Pricing

BANK ACCOUNT
Current / Accumulative account opening Free of charge
Current / Accumulative account maintenance1 5 € / month, for each account
Account closure Free of charge
Account statement at a branch 5 € for one month's statement
Euro balance fee2 Free of charge
Other currencies balance fee3 0.03 € per day per 1.000 €
Balance fee, when the customer does not transfer funds to other accounts after the end of the business relationship 0.01 € per day per 1.000 €, (min 5 €)

1Customers who have loans from AB "Mano bankas" are exempt from any charges or fees.

2The monthly fee is determined by the cumulative balance of the client's funds in euro across all their accounts held at AB "Mano bankas." The fee amount, calculated based on the previous month's balance, is deducted from the client's account within the first 10 days of the current month.

3The monthly fee is determined by the cumulative balance of the client's funds in currencies other than euro across all their accounts held at AB "Mano bankas." The fee amount, calculated based on the previous month's balance, is deducted from the client's account within the first 10 days of the current month.

PAYMENTS AND CASH TRANSACTIONS
  via the Internet at the Bank
Outgoing payments    
Internal payment Free of charge 2 €
SEPA payment1 0,40 € 2 €
SWIFT payment2 20 € 20 €
     
Incoming payments    
Internal payment Free of charge Free of charge
SEPA payment1 Free of charge Free of charge
SWIFT payment2 0.10 % (min 5 €, max 15 €) 0.10 % (min 5 €, max 15 €)
     
Cash transactions in euros at a bank branch    
Cash withdrawal3 - 1.00 % (min 5 €)
Cash deposit4 - 0.20 % (min 5 €)

1SEPA payment - a payment transaction in euros between the payer and the payee when both their payment service providers are located in SEPA countries and connected to the SEPA payment system. You can find the list of SEPA countries on the website of the European Payments Council (EPC).

2SWIFT Payment -  a payment transaction that occurs when the payer's or payee's payment service provider is located in a non-SEPA country or when these providers are not connected to the SEPA payment system.

3When disbursing the account balance to a customer upon closing an account, no cash withdrawal fee is imposed if the disbursed balance is €5 or less.

4The fee is not applicable if the funds are deposited for the purpose of entering into a term deposit agreement, paying an installment of a credit granted by the bank, or for other payments as specified in the credit agreement.

TERM DEPOSIT
Term
Interest
6 months 1,45 %
12 months 4,00 %
18 months 4,00 %
24 months 4,00 %
36 months 4,00 %
48 months 1,70 %
60 months 1,80 %

The minimum deposit amount is EUR 500.

The maximum term deposit amount is EUR 500,000. To place a fixed-term deposit of more than EUR 500,000, please contact support@mano.bank.

OTHER SERVICES
A significant change in the company's information, such as the ownership structure, has occurred Free of charge
Refund of incoming payment at customer's request 50 €
Refund of outgoing payment 50 €
Payment cancellation, adjustment or fulfillment investigation 50 € + payee's payment service provider / bank correspondent fees
Forced write-off 2 €
Payment investigation (encompassing data analysis, examination of submitted documents, and more) Free of charge
Copy of credit transfer 15 €
Confirmation letter of an Accumulative account 100 €
Other certificates and letters for daily banking services 100 €
BUSINESS LOANS
Credit agreement conclusion fee 1.00 % of credit amount, min 500 €
Credit agreement amendment fee1 From 0.50 % of credit amount, min 500 €
Change of loan monthly repayment date 50 €
Commitment fee From 1.00 % of undisbursed credit amount
Lending project analysis and evaluation From 0.50 % of credit amount, min 250 €
Real estate and/or other collateral inspectation by the bank 100 €
Valuation of real estate by the Bank:  
    Real estate of one property unit (apartment, premises, land) 100 €
    Real estate of more than one property units (apartament/private house/premises/land with other belongings) 150 €
    Movable property unit (office and/or household appliances, machines, equipment, vehicles) 50 €
    The production or technological line of the movable property complex 100 €
Early repayment 1.00 % of the repaid credit amount, min 500 €
Refinancing 1.00 % of the repaid credit amount, min 500 €
Credit agreement maintenance 20 € / month
Credit disbursement fee2 20 €
Other fees:  
    Issuance of any type of letters/consents From 200 €
    Sending a letter of default in the case of loans for business purposes 40 €
    Release of mortgage/pledge 50 €
    Issuance of guarantee From 0,50 % of guarantee amount, min 500 €
Interest on late payments From 0.10 % per day

1The specific amount of the applicable fee varies based on the type of conditions being modified.

2The credit disbursement fee is applied for each credit disbursement, in the case of disbursing the credit in installments. This fee is not applied if the credit is used in a single disbursement.

BANK ACCOUNT
Customer data verification From 1 000 €
Initial KYC Check-Up From 1 000 €
Current / Accumulative account opening 500 € for each account
Current / Accumulative account maintenance1 70 € / month, for each account
Safeguarding / Correspondent account opening 500 € for each account
Safeguarding / Correspondent account maintenance  200 € / month, for each account
Account closure 100 € for each account
Account statement at a branch 5 € for one month's statement
Balance fee, when the customer does not transfer funds to other accounts after the end of the business relationship 0.01 € per day per 1.000 €, (min 5 €)

 

Euro balance fee2  
0.01 - 100,000.00 € 0.03 € per day per 1.000 €
100,000.01 - 1,000,000.00 € 0.05 € per day per 1.000 €
1,000,000.01 - 3,000,000.00 € 0.06 € per day per 1.000 €
3,000,000.00 € + 0.08 € per day per 1.000 €

 

Other currencies balance fee3  
0.01 - 100,000.00 € 0.05 € per day per 1.000 €
100,000.00 € + 0.15 € per day per 1.000 €

1Customers who have loans from AB "Mano bankas" are exempt from any charges or fees.

