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Borrow

Leading the way in Personal and Housing Loans, MBfBank offers the most convenient personal and Hosing Loan for salaried individuals. MBF Personal Loan and Housing Loans interest rates are considered the best in the market. For any emergency cash requirement, to refinance any loans form another financial institution or if you want to build your dream house, please reach out to our credit officers.

*Terms and conditions apply

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Savings

The most attractive savings account in Tonga is offered by the Bank, Simple and easy to operate, Unlimited withdrawals, Interest accrued daily credited by annually. Special Savings Account for minors, talk to our customer service representative at the Bank

Up to T$5000

3.25% p.a

T$ 5,001 to T$15,000

4.5% p.a

T$ 15,001 to T$ 30,000

4.75% p.a

above T$30,001

5.0% p.a

NOTICE FOR ALL CUSTOMERS:

NOTICE

Savings spiral interest rate

Current Savings rate is a flat rate of 2.75%

*Terms and conditions apply

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Invest

Fixed Deposits are offered in different tenors with attractive interest rates. An Individual or a company could open a fixed deposit at the desecration of the Bank. All interests payable upon maturity of the original term *Acceptance of all deposits is at the sole discretion of the Bank

Fixed Deposit Rates

1 Month

3.25% p.a

3 Months

3.50% p.a

6 Months

3.75% p.a

9 Months

3.75% p.a

12 Months

4.00% p.a

*Terms and conditions apply

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Bank Tariff

Bank Tariff - International tradeBank Tariff - Customer ServiceBank Tariff - Credit

NO	DESCRIPTION	FEE
1.1	Issuance : Telegraphic Transfer (Overseas Bank May also Deduct a Processing Fee From This Payment)	* T$15 Per Transaction to Aus / NZ / Fiji * T$15 to All Other Countries
1.2	Telegraphic Transfer	N/A
1.3	Trace - Telegraphic Transfer	N/A
1.4	Interbank Payments (Local Transfer)	T$10 Per Transaction
1.5	Draft Issuance	T$9.10 Per Transaction
1.6	Draft Issuance - TOP	T$10 Per Transaction
1.7	Drafts and TTs in FCY from Foreign Currecny Accounts	FCN$20 Per Transaction
1.8	Other Outward Transfer (Ex: Money Gram / Travellex)	N/A

NO	DESCRIPTION	FEE
2.1	Inward Telegraphic Transfers and Drafts	N/A
2.2	Credit to Local Currency Account and/or Foreign Currency Account within the Bank	T$20 Per Transaction
2.3	Credit to Local Currency Account and/or Foreign Currency Account with Other Bank	T$20 Per Transaction
2.4	Payment Encashement - TOP Drafts Drawn on the Bank	FOC
2.5	Other Inward Transfers (Ex: Money Gram / Travellex)	N/A
2.6	Payment / Encashment - TOP Drafts Drawn on the Bank	T$25 Per Transaction
2.7	Inter-Bank Payments	N/A
2.8	Letter of Confirmation for Receipt of Funds	T$25 Per Transaction

NO	DESCRIPTION	FEE
3.1	Issuance Travellers Cheques	N/A
3.2	Encash Travellers Cheques	T$5.10, 10 Seniti Per TC

NO	DESCRIPTION	FEE
4.1	Buy & Sell - Non Customer	FOC
4.2	FCY Selling	N/A
4.3	Buy & Sell - Bank Customer	FOC

NO	DESCRIPTION	FEE
5.1	Account Service	N/A
5.2	Account Opening Fee	N/A
5.3	Activity Fee	N/A
5.4	Collection Fee	N/A
5.5	Maintenance Fee	N/A
5.6	Duplicate Statement - Additional Copy	N/A
5.7	Audit Certificate	N/A
5.8	Dormant Account Fee	N/A
5.9	Account Closure Fee	N/A
5.10	High Performance Savings	N/A
5.11	Withdrawal Fee	N/A
5.12	Minimum Balance Fee	N/A
5.13	Replacement Passbook	N/A
5.14	Inoperative Fee	N/A
5.15	Term Deposit Break Fee	N/A
5.16	Periodic Payment Transfer (Internal Transfers)	N/A

NO	DESCRIPTION	FEE
6.1	New Contracts	N/A
6.2	Extensions	N/A
6.3	Cancellations	N/A

NO	DESCRIPTION	FEE
7.1	Advising Credits	T$100 Per Transaction
7.2	Advising Amendments	T$100 Per Transaction
7.3	Negotiated by Other Banks	T$100 Per Transaction
7.4	Confirmation of Credit	N/A
7.5	Acting as Paying or Reimbursing Bank	T$100 Per Transaction
7.6	Transferrable Credits	T$200 Per Transaction
7.7	Simple Transfer	T$200 Per Transaction
7.8	Involved Trasnfer	T$200 Per Transaction
7.9	negotiations Under Documentary Credits	T$200 Per Transaction

