Pricing

Resident Non-Resident
Bank account
Opening bank account Free
Monthly admin Free
Closing bank account Free
Online account statement       Free
Account statement at a branch (1 statement/year is free) €5
Online payments

Incoming payments

Payments within mano.bank Free
Eurozone payments (SEPA) Free
International payments                                                          €5
Return of SEPA payments (currency exchange can’t be cancelled) €5
Return of SWIFT payments (currency exchange can’t be cancelled) €20

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 payment cancellation before it is sent out €2
International payment cancellation or editing before it is sent out (currency exchange can’t be cancelled) €50
International payment cancellation or editing after it is sent out (currency exchange can’t be cancelled) €50 + receiving bank fees

If you can't find your currency or destination bank, please email us at hello@mano.bank.
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.

Payments at a branch

Outgoing payments

Payments within mano.bank €2
Eurozone payments (SEPA) €2
SHA payment                                                     €20
Fast SHA payment €40
Extra fast SHA payment €80
OUR payment €30
Fast OUR payment  €50
Extra fast OUR payment €90
Regular, fast and extra fast BEN payment Free
International payment cancellation or editing before it is sent out (currency exchange can’t be cancelled) €50
International payment cancellation or editing after it is sent out (currency exchange can’t be cancelled) €50 + receiving bank fees

Ordinary international payments submitted before 4 pm on a working day will be transferred to beneficiary or correspondent bank account in 2 working days.
Fast payments submitted before 2.30 pm on a working day will be transferred to beneficiary or correspondent bank account in 1 working day.
Extra fast payments submitted before 2 pm on a working day will be transferred to beneficiary or correspondent bank account on the same day.

 

Term deposit
Term
Interest
From 1 month     0.10%
From 3 months   0.30%
From 6 months 0.50%
From 9 months 0.90%
From 12 months 1.30%
From 18 months 1.50%
From 24 months 1.70%
From 36 months 1.90%
From 48 months 2.00%
From 60 months 2.20%

Minimum term deposit amount is €500

Seniors and loyal customers are subject to a 0.02% higher interest rate

Choosing to get interest paid 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
Declaration of income and assets Free
Other certificates €15
Reports for external auditors €50
Cash operations
Withdrawal at a branch 0.8% (min. €2)*
Deposit at a branch up to 8 000€/day €2**
Deposit at a branch above 8 000€/day 0.05%**

*cash withdrawal fee is not applied to term deposits agreements signed before 2018.03.14

**the fee is not applied in case cash is deposited under a term deposit agreement

Credit agreements
Credit agreement 1% min. €300
Agreement modification 0.5% min. €200
Commitment fee From 0.8% (from used credit amount)
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 independent officer Depends on their fees
Consent to subordinated pledge Min. €150
Early repayment Not applicable on days of changing the variable interest rate, on other days, max. 3% of the repayable credit
Refinancing Not applicable on days of changing the variable interest rate, on other days, max. 3% of the repayable credit
Monthly admin fee €5
Credit disbursement* €5
Change of the date of payment of contributions and / or interest €30
Issuance of letters, consents €40
Release of mortgage/pledge €50
Interest on late payments Max. 0,05%/d., SMs and written reminders included

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

Consumer loans
Interest rates 7% - 48%*
Online loan agreement 0%
Loan agreement at a branch 1% - 8%*
Monthly admin 3% of credit value split across loan period (min €7/month)*
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%/day

* APRC must not exceed 100%

Bank account
Opening bank account €100
Customer data check (KYC procedure) €200
Monthly admin Free
Closing bank account Free
Online account statement       Free
Account statement at a branch (1 statement/year is free) €5
Online payments

Incoming payments

Payments within mano.bank Free
Eurozone payments (SEPA) Free
International payments                                                          €5
Return of SEPA payments (currency exchange can’t be cancelled) €5
Return of SWIFT payments (currency exchange can’t be cancelled) €20

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 payment cancellation before it is sent out €2
International payment cancellation or editing before it is sent out (currency exchange can’t be cancelled) €50
International payment cancellation or editing after it is sent out (currency exchange can’t be cancelled) €50 + receiving bank fees

If you can't find your currency or destination bank, please email us at hello@mano.bank.
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.

Payments at a branch

Outgoing payments

Payments within mano.bank €2
Eurozone payments (SEPA) €2
SHA payment                                                     €20
Fast SHA payment €40
Extra fast SHA payment €80
OUR payment €30
Fast OUR payment  €50
Extra fast OUR payment €90
Regular, fast and extra fast BEN payment Free
International payment cancellation or editing before it is sent out (currency exchange can’t be cancelled) €50
International payment cancellation or editing after it is sent out (currency exchange can’t be cancelled) €50 + receiving bank fees

Ordinary international payments submitted before 4 pm on a working day will be transferred to beneficiary or correspondent bank account in 2 working days.
Fast payments submitted before 2.30 pm on a working day will be transferred to beneficiary or correspondent bank account in 1 working day.
Extra fast payments submitted before 2 pm on a working day will be transferred to beneficiary or correspondent bank account on the same day.

 

Term deposit
Term
Interest
From 1 month     0.10%
From 3 months   0.30%
From 6 months 0.50%
From 9 months 0.90%
From 12 months 1.30%
From 18 months 1.50%
From 24 months 1.70%
From 36 months 1.90%
From 48 months 2.00%
From 60 months 2.20%

Minimum term deposit amount is €500

Seniors and loyal customers are subject to a 0.02% higher interest rate

Choosing to get interest paid 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
Declaration of income and assetsFree
Other certificates€15
Reports for external auditors€50
Cash operations
Withdrawal at a branch 0.8% (min. €2)*
Deposit at a branch up to 8 000€/day €2**
Deposit at a branch above 8 000€/day 0.05%**

*cash withdrawal fee is not applied to term deposits agreements signed before 2018.03.14

**the fee is not applied in case cash is deposited under a term deposit agreement

Credit agreements
Credit agreement 1% min. €300
Agreement modification 0.5% min. €200
Commitment fee From 0.8% (from used credit amount)
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 independent officer Depends on their fees
Consent to subordinated pledge Min. €150
Early repayment Not applicable on days of changing the variable interest rate, on other days, max. 3% of the repayable credit
Refinancing Not applicable on days of changing the variable interest rate, on other days, max. 3% of the repayable credit
Monthly admin fee €5
Credit disbursement* €5
Change of the date of payment of contributions and / or interest €30
Issuance of letters, consents €40
Release of mortgage/pledge €50
Interest on late payments Max. 0,05%/d., SMs and written reminders included

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

Consumer loans
Interest rates 7% - 48%*
Online loan agreement 0%
Loan agreement at a branch 1% - 8%*
Monthly admin 3% of credit value split across loan period (min €7/month)*
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%/day

* APRC must not exceed 100%

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