Aceast ediie a intrat n vigoare din 15 septembrie 2014 i

nlocuiete ediia precedent din 07 octombrie 2013.

Fees and commissions

for individual customers

This edition came into effect starting with the 15th of September 2014
and replaces the previous edition of the 7th of October 2013.

Subsemnatul, Nume/The undersigned, Name________________________________Prenume/First

Name____________________ CNP/Personal Code __.__.__.__.__.__.__.__.__.__.__.__.__.,
identificat cu act de identitate seria/identity card serial ____ nr./no. ____________ emis de/issued
by __________________________ la data de/dated on __.__/ __.__/__.__.__.__.
Prin semnarea prezentei declar c am primit un exemplar din Tariful de comisioane persoane fizice,
Ediia 15 septembrie 2014, am neles i acceptat fr rezerve coninutul acestuia./ By signing this
declaration, I declare that I have received The Tariff of commissions for individual customers, Edition
15th September 2014, I comprehended and accepted without reserves its contents.
Sucursala/Agenia/
Branch/Agency ____________________
Semnturi autorizate/
Authorised Signatures
__________________________________

Semntur Client/
Client's Signature _________________
Data / Date ______________________

ALPHA BANK ROMANIA S.A.

Sediul Central: Calea Dorobanilor nr. 237B, 010566, Sector 1, Bucureti, Romnia, Tel.: (004021) 455 9998, Fax: (004021) 231 6570
Cod Unic de nregistrare: 5062063, Atribut Fiscal: RO, Numr de ordine n Registrul Comerului: J40/28415/1993, RB-PJR-40-022/1999
Capital social subscris i vrsat: 958.811.443,20 RON

Subsemnatul, Nume/The undersigned, Name________________________________Prenume/First

Name____________________ CNP/Personal Code __.__.__.__.__.__.__.__.__.__.__.__.__.,
identificat cu act de identitate seria/identity card serial ____ nr./no. ____________ emis de/issued
by __________________________ la data de/dated on __.__/ __.__/__.__.__.__.
Prin semnarea prezentei declar c am primit un exemplar din Tariful de comisioane persoane fizice,
Ediia 15 septembrie 2014, am neles i acceptat fr rezerve coninutul acestuia./ By signing this
declaration, I declare that I have received The Tariff of commissions for individual customers, Edition
15th September 2014, I comprehended and accepted without reserves its contents.
Sucursala/Agenia/
Branch/Agency ____________________
Semnturi autorizate/
Authorised Signatures
__________________________________

Semntur Client/
Client's Signature _________________
Data / Date ______________________

ALPHA BANK ROMANIA S.A.

Sediul Central: Calea Dorobanilor nr. 237B, 010566, Sector 1, Bucureti, Romnia, Tel.: (004021) 455 9998, Fax: (004021) 231 6570
Cod Unic de nregistrare: 5062063, Atribut Fiscal: RO, Numr de ordine n Registrul Comerului: J40/28415/1993, RB-PJR-40-022/1999
Capital social subscris i vrsat: 958.811.443,20 RON

CUPRINS / CONTENT

Principii generale - operaiuni n lei i valut / General principles - operations in lei and foreign currencies ..................................................... I
Garantarea depozitelor / Deposit guarantee............................................................................................................................................. II
th
Comisioane standard valabile din 15 septembrie 2014 / Standard commissions valid from 15 September 2014 ........................................... 5

Comisioane carduri cu intrare n vigoare ncepnd cu data de 24 iunie 2014

th
/ Cards commission came into effect starting with the 24 of June 2014.......................................................................................... 11
AlphaCard Visa Gold / AlphaCard Visa Gold Garantat .................................................................................................................... 12
AlphaCard Visa Credit ................................................................................................................................................................ 14
Alpha MasterCard Credit ............................................................................................................................................................ 16
Alpha MasterCard Co-branded, card de credit n parteneriat cu Telekom Romania Mobile ............................................................ 18
AlphaCard Enter More Visa ........................................................................................................................................................ 20
AlphaCard Enter Visa ................................................................................................................................................................. 20
Note / Notes ............................................................................................................................................................................. 24
Serviciile Verified by VISA / MasterCard Secure Code .......................................................................................................................... 25

Principii generale - operaiuni n lei i valut / General principles - operations in lei and foreign currencies

1. Aceast brour conine comisioanele standard aplicate de ALPHA BANK ROMANIA pentru produsele i serviciile bancare oferite
clienilor. Pentru produsele i serviciile care nu sunt specificate n acest document comisioanele vor fi stabilite i comunicate de Banc
de la caz la caz, anterior efecturii operaiunii sau prestrii serviciului. / This brochure contains standard commissions charged by
ALPHA BANK ROMANIA for the products and services offered to its customers. For those products and services not listed in this
document, the commissions will be set and communicated by the Bank on a case by case basis, before the operation has been provided.
2. Comisioanele i spezele sunt datorate i pltibile din contul curent la data efecturii operaiunii tarifate, independent de finalizarea
ulterioar a acesteia la beneficiar (restituire, neacceptare, anulare, expirare nainte de utilizare etc). Excepie fac operaiunile care
genereaz ncasri pentru care comisioanele i spezele se calculeaz la data efecturii operaiunii, dar se percep la prima ncasare. /
Commissions and fees are due and payable from the current account on the transaction date, irrespective if finalized at beneficiary or not
(returning, non-acceptance, cancellation, expiry before utilization etc.). Exception: commissions and fees for operations that generate
collection are calculated on the transaction date but will be charged at the first collection.
3. Comisioanele i spezele sunt datorate i pltibile de ctre ordonatorul operaiunii sau solicitantul serviciului. n cazul n care
comisioanele trebuie solicitate partenerilor, valorile acestora ramn aceleai. / Commissions and fees are due and payable by the
ordering party or the service applicant. In case the beneficiary pays the commissions their level is the same as herein mentioned.
4. La calcularea comisioanelor menionate pe trimestru" se va avea n vedere att perioada ncheiat de 90/91/92 zile consecutive, ct
i fraciunile rmase. / When calculating the commissions listed "per quarter" timing must be understood as the entire period of
90/91/92 consecutive days and fractions thereof.
5. Spezele potale i de curierat rapid, de teletransmitere, precum i cele aferente unor formulare speciale legate de operaiunile
efectuate se adaug la comisioanele din prezenta brour i se percep odat cu acestea. / Mail or fast couriers charges, teletransmission
fees as well as fees for special forms related to operations performed are added to the commissions listed herein and collected at the
same time.
6. n cazul n care valoarea TVA va suferi modificri ca urmare a modificrilor legislative, valoarea comisioanelor care includ TVA se va
modifica n mod corespunztor, fr nicio alt formalitate. / If VAT will be modified as a result of changes of legislation, the commissions
that include VAT will be modified accordingly, without any other formality.
Aceste tarife i comisioane mpreun cu principiile generale fac parte din Condiiile Generale de Afaceri ale Bncii i Regulile de Operare
pe Cont i se completeaz cu dispoziiile acestora. / Commissions and fees listed herein along with the general principles, as a part of the
Bank General Business Conditions and the Account Operating Rules, may be supplemented with the Bank's decisions.

Garantarea depozitelor / Deposit Guarantee

Fondul de Garantare a Depozitelor n Sistemul Bancar garanteaz
depozitele n orice moned, la o instituie de credit participant, cu
excepia depozitelor care se ncadreaz n categoriile de depozite
prevzute n Lista depozitelor negarantate. Sunt acoperite
sumele aflate pe numele unei persoane fizice sau juridice la
instituia de credit sub form de certificat de depozit nominativ, cont
curent, cont de economii, cont de card, cont comun, obligaiuni i
alte produse similare.

The Deposit Guarantee Fund guarantees the deposits in any

currency within the Banking System. The deposits which fall under
the categories of deposits provisioned in the List of nonguaranteed deposits are not guaranteed. Are guaranteed the
amounts on the name of individuals or legal entities, at the
participating credit institution, found as nominal certificate of
deposit, current account, savings account, card account, joint
account, bonds and other similar products.

ALPHA BANK ROMANIA este participant la Fondul de Garantare a

Depozitelor n Sistemul Bancar i ca atare depozitele constituite la
aceast instituie de credit sunt garantate n condiiile i limitele
prevzute de lege. n situaia constituirii de depozite de ctre
persoane juridice reprezentanii legali ai acestora trebuie s prezinte
instituiei de credit informaii relevante privind ncadrarea persoanei
juridice respective n categoria microntreprinderilor sau a
ntreprinderilor mici i mijlocii, n conformitate cu prevederile legale
aplicabile.

ALPHA BANK ROMANIA is registered with the Deposit Guarantee

Fund. Thus, the deposits opened with this institution, are
guaranteed within the limits and according to the conditions of the
legislation in force. When the deposits are opened by legal entities,
their legal representatives must present to the credit institution
information regarding their classification as micro enterprises and
small and medium companies, according to the legislation in force.

