VISA products
Visa Classic
|
Annual membership fee
|
USD 45.00
|
|
Additional card
|
USD 10.00
|
|
Limits
|
300 and above
|
|
Monthly interest
|
1.5%
|
|
Year interest
|
18%
|
|
Over limit fee
|
USD 15.00
|
|
Late fee
|
USD 20.00
|
|
Cash advance fee
|
3% min. USD 10.00
|
|
Fraud fee (Optional)
|
USD26.00
|
|
Travel insurance
|
N
|
|
Car/Auto insurance
|
N
|
|
Balance insurance protection (optional)
|
Y -> 0.5% of outstanding balance
|
|
Replacement fee
|
USD 14.00
|
Visa AA
|
Annual membership fee
|
USD125.00
|
|
Additional card
|
USD 10.00
|
|
Limits
|
1,000.00 and above
|
|
Monthly interest
|
1.5%
|
|
Year interest
|
18%
|
|
Over limit fee
|
USD 15.00
|
|
Late fee
|
USD 20.00
|
|
Cash advance fee
|
3% min. USD 10.00
|
|
Fraud fee (Optional)
|
USD26.00
|
|
Travel insurance
|
Y
|
|
Car/Auto insurance
|
Y
|
|
Balance insurance protection (optional)
|
Y -> 0.5% of outstanding balance
|
|
Replacement fee
|
USD 14.00
|
Visa Platinum
|
Annual membership fee
|
USD 135.00
|
|
Additional card
|
USD 45.00
|
|
Limits
|
5,000.00 and above
|
|
Monthly interest
|
1.5%
|
|
Year interest
|
18%
|
|
Over limit fee
|
USD 25.00
|
|
Late fee
|
USD 25.00
|
|
Cash advance fee
|
3% min. USD 10.00
|
|
Fraud fee (Optional)
|
USD 36.00
|
|
Travel insurance
|
Y
|
|
Car/Auto insurance
|
Y
|
|
Balance insurance protection (optional)
|
Y -> 0.5% of outstanding balance
|
|
Replacement fee
|
USD 14.00
|
Visa Gold
|
Annual membership fee
|
USD 100.00
|
|
Additional card
|
USD 15.00
|
|
Limits
|
4,000.00 and above
|
|
Monthly interest
|
1.5%
|
|
Year interest
|
18%
|
|
Over limit fee
|
USD 15.00
|
|
Late fee
|
USD 20.00
|
|
Cash advance fee
|
3% min. USD 10.00
|
|
Fraud fee (Optional)
|
USD 26.00
|
|
Travel insurance
|
Y
|
|
Car/Auto insurance
|
Y
|
|
Balance insurance protection (optional)
|
Y -> 0.5% of outstanding balance
|
|
Replacement fee
|
USD 14.00
|
Visa Corporate
|
Annual membership fee
|
USD 100.00
|
|
Additional card
|
USD 25.00
|
|
Limits
|
500.00 and above
|
|
Monthly interest
|
1.5%
|
|
Year interest
|
18%
|
|
Over limit fee
|
USD 15.00
|
|
Late fee
|
USD 20.00
|
|
Cash advance fee
|
3% min. USD 10.00
|
|
Fraud fee (Optional)
|
USD26.00
|
|
Travel insurance
|
Y
|
|
Car/Auto insurance
|
Y
|
|
Balance insurance protection (optional)
|
N
|
|
Replacement fee
|
USD 14.00
|
MasterCard products
MasterCard Classic
|
Annual membership fee
|
USD 45.00
|
|
Additional card
|
USD 10.00
|
|
Limits
|
300 and above
|
|
Monthly interest
|
1.5%
|
|
Year interest
|
18%
|
|
Over limit fee
|
USD 15.00
|
|
Late fee
|
USD 20.00
|
|
Cash advance fee
|
3% min. USD 10.00
|
|
Fraud fee (Optional)
|
USD 26.00
|
|
Travel insurance
|
N
|
|
Car/Auto insurance
|
N
|
|
Balance insurance protection (optional)
|
Y -> 0.5% of outstanding balance
|
|
Replacement fee
|
USD 14.00
|
MasterCard Gold
|
Annual membership fee
|
USD 100.00
|
|
Additional card
|
USD 15.00
|
|
Limits
|
5100 and above
|
|
Monthly interest
|
1.5%
|
|
Year interest
|
18%
|
|
Over limit fee
|
USD 15.00
|
|
Late fee
|
USD 20.00
|
|
Cash advance fee
|
3% min. USD 10.00
|
|
Fraud fee (Optional)
|
USD26.00
|
|
Travel insurance
|
Y
|
|
Car/Auto insurance
|
Y
|
|
Balance insurance protection (optional)
|
Y -> 0.5% of outstanding balance
|
|
Replacement fee
|
USD 14.00
|
MasterCard Corporate
|
Annual membership fee
|
USD100.00
|
|
Additional card
|
USD 25.00
|
|
Limits
|
500 and above
|
|
Monthly interest
|
1.5%
|
|
Year interest
|
18%
|
|
Over limit fee
|
USD 15.00
|
|
