You can open a bank account by submitting your application and documents remotely or by visiting the bank’s customer service department at: S. Moniuškos g. 27, Vilnius, Lithuania.

To submit your application and documents remotely, please click HERE

To open a bank account, companies registered in Lithuania need to fill in an online form, have it signed by the company’s manager or an authorised person and submit it to the bank.

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To open a bank account, companies registered abroad need to fill in an online form have it signed by the company’s manager or an authorised person and submit it to the bank. When completing the form, you must provide:

• an extract from the official register of companies no older than 3 months;
• extract from the official register of shareholders, no older than 3 months;
• an extract from the register of beneficiaries*, if such a register is established in the client’s country of registration, no older than 3 months;
• the articles of association of the legal entity;
• the contract or deed establishing the legal entity;
• identity document of the manager or authorised person of the legal entity;
• power of attorney or proxy if the company is represented by an authorised person;
• the structure of the shareholders of the legal entity, signed by the manager or an authorised person;
• the decision appointing the director, if this information is not included in the extracts from the register;
• copies of the identity documents of the members of the board, if the board is established and if this information is not included in the extracts of the register;
• financial statements for the last fiscal year.

Documents are accepted only in Lithuanian or English and must be apostilled.

* Beneficiary: a natural person holding more than 25% of the shares or voting rights.

Opening an account with a financial institution or a gambling service provider, or companies providing gambling-related services, requires the submission of additional documentation relating to the relevant activity. A detailed list of documents and information is provided at the time of opening the account.

The list of countries and territories whose residents are not allowed to open accounts is set out in the List of Prohibited Activities.

The Bank does not provide services to customers engaged in activities listed in the Prohibited Activities List.

For information on deposit insurance conditions and cases when deposits are not insured, please read HERE.

The following methods of identification are used:

• when using a Smart-ID authentication tool, a person must have a qualified Smart-ID account. For more information on Smart-ID, please read here.
• using a mobile electronic signature issued in Lithuania, Latvia or Estonia.
• using electronic means for live video transmission.

Please inform customer service immediately at support@mano.bank. The information letter must be sent from an email address registered in the bank’s systems.

Please contact customer service at support@mano.bank. The information letter must be sent from an email address registered in the bank’s systems.

Please contact customer service at support@mano.bank. The information letter must be sent from an email address registered in the bank’s systems.

Please contact customer service at support@mano.bank. The information letter must be sent from an email address registered in the bank’s systems.

The following currencies are available for holding funds and sending payments: AUD, CAD, CHF, DKK, EUR, GBP, NOK, PLN, SEK, USD, but you can receive payments only in EUR.

At the moment, you can only receive payments in euros. In other currencies, you can only send payments from your bank account.

Currently, payments can be sent in the following currencies: AUD, CAD, CHF, DKK, EUR, GBP, NOK, PLN, SEK, USD.

Outgoing and incoming payments are not executed if the payment involves certain countries and territories.
The list of countries and territories in which payments are withheld is set out in the List of Prohibited Activities.

Outgoing and incoming payments are not executed if the payment involves certain countries and territories.
The list of countries and territories in which payments are withheld is set out in the List of Prohibited Activities.

It is currently possible to buy the currencies listed below with euros or to buy euros with the currencies listed below.
Currencies: AUD, CAD, CHF, DKK, GBP, NOK, PLN, SEK, USD.

You can’t, currency exchange operations are carried out via the online bank.

Typical time limits for receiving payment funds:

• In the case of SEPA instant payments, the funds are normally credited to the beneficiary’s account at the financial institution within seconds. These payments are made 24 hours a day, every day of the year, including weekends and public holidays.
• In the case of SEPA regular payments, the funds are normally credited to the beneficiary’s account with the financial institution on the same working day if the payment order is submitted to us before 12:00 p.m. These payments are only available on working days.
• In the case of a SWIFT payment, the funds are normally credited to an account opened with the beneficiary’s financial institution within 4 working days, but the time limit varies depending on the terms of service of the beneficiary’s financial institution and correspondent banks. These payments are only available on working days.

The bank shall credit the client’s bank account within the following time limits:

• In the case of SEPA instant payments, the funds are normally credited to the client’s bank account within a few seconds. These payments are made 24 hours a day, every day of the year, including weekends and public holidays.
• In the case of a SWIFT or SEPA usual payment, funds are normally credited to the client’s bank account on the same business day if the funds are received by the bank before 4:00 p.m. These payments are only available on working days.

1. In Internet bank. Send us the following details needed to recall the payment via an Internet bank message: recipient, amount, date, unique payment number (Reference No.). You can find the Reference No. in the Internet bank by selecting the bank account and clicking on “Statement.”
2. Via e-mail. Send a payment revocation request from your registered email to support@mano.bank, providing the following details: recipient, amount, date, Reference No.
3. At the bank branch. Visit the bank branch located at S. Moniuškos str. 27, LT-08115, Vilnius, and fill out a request form.
4. By phone. Call us +370 5 240 9389 and receive consultation on how to recall the payment in a way that is convenient for you.

A fee is charged for recalling a payment, regardless of whether the funds are returned, as specified in the Fees for business clients.

If the funds have already been credited to the beneficiary or the payment has been sent to the beneficiary’s bank, the funds can only be returned with the beneficiary’s consent.

Typically, the beneficiary’s response regarding consent or refusal to return the funds is received within 15 business days, but this may take longer in the case of an international payment.

Please contact customer service at support@mano.bank. The information letter must be sent from an email address registered in the bank’s systems.

