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 balances in the account (the fee is calculated
for all client's funds exceeding EUR 0.01)1
0,5% / 360 d.2

 

For new clients, these new fees will take effect on 2021-05-203:

Keeping EUR currency balances in the account4 0,50 % / 360 d.
Keeping non-EUR currency balances in the account5 1,00 % / 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.

2For existing clients, this fee is valid until 2021-06-20

3The fees for persons who become customers before 2021-05-19, will take effect from 2021-06-20.

4The fee is applied for all  EUR currency balances, when agregate 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“.

5The fee is applied for all non-EUR currency balances, when agregate amount of funds in non-EUR currencies exceed €1,000,000.00 equivalent according to European Central Bank‘s rate of exchange. The fee is calculated for all client's funds in non-EUR currencies held in 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.

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.

 

Term deposit
Term
Interest
From 1 month     0,00%
From 3 months   0,00%
From 6 months 0,00%
From 9 months 0,00%
From 12 months 0,40%
From 18 months 0,50%
From 24 months 0,90%
From 36 months 1,10%
From 48 months 1,20%
60 months 1,40%

 

* 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
*** The minimum term deposit amount is €500.
**** Getting your interest paid out 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
A substantial change in the 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)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 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.

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 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

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 balances in the account (the fee is calculated for all
client's funds exceeding EUR 0.01)1
0,5% / 360 d.2

 

For new clients, these new fees will take effect on 2021-05-203:

Keeping EUR currency balances in the account4 Fee
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 account5 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.

 

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.

2For existing clients, this fee is valid until 2021-06-20.

3The fees for persons who become customers before 2021-05-19, will take effect from 2021-06-20.

4The 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“

5The 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“.

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


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.

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.

 

Term deposit
Term
Interest
From 1 month     0,00%
From 3 months   0,00%
From 6 months 0,00%
From 9 months 0,00%
From 12 months 0,35%
From 18 months 0,45%
From 24 months 0,85%
From 36 months 1,05%
From 48 months 1,15%
60 months 1,35%

 

* 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
*** The minimum term deposit amount is €500.
**** Getting your interest paid out 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
A substantial change in the 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)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 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.

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 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.

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 balances in the account (the fee is calculated for all client's funds exceeding EUR 0.01)1 1% / 360 d.2

 

For new clients, these new fees will take effect on 2021-05-203:

Keeping EUR currency balances in the account4 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 account5 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.

 

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.

2For existing clients, this fee is valid until 2021-06-20.

3The fees for persons who become customers before 2021-05-19, will take effect from 2021-06-20.

4The 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“.

5The 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“.

Safeguarding and correspondent account

Safeguarding account

Opening safeguarding account1 Free   
Monthly admin fee2 €200  
Keeping EUR balances in the account (the fee is calculated for all client's funds exceeding €0.01)3 1% / 360 d.  

 

Correspondent account

Opening correspondent account1 €200  
Monthly admin fee2 €200  
Closing correspondent account €100  
Keeping EUR balances in the account (the fee is calculated for all client's funds exceeding €0.01)3 1% / 360 d.  

 

For new clients, these new fees will take effect on 2021-05-204:

Keeping EUR currency balances in the account5 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 account6 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. 

3For existing clients, this fee is valid until 2021-06-20.

4The fees for persons who become customers before 2021-05-19, will take effect from 2021-06-20.

5The 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“.

6The 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“.

 

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.

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.

 

Term deposit
Term
Interest
From 1 month     0,00%
From 3 months   0,00%
From 6 months 0,00%
From 9 months 0,05%
From 12 months 0,10%
From 18 months 0,15%
From 24 months 0,20%
From 36 months 0,30%
From 48 months 0,40%
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
*** The minimum term deposit amount is €500.
**** Getting your interest paid out 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
A substantial change in the 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)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 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.

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

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