BRAC Bank PLC.

SCHEDULE OF CHARGES
Deposits & NFB, Retail Banking
Effective from January 01, 2025

Triple Benefits Savings Account / TARA Triple Benefits Savings Account

Half Yearly Account Maintenance Fee Half-Yearly average balance Tk. 10,000 and below : Free.
Half-Yearly average balance above Tk. 10,000 to Tk 25,000 : Upto Tk 100 Half-Yearly.
Half-Yearly average balance above Tk. 25,000 to Tk. 200,000 : Upto Tk. 200 Half-Yearly.
Half-Yearly average balance above Tk. 200,000 to Tk. 1,000,000 : Upto Tk. 250 Half-Yearly.
Half-Yearly average balance above Tk. 1,000,000: Upto Tk. 300 Half-Yearly
Chequebook available Upon Request*
VISA / MasterCard Debit Card Fee (annual) Upto Tk. 600 .
From second year onwards Charge will be waive, if average balance is Tk 50,000 & above
TARA VISA / Mastercard Debit Card Fee (annual) TARA Debit Card is free for First year. Debit Card fee will be TK.500+VAT from second year onwards .Charge will be
waive, if average balance is Tk 50,000 & above.
Debit Card Replacement Charge Tk. 300
TARA Debit Card Replacement Charge There is no replacement fee when an existing customers changes her card to TARA Debit Card. However once a
customer receives the TARA Debit Card will be charged for replacement fee 300+VAT from next time onwards.

Future Star Account (Chequebook not available)

Minimum Opening Deposit No minimum opening deposit required

Minimum Amount Required to Earn Interest Any amount greater than zero
Account Maintenance Fee No yearly / half yearly account maintenance fee
VISA / MasterCard Debit Card Fee (annual) Free
Debit Card Replacement Charge Upto Tk. 100

Golden Benefit Savings Account/TARA Golden Benefit Savings Account

Half Yearly Account Maintenance Fee Half-Yearly average balance Tk. 10,000 and below : Free.
Half-Yearly average balance above Tk. 10,000 to Tk 25,000 : Upto Tk 100 Half-Yearly.
Half-Yearly average balance above Tk. 25,000 to Tk. 200,000 : Upto Tk. 200 Half-Yearly.
Half-Yearly average balance above Tk. 200,000 to Tk. 1,000,000 : Upto Tk. 250 Half-Yearly.
Half-Yearly average balance above Tk. 1,000,000 : Free
Chequebook available Upon Request*
VISA / MasterCard Debit Card Fee (annual) Tk. 600 .
From second year onwards Charge will be waive, if average balance is Tk. 100,000 & above
TARA VISA / Mastercard Debit Card Fee (annual) TARA Debit Card is free for First year. Debit Card fee will be TK.600+VAT from second year onwards .Charge will be
waive, if average balance is Tk. 100,000 & above.
Debit Card Replacement Charge Tk. 300

Happy Savers Account/TARA Happy Savers Account (Chequebook not available)

Minimum Amount Required to Earn Interest Any amount greater than Zero
Half Yearly Account Maintenance Fee Half-Yearly average balance Tk. 10,000 and below : Free.
Half-Yearly average balance above Tk. 10,000 to Tk 25,000 : Upto Tk 50 Half-Yearly.
Half-Yearly average balance above Tk. 25,000 to Tk. 200,000 : Upto Tk. 100 Half-Yearly.
Half-Yearly average balance above Tk. 200,000 to Tk. 1,000,000 : Upto Tk. 150 Half-Yearly.
Half-Yearly average balance above Tk. 1,000,000 : Upto Tk. 300 Half-Yearly.
VISA / MasterCard Debit Card Fee (annual) Upto Tk. 300 will charged upfront from the first year onwards.
TARA VISA / MasterCard Debit Card Fee (annual) Free for the first year. Tk. 300 will be charged upfront from the second year onwards.

Savings Classic Account

Half-Yearly average balance Tk. 10,000 and below : Free.