NO	DESCRIPTION	FEE
8.1	Issuing Charges	2% of LC Amount (one-off)
8.2	Usance	1.50% Monthly
8.3	Revolving Credits	N/A
8.4	Deferred Payment Credits (Term)	N/A
8.5	Amendments	T$100 Per Transaction
8.6	Authorization of Irregular Drawings	T$100 Per Transaction
8.7	Authorization of Any Other Discrepancies	T$100 Per Transaction

NO	DESCRIPTION	FEE
9.1	Inwards
	Advising	N/A
	Amendments	N/A
	Negotiation	N/A
	Confirmation	N/A
	Courier Fee	N/A
	Swift Advice Long Short	N/A
9.2	Outwards
	Issuance	N/A
	Confirmation	N/A
	Swift Advice Long Short	N/A
	Amendments - Basic	N/A
	Amendments - Increase in Amount	N/A
	Amendments - SWIFT Advice Long Short	N/A

NO	DESCRIPTION	FEE
10.1	Processing Fee	T$200 Per Transaction

NO	DESCRIPTION	FEE
11.1	Clean Bills and Cheques	T$100 Per Transaction
11.2	Doxumentary Items	T$100 Per Transaction
11.3	Noting and Protesting a Bills	T$100 Per Transaction
11.4	Storing and Insuring Goods	N/A
11.5	Representation of Dishonoured	N/A
11.6	Withdraw Accepted Bills	N/A
11.7	Delivery Orders	N/A

NO	DESCRIPTION	FEE
12.1	Cash Deposit	N/A
12.2	Drafts / Travellers Cheque Deposits	N/A

NO	DESCRIPTION	FEE
13.1	Original Item on Hand	T$9.10 Per Item
13.2	Original Item no on Hand	T$9.10 Per Item
13.3	Placing a Stop Payment on Lost / Stolen Item	T$20 Per Item

NO	DESCRIPTION	FEE
14.1	Sight	T$200 Per Item
14.2	Term	T$200 Per Item
14.3	Airmail Postage	FOC
14.4	Overseas Courier	FOC for Customer's Account
14.5	Clean Bills and Cheques	T$50 Per Transaction

NO	DESCRIPTION	FEE
15.1	Negotiation of Clean Items
	Travellers Cheque	N/A
	Foreign Cheques	T$25.10 Per Collection
15.2	Collection of Documentary Bills
	Collection Received from Overseas Banks / Bracnhes / Direct	FCN$67 Per Collection
15.3	Additional Charges
	Airmail Postage	N/A
	Swift	N/A
	Draft and Cheques on Collection Basis	N/A
15.4	Responsibility Fee
	For Extension of a Bill	N/A
15.5	Delivery Orders
	Part Payments	N/A
	Contact in Case of Need	N/A
15.6	Representation of Dishonoured Items
	Clean Bills and Cheques	T$50 Per Item
	Documentary Items	T$50 Per Item

NO	DESCRIPTION	FEE
16.1	Establishment	2% of Guarantee Value or T$500 (one-off)
16.2	Shipping Guarantee	N/A
16.3	Airway Bill Release	N/A
16.4	Half Year Charge	1.5% Monthly
16.5	1st 6 Months	N/A
16.6	Second 6 Months	N/A
16.7	Third & Subsequent Half Year Charges	N/A

NO	DESCRIPTION	FEE
17.1	Non Commercial Transactions	N/A
17.2	FCY Cash Deposit or TT Swap / Bank Draft Swap	N/A
17.3	Draft / Travellers Cheque Deposit	N/A

NO	DESCRIPTION	FEE
18.1	Acceptance Commission	N/A
18.2	30 Days	N/A
18.3	60 Days	N/A
18.4	90 Days	N/A
18.5	120 Days	N/A
18.6	150 Days	N/A
18.7	180 Days	N/A

NO	DESCRIPTION	FEE
19.1	Foreign Currecy Accounts	N/A
19.2	Activity Fee	N/A
19.3	Collections	N/A
19.4	Maintenance Fee	N/A
19.5	Repeat Statement	N/A
19.6	Account Closure	N/A
19.7	Withdrawal	N/A
19.8	Term Deposit Repayment	N/A
19.9	Outward Telegraphic Transfer	N/A
19.10	Inward Telegraphic Transfer	N/A
19.11	Issuance of Draft	N/A

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NO	DESCRIPTION	Fee
1.2	Maintenance Charges on Personal Savings Accounts	T$15 Half Yearly
1.3	Transaction Charges	FOC - Unlimited
1.4	Inoperative Charges Acount	T$1 monthly after 12 months
1.5	Minimum Depsoit to Open Account	T$30
1.6	Minimum Balance Requirment	T$20
1.7	Withdrawal / Deposit Without Passbook Initiated by Customer	T$2
1.8	Over the Counter Withdrawal Charges	N/A
1.9	Service Charges	N/A
1.10	Number of Free Withdrawals	N/A

