Table of Commissions and Fees for Corporate

Banking Customers

Effective as of 08 January 2024

1. Whenever this Table of Commissions and Fees refers to:
- the “Bank”, without any more specific description, it shall mean “BNP Paribas Bank Polska S.A.”
- “Regulations for lending activities”, it shall mean the Regulations for lending and collateral activities for corporate banking customers and small
and medium-sized enterprises
- “Terms and Conditions for Bank Accounts”, it shall mean the Terms and Conditions

2. Value of a foreign currency is determined based on the mid rate published by the National Bank of Poland on the transaction execution date or the claim maturity date.
3. All fees and commissions are net amounts and if VAT is imposed on a given service, the amount of the fee/commission shall be increased by the applicable VAT pursuant
to the applicable legislation.

I. SERVICE AND MAINTENANCE OF BANK ACCOUNTS

1. General fees and commissions
NO. Commission/fee title Commission/fee rate
Maintenance of a current account (monthly fee)
1. The fee applies from the month following the opening of the PLN 150
account any account in PLN or in a foreign currency
Maintenance of each auxiliary account (payroll, subsidy, foreign
2. currency, special funds) – monthly fee PLN 120

3. Automatic topping up a payroll account (monthly fee) PLN 50

Opening of bank accounts

4.
in the process of establishing a relationship for a non-resident PLN 500

in the process of establishing a relationship for a resident PLN 0

5. Maintenance of the first non-resident account (monthly fee) PLN 400

6. Maintenance of a subsequent non-resident account (monthly fee) PLN 200

7. Closing of each account (at the Customer’s request) PLN 100

Opening of subsequent bank accounts otherwise than through GOonline Biznes (the fee to be charged per request regardless of the
8. number of accounts) PLN 150
Fee applies to accounts for which opening application is available in Goonline Biznes

9. Maintenance of a package of current and auxiliary accounts (a monthly fee for up to 5 accounts) PLN 250

2. Trust accounts, escrow accounts, residential escrow accounts

NO. Applicable to accounts
Commission/fee title with an option to apply for account opening via online banking. Commission/fee rate
1. Maintenance of a trust (escrow) account As per the agreement
2. Maintenance of a housing trust account As per the agreement
Acknowledgement by the Bank of the assignment of rights related to a Purchaser's Individual Account to a bank financing the
3. As per the agreement
Purchaser and issuance of a respective statement

3. Accounts for Payment Service Providers

NO. Commission/fee title Commission/fee rate

1. Opening of the first bank account for a payment service bureau, a small payment institution PLN 4,000
2. Opening of the first bank account for a payment institution, electronic money institution or their branches PLN 8,000
3. Maintenance of a current account in PLN/foreign currency for a payment service bureau, a small payment institution (monthly fee) PLN 1,000
Maintenance of a current account in PLN/foreign currency for a payment institution and electronic money institution or their
4. PLN 1,800
branches (monthly fee)

4. Service of account balances management

NO. Commission/fee title Commission/fee rate
Balances Management, including cash pool: account, balance order, consolidation of balances, transfer of surpluses, replenishing
1. PLN 350
deficiencies (end of day or intra-day) - monthly fee
2. Fee charged for each account in the structure covered by Balances Management services – monthly fee PLN 50

3. Initiation of the Balances Management service PLN 500

4. Modification of the Balances Management service PLN 300

5. Net Balance - monthly fee PLN 350

6. Fee charged for each account in the structure covered by the Net Balances service – monthly fee PLN 50

7. Initiation of the Net Balance service PLN 500

8. Modification of the Net Balance service PLN 300

5. Bank statements
NO. Commission/fee title Commission/fee rate
once a month once a week daily
Frequency of preparing and sending an account statement
(monthly fee) (monthly fee) (monthly fee)
in a paper form PLN 2502 PLN 400 PLN 500
1. Collective/single statement1 electronically to an e-mail
PLN 1502 PLN 200 PLN 300
address

BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 2/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
1
Single statement – applies to the fee for each account
2 Commission is charged if the Customer has access to GOonline Biznes

II. TRANSFERS
1. Domestic transfer
NO. Fee/commission title Commission fee rate

in the Bank's Remote Payment Initiation

Transfer type GOonline Biznes Connexis
Branch (MT101)

1. Domestic transfer from a PLN account PLN 3

2. PLN transfer into an own account in the Bank 1 free of charge
PLN internal transfer (into an account of another Customer in the PLN 50
3. Bank) PLN 3
4. PLN domestic transfer from an FC account
5. PLN transfer from a current account into a progressive account free of charge
n/a
6. PLN transfer from a progressive account into a current account PLN 15
7. SORBNET for amounts below PLN 1 million PLN 50
8. SORBNET for amounts greater than or equal to PLN 1 million PLN 50 PLN 15
9. Instant transfer n/a PLN 10
n/a
10. Standing order establishment PLN 50 free of charge
11. Execution of a single standing order PLN 3
Execution of a standing order via Sorbnet for amounts greater
12. PLN 15
than or equal to PLN 1 million
1Applies to transfers where the payer and recipient are the same Customer and accounts are maintained by the Bank

2. Cross-border transfer in foreign currencies and PLN and domestic transfer in foreign currencies
NO. Fee commission title Commission/fee rate

in the Bank's GOonline Remote Payment Initiation

Transfer type Connexis
Branch Biznes (MT101)

PLN or foreign currency cross-border transfer with a standard

value date, or a foreign currency transfer into an account in 0.4% of the
another Polish bank, excluding EUR transfer to the EEA (fee amount min.
1. 0.3% of the amount, min. PLN 60, max. PLN 200
charged in case the SHA or OUR charging option is applied). In the PLN 100, max.
case of OUR charging option, an additional fee applies pursuant to PLN 200
item 8.
Expedited PLN or FC cross-border transfer, or a foreign currency
0.65% of the
transfer into an account in another Polish bank, excluding EUR
amount min.
2. transfer to the EEA (fee charged in case the SHA or OUR charging 0.55% of the amount, min. PLN 120, max. PLN 400
PLN 120, max.
option is applied). In the case of the OUR charging option, an
PLN 400
additional fee applies pursuant to item 8.
3. SEPA Transfer
PLN 50 PLN 3
4. Expedited SEPA transfer
Target transfer or expedited transfer in EUR within the EEA up to
5. PLN 50
EUR 250,000
n/a
Target transfer or expedited transfer in EUR within the EEA above
6. PLN 15
EUR 250,000
PLN or FC cross-border transfer with a standard value date or
expedited transfer, if the costs of the Bank and intermediary
7. banks are covered by the payee – the BEN charging option (the 0.55% of the amount, min. PLN 150, max. PLN 500
amount transferred is reduced by the commission – the option
not allowed for EEA transfers)
Additional fee for an outgoing transfer if the costs of intermediary
8. banks are covered by the payer – the OUR charging option 0.15% of the amount, min. PLN 100, max. PLN 400
(payable by the payer)
9. FC transfer into an own account in the Bank free of charge
Internal transfer (to the account of another Customer in the PLN 50
10. PLN 3
Bank)
Additional fee for an outgoing transfer that does not meet the STP
11. standard (for the definition of STP, see the Terms and Conditions PLN 150
for Bank Accounts)
Execution of an instruction under an active Remote Payment
12. n/a PLN 5
Initiation service
3. Execution of incoming cross-border transfers
NO. Commission/fee title Commission/fee rate
Execution of incoming cross-border transfer or foreign currency transfer from a domestic bank into the
1. Customer's account maintained in the Bank – the SHA, BEN charging option, excluding EUR transfers from PLN 25
EEA(the commission is debited to the Customer’s account with the Bank)
Execution of incoming cross-border transfer or foreign currency transfer from a domestic bank into the
2. Customer's account maintained in the Bank – OUR charging option (the commission is paid by the ordering PLN 180
bank/payer)
BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 3/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
 4. Additional fees
NO. Domestic
Action transfers in PLN
Other transfers
and cross-border
transfers in EUR
1. Data correction or cancellation of an outgoing transfer at the payer's request (if possible) after its receipt by
PLN 20 PLN 20 PLN 100
the Bank but prior to sending a payment message to settlement systems
2. 50% of the PLN 200 + actual
Correction of data of an outgoing transfer at the payer's request after sending a payment message to
transfer amount, third-party bank
settlement systems
max. PLN 50 costs, if any
3. Cancelling an outgoing transfer at the payer's request after sending a payment message to settlement
systems. 50% of the PLN 200 + third-
The commission is not charged when a transfer is ordered in a currency of EU Member States or Member transfer amount, party bank costs,
States of the European Free Trade Association (EFTA), parties to the agreement on the European Economic max. PLN 50 if any
Area if the Bank has not recovered the transfer amount
4. PLN 200 + actual
Return of a previously executed outgoing transfer to the payee's bank for reasons beyond the Bank's control
PLN 5 third-party bank
(e.g. an invalid account number, transfer to a closed account, other reasons)
costs, if any
5. Explanation of details of outgoing or received payments, confirmation of crediting the payee's account and 50% of the PLN 200 + actual
providing other explanations on payments at the Customer's request The fee is charged if a contact with the transfer amount, third-party bank
third bank is required. max. PLN 50 costs, if any

