Pricing

Resident Non-Resident INTERNATIONAL OR FINANCIAL COMPANIES
Bank account
Opening bank account Free
Monthly admin €5
Closing bank account Free
Changing accounts, services, signatures and stamp sample cards €20
Online account statement Free
Account statement at a branch         €5
Keeping EUR currency balances in the account2 0,50 % / 360 d.1
Keeping non-EUR currency balances in the account3 1,00 % / 360 d.1

 

1The fee is calculated if the sum of all account balances in one financial institution at the end of each calendar day exceeds the specified limit. The fee is calculated at the end of each day: the total balance of the accounts that exceeds the set limit, multiplied by the absolute value of the corresponding amount in the table. The amount of tax calculated for the previous month is deducted by the 15th day of the next calendar month.

2The fee is applied for all  EUR currency balances, when aggregate amount of funds in EUR exceed €1,000,000.00. The fee is calculated for all client's funds in EUR held in client‘s accounts in AB „Mano bankas“.

3The fee is applied for all non-EUR currency balances, when aggregate amount of funds in non-EUR currencies exceed €1,000,000.00 equivalent according to the European Central Bank‘s rate of exchange. The fee is calculated for all client's funds in non-EUR currencies held in the client‘s accounts in AB „Mano bankas“.

From 2022-09-30

Opening bank account Free
Monthly admin1 5 €
Closing bank account Free
Account statement at a branch         5 €
Fee for keeping funds balances in EUR currency in the account2 0,5 % / 360 d.
Fee for keeping balances of funds in non-EUR currency in the account3 1,00 % / 360 d.
Monthly funds administration fee, when the client does not transfer funds to other accounts after the end of the business relationship 0,05 % (min. 5 €)

1For bussiness companies which have the loans from "Mano bankas" is free of charge        

2The fee is applied when the total balance of the client's funds in euros exceeds 1 million EUR. The fee is calculated from the total amount of the client's funds in euros in all the client's accounts in AB "Mano bankas".        

3The fee is applied when the total balance of the client's funds in other currencies exceeds 1 million EUR equivalent, calculated according to the ratio of the euro to the corresponding foreign currency published by the European Central Bank. The fee is calculated from the total amount of the client's funds in other currencies in all the client's accounts in AB "Mano bankas".        
 

Online payments

Incoming payments

Payments within mano.bank   Free
Eurozone payments (SEPA)   Free
International payments                                                            €5
Return of SEPA payments   €20
Cancellation, refund, or an adjustment of an incoming international payment (currency exchange can’t be cancelled)   €50 + foreign bank fees 

Outgoing payments

Payments within mano.bank   Free
Eurozone payments (SEPA)   Free
International payments in EUR, USD, CAD, AUD, CHF   €20
International payments in GBP   €10
International payments in PLN, DKK, SEK, NOK         €5
Forced write-off   €2
SEPA outgoing payment cancellation and investigation at the Customer's request and refund of the SEPA payment to the sender's bank       €20
International payment cancellation or editing (currency exchange can’t be cancelled)   €50 + receiving bank fees


All international payments are made on a SHA (shared charges) basis: payer - you pay mano.bank's fees and payee - receiving party pays fees charged by the payee’s bank. So payee will receive payment minus all fees charged by intermediary banks.

From 2022-09-30

Outgoing payments

Payments within mano.bank   Free
SEPA payments   0,40 €
SWIFT payments   20 €

Incoming payments

Payments within mano.bank   Free
SEPA payments   Free
SWIFT payments   0,1% (min. 5 €, max. 15 €)

SEPA payment - a payment transaction in euros between the payer and the payee when both of their payment service providers are SEPA countries and when these service providers are connected to the SEPA payment system.       

SWIFT payment - a payment transaction when the payer's or payee's payment service provider is located in a non-SEPA country or when these services are provided providers are not connected to the SEPA payment system.        

All SWIFT payments are processed as very urgent transfers and sent to the recipient's correspondent bank on the same business day.        

SEPA countries – European Union member states, United Kingdom, Switzerland, Monaco, San Marino, Andorra, Norway, Iceland, Liechtenstein.        
 

Payments at a branch

Outgoing payments

Payments within mano.bank   €2
Eurozone payments (SEPA)   €2
     
International payments made at the Bank's branch1 (fee type - SHA):    
EUR, USD, CAD, AUD, CHF   €40
PLN, DKK, NOK, SEK, GBP   €30
International payment cancellation or editing (currency exchange can’t be cancelled)   €50 + receiving bank fees

1Payments submitted to the Bank by 2.00 pm on a Banking Day are executed on the same day. Payments submitted after 14.00 are executed on the next Bank business day.

