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Customer Service and Operations

1) Account Operations

SN Description Fee/ Charge
1.1 Account Opening Free
1.2 Account Operation Free
1.3 Account Statement issuance Free
1.4 Balance Certification Free
1.5 Account Close Free
1.6 Remittance Deposit to Particular Account Free
1.7 ABBS Service Free
1.8 Issuing Cheque including Good for Payment Cheque Free
1.9 Stop Payment of Cheque Free
1.10 Cheque Book Issuance against Lost Cheque Book (Both Saving and Current Account) NPR200
1.11 Cheque Return due to Insufficient Balance (to be deducted from a/c holder's a/c NPR200

2) Fixed Deposits

SN Description Fee/ Charge
2.1 FD Pre Mature 3% of Principal Amount of remaining period
2.2 Issuance of FD Slip if lost NPR1000

3) ECC

SN Description Fee/ Charge
3.1 Regular Cheque (Nepali Currency) less than NPR200000 Free
3.2 Regular Cheque (Nepali and Foreign Currency) NPR25
3.3 Express Cheque NPR100
3.4 Regular High Value Cheque Clearing NPR100
3.5 Late Presentment NPR200

4) Locker Charges (with Dimensions and Locked Amount)

(Annual Maintenance Charge)

SN Description Fee/ Charge
4.1 14.95*21.65*21.65 (Locked Amount NPR15000) NPR 6000
4.2 12.84*16.92*19.65 (Locked Amount NPR15000) NPR4500
4.3 7.48*21.65*21.65 (Locked Amount NPR15000) NPR4000
4.4 11.14*14.08*19.68 (Locked Amount NPR15000) NPR3500
4.5 12.84*8.04*19.68 (Locked Amount NPR15000) NPR3000
4.6 6.36*19.62*19.68 (Locked Amount NPR15000) NPR3100
4.7 7.48*10.24*19.68 (Locked Amount NPR15000) NPR2800
4.8 5.00*14.08*19.68 (Locked Amount NPR15000) NPR2600
4.9 6.36*8.04*19.68 (Locked Amount NPR10000) NPR2200
4.10 5.00*7.00*19.68 (Locked Amount NPR10000) NPR2000

(If unable to pay locker fee in time)

SN Description Fee/ Charge
4.14 Within 1 month Addition to 10% of Fee Amount
4.15 Within 2 months Addition to 20% of Fee Amount
4.16 Within 3 months Addition to 50% of Fee Amount
4.17 Locker Breaking Charges As per actual basis

5) Domestic Visa Debit Card

SN Description Fee/ Charge
5.1 Issuance NPR 250
5.2 Annual renewal NPR 250
5.3 Reissuance in case of loss NPR 250
5.4 Pin regeneration NPR 100
5.5 Stop Card Free
5.6 Foreign Card at ADBL ATM NPR 499.99
5.7 Card Link (Other Account) Charge Free
5.8 ADBL Card in Other Bank's ATM ( Free Two TXN) 20
5.9 ADBL Card in ADBL ATM Free
5.10 ADBL Card in India Network INR 225
5.11 E-com Registration Fee NPR 250
5.12 Uncollected Card Charge NPR 250
5.13 Dispute Management Fee As per Network rule
5.14 Instant Debit Card NPR 500
5.15 Balance Enquiry Fee Free
5.16 Release Block Card Pin Free
5.17 Request for CCTV Record Free

6) ADBL Visa International Dollar Card (E-Com)

SN Description Fee/ Charge
6.1 Joining/Subscription Fee NPR 500
6.2 Renewal Fee NPR 500
6.3 Replacement Fee NPR 500
6.4 E-com Activation Fee Free
6.5 Top up Charge NPR 500
6.6 Dispute Management Fee As per Network rule
6.7 Balance Certificate Issuance Free
6.8 Balance Enquiry from own ATM Free
6.9 Statement Regeneration Free

