Schedule of Charges

January - June 2011

 MOST IMPORTANT
LEVY OF FEDERAL EXCISE DUTY (FED)

All Branches / Offices are advised to recover FED @ 16% on all banking services
(excluding Mark up mentioned in the Schedule of Bank Charges) except on the
following items;

Cheque Book Issuance Charges

Umra & Hajj Service Charges

Cheque Return Charges

Utility Collection Charges

Insurance

Musharika and Modaraba Financing

NOTE:

For details please refer POK Circular No.

PO/CAD-OPS/GEN/159 dated June 22, 2006.

PO/CAD-OPS/GEN/153 dated June 13, 2007.
PO/CAD-OPS/GEN/154 dated June 15,2007.
PO/CAD-OPS/GEN/159 dated June 25,2009.
 1

IMPORTANT
Given hereunder is the list showing items in which CHANGES/AMENDMENTS made in this Schedule as
compared to last schedule.

International Banking
Item Caption Item No. Pg.No.

A- Imports Item 1,2,10,11,13,15,16,18 & 19 added 3,4 & 5

revised/amended

B- Exports Item 1,2, & 4 rates revised/amended 6

D- Miscellaneous Item 2,4,5,8 & 9 amended 9 & 10

Domestic Banking

A- Cash Handing Charges Item added 11

B- Imports Item 1,2,4 added/revised /amended 11

C- Remittances Item 1,2,& 5 revised/ added/amended 13 & 14

F- Bills Item 4 amended 15

G- Advances Item 2,3& 5 revised/ added/amended 16

H- Sale & Purchase of Item 10 amended 19

Securities

K- Miscellaneous Item 6,15,17& 19 revised/ added 21,22 & 23

Consumer Banking

L- MCB 24 hours Cash Item 4,10& 15 revised/ added/amended 24

Card Samrt Cart (ATM)

M- MCB Visa Credit Card Item 7,8,9,10,11,13,17,18,20 & 34 25,26 & 27

revised/ added/amended

O- Consumer Loan Item 2 amended 31

Q- Fee Exemption Grid MCB Privilege Customer items added 32 & 33

amended
 2

CONTENTS
S.# DESCRIPTION PAGE

INTERNATIONAL BANKING
A Imports 3
B Exports 6
C Remittances 8
D Miscellaneous 9

DOMESTIC BANKING
A Cash Handling / Sorting charges 11
B Imports 11
C Exports 12
D Remittances 13
E Transaction Banking Division (TBD) 14
F Bills 15
G Advances 16
H Standing Instructions Fee 18
I Sale and Purchase of Securities 18
J Guarantees 19
K Miscellaneous 20

CONSUMER BANKING
L MCB 24 Hours Cash Card/Smart Card (ATM/Debit Card) 23
M MCB Visa Card 25
N Custodial Services 28
O Consumer Loan Products 29
P Cash 4 Cash 32
Q Fee Exemption Grid 32
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S.# ITEMS RATES GL CODE

INTERNATIONAL BANKING
A IMPORTS
1 Documentary Credit (LC)
where total volume of import LC business of a
customer during a calendar year is: First Quarter Each Subsequent Quarter 3030401080

Upto Rs. 50 Million Upto 0.40% Upto 0.30%

Upto Rs. 75 Million Upto 0.35% Upto 0.25%
Upto Rs. 100 Million Upto 0.30% Upto 0.20%
Upto Rs. 150 Million Upto 0.25% Upto 0.15%
Above Rs.150 Million Negotiable (see note at the end of the section)
Minimum Charges Upto Rs.2,000/-

Notes: a) - Group Heads are authorized to refund LC Commission on prorata basis upon cancellation
of LC before its expiry. However while refunding prorata commission for unexpired period, care should be taken that
the commission for partial usage should be charged subject to minimum of Rs.2,000/-

b) LC confirmation charges, where applicable, will be recovered on case to case basis.

2 Annual Fee
a) Renewal/grant of fresh Upto 0.05% per type of facility requested by customer
(LC LIMITS) (to be charged at the time of renewal/disbursement) 3030401360
(DD AA LIMITS) 3030401370
(TR LIMITS) 3030401380
(FIM LIMITS) 3030401390
(FCIF LIMITS) 3030401410
(BG LIMITS) 3030401400

b) Interim Enhancements/One-off of Upto 0.10% per type of facility requested by customer

(LC LIMITS) (to be charged at the time of renewal/disbursement) 3030401420
(DDAA LIMITS) 3030401430
(TR LIMITS) 3030401440
(FIM LIMITS) 3030401450
(FCIF LIMITS) 3030401470
(BG LIMITS) 3030401460

3 Revalidation commission for expired LC Commission to be charged from the date subsequent to the 3030401080
revalidated. date of expiry of LC at rates applicable in case of opening of
fresh LC.

4 Non-reimbursable LC under barter, Aid/ Loans Upto 1% for first quarter 3030401080
and authorization to pay. Upto 0.30% for each subsequent quarter
Minimum Charges Upto Rs. 1,500/-.

5 LC opened under "Suppliers Credit", "Pay As
You Earn Scheme" and "Deferred Payment"
LCs for period over one year.
Upto 0.40% per quarter upto final payment. (At the time of 3030401080
opening of LC commission to be charged on full amount of
LC liability plus interest payable thereon for the period from
the date of opening of the LC till the expiry of LC.
Thereafter commission is to be recovered on six monthly
basis on outstanding / reducing liability) as per revised
schedule of charges applicable as on date.
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S.# ITEMS RATES GL CODE

6 Registration of contract with SBP in respect Upto Rs.5,000/- as handling charges 3030401080
of Private Foreign Currency Loans obtained by
borrowers in Pakistan from foreign lenders.

7 Issuance of undertaking favouring Upto @ 1.60% commission to be charged per 3030401080

SBP for providing forward cover exchange risk under annum on reducing liability.
"Suppliers/Buyers Credit", "Pay As You Earn Scheme"
and "Deferred Payment" LC on behalf of applicant.

LC amount Charges per application

8 Issuance of No objection certificate (NOC) Upto Rs. 1 Million Upto Rs. 600 3030401080
regarding forward exchange booking/payment through Over Rs. 1 Million Upto Rs. 800
other bank at importer's request.

9 Amendment in LC/Contract
(a) Amendment without increase in amount or Upto Rs.1,200/- per transaction . 3030401080
extension in expiry date

(b) Amendment in LC/Contract involving change Upto Rs.1,200/- per transaction plus applicable commission 3030401080
in amount and/or extension in expiry date as per item 1, 5, 6 & 10 on page No.3 & 4.

10 Registration of Import Contract

(foreign & local)

Contract Business: 3030401080

Upto Rs. 50 Million Upto 0.30%
Upto Rs.100 Million Upto 0.25%
Over Rs.100 Million Negotiable (see note at the end of the section)

Minimum Charges Upto Rs.1,500/-.

11 Advance payment to suppliers for Import Upto Rs.0.15% 3030401080

against which LC / Import Contract has not been
registered. or
Remittance after receipt of Import documents.
(Open Account Transactions)

Minimum Charges Upto Rs.1,500/-

whichever is higher ( plus applicable SWIFT charges )
12 Import on Collection Basis
(Foreign Import Documentary Bills for Collection)

a) Handling commission. i) Upto Rs.1,000/- per collection if charges are A/c 3030401080
on Drawee's (Importer's)
ii) US$50/- if charges are A/c on Drawer's (Exporter's)

b) Return unpaid. US$100/-(Flat) from remitting bank plus 3060401010

courier charges & other charges, if any.

13 Service charges
(a) Service charges against all import bills. Upto 0.15% 3060401010

Minimum Charges Upto Rs.1,500/-. (see note at the end of the section)

(b) Form "I" handling charges Upto Rs. 25/- per "I" Form 3060401010
 5

S.# ITEMS RATES GL CODE

14 Reimbursement charges At actual 3030401080
(payable to reimbursing bank).

15 a) Delivery order issued for release of Upto Rs.2,000/- 3030401080

consignment in the absence of original transport documents.

b) Arrangement/Endorsement Fee in case
title/transport documents are drawn in favour of MCB
without prior permission in Foreign Inward Documentary
Bills for Collection.
a) If charges are on Drawee's (Importer's) account Upto Rs 1,000/- 3030401080
b) If charges are on Drawer's (Exporter's) account US $ 50/-
deductable from proceed.

16 Clearance of Consignment under terms of Limit a) Commission against approved limit Upto @ 0.20% 3030401080
Approval or unarranged clearance by the Bank. on C&F value (see note at the end of the section)

b) Commission Upto @ 0.25% on C&F value on

forced clearance. (see note below)

c) No charges if customer pays directly to C & F agent

Minimum Charges Upto Rs.1,000/-.

17 Sight Import Bills under LCs:

(a) When retired within 10 days from the date of No Commission.

negotiation*

(b) When retired after 10 days but within **Markup plus Commission Upto @ 0.20 per Rs.100/- 3030401080
20 days from the date of negotiation * on purchase price

(c) When retired after 20 days but within **Markup plus commission Upto @ 0.25 per Rs.100/- 3030401080
35 days from the date of negotiation * on purchase price.

(d) When retired after 35 days but within **Markup plus commission Upto @ 0.30 per Rs.100/- 3030401080
50 days from the date of negotiation * on purchase price.

(e) When retired after 50 days from the **Markup plus commission Upto @ 0.45 per Rs.100/- 3030401080
date of negotiation * on purchase price.

*Notes:
Date of negotiation means value date Bank's Nostro Account is Debited. M-up and Commission will be applied on outstanding
(after reducing the cash margin).
**Note:
No mark up to be charged in case 100% interest free cash margin is deposited on or before the date of negotiation*

18 Import Bills under Forced PAD i.e. payment not received Markup plus commission Upto @ Rs.0.45 %- on outstanding 3030401080
on due date finance plus handling charges and commission recoverable on
usance bills under LCs .Compliance of PR-8 to be ensured in case
of Forced PAD (where applicable).