NO	DESCRIPTION	Fee
2.1	Minimum Balance Requirment	T$20
2.2	Service Charges	FOC
2.3	Maintenance Charges	T$30 Half Yearly
2.4	Over the Counter Withdrawal Charges	FOC - Unlimited
2.5	Number Free Withdrawal	N/A
2.6	Minimum Withdrawal	N/A
2.7	Electronic Trasnaction Charges	N/A
2.8	Inoperative Charges Acount	N/A
2.9	Minimum Depsoit to Open Account	T$30

NO	DESCRIPTION	Fee
3.1	Minimum Balance Requirment	T$100
3.2	Service Charges	FOC
3.3	Maintenance Charges	T$60 Half Year
3.4	Cheque Book Charges	50 Pages - T$10 25 Pages - T$5
3.5	Transactional Charges	N/A
3.6	Over the Counter Withdrawal Charges	FOC - Unlimited
3.7	Collection Charges	N/A
3.8	Inoperative / Dormant Account Charges	N/A
3.9	Account Overdrawn Charges	T$10
3.10	Account Closure Charges	N/A
3.11	Automatic Deduction	N/A
3.12	Minimum Depsoit to Open Account	T$500

NO	DESCRIPTION	Fee
4.1	Minimum Balance Requirment	T$150
4.2	Service Charges	FOC
4.3	Maintenance Charges	T$120 on Half year
4.4	Cheque Book Charges	50 Pages - T$10 25 Pages - T$5
4.5	Over the Counter Withdrawal Charges	FOC - Unlimited
4.6	Collection Charges	FOC - Unlimited
4.7	Inoperative / Dormant Account Charges	N/A
4.8	Account Overdrawn Charges	T$20
4.9	Transaction Charges	FOC - Unlimited
4.10	Account Closure Charges	T$5 (One - Off)
4.11	Number of Free Transaction	N/A
4.12	Automatic Deduction	N/A
4.13	Minimum Depsoit to Open Account	T$1,000

NO	DESCRIPTION	Fee
5.1	Early Redemption Charges	T$60 for Each Fixed Deposit Receipt
5.2	Minimum Opening Balance / Operating Balance	T$5,000
5.3	Insurance	N/A
5.4	Maturity Withdrawal	N/A
5.5	Penalty Interest Rate Adjustment Calculated on Portion of Term Completed	2% penalty interest Round Down to the Nearest Completed month Based on the Prevailing Available Interest Rates on Pro Rated Basis

NO	DESCRIPTION	Fee
6.1	Minimum Balance Requirment	N/A
6.2	Service Charges	N/A
6.3	International Charges	N/A
6.4	Electronic Withdrawal	N/A
6.5	Over the Counter Withdrawal Charges	N/A
6.6	Number of Free Withdrawals	N/A
6.7	EFTPOS Reject Charges (Transaction Declined Due to Insufficient Funds)	N/A
6.8	International Balance Inquiry Charges	N/A
6.9	Maximum Amount Allowed to be Drawn Per Day	N/A
6.10	Inoperative Account Charges	N/A
6.11	Cash Disbursement Charges (Overseas Cards)	N/A
6.12	Cash Advance Charges	N/A

NO	DESCRIPTION	Fee
7.1	Issuance	T$ 7 Per Issuance
7.2	Duplicate / Replacement	T$10 Per Issuance
7.3	Repurchase of Bank Cheque	T$10 Per Issuance
7.4	Lost Cheque Book	T$15

NO	DESCRIPTION	Fee
8.1	Inward Dishonour	T$20 Each Cheque (Cheques Deposited to Accoounts)
8.2	Outward Dishonour	T$30 Each Cheque (Cheques Drawn on Accoounts)
8.3	Unapproved Excess Charges	Personal : T$20 Per Transaction Business : T$20 Per Transaction
8.4	Cheque Dishonoured for Irregularities	T$15
8.5	Stop Cheque / Payment Notice	T$20 Per Transaction
8.6	Clearance of an Account on Reaching Certain Balance	N/A

NO	DESCRIPTION	Fee
9.1	Establishment Charges	N/A (Similar to Phone Banking)
9.2	Transaction Charges	N/A (Similar to Phone Banking)
9.3	Personal Transfers	N/A

NO	DESCRIPTION	Fee
10.1	Deposit by Mail Without Lodgement Slip	N/A
10.2	Deposit Slips if Acting on Fax or Letter Advise	N/A
10.3	Transfer to Other Bank (Other Than IB)	N/A
10.4	Deposit Book / Lost Deposit Book	N/A
10.5	Transfer Within Banks	N/A

NO	DESCRIPTION	Fee
11.1	Establishment Charges	FOC
11.2	Wage / Salary & Creditor Payment	FOC Within MBF Bank
11.3	Direct Debit Schedules	FOC Within MBF Bank
11.4	Payment to Other Bank Accounts	T$10 for Each Payment
11.5	Reject Charges	N/A
11.6	Fax Messages	T$5 for Each Payment

