Price List - International Transactions

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Related Information:

Effective from 15 September 2009

If a price is not given for a service you wish to use, please ask us and we will give you all the details you need.

**Bureau de Change**
Sales
Foreign currency notes	0.5% of value issued (minimum £3.00 maximum £30.00)
Purchasing
Foreign currency cheques/notes	0.5% of value purchased (minimum £3.00 maximum £30.00)
Unpaid foreign cheques	£12.50 per cheque
Foreign currency exchange	(e.g. notes for drafts, cheques for drafts, cheques/drafts for notes
Same currency	2.0% of value exchanged (minimum £3.00 + the relevant sales item charge)
Different currency	Sales charges only apply

**Drafts Issued**
In sterling drawn on:
First Trust Bank	£10.00
London	£12.00
In euro:	£14.00
In foreign currency	£16.00
Drafts - Stop payments	£8.50
Stop or re-issue Euro/Foreign Draft	£10.00

**Payments**
Outgoing
CHAPS	£25.00
International in foreign currency or sterling:
Standard	£25.00
Urgent	£30.00
Stg £ payments to AIB Bank beneficiaries	£15.00
Euro payments to AIB Bank beneficiaries	£10.00
Incoming
CHAPS	£6.00
International
First Trust Bank customers	£6.00
Non First Trust Bank customers	£15.00

The Charge for incoming international and CHAPS payments of £100 and under is £2.00. No commission is charged on inward international payments generated by other AIB Group locations.

**Inward payment**
Inward payment fax advice service	£2.00 per advice
Investigations
Tracers	£10.00 per item

Administration Fee	An administration fee may be charged where the Bank incurs additional costs.
Collections Inwards - Whether Paid or Unpaid
Cheques	0.2% (minimum £10.00 maximum £40.00 per cheque)
Clean and Documentary	0.25% of value (minimum £25.00 maximum £85.00)
Guarantee Customers'Acceptance of Term Drafts	Subject to arrangement (minimum £50.00)
Outwards - Whether Paid or Unpaid
Cheques	0.1% (minimum £20.00 maximum £40.00 per cheque)
Clean and Documentary	0.25% of value (minimum £25.00 maximum £85.00)
Guarantees
Bid, Performance and Advance Payment Bonds, Standby Letters of Credit etc.	Subject to arrangement (minimum £100.00 per quarter)
Indemnity for Missing Bill of Lading	0.25% per quarter (minimum £25.00)
Documentary Credits Outgoing (Import)
Issuance	0.25% (minimum £50.00) for each 3 months, or part thereof, on the value of the Credit outstanding at the start of each 3 month period
Amendment	£30.00 (except where the Credit value is increased, in which case the Issuance charge applies)
Pre-advice	No charge
Acceptance (Where a Credit Calls for Term Draft or Deferred Payment)	1.5% per annum (minimum £30.00)
Payments	0.25% of value (minimum £30.00)
Incoming (Export)
Advising or Passing Forward (Without Adding our Confirmation)	£30.00
Pre-advice	No Charge
Amendment	£30.00 (except where amount is increased on a Confirmed Credit in which case the Credit Confirmation charge is applied)
Payment/Negotiation	0.25% of value (minimum £50.00)
Credit Confirmation, Acceptance, Bill Discounting	Subject to arrangement (minimum £50.00)

**Treasury**
Foreign Exchange
Exchange Commission	Free of Commission
Forward contracts Setting up, extending or cancelling	Free of Commission
Quotations:
Historic rates	£20.00 per request plus VAT
For cancellation of Fixed Rate Loan	£30.00 per request plus VAT
Break Fixed Deposit	A charge may apply to withdraw funds prior to the maturity of a Fixed Deposit as described in the applicable Terms and Conditions for Fixed Deposits

**Miscellaneous**
Arrangement Fee
An arrangement fee may be charged for the provision of facilities by International Banking Services.
Reports
Trade Enquiries and Status Reports £10.00 plus VAT per item

Agents' Charges

Agents' Charges which vary from bank to bank are payable by First Trust customers in certain instances, for example, Draft Stop Payments, Trade Finance transactions and where the customer opts to pay beneficiary bank charges when requesting an international payment or where BIC and IBAN is not quoted on a request for a cross-border payment to another European country.

Excess/Unauthorised Debit Interest

Accounts with agreed overdraft limit

Currency Hold Accounts
When an agreed overdraft limit is exceeded, an interest rate comprising of the First Trust Bank Currency Hold Account Base Rate for the relevant currency, plus 10% per annum may apply in respect of the excess borrowing, calculated on the difference between the limit and the cleared balance and in the case of accounts with expired limits, to the overdrawn cleared balance. The current level of the First Trust Bank Currency Hold Account Base Rate for the relevant currency is available on request from International Banking Services, First Trust Bank.

Accounts with no agreed overdraft limit

Currency Hold Accounts
When a Currency Hold Account with no agreed overdraft limit becomes overdrawn, an interest rate comprising of the First Trust Bank Currency Hold Account Base Rate for the relevant currency, plus 10% per annum may apply in respect of the borrowing. The current level of the First Trust Bank Currency Hold Account Base Rate for the relevant currency is available on request from International Banking Services, First Trust Bank.

**Expenses**
Bureau de change, Drafts issued, CHAPS, International payments, and Account Transactions do not normally attract any out-of-pocket expenses additional to the charges listed in this Price List
Communications (SWIFT, telephone, facsimile, e-mail)	Variable (minimum £6.00)
Courier	At cost (minimum £35.00)
Postage	At cost (minimum £1.00)

Information

Further information about the charges listed or the services to which they relate may be obtained from your local First Trust Bank branch. All charges are subject to change in the future.

To ensure that we carry out your instructions accurately and to help improve our service, we may monitor and/or record telephone conversations with Treasury and International Banking Services.

First Trust Bank
International Banking Services
PO Box 123
First Trust Centre
92 Ann Street
Belfast
BT1 3AY

Telephone    (028) 9032 5599
Facsimile      (028) 9032 7067
SWIFT        FTBK GB 2B

First Trust Bank is a trademark of AIB Group (UK) p.l.c. (a wholly owned subsidiary of Allied Irish Banks, p.l.c.), incorporated in Northern Ireland. Registered Office, 4 Queen's Square, Belfast, BT1 3DJ. Registered Number, NI 18800. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. First Trust Bank is covered by the Financial Services Compensation Scheme, established under the Financial Services and Markets Act 2000.

First Trust Bank subscribes to the Lending Code and is covered by the Financial Ombudsman Service. Details of the Lending Code are available on request from any First Trust Bank branch or from the Lending Standards Board.

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