Pentru ca tu s ai toate informaiile la ndemn gseti mai jos, pe

scurt, principalele prevederi ale legislaiei n vigoare:
1.xn cazul n care depozitele constituite la o instituie de credit devin
indisponibile, Fondul asigur plata compensaiilor, n limita
plafonului de garantare.
2.xPlafonul de garantare per deponent garantat - persoan
fizic sau persoan juridic - i per instituie de credit este
stabilit la echivalentul n lei al sumei de 100.000 euro.
3. n situaia n care depozitele devin indisponibile, Fondul are
obligaia de a stabili data nceperii plii compensaiilor, durata
efecturii plilor i modalitatea de plat a compensaiilor i asigur
publicarea n cel mai scurt timp a acestor informaii pe website-ul
Fondului i n cel puin dou ziare de circulaie naional, n termen
de cel mult 5 zile lucrtoare.
4. Obligaia de a publica aceste informaii revine i insituiei de
credit ale crei depozite au devenit indisponibile, precum i
instituiei de credit ce a fost mandatat pentru efectuarea plii
compesaniilor.
5. Nivelul compensaiei per deponent se determin prin deducerea
din suma tuturor depozitelor garantate deinute de deponentul
garantat la respectiva instituie de credit, la data la care depozitele
au devenit indisponibile, a valorii totale a creanelor deinute la
aceeai dat de instituia de credit asupra respectivului deponent,
dac acestea exist.
6. Echivalentul n lei al plafonului de garantare i al sumelor n valut
care se iau n considerare la determinarea compensaiilor se
calculeaz prin utilizarea cursurilor de schimb valutar comunicate de
Banca Naional a Romniei n data la care depozitele au devenit
indisponibile, iar pentru celelalte valute se ia n considerare ultimul
curs de schimb practicat de instituia de credit n cauz.
7.xPlata compensaiilor n cazul indisponibilizrii depozitelor se
efectueaz prin intermediul uneia sau mai multor instituii de credit
mandatate n acest sens, n termen de cel mult 20 zile lucrtoare de
la data indisponibilizrii depozitelor instituiei de credit. Prin
excepie, Banca Naional a Romniei poate aproba, la solicitarea
Fondului, n circumstane absolut excepionale, prelungirea cu
maximum 10 zile lucrtoare a termenului pentru punerea
compensaiilor la dispoziia deponenilor garantai.
8.xDeponenii garantai sunt scutii de la aplicarea oricror
comisioane, taxe ori impozite pentru compensaiile primite.

For further information on this subject, please find below, in brief,

the main provisions of the legislation in force:
1.xThe Fund ensures the payment of compensations, in accordance
with the guarantee limit, in the case that the deposits opened with a
participating credit institution become unavailable.
2.xThe limit of guarantee per depository - individual or legal
entity - and per credit institution is the amount of the
equivalent in lei of 100,000.
3.xIn the case that the deposits opened with a participating credit
institution become unavailable, the Fund will establish the starting
date for the payment of compensations and the payment methods
and duration and will ensure the publication as soon as possible of
this information on the Fund's website and in two national
newspapers, within 5 working days.
4.xThe liability to publish this information will belong also to the
participating credit institution with deposits which became
unavailable and to the credit institution designated to make the
payment of the compensations.
5. The level of the compensation per depository is determined by
deducing the total value of the receivables that the credit institution
holds for the respective depository, if any, out of the amount of all
the guaranteed deposits that the insured depository holds with the
respective credit institution on the date on which the deposits
became unavailable.
6. The equivalent in lei of the limit of guarantee and, respectively of
the amounts in foreign currency which are considered upon
establishing the compensations, are calculated by using the
exchange rate reported by the National Bank of Romania for the
respective currencies on the date on which the deposits became
unavailable.
7.xThe payment of the compensations will be made through one or
several credit institutions designated, in 20 working days from the
date when the deposits opened with a participating credit
institution became unavailable. By exception, The National Bank of
Romania can approve, at the Funds request, in absolute exceptional
circumstances, the extension with a maximum of 10 working days of
the due date for the availability of compensations for guaranteed
depositors.
8. The insured depositories are exempt from any commissions,
charges or taxes for the compensation received.
II

Garantarea depozitelor / Deposit Guarantee

9.xDeponenii garantai care au nemulumiri legate de compensaii
pot sesiza Fondul, n scris, pentru soluionarea situaiei lor. Fondul
este obligat s rspund acestor sesizri n termen de 5 zile
lucrtoare de la data primirii lor.
10.xNu sunt garantate:
a. Depozitele, altele dect cele care se ncadreaz n prevederile
art. 7 alin. (3) ale Ordonanei Guvernului nr. 39/1996, republicat cu
modificrile i completrile ulterioare, ale unei instituii de credit
fcute n nume i cont propriu.
b.xInstrumente care se ncadreaz n definiia fondurilor proprii,
conform reglementrilor Bncii Naionale a Romniei privind
fondurile proprii ale instituiilor de credit.
c.xDepozite ale instituiilor financiare, aa cum sunt acestea definite
n Ordonana de Urgen a Guvernului nr. 99/2006 privind instituiile
de credit i adecvarea capitalului, aprobat cu modificri i
completri prin Legea nr. 227/2007, cu modificrile i completrile
ulterioare, cu excepia instituiilor financiare nebancare din
categoria caselor de ajutor reciproc.
d.xDepozite ale asigurtorilor i reasigurtorilor aa cum sunt
acetia definii n legislaia privind activitatea de asigurare i
supravegherea asigurrilor.
e. Depozite ale autoritilor publice centrale, locale i regionale.
f. Depozite ale organismelor de plasament colectiv, aa cum sunt
acestea definite de legislaia pieei de capital.
g. Depozite ale fondurilor de pensii.
h. Depozitele aparinnd, dup caz, administratorilor, directorilor,
membrilor consiliului de supraveghere, auditorilor, acionarilor
semnificativi, ai instituiei de credit n cauz.
i. Depozitele deponenilor cu statut similar celor de la punctul h) n
cadrul altor societi din grupul instituiei de credit.
j. Depozitele membrilor familiilor persoanelor fizice menionate la
punctele h) i i), respectiv so/soie i rudele i afinii de gradul nti,
precum i ale terelor persoane care acioneaz n numele
deponenilor menionai la punctele h) i i).
k. Depozitele la instituia de credit ale companiilor din grupul din
care face parte instituia de credit.
l. xDepozitele nenominative.
m.Valori mobiliare de natura datoriei emise de instituia de credit,
precum i obligaii care izvorsc din acceptri proprii i bilete la
ordin.
n.xDepozitele ntreprinderilor, persoane juridice, care nu intr n
categoria microntreprinderilor i a ntreprinderilor mici i mijlocii, n
conformitate cu prevederile Legii nr. 346/2004 privind stimularea
nfiinrii i dezvoltrii ntreprinderilor mici i mijlocii, cu
modificrile i completrile ulterioare.
x

Dac ai nevoie de mai multe informaii privind garantarea

depozitelor n sistemul bancar te ateptm la oricare dintre unitile
ALPHA BANK ROMANIA sau pe www.alphabank.ro.

III

9. The insured depositories who are dissatisfied with their

compensations can notify the Fund, in writing, in order to have their
problem solved. The Fund must answer to these notifications within
5 business days from the date on which they were received.
10. The following are not guaranteed:
a. Deposits, other than those which fall under the provisions of art. 7
par. (3) of the Government Ordinance no. 39/1996, which pertain to
a credit institution and were constituted on its own behalf and
account.
b. Instruments that fall under the definition of own funds, according
to the regulations pertaining to the National Bank of Romania
regarding the credit institutions own funds.
c. Deposits pertaining to financial institutions, as they are defined in
the Emergency Ordinance no. 99/2006 issued by the Government,
regarding credit institutions and capital adequacy, approved with
modifications and completions by Law no. 227/2007, with
subsequent modifications and completions, apart from non-banking
institutions which fall under the category of mutual aid funds.
d. Deposits pertaining to insurers and reinsurers as they are defined
in the legislation regarding insurance activity and supervision
thereof.
e.xDeposits pertaining to central, local and regional public authorities.
f. Deposits pertaining to undertakings for collective investments, as
they are defined in capital markets legislation.
g. Deposits of pension funds.
h. Deposits pertaining, depending on each case, to administrators,
directors, members of the supervisory committee, auditors and
major shareholders, of the respectively credit institution.
i. Deposits pertaining to depositories having a status similar to that
of depositors from point h) within other companies from the group of
the credit institution.
j.xDeposits pertaining to the family members of individuals
mentioned under points h) and i), respectively husband/wife and
relatives and in-law of first degree, as well as those of third parties
who act on behalf of the depositories mentioned under point h) and i).
k.xDeposits with the credit institution opened by companies
pertaining to the same group as the credit institution.
l. Non-nominal deposits.
m. Securities in the form of debt issued by the credit institution, as
well as liabilities which derive from own acceptances and
promissory notes.
n. Deposits pertaining to economic entities which, due to their size,
do not fall under the category of micro enterprises and small and
medium-sized companies, according to the Law 346/2004 regarding
stimulation of establishment and development of small and medium
enterprises with further completions and modifications.
x

Should you require more information regarding the guarantee of

deposits within the banking system, please feel free to come to any
of our ALPHA BANK ROMANIA units or visit www.alphabank.

