Pricing
| 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 |
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.
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 |
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%
| 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 |
| 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 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
| 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%
