Fees Applicable to a Contactless SB Lizingas Credit Card

  SB Lizingas Mastercard®
1. Credit card issue

1.1. Card validity

 3 years

1.2. Card account currency

EUR

1.3. Card validity

free of charge (no additional cards issued)

2. Credit card servicing

2.1. Card administration

free of charge

2.2. Card update after its expiry

EUR 15.00

2.3. replacement of the card at the Customer's request when the card has not expired

EUR 10.00

2.4. card invalidation

free of charge

2.5. payment for a purchase or service

free of charge

2.6. Insurance against accidents

-

2.7. Mailing of the changed card by registered mail in Lithuania

EUR 3.00

2.8. Mailing of the changed card by registered mail abroad

EUR 6.00

2.9. Urgent mailing of the changed card by registered mail abroad

EUR 60.00

2.10. Urgent card making1

EUR 25.00
3. Cash deposit

3.1. At ATMs of Šiaulių Bankas

free of charge

3.2. In the terminals "Perlas Finance"

EUR 0.40
4. Cash withdrawal and other ATM transactions

4.1. Cash withdrawal  

4.1.1. At  Šiaulių Bankas ATMs

2 %  (min. EUR 3.00)

4.1.2. In the terminals "Perlas Finance"

2 %  (min. EUR 3.00)

4.1.3. in other networks  of Lithuanian and foreign banks

2 %  (min. EUR 3.00)

4.2. Other ATM transactions 2

4.2.1. card balance verification at Šiaulių Bankas  ATMs

free of charge

4.2.2. card balance verification at ATMs of other banks in Lithuania and abroad

EUR 0.60

4.2.3. printing of 5 (five) last transactions at Šiaulių Bankas ATMs

free of charge

4.2.4. printing of 5 (five) last transactions at ATMs of other banks in Lithuania and abroad

EUR 0.60

4.2.5. change of  card PIN code at/ unblocking of card chip at ATMs

EUR 0.60
5. Collection of documents justifying the completed transaction 3

5.1. when settlement took place in Lithuania

EUR 10.00

5.2. when payment was made in Lithuania

EUR 15.00
6. Transaction limits per day

6.1. Cash withdrawal transactions

6.1.1. amount

EUR 1000.00

6.1.2. number of transactions (units)

5

6.2. Number of payments for goods and services

6.2.1. amount

EUR 4 000.00

6.2.2. number of transactions (units)

unlimited

6.3. change of daily transaction limit in the customer service point

EUR 6.00

6.4. change of daily transaction limit via Bank;s on-line banking

free of charge
7. Conditions and fees for credit limit granting 4

7.1. conclusion of the agreement

free of charge

7.2. period of free credit usage

-

7.3. annual interest on the negative balance of the account (when the Credit Limit is not granted to the account)

-

7.4. period during which a credit limit should be covered

3 years

7.5. amendment to conditions of the credit limit usage

EUR 10.00

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

free of charge
8. Currency conversion fee when currency of the settlement or cash withdrawal with card does not coincide with account currency 2.5 %

1 If a Clients submit an application before 11:30 am 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 am, the card will  be issued in two business days.

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

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

4 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..

A standard example for calculation of an annual rate of a total credit price

If you get EUR 1000 credit limit in the payment card account, it would be subject to a flat 24 per cent annual interest rate, the credit and card use time is 36 months; during the contract period, you are subject to the following fees associated with the credit and card use:

Subject to the mentioned conditions, during the whole duration of the credit limit, the credit limit in the payment card account would cost you EUR 720, the total amount payable including the amount of the credit granted is EUR 1720, while the total annual percentage rate is 26.82 per cent. According to this example, you should pay EUR 20 every month as interest payment, assuming that the credit limit is used in full, which is repaid on the final credit limit repayment date specified in the contract.