SB Lizingas credit card service fees
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SB Lizingas Mastercard® |
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1. Credit card issue1 |
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1.1. Card validity |
3 years |
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1.2. Card account currency |
EUR |
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1.3. Card validity |
free of charge (no additional cards issued) |
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2. Credit card servicing |
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2.1. Card administration |
free of charge |
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2.2. Card update after its expiry |
EUR 4.00 |
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2.3. replacement of the card at the Customer's request when the card has not expired |
EUR 10.00 |
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2.4. card invalidation |
free of charge |
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2.5. payment for a purchase or service |
free of charge |
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2.6. Insurance against accidents |
- |
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2.7. Mailing of the changed card by registered mail in Lithuania |
free of charge |
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2.8. Mailing of the changed card by registered mail abroad |
EUR 6.00 |
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2.9. Urgent mailing of the changed card by registered mail abroad |
EUR 60.00 |
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2.10. Urgent card making2 |
EUR 25.00 |
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3. Cash deposit |
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3.1. At ATMs of the "Medus" network |
Up to 7,500 EUR per month free of charge, above – 0.2% of the amount exceeding 7,500 EUR |
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3.2. In the terminals "Perlas Finance" |
EUR 0.40 |
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4. Cash withdrawal and other ATM transactions |
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4.1. Cash withdrawal |
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4.1.1. At ATMs of the "Medus" network |
2 % (min. EUR 3.00) |
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4.1.2. In the terminals "Perlas Finance" |
2 % (min. EUR 3.00) |
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4.1.3. in other networks of Lithuanian and foreign banks3 |
2 % (min. EUR 3.00) |
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4.2. Other ATM transactions 4 |
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4.2.1. card balance verification At ATMs of the "Medus" network |
free of charge |
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4.2.2. card balance verification at ATMs of other banks in Lithuania and abroad |
EUR 0.60 |
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4.2.3. printing of 5 (five) last transactions At ATMs of the "Medus" network |
free of charge |
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4.2.5. change of card PIN code at/ unblocking of card chip at ATMs |
EUR 0.60 |
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5. Collection of documents justifying the completed transaction 5 |
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5.1. when settlement took place in Lithuania |
EUR 10.00 |
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5.2. when payment was made in Lithuania |
EUR 15.00 |
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6. Transaction limits per day |
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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 per month. | ||
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6.2. Cash withdrawal transactions |
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6.1.1. amount |
EUR 1000.00 per day |
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6.1.2. number of transactions (units) |
5 transactions per day |
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6.3. Number of payments for goods and services |
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6.3.1. amount |
EUR 4 000.00 per day |
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6.3.2. number of transactions (units) |
unlimited |
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6.4. change of daily transaction limit in the customer service point |
EUR 6.00 |
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6.5. change of daily transaction limit via Bank’s on-line banking |
free of charge |
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7. Annual interest for the negative balance of account funds (when the Credit limit is not granted to the account or the granted Credit limit is exceeded) 7 |
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7.1. conclusion of the agreement |
free of charge |
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7.2. period of free credit usage |
- |
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7.3. annual interest on the negative balance of the account (when the Credit Limit is not granted to the account) |
- |
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7.4. period during which a credit limit should be covered |
3 years |
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7.5. activation of the card after past due of the continuous period of the credit usage |
free of charge |
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8. Currency conversion fee when currency of the settlement or cash withdrawal with card does not coincide with account currency8 |
2.5 % |
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9. Changing the terms of use of the credit limit |
EUR 10.00 |
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1 Providing the client fails to take up the card or terminates the card before its expiry, the Bank shall debit the fee for the current month.
2 Mastercard Standard payment cards are not issued any longer. They are updated / changed into the respective MasterCard Standard / MasterCard Gold payment cards.
3 If a payment card has to be replaced not because of the customer's fault, the amendment fee shall not be applied.
4 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 two business days.
5 If such service is provided in the ATM of other banks.
6 In the event of a claim, the Commission fee shall apply if the customer's claims appear to be invalid.
7 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.
8 In case the Client fails to fulfil the condition specified in the Agreement the double interest shall apply.
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 15.9 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:
- Credit granting fee: EUR 0;
- Payment card issuance fee: EUR 0;
- Monthly card account management fee: 0 Eur.
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 479.55, the total amount payable including the amount of the credit granted is EUR 1 479.55, while the total annual percentage rate is 13.32 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.