Volkswagen - Plus - Konto Biznesowe




volkswagen


1. WSTĘP

Volkswagen Bank direct oferuje Ci konto firmowe Plus Konto Biznes wraz z wygodną firmową kartą płatniczą VISA Electron Biznes.

Plus Konto Biznes to:

  • wysokie oprocentowanie rachunku, porównywalne z oprocentowaniem lokat terminowych,

  • brak opłat za otwarcie i prowadzenie rachunku, miesięczne wyciągi, a także przelewy i zlecenia (w tym ZUS i US) wykonane przez internet,

  • pełna swoboda: brak wymagań co do minimalnych wpływów na konto oraz do terminu utrzymywania środków,

  • dostępność dla każdej firmy niezależnie od formy prawnej prowadzonej działalności,

  • szybkość i wygoda: dostęp przez telefon i internet 24h,

  • wygodna firmowa karta płatnicza VISA Electron Biznes,

  • opcjonalnie do konta dostępny jest zaawansowany system obsługi rachunku typu corporate banking BIZNESbanking.

W ofercie dla biznesu znajdziesz również lokaty i fundusze inwestycyjne oraz ofertę na finansowanie zakupu samochodów.


2. WPŁATY I WYPŁATY

Wpłaty możemy dokonać:

  • Bezpośrednim przelewem wypłaty od pracodawcy na rachunek.

  • Przekazem pocztowym na poczcie

  • Przelewem z innego rachunku

Wypłaty:

Posiadając Konto e-direct możesz BEZPŁATNIE korzystać z ponad 7 tysięcy działających w systemie VISA bankomatów w Polsce. Wystarczy, że wypłacisz z nich jednorazowo kwotę 400 PLN lub większą. Za pobranie mniejszej sumy zapłacisz zawsze stałą, niewielką opłatę 1,50 PLN. Za pomocą otrzymanej karty możemy również płacić w punktach sprzedaży. Ponadto pieniądze znajdujące się na naszym rachunku możemy wykorzystać do zlecania różnego rodzaju płatności i przelewów.


3. KARTY

Karta VISA Electron Biznes to elektroniczna karta debetowa o zasięgu międzynarodowym, wydawana do firmowego rachunku Plus Konto Biznes.
Do rachunku może być wydana dowolna liczba kart. Kartami mogą posługiwać się posiadacze rachunku lub osoby przez nich wskazane. Właściciel Konta ma możliwość zmiany dziennych limitów wartości transakcji bezgotówkowych, a także dziennych limitów wartości i liczby transakcji bankomatowych dla poszczególnych kart. Pozwala to na dokładną kontrolę kosztów i wydatków przedsiębiorstwa.

volkswagen

VISA Electron Biznes to:

  • bezpłatne dokonywanie transakcji bezgotówkowych w kraju i zagranicą,

  • dostęp do rachunku firmy za pomocą wszystkich krajowych i zagranicznych bankomatów oznaczonych logo VISA,

  • możliwość zdefiniowania dziennych limitów transakcji, kontrola kosztów firmy,

  • wygoda i niski koszt, karta ważna jest 2 lata.


4. LOKATY

Volkswagen Bank direct oferuje dwa rodzaje lokat dla firm - w zależności od potrzebnego okresu. Lokata Plus Biznes to inwestycja na czas z przedziału 30 - 360 dni. W zależności od potrzeb Twojej firmy indywidualnie określasz wymaganą długość lokaty. Jeśli firma dysponuje krótkoterminowymi nadwyżkami środków proponujemy Lokatę Overnight Plus - jednodniowy depozyt z opcją automatycznego przedłużania.

Lokata Plus Biznes to:

  • atrakcyjna inwestycja: brak opłat za założenie i obsługę lokaty,

  • elastyczny okres inwestowania: okres, na jaki powierzasz nam swoje oszczędności, określasz samodzielnie. Do wyboru masz termin od 30 do 360 dni. W zależności od własnych potrzeb lokatę możesz automatycznie przedłużyć.

  • wysokie oprocentowanie: zależy od okresu lokaty oraz wysokości zgromadzonych środków. Im wyższa kwota – tym wyższe oprocentowanie.

Lokata Overnight Plus

Lokata Overnight Plus to jednodniowy depozyt terminowy w PLN z opcją automatycznego przedłużania lokaty. Minimalna kwota lokaty to 500.000 PLN. Wysokość oprocentowania Lokaty Overnight Plus ustalana jest każdego dnia. Konsultanci podają je do wiadomości Klientów od godziny 16:30. Kożyści wynikające z tej lokaty to:

  • możliwość zagospodarowania
    bieżących nadwyżek finansowych

  • możliwość automatycznego
    przedłużania lokaty

  • wygodna obsługa telefoniczna


5. OPROCENTOWANIE

PLUS KONTO

Stan konta od

Oprocentowanie*

Oprocentowanie efektywne**

1 PLN

2,05%

2,07%

25 000 PLN

2,10%

2,12%

50 000 PLN

2,15%

2,17%

100 000 PLN

2,20%

2,22%

Miesięczna kapitalizacja odsetek; (*) oprocentowanie
zmienne, obowiązuje od 06.03.2005; (**) uwzględnia miesięczną kapitalizację
odsetek

