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Fees & Service charges

All fees/service charges are subject to OB

Dear Client,

Effective April 1, 2017 several fees and service charges will be amended for personal accounts, business accounts and in-branch transactions. Please note that these amendments may impact your account(s). All respective fees are indicated below. Amended fees are indicated in blue and bold.

Please note that many of our Bank transactions are offered free of charge or at a lower fee via our MCB Online Banking and MCB Mobile services, Bankomatiko (ATM’s) and Pagomatiko terminals.
For further questions and inquiries, please contact us at (+599 9) 466 1111 or mail us at: info@mcb-bank.com
 

CURRENT ACCOUNT MONTHLY ADMINISTRATION FEE*

 

NAf/AWG Accounts

Charges

 

USD/CAD Accounts

Charges

Resident

NAf 3.50

 

Resident

US$ 5.00

Non-Resident

NAf 7.50

 

Non-Resident

US$ 5.00

 

EURO Accounts

Charges

 

 

 

Resident

€ 30.00

 

 

 

Non-Resident

€ 30.00

 

 

 


*Fee charged to ALL accounts regardless of balance.
60+(only Resident Accounts) and Student Accounts are exempted.

TRANSFER INSTRUMENTS

 

Bank Drafts, Money Orders
and Foreign Checks

Charges

 

Bank Drafts, Money Orders
and Foreign Checks

Charges

Local Bank Draft (Giro Vendido)

NAf 5.00

 

Foreign Currency Bank Draft

NAf 50.00

USD Bank Drafts Sold Fees

The following fees are applicable for the purchase of a new USD Bank Draft Sold

Personal USD Bank Draft Sold*

Commercial USD Bank Draft Sold*

ANG 53.00 (incl. OB)

ANG 212.00 (incl. OB)

* Indicated fees are for each bank draft sold, and will be drawn from the applicable account of the ordering customer.

BUSINESS (NON-PERSONAL) ACCOUNT MONTHLY ADMINISTRATION FEE (NEW)

 

NAf/AWG Accounts

Charges

 

USD/CAD Accounts

Charges

Resident

NAf 5.00

 

Resident

US$ 7.00

Non-Resident

NAf 7.50

 

Non-Resident

US$ 7.00

 

EURO Accounts

Charges

 

 

 

Resident

€ 35.00

 

 

 

Non-Resident

€ 35.00

 

 

 

LOCAL CURRENCY TRANSFERS AND BILL PAYMENTS**

 

Transfer between own
MCB Accounts

Charges

 

 

Charges

Personal Account to
Personal Account

FREE

 

Transfer or Standing Order
to MCB Group Banks

NAf 5.00

Business Account to Business
Account or Business Account to
Personal Accounts (or vice versa)

NAf 2.00

 

Transfer or Standing Order
to Other Banks in St. Maarten

NAf 10.00

 

 

Charges

 

Bill Payments
(Including payment to Utility Companies:
e.g. UTS, TDS, TRES, FLOW, Curgas, Aqualectra)

NAf 2.50

Transfer or Standing Order
to other MCB Account

NAf 2.00

 

E.g. Pre-Authorized payment to
UTS, TDS, TRES, FLOW, Curgas, Aqualectra

NAf 2.50

Transfer or Standing Order
to Other Local Bank

NAf 5.00

 

 

 


**Fee waived if using Personal Online Banking or MCB Mobile.

NON SUFFICIENT FUNDS, RETURNED ITEMS & STOP PAYMENTS

 

 

Charges

 

Stop Payment

Charges

Returned Checks or Items
with Non Sufficient Funds
(per item)

NAf 25.00

 

Per Check

NAf 15.00

Honored Checks or Items
with Non Sufficient Funds
(per item)

NAf 10.00

 

10 or more Checks with same
series number

NAf 150.00

Foreign Currency Transfer 
with Non Sufficient Funds
(per item)

NAf 50.00

 

 

 

FOREIGN CURRENCY TRANSFERS***

 

 

Charges

 

 

Charges

Transfer or Standing Order to 
MCB Account

NAf 2.50  

Outgoing Wire Transfer

0.125% of transfer
amount (min. fee
NAf 15.00, max.
fee NAf 500.00)

Transfer or Standing Order to
Other Local Bank Account

NAf 5.00

 

Outgoing Wire Transfer
using Personal Online Banking, MCBDirect Business
or MCBDirect Corporate

0.1% of transfer
amount (min. fee
NAf 12.50, max.
fee NAf 500.00

Transfer or Standing Order to
MCB Group Banks

NAf 5.00

 