19 Bills drawn at usance under letters of credit other than Rs.1,000/-per bill, (Flat) at the time of retirement of bill. In addition, 3030401080
“Pay As You Earn Scheme", "Suppliers Credit" and acceptance commission Upto @ Rs.0.15% per month for usance
“Deferred Payment" Letters of Credits of period over one import bills for the period beyond validity of letter of credit.
year.

Minimum Charges Upto Rs.1,000/-.

 6

S.# ITEMS RATES GL CODE

20 Discrepant documents handling charges a) If charges are on Applicant's account:- 3060401010
under Import LCs. All charges for correspondence SWIFT etc.
plus Foreign Bank's charges (if any)
b) If charges are on Beneficiary's account:- US$50/-

Note:
No charges to be recovered in case such charges have already been charged under the Private Labeling
arrangements .

21 LC cancellation charges Upto Rs.2,000/- per LC Plus SWIFT charges 3030401080

Note:
All trade finance / guarantee related items can be relaxed / waived by the Businesses (WBG & CBBG)
subject to sign off by Head TPD and then the Group Head of the concerned group, subject to FED

B EXPORT
1 Letters of Credit:
(a) Advising (Foreign and Inland) Upto Rs.1,500/- (US $ 50/- for outside Pakistan) plus 3030401110
applicable courier charges

(b) Amendment Advising(Foreign and Inland) Upto Rs.1,000/- (US $ 50/- for outside Pakistan) plus 3030401110
applicable courier charges

(c) Negotiation of Rupee bills under Upto 0.25%- 3030401110

export Letters of Credit.
Minimum Charges Rs. 475/-.

(d) Negotiation commission on all export bills Upto Rs.1,000/- 3030401110

purchased/discounted
(e) Addition of Confirmation (Foreign and Inland) Upto 0.25% per quarter (1.00% p.a.) 3030401110
Minimum Charges Rs. 2,000/- (with floor)
(Subject to availability of country /cross border
risk limits.)

(f) Transfer of export LC.(Foreign and Inland) Upto Rs.1,000/- 3030401110

(g) Reimbursement payment to other local Upto Rs.1,000/- 3030401110

Banks from Non-Resident Rupee
Accounts/ACU Accounts.

2 When documents are sent to other bank for Upto Rs.1,000/- plus applicable courier charges 3030401110
negotiation under restricted letter of credit.

3 Documentary Bills without exchange Upto Rs.200/- per collection. 3030401110

difference earnings.

4 Handling Charges:
(a) Duty Draw Back Claims. Upto @ 0.25% per case 3030401110

Minimum Charges Rs. 250/-

(b) Issuance/Reissuance/Duplicate of Annex'A' Upto Rs.250/- per transaction 3030401110

for the purpose of claiming duty draw back
 7

S.# ITEMS RATES GL CODE

(c) On Freight Subsidy Claims Upto 0.15%, per transaction. 3030401300
Minimum Charges Upto Rs.250/- per transaction

(d) On collection of Exp.Dev.Surcharge Upto Rs.80/- per transaction 3030401110

(e) Research & Development Support Claims Upto 0.25%, per transaction 3030401290
(R&D)
Minimum Charges Upto Rs.250/- per transaction

(f) Export Advance Payments Upto 0.15%, per transaction. 3030401110

Minimum Charges Upto Rs.1,500/- per transaction

(g) ERF (Part-I Pre-shipment) obtained from MCB Upto Rs.1,000/- per shipment 3030401110
whereas export routed through other bank.

(h) On EE /EF NOC issuance to another Upto Rs.1,000/- per NOC 3060402010
bank under ERF scheme

(i) In lieu of exchange earnings Upto 0.10% (flat) per transaction. 3060402010
where exporter sells foreign exchange to some
other bank where as documents were sent for
collection by MCB
Minimum Charges Upto Rs.1,000/-

(j) NOC issuance charges against "E" Forms Upto Rs. 300/- per "E" Form 3060402010

5 Annual Fee
a) Renewal/Grant of fresh Upto 0.05% per type of facility requested by customer 3030401400
FCEF/FCBD/FAFB/FBP/FAPC

b) Interim Enhancements/One-Off of Upto 0.10% per type of facility requested by customer 3030401460
FCEF/FCBD/FAFB/FBP/FAPC (to be charged at time of approval)

6 Service charges against export documents Upto 150 million Upto 0.15 % 3060402010
sent on collection basis where payment cover Above 150 million Upto 0.13 %
is already received in our Nostro Account.
Minimum Charges Upto Rs.1500/-

Note:
All trade finance / guarantee related items can be relaxed / waived by the Businesses (WBG & CBBG)
subject to sign off by Head TPD and then the Group Head of the concerned group, subject to FED
 8

S.# ITEMS RATES GL CODE

C REMITTANCES
1 Outward Remittances :
(a) Money transfer under general permission i) Minimum US$ 5/- per item upto value of 3030401010
or specific approval of SBP or from Foreign Rs.10,000/- or its equivalent.
Currency Accounts.

ii) 0.01% (Flat) per item for value of over

Rs.10,000/- or its equivalent.
Minimum Charges US$ 8/-
No charges for MCB Staff upto US$1,000/- p.a. from
branch where his/her salary a/c is maintained.

(b) Inquiries regarding non-receipt of Rs. 200/- each PLUS Swift charges at actual. 3060601030
funds where the bank acted correctly

(c) Communication charges for Back to US$ 30/- or its equivalent per transaction 3060602030
Back transactions

(d) Inward collection relating to Foreign @ US$ 1/- per US$ 1,000/- subject to 3060601030
Currency Accounts received from abroad or Minimum US$ 3/- Maximum US$ 6/-.
local banks or our own branches with foreign
currency payment involved.

(e) Surrender of Foreign Currency Notes 3060601030

for deposit into foreign currency account These charges are not applicable on FCY
i) Less than USD 10,000 (or equivalent
currency)
ii) USD 10,001 (or equivalent currency) and
above
}
0.25% surrendered in lieu of export proceed under
the approval of SBP These charges will be
0.50% applicable only in case of remittance is effected
within 10 days of cash deposits

(f) Sale of Traveller Cheques expressed in 1% of the amount of T.C. Sold. 3030401010
foreign currency.

Minimum Charges Rs.200/-

Note:
In addition to above, commission/service charges/recovery of courier/postage/fax/ cable charges will
also be made according to prescribed tariff (wherever applicable).

2 Inward Remittances :
(a) Inward Foreign Draft, where payment made to 0.15% - 3030401010
beneficiary, after payment is received in our
Nostro Accounts (other than Home
Remittances).
Minimum Charges Rs.200/-

(b) Inward cheques expressed in foreign currency 0.15% Commission. 3030401010

drawn on foreign currency A/cs received from
local / up-country bank's branches for
payment in Pak Rupees after conversion at
authorized dealers buying TT clean rates.
Minimum Charges Rs.200/-

Note:
In addition to above, commission / service charges / recovery of courier /postage/fax/ cable charges
will also be made according to prescribed tariff (wherever applicable)
 9

S.# ITEMS RATES GL CODE

D MISCELLANEOUS
1 Correspondent's charges At actual. 3060601010

(Postage / Cable / Fax / Telephone and Courier) At actual subject to Minimum as under:
(a) Postage (Ordinary) Upto Rs.25/- Local (with in city), Upto Rs.40/- Inland (intercity) 3060602030
Foreign at actual
Minimum Charges Rs.100/-
(b) Postage (Registered) Upto Rs.30/- Local (with in city) Upto Rs.50/- Inland (intercity) 3060602030
Foreign at actual
Minimum Charges Rs.100/-
(c) Telegram Upto Rs.50/- Local/Inland 3060602040
(d) Swift charges: 3060602070
a) Upto one page Upto Rs 600/- or actual whichever
is higher;

b) More than one page Upto Rs.1,750/- or actual

whichever is higher (see note at the end of the section)

(e) Fax/Telephone 3060602050

i ) Domestic : Upto Rs.20/- Local (with in city) Upto Rs.100/- Inland (intercity)
per communication
ii) Foreign :
LC/ Guarantee Message, Issuance a) Upto one Page Upto Rs.600/- or Actual whichever is
/ Amendmend higher

b) More than one Page Upto Rs.1,750/- or Actual

whichever is higher (see note at the end of the section)

(f) Courier. Upto Rs.50/- Local (with in city) Upto Rs.75/- Inland (intercity) 3060602030
Foreign Upto Rs.1,200/- or at Actual (For every 0.5 kg of weight) (For Others)
whichever is higher plus taxes wherever applicable. 3060602105
(For Trade
Transactions
only)

(g) Charges to be claimed from remitting US$ 30/- or its equivalent per message (MT 103) 3060601030
bank against inward remittances if
mentioned 'OUR'

2 Standing Instructions charges In foreign US$ 5/- per instruction 3060601030

currency account.

3 Credit Information Report a) Actual (No charge if report is requested by 3030401110

including Credit Report on Foreign Suppliers/ scheduled Bank/DFI)
Buyers with prior intimation to the customer
b) Foreign Banks/Agents charges/Credit Reporting
Agencies (at actual) will be extra.
c) Postage/Courier/Fax/Cable charges will also be
recovered according to the prescribed Tariff.

Minimum Charges Upto Rs.500/-

 10

S.# ITEMS RATES GL CODE

4 Cancellation
(a) DD / TT cancellation charges for Foreign
Currency Account.
(b) Cancellation of Inward Swift Messages
Rs.500/- per item Plus applicable SWIFT/postage charges 3060601030
Should not be charged from Pakistan Remittance Initiative
(PRI) related foreign exchanged arrangement as per SBP
instructions.
US$ 30/- per case Plus applicable SWIFT/postage charges 3060601030
Should not be charged from Pakistan Remittance Initiative
(PRI) related foreign exchanged arrangement as per SBP
instructions.

5 Under general permission or specific Rs.300/- 3060601030

approval of SBP.

6 Issuance of duplicate FDD. Rs.500/- Plus applicable Correspondent/ SWIFT/postage 3060601130

charges

7 Issuance of Business performance Upto Rs.1,000/- 3060402010

certificate (at customer's request.)

