Fee Schedule
In an effort to promote transparency, we are publishing our “Fee Schedule” for the convenience of our customers, effective as of January 1st, 2024.
*Fees include taxes
Note: Special fees apply for 65+ customers for our Resident Personal accounts and Resident ATM-only accounts
current account fees
| Account | AWG. Account | Foreign currency account |
|---|---|---|
| Personal accounts | 10.00 per month | 10.00 per month in foreign currency |
| ATM only accounts | 10.00 per month |
10.00 per month in foreign currency |
| Corporate accounts | 25.00 per month 20.00 per month for Non-Profit Organizations |
25.00 per month in foreign currency 20.00 per month in foreign currency for Non-Profit Organizations |
| Platinum current accounts | 12.50 per month |
12.50 per month in foreign currency |
| Non-Resident accounts (Corporate) Non-Resident accounts (Personal) |
40.00 per month 37.10 per month |
40.00 per month in foreign currency 37.10 per month in foreign currency |
Deposits
| Account/Service | AWG. Account | Foreign Currency Account |
|---|---|---|
| Cash Deposits (updates as of January 1, 2024) |
8.00 (from 5.00) |
1.00% when in foreign currency, min 8.00 (from 1.25% in foreign currency, min 7.50) |
| Cash Deposits Pensioner | 4.00 | |
| Cash deposit at teller by Corporate client (updates as of January 1, 2024) |
1/2% with a minimum of 8.00 (when in local currency) 1.00% with a minimum of 8.00 (when in foreign currency) (from 1.25% with a minimum of 7.50 and a maximum of 37.50) |
1.00% when in foreign currency, min 8.00 (from 1.25% when in foreign currency, min 7.50) |
| Safety Deposit Box | Min. 84.80 max. 355.10 depending on size/per year | Min. 84.80 max. 355.10 depending on size/per year |
| Night Deposit (updates as of January 1, 2024) |
5.00 per transaction (from 3.00 per transaction) 65.00 per 100 pieces bags |
5.00 per transaction (from 3.00 per transaction) 65.00 per 100 pieces bags |
INSUFFICIENT FUNDS/OVERDRAFT FEE/LATE PAYMENT
| Account/Service | AWG. Account | Foreign currency account |
|---|---|---|
| Retail overdraft annual renewal | 3% min. 53.00 (*min. 50.00) | 3% min. 53.00 (*min. 50.00) |
| Corporate overdraft annual renewal | 1.07% | 1.07% |
| Individual unauthorized overdrawn balance | 18% of overdrawn balance | 18% of overdrawn balance |
| Corporate unauthorized overdrawn balance | 18% of overdrawn balance | 18% of overdrawn balance |
|
Retail and Corporate late payment fees on loans: (updates as of February 7, 2024) Personal Loan and Car Loan Individual Mortgage and Home Equity Loans Corporate Term Loan, Term Loan (Mortgage Backed), and Mortgage Loans |
18% of past-due principal amount, with a minimum of 107.00 |
80.25 per past-due installment 160.50 per past-due installment 18% of past-due principal amount, with a minimum of 107.00 |
ATM/DEBIT CARD FEES
| Account/Service | AWG. Account | Foreign currency account |
|---|---|---|
| ATM card replacement | 26.50 per card | N/A |
E-BANKING
| Account/Service | AWG. Account | Foreign currency account |
|---|---|---|
| Withdrawal at other ATM | 4.77 per withdrawal | 4.77 per withdrawal |
| Inquiry at other ATM | 0.48 per inquiry | 0.48 per inquiry |
| Online Banking Corporate Account | 0.00 per month (from 8.83 per month - now included in Corporate Administration fee) |
0.00 per month (from 8.83 per month - now included in Corporate Administration fee) |
| *Non-resident (f.e. tourists) card holder debit/credit card usage | AWG. 9.54/ US 5.30 per withdrawal at any Aruba Bank ATM | AWG. 9.54/ US 5.30 per withdrawal at any Aruba Bank ATM |
SWIFT TRANSFERS
| Account/Service | AWG. Account | Foreign Currency Account |
|---|---|---|
| Internal (incoming SWIFT) | For deposit on AWG. Account (per transfer*) - Bank Commission AWG. 10.00 - Correspondent Charges AWG. 18.00 (if the amount received in USD.) - Correspondent Charges EUR. 10.00 |
For deposit on Foreign Currency Account (per transfer*) USD: - Bank Commission 0.25% with min. USD. 6.00, max. 100.00 - Correspondent Charges USD. 10.00 EUR: - Bank Commission 0.25% with min. AWG. 5.00, max. 100.00 - Correspondent Charges EUR. 10.00 |
| External (outgoing SWIFT) |
- .125% with min. AWG. 25.00, max. 750.00+35.00+USD 10.00 or EUR 10.00 *
When transfer is conducted using Aruba Bank Online or Aruba Bank App - .125% with min. AWG. 25.00, max. 750.00+45.00+USD 10.00 or EUR 10.00 + AWG 10.00 When conducted via paper transfer forms or teller at Aruba Bank |
