SSLT Global
Trade Finance

SBLC / Bank Guarantee Fee Estimator

Estimate the total cost of a Standby Letter of Credit or demand guarantee. Commission is pro-rated by tenor in months against a minimum fee floor, with optional cash-collateral offset.

Trade FinanceURDG 758
Reviewed against UCP 600 · Incoterms 2020 · WCO HSLast reviewed July 2026
Total Fee
$25,150.00
1.26% of face
Commission
$25,000.00
1.25% × 12m
Cash Collateral
$0.00
None
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Overview & methodology

SBLCs and demand guarantees

Standby LCs are typically governed by ISP98 (financial standby) or UCP 600. Independent demand guarantees follow ICC URDG 758. Commission is quoted annually and pro-rated per month, subject to a minimum fee - cash collateral can materially reduce the bank's risk charge.

Frequently asked questions

How are SBLC fees calculated?

Annual commission (typically 0.5–3% depending on obligor credit) × (days outstanding / 360 or 365) × face amount, plus any cash collateral offset. Add issuance fee, amendment fees and, if drawn, negotiation/payment fees.

Is an SBLC under ISP98 or URDG 758?

Either. ISP98 is the ICC's rule set specifically for standby credits; URDG 758 is for demand guarantees. Both apply to SBLCs but with different presentation and expiry-place rules. UCP 600 can also apply where the issuer prefers documentary-credit mechanics.

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