Mano.bank BIC number is KUSRLT24. 

Here are instructions for receiving euro payments from outside of SEPA zone:  

Beneficiary Bank: KUSRLT24 
Beneficiary bank name: AB Mano bankas 
Bank address: S. Moniuskos str. 27, Vilnius, LT- 08115, Lithuania 

NOTE: KUSRLT24 is a direct member of TARGET2 

Account: LTXX50301200000000XX 
Name: Name Surname 
Address:  address 
 

There are two ways to open a bank account at mano.bank: 

1.    Online: fill out the application here https://account.mano.bank/. 

The process is split into different sections: 

•    Sign up to customer zone. Create a customer login for a secure application process.   
•    Personal information. Provide your personal details and complete remote identification.  
•    Company information. Fill out all the company information, partners and planned operations through mano.bank.   
•    Documents. Upload all the necessary documents.  
•    Services. Choose our services and operations limits.   
•    KYC/AML procedure. Once you provide us with all the required information, we will complete KYC/AML procedures on our side.   
•    Signing bank account contract. Provided we can proceed with the account opening, we will invite you to log back into your secure customer zone where you will be able to agree with our terms and conditions and virtually sign bank account agreements. 
 
2.    Visit us at our office: address S. Moniuskos str. 27, Vilnius, LT- 08115, Lithuania. 

Please bring a valid identity document and the necessary company documents with you. We will fill in the client questionnaire and sign all the necessary contracts.  

We've created a secure remote system for submitting and updating customer questionnaire information that allows customers to be served remotely.

If you are already a mano.bank customer, but have never used this remote customer questionnaire service at https://account.mano.bank/ you will need to register as a new customer.

1. Select "Business", "Bank Account" and your nationality

2. Create a secure connection:

2.1 Enter your email address and check your email for the confirmation link, click the link

2.2 Enter your mobile number and confirm it

2.3 Create a password

3. Answer all the questions on the screen

4. Verify your identity in one of three ways:

4.1 Document photos and selfy

4.2 Sign your identity document with a mobile signature

4.3 Sign your identity document with Smart-ID

5. Complete the form by providing information about your sources of income and activities

6. Submit the application for evaluation

If you have any questions, please contact onboarding@mano.bank

If you enter your email address prompts you to log in

It means we have already transferred your application to this new system. Please follow these steps:

1. Your login email is the email address that we use to communicate with you. 

2. Click "Forgot password" and we'll email you a link to confirm your email.

3. Click on the Confirm button in the email.

4. As part of your login process we will send you an SMS confirmation code to the mobile number that is associated with your bank account at mano.bank. If you don't have access to this number, please contact us at onboarding@mano.bank.

5. Once logged in, choose Update KYC for your bank account and follow the steps online. 

If you have opened bank account online

1. Log in to your account at https://account.mano.bank/login using your existing log in information or click "Forgot password".

2. Once logged in, choose "Update KYC".

3. Follow the steps online.

All documents have to be either in Lithuanian or English. 

All documents in "Incorporation" section have to be with apostille. Only documents from these countries don't need apostille: Lithuania, Latvia, Moldova, Ukraine and Russia.

During the online application we will ask you to upload the following documents: 

Incorporation (all incorporation documents have to be apostilled): 

•    Extract from the commercial registry 
•    Extract from an official shareholder registry 
•    Articles of association 
•    Proof of incorporation 
 
Business information 

•    Latest financial statement 
•    Description of business interests in Lithuania (form will be provided within the application) 
•    Business plan 
 
Structure and people 

•    Ownership structure 
•    Proof of director's appointment if not included in commercial registry     
•    If there is a management board ID documents of all directors 
•    UBOs’ ID documents 
•    Consent for managing UBOs’ personal information 
 
UBO - every person with more than 25% of shares or voting rights 
 
In case applying person is not a director 

•    Notarised power of attorney 
•    Applicant’s ID 
•    Managing director's ID documents 
•    Consent for managing director's personal information 
 
