FAQ

The maximum amount that you can borrow depends on your financial status:

• Minimum income after tax must be at least €350 per month.
• If you are employed, you must have received at least 4 wages in current job. If you own your business, we should be able to see revenue for at least 6 months.
• The maximum monthly credit payment may not exceed 40% of the monthly income received. For example, if you get €1 000 in a month, the total monthly you can borrow cannot exceed €400.

After you fill our all the information in the credit application, we have verified your data and signed a credit agreement, the credit will be paid into your bank account specified at the time of application.

Consumer loans are granted to persons between the ages of 21 and 64 who have a steady income and are not indebted to other credit companies.

For earnings restrictions, see How much can I borrow?

Mano.paskola is an office online platform for AB “Mano bankas” consumer credit. If you want to get a consumer loan, you should fill out the application form at www.manopaskola.lt.

We will ask you to do remote identity verification. During verification you will have to follow on-screen instructions and make pictures of your identity documents as well as yourself.

You can sign consumer credit agreement in 3 ways:

• Remotely using mobile signature or Smart-ID.
• Post courier.
• At our branch.

We will transfer the money on the same day if you sign credit agreement with mobile signature or Smart-ID between 8am and 5pm on working days.

If you do not have a mobile signature or Smart-ID, we can send all the required documents via DPD courier to any location. In this case, we will transfer the money within 48 hours after signing.

You can choose to arrive to our headquarters at S. Moniuskos str. 27, Vilnius. Here you can sign the documents at your convenience. In this case, we will transfer the money within 24 hours after signing.

If you are having trouble paying your credit instalment, report it immediately to your loan manager.

Interest on late payments and debt collection is not at our heart. Our goal is to help our customers to succeed. There are a number of ways we can help ease the credit burden in a difficult period, but we will only be able to do so if we are fully aware of your particular situation. So, don't hesitate to contact us if you have any difficulties.

There are two ways to open a mano.bank bank account: 

1. Online: Complete your application here: https://account.mano.bank/en. 

The application process consists of three steps: 

•  Client account. Create a secure login password for your account - it will ensure secure application data transfer.  

•  Personal information. Provide personal information and verify your identity remotely. More information about remote authentication can be found here.   

•  Signing the bank agreement. Upon receiving a positive response from the KYC / AML team, we will invite you to return to your personal account where you will be able to review and sign our agreements with just a few clicks.   

2.  You can submit your documents at Mano Bankas branch at S. Moniuškos str. 27, Vilnius, LT-08115, Lithuania.  

Bring a valid ID document with you. We will take care of the rest. 

Mano.bank BIC number is KUSRLT24. 

Here are instructions for receiving euro payments from outside of SEPA zone:  

Beneficiary Bank: KUSRLT24 
Beneficiary bank name: AB Mano bankas 
Bank address: S. Moniuskos str. 27, Vilnius, LT- 08115, Lithuania 

NOTE: KUSRLT24 is a direct member of TARGET2 

Account: LTXX50301200000000XX 
Name: Name Surname 
Address:  address 
 

We've created a secure remote system for submitting and updating customer questionnaire information that allows customers to be served remotely.

If you are already a mano.bank customer, but have never used this remote customer questionnaire service at https://account.mano.bank/ you will need to register as a new customer.

1. Select "Private", "Bank Account" and your nationality

2. Create a secure connection:

2.1 Enter your email address and check your email for the confirmation link, click the link

2.2 Enter your mobile number and confirm it

2.3 Create a password

3. Answer all the questions on the screen

4. Verify your identity in one of three ways:

4.1 Document photos and selfy

4.2 Sign your identity document with a mobile signature

4.3 Sign your identity document with Smart-ID

5. Complete the form by providing information about your sources of income and activities

6. Submit the application for evaluation

If you have any questions, please contact onboarding@mano.bank

We are not able to open bank accounts for residents and businesses of the following countries and jurisdictions:

You can find all legal agreements for mano.bank accounts here: https://mano.bank/personal/legal-agreements
Privacy policy: https://mano.bank/privacy-policy 

For information on the terms of deposit insurance and when deposits are not insured, click here. 

It is simple and easy to open a current account at mano.bank:

• You can do it online by filling out an application form.
• Visit us at S. Moniuskos st. 27, Vilnius and sign a current account agreement.

Please bring your identity document (ID card or passport) with you.

1. Sign a term deposit agreement at S. Moniuskos st. 27, Vilnius.

2. Deposit money in cash at a branch or by bank transfer.

You may withdraw your interest on the next business day after term deposit agreement ends. For example, if your contract expires in 2019. August 5, you can pick up interest on August 6.

