FEES FOR LOCAL CUSTOMERS
Taxes are applied to legal entities registered in the Register of Legal Entities of 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.
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Credit Products
| 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 | From 0,1 % 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
| 10 | Standard text Guarantee agreement | From 0,5 % (min. 100 €) |
| 11 | Non-Standard text Guarantee agreement | From 0,6 % (min. 150 €) |
| 12 | Change of Guarantee conditions | 100 € |
| 13 | Verification of received Guarantee or modification of Guarantee terms by Local customer request | 50 € |
| 14 | Notification on receipt of a Guarantee or change of its condition | 50 € |
| 15 | To cancel a request to issue Guarantee | 50 € |
| 16 | Administration of claim to pay according to the Guarantee issued | 0,1% (min. 200 €) |
| 17 | Preparation of request or information on Guarantee upon Local customer’s request | EUR 50 € |
| 18 | Document handling and courier service abroad | EUR 120 € |
| 19 | Document handling and courier service in Lithuania | EUR 60 € |
| 20 | Transfer of claim according to the Guarantee issued | EUR 80 € |
Account and Payment Services:
| Money Transmission | Fee, EUR |
| Between account holder accounts in EM Bank through internet banking | 0.00 € |
| Sending money to another customer account in EM Bank through internet banking | 0.30 € |
| SEPA transfer (in case of loan disbursement) | 5.00 € |
| SEPA transfer outgoing through internet banking | 0.40 € |
| SEPA transfer incoming through internet banking | 0.00 € |
| International not SEPA Outgoing (EUR) SHA | 8.00 €
(plus any correspondent bank charges) |
| International Incoming (EUR) SHA | 20.00 €
(plus any correspondent bank charges) |
| 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 Maintenance1 | |
| 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.