Professional Documents
Culture Documents
i) Individuals/Joint Accounts/Proprietorship/Partnership
ii) MCB Privilege Customers
iii) MCB Burqraftaar Remittance Account and MCB Asaan Remittance Account
iv) Motherland Accounts
v) MCB Staff (Regular/Contractual/Retired/MCB Pensioner/MCB Non-Pensioner)
vi) OSPs (Outsource Services Providers)
vii) Pensioners (Other then MCB), Senior Citizens (with age of 65 years
or more ) & Physically Handicapped Persons
VII
2.5
2.5
The monthly average total relationship with the Bank should be equivalent
or above Pak Rupees 2.5 Million.
575
500/- 200,000
500/- 200,000
425/-
950/-
425/-
550/-
5,000/- 1,050
10,000/- 2,100 600/-
15,000/- 3,100 600/-
500/-
1150/- 770/-
18.75/-
- Monthly free limit of PKR 25000/- Per Account/Wallet
(No cap on IBFT number of transactions)
- Rs. 200 or 0.1% (whichever is lower) of the transaction 2.5/-
amount exceeding monthly free limit of Rs. 25000/- inclusive
of all applicable FED / Service Tax etc.
3,000/-
10
5
4
600/-
8,000
8
6
3.5
75,000/-
150
2,200
1,500
3030401090 1,850
3030401080
3030401080 2,000
1,500
6
1,500
3030401660
1,500
1,000
600
1,200
500
500
3060601130 2,400
1,500
1,000
50
75
75
1,000
3030401720 3030401720 1,000
3030401200 500
(for WBG Customers) Upto 1.20% of the finance amount. Deviation approval
of waiver or less recovery to rest with GH-WBG
1.20
Up to 1.20% of the finance amount. Deviation approval
of waiver or less recovery to rest with GH-WBG
3030101440 1.20
c) Pledge Monitoring Fee Up to 1% of the finance amount. Deviation approval 3030102510
of waiver or less recovery is to rest with GH-WBG
3060601130
3030102510 (Pledge) c
(Only for WBG Customers)
3060601130
A) WBG Customers
WBG
WBG (A
3030401600
3030401600
0.10
3030401610
B) 3030401610
For Renewal / Fresh Approval, Interim Enhancement (B
On off Requests (inclusive of ear-marking Facility),
Restructuring / Rescheduling Fee
0.05
0.10
500 1
2,000 5 1
3,000 5
5 5
10,000
400 1
700 5 1
1,500 10 5
2,500 10
300 5
500 5
500
500
5,000
7,500
4,000
1,000
1,500
2,000
1,500
5,000
3,000
10,000
3060601030 500
500
3 45
1,000 10
9 9
3050101500 3050101500 1,000
3050101500 3050101500 1,000
3050101500
3050101500 1,000
3050101500
3050101500 3050101500 1,000
3050101500 500
3050101500 39
10
8
6
5
4
3
3060601030
3030401010 10
3060601030 1,000
3030401010 500
3060601030
3060601030 500
viii) Bi Annual Account Statement Free
E
E
3030401030
3030401030
2,000
2,000
2,000
1,000
1,450
60
1450/-
60/-
3030401790
3030401790
1,200
50
150
150
3030401810
3030401810 300 100,000
350 500,000 100,001
Upto Rs. 100,000 Upto Rs.300
From Rs. 100,001 to 500,000 Upto Rs.350 500 1,000,000 500,001
Upto Rs.500 750 1,000,000
Upto Rs.750
500 200,000
Upto Rs. 500
Upto Rs. 0.18% (Min Charges 500/-) 500 0.18 200,000
3030501020
3030501020 500
500
250 6
(h)
G
G
3030401995 500
1,000
5,000
7,500
3030401130
50
500 50
1,000 500
1,000
200 500
25
3060601190
3060601190 500
J
J
10,000
50
10,000
50
10
50
20
20
20,000
15,000
500
100 5
400
25 5
350
4,500
4,500/- 6,500
6,500/- 10,000
12,000
2014 1 5,000
1 July 2014
250
600 400
8
- All Digital Transactions Free of cost
(including all transactions related to digital /
branchless / self service chanel / mobile / internet / MCB lite, etc.)
