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 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
4.2 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
4.3 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
4.4 Increase Domestic Fund Transfer within BCEL network for Individual customer	LAK 30.000/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.
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
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	LAK 500 / beneficiary account (limited to 5 times / month)
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. Exchange fee (exclude LAK to USD / THB / CNY that cannot perform exchange)	None
14. Open new user
14.1 Less than or equal to 6 User ID	None
14.2 More than 6 User ID (For 7th User ID onward, including closed User ID)	LAK 5.000 / User ID
15. Issue a report of customer's usage information in BCEL i-Bank	LAK 50.000 / time / customer
16. Provide a transaction reporting in BCEL i-Bank for customer
1 month to 1 year	20.000 LAK, 3 USD, 90 THB, 20 CNY/letter/account (Not exceeding 500 transactions/letter. Charges for exceeded transactions: 5.000 LAK, 1 USD, 25 THB, 10 CNY/letter)
Over 1 year to 2 years	50.000 LAK, 7 USD, 220 THB, 50 CNY/letter/account (Not exceeding 500 transactions/letter. Charges for exceeded transactions: 5.000 LAK, 1 USD, 25 THB, 10 CNY/letter)
Over 1 year to 2 years	100.000 LAK, 13 USD, 440 THB, 90 CNY/letter/account (Not exceeding 750 transactions/letter. Charges for exceeded transactions: 10.000 LAK, 2 USD, 50 THB, 10 CNY/letter)
Over 1 year to 2 years	200.000 LAK, 25 USD, 880 THB, 180 CNY/letter/account (Not exceeding 750 transactions/letter. Charges for exceeded transactions: 10.000 LAK, 2 USD, 50 THB, 10 CNY/letter)
Over 1 year to 2 years	300.000 LAK, 37 USD, 1.310 THB, 260 CNY/letter/account (Not exceeding 1.250 transactions/letter. Charges for exceeded transactions: 20.000 LAK, 3 USD, 90 THB, 20 CNY/letter)
Over 1 year to 2 years	500.000 LAK, 65 USD, 2.200 THB, 430 CNY/letter/account (Not exceeding 1.250 transactions/letter. Charges for exceeded transactions: 20.000 LAK, 3 USD, 90 THB, 20 CNY/letter)
Over 10 years (if available)	1.000.000 LAK, 125 USD, 4.400 THB, 860 CNY/letter/account (Not exceeding 2.500 transactions/letter. Charges for exceeded transactions: 50.000 LAK, 7 USD, 220 THB, 50 CNY/letter)
17. Amendment transfer limit or special request from customer	100.000 LAK/time
18. Linking BCEL i-Bank with customer's financial system
18.1 Linking BCEL i-Bank with customer's financial system to generate transaction	Based on the contract, at least 5 million LAK/contract
18.2 Annual fee	2.500.000 LAK / year
19. BCEL Community Money Express (BCOME)	Based on BCOME 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 January 3, 2023 onward)