FEES & COMMISSIONS FOR CUSTOMERS
Bank fees and commissions charged for services or conducting transactions by European Merchant Bank.
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For Customers in Lithuania
The following fees are applied to legal entities registered in the Republic of Lithuania, which are not electronic money institutions, payment institutions, or banks/credit unions, and to natural persons engaged in economic and commercial activities.
| Service or transaction | Fee, EUR |
| Administration fee for concluding Loan agreement | From 0,5% of the amount of the Loan (min. 200 €) |
| Fee for increasing the amount of the Loan | From 0,2 % of the total outstanding amount (min. 200 € ) |
| Fee for extending of the maturity of the Loan | From 0,5 % of the outstanding amount of the Loan (min. 200 €) |
| Fee for other amendments of the Loan agreement or analysis of customer’s other request and preparation of documents | From 0,2 % of the outstanding amount of the Loan (min. 200 €) |
| Commitment fee | From 1 % of the unused amount of the Loan |
| Fee for early repayment of the Loan | 2 % of the outstanding amount of the Loan to be repaid (min. 200 €) |
| Issuance of the permission to pledge collateral by subsequent pledge | 0,5% of the amount of the Loan (min. 300 €) |
| Other permissions and consents | 50 € |
| Documents issued by Local customer request | 50 € |
Guarantees
| Standard text Guarantee agreement | From 0,5 % (min. 100 €) |
| Non-Standard text Guarantee agreement | From 0,6 % (min. 150 €) |
| Change of Guarantee conditions | 100 € |
| Verification of received Guarantee or modification of Guarantee terms by Local customer request | 50 € |
| Notification on receipt of a Guarantee or change of its condition | 50 € |
| To cancel a request to issue Guarantee | 50 € |
| Administration of claim to pay according to the Guarantee issued | 0,1% (min. 200 €) |
| Preparation of request or information on Guarantee upon Local customer’s request | EUR 50 € |
| Document handling and courier service abroad | EUR 120 € |
| Document handling and courier service in Lithuania | EUR 60 € |
| Transfer of claim according to the Guarantee issued | EUR 80 € |
Account and Payment Services:
| Money Transmission | Fee, EUR |
| Between account holder accounts in EMBank through internet banking | 0.00 € |
| Sending money to another customer account in EMBank through internet banking | 0.30 € |
| SEPA Standard transfer outgoing through internet banking | 0.40 € |
| SEPA Instant transfer outgoing through internet banking | 0.40 € |
| SEPA Standard transfer incoming | 0.00 € |
| SEPA Instant transfer incoming | 0.00 € |
| International non-SEPA Outgoing (EUR) SHA,OUR2 | 8.00 € |
| International non-SEPA Outgoing (EUR) SHA,OUR3 | 14.00 € |
| International non-SEPA Outgoing (Other currencies) SHA,OUR | 25.00 € |
| International Incoming (EUR) SHA | 20.00 € |
| International Incoming (Other currencies) SHA | 20.00 € |
| Account Opening | |
| Onboarding fee | 0.00 € |
| Verification of one UBO non-Lithuanian resident, but resident of EU | 300.00 € |
| Verification of one UBO non-EU resident | 500.00 € |
| Account Maintenance* | |
| Monthly account fee (per each account) | 0.00 € |
| Monthly account fee for High and Very High-risk customers | 50.00 € |
| Appointment of a new client representative | 20.00 € |
| Registration of entity’s legal status and assigning a bankruptcy administrator to the account management | 20.00 € |
| Bank Statements | |
| Account balance | 15.00 € |
| For customer‘s auditors | 30.00 € |
| Others | Not less than 45.00 € |
| Copies of Documents | |
| Agreements and other documents | 6.00 € |
| Fee for issuing documents within 3 business days by post | 120.00 € |
| By post in Lithuania regular | 6.00 € |
| By post in Lithuania registered | 12.00 € |
| By registered post to foreign countries | 24.00 € |
1 Fees apply even if no transactions were carried out through the account.
2 Payment orders to EU countries, United Kingdom, Switzerland, Monaco, San Marino and Andorra, Norway, Iceland, Liechtenstein, Switzerland.
3 Other countries than indicated in no 2
Explanations:
SHA – the payer pays the commission fees of Bank, the recipient pays the commission fees of other banks.
OUR – the payer pays the fees of Bank and other banks, the recipient does not have to pay the fees. Other bank fees are charged to a payer according to the actual applied fees for a transaction.
| Escrow Account | |
| Account opening and related to transaction documentation preparation | From 0,15% Not less than 1’000 EUR |
For Customers Outside Lithuania or Financial Institutions
- Corporate customers not incorporated in Lithuania;
- Financial institutions including incorporated companies in Lithuania;
- Branches/subsidiaries of international corporate customers in Lithuania are defined as Global Customers and are subject to the following fees and commissions:
| Money Transmission | Fee, EUR |
| Between account holder accounts within the Bank through internet banking | 0.00 € |
| Sending money to another customer account within the Bank through internet Banking | 0.30 € |
| SEPA Standard Incoming | 0.00 € |
| SEPA Instant Incoming | 0.00 € |
| SEPA Standart Outgoing through internet banking | 2.00 € |
| SEPA Instant Outgoing through internet banking | 2.00 € |
| Target2 Incoming | 20.00 € |
| Target2 Outgoing through internet banking | 8.00 € |
| Swift Payments | |
| International Outgoing (EUR) SHA/BEN | 40.00 € (plus any correspondent bank charges) |
| International Outgoing (Other currencies) SHA/BEN | 40.00 € (plus any correspondent bank charges) |
| International Incoming (EUR) SHA/BEN | 30.00 € (plus any correspondent bank charges) |
| International Incoming (Other currencies) SHA/BEN | 30.00 € (plus any correspondent bank charges) |
| API Connection set-up fee | 10,000.00 € |
| Account Opening | |
| Onboarding fee (including opening Account) | min 3,000.00 € |
| ID Verification of Shareholder/UBO/Authorized Person (per person) | min EUR 500.00 € |
| Safeguarding Account (per account) | 4,000.00 € |
| Accumulative Account (per account) | 3,000.00 € |
| Preparation of Regulatory and Reference Letters | 2,000.00 € |
| Account Maintenance | |
| Account Maintenance Fee for Business Account | Min 250.00 € |
| Account Maintenance Fee for Safeguarding Account | Min 1000.00 € |
| Account Maintenance Fee for Payment Account | Min 1000.00 € |
| Appointment of a new client representative | 20.00 € |
| Registration of entity’s legal status and assigning a bankruptcy administrator to the account management | 20.00 € |
| Minimum Monthly Fee (Will be charged if total amount of monthly
generated fees for the EUR accounts of the customer in the Bank is below this amount) |
To be determined based on client risk level |
| Bank Statements | |
| Account balance | 30.00 € |
| For customer auditors | 120.00 € |
| Others (inquiries, amendments etc.) | Min 50.00 € |
| Copies of Documents | |
| Agreements and other documents | 12.00 € |
| Fee for issuing documents within 3 business days by post | 240.00 € |
| By post in Lithuania regular | 6.00 € |
| By registered post in Lithuania | 12.00 € |