NO	DESCRIPTION	Fee
12.1	Manual Trasnfer to Other	FOC - MBF's Customer
12.2	Wage / Salary & Creditor Payment	FOC - MBF's Customer
12.3	Withdrawal Requested By Email Without Withdrawal	T$10
12.4	Withdrawal if Acting on Fax or Letter Advise	T$10
12.5	Charge of With Confirmation of Account Balance Prior to Withdrawal	N/A
12.6	Money Transfer Charges	N/A
12.7	Reserve Bank payment Order	FOC

NO	DESCRIPTION	Fee
13.1	Passbook / Card	T$15 Each Replacement
13.2	Pin	N/A

NO	DESCRIPTION	Fee
14.1	Cheques Drawn on Bank	T$40
14.2	Cheques Drawn on Other Banks	T$25 Per Cheque
14.3	Large Cash Handling Charges	N/A

NO	DESCRIPTION	Fee
15.1	Sealed Envelope (360mm*180mm)	N/A
15.2	Sealed Envelopes / Boxes (10,000 Cubic cm)	N/A
15.3	Annual Charges	N/A
15.4	Request for Tarnsfer to Another Branch of Bank; Each Item	N/A
15.5	Frequent Access to Safe Custody	N/A
15.6	Script and Similar Transactions	N/A
15.7	Overnight Safe Custody	N/A
15.8	Lost Safe Custody, Receipts, Issues of	N/A

NO	DESCRIPTION	Fee
16.1	Full Statements
16.2	Special Request Issuance	T$2 Each Page
16.3	Repeat Statements	T$2 Each Page
16.4	Computer Printouts	T$2 Each Page

NO	DESCRIPTION	Fee
17.1	Account Balance Confirmation - Each Account	T$25 Per Certificate
17.2	Confirmation on Interest Received & Paid - Each Account	T$25 Per Certificate
17.3	Balance Confirmation Issuance for Audit Purposes, Bill Holdings, Goods Shipped, Deeds and Documents Held etc - Each	T$ 50
17.4	Photocopy / Duplicate Certificate	N/A

NO	DESCRIPTION	Fee
18.1	Bank Customers	FOC
18.3	Other Bank Customers	N/A

NO	DESCRIPTION	Fee
19.1	Photocopy Request	T$1 Per Copy

NO	DESCRIPTION	Fee
20.1	Change (Coins) Per Bag or Roll	T$5 per bag
20.2	Coin Counting Per Container	T$10 per container

NO	DESCRIPTION	Fee
21.1	Standard Retrieval	T$5 Per Item
21.2	Historical Retrieval	T$5 Per Item

NO	DESCRIPTION	Fee
22.1	Duplicate Books / Reproduction / Search for Records / Documents	FOC

NO	DESCRIPTION	Fee
23.1	No Payments Due to Lack of Funds	FOC
23.2	Payment by Bank Cheque	T$10
23.3	Payment to Account within the Bank	FOC
23.4	Payment to Account at Other Banks	T$10