From 2022-09-30

Outgoing payments

Payments within mano.bank   2 €
SEPA payments   2 €
SWIFT payments   20 €

Incoming payments

Payments within mano.bank   Free
SEPA payments   Free
SWIFT payments   0,1% (min. 5 €, max. 15 €)

SEPA payment - a payment transaction in euros between the payer and the payee when both of their payment service providers are SEPA countries and when these service providers are connected to the SEPA payment system.       

SWIFT payment - a payment transaction when the payer's or payee's payment service provider is located in a non-SEPA country or when these services are provided providers are not connected to the SEPA payment system.        

All SWIFT payments are processed as very urgent transfers and sent to the recipient's correspondent bank on the same business day.        

SEPA countries – European Union member states, United Kingdom, Switzerland, Monaco, San Marino, Andorra, Norway, Iceland, Liechtenstein.        
 

Term deposit
Term
Interest
9 months*** 0,65%
12 months 1,35%
18 months*** 1,40%
24 months 1,70%
36 months 1,75%
48 months 1,80%
60 months 1,85%

* Term deposits of more than EUR 100,000.00 may be subject to individual duration and pricing.
** The maximum term deposit amount is 1,000,000.00 EUR
*** We no longer offer these terms to new customer. It will only apply for automatically renewed contracts.

Confirmations, certificates and other information
Copy of international payment or SWIFT transfer €15
Confirmation of additional payment transaction €2
Investigation of international payment transfer execution €20
A substantial change in the company's information e.g. ownership structure €200
Other certificates €15
Reports for external auditors €50

From 2022-09-30 

Refund of a received SEPA or SWIFT payment as per customer's request 50 €
Return of a sent SEPA or SWIFT payment 50 €
SEPA or SWIFT payment cancellation, adjustment or fulfillment investigation 50 € + foreign bank charges
Forced write-off 2 €
Copy of international payment or SWIFT transfer 15 €
Reports for external auditors as per customer‘s request 100 €
Other certificates and letters, with the provision of daily services 15 €
Cash operations
Withdrawal at a branch 0.8% (min. €2)1
Cash deposit at a branch when the amount is equal to or does not exceed €8 000/day €22
Cash deposit at a branch of €8 000/day or more 0.05%2

1The cash withdrawal fee is not applied to term deposit agreements signed before 2018.03.14.

2If the funds are deposited to conclude a term / accumulative deposit agreement, to pay a credit installment granted by the Bank, or other payments under a credit agreement, the fee is not applied.

From 2022-09-30

Cash withdrawal5 1% of the amount (min. 5€)
Cash deposit6 0,2% of the amount (min. 5 €)

5When paying out the account balance to a customer closing a current account, no cash withdrawal fee is applied if the value of the paid-out balance is 5 EUR or less.        

6If the funds are deposited with the purpose of concluding a fixed-term deposit agreement, paying the installment of a credit granted by the bank or other payments under the credit agreement, the tax is not applicable.         

Credit agreements
Credit agreement 1% min. €400
Agreement modification 1% min. €300
Commitment fee From 1%
Lending project analysis, evaluation From 0,5%, min. 250€
Real estate survey and assessment of target credit utilisation €180
Periodic valuation of mortgaged property by the Bank €50/piece
Valuation of mortgaged property by an independent officer Depends on their fees
Consent to subordinated pledge, change of credit schedule with early repayment 1%, min. €200
Early repayment 1% of the returned amount
Refinancing 1% of returned amount, min. €500
Disbursement for businesses* €20
Monthly admin for businesses €20
Disbursement for farmers* €20
Monthly admin for farmers €10
Change of the date of payment of contributions and / or interest €30
Issuance of letters, consents €50
Letter of default €40
Release of mortgage/pledge €50
Issuance of a guarantee €1 000
Interest on late payments From 0.1%/day

*Credit disbursement fee is only applicable for credits that are paid out in separate installments.

From 2022-09-30

Credit agreement 1% of credit amount, min. 400 € 
Credit agreement modification1 From 0,5% of credit amount, min. 300 €
Change of the date of payment (contributions and / or interest) 30 €
Commitment fee From 1% of undisbursed credit amount
Lending project analysis and evaluation From 0,5% of credit amount, min. 250 €
Real estate and / or other collateral inspectation by the Bank 100 €
Valuation of mortgaged / mortaging property by the Bank:  
Real estate of one property unit (apartment, premises, land) 50 €
Real estate of more than one property units (apartament/private house/ premises/land with other belongings) 80 €
Movable property unit (office and/or household appliances, machines, equipment, vehicles) 20 €
The production or technological line of the movable property complex 80 €
Valuation of mortgaged property by an independent officer Depends on their fees
Consent to subordinated pledge Min. 250  € 
Early repayment 1% of returned amount
Refinancing 1% of returned amount, min. 500  € 
Monthly admin 20 €/mėn 
Credit disbursement fee2 20 €/mėn 
Other fees:  
Issuance of letters / consents From 50 €
Letter of default 40 €
Release of mortgage/pledge 50 €
Issuance of a guarantee From 0,5% of guarantee amount,  min. 500 €
Interest on late payments From 0,1%/d.

