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Réseau CCP au Togo/Tous les bureaux de poste-Réseaux correspondants à l’étranger :National Bank of Canada-Postfinance suisse-Banque postale de France-Financial post Belgique-Hellenic post grèce-Banca popolare di sandrio Italie-Al Barid Bank maroc-Banco bilbao d’Espagne-Deutsche postbank Allemagne-Bawag p.s.k.bank Autriche.
CONDITIONS CREDITRICES
| RUBRIQUES | TARIFS |
| Dépôt pour ouverture de compte courant (Personne Physique) |
10 000F |
| Dépôt initial pour ouverture de compte courant (Personne Physique) | Gratuit pour les salariés ayant un revenu permanent |
| Dépôt initial pour ouverture de compte courant avec domiciliation de revenus (Retraités, Forces de sécurité, Religieux) |
Gratuit |
| Dépôt initial pour ouverture de compte courant (Personne Morale) |
25 000F |
| Taux d'intérêt pour compte d'épargne | 3,5% l’an net d'impôts avec une Capitalisation annuelle au 31décembre et un plafond réglementaire de 10 millions F |
| Dépôt initial pour ouverture de compte épargne SECURITIS (Personne Physique) | 5 000F |
| Dépôt initiai pour ouverture de compte épargne SECURITIS (Personne Morale) |
25 000F |
| Dépôt initial pour ouverture de compte épargne à terme SECURITIS PLUS | 10 0000F |
| Compte d'épargne à terme SECURITÏS PLUS |
Des conditions préférentielles de taux et de durée sont négociables au moment du contrat |
AUTRES FRAIS ET COMMISSIONS
| RUBRIQUES | TARIFS |
| Frais de tenue de compte pour un compte chèque (Personne Physique) |
1 000 F TTC par mois |
| Frais de tenue de compte pour un compte chèque (Forces de sécurité) |
500 F TTC par mois |
| Frais de tenue de compte pour un compte chèque (Personnel SPT) |
750 F TTC par mois |
| Frais de tenue de compte pour un compte courant (Personne Morale) |
3 300 F TTC par mois |
| Frais de gestion de compte pour un compte d'épargne SECURITIS |
1 000 F TTC par an sur les intérêts créditeurs |
| Frais d'ouverture de compte (Fonctionnaires, salariés privés, retraités, élèves étudiants) |
Gratuit |
| Frais d'ouverture de compte Autres personnes physiques |
3.500FTTC |
| Frais d'ouverture de compte (Personne Morale) |
10 000 F TTC |
| Retrait aux guichets du centre CCP et dans les bureaux de Lomé |
150 F+ TAF/opération |
| Retrait aux guichets des bureaux de poste de l'intérieur du pays |
150 F TAF/opération |
| Demande d’avoir au guichet | 300 F+ TAF |
| Frais pour chèque de guichet | 500 F+ TAF |
| Frais de dossier de prêt | 5 500 à 7 000 F + TAF selon le type de prêt |
| Mise à disposition de carnet de 25 chèques | 3 180 F TTC |
| Mise à disposition de carnet de 50 chèques | 4 450F TTC |
| Frais de clôture de compte | 10 000 F t TAF |
| Pénalités pour chèque CCP interne sans provision | 5 500 F + TAF |
| Changement d'adresse, d'intitulé ou de signature |
1 000 F + TAF |
| Certification de chèque | 10 000 F + TAF |
| Attestation de non engagement | 15 000 F + TAF |
| Frais de mandat de versement ordinaire sur compte courant |
150F + TAF |
| Frais d'impayés VO pour insuffisance de provision | 5 500 F + TAF |
| Frais de demande de saisie arrêt | 1 000 F + TAF (à verser au guichet) |
| Attestation de compte (compte d'épargne avec un solde minimum exigé de 500.000 F) |
20 000 F TTC |
| Attestation de compte (compte courant) | 20 000 F TTC |
