Fee guide

• included into the package

In the system:

• interbank settlements – 50 transfers per month;
• intrabank settlements – unlimited

• over the limit of the service package

In systems:

• interbank settlements – 1.50 BYN (per 1 transfer),
• intrabank settlements – no restrictions

• through a cash desk of  JSC Belagroprombank

• through self-service devices of JSC Belagroprombank equipped with a cash acceptance module  (self-service payment terminal, ATM)

• through an automatic deposit machine

1. The regulations for the provision and usage of the  service package «WHAT WOMEN WANT» (hereinafter referred to as the Regulations, service package) regulate the procedure for the provision and use by corporate clients of the bank belonging to the business direction «Micro and Small Business» and are the subjects of women’s entrepreneurship (hereinafter - clients) in JSC «Belagroprombank» (hereinafter - bank) of the service package.

Service package - a set of banking services provided in accordance with a bank account agreement in Belarusian rubles to clients at the bank on the basis of an application (free form) for connection to the service package, including those provided using remote banking systems, or on the basis of an application for opening bank account, including an application for comprehensive banking services (hereinafter referred to as the application).

2. Women's business entities include (hereinafter referred to as WBE criteria):

• individual entrepreneurs – women;
• legal entities whose share of the participation of women in the authorized capital of the organization at the time of joining this package is not less than 50% and whose head is a woman.

From the 1st day of the month following the month of receiving information from the client (about the appointment of a man as a head and (or) about a change in the composition of the founders, in which the share of participation of women in the authorized capital of the organization in the aggregate will be less than 50%) excludes the client from the WBE criteria.

The bank unilaterally, from the 1st day of the month following the current month in which the client is excluded from theWBE criteria, transfers the client to service from the «WHAT WOMEN WANT» service package to the «SMART MSB» service package of the line of service packages for corporate clients of JSC Belagroprombank.

Clients belonging to the business direction «Micro and Small Business» are included in the service package.

The category and business direction are assigned to the client in accordance with the bank’s local legal act regulating the procedure for segmenting corporate clients.

When changing the business direction «Micro and small business» to the business direction «Large and largest business», the bank unilaterally, from the 1st day of the month following the current month in which the business direction was changed, transfers the client to service from the service package «WHAT WOMEN WANT» for the «SMART LLB» service package of a line of service packages for corporate clients of JSC Belagroprombank.

If the client’s business direction changes or the client is excluded from the WBE criteria, the bank notifies the client at least 30 calendar days before the date of transfer from one service package to another electronically via RBSS. In case of disagreement with the transfer from one service package to another, the client has the right to disable the service package in the manner provided for in paragraph 21 of the Rugulations.

4. The following client bank accounts in Belarusian rubles opened with the bank are connected to one service package:

• current (settlement) bank accounts (including special accounts and subaccounts, escrow accounts and accounts to which corporate payment cards are issued);
• charitable accounts;
• trust accounts.

Client accounts for accumulating budget funds are not included in the service package.

For services under a service package, the client pays a user fee regardless of the number of client accounts serviced under this service package.

The composition of the service package does not change when additional accounts (opened, re-registered as part of the reorganization) are connected to the service package (the number of transactions included in the package does not increase).

5. As part of the service package, service with a grace period is provided.

The grace period is provided to new clients who, at the time of submitting an application for opening a current (settlement) bank account in Belarusian rubles (and (or) other accounts specified in paragraph 4 of the Regulations), do not have other accounts with the bank (including those opening a current account for the first time (current) bank account in Belarusian rubles, in respect of which the registering authority sent an electronic application to the bank through the AIS «Interaction» and (or) the remote banking service system (hereinafter referred to as RBSS) (if technically possible at the bank) (hereinafter referred to as new clients) .

The grace period is provided for 3 months, during which the user fee for this package is not charged (in this case, the month in which the client is connected to this package is considered a full month of service).

After the grace period expires, the bank provides servicing to the client under this service package (with a user fee).

If the client is disconnected from the service package (based on a free-form application) within 12 months (from the month of the grace period), the client pays a fee (reward) to the bank in the amount specified in clause 7 of the service package.