Outgoing Wire Transfer
Received in Foreign
Currency at the Branch

0.125% of transfer
amount (min. fee
NAf 15.00, max.
fee NAf 500.00)
plus 0.5% exchange
commission and
licence fee
(applicable for
resident)

Transfer or Standing Order to
Other Banks in Aruba, St.
Maarten or BES Islands

NAf 10.00

 

 

 

Incoming Transfer to NAF
Account

NAf 10.00

 

 

 

Incoming US$ Transfer
to USD Account or € 
Transfer to EURO
Account

NAf 10.00
plus 0.125% of
transfer amount
(max. fee NAf
500.00)

 

 

 


***Fee waived if using Personal Online Banking or MCB Mobile except as noted above.

FOREIGN CURRENCY TRANSFERS

The following Correspondent Bank Charges will also be applied on US Dollar and Euro SWIFT Payments

Outgoing SWIFT
Transactions Amount

Charges
USD / EUR

 

Incoming SWIFT
Transactions Amount

Charges
USD / EUR

1.00 - 250.00

0.00

 

1.00 - 250.00

0.00

250.01 - 500.00

10.00

 

250.01 - 500.00 

5.00

500.01 - 1,000.00

15.00

 

500.01 - 1,000.00

10.00

1,000.01 - 5,000.00

30.00

 

1,000.01 - 5,000.00

20.00

5,000.01 - 10,000.00

60.00

 

5,000.01 - 10,000.00

30.00

10,000.01 - 50,000.00

75.00

 

10,000.01 - 50,000.00

45.00 / 40.00

50,000.00+

100.00

 

50,000.00+

60.00 / 50.00

 

The amount of these charges are in the currency of the SWIFT wire transfer; Example:
- Outgoing SWIFT transfer Amount Euro 1,000.00; the correspondent charges are Euro 15.00
- Outgoing SWIFT transfer amount US Dollar 1,000.00; the correspondent charges are US$ 15.00.

CHECKBOOK ORDERS*

 

Standard Checks

Charges

 

Desk Checks

Charges

20 checks

NAf 20.00

 

100 checks

Naf 100.00

40 checks

NAf 40.00

 

 

 

60 checks

NAf 60.00

 

 

 

**Check processing fee on issuer

NAf 2.00

 

 

 

 

* All charges are per checkbook
** Above fee is charged per check processed.
Zegelkosten "Naf. 0.25 per check not included".
​60+ accounts exempted.

STATEMENT SERVICES AND COPIES

 

Personal Accounts
Monthly Statement

Charges

 

Daily Statement Fee

Charges

Mailed to customer

FREE   Mailed to customer NAf 25.00

Held for branch pickup

NAf 30.00   Held for branch pickup  NAf 30.00

 

    Delivered via SWIFT  NAf 78.00

 

    Delivered via Facsimile NAf 50.00
 

Business Accounts
Monthly Statement Fee

Charges

 

Documents Copies

Charges

Mailed to customer

FREE   Copy of statement up to 1 year NAf 5.00
 

Interest statement

Charges

 

Copy statement between
1-5 years old

NAf 10.00

For preceding year 

FREE   Copy statement between
6-10 years old
NAf 15.00

For older years

NAf 25.00   Copy check/voucher up to
1 year
NAf 10.00
 

Investigation fees

Charges

 

Copy check/voucher between
1-5 years old

NAf 15.00

Swift acknowledgement client
(swift track)

NAf 10.00   Copy check/voucher between 
6-10 years old
NAf 50.00

Bank confirmation for parents 
i.c.w. study children

NAf 10.00      

Investigation fees claims up
to 1 year old

NAf/EUR/$ 25.00      

FOREIGN CURRENCY CHECK DEPOSITS

 

Check Deposit Drawn on 
the Following Banks:

MCB Group Banks / Other Dutch
Caribbean Banks

Charges

 

Travelers Check Deposit:

Charges

 
First Check  NAf 3.00   First Check  NAf 3.00
plus 0.5%
of check
amount
Each Additional Check  NAf 1.00   Each Additional Check  NAf 1.00
plus 0.5%
of check
amount

CASH PROCESSING FEES

 

Cash Withdrawal at Branch

Charges

 

ATM Withdrawal

Charges

From NAf Account NAf 2.00   Maestro at MCB ATM NAf 1.00
US$ withdrawal from USD
Account or € withdrawal from,
EURO Account

0.5% exchange
from commission,
plus license fee
(applicable for
resident)

  Maestro at Cashnet ATM NAf 2.00
      Maestro at Cirrus ATM NAf 4.45
      NAf Money Card NAf 3.00
      US$ Money Card US$ 3.00
 
Buy EURO Cash Charges   ATM Balance Inquiry
at Cirrus ATM
Charges
 

1.0% of purchase
amount (min. fee
NAf 5.00)