When submitting a payment order via online bank, you can additionally attach documents related to the payments.
If you forget to do so, you can always provide us with additional documents by sending us a message via our online bank.

Please contact customer service at support@mano.bank. The information letter must be sent from an email address registered in the bank’s systems.

To block your access to the online bank immediately, please call +370 5 240 9389.

Please contact customer service at support@mano.bank. The information letter must be sent from an email address registered in the bank’s systems.

Please contact customer service at support@mano.bank. The information letter must be sent from an email address registered in the bank’s systems.

You can find the identification code in your Electronic Services Agreement with the bank.

At this moment we only grant loans secured by collateral. The collateral can be real estate or movable property, a surety and a guarantee from ILTE or EIF.

In case of ILTE or EIF guarantee, the loan part not guaranteed must be secured by a mortgage or by a collateral pledge of immovable property or other assets acceptable to the bank.

ILTE individual guarantee helps companies to obtain an investment or working capital loan for business development when the company itself does not have sufficient collateral.

ILTE guarantee is intended for SMEs and large companies.
Guarantee can be up to 80% of the total loan amount and not greater than:

• For SMEs up to EUR 5 million
• For large companies up to EUR 1,5 million
• Where road haulage activities are carried out or intended to be carried out for hire or compensation up to EUR 750,000

If several guarantees are received, the amount of the balances shall not exceed EUR 10,000,000.
Partial interest reimbursement is available for loans covered by the ILTE guarantee.

ILTE decides on the granting of the guarantee individually in each case. Upon receipt of the Bank’s approval for the provision of financing, Bank shall apply for an individual guarantee to ILTE – you do not have to do anything.

The European Investment Fund (EIF) is the main implementing partner of the InvestEU Fund, providing support to small and medium-sized enterprises (SMEs) to increase the competitiveness of Lithuanian and European businesses, accelerate economic and social development of the EU, promote private sector investments in the European Green Deal, and help overcome the economic fallout of the pandemic.

We provide loans backed by the guarantees of the EIF under three areas of the InvestEU program: loans aimed at strengthening the competitiveness of small and medium-sized enterprises, sustainability loans, and loans to companies operating in the culture and creative sectors.

Basic conditions:

• Guarantee rate: up to 70% of the loan balance
• Financing of working capital and investments in fixed assets
• Maximum amount to be financed: up to EUR 7,500,000; minimum: EUR 50,000
• Loan term: up to 12 years for investment loans and up to 4 years for working capital loans or credit lines

More information: Guarantees | Accounts, payments, financing | Mano Bank

Latest loan issuance date: 16 July 2027

In most cases up to a week, depending on how quickly and efficiently you can provide required documents (detailed financial reports, business plan, description of experience, information about shareholders etc.).

The loan proceeds are disbursed upon signing the agreement, providing the collateral provided for in the agreement and fulfilling other conditions set out in the agreement.

• Filled out loan application
• General manager’s national identity document
• Business incorporation documents
• Financial reports for the last 2 years
• Real estate evaluation (if applying with mortgage)
• Other documents depending on individual project

The size and term of the loan depends on the cash flows, the purpose of the loan and the collateral.

We provide loans for a wide range of businesses, but the company must be registered in Lithuania.

Yes. We also want to contribute to non-standard ideas, so please fill in the application form and we will contact you.

The bank finances commercial and passenger cars, trailers, agricultural and construction machinery, and a wide range of equipment and facilities.

Property can be either new or used.

The seller of the leased property may be any legal entity registered in Lithuania, as well as a natural person resident in Lithuania.

The property must comply with the specification and technical condition specified in the seller’s Commercial Offer; the bank has the right to request documents confirming this.

The property acquired through leasing must also be insured for the benefit of the bank for the entire duration of the leasing contract.

Vehicles at the end of the leasing period must be no more than 15 years old

• Completed leasing applications
• A commercial offer signed by the seller of the property containing detailed information on the property to be purchased
• Financial reports for the last 2 years

In individual cases, the bank may ask for additional documents depending on the specifics of your business or the property you are buying.

In this case, we offer a leaseback service.

Acquire the property with your own funds or with another short-term loan product and sell it to the Bank through a leaseback.

Yes, you can.

If you want to pay off your lease early, you will need to make a request by email at support@mano.bank.
We will send you the buyback details upon your request.

Please note that there is a buyback fee defined in the general part of the Leasing Agreement.

We do not, and currently only provide card payments in online shops.

The cost of the card payment settlement service is determined on a case-by-case basis, depending on the volume of card payments, the region, the types of cards, the card payment technology solution, etc.

To receive an offer, please contact the bank’s Customer Service Department at support@mano.bank or your account manager.

Funds from card payments are credited to the seller’s current account at the bank.
The seller is always credited in euros, regardless of the currency in which the cardholder paid.

• If you already have an account with our bank, you can quickly and easily make a term deposit by logging in to the internet bank.
• If you are a new client, please complete the deposit application online.
• Sign a term deposit agreement at the head office of Mano Bank at S. Moniuškos g. 27, Vilnius.
• You can deposit funds by bank transfer.

You can withdraw the interest accrued on the next business day after the last day of the term deposit agreement. For example, if your agreement expires on 3 November 2022, you can withdraw interest on 4 November.

You can transfer the interest accrued to your account at Mano Bank or any another bank.

Yes, you can terminate the contract at any time, but in that case the accrued interest is not paid out, you only get back the initial deposit.

You can deposit money into your Mano Bank deposit only in non-cash form:

• Make a bank transfer from any other financial institution.
• Open an account with Mano Bank and make a deposit using online banking.