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
Keeping EUR balances (% per annum)1 50% ECB deposit facility rate2

1The fee is applied when the total amount of the client's account balances exceeds €1,000,000.00. The fee for the previous calendar month is debited by the 10th day of the next calendar month. If the interest rate applied by the ECB is 0 or positive, no fee is charged.

2 Effective from 2021.01.18.

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
Cancellation, refund, or an adjustment of an incoming international payment (currency exchange can’t be cancelled)   €50 + foreign bank fees (effective from 18.01.2021)

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 outgoing payment cancellation and investigation at the Customer's request and refund of the SEPA payment to the sender's bank       €2 (€20 effective from 18.01.2021)
International payment cancellation or editing (currency exchange can’t be cancelled)   €50 + receiving bank fees


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 payments made at the Bank's branch1 (fee type - SHA):    
EUR, USD, SGD, HKD, CAD, MXN   €30 (effective from 18.01.2021)
PLN, DKK, NOK, SEK, GBP, CZK   €20 (effective from 18.01.2021)
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     0,10%
From 3 months   0,30%
From 6 months 0,50%
From 9 months 1,00%
From 12 months 1,40%
From 18 months 1,50%
From 24 months 1,90%
From 36 months 2,10%
From 48 months 2,20%
From 60 months 2,40%

The minimum term deposit amount is €500.

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

Choosing to get 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
Declaration of income and assets Free
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

1Cash 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. €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 disbursement1 €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

1Credit disbursement fee is only applicable for credits that are paid out in separate installments.

Consumer loans
Interest rates 7% - 48%1
Online loan agreement 0%
Loan agreement at a branch 1% - 8%1
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

1APRC 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
Keeping EUR balances (% per annum)1 50% ECB deposit facility rate2

1The fee is applied when the total amount of the client's account balances exceeds €1,000,000.00. The fee for the previous calendar month is debited by the 10th day of the next calendar month. If the interest rate applied by the ECB is 0 or positive, no fee is charged.

2 Effective from 2021.01.18.

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
Cancellation, refund, or an adjustment of an incoming international payment (currency exchange can’t be cancelled)   €50 + foreign bank fees (effective from 18.01.2021)

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 outgoing payment cancellation and investigation at the Customer's request and refund of the SEPA payment to the sender's bank       €2 (€20 - effective from 18.01.2021)
International payment cancellation or editing (currency exchange can’t be cancelled)   €50 + receiving bank fees


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 payments made at the Bank's branch1 (fee type - SHA):    
EUR, USD, SGD, HKD, CAD, MXN   €30 (effective from 18.01.2021)
PLN, DKK, NOK, SEK, GBP, CZK   €20 (effective from 18.01.2021)
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     0,10%
From 3 months   0,30%
From 6 months 0,50%
From 9 months 1,00%
From 12 months 1,40%
From 18 months 1,50%
From 24 months 1,90%
From 36 months 2,10%
From 48 months 2,20%
From 60 months 2,40%

The minimum term deposit amount is €500.

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

Choosing to get 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
Declaration of income and assets Free
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 deposits 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. €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 an 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 disbursement1 €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

1Credit disbursement fee is only applicable for credits that are paid out in separate installments.

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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