Yes, you can terminate the contract at any time, but in that case the accrued interest is not paid out, you only get back the initial deposit.

You can deposit money into a you mano.bank deposit account in cash or by bank transfer. The beneficiary of the money must be your deposit account at AB „Mano bankas“.

Smart-ID is an easy-to-use identity and electronic signature app that is mainly used in Lithuania, Latvia and Estonia. It is a convenient alternative to code cards and PIN generators. Smart-ID is always on-the-go with you - on your smartphone or tablet.

How to use Smart-ID?

Download the app from Google Play or the Apple Store and sign up for an account with a mobile signature or through online banking. While using Smart-ID, you will be asked to enter the PIN1 code when connecting and the PIN2 code when confirming transactions (eg transfers).

Click here for more information on Smart-ID.

The M-signature is the equivalent of an identity document or signature that allows you to sign documents, authorize bank transfers, and confirm your identity using your mobile phone. This method of authentication is extremely quick and convenient - all you need is your smartphone.

How to use the M-signature?

The easiest way to use the M-signature is to have a contract with one of the mobile network providers: Bitė Lietuva, Telia or Tele2.

If you choose M-signature verification, first make sure your mobile phone displays the correct session number. The identification page on mano.bank will display a code you will need to enter to confirm your identity.

Video identification is a quick and easy way to verify your identity. All you need is a device with a working camera.

How to use video identification?

1. Click on "Video ID" and select your identity document (passport or ID card).

2. Allow access to your device's camera.

3. Take a photo of your passport or ID card (both-sided).

4. Take a selfie.

5. If everything is done correctly - your identity has been confirmed!

Watch a tutorial on how to use this identification method: on your computer, on your mobile phone.

You can attach payment-related documents while initiating payment through our online banking. Follow the below steps:

1. Fill out the payment details, select „Additional information“ and click „Continue“.

2. Select your attachments and upload them. You can attach more than one document. Click 'Continue.'

3. Uploaded documents should appear in the "Attachments" list. Confirm the payment after verifying your payment information.

To ensure successful same-day conversion of your selected currency, please complete the conversion by:

USD - 4:00 p.m.
CAD - 4:00 p.m.
AUD - 2:00 p.m.
GBP - 3:00 p.m.
PLN - 09:30 a.m.
CHF - 10:30 a.m.
DKK - 10:30 a.m.
SEK - 10:30 a.m.
NOK - 10:30 a.m.

The outgoing and incoming payments involving residents or bussinesses of the following countries and jurisdictions will not be processed:

If you notice a security breach or vulnerability in the bank's services, or receive a suspicious e-mail, please notify us by phone during the bank's business hours at +370 5 240 9389 or by e-mail at support@mano.bank, and after business hours please call us +370 5 240 9389 and press 9.

• Never disclose your online banking user ID, online banking, Smart-ID, mobile e-signature passwords over the phone, on social networks or by email. Recently, fraudsters are increasingly attempting to trick people into logging in over the phone by pretending to be an employee of a bank, the police, the Financial Crime Investigation Service, the Office of Special Investigations, the State Social Insurance Fund, or other state agencies, or an employer offering you an attractive job. Do not succumb to psychological pressure – do not disclose confidential information by phone, SMS, or e-mail, as nobody has the right to request it from you.
• Do not click on any links received via email, chat apps, or SMS messages, or follow requests to enter or dictate your online banking credentials.
• Carefully read the address of the web link you receive – fraudsters often create an almost identical online banking login page, but its web address will always differ from the actual one by at least one letter or symbol.
• Do not write down, email, SMS, or otherwise share or save codes and passwords used to unlock your computer or phone screen. Create complex passwords that are hard to guess, remember them, and change them regularly. When creating PINs, be sure to choose random combinations of numbers. Do not use combinations such as 1111, 1234, your year of birth, address numbers, or other personal or easily guessed information.
• Secure the computer that you use to connect to an online banking:
  • Install a trusted legitimate antivirus program, update your software regularly, and use the latest versions of your browsers.
  • Security flaws in operating systems and other software are common, allowing fraudsters to gain unauthorised access to alien computers and systems. These loopholes are exploited by hackers, therefore, manufacturers constantly make adjustments to the equipment to ensure the safety of the equipment and eliminate vulnerabilities. Therefore, make sure that your operating system and other software are updated in a timely manner. Do not use software that is no longer updated, such as Internet Explorer 6.
• If you have received a message on your phone from your login tool to enter your password, but you are not connected to the Online banking system at the time, ignore it. Do the same if you receive a request to confirm a funds transfer, even though you don't make any transfer at the time.
• Read carefully who you give your consent to each time you receive a notification from your login tool to enter your password.