Access Bank Plc (2024)

Table of Content

Disclaimer

Rates are in line with CBN guidelines
Charges are negotiable as indicated
Rates may change at the instance of the regulator or the Bank, but customers will be notified accordingly.
Terms and conditions apply

Account Services
Personal Account - Savings
Personal Account - Current



Debit Cards
Credit Cards
Mobile Banking
Internet Banking
Mobile Money
POS
USSD

Loans
Personal Loans
Digital Loans
Emerging Business Asset Propositions

Global Payments
Letter of Credit
Bill for Collection
Form M, Form A, Form NXP
Foreign Funds Transfers

Others

Lifestyle Propositions
Xclusive Plus
Health Xtra

NOTE: VAT (Value Added Tax) is calculated at 7.5%

Personal Accounts - Savings

Service Item

Early Savers

Solo

Instant Savings

Premier Savings

Evergreen Savings

Everyday Banking Savings

Diaspora Savings

High Interest Deposit Account
(HIDA)

Community Savings

Diamondxtra

Interest Rate (P.A.)

5.55%

Less than ₦100,000	0.50%
₦100,000- ₦4,999,999	2.50%
₦5M - ₦49,999,999	3.50%
₦50M - ₦99,999,999	3.75%
₦100M - ₦249,999,999	5.50%
₦250M & ABOVE	5.0%

5.55%

Quarterly Debit Card Maintenance Fee (Inclusive of VAT)

N/A

₦53.75

N/A

₦53.75

FGN Electronic Money Transfer Levy

₦50

Account Restrictions

N/A

Monthly penal charge of N150
This is waived if a minimum balance of N5,000 is maintained throughout a month

N/A

Debit turnover limit of N10m. A charge of N1 per mille will be applied if exceeded

Transactional SMS

₦4/SMS

FREE

₦4/SMS

NOTES

Please note that interest will not be earned if there are more than Four (4) withdrawals within the month
Electronic Money Transfer Levy of ₦50 is charged on electronic transfer of money deposited in any bank or financial institution, on any account, on sum of ₦10,000.00 or more.
The Early Savers Account does not come with a card at point of account opening. However, as the child approaches teen age – a card can be issued at instance of the parent or guardian request. The standard card issuance fee of N1,000 applies (excl. VAT) along with an annual maintenance charge of N100

Personal Accounts - Currents

Service Item	Individual Current	Gold Current	Premium Current	Evergreen Current	Everyday Banking Current	Domicialliary Current	Diamond Xclusive	Community Current
Current Account Maintenance Fee	₦1 per mille	Zero, (subject to con- dition below)	NIL	NIL	NIL	NIL	NIL	NIL
Account Conditions	No turnover limit	Maximum monthly turnover of ₦5million. If this is exceeded a charge of ₦1 per mille applies	Monthly Turnover limit of ₦50million. A charge of N1 per mille applies if exceeded	NIL	NIL	Cash Handling charge of 0.05% of trans- action value or $10, whichever is lower on withdrawals	Opening and operating balance of N25,000.00 and Monthly Turnover limit of ₦50million. A charge of N1 per mille applies if exceeded	₦3/mille in excess of ₦1million
Monthly Maintenance Charge	N/A	N/A	Zero charges if a balance of ₦1million is maintained monthly. A charge of ₦1/mille applies if this is not kept	NIL	N/A	NIL	Product fee of ₦5,950 (This is waived if a minimum balance of N1 million is main- tained throughout the month)	₦500 (This is waived if a minimum balance of ₦100,000 is main- tained throughout the month)
Debit Card Mainte- nance Fee (Quarterly)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FGN Electronic Money Transfer Levy	₦50	₦50	₦50	₦50	₦50	₦50	₦50	₦50
Interest Rate (p.a)	N/A	N/A	N/A	N/A	N/A	0.01% (above 100,000 GBP, USD, Euro)	1.5%	N/A
Transactional SMS	₦4/SMS	₦4/SMS	₦4/SMS	FREE	₦4/SMS	₦4/SMS	₦4/SMS	₦4/SMS
Cheque Book Incl. VAT	25 leaves – N806.25 50 leaves- N1,612.50 100 leaves- N3225	25 leaves – N806.25 50 leaves- N1,612.50 100 leaves- N3225	25 leaves – N806.25 50 leaves- N1,612.50 100 leaves- N3225	FREE	25 leaves – N806.25 50 leaves- N1,612.50 100 leaves- N3225	25 leaves – N806.25 50 leaves- N1,612.50 100 leaves- N3225	25 leaves – N806.25 50 leaves- N1,612.50 100 leaves- N3225	25 leaves – N806.25 50 leaves- N1,612.50 100 leaves- N3225

