Service Charge - Go Smart Account / Debit Card

1. Annual Fee HK$50
2. Temporary Overdraft Penalty Interest Rate and Handling Charge Dah Sing Savings Interest Rate#
plus HK$120 handling charge per occurrence
3. Card Replacement Fee HK$120
4. Returned Items (Cheque or Direct Debit Authorization) HK$120 per item
5. Sales Draft Retrieval Fee
- Photocopy HK$50 per copy
- Original copy HK$70 per copy
6. Statement Retrieval Fee
- Statement issued within the latest 3 months HK$30 per copy
- Statement issued beyond the latest 3 months HK$50 per copy
7. Cash Withdrawal through non-JETCO VISA / MasterCard ATM Network HK$25 per transaction
8. Credit Balance Withdrawal by cashier order HK$75 per cashier order
9. Overseas Transaction All Overseas Transactions and Foreign Currency Transactions are debited to your credit card account after conversion into Hong Kong dollars on the date the item is processed at a rate1 determined by VISA/MasterCard plus a fee of 1.75% (transaction fee(s) charged by VISA/MasterCard to the Bank included, if applicable).
  Notes :
1. Such exchange rate may differ from that on the transaction date due to market fluctuation.
2. The transaction fee will be subject to the revision by VISA/MasterCard International from time to time. The transaction fee(s) imposed by VISA/MasterCard International on the Bank are 1% and 1.1% respectively from the effective date.
Remarks:
- If there are 2 or more delinquent records for the "Required Payment Amount" in the past 12 consecutive months, the finance charge will be assessed at 0.0986% per day (annualized rate 36%).
# The adjustment of respective Interest Rate will be effective from the issuance date of monthly statement.
All out-of-pocket expenses are for account of clients. The Bank reserves the right to change the above charges or introduce charges not included in the above list. For charges not listed above, please contact our branches for details. If you have any objection or query regarding the above charges, please contact any of Dah Sing branches or call 2828 8000.