III. DIRECT DEBIT

NO. Commission/fee title Commission/fee rate
Fees charged to the payee GOonline Biznes
1. Initiation of a PLN direct debit As per the agreement
2. Execution of a single PLN direct debit by debiting the payer's account maintained by another bank PLN 3
3. Execution of a PLN direct debit by debiting the payer's account maintained by the Bank PLN 3
4. Re-execution of a single direct debit by debiting the payer's account maintained by another bank PLN 3
5. Re-execution of a single direct debit by debiting the payer's account maintained by the Bank PLN 3
6. Refusal to execute a direct debit by debiting the payer's account maintained by another bank PLN 3
7. Refusal to execute a direct debit by debiting the payer's account maintained by the Bank PLN 3
8. Refund of the direct debit funds executed PLN 10
9. Forwarding a consent to the Payer's bank for verification PLN 20
Fees charged to the payer
1. Debiting a payer’s account with the direct debit amount PLN 2
2. Bank's refusal to carry out a direct debit order due to insufficient funds in a payer’s account PLN 3
3. Cancellation of a single direct debit prior to its execution, at the payer's request PLN 5
4. Refund of the Direct Debit funds executed, at the payer's request PLN 5
Blocking of direct debit execution
5. PLN 50
NOTE: Fee is charged for blocking each account

IV. PAYMENT IDENTIFICATION SERVICE (MASS COLLECT)

NO. Commission/fee title Commission/fee rate
1. Activation of the Payment Identification service As per the agreement
2. Monthly fee for providing the service As per the agreement
3. Transforming an incoming transfer (payment) into a virtual account As per the agreement
4. Service parameters change As per the agreement
5. Repeated delivery of result files (reports) in the electronic banking system at the Customer's request As per the agreement

V. Mass Domestic Payments

NO. Commission/fee title Commission/fee rate

1. Initiation of the Mass Domestic Payments service As per the agreement
2. Monthly fee for providing the service As per the agreement
3. Execution of payment As per the agreement
4. Service parameters change As per the agreement

VI. ADDITIONAL FEES

NO. Commission/fee title Commission/fee rate
Confirmation of the execution of a single transfer
1. at the Bank's branch PLN 40
via e-mail PLN 20
2. Domestic courier mail under a special Customer instruction PLN 80
BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 4/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
 3. International courier delivery PLN 350
4. Individual setting of a Cut Off Time PLN 150

Monthly fee for maintaining a high balance in EUR accounts 1/12 of the absolute value of
*The fee is due and charged when the average monthly balance 2 on all accounts and deposits in EUR in the EURIBOR 1M3 + 0.01 p.p. on the average
5.
month for which the fee is charged is higher than EUR 100,000. monthly balance2 of accounts
Fee charged on the total balance. and deposits1

Monthly fee for maintaining a high balance in CHF accounts 1/12 of the absolute value of
*The fee is due and charged when the average monthly balance 2 on all accounts and deposits in CHF in the SARON 1M3 Compound Rate + 0.01 p.p. on
6.
month for which the fee is charged is higher than CHF 100,000. the average monthly balance2 of accounts
Fee charged on the total balance. and deposits1

Monthly fee for maintaining a high balance in DKK accounts 1/12 of the absolute value of
*The fee is due and charged when the average monthly balance 2 on all accounts and deposits in DKK in the CIBOR DKK 1M3 + 0.01 p.p. on the average
7.
month for which the fee is charged is higher than DKK 250,000. monthly balance2 of accounts and
Fee charged on the total balance. deposits1

Monthly fee for maintaining a high balance in SEK accounts 1/12 of the absolute value of
*The fee is due and charged when the average monthly balance 2 on all accounts and deposits in SEK in the STIBOR SEK 1M3 + 0.01 p.p. on the average
8.
month for which the fee is charged is higher than SEK 250,000. monthly balance2 of accounts and
Fee charged on the total balance. deposits1

Monthly fee for maintaining a high balance in GBP accounts 1/12 of the absolute value of
*The fee is due and charged when the average monthly balance 2 on all accounts and deposits in GBP in the Refinitiv Term Sonia 1M3 + 0.01 p.p. on the
9.
month for which the fee is charged is higher than GBP 100,000. average monthly balance2 on accounts and
Fee charged on the total balance. deposits1
1/12 of the absolute value of
Monthly fee for maintaining a high balance in USD accounts LIBOR USD 1M3 + 0.01 p.p. on the average
*The fee is due and charged when the average monthly balance 2 on all accounts and deposits in USD in the monthly balance2 of accounts and
10.
month for which the fee is charged is higher than USD 100,000. deposits1
Fee charged on the total balance. LIBOR USD 1M is valid until 31 March 2023.
As of 1 April 2023, CME Term SOFR 1M

Monthly fee for maintaining a high balance in HUF accounts 1/12 of the absolute value of BUBOR HUF
*The fee is due and charged when the average monthly balance2 on all accounts and deposits in HUF in the 1M3 + 0.01 p.p. on the average monthly
11.
month for which the fee is charged is higher than HUF 10 million. balance2
Fee charged on the total balance. of accounts and deposits1

Monthly fee for maintaining a high balance on CZK accounts 1/12 of the absolute value of
*The fee is due and charged when the average monthly balance 2 on all accounts and deposits in CZK in the PRIBOR CZK 1M3+ 0.01 p.p. on the average
12.
month for which the fee is charged is higher than CZK 750,000. monthly balance2 of accounts and
Fee charged on the total balance. deposits1

Monthly fee for maintaining a high balance in NOK accounts 1/12 of the absolute value of
*The fee is due and charged when the average monthly balance 2 on all accounts and deposits in NOK in the NIBOR NOK 1M3+ 0.01 p.p. on the average
13.
month for which the fee is charged is higher than NOK 250,000. monthly balance2 of accounts and
Fee charged on the total balance. deposits1
Monthly fee for maintaining a high balance in JPY accounts 1/12 of the absolute value of
*The fee is due and charged when the average monthly balance 2 on all accounts and deposits in JPY in the Revinitiv Term Tibor 1M3 + 0.01 p.p. on the
14. month for which the fee is charged is higher than JPY 12 million.
average monthly balance2 of accounts and
Fee charged on the total balance.
deposits1
Monthly fee, except for December of a given year, for maintaining a high balance in PLN accounts.
Due and charged when the sum of all positive balances 4 in PLN accounts and deposits on the last business
day of a month is higher than the average sum of daily positive balances4 in PLN accounts and deposits in the
period from the 1st to the 25th day of the calendar month for which the fee is charged.
15. The fee is charged if the difference between the balance on the last day of the month and the average value PLN 0
of the sum of all positive balances in the period from the 1st to the 25th day exceeds PLN 5 million.
The fee is charged on the total difference between these balances.
The fee is not due for the month in which the first account was opened.

BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 5/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
 Annual fee (charged once a year) for maintaining a high balance in bank accounts, placement accounts, term
deposits, O/N Deposits.
In the event that the accounts or deposits are maintained in a currency other than PLN, in order to calculate
the amount of the fee due, NBP mid-rate for the given currency as at the day the fee is calculated will be
applied.
The fee is due and charged on the total balance if the sum of positive balances 4converted into PLN is higher PLN 06
than PLN 5 million5.
16. 5
If the sum of the total positive balances4 as at the last business day of December is higher than the average
total positive daily balances4 in the period of September to November and exceeds PLN 5 million, the Bank
shall charge an additional fee of 0.0% of the excess over that average*.
* The average concerns the period in which the Customer held the account; if the Customer did not hold
accounts in the period of September to November, an additional fee of 0% shall be charged on the balance in
excess of PLN 5 million.
The fee is charged on 10 January of the following year.

