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Personal Account Fee

Free DNBC Financial Group Personal account opening fee
Free Multi-currency current account opening fee
Free Internet payment for Personal (sign up +monthly fee)
C$19 Monthly maintenance fee
Download Personal Account Fees


  1. D – current working date, cut-off time at 04:00 PM.
    D+1 – value date on the following working day.
    D+2 - within 2 days from the current working day
  2. 0.25% of the total amount of transactions. Maximum transaction fee capped at 175 CAD for Urgent D+2. Based on your request, an additional charge of 25 CAD shall be applied to Express D+1.
  3. Applicable to a transaction with an amount over 50,000 CAD. This service charge is an extra fee applied to large transactions on checking documents and scanning KYC compliance. The processing fee is fixed following the information of the above table.
  4. The negative interest is calculated at the end of each day. The negative interest is debited at the end of each month for the period of the previous month and debited directly from the respective account. The negative interest is currently 1% per annual. The calculation for each month is 1/12th of the interest rate. The negative interest will be charged as of 01 May, 2022 until further notice.
  5. Monthly maintenance fee is free of charge for personal account holders who make monthly transactions (exchanged to CAD) from 12,000 CAD or more via SWIFT Transfer. If the monthly transaction does not meet the above conditions, the monthly maintenance Standard Fee of 19 CAD shall be applied, regardless of clients who have signed up for Standard Package. Client is required to sign a form of switching his/her current package to upgrade to the Premium Package.
  6. Easy upgrade to the Premium Package is available once Point (5) is satisfied.
  7. With a current account upgrade from Standard to Premium, in the following months, if the client does not meet the requirement (5) mentioned above, the monthly maintenance fee will be applied for the standard package (19 CAD).
  8. Enable to open accounts corresponding with different currencies: EUR, CHF, GBP, CAD, HKD, etc.
  9. (*) "Variety of fees" encompasses charges that intermediary banks may impose according to their policies.These fees, if applicable, may have been deducted from the transaction amount. DNBC does not have control over these intermediary bank fees.
  10. An intermediary bank is a bank that acts on behalf of the sending bank to facilitate international money transfers via the SWIFT network. This type of bank is needed when the sending and beneficiary banks don’t have an established relationship. They’ll often charge their own fee for their services, which will impact the amount your recipient gets.