● Interest and Credit Usage Fee not exceeding 25% per annum
1.2 Digital YourCash-A
● Interest and Credit Usage Fee not exceeding 22% per annum
1.3 Happy Loan
● Interest and Credit Usage Fee not exceeding 25% per annum
The company will calculate the default interest rate not more than 3% per year on default principles (At present, the total of interest rate (normal rate and default rate),charges, and fees are not more than 25% per year).
2. Payment to Government
2.1 YourCash/Digital YourCash-A/Happy Loan
Stamp Duty
● Customer agrees to the Credit Facility Agreement: 1 baht for every 2,000 baht or a fraction thereof of the total credit limit (not exceeding 10,000 baht)
● Customer does not agree to the Credit Facility Agreement: 1 baht for every 2,000 baht or a fraction thereof of each loan/withdrawn amount (payment per transaction)
3. External Agencies or Other Business Entities
3.1 YourCash
3.1.1 Payment Fee
Direct Debit
None
ATM
Per Bank Charge
Bank Counter
Per bank charge
Counter Service
Per Counter Service charge
Thailand Post Office Counter
Per Thailand Post Office charge
3.1.2 Credit Bureau Checking Fee
Hit information: 12 baht / time
Non-hit information: 5 baht / time
3.1.3 Expense in case of insufficient funds in the account for payment
(If payment by direct debit to other financial institutions)
None
3.1.4 Collection Expense
(Applicable when the outstanding balance is over 1,000 Baht only)
- Overdue for 1 billing cycle : 50 Baht per debt collection cycle
- Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle
3.1.5 Withdrawal Expense via ATM for AEON Rabbit member Card and Big C Exclusive Caed with Kasikorn Bank, Bangkok Bank, Bank of Ayudhya, Krungthai Bank ,Government Savings Bank and Siam Commercial Bank
13 baht per transaction (VAT included)
3.1.6 AEON Rabbit Card fee
Entrance fee
100 baht
3.1.7 PromptPay
5 baht per transaction
3.2 Digital YourCash-A
3.2.1 Payment Fee
Direct Debit
None
ATM
Per Bank Charge
Bank Counter
Per bank charge
Counter Service
Per Counter Service charge
Thailand Post Office Counter
Per Thailand Post Office charge
3.2.2 Credit Bureau Checking Fee
Hit information: 12 baht / time
Non-hit information: 5 baht / time
3.2.3 Expense in case of insufficient funds in the account for payment
(If payment by direct debit to other financial institutions)
None
3.2.4 Collection Expense
(Applicable when the outstanding balance is over 1,000 Baht only)
- Overdue for 1 billing cycle : 50 Baht per debt collection cycle
- Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle
3.2.5 Withdrawal Expense via ATM with Kasikorn Bank, Bangkok Bank, Siam Commercial Bank
13 bath per transaction (VAT included)
3.2.6 PromptPay
5 baht per transaction
3.3 Happy Loan
3.3.1 Payment Fee
Direct Debit
None
ATM
Per Bank Charge
Bank Counter
Per bank charge
Counter Service
Per Counter Service charge
Thailand Post Office Counter
Per Thailand Post Office charge
3.3.2 Credit Bureau Checking Fee
Hit information: 12 baht / time
Non-hit information: 5 baht / time
3.3.3 Expense in case of insufficient funds in the account for payment
(If payment by direct debit to other financial institutions)
None
3.3.4 Collection Expense
(Applicable when the outstanding balance is over 1,000 Baht only)
- Overdue for 1 billing cycle : 50 Baht per debt collection cycle
- Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle
3.3.5 Withdrawal Expense via ATM with Kasikorn Bank, Bangkok Bank, Siam Commercial Bank
13 baht per transaction (VAT included)
4. Operating Expense
4.1 YourCash
4.1.1 Collection Expense
(Applicable when the outstanding balance is over 1,000 Baht only)
- Overdue for 1 billing cycle : 50 Baht per debt collection cycle
- Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle
4.1.2 Return Cheque Fee
200 baht / time
4.1.3 Card Replacement / Lost / Damage Fee
100 baht / card
4.1.4 Statement Re-issue Fee
None
4.1.5 PIN Re-issue Fee
50 baht / time
4.1.6 Request Fee for Transaction Investigation
None
4.2 Digital YourCash-A
4.2.1 Collection Expense
(Applicable when the outstanding balance is over 1,000 Baht only)
- Overdue for 1 billing cycle : 50 Baht per debt collection cycle
- Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle
4.2.2 Return Cheque Fee
200 baht / time
4.2.3 Card Replacement / Lost / Damage Fee
None *Remark : Digital YourCash-A doesn’t issue the plastic card and/or any materials to the customers.
4.2.4 Request Fee for Transaction Investigation
None
4.3 Happy Loan
4.3.1 Collection Expense
(Applicable when the outstanding balance is over 1,000 Baht only)
- Overdue for 1 billing cycle : 50 Baht per debt collection cycle
- Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle
4.3.2 Return Cheque Fee
200 baht / time
4.3.3 Card Replacement / Lost / Damage Fee
None *Remark : Happy Loan doesn’t issue the plastic card and/or any materials to the customers.