1The specific amount of the applicable rate depends on the type of conditions being exchanged.    

2The credit disbursement fee is applied for each disbursement, when the credit is disbursed in installments (the fee is not applied if the credit is paid out in one disbursement). 

Bank account
Opening bank account €300
Customer data check (KYC procedure) €200
Monthly admin €10
Closing bank account Free
Changing accounts, services, signatures and stamp sample cards €20
Online account statement Free
Account statement at a branch         €5

 

Keeping EUR currency balances in the account2 Fee1
0.01 - 100,000.00 EUR 0,50 % / 360 d.
100,000.01 - 1,000,000.00 EUR 1,00 % / 360 d.
1,000,000.01 - 3,000,000.00 EUR 1,25 % / 360 d.
3,000,000.01 - 10,000,000.00 EUR 1,50 % / 360 d.
10,000,000.01 EUR+ 2,50 % / 360 d.

 

Keeping non-EUR currency balances in the account3 Fee1
0.01 - 100,000.00 EUR 1,50 % / 360 d.
100,000.01 - 1,000,000.00 EUR 3,00 % / 360 d.
1,000,000.01 - 3,000,000.00 EUR 5,00 % / 360 d.
3,000,000.01 - 10,000,000.00 EUR 8,00 % / 360 d.
10,000,000.01 EUR+ 10,00 % / 360 d.

 

1The fee is calculated if the sum of all account balances in one financial institution at the end of each calendar day exceeds the specified limit. The fee is calculated at the end of each day: the total balance of the accounts that exceeds the set limit, multiplied by the absolute value of the corresponding amount in the table. The amount of tax calculated for the previous month is deducted by the 15th day of the next calendar month.

2The fee is applied for all client‘s funds based on the below-indicated amount. The fee is calculated for all client's funds in EUR held in the client‘s accounts in AB „Mano bankas“

3The fee is applied for all non-EUR client‘s funds based on the below-indicated amount. The fee is calculated for all client's funds in non-EUR currencies held in the client‘s accounts in AB „Mano bankas“.

From 2022-09-30

Opening bank account     €300
Initial KYC check-up1     €500
A substantial change in the company ‘s information e.g. ownership structure     €200
Monthly admin1     €50
Closing bank account     €100
Account statement at a branch     €5
Monthly funds administration fee, when the client does not transfer funds to other accounts after the end of the business relationship     0,05 % (min. 5 €)

 

Keeping EUR currency balances of funds  in the account2 Rate4
0.01 - 100,000.00 EUR 1,00 % / 360 d.
100,000.01 - 1,000,000.00 EUR 1,50 % / 360 d.
1,000,000.01 - 3,000,000.00 EUR 2,00 % / 360 d.
3,000,000.01 - 6,000,000.00 EUR 2,25 % / 360 d.
6,000,000.01 - 10,000,000.00 EUR 2,50 % / 360 d.
10,000,000.01 EUR+ 3,00 % / 360 d.

 

Keeping non-EUR currency balances of funds in the account3 Rate4
0.01 - 100,000.00 EUR 1,50 % / 360 d.
100,000.01 - 1,000,000.00 EUR 3,00 % / 360 d.
1,000,000.01 - 3,000,000.00 EUR 5,00 % / 360 d.
3,000,000.01 - 6,000,000.00 EUR  6,50 % / 360 d.
6,000,000.01 - 10,000,000.00 EUR 8,00 % / 360 d.
10,000,000.01 EUR+ 10,00 % / 360 d.

 

1For business companies which have  loans from "Mano bankas" it is free of charge.

2The fee is applied to the total amount of funds held by the client in euros in all client's accounts in AB "Mano bankas".

3The fee is applied on all funds held by the client in other currencies in all client accounts in AB "Mano bankas", the equivalent amount of euros, calculated according to the ratio of the euro to the corresponding foreign currency published by the European Central Bank.