Comisioane standard pentru contul curent

i operaiuni pe contul curent /
Standard commissions for current account
and current account transactions
persoane fizice / individuals
Pentru operaiuni n lei i valut /
For lei and foreign currencies operations

Aceste tarife i comisioane intr n vigoare ncepnd cu 15 Septembrie 2014. / These fees and commissions
th
come into effect starting with the 15 September 2014.

COMISIOANE STANDARD / STANDARD COMMISSIONS

Cont curent / Current account

indiferent de valut / any currency

a) Deschidere cont curent / Opening a current account

b) Deschidere cont escrow / Opening an escrow account
c) Garanie de bun execuie / Performance bond
d) Comision lunar de administrare cont curent Alpha Access Classic / Monthly
management fee for Alpha Access Classic current account
e) Extras de cont / Statement of account
n un extras/lun la cerere la ghieu / 1 statement/month at counter
n un extras/lun prin pot (reprezint costul transmiterii extrasului prin
pot) / 1 statement/month by POST (represents the mailing cost for the
account statement)
n extras la micri, copie extras lun curent / statement at movements,
duplicate, copy from the current month
n copie extras luni precedente / copy of statement from other months
f) Serviciul Mobilitate Conturi Curente n lei / Bank Account Switching service
in lei
ncheltuieli potale i de comunicare / postal and communication costs

Operaiuni cu numerar / Cash operations

0
negociabil dar nu mai puin de 0,1% min. 350 lei /
negotiable but no less than 0.1% min. 350 lei
0,05% min. 35 lei
2,5 lei (cont n lei)/0,75 uniti monetare n valuta contului
(cont n valut)/ 2.5 lei (account in lei)/0.75 monetary
units in the account currency (account in foreign currency)
0
2 lei
5 lei
10 lei
50 lei**
n lei / RON

n valut / in foreign currency

a) Retragere de numerar / Cash withdrawals

0,40% min. 3 lei
0,50% min. 1 euro
Not: Perceperea comisionului n cazul retragerilor din credite i depozite la
termen sau certificate de depozit cu cupoane se va efectua n conformitate
cu condiiile expres menionate n Contractul de Credit, respectiv Contractul
de Depozit sau Certificat de Depozit cu Cupoane. / Note: The withdrawal
commission for amounts from Loans, Term deposits and Certificates of deposit
with coupons will be charged according to the product contractual terms.
n retrageri de bancnote n structuri prefereniale / withdrawals in
3%
preferential banknotes structures
b) Depunere de numerar / Cash deposits
0
0
n depuneri n moned metalic pt. sume mai mari de 10 lei / deposits in
3,5%
coins for amounts exceeding 10 lei
c) Comision pentru neprezentarea n cazul retragerilor de numerar programate 0,75% aplicat sumei programate i neridicate /0,75%
/ Commission for not pursuing the scheduled cash withdrawal
applied to scheduled and not collected amount
Not: Retragerile de numerar efectuate pe parcursul unei zile, indiferent de unitate i totaliznd o sum mai mare de 10.000 lei sau 10.000
euro (sau echivalent n alte valute), trebuie anunate Bncii n scris cu o zi lucrtoare n avans, iar n cazul sumelor mai mari de 30.000 lei
sau 100.000 euro (sau echivalent n alte valute) trebuie anunate n scris Bncii cu dou zile lucrtoare n avans. n caz contrar, Banca va
percepe un comision de 0,75% calculat la suma total retras i neprogramat sau la suma total programat i neretras. / Note: Any
withdrawal totaling over 10,000 lei or 10,000 euro (or equivalent in other currencies), made during the same day, regardless of the unit,
must be notified in writing to the Bank 1 working day in advance, while the amounts exceeding 30,000 lei or 100,000 euro (or equivalent
in other currencies) must be notified to the Bank 2 working days in advance. Otherwise, the Bank will charge 0.75% commission applied to
the total amount of unscheduled withdrawn or total of scheduled and not withdrawn amount.
Eliberarea bancnotelor denominate n 200 EUR si 500 EUR se efectueaz cu programare prealabil, transmis Bncii cu cel puin o zi
lucrtoare n avans./ Denominated banknotes in 200 EUR and 500 EUR are performed with previous appointment, sent to the Bank within
at least one working day in advance.
0

Schimburi valutare / Foreign exchange

Ordine de plat simple / Clean payment orders

n lei / RON

a) ncasri de la ali clieni ai Bncii / Incomings from other Banks customers

b) ncasri de la clienii altor bnci i Trezoreria Statului, n favoarea clienilor
Bncii / Incomings from other banks or the State Treasury, in favor of The
Banks customers

c) Pli ctre clienii Bncii (viramente) / Payments to Banks customers

(transfers)
n pli n favoarea conturilor proprii / payments to own accounts
n pli n favoarea altor clieni ai Bncii / payments to other Banks
customers

d) Pli n favoarea clienilor altor bnci, inclusiv pentru Trezoreria Statului /

Payments in favor of other banks customers, including the State Treasury

n valut / in foreign currency

0
pt. sume < 1.000 lei - 2 lei /
for amounts < 1,000 lei
- 2 lei
pt. sume ntre 1.000 lei 49.999,99 lei - 4 lei / for
amounts between
1,000 lei 49,999.99 lei
- 4 lei
pt. sume X 50.000 lei 7 lei / for amounts X
50,000 lei - 7 lei

0
0

0
pt. sume < 1.000 lei - 3 lei
/ for amounts < 1,000 lei
- 3 lei
pt. sume ntre 1.000 lei 49.999,99 lei - 5 lei /
for amounts between
1,000 lei 49,999.99 lei
- 5 lei
pt. sume X 50.000 lei - 8 lei
/ for amounts X 50,000 lei
- 8 lei
pt. sume <1.000 lei - 6 lei*
/ for amounts <1,000 lei
- 6 lei*

0
2 euro

2 euro

2 euro

pt. sume ntre 1.000 lei-

pt. sume X 100 euro sau

echivalent 10 euro*** /for
amounts X 100 euro or
equivalent 10 euro***
pt. sume X 12.500 euro sau

49.999,99 lei 8 lei* /

echivalent 40 euro*** /

for amounts between 1,000 for amount X 12,500 euro or

lei - 49,999.99 lei - 8 lei*
equivalent 40 euro***
pt. sume50.000 lei i
operaiuni urgente 12 lei*
/ for amounts X 50,000 lei
and urgent operations
- 12 lei*
e) Pli i ncasri aferente decontrii tranzaciilor derulate prin Depozitarul
Central / Payments and incomings through the Central Depository
f) Pli din cont poprit / Payments from garnished account
g) Pli interbancare de utiliti**** X 200 lei / Interbank utility payments****
X 200 lei
h) Comisioane suplimentare / Additional commissions
- Pli n valut cu comisioane OUR" (nu se percepe pentru plile n valut n
favoarea clienilor Alpha Bank Grecia) / Foreign payments with OUR
commissions (it is not perceived for payments in foreign currency in favor of
Alpha Bank Greece customers)
n pt. sume X 12.500 EUR sau echiv./ for amounts X 12,500 EUR or equiv.
n pt. sume >12.500 EUR sau echiv./ for amounts > 12,500 EUR or equiv.
- Modificare, anulare de pli / Payments amendment, cancellations
- Comision reparaii pentru pli non-STP / Repair commission for
non-STP payments
- Plat de urgen / Urgent payment
- Investigare / Inquiry

10 lei*

pt. sume >12.500 euro sau

echivalent 0,25% max. 2.000
euro (se adaug speza SWIFT)
/ for amounts >12,500 euro
or equivalent 0.25%
max. 2,000 euro
(SWIFT fee will be added)
-

15 lei*
2 lei

15 lei
-

15 euro
45 euro
40 euro ***
10 euro

20 lei

comision standard x 25%

40 euro ***x

Not: Pentru ordinele de plat simple n lei dispuse prin serviciul de Online Banking, se aplic o reducere de 35% la comisioanele prevzute n
prezentul tarif. / Note: 35% discount will be applied for commissions provided in this tariff for all clean payment orders in lei via the Online
Banking service.
7

