Basic Payment Account

Basic Payment Account is the basic services basket approved by the Bank of Lithuania, which includes the minimum banking services for a fixed fee: EUR 1.50 per month. For the customers who receive social allowance in cash, Basic payment account is applied 50 per cent discount and the fee is reduced to EUR 0.75 per month.

Minimum daily basket of services includes:

  • Free Opening of a bank account
  • Free issuing of electronic banking SB line PIN code card
  • Unlimited crediting of received payments in euros
  • Unlimited cash depositing in the joint network ATMs (Nordea / Danske / Citadele / Šiaulių Bankas) and Perlas terminals
  • Free issuing of one debit payment card
  • 10 SEPA credit transfers via the Internet (simple SEPA credit transfers, SEPA periodic payments, e-bill one-time and automatic payments, Bank Link operations), accepting of online payments in euros every month, transfers between own accounts are unlimited and not included (after exceeding the permitted transaction number, typical service fees are applicable)
  • Free cash payout of EUR 550 per month in the joint network ATMs (Nordea / Danske / Citadele / Šiaulių Bankas) (after exceeding the permitted cash payout amount, typical service fees are applicable).

The Basic payment account service is provided only to one already existing bank account. If the customer does not have an account at the Bank, he/she is opened a new bank account. The Basic payment account service can only be used in one credit institution operating in the Republic of Lithuania.

Who is Recipient of the Service

  • The Basic payment account service may be chosen by Lithuanian residents and other individuals from the European Union countries, who evidence their professional, economic, social or personal relationships with the Republic of Lithuania.

How to Subscribe to the Service?

Other Information


Standard Rates

Basic Payment Account 

Monthly fee


1,50 EUR

Account management

EUR 0,50/month

selected account in EUR

SEPA credit transfers online1

EUR 0,23 within the Bank,

EUR 0,41 to other banks

10 transactions2

Payment acceptance online

0,14 EUR

Debit card (Debit MasterCard or Maestro)

EUR 0,40/month

1 card is free

Payment for goods or services with payment card



Cash depositing in joint network ATMs (Nordea / Danske / Citadele / Šiaulių bankas)



Cash pay out (taking) in joint network ATMs (Nordea / Danske / Citadele / Šiaulių bankas)

0,4% (min EUR  0,30)

max EUR 550 


Issuing the e-banking system SB Linija PIN code card



  • The fee for the Basic payment account service is debited automatically on the last day of the month for the current month.
  • For the socially supported clients, the fee will be offset in the first days of the next month.
  • The customer can choose one of the options:
    • either use the bank-proposed service plan Traditional (Loyal, Seniors), Modern, Maximum and For the Youth for a fixed monthly fee,
    • or Basic payment account service
    • or not to choose anything and pay for each transaction and service separately according to the Services Rates. 

1 Simple SEPA credit transfers, SEPA periodic payments, one-time and automatic e-bill payment, Bank Link operations.

2 Transfers between own accounts are excluded.

3 In the case of cash take out of over EUR 550 per month 0.4 per cent, min EUR 0.30, is applied on the amount higher than EUR 550.

4 Includes signing of electronic banking SB Linija agreement.

If you have questions, you are welcome to call 1813 (when calling from abroad +370 37301337) or visit Šiaulių Bankas customer service departments.