Online payments

Incoming payments

Payments within mano.bank   Free
Eurozone payments (SEPA)   €0.30
International payments                                                            €5
Return of SEPA payments   €20
Cancellation, refund, or an adjustment of an incoming international payment (currency exchange can't be cancelled)   €50 + foreign bank fees

Outgoing payments

Payments within mano.bank   Free
Eurozone payments (SEPA)   €0.50
International payments in EUR, USD, CAD, AUD, CHF   €30
International payments in GBP, CZK, PLN, DKK, SEK, NOK         €20
Forced write-off   €2
SEPA outgoing payment cancellation and investigation at the Customer's request and refund of the SEPA payment to the sender's bank       €20
International payment cancellation or editing (currency exchange can’t be cancelled)   €50 + receiving bank fees

 

From 2022-09-30

Incoming payments

Payments within mano.bank Free
SEPA payments €0,60
SWIFT payments 0,1% (min.  5 €, max. 15 € )

Outgoing payments

Payments within mano.bank Free
SEPA payments €1,00
SWIFT payments €20

SEPA payment - a payment transaction in euros between the payer and the payee when both of their payment service providers are SEPA countries and when these service providers are connected to the SEPA payment system.        

SWIFT payment - a payment transaction when the payer's or payee's payment service provider is located in a non-SEPA country or when these services are provided providers are not connected to the SEPA payment system.        

All SWIFT payments are processed as very urgent transfers and sent to the recipient's correspondent bank on the same business day.        

SEPA countries – European Union member states, United Kingdom, Switzerland, Monaco, San Marino, Andorra, Norway, Iceland, Liechtenstein.        

Payments at a branch

Outgoing payments

Payments within mano.bank   €2
Eurozone payments (SEPA)   €2
     
International payments made at the Bank's branch1 (fee type - SHA):    
EUR, USD, CAD, AUD, CHF   €40
PLN, DKK, NOK, SEK, GBP   €30
International payment cancellation or editing (currency exchange can’t be cancelled)   €50 + receiving bank fees

1Payments submitted to the Bank by 2.00 pm on a Banking Day are executed on the same day. Payments submitted after 14.00 are executed on the next Bank business day.

From 2022-09-30

Outgoing payments

Payments within mano.bank   €2
SEPA payments   €2
SWIFT payments   €20

Incoming payments

Payments within mano.bank   Free
SEPA payments   €0,60
SWIFT payments   0,1% (min. 5 €, max. 15 €)

SEPA payment - a payment transaction in euros between the payer and the payee when both of their payment service providers are SEPA countries and when these service providers are connected to the SEPA payment system.        

SWIFT payment - a payment transaction when the payer's or payee's payment service provider is located in a non-SEPA country or when these services are provided providers are not connected to the SEPA payment system.        

All SWIFT payments are processed as very urgent transfers and sent to the recipient's correspondent bank on the same business day.        

SEPA countries – European Union member states, United Kingdom, Switzerland, Monaco, San Marino, Andorra, Norway, Iceland, Liechtenstein.        

 

Term deposit
Term
Interest
9 months*** 0,65%
12 months 1,35%
18 months*** 1,40%
24 months 1,70%
36 months 1,75%
48 months 1,80%
60 months 1,85%

* Term deposits of more than EUR 100,000.00 may be subject to individual duration and pricing.
** The maximum term deposit amount is 1,000,000.00 EUR
*** We no longer offer these terms to new customer. It will only apply for automatically renewed contracts.

Confirmations, certificates and other information
Copy of international payment or SWIFT transfer €15
Confirmation of additional payment transaction €2
Investigation of international payment transfer execution €20
A substantial change in the company's information e.g. ownership structure €200
Other certificates €15
Reports for external auditors €50

 

From 2022-09-30

Refund of a received SEPA or SWIFT payment as per customer's request €50
Return of a sent SEPA or SWIFT payment €50
SEPA or SWIFT payment cancellation, adjustment or fulfillment investigation €50 + foreign bank charges
Forced write-off €2
Copy of international payment or SWIFT transfer €15
Reports for external auditors as per customer‘s request €100
Other certificates and letters, with the provision of daily services €15
Cash operations
Withdrawal at a branch 0.8% (min. €2)1
Cash deposit at a branch when the amount is equal to or does not exceed €8 000/day €22
Cash deposit at a branch of €8 000/day or more 0.05%2

1The cash withdrawal fee is not applied to term deposit agreements signed before 2018.03.14.

2If the funds are deposited to conclude a term / accumulative deposit agreement, to pay a credit installment granted by the Bank, or other payments under a credit agreement, the fee is not applied.

 

From 2022-09-30

Cash withdrawal6 1% of the amount (min. 5€)
Cash deposit7 0,2% of the amount (min.  5 € )

6When paying out the account balance to a customer closing a current account, no cash withdrawal fee is applied if the value of the paid-out balance is 5 EUR or less.

