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!

Operation limits
Standard operation limits per day*  

Cash deposits at Šiaulių bankas ATMs and Perlas Finance UAB terminals


Cash withdrawal and operations at Šiaulių bankas customer service branches


Cash withdrawal at Šiaulių bankas ATMs, Perlas Finance UAB terminals and other bank networks



EUR 1 000

Number of operations


Payment for goods or services



EUR 4 000

Number of operations


* Clients may change their transaction limits on internet bank or submit a request to the nearest customer service department of Šiaulių bankas AB.

  Cashing out Cash deposits
  Šiaulių bankas ATMs Perlas Finance UAB terminal Šiaulių bankas ATMs Perlas Finance UAB terminal
Minimum amount per transaction EUR 5 EUR 5 EUR 5 EUR 5
Maximum amount per transaction** EUR 700 EUR 500

200 banknotes
(14,480 EUR)

EUR 500

**If you need a higher amount, repeat the transaction, but the total value of the transactions may not exceed the daily limit set for the card

After topping up your account, you can immediately pay for goods and services on site, obtain cash from ATMs and Perlas Finance UAB terminals, however monetary operations in the bank divisions or banking services online via internet bank become available only after 20 minutes (where the funds are deposited on weekdays and weekends from 7:00 am to 9.45 pm).

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