OUT OF POCKET EXPENSES

Postage, cable/telex expenses, correspondence charges and other out of pocket expenses, if any, may be added
to the above charges.
Note:
• Only one Supplementary Debit Card and Inquiry only Bank by Phone access ID will be provided to a
customer.
• Service charges for non-maintenance of minimum balance/non performance of transactions will not be
applicable in the month in which the account is opened.
• Customers holding a Maestro Debit Card may access only Cirrus ATMs.
• The Royal Bank of Scotland N.V. reserves the right to assess charges on transactions which are not
covered by this schedule and to amend without prior notice the terms and conditions governing such
services mentioned above and rates stated in this schedule.
• Any change in the charge tariff will be applied after a notice of atleast 30 days.
• All transactions involving sale or purchase of foreign exchange will be subject to a charge of Rs. 25.00 per
The Royal Bank of Scotland
transaction in addition to the charges stated above. This is exclusive of taxes as applicable from

#
time to time.
+ Add-on Account Debit Card fee is Rs. 180 p.a. This is applicable to supplementary Debit Cards as
well.
Free transactions are available if minimum average balance is maintained.
SAVINGS ACCOUNT
##
The special benefits associated with the Familink account are being extended only till such time the
Introducer account continues under a salaried account programme with the Bank.
###
Demand Draft / Cashier’s Cheque upto Rs. 50,000 is free per month subject to fulfillment of
monthly Transaction criteria.
* Effective 15th Oct 2009 first 5 Cash Withdrawal transactions at non RBS ATM's are free per month.
** Subsequent to the month where transaction criteria are not fulfilled and balance is less than Rs.10,000
for Flex Advantage customers. For other customers, this is applicable subsequent to the month where
minimum average balance is not maintained.
*** Subject to fulfillment of monthly Transaction criteria.
Sign up for any of the following. With effect from April, 2011
S. No. Product Conditions
a) Investments Rs. 50,000 of equity or Rs. 2,00,000 of Debt or Systematic Investment Plan
of Rs. 2,000 per month (Minimum tenor of 12 months) at the time of sign up.
b) Insurance Any insurance policy with a Direct Debit mandate to your Flex Advantage
Savings Account.
c) Credit Card Standing Instructions for minimum payment of your RBS Credit Card from
your Flex Advantage Savings Account.
d) Fixed Deposit Any RBS Fixed Deposit over Rs. 50,000 (minimum tenor six months).
And undertake any two of the following transactions every month.
S. No. Transaction Type Transaction Description
a) Investment Payments Make any Mutual Fund or Systematic Investment Plan payment by
cheque or through Direct Debit from your Flex Advantage Savings
Account.
b) Insurance Payments Pay your insurance premium through Direct Debit, cheque or the Bill
payment option, available through Bank by Phone, NetBanking or
ATMs.
c) Credit Card Payments Payment of any Card (RBS or otherwise) through Direct Debit, cheque
or the Bill payment option, available through Bank by Phone,
NetBanking or ATMs.
d) Loan Payments Payment of loans from RBS or any other bank through cheque or
Standing Instructions.
e) Bill Payments Utility payments through cheque or the Bill payment option, available
through Bank by Phone, NetBanking or ATMs.

f) Retail Purchases Any purchase through your RBS Debit Card.

g) Deposits Any deposits to your Flex Advantage Savings Account in the form of
cheques, cash or fund transfer.

Bank by Phone
Agra : 0522-398 2500 Jalandhar : 92 1650 1111 Moradabad : 92 3552 1111 Pune : 6642 1111
Ahmedabad : 92 2792 1111 Jodhpur : 92 1430 1111 Mumbai : 6627 1111 Salem : 92 8202 1111
Bengaluru : 4124 5555 Kolhapur : 92 2332 1111 Nasik : 92 2332 1111 Surat : 92 2792 1111
Chennai : 2821 5151 Kolkata : 4434 1111 New Delhi : 0124-411 1111 Tirupur : 92 8202 1111
L/2008/10/02