7If the funds are deposited with the purpose of concluding a fixed-term deposit agreement, paying the installment of a credit granted by the bank or other payments under the credit agreement, the tax is not applicable.

Credit agreements
Credit agreement 1% min. €400
Agreement modification 1% min. €300
Commitment fee From 1%
Lending project analysis, evaluation From 0,5%, min. 250€
Real estate survey and assessment of target credit utilisation €180
Periodic valuation of mortgaged property by the Bank €50/piece
Valuation of mortgaged property by an independent officer Depends on their fees
Consent to subordinated pledge, change of credit schedule with early repayment 1%, min. €200
Early repayment 1% of the returned amount
Refinancing 1% of returned amount, min. €500
Disbursement for businesses* €20
Monthly admin for businesses €20
Disbursement for farmers* €20
Monthly admin for farmers €10
Change of the date of payment of contributions and / or interest €30
Issuance of letters, consents €50
Letter of default €40
Release of mortgage/pledge €50
Issuance of a guarantee €1 000
Interest on late payments From 0.1%/day

*Credit disbursement fee is only applicable for credits that are paid out in separate installments.

From 2022-09-30

Credit agreement 1% of credit amount, min. 400 € 
Credit agreement modification1 From 0,5% of credit amount, min. 300 €
Change of the date of payment (contributions and / or interest) 30 €
Commitment fee From 1% of undisbursed credit amount
Lending project analysis and evaluation From 0,5% of credit amount, min. 250 €
Real estate and / or other collateral inspectation by the Bank 100 €
Valuation of mortgaged / mortaging property by the Bank:  
Real estate of one property unit (apartment, premises, land) 50 €
Real estate of more than one property units (apartament/private house/ premises/land with other belongings) 80 €
Movable property unit (office and/or household appliances, machines, equipment, vehicles) 20 €
The production or technological line of the movable property complex 80 €
Valuation of mortgaged property by an independent officer Depends on their fees
Consent to subordinated pledge Min. 250  € 
Early repayment 1% of returned amount
Refinancing 1% of returned amount, min. 500  € 
Monthly admin 20 €/mėn 
Credit disbursement fee2 20 €/mėn 
Other fees:  
Issuance of letters / consents From 50 €
Letter of default 40 €
Release of mortgage/pledge 50 €
Issuance of a guarantee From 0,5% of guarantee amount,  min. 500 €
Interest on late payments From 0,1%/d.

1The specific amount of the applicable rate depends on the type of conditions being exchanged.    

2The credit disbursement fee is applied for each disbursement, when the credit is disbursed in installments (the fee is not applied if the credit is paid out in one disbursement). 

Bank account
Opening bank account €300
Customer data check (KYC procedure) from €500
Initial KYC check (financial companies) €500
Monthly admin €30
Closing bank account Free
Changing accounts, services, signatures, and stamp sample cards €20
Online account statement Free
Account statement at a branch         €5

 

Keeping EUR currency balances in the account2 Fee1
0.01 - 100,000.00 EUR 1,00 % / 360 d.
100,000.01 - 1,000,000.00 EUR 1,50 % / 360 d.
1,000,000.01 - 3,000,000.00 EUR 1,75 % / 360 d.
3,000,000.01 - 10,000,000.00 EUR 2,00 % / 360 d.
10,000,000.01 EUR+ 3,00 % / 360 d.

 

Keeping non-EUR currency balances in the account3 Fee1
0.01 - 100,000.00 EUR 1,50 % / 360 d.
100,000.01 - 1,000,000.00 EUR 3,00 % / 360 d.
1,000,000.01 - 3,000,000.00 EUR 5,00 % / 360 d.
3,000,000.01 - 10,000,000.00 EUR 8,00 % / 360 d.
10,000,000.01 EUR+ 10,00 % / 360 d.

 

1The fee is calculated if the sum of all account balances in one financial institution at the end of each calendar day exceeds the specified limit. The fee is calculated at the end of each day: the total balance of the accounts that exceeds the set limit, multiplied by the absolute value of the corresponding amount in the table. The amount of tax calculated for the previous month is deducted by the 15th day of the next calendar month.

2The fee is applied for all client‘s funds based on the below-indicated amount. The fee is calculated for all client's funds in EUR held in client‘s accounts in AB „Mano bankas“.

3The fee is applied for all non-EUR client‘s funds based on the below-indicated amount. The fee is calculated for all client's funds in non-EUR currencies held in the client‘s accounts in AB „Mano bankas“.