LOKATA PLUS BIZNES

Wysokość lokaty od

Okres lokaty w dniach

30-59

60-89

90-179

180-269

270-360

oprocentowanie stałe

oprocentowanie zmienne

5 000 PLN

3,15%

3,10%

3,05%

3,20%

3,15%

10 000 PLN

3,20%

3,15%

3,10%

3,25%

3,20%

25 000 PLN

3,25%

3,20%

3,15%

3,30%

3,25%

50 000 PLN

3,30%

3,25%

3,20%

3,35%

3,30%

100 000 PLN

3,35%

3,30%

3,25%

3,40%

3,35%

150 000 PLN

3,40%

3,35%

3,30%

3,45%

3,40%

Kapitalizacja odsetek po upływie terminu lokaty; (*)
oprocentowanie, obowiązuje od 25.04.2005

POBIERZ TABELĘ OPROCENTOWANIA ( PDF)




6. TABELA OPŁAT I PROWIZJI

Rachunki bankowe



sporządzenie
i wysłanie potwierdzenia transakcji
2,50 PLN
sporządzenie
opinii bankowej dotyczącej rachunku
10,- PLN
sporządzenie
dodatkowego dokumentu na prośbę Klienta
10,- PLN
dyspozycja
przelewu z rachunku
na rzecz ZUS składana u konsultanta
lub przez faks
5,- PLN -
opłata za jeden przelew bez względu na liczbę jego składników
dyspozycja
przelewu z rachunku na rzecz US składana u konsultanta lub przez faks
2,- PLN
dyspozycja
przelewu zewnętrznego składana u konsultanta lub przez faks
1,- PLN
zdefiniowanie
zlecenia jednorazowego u konsultanta lub przez faks
1,- PLN
zmiana
zlecenia jednorazowego
u konsultanta lub przez faks
1,- PLN
zdefiniowanie
zlecenia okresowego / stałego u konsultanta lub przez faks
1,- PLN
zmiana
zlecenia okresowego / stałego u konsultanta lub przez faks
1,- PLN
wysokość
wypłaconych odsetek w przypadku zerwania lokaty terminowej
1/2 należnych
odsetek
opłata za
spowodowanie niedozwolonego salda debetowego
50,- PLN
wysokość
należnych Bankowi odsetek w przypadku powstania niedozwolonego salda
debetowego
na rachunku
1,5-krotność
odsetek ustawowych za każdy dzień występowania salda debetowego
opłaty za
upomnienia w przypadku braku spłaty niedozwolonego salda debetowego
na rachunku:
- pierwsze upomnienie
- kolejne upomnienie

20,- PLN
40,- PLN

użytkowanie
i wydanie elektronicznego identyfikatora tokena (opłata roczna)
36,- PLN
wydanie
nowego tokena w miejsce utraconego
100,- PLN
zastrzeżenie
tokena
10,- PLN
opłata za
niezwrócenie tokena lub zwrot uszkodzonego
100,- PLN
kwota do wypłaty
w kasie Banku wymagająca zgłoszenia 24 godziny przed wypłatą
40 000,- PLN
wypłata
gotówki powyżej 40 000 PLN w kasie Banku bez uprzedniego zgłoszenia
0,5%
minimalna
kwota lokaty terminowej
5 000,- PLN

Karty płatnicze

rodzaj karty VISA Elektron Biznes
wydanie lub wznowienie
karty
50,- PLN
wydanie lub wznowienie
karty dodatkowej
50,- PLN
wydanie karty w
miejsce zastrzeżonej
50,- PLN
wypłata gotówki w
bankomacie (w kraju)
5,- PLN
wypłata gotówki w
bankomacie (za granicą)
10,- PLN
wypłata gotówki w kasie
innego banku (w kraju lub za granicą)
10,- PLN
kopia rachunku obciążeniowego 15,- PLN
awaryjna wypłata gotówki
(za granicą)
równowartość 175,- USD
przeliczenie
transakcji zagranicznej dokonanej w walucie innej niż EUR
2% wartości
transakcji
zmiana limitu karty 5,- PLN

BIZNESbanking

aktywacja obsługi BIZNESbanking (w tym 3
karty mikroprocesorowe i 1 czytnik)

250,00 PLN

miesięczna opłata za korzystanie z BIZNESbanking

200,00 PLN

opłata za wydanie dodatkowej karty
mikroprocesorowej lub wymiana uszkodzonej

65,00 PLN

opłata za wydanie dodatkowego czytnika lub wymiana
uszkodzonego

195,00 PLN

aktywacja obsługi poleceń zapłaty w ramach BIZNESbanking

150,00 PLN

przesłanie upoważnienia do polecenia zapłaty do
innego banku

3,00 PLN

opłata za wykonanie przelewu za pośrednictwem
BIZNESbanking

0,90 PLN

opłata za wykonanie polecenia zapłaty za pośrednictwem
BIZNESbanking

0,90 PLN

Usługi bezpłatne:

  • przelewy z rachunku (w tym także przelewy na ZUS i US)
    przez internet

  • przelewy wewnętrzne

  • realizacja zlecenia jednorazowego, okresowego lub stałego
    przez internet

  • miesięczny wyciąg z rachunku

  • zastrzeżenie karty

  • dyspozycja zerwania lokaty przed terminem zapadalności

  • dostęp do obsługi telefonicznej TELEdirect (z wyjątkiem transakcji realizowanych za pomocą konsultantów)

POBIERZ TABELĘ OPŁAT I PROWIZJI



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