Services and operations fees

Fee information document

Fee information document

documentComplete price list of service and operations from 2024-09-26

Maintaining of accounts

Natural persons
Opening of a Swedbank, AB (hereinafter the "Bank") account (except natural persons who are not legally reside consumers¹)	-
Opening of a Bank account for persons who are not legally reside consumers¹	200 Eur
Note: non-cash transactions via Bank accounts can be carried out in the following currencies: AED, AUD, BGN, CAD, CHF, CNY, CZK, DKK, GBP, HKD, HUF, ILS, JPY, MXN, NOK, NZD, PLN, RON, SEK, SGD, THB, TRY, USD, ZAR. Note: transaction in EUR via Bank accounts can be carried out in cash and non-cash.
Minimum daily services fee, which includes: Maintaining a Bank account (including opening (except natural persons who are not legally reside consumers¹) and closing) Crediting of incoming payments within Swedbank Crediting of incoming payments in EUR from Swedbank Group banks³ Crediting of incoming payments in EUR from other banks incorporated in Lithuania Crediting of incoming payments in EUR –[European payments]⁴	1,00 Eur / mėn.²

Bank account-based transactions are carried out in accordance with the valid Bank's rates of fees.

¹ Legally reside consumer is a natural person who legally resides in the Republic of Lithuania or another Member State of the European Union or European Economic Area, i.e. a person who in observance legal acts of Republic of Lithuania or another Member State has the right to reside in Republic of Lithuania or such other Member State, respectively.

² Fee applies to every account held by the client.

³ Swedbank Group banks:

Swedbank (SWIFT code: SWEDSESS), Sweden, Stockholm
Swedbank (SWIFT code: SWEDFIHH), Finland
Swedbank (SWIFT code: SWEDNOKK), Norway
Swedbank AS (SWIFT code: HABAEE2X), Estonia
Swedbank AS (SWIFT code: HABALV22), Latvia

⁴ EUR-denominated transfer from the EU Member State, Andorra, Iceland, United Kingdom, Liechtenstein, Monaco, Norway, San Marino, Switzerland and Vatican, if terms are acceptable, in this case the Payee's bank SWIFT (BIC) must be indicated; the Payee's bank account must be indicated in IBAN format; and the payment type is designated SHA.

Information on accounts

Statements of accounts	Natural persons
Sending of statements of accounts via the Bank e-channels	Free of charge
Issuance of daily statements of accounts over-the-counter at the Bank office	Free of charge
Printing out of a one-time statement for a period indicated by a customer over-the-counter at theBank office:
one day*	0,29 Eur
one month or a period from 2 to 31 days*	1,45 Eur
one quarter or a period from 32 to 92 days	2,90 Eur
one year or a period from 93 to 365 days	11,58 Eur
Issue of the statement of account when closing the account for natural persons at the Bank’s branch. Note. The statement of account shall be issued for the last 36 (thirty-six) months before the closing of the account or for the whole	Free of charge

* If a natural person does not use Swedbank Internet Banking, and periodic statements of their accounts for the previous month are not prepared and issued at the Bank office, once per calendar month a statement for a period of no more than 30 last days or for a past calendar month is issued free of charge.

Payment cards

Debit cards

Contactless „Debit Mastercard” fees
Contactless „Private Banking Debit Mastercard” fees
Contactless Mastercard WEB fees
Temporary ATM card fees for private persons

Contactless Debit Mastercard

Valid from 07-12-2023

Card terms and rates	Fee, EUR
Contactless „Debit Mastercard” issuing:
Card validity	4 years
Card issuing at the branch fee¹	EUR 5
Card issuing by post fee²	EUR 2
Urgent card delivery³	EUR 30
Card administration monthly fee	EUR 1
Blocking of a lost or stolen card	Free of charge
Other debit card fees:
Bill payments at ATMs of „Swedbank“, AB	Free of charge
Cash withdrawals:
at ATM‘s of „Swedbank“, AB, „Swedbank“ AS (Estonia), „Swedbank“ AS (Latvia), Swedbank AB (in Sweden) and BANKOMATAS.LT⁴ ATM‘s	0,5%, min EUR⁵ 0,5
At non „Swedbank“, AB, „Swedbank“ AS (Estonia), „Swedbank“ AS (Latvia), Swedbank AB (in Sweden) and non BANKOMATAS.LT ATM‘s	2%, min. EUR 3
at other partners cash out service providing venues⁶	0,5 %, min. EUR 0,5
Cash deposit at ATMs of „Swedbank“, AB	Free of charge
Currency exchange fee when transaction is made not in euro⁷	2.45%
Checking account balance in ATM‘s (where it is technically possible)	Free of charge
Changing of PIN at ATMs of „Swedbank“, AB	Free of charge
Copy of a receipt upon customer’s request:
on transactions in Lithuania	EUR 1,45
on transactions abroad	EUR 5,79
Standard limits⁸
for purchases	EUR 2 030 per day
The total amount for cash withdrawal operations at ATMs	EUR 870 per day, but not more than EUR 10 000 per calendar month⁹
The total amount for cash withdrawal operations at ATMs	EUR 1500 per day, but not more than EUR 10 000 per calendar month¹⁰
for cash-in in ATMs	EUR 7 500 per calendar month⁹

¹ Fee applies to the issuance of a new, renewed or replaced debit card. Fee will be charged when card is activated does not matter the card is included in the service plan or not.
² Fee is debited when activating new, renewed or replaced debit card (if the card is not included in the service plan). Renewed debit card can be sent by post without separate customer request by Swedbank decision.
³ For urgent card delivery, standard card issuing fee by post applies additionally (if card is not added into service plan), or card issuing fee at the branch, depending on chosen method of card delivery. The card will be delivered to the bank's branch or to the address indicated by the customer in Lithuania by a courier:
- on the next working day, if the card was ordered before 1:00 p.m.;
- within two working days, if the card was ordered after 1:00 p.m.
⁴ Information about the ATM network BANKOMATAS.LT can be found at www.bankomatas.lt.
⁵ Fee will be charged on the 15th day of next month.
⁶ Information about partners which are providing cash out service for cards issued by Swedbank, AB is submitted in the website of the bank www.swedbank.lt.
⁷ When card transaction is made in currency other than euro (including a cash-out with a card), conversion to euro is being calculated using „Mastercard International“ currency exchange rate at transaction processing day and increasing the amount by value stated in the pricelist. The currency conversion calculator (for Mastercard transactions) is available on the Bank's website https://www.swedbank.lt/private/home/more/calculator may be used to calculate exchange rates.
⁸ Transactions limits (expect for cash-in limit in ATMs) may be changed upon individual cardholder’s requests.
⁹ This is the total limit for all accounts of the same customer and the cards linked to these accounts. The total amount for cash withdrawal operations at ATMs applies to contracts signed before 01/10/2023.
¹⁰ This is the total limit for all accounts of the same customer and the cards linked to these accounts. The total amount for cash withdrawal operations at ATMs applies to contracts signed after 01/10/2023.