From 2022-09-30

Opening bank account 500 €
Customer data check, identifying the client From 1000 €
Initial KYC check-up 500 €
A substantial change in the company ‘s information e.g. ownership structure 200 €
Monthly admin 70 €
Closing bank account 100 €
Account statement at a branch         5 €
Monthly funds administration fee, when the client does not transfer funds to other accounts after the end of the business relationship 0,05 % (min. 5 €)

 

Keeping EUR currency balances of funds  in the account2 Rate4
0.01 - 100,000.00 EUR 1,00 % / 360 d.
100,000.01 - 1,000,000.00 EUR 1,50 % / 360 d.
1,000,000.01 - 3,000,000.00 EUR 2,00 % / 360 d.
3,000,000.01 - 6,000,000.00 EUR  2,25 % / 360 d.
6,000,000.01 - 10,000,000.00 EUR 2,50% / 360 d. 
10,000,000.01 EUR+ 3,00 % / 360 d.

 

Keeping non-EUR currency balances of funds in the account3 Rate4
0.01 - 100,000.00 EUR 1,50 % / 360 d.
100,000.01 - 1,000,000.00 EUR 3,00 % / 360 d.
1,000,000.01 - 3,000,000.00 EUR 5,00 % / 360 d
3,000,000.01 - 6,000,000.00 EUR  6,50 % / 360 d.
6,000,000.01 - 10,000,000.00 EUR 8,00 % / 360 d.
10,000,000.01 EUR+ 10,00 % / 360 d.

1This fee applies to financial institutions and companies whose main activities are gambling and cryptocurrency trading. After the bank and the customer make a decision to open an account, the amount of this fee will not be reduced by the data verification fee.        

2The fee is applied to the total amount of funds held by the client in euros in all client's accounts in AB "Mano bankas". 

3The fee is applied on all funds held by the client in other currencies in all client accounts in AB "Mano bankas", the equivalent amount of euros, calculated according to the ratio of the euro to the corresponding foreign currency published by the European Central Bank.     

4The fee is calculated if at the end of each calendar day the sum of all account balances of one financial institution is greater than the specified limit. The fee is calculated at the end of each day on the total balance of the accounts, which exceeds the set limit, by multiplying it by the absolute value of the corresponding amount specified in the table, i.e. module. The tax amount calculated for the previous month is written off until the 15th day of the next calendar month.         

Safeguarding and correspondent account

Safeguarding account

Opening safeguarding account1 Free 
Monthly admin fee2 €200

 

Correspondent account

Opening correspondent account1 €200
Monthly admin fee2 €200
Closing correspondent account €100

 

Keeping EUR currency balances in the account3 Fee
0.01 - 100,000.00 EUR 1,00 % / 360 d.
100,000.01 - 1,000,000.00 EUR 1,50 % / 360 d.
1,000,000.01 - 3,000,000.00 EUR 1,75 % / 360 d.
3,000,000.01 - 10,000,000.00 EUR 2,00 % / 360 d.
10,000,000.01 EUR+ 3,00 % / 360 d.

 

Keeping non-EUR currency balances in the account4 Fee
0.01 - 100,000.00 EUR 1,50 % / 360 d.
100,000.01 - 1,000,000.00 EUR 3,00 % / 360 d.
1,000,000.01 - 3,000,000.00 EUR 5,00 % / 360 d.
3,000,000.01 - 10,000,000.00 EUR 8,00 % / 360 d.
10,000,000.01 EUR+ 10,00 % / 360 d.

 

1A safeguarding or a correspondent account may be opened only with a current account at the Bank which will be used to charge fees for the deposit account.

2If the customer has more than 1 safeguarding account, this fee will be applied collectively for handling all customer's safeguarding accounts. 

3The fee is applied for all client‘s funds based on the below-indicated amount. The fee is calculated for all client's funds in EUR held in client‘s accounts in AB „Mano bankas“.

4The fee is applied for all non-EUR client‘s funds based on the below-indicated amount. The fee is calculated for all client's funds in non-EUR currencies held in client‘s accounts in AB „Mano bankas“.

From 2022-09-30

Safeguarding account     

Opening safeguarding account 500 €
Monthly admin 200 €/month

 

Correspondent account

Opening correspondent account 500 €
Monthly admin 200 €/month

 

Keeping EUR currency balances of funds  in the account2 Rate4
0.01 - 100,000.00 EUR 1,00 % / 360 d.
100,000.01 - 1,000,000.00 EUR 1,50 % / 360 d.
1,000,000.01 - 3,000,000.00 EUR 2,00 % / 360 d.
3,000,000.01 - 6,000,000.00 EUR  2,25 % / 360 d.
6,000,000.01 - 10,000,000.00 EUR 2,50% / 360 d. 
10,000,000.01 EUR+ 3,00 % / 360 d.

