Schedule of charges for Savings Account
Schedule of charges for Savings Account
w.e.f February 01, 2011
| Account Title |
db Easy SavingsAccount (No-Frill Account) |
db SavingsAccount Regular* (Applicable for Cat B cities only+) |
db Expat SavingsAccount |
db SavingsAccount Value Plus |
db Advantage SavingsAccount |
| Account Maintenance | |||||
|
Assets Under Management (AUM)# OR Average Quarterly Balance (AQB) for Tier A cities |
Rs.500 (AQB) | NA | AQB >=Rs. 40,000 |
AUM >= Rs.100,000 which includes an average quarterly balance of Rs. 20,000 in the Savings Account OR AQB >=Rs. 100,000 |
AUM >= Rs.500,000 which includes an average quarterly balance of Rs. 50,000 in the Savings Account OR AQB >=Rs. 500,000 |
|
Assets Under Management (AUM)# OR Average Quarterly Balance (AQB) for Tier B cities |
Rs. 500(AQB) |
AUM >= Rs.100,000 which includes an average quarterly balance of Rs. 10,000 in the Savings Account OR AQB >=Rs. 25,000 |
AQB >= Rs. 40,000 |
AUM >= Rs.100,000 which includes an average quarterly balance of Rs. 20,000 in the Savings Account OR AQB >=Rs. 100,000 |
AUM >= Rs.200,000 which includes an average quarterly balance of Rs. 25,000 in the Savings Account OR AQB >=Rs. 200,000 |
| Account Opening Cheque | Not Applicable | Rs. 25,000 | Not Applicable | Rs. 100,000 |
Rs. 500,000 / Rs. 200,000 |
| Fall Below Fees (per quarter | Rs.295 | Rs. 1,200 | Rs. 1,500 | Rs. 1,500 | Rs. 1,800 |
| FAMILY ACCOUNT PROPOSITION## | |||||
|
Customer Eligibility for Tier A cities |
db Easy SavingsAccount (No-Frill Account) |
db Regular SavingsAccount* |
db Expat SavingsAccount |
db Family Account Value Plus |
db Advantage Family Account |
|
Grouping: Up to 2 Accounts Assets Under Management (AUM)# OR Average Quarterly Balance (AQB) |
NA | NA | NA |
AUM >= Rs.150,000 which includes an average quarterly balance of Rs. 30,000 in the Savings Account OR AQB >=Rs. 150,000 |
AUM >= Rs.750,000 which includes an average quarterly balance of Rs. 60,000 in the Savings Account OR AQB >=Rs. 750,000 |
|
Grouping: Up to 3 Accounts Assets Under Management (AUM)# OR Average Quarterly Balance (AQB) |
NA | NA | NA |
AUM >= Rs.250,000 which includes an average quarterly balance of Rs. 50,000 in the Savings Account OR AQB >=Rs. 250,000 |
AUM >= Rs.10,00,000 which includes an average quarterly balance of Rs. 90,000 in the Savings Account OR AQB >=Rs. 10,00,000 |
|
Grouping: Up to 4 Accounts Assets Under Management (AUM)# OR Average Quarterly Balance (AQB) |
NA | NA | NA |
AUM >= Rs.300,000 which includes an average quarterly balance of Rs. 60,000 in the Savings Account OR AQB >=Rs. 300,000 |
AUM >= Rs.12,00,000 which includes an average quarterly balance of Rs. 120,000 in the Savings Account OR AQB >=Rs. 12,00,000 |
| Fall Below Fees (per quarter) | NA | NA | NA | Rs.1,500 per account | Rs.1,800 per account |
|
Customer Eligibility for Tier B Cities |
db Easy SavingsAccount (No-Frill Account) |
db Regular SavingsAccount* |
db Expat SavingsAccount |
db Family Account Value Plus |
db Advantage Family Account |
|
Grouping: Up to 2 Accounts Assets Under Management (AUM)# OR Average Quarterly Balance (AQB) |
NA | NA | NA | NA |
AUM >= Rs.300,000 which includes an average quarterly balance of Rs. 30,000 in the Savings Account OR AQB >=Rs. 300,000 |
|
Grouping: Up to 3 Accounts Assets Under Management (AUM)# OR Average Quarterly Balance (AQB) |
NA | NA | NA | NA |
AUM >= Rs.500,000 which includes an average quarterly balance of Rs. 50,000 in the Savings Account OR AQB >=Rs. 500,000 |
| FAMILY ACCOUNT PROPOSITION## | |||||
|
Customer Eligibility for Tier B Cities |
