Credit Card Fees
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Mastercard® Gold |
„SB Lizingas“ Mastercard® |
|
|---|---|---|
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1. Issue of payment cards1 |
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1.1. card validity |
3 years |
3 years |
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1.2. currency of a card account |
EUR |
EUR |
|
1.3. issue of a card |
4.00 EUR |
free of charge (additional cards not issued) |
|
2. Credit card service |
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2.1. issue of a card servicing |
3.50 EUR |
free of charge |
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2.2. update of a card after its expiry |
4.00 EUR |
4.00 EUR |
|
2.3. payment card replacement upon the Customer's request prior to the card's expiry |
6.00 EUR |
10.00 EUR |
|
2.4. announcement of a payment card as invalid |
free of charge |
free of charge |
|
2.5. payment for a purchase and service |
free of charge |
free of charge |
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2.6. insurance against accidents |
- |
- |
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2.7. dispatch of a card by unregistered mail in Lithuania |
free of charge |
free of charge |
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2.8. dispatch of a changed card by registered mail abroad |
6.00 EUR |
6.00 EUR |
|
2.9. urgent dispatch of a changed card by registered mail abroad |
60.00 EUR |
60.00 EUR |
|
2.10. urgent production of a card2 |
25.00 EUR |
25.00 EUR |
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3. Placement of cash |
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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 |
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 UAB |
0.40 EUR |
0.40 EUR |
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4. Cash withdrawal and other ATM transactions |
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4.1. Withdrawal of cash from |
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4.1.1. from ATMs of the "Medus" network and "Bankomatas.lt" network |
2 % (min. 3.00 EUR) |
2 % (min. 3.00 EUR) |
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4.1.2. in the terminals Perlas Finance UAB |
2 % (min. 3.00 EUR) |
2 % (min. 3.00 EUR) |
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4.1.3. in the network of Lithuanian and foreign banks3 |
2 % (min. 3.00 EUR) |
2 % (min. 3.00 EUR) |
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4.2. Other transactions at ATM4 |
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4.2.1. card balance verification at the ATMs of the "Medus" network and "Bankomatas.lt" network |
free of charge |
free of charge |
|
4.2.2. card balance verification at the ATMS of other Lithuania and foreign banks |
0.60 EUR |
0.60 EUR |
|
4.2.3. printing of 5 (five) last transactions at the ATMs of the "Medus" network and "Bankomatas.lt" network |
free of charge |
free of charge |
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4.2.4. change of card PIN code at the ATMS Šiaulių Bankas |
0.60 EUR |
0.60 EUR |
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5. Collection of documents confirming the performed transaction5 |
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5.1. when settlement took place in Lithuania |
10.00 EUR |
10.00 EUR |
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5.2. when settlement took place abroad |
15.00 EUR |
15.00 EUR |
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6. A limit of transactions 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 EUR6 |
10.000 EUR per month |
10.000 EUR per month |
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6.1.1. amount |
1 000.00 EUR per day |
1 000.00 EUR per day |
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6.1.2. number of transactions |
5 transaction per day |
5 transaction per day |
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6.2. transactions of settlement for goods and services |
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6.2.1. amount |
4 000.00 EUR per day |
4 000.00 EUR per day |
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6.2.2. number of transactions |
unlimited |
unlimited |
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6.3. change of the daily transaction limit upon the Customer's request |
6.00 EUR |
6.00 EUR |
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6.4. change of the daily transaction limit in the Bank's online banking |
free of charge |
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 |
12 % |
- |
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8. Security program (applies to the selected card)8 |
0.90 EUR |
- |
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9. Currency conversion fee when currency of the settlement or cash withdrawal with card does not coincide with account currency |
2.5 % |
2.5 % |
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10. Changing the terms of use of the credit limit |
- |
10.00 EUR |
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.
Standard example of calculating the total annual percentage rate of credit cost
If you have a credit limit of EUR 1,000 on your payment card account, you would be charged an annual interest rate of 14 % and the card and credit period would be 36 months.
During the term of the agreement, the following fees related to credit and card usage would apply to you:
- contract conclusion fee – EUR 0;
- payment card issuance fee – EUR 4;
- monthly card administration fee – EUR 3.50;
- monthly processing fee for the account linked to the card – EUR 1.
In this case, during the period of use of the credit limit payment card, you would be charged in total:
- interest – EUR 260.34;
- contract conclusion fee – EUR 0;
- payment card issuance fee – EUR 4;
- monthly card administration fees (for a 36-month term) – EUR 126;
- monthly processing fees for the account linked to the card (for a term of 36 months) – EUR 36.
Subject to the specified conditions, during the entire period of validity of the limit, the credit limit on the payment card account would cost you EUR 426.34. The total amount payable, including the granted credit amount, would be EUR 1,426.34, and the total annual percentage rate would be 36.05 %. In this example, you would have to pay EUR 35.11 every month (this amount includes credit repayments and interest).
*The example provides illustrative credit granting and card service fees and the interest rate, which may not correspond to the payment card service fees and interest rates specified in the Bank’s Service Fees.