7) ADBL Visa International Dollar Prepaid Card

SN Description Fee/ Charge
7.1 Joining/Subscription Fee USD 10
7.2 Renewal Fee USD 10
7.3 Replacement Fee USD 10
7.4 E-com Activation Fee USD 5
7.5 Pin-Reissuance Fee USD 0.5
7.6 Top up Charge USD 10
7.7 ATM Withdrawal (Except Nepal and India) USD 3 or 0.5% whichever is higher
7.8 Balance Inquiry from other ATM USD 1
7.9 Balance Enquiry from own ATM Free
7.10 Dispute Management Fee As per Network rule

8) ADBL Visa Credit Card

( Subscription and Annual Fees )

SN Description Fee/ Charge
8.1 Subscription Fee NPR 1000
8.2 Supplementary Subscription Fee NPR 750
8.3 Annual Fee NPR 750
8.4 Supplementary Annual Fee NPR 500
8.5 Re-Issuance Fee (Damage / Replace) NPR 1000

(Transaction Fee)

SN Description Fee/ Charge
8.6 Cash Advance Fee (ATM) in Nepal NPR 150
8.7 Cash Advance Fee (ATM) in India NPR 250
8.8 Interest Rate on Cash Advance Amount 2% Per Month
8.9 Balance Enquiry Fee from Other ATM NPR 15
8.10 Balance Enquiry Fee from ADBL ATM Free

(Other Fee)

SN Description Fee/ Charge
8.11 Late Payment Fee NPR 250
8.12 Interest Rate 2% Per Month
8.13 Pin Re-Issuance Fee NPR 100
8.14 E-comm Registration Fee NPR 500
8.15 Temporary Limit Enhancement Fee NPR 500
8.16 Permanent Limit Enhancement Fee NPR 500
8.17 Transaction Dispute Management Fee NPR 250
8.18 Statement Reprint Charge Free
8.19 Balance Certificate Issuance Fee Free

9) Mobile/Internet Banking Section

(Registration/ Maintenance Fee)

SN Description Fee/ Charge
9.1 Mobile Banking Registration Fee NPR 200
9.2 Mobile Banking Renew Charge NPR 150
9.3 Mobile Banking PIN Reset NPR 10
9.4 Mobile Banking Password Reset NPR 10
9.5 Internet Banking Registration Fee NPR 200
9.6 Internet Banking Renew Fee NPR 150
9.7 Internet Banking PIN Reset Fee NPR 20
9.8 Internet Banking Password Reset Fee NPR 20
9.9 Kisan App Registration Fee NPR 100
9.10 Kisan Card Registration Fee NPR 100
9.11 Kisan Card Replace/Repair Fee NPR 50
9.12 Kisan Card/App Pin and Password Reset NPR 10

Transaction Related Fee (Fund Transfer)

SN Description Fee/ Charge
9.13 Intrabank Fund Transfer ( ADBL to ADBL) Free
9.14 QR Merchant Payment Free
9.15 Interbank Fund Transfer NPR 10
9.16 Kisan Card Transfer Free

Transaction Limit (Mobile Banking)

SN Description Fee/ Charge
9.17 Per day Maximum no of Transaction 25
9.18 Per Transaction in ADBL network Free
9.19 Per Transaction Transfer in Wallet Free
9.20 Per Transaction Transfer Charge NPR 10
9.21 Per Transaction Maximum Limit NPR 100000
9.22 Per Day Limit NPR 200000
9.23 Per Month Limit NPR 1000000

10) Depository Services Section

SN Description Fee/ Charge
10.1 Demat registration Charge NPR 50
10.2 DEMAT Annual Maintenance Fee NPR 100
10.3 Mero Share Registration Charge NPR 50
10.4 Mero Share Renew Charge NPR 50
10.5 REMAT (Rematerialisation) Charge NPR 50
10.6 Pledge Charge NPR 50
10.7 Freeze Charge NPR 25

11) Remittance Section

11.1 ADBL Remit

SN Description Fee/ Charge
11.1.1 1 - 10000 NPR 125
11.1.2 10001-25000 NPR 150

11.2) Agency Remit (Only Payment)

SN Description Fee/ Charge
11.2.1 IME Remit Agency Rule
11.2.2 Prabhu Remit Agency Rule
11.2.3 Prithivi Remit Agency Rule
11.2.4 Sewa Remit Agency Rule
11.2.5 CFS Remit (Himal Remit) Agency Rule
11.2.6 Western Union Agency Rule
11.2.7 Esewa Remittance Agency Rule
11.2.8 EsayLink Remittance Agency Rule
11.2.9 City Express Money Transfer Agency Rule
11.2.10 Siddhartha Remit Agency Rule