8 Purchase of Traveller Cheques/Drafts etc. Rs.500/- (Flat) 3030401010

9 Collection for Foreign Currency Accounts. 0.15% Minimum US $ 10 whichever is higher along with 3060601030
applicable courier charges

10 Clean Bills (cheque, bank draft etc.) Upto Rs.100/- per collection.

11 Local US $ collection & settlement:

a ) For Collection of instrument Up to Rs.300/- plus courier /Fax/Telephone charges at 3030401110

actual. This includes Rs.100/- payable to NIFT for its
services

b ) For instrument return unpaid. Up to Rs.450/- plus courier /Fax/Telephone charges at 3030401110
actual. This includes Rs.200/- payable to NIFT for its
services

Note:
Above charges are subject to negotiation on business volume of Rs.200M & above after obtaining approval from
Business Group Head/Business Heads.
 11

S.# ITEMS RATES GL CODE

DOMESTIC BANKING
A Cash Handling/Sorting Charges
1 Where the cash deposited in the form of small 3060601340
denomination notes for deposit to accounts or for
issuance of any banking instrument including
TDR,DD,PO, CDR etc., (other than BBA & Collection
account maintained by TBD )

a) For Cash Denomination Consisting Per Bundle Rs.50/- (No charges for incomplete bundle)
of Rs.5,10,20 & 50 notes
b) For Cash Denomination Consisting Up to Rs.100,000 /- = Free
of Rs.100 notes Rs.100,001 to 500,000/- = Rs.250/-
Rs.500,000/- and above = 0.05% or Rs.250/-
whichever is higher
Maximum Charges Rs.1,000/-
Note:
For CBBG branches approval of reduction/waiver to be obtained from GH-CBBG on case to case basis
keeping in view good business relations.

B IMPORTS
1 Letters of Credit
First Quarter Each Subsequent Quarter
a) Annual Business: 3030401090
Upto Rs. 50 Million Upto 0.45% Upto 0.40%
Upto Rs. 75 Million Upto 0.40% Upto 0.35%
Upto Rs.100 Million Upto 0.35% Upto 0.30%
Upto Rs.150 Million Upto 0.30% Upto 0.25%
Above Rs.150 Million Negotiable (See Note at the end of section)

Minimum Charges Upto Rs 1,500/-

b) Handling Commission on all import bills Upto 0.15% 3060401010

presented in availment of our LCs

Minimum Charges Upto Rs.1,500/-

c) Discrepant documents handling charges Upto Rs. 1,000/-

(from applicant or beneficiary in accordance
with LC terms)

2 Amendment charges: 3030401090

a) Without increase in amount or extension Upto Rs.1,200/-
in expiry period of LC/Contract Plus applicable SWIFT/Postage/Courier etc.charges

b) Involving increase in amount and/or Upto Rs.1,200/- per transaction plus applicable 3030401090
extension in expiry period of LC/Contract. commission as per item B (1) above and item 10 page 4

3 LC Advising/Amendment/Confirmation/ Same as under Export -International Banking 3030401200

Cancellation charges of (Inward) Inland LCs.

4 Documentary Imports Bills for collection Service Charges Upto 0.15% 3060401010

Minimum Charges Upto Rs.1,500/-

 12

S.# ITEMS RATES GL CODE

5 Documentary bills drawn against L/C

a ) Sight Bills :
i ) If retired within 3 days from the date of Markup (As prescribed in policy circular) but No 3060401010
lodgment Commission
ii ) If retired after 3 days from the date of Markup (As prescribed in policy circular) and
lodgment Commission Upto @ 0.25% per anum

Minimum Charges Rs.1,000/-

b ) Usance Bills:
( i ) Handling Charges Upto 0.25% Min Rs.600/- Max Rs.1,200 per bill at the 3060401010
time of retirement of bill.

( ii ) If bill matures after expiry of LC. (Usual charges as at ( I ) above) plus Rs.500/- per bill 3030401090
along with acceptance commission Upto @ 0.15% per
month on bill amount on retirement for the period
beyond validity of LC. (See note at the end of section)

Minimum Charges Rs.500/-.

c ) Import Bills under Forced PAD i.e. payment Commission Upto @Rs.0.45 % per anum in addition to 3030401090
not received on due date mark up as per credit approval on outstanding finance
plus handling charges (above-(i)) and commission
recoverable on usance bills under LCs (above-(ii))

Note:
All trade finance / guarantee related items can be relaxed / waived by the Businesses (WBG & CBBG)
subject to sign off by Head TPD and then the Group Head of the concerned group, subject to FED.

C EXPORTS
1 Documentary Export Bills on collection bases Service Charges upto 0.40% plus applicable courier 3030401200
charges
Minimum Charges Upto Rs.1,500/-

2 Purchase of Bills
Documentary Bills other than those Commission Upto 0.40% plus mark-up from the date of 3030401200
drawn against letter of credit purchase to the date of payment and courier charges

Minimum Charges Rs.1,000/-

3 Negotiation Commission
Upto Rs.50 Million Upto 0.50% 3030401200
Upto Rs.75 Million Upto 0.40%
Above Rs. 75 Million Negotiable

Minimum Charges Rs.1,000/- (See Note at the end of section)

4 Collection charges for restricted LC Forwarding Bank/Branch would charge

(Where negotiation is restricted to some other handling charges of Up to Rs.1,000/-
bank and presented to us for forwarding).

5 In case of Usance/DA bills negotiation Usual commission as at above 1-Export ( Documentary 3030401200
Export Bills ) Plus Markup/Markdown from the date
of purchase till the date of payment.
(See notes below)

Note:
All trade finance / guarantee related items can be relaxed / waived by the Businesses (WBG & CBBG)
subject to sign off by Head TPD and then the Group Head of the concerned group, subject to FED.
 13

S.# ITEMS RATES GL CODE

D REMITTANCES
1 Issuance of Drafts (Bankers Cheque)
(a) Upto Rs.100,000/- Rs.100/- for A/c Holder 3030401010
Rs.200 for Non A/c Holder
(b) Over Rs.100,000/- 0.1% for Account Holder
Minimum Charges Rs.150/-
0.2% for Non-Account Holder
Minimum Charges Rs.250/-

* Plese refer item no A above for cash handling (page 11)

(c) Issuance of Duplicate Draft Rs 200/- for A/C Holder 3060601130

Rs 500/- for Non a/c Holder
Notes:
a) Recovery of Remittance charges from Banks, DFIs & utility companies subject to arrangements.
b ) Company a/cs having average credit balance of Rs. 5.00M and above in their current account may be
allowed TWICE A MONTH free remittance equal to their average credit balance for last 6 months from the
date of transaction.
c ) Charges from student for making DD/PO any other instrument for payment of fee /dues in favour of
education institution HEC/Board etc Rs.25 Flat per instrument.
d ) Remittance charges subject to negotiation with client having annual Import/Export/Remittance business
of over Rs.200 M, Transaction Banking Business above 500M after obtaining approval from concerned
Business Group Head/ Business Heads.

3030401150
2 Cross Branch Transactions:
Within City:
Deposits (Please refer item no A above for cash handling). FREE
Withdrawals FREE
Fund Transfer FREE

Inter City: CURRENT A/C SAVING A/C

Deposits- Cash - (Please refer item no A above for cash handling) Rs. 125/- Rs. 125/-
Deposits - Cheque Rs. 75/- Rs. 75/-
Withdrawals Rs. 150/- Rs. 200/-
Fund Transfer (Plese refer item no A above for cash handling) Rs. 100/- Rs. 100/-

Notes:
a) Withholding tax to be deducted wherever applicable.
b) Charges for accounts having special arrangement for online electronic salary/other transfers through
Transaction Banking Division "the minimum balance requirement of Rs.0.100M" may be waived after obtaining
approval from Head of T B D.
c) For CBBG branches approval of reduction/waiver to be obtained from GH-CBBG on case to case basis.
d ) Student should be allowed free of cost online deposit in collection of educational institution for payment
of fee and no service fee on depositing fee directly in fee collection account of educational institute
e ) No charges to be recovered from MCB Staff Members
f ) The above charges shall not be applicable to all customers, for transactions between pooling and lending
branches, whose loan has been transferred/parked in lending branch. Any transaction by the customer
other than between pooling and lending branch shall be subject to charges.

3 Courier charges (where advices are despatched Rs.75/- (Local) 3060602030

through courier on request of the customer) Rs.100/- (Inland)
For more than 2 DD drawn on same branch by the same
customer at the same time. (See note below)

Note:
Courier charges may be exempted from those account holders who maintain a minimum balance of Rs.1.0M
in their CD A/c OR under Special Arrangement.
 14

S.# ITEMS RATES GL CODE

4 Network Express Collection Account for
clients depositing cheques/DD/PO only:
Remittance charges for transfer of funds to Main
Collection Account through Mail Transfer for clients
depositing cheques/DD/PO only.
Volume of annual Remittance business.
Upto Rs.100 Million 0.15%
Minimum Charges Rs.20/-
Above Rs.100 Million 0.10%,
Minimum Charges Rs. 60/-
plus courier charges at actual. (See note below)
Note:
Remittance charges will be recovered at the above rates, even where collections made by branches are
remitted to other locations, notwithstanding the purpose, whether for centralization or otherwise. In case of
cash deposit, charges to be decided on case to case basis as per arrangement under approval of Regional
Head.
5 Bankers Cheque
a) Issuance of Pay Order Rs.100/- for Account Holders 3030401010
Plese refer item no A above for cash handling ( page 11 ) Rs.250/- for Non-Account Holders.
b) Issuance of Duplicate Pay Order Rs.150/- for Account Holders. 3060601130
Rs.300/- for Non-Account Holders.
c) Issuance of Call Deposit Receipts. Rs.200/-
* Plese refer item no A above for cash handling ( page 11 )

d) Issuance Duplicate Call Deposit Receipts Rs.300/-

e ) Cancellation of DD/Pay Order / Call Receipts. Rs.150/- for Account Holders 3060601130
Rs.250/- for Non-Account Holders in cash
f ) Issuance of Rupee Travellers Cheque I) Rs.5/- per piece for denomination of less than Rs.5,000/- 3030401060
ii) No charges on issuance of higher denomination above
Rs.5,000/-
g ) Lost RTC Refund/Deletion Rs.500/- per application 3060601030

h ) Duplicate advice requested by the customer Rs.100/- per advice

(if more than 6 months old)
Note:
No charges shall be recovered from customers having trade business of Rs.20M & above during a calendar
year or having average advances utilisation of Rs.50M & above during a calendar year.