INTERNATIONAL FEES & CHARGES

NO	DESCRIPTION		FEE

1	PAYMENT OUTWARDS
	1.1	Issuance : Telegraphic Transfer (Overseas Bank May also Deduct a Processing Fee From This Payment)	* T$15 Per Transaction to Aus / NZ / Fiji * T$15 to All Other Countries
	1.2	Telegraphic Transfer	N/A
	1.3	Trace - Telegraphic Transfer	N/A
	1.4	Interbank Payments (Local Transfer)	T$10 Per Transaction
	1.5	Draft Issuance	T$9.10 Per Transaction
	1.6	Draft Issuance - TOP	T$10 Per Transaction
	1.7	Drafts and TTs in FCY from Foreign Currecny Accounts	FCN$20 Per Transaction
	1.8	Other Outward Transfer (Ex: Money Gram / Travellex)	N/A
2	PAYMENT INWARDS
	2.1	Inward Telegraphic Transfers and Drafts	N/A
	2.2	Credit to Local Currency Account and/or Foreign Currency Account within the Bank	T$20 Per Transaction
	2.3	Credit to Local Currency Account and/or Foreign Currency Account with Other Bank	T$20 Per Transaction
	2.4	Payment Encashement - TOP Drafts Drawn on the Bank	FOC
	2.5	Other Inward Transfers (Ex: Money Gram / Travellex)	N/A
	2.6	Payment / Encashment - TOP Drafts Drawn on the Bank	T$25 Per Transaction
	2.7	Inter-Bank Payments	N/A
	2.8	Letter of Confirmation for Receipt of Funds	T$25 Per Transaction
3	TRAVELLERS CHEQUES
	3.1	Issuance Travellers Cheques	N/A
	3.2	Encash Travellers Cheques	T$5.10, 10 Seniti Per TC
4	FOREIGN CURRENCY NOTES
	4.1	Buy & Sell - Non Customer	FOC
	4.2	FCY Selling	N/A
	4.3	Buy & Sell - Bank Customer	FOC
5	FOREIGN CURRENCY ACCOUNTS
	5.1	Account Service	N/A
	5.2	Account Opening Fee	N/A
	5.3	Activity Fee	N/A
	5.4	Collection Fee	N/A
	5.5	Maintenance Fee	N/A
	5.6	Duplicate Statement - Additional Copy	N/A
	5.7	Audit Certificate	N/A
	5.8	Dormant Account Fee	N/A
	5.9	Account Closure Fee	N/A
	5.10	High Performance Savings	N/A
	5.11	Withdrawal Fee	N/A
	5.12	Minimum Balance Fee	N/A
	5.13	Replacement Passbook	N/A
	5.14	Inoperative Fee	N/A
	5.15	Term Deposit Break Fee	N/A
	5.16	Periodic Payment Transfer (Internal Transfers)	N/A
6	FORWARD EXCHANGE CONTRACTS
	6.1	New Contracts	N/A
	6.2	Extensions	N/A
	6.3	Cancellations	N/A
7	DOCUMENTARY CREDITS INWARD (EXPORT CREDITS)
	7.1	Advising Credits	T$100 Per Transaction
	7.2	Advising Amendments	T$100 Per Transaction
	7.3	Negotiated by Other Banks	T$100 Per Transaction
	7.4	Confirmation of Credit	N/A
	7.5	Acting as Paying or Reimbursing Bank	T$100 Per Transaction
	7.6	Transferrable Credits	T$200 Per Transaction
	7.7	Simple Transfer	T$200 Per Transaction
	7.8	Involved Trasnfer	T$200 Per Transaction
	7.9	negotiations Under Documentary Credits	T$200 Per Transaction
8	DOCUMENTARY CREDITS OUTWARD (IMPORT CREDITS) INCLUDES STANDBY LETTER OF CREDITS
	8.1	Issuing Charges	2% of LC Amount (one-off)
	8.2	Usance	1.50% Monthly
	8.3	Revolving Credits	N/A
	8.4	Deferred Payment Credits (Term)	N/A
	8.5	Amendments	T$100 Per Transaction
	8.6	Authorization of Irregular Drawings	T$100 Per Transaction
	8.7	Authorization of Any Other Discrepancies	T$100 Per Transaction
9	GUARANTEES / STANDBY LETTER OF CREDIT
	9.1	Inwards
		Advising	N/A
		Amendments	N/A
		Negotiation	N/A
		Confirmation	N/A
		Courier Fee	N/A
		Swift Advice Long Short	N/A
	9.2	Outwards
		Issuance	N/A
		Confirmation	N/A
		Swift Advice Long Short	N/A
		Amendments - Basic	N/A
		Amendments - Increase in Amount	N/A
		Amendments - SWIFT Advice Long Short	N/A
10	IMPORT / EXPORT FINANCE FACILITY
	10.1	Processing Fee	T$200 Per Transaction
11	DISHONOURS
	11.1	Clean Bills and Cheques	T$100 Per Transaction
	11.2	Doxumentary Items	T$100 Per Transaction
	11.3	Noting and Protesting a Bills	T$100 Per Transaction
	11.4	Storing and Insuring Goods	N/A
	11.5	Representation of Dishonoured	N/A
	11.6	Withdraw Accepted Bills	N/A
	11.7	Delivery Orders	N/A
12	COMMERCIAL - MONEY EXCHANGE COMPANIES
	12.1	Cash Deposit	N/A
	12.2	Drafts / Travellers Cheque Deposits	N/A
13	REPURCHASE OF DRAFTS
	13.1	Original Item on Hand	T$9.10 Per Item
	13.2	Original Item no on Hand	T$9.10 Per Item
	13.3	Placing a Stop Payment on Lost / Stolen Item	T$20 Per Item
14	DOCUMENTARY ITEMS
	14.1	Sight	T$200 Per Item
	14.2	Term	T$200 Per Item
	14.3	Airmail Postage	FOC
	14.4	Overseas Courier	FOC for Customer's Account
	14.5	Clean Bills and Cheques	T$50 Per Transaction
15	BILLS INWARD
	15.1	Negotiation of Clean Items
		Travellers Cheque	N/A
		Foreign Cheques	T$25.10 Per Collection
	15.2	Collection of Documentary Bills
		Collection Received from Overseas Banks / Bracnhes / Direct	FCN$67 Per Collection
	15.3	Additional Charges
		Airmail Postage	N/A
		Swift	N/A
		Draft and Cheques on Collection Basis	N/A
	15.4	Responsibility Fee
		For Extension of a Bill	N/A
	15.5	Delivery Orders
		Part Payments	N/A
		Contact in Case of Need	N/A
	15.6	Representation of Dishonoured Items
		Clean Bills and Cheques	T$50 Per Item
		Documentary Items	T$50 Per Item
16	SHIPPING GUARANTEES / AIRWAY BILL RELEASE
	16.1	Establishment	2% of Guarantee Value or T$500 (one-off)
	16.2	Shipping Guarantee	N/A
	16.3	Airway Bill Release	N/A
	16.4	Half Year Charge	1.5% Monthly
	16.5	1st 6 Months	N/A
	16.6	Second 6 Months	N/A
	16.7	Third & Subsequent Half Year Charges	N/A
17	SWAP COMMISSION
	17.1	Non Commercial Transactions	N/A
	17.2	FCY Cash Deposit or TT Swap / Bank Draft Swap	N/A
	17.3	Draft / Travellers Cheque Deposit	N/A
18	BILL DISCOUNTED (INWARD BILLS)
	18.1	Acceptance Commission	N/A
	18.2	30 Days	N/A
	18.3	60 Days	N/A
	18.4	90 Days	N/A
	18.5	120 Days	N/A
	18.6	150 Days	N/A
	18.7	180 Days	N/A
19	OVERSEAS BILL DISCOUNTED
	19.1	Foreign Currecy Accounts	N/A
	19.2	Activity Fee	N/A
	19.3	Collections	N/A
	19.4	Maintenance Fee	N/A
	19.5	Repeat Statement	N/A
	19.6	Account Closure	N/A
	19.7	Withdrawal	N/A
	19.8	Term Deposit Repayment	N/A
	19.9	Outward Telegraphic Transfer	N/A
	19.10	Inward Telegraphic Transfer	N/A
	19.11	Issuance of Draft	N/A

