Service fees
|
Service |
Fee |
|
Account management and identification |
|
|
Opening and closing of the account in the system |
Free of charge |
|
Opening and closing of the account at the branch |
Free of charge |
|
Account maintenance |
Free of charge |
|
Opening and closing of the Additional account in the system |
Free of charge |
|
Opening and closing of the Additional account in the branch |
Free of charge |
|
Additional account maintenance |
€ 0.79 / month |
|
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Client identification |
|
|
Client identification at the branch |
Free of charge |
|
Client identification in the Systems: |
|
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By sending the documents via e-mail or in the system |
Free of charge |
|
Via e-mail |
Free of charge |
|
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Preparation of letters and documents about the accounts |
|
|
The generating of the account statement in the System over the internet |
Free of charge |
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The provision of the account statement via e-mail or by arriving to the Branch: |
|
|
Account statement up to 15 pages, signed and sealed by "NEO Finance" |
€ 9.99* |
|
"NEO Finance" written confirmation of the performed transfer (1 page) |
€ 4.99* |
|
Transfer copy signed and sealed by "NEO Finance" (1 page) |
€ 4.99* |
|
Certificate regarding opened accounts and balances, signed and sealed by "NEO Finance" |
€ 9.99 |
|
Certificates regarding "NEO Finance" granted ir returned loans |
€ 9.99 |
|
Other certificates or letters |
€ 9.99 |
|
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Sending of letters, documents |
|
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Via registered mail |
Depends on charges of post and delivery companies |
|
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The fees for the services of the movement of funds in the account |
|
|
The price of a single information message |
|
|
When sending via e-mail |
Free of charge |
|
When sending a text message (SMS) |
Free of charge |
|
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Fees of transfers |
|
|
"NEO Finance" |
Free of charge |
|
Simple transfer for individuals: |
|
|
For investors |
€ 0.29 |
|
For loan recipients |
€ 3.99 |
|
Simple transfer for legal persons |
€ 0.15 (from 01/07/2023 € 0.23**) |
|
Simple transfer for VIP clients |
Free of charge |
*Each additional page costs 0.5 euro
** The rate may change in cases of separate agreements
Terms of services
| Service | Term |
|
Spending/emission of electronic money |
1 business day |
|
Buyout of electronic money |
1 business day |
"NEO Finance" makes all the effort that services would be provided to the clients as soon as possible
| Inactive account fee (applicable from 01.03.2022) | |
| For natural person | € 0.99** / month. |
| For legal entities | € 2.99** / month |
** Additional accounts will be free of charge for VIP investors, FinoMark and Neopay clients according to the following procedure: VIP Silver members – 1 free additional account; VIP Gold members – 2 free additional accounts; VIP Platinum members – 3 free additional accounts; Finomark clients – 1 free additional account. Neopay clients – unlimited number of free additional accounts.
Payable surety of provision fund pricing:
! From 2021.04.12 10 am., NEO Finance offers new Buyback pricing for new A+ rated loans. If the A+ rating loan issued after this date becomes insolvent (default) and the agreement with the borrower is terminated: A+ investments will be automatically purchased by NEO Finance for 100% of the remaining part of the credit.
! Important: The provision fund is no longer available for investments made from 1 March 2022. The terms and conditions of the service only apply to investments made with the provision fund before 1 March 2022.
|
Rate |
Maturity |
Provision fund fee |
|
A+ |
3 |
0,23% |
|
A+ |
6 |
0,46% |
|
A+ |
12 |
0,92% |
|
A+ |
24 |
1,50% |
|
A+ |
36 |
2,22% |
|
A+ |
48 |
2,93% |
|
A+ |
60 |
3,63% |
|
A+ |
72 |
4.32% |
|
A+ |
84 |
4,98% |
|
A+ |
96 | 5,64% |
|
A+ |
108 | 6,30% |
|
A+ |
120 | 6,69% |
|
A |
3 |
0,44% |
|
A |
6 |
0,87% |
|
A |
12 |
1,73% |
|
A |
24 |
2,78% |
|
A |
36 |
4,10% |
|
A |
48 |
5,36% |
|
A |
60 |
6,58% |
|
A |
72 |
7,75% |
|
A |
84 |
8,87% |
|
A |
96 | 9,96% |
|
A |
108 | 11,00% |
|
A |
120 | 12,01% |
|
B |
3 |
1,20% |
|
B |
6 |
2,37% |
|
B |
12 |
4,62% |
|
B |
24 |
7,18% |
|
B |
36 |
10,24% |
|
B |
48 |
13,00% |
|
B |
60 |
15,48% |
|
B |
72 |
17,71% |
|
B |
84 |
19,72% |
|
C |
3 |
2,10% |
|
C |
6 |
4,11% |
|
C |
12 |
7,85% |
|
C |
24 |
11,76% |
|
C |
36 |
16,19% |
|
C |
48 |
19,86% |
|
C |
60 |
22,91% |
|
C |
72 | 25,44% |
Investment Sales coefficients when the consumer credit agreement is terminated****
! From 2021.04.12 10 am., NEO Finance offers new Buyback pricing for new A+ rated loans. If the A+ rating loan issued after this date becomes insolvent (default) and the agreement with the borrower is terminated: A+ investments will be automatically purchased by NEO Finance for 100% of the remaining part of the credit.
|
Offer expiration date |
For all and VIP investors |
For all investors |
For VIP investors |
||||
| Coefficient for A+ agreements from 2021.04.12 |
Coefficient for A+ until 2021.04.12 and A rating |
Coefficient for B rating |
Coefficient for C rating |
Coefficient for A+ until 2021.04.12 and A rating |
Coefficient for B rating |
Coefficient for C rating |
|
|
1-3 |
1 |
0.70 |
0.60 |
0.50 |
0.80 |
0.70 |
0.60 |
|
4 |
1 |
0.65 |
0.55 |
0.45 |
0.75 |
0.65 |
0.55 |
|
5 |
1 |
0.60 |
0.50 |
0.40 |
0.70 |
0.60 |
0.50 |
|
6 |
1 |
0.55 |
0.45 |
0.35 |
0.65 |
0.55 |
0.45 |
|
7 |
1 |
0.50 |
0.40 |
0.30 |
0.60 |
0.50 |
0.40 |
|
8-30 |
1 |
0.45 |
0.35 |
0.25 |
0.55 |
0.45 |
0.35 |
****NEO Finance have the right to unilaterally change the above-mentioned coefficients in the following cases: i) When the investment contract is concluded on or before 2022-12-14, not less than 6 months before the entry into force of the updated rates, the future coefficient values and the effective date are published in this pricing; ii) When the investment contract is concluded on or after 2022-12-15, not less than 14 calendar day before the entry into force of the updated rates, the future coefficient values and the effective date are published in this pricing.