6 Issuance of SBP/NBP cheque on client's A/c Rs.300/- each. 3060601030

Note:
All trade finance / guarantee related items can be relaxed / waived by the Businesses (WBG & CBBG) subject
to sign off by Head TPD and then the Group Heads of two businesses,subject to FED

E TRANSACTION BANKING DIVISION

1 a) Collection/ Disbursement/ Remittances
All charges for Transaction Banking products (collection, 3030401130
disbursements & remittances) will be decided on a case
to-case basis through agreement between the customer
and the bank. All these charges should be recovered by
TBD on monthly basis & Branches are not authorized to
recover any charges from remitter.

b) Dealer Finance Processing Fee 0.5% (Fresh) / Renewal = Rs 5,000/- 3030101450

Minimum Charges Rs 7,500/-

c) Home Remittances No Charges recovered on Home Remittances routed under

SBP Home Remittance Scheme.
Note:
All these charges will be recovered by TBD on monthly basis and branches are not authorised to recover any.
 15

S.# ITEMS RATES GL CODE

F BILLS
1 Collections
i ) Clean (including cheques/dividend warrants Upto 0.25%- 3030401020
bank drafts etc.)
Minimum Charges Rs.100/-
plus postage / courier charges.
ii) For MCB own Cheques/DD/PO. Upto 0.15%- 3030401020

Minimum Charges Rs.50/-

plus postage/courier charges.
Note:
a) No charges if collected through local clearing

b) If total annual volume exceed Rs.50 M

following slab shall be applicable:

Above Rs.50 Million upto 500 Million

Above Rs.500 Million upto 1000 Million
Above Rs.1000 Million
0.15%
0.10%
0.05%

c) In case of urgent collection of local cheque of

}
Rs.0.500 million and above; Rs.350/- per collection.
Returning charges of such collection @ Rs.150/- per
collection.

d) Postage/Courier charges are to be recovered on

collection/realization of each instrument (whether
clean or documentary). However, in case where party
has deposited more than one cheque instrument on
particular date to be collected/drawn on the same
branch of the bank, postage/courier charges are to be
recovered once only.
e) Collection of cheque of small amount may be
effected through postal service (other than Courier) if
specifically requested by the party in writing for which
he will be responsible for delay.

f) Collecting agent's charges, if the collecting bank is

other than the bank, will be extra.

g) NWD Call Charges will be extra, if fate of

the instrument is asked for by telephone.

2 Clean bills Upto 0.40% (Commission) plus mark-up from the date of 3030401020
(cheque, bank draft etc.) purchase to the date of payment plus courier charges as
mentioned at D-3 above.

Minimum Charges Rs.25/-

Notes:
(a) Collecting agents charges, if the collecting bank is another bank, will be extra.
(b) If fate of instrument is confirmed by telephone/fax, the cost will be recovered.

3 Returning charges for documentary and Upto Rs.500/- plus courier charges as 3030401090
clean collections. mentioned at D-3 above.

4 Inland Bills Purchased

If paid after 21st day from the date of Commission Upto @ Rs. 0.45 per 1000 in addition to 3030401090
purchase. M/up as per credit approval (See note at the end of section)
 16

S.# ITEMS RATES GL CODE

5 Storage charges
(a) When cleared within 3 days of receipt No charge.
by branch.
(b) From fourth day of receipt by branch. Re.1/- per packet per day. 3060601130

Minimum Charges Rs.50/-

Note:
All trade finance / guarantee related items can be relaxed / waived by the Businesses (WBG & CBBG) subject
to sign off by Head TPD and then the Group Heads of two businesses,subject to FED

G ADVANCES
1 Annual Renewal Fee/New facility initiation Fee Upto 0.10% of Running/Cash Finance Limits 3030101430
for credit limits- (only for WBG clients) renewed/fresh approval (only for WBG clients)
2 Processing Fee for one off requests/ 3030101440
Enhancement for Running/Cash Finance and Term Upto 1% of the amount of request
Finance (only for WBG clients) (only for WBG clients)
3 Annual Renewal Fee/New Facility initiation Fee
for credit limits. (only for CBBG Clients)
a) Limits of Up to Rs.5,000,000 Upto 0.50% (of the facility amount) 3030101430
(Running Finance (RF) & Cash Finance (CF) renewed / fresh
Minimum Charges Upto Rs.2,000/-
b) Limits from Rs.5,000,001 to 200 Million Upto 0.15% (of the facility amount)
(Running Finance (RF) & Cash Finance (CF) renewed / fresh
Minimum Charges Upto Rs.5,000/-
c) Limits above 200 Million Upto 0.10% (of the facility amount)
(Running Finance (RF) & Cash Finance (CF) renewed / fresh
Minimum Charges Upto Rs.10,000/-
These charges may be waived /negotiated with the approval of GH CBBG. (only for commercial branch banking group clients)
4 Following charges will be recovered in addition to At actual, in addition : 3060601030
Mark-up/Return on investment: a) Project examination fee up to @ 0.25% (Flat) after
Miscellaneous (i.e. charges for documentation, acceptance of sanction by the company but
evaluation of security and maintenance thereof etc). before disbursement of the total amount of
sanction (Funded and Non Funded Both).
b) Legal documentation fee up to @ 0.20% (Flat)
after acceptance of sanction by the Company
but before disbursement of the total amount
of sanction (Funded and Non Funded Both).

c) Project monitoring fee up to @ 0.25% p.a. Payable

quarterly on outstanding amount (Funded
and Non Funded Both).
d) Commitment fee up to @ 1.00% p.a. Payable
quarterly on the undisbursed amount of
sanction (Funded only).
e) Front End/Arrangement Fee up to @ 1.00% (Flat)
wherever applicable as per Bank's discretion.
All charges at (4) a to e are applicable to Term loan/Project
Finance.
Note:
The bank reserves the right to determine the applicability, as per arrangements with customers with the approval
from Business Group Head/Business Heads
5 Miscellaneous charges for issuance of NOC: 3060601030
For issuance of NOC/Processing of requests for
signing of joint pari passu agreements at the request Up to Rs.10,000/-
of customers/clients for creating charge over assets (See note below)
of the borrowing company for obtaining further
financing from other Banks/DFIs/Financial Institution
or for any otherpurpose
Note:
Recovery of these charges shall be waived/negotiable by relevant Group Heads on group business basis and or
if facilities have been allowed under Consortium financing
 17

S.# ITEMS RATES GL CODE

6 For Finances against pledge/hypothecation,
various charges to be levied as follows :
(a) Godown Rent At actual. 3060102010
(OWNED)
3060102020
(ACQUIRED)

(b) Godown staff salaries : At actual. 3060601030

Salaries of Godown keepers/Chowkidars.

(c) Mucaddam Charges and storage or At actual. 3060601030

Stock Inspection.

(d) Godown Inspection Charges :

(i) Within Municipal limits or within a radius Shall be credited to Bank's Income Account 3060601030
of 10 Kilometers from the branch.
Upto Rs.1 Million Rs.200/-
Above Rs.1 Million to 5 Million Rs.500/-
Above Rs.5 Million to 10 Million Rs.1,000/-
Above Rs.10 Million Rs.2,000/-
Plus actual conveyance charges. Maximum one visit per month.

(ii) Outside the above limits. T.A. & D.A. as per rules. Applicable to Staff only 3060601030
in addition to charges at 'd(i)' above.
(iii) Seasonal lending (Cotton, Rice etc.) 3060601030
Upto Rs.5 Million Rs.300/-
Above Rs.5 Million Rs.500/-
Plus T.A. & D.A. as per rules applicable to staff only

(e) Delivery charges: At actual. 3060601030

If a godown keeper is not posted, conveyance
charges will be recovered.

(f) Other incidental expenses : At actual. 3060601030

Insurance premia, legal charges etc.

(g) Directors search/Charge search/Local At actual, 3060601030

credit report/Independent stocks verification/
Independent credit report/ Assets valuation.

Minimum Charges Rs.300/-.

(h) eCIB 3060601030

I) Individuals Rs.100/-
ii) Entities Rs.200/-

(i) Handling charges on marking of lien Rs.500/- flat per customer. 3060601030
on Govt. Securities

(j) Marking of lien on securities issued by Rs.500/- flat per customer. 3060601030
MCB for other banks

7 Handling Charges where Finance Against Imported Upto 0.1% 3060401010

Merchandise (FIM ) Foreign Currency Import Finance
(FCIF) against LC open by other bank
Minimum Charges Upto Rs.5,000/-

NoteS:
a) All trade finance / guarantee related items can be relaxed / waived by the Businesses (WBG & CBBG) subject to
sign off by Head TPD and then the Group Heads of two businesses,subject to FED
 18

S.# ITEMS RATES GL CODE

b ) While recovering the miscellaneous charges like godown rent, godown staff salary, inspection charges etc.
the amount recovered from the borrowers shall not exceed the total rent of the godown, salary of the godown
staff etc. In other words, miscellaneous charges will be levied at actual and not become a source of profit to the
bank. Bank reserve the right to determine the applicability as per arrangement with the customer with approval
from Group Head/Business Head of godown insepction charges. However, reimbursement of actual conveyance
charges to be made to concerned staff to the debit of Expenses Account after proper approval of the Business
Group Head/Business Heads and from Group Head in case of CBBG clients

H STANDING INSTRUCTIONS FEE

1 Standing instructions fee will be recovered in Rs.125/- per transaction. (If not specified in the rules of 3060601030
addition to the usual charges on remittances, if any. specific product like Khushali Bachat Account etc.).

