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# What are the fees of the Bank Account

The bank charges a monthly fee for the account management.

## Mandatory Fees:

1. ### Account Maintenance Fee:

* **€5 per month** (total of €62.4 per year, including stamp duty) if certain conditions are met:

* The account holder has a monthly income or pension of at least €750 and opts for a digital account; or,
* Maintains financial assets above €7,500 in a digital account.
* **Otherwise, the fee is €8 per month** (total of €99.84 per year, including stamp duty) if these conditions are not met.

## Optional Fees:

1. ### Credit Card Annual Fee (TAEG 15.3%):

* **€10.40 per year** for the Classic Credit Card, charged during the first month and annually afterward. Only applicable if you choose to have a credit card.
2. ### Debit Card Annual Fee:

* **€23.50 per card per year** for a Visa Debit Card, charged during the first month and annually afterward.
3. ### Additional Transfer Fees:

* **MB WAY Transfers**: If you exceed 25 transfers or €150 in monthly transfers via the MB WAY app, a fee of 0.1% of the transferred amount applies.
4. ### Account Maintenance Package Fee (if opting for a package with additional services):

* **€6 per month** (total of €74.88 per year, including stamp duty) if conditions are met:

* Monthly income or pension above €750 or financial assets over €7,500 in a digital account.
* Otherwise, the fee for this package is **€8 per month** (total of €99.84 per year).

## Insurance Options:

1. ### Emergency Medical Assistance Insurance:

* Covers emergency medical assistance for the account holder and their family members at home.
2. **Family Civil Liability Insurance**:

* Covers civil liability for the account holder and family members.
3. **Special Insurance Conditions** for families as part of a family campaign.

Each of these insurances is optional and would require further inquiry regarding their monthly or annual costs if you choose to add them.

**Notes:**

* All fees include stamp duty.
* Conditions for reduced fees depend on specific financial and income thresholds.

## More information

You can find more information about these fees [here](https://assets.anchorless.io/Cliente_Frequente.pdf).