BCEL i-Bank

Daily Limit
Personal / Retail users	LAK 300,000,000 / day
Corporate users	LAK 6,000,000,000 / day
Cross currency transfers (applied to all kinds of transfers)	LAK 4,000,000 / day
International transfer limit	LAK 100,000,000 / day (cumulative to all currencies as the same currency transfer)
Transfer to non-account receiver	LAK 100,000,000 / day
BCOME transfer	LAK 5,000,000 / day

1. Registration fee	None
2. Monthly fee
Personal / Retail users	LAK 10,000 / month
Corporate users	LAK 20,000 / month
3. Issuing an OTP Token device	USD 15
4. BCEL account transfer charges
4.1. Transfer in LAK or foreign currency under the same account name
4.1.1 Personal / Retail users
Transfer amount within month: LAK 20,000,000	None
Exceeds transfer amount within month: less than or equals to LAK 10,000,000	LAK 1,000 / transaction
Exceeds transfer amount within month: from LAK 10,000,001 to LAK 20,000,000	LAK 2,000 / transaction
from LAK 20,000,001 to LAK 30,000,000	LAK 3,000 / transaction
from LAK 30,000,001 to LAK 40,000,000	LAK 4,000 / transaction
from LAK 40,000,001 to LAK 50,000,000	LAK 5,000 / transaction
from LAK 50,000,001 to LAK 100,000,000	LAK 6,000 / transaction
from LAK 100,000,001 to LAK 200,000,000	LAK 8,000 / transaction
Greater than or equal to LAK 200,000,001	LAK 10,000 / transaction
4.1.2 Corporate users
Transfer amount within month: LAK 100,000,000	None
Exceeds transfer amount within month: less than or equals to LAK 100,000,000	LAK 2,000 / transaction
Exceeds transfer amount within month: from LAK 100,000,001 to LAK 300,000,000	LAK 4,000 / transaction
from LAK 300,000,001 to LAK 500,000,000	LAK 6,000 / transaction
from LAK 500,000,001 to LAK 1,000,000,000	LAK 8,000 / transaction
Greater than or equal to LAK 1,000,000,001	LAK 10,000 / transaction
4.1.3 Maximum fee of Domestic Transfer within BCEL network (Individual and Corporate customers)	Max LAK 300,000/customer/month For additional transactions, LAK 1,000/transaction
4.2 Transfer in foreign currency under the different account name	0.30% of transaction amount Min. 1 USD (equivalent) Max. 30 USD (equivalent)
4.3 Increase Domestic Fund Transfer Limit within BCEL network for Individual customer	LAK 30,000/month
4.4. Increase Domestic Fund Transfer Limit within BCEL network for Corporate customer
From 6,000,000,001 - 10,000,000,000 LAK/day	LAK 50,000 / Month
From 10,000,000,001 - 20,000,000,000 LAK/day	LAK 70,000 / Month
ຈຳນວນ 20,000,000,001 - 30,000,000,000 ກີບ/ມື້	LAK 90,000 / Month
From 30,000,000,001 - 40,000,000,000 LAK/day	LAK 110,000 / Month
From 40,000,000,001 - 50,000,000,000 LAK/day	LAK 130,000 / Month
From 50,000,000,001 - 100,000,000,000 LAK/day	LAK 150,000 / Month
From 100,000,000,001 LAK/day onwards	LAK 200,000 / Month
5. Transfer to non-account receiver	LAK 10,000 / transaction
6. Fund transfer to other bank's deposit account in BCEL and transfer to other banks in Lao PDR.
6.1 Transfer to LAK or foreign currency under the same account name
Less than or equal to LAK 200,000,000	LAK 10,000 / transaction
from LAK 200,000,001 - LAK 500,000,000	LAK 15,000 / transaction
from LAK 500,000,001 - LAK 1,000,000,000	LAK 20,000 / transaction
from LAK 1,000,000,001 - LAK 5,000,000,000	LAK 25,000 / transaction
Greater than or equal to LAK 5,000,000,001	LAK 30,000 / transaction
6.2 Transfer in foreign currency under the different account name	0.30% of transaction amount Min. 1 USD (equivalent) Max. 30 USD (equivalent)
7. International transfer charges	Based on the international outward transfer fees: 0.1 % ?of transfer amount + USD 15 of wire charge (Minimum: USD 5,00 / Maximum: USD 500,00) * For transferring THB to Thailand: 0.25% (Minimum: THB 200,00 / Maximum: THB 500,00)
8. Payroll transaction charges (limited to 5 times / month)
8.1. Transfer in LAK or foreign currency under the same account name	LAK 500 / beneficiary account
8.2 Transfer in foreign currency under the different account name	0.30% of transaction amount Min. 1 USD (equivalent) Max. 30 USD (equivalent)
9. Check account statements	None
10. New Password issuance	LAK 10,000 / time
11. Bill payment transaction charges	Based on contract between BCEL and bill provider
12. Change or Amendment
12.1 Bill payment	LAK 10,000 / transaction
12.2 Phone number or email to receive OTP or notification	LAK 5,000 / time
12.3 Payroll transaction	None
12.4 Fund Transfer to non-account receiver, transfer to other bank's deposit account in BCEL and transfer to other banks in Lao PDR	LAK 10,000 / transaction / time
13. Open new user
13.1 Less than or equal to 6 User ID	None
13.2 More than 6 User ID (For 7th User ID onward, including closed User ID)	LAK 5,000 / User ID
14. Issue a report of customer's usage information in BCEL i-Bank	LAK 50,000 / time / customer
15. Provide a transaction reporting in BCEL i-Bank for customer	Based on the Request for Backward Statement fee
16. Amendment transfer limit or special request from customer	100,000 LAK/time
17. Linking BCEL i-Bank with customer's financial system
17.1 Linking BCEL i-Bank with customer's financial system to generate transaction	Based on the contract, at least 5 million LAK/contract
17.2 Annual fee	2.500,000 LAK / year
18. BCEL Community Money Express (BCOME)	Based on BCOME service fees
19. Topup Paycard for enterprises and factories	Based on Paycard service fees

(BCEL reserves the rights to modify fees and charges regarding BCEL i-Bank service periodically on BCEL i-Bank website)

** Remarks: This is a translation that shall be used solely to assist customer who are uncomfortable with Laotian script. In case of inconsistency between the English and Laotian versions, the Laotian version shall prevail in all events.

Fees and Charges in BCEL i-Bank (Effective from 05 April 2025 onward)