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
Online payments

Incoming payments

Payments within mano.bank Free
Eurozone payments (SEPA) Free
International payments                                                          €5
Return of SEPA payments (currency exchange can’t be cancelled) €5
Return of SWIFT payments (currency exchange can’t be cancelled) €20

Outgoing payments

Payments within mano.bank Free
Eurozone payments (SEPA) Free
International payments in EUR, USD, SGD, HKD, CAD, MXN €20
International payments in GBP, CZK €10
International payments in PLN, DKK, SEK, NOK       €5
Forced write-off €2
SEPA payment cancellation before it is sent out €2
International payment cancellation or editing before it is sent out (currency exchange can’t be cancelled) €50
International payment cancellation or editing after it is sent out (currency exchange can’t be cancelled) €50 + receiving bank fees

If you can't find your currency or destination bank, please email us at hello@mano.bank.
All international euro 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.

Payments at a branch

Outgoing payments

Payments within mano.bank €2
Eurozone payments (SEPA) €2
SHA payment                                                     €20
Fast SHA payment €40
Extra fast SHA payment €80
OUR payment €30
Fast OUR payment  €50
Extra fast OUR payment €90
Regular, fast and extra fast BEN payment Free
International payment cancellation or editing before it is sent out (currency exchange can’t be cancelled) €50
International payment cancellation or editing after it is sent out (currency exchange can’t be cancelled) €50 + receiving bank fees

Ordinary international payments submitted before 4 pm on a working day will be transferred to beneficiary or correspondent bank account in 2 working days.
Fast payments submitted before 2.30 pm on a working day will be transferred to beneficiary or correspondent bank account in 1 working day.
Extra fast payments submitted before 2 pm on a working day will be transferred to beneficiary or correspondent bank account on the same day.

 

Term deposit
Term
Interest
From 1 month     0.10%
From 3 months   0.30%
From 6 months 0.50%
From 9 months 0.90%
From 12 months 1.30%
From 18 months 1.50%
From 24 months 1.70%
From 36 months 1.90%
From 48 months 2.00%
From 60 months 2.20%

Minimum term deposit amount is €500

Seniors and loyal customers are subject to a 0.02% higher interest rate

Choosing to get interest paid more often than every 6 months will decrease the interest rate by 0.2%

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
Substantial change in company's information e.g. ownership structure €200
Other certificates €15
Reports for external auditors €50
Cash operations
Withdrawal at a branch 0.8% (min. €2)*
Deposit at a branch up to 8 000€/day €2**
Deposit at a branch above 8 000€/day 0.05%**

*cash withdrawal fee is not applied to term deposits agreements signed before 2018.03.14

**the fee is not applied in case cash is deposited under a term deposit agreement

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 independent officer Depends on their fees
Consent to subordinated pledge, change of credit schedule with early repayment 1%, min. €200
Early repayment 1% of 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 disbursment fee is only applicable for credits that are paid out in separate instalments

Commercial loans
Credit agreement 1% min. €300
Agreement modification 0.5% min. €200
Commitment fee From 1%
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 independent officer Depends on their fees
Consent to subordinated pledge 1%, min. €200
Early repayment 1% of returned amount, min. €200
Refinancing 2% of returned amount, min. €300
Credit disbursement* €5
Monthly admin €5
Change of the date of payment of contributions and / or interest €30
Issuance of letters, consents €40
Letter of default €40
Release of mortgage/pledge €50
Interest on late payments From 0.1%/day

*Credit disbursment fee is only applicable for credits that are paid out in separate instalments

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
Online payments

Incoming payments

Payments within mano.bank Free
Eurozone payments (SEPA) €0.30
International payments                                                          €5
Return of SEPA payments (currency exchange can’t be cancelled) €5
Return of SWIFT payments (currency exchange can’t be cancelled) €20

Outgoing payments

Payments within mano.bank Free
Eurozone payments (SEPA) €0.50
International payments in EUR, USD, SGD, HKD, CAD, MXN €30
International payments in GBP, CZK, PLN, DKK, SEK, NOK       €20
Forced write-off €2
SEPA payment cancellation before it is sent out €2
International payment cancellation or editing before it is sent out (currency exchange can’t be cancelled) €50
International payment cancellation or editing after it is sent out (currency exchange can’t be cancelled) €50 + receiving bank fees

If you can't find your currency or destination bank, please email us at hello@mano.bank.
All international euro 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.

Payments at a branch

Outgoing payments

Payments within mano.bank €2
Eurozone payments (SEPA) €2
SHA payment                                                     €20
Fast SHA payment €40
Extra fast SHA payment €80
OUR payment €30
Fast OUR payment  €50
Extra fast OUR payment €90
Regular, fast and extra fast BEN payment Free
International payment cancellation or editing before it is sent out (currency exchange can’t be cancelled) €50
International payment cancellation or editing after it is sent out (currency exchange can’t be cancelled) €50 + receiving bank fees

Ordinary international payments submitted before 4 pm on a working day will be transferred to beneficiary or correspondent bank account in 2 working days.
Fast payments submitted before 2.30 pm on a working day will be transferred to beneficiary or correspondent bank account in 1 working day.
Extra fast payments submitted before 2 pm on a working day will be transferred to beneficiary or correspondent bank account on the same day.