- .125% with min. AWG. 25.00, max. 750.00+35.00+USD 10.00 or EUR 10.00 (or counter value in foreign currency) * When transfer is conducted using Aruba Bank Online or Aruba Bank App - .125% with min. AWG. 25.00, max. 750.00+35.00+USD 10.00 or EUR 10.00 +AWG 10.00 When conducted via paper transfer forms or teller at Aruba Bank |
| Urgent Fee (after cut-off time) (updates as of December 1, 2022) |
AWG. 50.00 (from 25.00)* |
AWG. 50.00 (from 25.00)* |
| Non-Sufficient Funds fee (manual instruction) (updates as of December 1, 2022) |
AWG. 25.00 (from 26.50)* | AWG. 25.00 (from 26.50)* |
LOCAL TRANSFERS
| Account/Service | Self Service options available: Online Banking/ Aruba Bank App/ Smart Deposit Machine/ Customer Service Kiosk | Manual paper transfer forms or transfer via Aruba Bank Tellers |
|---|---|---|
| Local Transfers (updates as of December 1, 2022)* |
Free of charge Online Banking/ Aruba Bank App/ Customer Service Kiosk |
From individual CIF
- 5.00 for next-day processing (from 3.00)* From business CIF - 15.00 for next-day processing (from 10.00)* From individual 65+ account CIF - 2.00 for next-day processing (from 1.00)* - 50.00 for immediate processing (from 25.00)* |
| Corporate (Business) Customers - Transfer to Other Local Banks (updates as of February 15, 2023)* |
AWG 0.80 per transaction | |
| Utility Bill Payment for electricity, water, telephone | Free of charge Online Banking/ Aruba Bank App/ Smart Deposit Machine/ Customer Service Kiosk |
- 5.00 per bill payment |
| Standing Order (updates as of December 1, 2022)* |
Free of charge | - 2.00 (from Free)* Between accounts of the same client (within Aruba Bank) - 2.00 (from Free)* Between two different clients (within Aruba Bank) - 4.00 to other local banks - (from Min. 0.00, max. 3.18* per order)* - 15.00 Set-up fee for new standing order incl. cancellation* - 7.50 Amendment fee* - 25.00 (from 26.50) Non-Sufficient Funds fee (automated after 5x tries)* |
MISCELLANEOUS FEES
| Account/Service | AWG. Account | Foreign currency account |
|---|---|---|
| Cash withdrawal at the teller (updates as of January 1, 2024) |
8.00 (residents), 15.00 (non-residents) 4.00 (65+) (from 5.00 (all customers), 2.00 (65+)) |
8.00 (residents), 15.00 (non-residents) 4.00 (65+) (from 7.50 (residents), 12.50 (non-residents)) |
| Stop Payment Orders | 25.00 | 25.00 in foreign currency |
| Dormant Account | 15.90 per year | 15.90 per year in foreign currency |
| Account Statement, hard copy | 4.00 per statement | 4.00 per statement |
| Account Statement 65+, hard copy | 2.00 per statement | 2.00 per statement |
| Copy of Account Statement | per page | 10.60 |
| Foreign Bank Check Deposit | 10.00 per check |
10.00 per check |
| Audit Confirmation | 107.00 per confirmation | 107.00 per confirmation |
| Letter of Recommendation | 26.50 per letter | 26.50 per letter |
| Voucher Search | Min. 26.50 | Min. 26.50 |
| Foreign Exchange Sale (updates as of January 1, 2024) |
8.00 (from 7.50 per sale) |
8.00 (from 7.50 per sale) |
| Exchange of paper & coins (updates as of January 1, 2024) |
1.25%, min 8.00 – max 50.00 | 1.25%, min 8.00 – max 50.00 |
| Issue Cashier-Check in US$ (updates as of July 1, 2021) |
Bank Commission 1.00% min AWG 100.00, and max AWG 1,000.00 • Check Fee AWG 15.00 • Correspondent Charges US$ 15.00 ** government tax of 1.3% of amount + 0.25% Foreign Exchange Fee Applicable. |
Bank Commission 1.00% min AWG 100.00, and max AWG 1,000.00 • Check Fee AWG 15.00 • Correspondent Charges US$ 15.00 ** government tax of 1.3% of amount + 0.25% Foreign Exchange Fee Applicable. |
|
Stop Payment Cashier-Check in US$ (updates as of July 1, 2021) |
AWG. 45.00 • Plus minimum US$ 40.00 correspondent charges |
AWG. 45.00 • Plus minimum US$ 40.00 correspondent charges |
| Cancel Cashier-Check in US$ (updates as of July 1, 2021) |
AWG. 35.00 | AWG. 35.00 |
| Recall Internal/ Outgoing/ Incoming Local Transfers (updates as of December 1, 2022) |
AWG. 25.00 (from 26.50)* | AWG. 25.00 (from 26.50)* |
| Direct Debit File Fee | AWG. 26.50 | AWG. 26.50 |
| Direct Debit fee per transaction (updates as of December 1, 2022) |
AWG. 1.60 (from 1.59)* | AWG. 1.60 (from 1.59)* |
Notes:
- *As per February 15th, 2023, transactions to other local banks for Aruba Bank Corporate (business) customers, will be AWG. 0.80 per transaction.
- **Please note that Government taxes are applicable for all transactions from resident to non-resident and foreign exchange fees for all transactions in foreign currency.
- All fees, commissions, interest and/or costs are subject to change at the Bank’s discretion.
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