Contactless Private Banking Debit Mastercard

Valid from 07-12-2023

Card terms and rates	Fee, EUR
Contactless „Private Banking Debit Mastercard” issuing:
Card validity	4 years
Card issuing at the branch fee¹	EUR 5
Card issuing by post fee²	EUR 2
Urgent card delivery³	EUR 30
Card administration monthly fee	EUR 1
Blocking of a lost or stolen card	Free of charge
Other debit card fees:
Bill payments at ATMs of „Swedbank“, AB	Free of charge
Cash withdrawals:
at ATM‘s of „Swedbank“, AB, „Swedbank“ AS (Estonia), „Swedbank“ AS (Latvia), Swedbank AB (in Sweden) and BANKOMATAS.LT⁴ ATM‘s	0,5%, min EUR⁵ 0,5
At non „Swedbank“, AB, „Swedbank“ AS (Estonia), „Swedbank“ AS (Latvia), Swedbank AB (in Sweden) and non BANKOMATAS.LT ATM‘s	2%, min. EUR 3
at other partners cash out service providing venues⁶	0,5 %, min. EUR 0,5
Cash deposit at ATMs of „Swedbank“, AB	Free of charge
Currency exchange fee when transaction is made not in euro⁷	2.45%
Checking account balance in ATM‘s (where it is technically possible)	Free of charge
Changing of PIN at ATMs of „Swedbank“, AB	Free of charge
Copy of a receipt upon customer’s request:
on transactions in Lithuania	EUR 1,45
on transactions abroad	EUR 5,79
Standard limits⁸
for purchases	EUR 2 030 per day
The total amount for cash withdrawal operations at ATMs	EUR 870 per day, but not more than EUR 15 000 per calendar month⁹
The total amount for cash withdrawal operations at ATMs	EUR 1500 per day, but not more than EUR 15 000 per calendar month¹⁰
for cash-in in ATMs	EUR 7 500 per calendar month⁹

¹ Fee applies to the issuance of a new, renewed or replaced debit card. Fee will be charged when card is activated does not matter the card is included in the service plan or not.
² Fee is debited when activating new, renewed or replaced debit card (if the card is not included in the service plan). Renewed debit card can be sent by post without separate customer request by Swedbank decision.
³ For urgent card delivery, standard card issuing fee by post applies additionally (if card is not added into service plan), or card issuing fee at the branch, depending on chosen method of card delivery. The card will be delivered to the bank's branch or to the address indicated by the customer in Lithuania by a courier:
- on the next working day, if the card was ordered before 1:00 p.m.;
- within two working days, if the card was ordered after 1:00 p.m.
⁴ Information about the ATM network BANKOMATAS.LT can be found at www.bankomatas.lt.
⁵ Fee will be charged on the 15th day of next month.
⁶ Information about partners which are providing cash out service for cards issued by Swedbank, AB is submitted in the website of the bank www.swedbank.lt.
⁷ When card transaction is made in currency other than euro (including a cash-out with a card), conversion to euro is being calculated using „Mastercard International“ currency exchange rate at transaction processing day and increasing the amount by value stated in the pricelist. The currency conversion calculator (for Mastercard transactions) is available on the Bank's website https://www.swedbank.lt/private/home/more/calculator may be used to calculate exchange rates.
⁸ Transactions limits (expect for cash-in limit in ATMs) may be changed upon individual cardholder’s requests.
⁹ This is the total limit for all accounts of the same customer and the cards linked to these accounts. The total amount for cash withdrawal operations at ATMs applies to contracts signed before 01/10/2023.
¹⁰ This is the total limit for all accounts of the same customer and the cards linked to these accounts. The total amount for cash withdrawal operations at ATMs applies to contracts signed after 01/10/2023.

Contactless Mastercard WEB

Valid from 07-12-2023

Card terms and rates	Fee, EUR
Contactless MasterCard WEB card issuing:
Card validity	4 years
Card administration monthly fee	EUR 1¹
Card issuing at the branch fee²	EUR 5
Card issuing by post fee³	EUR 2
Urgent card delivery⁴	EUR 30
Blocking of a lost or stolen card	Free of charge
Other debit card fees:
Bill payments at ATMs of „Swedbank“, AB	Free of charge
Cash withdrawal at ATM’s and other places where this service is provided⁵:
up to EUR 290 per calendar month	Free of charge
above EUR 290 per calendar month⁶	0,5%
Cash deposit at ATMs of „Swedbank“, AB	Free of charge
Currency exchange fee when transaction is made not in euro⁷:
Up to EUR 10 000 per calendar month	Free of charge
Above EUR 10 000 per calendar month	2.45%
Checking account balance in ATM‘s (where it is technically possible)	Free of charge
Changing of PIN at ATMs of „Swedbank“, AB	Free of charge
Copy of a receipt upon customer’s request:
on transactions in Lithuania	EUR 1,45
on transactions abroad	EUR 5,79
Security Programme
Security Programme fee	Free of charge
Period until notifying of card blocking during which the Bank reimburses the client’s losses	24 hr
Maximum amount of the client’s losses not reimbursed by the Bank for participants in Youth Programme Plan “One+”	EUR 0
Maximum amount of the client’s losses not reimbursed by the Bank for participants in Youth Programme Plans “Two+”, “Three+” and “Four+”	EUR 28,96
Maximum amount of the client’s losses reimbursed by the Bank	Standard limit of daily operations (payment for purchases and services)
Total limits of operations for participants in Youth Programme Plan “One+”⁸
for purchases	EUR 30 per day
The total amount for cash withdrawal operations at ATMs (applies to contracts signed before 01/10/2023)	EUR 30 per day
The total amount for cash withdrawal operations at ATMs (applies to contracts signed after 01/10/2023)	EUR 50 per day
for cash-in in ATMs	EUR 7 500 per calendar month⁹
Total limits of operations for participants in Youth Programme Plans “Two+”, “Three+” and “Four+”⁸
for purchases	EUR 580 per day
Total permissible amount of cash withdrawal at ATMs	EUR 290 per day, but not more than EUR 10 000 per calendar month⁹
for cash-in in ATMs	EUR 7 500 per calendar month⁹

