Loans for private clients

Conclusion of a loan agreement0–5% of the amount of the loan
Conclusion of a car loan agreement2% of the amount of the loan, at least €50
Amendment of the terms and conditions of the agreement€15
Premature repayment of the loan
in part or in full
0.5% of the loan amount to be repaid or 1% of the loan amount to be repaid if the period between the day of premature repayment and the term of the agreement is longer than one year

Loans for business clients

Conclusion of a loan agreement1% of the loan amount, at least €100
Amendment of the terms and conditions of the agreementconditions of the agreement 1% of the loan amount, at least €100
Premature repayment of the loan in part or in fullwith a five-days’ advance notification, the interest to be paid from the date of the return to the term of the loan (no more than for the next six months)

Credit card

Ordering the first cardFree of charge
Renewing upon expiryFree of charge
ClosureFree of charge
Replacement€10
Monthly feeFree of charge
Submitting an unjustified demand for refund€15 per transaction
Checking the account balance in all ATMs€0.3 per operation
Amendment of the terms and conditions of the agreement€15

Other fees

Late payment interest rateThe rate fixed in the agreement
Reminder upon delays in paymentFree of charge
Sending a debt notice€5
Sending a notice of cancellation €20 of the agreement to a business client€20
Debt notices after the due date of the loanIf the bank’s claim is up to €500:
- fee for first debt notice €15
- fee for second and third debt notice €5
If the bank’s claim is €501–1,000:
- fee for first debt notice €20
- fee for second and third debt notice €5
If the bank’s claim is more than €1,000:
- fee for first debt notice €25
- fee for second and third debt notice €5

The service charges specified in the price list may be subject to value added tax pursuant to the Value Added tax Act.
Holm Bank AS may change the price list by notifying thereof one month in advance on the website www.holmbank.ee (it is not necessary to notify of adding a new service or reducing the price of a service).
The price list of Holm Bank AS is valid as of 7 June 2019.