Branch banking over the counter transactions 90/- 3060601380 3060601380
Notes:
(a) In case the balance in a accounts below Rs. 50 available amount will be recovered as incidental 90
charges. The recovery on actual basis should be made inclusive of FED.
(b) No Service Charges for A/c maintenance will be recovered from dormant A/Cs till the period of 50
dormancy.
(c) BB accounts are also exempted from the recovery of these account maintenance charges.
(d) Following accounts are exempt from levy of Rs.50/- (or equivalent) p.m.
i) Accounts maintained by Employees of Govt/Semi-Govt. Institutions for Salary, Pension & 50
Benevolent Fund purpose including widows/ children of deceased employees eligible for family
pension / benevolent fund grant etc; in any manner whatsoever
ii) Mustahqeen Zakat
iii) Zakat accounts maintained for collection & disbursement of Zakat Funds
iv) Students
v) MCB Employees, their spouse and MCB retired staff getting pension in their MCB account, their
account will remain as "Staff" and all Basic Banking Accounts.
(f) No charges on conversion of existing accounts to Basic Banking Accounts (BBA) as per SBP
Instruction.
3060602030 140
Account Closing Processing Charges 2 2 3
Free 3060602030
Free
3060701090
8
(Water)
3060701090
15
16 3030401750 3030401130 15
100
3030401750 16
17 Collection Management System All charges for Collection Management will be decided on case 3030401130
for Credit Limits ( Running/Cash Finance) to case basis at the time of agreement with customer and the bank
18 Prize Money Charges At Actual 3030401130 17
MCB DEPOSIT PRODUCTS
Banking Services offered against all other MCB Deposit Products 18
(not mentioned below) will be charged as per SOBC
600
PKR. 600/- 3030102350 3030102350 600
PKR. 600/- 3030101600 3030101600 500
3060601030 3060601030
5 5,000 1,050
5 10,000 2,100
5 15,000 3,100
* Terms and Conditions Apply. Minimum charges as prescribed in SOBC for Bundled service charge will apply
50% waiver from actual charges will be applied on the following services; S
Cross branch transactions (Intercity / Online Banking)
Bankers Cheque (PO & DD)
Issuance of cheque book (new or in lieu of lost)
Small size locker (One per customer max, subject to availability).
Mobile banking annual fee
Visa Silver/Visa Gold Plus Card.
(a
1 T
1
2
3030101290 2
3030101290 35
1 U
3030301090
3030301090 1
From 4th transaction onward Rs 25 will be
charged for each cash withdrawal made through cheque.
25
V
V
1
3060701110 3060701110
15
6 50
Charge will apply
Annual / Renewal Fee will be charge as per the related visa debit / credit card sections.
1150 770
370
1100
370 3.4
145
2.5
3030401820
- Monthly free limit of PKR 25000/- Per Account/Wallet 3030401820
(No cap on IBFT number of transactions)
- Rs. 200 or 0.1% (whichever is lower) of the transaction
amount exceeding monthly free limit of Rs. 25000/-
inclusive of all applicable FED / Service Tax etc.
15
0.125
0.125
100,000 1
1,000,000 100,001
1,000,000
1000 600
1000 600
1000 600
3030101830 3030101830
370
3030102400 2.5
3030102400
2.5
0.125 0.125
100,000 1
1,000,000 100,001
1,000,001
370
1100
600
370 3.40
145
3030102400 3030102400 2.5
3030201120
3030201120 2.5
18.75
60
1
0.125
0.125
100,000 1
1,000,000 100,001
1,000,000
370
1,100
600
3030102400 2.5
3030102400
3030201120 2.5
3030101620 18.75
3030201120
3030101620
2.4
60
1
0.125
0.125
100,000 1
1,000,000 100,001
1,000,000
0.125
1
0.125
100,000 1
1,000,000 100,001
1,000,000
Free
- Monthly free limit of PKR 25000/- Per Account/Wallet
(No cap on IBFT number of transactions)
- Rs. 200 or 0.1% (whichever is lower) of the transaction
amount exceeding monthly free limit of Rs. 25000/-
inclusive of all applicable FED / Service Tax etc.