I SALE & PURCHASE OF SECURITIES

SAFE CUSTODY ARTICLES IN SAFE
DEPOSIT AND SAFE DEPOSIT LOCKERS
1 Sale and purchase of shares and securities a) 0.15% on the first Rs.10,000/- of purchase price or cost
there of

b) 0.10% on amount exceeding Rs. 10,000/-

Minimum Charges Rs.50/- (See notes below)

Notes:
(a) The above charges are in addition to brokerage.
(b) Commission is not to be recovered on purchase of newly floated Securities, where it is payable by the
Government/Government Agencies and from the subscribers to new share floatation.
(c) When orders for purchase or sale of shares/securities are executed through the bank's other offices, all
incidental expenses such as postage, insurance charges etc. incurred will be recovered in addition to the
commission/brokeragecharges.

2 Withdrawal fee on shares and securities a) 0.25% on the first Rs.10,000/- of the paid-up or face 3030101300
held in safe custody (to be recovered at value
the time of withdrawal). b) 0.125% on amount exceeding Rs. 10,000/-.
Minimum Charges Rs.50/-

3 Withdrawal fee on Government Securities (Where Rs.10/- per scrip 3030101300

shares and/or securities sold are from those held in
safe custody, either commission on sale of shares
and securities as shown against item 1 or withdrawal
fees as shown against item 2 and 3 whichever is
higher, will be charged, but not both).
Minimum Charges Rs.50/-
4 Charges for collection of interest/return/ 0.30% on the amount of interest/return/dividend 3030101300
dividend. collected/paid
Minimum Charges Rs.20/-
5 Handling charges for conversion, Rs.20/- per scrip. 3030101300
renewal, consolidation or sub-division
of Government securities.

6 Public Floatation of Shares/Modaraba
Certificates/Offer for Sale of Shares/
Dis-investment/Term Fin. Certificates.
Minimum Charges
7 Issue of Right Shares
Commission @ 0.50% plus Out of Pocket Expenses. 3030101300
(Subject to Negotiation of Rate based on volume of business)
Rs.20,000/-
Commission @ 0.50% plus Out of Pocket Expenses. 3030101300
(Subject to Negotiation of Rate based on volume of business)

Minimum Charges Rs.15,000/-

 19

S.# ITEMS RATES GL CODE

8 Payment of Dividend Warrants through Commission @ 0.30% plus actual amount of Postage/Courier 3030101300
designated branches charges, subject to negotiation of rate based on volume of
business

Note:
Collection & Postage charges should be condoned for MCB dividend warrants valuing upto Rs.500/- only

9 Articles in Safe Deposit :

(Fee for Articles in Safe Deposit to be recovered in
advance at the time of deposit or at the commencement
of each quarter).
(a) Boxes and packages Rs.4/- per 100 cubic inches or part thereof 3060103010
Minimum Charges Rs.300/- per quarter.

(b) Envelopes Rs.2/- per 25 square inches 3060103010

Minimum Charges Rs.300/- per quarter.

(To be insured on customers account.)

10 Safe Deposit Lockers Fee

(To be recovered Annually, in advance)
(a) Lockers Size
3060103010
(i) Upto 0.40 cft, Small Rs.1,800/- per annum.
50% p.a. to be charged from MCB Staff & retired MCB staff
members for small locker only.
(ii) From 0.41 to 1.35 cft. Medium Rs.2,500/- per annum

(iii) From 1.36 to 2.00 cft. Large. Rs.3,800/- per annum

(iv) From 2.01 to 3.00 cft. - Extra Large Rs.5,500/- per annum

(b) Key Deposit 1030101050

(i) Small & Medium Rs.2,000/-
(ii) Large Rs.2,500/-
(iii) Extra Large Rs.3,000/-
(See notes below)
(c) Breaking Charges Actual or Rs.2,000/- per locker whichever is higher. 3060601030

(d) Late Payment Fee Rs.100/- for Small - Rs.150/- for Medium - Rs.200/- for 3060601030
Large will be recovered on monthly basis

Notes:
a) Business Group Head/Business Heads may waive key deposit where client maintain deposit of Rs.1.0M
above in current account and route import export business of Rs.10M and above p.a.b) No Key Deposit from MCB
Staff Members.

J GUARANTEES
1 Guarantees issued in favour of Shipping Upto Rs.1,500 per month till return of orignal guarantee 3030401080
companies in lieu of Bills of Lading. subsequent to receipt and release of shipping documents.

2 Guarantees issued in favour of Collector Upto 0.60% per quarter 3030401030

of Customs in lieu of payment of Import/ Export Duty
which are valid upto 6 months.
Minimum Charges Upto Rs.1,000/-. (See Note at the end of section)

3 Guarantees issued in favour of Financial/ Upto 0.40% per quarter 3030401030

DFIs/ Institutions for financial accommodation to
customers.

Minimum Charges Upto Rs.1,000/-.

 20

S.# ITEMS RATES GL CODE

4 Bank Guarantee assignment noting charges, Upto Rs.1,000/- 3030401030
in favour of other banks

5 Other Guarantees : 3030401030

Where total volume of guarantees being
issued on behalf of a customer during a
calendar year is :
Upto Rs.15 Million
Upto Rs.30 Million
Upto Rs.50 Million
Above Rs.50 Million
Upto 0.40% per quarter
Upto 0.30% per quarter
Upto 0.25% per quarter
} Quarter will start
from the date of
issuance of Guarantee
Negotiable (See note at the end of section)

Minimum Charges Upto Rs.1,000/- per annum per guarantee OR

Upto Rs.250/- per quarter wherever guarantee
validity is less than one year.

6 Back to Back guarantees including Upto 0.40% per quarter 3030401030

guarantees issued against counter (See note at the end of section)
guarantee of our foreign correspondent
bank and Performance Bonds, Bid Bonds,
Advance Payment Guarantees etc.

Minimum Charges Upto US$ 100/-

Note:
All trade finance / guarantee related items can be relaxed / waived by the Businesses (WBG & CBBG)
subject to sign off by Head TPD and then the Group Head of the concerned group, subject to FED.

K MISCELLANEOUS
1 Charges for issuance of Duplicate/ Photostat Rs. 35/- 3060601030
copy or Fresh statement of account ( LCY / FCY ) No charges for MCB Staff members
other than the half yearly statements.

2 Issuance of Cheque Book

a) For LCY (CD & PLS a/c) Rs.6/- per leaf plus excise duty if any. 3060601030
b) For FCY a/c US$ 0.15/- , GB.£.0.10/- , Euro€ 0.10/- ( Per Leaf )
No charges for MCB Staff

3 Issuance of new cheque book (LCY / FCY) Rs.150/- per request plus, Cheque Book Charges 3060601030
in lieu of lost cheque book. No charges for MCB Staff members.
(These charges are in addition to stop payment
charges prescribed below).

4 Stop payment charges (Charges per instruction) 3060601030

a) For LCY a/c Rs.250/-
b) For FCY a/c and foreign US$ 6/-, GB.£.5/- , Euro€ 5/-
currency cheques/drafts. No charges for MCB Staff members

5 Account closing processing cost 3060601030

a) For LCY a/c Rs.250/- or entire amount if balance is below Rs.250/-
b) For FCY a/c US$ 6 , GB.£.5/- , Euro€ 5/- or entire amount if
balance is below/equivalent US$5/-.

No charges for MCB Staff members and for old frozen

FCY Accounts.
 21

S.# ITEMS RATES GL CODE

6 Account maintenance/Service charges. Rs.50/-p.m.will be recovered on accounts not maintaining 3060701050
minimum monthly average Balance.(inclusive of FED vide
BPRD circ # 27 Nov 11,2010)
a) Saving 365 Gold Rs.500,000 or Below
b) Khushali Bachat A/c Rs.20,000
c) Business Account Rs.50,000
d) PLS/Current Account/Smart Saving Rs.10,000
e)Enhanced Saving Account(ESA) Rs. 5,000
f) PLS Saving Extra Rs.100,000
g) Current Life Account Rs. 25,000
h) MCB Saving Maximizer Rs.10,000
I) MCB Rupee Maximizer A/c (RMA) Rs.20,000
j) PLS 365 Saving A/c Rs.300,000
k) BBA/Salary gold Account Rs.0
( See notes below a,b,c )

Notes:
(a) In case the balance in an accounts below Rs.50 available amount will be recovered as incidental charges. The
recovery on actual basis should be made inclusive of FED.
(b) No Service Charges for A/c maintenance will be recovered from dormant A/Cs till the period of dormancy.
( c ) BBA accounts are also exempted from the recovery of these account maintenance charges.
( d ) All such collection accounts i.e. non-chequing accounts from where the balances/ funds as per standing instructions, are
transferred to customers' main collection a/c whether daily or on periodical basis, shall be exempt from levy of service charges
@ Rs.50/- p.m on minimum monthly average balance of Rs.10,000/- or below.
( e ) All chequing accounts and main collection accounts where the minimum monthly average balance of Rs.10,000/- or below,
the service charges @ Rs.50/-p.m. shall be leviable as usual.
( f ) Following accounts are exempt from levy of Rs.50/- p.m:
i) Accounts maintained by Employees of Govt/Semi-Govt. Institutions for Salary, Pension &Benevolent Fund purpose including
widows / children of deceased employees eligible for family pension/benevolent fund grant etc; in any manner whatsoever
ii) Mustahqeen Zakat
iii) Zakat accounts maintained for collection & disbursement of Zakat Funds
iv) Students
v) MCB Employees, their spouse and MCB retired staff getting pension in their MCB account, their account will remain as
“Staff" and all Basic Banking Accounts.
( h ) No charges on conversion of existing accounts to Basic Banking Accounts (BBA) as per SBP Instruction.

7 Transaction Fee on Basic Banking Account (BBA)

a) i) Each month the account holder will be allowed Free
2 deposit transactions(either cash or through
clearing) & 2 withdrawals (cash or clearing)
ii) Transaction over & above the limit will be charged Rs.35/- per transaction
b) Unlimited Cash withdrawals through MCB's own Free
ATMs
c) Duplicate statement of account (other than once in a year) Rs.35/-

8 PLS Savings Xtra a) Customer will have upto 3 Free over the counter
cash withdrawal transactions per month
b) From 4th transaction onward Rs.25 will be charged
for each cash withdrawal made through cheque.
c) There will not be any restriction on Cash
withdrawals through e-Channels.
9 Charges for cheques returned 3060601030
a) For LCY a/c Rs.300/- (Inward)
b) For FCY a/c US$.6/- ,GB.£.5/- ,Euro€.5/-
These charges are recovered from the drawer(our A/c holder)
who has issued cheque drawn on our bank branch which is
returned unpaid due to insufficient funds. Where cheques
returned on counter no charges will be recovered
 22

S.# ITEMS RATES GL CODE

10 Same Day Clearing Charges paid to NIFT 3060601030
a) For LCY a/c Rs.300/- (Per Cheque)
b) For FCY a/c US$.5/- ,GB.£.4/- ,Euro€.4/- (Per Cheque)
(See Note Below)
Note:
Group Head/Business Heads may waive the charges in view of business consideration.

