Credit payment cards

Mastercard® Gold / Visa Gold

„SB Lizingo“ Mastercard®

1.

Issue and administration of payment cards

1.1.

card validity

years1

3 years

1.2.

currency  of a main and/ or  additional card account

Eur / USD

Eur

1.3.

issue of a main and/or addtional card

1.3.1.

Residents

4 Eur

free of charge (additional cards not available)

1.3.2.

Non-residents

88 Eur2 

-

1.4.

issue of a main and / or additional card servicing

3.50 Eur3,4
(monthly)

free of charge

1.5.

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

1.5.1.

Residents

4 Eur

15 Eur

1.5.2.

Non-residents

88 Eur2

-

1.6.

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

6 Eur5

10 Eur5

1.7.

announcement of a payment card as invalid

free of charge

free of charge

1.8.

payment for a purchase and  service

free of charge

free of charge

1.9.

insurance against accidents

-

-

1.10.

travell insurance

free of charge

-

1.11.

dispatch of a changed card by registered mail in Lithuania

3 Eur

3 Eur

1.12.

dispatch of a changed card by registered mail abroad

6 Eur

6 Eur

1.13.

urgent dispatch of a changed card by registered mail abroad

60 Eur

60 Eur

1.14.

urgent production of a main and (or) additional card6

25 Eur

25 Eur

2.

Placement of cash

2.1.

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

free of charge

free of charge

2.2.

in the terminals Perlo paslaugos UAB

0.40 Eur

0.40 Eur

3.

Cash payment (withdrawal) and other ATM transactions

3.1.

Payment (withdrawal) of cash from

3.1.1.

In the customer service points of Šiaulių Bankas and from the ATMS of the  joint network (Luminor / Danske / ,,Citadele“ / Šiaulių Bankas)

2 % (min. 3 Eur)

2 % (min. 3 Eur)

3.1.2.

in the terminals Perlo paslaugos UAB 

2 % (min. 3 Eur)

2 % (min. 3 Eur)

3.1.3.

in the network of Lithuanian and foreign banks

2 % (min. 3 Eur)

2 % (min. 3 Eur)

3.2.

Other transactions at ATM7

3.2.1.

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

free of charge

free of charge

3.2.2.

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

0.60 Eur

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

free of charge

3.2.4.

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

0.60 Eur

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

0.60 Eur

3.2.6.

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

0.60 Eur

0.60 Eur

4.

Submission of a monthly statement on settlements with a payment card

4.1.

by e-channels

free of charge

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

not applicable

4.3.

by mail (within Lithuania)

1 Eur

1 Eur

4.4.

by mail (abroad)

6 Eur

not applicable

5.

Collection of documents confirming the performed transaction8

5.1.

when settlement took place in Lithuania

10 Eur

10 Eur

5.2.

when settlement took place abroad

15 Eur

15 Eur

6.

A limit of transactions per 24 hours

6.1.

cash withdrawal transactions

6.1.1.

amount

1000 Eur

1000 Eur

6.1.2.

number of transactions

5

5

6.2.

transactions of settlement for goods and services

6.2.1.

amount

4000 Eur

4000 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 Eur

6 Eur

7.

Credit limit granting conditions and fees9

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 %10

-

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 Eur

7.6.

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

6 Eur

free of charge 

8.

Security programme (applicable to the selected card)11

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 %

2.5 %

1
The validity of payment cards issued to non-residents having a temporary permit of residence in Lithuania is 2 years.

2
Fee shall be calculated with regard to a card validity date and charge specified in item 1.3.1 and 1.4.

3
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.

4
For non-residents with a temporary residence permit in Lithuania, the monthly basic and / or supplementary card service fee is not applicable.

5
If a payment card has to be replaced not because of the customer's fault, the amendment fee shall not be applied.

6
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

7
If such service is provided in the ATM of other banks.

8
In the event of a claim, the fee shall apply if the customer's claims appear to be invalid. 

9
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.

10
In case the Client fails to fulfil the condition specified in the Agreement the double interest shall apply.

11
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.