Half-Yearly average balance above Tk. 10,000 to Tk 25,000 : Upto Tk 100 Half-Yearly.
Half Yearly Account Maintenance Fee Half-Yearly average balance above Tk. 25,000 to Tk 200,000 : Upto Tk 200 Half-Yearly.
Half-Yearly average balance above Tk. 200,000 to Tk. 1,000,000 : Upto Tk. 250 Half-Yearly
Half-Yearly average balance above Tk. 1,000,000 : Upto Tk. 300 Half-Yearly.
Chequebook available Upon Request*
VISA / MasterCard Debit Card Fee (annual) Upto Tk. 600
Debit Card Replacement Charge Tk. 300

AGAMI Savers
Minimum Amount Required to Earn Interest Any amount greater than zero
Account Maintenance Fee Free
Multi-currency VISA Debit Card Fee (annual) Free
Debit Card Replacement Charge Tk. 300
InterCity Charge Free
Chequebook Issue Fee First Order Only 5 Leaves Cheque book will be allowed charge free
From Second Order Onwards for 10 Leaves 200 Tk and 20 Leaves 400 Tk Will be charged

TARA AGAMI Savers

Minimum Amount Required to Earn Interest Any amount greater than zero
Account Maintenance Fee Free
Multi-currency VISA Debit Card Fee (annual) Free
Debit Card Replacement Charge Tk. 300
InterCity Charge Free
Chequebook Issue Fee First Order Only 5 Leaves Cheque book will be allowed charge free
From Second Order Onwards for 10 Leaves 200 Tk and 20 Leaves 400 Tk Will be charged
 EZEE Savings Account / TARA EZEE Savings Account

Half Yearly Account Maintenance Fee Half-Yearly average balance Tk. 10,000 and below : Free.
Half-Yearly average balance above Tk. 10,000 to Tk 25,000 : Upto Tk 100 Half-Yearly.
Half-Yearly average balance above Tk. 25,000 to Tk. 200,000 : Upto Tk. 200 Half-Yearly.
Half-Yearly average balance above Tk. 200,000 to Tk. 1,000,000 : Upto Tk. 250 Half-Yearly.
Half-Yearly average balance above Tk. 1,000,000: Upto Tk. 300 Half-Yearly.
Chequebook available Upon Request*
VISA / MasterCard Debit Card Fee (annual) Tk. 300 .
From second year onwards Charge will be waive, if average balance is Tk. 50,000 & above
TARA VISA / Mastercard Debit Card Fee (annual) TARA Debit Card is free for First year. Debit Card fee will be TK.300+VAT from second year onwards .Charge will be
waive, if average balance is Tk. 50,000 & above.
Debit Card Replacement Charge Tk. 300
TARA Debit Card Replacement Charge There is no replacement fee when an existing customers changes her card to TARA Debit Card. However once a
customer receives the TARA Debit Card will be charged for replacement fee 300+VAT from next time onwards.

Mukti Account /TARA Mukti Account

Half Yearly Account Maintenance Fee Free if Half yearly avarage balance is 1,00,000 or Above else Charge is Applicable BDT 300.
Chequebook available Upon Request*
Inter-City / Online Transaction Charges Free
Tk. 600 .
VISA / MasterCard Debit Card Fee (annual)
From second year onwards Charge will be waive, if average balance is Tk. 100,000 & above
TARA VISA / Mastercard Debit Card Fee (annual) TARA Debit Card is free for First year. Debit Card fee will be TK.500+VAT from second year onwards .Charge will be
waive, if average balance is Tk. 50,000 & above.
Debit Card Replacement Charge Tk. 300
There is no replacement fee when an existing customers changes her card to TARA Debit Card.
However once a customer receives the TARA Debit Card will be charged for replacement fee 300+VAT from next time
TARA Debit Card Replacement Charge
onwards

Current Plus Account

Half Yearly Account Maintenance Fee Upto Tk. 300

Chequebook available Upon Request*
Inter-City / Online Transaction Charges Free
VISA / MasterCard Debit Card Fee (annual) Tk. 600 .
From second year onwards Charge will be waive, if average balance is Tk. 50,000 & above
Debit Card Replacement Charge Tk. 300

Current Classic Account

Half Yearly Account Maintenance Fee Upto Tk. 300
Chequebook available Upon Request*
VISA / MasterCard Debit Card Fee (annual) Upto Tk. 600
Debit Card Replacement Charge Tk. 300

Ezee Current Account (Chequebook not available)