Late fee
|
USD 20.00
|
|
Cash advance fee
|
3% min. USD 10.00
|
|
Fraud fee (Optional)
|
USD26.00
|
|
Travel insurance
|
Y
|
|
Car/Auto insurance
|
Y
|
|
Balance insurance protection (optional)
|
Y -> 0.5% of outstanding balance
|
|
Replacement fee
|
USD 14.00
|
MasterCard Black Personal
|
Annual membership fee
|
USD 200.00
|
|
Additional card
|
USD 75.00
|
|
Limits
|
USD 10,000.00 and above
|
|
Monthly interest
|
1.5%
|
|
Year interest
|
18%
|
|
Over limit fee
|
USD 25.00
|
|
Late fee
|
USD 25.00
|
|
Cash advance fee
|
3% min. USD 10.00
|
|
Fraud fee (Optional)
|
USD 36.00
|
|
Travel insurance
|
Y
|
|
Car/Auto insurance
|
Y
|
|
Balance insurance protection (optional)
|
Y -> 0.5% of outstanding balance
|
|
Replacement fee
|
USD 14.00
|
MasterCard Black Business
|
Annual membership fee
|
USD 200.00
|
|
Additional card
|
USD 75.00
|
|
Limits
|
USD 10,000.00 and above
|
|
Monthly interest
|
1.5%
|
|
Year interest
|
18%
|
|
Over limit fee
|
USD 25.00
|
|
Late fee
|
USD 25.00
|
|
Cash advance fee
|
3% min. USD 10.00
|
|
Fraud fee (Optional)
|
USD 36.00
|
|
Travel insurance
|
Y
|
|
Car/Auto insurance
|
Y
|
|
Balance insurance protection (optional)
|
Y -> 0.5% of outstanding balance
|
|
Replacement fee
|
USD 14.00
|
American Express – Pagomatico
|
Annual membership fee
|
USD 35.00
|
|
Additional card
|
USD 10.00
|
|
Limits
|
500 and above
|
|
Monthly interest
|
1.5%
|
|
Year interest
|
18%
|
|
Over limit fee
|
AFL/USD 15.00
|
|
Late fee
|
AFL/USD 20.00
|
|
Cash advance fee
|
3% min. AFL/USD 10.00
|
|
Fraud fee (Optional)
|
AFL/USD 26.00
|
|
Travel insurance
|
N
|
|
Car/Auto insurance
|
N
|
|
Balance insurance protection (optional)
|
Y -> 0.5% of outstanding balance
|
|
Replacement fee
|
USD 14.00
|
American Express products
American Express - Green
|
Annual membership fee
|
USD 35.00
|
|
Additional card
|
USD 10.00
|
|
Limits
|
500 and above
|
|
Monthly interest
|
1.5%
|
|
Year interest
|
18%
|
|
Over limit fee
|
AFL/USD 15.00
|
|
Late fee
|
AFL/USD 20.00
|
|
Cash advance fee
|
3% min. USD 10.00
|
|
Fraud fee (Optional)
|
AFL/USD 26.00
|
|
Travel insurance
|
Y
|
|
Car/Auto insurance
|
N
|
|
Balance insurance protection (optional)
|
Y
|
|
Replacement fee
|
USD 14.00
|
American Express - Gold
|
Annual membership fee
|
USD 95.00
|
|
Additional card
|
USD 10.00
|
|
Limits
|
5,100.00 and above
|
|
Monthly interest
|
1.5%
|
|
Year interest
|
18%
|
|
Over limit fee
|
AFL/USD 15.00
|
|
Late fee
|
AFL/USD 20.00
|
|
Cash advance fee
|
3% min. USD 10.00
|
|
Fraud fee (Optional)
|
AFL/USD 26.00
|
|
Travel insurance
|
Y
|
|
Car/Auto insurance
|
Y
|
|
Balance insurance protection (optional)
|
Y
|
|
Replacement fee
|
USD 14.00
|
MoneyCard products
Personalized Visa Money Card
|
Purchase fee
|
USD 30.00
|
|
Reload fee
|
USD 5.00
|
|
Limits
|
Can be loaded only up to $1,000.00
|
|
Minimum Load
|
USD 25.00
|
|
Cash advance fee
|
USD 5.00
|
|
Replacement fee
|
USD 14.00
|
|
Inactivity fee
|
USD 2.50 (Is applied on monthly basis after the card has expired)
|
Personalized Kompa Leon Money Card
|
Purchase fee
|
AFL 30.00
|
|
Reload fee
|
AFL 5.00
|
|
Limits
|
Can be loaded only up to AFL 1,000.00
|
|
Minimum load
|
AFL 25.00
|
|
Cash advance fee
|
AFL 3.00
|
|
Replacement fee
|
AFL 25.00
|
|
Inactivity fee
|
AFL 2.50 (Is applied on monthly basis after the card has expired)
|
The Florin Card Cash Back
| Benefits | First year membership fee waived
1.00% Cash Back |
Interest APR
| 18,00%
|
Annual Membership Fee
| Afl.