NOTES

Electronic Money Transfer Levy of ₦50 is charged on electronic transfer of money deposited in any bank or financial institution, on any account, on sum of ₦10,000.00 or more.
Debit Card Maintenance Fee is only applicable to savings accounts (Quarterly)
Everyday Banking Current Account is designed for employees of corporates, i.e. salary earners. You can enjoy Salary Advance up to 50% of net monthly salary (accessible via USSD code *901*11# or www.mypayday.ng)
Please note that Diamond Xclusive is no longer available to New Bank customers

Business & Corporate Accounts

Service Item

DBA – Basic

DBA- Growing

DBA- Established

Trader Lite Individial

Trader Lite Business

Msme Current

Diamond School Advantage

Current Account Maintenance Fee

N/A

0.10%

N/A

Monthly Subscription Fee

₦2,000

₦4,000

₦7,500

₦75

N/A

Termly Charges:

1st term (Sept 30th)	₦6,000
2nd term (January 31st)	₦6,000
3rd term (May 31st)	₦6,000

Account Conditions

Monthly turnover limit of ₦4million

Penalty for monthly debit above limit – 0.3% of excess

Monthly turn- over limit of ₦12million

Penalty for monthly debit above limit – 0.3% of excess

Monthly turnover limit of ₦50million

Penalty for monthly debit above limit – 0.3% of excess

Monthly turnover limit of ₦1million

Penalty for monthly debit above limit – 0.1% of excess

Monthly turnover limit of ₦1million

Penalty for monthly debit above limit – 0.1% of excess

N/A

Minimum Opening balance and Monthly Operating balance of ₦10,000

Interest Rate (p.a)

N/A

Debit Card Maintenance Fee (Quarterly)

N/A

FGN Electronic Money Transfer Levy

₦50

Transactional SMS

₦4/SMS

NOTES

The Monthly Subscription fee applicable on all Diamond Business Advantage (DBA) Accounts grants you access to: Discounted business registration and website development services, Access to loans at reduced interest rates, Invitations to business clinics, trainings and events, the SME Zone, Access to Business debit card, Business, Partnership opportunities and grants the Bank has with the govt or private organisations.
Maintaining an average daily balance of ₦1m qualifies a customer a waiver of the fixed charges for the Basic, Growing and Established variants
Debit Card Maintenance Fee is only applicable to savings accounts (Quarterly)
Electronic Money Transfer Levy of ₦50 is charged on electronic transfer of money deposited in any bank or financial institution, on any account, on sum of ₦10,000.00 or more.

Business & Corporate Accounts Continued

Service Item

HIDA Corporate

Corporate Current

SME Gold Current

Mpower Biz

Current Account Maintenance Fee

N/A

₦1 per mille

No current account maintenance fee sub- ject to maintaining minimum balance and maximum turnover allowed

No current account maintenance fee subject to maintaining minimum balance and maxi- mum turnover allowed

Monthly Maintenance Charge

N/A

A fee of ₦1/mille will be charged (on ex- cess) if monthly turnover is exceeded, and on all transactions if minimum balance is not maintained

A fee of ₦1/mille will be charged (on excess) if monthly turnover is exceeded, and on all transactions if minimum balance is not main- tained

Account Conditions

Interest is forfeited if there is more than One (1) withdrawal per month

Maximum cumulative balance of ₦500million per account/customer

₦50,000 opening balance

Minimum daily balance- N20,000 (A breach of this condition would attract a fee of ₦1/ mille on all transactions for the month)

Maximum Debit turnover- N50m (A breach of this condition would attract a fee of ₦1/ mille in the excess turnover allowed)

Minimum daily balance- N100,000. (A breach of this condition would attract a fee of ₦1/mille on all transactions for the month)

Maximum Debit turnover- N100m (A breach of this condition would attract a fee of ₦1/mille in the excess turnover allowed)

Interest Rate (p.a)