db Easy SavingsAccount (No-Frill Account) |
db Regular SavingsAccount* |
db Expat SavingsAccount |
db Family Account Value Plus |
db Advantage Family Account |
|
Grouping: Up to 4 Accounts Assets Under Management (AUM)# OR Average Quarterly Balance (AQB) |
NA | NA | NA | NA |
AUM >= Rs.575,000 which includes an average quarterly balance of Rs. 60,000 in the Savings Account OR AQB >=Rs. 575,000 |
| Fall Below Fees (per quarter) | NA | NA | NA | NA | Rs. 1,800 per account |
| CHEQUE BOOK & CONSOLIDATED STATEMENT | |||||
|
Payable at Par Cheque Book - Personalised |
Free of Charge Incase of non maintenance of minimum balance, Rs. 200 will be charged per Cheque Book issuance |
Free of Charge Incase of non maintenance of minimum balance, Rs. 200 will be charged per Cheque Book issuance |
Free of Charge Incase of non maintenance of minimum balance, Rs. 200 will be charged per Cheque Book issuance |
Free of Charge Incase of non maintenance of minimum balance, Rs. 200 will be charged per Cheque Book issuance |
Free of Charge Incase of non maintenance of minimum balance, Rs. 200 will be charged per Cheque Book issuance |
| Payable at Par utilization | Free of Charge | Free of Charge | Free of Charge | Free of Charge | Free of Charge |
| Statement with Payee Details |
Free Quarterly Statements; Free Monthly E Statements Incase of non maintenance of minimum balance, only E Statements will be sent |
Free Quarterly Statements; FreeMonthly E Statements Incase of non maintenance of minimum balance, only E Statements will be sent |
Free Quarterly Statements; FreeMonthly E Statements Incase of non maintenance of minimum balance, only E Statements will be sent |
Free Quarterly Statements; FreeMonthly E Statements Incase of non maintenance of minimum balance, only E Statements will be sent |
Free Monthly Statements; Free Monthly Investment Statements; Free Monthly E Statements Incase of non maintenance of minimum balance, only E Statements will be sent |
| Duplicate Statement |
Rs. 100 per statement |
Rs 50 per statement for < 3 months; Rs. 150 for per statement > 3 months |
Rs 50 per statement for < 3 months; Rs. 150 for per statement > 3 months |
Rs 50 per statement for < 3 months; Rs. 150 for per statement > 3 months |
Free of Charge |
| CHEQUE RETURN AND STOP PAYMENT | |||||
|
Cheque issued and returned Financial Reasons (per Instrument) |
Rs. 350 Incase of non maintenance of minimum balance, Rs. 550 will be charged for each cheque return |
Rs. 350 Incase of non maintenance of minimum balance, Rs. 550 will be charged for each cheque return |
Rs. 350 Incase of non maintenance of minimum balance, Rs. 550 will be charged for each cheque return |
Rs. 350 Incase of non maintenance of minimum balance, Rs. 550 will be charged for each cheque return |
Rs. 350 Incase of non maintenance of minimum balance, Rs. 550 will be charged for each cheque return |
|
Cheque issued and returned Technical Reasons (per instrument) |
Free of Charge | Free of Charge | Free of Charge | Free of Charge | Free of Charge |
| Cheque Deposited and Returned |
Local - Rs.100 Outstation - Rs.300 |
Local - Rs.100 Outstation - Rs.300 |
Local - 75 Outstation Rs. 200 |
Local - 75 Outstation Rs. 200 |
Local - Free Outstation - Rs.150 |
| Stop Payment - Single Cheque | Rs.100 | Rs.100 | Rs.75 | Rs.75 | Rs.50 |
| Stop Payment - Range of Cheques | Rs.200 | Rs.200 | Rs.150 | Rs.150 | Rs.150 |
| db INTERNATIONAL ATM CUM DEBIT CARD ## | |||||
|
db International Platinum Debit (Annual Fees ): |
N.A. | N.A. | N.A. | N.A. | Free of Charge |
| db INTERNATIONAL ATM CUM DEBIT CARD## | |||||