75
|
Additional Cardholder Fee
| Afl.
15
|
Late Payment Fee
| Afl. 15.00
|
Repayment
| 3.00% of OB
Min. Afl. 25.00
|
Over limit Fee
| Afl. 15.00
|
Lost/ Stolen Card
| Afl. 15.00
|
Balance Protection
| 0,50%
|
Fraud Protection
| Afl. 12.00
|
ATM Cash Advance Fee
| 3.00%*
|
Teller Counter Withdrawal
| 3.00%*
|
The Florin Card Efectivo
Benefits
| Annual membership waived
|
Interest APR
| 16,00%
|
Annual Membership Fee
| FREE
|
Additional Cardholder Fee
| FREE
|
Late Payment Fee
| Afl. 15.00
|
Repayment
| 3.00% of OB
Min. Afl. 25.00
|
Over limit Fee
| Afl. 15.00
|
Lost/ Stolen Card
| Afl. 15.00
|
Balance Protection
| 0,50%
|
Fraud Protection
| Afl. 12.00
|
ATM Cash Advance Fee
| 3.00%*
|
Teller Counter Withdrawal
| 3.00%*
|
The Florin Card AAdvantage
Benefits
| First year membership fee waived
|
Interest APR
| 18,00%
|
Annual Membership Fee
| Afl.
100,00
|
Additional Cardholder Fee
| Afl. 15.00
|
Late Payment Fee
| Afl. 15.00
|
Repayment
| 3.00% of OB
Min. Afl. 25.00
|
Over limit Fee
| Afl. 15.00
|
Lost/ Stolen Card
| Afl. 15.00
|
Balance Protection
| 0,50%
|
Fraud Protection
| Afl. 12.00
|
ATM Cash Advance Fee
| 3.00%*
|
Teller Counter Withdrawal
| 3.00%*
|
The Florin Card Corporate Cash Back
Benefits
| First year membership fee waived
1.00% Cash Back
|
Interest APR
| 18,00%
|
Annual Membership Fee
| Afl.
125
|
Additional Cardholder Fee
| Afl. 25.00
|
Late Payment Fee
| Afl. 15.00
|
Repayment
| 3.00% of OB
Min. Afl. 25.00
|
Over limit Fee
| Afl. 15.00
|
Lost/ Stolen Card
| Afl. 15.00
|
Balance Protection
| 0,50%
|
Fraud Protection
| Afl. 24.00
|
ATM Cash Advance Fee
| 3.00%*
|
Teller Counter Withdrawal
| 3.00%*
|
Merchant
|
Monthly Terminal Rental Fee:
|
|
|
Regular POS Machine
|
USD 20.00/AFL 35.00
|
|
POS terminal rental Internet
|
AFL 50.00
|
|
Wireless POS Machine
|
USD 57.00/AFL 100.00
|
|
Bank commission on credit card sales for Visa, MC and Discover
|
Initial fee 3.80%
|
|
Bank commission on credit card sales for Kompa Leon
|
Initial fee 3.55%
|
|
Bank commission on debit card sales
|
1.50%
|
Ecommerce
|
Monthly Fee
|
USD 30.00
|
|
Bank commission on credit card sales
|
Initial fee 3.80%
|
|
Transaction fee
|
USD 0.50 per transaction
|
|
Chargeback fee (<5% of transaction volume)
|
USD 7.50
|
|
Chargeback fee (>5% of transaction volume)
|
USD 10.00
|
Bancomatico
|
Membership fee
|
Free
|
|
Replacement fee
|
AFL 25.00
|
|
Forgotten / lost PIN fee
|
AFL 10.00
|
|
Fun Miles fee
|
AFL 15.00
|
|
Withdrawal fee at MCB Group ATMs
|
Free
|
|
Cirrus withdrawal fee
|
AFL 4.45
|
|
CashNet member withdrawal fee
|
AFL 2.00
|
|
International card holders withdrawal fee
|
USD 10.00
|
BCS Interest Letter
|
Hard copy Interest Letter
|
AFL 25.00
|
|
Soft copy via eAmigo (email)
|
AFL 5.00
|
|
BCS Claim fee only if customer is at fault or invalid charge back
|
AFL 5.00
|
BCS Claims
|
BCS Claim fee only if customer is at fault or invalid charge back
|
AFL 5.00
|