Debitare Direct / Direct debit

a) Debitare Direct intrabancar pentru pltitor / Intra-banking direct debit for
payer
b) Debitare Direct interbancar pentru pltitor / Inter-banking direct debit for
payer
c) Modificare / denunare contract / Agreement change / cancellation
d) Refuz la plat pentru pltitor / Payment refusal for payer

1 leu/operaiune / 1 leu/
operation
2 lei/operaiune / 2 lei/
operation
4 lei/operaiune / 4 lei/
operation
2 lei*/operaiune / 2 lei*/
operation

Ordine de plat programate / Standing orders

a) Ordin de plat programat intrabancar / Intra-banking standing order
n euro
n usd

c) Modificare / revocare contract / Amendment / revocation of contract

n euro
n usd

4 lei*/operaiune / 4 lei*/
operation
4 lei
-

Serviciul de Online Banking / Online Banking service

Instrumente de debit (cecuri, bilete la ordin, cambii) / Debit instruments

(cheques, promisory notes, bills of exchange)

n valut / in foreign currency

0,50 euro/operaiune /
0.50 euro/operation
1,00 usd/operaiune /
1.00 usd/operation
1 euro
1,50 usd
n valut / in foreign currency

n lei / RON

a) Administrare lunar, Serviciul Internet Banking, la nivel de client (din contul 4 lei
ales n "Cererea pentru Serviciul de Online Banking - Persoane Fizice") / Monthly
management fee for Internet Banking Service, customer level (from the
account selected in the Online Banking Service application for individuals")
b) Administrare lunara, Serviciul Mobile Banking, la nivel de client (din contul
3 lei
ales in "Cererea pentru Serviciul de Online Banking - Persoane Fizice") / Montly
management fee for Mobile Banking Service, customer level (from the account
selected in the "Online Banking Service application for individuals")

a) Remitere la ncasare instrumente de debit emise de clienii altor bnci

/ Remittance for collection of debit instruments issued by other banks clients
b) ncasare instrumente de debit emise de ali clieni ai Bncii
/ Collection for debit instruments issued by other clients of the Bank
c) ncasare instrumente de debit emise de clienii altor bnci / Collection for
debit instruments issued by other banks clients
n pt. sume < 1.000 lei / for amounts < 1,000 lei
n pt. sume ntre 1.000 lei i 49.999,99 lei / for amounts between 1,000 lei
and 49,999.99 lei
n pt. sume X 50.000 lei / for amounts X 50.000 lei
d) Decontare/ plat instrumente de debit emise de Banc / Settlement/ payment
for debit instruments issued by the Bank
n la ghieele bncii / at the Banks counters
n la ghieele altor bnci / at other banks counters
e) Certificare instrumente de debit / Debit instruments certification
f) Eliberare instrumente de debit (pn la 25 file) / Debit instruments
issuance (up to 25 pages)
g) Cecuri comerciale, remitere pentru ncasare / Commercial cheques,
remittance for collection
h) Cec returnat nepltit / Cheques not accepted/not paid
i) Avalizare cambii i bilete la ordin / Aval for promisory note and bill of
exchange
j) Comision suplimentar (se adaug comisioanelor percepute operaiunilor
indicate ncepnd cu punctul a) pn la e)) pentru instrumente de debit
compensate n baza conveniei interbancare (instrumente vechi sau
ne-trunchiabile) / Additional commission (on top of the commissions charged
for operations mentioned at points a) to e)) for debit instruments settled upon
the inter - banking convention (old instruments or not processed electronically)

n lei / RON
2 lei/operaiune / 2 lei/
operation
-

b) Ordin de plat programat interbancar / Inter-banking standing order

n valut / in foreign currency

n lei / RON

1 unitate monetar
n valuta contului /
1 monetary unit in
the account currency
Echivalentul a 3 lei / 3 RON
equivalent

n valut / in foreign currency

n lei / RON
2,5 lei *

0,5 lei

1 leu
1,5 lei

2 lei

0
7 lei
25 lei
5 lei

1,5% min. 5 euro, max

100 euro
30 euro
0,2% min. 100 euro /trim. /
0.2% min. 100 euro/quarter
-

0,2% min. 85 lei/trim. /

0.2% min. 85 lei/quarter
7 lei

Not: Pentru instrumentele de debit refuzate la plat (tehnic sau din lips total/parial de disponibil) se percepe comisionul TransFonD / For debit
instruments refused for payment (technical reason or total/partial lack of funds into payers account) TransFonD commission will be charged.
8

Titluri de stat / Government securities

indiferent de valut / any currency

a) Deschidere cont / Account opening

b) Extras de cont / Statement of account
n eliberare duplicat extras de cont / statement of account duplicate release
c) Blocare/deblocare / Block/unblock
n n favoarea Bncii / in favor of the Bank
n n favoarea altor contrapartide / in favor of other parties
Piaa primar / Primary market
a) Ofertele acceptate / Accepted bids
b) Plat dobnd/cupon aferent titlurilor din portofoliu / Interest/coupon
payment for own securities portfolio
c) Rscumprare total/parial / Total/partial redemption
d) Ofertele neacceptate / Not accepted bids
Piaa secundar / Secondary market
a) Transfer ctre alte contrapartide / Transfer to other parties
b) Tranzacii ntre clienii Bncii / Transactions between Banks customers
c) Tranzacii cu alte contrapartide / Transactions with other parties
d) Tranzacii de vnzare/cumprare efectuate cu Banca / Sell/buy
transactions with the Bank

0
0
10 lei
150 lei + comision BNR / 150 lei + NBR commission
185 lei** + comision BNR / 185 lei ** + NBR
commission
100 lei + comision BNR / 100 lei + NBR commission
5 lei
5 lei
70 lei + comision BNR / 70 lei +NBR commission
0,1-0,5% min 124 lei**(la valoarea nominal total)
+ comision BNR / 0.1-0.5% min 124 lei**(at the total
nominal value) + NBR commission
0,5% min 100 lei (la valoarea nominal total) +
comision BNR / 0.5% min 100 lei (at the total nominal
value) + NBR commission
1% min. 90 lei + comisioane BNR / 1% min. 90 lei +
NBR commissions
comision BNR / NBR commission

Alte operaiuni i servicii / Other operations and services

indiferent de valut / any currency

a) Pstrarea n custodie a unor titluri de valoare / Keeping in trust of

valuables
b) Domicilierea la Banc a efectelor de comer / Domicile with
the Bank of commercial papers
c) Confirmare sold la cerere / Balance confirmation upon request

124 euro**/trim. / 124 euro**/quarter

0,1% min. 25 euro/efect / 0.1% min 25 euro/paper
50 lei**

Not: Se percepe pentru fiecare contract de credit pentru care se solicit

confirmarea soldului. n cazul conturilor curente/depozitelor se percepe pentru
fiecare solicitare. / Note: It applies to every credit contract for which a sold
confirmation is requested. It applies per each request in case of current
account/savings.
d) Confirmare semnturi autorizate la cerere / Confirmation of authorized
signatures, upon request
e) Interogare baze de date (CIP/CRC/BC) / Collection of queries (CIP/CRC/BC)
n 2 interogri pe lun / 2 queries per month
n mai mult de 2 interogri pe lun / more than 2 queries per month
n altele / other
f) Plata facturilor emise de companiile de telefonie partenere / Payment of
invoices isued by partner telephone companies
g) Transferuri rapide / Fast transfers
n n calitate de beneficiar / as beneficiary
n n calitate de ordonator / as orderer

6 lei**

0
6 lei**/interogare / 6 lei**/query
6 lei**/pagin / 6 lei**/page
0
0
conform tarifelor sau convenite cu partenerii /
according to the tariffs or agreed with the partners

Alte comisioane / Other commissions

indiferent de valut / any currency

a) Adugare/ anulare/ modificare mputernicit (inclusiv procura)/ Additional/

cancellation/ change authorized person (including power of attorney)
b) Solicitare documente mai vechi de 3 luni / Request of documents older than
3 months
c) Eliberare adrese confirmare altele dect aferente creditelor i prestaiilor
sociale / Issue of confirmation letters other than related to loans and social benefits
n fr date financiare / without financial information
n cu date financiare / with financial information
d) Instituire poprire / Estabilishing garnishment
e) Transferul contului curent ntre unitile Bncii / Current account transfer
between bank units
f) Emitere scrisoare de bonitate/ viz ambasad / Issue of letter of good
standing/ visa embassy
n fr date financiare / without financial information
n cu date financiare / with financial information
g) nlocuirea dispozitivului de securitate hardware n caz de pierdere, furt sau
deteriorare / Hardware token replacement in case of loss, theft or damage
h) n caz de nereturnare a dispozitivului de securitate hardware la momentul
ncetrii contractului pentru Serviciul Online Banking / If hardware token is
not returned at the end of Online Banking Service