1
NOTE: The commission/fee rates listed in items 5-14 apply when the respective EURIBOR 1M, SARON 1M Compound Rate, CIBOR DKK 1M, STIBOR SEK 1M, Refinitiv
Term Sonia 1M, LIBOR USD 1M/CME Term SOFR 1M, BUBOR HUF 1M, PRIBOR CZK 1M, NIBOR NOK 1M or Revinitiv Term Tibor 1M takes a negative value. Should the
above-mentioned rates be equal or higher than 0, the fee rate amounts to 0.02% of the average monthly positive balances in the month when the fee is charged on
all accounts and deposits in the respective currency.
The fees listed in items 5-15 are collected on the 10 day of each month for the previous month.
2
For the purposes of calculating the average monthly balance, if the balance at the end of the day on a given account for a given day is less than 0, it is assumed
that the value of the balance = 0
3
The fee is charged at the rate applicable on the last business day of the month according to the calendar for the given currency (Day-2).
4
End-of-day balance
5
If the sum of the total positive balances4 as at the last business day of December is higher than the average total positive daily balances 4 in the period of
September to November and exceeds PLN 5 million, the Bank shall charge an additional fee of 0% of the excess over that average*.
* The average concerns the period in which the Customer held the account; if the Customer did not hold accounts in the period of September to November, an
additional fee of 0% shall be charged on the balance in excess of PLN 5 million.
6
The fee is charged on 10 January of the following year. The rate specified in this Table shall apply starting from the fee for 2022, to be collected on 10 January
2023.

VII. CARDS
NO. Commission/fee title Commission/fee rate
Debit
Mastercard1
Card types
Business Business Multi-currency
(PLN) (EUR) Business (PLN)
1. Card issuance PLN 25 EUR 10 PLN 30
2. Card usage (monthly fee) PLN 5 EUR 3 PLN 5
Cash withdrawals from ATMs in Branches of the
3. PLN 3 EUR 1 PLN 3
Bank
Cash withdrawals at another bank’s cash desk or 3% of the amount, 3% of the amount, 3% of the amount,
4.
from other ATMs in Poland and abroad min. PLN 7 min. EUR 2 min. PLN 7
Cash withdrawals at another bank’s cash desk or EUR: 3% of the amount, min. EUR 2
from ATMs abroad from an auxiliary account in USD: 3% of the amount, min. USD 3
5. n/a n/a
a foreign currency CHF: 3% of the amount, min. CHF 3
GBP: 3% of the amount, min. GBP 2
6. Cash withdrawal under a cash back service PLN 5 EUR 1 PLN 5
7. Checking the balance in ATMs PLN 1 EUR 1 PLN 1
8. Card delivery by courier in Poland PLN 80 EUR 20 PLN 80
Fee for a PIN code delivery
GOonline Biznes/Call Centre PLN 0 EUR 0 PLN 0
9. by mail PLN 50 EUR 15 PLN 50
courier dispatch to the address specified by the
PLN 80 EUR 20 PLN 80
Customer in Poland

Generating a new PIN

10. GOonline Biznes/Call Centre PLN 0 EUR 0 PLN 0
based on instruction in paper form submitted to
PLN 50 EUR 15 PLN 50
the Bank
Change of Daily Limits and Monthly Limit
based on instruction in paper form submitted to
11. PLN 100 EUR 30 PLN 100
the Bank
via GOonline Biznes PLN 0 EUR 0 PLN 0

BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 6/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
 NO. Commission/fee title Commission/fee rate
Charge

Card types Mastercard1 Visa1

Silver Executive Silver Gold Platinum
(PLN) (PLN) (PLN) (PLN) (PLN)
1. Card issuance
Annual fee for card usage in subsequent PLN 200 PLN 500 PLN 200 PLN 300 PLN 500
2.
years
Cash withdrawals from ATMs in Branches of
3.
the Bank
3% of the amount; 3% of the amount;
Cash withdrawals at another bank’s cash min. PLN 7 min. PLN 7
4. desk or from other ATMs in Poland and
abroad
5. Non-cash transactions 1.5% of the amount 1.5% of the amount
6. Checking the balance in ATMs PLN 1
7. Card delivery by courier in Poland PLN 80
PIN code delivery
GOonline Biznes/Call Centre PLN 0
8. by mail PLN50
PLN 0
courier dispatch to the address specified by
PLN 80
the Customer in Poland
Generating a new PIN
based on instruction in paper form
9. PLN 50
submitted to the Bank
via GOonline Biznes/Call Centre PLN 0
Change of Daily Limits and Card Limit
based on instruction in paper form
10. PLN 100
submitted to the Bank
via GOonline Biznes PLN 0
Statement
11. to be downloaded via GOonline Biznes PLN 0
in a paper form PLN 200
equivalent of USD equivalent of equivalent of USD
12. Emergency cash withdrawal abroad
100 USD 100 100
n/a
equivalent of USD equivalent of equivalent of USD
13. Fee for issuing a replacement card abroad n/a
180 USD 180 180
Visit at the airport LoungeKey (rate for
14. PLN 150 n/a
a single visit by one person)
“Bezpieczny Biznes” insurance package –
15. a monthly fee for the card whose User is PLN 0 n/a PLN 0 PLN 0 n/a
insured
“Bezpieczny Biznes Plus” insurance package
16. – a monthly fee for the card whose User is n/a PLN 0 n/a PLN 0
insured
“Karta Business Bez Ryzyka” insurance
17. package2 – a monthly fee for the card whose n/a PLN 5.99 PLN 0
User is insured
Fee for documents issued by the Bank:
18. PLN 200
statement duplicate, account history

Services added to cards

NO. Commission/fee title Commission/fee rate
1. Smart Data OnLine – access to the service3 PLN 4,500
2. Smart Data OnLine – usage fee (monthly) PLN 500
System support/consultation/training by
3. a Bank employee upon the Customer’s min. PLN 500 max. PLN 2,000
request

1 For non-cash and cash transactions in a currency other than:

− for Mastercard Business debit card (PLN) – the currency of the account to which the card is issued,
− for a multi-currency card – the currency of the main account to which the card is issued, or the currency of the additional account to which the multi-currency card is linked,
− for charge cards – the currency of the account to which the card is issued,
the transaction value is increased by a currency conversion fee of 5% (for debit cards) or 6% (for charge and cards). The commission is included in the amount of the transaction in PLN shown in the statement and is not recorded as
a separate item.
2 The insurance package offered by the Bank from 10 August 2020.
3 The service is only available for Mastercard cards.

VIII. ELECTRONIC BANKING SERVICES

NO. Fee/commission title Commission/fee rate

BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 7/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
 Remote Payment
Electronic banking services GOonline Biznes Connexis Multi Bank Reporting
Initiation (MT101)
(MT940)
PLN 100
Monthly usage fee PLN 200
accounts with
1. The fee applies from the month following the PLN 200 accounts with PLN 200
third-party
opening of the account the Bank
banks
One-off–initiation:
PLN 5,000
2. in relation to accounts in Poland n/a n/a
in relation to accounts abroad, for each country PLN 2,000
Granting/modifying of user permissions in
GOonline Biznes by the Bank at the Customer's
request.
The fee is due on the following operations
and charged for each user specified in the request:
- adding/removing a user,
3. - granting new or modifying existing user PLN 100/PLN 01
permissions,
- adding or modifying account permissions,
- adding or modifying acceptance schemes.
1
Note: no fee is charged if the operations are
performed independently by he User
Administrator in GOonline Biznes
Adding a new user by the Bank at the Customer’s
4. request in the process of applying for GOonline PLN 0
Biznes
Granting permissions to the User Administrator
with the concurrent addition of schemes for
5. PLN 0
Company Management/Contract signing by the
Bank at the Customer’s request
Monthly fee for system users: n/a
PLN 0
6. up to five Users inclusive
over five Users PLN 50
SMS codes for authorization of instructions – the
fee is charged to a given entity using SMS
authorization by a minimum of one User when
7. at least one SMS code is used (monthly fee). PLN 30
The fee is not charged if SMS codes are used to log
into the system, change the authorization method
and activate the mobile application.
PLN 0.35
8. SMS message
(per message)
9. USB cryptographic device - issuance PLN 200

10. Starter package in paper form – issuance PLN 30

Starter package via SMS message or token –
11. PLN 0
issuance
Dispatch of a token or USB cryptographic carrier
12. PLN 30
by mail
Dispatch of a token or USB cryptographic carrier
13. PLN 80
by courier
Support/technical consultation/training by a Bank
14. min. PLN 500 max. PLN 2,000
employee at the Customer’s request
15. Issuance of a token – password generator n/a PLN 60 n/a
Use of a token – additional monthly fee for each
16. PLN 30
token issued
n/a
Mobile authorization in the GOmobile Biznes
17. PLN 0
application