1
0.125 2
0.125
100,000 1
1,000,000 100,001
1,000,000
15
500
1,100
370
2.4
145
3.40 370
2.5
18.75
770 1,150 1,100 800 1,300 1,350 1,450 4,200 600 1000
850 800 800 800 1,700
1,100 800 1,300 1,350 1,450 4,200 600 1000
1,100 800 1,300 1,350 1,450 4,200 600 1000
9,500 4,800 3,000
35
500
36
2.5 400
40
3.33
3010402920 40
3010402920 3.33
1,500
750
3
3030101830 300
900
3030101830
3050101160 0.70
3050101160
600
300
200
355
75
3050101340
2.5 450
5 1,000
2.5 450
5 1,000
5 1,000
500
700
3050101280 1,000
3050101280
3030101820 3.00
3030101820
1.5
2.5 400
5 1,000
3030102040
800
800
600
600
400
300
25,000
25,000
5 200 01
10 500 201
20 1000 501
45 2500 1001
65 4000 2501
85 6000 4001
105 8000 6001
125 10000 8001
145 13000 10001
165 16000 13001
185 20000 16001
225 25000 20001
0.125
0.125
b) IBFT Fee Sending (ATM ) - Monthly free limit of PKR 25000/- Per Account/Wallet
(No cap on IBFT number of transactions)
- Rs. 200 or 0.1% (whichever is lower) of the transaction
amount exceeding monthly free limit of Rs. 25000/-
inclusive of all applicable FED / Service Tax etc.
15 Upto Rs. 370/- (local) & Rs. 1,100/- (International) per document
Upto US$ 600/- or equivalent 14
16 3060601030
17 Upto 18.75
18 2.40% on foreign transaction after conversion into 370 3.40
US$ and then billed into PKR to the customer inclusive
of visa charges and statement/currency conversion loss 1,100 370 15
against foreign transaction
3060601030 600 16
19 Rejected E-Commerce Transaction Upto PKR 60/- per Transaction 35 17
I 2.40 18
a) Merchant Discount Rate (MDR) Up to 2.50% of Transaction Value + Tax on Service 3030301010
Charges
E-COMMERCE (E-Gate Services)
a) One Time Setup Fee (At the time of on Boarding) Up to Rs. 40,000/- per merchant ID 3030401840 60 19
b) Monthly Fee Up to Rs. 5,400/- per month per merchant ID 3030301850
c) Per Transaction Charges Up to Rs. 25/- per successful transaction 3030301860 I
d) Per Transaction Charges for real time Upto Rs. 5/- for selected high risk merchants only 3030301860
transaction Monitoring (Applicable to E-Gate only) (Risk level to be determined by MCB Bank at the time 3030301010
on onboarding and/or at any time while merchant 2.50
relationship is active)
e) Merchant Discount Rate (MDR) Up to 3.50% of Transaction Value + Tax on Service 3030301010 3030401840 40,000
Charges 5,400
3030301850
3030301860 25
3030301860 5
3030301010 3.50 e
3060601140
3060601140 0.05 70,000
3,500
3060601140 0.30
3060601140
3060601140
3060601140 0.40
3060601140 3,000
3060601140 5,000
3060601140 1,000
3060601140 3060601140 300
3060601140
3060601140
3060601140 35
3060601140 3060601140 5
3060601140 3060601140
3060601140
3060601140 0.05 70,000
3060601140 5,000
3060601140 3060601140 0.30
3060601140
1,000 1,000
K
K
(a)
Rs. 3000/- 3530101340
is higher (applicable upon utilization of loan). 3530101340 3,000
3560702030
3560702030 10
5
For the purpose of imposition of prepayment
fees, the 2nd/onward years fee will be applied 4
after completion of each calendar year from
the date of disbursement.