CUSTOMER SERVICE TARIFF

NO	DESCRIPTION		Fee

PASSBOOK SAVINGS ACCOUNT
1	1.1	Maintenance Charges on Business and Others	T$30 Half Yearly
	1.2	Maintenance Charges on Personal Savings Accounts	T$15 Half Yearly
	1.3	Transaction Charges	FOC - Unlimited
	1.4	Inoperative Charges Acount	T$1 monthly after 12 months
	1.5	Minimum Depsoit to Open Account	T$30
	1.6	Minimum Balance Requirment	T$20
	1.7	Withdrawal / Deposit Without Passbook Initiated by Customer	T$2
	1.8	Over the Counter Withdrawal Charges	N/A
	1.9	Service Charges	N/A
	1.10	Number of Free Withdrawals	N/A
OTHER PERSONAL SAVINGS ACCOUNT
2	2.1	Minimum Balance Requirment	T$20
	2.2	Service Charges	FOC
	2.3	Maintenance Charges	T$30 Half Yearly
	2.4	Over the Counter Withdrawal Charges	FOC - Unlimited
	2.5	Number Free Withdrawal	N/A
	2.6	Minimum Withdrawal	N/A
	2.7	Electronic Trasnaction Charges	N/A
	2.8	Inoperative Charges Acount	N/A
	2.9	Minimum Depsoit to Open Account	T$30
PERSONAL CHEQUE ACCOUNT
3	3.1	Minimum Balance Requirment	T$100
	3.2	Service Charges	FOC
	3.3	Maintenance Charges	T$60 Half Year
	3.4	Cheque Book Charges	50 Pages - T$10 25 Pages - T$5
	3.5	Transactional Charges	N/A
	3.6	Over the Counter Withdrawal Charges	FOC - Unlimited
	3.7	Collection Charges	N/A
	3.8	Inoperative / Dormant Account Charges	N/A
	3.9	Account Overdrawn Charges	T$10
	3.10	Account Closure Charges	N/A
	3.11	Automatic Deduction	N/A
	3.12	Minimum Depsoit to Open Account	T$500
BUSINESS CHEQUE ACCOUNT
4	4.1	Minimum Balance Requirment	T$150
	4.2	Service Charges	FOC
	4.3	Maintenance Charges	T$120 on Half year
	4.4	Cheque Book Charges	50 Pages - T$10 25 Pages - T$5
	4.5	Over the Counter Withdrawal Charges	FOC - Unlimited
	4.6	Collection Charges	FOC - Unlimited
	4.7	Inoperative / Dormant Account Charges	N/A
	4.8	Account Overdrawn Charges	T$20
	4.9	Transaction Charges	FOC - Unlimited
	4.10	Account Closure Charges	T$5 (One - Off)
	4.11	Number of Free Transaction	N/A
	4.12	Automatic Deduction	N/A
	4.13	Minimum Depsoit to Open Account	T$1,000
FIXED / TERM DEPOSITS
5	5.1	Early Redemption Charges	T$60 for Each Fixed Deposit Receipt
	5.2	Minimum Opening Balance / Operating Balance	T$5,000
	5.3	Insurance	N/A
	5.4	Maturity Withdrawal	N/A
	5.5	Penalty Interest Rate Adjustment Calculated on Portion of Term Completed	2% penalty interest Round Down to the Nearest Completed month Based on the Prevailing Available Interest Rates on Pro Rated Basis

