Its good to know about our service and charges

Service and Price Guide Ghana

Effective March 30
th
, 2014
3
1
Financial
decisions
to make
Transparent
guide that
makes it
possible
Personal Banking
Current Account Amount in GH
Initial Opening Balance
Standard Current Account 100
Access 247 20

Commission on Turnover (Monthly)
Standard Current Account 10 Flat
Access 247 Free

Savings Account
Initial Opening Balance
Savings Plus * 100
My Dream Account (For kids below 18yrs) 200

Minimum Operating Balance**
Savings Plus 100
My Dream Account 100
Savings account maintenance fee Free
*After 4 branch withdrawals, customer
forfeits interest for the month
** Customers will not be allowed to withdraw
below the minimum balance

DEBIT CARDS
Card issuance/re-issuance fee
Visa Gold 15
Visa Gold (Access 247) 10
Maintenance fee per month
Visa Gold 5
Non collection of cards after 3 months 10
Lost/damaged cards Same as new issuance

Withdrawal fee per transaction from
SCB ATMs Free
Other Bank ATMs (Domestic) 4
Other Bank ATMs (International) 5
In- Branch Cash Withdrawal of less than GHC 400 3
Payments via POS terminals Free

PERSONAL LOANS
Arrangement Fees (spread over loan term)
New Loans 2.5%
Top Ups 2.0%
Credit Life Insurance 1.66% (upfront on loan Amt)
Early Settlement Fee 5% (on loan balance)
Premium Banking
Current Account Amount in GH
Initial Opening Balance
Premium Current Account 1,000
Diva Club Current Account 1,000
Commission on Turnover (Monthly)
Premium Current Account * 12 Flat
Diva Club Current Account 12 Flat
* No Commission on Turnover for
average balances above GH 10,000

Savings Account
Initial Opening Balance
Premium Savings Account 1,000
Minimum Operating Balance
Premium Savings Account 500

Commission on Turnover Free
Minimum Relationship Balance Requirement
Priority Banking
(Total balance on all accounts held) 70,000
DEBIT CARDS
Card issuance/re-issuance
Visa Platinum 50
Visa Infnite By invitation

Maintenance fee per month
Visa Platinum 10
Visa Infnite 15
Non collection of cards after 3 months 10
Lost/damaged cards Same as new issuance

Withdrawal fee per transaction from
SCB ATMs Free
Other ATMs (Domestic) 4
Other ATMs (International) 5
Payments via POS terminals Free
General Banking Services
Local Currency Cheques Amount in GH
Personal Cheque/Withdrawal book
50 leafets Savings Account withdrawal book 10
50 leafets Current Account cheque book 12
Clearing
Special Clearing 25 Flat
Local Clearing Free

Returned Cheque
Insuffcient funds 10% of value or Min 40
Other Technical Reasons 10
Counter Cheque 2
Stopped Cheque 5
Cheque/Voucher retrieval 15
Account Closure Free
Statements
Screen print statements 0.5 per sheet
Duplicate statements 1.5 per sheet
Visa statements 5 per sheet

Standing Orders
Internal Free
External 3.5
Standing order default for insuffcient funds 10
Note Instruction will be cancelled after third instance of default

Money Transfer (In Country)
Transfer across SCB network Free
Transfer to another bank 0.25% of value, Min 5, Max 20

Bank Cheque/Cashiers Order
Purchase / Repurchase 0.25% of value, Min 10, Max 20
School Fees / Exams Fees 5 Flat

Salary Processing
Straight2Bank (Internet) Free
Automated Processing Free
Manual Processing Free
Digital Banking Services
Online Banking (Internet) Free
e-Statements Free
SMS-Alerts 1.5 (monthly)
Mobile Banking Free
* Foreign Currency
Commission On Turnover - FEA & FCA Amount in GH

Average Credit Balance USD or EUR or GBP

<5k 13 18 22
5k-10k 39 52 64
10k-25k 65 87 107
25k-50k 117 157 193
50k-100k 169 227 279
100k-200k 208 280 344
>200k 260 350 430
DEBIT CARDS
Card issuance/re-issuance
Visa Gold 15
Visa Platinum 50
Visa Infnite By invitation
Maintenance fee per month
Visa Gold 5
Visa Platinum 10
Visa Infnite 15
Outward Telegraphic Transfers 1.5% of value
Min 150

