Treasury & Cash Management

How to record a bank guarantee fee

Recognition of fees paid to a financial institution for issuing a guarantee to a third party.

Account NameTypeDebit ($)Credit ($)
Bank Service ChargesDebit500.00-
CashCredit-500.00

💡 Accountant's Note

Bank guarantee fees are typically recorded as an operating expense (bank charges) at the time of payment or accrual over the guarantee period.

Practitioner & Systems Framework

💻 ERP Architecture

Set up a recurring journal entry if the guarantee fee is billed monthly or quarterly.

⚠️ Audit Flags

Sudden spikes in bank fees without corresponding new credit facilities.

📄 Required Documentation

Bank guarantee agreement and debit advice from the financial institution.

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Expert Analysis by Qusai Ahmad

General Accountant Supervisor & IFRS Specialist

Specialized in SAP GUI automation and Middle Eastern tax compliance. Building digital tools for the next generation of finance leaders.

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