6	6.1	Minimum Balance Requirment	N/A
	6.2	Service Charges	N/A
	6.3	International Charges	N/A
	6.4	Electronic Withdrawal	N/A
	6.5	Over the Counter Withdrawal Charges	N/A
	6.6	Number of Free Withdrawals	N/A
	6.7	EFTPOS Reject Charges (Transaction Declined Due to Insufficient Funds)	N/A
	6.8	International Balance Inquiry Charges	N/A
	6.9	Maximum Amount Allowed to be Drawn Per Day	N/A
	6.10	Inoperative Account Charges	N/A
	6.11	Cash Disbursement Charges (Overseas Cards)	N/A
	6.12	Cash Advance Charges	N/A
BANK CHEQUE
7	7.1	Issuance	T$ 7 Per Issuance
	7.2	Duplicate / Replacement	T$10 Per Issuance
	7.3	Repurchase of Bank Cheque	T$10 Per Issuance
	7.4	Lost Cheque Book	T$15
DISHONOURED CHARGES
8	8.1	Inward Dishonour	T$20 Each Cheque (Cheques Deposited to Accoounts)
	8.2	Outward Dishonour	T$30 Each Cheque (Cheques Drawn on Accoounts)
	8.3	Unapproved Excess Charges	Personal : T$20 Per Transaction Business : T$20 Per Transaction
	8.4	Cheque Dishonoured for Irregularities	T$15
	8.5	Stop Cheque / Payment Notice	T$20 Per Transaction
	8.6	Clearance of an Account on Reaching Certain Balance	N/A
INTERNET BANKING
9	9.1	Establishment Charges	N/A (Similar to Phone Banking)
	9.2	Transaction Charges	N/A (Similar to Phone Banking)
	9.3	Personal Transfers	N/A
DEPOSITS
10	10.1	Deposit by Mail Without Lodgement Slip	N/A
	10.2	Deposit Slips if Acting on Fax or Letter Advise	N/A
	10.3	Transfer to Other Bank (Other Than IB)	N/A
	10.4	Deposit Book / Lost Deposit Book	N/A
	10.5	Transfer Within Banks	N/A
DISKPAY
11	11.1	Establishment Charges	FOC
	11.2	Wage / Salary & Creditor Payment	FOC Within MBF Bank
	11.3	Direct Debit Schedules	FOC Within MBF Bank
	11.4	Payment to Other Bank Accounts	T$10 for Each Payment
	11.5	Reject Charges	N/A
	11.6	Fax Messages	T$5 for Each Payment
PAYMENT FROM LIST TRANSFER ORDER PAYMENTS WITHDRAWALS
12	12.1	Manual Trasnfer to Other	FOC - MBF's Customer
	12.2	Wage / Salary & Creditor Payment	FOC - MBF's Customer
	12.3	Withdrawal Requested By Email Without Withdrawal	T$10
	12.4	Withdrawal if Acting on Fax or Letter Advise	T$10
	12.5	Charge of With Confirmation of Account Balance Prior to Withdrawal	N/A
	12.6	Money Transfer Charges	N/A
	12.7	Reserve Bank payment Order	FOC
LOST PASSBOOK / CARD / PIN
13	13.1	Passbook / Card	T$15 Each Replacement
	13.2	Pin	N/A
SPECIAL ANSWER CHARGES
14	14.1	Cheques Drawn on Bank	T$40
	14.2	Cheques Drawn on Other Banks	T$25 Per Cheque
	14.3	Large Cash Handling Charges	N/A
SAFETY CUSTODY CHARGES
15	15.1	Sealed Envelope (360mm*180mm)	N/A
	15.2	Sealed Envelopes / Boxes (10,000 Cubic cm)	N/A
	15.3	Annual Charges	N/A
	15.4	Request for Tarnsfer to Another Branch of Bank; Each Item	N/A
	15.5	Frequent Access to Safe Custody	N/A
	15.6	Script and Similar Transactions	N/A
	15.7	Overnight Safe Custody	N/A
	15.8	Lost Safe Custody, Receipts, Issues of	N/A
STATEMENT
16	16.1	Full Statements
	16.2	Special Request Issuance	T$2 Each Page
	16.3	Repeat Statements	T$2 Each Page
	16.4	Computer Printouts	T$2 Each Page
BALANCE CONFIRMATIONS
17	17.1	Account Balance Confirmation - Each Account	T$25 Per Certificate
	17.2	Confirmation on Interest Received & Paid - Each Account	T$25 Per Certificate
	17.3	Balance Confirmation Issuance for Audit Purposes, Bill Holdings, Goods Shipped, Deeds and Documents Held etc - Each	T$ 50
	17.4	Photocopy / Duplicate Certificate	N/A
CHANGE SUPPLIEED
18	18.1	Bank Customers	FOC
	18.3	Other Bank Customers	N/A
PHOTOCOPYING
19	19.1	Photocopy Request	T$1 Per Copy
COINS
20	20.1	Change (Coins) Per Bag or Roll	T$5 per bag
	20.2	Coin Counting Per Container	T$10 per container
VOUCHER RETREIVAL
21	21.1	Standard Retrieval	T$5 Per Item
	21.2	Historical Retrieval	T$5 Per Item
FINANCE BOOK RECORDS (DUPLICATES)
22	22.1	Duplicate Books / Reproduction / Search for Records / Documents	FOC
PERIODIC PAYMENTS
23	23.1	No Payments Due to Lack of Funds	FOC
	23.2	Payment by Bank Cheque	T$10
	23.3	Payment to Account within the Bank	FOC
	23.4	Payment to Account at Other Banks	T$10