¹ No fee shall be charged on a client who is covered by the Service Plan for participants in the Plan “One+” of Youth Programme “Convenient”, for participants in the Plan “Two+” and “Three+” of Youth Programme “Convenient” or for participants in the Plan “Four+” of Youth Programme “Convenient”. The fee shall be charged from the moment when the client ceases being a participant in the Youth Programme or refuses the Service Plan for participants in the Plan “One+” of Youth Programme “Convenient”, for participants in the Plan “Two+” and “Three+” of Youth Programme “Convenient” or for participants in the Plan “Four+” of Youth Programme “Convenient” (depending on the Service Plan that was applied to the client).
² Fee applies to the issuance of a new, renewed or replaced debit card. Fee will be charged when card is activated does not matter the card is included in the service plan or not.
³ Fee is debited when activating new, renewed or replaced debit card (if the card is not included in the service plan). Renewed debit card can be sent by post without separate customer request by Swedbank decision.
⁴ For urgent card delivery, standard card issuing fee by post applies additionally (if card is not added into service plan), or card issuing fee at the branch, depending on chosen method of card delivery. The card will be delivered to the bank's branch or to the address indicated by the customer in Lithuania by a courier:
- on the next working day, if the card was ordered before 1:00 p.m.;
- within two working days, if the card was ordered after 1:00 p.m.
⁵ Except at other partners cash out service providing venues, where cash withdrawal fee 0.5% min EUR 0,5 is applied for each transaction.
⁶ Fee will be charged on the 15th day of next month.
⁷ When card transaction is made in currency other than euro (including a cash-out with a card) above 10.000 Eur/mo, conversion to euro is being calculated using „Mastercard International“ currency exchange rate at transaction processing day and increasing the amount by value stated (2,45%). Currency exchange fees can be calculated using a currency exchange calculator accessible in Bank‘s webpage: https://www.swedbank.lt/private/home/more/calculator.
⁸ Transactions limits (expect for cash-in limit in ATMs) may be changed upon individual cardholder’s requests.
⁹ This is the total limit for all accounts of the same customer and the cards linked to these accounts.

Temporary ATM card fees for private persons

Valid from 2023-02-01

Card terms and rates	Fee, EUR
Card validity	Till the last day of the next month after Temporary ATM card issuance
Card issuing fee	EUR 5
Cash withdrawals at ATMs of „Swedbank“, AB (LT)	Free of charge¹
Cash deposit at ATMs of „Swedbank“, AB (LT)	Free of charge
Blocking of a lost or stolen card	Free of charge
Standard limits²
Total permissible amount of cash withdrawal at ATMs	870 per day, but not more than EUR 10 000 per calendar month³
for cash-in in ATMs	EUR 7 500 per calendar month³

¹ For monthly cash withdrawals exceeding EUR 580, a 0.5 % min EUR 0,5 fee is applied for all amounts above EUR 580. Fee will be charged on the 15th day of next month.
² Transactions limits (expect for cash-in limit in ATMs) may be changed upon individual cardholder’s requests.
³ This is the total limit for all accounts of the same customer and the cards linked to these accounts.

Credit cards

Standard Credit Card issue and administration fees (Mastercard Standard)
Gold Credit Card issue and administration fees (Mastercard Gold)
Platinum Credit Card issue and administration fees (Mastercard Platinum)
Fixed Payment Credit Card issue and administration fees

Standard Credit Card issue and administration fees (Mastercard Standard)

Valid from 2023-12-07

Name of the service or transaction	Fee in EUR¹
Credit card fees
Card validity	3 years
Card administration fee²	1.44 euros/month
Card issuing at the branch fee³	EUR 5
Card issuing by mail fee³	EUR 2
Urgent card delivery⁴	EUR 30
Payment for a purchase or a service	Free
Cash withdrawal at ATM’s and other places where this service is provided⁵	2%, min EUR 3
Currency exchange fee when transaction is made not in euro⁶	2.45%
Balance checking at ATM’s (that have the technical capability to do so):
Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank (Sweden)	Free
Other banks	Free
Changing PIN at Swedbank, AB ATM	Free
A copy of the invoice at Client’s request⁵:
card payment in Lithuania	EUR 1.45
card payment abroad	EUR 5.79
Fees of other services
Monthly fee (Security Programme)⁷	EUR 0
Blocking a lost card	Free
Travel insurance	Free
Shopping insurance	Free
Overdraft account transaction fees
When transaction in the overdraft account are carried out without the payment card, Bank’s services and transaction fees are applied.
Total transaction limits⁸
Total allowance for payments for good and services	EUR 4,350 per day
Total allowance for ATM cash withdrawals	EUR 2,030 per day but not more than EUR 10,000 per calendar month⁹
Total allowance for ATM deposits	EUR 7,500 per calendar month⁹

¹All fees are debited from the client’s account at the Bank, unless stated otherwise in the Fees and the credit card agreement.
²The fee is debited monthly on the day of payment specified in the agreement.
³Applies for new, renewed and replaced cards. Renewed card can be sent by post with „Swedbank“, AB decision without separate customer request
⁴For urgent card delivery, standard card issuance fee applies additionally, depending on the method of card delivery chosen by the customer: by courier or in the branch. The card will be delivered to the bank's branch or to the address indicated by the customer in Lithuania by a courier:

on the next working day, if the card was ordered before 1:00 p.m.;
within two working days, if the card was ordered after 1:00 p.m.;
a new credit card, when the credit limit has not yet been granted, after the decision on granting the credit limit has been made.