IX. Fees related to GOconnect Biznes (HOST-TO–HOST)/GOconnect Biznes Plus

NO. Commission/fee title Commission/fee rate

1. Monthly fee for use As per the agreement

2. Initiation of the system As per the agreement

min. PLN 500
3. Support/technical consultation/training by a Bank employee at the Customer’s request
max. PLN 2,000

X. SEALED-BAG CASH DEPOSITS AND WITHDRAWALS

1. Carried out through PLN accounts

BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 8/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
NO. Commission/fee title Deposit/withdrawal currency Commission/fee rate
0.7% of the amount
1. Own sealed-bag deposit at a Bank Unit (cash desk, deposit drop box) PLN
min. PLN 60
0.5% of the amount
2. Own sealed-bag deposit via the Online Deposit Drop Box PLN
min. PLN 30
0.5% of the amount
3. Own sealed-bag deposit via cash processing facilities cooperating with the Bank PLN
min. PLN 30
0.5% of the amount
4. Own sealed-bag deposit via a Polish Post Office branch PLN
min. PLN 30
0.7% of the amount
5. Sealed-bag withdrawal at a Bank Unit PLN
min. PLN 60
0.6% of the amount
6. Sealed-bag withdrawal via cash processing facilities cooperating with the Bank PLN
min. PLN 30

2. Carried out through foreign currency accounts*

*deposits and withdrawals in EUR, USD, CHF, GBP and other currencies can be made only in banknotes

NO. Commission/fee title Deposit/withdrawal currency Commission/fee rate

0.8% of the amount
EUR, USD, CHF, GBP*
min. PLN 60
1. Own sealed-bag deposit in the account currency at a Bank Unit (cash desk, deposit drop box)
2% of the amount
in other currencies*
min. PLN 60
0.7% of the amount
EUR, USD, CHF, GBP*
min. PLN 30
2 Own sealed-bag deposit in the account currency via the Online Deposit Drop Box
1.8% of the amount
in other currencies*
min. PLN 30
0.7% of the amount
EUR, USD, CHF, GBP*
Own sealed-bag deposit in the account currency via cash processing facilities cooperating with min. PLN 30
3.
the Bank 1.8% of the amount
in other currencies*
min. PLN 30
0.8% of the amount
EUR, USD, CHF, GBP*
min. PLN 60
4. Sealed-bag withdrawal in the account currency at a Bank Unit
2% of the amount
in other currencies*
min. PLN 60
0.7% of the amount
EUR, USD, CHF, GBP*
Sealed-bag withdrawal in the account currency via cash processing facilities cooperating with min. PLN 30
5.
the Bank 1.8% of the amount
in other currencies*
min. PLN 30

3. Additional fees

No. Commission/fee title Commission/fee rate

Additional fee on coin deposits (PLN only) above 100 coins, charged on the value of the coin 1.5% of the coin value
1.
deposit min. PLN 60

1.5% of the deposit amount

2. Additional fee on an unsegregated deposit (coins mixed with banknotes)
min. PLN 60
a) Making a deposit in a Packaging not accepted by the Bank
b) Making a deposit in the Online Deposit Drop Box contrary to the instructions
c) Issuance of a Statement of Differences PLN 50
3.
d) No document confirming the breakdown of the deposit by currency amounts per event
e) No Bank Proof of Deposit (BPP/eBPP)
f) Missing or incorrect bank account number on the BPP/eBPP
to be determined on a case-by-case basis
4. Issuance of a certified copy of a Bank Proof of Payment (BPP/eBPP)
min. PLN 50 per copy
Provision of additional documents for the Statement of Differences at the Customer’s
5. PLN 100
request
PLN 200
6. Exceeding the Daily Limit for Deposits in Sealed Bags
per event
PLN 200
7. Exceeding the Daily Limit for Deposits in Sealed Bags in the Online Deposit Drop Box
per event
Sealed-bag withdrawals via a Deposit Drop Box at a Bank Unit (regardless of the number of
8. PLN 200 monthly
Deposit Drop Boxes in use)
Sealed-bag withdrawals via the Online Deposit Drop Box (for each Online Deposit Drop Box
9. PLN 200 monthly
in use)
Issuance of a key/card to a Deposit Drop Box/ Online Deposit Drop Box (for each key/ card
10. PLN 50
issued)
Failure to return a key/card to a Deposit Drop Box/ Online Deposit Drop Box (for each
11. PLN 50
key/card issued)
to be determined on a case-by-case basis
12. Fee for carrying out an agreement on sealed-bag deposits and/or withdrawals
min. PLN 100
Modification of the parameters of the agreement on sealed-bag deposits and/or
withdrawals, including:
a) addition/removal of an account
to be determined on a case-by-case basis
13. b) addition/removal of the Customer’s unit
min. PLN 50
c) addition/removal of a sealed-bag deposit and/or withdrawal service
d) addition/removal of a cash-in-transit service
e) addition/removal of a Deposit Drop Box/ Online Deposit Drop Box
Submission of an instruction, in a form other than the corresponding Request in GOonline
14. PLN 50 for each instruction/document
Biznes, concerning:

BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 9/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
 a) a sealed-bag deposit at a cash processing facility or a Bank Unit
b) cancellation of a withdrawal instruction at a cash processing facility
c) a list of persons/vehicles authorized to enter the premises of a cash processing
facility and/or a Polish Post Office branch and/or a Bank Unit to had over sealed-
bag deposits or collect sealed-bag withdrawals
d) ordering and/or cancellation of a cash-in-transit service
to be determined on a case-by-case basis
15. Delivering a non-standard report or statement
PLN 100 per report
Fee for non-collection of a sealed-bag withdrawal from a Bank Unit/cash processing facility 1.5% of uncollected amount,
16.
at the date specified in the withdrawal instruction min. PLN 200
Cash escort (service available only together with the service of payments in sealed bags
17. to be determined on a case-by-case basis
and/or withdrawals in sealed bags)

XI. OPEN CASH DEPOSITS AND WITHDRAWALS*

*deposits and withdrawals in EUR, USD, CHF, GBP and other currencies can be made only in banknotes

1. Carried out through PLN accounts

NO. Commission/fee title Deposit/withdrawal currency Commission/fee rate

1% of the amount
1. Open deposit which is an own deposit PLN
min. PLN 60
1.5% of the amount
Open deposit made by third parties PLN
2. min. PLN 60
1.5% of the amount
EUR, USD, CHF, GBP*
min. PLN 60
3. Open deposit subject to conversion to PLN
2% of the amount
other currencies*
min. PLN 60
Deposit made with a MasterCard Business debit card (PLN), Multicurrency Business
4. PLN 0.3% of the amount
MasterCard (PLN) in a cash deposit machine at the Bank’s branch
Payment made with a MasterCard Business debit card (PLN), Multicurrency Business 0.5% of the amount
5. PLN
MasterCard (PLN) in a cash deposit machine in the Euronet/PlanetCash network min. PLN 10
Own payment in an open form in PLN made via a Polish Post Office branch**
0.7% of the amount
6. PLN
min. PLN 50
**after the service is made available by the Bank
1% of the amount
7. Open withdrawal PLN
min. PLN 60
1.5% of the amount
EUR, USD, CHF, GBP*
min. PLN 60
8. Open withdrawal with conversion
2% of the amount
other currencies*
min. PLN 60

2. Carried out trough foreign currency accounts

NO. Commission/fee title Commission/fee rate

1.5% of the amount
EUR, USD, CHF, GBP* min. 15 units of currency of the payment
account
1. Payment in the account currency in an open form being an own payment
2% of the amount
in other currencies* min. 20 units of currency of the payment
account
1.5% of the amount
EUR, USD, CHF, GBP*
min. PLN 60
2. Open payment in the account currency made by third persons
2% of the amount
in other currencies*
min. PLN 60
1.5% of the amount
EUR, USD, CHF, GBP*
min. PLN 60
3. Open deposit with conversion
2% of the amount
in other currencies*
min. PLN 60
1.5% of the amount
EUR, USD, CHF, GBP* min. 15 units of the withdrawal account
currency
4. Open withdrawals in the account currency
2% of the amount
in other currencies* min. 20 units of the withdrawal account
currency
1.5% of the amount
EUR, USD, CHF, GBP*
min. PLN 60
5. Open withdrawal with conversion
2% of the amount
in other currencies
min. PLN 60

