Debit payment cards

Debit Mastercard®

1.

Issue and administration of payment cards

1.1.

card validity

3 years1,2

1.2.

currency  of a main and/ or  additional card account

Eur / USD

1.3.

issue of a main and/ or  additional card:

1.3.1.

Residents

free of charge

1.3.2.

Non-residents

9.60 Eur3 

1.4.

monthly administration of a main and/ or additional card

0.40 Eur 4,5

1.5.

update of a main and/or additional card after its expiry:

1.5.1.

Residents

free of charge

1.5.2.

Non-residents

9.60 Eur3 

1.6.

payment card replacement upon the Customer's request  prior to the card's expiry

5 Eur 6

1.7.

announcement of a payment card as invalid

free of charge

1.8.

payment for a purchase and  service

free of charge

1.9.

dispatch of a new /updated/changed card by registered mail in Lithuania

3 Eur

1.10.

dispatch of a new /updated/changed card by registered mail abroad

6 Eur

1.11.

urgent dispatch of a new /updated/changed card by registered mail abroad

60 Eur

1.12.

urgent production of a main and (or) additional card7

25 Eur8 

2.

Placement of cash

2.1.

at the joint network ATMs (Luminor / Danske / “Citadele“ / Šiaulių Bankas)

free of charge

2.2.

in the terminals "Perlo paslaugos" UAB

0.40 Eur

3.

Cash transactions in the ATMs and terminals Perlo paslaugos UAB

3.1.

Cash payout (withdrawal) from the ATMs  and terminals Perlo paslaugos UAB

3.1.1.

at the joint network ATMs (Luminor / Danske / “Citadele“ / Šiaulių Bankas)

0.4% (min. 0.3 Eur)

3.1.2.

in the terminals "Perlo paslaugos" UAB

0.60 Eur

3.1.3.

in the network of Lithuanian and foreign banks

2 % (min. Eur 3)

3.2.

Other transactions at ATM9

3.2.1.

card balance verification at the ATMS of the  joint network (Luminor / Danske / ,,Citadele“ / Šiaulių Bankas)

free of charge

3.2.2.

card balance verification at the ATMS of other Lithuania and foreign banks

0.60 Eur

3.2.3.

printing of 5 (five) last transactions at the ATMS of the  joint network (Luminor / Danske / ,,Citadele“ / Šiaulių bankas)

free of charge

3.2.4.

printing of 5 (five) last transactions at the ATMS of other Lithuania and foreign banks 

0.60 Eur

3.2.5.

change of  card PIN code at the ATMS of the  joint network (Luminor / Danske / ,,Citadele“ / Šiaulių Bankas)

0.60 Eur

3.2.6.

change of  card PIN code at the ATMS of other Lithuania and foreign banks 

0.60 Eur

4.

Submission of a monthly statement on settlements with a payment card

4.1.

by e-channels

free of charge

4.2.

in the Bank

a fee of preparation and issue a bank account statement in the Bank's unit shall be applied

4.3.

by mail (within Lithuania)

1.00 Eur

4.4.

by mail (abroad)

6.00 Eur

5.

Receipt of a copy of document regarding executed transaction 10

5.1.

when settlement took place in Lithuania

10 Eur

5.2.

when settlement took place abroad

15 Eur

6.

A limit of transactions per 24 hours

6.1.

cash withdrawal transactions

6.1.1.

amount

1000 Eur

6.1.2.

number of transactions (units)

5

6.2.

transactions of settlement for goods and services

6.2.1.

amount

4000 Eur

6.2.2.

number of transactions (units)

unlimited

6.3.

Change of a  transaction limit set for 24 hours upon the Customer's request

6.00 Eur

7.

Conditions and fees of credit limit granting11

7.1.

conclusion of an agreement

-

7.2.

free period of the credit usage

-

7.3.

period during which a credit limit should be covered

30 days

7.4.

activation of the card after past due of the continuous  period of the credit usage

6.00 Eur

7.5.

annual interest for a negative account balance (when a credit limit is not granted to the account)

12 per cent12

8.

Security programme (applicable to the selected card)13

0.90 Eur

9.

Currency conversion fee when currency of the settlement or cash withdrawal with card does not coincide with account currency

2.5 %

1
Period of  validity of cards issued to incapable or capable adults who are under the care in compliance with the court decision  is 2 years.

2
Period of validity of cards issued to non-residents - 2 years.

3
Fee shall be calculated with regard to a card validity date and charge specified in item 1.4.

4
The monthly main and /or additional card servicing fee shall not apply to non-residents.

5
Providing the Customer fails to take the card or  terminates the card agreement prior to its maturity, the Bank shall calculate this fee taking into account the factual period of the card's validity.

6
If a payment card has to be replaced not because of the customer's fault, the amendment fee shall not be applied.

7
Fee due for the Security programme applicable to the Card shall be deducted once a month (on the first calendar day of each months) from the Card account. The commission fee for the Security programme shall be paid for the current calendar month.

8
If a Clients submit an application before 11:30 at noon on a business day, the produced card could be issued in the Bank's unit on the next business day, if the application is submitted after 11:30 at noon, the card will  be issued in tow business days

9
If such service is provided in the ATM of other banks.

10
In the event of a claim, the fee shall apply if the customer's claims appear to be invalid. 

11
If indebtedness occurs on the card account in this case it is recognized that the Bank has granted a Customer of the appropriate amount of credit limit.

12
In case the Client fails to fulfil the condition specified in the Agreement the double interest shall apply.

13
Fee due for the Security programme applicable to the Card shall be deducted once a month (on the first calendar day of each months) from the Card account. The commission fee for the Security programme shall be paid for the current calendar month.

Sample of calculation of standard total annual rate on the credit price:

If you receive EUR 1000 credit limit in the payment card account, you will be subject to 14 per cent annual interest rate, credit and card use period is 36 months.

During the contract period you are subject to the following fees associated with use of the credit and the card:

  • credit granting fee: EUR 7;
  • payment card issue fee: EUR 1;
  • monthly card account management fee: EUR 1.15.

In this case, during the period of use of the credit limit in the payment card, you would pay a total of:

  • interest: EUR 420;
  • credit granting fee: EUR 7;
  • payment card issue fee: EUR 1;
  • monthly card account management fee (when the term is 36 months): EUR 41.40.

Subject to the specified conditions, throughout the entire limit duration, credit limit in the payment card account would cost you EUR 469.40, the total payable amount, including the granted credit amount, would be EUR 1 469.40 and the total credit price annual rate 22.65 per cent. In this example, every month you should pay EUR 39.44 (this amount includes the returned credit and interest).

* The sample shows exemplary credit granting and card service fees and interest rates, which may not coincide with those specified in the service and operation rates (hereinafter referred to as Standard Rates) specified by the Bank.