Online Outward Telegraphic Transfers 0.75% of value
Min 75
Inward Telegraphic Transfers 0.5% of value
Min 25
Max 1250
Foreign Cash Withdrawal
FCA Accounts 2.5% of value
FEA Accounts Free
FEA Accounts 2.5% of value if funds came
from off-shore
Foreign Deposits
Cash deposit into FEA account Free
Statement Request
VISA Statement 5 per sheet
Duplicate Statement 1.5 per sheet

Foreign Draft/Cheque for collection
Foreign cheques 0.05% of value, Min 25
Amendment for outward Transfer instruction 50 Flat
SME Banking
Local Currency Amount in GH
Initial Opening Balance
Current Account 1,000
International Trade Account 2,000
Savings Account (Initial Opening Bal.) 3,000
Minimum operating balance 2,000
Monthly Commission on Turnover
<GH 50K 30 Flat
<GH 50K - GH 100K 50 Flat
<GH 100K - GH 200K 150 Flat
<GH 200K 250 Flat

Local Currency Cheques
100 leaves cheque book 15
Clearing
Special Clearing Inward 0.25% of value, Min 25, Max 50
Local Clearing Outward Free
Returned Cheque
Insuffcient funds 10% of value or Min 50
Other Technical Reasons 10
Stopped Cheque 20
Cheque/Voucher retrieval 30
Account Closure Free
Standing Orders
Internal Free
External 3.5
Standing order default for insuffcient funds 20
Note Instruction will be cancelled after third
instance of default
Digital Channels

Straight2Bank
Set-up Free
Maintenance Fee Free
Transactional Fees Manual Online
Book Transfer 1.0 Free
Automated Clearing House (ACH) 2.5 1.5
Local Bank Cheque (LBC) 3.0 2.0
Corporate Cheques (Banks Forms) 3.0
Corporate Cheques (Customers Forms) 0.5
SME Banking contd
Statements Amount in GH
Screen printed statements 0.5 per sheet
Duplicate statements 1.5 per sheet
Visa statements 5 per sheet
Introductory/Comfort Letter 20
Auditors Report 100
Equity Confrmation 300

Business Registration Confrmation 30
Pick Up/Delivery Services
Cash/Cheque Pick up (intra city) 25 per pick, weekday,
(inter-city charge will be negotiated) 30 per pick weekend/Holidays
Cash Delivery (intra city) 30 per each delivery
(inter-city charge will be negotiated 35 per each delivery/Holidays
International Tade Account Charges Manual Online
Outward TT
Local 0.75% of value 0.5% of value
International (SCB to SCB) Free Free
International (All others) 1.5% of value 0.75% of value
Min 150 Min 75
Inward TT
Local Free

International (SCB to SCB) Free
International (All others) 0.5% of value
Min 25
Max 1250
Letters of Credit
Import LCs
Establishment 1.0% pq(sight) and 1.5% pq(usance)
or part thereof + SWIFT + Courier
cost (to be taken upfront)
Amendment Commission As above on the enhanced
(extension or increase in amount ) amount + SWIFT
Subsequent Months 0.5% per month (Min 250)
Swift Charges 50
Extension/General Amendments 125 + swift
Import LC Cancellation 0.3%pq
Discrepancy 250
Import LC Cancellation 250 + swift

SME Banking contd.
Export LCs Amount in GH
Advising Commission 100
Export LC Amendment
Amendment Notifcation 400
Confrmation 0.75% (min 500)
Bills for Collection
Import Bills
Handling Fee 300
Payment Commission 0.75% (Min 150)
Swift Charges 75
Chaser Charges 75
Export Bills
Negotiation Commission 500
Courier Charges As per DHL Tariff
Chaser Charges 75
Bank Guarantees /
Performance Bonds
Issuance 0.5% pq (Min 500)
Amendments As above on the enhanced amount
Extension 0.5% pq
Transfers
Local Transfers 0.25%
Outward Transfers 1.5% of value
SME Banking
* Foreign Currency

Monthly Commission on Turnover
(FEA & FCA)
USD or EUR or GBP 50
Outward transfers/Swift/Telex 1.5% of value
Min 150

Inward Transfers 0.5% of value
Min 25
Max 1250
Statement Request
VISA Statement 10 per sheet
Duplicate Statement 3 per sheet

Corporate Banking
Local Currency Amount in GH
Initial Opening Balance
Current Account 500
Savings Account 2,000