Financial institution information 

•    Wolfsbergs questionnaire (form will be provided within the application) 
•    Business plan / programme of operations provided to Bank of Lithuania (if you are applying for 
•    a licence) 
•    Financial institution licence 
•    AML/CTF/KYC Head of the department CV 
•    AML/CTF/KYC related procedures description with signatures and seals 
•    If not defined in procedures, indicate the number of AML/CTF/KYC employees and their job descriptions

You can find all our fees here: https://mano.bank/business/pricing 

Resident – companies registered in Lithuania and run by Lithuanian citizens. 
Non-resident – companies registered outside of Lithuania and run by citizens of the same country where company is registered. 
Financial companies – companies conducting any financial activities. 
International companies: 
•    A legal entity registered in the Republic of Lithuania (resident), whose shareholders and / or final beneficiaries are non-residents and such legal entity belongs to the group of legal entities operating in an international environment and whose activities and cash flows are significantly related to other group companies, and / or; 
•    "Legal person" means a non-resident who carries on an actual economic activity in an international environment or in the territory of several States, but does not carry out such activity in his country of establishment or is restricted by its instruments of incorporation or jurisdiction, and / or; 
•    The legal entity or its shareholders and / or final beneficiaries benefit from significant tax incentives, and / or; 
•    The legislation does not require the preparation and submission of the financial statements of a legal person to the supervisory authorities of the country concerned, including the annual financial statements. 

At this time, we're unable to open bank accounts for citizens or businesses in the following countries and jurisdictions:

We also do not service payments to and from the following countries and jurisdictions:

You can find all contracts for bank accounts here: https://mano.bank/business/legal-agreements/current-account-and-payments 
Deposit insurance terms: https://mano.bank/business/legal-agreements/deposits 
Privacy policy: https://mano.bank/privacy-policy 

Currently, we do not serve companies in the following industries:

• Activities of extraterritorial organizations and bodies
• Charity
• The arms industry
• Auction services
• Manufacture or trade of precious stones or jewellery

Mano.bank BIC code: KUSRLT24. 

To receive euros from anywhere outside the SEPA network, the following information must be provided: 

Beneficiary bank: KUSRLT24 
Beneficiary bank name: AB Mano bankas 
Bank address: S. Moniuskos str. 27, Vilnius, LT- 08115, Lithuania 

NOTE: KUSRLT24 is a direct member of TARGET2 

Account: LTXX50301200000000XX 
Name: Name Surname 
Address:  address 

You can attach payment-related documents while initiating payment through our online banking. Follow the below steps:

1. Fill out the payment details, select „Additional information“ and click „Continue“.

2. Select your attachments and upload them. You can attach more than one document. Click 'Continue.'

3. Uploaded documents should appear in the "Attachments" list. Confirm the payment after verifying your payment information.

To ensure successful same-day conversion of your selected currency, please complete the conversion by:

USD - 3:00 p.m.
CAD - 2:00 p.m.
AUD - 2:00 p.m.
GBP - 3:20 p.m.
PLN - 09:30 a.m.
CHF - 10:30 a.m.
DKK - 10:30 a.m.
SEK - 10:30 a.m.
NOK - 10:30 a.m.

Currently, you are only able to make payments in different currencies from your mano.bank account. Incoming payments can only be received in EUR.

You can make global payments in euros, British pounds, American and Canadian dollars, Mexican pesos and Czech koruna. 

You can only send Polish zlotys to Poland. 

You can only send Danish krone to Denmark. 

You can only send Norwegian kroner to Norway. 

You can only send Swedish krona to Sweden. 

You can only send Singapore dollars to Singapore. 

You can only send Hong Kong dollars to Hong Kong. 

If you can’t find the bank you need, please email us at hello@mano.bank. 

If you regularly make payments in a currency that we don't currently offer, please email us at hello@mano.bank and we'll consider including that currency to our services.

