The Statement of Fees has a standard form, common to all banks in the European Union, detailing all fees and interest payable by the customer. It may also include, interest rate information for payment services linked to the consumer payment account (s) during the period covered by the Statement of Fees.

No, you do not need to take any action.

In accordance with the provisions of  the “Law on the Comparability of Charges, Payment Account Change and Access to Payment Accounts", the Bank must provide its customers, on an annual basis and free of charge, with a 'Statement of Fees’ for each payment account they maintain with the Bank.

Payment accounts are accounts held in the name of one or more customers and used to execute payment transactions. Payment accounts include the following categories of Bank accounts:

• Current Account with or without an overdraft limit

• Savings Account

• Notice Account (up to seven (7) days)

• Online Current Account with or without an overdraft limit (Net Account)

• Credit Card Account

• Prepaid Card Account

For the other categories of accounts (e.g. Loan Accounts, Term Accounts, Notice Accounts in excess of seven (7) days) no Statement of Fees is sent.

In relation to Savings accounts that were converted to a Basic account during the year 2020, what is presented in the Statement of Fees, concerns the Savings account for the period from 01/01/2020 until the date of its conversion into a Basic account, while for the rest period, i.e. from the date of conversion until 31/12/2020, concerns the Basic account.

The Statement of Fees is expressed in the currency of the payment account and includes the following:

(a) The unit fee charged for each payment service associated with the account and the number of cases in which the service was used during the relevant period.

(b) The total amount of fees paid for each service during the relevant period.

(c) The overdraft interest rate applicable to the account and the total amount of interest applied on the overdraft balance during the respective period, as appropriate.

(d) The credit interest rate applicable to the account and the total amount of interest received during the relevant period, as appropriate.

(e) The total amount of fees charged for all payment services provided during the relevant period.

Payment services concern the following:

• account maintenance (current, savings, etc.)

• provision of debit cards

• provision of credit cards

• cash withdrawal

• issuance of a cheque book

• SEPA credit transfers

• Credit transfers outside SEPA

• standing orders

• direct debits

• check returns due to insufficient funds

• currency exchange services

• overdrafts

• account statement copy

For other services not listed above and which do not involve payment services (e.g. bank check issuance, safebox fees) the charges are shown in detail in your account statement.

Charges refunds may not be included in the Statement of Fees. Refunds are presented in detail in your account statement.

Unit fees are in accordance with the Bank's Charges and Commissions List and may differ from the final charge due to special pricing or a change of your sector during the relevant period.

The Statement of Fees is available only to individual consumers. If you have requested to receive an account statement from a branch or have not updated your mailing address, you should contact the Hellenic Bank branch servicing you.

The “Statement of Fees” is sent annually to you for the previous 12-month calendar year.

No. The Statement of Fees applies only to individual customers.

Yes, you will continue receiving your account statement.

For further clarifications you can call one of the Hellenic Bank branches or the Customer Contact Center at 8000 9999.