Less than ₦51 million	0.0%
₦51m- ₦100m	0.75%
₦101m - ₦200m	1.25%
₦201m - ₦400m	1.50%
₦401m -₦500m	1.75%

N/A

Debit Card Maintenance Fee (Quarterly)

N/A

FGN Electronic Money Transfer Levy

₦50

Transactional SMS

₦4/SMS

Debit Cards

Service Item	Individual Current	Gold Current (₦)
Card Issuance – Naira Debit	₦1,000 + N75 VAT	₦1,000 + N75 VAT
Card Issuance - USD Domiciliary Acct	USD Equivalent of N1,075	USD Equivalent of N1,075
Naira Card Quarterly Maintenance Fee	₦50+ N3.75 VAT	N/A
USD Card Annual Maintenance Fee	$10	N/A
Card Re-issue/ Replacement	₦1,000 + N75 VAT	₦1,000 + N75 VAT
Withdrawals on other bank’s ATM (Re- mote-on-us)	₦35 (Charged after 3 withdrawals in a month)	₦35 (Charged after 3 with- drawals in a month)
Naira Card ATM Withdrawal (Internation- ally)	₦420	₦420
USD Card ATM Withdrawal (Internation- ally)	$3 per Transaction	$3 per Transaction

Credit Cards

Card Type

Naira (₦)

USD ($)

Service Item

Classic

Black	Gold/Platinum	Corporate

Joining Fee (Flat)

₦1,000

$1,000

$40

$100

Service Fee

₦50 (Quarterly)

$10 (Annual)

Late Repayment Fee

₦2,000

$100

$20

$100

ATM On -Us

2.50%

ATM -Not - on -Us (Local)

2.50%

ATM (Internationally)

₦420

Cash Advance On Us

₦100

$5+5%

Cash Advance Not-On-Us – Local

₦100

$5+5%

Cash Advance International

₦500+3%

$5+5%

Annual Insurance Fee

0.05% of credit limit

POS On Us

FREE

POS Not-On-Us Local

FREE

POS International

FREE

Interest Rate

POS/Web – 3.0% ATM Withdrawal – 3.5%

2.5% per month i.e. 30% per annum

Card Re-Issue

₦1,000

$25

Pin Re-Issue

FREE

Currency Conversion Rate For Purchases

3.50%

Mobile Money

Service Item

Transaction Amount Band

Flat Fee

Cardless Withdrawal Services- Agent Locations

₦100

Bill Payment At Agent Locations

₦100

Airtime Purchase On-Net At Agent Location

4.2% Of Amount Purchased

Airtime Purchase Off-Net At Agent Location

4.2% Of Amount Purchased

Cash In & Cash Out At Agent Location (Accessmoney/ Access Bank Account)

₦20,000

₦20,001- ₦250,000

₦50,001-₦100,000

₦100,001-₦250,000

₦50

₦75

₦100

Cash Out At Agent (Other Banks)

₦20,000

₦20,001- ₦250,000

₦50,001-₦100,000

₦100,001-₦250,000

₦100

₦150

₦200

Cash In At Agent Location (Other Banks)

₦20,000

₦20,001- ₦250,000

₦50,001-₦100,000

₦100,001-₦250,000

₦100

₦125

₦150

₦175

P2p Transfer At Agent Location (Other Banks)

₦20,000

₦20,001- ₦250,000

₦50,001-₦100,000

₦100,001-₦250,000

₦100

₦125

₦150

₦175

Intra-Scheme Transfer

Wallet To Wallet

All Transaction

₦50

Cash To Cash

₦20,000	₦100
₦20,001- ₦250,000	₦125
₦50,001-₦100,000	₦150
₦100,001-₦250,000	₦175

Access Money To Non-Account Holder

All Transaction

₦50

Access Money To Other Banks/ Mmos

All Transaction

₦100

Mobile Banking

Service Item

Rate

Joining Fee

NIL

Cost of Hard Token

₦2,500

Cost of Soft Token

₦1,500

Intra-bank Transfer (Access to Access)

NIL

Transfer to Other Banks (NIP: Instant Transfer)

₦5,000 & Below	₦10 + 7.5% VAT
₦5,001- ₦50,000	₦25 + 7.5% VAT
Above ₦50,000	₦50 + 7.5% VAT