| Relevé d'identité postal et Autre Attestation | 5 000F + TAF |
| Demande d'opposition sur compte (Personne Physique) |
10 000 F + TAF |
| Demande d'opposition sur compte (Personne Morale) |
16 500 F + TAF |
| Demande d'opposition au paiement chèque |
7 000F+TAF |
| Edition de relevé de compte (Historique) | 1 500 F+TAF/pageSi nombre de pages inférieur à 2 et 1 000F +TAF au-delà |
| Extrait journalier | 500F + TAF |
| Abonnement à la notification d'avoir | 5 000 F + TAF/mois |
| Confirmation de solde | 18 000 F + TAF |
| Création d'un dossier de virement d'office VO |
5 500 F + TAF |
| Frais d’annulation ou de clôture de virement d'office VO |
1 500 F + TAF |
| Frais de remboursement anticipé de prêt | 5 500 F + TAF + (5du solde restant dû) |
| Frais de remboursement anticipé e prêt pour le personnel SPT |
Gratuit |
| Frais de recherche | 2 500 F + TAF + 500 F TAF/doc de photocopie |
| Demande de blocage de compte | 5 000F + TAF |
| Frais d’impayé chèque CCP reçu de la compensation | 7 500F + TAF |
| Chèque CCP refusé pour insuffisance de provision (par lettre d'injonction) | 4 000 F + TAF |
| Chèque CCP refusé pour insuffisance de provision (par certificat de non. paiement) | 8 500 F + TAF |
| Chèque CCP refusé pour insuffisance de provision (par constitution de provision bloquée affectée/chèque) |
9 000 F + TAF |
| Frais sur chèque confrère impayé | 7 500F + TAF |
| Droit de succession | 30 000 F + 0,5% du montant +TAF |
| Collecte de fonds | Taux librement fixé entre parties |
VIREMENTS
| RUBRIQUES | TARIFS |
| Virement Interbancaire client CCP (Jusqu'à 100.000F) | 600 F + TAF |
| Virement Interbancaire client CCP (De 100 001 à 500.000 F) | 2 500 F + TAF |
| Virement Interbancaire client CCP (De 500 001 à 1 000 000 F) | 5 000 F + TAF |
| Virement Interbancaire client CCP (De1 000 001 à 2 000 000F) | 10000F + TAF |
| Virement Interbancaire client CCP (De 2 000 001 à 5 000 000 F) | 15 000F + TAF |
| Virement Interbancaire client CCP (Plus de 5 000 000 F) | 20 000F + TAF |
| Virement Interbancaire Autres clients (Jusqu'à 100 000 F) | 1000F + TAF |
| Virement Interbancaire Autres clients (De 100 001 à 500 000 F) | 5 000 F + TAF |
| Virement Interbancaire Autres clients (De 500 001 à 1 000 000 F) | 1.0 000F+ TAF |
| Virement Interbancaire Autres clients (de l 000001 2 000 000 F) | 20 000F + TAF |
| Virement Interbancaire Autres clients (de 2 000 001 à 5 000 000 F) | 30 000 F + TAF |
| Virement Interbancaire Autres clients (Plus de 5 000 000 F) | 50 000F+TAF |
| Virements d'office | 600F + TAF |
| Virement interne compte à compte | Gratuit |
| Remise de chèque à l’encaissement | Gratuit |
| Virement de salaire sans disquette | Gratuit |
| Virement de salaire avec disquette | Gratuit |
TRANSFERTS INTERNATIONAUX (VSOT, POSTGIRO) ET CHANGE
| RUBRIQUES | TARIFS |
| Transferts émis Zone UMOA : Montant jusqu'à 5 000 000 F |
10.000F + TAF |
| Transferts émis Zone UMOA: Montant : De 5000001 à 10 000 000F |
15 000F + TAF |
| Transferts émis Zone UMOA : Montant : Plus de 10 000 000 F |
20 000 F (Fixe) + 2% du montant + TAF+TTHUR |
| Transferts émis Zone Hors UMOA | - |
| Transferts émis Zone Franc et Zone EURO : Montant : Jusqu'à 10 000 000 F | 26 000 F (Fixe) +1.5% du montant + TAF +TTHUR |