⁵The fee is debited from the credit limit of the account
⁶When card transaction is made in currency other than euro (including a cash-out with a card), conversion to euro is being calculated using „Mastercard International“ currency exchange rate at transaction processing day and increasing the amount by value stated in the pricelist. Currency exchange fees can be calculated using a currency exchange calculator accessible in Bank‘s webpage: https://www.swedbank.lt/private/home/more/calculator
⁷Security Programme is valid for credit card agreements signed until 31.08.2023.
⁸At the request of the client, the daily transaction limits may be changed.
⁹This is the total limit applicable to all accounts of the same customer and the cards linked to these accounts.

Standard Credit Card service terms and conditions (Mastercard Standard)

Name of the service or transaction	Service terms and conditions EUR
Terms and conditions of other services in the basket
Security programme⁷
- Period until the notification on card lock	24 hours
- The largest amount of losses not compensated for the client	EUR 28.96
- The largest amount of losses compensated for the client	Daily transaction limit (payment for goods and services)
Travel insurance services and benefits
Medical expenses	EUR 50,000
Shopping insurance benefits
Annual shopping insurance	EUR 4,000
- Including one insured event	EUR 2,000
- Single purchase	EUR 1,000
- Purchases limited to one insured event	EUR 400
- Unconditional deduction	EUR 30
Overdraft fees and conditions
Overdraft granting	Free
Changing overdraft terms and conditions¹¹:
At a branch	EUR 8.69
Online	EUR 1
Minimum overdraft	EUR 300
Period during which interest for used overdraft is not paid (in calendar days from the purchase by a payment card)	25 days

¹⁰Detailed information on travel and shopping insurance can be found on the Bank’s website and at the branches.
¹¹Does not apply to changing the payment day, linked account and overdraft terms and conditions at Bank’s initiative.

Gold Credit Card issue and administration fees (Mastercard Gold)

Valid from 2023-12-07

Name of the service or transaction	Fee in EUR¹
Credit card fees
Card validity	3 years
Card administration fee²	EUR 3.47
Card issuing at the branch fee³	EUR 5
Card issuing by mail fee³	EUR 2
Urgent card delivery⁴	EUR 30
Payment for a purchase or a service	Free
Cash withdrawal at ATM’s and other places where this service is provided⁵:
Up to EUR 500 per calendar month	Free
Above EUR 500 per calendar month	2%
Currency exchange fee when transaction is made not in euro⁶:
Up to EUR 10.000 per calendar month	Free
Above EUR 10.000 per calendar month	2.45%
Balance checking at ATM’s (that have the technical capability to do so):
Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank (Sweden)	Free
Other banks	Free
Changing PIN at Swedbank, AB ATM	Free
A copy of the invoice at Client’s request⁷:
card payment in Lithuania	EUR 1.45
card payment abroad	EUR 5.79
Fees of other services in the basket
Monthly fee (Security Programme)⁸	EUR 0
Locking a lost card	Free
Travel insurance	Free
Shopping insurance	Free
Overdraft account transaction fees
When transaction in the overdraft account are carried out without the payment card, Bank’s services and transaction fees are applied.
Total transaction limits⁹
Total allowance for payments for good and services	EUR 8,700 per day
Total allowance for ATM cash withdrawals	EUR 2,900 per day but not more than EUR 10,000 per calendar month¹⁰
Total allowance for ATM deposits	EUR 7,500 per calendar month¹⁰

¹All fees are debited from the client’s account at the Bank, unless stated otherwise in the Fees and the credit card agreement.
²The fee is debited monthly on the day of payment specified in the agreement.
³Applies for new, renewed and replaced cards. Renewed card can be sent by post with „Swedbank“, AB decision without separate customer request.
⁴For urgent card delivery, standard card issuance fee applies additionally, depending on the method of card delivery chosen by the customer: by courier or in the branch. The card will be delivered to the bank's branch or to the address indicated by the customer in Lithuania by a courier:

on the next working day, if the card was ordered before 1:00 p.m.;
within two working days, if the card was ordered after 1:00 p.m.;
a new credit card, when the credit limit has not yet been granted, after the decision on granting the credit limit has been made.

⁵Except Perlas terminals, where cash withdrawal fee of 2%, min. EUR 3 is applied for each cash withdrawal transaction.
⁶When card transaction is made in currency other than euro (including a cash-out with a card) above EUR 10.000, conversion to euro is being calculated using „Mastercard International“ or „Visa Europe Services Inc“ currency exchange rate at transaction processing day and increasing the amount by value stated in the pricelist. Currency exchange fees can be calculated using a currency exchange calculator accessible in Bank‘s webpage: https://www.swedbank.lt/private/home/more/calculator.
⁷The fee is debited from the credit limit of the account.
⁸Security Programme is valid for credit card agreements signed until 31.08.2023.
⁹At the request of the client, the total transaction limits may be changed.
¹⁰This is the total limit applicable to all accounts of the same customer and the cards linked to these accounts.

Gold Card service terms and conditions (Mastercard Gold)

Name of the service or transaction	Service terms and conditions EUR
Terms and conditions of other services
Security programme⁸
- Period until the notification on card lock	24 hours
- The largest amount of losses not compensated for the client	EUR 28.96
- The largest amount of losses compensated for the client	Daily transaction limit (payment for goods and services)
Travel insurance services and benefits¹¹
Medical expenses and repatriation insurance	EUR 750,000
Accident insurance	EUR 10,000
Luggage, travel delay and trip cancellation insurance
Departure delay insurance
Over 4 hours	EUR 150
Over 24 hours	EUR 300
Luggage delay over 4 hours	EUR 300
Route/schedule change (including cancellation, discontinuation)	EUR 2,000
Flight ticket change	EUR 150
Civil liability and legal expenses insurance
- Civil liability	EUR 10,000
- Legal expenses	EUR 1,000
- Deposit	EUR 3,000
Flight ticket change	EUR 150
Shopping insurance benefits¹¹
Annual shopping insurance	EUR 4,000
- Including one insured event	EUR 2,000
- Single purchase	EUR 1,000
- Purchases limited to one insured event	EUR 400
- Unconditional deduction	EUR 30
Overdraft fees and conditions
Overdraft granting	Free
Changing overdraft terms and conditions¹²:
At a branch	EUR 8.69
Online	EUR 1
Period during which interest for used overdraft is not paid (in calendar days from the purchase by a payment card)	30 days

¹¹Detailed information on travel and shopping insurance can be found on the Bank’s website and at the branches.
¹²Does not apply to changing the payment day, linked account and overdraft terms and conditions at Bank’s initiative.

