Solarisbank.
de
List of Prices and Services
This List of Prices and Services applies for certain services within the contractual relationship between Solarisbank and
the customer.
The prices for basic services in connection with the customer's account management are agreed between the cooperation
partner of Solarisbank and the customer. As the case may be, the cooperation partner of Solarisbank may release the
customer of positions listed in this List of Prices and Services or allows the customer drawing limits that diverge from the
limits listed in this List of Price and Services. The contract between the customer and the cooperation partner of
Solarisbank is decisive for this.
1. GENERAL INFORMATION ABOUT THE BANK...................................................................................... 2
2. DEPOSIT FEE ............................................................................................................................................. 3
A. GENERAL PROVISION ..........................................................................................................................................3
B. AMOUNTS OF EXEMPTION AND FEES ..................................................................................................................4
3. OVERDRAFT............................................................................................................................................... 5
4. PRICES FOR SPECIAL SERVICES IN BUSINESS TRANSACTIONS WITH CUSTOMERS ............... 6
TRANSACTIONS ...............................................................................................................................................................6
SHIPPING SERVICES .........................................................................................................................................................6
SPECIAL SERVICES ..........................................................................................................................................................6
CARD TRANSACTIONS DOMESTIC AND ABROAD BY PRIVATE CLIENTS .............................................................................7
CARD TRANSACTIONS DOMESTIC AND ABROAD BY BUSINESS CLIENTS........................FEHLER! TEXTMARKE NICHT DEFINIERT.
5. PRICES FOR SPECIAL SERVICES IN RELATION TO VIVID MONEY .................................................. 8
6. CUT OFF- AND EXECUTION PERIODS ................................................................................................. 10
EXECUTION PERIOD FOR PAYMENTS AS A RESULT OF CARD TRANSACTIONS MADE BY THE CUSTOMER ........................10
EXECUTION PERIODS FOR TRANSACTIONS WITHIN THE EURO ZONE..............................................................................10
Version: 2.7, Effective: 16.02.2022 1/10
Solarisbank.de
1. General Information about the Bank
Name and address of the Bank Solarisbank AG
Cuvrystraße 53
10997 Berlin, Germany
Communication with the Bank Inquiries from the customer should generally be addressed to the
cooperation partner who has arranged the customer relationship
with the Bank.
The Bank shall communicate the relevant addresses or other
communication addresses of the Bank for the business relationship
separately.
Internal complaints office within The customer may lodge a complaint with the following contact
the Bank points of the Bank:
Solarisbank AG
Customer Support
Cuvrystraße 53
10997 Berlin, Germany
E-Mail: [email protected]
Competent supervisory Europäische Zentralbank
authority Sonnemannstraße 20
60314 Frankfurt am Main
Bundesanstalt für Finanzdienstleistungsaufsicht
Graurheindorfer Straße 108
53117 Bonn, Germany
and
Marie-Curie-Str. 24-28
60439 Frankfurt am Main, Germany;
Internet: www.bafin.de
Entry in the Commercial Register The Bank is registered in the commercial register of the
Charlottenburg District Court (Amtsgericht) under the commercial
register number HRB 168180 B.
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Solarisbank.de
2. Deposit Fee
a. General Provision
Insofar as the Euro-denominated current accounts, overnight money accounts or subaccounts (excluding
savings deposits) of the account holder show a credit balance, the Bank shall hold this credit balance in safe
custody on behalf of the account holder. The Bank shall be entitled to charge a deposit fee for this safekeeping
of deposits on current accounts, overnight money accounts or subaccounts in accordance with the following
provisions. This price component applies to private and business accounts. For private accounts it only
applies to accounts opened on or after 01.02.2020 or for which a deposit fee has been expressly agreed
separately.
All customers benefit from an amount of exemption. An amount of exemption is an amount that reduces the
calculation basis. If the amount of exemption is exceeded, interest is not calculated on the entire balance but
only on that part of the balance that exceeds the amount of exemption.
Up to an amount of exemption specified in section 2.b no deposit fee is charged (general amount of
exemption). For customers who have opened accounts through certain cooperation partners of Solarisbank,
an amount of exemption different from the general amount of exemption may apply, as shown below in section
2.b (amounts of exemption for certain cooperation partners).
To determine whether such relevant amount of exemption has been reached, the amount of all current and
deposit accounts (including overnight money accounts or subaccounts but excluding savings deposits) are
added together. The credit balance is determined on the basis of the daily end-of-day balance, which is
determined without error. The end-of-day balance includes all account movements valued by the end of the
respective day in accordance with the value date regulations. If the relevant amount of exemption is
exceeded, a deposit fee is charged on the deposits exceeding the relevant amount of exemption.1 Unless
otherwise agreed, the amount of the relevant deposit fee for these services is determined by this List of
Prices and Services.