| db International Platinum Debit Card for Minors / Add on db International Platinum Debit Card (Annual Fees) | N.A. | N.A. | N.A. | N.A. | Free of Charge |
| db International Gold Debit Card (Annual Fees) | N.A. | Rs.500 | Free of Charge | Free of Charge | N.A. |
| db International Gold Debit Card for Minors / Add on db International Gold Debit Card (Annual Fees) | N.A. | N.A. | Free of Charge | Free of Charge | N.A. |
|
db Domestic Gold Debit Card (Annual Fees) for NRO Account Holders |
N.A. | N.A. | N.A. | Free of Charge | N.A. |
| db International Classic Debit Card (Annual Fees) | Rs.100 | Free of Charge | N.A. | N.A. | N.A. |
|
db International Classic Debit Card for Minors /Add-On db International Classic Debit Card (Annual Fees) |
Rs.100 | Free of Charge | N.A. | N.A. | N.A. |
|
Replacement of Damaged db International Debit Card/ Regeneration of Duplicate Pin |
Free of Charge | Free of Charge | Free of Charge | Free of Charge | Free of Charge |
|
Replacement of Lost / Stolen db International Debit Card (Gold / Classic/ Platinum) |
Rs.100 | Free of Charge | Free of Charge | Free of Charge | Free of Charge |
|
ATM Cash Withdrawal Limit at db ATMs and POS Utilisation Limit |
Rs.25,000 (ATM Withdrawal and POS utilisation limit) |
Default Limit: Rs.50,000/- Flexible limit: Rs.25,000/- Rs.50,000/- Rs.100,000/- Rs.150,000/- |
Default Limit: Rs.50,000/- Flexible limit: Rs.25,000/- Rs.50,000/- Rs.100,000/- Rs.150,000/- |
Default Limit: Rs.50,000/- Flexible limit: Rs.25,000/- Rs.50,000/- Rs.100,000/- Rs.150,000/- |
Default Limit: Rs.Rs.150,000/- Flexible limit: Rs.25,000/- Rs.50,000/- Rs.100,000/- Rs.150,000/- |
|
ATM Cash Withdrawal Limit per transaction at Other Bank ATMs |
Rs.10,000 | Rs.10,000 | Rs.10,000 | Rs.10,000 | Rs.10,000 |
|
Number of Free Transactions (Applicable to all SB accounts: Incase of non maintenance of minimum balances; Transactions at non db Visa ATMs will be capped at 5 Free transactions month - Above this free limit Rs. 20 ^ per transaction will be charged) & charges at other Bank ATMs (Domestic) |
db ATM - Free; 5 Free transactions per month on non db Visa ATMs; Above the free limit - Rs.20^ per Transaction |
db ATM - Free; 8 Free transactions per month on non db Visa ATMs; Above the free limit - Rs.20^ per Transaction |
Free of Charge |
db ATM - Free; 10 Free transactions per month on non db Visa ATMs; Above the free limit - Rs.20^ per Transaction |
Free of Charge |
| International Cash withdrawal*** |
Rs.115 per Transaction. |
Free Transaction on Global ATM Alliance Network** ATMs; Other ATMs Rs.115 per Transaction. |
Free Transaction on Global ATM Alliance Network** ATMs; Other ATMs Rs.115 per Transaction. |
Free Transaction on Global ATM Alliance Network** ATMs; Other ATMs Rs.115 per Transaction. |
Free Transaction on Global ATM Alliance Network** ATMs; Other ATMs Rs.115 per Transaction. |
| International Balance Enquiry (per transaction) | Rs.50 | Rs.50 | Rs.50 | Rs.50 | Rs.50 |
| DEMAND DRAFT, PAY ORDER AND CHEQUE COLLECTION | |||||
|
Demand Drafts on Deutsche Bank Locations / Pay Orders |
Rs.2.50 per Rs.1,000 Min. Rs.150, Max. Rs.5000 |
Free of charge upto Rs.50,000 per month. Above the free limit Rs.2.00 per Rs.1000; Min. Rs.150, Max. Rs. 5000 |
Free of charge upto Rs. 10 lacs pm. Above the free limit Rs.1.75 per Rs.1000; Min. Rs. 150, Max. Rs. 5000 |
Free of charge upto Rs. 10 lacs pm. Above the free limit Rs.1.75 per Rs.1000; Min. Rs. 150, Max. Rs. 5000 |
Free of charge upto Rs.25 lacs per month. Above the free limit Rs.1.50 per Rs.1000; Min. Rs. 150, Max. Rs. 5000 |
|