VISA / MasterCard Debit Card Fee (annual) Upto Tk. 600
Debit Card Replacement Charge Tk. 300

Current Salary Account

Minimum Amount Required to Earn Interest Any amount greater than zero
Account Maintenance Fee Free
Chequebook Issue Fee (Upon request) Tk 300 for 15 pages & Tk. 400 for 20 pages
VISA / MasterCard Debit Card Annual Fee Upto Tk. 300
Debit Card Replacement Fee Tk. 300

Employee Banking Smart Savers - PREMIUM

Minimum Amount Required to Earn Interest Any Amount
Account Maintenance Fee Free
First Chequebook Issue Fee (Upon request) Free
2nd Chequebook Issue Fee (Upon request) Tk. 100 for 10 pages & Tk. 200 for 20 pages
VISA / MasterCard Debit Card Annual Fee Free
Debit Card Replacement Fee including TARA Free (once a year)
e-Statements Free
SMS Banking Free
Internet Banking Annual Fee Free
PIN Replacement Charge (Through Call Center) Free
Duplicate Account Statement Charge Free (twice a year)
Tax Certificate (Account) Charge Free
Intercity Transaction Fee Free
Account Closing Fee Upto Tk. 200

Probashi Shubidha Current Account (Chequebook not available)

Account Maintenance Fee Free

VISA / MasterCard Debit Card Fee (annual) Upto Tk. 300
Debit Card Replacement Charge Tk. 300

Current Taka Account for Foreigners (Chequebook not available)

Account Maintenance Fee Upto Tk. 300

VISA Debit Card Fee (annual) Upto Tk. 600
Debit Card Replacement Charge Tk. 300
 Convertible Taka Account

Account Maintenance Fee Free

Chequebook available Upon Request*
VISA Debit Card Fee (annual) Upto Tk. 600
Debit Card Replacement Charge Tk. 300

Resident Foreign Currency Deposit - RFCD Account (Chequebook not available)

Account Maintenance Fee Free

VISA Debit Card Fee (Annual) Upto USD 10
Cash Withdrawal Charge for ATMs outside Bangladesh Upto USD 3(Including VAT)
Debit Card Replacement Fee USD 3

Current Foreign Currency Deposit Account

Account Maintenance Fee Free

Chequebook Only 15 pages cheque book will be issued. Only 1 (one) cheque book will be issued free of charge in a month, if more
than 1 (one) cheque book is requested within the same month, then charge will be applicable from the second cheque
book onwards @ USD 5 or equivalent FCY
VISA Debit Card Fee (Annual) Upto USD 10
Cash Withdrawal Charge for ATMs outside Bangladesh Upto USD 3(Including VAT)
Debit Card Replacement Fee USD 3

Non-Resident Foreign Currency Deposit - NFCD Account (Chequebook not available)

Minimum Amount Required to Earn Interest USD 1,000 or GBP 500 or its equivalent
Term of Deposit to Earn Interest 1 / 3 / 6 / 12 Months
Account Maintenance Fee Free

Current FCY Account for Foreign Nationals (Chequebook not available)

Account Maintenance Fee Free

VISA Debit Card Fee (Annual) Upto USD 10
Cash Withdrawal Charge for ATMs outside Bangladesh Upto USD 3(Including VAT)
Debit Card Replacement Fee USD 3

FCY Account for Non-Resident Bangladeshi (Chequebook not available)

Account Maintenance Fee Free

VISA Debit Card Fee (Annual) Upto USD 10
Cash Withdrawal Charge for ATMs outside Bangladesh Upto USD 3(Including VAT)
Debit Card Replacement Fee USD 3

Freelancer Matrix (ERQ) Account (Chequebook not available)

Account Maintenance Fee Free

VISA Debit Card Fee (Annual) Free for first year. Upto USD 10 from second year onwards
Cash Withdrawal Charges for ATMs outside Bangladesh Upto USD 3 (Including VAT)
Debit Card Replacement Fee USD 3

Freelancer Matrix Savings Account (LCY)

