w.e.f.

February 1, 2020

Program Criteria 8 Lakhs CASA AMB or Foreign Outward Remittance ` 250 inclusive of
30 Lakhs NRV or 3 Lakhs SWIFT Charges
Salary Credit per month* Foreign Inward Remittance Free
AMB Non-maintenance charges NIL*

Card Type YES FIRST WORLD DEBIT CARD

Intra-Bank Fund Transfer - Branch Free
Annual Fee of `2,499 Nil*
Intra-Bank Fund Transfer - Internet Banking Free
Cash Withdrawal - India Free
RTGS Payment - Branch Free Cash Withdrawal - Outside India Free
RTGS Payment - Internet Banking/Mobile Banking Free Balance Enquiry - India Free
NEFT Payment - Branch Free Balance Enquiry - Outside India Free

NEFT Payment - Internet Banking/Mobile Banking Free PIN Regeneration Free

Charge Slip retrieval Free
IMPS Free
ATM Transaction Declines due to insufficient funds Free
Payable-at-Par Cheque Usage Free
Replacement of lost / stolen Debit Card Free
DD payable at YES BANK locations - Branch Free
Cross Currency Mark-up 1.99%
DD payable at YES BANK locations -
Internet Banking / Mobile Banking Free
DD payable at Correspondent Bank locations Free

Pick-Up or Delivery of instruments One Free per day;

` 100 / Visit thereafter

Intra-Bank Fund Transfer Collection Free

RTGS Collection Free
NEFT Collection Free
Cheque Collection - Local Clearing Free Cheque Return - Insufficient funds ` 350 for First cheque return
` 750 from second cheque
Outstation Cheque Collection - YES BANK locations As per product variant onwards
ECS Return - Insufficient funds ` 200 / Return
Outstation Cheque Collection - Correspondent As per product variant
Bank locations Cheque Return - Local Clearing ` 50 / Cheque
Outstation Cheque Collection - Other locations As per product variant Cheque Return - Outstation Collection ` 50 / Cheque
(instrument value) Stop Payment of Cheques - Branch Free
Cash Deposit Free SWIFT Charges Free
Activation of Dormant Account Free
Account Closure Charges Within 30 days: Free
After 30 days: ` 500

DD Issuance - Foreign Currency ` 250 Depository Annual Maintenance Charges Free

DD Cancellation- Foreign Currency
Cheque Collection - Foreign Currency
*See Common guidelines for details
**Applicable for resident customers only
` 100 Securities (Trading Account) AO Fee** Free & Reduced Brokerage
` 250 SMS / Email Alerts (Day-end balance /
transactions above a threshold / low balance) Free
Utility Bill payment - Internet Banking /
^ Please check with the branch for the availability of this service Mobile Banking Free

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 w.e.f. February 1, 2020

Account Opening Free

Registrations (Internet Banking/ Mobile Banking/ Phone Banking) Free
Investment Services Registration Free
Nomination Facility Free
Payable at Par Cheque Book Free
Any Branch Banking Free
Monthly/Annually statement by post Free
Standing Instruction maintenance - Branch/Internet Banking/ Mobile Banking Free
ECS Instruction Free
Balance Enquiry - Branch/Internet Banking/ Mobile Banking Free
Replacement of damaged Debit Card Free
E-commerce payment - Internet Banking Free
Mutual Fund investments - Branch/ Internet Banking Free
Stop Payment of Cheques - Internet Banking/ Mobile Banking Free
Cancellation of DD payable at YES BANK locations Free
Cancellation of DD payable at Other locations Free
DD Revalidation Free
Passbook Issuance Free
Banker's Verification (Signature/Address/Photograph) Free
Retrieval of Cheque / Instruction Free within 1 year of date of issue,
` 100 / Cheque thereafter
*See Common guidelines for details

! The YES FIRST Programme Criteria is a minimum Current and Savings Average Monthly Balance of INR 8 Lakhs or a minimum Net Relationship Value of INR 30
Lakhs at a family level or a minimum net salary credit of INR 3 Lakhs per month in salary accounts with YES BANK. Non-maintenance of the Programme criteria
will result in withdrawal of Programme benefits.
! Average Monthly Balance (AMB): Average of Daily Closing Balance for the Month= Summation of daily closing balance/Actual no. of calendar days in the Month
! Net Relationship Value (NRV) is calculated by aggregating the average monthly Savings and Current Account Balances, Fixed Deposits Value, Mutual Funds,
Insurance premium paid, 10% of disbursed value of Loans against Securities/ Loans against Property / Home Loans and 25% of Demat Holdings with YES BANK.
! For YES FIRST Customers, the YES FIRST World Debit Card will be free, as long as the customer is part of the programme. The card will be provided only on
customer request.
! A Card Rate applies to all Foreign Exchange conversion transactions less than US$ 20000 (or equivalent).
! The charges for Forex transactions mentioned in the Schedule of Charges do not include any charge that may be levied by the originating / correspondent bank,
which will be processed in respective currencies of the country, however, the customer's account will be debited in INR only (The exchange rate used for all foreign
currency transactions will be decided by YES BANK as per the prevalent market rates on the day of such transaction for conversion of Indian rupee in respect of
the foreign currency, as ascertained by Reserve Bank of India from time to time and the same along with the mark up charged will be binding on the Cardholder).
! A Foreign Exchange Conversion Charge of INR 50 (plus goods and service tax) will be levied on all Forex sale and purchase transactions.
! Goods and Services Tax (GST) as applicable would be levied on all charges mentioned.
! The Schedule of Charges is applicable for both Resident and Non-resident savings accounts.
! Only Instrument Pick-up/Delivery facility is allowed as a Free privilege within Doorstep Banking.
! In case of insufficient funds in the account, for recovery of charges, YES BANK reserves the right to force debit or make repeated attempt(s) to recover charges due.
! Kindly refer to our website or contact our branches for latest Schedule of charges.

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