3. Additional fees

NO. Commission/fee title Commission/fee rate

1.5% of the amount
1. Additional fee on coin deposits (PLN only) above 100 coins, charged on the value of the coin deposit
min. PLN 60
2. Additional fee on an unsegregated deposit (coins mixed with banknotes) 1.5% of the amount

BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 10/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
 min. PLN 60
to be determined on a case-by-case basis
3. Delivering a non-standard report or statement
PLN 100 per report
Fee for failure to execute or partial execution of advised cash withdrawal
1.5% of the amount
4.
min. PLN 200
Charged on uncollected amount
Additional fee for a withdrawal at a Bank Unit that requires advising, executed within a shorter period than the
standard one, provided that funds are available at the Bank 0.50% of the amount
5.
min. PLN 60
Charged on the amount of the withdrawal that is in excess of the amount that does not need to be advised
6. Advising an open withdrawal at a Bank Unit in a form other than the corresponding Request in GOonline Biznes PLN 50 for each advice
Service of open deposit in PLN via a Polish Post Office branch – initiation** to be determined on a case-by-case basis
7. **after the service is made available by the Bank min. PLN 100
Open deposit in PLN via a Polish Post Office branch – upon change of the terms/parameters of the service (such
to be determined on a case-by-case basis
8. as adding/removing the account)**
min. PLN 50
**after the service is made available by the Bank

XII. INTERNATIONAL DESK

NO. Commission/fee title Commission/fee rate
1. One-off fee PLN 1,500

2. Monthly fee per account PLN 100

XIII. CASH POOLING

NO. Commission/fee title Commission/fee rate
1. Implementation fee (one-off fee)
2. Service fee (monthly fee)
3. Monthly fee on each account covered by the service As per the agreement
4. For each modification of the service (one-off fee)
5. Monthly fee for interest settlements based on reports (monthly fee)

XIV. OTHER FEES AND COMMISSIONS

NO. Commission/fee title Commission/fee rate
Benefiting from the pricing terms individually agreed for the products and services covered by an agreement on the
maintenance of bank accounts.
No fee is charged if the equivalent of the sum of monthly receipts to all of the Customer’s accounts at the Bank is
the minimum PLN 2 million; the receipts do not include own receipts from the Customer’s other accounts, including
own receipts from other banks.
1) the fee does not apply to Customers who are subject to separate, individually agreed terms of receipts;
1. 2) the fee is not due for a period of 6 months from the date of opening the first account; PLN 0 or 100
3) a monthly fee, charged within 10 days after the end of the calendar month to which the fee applies;
4) in the case of companies forming part of a capital group, the fee is not charged if the equivalent of the sum of
monthly receipts to all accounts of at least one of the group’s companies will be equal to or greater than PLN
2 million. If none of the companies meets this condition, the fee will be due from the company whose pricing terms
are individually agreed and whose balance is the highest as of the last working day of the month (end-of-day
balance).
Standard bank reference.
A standard bank reference comprises information on the current account (account number, opening date, balance,
2.
turnover for the last 6 months as well as whether the Customer has a credit limit in the account, whether the PLN 200
account is subject to foreclosure, whether the Customer pays their obligations to the Bank on time).
Non-standard bank reference
3. A non-standard bank reference comprises additional information on other accounts indicated by the Customer and min. PLN 400
detailed information on credit/limits or other information as requested by the Customer.
Issuance of when an assessment is not required PLN 200
a certificate of the
4. to be determined on a case-by-case basis1
Customer’s when an assessment is required
creditworthiness min. PLN 1,000
Bank reference for auditors

5. on the Bank's standard form PLN 500

to be determined on a case-by-case basis,
when the scope of information is broader than the Bank's standard form
min. PLN 800
Certificate (accounts, balance on accounts, turnover on accounts, closed accounts, other certificates pertaining to
6. PLN 150
bank accounts)
Records of accounts, including In paper version for the current year per A4 page (basic rate)
PLN 150
credit accounts, turnover, For each previous year, the fee is increased by 50% of the basic rate.
balances. In electronic version to the e-mail address for each calendar month of the
The fee is not charged if a copy current year (basic rate).
PLN 100
is prepared on instructions from For each previous year, the fee for each calendar month is increased by 50% of
7.
the court or public prosecutor’s the basic rate.
office for the purposes of
criminal, fiscal criminal cases,
By the Customer on their own in GOonline Biznes PLN 0
cases for alimony or for
a pension of analimony nature.
BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 11/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
 Making a photocopy/duplicate of a document at the Customer’s request (fee for each document), including
7. PLN 50
confirmation of data conformity for auditors and other financial institutions
Preparation of other non-standard documents (copies, statements, confirmations, etc.) not provided for in this
8. min. PLN 300
tariff
Submitting a power of attorney to the bank, and/its amendment/cancellation (on the ACC or other document
9. PLN 30
approved by the Bank) - for each power of attorney
Making changes to the account (frequency of statement generation (no fee is due and charged for change from
10. paper/email statement to e-banking), account parameters, statement, password (not applicable to e-banking PLN 50
passwords, etc.)
11. Confirmation of compliance of signatures affixed on behalf of the Customer PLN 30
12. Accepting for execution a bailiff/claim securing seizure PLN 200
Execution of a bailiff seizure
13. PLN 20/30*
*The fee of PLN 30 is effective as of 1 March 2023.
Accepting and executing instructions for blocking funds deposited on accounts to secure agreements concluded by Customer
with the Bank PLN 0
14.
with other entities on the Bank's standard form 0.1% of the blocked amount, min. PLN 2,000
with other entities when the scope is broader than the Bank's standard form 0.5% of the blocked amount, min. PLN 4,000
15. Accepting a power of attorney for thirds parties to administer funds in the account PLN 300
16. Preparing an annex (at the Customer’s request) to the existing product agreement PLN 200
17. Certificate concerning e-banking users (not systemic) PLN 300
Additional fee for submitting an application/instruction for opinions and certificates in a form other than an
18. PLN 100
application in GOonline Biznes
1
If an operation is performed at the Customer’s request and the Bank intends to charge a commission higher than the minimum one, the amount of the commission due shall
be agreed with the Customer before the operation is performed.

XV. HANDLING DOMESTIC CHEQUES

NO. Commission/fee title Commission/fee rate
1. For confirmation of a settlement or cash cheque, per each cheque
PLN 100
2. For collection of a settlement or cash cheque (the fee is charged for acceptance of a cheque for collection)
For acceptance of a notification regarding loss of cheques and cheque blanks and stopping cheques at the Bank's
3. PLN 200
Branches
4. For issuing a cheque book (cheques in domestic transactions; from 1 to 50 cheque blanks) PLN 100
5. Withdrawal at the Bank’s cash desk on the basis of the Bank’s cash cheque 1% min. PLN 60

BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 12/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
XVI. DOCUMENTARY OPERATIONS
1. The Bank’s Documentary Letter of Credit (L/C) (import and domestic)

NO. Commission/fee title Commission/fee rate

Commission for providing/renewing/increasing a L/C facility
1. 1%, min. PLN 550
(for the current period of availability of the revolving line or for the term of the non-revolving line)
2. Fee for change of terms of a L/C facility other than those indicated in item 1 (for each annex to the agreement) PLN 350
3. Issuance of a L/C pre-advice PLN 350
on the basis of an L/C opening order PLN 250
4. Fee for an L/C draft
on the basis of an incomplete L/C opening order or trade documents PLN 450
0.3% of the L/C maximum amount, min. PLN 350
5. Fee for opening an LC in advance for the entire term
for each 3-month term
6. Opening a standby L/C in advance for the entire term 0.15% monthly, min. PLN 150 monthly
each change PLN 250
Fee for change of the
7. additionally if the change concerns an increase of the L/C amount or extension of the L/C
terms of L/C the same as the opening fee
term
Note: Presentation of documents above the paid-up 3-month L/C term or exceeding the L/C balance is considered a change of the L/C terms and conditions
Fee for LC execution: Including payment/examination of documents the settlement costs (for each set of
8. 0.2% of the amount due to be paid; min. PLN 350
documents)
9. Fee for an order outside GOonline Biznes PLN 400
10. Fee for presentation which is not compliant with the L/C terms and conditions (charged to the L/C beneficiary) USD 150/EUR 130/PLN 600
0.1% monthly on each deferred payment, min.
11. Commission for deferred payment (for each month of deferral specified in the L/C or part thereof) 250 PLN (the minimum applies to each
1-month period of deferral of part thereof)
Fee for cancellation of an order (prior to its execution by the Bank)
12. Fee for cancellation or failure to use an L/C PLN 350
Fee for change of terms of L/C collateral
Fee for consulting, at the Customer's request, the provisions of commercial contracts, transaction/financing
13. to be negotiated, min. PLN 1,500
structures/collateral
14. Fee for assignment of rights to the receipt of goods or bank endorsement on documents PLN 250
PLN 50 in domestic transactions
15. Fee for issuance of documents presented under an L/C
PLN 300 in cross-border transactions
Administrative commission (as defined in the Credit Regulations)
16. 0.075% quarterly
Not applicable to credits granted based on agreements concluded from 8 January 2024 with natural persons
running a farm, including in the form of a civil law partnership, subject to the Consumer Credit Act of 12 May 2011.