11 Inter-City Clearing:
a) Clearing charges Rs.200/- including NIFT charges (LCY) 3060601030
b) Cheque returning charges Rs.200/- including NIFT charges (LCY)
US$.3/- ,GB.£.2/- ,Euro€.2/- (FCY)
12 Balance confirmation Certificates 3060601030
(Required by customers other than auditors)
a) For LCY a/c Rs.100/- per certificate
b) For FCY a/c US$.3/- ,GB.£.2/- ,Euro€.2/- per certificate

13 Account maintenance certificate 3060601030

(For submission to Financial Institutions/Embassies/
Companies & Govt. Agencies at customer's request
a) For LCY a/c Rs.100/- per certificate
b) For FCY a/c US$.3/- ,GB.£.2/- ,Euro€.2/- per certificate

14 Charges on Collection of Utility Bills Rs.8/- per bill flat 3060701020

(Electricity, Gas, Telephone & Water charges) These charges are to be recovered from utility companies (Electricity)
Either paid by Cash or by Cheque and not from customers 3060701030
(Gas)
3060701040
(Telephone)
3060701090
(Water)

15 Account maintenance charges on all FCY a/c

(New FCA + Frozen)
CD & SB A/cs where balance is less than:
(a) New FCY Account 3060701070
i) US$.500/- US$.5/- per month
ii) G.B.£.500/- GB.£5/- per month
iii) Euro€ 500/- Euro€.5/- per month

(b) on Frozen FCY Accounts 3060701070

i) US$.500/- US$.5/- per month
ii) G.B.£.500/- GB.£.5/- per month
iii) Euro€ 500/- Euro€.5/- per month

16 Bulk salary processing charges Upto Rs 100 per txn.

(75 employees and above) TBD consent to be taken for all such cases.

17 PLS Salary Gold Account

a ) DD & PO Free
b ) First ATM Card Free ( for first year )
c ) First Cheque Book Free
d ) Lockers 25% Discount
e ) On Line charges ( out of city )
i ) Deposit 50% Discount
ii ) Withdrawl 50% Discount
iii ) Fund transfer 50% Discount
f ) Salary Processing Fee Upto Rs.100/- Per Transaction

18 Investment Service
Processing Fee Rs.150/-
 23

S.# ITEMS RATES GL CODE

19 Charges for Privilege Banking Customers
(a) Inactivity/Dormancy fee Rs. 250/- for Current Account and Rs. 500 for Savings a/c
(b) Cash handling charges for FCY A/Cs 0.2% of amount
(c) Account Maintenance Charges
i) For LCY a/c Rs.100/- per month
(if balance is below 2.5 M in Saving or Term deposit & 1 M in Current a/c)
ii) For FCY a/c US$.5/- ,GB.£.5/- ,Euro€.5/- per month
(if balance is below $ 10,000 / EUR€ 8,000/ GBP£ 8,000)

(d) Return on Unpaid Cheque incase of insufficient

funds }
Rs.300 (Inward) intercity clearing
Rs.200 (Outward)

Note:
Recovery of these charges can be reduced / waived by relevent group/business.

CONSUMER BANKING
L MCB 24 HOURS CASH CARD
SMART CARD(ATM/DEBIT CARD)
1 SMART CARD (ATM/DEBIT CARD) CLASSIC GOLD
A - LOCAL:
(i) Issuance of new card * Rs.250/- Rs.350/- 3030201010

(ii) Renewal Rs.250/- Rs.350/- 3030201030

(iii) Issuance of Supplementary card * Rs.100/- Rs.100/- 3030201050

(iv) Re-issuance Rs.250/- Rs.350/- 3030201060

(v) Complimentary Card Subject to approval by Group Head/Business Heads 3030201020

Renewal charges will be applied after one year.
* No charges for MCB Staff & Retired Staff ( see note below)
(Max 2 Accounts)

B - INTERNATIONAL: CLASSIC GOLD

(i) Issuance of new card Rs.350/- Rs.500/- 3030101480

(ii) Renewal Rs.350/- Rs.500/- 3030101600

(iii) Issuance of Supplementary card Rs.200/- Rs.200/- 3030101510

(iv) Re-issuance Rs.350/- Rs.500/- 3030101600

(v) Complimentary Card Renewal charges will be applied after one year.
No Charges for MCB staff
2 MCB Merchant Discount/Servicing Fee Upto 3%

3 Cash on Debit Card through POS

(at Branch location)
Upto Rs.5,000/- Rs.50/- per transaction
From Rs.5,001/- to Rs.10,000/- Rs.100/- per transaction
From Rs.10,001/- to Rs.25,000/- Rs.200/- per transaction
 24

S.# ITEMS RATES GL CODE

4 Dispute Handling Charges:
(i) Domestic Sales Transaction dispute Voucher Retreival Fee = Rs.250/- per document 3060601030
handling charges for debit/ATM cards. No charges for MCB Staff Members

(ii) International Sales Transaction dispute Voucher Retreival Fee = Rs.800/- per document 3060601030
handling charges for debit/ATM cards. 50% charges to be waived for MCB Staff.

5 Cirrus Branded Smart Cards:

(i) Transaction made on overseas ATMs Charges 2.75% or US$3/- per transaction 3030101230
whichever is higher.

(ii) Balance Enquiry on other Banks ATMs Charges equal to US$1/- per transaction. 3030101230

6 Balance inquiry:
- MCB Customer at MCB ATM Rs.2/- per transaction (No Charges for MCB staff) 3030201120
- MCB Customer at Mnet Member Bank Rs.4/- per transaction
- MCB Customer at 1Link ATM Rs.5/- per transaction

7 Mini Statement Rs.5/- per transaction. 3030201120

No charges for MCB Staff Members

8 Cash withdrawl made on MNET ATMs Rs.10/- per transaction 3030201110

9 Cash withdrawl made on 1Link ATMs: Upto Rs.15/- per transaction (flat) 3030201110
Shall be charged to customer.
10 Internal Funds Transfer through Smart Card Upto Rs. 20/- per transaction. 3030201130
ATM/Virtual Banking/Mobile/Call Centre No charges for MCB Staff members
( from customer's ownaccount to another account ).

11 Utility Bills payment through Smart Card Upto Rs.15/- per transaction. 3030201140
No charges for MCB Staff members

12 Mobile Phone Bill payment through Smart Card Upto Rs.15/- per transaction. 3030201150
No charges for MCB Staff members

13 Mobile Top-up Rs.15/- per transaction

No charges for MCB Staff members

14 Annual Virtual Banking Access Charges Standard SMS charges applied by respective telco are
( for individual customer ) applicable Upto Rs.300/- p.a. per User ID ( No charges for
MCB Staff)

15 Virtual Banking Charges

( For Transaction Banking Division Customer only ) Rs.25/- (minimum) per transfer or as per
All account to account transfer transaction charges agreement signed between the customer and
Transaction Banking Division
16 E-Statement:
Monthly E-Statement Free
On Demand E-Statement Rs.30/- per Statement (No charges for MCB Staff)

17 MCB Mobile:
Annual Fee Rs.300/- No Charges for MCB Staff
 25

S.# ITEMS RATES GL CODE

M MCB VISA CREDIT CARD

GOLD CLASSIC PLATINUM
1 Joining Fee FREE FREE FREE

2 Annual Fee FREE FREE FREE

3 Annual Chip Maintenance Fee Rs.500 p.a. Rs.350 p.a. Rs.2,000/- p.a. 3050101140

4 Supplementary Annual Fee FREE FREE FREE

5 Annual Supplementary Chip Maintenance Fee Rs.300 p.a. Rs.300 p.a. Rs.500 p.a. 3050101140

6 Annual Fee/Per Visit Fee

(a) Priority Pass Annual Fee USD 10 or equivalent Pak Rupee
(b) Priority Pass Per Visit Fee USD 28.5 or equivalent Pak Rupee

7 I-Cash on Call
8 Service Fee/Markup on Cash Transactions
3.25% for service fee/markup per month translated into
an APR of upto 39% on daily basis from the booking date
Rs.350/- (per request) or upto 2% of amount whichever is
higher
3.25% for service fee/markup per month translated into 3050101190
an APR of upto 39% calculated on daily unpaid balance
from date of transaction

9 Service Fee/Markup Retail(Fixed APR) 3.25% for service fee/markup per month translated 3060601030
into APR of upto 39%

10 Service Fee/Markup Retail Upto 41% to 36% APR based on continuous revolve of 3060601030
(Variable APR i-revolve) per retail transaction for six months or above

This is charged on per retail transaction from an MONTH APR PER MONTH
APR of 41% in first revolve month and based on Month 1 Upto 41% 3.42%
revolving of the transaction the rate continues Month 2 Upto 40% 3.33%
declining each month for six months to a minimum Month 3 Upto 39% 3.25%
of 36% i.e sixth revolve month and continues at this Month 4 Upto 38% 3.17%
rate till the transaction is fully paid. Month 5 Upto 37% 3.08%
Month 6 & beyond till the
transaction is not fully settled Upto 36% 3.00%.

11 Late Fee Rs.1000/- or 10% of minimum payment whichever is higher. 3050101210

12 Cash Advance Fee Rs.500/- (per transaction) or upto 3% of the cash 3050101200
advance transaction amount (whichever is higher)
plus all charges passed on by the acquiring bank.