6. The date of connection to the service package is:

•     for clients opening their first bank account in Belarusian rubles - the date of opening the first bank account in Belarusian rubles in JSC Belagroprombank;
•     for clients re-opening a bank account as part of a reorganization (change in the structure of a legal entity) – the date of re-opening the bank account in Belarusian rubles at the Bank;
•     for other clients served by JSC Belagroprombank in accordance with the agreement on the current (settlement) bank account in Belarusian rubles (and (or) other accounts specified in paragraph 4 of these Rules) - the first day of the month following the date of submission of the application by the client.

7. The bank provides services to the client using the RBSS «Internet – Client» subsystem, which is included in the service package.

A prerequisite for connecting a client to a service package is the conclusion of an agreement with the bank on the use of the «Internet – Client» subsystem of the RBSS.

8. The client is served by the bank according to one service package.

The client's structural unit (branches, representative offices, etc.), which has its own payer identification number (hereinafter referred to as UNP), is connected to a separate service package (if it has a RBSS).

Subject to agreement with the bank, a structural unit of the client (branches, representative offices, etc.), which does not have its own UNP, can connect to a separate package of services (if it has a RBSS).

9. On the basis of a separate agreement/application/request in accordance with the local legal act of the Bank, connection to the following services is carried out:

• registration, connection (with issuance of a digital signature key) and use of the «Internet – Client» subsystem of the RBSS;
• remote information about ongoing operations, decisions made, and events occurring within the framework of a bank account agreement (Viber/SMS/e-mail);
• accepting cash Belarusian rubles using bank self-service devices equipped with a cash acceptance module (self-service payment and reference terminal, ATM), with crediting to the client’s current (settlement) bank accounts opened with the bank;
• accepting cash Belarusian rubles with crediting to the client’s current (settlement) bank accounts opened at the bank through an automatic deposit machine;
• issuance and servicing of corporate bank payment cards, as well as the provision of SMS information services on them;
• crediting and payment of salaries and other payments to current (settlement) bank accounts for which bank payment cards have been issued.

10. Clients connected to the  service package «WHAT WOMEN WANT» have access to the electronic trading platform «E-Commerce Service «ShireKrug» (hereinafter referred to as ETP). Access to and performance of actions on the ETP is carried out when the client registers in the ETP in accordance with legal local acts of the Bank on the operation of the electronic trading platform «E-Commerce Service «ShireKrug».

From the moment of connecting to the service package, clients have access to the «Marketplace» functional module in the «Internet – Client» subsystem of the RBSS.

12. Clients connected to the service package have the opportunity to receive services from the bank’s partners, including:

• expert audit of the information resource (website) of women's business entity from the company «1st Marketing Service» LLC;
• express diagnostics of accounting of women's business entity from the company BusinessRice LLC.

14. The user fee for using the service package is charged in full for the current month (except for the cases provided for in paragraph 5 of these Regulations) regardless of the date of connection to the service package and the number of transactions actually used by the client and the set of transactions provided for by the service package.

The service package provides a certain number of banking transactions carried out during the current month.

15. For the operation «Bank transfer in Belarusian rubles» (except for instant payments) based on a payment instruction transmitted electronically (including using AIS MOF), no fee is charged for making payments:

• for the payment of taxes, fees (duties), other obligatory payments to the budget, state target budget and extra-budgetary funds, rent for land plots in state ownership (to personal accounts opened in accounts of group 36, with the exception of payments to personal accounts, opened on balance sheet account 3632, 3633, 3636);
• to accounts opened with a bank when making payments between the accounts of a legal entity and (or) the accounts of its structural divisions that have a UNP that matches the UNP of the legal entity;
• between the accounts of the same individual entrepreneur opened with JSC Belagroprombank
• to bank accounts (except for customer accounts) opened with the bank;
• transfers of salaries and equivalent payments and other money transfers to individuals’ accounts opened with a bank;
• within one legal entity (including from its structural divisions (branches) with different UNP) when using the Cash-Pooling service.