    NAf 1.00
 
Cash Deposit and
Handling at Branch
Charges      
NAf Cash Deposit to 3rd
Party MCB Account
NAf 3.50      
NAf Cash Deposit to 3rd
Party other Bank
NAf 5.00      
Foreign Currency Cash
Deposit
0.5% Exchange
Commission
     
Change Bank Note
Denominations
0.5% of amount
changed
     

INTERNET BANKING / MOBILE BANKING

 

Personal Online Banking and MCB
Mobile – Personal Accounts

Charges

 

MCB Direct Corporate
Monthly Fee (includes
one Soft Token)

Charges

Monthly Fee FREE   First user ID (including
File Upload)
NAf 100.00
Transfers Between Own Accounts

FREE

  First user ID (excluding
File Upload)
NAf 50.00
3rd Party Payment FREE   Each Additional
User ID
NAf 10.00
Statements FREE   Transfers Between 
Own Accounts
NAf 1.00
      3rd Party Payment NAf 1.00
 
MCB Direct Business Charges      
Monthly Fee FREE      
Transfers Between Own Accounts NAf 1.00      
3rd Party Payment NAf 1.00      

MONEY CARD

 

Money Card Issuing Fees

Charges

 

Money Card
Replacement Fees

(lost, stolen or expired)

Charges

NAf Money Card, Personalized

NAf 30.00

 

Replace NAF Money Card

NAf 10.00

US$ Money Card, Personalized

US$ 30.00

 

Replace US$ Money Card

US$ 10.00

 

Money Card Reloading Fees

Charges

 

Money Card Refund Fees
(lost, stolen or expired)

Charges

Reload NAF Money Card

NAf 5.00

 

Refund NAF Money Card

NAf 10.00

Reload US$ Money Card

US$ 5.00

 

Refund US$ Money Card

US$ 10.00

 

Purchase Fee

Charges

 

Personal Online Banking Reload Fee

Charges

One-time fee charged for the purchase of the card

 

 

A fee will be charged each time you reload additional founds through online banking

 

Kompa Leon MoneyCard

NAf 31.80

 

Kompa Leon MoneyCard

NAf 2.12

MCB Visa MoneyCard

US$ 31.80

 

MCB Visa MoneyCard

US$ 2.12

 

Branch Reload Fee

Charges

 

Lost/Stolen Replacement Fee

Charges

A fee will be charged each time you reload additional founds, excluding online banking

 

 

When you request replacement card(s) for lost/stolen card(s) a fee will be charged to your card

 

Kompa Leon MoneyCard

NAf 5.30

 

Kompa Leon MoneyCard

NAf 31.80

MCB Visa MoneyCard

US$ 5.30

 

MCB Visa MoneyCard

US$ 31.80

 

Cash Advance Fee

Charges

 

 

 

When you withdraw cash a fee will be charged, which is in addition to the fee charged by the ATM owner

 

 

 

 

Kompa Leon MoneyCard

NAf 5.30

 

 

 

MCB Visa MoneyCard

US$ 5.30

 

 

 

LOANS & MORTGAGES

 

Restructure Fee

Consolidation Fee

Extension Fee

NAf . 350,- for loans lower than Naf. 10.000,-

NAf . 250,- for loans lower than Naf. 10.000,-

1% of the total outstanding amount in NAf.

NAf . 750,- for loans (incl. Mortgages) above the amont of Naf. 10.000,-

NAf . 500,- for loans (incl. Mortgages) above the amont of Naf. 10.000,-

 

NIGHT DEPOSIT SERVICES

A NAF2.50 Night Deposit fee will be applied for customers making more than 5 deposits daily.

Disposable Night Deposit Bags

Charges

 

 

Charges

Per Bag NAf 0.75   Additional keys (per key) NAf 25.00
For 50 Bags

NAf 30.00

  Replacement of lost key NAf 25.00
For 100 Bags NAf 55.00  

 

 
*OB to be included in all prices.        
Note: All customers with a Night Deposit Agreement receive 1 Head Door key free of charge.
Head Door keys: Entrance used to deposit bags at the Branch.

MISCELLANEOUS

 

Replacement

Charges

 

Foreign Bank Inquiries
and Investigations

Charges

Lost Savings Passbook

NAf 15.00

 

Check Status, Stop Payment,
Replacement or Inquiry

US$ 20.00

ATM Card

NAf 15.00

 

Cancel Stop Payment

US$ 20.00

E-Pass

NAf 5.00

 

 

 

 

Please note that many of these transactions are offered free of charge or for a lower fee via our Bankomatiko (ATM’s), Pagomatiko, Personal Online Banking and MCB Mobile.