13 Overlimit Fee Rs.1,000/- 3050101270

14 Voucher Retrieval Fee

For Local Rs.250/- per document 3060601030
For Foreign RS.800/- per document

15 Credit Security Upto 0.60% of total monthly outstanding balance 3060601030

16 i-Insure
i-Insure Package 1 1 PKR 600,
i-Insure Package 2 2 PKR 300
i-Insure Package 3 3 PKR 200,
Wallet Protection PKR 75 per month
 26

S.# ITEMS RATES GL CODE

17 i-Plan APR starting from 22.36% upto 26.28% 3050101340
Processing fee 2% per transaction or Rs.350/-
Prepayment charges Rs.1,000 or 5% of outstanding instalment balance
(whichever is higher)

18 i-Dial APR starting from 22.36% upto 26.28%

Processing fee Rs.350/- (per request) or upto 2% of amount requested
(whichever is higher)

Prepayment charges Rs.1,000 or 5% of outstanding instalment balance 3050101350

(whichever is higher)

19 i-Switch APR starting from 22.36% up to 26.28%

Processing fee: Rs. 350/-(per request) or upto 2%of the amount requested
(whichever is higher)
Prepayment charges: Rs.1,000 or 5% of outstanding instalment balance
(whichever is higher)

20 Arbitration Charges for Disputed Transactions US$ 500 or equivalent Pak Rupee 3060601030

21 Card Replacement Fee Upto Rs.500/- 3050101220

22 Cheque Return Charges/ Insufficient funds Upto Rs.600/- 3050101220

on Auto debit

23 Pay Order/ Demand Draft issuance Fee Upto Rs.500/- 3030401010

24 Cash Payment Processing Fee Upto Rs.100/- per bill (for MCB A/c holder)
Upto Rs.200/- per bill (for non-account holders)

25 Duplicate Statement Rs.35 per statement (More than one month old) 3060601030

26 Foreign Transactions 5% over prevailing market rate or as per SBP directive. 3060601030
Transactions conducted in any other foreign currancy
will be first converted in to US $ as rate quoted under
arrangement with Visa/Master. Cross border transaction
fee will also be charged as per Visa/Master rules.
27 Credit Worthiness Certificate 3060601030
1 Certificate per 6 months Free
Subsequent requests Rs.200/- per certificate.

28 Safe Custody Charges on Post Dated Cheques Rs.500 per cheque 3060601030

29 Plan Conversion Fee Upto PKR 200 3060601030

30 Utility Bills Payment Rs 20/- per bill Charge to all MCB Visa Card Holders after 3040800000
obtaining their consent.

31 SMS Alert Fee Rs 20/- per month 3030101400

Charge to all MCB Visa Card holders after obtaining their
consent

32 Cheque / Cash Pickup Fee Rs.200/-

Note:
* All charges are exclusive of government taxes and are subject to change in rate which will be at the
discretion of the Bank and will be notified to the customer accordingly
 27

S.# ITEMS RATES GL CODE

33 MCB VISA PREPAID Freedom Liberty Ease

Package1 Package2 Package3
Card Issuance (Nil for load amount above Rs. 10,000) Rs.100/- Rs.75/- Rs.50/- 3030101740

Utility Bill Payment (per bill payment) Rs.20/- Rs.20/- Rs.20/- 3030101880

Internet Charges per session Rs.50/- Rs.50/- Rs.50/- 3030101900

Card replacement Rs.100/- Rs.100/- Rs.100/- 3030101770

McDonalds Card Issuance against any package Rs.250/- Rs.250/- Rs.250/- 3030101770

Annual Fee Rs.100/- Rs.100/- Rs.100/- 3030101750

Re- Load Fee Nil Nil Nil 3030101760

Refund Charges Rs.100/- Rs.100/- Rs.100/-

ATM Withdrawals (international usage) 2% Min Rs.200/- 2% Min Rs.200/- 2% Min Rs.200/- 3030101810

POS Purchase (international usage) 2% Min Rs.200/- 2% Min Rs.200/- 2% Min Rs.200/- 3030101820

Balance inquiry at 1Link ATMs Rs.5/- Rs.5/- Rs.5/- 1090803140

Balance inquiry at MNET ATMs Rs.4/- Rs.4/- Rs.4/- 1090803140

International Balance inquiry Rs.50/- Rs.50/- Rs.50/- 3030101810

ATM Withdrawals1link ATMs Rs.15/- Rs.15/- Rs.15/- 1090803140

ATM Withdrawals (MNET) Rs.10/- Rs.10/- Rs.10/- 1090803140

Voucher Retrieval Fee PKR Rs.250/- Int Rs.800 Same Same 3030101830

Arbitration charges US $ 5 or equivalent Same Same 1090803050

Statement of account on request (hard copy) Rs.35/- Rs.35/- Rs.35/- 3030101840

Card Personalization fee Rs.200/- Rs.200/- Rs.200/- 3030101850

Note:
Federal Excise Duty (FED) will be levied on above charges if applicable

34 VISA Debit Card CLASSIC GOLD PLATINUM

Issuance Fee - Basic upto 550/- upto 650/- upto 800/-
Annual Fee - Basic upto 550/- upto 650/- upto 800/-
Issuance Fee - Supplementary upto 250/- upto 350/- upto 500/-
Annual Fee - Supplementary upto 250/- upto 350/- upto 500/-
(No Charges for Staff)
35 VISA Mobile
Annual Fee upto 700/- upto 850/- upto 1,000/-
Issuance Fee upto 700/- upto 850/- upto 1,000/-
(No Charges for Staff)
36 VISA Family Pack
Issuance Fee upto 800/- upto 900/- upto 1,000/-
Annual Fee upto 800/- upto 900/- upto 1,000/-
(No Charges for Staff)
Balance Inquiry
MCB customer at MCB ATMs Upto Rs 2/- per transactions
MNET Upto Rs 4/- per transactions
1-Link Upto Rs 5/- per transactions
Mini Statement Upto Rs 5/- per transactions
Cash Withdrawal on M-NET Rs 10/- per transactions (Flat)
Cash Withdrawal on 1-Link Rs 15/- per transactions (Flat)
 28

S.# ITEMS RATES GL CODE

International
Cash Withdrawal Upto PKR 200 or 2% of transaction (whichever is higher)
POS Usage Upto 2%
Balance Inquiry Upto PKR 50
Other Charges:
Voucher Retrieval Fee (Local) PKR 250 per document
Voucher Retrieval Fee (International) PKR 800 per document
Arbitration Charges USD 500 or equivalent Pak Rupee
Utility Bill, Mobile Bills & Mobile Top Ups Payments Upto PKR 20
Internal Funds transfer through VISA Debit Cards Upto PKR 20 per transaction
International customer on MCB ATMs (acquirer) Upto PKR 200 per transaction

N CUSTODIAL SERVICES
1 For CDC eligible securities:
i) Initial Deposit Fee (one time charge) Rs.0.04 per share deposit fee to be charged monthly. 3060601150

ii) Transaction/Settlement Fee Rs.0.05 per share upto 70,000 shares 3060601150
thereafter Rs.3,500 per settlement
CDC charges will be applicable.

iii) Custody/Position Fee 0.30% p.a over month end market value of shares. 3060601150

iv) Withdrawal Fee Rs.0.40 per share to be charged at the time 3060601150
of withdrawal.

v) Participation Fees Rs.3,000/- for individuals 3060601150

(one time charge) Rs.5,000/- for institutions

vi) Documentation Fee for sub account Rs.1,000/- one time fixed 3060601150

vii) Monthly Fee for sub account Rs.300/- for individuals 3060601150

viii) Requested statement Fee Rs. 10/- per page of statement 3060601150

ix) Communication/Mailing charges Actual plus 5% of Actual 3060601150

x) Stamp Fee Actual 3060601150

2 For Physical Securities

i) Settlement charges per trade per security Rs.0.05% per share upto 70,000 shares, 3060601150
including all corporate actions and thereafter Rs. 5,000/- per settlement
registration.

ii) Custody Charges 0.30% p.a. over month end market value of share. 3060601150

iii) Documentation, Communication/Mailing Actual 3060601150

and Stamp Fee

Note:
For individuals, there is a minimum monthly charge of Rs.1,000/- if actual billed amount is less than
Rs.1,000/-. In case actual is more than this figure, the higher amount will be billed.
 29

S.# ITEMS RATES GL CODE

O CONSUMER LOAN PRODUCTS

1 (a) Personal Loans (PL)
i) Processing Fee 1% of the loan amount or Rs.2,500/- whichever 3030101180
is higher
ii) Full Prepayment Fee:
a) 1st Year * Upto 10% of remaining principal amount 3060702030
b) 2nd - 3rd year Upto 5% of remaining principal amount
c) 4th & subsequent years of financing Upto 4% of remaining principal amount

iii) Partial prepayment Fee:

a) 1st Year * Upto 10% of partial paid amount 3060702030
b) 2nd - 3rd year Upto 5% of partial paid amount
c) 4th & subsequent years of financing Upto 4% of partial paid amount

iv) Late payment charges 10% of instalment or Rs.1,000/- whichever is higher 3060702070

v) PayOrder/DD Reissuance charges Upto Rs.500/- 3030401010

if lost by customer

vi) Balance confirmation certificates Upto Rs.500/- 3060601030

(required by customer other than auditors)

(b) Pyara Ghar (Home loans)

i) Documentation charges
a ) Processing Fee Rs 7,500/- Non Refundable 3030101170
(Rs.4,000/- in case of BTF)
b) Legal Stage 1 Rs.2,500/- or actual whichever is higher
Legal Stage 2 Rs.2,000/- or actual whichever is higher
c) Income Estimation Rs.5,000/- or actual whichever is higher
d) Appraisal Fee Rs.3,000/- or actual whichever is higher
e) Property Insurance 0.1% of loan amount

ii) Full Prepayment Fee (non-BTF cases):

1st year * Upto 5% of remaining principal amount 3060702050
2nd year Upto 4% of remaining principal amount
3rd and subsequent years of financing Upto 3% of remaining principal amount

iii) Full Prepayment Fee (BTF cases):

1st year Upto 10% of remaining principal amount 3060702050
2nd year Upto 8% of remaining principal amount
3rd and subsequent years Upto 6% of remaining principal amount
of financing
iv) Partial Prepayment Fee:
After completion of first calendar year, only 10% of
the remaining outstanding will be allowed as balloon
payment/partial prepayment without any charges.
Any amount prepaid above 10% of outstanding
principal in a calendar year or prepayment in the
first year will have prepayment penalty charges as
below:
During 1st year Upto 5% of partial paid amount 3060702050
2nd year Upto 4% of partial paid amount
3rd and subsequent years Upto 3% of partial paid amount
of financing (See note below)
Note:
A year is equal to 12 instalments from date of disbursal. Maximum 2 partial repayment in a year allowed
with 6 months interval.