2. Third-party documentary L/C (export and import L/C)

NO. Commission/fee title Commission/fee rate
1. Fee for advice of an L/C to the beneficiary PLN 350
2. Fee for an L/C draft PLN 300
3. Fee for an L/C draft (for each draft) PLN 450
the fee to be determined on a case-by-case
4. Fee for LC confirmation basis depending on the risk of the country
and the opening bank
0.3% of the maximum amount of the transferred
5. Commission for transfer of the L/C into a secondary beneficiary
L/C, min. PLN 650
0.2% of the amount due to be paid;
6. Commission for execution of an L/C (including payment or documents analysis)
min. PLN 35
each change PLN 350
Fee for advice of the fee to be determined on a case-by-case
7. additionally if the change concerns an increase of the amount or extension of the term of
a change basis depending on the risk of the country
a confirmed L/C
and the opening bank
the rate to be determined on a case-by-case
confirmed L/C
Commission/fee for basis
8.
payment deferral unconfirmed L/C (for each month of deferral, or part thereof, indicated in the L/C for each
PLN 250
set of documents)
9. Fee when the documents presented are not compliant with the L/C terms and conditions PLN 350
10. Fee for initial check of the documents presented under the L/C PLN 450
11. Fee for an L/C draft
12. Fee for not using an LC (write-off) PLN 350
13. Fee for transfer of the obtained receivables to another bank
14. Fee for advice of an L/C to another bank
PLN 550
15. Fee for instruction to transfer the incoming receivables under the L/C in favour of another entity
Fee for consulting, at the Customer's request, the provisions of commercial contracts, transaction/financing
16. to be negotiated, min. PLN 1,500
structures/collateral
BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 13/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
 17. Fee for assignment of rights to the receipt of goods or bank endorsement on documents PLN 250
PLN 50 in domestic transactions
18. Fee for issuance of documents presented under an L/C
PLN 300 in cross-border transactions

3. Incoming Documentary and Clean Collection (import and domestic collection)

NO. Fee/commission title Commission/fee rate

Commission for issuance of documents for a payment or draft acceptance or issuance of financial documents 0.2% of the collection amount,
1.
(including issuance of financial documents at a later date) min. PLN 350
2. Fee for change of terms of collection, complaints, explanations and reminders PLN 150
as per actual costs incurred
3. Fee for protest of bills of exchange
+ PLN 500
Fee for the execution of import documentary collection order and related claim activities
4. fees as for a cross-border transfer
as well as other
5. Fee for sending unaccepted documents back (fee charged to the sender) USD 150
6. Fee for assignment of rights to the receipt of goods or bank endorsement on documents PLN 250
PLN 50 in domestic transactions
7. Fee for issuance of the collection documents to the Payer
PLN 300 in cross-border transactions
8. Fee for issuing documents at the Bank’s office (additionally, irrespective of other fees) PLN 500

4. Outgoing Documentary and Clean Collection (Export and Import)

NO. Commission/fee title Commission/fee rate

0.2% of the collection amount,
1. Fee for acceptance of an instruction and documents
min. PLN 350
2. Fee for change of terms of collection, complaints, explanations and reminders PLN 250
3. Fee for assignment of rights to the receipt of goods or bank endorsement on documents PLN 250
4. Fee for collection-related incoming payment PLN 100
PLN 50 in domestic transactions
5. Fee for issuance of the collection documents to the Payer's bank
PLN 300 in cross-border transactions
6. Fee for accepting orders/documents at the Bank’s office (additionally, irrespective of other fees) PLN 500

XVII. GUARANTEES
1. Third party guarantees

NO. Commission/fee title Commission/fee rate

1. Advising fee for a guarantee/change PLN 400
2. Fee for the Bank's opinion on the text of the guarantee PLN 350
3. Fee for confirmation of authenticity of the guarantee PLN 300
4. Fee for handling claims PLN 550
5. Fee for handling instructions related to a guarantee other than indicated in items 1-4 PLN 350

2. Own guarantees and counter guarantees

NO. Commission/fee title Commission/fee rate

Note: Potential changes to the rate indicated in item 4 apply:

- to new guarantees (i.e. guarantees issued after the conclusion date of the annex amending the agreement on granting the guarantee limit under which they are issued) -
from the guarantee issue date;
- to changes to existing guarantees (i.e. guarantees issued before the conclusion date of the annex amending the agreement on granting the guarantee limit under which they
are issued) - from the issue date of the annex to the existing guarantee amending the agreement on granting the guarantee limit

Commission for providing/renewing/upgrading a guarantee facility

1. 1% min. PLN 550
(for the current period of availability of the revolving line or for the term of the non-revolving line)
Fee for change of terms of a guarantee facility other than those indicated in item 1 (for each annex to the
2. PLN 350
agreement)
PLN 50 (in Poland)
3. Handling fee for the issuance of a guarantee/annex
PLN 200 (abroad)
Commission on the guarantee (issuance/increase/extension)
4. 0.15% monthly, min. PLN 100
(Charged monthly in advance, from the issuance date until the expiry date)
Fee for change of terms of a guarantee facility other than those indicated in item 4 (for each annex to the guarantee
5. PLN 200
irrespective of the commission pursuant to item 4)
6. Handling fee of a claim (the fee is not charged in the case of payment under the guarantee) PLN 500
7. Fee for withdrawal under a guarantee PLN 1,000
8. Fee for confirmation of assignment under guarantee PLN 500
9. Fee for issuing a guarantee on the Bank’s template form PLN 100
10. Fee for issuing a guarantee using the customer's form approved by the Bank
11. Fee for a guarantee draft PLN 200
12. Fee for cancellation of an order to issue a guarantee, or of an annex to a guarantee
13. Fee for an order outside GOonline Biznes PLN 300
Fee for consulting, at the Customer's request, the provisions of commercial contracts, transaction/financing
14. to be negotiated, min. PLN 1,500
structures/collateral
Administrative commission (as defined in the Credit Regulations)
15. Not applicable to credits granted based on agreements concluded from 8 January 2024 with natural persons 0.075% quarterly
running a farm, including in the form of a civil law partnership, subject to the Consumer Credit Act of 12 May 2011.
BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 14/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
XVIII. LOANS
1. Credit commissions and fees
(not applicable to credits granted to Farmers-natural persons, as referred to in item 3 below)

NO. Commission/fee title Commission/fee rate

min. 1.8% of the loan/credit
amount increase/extension in case
of increase/extension alone, not
less than PLN 2,000
1. Commission for the origination of credit/loan, extending the term of availability of credit/loan, increasing the amount of aApplication: min. 1.5% of the
credit/loan, extending the repayment of credit/loan loan/credit amount
increase/extension in case of
increase/extension alone, not less
than PLN 1,500
Commitment fee (on the undrawn amount of credit/loan) min. 50% of the margin forming
2.
Note: not applicable to a crop purchase loan (revolving) part of interest rate on credit/loan
Non-revolving credit prepayment commission
Note: not applicable to a crop purchase loan, a VAT financing loan to be repaid from VAT refund by the min. 2% of the credit facility
3. Tax Office, financing agreement, amount being repaid, not less than
Note: the commission is not charged if early repayment of the loan/part of the loan is financed by EU funds or the PLN 1,500
financed contract is the source of the loan repayment
Commission for change of the provisions of the agreement (other than specified in item 1), including for closing a
min. 0.1% of the credit facility
4. revolving credit facility at the Customer's request
amount, not less than PLN 1,000
Note: not applicable to a crop purchase loan
5. Administrative commission (as defined in the Credit Regulations) 0.075% quarterly
Preferential loan origination commission – for loans granted from 1 June 2017
Note: if the credit origination commission is less than 2%, the bank may charge fees/commissions for changes to credit max. 2% of the granted loan
6.
terms or for loan service operations, as determined on a case-by-case basis, the sum of fees/commissions during the amount
credit term may not exceed 2% of the credit amount.
to be determined on a case-by-
7. Change of legal types of credit/loan collateral at the Customer’s request case basis
min. PLN 1,0001
6. Other commissions and fees described in the loan documentation Determined individually

