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Credit payment cards

Mastercard® Gold
„SB Lizingo“ Mastercard®
1.
Issue and administration of payment cards
1.1.
card validity
3 years
3 years
1.2.
currency  of a main and/ or  additional card account
EUR EUR
1.3.
issue of a main and/or addtional card
4.00 EUR1  nemokamai (papildomos kortelės neišduodamos)
2.
Kredito kortelės aptarnavimas
2.1.
issue of a main and / or additional card servicing
3.50 EUR2,3
(monthly)
free of charge
2.2.
update of a main and/or additional card after its expiry
4.00 EUR1  15.00 EUR
2.3.
payment card replacement upon the Customer's request  prior to the card's expiry
6.00 EUR4
10.00 EUR4
2.4.
announcement of a payment card as invalid
free of charge free of charge
2.5.
payment for a purchase and  service
free of charge free of charge
2.6.
insurance against accidents
- -
2.7.
travell insurance
free of charge -
2.8.
dispatch of a changed card by registered mail in Lithuania
3.00 EUR 3.00 EUR
2.9.
dispatch of a changed card by registered mail abroad
6.00 EUR 6.00 EUR
2.10.
urgent dispatch of a changed card by registered mail abroad
60.00 EUR 60.00 EUR
3.
Placement of cash
3.1.
at the ATMs of Šiaulių Bankas
free of charge free of charge
3.2.
in the terminals Perlo paslaugos UAB
0.40 EUR 0.40 EUR
4.
Cash withdrawal and other ATM transactions
4.1.
Withdrawal of cash from
4.1.1.
from the ATMS of Šiaulių Bankas
2 % (min. 3.00 EUR) 2 % (min. 3.00 EUR)
4.1.2.
in the terminals Perlo paslaugos UAB 
2 % (min. 3.00 EUR) 2 % (min. 3.00 EUR)
4.1.3.
in the network of Lithuanian and foreign banks
2 % (min. 3.00 EUR) 2 % (min. 3.00 EUR)
4.2.
Other transactions at ATM5
4.2.1.
card balance verification at the ATMS of the Šiaulių Bankas
free of charge free of charge
4.2.2.
card balance verification at the ATMS of other Lithuania and foreign banks 
0.60 EUR 0.60 EUR
4.2.3.
printing of 5 (five) last transactions at the ATMS Šiaulių bankas
free of charge free of charge
4.2.4.
printing of 5 (five) last transactions at the ATMS of other Lithuania and foreign banks 
0.60 EUR 0.60 EUR
4.2.5.
change of  card PIN code at the ATMS Šiaulių Bankas
0.60 EUR 0.60 EUR
5.
Collection of documents confirming the performed transaction6
5.1.
when settlement took place in Lithuania
10.00 EUR 10.00 EUR
5.2.
when settlement took place abroad
15.00 EUR 15.00 EUR
6.
A limit of transactions per 24 hours
6.1.
cash withdrawal transactions
6.1.1.
amount
1 000.00 EUR 1 000.00 EUR
6.1.2.
number of transactions
5 5
6.2.
transactions of settlement for goods and services
6.2.1.
amount
4 000.00 EUR 4 000.00 EUR
6.2.2.
number of transactions
unlimited unlimited
6.3.
Change of a  transaction limit set for 24 hours upon the Customer's request 
6.00 EUR 6.00 EUR
6.4.
paros operacijų limito keitimas Banko internetinėje bankininkystėje
free of charge free of charge
7.
Credit limit granting conditions and fees7

Credit limit types

Without credit

With permanent credit

With interest-free credit

7.1.
conclusion of an agreement
free of charge
free of charge
 free of charge
7.2.
period of free credit usage
45 days
-
7.3.
Annual interest for a negative account balance (when a credit limit is not granted to the account)
12 %8
-
7.4.
period during which credit limit should be covered
30 days
 According to agreement
 According to agreement
3 years
7.5.
amendment to conditions of the credit limit usage
-
10.00 EUR
7.6.
activation of the card after past due of the continuous  period of the credit usage
6.00 EUR free of charge 
7.7.
urgent production of a main and (or) additional card9
25.00 EUR 25.00 EUR
8.
Currency conversion fee when currency of the settlement or cash withdrawal with card does not coincide with account currency
2.5 % 2.5 %
1
The non-resident debit card issue / card renewal fee after the expiration of its validity period is .EUR 130, calculated on the basis of the validity of the card and the fee  indicated in items 1.3. and  1.4.

2
Providing  the client fails to take up the card or terminates the card before its expiry, the Bank shall debit the fee for the current month.

3
For non-residents with a temporary residence permit in Lithuania, the monthly basic and / or supplementary card service fee is not applicable.

4
If a payment card has to be replaced not because of the customer's fault, the amendment fee shall not be applied.

5
If such service is provided in the ATM of other banks.

6
In the event of a claim, the fee shall apply if the customer's claims appear to be invalid. 

7
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.

8
In case the Client fails to fulfil the condition specified in the Agreement the double interest shall apply.

9
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

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.