 

Keeping non-EUR currency balances of funds in the account3 Rate4
0.01 - 100,000.00 EUR 1,50 % / 360 d.
100,000.01 - 1,000,000.00 EUR 3,00 % / 360 d.
1,000,000.01 - 3,000,000.00 EUR 5,00 % / 360 d
3,000,000.01 - 6,000,000.00 EUR  6,50 % / 360 d.
6,000,000.01 - 10,000,000.00 EUR 8,00 % / 360 d.
10,000,000.01 EUR+ 10,00 % / 360 d.

2The fee is applied to the total amount of funds held by the client in euros in all client's accounts in AB "Mano bankas".      

3The fee is applied on all funds held by the client in other currencies in all client accounts in AB "Mano bankas", the equivalent amount of euros, calculated according to the ratio of the euro to the corresponding foreign currency published by the European Central Bank.

4The fee is calculated if at the end of each calendar day the sum of all account balances of one financial institution is greater than the specified limit. The fee is calculated at the end of each day on the total balance of the accounts, which exceeds the set limit, by multiplying it by the absolute value of the corresponding amount specified in the table, i.e. module. The tax amount calculated for the previous month is written off until the 15th day of the next calendar month.         

Online payments

Incoming payments

Payments within mano.bank   Free
Eurozone payments (SEPA)   €0.30
International payments                                                            €5
Return of SEPA payments   €20 
Cancellation, refund, or an adjustment of an incoming international payment (currency exchange can’t be cancelled)   €50 + foreign bank fees

Outgoing payments

Payments within mano.bank   Free
Eurozone payments (SEPA)   €0.50
International payments in EUR, USD, CAD, AUD, CHF   €30
International payments in GBP, PLN, DKK, SEK, NOK         €20
Forced write-off   €2
SEPA outgoing payment cancellation and investigation at the Customer's request and refund of the SEPA payment to the sender's bank          €20
International payment cancellation or editing (currency exchange can’t be cancelled)   €50 + receiving bank fees


All international payments are made on a SHA (shared charges) basis: payer - you pay mano.bank's fees and payee - receiving party pays fees charged by the payee’s bank. So payee will receive payment minus all fees charged by intermediary banks.

From 2022-09-30

Outgoing payments

Payments within mano.bank   Free
SEPA payments   1,00 €
SWIFT payments   30 €

Incoming payments

Payments within mano.bank   Free
SEPA payments   0,60 €
SWIFT payments   0,1% (min. 5 €, max. 15 €)

SEPA payment - a payment transaction in euros between the payer and the payee when both of their payment service providers are SEPA countries and when these service providers are connected to the SEPA payment system.        

SWIFT payment - a payment transaction when the payer's or payee's payment service provider is located in a non-SEPA country or when these services are provided providers are not connected to the SEPA payment system.        

All SWIFT payments are processed as very urgent transfers and sent to the recipient's correspondent bank on the same business day.        

SEPA countries – European Union member states, United Kingdom, Switzerland, Monaco, San Marino, Andorra, Norway, Iceland, Liechtenstein.         

Payments at a branch

Outgoing payments

Payments within mano.bank   €2
Eurozone payments (SEPA)   €2
     
International payments made at the Bank's branch1 (fee type - SHA):    
EUR, USD, CAD, AUD, CHF   €40
PLN, DKK, NOK, SEK, GBP   €30
International payment cancellation or editing (currency exchange can’t be cancelled)   €50 + receiving bank fees

1Payments submitted to the Bank by 2.00 pm on a Banking Day are executed on the same day. Payments submitted after 14.00 are executed on the next Bank business day.

From 2022-09-30

Outgoing payments

Payments within mano.bank   2 €
SEPA payments   2 €
SWIFT payments   30 €

Incoming payments

Payments within mano.bank   Free
SEPA payments   0,60 €
SWIFT payments   0,1% (min. 5 €, max. 15 €)

SEPA payment - a payment transaction in euros between the payer and the payee when both of their payment service providers are SEPA countries and when these service providers are connected to the SEPA payment system.        

SWIFT payment - a payment transaction when the payer's or payee's payment service provider is located in a non-SEPA country or when these services are provided providers are not connected to the SEPA payment system.        

All SWIFT payments are processed as very urgent transfers and sent to the recipient's correspondent bank on the same business day.        

SEPA countries – European Union member states, United Kingdom, Switzerland, Monaco, San Marino, Andorra, Norway, Iceland, Liechtenstein.         