18. For corporate bank payment cards issued (re-issued) within the framework of the «BUSINESS STYLE», «SMART», «SELF MADE» service packages without charging a fee (remuneration), the following operations are carried out:

• servicing of corporate bank payment cards (including reissue) issued by the bank (except for urgent processing);
• provision of SMS-informing services under the «XL» package.

20. The Bank has a righ to disconnect the client (without the client's request) from the service package in the following cases:

• the client's refusal to be connected to the RBSS, termination of the Agreement for RBSS usage (at the client’s or the Bank's initiative), and in case the Agreement for RBSS usage ceased to be in force.
• if the Bank possesses information on the initiation in respect of the client of proceedings on economic insolvency (bankruptcy), or on the client being in the liquidation process;
• the presence of overduepayments of the remuneration (fees) for cash and settlement services at the Bank.

The Bank disconnects the client unilaterally from:

• the date of closing all the client's bank accounts (at the initiative of the Bank);
• the date of closing all the bank accounts of an individual entrepreneur (due to the closure of business activities in accordance with the law);
• the date of re-registration of all bank accounts in Belarusian rubles by the legal successor (when re-registering the client's bank accounts during its reorganization, while preserving previously opened bank accounts).

The Bank has the right to unilaterally disconnect the client from the service package after receiving information from the state bodies authorized to maintain the Unified State Register of Legal Entities and Individual Entrepreneurs on the exclusion of the account holder from the said register. Information on the exclusion of the client from the Unified State Register of Legal Entities and Individual Entrepreneurs can be obtained from the information of the registration authorities, published monthly in the newspaper «Respublika» in accordance with the law, as well as from the information posted on the official website of the Ministry of Justice, the Ministry of Taxes and Duties, as well as from other sources provided for by the local legal acts of the Bank. For clients whose service packages are disconnected at the initiative of the Bank, no fee (remuneration) is charged in accordance with Clause 7 of Section 28.

21.1. no fee (reward) is charged:

• in case when clients receiving service under a service package (with a grace period) for more than 12 months;
• in case when clients connected to the service package (without providing a grace period) (except for the cases specified in subclause 21.2 of clause 21 of these Rugulations);

21.2. with the collection of a fee (reward) (in accordance with clause 7 of the transaction within the service package) subject to:

• servicing the client under a package of services (with a grace period) for up to 12 months (inclusive);
• servicing a client who has switched from the «SMART» service package (with the provision of the «SMART START» service package) to the service package (without providing a grace period) for up to 12 months (inclusive), including the total service period from the month of provision of the «SMART START» service package before the date of disconnection from the service package.

22. If the client fails to fulfill his obligations to pay the user fee after a month from the overdue debt date on the user fee, the bank has the right to suspend servicing the client under the service package and transfer him to servicing in accordance with the Fee Guide (except for the operations specified in subclause 2.1.2 clause 2, clause 5, subclause 6.1 of clause 6 of the service package) with the simultaneous suspension of services using RBSS.

Service under the service package (with the collection of a user fee for the service package) is resumed subject to full payment by the client of the overdue payment (reward) for cash settlement services in Belarusian rubles and (or) in foreign currency at the bank:

•     when repaying the debt on the first business day of the current month - from the 1st day of the current month;
•     when repaying the debt in the period from the second to the last business day of the current month - from the 1st day of the next month.

23. The client has the right to temporarily suspend service under the service package in connection with the suspension of transactions in RBSS, notifying the bank in writing about this by submitting an application (free form), including one provided using RBSS, indicating the period of temporary suspension, which is a full calendar month (months) and should not exceed the period for which operations in RBSS are suspended.

Suspension of service under the service package is carried out from the first day of the month following the month of submission of the application.

Resumption of service under the service package is carried out from the first day of the month following the month (months) in which service under the service package was suspended.

During the period of suspension of service under the service package, fees (remuneration) for banking transactions are paid in the amounts established by the current Fee Guide (except for the operations specified in subclause 2.1.2 of clause 2, clause 5, subclause 6.1 of clause 6 of the service package). The procedure for collecting fees (rewards) is carried out in accordance with the current (settlement) bank account agreement in Belarusian rubles.