Minimum Operating Balance
Savings Account 2,000

Monthly Commission on Turnover
<50k 100
50k - 100k 195
100k - 150k 285
150k - 200k 365
250k - 300k 475
300k - 350k 490
350k + 500
Cheques
Special/Speed Clearing Free
Local Clearing Free
Cheque book
100 leaves cheque book 10

Accounts closure Free

Transactional Fee Manual Online
Book Transfer 1.0 Free
Automated Clearing House (ACH) 2.5 1.5
Local Bank Cheques (LBC) 3.0 2.0
Corporate Cheques (Banks Forms) 3.0
Corporate Cheques (Customers Forms) 0.5
Info Manager 0.5
Direct Debit Manual Online

Direct Debit from SCB 2.5 1.5
Direct Debit from 3rd party 2
Direct Debit Reject 1

Returned Cheques
Insuffcient funds 10% of value, Min 40
Other Reasons 10
Cheque Purchase 0.5 % of value, Min 10
Cheque/Voucher retrieval 20
Stopped Cheques 10
Corporate Banking contd.
Local Currency Amount in GH
Standing Orders
Internal Free
External 3.5
Standing Order Default for insuffcient funds 10

Other Services
Certifcate of balance of Ref 15
Screen Printed Statements 0.5 per sheet
Equity Confrmation processing fee 30
Duplicate Statement (Hard copy) 1.5 per sheet
Duplicate Statement (Soft copy) 0.5 per sheet
Visa Statement 5 per sheet
Audit Confrmation Report 25
Pick Up/Delivery Services
Cash/Cheque Pickup (intra city) 24 per pick, weekday,
(inter-city charge will be negotiated) 27 per pick weekend/Holidays
Cash Delivery (intra city) 30 per each delivery
(inter-city charge will be negotiated) 35 per each delivery/Holidays

Corporate Banking
* Foreign Currency
Monthly Commission on Turnover
(FEA & FCA)
Development Organisations 1.50 per mille, Min 40
Other Corporates 1.75 per mille, Min 40
MT 205 50

Outward transfers/Swift/Telex Manual Online
1.5% of value 0.75% value
Min 150 Min 75
Inward Transfers 0.5% of value
Min 25
Max 1250
Foreign Deposit
Cash deposit into FEA account Free
FCA Accounts 2.5% of value
FEA Accounts Free
Corporate Banking
* Foreign Currency Amount in GH
SWIFT
MT 900/940/950 150 per Account/Month
Statement Request
Visa Statement 8 per sheet
Duplicate Statement 3 per sheet

Foreign Draft/Cheque for collection
Foreign cheques 0.05% of value, Min 25
Amendment for outward Transfer instruction 50 Flat
Corporate Banking
TRADE
Import Letters of Credit
Issuance Commission for 1.0% pq (sight) and 1.5% pq (usance)
Sight/Usance LCs or part thereof +SWIFT+Courier
cost (to be taken upfront)
Amendment Commission As above on the enhanced
amount+SWIFT
(Extension/Increase in amount) 125 + SWIFT
General Amendments
SWIFT 50
Drawing Under LC (Presentation) 0.5% of value
Discrepancy Fee 250
LC Confrmation 0.3% pq

Export Letters of Credit
125
- Non A/C Holders 250
Confrmation Commission 0.75% p.a. (Min 500)
Negotiating Commission Under L/C 1.0% (Min 500 + Courier
cost per parcel)

Amendments - A/C Holders 125
- Non A/C Holders 250
SCBGH/TARIFF/3/14
Corporate Banking
TRADE
Transfer of LCs 0.5% of the LC value + SWIFT
Discounting Commission 1 month libor + 900 basis points

Import Bills for Collection
Acceptance Commission 0.5 % of bill amount
Settlement Commission (Payment) 0.75% of bill amount + SWIFT

Avalisation Commission 1% per quarter upfront
SWIFT 125
Export Bills For Collection
Issuance Handing Commission 125
Settlement Commission 1% of bill amount + Courier cost
Export Under Credit 1% fat of bill amount + Courier cost

Guarantees /Bonds / SBLC
Issuance comm 1% pq or Min 500 (whichever
is higher) to be taken upfront
Amendments Extension/Increase in Value As above on the enhanced amount
+ SWIFT
Amendments (others) 125 + SWIFT
Shipping Guarantee 0.5% pq or Min 250 (whichever
is higher) to be taken upfront
Open Account Payment/Transfer
Settlement Commission (Payment) 0.75% of bill amount
Min 200
* GHS fees for foreign currency accounts may change
subject to changes in FX rates