Term deposit
Term
Interest
9 months*** 0,15%
12 months 0,20%
18 months*** 0,25%
24 months 0,30%
36 months 0,40%
48 months 0,45%
60 months 0,50%

* Term deposits of more than EUR 100,000.00 may be subject to individual duration and pricing.
** The maximum term deposit amount is 1,000,000.00 EUR
*** We no longer offer these terms to new customer. It will only apply for automatically renewed contracts.

Confirmations, certificates and other information
Copy of international payment or SWIFT transfer €15
Confirmation of additional payment transaction €2
Investigation of international payment transfer execution €20
A substantial change in the company's information e.g. ownership structure €200
Other certificates €15
Reports for external auditors €50

From 2022-09-30 

Refund of a received SEPA or SWIFT payment as per customer's request 50 €
Return of a sent SEPA or SWIFT payment 50 €
SEPA or SWIFT payment cancellation, adjustment or fulfillment investigation 50 € + foreign bank charges    
Forced write-off 2 €
Copy of international payment or SWIFT transfer 15 €
Reports for external auditors as per customer‘s request 100 €
Certificate for opening a capital account 100 €
Letter of intent to financial institution 100 €
Confirmation letter of a safeguarding account to financial institution 500 €
Other certificates and letters, with the provision of daily services 15 €
Cash operations
Withdrawal at a branch 0.8% (min. €2)1
Cash deposit at a branch when the amount is equal to or does not exceed €8 000/day €22
Cash deposit at a branch of €8 000/day or more 0.05%2

1The cash withdrawal fee is not applied to term deposit agreements signed before 2018.03.14.

2If the funds are deposited to conclude a term / accumulative deposit agreement, to pay a credit installment granted by the Bank, or other payments under a credit agreement, the fee is not applied.

From 2022-09-30

Cash withdrawal6 1% of the amount (min. 5€)    
Cash deposit7 0,2% of the amount (min. 5 €)

6When paying out the account balance to a customer closing a current account, no cash withdrawal fee is applied if the value of the paid-out balance is 5 EUR or less.        

7If the funds are deposited with the purpose of concluding a fixed-term deposit agreement, paying the installment of a credit granted by the bank or other payments under the credit agreement, the tax is not applicable.         

Credit agreements
Credit agreement 1% min. €400
Agreement modification 1% min. €300
Commitment fee From 1%
Lending project analysis, evaluation From 0,5%, min. 250€
Real estate survey and assessment of target credit utilisation €180
Periodic valuation of mortgaged property by the Bank €50/piece
Valuation of mortgaged property by an independent officer Depends on their fees
Consent to subordinated pledge, change of credit schedule with early repayment 1%, min. €200
Early repayment 1% of the returned amount
Refinancing 1% of returned amount, min. €500
Disbursement for businesses* €20
Monthly admin for businesses €20
Disbursement for farmers* €20
Monthly admin for farmers €10
Change of the date of payment of contributions and / or interest €30
Issuance of letters, consents €50
Letter of default €40
Release of mortgage/pledge €50
Issuance of a guarantee €1 000
Interest on late payments From 0.1%/day

*Credit disbursement fee is only applicable for credits that are paid out in separate installments.

From 2022-09-30

Credit agreement 1% of credit amount, min. 400 € 
Credit agreement modification1 From 0,5% of credit amount, min. 300 €
Change of the date of payment (contributions and / or interest) 30 €
Commitment fee From 1% of undisbursed credit amount
Lending project analysis and evaluation From 0,5% of credit amount, min. 250 €
Real estate and / or other collateral inspectation by the Bank 100 €
Valuation of mortgaged / mortaging property by the Bank:  
Real estate of one property unit (apartment, premises, land) 50 €
Real estate of more than one property units (apartament/private house/ premises/land with other belongings) 80 €
Movable property unit (office and/or household appliances, machines, equipment, vehicles) 20 €
The production or technological line of the movable property complex 80 €
Valuation of mortgaged property by an independent officer Depends on their fees
Consent to subordinated pledge Min. 250  € 
Early repayment 1% of returned amount
Refinancing 1% of returned amount, min. 500  € 
Monthly admin 20 €/mėn 
Credit disbursement fee2 20 €/mėn 
Other fees:  
Issuance of letters / consents From 50 €
Letter of default 40 €
Release of mortgage/pledge 50 €
Issuance of a guarantee From 0,5% of guarantee amount,  min. 500 €
Interest on late payments From 0,1%/d.

1The specific amount of the applicable rate depends on the type of conditions being exchanged.    

2The credit disbursement fee is applied for each disbursement, when the credit is disbursed in installments (the fee is not applied if the credit is paid out in one disbursement).