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Payment cards

MasterCard® contactless payment card is a safe, convenient and modern payment tool for your daily shopping needs.

no PIN required for payments up to EUR 50.
to make a payment, simply hold your card against the card reader.
favourable exchange rates abroad.

Renew the card – order via the Internet Bank or at customer service units of Šiaulių Bankas!

Apple Pay is a digital wallet on iPhone, Apple Watch, iPad and Mac devices with Face ID or Touch ID that enables you to pay for goods and services. It has many advantages, one of the main ones being that you don’t need a wallet or a card to pay, you just need a smartphone or smart watch.

More about Apple Pay

Operation limits

Cash deposits, withdrawals or payment transactions in customer service units of Šiaulių Bankas*


Cash withdrawals at Medus ATMs and Perlas Finance UAB terminals and through other bank networks*


EUR 1,000 per day

Number of transactions

 5 transactions per day

Payment transactions for goods and services


EUR 4,000 per day

Number of transactions


Maximum cash deposit limit at Medus ATMs and Perlas Finance UAB terminals**

EUR 10,000 per month

* Clients can change transaction limits in the Internet Bank, in the mobile application or by submitting a request to the nearest customer service unit of Šiaulių Bankas AB or by telephone.

** A single overall cash deposit limit applies to all the client’s payment cards. With the bank’s agreement, a higher limit than the standard cash deposit limit may be set.

If you wish to have a higher cash deposit limit, please contact any customer service unit of Šiaulių Bankas where you will be asked to fill in the Application for a Change of the Cash Deposit Limit. You can also submit your application via the Internet Bank by filling in a free-form application.

Please also note that we will make a decision on whether to change your preferred cash deposit limit within 10 working days. We may ask you to provide additional information or documentation before making the decision, or we may refuse your request. We would also like to inform you that Šiaulių Bankas, implementing the requirements of the Law on the Prevention of Money Laundering and Terrorist Financing of the Republic of Lithuania, has the right to reduce the changed limit or restrict cash deposit operations, after informing you in advance.

Cash withdrawals

Cash deposits


At Medus ATMs

In Perlas Finance UAB terminals

At Medus ATMs

In Perlas Finance UAB terminals

Minimum amount per transaction





Maximum amount per transaction***

EUR 700

EUR 500

200 banknotes

(EUR 14,480)

EUR 500

*** If you need a larger amount, repeat the transaction, but the total amount of transactions cannot exceed the daily limit set for the payment card.

Payment card security

Prevention of illegal settlements in a foreign country

What should I do if I lost my payment card?

If you lose your payment card, you can block it by:

  • using internet bank;
  • 24-hour telephone call 1813 (calling from abroad +370 37 301 337 ) 24 hours round.

The card is blocked for free.

In case you have lost your payment card, you can block it by dialling +370 700 55 055, 24 hours a day. An application regarding the confirmation of blocking of the lost card should be submitted to any outlet of Šiaulių bankas within 7 business days. The card will be blocked free of charge.

How to use a payment card safely?

  •  Sign in the space provided immediately after receiving a new payment card.
  •  Keep a watch on your payment card like any other personal identification document or cash.
  •  Do not show or disclose the details of your payment card on the phone or Internet to individuals whose reliability is doubtful.
  •  Use combinations unknown and unpredictable to other people for your passwords which are necessary when providing information on the phone.
  •  Make sure that the payment card has been returned to you after each payment.
  •  Check the monthly statements of your payment card on a regular basis.
  •  Should you notice any suspicious operations, inform the bank immediately.
  •  Never disclose your payment card’s PIN code to anybody; do not write down your PIN code where other persons can see it.  Destroy the envelope after memorising your PIN code.
  •  Check a payment amount before signing on the payment receipt or entering your PIN code.
  •  In case the payment card went missing or you suspect that other people might know your PIN code or took control over your card, immediately notify the bank thereof and block your payment card. 

Relevant services:

  • Secure on-line payment is an international Mastercard® SecureCode™, kuri padeda apsaugoti kortelę nuo neteisėto panaudojimo atsiskaitymams internetu. security instrument that helps protect your card from unauthorized use for on-line payments. The service can be ordered on internet bank or in any branch of the Šiaulių Bankas.
  • Security programme serves for additional card protection and compensation of the client's losses if the client lost his payment card or the card was stolen from from him and / or illegally used. The Security programme shall apply to a particular card which the Security programme has been ordered to.
Credits in payment cards

Standing credit card limit is granted for the period of card validity under contractual provisions, covering the used credit limit by the last day of the credit limit validity.

Interest-free credit card limit is granted for the period of card validity under contractual provisions. MasterCard® Gold cardholders will use the credit limit for free for 45 calendar days from the actual credit use day.

To get a payment card with a credit limit, please fill out the application for personal card receipt, credit limit receipt/increase/decrease in any branch of the Šiaulių Bankas or through internet bank.

What to do upon receipt of the payment card by post?

If you received your card by post, you have to do two main things before starting using it – to activate the card and to memorise the PIN code:

  1. The card must be activated within three months after the order date. Log in to your online banking system, select ‘Cards’ in the ‘Accounts and Cards’ menu, and press ‘Activate‘. After that, your PIN code will be displayed.
  2. Your PIN code will be shown to you only once, so please be ready to memorise it. It will not be shown again, and if you do not memorise it, you will have to re-order the card.

Additional information