 

Term deposit
Term
Interest
From 1 month     0.10%
From 3 months   0.30%
From 6 months 0.50%
From 9 months 0.90%
From 12 months 1.30%
From 18 months 1.50%
From 24 months 1.70%
From 36 months 1.90%
From 48 months 2.00%
From 60 months 2.20%

Minimum term deposit amount is €500

Seniors and loyal customers are subject to a 0.02% higher interest rate

Choosing to get interest paid more often than every 6 months will decrease the interest rate by 0.2%

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
Substantial change in company's information e.g. ownership structure €200
Other certificates €15
Reports for external auditors €50
Cash operations
Withdrawal at a branch 0.8% (min. €2)*
Deposit at a branch up to 8 000€/day €2**
Deposit at a branch above 8 000€/day 0.05%**

*cash withdrawal fee is not applied to term deposits agreements signed before 2018.03.14

**the fee is not applied in case cash is deposited under a term deposit agreement

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 independent officer Depends on their fees
Consent to subordinated pledge, change of credit schedule with early repayment 1%, min. €200
Early repayment 1% of 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 disbursment fee is only applicable for credits that are paid out in separate instalments

Commercial loans
Credit agreement 1% min. €300
Agreement modification 0.5% min. €200
Commitment fee From 1%
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 independent officer Depends on their fees
Consent to subordinated pledge 1%, min. €200
Early repayment 1% of returned amount, min. €200
Refinancing 2% of returned amount, min. €300
Credit disbursement* €5
Monthly admin €5
Change of the date of payment of contributions and / or interest €30
Issuance of letters, consents €40
Letter of default €40
Release of mortgage/pledge €50
Interest on late payments From 0.1%/day

*Credit disbursment fee is only applicable for credits that are paid out in separate instalments

Bank account
Opening bank account €300
Customer data check (KYC procedure) Starts at €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
Safeguarding account
Opening safeguarding account* Free
Keeping EUR balances (% per annum)** 50% ECB deposit facility rate
Monthly admin*** €200

*A safeguarding account may be opened to a client who already has a current account at the Bank which will be used to charge fees for deposit account.
**The fee shall be applied to an amount exceeding €1 000 000 in the total balance of the customer's safeguarding accounts. The fee is calculated at the end of each calendar day. If the interest rate applied by the ECB is zero or positive, no fee is charged.
***If the customer has more than 1 safeguarding account, this fee will be applied collectively for handling all customer's safeguarding accounts.

Online payments

Incoming payments

Payments within mano.bank Free
Eurozone payments (SEPA) €0.30
International payments                                                          €5
Return of SEPA payments (currency exchange can’t be cancelled) €5
Return of SWIFT payments (currency exchange can’t be cancelled) €20 

Outgoing payments

Payments within mano.bank Free
Eurozone payments (SEPA) €0.50
International payments in EUR, USD, SGD, HKD, CAD, MXN €30
International payments in GBP, CZK, PLN, DKK, SEK, NOK       €20
Forced write-off €2
SEPA payment cancellation before it is sent out €2
International payment cancellation or editing before it is sent out (currency exchange can’t be cancelled) €50
International payment cancellation or editing after it is sent out (currency exchange can’t be cancelled) €50 + receiving bank fees

If you can't find your currency or destination bank, please email us at hello@mano.bank.
All international euro 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.

Payments at a branch

Outgoing payments

Payments within mano.bank €2
Eurozone payments (SEPA) €2
SHA payment                                                     €20
Fast SHA payment €40
Extra fast SHA payment €80
OUR payment €30
Fast OUR payment  €50
Extra fast OUR payment €90
Regular, fast and extra fast BEN payment Free
International payment cancellation or editing before it is sent out (currency exchange can’t be cancelled) €50
International payment cancellation or editing after it is sent out (currency exchange can’t be cancelled) €50 + receiving bank fees

Ordinary international payments submitted before 4 pm on a working day will be transferred to beneficiary or correspondent bank account in 2 working days.
Fast payments submitted before 2.30 pm on a working day will be transferred to beneficiary or correspondent bank account in 1 working day.
Extra fast payments submitted before 2 pm on a working day will be transferred to beneficiary or correspondent bank account on the same day.

 

Term deposit
Term
Interest
From 1 month     0.10%
From 3 months   0.30%
From 6 months 0.50%
From 9 months 0.90%
From 12 months 1.30%
From 18 months 1.50%
From 24 months 1.70%
From 36 months 1.90%
From 48 months 2.00%
From 60 months 2.20%

Minimum term deposit amount is €500

Seniors and loyal customers are subject to a 0.02% higher interest rate

Choosing to get interest paid more often than every 6 months will decrease the interest rate by 0.2%

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
Substantial change in company's information e.g. ownership structure €200
Other certificates €15
Reports for external auditors €50
Cash operations
Withdrawal at a branch 0.8% (min. €2)*
Deposit at a branch up to 8 000€/day €2**
Deposit at a branch above 8 000€/day 0.05%**

*cash withdrawal fee is not applied to term deposits agreements signed before 2018.03.14

**the fee is not applied in case cash is deposited under a term deposit agreement

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 independent officer Depends on their fees
Consent to subordinated pledge, change of credit schedule with early repayment 1%, min. €200
Early repayment 1% of 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 disbursment fee is only applicable for credits that are paid out in separate instalments

Commercial loans
Credit agreement 1% min. €300
Agreement modification 0.5% min. €200
Commitment fee From 1%
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 independent officer Depends on their fees
Consent to subordinated pledge 1%, min. €200
Early repayment 1% of returned amount, min. €200
Refinancing 2% of returned amount, min. €300
Credit disbursement* €5
Monthly admin €5
Change of the date of payment of contributions and / or interest €30
Issuance of letters, consents €40
Letter of default €40
Release of mortgage/pledge €50
Interest on late payments From 0.1%/day

*Credit disbursment fee is only applicable for credits that are paid out in separate instalments

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