Note: Above charges do not apply to Free PPC variant
Upto Rs.600/- 3030101350 3030101350
600
500
500
4040110050 4040110050
Issuance of duplicate NOC Upto Rs. 1,000/- 3560601030 3560601030 1,000
ix Auto Debit Rejection Fee Upto Rs. 500/- per instance 3560601030 3560601030 500 ix
b) Secured Personal Loan (b)
Processing Fee Upto Rs.3,500/- or 1% of loan amount whichever is higher 3530101340 3530101340
3,500
ii) Vehicle Appraisal charges for new applicant At Actual (The actual amount charged by the appraisal
(Third party payment) agency).
iii) Income estimation charges for self-employed At Actual
(Third party payment)
5
3rd year and subsequent years of financing
For the purpose of imposition of prepayment fees, the 4
2nd/onward years fee will be applied after completion
of each year from the date of ?rst disbursement. 3
Note: Above charges do not apply to Free PPC variant
5
*Applicable to the amount prepaid less than 5%
or greater than 20% of the outstanding amount. 4
20 5 *
For the purpose of imposition of prepayment fees, *Applicable to the amount prepaid less than 5%
the 2nd/onwards years fee will be applied after or greater than 20% of the outstanding amount. 3
completion of each year from the date of first
disbursement. 20 5 *
*Partial prepayment may be made only twice in a
twelve (12) months period with a gap of at least six
(6) month with a minimum sum of 5% and a
maximum combined sum of 20% on zero
prepayment charge - and any subsequent partial 20 5
prepayment, irrespective of the amount will attract
prepayment penalty as mentioned above.
Note: Above charges do not apply on Free PPC
variant.
4,000 (ix
ix) Loan Enhancement Fee Rs. 4,000/- per enhancement 3030101170 3030101170
x) Auto Debit Rejection Fee Upto Rs. 1,000/- per instance 3560601030 3560601030 1,000
8
6
3.5
xiv) Documentation retreival charges Upto Rs. 2,000/- 3560601030 3560601030 2,000 v
v
(beyond 6 months post maturity) 3560601030 1,000
xv) Issuance of Duplicate NOC Upto Rs. 1,000/- 3560601030 1,000 v
xvi) Auto Debit Rejection Fee Upto Rs. 1,000/- per instance
(h)
(h) MCB Fleet 4U
I) Processing Fee All vehicle types. 0.5% of the finance amount or 3530102380 3530102380 5,000 0.5
Minimum PKR 5,000/-,whichever is high.
ii) Vehicle Appraisal charges for new applicant At Actual (The actual amount charged by the appraisal agency).
(where applicable) (Third party payment)
iii) Income estimation charges for self-employed At Actual
(Third party payment)
3560703030 8
iv) Full/Partial Prepayment Fee: 3560703030
1st Year Upto 8% of principle amount prepaid 6
2nd Year Upto 6% of principle amount prepaid 3.5
3rd Year and all subsequent years of financing Upto 3.5% of principle amount prepaid
Note: For the purpose of imposition of prepayment fees, the 2nd/onward years fees will be applied after completion of
each calender year from the date of disbursement. Maximum 2 partial prepayments are permissible in a year and the
minimum amount for a partial prepayment should be equal to 6 monthly instalments. 3060601030 500
v) Balance confirmation certificates Upto Rs.500/- 3060601030
(required by customer other than auditors)
vi) Duplicate half yearly statement Free 3060703020 2,000
vii) Late payment charges Per late installment Upto Rs. 2,000/- 3060703020 75,000
viii) Vehicle Repossession charges (Third party payment) At Actual or PKR 75,000/- whichever is lower 4040124580 5,000
ix) Repossessed Vehicle appraisal charges per At Actual or Rs. 5,000/- whichever is lower 4040124580 4040110010