Half Yearly Account Maintenance Fee Half-Yearly average balance Tk. 10,000 and below : Free.
Half-Yearly average balance above Tk. 10,000 to Tk 25,000 : Upto Tk 100 Half-Yearly.
Half-Yearly average balance above Tk. 25,000 to Tk. 200,000 : Upto Tk. 200 Half-Yearly.
Half-Yearly average balance above Tk. 200,000 to Tk. 1,000,000 : Upto Tk. 250 Half-Yearly.
Half-Yearly average balance above Tk. 1,000,000: Upto Tk. 300 Half-Yearly
Chequebook available Upon Request*
VISA / MasterCard Debit Card Fee (annual) Upto Tk. 600 .
From second year onwards Charge will be waive, if average balance is Tk 50,000 & above
TARA VISA / Mastercard Debit Card Fee (annual) TARA Debit Card is free for First year. Debit Card fee will be TK.500+VAT from second year onwards .Charge will be
waive, if average balance is Tk 50,000 & above.
Debit Card Replacement Charge Tk. 300
TARA Debit Card Replacement Charge There is no replacement fee when an existing customers changes her card to TARA Debit Card. However once a
customer receives the TARA Debit Card will be charged for replacement fee 300+VAT from next time onwards.

Freelancer Matrix Current Account (LCY)

Half Yearly Account Maintenance Fee Upto Tk. 300

Chequebook available Upon Request*
Inter-City / Online Transaction Charges Free
VISA / MasterCard Debit Card Fee (annual) Upto Tk. 600 .
From second year onwards Charge will be waive, if average balance is Tk 50,000 & above
Debit Card Replacement Charge Tk. 300

Medical Quota Multi-Currency Debit Card Related Fees & Charges

Medical Quota Multi-Currency Debit Card Fee (annual) Debit Card fee will be TK.1000+VAT
Medical Quota Multi-Currency Debit Card Replacement Charge Tk. 300+VAT

TakaPay Debit Card Related Fees & Charges

TakaPay Debit Card Fee (annual) TK.400+VAT

TakaPay Debit Card Fee for Tara Customers (annual) TARA Debit Card is free for first year. Debit Card fee will be TK.300+VAT from second year and onwards.

TakaPay Debit Card Replacement Charge TK.300+VAT

 Account Related Fees & Charges

Duplicate Account Statement (Through Branch) Upto Tk. 100 (last 12 months), Upto Tk. 100 (previous every 12 months)
Duplicate Account Statement (Through ATM) Upto Tk. 100 (last 6 months)
DPS/FDR Account Statement Upto Tk. 200
Dormant Account Activation Free
• For Saving Accounts, if no customer induced transaction takes place in savings account for 2 years then the account will be marked as “Dormant".
• For Current Accounts, if no customer induced transaction takes place in current account for 1 year then the account will be marked as “Dormant".
Account Closing Fee for Current Accounts Upto Tk. 300
Account Closing Fee for Savings Accounts Upto Tk. 200

ATM/Debit Card Related Fees & Charges

PIN Generation (Through Call Center) Free

Uncollected Card Destruction Charge Free
Cash Withdrawal from Other Bank VISA ATMs (Per Withdrawal) Upto Tk. 15

Cash Withdrawal from Other Bank MasterCard ATMs (Per Upto Tk. 15
Withdrawal)

Video Record Checking Upon Accountholder's Request for Any Upto Tk. 2,000
Dispute (Within Dhaka)

Video Record Checking Upon Accountholder's Request for Any Upto Tk. 3,000
Dispute (Outside Dhaka)

Cash Withdrawal (Charges will be applicable on using BRAC Upto Tk. 15

Bank Card at NPSB member banks’ ATM terminals).

Balance Enquiry (Charges will be applicable on using BRAC Upto Tk. 5

Bank Card at NPSB member banks’ ATM terminals).

