Service fees -
Debit payment cards
|
Debit Mastercard |
|
|---|---|
|
1. Issue of payment cards1 |
|
|
1.1. card validity |
3 years2 |
|
1.2. currency of a card account |
EUR |
|
1.3. issue of a card |
free of charge |
|
2. Debit card service |
|
|
2.1. monthly administration of a card |
1.00 EUR |
|
2.2. update of a card after its expiry |
free of charge |
|
2.3. payment card replacement upon the Customer's request prior to the card's expiry |
5.00 EUR |
|
2.4. announcement of a payment card as invalid |
free of charge |
|
2.5. payment for a purchase and service |
free of charge |
|
2.6. dispatch of a card by unregistered mail in Lithuania |
free of charge |
|
2.7. dispatch of a card by registered mail abroad |
6.00 EUR |
|
2.8. urgent dispatch of a card by registered mail abroad |
60.00 EUR |
|
2.9. urgent production of a card |
25.00 EUR2 |
|
3. Placement of cash |
|
|
3.1. at the "Medus" network ATM |
Up to 7,500 EUR per month free of charge, above – 0.2% of the amount exceeding 7,500 EUR |
|
3.2. in the terminals "Perlas Finance" UAB |
0.40 EUR |
|
4. Cash withdrawal and other ATM transactions |
|
|
4.1. Cash withdrawal: |
|
|
4.1.1. At ATMs of the "Medus" network and "Bankomatas.lt" network |
0.5% (min. 0.50 EUR) |
|
4.1.2. in the terminals "Perlas Finance" UAB |
0.60 EUR |
|
4.1.3. in the network of Lithuanian and foreign banks3 |
2% (min. 3.00 EUR) |
|
4.2. Other transactions at ATM4 |
|
|
4.2.1. card balance verification At ATMs of the "Medus" network and "Bankomatas.lt" network |
free of charge |
|
4.2.2. card balance verification at the ATMS of other Lithuania and foreign banks |
0.60 EUR |
|
4.2.3. printing of 5 (five) last transactions At ATMs of the "Medus" network and "Bankomatas.lt" network |
free of charge |
|
4.2.4. change of card PIN code At ATMs of the "Medus" network and "Bankomatas.lt" network |
0.60 EUR |
|
5. Receipt of a copy of document regarding executed transaction5 |
|
|
5.1. when settlement took place in Lithuania |
10.00 EUR |
|
5.2. when settlement took place abroad |
15.00 EUR |
|
6. Transaction limits |
|
|
6.1. The maximum allowable amount of cash deposits at "Medus" network ATMs and UAB "Perlas Finance" terminals for all customer accounts and cards linked to them is EUR 6 |
10,000 EUR per month. |
|
6.2. cash withdrawal transactions |
|
|
6.2.1. amount |
1 000.00 EUR |
|
6.2.2. number of transactions (units) |
5 transaction per day |
|
6.3. transactions of settlement for goods and services |
|
|
6.3.1. amount |
4 000.00 EUR per day |
|
6.3.2. number of transactions (units) |
unlimited |
|
6.4. change of the daily transaction limit upon the Customer's request |
6.00 EUR |
|
6.5. change of the daily transaction limit in the Bank's online banking |
free of charge |
|
7. Conditions and fees of credit limit granting7 |
|
|
7.1. period during which a credit limit should be covered |
30 days |
|
7.2. annual interest for a negative account balance (when a credit limit is not granted to the account) |
12% |
|
8. Security programme (applicable to the selected card)8 |
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% |
1 To ensure the fulfillment of obligations, the Bank has the right to demand a deposit (security deposit) from the Client for the entire period of validity of the payment card agreement.
2 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
3 In some Lithuanian or foreign ATMs, an ATM fee (independent of the Bank) may be applied for cash withdrawals. You will see a message about it on the ATM screen. If the ATM fee is unacceptable to you, we recommend that you try ATMs of other networks.
4 If such service is provided at ATMs of other banks.
5 In the case of disputes regarding the examination of (un)authorized payment transactions , the commission fee is applied if the disputes raised by the client are not confirmed.
6 With the consent of the bank, a higher than standard limit for cash deposits in "Medus" network ATMs and UAB "Perlas Finance" terminals may be set, which is valid until the expiration date of the card.
7 If the card account is in debt, it is recognized that the Bank has granted the Customer a credit limit of the corresponding amount.
8 The commission for the Security program applied to the card is debited once a month. Security program commission is paid for the next 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.