5 lei
5 lei/ fil dar nu mai mult de 100 lei /
5 lei/page but no more than 100 lei
95 lei**
185 lei**
30 lei
5 lei

95 lei**
185 lei**
45 lei
45 lei

Ordine de plat condiionate (documentare)/

Conditional / documentary payment orders

n lei / RON

n valut / in foreign currency

a) Emitere / Issuance

0,25% min. 100 lei (se

adaug speza SWIFT) /
0.25% min. 100 lei
(SWIFT fee will be added)

0,25% min. 100 euro (se

adaug speza SWIFT) /
0.25% min. 100 euro
(SWIFT fee will be added)

b) Avizare (pentru OP documentare primite) / Advising (for received

documentary payment orders)
c) Modificare / Modification

0,10% min. 85 lei (se

adaug speza SWIFT) /
0.10% min. 85 lei
(SWIFT fee will be added)
85 lei

0,10% min. 25 euro (se

adaug speza SWIFT) /
0.10% min. 25 euro
(SWIFT fee will be added)
25 euro

Incasso / Documentary and clean collection

n lei / RON

n valut / in foreign currency

0,15% min. 20 euro

max. 200 euro sau
echivalent / 0.15% min.
20 euro max. 200 euro or
equivalent

EXPORT (ordin de ncasare/acceptare) - Remitere documente pentru ncasare

/ EXPORT (order cashing/acceptance) - Remittance documents for collection

*) Se adaug comisionul TransFonD sau comisionul BNR , dup caz / TransFonD commission or NBR commission will be added, by case
**) Inclusiv TVA / **Including VAT
***) Inclusiv speze SWIFT / *** Including SWIFT fees
****) Lista furnizorilor de utiliti pentru care se aplic acest tip de comision poate fi consultat n unitile Alpha Bank i n aplicaia
de Online Banking / **** List of utility providers for which this commission is applied can be verified at Alpha Bank units or by
accessing Online Banking application
10

Comisioane carduri /
Cards commission
persoane fizice / individual
Pentru operaiuni n lei i valut /
For lei and foreign currencies operations

Aceste tarife i comisioane intr n vigoare ncepnd cu 24 iunie 2014 i anuleaz ediia precedent din
th
20 septembrie 2012. / These fees and commissions come into effect on the 24 of June 2014 and cancel the
previous edition issued on the 20th of September 2012.

ALPHACARD VISA GOLD / ALPHACARD VISA GOLD GARANTAT

Comisioane pentru emitere / Issuing fees
a) Tax de emitere card principal / Main card issuing fee
b) Tax de emitere card suplimentar / Supplementary card issuing fee
*)
c) Comision anual de administrare card principal / Annual comission
*)
for main card management
d) Comision anual de administrare card suplimentar / Annual comission for
supplementary card management

lei
50 lei
20 lei
50 lei

euro
30 euro
10 euro
60 euro

50 lei

25 euro

0
0

0
0

2%

2%

2%
0
2%
2%

2%
0
2%
2%

2%
0
2%
0

2%
0
2%
0x

2% principal + 100%
dobnzi +100% comisioane
/ 2% outstanding + 100%
fees + 100%
commissions
4 ale fiecrei luni /
4th of each month
maxim 50 zile /
maximum 50 days

2% principal + 100%
dobnzi + 100% comisioane /
/ 2% outstanding + 100%
fees + 100%
commissions
4 ale fiecrei luni /
4th of each month
maxim 50 zile /
maximum 50 days

30 lei

10 euro

60 lei
0
30 lei
1,5 lei
1 leu
30 lei
1 leu

20 euro
0
10 euro
0,30 euro
0
10 euro
0,25 euro

Deschidere cont / Account opening

a) Suma minim deschidere cont / Account opening minimum
b) Suma minim n cont - garanie / Account minimum amount-guarantee

Comisioane / tranzacie / Transactions fees

Tranzacii n Romnia / Domestic transactions
a) Retragere numerar la ATM-urile Alpha Bank / Cash withdrawal from
Alpha Banks ATMs
b) Retragere numerar la ATM-urile altor bnci romneti / Cash withdrawal
from other banks ATMs
c) Pli la comerciani / sales
d) Retrageri numerar ghieu Alpha Bank (lei) / Cash advance at Alpha Bank counter (lei)
e) Retrageri numerar ghieu Alpha Bank (EUR/USD)
/ Cash advance at Alpha Bank counter (EUR/USD)
3)
f) Transfer din contul de card ctre cont Alpha Bank
/ Transfer from card account to another Alpha Bank account3) x

Tranzacii n strintate / International transactions

a) Retragere numerar de la ATM /cash withdrawal from ATM
b) Pli la comerciani / sales
c) Retrageri numerar la ghieu / cash advance at counters
d) Conversie valutar / foreign exchange

Alte condiii / Other conditions

a) Suma minim de plat / Minimum payment amount

b) Data de scaden / Due date

*

**)

* )
c) Perioada de graie / Grace period

Alte comisioane / Other fees

a) nlocuire card (deteriorat, demagnetizat, schimbare nume)
/ Card replacement (destroyed, demagnetized, name change)
b) Pierdere/furt card (card + PIN) / Lost/stolen card(card +PIN)
c) Rennoire card / Card renewal
d) Regenerare PIN / New PIN generation
e) Schimbare PIN la ATM Alpha Bank / PIN change at Alpha Bank ATMs
f) Interogare sold la ATM Alpha Bank / Alpha Bank ATM balance inquiry
g) Refuzuri de plat nejustificate / Chargeback requests not sustained
2)
h) Eliberare extras de cont lunar, o dat pe lun (prin pot) / Monthly
2)
account statement (by POST)
i) Eliberare extras de cont lunar, o dat pe lun (prin e-mail / la banc)
/ Monthly account statement(by e-mail / at the Bank)
j) Duplicat sau copie pentru luna curent / Duplicate or copy for current month

3 lei/extras /
1 euro/extras /
3 lei/statement
1 euro/statement
k) Duplicat sau copie luni precedente (extras/lun)
5 lei/extras /
2 euro/extras /
/ Duplicates for previous months (statement/month)
5 lei/statement
2 euro/statement
l) Comision de depire limit de credit / Overlimit fee
5%
5%
)
* Se percepe prima dat la aniversarea unui an de la data emiterii cardului i ulterior la un interval de 12 luni / It is first charged at the one year
anniversary of the issue date. Afterwards it will be charged every 12 months.
**) Nu se pltete dobnd pentru plile efectuate la comerciani, oriunde n lume, n cazul n care suma total datorat evideniat pe extrasul
de cont este rambursat integral pn la data scadent. / No interest rate for merchant payment, anywhere in the world, if the owed amount is
fully reimbursed untill the due date.
12

ALPHACARD VISA GOLD / ALPHACARD VISA GOLD GARANTAT

)

Alte comisioane / Other fees

Valoare comision* / Fee

Numr de rate /Installments No.

m) Comision de activare a opiunii Rate Oriunde n Lume / Worldwide Installments

Activation Fee

1,5%
3%
4,5%
6%

3 rate / installments
6 rate / installments
9 rate / installments
12 rate / installments

Dobnzi / Interest rates

a) Dobnda acordat la disponibiliti - lei/euro / Interest rate for positive
balance - lei/euro
**)
**)
/ Interest for credit facility
b) Dobnda linie de credit
***)
***)
=Reference Rate + Standard margin
=Dobnda de referin + Marja bncii
1)
c) Dobnda penalizatoare1) / Overdue interest rate

lei
0%

euro
0%

conform / per
contract contract
5%

conform / per
contract contract
5%

Limite zilnice de utilizare / Daily limits

a) Retrageri numerar n Romnia / Domestic cash advance
b) Retrageri numerar n strintate / International cash advance
c) Pli la comerciani / Sales
d) Pli pe Internet / Internet sales

8.000 lei
4.000 lei
12.000lei
1.800 lei

2.200 euro
1.100 euro
3.300 euro
500 eurox

100 lei

25 euro

265 lei
500 lei
0

75 euro
130 euro
0

Servicii de urgen / Emergency Services

a) Declarare card pierdut/furat/distrus / Lost/stolen/destroyed card
reporting
b) Retragere numerar / Emergency cash advance
c) nlocuire card / Emergency card replacement
d) Informaii / Information

* Se percepe la valoarea tranzaciei, n momentul mpririi acesteia n rate.

)
** Rata dobnzii este format din Dobnda de Referin (Rata dobnzii de referin a BNR pentru conturile n RON, respectiv EURIBOR 6M
pentru conturile n EUR) la care se adaug Marja bncii. / The interest rate is composed by Reference Rate (NBR Reference Rate for the RON
accounts, respectively EURIBOR 6M for the EUR accounts) plus the bank's margin.
)
*** Valoarea aplicabil i evoluia ratei Dobnzii de Referin este disponibil la adresa www.alphabank.ro sau n oricare din unitile Bncii. /
The applicable amount and the evolution of the Reference interest Rate is available on the website www.alphabank.ro or in any bank's unit.

