Pricing

Resident Non-Resident
Bank account
Opening bank account Free
Monthly admin Free
Closing bank account Free
Account statement at a branch         5 €
Fee for keeping funds balances in EUR currency in the account1 0,5 % / 360 d.
Fee for keeping balances of funds in non-EUR currency in the account2 1,00 % / 360 d
Inactive account service fee3 1 € / month

1The fee is applied when the total balance of the client's funds in euros exceeds 1 million EUR. The fee is calculated from the total amount of the client's funds in euros in all the client's accounts in AB "Mano bankas".        

2The fee is applied when the total balance of the client's funds in other currencies exceeds 1 million EUR equivalent, calculated according to the ratio of the euro to the corresponding foreign currency published by the European Central Bank. The fee is calculated from the total amount of the client's funds in other currencies in all the client's accounts in AB "Mano bankas".        

3An inactive account is a bank account in which no payment transaction (including initiated payments or received payments) has been executed for more than 12 months. The fee is not applied to customers who hold a term / cumulative deposit with the Bank or have a loan.        

Online payments

Outgoing payments

Payments within mano.bank   Free
SEPA payments   Free
SWIFT payments   20 €

Incoming payments

Payments within mano.bank   Free
SEPA payments   Free
SWIFT payments   0,1% (min. 5 €, max. 15 €)

SEPA payment - a payment transaction in euros between the payer and the payee when both of their payment service providers are SEPA countries and when these service providers are connected to the SEPA payment system.        

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

All SWIFT payments are processed as very urgent transfers and sent to the recipient's correspondent bank on the same business day.        

SEPA countries – European Union member states, United Kingdom, Switzerland, Monaco, San Marino, Andorra, Norway, Iceland, Liechtenstein.        
 

Payments at a branch

Outgoing payments

Payments within mano.bank   2 €
SEPA payments   2 €
SWIFT payments   20 €

Incoming payments

Payments within mano.bank   Free
SEPA payments   Free
SWIFT payments   0,1% (min. 5 €, max. 15 €)

SEPA payment - a payment transaction in euros between the payer and the payee when both of their payment service providers are SEPA countries and when these service providers are connected to the SEPA payment system.        

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

All SWIFT payments are processed as very urgent transfers and sent to the recipient's correspondent bank on the same business day.        

SEPA countries – European Union member states, United Kingdom, Switzerland, Monaco, San Marino, Andorra, Norway, Iceland, Liechtenstein.        
 

Term deposit
Term
Interest
1 month 0,60 %
6 months 1,45 %
12 months 3,80 %
18 months 3,80 %
24 months 3,80 %
36 months 3,50 %
48 months 3,50 %
60 months 3,50 %

For seniors, an interest premium of +0.02 % applies at a bank branch. 

If you choose monthly interest payments, the interest rate will be reduced by -0.20 %.

The minimum deposit amount is EUR 500.
The maximum term deposit amount is EUR 500,000.

Term deposits of more than EUR 100,000.00 may be subject to individual duration and pricing.
 

Confirmations, certificates and other information
Refund of a received SEPA or SWIFT payment as per customer's request
nternational payment or SWIFT transfer
50 €
Return of a sent SEPA or SWIFT payment 50 €
SEPA or SWIFT payment cancellation, adjustment or fulfillment investigation 50 € + foreign bank charges    
Forced write-off 2 €
Copy of international payment or SWIFT transfer 15 €
Declaration of income and assets Free
Other certificates and letters, with the provision of daily services 15 €
Cash operations
Cash withdrawal5 1% of the amount (min. 5€)    
Cash deposit6 0,2% of the amount (min.  5 € )    

5When paying out the account balance to a customer closing a current account, no cash withdrawal fee is applied if the value of the paid-out balance is 5 EUR or less.  

6If the funds are deposited with the purpose of concluding a fixed-term deposit agreement, paying the installment of a credit granted by the bank or other payments under the credit agreement, the tax is not applicable.        
 

Consumer loans
Interest rates From 7% to 48%1
Loan agreement admin Free1
Monthly admin 3% of credit value split across loan period (min €7/month)1
Agreement modification From 30 €
Term extension 30 €
Early repayment Free
Change of payment day 30 €
Provisional clearance 30 €
Interest on late payments Max. 0,05%/d.2

1APRC must not exceed 100%.    