Bills Payment

₦100 + 7.5% VAT

Internet Banking

(i) Retail (Individual) Internet Banking

Service Item

Rate

Joining Fee

NIL

Cost of Hard Token

₦2,500

Cost of Soft Token

₦1,500

Bill Payment

₦100

Intra-bank Transfer (Access to Access)

NIL

Transfer to Other Banks (NIP: Instant Transfer)

₦5,000 & Below	₦10 + 7.5% VAT
₦5,001- ₦50,000	₦25 + 7.5% VAT
Above ₦50,000	₦50 + 7.5% VAT

Transfer to Other Banks via NEFT- Next Day Transfer

₦5,000 & Below	₦10 + 7.5% VAT
₦5,001- ₦50,000	₦25 + 7.5% VAT
Above ₦50,000	₦50 + 7.5% VAT

Bills Payment

₦100 + 7.5% VAT

(ii) Corporate Internet Banking - Primus Plus

Service Item

Rate

Joining Fee

NIL

Cost of Hard Token

₦2,500

Cost of Soft Token

₦1,500

Bill Payment

₦100

Intra-bank Transfer (Access to Access)

NIL

FCY transfers

Handling Charge: 0.5% of the total amount being transferred. Offshore Charge: $25 per Transaction

SWIFT Charge

$15 flat per transaction.

Transfer-Salary Payment to Access Beneficiary

NIL

Transfer-Salary Payment to Other Bank Beneficiary

₦15 + (₦1.125k VAT)

Interbank Transfers (Other Payments)

₦5,000 & Below	₦10 + 7.5% VAT
₦5,001- ₦50,000	₦25 + 7.5% VAT
Above ₦50,000	₦50 + 7.5% VAT

(ii) Corporate Internet Banking (Corporate Pay)

Service Item	Rate
Transfer Cost (All Payments)	₦15 + 7.5% VAT

POS Terminals

Service Item	Rate	Rate
Joining fee	NIL	NIL
Transaction charge on POS usage	0.5% subject to a maximum of ₦1,000	MSC CHARGE: Master & Visa card - 3% American Express transactions - 5%
FGN Electronic Money Transfer Levy charges	₦50 per transaction on electric transfer of money deposited in any bank or financial institution on any account, on sums of ₦10,000.00 or more

USSD *901#

Service Item

Rate

Balance Enquiry and other enquiries

₦10 per enquiry

Transfer within Access Bank

₦20 per transaction

Transfer to Other Banks (NIP: Instant Transfer)

₦5,000 & Below	₦10 + 7.5% VAT
₦5,001- ₦50,000	₦25 + 7.5% VAT
Above ₦50,000	₦50 + 7.5% VAT

Bills Payment

₦100 + 7.5% VAT

Airtime Purchase (Self/ Others)

FREE

Personal (Individial Loans)

Service Item	Advance For School Fees	Personal Loan	Vehicle Finance	Mortgage	Asset Lease
Interest Rate (p.a.)	18%	14-24%	15–20%	15-17%	22%
Management Fee	1%	1%	1%	1%	1%
Commitment Fee	NIL	NIL	NIL	NIL	NIL
Credit Life Insurance	0.50%	0.50%	0.50%	0.50%	0.50%
Insurance (Asset Protec- tion)	NIL	NIL	Subject to prevailing rate	Subject to prevailing rate	NIL
Advisory Fee	NIL	NIL	NIL	NIL	NIL
Swift Charge	NIL	NIL	NIL	NIL	NIL
Premature Liquidation Fee	NIL	NIL	NIL	Subject to Terms & Conditions	NIL
Default Rate	1% flat on the amount due and unpaid per month