Platinum Credit Card issue and administration fees (Mastercard Platinum)

Valid from 2023-12-07

Name of the service or transaction	Fee in EUR¹
Credit card fees
Card validity	3 years
Card administration fee	EUR 16 /month
Card issuing at the branch fee²	EUR 5
Card issuing by mail fee²	EUR 2
Urgent card delivery³	EUR 30
Payment for a purchase or a service	Free
Cash withdrawal at ATM’s and other places where this service is provided⁴:
Up to EUR 1,000 per calendar month	Free
Above EUR 1,000 per calendar month	2%
Currency exchange fee when transaction is made not in euro⁵:
Up to EUR 10,000 per calendar month	Free
Above EUR 10,000 per calendar month	2.45%
Balance checking at ATM’s (that have the technical capability to do so):
Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank (Sweden)	Free
Other banks	Free
Changing PIN at Swedbank, AB ATM	Free
A copy of the invoice at Client’s request:
card payment in Lithuania⁶	EUR 1.45
card payment abroad⁶	EUR 5.79
Other service fees
Blocking a lost card	Free
Travel insurance	Free
Shopping insurance	Free
Additional service package annual fee⁷ (incl. VAT)	EUR 180
Overdraft account transaction fees
When transaction in the overdraft account are carried out without the payment card, Bank’s services and transaction fees are applied.
Total transaction limits⁸
Total allowance for payments for good and services	EUR 17,400 per day
Total allowance for ATM cash withdrawals	EUR 2,900 per day but not more than EUR 10,000 per calendar month⁹
Total allowance for ATM deposits	EUR 7,500 per calendar month⁹

¹All fees are debited from the client’s account at the Bank, unless stated otherwise in the Fees and the credit card agreement.
²Applies for new, renewed and replaced cards. Renewed card can be sent by post with „Swedbank“, AB decision without separate customer request.
³For urgent card delivery, standard card issuance fee applies additionally, depending on the method of card delivery chosen by the customer: by courier or in the branch. The card will be delivered to the bank's branch or to the address indicated by the customer in Lithuania by a courier:

on the next working day, if the card was ordered before 1:00 p.m.;
within two working days, if the card was ordered after 1:00 p.m.;
a new credit card, when the credit limit has not yet been granted, after the decision on granting the credit limit has been made.

⁴Except Perlas terminals, where cash withdrawal fee of 2%, min. EUR 3 is applied for each cash withdrawal transaction.
⁵When card transaction is made in currency other than euro (including a cash-out with a card) above EUR 10.000, conversion to euro is being calculated using „Mastercard International“ currency exchange rate at transaction processing day and increasing the amount by value stated in the pricelist. Currency exchange fees can be calculated using a currency exchange calculator accessible in Bank‘s webpage: https://www.swedbank.lt/private/home/more/calculator.
⁶The fee is debited from the credit limit of the account.
⁷Fee applied to Mastercard Platinum provides 20 free airport lounge visits for cardholder per calendar year. When booking an additional service package, guests visiting airport lounges are charged a one-off visit fee.
⁸At the request of the client, the total daily transaction limits may be changed.
⁹This is the total limit applicable to all accounts of the same customer and the cards linked to these accounts.

Platinum Credit Card service terms and conditions

Name of the service or transaction	Service terms and conditions EUR
Travel insurance services and benefits¹⁰
Insurance coverage	Amount per single insured
Medical expenses and repatriation insurance	EUR 750,000
Accident insurance	EUR 20,000
Insurance protection¹⁰	Amount per all insured
Travel disruption insurance
- Route/schedule change (including cancellation, discontinuation)	EUR 3,500
- Departure delay over 4 hours	EUR 500
- Luggage delay over 4 hours	EUR 1000
- Flight ticket change	EUR 150
Civil liability and legal expenses insurance
- Civil liability	EUR 20,000
- Legal aid	EUR 10,000
- Deposit	EUR 5,000
Personal belongings insurance	EUR 2,500
Casco insurance for leased vehicles	EUR 40,000 (EUR 250 deduction)
Shopping insurance benefits¹⁰
Annual shopping insurance	EUR 4,000
- Including one insured event	EUR 2,000
- Single purchase	EUR 1,000
- Purchases limited to one insured event	EUR 400
- Unconditional deduction	EUR 30
Overdraft fees and conditions
Overdraft granting	Free
Changing overdraft terms and conditions¹¹:
At a branch	EUR 8.69
Online	EUR 1
Period during which interest is not paid for used credit limit¹²	Until the 20^th of the next month (up to 50 calendar days)

¹⁰Detailed information on travel and shopping insurance can be found on the Bank’s website and at the branches.
¹¹Does not apply to changing the payment day, linked account and overdraft terms and conditions at Bank’s initiative.
¹²Valid for overdraft used to pay for purchases made by card.

Fixed Payment Credit Card issue and administration fees

Valid from 2023-12-07

New Fixed payment credit cards are no longer issued from 16.06.2022. Cards expiring 31.08.2023 and later will not be automatically renewed, but still will be replaced in case stolen, lost or upon customer request.