2SMS and written reminders included    

Long-term loans for personal or household purposes
Credit agreement 1% of credit amount, min. 300 € 
   
Credit agreement modification1 From 0,5% of credit amount, min. 200 €
   
Change of the date of payment (contributions and/or interest) 30 €
   
Commitment fee From 0,6% of undisbursed credit amount
   
Real estate and/or other collateral inspectation by the Bank 100 €
   
Valuation of mortgaged/mortaging property by the Bank:  
Real estate of one property unit (apartment, premises, land) 50 €
Real estate of more than one property units (apartament/private house/premises/land with other belongings) 80 €
Movable property unit (office and/or household appliances, machines, equipment, vehicles 20 €
The production or technological line of the movable property complex 80 €
Valuation of mortgaged property by an independent officer Depends on their fees
Consent to subordinated pledge Min. 150 € 
   
Early repayment On the day of exchange of variable interest, no fee is applied, on other days - the fee established by legislation, but no more than 3% of the amount of the repayable credit or its part
   
Refinancing On the day of exchange of variable interest, no fee is applied, on other days - the fee established by legislation, but no more than 3% of the amount of the repayable credit or its part
   
Monthly admin 5 €/month
Credit disbursement fee2 5 €/month
   
Other fees:  
Issuance of letters/consents 40 €
Letter of default (for private persons, when the credit is for business or professional purposes) 40 €
Release of mortgage/pledge 50 €
Interest on late payments From 0,1%/d.

1The specific amount of the applicable rate depends on the type of conditions being exchanged.  

2The credit disbursement fee is applied for each disbursement, when the credit is disbursed in installments (the fee is not applied if the credit is paid out in one disbursement).    

Long-term loan to individuals for business purposes
Credit agreement 1% of credit amount, min. 300 € 
   
Credit agreement modification1 From 0,5% of credit amount, min. 200 €
   
Change of the date of payment (contributions and/or interest) 30 €
   
Commitment fee From 1% of undisbursed credit amount
   
Real estate and/or other collateral inspectation by the Bank 100 €
   
Valuation of mortgaged/mortaging property by the Bank:  
Real estate of one property unit (apartment, premises, land) 50 €
Real estate of more than one property units (apartament/private house/premises/land with other belongings) 80 €
Movable property unit (office and/or household appliances, machines, equipment, vehicles) 20 €
The production or technological line of the movable property complex 80 €
   
Valuation of mortgaged property by an independent officer Depends on their fees
   
Consent to subordinated pledge Min. 250  € 
   
Early repayment 1% of returned amount, min. 200  € 
   
Refinancing 1% of returned amount, min. 300  € 
   
Monthly admin 5 €/mėn 
Credit disbursement fee2 5 €/mėn 
   
Other fees:  
Issuance of letters/consents 40 €
Letter of default 40 €
Release of mortgage/pledge 50 €
Interest on late payments From 0,1%/d.

1The specific amount of the applicable rate depends on the type of conditions being exchanged.    

2The credit disbursement fee is applied for each disbursement, when the credit is disbursed in installments (the fee is not applied if the credit is paid out in one disbursement). 

Bank account
Opening bank account 100 €
Customer data check, identifying the client 200 €
Monthly admin 5 €
Closing bank account Free
Account statement at a branch         5 €
Fee for keeping funds balances in EUR currency in the account1 0,5 % / 360 d.
Fee for keeping balances of funds in non-EUR currency in the account2 1,00 % / 360 d.
Inactive account service fee3 1 € / month

1The fee is applied when the total balance of the client's funds in euros exceeds 1 million EUR. The fee is calculated from the total amount of the client's funds in euros in all the client's accounts in AB "Mano bankas".        

2The fee is applied when the total balance of the client's funds in other currencies exceeds 1 million EUR equivalent, calculated according to the ratio of the euro to the corresponding foreign currency published by the European Central Bank. The fee is calculated from the total amount of the client's funds in other currencies in all the client's accounts in AB "Mano bankas".        

3An inactive account is a bank account in which no payment transaction (including initiated payments or received payments) has been executed for more than 12 months. The fee is not applied to customers who hold a term / cumulative deposit with the Bank or have a loan.        

 

Online payments

Outgoing payments

Payments within mano.bank   Free
SEPA payments   1 €
SWIFT payments   20 €

Incoming payments

Payments within mano.bank   Free
SEPA payments   Free    
SWIFT payments   0,1% (min. 5 €, max. 15 €)

 4SEPA payment - a payment transaction in euros between the payer and the payee when both of their payment service providers are SEPA countries and when these service providers are connected to the SEPA payment system.        

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

All SWIFT payments are processed as very urgent transfers and sent to the recipient's correspondent bank on the same business day.        

SEPA countries – European Union member states, United Kingdom, Switzerland, Monaco, San Marino, Andorra, Norway, Iceland, Liechtenstein.        

Payments at a branch

Outgoing payments

Payments within mano.bank   2 €
SEPA payments   2 €
SWIFT payments   20 €

Incoming payments

Payments within mano.bank   Free
SEPA payments   Free    
SWIFT payments   0,1% (min. 5 €, max. 15 €)

 SEPA payment - a payment transaction in euros between the payer and the payee when both of their payment service providers are SEPA countries and when these service providers are connected to the SEPA payment system.        

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

All SWIFT payments are processed as very urgent transfers and sent to the recipient's correspondent bank on the same business day.        

SEPA countries – European Union member states, United Kingdom, Switzerland, Monaco, San Marino, Andorra, Norway, Iceland, Liechtenstein.        