Demand Drafts on Non - Deutsche Bank Locations |
Rs.3.50 per Rs.1,000 |
Rs.3.00 per Rs.1,000; Min. Rs.95, Max. Rs.2495 |
Rs.2.25 per Rs.1,000; Min. Rs. 95, Max. Rs. 2495 |
Rs.2.25 per Rs.1,000; Min. Rs. 95, Max. Rs. 2495 |
Rs.2.25 per Rs.1,000; Min. Rs. 95, Max. Rs. 2495 |
| DEMAND DRAFT, PAY ORDER AND CHEQUE COLLECTION | |||||
|
Demand Drafts on Non - Deutsche Bank Locations |
Rs.3.50 per Rs.1,000 |
Rs.3.00 per Rs.1,000; Min. Rs.95, Max. Rs.2495 |
Rs.2.25 per Rs.1,000; Min. Rs. 95, Max. Rs. 2495 |
Rs.2.25 per Rs.1,000; Min. Rs. 95, Max. Rs. 2495 |
Rs.2.25 per Rs.1,000; Min. Rs. 95, Max. Rs. 2495 |
|
Foreign Currency Demand Draft (per Instrument) |
Rs. 300 Incase of non maintenance of minimum balance, Rs. 600 will be charged per Demand Draft |
Rs. 300 Incase of non maintenance of minimum balance, Rs. 600 will be charged per Demand Draft |
Rs. 300 Incase of non maintenance of minimum balance, Rs. 600 will be charged per Demand Draft |
Rs. 300 Incase of non maintenance of minimum balance, Rs. 600 will be charged per Demand Draft |
Rs. 300 Incase of non maintenance of minimum balance, Rs. 600 will be charged per Demand Draft |
|
Demand Draft/ Pay Order Cancellations/ Revalidation / Duplicate (per instrument) |
Rs.150 | Rs.125 | Rs.100 | Rs.100 | Rs.100 |
|
Outstation Cheque Collection at Deutsche Bank Branch Locations |
Up to Rs. 5,000 -Rs. 25 per instrument Rs. 5,000 to Rs.10,000 - Rs. 50 per instrument Rs.1,00,001 and above - Rs.150 per instrument |
Free of charge upto Rs.50,000 per month & not exceeding 5 instruments per month. Above the free limit Rs.100 per instrument till Rs.100,000 Rs.150 per instrument for Rs.100,001 and above |
Free of charge upto Rs.10 Lacs per month & not exceeding 10 instruments per month. Above the free limit Rs 100 per instrument till Rs. 100,000 Rs. 150 per instrument for Rs.100,001 and above |
Free of charge upto Rs.10 Lacs per month & not exceeding 10 instruments per month. Above the free limit Rs 100 per instrument till Rs. 100,000 Rs. 150 per instrument for Rs.100,001 and above |
Free of charge upto Rs. 25 Lacs per month & not exceeding 20 instruments per month. Above the free limit Rs 100 per instrument till Rs. 100,000 Rs. 150 per instrument for Rs.100,001 and above |
|
Outstation Cheque Collection at Non - Deutsche Bank Branch Locations |
Up to Rs. 5,000 - Rs. 25 per instrument Rs.5,000 to Rs.10,000 - Rs. 50 per instrument Rs.1,00,001 and above - Rs.150 per instrument |
Up to Rs. 5,000 - Rs. 25 per instrument Rs.5,000 to Rs.10,000 - Rs. 50 per instrument Rs.1,00,001 and above - Rs.150 per instrument |
Up to Rs. 5,000 - Rs. 25 per instrument Rs.5,000 to Rs.10,000 - Rs. 50 per instrument Rs.1,00,001 and above - Rs.150 per instrument |
Up to Rs. 5,000 - Rs. 25 per instrument Rs.5,000 to Rs.10,000 - Rs. 50 per instrument Rs.1,00,001 and above - Rs.150 per instrument |
Up to Rs. 5,000 - Rs. 25 per instrument Rs.5,000 to Rs.10,000 - Rs. 50 per instrument Rs.1,00,001 and above - Rs.150 per instrument |
|
National Electronic Fund Transfer (NEFT) Outward |
Upto Rs. 100,000 - Rs 5 per transaction; Rs. 1 to 2 Lakhs - Rs. 15 per transaction; Rs. 200,000 & above - Rs. 25 per transaction |
Free of Charge | Free of Charge | Free of Charge | Free of Charge |
| RTGS Outward (per transaction) |
Rs. 2 to 5 lakhs - Rs. 25 per transaction. Rs.5 lakhs and above - Rs. 50 per transaction |
Rs. 2 to 5 lakhs - Rs. 25 per transaction. Rs. 5 lakhs and above - Rs. 50 per transaction |
2 Free transactions per month. Above the Free Transaction Limit - Rs. 2 to 5 lakhs - Rs. 25 per transaction. Rs.5 lakhs and above - Rs. 50 per transaction |