13

ALPHACARD VISA CREDIT

Comisioane pentru emitere / Issuing fees
a) Tax de emitere card principal / Main card issuing fee
b) Tax de emitere card suplimentar / Supplementary card issuing fee
*)
c) Comision anual de administrare card principal / Annual comission
*)
for main card management
d) Comision anual de administrare card suplimentar / Annual comission
for supplementary card management

20 lei
12,5 lei
30 lei
10 lei

Deschidere cont / Account opening

a) Suma minim deschidere cont / Account opening minimum amount
b) Suma minim n cont - garanie / Account minimum amount - guarantee

0
0

Comisioane / tranzacie / Transactions fees

Tranzacii n Romnia / Domestic transactions
a) Retragere numerar la ATM-urile Alpha Bank / Cash withdrawal from
Alpha Banks ATMs
b) Retragere numerar la ATM-urile altor bnci romneti / cash withdrawal from
other banks ATMs
c) Pli la comerciani / sales
d) Retrageri numerar ghieu Alpha Bank (lei) / cash advance at Alpha Bank counter (lei)
3)
e) Transfer din contul de card ctre cont Alpha Bank
3)
/ Transfer from card account to another Alpha Bank account x
Tranzacii n strintate / International transactions
a) Retragere numerar de la ATM / cash withdrawal from ATM
b) Pli la comerciani / sales
c) Retrageri numerar la ghieu / cash advance at counters
d) Conversie valutar / foreign exchange

1% (minim 2 lei)
1% + 2,5 lei
0
1% + 2,5 lei
0

1% (minim 4 euro)
0
3% (minim 4 euro)
0

Alte comisioane / Other fees

a) nlocuire card (deteriorat, demagnetizat, schimbare nume)
/ Card replacement (distroyed, demagnetised, name change)
b) Pierdere/furt card (card + PIN) / Lost/stolen card (card + PIN)
c) Rennoire card / Card renewal
d) Regenerare PIN / New PIN generation
e) Schimbare PIN la ATM Alpha Bank / PIN change at Alpha Bank ATMs
f) Interogare sold la ATM Alpha Bank / Alpha Bank ATM balance inquiry
g) Refuzuri de plat nejustificate / Chargeback requests not sustained
2)
h) Eliberare extras de cont lunar, o dat pe lun (prin pot) / Monthly account
2)
statement (by POST)
i) Eliberare extras de cont lunar, o dat pe lun (prin e-mail / la banc)
/ Monthly account statement (by e-mail / at the Bank)
j) Duplicat sau copie pentru luna curent / Duplicates or copy for current month
k) Duplicat sau copie luni precedente (extras/lun) / Duplicates for previous
monthes (statement/month)
l) Comision depire limit de credit / Overlimit fee
m) Comision de activare a opiunii Rate Oriunde n Lume / Worldwide
Installments Activation Fee

10 lei
20 lei
0
10 lei
1,5 lei
1 leu
15 lei
1 leu
0
3 lei/extras / 3lei/statement
5 lei/extras / 5 lei/statement
5%
Valoare comision**/ Fee Numr de rate/ Installments No.
1,5%
3 rate / installments
3%
6 rate / installments
4,5%
9 rate / installments
6%
12 rate / installments

Dobnzi / Interest rates

a) Dobnda acordat la disponibiliti - lei / Interest rate for positive balance - lei
0%
***)
***)
/ Interest for credit facility
b) Dobnda linie de credit
conform / per
*
****)
=Dobnda de referin** *) + Marja bncii =Reference Rate + Standard margin
contract contract
1)
c) Dobnda penalizatoare1) / Overdue interest rate
5%
)
* Se percepe prima dat la aniversarea unui an de la data emiterii cardului i ulterior la un interval de 12 luni / It is first charged at the one year
anniversary of the issue date. Afterwards it will be charged every 12 months.
**) Se percepe la valoarea tranzaciei, n momentul mpririi acesteia n rate.
)
*** Rata dobnzii este format din Dobnda de Referin (Rata dobnzii de referin a BNR pentru conturile n RON, respectiv EURIBOR 6M
pentru conturile n EUR) la care se adaug Marja bncii. / The interest rate is composed by Reference Rate (NBR Reference Rate for the RON
accounts, respectively EURIBOR 6M for the EUR accounts) plus the bank's margin.
****) Valoarea aplicabil i evoluia ratei Dobnzii de Referin este disponibil la adresa www.alphabank.ro sau n oricare din unitile
Bncii. / The applicable amount and the evolution of the Reference interest Rate is available on the website www.alphabank.ro or in any
bank's unit.

ALPHACARD VISA CREDIT

Limite zilnice de utilizare / Daily limits
a) Retrageri numerar n Romnia / Domestic cash advance
b) Retrageri numerar n strintate / International cash advance
c) Pli la comerciani / Sales
d) Pli pe Internet / Internet sales

4.000 lei
2.000 lei
6.000 lei
900 lei

Alte condiii / Other conditions

a) Suma minim de plat / Minimum payment amount

2,5% principal (minim 10 lei) +

100% dobnzi + 100%
comisioane / 2.5% outstanding
(minimum 10 lei) + 100% fees +
100% commissions

b) Data de scaden / Due date

15 ale fiecrei luni /

15th of each month
*)

c) Perioada de graie*) / Grace period

maxim 55 zile /
maximum 55 days

*) Nu se pltete dobnd pentru plile efectuate la comerciani, oriunde n lume, n cazul n care suma total datorat evideniat pe extrasul
de cont este rambursat integral pn la data scadent./ No interest rate for merchant payment, anywhere in the world, if the owed amount is
fully reimbursed untill the due date.

15

ALPHA MASTERCARD CREDIT

Comisioane pentru emitere / Issuing fees
a) Tax de emitere card principal / Main card issuing fee
b) Tax emitere card suplimentar / Supplementary card issuing fee
c) Comision anual de administrare card principal*) / Annual comission
for main card management*)
d) Comision anual de administrare card suplimentar / Annual comission
for supplementary card management

10 lei
0
20 lei
10 lei

Deschidere cont / Account opening

a) Suma minim deschidere cont / Account opening minimum amount
b) Suma minim n cont - garanie / Account minimum amount - guarantee

0
0

Comisioane / tranzacie / Transactions fees

Tranzacii n Romnia / Domestic transactions
a) Retragere numerar la ATM-urile Alpha Bank / Cash withdrawal from
Alpha Banks ATMs
b) Retragere numerar la ATM-urile altor bnci romneti / cash withdrawal from
other banks ATMs
c) Pli la comerciani / sales
d) Retrageri numerar ghieu Alpha Bank (lei) / cash advance at Alpha Bank counter (lei)
e) Transfer din contul de card ctre cont Alpha Bank3)
/ Transfer from card account to another Alpha Bank account3) x

1% (minim 2 lei)
1% + 2,5 lei
0
1% + 2,5 lei
0

Tranzacii n strintate / International transactions

a) Retragere numerar de la ATM /cash withdrawal from ATM
b) Pli la comerciani / sales
c) Retrageri numerar la ghieu / cash advance at counters
d) Conversie valutar / foreign exchange

1% (minim 10 lei)
0
3% (minim 4 euro)
0

Limite zilnice de utilizare / Daily limits

a) Retrageri numerar n Romnia / Domestic cash advance
b) Retrageri numerar n strintate / International cash advance
c) Pli la comerciani / Sales
d) Pli pe Internet / Internet sales

4.000 lei
2.000 lei
6.000 lei
900 lei

Alte comisioane / Other fees

a) nlocuire card (deteriorat, demagnetizat, schimbare nume)
/ Card replacement (distroyed, demagnetised, name changed)
b) Pierdere/furt card (card + PIN) / Lost/stolen card (card + PIN)
c) Rennoire card / Card renewal
d) Regenerare PIN / New PIN generation
e) Schimbare PIN la ATM Alpha Bank / PIN change at Alpha Bank ATM
f) Interogare sold la ATM Alpha Bank / Alpha Bank ATM balance inquiry
g) Refuzuri de plat nejustificate / Chargeback requests not sustained
2)
h) Eliberare extras de cont lunar, o dat pe lun (prin pot) / Monthly account
2)
statement (by POST)
i) Eliberare extras de cont lunar, o dat pe lun (prin e-mail / la banc)
/ Monthly account statement (by e-mail / at the Bank)
j) Duplicat sau copie pentru luna curent / Duplicates or copy for current month