Mini statement (Charges will be applicable on using BRAC Bank Upto Tk. 5
Card at NPSB member banks’ ATM terminals)

Cash Withdrawal Charges for ATMs outside Bangladesh for Multi- Upto Tk. 250
Currency Debit Card
Cheque Book Related Fees & Charges
Tk. 200 for 10 pages
*Cheque Book Charges Tk. 300 for 15 pages
Tk. 400 for 20 pages
Uncollected Chequebook Destruction
(Applied but not collected within 3 months)Uncollected
Upto Tk. 100
Chequebook Destruction
(Applied but not collected within 3 months)
Cheque Dishonour fee Upto Tk. 50 each time
Stop Payment Instruction Upto Tk. 100
Stop Payment Cancellation Upto Tk. 50
Bangladesh Bank Cheque Issue Upto Tk. 200
Cheque Collection (Outstation) – LCY – via BRAC Bank Branch Free

Cheque Collection (Outstation) – LCY – via Other Bank’s Branch Upto Tk. 200

Cheque Purchase – LCY Upto Tk. 500

Cheque Collection Outward (FCY) in BD Upto USD 5 per cheque
Cheque Collection Outward (FCY) outside BD 0.25% (minimum USD 35)
Cheque Purchase – FCY 1% (minimum USD 45)
Cheque Clearing (below BDT 50K) NILL
High Value Cheque Clearing (BDT 5 lac & above) Upto Tk. 60
Regular Value Cheque Clearing (BDT 50K to < BDT 5 lac) Upto Tk. 10

Regular Value Cheque Clearing (5 lac & above) Upto Tk. 25

Any other EFT transaction NILL
Inter-City / Online Charges , Fund Transfer & RTGS
Account to Account Transfer from ATM (Below / Equal To Tk 1 Free
lac)

Account to Account Transfer from Branch (Above Tk. 1 lac) Free

Account to Account Transfer from Branch (Below Tk. 1 lac) Upto Tk. 250

Below Tk. 20,000: Upto Tk. 50

Tk 20,000 to below 1 lac : Upto Tk. 100
Tk 1 lac to below Tk. 2 lac: Upto Tk. 200
Online Transaction (Inter-City) Deposit Tk 2 lac to below Tk. 5 lac: Upto Tk. 300
Tk 5 lac to below Tk. 10 lac: Upto Tk. 500
Tk 10 lac to below Tk. 20 lac: Upto Tk. 1,000
Tk. 20 lac and above: Upto Tk. 1,500
Online Transaction (Inter-City) Withdrawal Below Tk. 20,000: Upto Tk. 50
Tk 20,000 to below 1 lac : Upto Tk. 100
Tk 1 lac to below Tk. 2 lac: Upto Tk. 200
Tk 2 lac to below Tk. 5 lac: Upto Tk. 300
Tk 5 lac to below Tk. 10 lac: Upto Tk. 500
Tk 10 lac to below Tk. 20 lac: Upto Tk. 1,000
Tk. 20 lac and above: Upto Tk. 1,500
Real Time Gross Settlement (RTGS) Upto Tk. 100 (Including VAT), Free for Government Revenue & all other payments related to Government revenue
 Pay-Order, Demand Draft & FTT Fees & Charges
Upto Tk 1000 : Upto Tk. 20
Pay Order Issuance (LCY) Tk. 1001-Tk 100,000: Upto Tk 50
Above Tk. 1 lac : Upto Tk. 100
Pay Order Cancellation (LCY) Upto Tk. 50 for each cancellation
Upto Tk 100,000 : Upto Tk. 100
Tk. 100,001-Tk 500,000: Upto Tk 200
Foreign Demand Draft (FCY) Issue
Tk. 500,001-Tk 1,000,000: Upto Tk 300
Above Tk. 10,00,000: Upto Tk. 500
Foreign Demand Draft Cancellation (FCY) Upto Tk. 200 for each cancellation
Upto Tk 100,000 : Upto Tk. 100
Tk. 100,001-Tk 500,000: Upto Tk 200
FTT (SWIFT)
Tk. 500,001-Tk 1,000,000: Upto Tk 300
Above Tk. 10,00,000: Upto Tk. 500
FTT (SWIFT) Advice Cancellation Upto Tk. 200
Foreign Correspondence Charges Upto Tk. 500
Nostro Bank Charge At Actual
Certificates Related Fees & Charges

Certificate of Inward Remittance Upto Tk. 100 (last 12 months), and Upto Tk. 100 (previous every 12 months)
Duplicate Tax(TDS)/VAT(VDS) Certificate for Inward/Outward Upto Tk. 500
Remittance
BO Account Certificate Upto Tk. 100
Free (2 times)
For 3 times or more: BDT 100 each
Balance Confirmation Certificate with Statement for Deposit : Free twice a year (half yearly basis) Upto BDT 100 for 3rd request onwards (hardcopy)
(Free for all times; if request for softcopy through Call Center)
Tax Certificate (Account/FDR/DPS/Loan) Free
Solvency Certificate Upto Tk. 200