instance if applicable(Third party payment)
4040124580 5,000
x) Legal charges in case of repossession (Third party payment) At Actual 4040110010
xi) Repossessed Vehicle Parking/warehouse charges Upto Rs. 5,000/- Per Instance 4040124580
xii) NOC for lien removal after 1 month of case settlement Free
xiii) NOC for issuance of Duplicate Registrations Book Free
xiv) Documentation Retreival Charges Up to PKR 2,000
3060601030 2,000 (x v
3060601030
(beyond 6 months post maturity) (I)
(I) Instant Cash Product
3060601440 2,500 5,000
Processing fee Upto: Rs. 5,000/- Minimum Rs. 2,500/- 3060601440
3060601430 2,000
Annual fee (Renewal fee) Rs. 2,000/- 3060601430
Late payment fee Rs. 1,000/- 3030102210 3030102210 1,000
50
75 50
100 75
150 100
150
2,000
2,000
1,500
5,000
1,500
1,500
1,500
1,500
1,500
1,200
75
100
1,500
25
2,000
1,000
50
1,000
1,200
1,500
1,000
3030401700
3030401700
75
100
250
2,000
800
1,000
23 Bank to Bank EIF Transfer Upto Rs. 500 per transaction
500 23
24 EIF approval charges against import on Upto Rs. 500 per transaction
open account basis against which payment 500 24
is not to be made
25 Others
25
WEBOC EIF Upto Rs 100/- Per EIF 100
FOC WEBOC EIF Upto Rs 500/- Per EIF
500
Processing of Further Transactions for Upto Rs 500/- Per Transaction
Importers having Pending IAPs 500
50 1,200
500
1,000
2,000
5,000
1,500
1,000
1,000
500
(a) Duty draw back claim Upto Rs. 0.25% per case
Upto Rs. 250/-
250
250
250
80
250
1,500
2,000
(h) Handling of DLTL cases 0.25% on DLTL claim above Rs. 100,000/-, and / or
1,000
Rs. 250/- Flat where claim below Rs. 100,000/-
(h)
1,500
250
1,200
3030401110
1,000
8 Bank to Bank transfer of electronic form E Rs. 500/- per transaction 500 8
(EEF) in WeBOC
9
9 Others
100
WEBOC EFE Upto Rs 100/- Per EFE
500
FOC WEBOC EFE Upto Rs 500/- Per EFE
Processing of Further Transactions for Upto Rs 500/- Per Transaction 500
Exporters having Pending EAPs
15 50
30
3 1,000
1,000
6
3
In Addition to above commission / correspondent bank charges at actual if any / service charges /
recovery of courier / postage / fax / swift charges also be made according to prescribed tariff
wherever applicable
400
In Addition to above commission / correspondent bank charges at actual if any / service charges /
recovery of courier / postage / fax / swift charges also be made according to prescribed tariff
wherever applicable
1500
3060601010
3060402030
3060402030
3060602030
3060602105
3060601030 30
100
3060601360
6
3060601360
3060601350
3060601350
50
3030401810 500
3060602070 350
3060602070 500
15
30
5 3030401810
3060601030 1,200 6
7 3030401350 3030401350 500 7
5 0.15 8
8 0.15% Minimum US$ 5 whichever is higher along with
applicable courier charges & Correspondent Bank charges
at actual
9 3030401010 3030401010 100 9
10
3030401010 3030401010 10
300
100
450
200
11
1,000 11
3
MCB Burqraftaar Remittance Account
and MCB Asaan Remittance Account
PayPak Gold and PayPak Classic Debit Cards are free
with MCB Burqraftaar Remittance Account and 50
MCB Asaan Remittance Account
4 4
20
1,000
2,000
U
Usance Bills drawn against LC-LCY 5
Usance Bills drawn under letters of credit 36
Usance/DA bills negotiation drawn under LCs 6
Utility Bill Payment 24
V
Visa Debit Card 22
Voucher Retrieval Fee Visa Credit 26
W
Wallet Annual Fee Lite 27
Wallet Debit Card 27
Wallet Opening Fee Lite 27
WEBOC EIF 36
Withdrawal Fee 29
Withdrawal fee on Government Securities 14
Withdrawal fee on shares and securities 14
Within city deposit/Withdrawal/fund transfer 12
X
Y
Z