Gurgaon : 411 1111 Lucknow : 398 2500 Noida : 0124-411 1111 Udaipur : 92 1430 1111
Hyderabad : 6666 1234 Mangalore : 300 1500 Panipat : 0124-411 1111 Vadodara : 661 9999

www.rbs.in Toll Free # : 1800 11 2224

The above mentioned charges exclude service tax and education cess thereon.
 Schedule of Benefits – Savings Accounts Average Daily Balance Requirement
Flex Flex Flex Privilege
Services Flex Familink
##

Advantage Plus Privilege Average Daily Balance Requirement: Rs. 50,000 per month
Demand Drafts Service Charge
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Drawn on our branches in India Rs. 50 Rs. 50 Free Free If balance is less than Rs. 50,000 Rs. 500 per month
###
- on Correspondent Bank's locations
Drawn 0.25% 0.25% Free Free No. of Add-on Savings Accounts allowed within
(Min. of Rs. 50, Max. of Rs. 8,000) above balance requirement: Two
Drawn on SBI locations 0.25% 0.25% 0.25% 0.25% (Balance can be maintained in any combination
(Min. of Rs. 50, Max. of Rs. 8,000) across the individual savings accounts in the cluster)
Foreign Currency Demand Drafts Rs. 200 Rs. 200 Rs. 200 Rs. 200 Flex Plus
Cancellation / Revalidation Rs. 50 Rs. 50 Free Rs. 50
Cheque Collection Average Daily Balance Requirement: Rs. 10,000 per month
Outstation Cheques drawn and payable in India Service Charge
(Rs./Instrument) If balance is less than Rs. 10,000 Rs. 500 per month
Up to and including Rs. 5,000 Rs.25 Rs.25 Rs.25 Rs.25 No. of Add-on Savings Accounts allowed within
Above Rs. 5,000 and up to and including Rs. 10,000 Rs.50 Rs.50 Rs.50 Rs.50 above balance requirement: None
Above Rs. 10,000 and up to and including Rs. 1,00,000 Rs.100 Rs.100 Rs.100 Rs.100 Average Daily Balance Requirement: Rs. 15,000 per month (with add-on account)
Above Rs. 1,00,000 Rs.150 Rs.150 Rs.150 Rs.150 Service Charge
Foreign Currency cheques payable outside India 0.25% 0.25% 0.25% 0.25% If balance is less than Rs. 15,000 Rs. 500 per month
(Min. of Rs.150, Max. of Rs. 5,000)
No. of Add-on Savings Accounts allowed within
Doorstep Banking above balance requirement: One
Courier Pick up and Delivery (non-cash) (Rs. 25 per transaction) 1 per day free 1 per day free Free 1 per day free (Balance can be maintained in any combination
Demand Draft Delivery (Rs. 50 per transaction) 1 per day free 1 per day free Free 1 per day free across the individual savings accounts in the cluster)
ATM and Debit Card services
ATM Card Free Free Free Free Familink##
International / Premium Debit Card fee+ Rs. 180 Rs. 180 Free Rs. 180 Add-on Family Account option is available to all Salaried account holders with the Bank Only.
Gold / Premium Plus Debit Card fee Rs. 400 Rs. 400 Rs. 400 Rs. 400 Average Daily Balance Requirement: Rs. 5,000 per month
International / Premium Debit Card Spending Limit per day Rs. 50,000 Rs. 50,000 Rs. 1,00,000 Rs. 50,000 Service Charge
Gold / Premium Plus Debit Card Spending Limit per day Rs. 1,00,000 Rs. 1,00,000 Rs. 1,00,000 Rs. 1,00,000 If balance is less than Rs. 5,000 Rs. 500 per month
Supplementary Debit Card spending limit per day Rs. 10,000 Rs. 10,000 Rs. 10,000 Rs. 10,000 No. of Add-on Savings Accounts allowed within