2. Other banking operations related to the handling of credit and loans, including those related to securing loan transactions
(this applies also to preferential loans granted until 31 December 2014)
(not applicable to credits granted to Farmers-natural persons, as referred to in item 3 below)

NO. Commission/fee title Commission/fee rate

to be determined on a case-by-
1. Issuance of a certificate stating the debt amount on account of credit facility/loan case basis1
min. PLN 300
to be determined on a case-by-
2. Issuance of the credit facility/loan repayment certificate case basis1
min. PLN 100
to be determined on a case-by-
3. Issuing a commitment letter to release collateral provided that the credit facility/loan is repaid case basis1
min. PLN 300
to be determined on a case-by-
4. Change of a repayment schedule not related to the financing term change case basis1
min. PLN 100
Visit to the Customer's registered office or place of business as part of Customer or credit/loan collateral monitoring;
5 PLN 250
also in the case of delay of credit/loan repayment (for a debt outstanding for over 30 days)
min. 0.5% of the committed
Issuance of a loan/credit facility commitment letter (the fee for issuance of a commitment letter reduces the loan
6. amount
origination fee)
not less than PLN 1,500
to be determined on a case-by-
7. Issuance of a conditional loan/credit facility commitment letter case basis1
min. PLN 200
PLN 0 – electronically via
8. Preparing a credit account statement GOonline Biznes
PLN 25 – in paper form

Preparation and sending to the Customer of information on arrears in payment of amounts due with a simultaneous call to be determined on a case-by-
9.
for payment – for each sent call sent no more often than once every 14 calendar days case basis1
min. PLN 200
to be determined on a case-by-
10. Fee for establishment of collateral by the Bank on behalf of the Customer and related activities case basis1
min. PLN 200
to be determined on a case-by-
Fee for issuance, at the Customer's request, of a copy of documents and agreements concluded between the Customer
11. case basis1
and the Bank
min. PLN 100
to be determined on a case-by-
12. Fee for giving consent/conditional consent to an no charge release of real estate from the mortgage encumbrance case basis1
min. PLN 50
Fee for untimely delivery by the Customer of the documents required to assess the Customer’s financial and economic
13. PLN 500
standing – payable monthly until the obligation is fulfilled
Fee for delivery of documents required to assess the Customer's financial and economic standing other than by
14. PLN 200
electronic banking
15. Other certificates min. PLN 500
1 If an operation is performed at the Customer’s request and the Bank intends to charge a commission higher than the minimum one, the amount of the commission due shall be agreed with the Customer before the operation
is performed.
BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 15/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
 3. Commissions and fees for credits granted to natural persons running a farm, including in the form of a civil law partnership (referred to
as “Farmer-natural person”) based on agreements concluded from 8 January 2024, subject to the Consumer Credit Act of 12 May 2011.
These commissions and fees also apply to annexes concluded with the Farmer-natural person from 8 January 2024 related to credit
agreements concluded before that date with regard to increasing the credit amount, extending the financing term, renewing the credit,
making the credit available for the subsequent current credit term.

No. Commission / fee title Commission / fee rate

min. 1.8% of the credit/loan amount
1. eWniosek: min. 1.5% of the credit/loan
Credit/loan origination fee
amount
min. 1.8% of the credit/loan
increase/extension amount in the case of
increase/extension itself, not less than
Commission for extending the term of availability of credit/loan, increasing the amount of credit/loan, extending PLN 2,000
2
the repayment of credit/loan eWniosek: min. 1.5% of the credit/loan
increase amount, in the case of
increase/extension itself, not less than
PLN 1,500
3. Standby commission/fee (calculated on an unused credit/loan amount) 2%
Max 0.5% of the repaid part of the loan, if
Prepayment fee for a non-revolving loan 1 the period between the date of loan
Note: not applicable to a crop purchase loan, a VAT financing loan to be repaid from VAT refund repayment and loan repayment does not
by the Tax Office, financing agreement exceed one year
4. Note: the fee is not charged if the prepayment of a loan or its part is made with an EU subsidy or from a financed
contract Max 1% of the repaid part of the loan, if
the period between the date of loan
repayment and loan repayment exceeds
one year
5. max. 2% of amount of the loan granted
Commission for granting a preferential loan,

Note: if the origination fee for granting a preferential loan specified in the agreement concluded from 1 June 2017
is less than 2%, the bank may charge individually agreed fees and commissions for changes to lending conditions
or credit servicing activities; the sum of fees and commissions in the financing term cannot exceed 2% of the
amount of the credit/loan granted
6. Fee for a change of credit/loan legal collateral types at a Customer’s request to be determined on a case-by-case basis
min. PLN 1,0002
7. Fee for issuing a certificate confirming the outstanding amount of the credit/loan at the Customer’s request to be determined on a case-by-case
basis2
min. PLN 300
8. Fee for issuing a full credit/loan repayment certificate at the Customer's request to be determined on a case-by-case
basis2
min. PLN 100
9. Fee for issuing a commitment letter to release collateral provided that the credit/loan has been repaid to be determined on a case-by-case
basis2
min. PLN 300
10. Fee for a change of the repayment schedule not related to the financing term change to be determined on a case-by-case
basis2
min. PLN 100
11. A fee for a visit at the Customer’s registered office or place of operation, applied in the case of a past due PLN 250
credit/loan repayment (for a debt outstanding for over 30 days)
12. Commission for issuing a credit/loan commitment letter (the fee is deducted from the origination fee) min. 0.5% of the committed amount
not less than PLN 1,500
13. Commission for issuing a conditional credit/loan commitment letter to be determined on a case-by-case
basis2
min. PLN 200
14. Fee for preparing a credit account statement at the Customer’s request PLN 0 – electronically via GOonline
Biznes
PLN 25 – in paper form

15. Fee for preparing and sending to the Customer information on arrears in the repayment of the amounts due with a to be determined on a case-by-case
simultaneous call for payment – for each sent call sent no more often than once every 14 calendar days basis2
min. PLN 200
16. Fee for issuing, at the Customer's request, a copy of documents and agreements concluded between the Customer to be determined on a case-by-case
and the Bank basis2
min. PLN 100
17. Fee for giving consent / conditional consent at the Customer’s request to an encumbrance-free release of real to be determined on a case-by-case
estate from the mortgage encumbrance basis2
min. PLN 50
18. Fee for Customer’s untimely provision of documents required for assessment of the Customer’s financial and PLN 500
economic standing - paid monthly until the obligation has been fulfilled
19. Other certificates issued at the Customer’s request to be determined on a case-by-case
basis, min. PLN 500
The amount of the commission cannot exceed:
a) the amount of interest which the Customer would be obliged to pay during the period between early Credit repayment and the last day of the financing term (the interest rate applicable on the date of actual repayment shall be used to
calculate the amount of interest referred to above); and
b) direct costs of the Bank related to the repayment

The Bank shall not charge a fee for Credit prepayment if one or more of the following circumstances occur:
a) the repayment does not fall within a period for which the Credit interest rate is fixed;
b) the Credit amount repaid during 12 (twelve) subsequent months is lower than or equal to three times the average remuneration in the enterprise sector, as published by the President of the Central Statistical Office in “Monitor Polski”,
the Official Journal of the Republic of Poland, from December preceding the credit repayment year;
c) the Credit is prepaid due to termination of the Agreement by the Customer with observance of the notice period, on the date on which the entire Credit amount is due,
d) in the case of agreements where the repayment was made in accordance with the w insurance contract concluded to secure Credit repayment.

2
If an operation is performed at the Customer’s request and the Bank intends to charge a commission higher than the minimum one, the amount of the commission due shall be agreed with the Customer before the operation is performed.

BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 16/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
XIX. FINANCIAL INSTITUTIONS

Additional fees for the Bank's function as Payment Agent

NO. Commission/fee title Commission/fee rate

1. Fee for making available the function of Paying Agent. Single fee of PLN 3,000

2. Fee for the Bank holding a function of Paying Agent. Fee charged for the (sub)fund Monthly PLN 2,000

3. Fee for an account maintained in connection with the Bank’s Paying Agent function Monthly PLN 500

XX. SUPPORTED PRODUCTS*

Products withdrawn from sale – refers to the Large Enterprise Segment Customers who signed a comprehensive agreement with the Bank for maintenance of bank accounts, use of
electronic banking systems and providing other bank services, from 15 April 2013 until 10 November 2016, and customers served by branches of Bank BGŻ S.A. before the merger date.
NO. Chapter Commission/fee title Commission/fee rate
Service and maintenance of bank Maintenance of an auxiliary account in PLN or convertible currencies and of a subsidy account
1. PLN 50
accounts in PLN (monthly fee)
Non-cash transactions – Carrying out
Data correction or cancellation of an outgoing transfer at the payer's request (if possible) after
explanatory/complaint procedures when
2. its receipt by the Bank, and prior to sending a payment message to settlement systems – PLN 10
the reason for the complaint is not
Domestic transfers in PLN – GOonline Biznes
attributable to the Bank
Non-cash transactions – Standing
3. Setting/change/cancellation of a standing order from an account in an electronic form PLN 0
orders
Non-cash transactions – Standing
4. Setting/change/cancellation of a standing order from an account in a written form PLN 0
orders
Non-cash transactions – Standing
5. Execution of a standing order into an account in the Bank PLN 0
orders
Non-cash transactions – Standing
6. Execution of a standing order into an account in another bank PLN 3
orders
Cash transactions - Cash deposits
Deposit in coins of more than 100 coins, charged on the value of the deposit in coins, charged
7. (commission rates are charged on the 0.5%, min. PLN 4
together with the commission on open cash deposit
deposit amount)
Cash transactions - Cash deposits
Deposit in coins of more than 100 coins, charged on the value of the deposit in coins, charged to be determined on
8. (commission rates are charged on the
together with the commission for a sealed-bag cash deposit a case-by-case basis
deposit amount)
Cash transactions - Cash deposits
9. (commission rates are charged on the For each case when the Daily Limit set for Payments in Sealed Bags is exceeded PLN 200
deposit amount)
Cash transactions – Cash withdrawals
10. (commission rates are charged on the Failure to notify of a withdrawal in the amount requiring an advice PLN 60
withdrawal amount)
to be determined on
11. Cash transactions – Other services Cash-in-transit service
a case-by-case basis
12. Deposit products - Term deposits Account opening and maintenance PLN 0
13. Deposit products - Term deposits Transfer of funds or interest from a PLN deposit to an account in another bank PLN 5
The same as for a cross-
border transfer in
foreign currencies and
14. Deposit products - Term deposits Transfer of funds or interest from a foreign currency deposit to an account in another bank
PLN and domestic
transfer in foreign
currencies
15. Deposit products - Term deposits Providing written information about the account balance PLN 25
Withdrawal on the basis of a cheque accepted for collection issued by another bank 0.5% of the amount, min.
16. Other actions in domestic transactions
Note: it applies to the withdrawal of the cheque amount in a cash and non-cash form PLN 12
Issuance of a key to the door of the Bank's night drop box if the previous key is lost or not
17. Other actions in domestic transactions PLN 300
returned upon the Bank’s demand
18. Other actions in domestic transactions For the issuance of a key to the door of the night drop box of an external sorting room PLN 80
Acceptance of valuables or documents for safekeeping at the request of the Bank's Customer
Acceptance of valuables or documents
(monthly fee)
19. for safekeeping at the request of the PLN 100
Note 1: The fee is charged for each valuable or document accepted for safekeeping
Bank's Customer
Note 2: The fee can be waived
Maintenance of one current account in PLN
Maintenance of one placement account in PLN
20. e-Biznes Lider Prestiż commission plan PLN 20
Use of the online banking system (issuance and use of up to three tokens)
Issuance and use of one debit card under a PLN bank account
21. e-Biznes Lider Prestiż commission plan Maintenance of each subsequent bank account in PLN or convertible currencies (monthly fee) PLN 20
22. e-Biznes Lider Prestiż commission plan Domestic transfer via GOonline Biznes PLN 0.9
23. e-Biznes Lider Prestiż commission plan PLN and foreign currency transfer in electronic form into own account in the Bank PLN 0
24. e-Biznes Lider Prestiż commission plan Domestic transfer in PLN made in the Bank's Branch PLN 25
25. e-Biznes Lider Prestiż commission plan Open cash payments in PLN (the commission rate is calculated on the payment amount) 0.5% min. PLN 10
26. e-Biznes Lider Prestiż commission plan Open cash withdrawal (the commission rate is calculated on the withdrawal amount) 0.5% min. PLN 10
Maintenance of one current account in PLN
Agro Lider Prestiż commission plan – the
Maintenance of one placement account in PLN
27. package only for persons engaged in PLN 20
Use of the online banking system (issuance and use of one token)
agricultural production activity
Issuance and use of one debit card under a PLN bank account
Agro Lider Prestiż commission plan – the
Maintenance of each subsequent bank account in PLN or convertible currencies
28. package only for persons engaged in PLN 19
(monthly fee)
agricultural production activity
Agro Lider Prestiż commission plan – the
29. package only for persons engaged in Domestic transfer via GOonline Biznes PLN 1.5
agricultural production activity
Agro Lider Prestiż commission plan – the
30. package only for persons engaged in PLN and foreign currency transfer in electronic form into own account in the Bank PLN 0
agricultural production activity
BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 17/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl
 Agro Lider Prestiż commission plan – the
Domestic transfer in PLN made in the Bank's Branch (into an account held in the Bank/into an
31. package only for persons engaged in PLN 7
account held in another bank)
agricultural production activity
Agro Lider Prestiż commission plan – the
32. package only for persons engaged in Open cash payment in PLN PLN 0
agricultural production activity
Agro Lider Prestiż commission plan – the
33. package only for persons engaged in Open cash withdrawal in PLN PLN 0
agricultural production activity
Agro Lider Prestiż commission plan – the
34. package only for persons engaged in Withdrawals from ATMs in Poland PLN 0
agricultural production activity
Agro Lider Prestiż commission plan – the
35. package only for persons engaged in Checking account balance in ATMs in Poland PLN 0
agricultural production activity
Maintenance of one current account in PLN
Agro Lider Plus commission plan – the
Maintenance of one placement account in PLN PLN 20
36. package only for persons engaged in
Use of the online banking system (issuance and use of one token) (total monthly fee)
agricultural production activity
Issuance and use of one debit card under a PLN bank account
Agro Lider Plus commission plan – the
37. package only for persons engaged in Domestic transfer via GOonline Biznes/Call Centre PLN 0
agricultural production activity
Agro Lider Plus commission plan – the
38. package only for persons engaged in PLN and FC transfer in electronic form into own account in the Bank PLN 0
agricultural production activity
Agro Lider Plus commission plan – the
Domestic transfer in PLN made in the Bank's Branch (into an account held in the Bank/into an
39. package only for persons engaged in PLN 6
account held in another bank)
agricultural production activity
Agro Lider Plus commission plan – the
40. package only for persons engaged in Open cash payment in PLN PLN 0
agricultural production activity
Agro Lider Plus commission plan – the
41. package only for persons engaged in Open cash withdrawal PLN 0
agricultural production activity
Agro Lider Plus commission plan – the
42. package only for persons engaged in Withdrawals from ATMs in Poland PLN 0
agricultural production activity
Agro Lider Plus commission plan – the
43. package only for persons engaged in Checking account balance in ATMs in Poland PLN 0
agricultural production activity
Placement accounts: Agro Eskalacja and Biznes Eskalacja
Account opening and maintenance free of charge
Transfer of receivables from the account
PLN 33
44. (fee charged in the case of assignment in favour of another natural or legal person)
Cash payment into an account 0.5%, min. PLN 5
Execution of each transfer from the Agro Eskalacja placement account PLN 10
Execution of each transfer from the Biznes Eskalacja placement account PLN 25

* For actions not listed in this Chapter, commissions and fees are charged in amounts determined in other Sections
Supported products
NO. Chapter Commission/fee title Commission/fee rate
Service and maintenance of bank
1. Maintenance of a current progressive account/progressive account/placement account PLN 200
accounts
2. Deposit products O/N deposit - Account maintenance (monthly fee charged for each account) PLN 50

BNP Paribas Bank Polska Spółka Akcyjna, with its seat in Warsaw, at ul. Kasprzaka 2, 01-211 Warsaw, entered into the Register of Entrepreneurs of the National Court 18/18
Register (KRS) maintained by the District Court for the capital city of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, under KRS number:
0000011571 and VAT PL: 5261008546 (NIP), holding paid-up share capital of PLN 147,799,870. www.bnpparibas.pl