2 Free transactions per month. Above the Free Transaction Limit - Rs. 2 to 5 lakhs - Rs. 25 per transaction. Rs. 5 lakhs and above - Rs. 50 per transaction |
Free of Charge |
| Foreign Currency Cheque Collection |
0.25% (Minimum Rs.155 and Maximum Rs.4495 |
0.25% (Minimum Rs.155 and Maximum Rs.4495 |
0.25% (Minimum Rs.155 and Maximum Rs.4495 |
0.25% (Minimum Rs.155 and Maximum Rs.4495 |
0.25% (Minimum Rs.155 and Maximum Rs.4495 |
|
Foreign Exchange Conversions (per transaction) |
Rs. 100 | Rs. 100 | Rs. 100 | Rs. 100 | Rs. 100 |
| Outward Remittance (per transaction) | Rs.600 | Rs.600 |
Rs. 600 (One Free remittance to home country per month) |
Rs. 600 for Resident SavingsAccount Free of charge for NRE / NRO SavingsAccount |
Rs. 600 for Resident SavingsAccount Free of charge for NRE / NRO SavingsAccount |
| Foreign Inward Remittance Certificate (FIRC) | Rs.100 | Rs.100 | Rs.100 |
Rs. 100 Not Applicable for NRO / NRE Accounts |
Rs. 100 Not Applicable for NRO / NRE Accounts |
| ANY BRANCH BANKING | |||||
|
Cash Deposit / Withdrawal (Non - Domicile Branch |
First two transactions Free. Above the free limit Rs.95 per visit Incase of non maintenance of minimum balance, Rs. 200 will be charged per transaction |
Free upto Rs.50,000 per day. Above the free limit Rs.2.00 per Rs.1000., Min. Rs. 75 Incase of non maintenance of minimum balance, Rs. 200 will be charged per transaction |
Free upto Rs. 75,000 per day. Above the free limit Rs.2.00 per Rs.1000., Min. Rs. 75 Incase of non maintenance of minimum balance, Rs. 200 will be charged per transaction |
Free upto Rs. 75,000 per day. Above the free limit Rs.2.00 per Rs.1000., Min. Rs. 75 Incase of non maintenance of minimum balance, Rs. 200 will be charged per transaction |
Unlimited Free Incase of non maintenance of minimum balance, Rs. 200 will be charged per transaction |
| OTHER ACCOUNT RELATED | |||||
| Standing Instruction Set up (per instruction | Rs.60 | Rs.60 | Rs.60 | Rs.60 | Rs.60 |
| Phonebanking / Non IVR: |
Free of Charge Incase of non maintenance of minimum balances; Rs. 50 per call will be charged |
Free of Charge Incase of non maintenance of minimum balances; Rs. 50 per call will be charged |
Free of Charge Incase of non maintenance of minimum balances; Rs. 50 per call will be charged |
Free of Charge Incase of non maintenance of minimum balances; Rs. 50 per call will be charged |
Free of Charge Incase of non maintenance of minimum balances; Rs. 50 per call will be charged |
|
Standing Instruction Amendments (per instruction) |
Rs.60 | Rs.60 | Rs.60 | Rs.60 | Rs.60 |
| OTHER ACCOUNT RELATED | |||||
| Standing Instruction Failure (per instruction | Rs.350 | Rs.350 | Rs.350 | Rs.350 | Rs.350 |
|
Account Closure (Within 6 months of Account Opening) |
Rs.550 | Rs.550 | Rs.550 | Rs.550 | Rs.550 |
|
Dormant Account Charges - (Accounts not operative for more than 2 years) |
Rs.1000 per annum | Rs.1000 per annum | Rs.1000 per annum | Rs.1000 per annum | Rs.1000 per annum |
|
Retrieval of Documents - Document upto 6 months old (per document) |
Rs.100 | Rs.100 | Rs.100 | Rs.100 |
Free for Documents upto 6 months & Rs 100 for Documents > 6 months |
|
ECS debit instructions issued by customer and returned unpaid (per instrument) |
Rs.350 | Rs.350 | Rs.350 | Rs.350 | Rs.350 |
| BALANCE CERTIFICATE, INTEREST CERTIFICATE AND BANKERS REPORT | |||||
|
Certificate of Balance & Interest Certificate (Current year) |
Free of Charge | Free of Charge | Free of Charge | Free of Charge | Free of Charge |
|
Signature Verification Certificate (per verification) |