Name of the service or transaction	Fee in EUR¹
Fixed Payment Credit Card fees
Card validity	3 years
Overdraft account administration fee	0 euros/month
Card issuing at the branch fee²	EUR 5
Card issuing by mail fee²	EUR 2
Urgent card delivery³	EUR 30
Payment for a purchase or a service	Free
Cash withdrawal at ATM’s and other places where this service is provided⁴	2.5%, min EUR 3
Currency exchange fee when transaction is made not in euro⁵	2.45%
Balance checking at ATM’s (that have the technical capability to do so):
Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank (Sweden)	Free
Other banks	Free
Changing PIN at Swedbank, AB ATM	Free
A copy of the invoice at Client’s request⁴:
card payment in Lithuania	EUR 1.45
card payment abroad	EUR 5.79
Overdraft account transaction fees
When transaction in the overdraft account are carried out without the payment card, Bank’s services and transaction fees are applied. Interest is not paid on the balance of the Overdraft Account.
Total transaction limits⁶
Total allowance for payments for good and services	EUR 4,350 per day
Total allowance for ATM cash withdrawals	EUR 2,030 per day but not more than EUR 10,000 per calendar month⁷
Total allowance for ATM deposits	EUR 7,500 per calendar month⁷

¹All fees are debited from servicing unless stated otherwise in pricelist or credit card agreement.
²Applies replaced cards.
³For urgent card delivery, standard card issuance fee applies additionally, depending on the method of card delivery chosen by the customer: by courier or in the branch. The card will be delivered to the bank's branch or to the address indicated by the customer in Lithuania by a courier:

on the next working day, if the card was ordered before 1:00 p.m.;
within two working days, if the card was ordered after 1:00 p.m.

⁴The fee is debited from the credit limit of the account.
⁵When card transaction is made in currency other than euro (including a cash-out with a card), conversion to euro is being calculated using „Mastercard International“ currency exchange rate at transaction processing day and increasing the amount by value stated in the pricelist. Currency exchange fees can be calculated using a currency exchange calculator accessible in Bank‘s webpage: https://www.swedbank.lt/private/home/more/calculator.
⁶At the request of the client, the total daily transaction limits may be changed.
⁷This is the total limit applicable to all accounts of the same customer and the cards linked to these accounts.

Fixed payment credit card service terms and conditions (Mastercard Standard)

Shopping insurance benefits	Service terms and conditions EUR⁸
Annual shopping insurance	EUR 4,000
- Including one insured event	EUR 2,000
- Single purchase	EUR 1,000
- Purchases limited to one insured event	EUR 400
- Unconditional deduction	EUR 30
Overdraft fees and conditions
Overdraft granting	Free
Changing overdraft terms and conditions⁹:
At a branch	EUR 8.69
Online	EUR 1
Changing other terms and conditions of Fixed Payment Credit Card agreement	Free

⁸Detailed information on shopping insurance can be found on the Bank’s website and at the branches.
⁹Does not apply to changing the payment day, linked account and overdraft terms and conditions at Bank’s initiative.

Service plans

Rates of Swedbank service plans

documentValid from 2023-10-01

Valid from 2023-02-01

	"Convenient" ¹	"Convenient Plus" ¹	"Basic Payment Account Service "²
Monthly fee of the Service Plan³	EUR 1.30	EUR 3.50	EUR 1.37⁴
Minimum daily service fee including:
Bank account opening, closing and handling (except non-residents)	Not applicable	Not applicable	Not applicable
Administration of euro-denominated transfers to client accounts within Swedbank	Not applicable	Not applicable	Not applicable
Administration of euro-denominated transfers to client accounts from banks of Swedbank Group	Not applicable	Not applicable	Not applicable
Administration of euro-denominated transfers to client accounts from other banks registered in Lithuania	Not applicable	Not applicable	Not applicable
Administration of European payment funds transferred to client account	Not applicable	Not applicable	Not applicable
Fees for euro-denominated payment transfers in Swedbank Internet Bank, including small payments:
Payment transfers and periodic payments:
To other persons' accounts within Swedbank, AB	Not applicable	Not applicable	Not applicable to 10 payments per month⁵
Ordinary payments to banks registered in Lithuania and European payments	Not applicable	Not applicable	Not applicable to 10 payments per month⁵
Payment of e-invoices by automatic payment or by payment transfer:
Payment of e-invoices by automatic payment or by payment transfer	Not applicable	Not applicable	Not applicable to 10 payments per month⁵
To other banks registered in Lithuania	Not applicable	Not applicable	Not applicable to 10 payments per month⁵
Acceptance of giro payments	Not applicable	Not applicable	Not applicable to 10 payments per month⁵
Payment card fees
Payment card type	Contactless Debit MasterCard⁶	Contactless Debit MasterCard⁶	Contactless Debit MasterCard⁷
Monthly card administration fee	Not applicable	Not applicable	Not applicable
Card sending by post⁸	Not applicable	Not applicable	Not applicable
Cash withdrawal from ATMs of Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank AB (Sweden) and BANKOMATAS.LT⁹	EUR 580 / month free of charge¹⁰	EUR 1500 / month free of charge¹¹	EUR 550 / month free of charge¹²
Cash depositing in ATM of Swedbank, AB	Not applicable¹³	Not applicable¹³	Not applicable¹³
Total permissible amount of cash withdrawal at ATMs	Maximum of EUR 10 000 per calendar month¹³	Maximum of EUR 10 000 per calendar month¹³	Maximum of EUR 10 000 per calendar month¹³
Cash depositing in ATM of Swedbank, AB	Not applicable¹⁴	Not applicable¹⁴	Not applicable¹⁴
Smart ID issuance fee	Not applicable	Not applicable	Not applicable¹⁴	Not applicable¹⁵

