Fees on Banking Services
In an effort to promote transparency and for your convenience, we are publishing our Fees onBanking Services below, effective as of July 1st, 2023.
*Cash Withdrawal and Deposit Services Sint Maarten effective as of February 10th, 2025.
** From April 1st, 2025, to June 30th, 2025, Orco Bank customers in Curaçao and Sint Maarten will enjoy waived Exchange Fees and Withdrawal Fees. Additionally, in Sint Maarten, Cash Deposit Fees are also waived for Orco Bank customers during this period. This only applies to the Deposit, Withdrawal, or Exchange of ANG to XCG. Fees may apply in all other cases.
Cash Withdrawals and Deposits |
Curaçao |
Sint Maarten |
| Cash withdrawal local currency | XCG 3.50 | XCG 3.50 |
| Cash withdrawal foreign currency | USD/EUR/AWG 3.50 | USD/EUR/AWG 3.50 |
| Cash deposit local currency | Free | XCG 3.50 |
| Cash deposit foreign currency (USD/EUR/AWG) | 0.50% with a minimum of XCG 5.00 |
XCG 3.50 |
| Cash deposit USD on the credit card (only for individuals) | Free | Free |
| Selling foreign currency | 0.50% with a minimum of XCG 5.00 | Free |
| Buying foreign currency | 0.50% with a minimum of XCG 5.00 | Free |
| Cash deposit to 3rd party (Only XCG) | XCG 10.00 deposit on individual account max XCG 2.500 on corporate account max XCG 5.000 |
XCG 10.00 deposit on individual account max XCG 2.500 on corporate account max XCG 5.000 |
| Change banknote denominations (wisselgeld) (less than XCG 500 free) | 1% with a minimum of XCG 10.00 |
1% with a minimum of XCG 10.00 |
| Night Depository (Sint Maarten only) | N/A | XCG 50.00 (per 50 bags) Deposits free of charge |
| Large Deposit Bag (Curaçao only) | XCG 10.00 per month | N/A |
Local Transfers |
Curaçao & Sint Maarten |
Bonaire |
| Local transfers (manual) | XCG 7.50 | USD 7.50 |
| Local transfers via Orco Bank Online (OBO) & App within Orco Bank | Free | Free |
| Local transfers via Orco Bank Online (OBO) & App to other local banks | XCG 0.50 | USD 0.30 |
| Local transfer > XCG 1,000,000 |
XCG 15.75 per transaction | USD 15.75 per transaction |
| Automatic debit utility companies | N/A | N/A |
| Recall/Amendment local transfer | XCG 10.50 | USD 10.50 |
| Additional fee for instructions received through e-mail or phone | XCG 35.00 | USD 35.00 |
| Automatic debit utility companies USF booked or rejected | N/A | N/A |
| Investigation transaction current year | XCG 10.50 per transaction | USD 10.50 per transaction |
| Investigation of transactions in prior years | XCG 15.75 per transaction | USD 15.75 per transaction |
International Transfers |
Curaçao & Sint Maarten |
Bonaire |
| International 5 working days ** Only possible via Orco Bank Online (OBO) & App |
XCG 25.00 maximum transfer amount XCG 15,000.00 | USD 15.00 maximum transfer amount USD 8,500.00 |
| International same day ** | 0.15% of amount min XCG 75.00 max 250.00 (Via Orco Bank Online & App XCG 50.00) |
0.15% of amount min USD 40.00 max 140.00 (Via Orco Bank Online & App USD 30.00) |
| Incoming international transfer (XCG, USD, EUR, AWG) |
XCG, USD, EUR, AWG 10.60 | USD, EUR 10.60 |
| Recall/amendment international transfer | XCG 50.00 | USD 25.00 |
| Return to sender incoming international transfer | USD, EUR 10.00 | USD, EUR 10.00 |
| Additional fee for instructions received through e-mail, or phone | XCG 35.00 | USD 35.00 |
| Swift confirmation | XCG 10.50 | USD 10.50 |
| Investigation transaction current year* (claim non-receipt of funds) | XCG 26.50 | USD 26.50 |
| Investigation transaction prior years* |
XCG 53.00 | USD 26.50 |
Standing Orders |
Curaçao & Sint Maarten |
Bonaire |
| Standing orders |
XCG 5.25 (via OBO free) |
USD 5.25 (Via OBO free) |
| International standing order (only same day) |
0.15% of amount min XCG 50.00 (only possible via OBO) max XCG 550.00 | 0.15% of amount min USD 30.00 (only possible via OBO) max USD 300.00 |
| Change standing order |
XCG 10.60 (Via OBO free) |
USD 10.60 (Via OBO free) |
| Standing orders (Insufficient funds/USF) | XCG 10.60 | USD 10.60 |
Administration Fees |
Curaçao & Sint Maarten |
Bonaire |
| Monthly Administration Fee | ||
| Personal Resident | XCG 5.00, USD 5.00, EU 10.00 | USD 5.00, EUR 10.00 |
| Personal Non-resident | XCG 7.50, USD 7.50, EUR 10.00 | USD 5.00, EUR 10.00 |
| Business Resident | XCG 7.50, USD 7.50, EUR 10.00 | USD 7.50, EUR 10.00 |
| Business Non-resident | XCG 10.00 USD 10.00, EUR 10.00 | USD 7.50, EUR 10.00 |
| Reference Letter | XCG 25.00 | USD 25.00 |
| Balance Confirmation Letter | XCG 25.00 | USD 25.00 |