Term deposit
Term
Interest
1 month 0,60 %
6 months 1,45 %
12 months 3,80 %
18 months 3,80 %
24 months 3,50 %
36 months 3,50 %
48 months 3,50 %
60 months 3,50 %

For seniors, an interest premium of +0.02 % applies at a bank branch. 

If you choose monthly interest payments, the interest rate will be reduced by -0.20 %.

The minimum deposit amount is EUR 500.
The maximum term deposit amount is EUR 500,000.

Term deposits of more than EUR 100,000.00 may be subject to individual duration and pricing.

Confirmations, certificates and other information
Refund of a received SEPA or SWIFT payment as per customer's request 50 €
Return of a sent SEPA or SWIFT payment 50 €
SEPA or SWIFT payment cancellation, adjustment or fulfillment investigation 50 € + foreign bank charges    
Forced write-off 2 €
Copy of international payment or SWIFT transfer 15 €
Declaration of income and assets Free
Other certificates and letters, with the provision of daily services 15 €
Cash operations
Cash withdrawal5 1% of the amount (min. 5 €)
Cash deposit6 0,2% of the amount (min. 5 €)

5When paying out the account balance to a customer closing a current account, no cash withdrawal fee is applied if the value of the paid-out balance is 5 EUR or less.

6If the funds are deposited with the purpose of concluding a fixed-term deposit agreement, paying the installment of a credit granted by the bank or other payments under the credit agreement, the tax is not applicable.        
 

Consumer loans
Interest rates From 7% to 48%1
Loan agreement admin Free1
Monthly admin 3% of credit value split across loan period (min €7/month)1
Agreement modification From 30 €
Term extension 30 €
Early repayment Free
Change of payment day 30 €
Provisional clearance 30 €
Interest on late payments Max. 0,05%/d.2

1APRC must not exceed 100%.    

2SMS and written reminders included    

Long-term loans for personal or household purposes
Credit agreement 1% of credit amount, min. 300 € 
   
Credit agreement modification1 From 0,5% of credit amount, min. 200 €
   
Change of the date of payment (contributions and / or interest) 30 €
   
Commitment fee From 0,6% of undisbursed credit amount
   
Real estate and/or other collateral inspectation by the Bank 100 €
Valuation of mortgaged/mortaging property by the Bank:  
Real estate of one property unit (apartment, premises, land) 50 €
Real estate of more than one property units (apartament/private house/premises/land with other belongings) 80 €
Movable property unit (office and/or household appliances, machines, equipment, vehicles 20 €
The production or technological line of the movable property complex 80 €
Valuation of mortgaged property by an independent officer Depends on their fees
Consent to subordinated pledge Min. 150 € 
   
Early repayment On the day of exchange of variable interest, no fee is applied, on other days - the fee established by legislation, but no more than 3% of the amount of the repayable credit or its part.
   
Refinancing On the day of exchange of variable interest, no fee is applied, on other days - the fee established by legislation, but no more than 3% of the amount of the repayable credit or its part.
   
Monthly admin 5 €/month
Credit disbursement fee2 5 €
   
Other fees:  
Issuance of letters/consents 40 €
Letter of default (for private persons, when the credit is for business or professional purposes) 40 €
Release of mortgage/pledge 50 €
Interest on late payments From 0,1%/d.

1The specific amount of the applicable rate depends on the type of conditions being exchanged.  

2The credit disbursement fee is applied for each disbursement, when the credit is disbursed in installments (the fee is not applied if the credit is paid out in one disbursement).    

Long-term loan to individuals for business purposes
Credit agreement 1% of credit amount, min. 300 € 
   
Credit agreement modification1 From 0,5% of credit amount, min. 200 €
   
Change of the date of payment (contributions and/or interest) 30 €
   
Commitment fee From 1% of undisbursed credit amount
   
Real estate and/or other collateral inspectation by the Bank 100 €
   
Valuation of mortgaged/mortaging property by the Bank:  
Real estate of one property unit (apartment, premises, land) 50 €
Real estate of more than one property units (apartament/private house/premises/land with other belongings) 80 €
Movable property unit (office and/or household appliances, machines, equipment, vehicles) 20 €
The production or technological line of the movable property complex 80 €
   
Valuation of mortgaged property by an independent officer Depends on their fees
   
Consent to subordinated pledge Min. 250  € 
   
Early repayment 1% of returned amount, min. 200 €
   
Refinancing 1% of returned amount, min. 300 € 
   
Monthly admin 5 € monthly
Credit disbursement fee2 5 € monthly 
   
Other fees:  
Issuance of letters/consents 40 €
Letter of default 40 €
Release of mortgage/pledge 50 €
Interest on late payments From 0,1%/d.

1The specific amount of the applicable rate depends on the type of conditions being exchanged.    

2The credit disbursement fee is applied for each disbursement, when the credit is disbursed in installments (the fee is not applied if the credit is paid out in one disbursement). 

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