5 lei
10 lei
0
5 lei
1,5 lei
1 leu
10 lei
1 leu
0
1,5 lei/extras /
1.5 lei/statement

x
k) Duplicat sau copie luni precedente (extras/lun) / Duplicates for previous
3 lei/extras /
months (statement/month)
3 lei/statement
x
l) Comision depire limita de credit / Overlimit fee
5%
*) Se percepe prima dat la aniversarea unui an de la data emiterii cardului i ulterior la un interval de 12 luni / It is first charged at the one year
anniversary of the issue date. Afterwards it will be charged every 12 months.
16

ALPHA MASTERCARD CREDIT

)

Alte comisioane / Other fees

Valoare comision* / Fee

Numr de rate /Installments No.

m) Comision de activare a opiunii Rate Oriunde n Lume / Worldwide Installments

Activation Fee

1,5%
3%
4,5%
6%

3 rate / installments
6 rate / installments
9 rate / installments
12 rate / installments

Dobnzi / Interest rates

a) Dobnda acordat la disponibiliti - lei / Interest rate for positive balance - lei
**)
b) Dobnda pentru retrageri de numerar / Interest rate for ATM/cash advance
*
transactions* )
***)
***)
=Dobnda de referin + Marja bncii = Reference Rate + Standard margin
*)
c) Dobnda pentru pli la comerciani*) / Interest rate for sales transactions
**)
**)
=Dobnda de referin + Marja bncii = Reference Rate + Standard margin
1)
1)
d) Dobnda penalizatoare / Overdue interest rate

0%
conform / per
contract contract
conform / per
contract contract
5%

Alte condiii / Other conditions

a) Suma minim de plat / Minimum payment amount

2,5% principal (minim 10 lei) +

100% dobnzi + 100%
comisioane / 2.5% outstanding
(minimum 10 lei) + 100% fees +
100% commissions

b) Data de scaden / Due date

19 ale fiecrei luni /

th
19 of each month

****)

c) Perioada de graie*** ) / Grace period

maxim 55 zile /
maximum 55 days

* Se percepe la valoarea tranzaciei, n momentul mpririi acesteia n rate.

)
** Rata dobnzii este format din Dobnda de Referin (Rata dobnzii de referin a BNR pentru conturile n RON, respectiv EURIBOR 6M
pentru conturile n EUR) la care se adaug Marja bncii. / The interest rate is composed by Reference Rate (NBR Reference Rate for the RON
accounts, respectively EURIBOR 6M for the EUR accounts) plus the bank's margin.
)
*** Valoarea aplicabil i evoluia ratei Dobnzii de Referin este disponibil la adresa www.alphabank.ro sau n oricare din unitile Bncii. /
The applicable amount and the evolution of the Reference interest Rate is available on the website www.alphabank.ro or in any bank's unit.
****) Nu se pltete dobnd pentru plile efectuate la comerciani, oriunde n lume, n cazul n care suma total datorat evideniat pe
extrasul de cont este rambursat integral pn la data scadent. / No interest rate for merchant payment, anywhere in the world, if the owed
amount is fully reimbursed untill the due date.

17

ALPHA MASTERCARD CO-BRANDED, card de credit n parteneriat cu Telekom Romania Mobile

Comisioane pentru emitere / Issuing fees
a) Tax de emitere card principal / Main card issuing fee
b) Tax de emitere card suplimentar / Supplementary card issuing fee
*)
c) Comision anual de administrare card principal / Annual comission
*)
for main card management
d) Comision anual de administrare card suplimentar / Annual comission
for supplementary card management

0
0
10 lei
0

Deschidere cont / Account opening

a) Suma minim deschidere cont / Account opening minimum amount
b) Suma minim n cont - garanie / Account minimum amount - guarantee

0
0

Comisioane / tranzacie / Transactions fees

Tranzacii n Romnia / Domestic transactions
a) Retragere numerar la ATM-urile Alpha Bank / Cash withdrawal from
Alpha Banks ATMs
b) Retragere numerar la ATM-urile altor bnci romneti / cash withdrawal from
other banks ATMs
c) Pli la comerciani / sales
d) Retrageri numerar ghieu Alpha Bank (lei) / cash advance at Alpha Bank counter (lei)
e) Transfer din contul de card ctre cont Alpha Bank3)
/ Transfer from card account to another Alpha Bank account3)
x

1% (minim 2 lei)
1% + 2,5 lei
0
1% + 2,5 lei
0

Tranzacii n strintate / International transactions

1% (minim 10 lei)
0
3% (minim 4 euro)
0

a) Retragere numerar de la ATM /cash withdrawal from ATM

b) Pli la comerciani / sales
c) Retrageri numerar la ghieu / cash advance at counters
d) Conversie valutar / foreign exchange

Limite zilnice de utilizare / Daily limits

a) Retrageri numerar n Romnia / Domestic cash advance
b) Retrageri numerar n strintate / International cash advance
c) Pli la comerciani / Sales
d) Pli pe Internet / Internet sales

4.000 lei
2.000 lei
6.000 lei
900 lei

Alte comisioane / Other fees

a) nlocuire card (deteriorat, demagnetizat, schimbare nume)
/ Card replacement (distroyed, demagnetised, name changed)
b) Pierdere/furt card (card + PIN) / Lost/stolen card (card + PIN)
c) Rennoire card / Card renewal
d) Regenerare PIN / New PIN generation
e) Schimbare PIN la ATM Alpha Bank / PIN change at Alpha Bank ATM
f) Interogare sold la ATM Alpha Bank / Alpha Bank ATM balance inquiry
g) Refuzuri de plat nejustificate / Chargeback requests not sustained
h) Eliberare extras de cont lunar, o dat pe lun (prin pot) / Monthly account
statement (by POST)
i) Eliberare extras de cont lunar, o dat pe lun (prin e-mail / la banc)
/ Monthly account statement (by e-mail / at the Bank)
j) Duplicat sau copie pentru luna curent / Duplicates or copy for current month
k) Duplicat sau copie luni precedente (extras/lun) / Duplicates for previous
months (statement/month)
l) Comision depire limita de credit / Overlimit fee

5 lei
10 lei
0
5 lei
0
0
10 lei
0
0
1,5 lei/extras /
1.5 lei/statement
3 lei/extras /
3 lei/statement
5%

*) Se percepe prima dat la aniversarea unui an de la data emiterii cardului i ulterior la un interval de 12 luni / It is first charged at the one year
anniversary of the issue date. Afterwards it will be charged every 12 months.
18

ALPHA MASTERCARD CO-BRANDED, card de credit n parteneriat cu Telekom Romania Mobile

)

Alte comisioane / Other fees

Valoare comision* / Fee

Numr de rate /Installments No.

m) Comision de activare a opiunii Rate Oriunde n Lume / Worldwide Installments

Activation Fee

1,5%
3%
4,5%
6%

3 rate / installments
6 rate / installments
9 rate / installments
12 rate / installments

Dobnzi / Interest rates

a) Dobnda acordat la disponibiliti - lei / Interest rate for positive balance - lei
*
b) Dobnda pentru retrageri de numerar* ) / Interest rate for ATM/cash advance
**
transactions )
***)
***)
=Dobnda de referin + Marja bncii = Reference Rate + Standard margin
*)
c) Dobnda pentru pli la comerciani*) / Interest rate for sales transactions
**)
**)
=Dobnda de referin + Marja bncii = Reference Rate + Standard margin
1)
d) Dobnda penalizatoare1) / Overdue interest rate

0%
conform / per
contract contract
conform / per
contract contract
5%

Alte condiii / Other conditions

a) Suma minim de plat / Minimum payment amount

5% principal + 100% dobnzi

+ 100% comisioane /
5% outstanding+ 100%
fees +100% commissionsx

b) Data de scaden / Due date

19 ale fiecrei luni /

19th of each monthx

****)

c) Perioada de graie*** ) / Grace period

maxim 55 zile /
maximum 55 days

* Se percepe la valoarea tranzaciei, n momentul mpririi acesteia n rate.

)
** Rata dobnzii este format din Dobnda de Referin (Rata dobnzii de referin a BNR pentru conturile n RON, respectiv EURIBOR 6M pentru
conturile n EUR) la care se adaug Marja bncii. / The interest rate is composed by Reference Rate (NBR Reference Rate for the RON accounts,
respectively EURIBOR 6M for the EUR accounts) plus the bank's margin.
)
*** Valoarea aplicabil i evoluia ratei Dobnzii de Referin este disponibil la adresa www.alphabank.ro sau n oricare din unitile Bncii. / The
applicable amount and the evolution of the Reference interest Rate is available on the website www.alphabank.ro or in any bank's unit.
****) Nu se pltete dobnd pentru plile efectuate la comerciani, oriunde n lume, n cazul n care suma total datorat evideniat pe extrasul
de cont este rambursat integral pn la data scadent. / No interest rate for merchant payment, anywhere in the world, if the owed amount is
fully reimbursed untill the due date.