If a fee for account management has been agreed, this shall not be affected by the deposit fee. If a current
account, overnight money account or subaccount is overdrawn, the account holder may not derive any claims
against the Bank from this. The deposit fee shall be paid by debiting the account for which the deposit fee is
due.
1
The fees are variable and are based on prevailing market conditions and can be adjusted.
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Solarisbank.de
b. Amounts of Exemption and Fees
General Amount of Exemption
Unless customers have opened their account through one of the cooperation partners listed below under
"amounts of exemption for certain cooperation partners", the following rule shall apply to the custody fee: For
balances on current accounts, overnight money accounts or subaccounts, a deposit fee of 0.5% p.a. on the
deposits exceeding the general amount of exemption shall be charged for the custody of the deposits if the
total amount of all current accounts and deposit accounts (including overnight money accounts and
subaccounts but excluding savings deposits) exceeds EUR 250,000 for private customers and EUR
100,000 for business customers (general amount of exemption).2
Deposits3 below EUR 250,000 free of charge (for private accounts)
Deposits3 below EUR 100,0003 free of charge (for business accounts)
From deposits3 of EUR 250,000 for the credit balance above this amount 0.5%
p.a. (for private accounts)
From deposits3 of EUR 100,000 for the credit balance above this amount 0.5%
p.a. (for business accounts)
Amounts of Exemption for certain Cooperation Partners
For customers who have opened their account through the following cooperation partners of Solarisbank, the
following amounts of exemption apply in deviation from the general amount of exemption (amounts of
exemption for certain cooperation partners):
Tomorrow GmbH 4
Deposits3 below EUR 50,000 free of charge
Deposits3 of EUR 50,000 for the credit balance above this amount 0.5%
p.a.
2
For private customers this price component only applies to accounts opened after 01.02.2020 or for which a deposit fee has been
expressly agreed separately.
3
On current accounts and deposit accounts (including overnight money and subaccounts but excluding savings deposits).
4
For Tomorrow customers, this price component applies only to accounts opened on or after 01.11.2021 or for which a corresponding
deposit fee has been expressly agreed separately. For accounts opened between 01.02.2020 and 01.11.2021, the above-mentioned
general amount of exemption applies.
Version: 2.7, Effective: 16.02.2022 4/10
Solarisbank.de
3. Overdraft
If customers who have opened their account through the following cooperation partners of Solarisbank are
granted a tolerated or granted overdraft, the following debit interest rates apply:
Penta Fintech GmbH
Granted overdraft 9.9% p.a.
Tolerated overdraft 13.5% p.a.
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Solarisbank.de
4. Prices for Special Services in Business Transactions with Customers
Transactions Price
Express transactions (PRIOR1)5 EUR 10.00
Shipping services Price
Fixed rate for shipping EUR 3.00
Shipment of account statement EUR 3.00
Special Services Price
Issue of tax certificate complimentary
Issue of certificate o floss (on demand) complimentary
Issue of an account confirmation EUR 10.00
Legitimate refusal to redeem an authorized direct debit due to EUR 1.00
insufficient account balance
Arrears fee per dunning letter6 EUR 5.00
Table of proceeds EUR 10.00
Issue of duplicates EUR 10.00
Change of transaction7, call back of transaction6, per transaction EUR 10.00
Pledging EUR 10.00
Bank inquiry – domestic EUR 10.00
Bank inquiry – abroad EUR 10.00
Additional conformation of balance EUR 10.00
Account blocking EUR 10.00
Hourly rate for individual processing EUR 50.00
(especially inquiries, processing of legacy, address inquiry)8
5
The fee will not apply for bookings not initiated by the customer.
6
The customer reserves the right to prove that in each individual case no or only minor damage was caused.
7
The fee will only apply after the delivery of the transfer order at Solarisbank and only if Solarisbank is not responsible for the
circumstances leading to the change/ call back of the transaction.
8
The fee will only apply if Solarisbank is not responsible for the circumstances leading to the individual processing.
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Solarisbank.de
Card transactions domestic and abroad by private clients
The applicable limits on card transactions will be included in the terms and conditions of the respective
cooperation partner or can be set by the Customer in the Frontend if this feature is offered by the
cooperation partner.
Card transactions domestic and abroad by business clients
The applicable limits on card transactions will be included in the terms and conditions of the respective
cooperation partner or can be set by the Customer in the Frontend if this feature is offered by the
cooperation partner.
