4. Transfers

SHA – The sender pays the commission of the bank. Additional commissions, incurred by the banks, which are involved in making the transfer, deducted from the amount transferred.        
OUR – All bank fees will be paid by the sender. If the bank incurs additional commission demanded by the banks, which are involved in making the transfer, they are deducted from the sender's account without acceptance.        
¹ Under condition of receiving message in SWIFT MT 103 format where Client's account number in IBAN format is specified correctly.        
² Prerequisites for SEPA-transfer: 
- the beneficiary account number must be in IBAN-format;
- the beneficiary bank identification code (SWIFT/BIC) must be indicated;
- the payment is being sent to an EEA⁶ country;
- if the beneficiary bank is not a member of EEA⁶, the transfer is sent to the beneficiary as an international transfer and an appropriate fee is applied;
- the currency of payment is Euro;
- the type of payment is standard;
- the remitter pays the SHA charges (the charges are shared) of his/her own bank only;
- details of the beneficiary bank and of the beneficiary are correct."        
³ According to the Appendix Nr.1         
⁴ When making a domestic transfer         
⁵ If the third parties’ fee exceeds the amount specified in the price list, the difference shall be paid by the sender         
⁶ The EEA (European Economic Area) countries –  EU countries (Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Estonia, Italia, Ireland, Cyprus, Latvia, Great Britain, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany, Sweden) and Island, Liechtenstein, Norway, Switzerland