19

ALPHACARD ENTER MORE VISA - PERSOANE FIZICE / INDIVIDUALS Comisioane pentru emitere / Issuing fees
a) Tax de emitere card principal / Main card issuing fee
b) Tax de emitere card suplimentar / Supplementary card issuing fee
c) Comision anual de administrare card principal / Annual comission
for main card management
d) Comision anual de administrare card suplimentar / Annual comission
for supplementary card management

5 euro
5 euro
10 euro
0

Deschidere cont / Account opening

a) Suma minim deschidere cont / Account opening minimum amount
b) Suma minim n cont - garanie / Account minimum amount - guarantee

50 euro
25 euro

Comisioane / tranzacie / Transactions fees

Tranzacii n Romnia / Domestic transactions
a) Retragere numerar la ATM-urile Alpha Bank / Cash withdrawal from
Alpha Banks ATMs
b) Retragere numerar la ATM-urile altor bnci romneti / Cash withdrawal from
other banks ATMs
c) Pli la comerciani / sales
d) Retrageri numerar de la ghieu Alpha Bank (RON / EUR / USD) / Cash advance
at Alpha Bank counter (RON / EUR /USD)

0,2%
0,5% + 2,5 lei
0
Conform Tarifului de
comisioane privind
operaiunile desfurate
pe contul curentx

Tranzacii n strintate / International transactions

a) Retragere numerar de la ATM /cash withdrawal from ATM
b) Pli la comerciani / sales
c) Retrageri numerar la ghieu / cash advance at counters
d) Conversie valutar / foreign exchange

1% (minim 4 euro)
0
3% (minim 4 euro)
0

Limite zilnice de utilizare / Daily limits

a) Retrageri numerar n Romnia / Domestic cash advance
b) Retrageri numerar n strintate / International cash advance
c) Pli la comerciani / Sales
d) Pli pe Internet / Internet sales

4.000 lei
2.000 lei
6.000 lei
900 lei

Alte comisioane / Other fees

a) nlocuire card (deteriorat, demagnetizat, schimbare nume)
/ Card replacement (destroyed, demagnetized, name change)
b) Pierdere/furt card (card + PIN) / Lost/stolen card (card + PIN)
c) Rennoire card / Card renewal
d) Regenerare PIN / New PIN generation
e) Schimbare PIN la ATM Alpha Bank / PIN change at Alpha Bank ATMs
f) Interogare sold la ATM Alpha Bank / Alpha Bank ATM balance inquiry
g) Refuzuri de plat nejustificate / Chargeback requests not sustained
h) Reactivare card* / Card reactivation*
i) Eliberare extras de cont lunar (la cerere, la ghieu) / Monthly account statement
j) Duplicat sau copie pentru luna curent / Duplicates or copy for current month
k) Duplicat sau copie luni precedente (extras/lun)
/ Duplicates or copy for previous months (statement/month)
l) Eliberare mini extras de cont la ATM-urile Alpha Bank** / Mini statement
at Alpha Bank ATMs**

2,5 euro
5 euro
0
2,5 euro
1 leu/ 0,22 euro/ 0,28 USD
0,5 lei/ 0,11 euro/ 0,14 USD
5 euro
5 euro
0
1 euro/extras /
1 euro/statementx
2 euro/extras /
2 euro/statementx
1 leu/mini extras / 0,22 euro/
0,28 USD / mini statement

*) Se va percepe doar n situaia n care, anterior, solicitantul a deinut un card de debit de acelai tip cu cel solicitat/ Will be charged only if the
client owned a similar debit card previously.
**) Conine ultimele 10 tranzacii efectuate prin intermediul cardului de debit i postate pe cont / Contains the last 10 transactions performed with
the debit card. All these transactions are posted on the account.
20

ALPHACARD ENTER MORE VISA - PERSOANE FIZICE / INDIVIDUALS Dobnzi / Interest rates
a) Dobnd acordat la disponibiliti - lei, euro, USD / Interest rate for positive
balance - lei, euro, USD
b) Dobnda descoperit de cont neautorizat (lei)/ Unauthorized overdraft interest
rate (lei)
c) Dobnda descoperit de cont neautorizat (USD/EUR) / Unauthorized overdraft
interest rate (USD/EUR)

0%
25%
12%

Alte condiii / Other conditions

Suma minim de plat / Minimum payment amount

100% dobnzi i
100% comisioane /
100% fees and
100% commissions

21

ALPHACARD ENTER VISA

Dobnzi / Interest rates
a) Dobnd acordat la disponibiliti - lei / Interest rate for positive balance - lei
b) Dobnda descoperit de cont neautorizat / Unauthorized overdraft interest
rate (RON)
/ Interest rate (RON)
d) Dobnda descoperit de cont
=Dobnda de referin + Marja bncii = Reference Rate + Standard margin

0%
25%
conform / per
contract contract

Alte condiii / Other conditions

Suma minim de plat / Minimum payment amount

100% dobnzi i
100% comisioane /
100% fees and
100% commissions

* Rata dobnzii este format din Dobnda de Referin (Rata dobnzii de referin a BNR pentru conturile n RON, respectiv EURIBOR 6M
pentru conturile n EUR) la care se adaug Marja bncii. / The interest rate is composed by Reference Rate (NBR Reference Rate for the RON
accounts, respectively EURIBOR 6M for the EUR accounts) plus the bank's margin.
)
** Valoarea aplicabil i evoluia ratei Dobnzii de Referin este disponibil la adresa www.alphabank.ro sau n oricare din unitile Bncii. /
The applicable amount and the evolution of the Reference interest Rate is available on the website www.alphabank.ro or in any bank's unit.

23

Note:

Notes:

1)

1)

Dobnda penalizatoare reprezint o rat procentual

Interest penalty represents an annual percentage rate that

anual care se aplic la suma minim datorat i

applies to the minimum amount due and unpaid and is

nepltit i se calculeaz prin raportarea numrului de

calculated comparing the number of actual days of default

zile efective de neplat la numrul de zile considerate

with the number of days of one year (365).

ntr-un an (365).
2)
3)

Comisionul reprezint contravaloarea taxelor potale.

Serviciu disponibil numai pentru cardurile declarate

2)

This commission represents the value of the postal fees.

3)

Service available only for cards reported lost/stolen.

pierdute/furate.
4)

Comisioane aplicabile numai n situaia n care se

4)

Fees applied only when calling Visa International Service

apeleaz Visa International Service Center (VISC).

Center (VISC).

Meniuni:

Mentions:

1) Comisioanele pentru tranzaciile internaionale sunt

1) Fees for international transactions are displayed in EUR.

afiate n EUR.
2) Comisioanele pentru tranzaciile efectuate la ATM

2) Fees for transactions performed at ATMs are displayed on

sunt afiate cumulat pe extrasul de cont lunar. Putei

the cumulative monthly account statement. You can request

solicita informaii detaliate cu privire la modul de calcul

detailed information concerning the calculations of fees for

al comisioanelor pentru tranzaciile efectuate la ATM,

ATM transactions at any Alpha Bank unit.

de la orice unitate Alpha Bank.

24

Cumpr inteligent, cumpr n siguran.

Buy smart, buy safe.

Verifiedby
TM

Pentru protecia suplimentar a tranzaciilor tale pe

Internet i oferim acces gratuit la serviciile: Verified by
VISA valabil pentru cardurile emise sub sigla VISA i
MasterCard SecureCode, valabil pentru cardurile
emise sub sigla MasterCard.

To protect your Internet transactions we offer you free

access to the following services: Verified by VISA valid
for cards issued under VISA logo and MasterCard
SecureCode valid for cards issued under MasterCard logo.

De fiecare dat cnd vei dori s efectuezi o plat

xxxxxxby i
pe Internet (acolo unde sunt afiate siglele Verified
xxxxxxxxx) nainte de finalizarea tranzaciei trebuie s-i
introduci parola special definit pentru serviciul respectiv.

Every time when you want to make an Internet transaction

Verifiedby
(web pages where xxxxxx
x and xxxxxxxx logos are displayed)
you have to provide your chosen password for this service,
before finalizing the payment.

Tot ce trebuie s faci este s activezi acest serviciu

accesnd www.alphabank.ro. Activarea este rapid,
uoar i fr niciun cost!

All you have to do is to activate this service accessing

www.alphabank.ro. Activation is quick, easy and involves
no costs!

Poi gsi mai multe informaii despre cele 2 servicii i

despre activarea lor pe www.alphabank.ro la seciunea
carduri.

You can find more information about this two services and
their activation on www.alphabank.ro ,cards" section.

TM

xx

TM

xx

xx

Contacte utile / Contacts:

Telefon: (021) 319.93.50
e-mail: alphacards@alphabank.ro