¹ Service plan is applied to all customer’s accounts in Bank.
² Service plan “Basic payment account service” is applied to one customer’s chosen account in Bank. Standard fees are applied to other customer’s accounts.
³ The fee shall be charged per each calendar month and debited on 1 – 15 next month for the previous month. The fee shall be paid irrespective of the use of services covered by the Service Plan. A monthly fee for the first month when the client chooses the Service Plan and for the last month when the client refuses the chosen Service Plan shall be calculated proportionately to the number of days during which the terms and conditions of the chosen Service Plan were applied to the client.
⁴ Customers who have subscribed to service plan “Basic Payment Account Service” and are entitled to social assistance as deprived persons under the Law of the Republic of Lithuania on Monetary Support for Deprived Citizens (hereinafter referred to as the ‘Law’) are charged a monthly fee of EUR 0.68. Customers who are no longer considered entitled to social assistance as deprived persons under the Law will be charged a monthly fee of EUR 1.37.
⁵ Indicated number of transfers includes transfers according received SEPA direct debit instructions. Having exceeded 10 payments per month standard fees apply.
⁶ The Service Plan shall include one available debit card. The customer’s debit card included in the Service Plan shall not be eligible for any other discounts, unless the bank specifies otherwise.
⁷ The Service Plan shall include one available debit card (Maestro Basic or contactless Debit Mastercard), which shall be later upgraded to the card specified in the Service Plan. The Bank will select and assign to the Service Plan one of the customer’s available debit cards as specified above, linked to the customer’s designated account with the Bank, which will be subject to the Service Plan “Basic Payment Account Service”. The customer’s debit card included in the Service Plan shall not be eligible for any other discounts, unless the Bank specifies otherwise.
⁸ Renewed debit card can be sent by post on decision of Swedbank, AB, i.e. without separate customer’s request.
⁹ Information about the ATM network BANKOMATAS.LT can be found at www.bankomatas.lt.
¹⁰ Having cashed more than EUR 580 per month, a 0.5%, min EUR 0.5 fee applies to the exceeding amount, the fee will be debited on the 15th of the next month.
¹¹ Having cashed more than EUR 1500 per month, a 0.5%, min EUR 0.5 fee applies to the exceeding amount, the fee will be debited on the 15th of the next month.
¹² Having cashed more than EUR 550 per month, a 0.5%, min EUR 0.5 fee applies to the exceeding amount, the fee will be debited on the 15th of the next month.
¹³ The maximum permissible amount of cash withdrawal at all ATMs is EUR 10 000 per calendar month (this is the total limit for cash withdrawal at all ATMs applicable to all accounts of the same customer and the cards linked to these accounts).
¹⁴ The maximum permissible amount of cash depositing at ATMs of Swedbank, AB is EUR 7 500 per calendar month. This is the total limit applicable to all accounts of the same customer and the cards linked to these accounts.
¹⁵ When a “Basic Payment Account Service” plan is chosen and the client does not have a smart device or does not want to use Smart-ID, a PIN calculator can be issued free of charge.

General terms and conditions of application of the fees of the Service Plan:
The terms used in the Fees shall have the meaning assigned to them in Service and Operation Fees of Swedbank.
The Service Plan shall be chosen or changed by the client upon submission of the application with the Bank. Client can refuse Service Plan and has to inform Bank about refusal 30 days in advance (not applicable to Service plan “Basic Payment Account Service”).
Upon refusal of Service Plan standard fees for services and operations of Swedbank come in force.
At one time, the client may have chosen only one Service Plan.
The client, who chooses a different Service Plan offered by the Bank, shall be considered to have refused previously chosen Service Plan.
Services not covered by the Service Plan shall be charged at standard fees for services and operations of Swedbank.

Special fees for services and operations of the Bank for clients receiving salary

documentValid from 2023-10-01

Valid from 2023-02-01

Description of service or operation	Price, EUR
1. Monthly fee of the Service Plan²	1,10 Eur
2. Minimum daily service fee including:
2.1. Bank account opening, closing and handling (except non-residents)	N/A
2.2. Administration of euro-denominated transfers to client accounts within Swedbank	N/A
2.3. Administration of euro-denominated transfers to client accounts from banks of Swedbank Group	N/A
2.4. Administration of euro-denominated transfers to client accounts from other banks registered in Lithuania	N/A
2.5. Administration of European payment funds transferred to client account	N/A
3. Fees for euro-denominated payment transfers in Swedbank Internet Bank:
3.1. Payment transfers and periodic payments:
3.1.1. To other persons’ accounts within Swedbank, AB	N/A
3.1.2. Ordinary payments to banks registered in Lithuania and European payments	N/A
3.2. Payment of e-invoices by automatic payment or by payment transfer:
3.2.1. Within Swedbank, AB	N/A
3.2.2. To other banks registered in Lithuania	N/A
3.3. Acceptance of payments	N/A
4. Payment card fees
4.1. Payment card type	Contactless Debit MasterCard³
4.2. Monthly card administration fee	N/A
4.3. Fee for sending card by post⁴	N/A
5. Other payment card fees:
5.1. Cash withdrawal from ATMs of Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank AB (Sweden) and ⁶	EUR 580/month free of charge⁷
5.2. Total amount of cash withdrawals at ATMs	No more than EUR 10 000 per calendar month⁸
5.3. Cash depositing in ATMs of Swedbank, AB	N/A⁹
5. Smart ID issuance fee	N/A

¹ This Service Plan may be ordered only by those clients (natural persons), who receive salary to their account with the Bank. We consider as salary: the remuneration for work, income received according to authorship contracts or other contracts and other regular earnings. If the salary to the client, who has ordered the Service Plan, is not transferred for 3 months in a row, the provision of the Service Plan “Convenient” for clients receiving salary shall be discontinued from the next month and the client will be charged at standard fees for services and operations of Swedbank.
² The fee shall be charged per each calendar month and debited on 1 – 15 next month for the previous month. The fee shall be paid irrespective of the use of services covered by the Service Plan. A monthly fee for the first month when the client chooses the Service Plan and for the last month when the client refuses the chosen Service Plan shall be calculated proportionately to the number of days during which the terms and conditions of the chosen Service Plan were applied to the client. The Service Plan is applied to all accounts of the client with the Bank.
³ The Service Plan shall include one held debit card (Maestro Basic or Contactless Debit MasterCard). The Bank, at its own discretion, will choose and include in the Service Plan one of the above specified debit cards held by the client (on the client’s request, other held debit card may be included in the Service Plan), which later will be renewed replacing it by the card specified in the Service Plan. The client’s debit card included in the Service Plan shall not be eligible for any other discounts, unless the Bank specifies otherwise.
⁴ The renewed card may be delivered by the decision of Swedbank, AB, i.e. without a separate customer’s request.
⁵ Information about the ATM network BANKOMATAS.LT can be found at www.bankomatas.lt.
⁶ In the case of withdrawal of more than EUR 580 per month, a fee of 0.5%, min EUR 0.5 shall be charged on the amount exceeding EUR 580.
⁷ The maximum permissible amount of cash withdrawal at all ATMs is EUR 10 000 per calendar month (this is the total limit for cash withdrawal at all ATMs applicable to all accounts of the same customer and the cards linked to these accounts).
⁸ The maximum permissible amount of cash depositing at ATMs of Swedbank, AB is EUR 7 500 per calendar month. This is the total limit applicable to all accounts of the same customer and the cards linked to these accounts.

