Pricing
| 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 balances (% per annum)1 | 50% ECB deposit facility rate |
1The fee is applied when the total amount of the client's account balances exceeds €1,000,000.00. The fee for the previous calendar month is debited by the 10th day of the next calendar month. If the interest rate applied by the ECB is 0 or positive, no fee is charged.
Incoming payments
| Payments within mano.bank | Free | |
| Eurozone payments (SEPA) | Free | |
| International payments | €5 | |
| Return of SEPA payments | €5 | |
| Return of SWIFT payments (currency exchange can’t be cancelled) | €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, SGD, HKD, CAD, MXN | €20 | |
| International payments in GBP, CZK | €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 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.
Outgoing payments
| Payments within mano.bank | €2 | |
| Eurozone payments (SEPA) | €2 | |
| International payments made at the Bank's branch1 (fee type - SHA): | ||
| EUR, USD, SGD, HKD, CAD, MXN | €40 | |
| PLN, DKK, NOK, SEK, GBP, CZK | €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.
Term |
Interest |
| From 1 month | 0,10% |
| From 3 months | 0,30% |
| From 6 months | 0,50% |
| From 9 months | 1,00% |
| From 12 months | 1,40% |
| From 18 months | 1,50% |
| From 24 months | 1,90% |
| From 36 months | 2,10% |
| From 48 months | 2,20% |
| 60 months | 2,40% |
The minimum term deposit amount is €500.
Seniors and loyal customers are subject to a 0.02% higher interest rate.
Getting your interest paid out more often than every 6 months will decrease the interest rate by 0.2%.
| 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 |
| 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.
2The fee is not applied in case cash is deposited under a term deposit agreement
| 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.
| 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 an 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 disbursement fee is only applicable for credits that are paid out in separate installments