Digital Loans

Loan Type	Eligible Amount	Target Market	Tenor	Pricing	Available Channels
PayDay Loan	Inhouse Maximum of 75% of average monthly salary	Employees of Corporates	30-days or next salary payment, whichever comes first	Interest Rate: 5% (flat) Management Fee: 1% Credit Life Insurance Fee: 0.3% (All fees payable upfront)	USSD code 90111# Access More app QuickBucks website and app
PayDay Loan	Third-party Maximum of 50% of average monthly salary	Employees whose salaries are processed by Remita and Interswitch	30-days or next salary payment, whichever comes first	Interest Rate: 6% (flat) Management Fee: 1% Credit Life Insurance Fee: 0.3% (All fees payable upfront)	USSD code 90111# QuickBucks website and app
Salary Advance	Maximum of 200% of average monthly salary subject to month- ly loan repayment of 33.3%.	Employees of Corporates	6-months	Interest Rate: 3.9% (reducing balance) Management Fee: 1% Credit Life Insurance Fee: 0.7% (Fees payable upfront)	USSD code 90111# and 90111*1# QuickBucks website and app
Small Ticket Personal Loan	Maximum of 400% of average monthly salary subject to month- ly loan repayment of 33.3%.	Employees of Corporates	12-months	Interest Rate: 3.7% (reducing balance) Management Fee: 1% Credit Life Insurance Fee: 1% (Fees payable upfront)	USSD code 90111# and 90111*1# QuickBucks website and app
Device Finance	Subjected to a maximum repay- ment of 30% of obligor’s annual salary less other debt exposures.	Employees of Corporates	12-months	Interest Rate: 27% (flat) Management Fee: 1% Credit Life Insurance Fee: 1% (Fees payable upfront)	QuickBucks website and app
NYSC Loan	Maximum of 25% of average monthly salary	NYSC Corpers	30-days or allowance pay- ment, whichever comes first	Interest Rate: 5% (flat) Management Fee: 1% Credit Life Insurance Fee: 0.3% (Fees payable upfront)	USSD code 90111# Access More app QuickBucks website and app
Lending Against Turnover (LATO)	Up to 20% of trim mean average of monthly turnover between 6 months to 1-year subject to a maximum of ₦300,000 and a minimum of ₦5,000	Individual Account Holders	3 months	Interest Rate: 5% (reducing balance) Management Fee: 1% Credit Life Insurance Fee: 0.5% (Fees payable upfront)	USSD code 90111# Access More app QuickBucks website and app
LATO Premium	20% of trim mean average monthly turnover between 6 months to 1-yearsubject to a maximum of ₦500,000. Available after account age of 6-months	Sole proprietors	3 months	Interest Rate: 5% (reducing balance) Management Fee: 1% Credit Life Insurance Fee: 0.5% (Fees payable upfront)	USSD code 90111#
LATO-Mart	20% of trim mean average monthly turnover between 6 months to 1-yearsubject to a maximum of ₦5,000,000	Supermarket owners and food suppliers	3 months	Interest Rate: 4% (reducing balance) Management Fee: 1% Credit Life Insurance Fee: 0.5% (Fees payable upfront)	USSD code 90111#
Cash Backed Loan	Up to 85% of cumulative invest- ment in Access bank (subject to a maximum loan amount of ₦10,000,000)	Customers with investments in the Bank	30 days - 12 months	Applicable fees (1-2 Months) Interest Rate: 1% flat payable upfront. Applicable fees (3-12 months) Interest Rate: 1% flat earned upfront in the first 2 months. 1% payable monthly from the 3rd month on reducing balance.	USSD code 90111#
Access Agent Lending	Up to 25% of trim mean average of daily transaction volume and a minimum of 10 transactions per day in the last 30-days, subject to a maximum of ₦1,000,000 for customers processing ≥ ₦5m in transaction volume and ₦500,000 for customers processing ≤ ₦5m in transaction volume.	Access Banking CLOSA Agents	24-hours	Interest Rate: 0.5% flat Management Fee: 0.5% Credit Life Insurance Fee: 0.2% Cash in Store Insurance: 0.45% Cash in Transit Insurance: 0.25% (All fees payable upfront)	USSD code 90111#

Emerging Businesses Assets Propositions

Features	Cashflow Lending	Instant Business Loan	Medi Loan	School Loan	Loyalty Lending	Hospitality Lending	Term Loans	Overdraft	Asset Finance
Interest Rate (P.A.)	Male owned businesses - 27% Female owned businesses - 15%	4% per month	23%	28% 2% price concession for Female owned schools	28%	27%	24 -28%	26 - 30%	27%
Management Fee	1%	1%	1%	1%	1%	1%	1%	1%	1%
Advisory Fee	1%	1%	1%	1%	1%	1%	1%	1%	1%
Credit Life Insurance	0.45%	0.90%	0.45%	0.45%	0.45%	0.45%	0.45%	0.45%	0.45%
Tenor	12 Months for working capital and 36 Months for assets finance	6 Months	12 Months and max. of 60 Months de- pending on the loan amount	12 Months	12 Months	24 Months max.	12 Months	12 Months	36 Months max
Penal Charge On Default	1% flat per month on unpaid instalment
Repayment	Principal and Interest to be serviced monthly