Replacement of Debit Card Rs. 200 Rs. 200 Rs. 200 Rs. 200 above balance requirement: None
Cash Withdrawal at Non-RBS ATMs in India Free* Free* Free* Free* Flex Advantage
(Rs. 20 per transaction))
Cash Withdrawal at MasterCard/Cirrus ATMs Outside India Rs. 120 Rs. 120 Free# Rs. 120 Average Daily Balance Requirement: No minimum balance***
Balance Inquiry on Non-RBS ATMs in India Free Free Free Free Service Charge (If transaction criteria not met)
Balance Inquiry on Non-RBS ATMs Outside India Rs. 20 Rs. 20 Rs. 20 Rs. 20 If balance is less than Rs. 10,000 Rs. 500 per month
ATM Cash Withdrawal Limit per day (International / Premium) Rs. 50,000 Rs. 50,000 Rs. 1,00,000 Rs. 50,000 No. of Add-on Savings Accounts allowed within
ATM Cash Withdrawal Limit per day (Gold / Premium Plus) Rs. 1,00,000 Rs. 1,00,000 Rs. 1,00,000 Rs. 1,00,000 above balance requirement: None
Statement of Account (charges per statement) Transaction criteria for Flex Advantage savings account are detailed on the reverse.
Monthly e-Statement Free Free Free Free
Duplicate / Ad hoc Statement Rs. 100 Rs. 100 Rs. 100 Rs. 100 Free Free Free
Remittances
Transfer of Funds across ATM transactions on
Remittances through correspondent banks 0.25% 0.25% 0.25% 0.25%
(Min. of Rs. 150, Max. of Rs. 8,000) RBS N.V. RBS ATMs in India
Foreign Currency Telegraphic Transfers Rs. 250 Rs. 250 Rs. 250 Rs. 250
Foreign Inward Remittance Certificate Rs. 250 Rs. 250 Free Rs. 250
RTGS Transfer (Rs./Transaction)
Rs. 2 lacs to 5 lacs Rs. 25 Rs. 25 Rs. 25 Rs. 25
Rs. 5 lacs and above Rs. 50 Rs. 50 Rs. 50 Rs. 50
RTGS Collection Free Free Free Free
Payment / Collection through NEFT Free Free Free Free
General
Account Closure within 12 months Rs. 500 Rs. 500 Rs. 500 Rs. 500
Payable at par Cheque Books Rs. 50** Rs. 50** Free Rs. 50**
Cheques issued by you returned unpaid (Charge per instrument) Rs. 350 Rs. 350 Rs. 350 Rs. 350
Cheques deposited by you and returned unpaid Rs. 100 Rs. 100 Free Rs. 100
(Charge per instrument)
ECS instruction returned unpaid Rs. 200 Rs. 200 Rs. 200 Rs. 200
Stop Payment for individual cheque or a range of cheques Rs. 100 Rs. 100 Free Rs. 100
Standing Instructions set-up/amendments Rs. 50 Rs. 50 Free Rs. 50
Dormant Account maintenance charges (per quarter) Rs. 300 Rs. 300 Rs. 300 Rs. 300
Inquiry only Bank by Phone access ID Rs. 100 Rs. 100 Free Rs. 100
Foreign Currency Travellers’ Cheques Commission 1% 1% Nil 1%
Copy of cheques paid (Charge per instrument) Rs. 100 Rs. 100 Rs. 100 Rs. 100
Interest certificates (annual) Free Free Free Free
Duplicate interest certificates Rs. 50 Rs. 50 Rs. 50 Rs. 50
TDS certificates (annual) Free Free Free Free
Duplicate TDS certificates Rs. 50 Rs. 50 Rs. 50 Rs. 50
Confidential Reports Rs. 250 Rs. 250 Free Rs. 250
Balance Confirmation Certificate (per document) Rs. 50 Rs. 50 Free Rs. 50
Signature verification (per document) Rs. 50 Rs. 50 Free Rs. 50
Account maintenance certificate (per document) Rs. 50 Rs. 50 Free Rs. 50
Photo attestation (per document) Rs. 50 Rs. 50 Free Rs. 50
Email/SMS Alert Service (per month) Rs. 25 Rs. 25 Rs. 25 Rs. 25
IRCTC bookings through NetBanking (per transaction) Rs.10 Rs.10 Rs.10 Rs.10