Version: 2.7, Effective: 16.02.2022 7/10
Solarisbank.de
5. Prices for Special Services in relation to Vivid Money
Type of subscription Free version Premium version
Monthly account management fee EUR 0.00 EUR 9.90
Issue of physical Vivid card EUR 0.00 for first card EUR 0.00 for first card
EUR 9.90 for each additional EUR 9.90 for each additional
card card
Issue of virtual Vivid card EUR 1.00 EUR 0.00 for first card
EUR 1.00 for each additional
card
Reissue of physical Vivid card9 EUR 0.00 for one card every EUR 0.00 for one card every 6
12 months months
EUR 9.90 for each additional EUR 9.90 for each additional
card card
Reissue of virtual Vivid card10 EUR 0.00 for 5 cards every EUR 0.00 for 10 cards every
month month
EUR 1.00 for each additional EUR 1.00 for each additional
card card
Delivery of physical Vivid card EUR 9.90 for Standard delivery EUR 9.90 for Standard
delivery
EUR 24.90 for Express
delivery EUR 24.90 for Express
delivery
Cash withdrawal First 200 EUR per month can First 1,000 EUR per month can
be withdrawn for free but only be withdrawn for free but only
if the amount of withdrawal is if the amount of withdrawal is
no less than 50 EUR. In case no less than 50 EUR. In case
the withdrawal amount is less the withdrawal amount is less
than 50 EUR a fee of 3% of the than 50 EUR a fee of 3% of the
withdrawal amount (but not withdrawal amount (but not
less than 1 EUR) is applied . less than 1 EUR) is applied .
Once 200 euros per month has Once 1.000 euros per month
been withdrawn, the same fee has been withdrawn, the same
will be charged for any amount fee will be charged for any
above that. amount above that.
Monthly „Booster Campaign“11 EUR 4.90 EUR 2.90
9
The Fee will only apply if the reissue of the physical Vivid Card was caused by circumstances for which the Customer is responsible
and the Bank is not legally obliged to reissue a physical card.
10
The Fee will only apply if the reissue of the virtual Vivid Card was caused by circumstances for which the Customer is responsible and
the Bank is not legally obliged to reissue a virtual card.
11
Customers can choose to add various "Booster Campaigns" via the User Interface, e.g., additional cash withdrawals for the one-time
costs mentioned above. The respective "Booster Campaign" is active until the end of the month.
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Solarisbank.de
Exchange rate for non-EUR card The exchange rate for executing non-EUR card transactions and
transactions and the purchasing of purchasing non-EUR currency consists of
foreign currency
- the base exchange rate and
- a mark-up applied.
The base exchange rate is based on exchange rates provided by
Morningstar Real-Time Data Limited, London, which are where
available based on ECB exchange rates. For card transactions
the base rate is based on the VISA exchange rate. In all cases the
base exchange rate is calculated in real-time. It always reflects
the rates applicable at the time of the transaction.
The mark-up applied is 0.5%. For purchases of a currency it can
be increased up to 1% in cases where the purchase happens
outside of the relevant foreign exchange market’s working hours.
When purchasing non-EUR currency, the client can see the exact
exchange rate before executing a purchase. For card
transactions the exchange rate will be visible on the account
statement. The exchange rate can also be accessed under
https://vivid.money/en-de/fx-calculator.
A list of non-EUR currencies which clients can purchase is available in the User Interface of Vivid Money
at https://mobile-static-prod.px019.net/docs/vividmoney/en-de/currencies.pdf
Version: 2.7, Effective: 16.02.2022 9/10
Solarisbank.de
6. Cut Off- and Execution Periods
Execution period for payments as a result of card transactions made by the
customer
Solarisbank is obliged to ensure that the card payment amount reaches the beneficiary’s payment
services provider at the latest by the end of the following periods:
Card payments in euro within the European Economic Area (EEA)1 max. 3 business days*
Card payments within the EEA1 in EEA currencies other than max. 3 business days*
EUR 2
Card payments outside the EEA1 The card payment is processed as
quickly as possible.
*
“Business day“ is any day on which the payment service provider involved in the execution of a payment transaction carries out the
business operations required for the execution of payment transactions. Solarisbank carries out the business operations required for
the execution of payment transactions on all working days in the federal state of Berlin, with the exception of: Saturdays, Christmas Eve
(24 December) and New Year’s Eve (31 December).
1
The European Economic Area is currently composed of the EU member states:
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France (including French Guiana,
Guadeloupe, Martinique, Mayotte, La Réunion), Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta,
the Netherlands, Poland, Portugal (including the Azores and Madeira), Romania, Slovakia, Slovenia, Spain (including the Canary
Islands), Sweden, together with
- Liechtenstein, Norway and Iceland.
2
The following currencies are currently EEA currencies: Euro, Bulgarian Leva, Czech Koruny, Danish Kroner, Hungarian Forint,
Icelandic Kronur, Estonian Kroon, Croatia Kuna, Norwegian Kroner, Polish Zlotych, Romanian Lei, Swedish Kroner.
Execution periods for transactions within the Euro zone
Cut-off time by 2:30 p.m. on bank business days*.
Execution period† The bank is obliged to ensure that the transfer amount is received by the payee’s
payment service provider within one business days* at the latest.
*
“Business day“: see above
†
The execution period starts with the end of the bank business day on which the transaction order is placed at Solarisbank within the
cut-off time, insofar as the requirements set out in the Terms and Conditions for Credit Transfers are being met.
Version: 2.7, Effective: 16.02.2022 10/10