Foreign Currency Fees & Charges

FCY Issue Upto 1% (Free if withdrawn from accountholder's own RFCD or FCY account)
FCY Encashment for Accountholder Upto Tk. 100
Passport Endorsement (Accountholder) Upto Tk. 500
Passport Endorsement (Non-Accountholder) Upto Tk. 500
Commission on FCY Sales Upto 2% of FCY Sales amount
Certificate of CASH - Accountholder Upto Tk. 200
Certificate of CASH - Non-Accountholder Upto Tk. 300

Locker Charges

Locker Facility – Small (Yearly) Upto Tk. 4,900 for Dhaka & CTG Branches, Upto Tk. 4,200 for remaining Branches, 10% Discount for TARA and
Golden Benefit Account
Locker Facility – Medium (Yearly) Upto Tk. 7,200 for Dhaka & CTG Branches, Upto Tk. 6,300 for remaining Branches, 10% Discount for TARA and
Golden Benefit Account
Locker Facility – Large (Yearly) Upto Tk. 10,000 for Dhaka & CTG Branches, Upto Tk. 7,700 for remaining Branches, 10% Discount for TARA and
Golden Benefit Account
Locker Key Replacement Fee Upto Tk. 1,000 + Key replacement cost at actual

Education and Medical Related Service Fees & Charges

Student Services – New File Opening/ Maintenance Upto Tk. 7,000 (yearly), For TARA and Golden Benefit Savings Accountholders, Upto Tk 6,500
Revised NOC for Student File Upto Tk. 1,000
Student Services – File Renewal Upto Tk. 6,000, For TARA and Golden Benefit Savings Accountholders, Upto Tk 5,500
Medical Services – File Maintenance Upto Tk. 2,000
Student File Transfer Fee Upto Tk. 3,000

Miscellaneous Fees & Charges

Mail Forwarding Abroad Upto Tk. 200

Cash Withdrawal Slip (Not applicable for Future Star Account) Upto Tk. 300

Lien marking of Term Deposit (against any facility or requested Upto Tk. 500
by other banks).
Sanchoy Patra & Bond Duplicate issue charge Upto Tk. 500
BRAC Bank Statement Verification Upto Tk. 500
Duplicate Instrument Issue (FD, FDD, PO, etc.) Free
Salary Disbursement Charge Upto Tk. 10 per account, Min Tk. 500, Max Tk. 2500
Standing Instruction Set up Upto Tk. 100
Standing Instruction for Transfer of Funds Between Accounts Upto Tk. 20

Courier Charge (For overseas clients) Upto Tk. 300

Auxiliary Service Fees

Call Center Free

e-Statements Free
SMS Alert Fee Upto Tk. 250 (Annual)

Internet Banking

Internet Banking Yearly Charge Free

SMS OTP Free
* VAT is applicable @ 15% on all fees, charges & commissions effective from 1st July, 2002, as per Government Circular No. SRO 117-LAW/2002/342-VAT dated 6th June, 2002.

* All overseas transactions will be converted using VISA/Mastercard exchange rates. A foreign currency factor of 3% will be applied in case of overseas transactions when the transaction currency is non US$.

* In reference to PSD circular dated July 7, 2021, no charges will be realized for VAT/Customs/Challan payment for govt. transactions through RTGS channel.

* For Loan EMIs, clearing cheque charges will be borne by the Bank.
* BRAC Bank reserves the right to amend the terms, conditions or rates stated above and to assess charges on transactions which are not covered by this schedule.
* The above schedule of charges will not be applicable for any special /promotional offer. The fees or charges mentioned in the special/promotional offer will apply.
* Govt. Excise Duty is applicable as per Government Regulations .
* The revised locker charges except for Locker key replacement fees are effective from 1st July 2020.
* In reference to Master circular, BRPD-circular letter No-21, dated 11 April 2021, Schedule of Charges regarding savings account maintenance fee, charge will be realized for accounts with average balance up
to 10 lac at the end of December 2021 once in 2021.

Ver:2