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	Fee Description	Amount	Frequency (e.g. one-off, monthly, quarterly etc.)
a	Loan establishment fee	Less than T$1,000 - Free of Charge T$ 1000- T$ 3000 - T$ 200 T$ 3000 - T$ 6000 - T$ 300 T$ 3000 & above - T$ 500	One off
b	Loan administration fee	Free of Charge
c	Early settlement
	Refinance	T$ 150	One off
	Settlement	Free of Charge
d	Loan agreement fee	N/A
e	Loan variation fee	N/A

	Fee Description	Amount	Frequency (e.g. one-off, monthly, quarterly etc.)
a	Loan establishment fee	Less than T$20,000 - Free of Charge T$ 20,000 & above - 2% of the loan amount	One off
b	Loan administration fee	N/A
c	Housing loan certificate	T$ 25	Per Issuance
d	Search Fee	Free of Charge
e	Documentation handling fee ( Mortgage preperation Only)	T$ 500	One off
	Early settlement
a	Refinance	T$ 250	One off
b	Settlement	Free of Charge
c	Loan agreement fee	N/A
d	Loan variation fee	N/A

	Fee Description	Amount	Frequency (e.g. one-off, monthly, quarterly etc.)
a	Term loan
i	Loan establishment fee	Less than T$10,000 - Free of Charge T$ 10,000 & above - 2% of the loan amount	One off
ii	Loan administration fee	Less than T$14,999 - Free of Charge T$ 15,000 - T$ 49,999 - 2% or Min of T$ 500 T$ 50,000 - T$ 499,999 - 2% of the loan amount T$ 01Mn & above - Free of Charge	One off
iii	Search Fee	Free of Charge
iv	Documentation handling fee ( Mortgage preperation Only)	T$ 500	One off
v	Early settlement
	Refinance	T$ 250	One off
	Settlement	Free of Charge
vi	Loan agreement fee	N/A
vii	Loan variation fee	N/A
b	Overdraft
i	Loan establishment fee	Less than T$1,000 - Free of Charge T$ 1000- T$ 2000 - T$ 200 T$ 2001 - T$ 6000 - T$ 300 T$ 6001 -T$ 20,000 - T$ 500 T$20,001 & above - Free of Charge	One off
ii	Loan administration fee	N/A
iii	Line fee	N/A
iv	Search Fee	Free of Charge
v	Documentation handling fee ( Mortgage preperation Only)	T$ 300	One off
vi	Loan agreement fee	N/A
vii	Loan variation fee	N/A
c	Unapproved Excess fees
i	Personal Accounts	T$ 15	Each Transaction
ii	Business Accounts	T$ 15	Each Transaction

	Fee Description	Amount	Frequency (e.g. one-off, monthly, quarterly etc.)
a	Loan establishment fee	2% of the Gurantee sum	One off
b	Loan administration fee	1.50%	Monthly

	Fee Description	Amount	Frequency (e.g. one-off, monthly, quarterly etc.)
a	Search Fee	Free of Charge
b	Searches of titles, firms, companies, bills of sale, crop lien etc	Free of Charge
c	Finance Company Search	Free of Charge
d	Document Handling Fee	N/A
e	Registration	Government Charges May apply
f	Stamping	Government Charges May apply
g	Late/Loan Arrears Fee	2% or min T$2	Monthly
h	Switch Fees (switching from one product to another or changing interest rates)	N/A
i	Portability Fee (continue with loan but switch securities)	N/A
j	Property Inspection Fee	Free of Charge
k	Inspection	Free of Charge
l	Photocopy of documents	T$1	Per copy
m	Repayment suspension	N/A
n	Opinions	T$ 25	Each issuance
o	Cancellation	Free of Charge
p	Insurance handling	Free of Charge
q	Salary assignment	Free of Charge
r	Holding fee	Free of Charge
	Progressive drawn – loan not fully drawn down within 9 months from date of acceptance of offer letter (Fee is collected when draw is made, based on amount undrawn up to that time.)	N/A
s	Term loans not fully drawn down within 4 months from date of acceptance of offer letter	N/A
t	Refinanced default account	T$ 100	One off

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