| Bank Confirmation Letter |
XCG 52.50 per Customer ID | USD 52.50 per Customer ID |
| Digital Interest letter previous & coming year |
Free | Free |
| Hard Copy Interest letter previous & coming year | XCG 25.00 | USD 25.00 |
| Digital Insurance Tax letter | Free | Free |
| Hard Copy Insurance Tax letter | XCG 25.00 | USD 25.00 |
| Monthly Fee Dormant Accounts ****** |
XCG, USD, EUR, 5.30 | USD, EUR 5.30 |
| E-mail or OBO statements | Free | Free |
| Daily Statements (Curaçao only) | XCG, USD, EUR 60.00 per month | N/A |
| Weekly Statements (Curaçao only) | XCG, USD, EUR 30.00 per month | N/A |
| Monthly Statements | XCG, USD, EUR 15.00 per month (abroad XCG, USD, EUR 25.00 per month) | USD, EUR 15.00 per month (abroad USD, EUR 25.00 per month) |
| Quarterly Statements ***** |
XCG, USD, EUR 10.00 per month (abroad XCG, USD, EUR 15.00) |
USD, EUR 10.00 per month (abroad USD, EUR 15.00) |
| Duplicate/Print-out Statements | XCG, USD, EUR 10.00 per month | USD, EUR 10.00 per month |
Credit Cards |
Curaçao & Sint Maarten |
Bonaire |
| Membership Fee Visa Classic *** | USD 35.00 / USD 15.00 | USD 35.00 / USD 15.00 |
| Membership Fee Visa Gold *** | USD 75.00 / USD 15.00 | USD 75.00 / USD 15.00 |
| Membership Fee Visa Platinum *** | USD 100.00 / USD 15.00 | USD 100.00 / USD 15.00 |
| Membership Fee Visa Business *** |
USD 75.00 / USD 25.00 | USD 75.00 / USD 25.00 |
| Cash Advance |
USD 10.00 | USD 10.00 |
| Replacement Credit Card Lost/Damaged |
USD 10.00 | USD 10.00 |
| Replacement PIN |
USD 10.00 | USD 10.00 |
| Extra Payment Credit Card |
XCG 10.50 (Via OBO free) | USD 10.50 (Via OBO free) |
| Credit Card Statement |
USD 5.00 per month Electronic Free (via EZcardinfo.com) |
USD 5.00 per month Electronic Free (via EZcardinfo.com) |
| Copy Credit Card Statement/Interest Letter |
USD 10.00 per month | USD 10.00 per month |
| Balance Protection Fee | USD 0.30 for every USD 100.00 of the balance | USD 0.30 for every USD 100.00 of the balance |
ATM Fees |
Curaçao & Sint Maarten |
Bonaire |
| Cash withdrawal other banks | ||
| Local | XCG, USD, EUR 1.50 |
USD 1.50 |
| International | USD, EUR 5.00 | USD, EUR 5.00 |
| Replacement ATM Card |
XCG 15.00 | USD 15.00 |
| New PIN | XCG 10.50 (next day) XCG 25.00 (same day) |
USD 10.50 (next day) USD 25.00 (same day) |
Orco Bank Online (OBO) |
Curaçao & Sint Maarten |
Bonaire |
| Monthly Charges Individuals |
Free | Free |
| Monthly Charges Business |
XCG 36.75 per month for less than 15 accounts | Free |
| Monthly Charges Business | XCG 50.00 per month up to 30 accounts Every additional token XCG 50.00 extra |
N/A |
| Inquiry/Additional Token |
XCG 50.00 | USD 30.00 |
| Lost/Stolen Token |
XCG 50.00 | USD 15.00 |
| Replacement Token (low battery) |
Free. Must hand in old token | Free. Must hand in old token |
Compliance |
Curaçao & Sint Maarten |
Bonaire |
| Monitoring Fee **** |
A minimum of XCG 120.00 per month per Customer ID | A minimum of USD 120.00 per month per Customer ID |
| Non-Compliant Fee **** | XCG 90.00 per month per Customer ID | USD 90.00 per month per Customer ID |
Other |
Curaçao & Sint Maarten |
Bonaire |
| Salary batch processing | XCG 3.00 per payment (Via OBO free) | N/A |
| Travel Notice per phone/email | XCG 10.50 (Via OBO free) | USD 10.50 (Via OBO free) |
- For Curacao, the fees include sales tax (OB), if applicable.
- For Bonaire, the fees include sales tax (ABB), if applicable.
- For Sint Maarten, the fees include sales tax (TOT), if applicable.
- In case a fee of the USD amount is not explicitly mentioned the conversion rate of 1.78 will be used.
** All transfers will be done charges OUR.
***The additional card charges will be charged to the corresponding Current Account.
****The fee will be charged at Management’s discretion, after informing the client.
***** Quarterly statements for Savings Accounts are free of charge.
****** Current Account inactive for more than 12 months. Disclaimer The fees schedule provided on this website is for informational purposes only and is subject to change. Orco Bank reserves the right to modify or update the fees at any time without prior notice. While we strive to ensure the accuracy of the information presented, we recommend contacting Orco Bank directly for the most current and accurate fee details. Please note that additional terms and conditions may apply to specific services and transactions. By accessing and using this website, you acknowledge and agree that Orco Bank shall not be held liable for any reliance placed on the fees schedule displayed herein.