S.# ITEMS
v) Late payment charges
vi) Pay Order/DD Reissuance charges
if lost by customer
vii) Balance confirmation certificates
(required by customer other than auditors)
(c) Business Sarmaya (Running Finance)
i) Documentation Charges
a ) Processing Charges:
b) Legal Stage 1
Title Verification(if applicable)
Legal Stage 2 (Proff Fee)
Lien Marking Charges
c) Income Estimation
d) Appraisal Fee
ii) Line Renewal charges
iii) Balance confirmation certificates
(required by customer other than auditors)
iv) Pay Order/DD Reissuance charges
if lost by customer
v) Penal Markup rate after 45 days of default
vi) Late payment Charges
(d) Business Sarmaya (Term Loan)
i) Documentation charges:
a ) Processing Charges
b) Legal Stage 1
Legal Stage 2
c) Income Estimation
d) Appraisal Fee
e) Property Insurance
ii) Full Prepayment Fee (non-BTF cases)
1st year *
2nd year
3rd and subsequent years
of financing
iii) Full Prepayment Fee (BTF cases)
1st year *
2nd year
3rd and subsequent years
of financing
iv) Partial Prepayment Fee:
After completion of first calendar year, only 10%
of the remaining outstanding will be allowed as
balloon payment/partial prepayment without any
charges. Any amount prepaid above 10% of
outstanding principal in a calendar year or
prepayment in the first year will have prepayment
penalty charges as below:
During 1st year
2nd year
3rd and subsequent years
of financing (See note below)
30
RATES GL CODE
10% of instalment or Rs.1,000/- whichever is higher. 3060702080
Upto Rs.500/- 3030401010
Upto Rs.500/- 3060601030
Rs.7,500/- Non Refundable 3030101210
(Rs.4,000/- in case of BTF)
Rs.1,000/- or actual whichever is higher
Rs.1,500/- or actual whichever is higher
Rs.2,000/- or actual whichever is higher
Rs.1,500/- or actual whichever is higher
Rs.5,000/- or actual whichever is higher
Rs.3,000/- or actual whichever is higher
Rs.10,000 or 0.25% of line limit, whichever is higher. 3030101200
Upto Rs.500/- 3060601030
Upto Rs.500/-
3% extra markup on outstanding principal balance
10% of instalment or Rs 1,000/- whichever is higher
Rs.7,500/- Non Refundable
(Rs.4,000/- in case of BTF)
Rs.2,500/- or actual whichever is higher
Rs.2,000/- or actual whichever is higher
Rs.5,000/- or actual whichever is higher
Rs.3,000/- or actual whichever is higher
0.1% of loan amount
Upto 5% of remaining principal amount 3060702040
Upto 4% of remaining principal amount
Upto 3% of remaining principal amount
Upto 10% of remaining principal amount
Upto 8% of remaining principal amount
Upto 6% of remaining principal amount
Upto 5% of partial paid amount
Upto 4% of partial paid amount
Upto 3% of partial paid amount
 31

S.# ITEMS RATES GL CODE

v) Late Payment charges 10% of instalment or Rs 1,000/- whichever is higher
vi) Pay Order/DD Reissuance charges Upto Rs.500/-
(if lost by dealer)
vii) Balance confirmation certificates Upto Rs.500/-
(required by customer other than auditors)
Maximum 2 partial repayment in a year allowed with
6 months interval.
(e) Car4U (Auto Finance/Lease)
i) Processing Fee 3030101180
New Car Upto Rs.4,500/- non-refundable
Used & Imported Car Upto Rs.5,000/- non-refundable

ii) Full Prepayment Fee: 3060702040

1st year * Upto 8% of remaining principal amount
2nd year Upto 5% of remaining principal amount
3rd year and all subsequent years of financing Upto 3% of remaining principal amount

iii) Full Prepayment Fee(3 months Instalment 3060702040

Deferred Product)
1st year * Upto 10% of remaining principal amount
2nd year Upto 7% of remaining principal amount
3rd year and all subsequent years of financing Upto 3% of remaining principal amount
iv) Partial Prepayment Fee: 3060702040
1st year * Upto 7% of partial paid amount
2nd year Upto 5% of partial paid amount
3rd year and all subsequent years Upto 3% of partial paid amount
of financing

v) Repossession charges Upto Rs.20,000/- (within Same City) 3060601080

Upto Rs.25,000/- (Remote City)
Upto Rs.30,000/- (out of province)

vi) Late payment charges 10% of instalment or Rs.1,000/- whichever is higher. 3060702060

vii) PayOrder/DD Reissuance charges if lost by dealer Upto Rs.500/- 3030401010

viii) Balance confirmation certificates Free 3060601030

(required by customer other than auditors )

ix) Vehicle evaluation/Parking/Legal Charges Upto Rs.10,000/- 3060601030

x) NOC for lien removal after 1 month of case Free 3060601030

settlement

xi) NOC for Issuance of Duplicate Registration Free 3060601030

Book

xii) Hypo** (if not marked on registration Book ) Upto Rs.2,500/- to be borne by dealer 3060601030

xiii) Vehicle Appraisal charges for new applicants Rs.1500/- per vehicle
(where applicable)

* A year is equal to 12 instalments from date of disbursal

** A maximum of 2 partial prepayment are permissible in a year at 6 months interval and the minimum
amount for a partial prepayment should be equal to 6 monthly instalments

2 Saving Maximizer Account

a ) Issuance of Pay Order Rs.75/-
b ) Issuance of Cheque Book Regular rate will be applied
 32

S.# ITEMS RATES GL CODE

P CASH 4 CASH
1 Processing Fee Rs.5,000/-
2 Income Estimation Rs.5,000/- or actual which ever is higher
3 Legal Documentation Rs. 500/- or actual which ever is higher
- Business Head is having discretion to waive.
- External agency fees are subject to change based on the vendor agreement.
Note:
For individuals/employees only. Separate terms and conditions will apply for institutional arrangements.
Bank may revise/adjust the rates on changes in interest rates, application of taxation & based on group
customer's risk relationship.
Above charges can be negotiated/waived at bank's discretion.

Q FEE EXEMPTION GRID

SERVICE CHARGES ARE EXEMPT IN THE
FOLLOWING CASES
For Individuals/Joint Accounts
Where average monthly balance of Rs.2M in all
profit bearing account (except 365 Gold)
Rs.0.5 M in Current Account and in Foreign
Currency Account. $ 20,000 or equivalent
Stop Payment Maximum 10 transactions
Issuance of PO, DD, TT (LCY) per month in all cases.
Balance confirmation certificate
50% discount on locker rental
Duplicate statement of Account
Note:
These waivers will also be applicable to customers having average balance utilization of Rs.25M
(average annual balance) for lending customers. Discount on locker is subject to availability at the
account residing branch.
For Business Account MONTHLY AVERAGE BALANCE IN BUSINESS ACCOUNT
100k to 250k 250k to Less than 1M 1M & above
Intercity Deposits 4 6 8
For every transaction exceeding above number:
Upto.500,000/- Rs.250/ per remittance charged
Above Rs.5,00,001/- Rs.0.06% per remittance
Note:
All waivers shall be cancelled as of 31.01.11 Branches/Business should obtain new exemption
from GH-CBBG shall be for the period ending June 30,2011.
Intercity Withdrawals Unlimited Unlimited Unlimited
Free Demand Drafts 3 DDs (upto 100K) 5 DDs (upto 250K) 7 DDs (upto 500K)
Free Pay Order 1 2 3
Free Cancellation of Demand Draft 1 2 3
Free Cancellation of Pay Order 1 2 3
Free Cheque Book Every Quarter 25 Leaves 50 Leaves 100 Leaves

Free Cheque Book at A/C Opening 25Leaves for opening balance of above Rs 50K

ATM Joining Fee Free Free Free

Duplicate Bank statement Free-for last six month and Upto 2 requests per month.

For MCB Privilege Customers

Minimum Balance requirement for Privilege Customer
(PKR 2.5 M in Saving or Term Deposit and 1 M in Current Account). Charges

Annual /Joining fee-Visa Credit Card Free

Annual Chip maintenance Fee-Visa Credit Card Free
Annual Supplementary Fee-Visa Credit Card Free
 33

S.# ITEMS RATES GL CODE

Annual Supplementary Chip Maintenance Free
Fee-Visa Credit Card - Free

Chequebook Issuance Free

Pay Order Free
Demand Draft Free

Intercity Withdrawals Free

Intercity Deposits Free

Stop Payment of Cheque Free

Standing Instructions Free

Pay Order /DD Cancellation Free

Duplicate Statements Free

Return of Unpaid Cheque Free

Service Charge minimum balance Free

Debit Card Fee & ADC Reg Free

Same Day Clearing charges Free

Auto Loan Processing Fee 50% Off

Mortgages Processing Fee 50% Off

Lockers 50% Off

Priority Pass Annual Fee Free

MCB Visa Platinum Credit Card

Platinum Credit Card chip maintenance fee
(customers who already have MCB Visa Card
including MCB staff)
Platinum Credit Card chip maintenance fee
(MCB staff with MCB Visa Card)
Free till completion of current anniversary of existing
MCB Visa
75% waiver on chip maintenance from second year
onwards on basic card

Platinum credit card chip maintenance fee 75% fee waiver on basic card
(MCB Staff only - new issuance)

Annual fee for Priority Pass as well as chip Free.

maintenance fee of Platinum credit card for
Privilege Banking

Customers Charity Fund Collection at ATM Free.

 Lion’s: 37353087

111-000-MCB (622)
www.mcb.com.pk