| Transferts émis Zone Franc et Zone EURO : Montant ; Plus de 10 000 000 F | 26 000 F (Fixe) + 2% du montant + commission de change + TAF+TTHUR |
| Transferts émis Hors Zone Franc et Hors Zone EURO : Montant : Jusqu'à 10 000 000 F |
26 000 F (Fixe) +2,5% du montant + commission de change + TAF +TTHUR |
| Virement postai ordinaire (VP) | 7 000 F (Fixe) +1,5% du montant +TAF |
| Transferts reçus Zone UMOA, Zone Franc et Zone EURO |
- |
| Transferts reçus : Montant Jusqu'à 500 000F |
5 000 F+TAF |
| Transferts reçus : Montant De 500 001 à 1 000 000F |
1 0000 F+TAF |
| Transferts reçus : Montant Plus de 1 000 000 F |
15 000 F + TAF |
| Transferts reçus Hors Zone UMOA, Hors Zone Franc et Hors Zone EURO |
- |
| Transferts reçus : Montent Jusqu'à 500 000 F |
6 000 F + TAF |
| Transferts reçus .Montant De 500 001 à 1 000 000F |
12 500 F + TAF |
| Transferts reçus : Montant Plus de 1 000 000 F |
17500 F + TAF |
| Transfert de fonds international POSTGIRO (Délai : 72 H) | 26 000 F + Taux négociable an fonction du montant et de la destination |
| Commission de change de devise EURO (achat) pour montant < 50 EUR |
1% du montant |
| Commission de change de devise EURO (achat) pour montant >50 EUR |
Gratuit |
| Commission de change de devise EURO (vente) |
2% du montant |
| Commission de change de devise USD (Achat/Vente) | Cours du jour (+/-) 10 points |
TAF :10% à reverser à l’Etat
TTHUR : 0,6% du montant à reverser à la BCEAO
TRANSFERTS INTERNATIONAUX (VSOT, POSTGIRO) ET CHANGE
| RUBRIQUES | TARIFS |
| Transfert émis Zone UMOA : ontant jusque 5 000 000 F | 10 000 F + TAF |
| Transfert émis Zone UMOA : Montant : De 5 000 001«10 000 000F | 15 000 F + TAF |
| Transferts émis Zone UMOA : Montant : Plus de 10 000 000 F | 20 000 F + TAF |
| Transferts émis Zone Hors UMOA | - |
| Transferts «mis Zone Franc et Zone EURO : Montant : Jusqu'à 10 000 000 F | 26 000 F (Fixe) + 2% ou montant +TAF |
| Transferts émis Zone Franc et Zone EURO : Montant : Plus de 10 000 000 F | 26 000 F (Fixe) +1,5% du montant + TAF |
| Transferts émis Hors Zone Franc et Hors Zone EURO : Montant : Jusqu'à 10 000000 F | 26 000 F (Fixe) + 2,5% du montant +commission de change +TAF |
| Transferts émis Hors Zone Franc et Hors Zona EURO : Montant,- Plus de 10 000 000 F | 26 000 F (Fixe) + 2% du montant +commission de change +TAF |
| Virement postal ordinaire (VP) | 7 000 F (Fixe) + 1,5% du montant + TAF |
| Transferts reçus Zone UMOA, Zone Franc et Zone EURO | - |
| Transferts reçus : Montant - Jusqu'à 500 000 F | 5 000 F+TAF |
| Transferts reçus : Montant –De 500 001 à 1 000000F | 1 0000 F + TAF |
| Transfert reçus : Montant - Plus de 1 000 000 F | 15 000 + TAF |
| Transferts reçus Hors Zone UMOA, Hors Zone Franc et Hors Zone EURO | - |
| Transferts reçus : Montant - Jusqu'à 500 000 F | 6 000 + TAF |
| Transferts reçus : Montant - De 500 001 a 1 000 000 F | 12 500 F + TAF |
| Transferts reçus : Montant- Plus de 1 000 000 F | 17 500 F + TAF |
| Transfert da fonds international POSTGIRO (Délai : 72 H) | 26 000 F + Taux négociable en fonction du montant et de la destination |
| Commission de change de devisa EURO (achat) pour montant < 50 EUR | 1 % du montant |
| Commission de change de devise EURO (achat) pour montant > 50 EUR | Gratuit |
| Commission de change de devise USD (Achat/Vente) | Cours du jour (+/-) 10 points |
TAF : 10% à reverser à l’Etat