12) NCHL-IPS

SN Description Fee/ Charge
12.1 Transactions Limit Up to 500 NPR 2
12.2 Transactions Limit  501 to 50000 NPR 5
12.3 Transactions Limit  Above 50000 NPR 10
12.4 Transactions PFDS and PFSA NPR 10

13) Connect IPS

13.1) General Transaction Fee

SN Description Fee/ Charge
13.2 General Transaction Up to 500 NPR 2
13.3 General Transaction Above 500 to 5000 NPR 4
13.4 General Transaction Above 50000 NPR 8

13.2 GoN Transaction Fee

SN Description Fee/ Charge
13.2.1 GoN Inland Revenue Payments (NPR 0.01 - 10000) NPR 2
13.2.2 GoN Inland Revenue Payments (NPR Above 10000) NPR 5
13.2.3 Other Government Tax Payments Slab Based (NPR.2-8)

13.3) Other Creditor/Merchant/NPI members Transaction Fee

SN Description Fee/ Charge
13.3.1 0.01-500 NPR 2
13.3.2 Above 500 - 5000 NPR 5
13.3.3 Above 5000 - 50000 NPR 10
13.3.4 Above 50000 NPR 15

14) RTGS Transactions

RTGS Outward Transactions

SN Description Fee/ Charge
14.1 RTGS (within 2:00 PM) NPR 10
14.2 RTGS (after 2:00 PM) NPR 20
14.3 RTGS Inward Transactions Free

18) Market Maker (long term Government Securities)

Instrument value range

SN Description Fee/ Charge
18.1 0 - 100000 0.50%
18.2 100000 - 500000 0.40%
18.3 500000 - 1000000 0.30%
18.4 1000000 - 5000000 0.20%
18.5 5000000 and above 0.10%

19) Government Transactions

SN Description Fee/ Charge
19.1 Cash/ Teller Transactions Free

20) Draft / NRB Cheque

SN Description Fee/ Charge
20.1 NRB Cheque Issuance NPR 150
20.2 NRB Cheque Cancellation Free

21) For Inward SWIFT

SN Description Fee/ Charge
21.1 Up to NPR 500,000 NPR 500
21.2 From NPR 500,000 to NPR 1000,000 NPR 1000
21.3 From NPR 1000,000 to NPR 2000,000 NPR 1500
21.4 Above NPR 2000,000 NPR 2000

22) For Outward SWIFT (Account Holders with ADBL bank)

SN Description Fee/ Charge
22.1 Transfer in USD USD 5 or 0.20% of amount whichever is higher
+ SWIFT Communication charge NPR 1000
22.2 Transfer in GBP GBP 5 or 0.20% of amount whichever is higher
+ SWIFT Communication charge NPR 1000
22.3 Transfer in EUR EUR 5 or 0.20% of amount whichever is higher
+ SWIFT Communication charge NPR 1000

23) For Outward SWIFT (Customers without Account at ADBL bank)

SN Description Fee/ Charge
23.1 Transfer in USD USD 8 or 0.30% of amount whichever is higher
+ SWIFT Communication charge NPR 1000
23.2 Transfer in GBP GBP 8 or 0.30% of amount whichever is higher
+ SWIFT Communication charge NPR 1000
23.3 Transfer in EUR EUR 8 or 0.30% of amount whichever is higher
+ SWIFT Communication charge NPR 1000

24) SWIFT Communication Charges

SN Description Fee/ Charge
24.1 SWIFT Communication Charge NPR 1000
24.2 Amendment in SWIFT Message on customer request for
Account Holders 		NPR 800
24.3 Amendment in SWIFT Message on customer request for Non-Account Holders NPR 1000

25) Inward SWIFT Returned due to mismatch of Account Name, Account Number etc.

SN Description Fee/ Charge
25.1 Amount above USD 100 USD 20 or NPR 2000 whichever is higher
25.2 Amount equal to or below USD 100 USD 5
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