2The monthly fee is determined by the cumulative balance of the client's funds in euro across all their accounts held at AB "Mano bankas." The fee amount, calculated based on the previous month's balance, is deducted from the client's account within the first 10 days of the current month.

3The monthly fee is determined by the cumulative balance of the client's funds in currencies other than euro across all their accounts held at AB "Mano bankas." The fee amount, calculated based on the previous month's balance, is deducted from the client's account within the first 10 days of the current month.

PAYMENTS AND CASH TRANSACTIONS
  via the Internet at the Bank
Outgoing payments    
Internal payment Free of charge 2 €
SEPA payment1 1 € 2 €
SWIFT payment2 30 € 30 €
Correspondent payment Individual pricing will be applied -
     
Incoming payments    
Internal payment Free of charge Free of charge
SEPA payment1 0,60 € 0,60 €
SWIFT payment2 0.10 % (min 5 €, max 15 €) 0.10 % (min 5 €, max 15 €)
Correspondent payment Individual pricing will be applied -
     
Cash transactions in euros at a bank branch    
Cash withdrawal3 - 1.00 % (min 5 €)
Cash deposit4 - 0.20 % (min 5 €)

1SEPA payment - a payment transaction in euros between the payer and the payee when both their payment service providers are located in SEPA countries and connected to the SEPA payment system. You can find the list of SEPA countries on the website of the European Payments Council (EPC).

2SWIFT Payment -  a payment transaction that occurs when the payer's or payee's payment service provider is located in a non-SEPA country or when these providers are not connected to the SEPA payment system.

3When disbursing the account balance to a customer upon closing an account, no cash withdrawal fee is imposed if the disbursed balance is €5 or less.

4The fee is not applicable if the funds are deposited for the purpose of entering into a term deposit agreement, paying an installment of a credit granted by the bank, or for other payments as specified in the credit agreement.

TERM DEPOSIT

International companies

Term
Interest
6 months 1,45 %
12 months 4,00 %
18 months 4,00 %
24 months 4,00 %
36 months 4,00 %
48 months 1,70 %
60 months 1,80 %

Financial institutions

Term
Interest
12 months 1,10 %
18 months 1,10 %
24 months 1,20 %
36 months 1,30 %
48 months 1,40 %
60 months 1,50 %

Term deposits from financial institutions are accepted with a 31 days' notice of termination.

To place a fixed-term deposit agreement, please contact support@mano.bank.

OTHER SERVICES
A significant change in the company's information, such as the ownership structure, has occurred 200 €
Refund of incoming payment at customer's request 50 €
Refund of outgoing payment 50 €
Payment cancellation, adjustment or fulfillment investigation 50 € + payee's payment service provider / bank correspondent fees
Forced write-off 2 €
Payment investigation (encompassing data analysis, examination of submitted documents, and more) 1,00 % (min. 500 €)
Copy of credit transfer 15 €
Issuance of a letter of confirmation of the Safeguarding account to a financial institution 500 €
Confirmation letter of an Accumulative account 100 €
Issuing a letter of intent to a financial institution 100 €
Other certificates and letters for daily banking services 100 €
BUSINESS LOANS
Credit agreement conclusion fee 1.00 % of credit amount, min 500 €
Credit agreement amendment fee1 From 0.50 % of credit amount, min 500 €
Change of loan monthly repayment date 50 €
Commitment fee From 1.00 % of undisbursed credit amount
Lending project analysis and evaluation From 0.50 % of credit amount, min 250 €
Real estate and/or other collateral inspectation by the bank 100 €
Valuation of real estate by the Bank:  
    Real estate of one property unit (apartment, premises, land) 100 €
    Real estate of more than one property units (apartament/private house/premises/land with other belongings) 150 €
    Movable property unit (office and/or household appliances, machines, equipment, vehicles) 50 €
    The production or technological line of the movable property complex 100 €
Early repayment 1.00 % of the repaid credit amount, min 500 €
Refinancing 1.00 % of the repaid credit amount, min 500 €
Credit agreement maintenance 20 € / month
Credit disbursement fee2 20 €
Other fees:  
    Issuance of any type of letters/consents From 200 €
    Sending a letter of default in the case of loans for business purposes 40 €
    Release of mortgage/pledge 50 €
    Issuance of guarantee From 0,50 % of guarantee amount, min 500 €
Interest on late payments From 0.10 % per day

1The specific amount of the applicable fee varies based on the type of conditions being modified.

2The credit disbursement fee is applied for each credit disbursement, in the case of disbursing the credit in installments. This fee is not applied if the credit is used in a single disbursement.

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*A legal entity established in the Republic of Lithuania, with its ultimate beneficiaries, owners, and controlling persons being residents of the Republic of Lithuania, is categorized as a resident of the Republic of Lithuania.
A legal entity established abroad and/or having ultimate beneficiaries, owners, and/or controlling persons who are residents of foreign countries is classified as a non-resident.
For customers of legal entities primarily engaged in activities such as gambling, currency exchange, cryptocurrency trading, or other high-risk activities as defined by the bank's internal procedures, the fees applicable to non-residents and financial institutions are imposed.