 25.00
Product/service (Produto/Serviço)

Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023

Additional conditions /Condições Adicionais
Point of Sales (POS) cash withdrawal  USD 1.00 (maximum)  Applying for cash withdrawal at POS terminals with the maximum limit of US$100.00.
Transaction Fee for Government Account USD 1.50 (Max.) per transaction To be applied based on a joint contract between the Government and BNCTL/Para ser aplicado com base num contrato conjunto entre o Governo e a BNCTL/Taxa sei aplika tuir kontrato konjunta entre Governo ho BNCTL.
Product/service (Produto/Serviço) Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023 Additional conditions /Condições Adicionais

Group Loan/Credito do Grupo/Kréditu Grupo

2% from limit credit/2% husi limité kréditu

 

Agriculture Loan/Credito Agricultura/Kréditu Agrikultura

2% from limit credit/2% husi limité kréditu

 

Small Investment/Credito Pequeno Investimento/Kréditu Investementu Ki’ik

2% from limit credit/2% husi limité kréditu

 

Business Loan/Credito Negocio/Kréditu Negósiu

 1% from limit credit/1% husi limité kréditu  

Investment Loan/Credito Investimento/Kréditu Investementu

1% from limit credit/1% husi limité kréditu  

Project Loan/Credito Projeto/Kréditu Projetu

1% from limit credit/1% husi limité kréditu  

Multipurpose Loan/Credito Multiuso/Kréditu Multiuzu

1% from limit credit/1% husi limité kréditu  

Asuwa’in Loan/Credito Asuwa'in/Kréditu Asuwa’in

1% from limit credit/1% husi limité kréditu  

Buka’e Loan/Credito Buka'e/Kréditu Buka’e

1% from limit credit/1% husi limité kréditu  
Staff Loan/Credito Internu/Kréditu Interna 1% from limit credit/1% husi limité kréditu  
FIAR Loan/Credito Fiar 1% from limit credit/1% husi limité kréditu  
Transport Loan/Credito Transporte 1% from limit credit/1% husi limité kréditu  
Pensioner Loan/Credito Pensionista 1% from limit credit/1% husi limité kréditu  
Product/service (Produto/Serviço) Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023 Additional conditions /Condições Adicionais

Group Loan/Kréditu Grupo

-

 

 

 

 

 

 

The loan fee process not applicable for Group, Seasonal/agriculture, small investment & Staff loan  products / Kustu prosesa kréditu la aplika ba produtu kréditu Grupu, Sazonal/Agrikultura, Investimentu Kiik no Funsionáriu Internu.

 

 

 

 

 

      

 

 

 

Seasonal or Agriculture Loan/Kréditu Agrikultura

-

Small Investment Loan/Kréditu Investementu Ki’ik

-

Business Loan/Kréditu Negósiu

 1% from limit credit/1% husi limité kréditu

Investment Loan/ Kréditu Investementu

1% from limit credit/1% husi limité kréditu

Project Loan/Kréditu Projetu

1% from limit credit/1% husi limité kréditu

Multipurpose Loan/Kréditu Multiuzu

1% from limit credit/1% husi limité kréditu

Asuwa’in Loan/Kréditu Asuwa’in

1% from limit credit/1% husi limité kréditu

Buka’e Loan/Kréditu Buka’e

1% from limit credit/1% husi limité kréditu
Staff Loan/Kréditu Interna -
Product/service (Produto/Serviço) Actual Price List/ Presáriu Atuál BDR No.25, Series of 2023 Additional conditions /Condições Adicionais

Dili Area / Area Dili

US$ 100.00

 

 

 

Applicable only Business, Project and Investment Loan Products and will charge based on the step (phase) of loan disbursement proposal and areas for monitoring / Aplika ba produtu kréditu Negósiu, Projetu & Investimentu no sei kobra  bazeia proposta dezembolsa fazeadamente no area ne’ebé monitoriza ba.  

 

  

 

 

Out of Dili / Fora husi Dili 

    

<100 Km

US$ 100.00

>100 Km

US$ 200.00

Commitment Fees / Kustu Kommitmentu 

0.25% P.A (Applicable for amount not used to product/Aplika ba montante la utiliza) Applicable only for Business Loan, Project Loan and Credit Line/Standby Loan products / Aplika ba produtu kréditu Negósiu, Projetu no Linha de Kréditu/Kréditu preparadu).

Fee Request Processing Urjent/Kustu Pedidu Prosesu Urjenti 

 

US$ 100.00

Applicable only for Consumptive Loan products excluding Staff Loan product / Aplika ba produtu komsumtivu sira esklui produtu kréditu funsionáriu Internu.

NB : To be implemented the fee based on the customer proposal or Head Office notification which category case by case basis / Sei implementa kustu refere bazeia ba proposta kliente ka notifikasaun husi Sede  ne’ebé kategoria kazu por kazu.

Aplikasaun Aplikasaun Mobilizasaun Penalti Antesipada

Períodu

 
Montante  
≥1,000-99,000 ≥100,000-499,999 ≥500,000 ≥1,000-99,999 ≥100,000-499,999 ≥500,000
  Fulan  1  0.55%   0.60%   0.65%       
 Fulan  3  0.60%  0.65%  0.70%      
 Fulan  6  0.65%  0.70%  0.75%  USD 25.00    USD 50.00   USD 100.00
 Fulan  9  0.70%  0.75%  0.80%
 Fulan  12  1.05%  1.20%  1.30%
 Fulan  24 1.15%  1.25%  1.40%      
 Fulan  36 1.30% 1.40% 1.60%