Service fees
|
Service |
Fee |
|
Account management and identification |
|
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Opening and closing of the account in the system |
Free of charge |
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Opening and closing of the account at the branch |
Free of charge |
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Account maintenance |
Free of charge |
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Opening and closing of the Additional account in the system |
Free of charge |
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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 |
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Client identification at the branch |
Free of charge |
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Client identification in the Systems: |
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By sending the documents via e-mail or in the system |
Free of charge |
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Via e-mail |
Free of charge |
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Preparation of letters and documents about the accounts |
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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: |
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Account statement up to 15 pages, signed and sealed by "NEO Finance" |
€ 9.99* |
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"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 |
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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 |
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The price of a single information message |
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When sending via e-mail |
Free of charge |
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When sending a text message (SMS) |
Free of charge |
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Fees of transfers |
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|
"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 |
| Payment cancelation | Free of charge |
| Payment traceability process | Free of charge |
| Investor platform fee (from 2025.04.01) | € 1.00 / month*** |
*Each additional page costs 0.5 euro
** The rate may change in cases of separate agreements
*** If at least 6 months have elapsed since the investor's registration and confirmation of identity and the value of the investment portfolio is at least EUR 0.01.
**** 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.
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 |
** The inactive account fee will not be applied by NEO Finance if: i) The client has investments via the peer-to-peer lending platform NEO Finance and/or via the crowdfunding platform FinoMark, and the administration of these investments is linked to this account; ii) The client has been granted a loan via the crowdfunding platform FinoMark, and this account is used for its administration.
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 coëfficients 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.
! C- investments cannot be sold.
|
Offer expiration date |
For all and VIP investors |
For all investors |
For VIP investors |
||||
|
Coëfficient for A+ agreements from 2021.04.12 |
Coëfficient for A+ until 2021.04.12 and A rating |
Coëfficient for B rating |
Coëfficient for C rating |
Coëfficient for A+ until 2021.04.12 and A rating |
Coëfficient for B rating |
Coëfficient 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 coëfficients 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 coëfficient 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 coëfficient values and the effective date are published in this pricing.
! New sales coëfficients with effect from 14/09/2023 or 01/03/2024*****
|
Offer expiry date |
For all and VIP investors |
For all investors |
For VIP investors |
|
Coëfficient for A+ agreements |
New coëfficient for A+ (for investments concluded before 12.04.2021 ) A, B, C ratings (all investors) |
New coëfficient for A+ (for investments concluded before 12.04.2021 ) A, B, C ratings (VIP investors) |
|
|
1-3 |
1 |
0.50 |
0.55 |
|
4 |
1 |
0.45 |
0.50 |
|
5 |
1 |
0.40 |
0.45 |
|
6 |
1 |
0.35 |
0.40 |
|
7 |
1 |
0.30 |
0.35 |
|
8-30 |
1 |
0.25 |
0.30 |
***** If you enter into an investment agreement with NEO Finance after 01.03.2023, the new coëfficients for funded loans will apply from 14.09.2023 and if you enter into an investment agreement with NEO Finance before 01.03.2023, the new coëfficients for funded loans will apply from 01.03.2024