At this time, we're unable to open bank accounts for citizens or businesses in the following countries and jurisdictions:

We also do not service payments to and from the following countries and jurisdictions:

1. Sign a term deposit agreement at S. Moniuskos st. 27, Vilnius.

2. Deposit money in cash at a branch or by bank transfer.

You may withdraw your interest on the next business day after term deposit agreement ends. For example, if your contract expires in 2019. August 5, you can pick up interest on August 6.

There are two ways to open a bank account at mano.bank: 

1.    Online: fill out the application here https://account.mano.bank/. 

The process is split into different sections: 

•    Sign up to customer zone. Create a customer login for a secure application process.   
•    Personal information. Provide your personal details and complete remote identification.  
•    Company information. Fill out all the company information, partners and planned operations through mano.bank.   
•    Documents. Upload all the necessary documents.  
•    Services. Choose our services and operations limits.   
•    KYC/AML procedure. Once you provide us with all the required information, we will complete KYC/AML procedures on our side.   
•    Signing bank account contract. Provided we can proceed with the account opening, we will invite you to log back into your secure customer zone where you will be able to agree with our terms and conditions and virtually sign bank account agreements. 
 
2.    Visit us at our office: address S. Moniuskos str. 27, Vilnius, LT- 08115, Lithuania. 

Please bring a valid identity document and the necessary company documents with you. We will fill in the client questionnaire and sign all the necessary contracts.  

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 a you mano.bank deposit account in cash or by bank transfer. The beneficiary of the money must be your deposit account at AB „Mano bankas“.

Smart-ID is an easy-to-use identity and electronic signature app that is mainly used in Lithuania, Latvia and Estonia. It is a convenient alternative to code cards and PIN generators. Smart-ID is always on-the-go with you - on your smartphone or tablet.

How to use Smart-ID?

Download the app from Google Play or the Apple Store and sign up for an account with a mobile signature or through online banking. While using Smart-ID, you will be asked to enter the PIN1 code when connecting and the PIN2 code when confirming transactions (eg transfers).

Click here for more information on Smart-ID.

The M-signature is the equivalent of an identity document or signature that allows you to sign documents, authorize bank transfers, and confirm your identity using your mobile phone. This method of authentication is extremely quick and convenient - all you need is your smartphone.

How to use the M-signature?

The easiest way to use the M-signature is to have a contract with one of the mobile network providers: Bitė Lietuva, Telia or Tele2.

If you choose M-signature verification, first make sure your mobile phone displays the correct session number. The identification page on mano.bank will display a code you will need to enter to confirm your identity.

Video identification is a quick and easy way to verify your identity. All you need is a device with a working camera.

How to use video identification?

1. Click on "Video ID" and select your identity document (passport or ID card).

2. Allow access to your device's camera.

3. Take a photo of your passport or ID card (both-sided).

4. Take a selfie.

5. If everything is done correctly - your identity has been confirmed!

Watch a tutorial on how to use this identification method: on your computer, on your mobile phone.

At this moment we don’t lend without collateral. Accepted forms of collateral are mortgage, personal or business guarantee and INVEGA guarantee.

In case of INVEGA guarantee, the loan part not guaranteed by the state must be secured by a mortgage or personal or business guarantee.

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

INVEGA 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 operating less than 3 years up to €579 240,04
•    For SMEs operating more than 3 years up to €1 448 100,09
•    Large companies up to 1 500 000€

INVEGA decides on the granting of the guarantee individually in each case. Upon receipt of the Bank's approval for the provision of financing, the Bank shall apply for an individual guarantee.

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

•    Filled out credit application
•    General manager’s national identify documents
•    Business incorporation documents
•    Financial reports for the last 2 years
•    Real estate evaluation (if applying with mortgage)
•    And other documents depending on individual projects

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

No, a company must be registered in Lithuania to get a loan at mano.bank.

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