Letter Of Credit - Import

Service Item	Rates
Processing and Registration of Form M	₦3,000 + 7.5% VAT (subject to concession)
Processing and Registration of Form M (CBN Recovery fee for use of e-Form M platform)	₦5,000
Issuance Fee	1% of LC value subject to concession
Swift Charge	₦2,500
VAT	7.5% OF LC Commission
Amendment	₦4,650 (Commission: N2,000, Swift Charge: ₦2,500, VAT on commission 7.5%: N150)
Letter of Credit Cancellation	₦7,875 (Commission: N5,000, Swift charge: ₦2,500, VAT on commission 7.5%: ₦375)
Discrepancy Fee	₦7,875 (Commission: N5,000, Swift charge: ₦2,500, VAT on commission 7.5%: ₦375)
Pre negotiation charge	6%
Post negotiation charge	10%

Letter Of Credit - Export

Service Item	Rates
Processing and Registration of NXP	₦5,000 CBN charge + ₦3,000 Commission + 7.5% VAT (subject to concession)
Document Handling Charge/Negotiation Fee	0.15% of Document value (Courier fee is to be determined by the weight of the document and the distance to the place of destination)
Advising Commission: Where a Nigerian Bank simply verifies the authenticity of the credit and delivers same	₦2,000 + 7.5% VAT
Advising Commission: Where a Nigerian Bank must rewrite the credit	NIL
Confirming Commission	1% of LC value subject to a minimum of ₦5,000
Courier Fee	Exact cost of courier
Telex Fee	₦N2,500
Amendment	₦2,000 + 7.5% VAT
Transferring Commission	NIL

Form ‘M’ Charges

Service Item	Rates
Form M commission	₦3,000
VAT on commission (7.5% of comm.)	₦225
E-form M processing fee (CBN charge)	₦5,000
Total Form M Charges	₦8,225
Confirming Commission	NIL

Foreign Funds Transfers

Service Item	Dollars (USD)	Pounds (GBP)	Euro (EUR)
Commission Charges	0.5% Of The Dollar Value	0.5% Of The Pounds Value	0.5% Of The Euro Value
Vat (On Commission/ Handling Charge)	7.5% Of The Commission Value	7.5% Of The Commission Value	7.5% Of The Commission Value
Swift Charge	15 USD	11 GBP	13 EUR
Offshore Charge	25 USD	15 GBP	20 EUR
PTA/ BTA	NIL

Bonds & Guarantees

Service Item	Rates
Bid/Tender Bonds (Bid Security)	Negotiable, subject to a maximum of 1% of the Bond value for the first year and 0.5% on subsiquent years on contingent liabilities
Performance Bonds (chargeable from date of contingent liability)	Negotiable, subject to a maximum of 1% of the Bond value for the first year and 0.5% on subsiquent years on contingent liabilities
Advance Payment Guarantee (chargeable from date of contingent liability)	Negotiable, subject to a maximum of 1% of the APG value for the first year and 0.5% on susiquent years on contingent liabilities Note: Fees shall be charged based on the value of Advance Payment received by the bank
Bank Guarantee	Negotiable, subject to a maximum of 1% of the Guarantee value for the first year and 0.5% on subsequent years on contingent liabilities
Other Bonds & Guarantees	Negotiable, subject to a maximum of 1% of the value of the first years and 0.5% on subsiquent year on contingent liabilities

Form ‘A’ Charges

Service Item	Dollars (USD)	Pounds (GBP)	Euro (EUR)	Naira (₦)
PTA/BTA School Fees (No Commission Charges)	CBN Charge per e-form A: N5000
PTA/BTA School Fees (No Commission Charges)	Dollars (USD) Offshore: $25 Telex: $15 CBN Charge per e-form A: ₦5000	Pounds (GBP) Offshore: £12 Telex: £10 CBN Charge per e-form A: ₦5000	Euro (Eur) Offshore: EUR15 Telex: EUR 11 CBN Charge per e-form A: ₦5000	Naira (₦) Offshore: ₦10,500 Telex: ₦5,700 CBN Charge per e-form A: ₦5000
Medical Fees/ Medical Allowances (No Commission Charges)	Offshore: $25 Telex: $15	Offshore: GBP12 Telex: GBP10	Offshore: EUR15 Telex: EUR11	Offshore: ₦10,500 Telex: ₦5,700
Medical Fees/ Medical Allowances (No Commission Charges)	CBN Charge per e-form A: ₦5000
Others (Course Fees, Personal Home Remittances, Software, Loan Repayment, Mortgage, Management fees, Demurrage etc)	Commission Charges: 0.5% of the Dollar value Offshore: $25 Telex: $15	Commission Charges: 0.5% of the Pounds value Offshore GBP12 Telex: GBP10	Commission Charges: 0.5% of the Euro value Offshore: EUR15 Telex: EUR11	Commission Charges: 0.5% of the Naira value Offshore: ₦10,500 Telex: ₦5700
	CBN Charge per e-form A: ₦5000