Rs.100 | Rs.100 | Rs.100 | Rs.100 | Rs.100 |
| Charge Slip Copy Retrieval | Rs.100 | Rs.100 | Rs.100 | Rs.100 | Rs.100 |
|
Retrieval of Documents - Document upto 6 months old (per document) |
Rs.100 | Rs.100 | Rs.100 | Rs.100 | Rs.100 |
| Bankers' Report | Rs.100 | Rs.100 | Rs.100 | Rs.100 | Rs.100 |
* Product available in Tier B cities only - db SavingsAccount Regular
** Global ATM Alliance includes Deutsche Bank ATM worldwide, Bank of America in USA, Scotia Bank in Canada, Chile, Mexico and Caribbean Islands, BNP Paribas in France, Barclays Bank in UK and Africa, Westpac in Australia, New Zealand and South Pacific
*** Mark-up of 3.5% on all International Transactions (Cash Withdrawals & Point-of-Sale transactions)
# AUM includes investments in all Mutual Funds units (except liquid Mutual Funds), Insurance, Fixed Deposits, 20% of value of unencumbered equity shares in demat account & Savings account balances right through the quarter
## Available only for db Value Plus SavingsAccount and db Advantage SavingsAccount customers Demand Draft / Pay Order charges to be applicable only on the incremental amounts.
Service Tax and Educational Cess as applicable will be levied.
These Service Charges are subject to change as per Bank's policies
+ Tier A Cities - Mumbai, Delhi, Noida, Gurgaon, Chennai, Bangalore, Kolkata, Pune and Ludhiana
+ Tier B Cities - Aurangabad, Kolhapur, Salem, Moradabad and Vellore
^ Deutsche Bank AG, India (“Bank”) is only a distributor of third party investment/insurance products and not an advisor in offering investment/insurance advice and any information contained in this brochure or otherwise communicated by the Bank shall not be construed as investment or insurance advice. All decisions to purchase or sell units / securities / insurance policy shall be on the basis of the personal judgement of the customer arrived at after due consideration and after understanding the risk factors associated with their chosen investments carefully and consulting their own independent advisor prior to making any investment decisions. The Bank does not in any manner guarantee any returns on any investment or insurance products. All investments are subject to market risks and there is no assurance or a guarantee that the objectives of any investment schemes will be achieved. Information concerning past performance is not necessary a guide to future performance. This brochure should not form the basis of any investment decision by customers. The recommended asset allocation herein is as per your inputs in the risk profiling questionnaire. The recommendation may change from time to time without prior notice. The recommendation assumes that factors affecting your risk profile have not changed. In case of any change, we suggest that you should contact your relationship manager and re-assess your risk profile using the tools available with the Bank. The opinions, expectations and other information herein is based on certain assumptions and projections which may not be entirely accurate and accordingly the analysis may not accurately reflect the financial status, needs or risk ability of the customer. The Bank does not guarantee or make any representation, express or implied, with respect to the fairness, correctness, accuracy, adequacy, quality, efficacy, reliability, reasonableness, viability for any particular purpose or completeness of any information herein and is not responsible for any errors or omissions in or for results obtained from the use of such information.
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