TRANSACTION		FEES     (excluding VAT)	FEES   (including VAT)
I. VND ACCOUNT
1	A/ Opening - Closing of account
	* Minimum balance (Accounts with balance under minimum required amount are not able to enjoy interest rate)
	+ Individual: 50.000đ	Free of charge
	+ Corporate: 1.000.000đ
	B/ Closing of account	10.000 đ	11.000 đ
2	Receiving money into account
	* Cash deposit
	+At DAB branch where account was opened	Free of charge
	+At DAB branch where account was not opened
	- Within the same city/province with DAB branch where account was opened	Free of charge
	- Not within the same city/province with DAB branch where account was opened	0,03% of cash deposit amount, Min 30.000đ, Max 900.000đ	0,033% of cash deposit amount, Min 33.000đ, Max 990.000đ
	* Receiving money via account transfer
	+ Receiving money from account that was opened at bank branch in the same city/province with receiver's account
	+ Money was transferred intermediately into other DAB branch not in the same city/province where receiver resides	0,02% of transfer amount, Min 20.000, Max 600.000	0,022% of transfer amount, Min 22.000, Max 660.000
3	Withdrawal and Account transfer
	* Cash withdrawal	Free of charge
	* Account transfer
	+ Within DAB's system
	- Internal transfer from DAB account to another DAB account	Free of charge
	- Receiver resides in the same city/province with DAB branch where sender's account was opened	5.000đ + Money usage fee for 1 day (if applicable)	5.500đ + Money usage fee for 1 day (if applicable)
	- Receiver does not reside in the same city/province with DAB branch where sender's account was opened
	# Receiver owns a DAB account	0,01% of transfer amount ( Min 10.000, Max 300.000) + Money usage fee for 1 day (if applicable)	0,011% of transfer amount ( Min 11.000, Max 330.000) + Money usage fee for 1 day (if applicable)
	# Receiver does not own an DAB account	0,03% of transfer amount, Min 30. 000, Max 900.000	0,033% of transfer amount, Min 33. 000, Max 990.000
	+ Outside DAB's system
	- The bank branch that receiver's account was opened is in same city/provinces with sender's DAB account
	Transfer amount < 500 million dong	0,001% of transfer amount ( Min 5.000đ )+ Money usage fee for 1 day (if applicable)	0,0011% of transfer amount ( Min 5.500đ )+ Money usage fee for 1 day (if applicable)
	Transfer amount from 500 million dong and above	0,01% of transfer amount ( Min 50.000đ, Max 150.000 )+ Money usage fee for 1 day (if applicable)	0,011% of transfer amount  ( Min 55.000đ, Max 165.000 ) + Money usage fee for 1 day (if applicable)
	- The bank branch that receiver's account was opened is not in same city/provinces with sender's DAB account
	Transfer amount < 500 million dong	0,03% of transfer amount (Min 20.000đ), + Money usage fee for 1 day (if applicable)	0,033% of transfer amount (Min 22.000đ) + Money usage fee for 1 day(nếu có)
	Transfer amount from 500 million dong and above	0,04% of transfer amount (Max 900.000đ) + Money usage fee for 1 day (if applicable)	0,044% of transfer amount (Max 990.000đ) + Money usage fee for 1 day (if applicable)
	Money usage fee for 1 day	0,02% / Total used amount (Min 20.000 đ, Max 600.000 đ)	0,022% / Total used amount (Min 22.000 đ, Max 660.000 đ)
4	Exchange bill, Collection check, Collection authorization letter
	+ Within DAB's system	Free of charge
	+ Outside DAB's system
	- Within same city/province of requester	5.000 đ/item	5.500 đ/item
	- Not within same city/province of requester	20.000 đ/item + Actual postal fee	22.000 đ/món + Actual postal fee
II. FOREIGN CURRENCY ACCOUNT
1	A/ Opening of account
	* Minimum balance ( Accounts with balance under minimum required amount are not able to enjoy interest rate)
	+Individual: 50USD	Free of charge
	+Corporate: 100USD
	B/ Closing of account	2 USD	2,2 USD
2	Receiving money into account
	* Cash deposit
	+ 50 USD notes and above	0,15% of cash deposit, Min 2 USD	0,165%of cash deposit, Min 2,2 USD
	+ 5 USD notes to under 50 USD notes	0,25% of cash depositn, Min 2 USD	0,275% of cash deposit, Min 2,2 USD
	+ Under 5 USD notes / Other currencies	0,4% of cash deposit, Min 2 USD,	0,44% of cash deposit, Min 2,2 USD
	* Receiving money via account transfer:
	+ From domestic banks	Free of charge
	+ From overseas banks
	- Through intermediate bank in Vietnam	Free of charge
	- Directly from individual to individual	0,05% of transfer amount , Min 2 USD, Max 180 USD	0,055% of transfer amount , Min 2,2 USD, Max 198 USD
	- Other cases	0,1% of transfer amount, Min 2 USD, Max 50 USD	0,11% of transfer amount, Min 2,2 USD, Max 55 USD
3	Withdrawal and account transfer
	* Cash withdrawal
	+ VND	Free of charge
	+ USD
	- Corporate account	0,15% withdrawn amount, Min 2 USD	0,165% withdrawn amount, Min 2,2 USD
	- Individual account	0,15% withdrawn amount, Min 2 USD	0,165% withdrawn amount, Min 2,2 USD
	+ Other foreign curreny	0,15% withdrawn amount, Min 2 USD	0,165% withdrawn amount, Min 2,2 USD
	Money Transfer companies	Negotiated fee
	* Account transfer
	+ Within DAB's system
	- Individual to individual	Free of charge
	- Payment transfer	2 USD	2,2 USD
	+ Outside DAB's system
	- Receiver's account was opened at bank branch in the same city/province with sender's account	2 USD	2,2 USD
	- Receiver's account was opened at bank branch not in same city/province with sender's account	0,05% of transferred amount, Min 2 USD, Max 50 USD	0,055% of transferred amount, Min 2,2 USD, Max 55 USD
	+ International remittance	International Payment fees applied
4	Exchange bill /Authorization letter to DAB for collection
	* Collection from overseas bank account	International Payment fees applied
	+ Domestic banks
	- Within DAB's system	Free of charge
	- Outside DAB's system
	+ Same city/province	2 USD/ item	2,2 USD/ item
	+ Not within same city/province	2 USD/ item + Actual postal fee	2,2 USD/ item + Actual postal fee

(Applicable from 02/06/2008)