Export Charges (Form NXP)

Service Item	Rate
E-Form NXP processing fee (CBN Charge)	₦5,000
Commission	₦3,000
VAT on commission	(7.5% of comm.) – ₦225
(CBN charge)	₦5,000
Total NXP Charges	₦8,225
Courier Fee	Exact cost of courier
Transferring Commission	NIL

Bills For Collection

Service Item	Rate
Documentary Bill (Commission)	0.5% of Remittance value (If the customer does not have concession)
Swift Charge	₦2,500
VAT on commission	7.5% on Commission
Holding Charge - Below N25,000	NIL
Holding Charge - Above N25,000	NIL
Negotiation	NIL
Protest Charge plus Notary Public Fee	NIL
Transferring Commission	NIL

Others

Service Item	Rate
Salary Processing	Normal transfer charges
Bank Draft- Current Account	₦300 + (₦22.50K VAT)
Bank Draft- Savings Account	₦500 + (₦37.50K VAT)
Bank Draft - Non-Customer	₦500 + 0.1% of draft value
Banker's Signature Verification	₦500 per copy + (₦37.50k VAT)
Standing Order (Access -to- Access)	₦300 + (₦22.50K VAT)
Standing Order (Other banks)	Maximum of ₦50 per transaction
Printing of Statement	₦20 per page + (₦1.50k VAT)
Reference Letter	₦500 per copy + (₦37.50k VAT)
Status Enquiry Letter	₦500 per request
Confirmation of Overseas Enquiries to correspondent Bank/ Agencies	₦500 + cost of postage (If applicable)
Chequebook (25 leaves)	₦750 + ₦56.25 VAT
Chequebook (50 leaves)	₦1,500 + ₦112.5 VAT
Chequebook (100 leaves)	₦3,000 + ₦225 VAT
Counter Cheque	₦50 per leaflet + ₦3.75 VAT
Stopped Cheque Charge	₦500 + (₦37.50k VAT)
Returned Cheque Charge (Due to the account being unfunded)	1% of amount or ₦5,000, whichever is higher
RTGS	₦950 + ₦71.25 VAT

XclusivePlus

Service Item	Rate	Rate
Subscription/Renewal Fee	Monthly Plan	₦5,999 + ( ₦449.93K VAT)
	Quarterly Plan	₦17,997 + (₦1,349.78K VAT)
	Annual Plan	₦57,590 + (₦4,319.25K VAT)
Visa Signature Debit card	Card Transactional Limits
	Issuance Fee	Free (First Issuance only)
	ATM Daily Limit (Local)	₦200,000
	POS Daily Limit (Local)	₦2,000,000
	Web Daily Limit (Local)	₦1,000,000
	POS/Web Monthly Limit (Int’l)	$3,000
	ATM Daily Limit (Int’l)	$300
	International ATM Cash With- drawal Fee	₦420 per withdrawal

NOTES:

Clients can select their preferred payment plan for XclusivePlus offering. Subscription fees can be paid on a monthly, quarterly or annual basis. The payment will be debited from their account on the selected payment date
Clients enjoy a 20% discount when they choose the yearly payment plan. Hence, they pay
₦ 72,229.68, instead of ₦ 90,287.10 (₦83,988 + VAT ₦ 6299.1)

Health Xtra

Service Item	Rate
Subscription Fee (Annual)	₦6,000

NOTES

The age limit for this plan is 60 years.
Enrolment Process: Customer completes the registration form and sends completed form to the any Access Bank branch or scans to Access Bank Contact Centre. Customer is contacted by Hygeia for enrolment.