Payments for private individuals


	Payments for private individuals

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Payments for Private individuals

External payments in USD / CIS currencies / EUR / other currencies

External payments in Lats

Internal payments in all currencies

Extra services

Effective since 06.06.2011

1. Payments in USD
Type of transfer	Charges covered by	NORVIK BANKA charges	Additional charges
Ordinary payment executed on the second business day after payment order is submitted to the bank (Т+2)	Beneficiar	10 USD	Deducted from transfer amount by intermidiary bank
	Remitter	15 USD	Covered by remitter upon intermidiary bank request
Cut off time 18:00 (Latvian time)
Standard payment executed on the next business day after payment order is submitted to the bank (Т+1)	Beneficiar	20 USD	Deducted from transfer amount by intermidiary bank
	Remitter	35 USD	Covered by remitter upon intermidiary bank request
Cut off time 18:00 (Latvian time)
Urgent payment executed on the business day when payment order is submitted to the bank (Т)	Beneficiar	40 USD	Deducted from transfer amount by intermidiary bank
	Remitter	65 USD	Covered by remitter upon intermidiary bank request
Cut off time 17:00 (Latvian time)
Express payment executed during 2 hours on the business day when payment order is submitted to the bank (Т)	Beneficiar	65 USD	Deducted from transfer amount by intermidiary bank
	Remitter	90 USD	Covered by remitter upon intermidiary bank request
Cut off time 17:00 (Latvian time)
Accepting of payment order in paper form		10 EUR

2. Payments in CIS currencies
Type of transfer	NORVIK BANKA charges
Ordinary payment in RUB and other CIS currencies executed on the the second business day after payment order is submitted to the bank (Т+2)	8 EUR
Cut off time 18:00 (Latvian time)
Standard payment in RUB and other CIS currencies executed on the next business day after payment order is submitted to the bank (Т+1)	10 EUR
Cut off time for RUB 18:00, other currencies - 12:00 (Latvian time)
Urgent payment (if available)* in RUB and other CIS currencies executed on the business day when payment order is submitted to the bank (Т) **	25 EUR
Cut off time 12:00 (Latvian time)
Accepting of payment order in paper form	10 EUR

* payment order is considered "accepted" when a corresponding amount of money is deducted from client´s account

** for payments in Russian rubles - during the winter time until 11:00 o´clock Latvian time

3. Payments up to 12 500 EUR
Type of transfer	Type of payment order	NORVIK BANKA charges
Standard payment executed on the next business day after payment order is submitted to the bank (Т+1)	Paper	9 EUR
	Electronic	8 EUR
Cut off time 18:00 (Latvian time)
Urgent payment executed on the business day when payment order is submitted to the bank (Т)	Paper	11 EUR
	Electronic	10 EUR
Cut off time 12:00 (Latvian time)
Express payment executed out of turn on the business day when payment order is submitted to the bank (Т)	Paper	17 EUR
	Electronic	15 EUR
Cut off time 15:00 (Latvian time)

3а. Payments over 12 500 EUR
Type of transfer	Charges covered by	NORVIK BANKA charges	Additional charges
Standard payment executed on the next business day after payment order is submitted to the bank (Т+1)	Beneficiar	20 EUR	Deducted from transfer amount by intermidiary bank
	Remitter	20 EUR	Covered by remitter upon intermidiary bank request
Cut off time 18:00 (Latvian time)
Urgent payment executed on the business day when payment order is submitted to the bank (Т)	Beneficiar	40 EUR	Deducted from transfer amount by intermidiary bank
	Remitter	40 EUR	Covered by remitter upon intermidiary bank request
Cut off time 12:00 (Latvian time)
Express payment executed out of turn on the business day when payment order is submitted to the bank (Т)	Beneficiar	60 EUR	Deducted from transfer amount by intermidiary bank
	Remitter	60 EUR	Covered by remitter upon intermidiary bank request
Cut off time 15:00 (Latvian time)
Accepting of payment order in paper form		10 EUR

4. Payments in other currencies
Type of transfer	Charges covered by	NORVIK BANKA charges	Additional charges
Standard payment executed on the second business day after payment order is submitted to the bank (Т+2)	Beneficiar	35 EUR	Deducted from transfer amount by intermidiary bank
	Remitter	35 EUR + extra fee**	Covered by remitter upon intermidiary bank request
Cut off time 18:00 (Latvian time)
Urgent payment (if available)* executed on the next business day after payment order is submitted to the bank (Т+1)	Beneficiar	45 EUR	Deducted from transfer amount by intermidiary bank
	Remitter	45 EUR + extra fee**	Covered by remitter upon intermidiary bank request
Cut off time 14:00 (Latvian time)
Accepting of payment order in paper form		10 EUR

* payment order is considered "accepted" when a corresponding amount of money is deducted from client´s account

** Additional charges for payment with commision OUR
Currency	Fee
CAD	20 CAD
CHF	25 CHF
CZK	0,005% of amount (min. 300 CZK, max. 2 000 CZK)
DKK	125 DKK
GBP	12 GBP
JPY	actual costs
LTL	30 LTL
NOK	120 NOK
PLN	actual costs
SEK	100 SEK
other currencies	actual costs

5. External payments in Lats
Service	Charges
External standard payment in LVL to different Latvian bank is executed on the business day when payment order is submitted to the bank (Т), if a payment order was submitted before 13:00 (Latvian time)
- payment order in paper form (without a payment order)	0,70 EUR/0,50 LVL
- payment order in paper form (with a payment order)	1 EUR/0,70 LVL
- payment order in electronic form	0,30 EUR/0,20 LVL
External standard payment in LVL to different Latvian bank is executed on the next business day after payment order is submitted to the bank (Т), if a payment order was submitted after 13:00 (Latvian time)
- payment order in paper form (without a payment order)	0,70 EUR/0,50 LVL
- payment order in paper form (with a payment order)	1 EUR/0,70 LVL
- payment order in electronic form	0,30 EUR/0,20 LVL
Express payment in LVL to different Latvian bank executed on the business day when payment order is submitted to the bank (Т), if a payment order was submitted before 13:00 (Latvian time)	10 EUR/7 LVL

6. Internal payments (within NORVIK BANKA)
Service	Charges
Internal payment in any currency is executed on the business day when payment order is submitted to the bank (Т), if a payment order was submitted on working days and saturdays from 09:00 till 18:00 (bank office) or till 21:00 (internetbanking); otherwise - payment order is executed on the next business day (T+1)
- payment order in paper form (without a payment order)	0,50 EUR/0,35 LVL
- payment order in paper form (with a payment order)	1,20 EUR/0,80 LVL
- payment order in electronic form	free of charge

7. Extra services
Service	Charges
1. Cancellation, investigation and amendment of payments in LVL	10 EUR
2. Cancellation, investigation and amendment of payments in foreign currencies, other than CIS	50 EUR + additional charges
3. Cancellation, investigation and amendment of payments in CIS currencies	20 EUR
4. Back valuations of payments in foreign currencies	100 EUR + additional charges
5. Investigation of payments expected in f/o NORVIK BANKA	50 EUR + additional charges
6. Incoming funds crediting to correspondent bank account of NORVIK BANKA not intended for customer´s transfers	15 EUR
7. Return of incoming payment (charged from the transfer amount)	20 EUR
8. Non-standard investigation of internal payments	20 EUR
9. Investigation of incoming payments	20 EUR