Service fees

Service

 Fee

Account management and identification

Opening and closing of the account in the system

 Free of charge

Opening and closing of the account at the branch

 Free of charge

Account maintenance

 Free of charge

Opening and closing of the Additional account in the system

 Free of charge

Opening and closing of the Additional account in the branch

 Free of charge

Additional account maintenance

 € 0.79 / month

 

Client identification

Client identification at the branch

 Free of charge

Client identification in the Systems:

By sending the documents via e-mail or in the system

 Free of charge

Via e-mail

 Free of charge

 

Preparation of letters and documents about the accounts

The generating of the account statement in the System over the internet

 Free of charge

The provision of the account statement via e-mail or by arriving to the Branch:

Account statement up to 15 pages, signed and sealed by "NEO Finance"

 € 9.99*

"NEO Finance" written confirmation of the performed transfer (1 page)

 € 4.99*

Transfer copy signed and sealed by "NEO Finance" (1 page)

 € 4.99*

Certificate regarding opened accounts and balances, signed and sealed by "NEO Finance"

 € 9.99

Certificates regarding "NEO Finance" granted ir returned loans 

 € 9.99

Other certificates or letters

 € 9.99

 

Sending of letters, documents

Via registered mail

 Depends on charges of post and delivery companies

 

The fees for the services of the movement of funds in the account

The price of a single information message

When sending via e-mail

 Free of charge

When sending a text message (SMS)

 Free of charge

 

Fees of transfers

"NEO Finance"

 Free of charge

Simple transfer for individuals:

For investors

 € 0.29

For loan recipients

 € 3.99

Simple transfer for legal persons

 € 0.15 (from 01/07/2023 € 0.23**)

Simple transfer for VIP clients

 Free of charge

Payment cancelation  Free of charge
Payment traceability process  Free of charge

*Each additional page costs 0.5 euro

** The rate may change in cases of separate agreements

Terms of services

Service Term

Spending/emission of electronic money

1 business day

Buyout of electronic money

1 business day

"NEO Finance" makes all the effort that services would be provided to the clients as soon as possible

Inactive account fee (applicable from 01.03.2022)
For natural person € 0.99** / month.
For legal entities € 2.99** / month

** Additional accounts will be free of charge for VIP investors, FinoMark and Neopay clients according to the following procedure: VIP Silver members – 1 free additional account; VIP Gold members – 2 free additional accounts; VIP Platinum members – 3 free additional accounts; Finomark clients – 1 free additional account. Neopay clients – unlimited number of free additional accounts.

Payable surety of provision fund pricing:

! 
From 2021.04.12 10 am., NEO Finance offers new Buyback pricing for new A+ rated loans. If the A+ rating loan issued after this date becomes insolvent (default) and the agreement with the borrower is terminated: A+ investments will be automatically purchased by NEO Finance for 100% of the remaining part of the credit.

Important: The provision fund is no longer available for investments made from 1 March 2022. The terms and conditions of the service only apply to investments made with the provision fund before 1 March 2022.

Rate

Maturity

Provision fund fee
*A+ until 2021.04.12

A+

3

0,23%

A+

6

0,46%

A+

12

0,92%

A+

24

1,50%

A+

36

2,22%

A+

48

2,93%

A+

60

3,63%

A+

72

4.32%

A+

84

4,98%

A+

96 5,64%

A+

108 6,30%

A+

120 6,69%

A

3

0,44%

A

6

0,87%

A

12

1,73%

A

24

2,78%

A

36

4,10%

A

48

5,36%

A

60

6,58%

A

72

7,75%

A

84

8,87%

A

96 9,96%

A

108 11,00%

A

120 12,01%

B

3

1,20%

B

6

2,37%

B

12

4,62%

B

24

7,18%

B

36

10,24%

B

48

13,00%

B

60

15,48%

B

72

17,71%

B

84

19,72%

C

3

2,10%

C

6

4,11%

C

12

7,85%

C

24

11,76%

C

36

16,19%

C

48

19,86%

C

60

22,91%

C

72 25,44%

 

Investment Sales coëfficients when the consumer credit agreement is terminated****
! 
From 2021.04.12 10 am., NEO Finance offers new Buyback pricing for new A+ rated loans. If the A+ rating loan issued after this date becomes insolvent (default) and the agreement with the borrower is terminated: A+ investments will be automatically purchased by NEO Finance for 100% of the remaining part of the credit.

C- investments cannot be sold.

Offer expiration date

For all and VIP investors

For all investors

For VIP investors

Coëfficient for A+ agreements

from 2021.04.12

Coëfficient for A+ until 2021.04.12 and A rating

Coëfficient for B rating

Coëfficient for C rating

Coëfficient for A+ until 2021.04.12 and A rating

Coëfficient for B rating

Coëfficient for C rating

1-3

1

0.70

0.60

0.50

0.80

0.70

0.60

4

1

0.65

0.55

0.45

0.75

0.65

0.55

5

1

0.60

0.50

0.40

0.70

0.60

0.50

6

1

0.55

0.45

0.35

0.65

0.55

0.45

7

1

0.50

0.40

0.30

0.60

0.50

0.40

8-30

1

0.45

0.35

0.25

0.55

0.45

0.35

****NEO Finance have the right to unilaterally change the above-mentioned coëfficients in the following cases: i) When the investment contract is concluded on or before 2022-12-14, not less than 6 months before the entry into force of the updated rates, the future coëfficient values and the effective date are published in this pricing; ii) When the investment contract is concluded on or after 2022-12-15, not less than 14 calendar day before the entry into force of the updated rates, the future coëfficient values and the effective date are published in this pricing.

 

New sales coëfficients with effect from 14/09/2023 or 01/03/2024*****

Offer expiry date

 For all and VIP investors

For all investors

For VIP investors

Coëfficient for A+ agreements
from 2021.04.12

New coëfficient for A+ (for investments concluded before 12.04.2021 ) A, B, C ratings (all investors)

 New coëfficient for A+ (for investments concluded before 12.04.2021 ) A, B, C ratings (VIP investors)

1-3

1

0.50

0.55

4

1

0.45

0.50

5

1

0.40

0.45

6

1

0.35

0.40

7

1

0.30

0.35

8-30

1

0.25

0.30

***** If you enter into an investment agreement with NEO Finance after 01.03.2023, the new coëfficients for funded loans will apply from 14.09.2023 and if you enter into an investment agreement with NEO Finance before 01.03.2023, the new coëfficients for funded loans will apply from 01.03.2024