General terms and conditions of application of the fees of the Service Plan:
The terms used in the Fees shall have the meaning assigned to them in Service and Operation Fees of Swedbank.
The Service Plan shall be chosen by the client upon submission of the application with the Bank. The client, who submits the application to the Bank, can refuse such a Plan at any time or choose a different Service Plan offered by the Bank.
At one time, the client may choose only one Service Plan.
The client, who chooses a different Service Plan offered by the Bank, shall be considered to have refused the Service Plan “Convenient” for clients receiving salary.
Services not covered by the Service Plan shall be charged at standard fees for services and operations of Swedbank.

Swedbank Youth Programme Fees

documentYouth Programme Fees (valid from 28 June 2024)

Youth Programme	Zero+ [0-5]	One+ [6-13]	Two+ [14-17]	Three+ [18-22]	Four+¹ [23-25]
Participation in Swedbank Youth Programme (hereinafter – Youth Programme)
Monthly fee for participation in Youth Programme	Free of charge	Free of charge	Free of charge	Free of charge	EUR 0.70²
Service Plan “Convenient”	For participants in the Plan “Zero+” of Youth Programme³	For participants in the Plans “One+”, “Two+” and “Three+” of Youth Programme³			For participants in the Plan “Four+” of Youth Programme³
1. Monthly fee of the Service Plan	Free of charge	Free of charge			Free of charge
2. Minimum daily service fee including:
2.1. Bank account administration (including opening (except for non-resident natural persons) and closing)	Free of charge	Free of charge			Free of charge
2.2. Crediting of transfers to customer accounts within Swedbank, AB	Free of charge	Free of charge			Free of charge
2.3. Crediting of euro-denominated transfers to customer accounts from Swedbank Group banks	Free of charge	Free of charge			Free of charge
2.4. Crediting of euro-denominated transfers to customer accounts from other banks registered in Lithuania	Free of charge	Free of charge			Free of charge
2.5. Crediting of euro-denominated transfers [European payments] to customer accounts	Free of charge	Free of charge			Free of charge
3. Fees for credit transfers in Swedbank Internet Bank:
3.1. Credit transfers SEPA and recurrent credit transfers SEPA to other persons’ accounts within the Bank	-	Free of charge			Free of charge
3.2. Instant⁴ and ordinary credit transfers SEPA to the banks registered in Lithuania and ordinary credit transfers SEPA - [European payments]	-	Free of charge			Free of charge
3.3. Ordinary recurrent credit transfers SEPA to the banks registered in Lithuania and [European payments]	-	Free of charge			Free of charge
3.4. E-invoice automatic payment within the Bank and to other banks registered in Lithuania	-	Free of charge			Free of charge
3.5. E-invoice payment by credit transfer SEPA within the Bank and to other banks registered in Lithuania	-	Free of charge			Free of charge
3.6. Debiting of funds by direct debit payment order	-	Free of charge			Free of charge
3.7. Acceptance of payments	-	Free of charge			Free of charge
4. Payment card issuance fees:
4.1. Card type	-	Contactless Mastercard WEB⁵			Contactless MasterCard WEB⁵
4.2. Monthly card administration fee	-	Free of charge			Free of charge
4.3. Card issuance fee for delivery by post⁶	-	Free of charge			Free of charge
5. Other payment card fees:
5.1. Cash withdrawal from ATMs and other places where this service is provided⁷	-	EUR 290/month free of charge⁸			EUR 290/month free of charge⁸
5.2. Cash depositing in ATMs of Swedbank, AB⁹	-	Free of charge			Free of charge
Youth Programme	Zero+ [0-5]	One+ [6-13] and Two+ [14-17]		Three+ [18-22]	Four+¹ [23-25]
6. Authentication tool Smart-ID
6.1. New Issuance of Smart-ID certificate	-	Free of charge¹⁰		Free of charge¹⁰	Free of charge
6.2. Renewal of Smart-ID certificate using e. tools	-	Free of charge		Free of charge	Free of charge
6.3. Renewal of Smart-ID certificate at the Bank branches	-	Free of charge		EUR 5; VAT* EUR 0.87 (included)	EUR 5; VAT* EUR 0.87 (included)

^* Value Added Tax.
¹ This plan can no longer be chosen.
² The fee shall be charged for each calendar month and debited on the 1st–15th of the following calendar month for the previous month. The fee shall be charged irrespective of the use of services covered by the Service Plan. A monthly fee for participation in the Youth Programme Plan “Four+” for the first month in which the customer submits a request for application of the Service Plan “Convenient” for the participants in the Youth Programme Plan “Four+” and for the last month in which the customer loses the status of the participant in or refuses the Service Plan “Convenient” for the participants in the Youth Programme Plan “Four+” shall be calculated proportionately to the number of days during which the terms and conditions of the Service Plan “Convenient” for the participants in the Youth Programme Plan “Four+” were applied to the customer.
³ The Service Plan shall apply to all customer’s accounts in the Bank.
⁴ Instant credit transfer shall mean the SEPA instant credit transfer in the amount not exceeding EUR 15 000 and executed in accordance with the rules of the Instant Payment Scheme applicable within the European Union. Instant credit transfers shall only be executed to those banks registered in Lithuania which have joined the Instant Payment Scheme.
⁵ The Service Plan “Convenient” for the participants in the Youth Programme Plan “One+”, the Service Plan “Convenient” for the participants in the Youth Programme Plans “Two+” and “Three+” and the Service Plan “Convenient” for the participants in the Youth Programme Plan “Four+” may include one payment card of the Youth Programme held by the customer. The Bank, at its own discretion, shall choose and include in the Service Plan one of the debit cards held by the customer, which will be later renewed replacing it with the card specified in the Service Plan. The customer’s debit card included in the Service Plan shall not be eligible for any other discounts, unless the Bank specifies otherwise.
⁶ The fee shall not apply to the issuance of a new, renewed or replacement card if the card is missing or has been lost or upon the customer’s request. A renewed card may be sent by post by the decision of Swedbank, AB, i.e. without a separate customer’s request.
⁷ Information about partners which are providing cash out service for cards issued by “Swedbank”, AB is submitted in the website of the bank www.swedbank.lt.
⁸ In case of withdrawal of more than EUR 290 per month, a fee of 0.5% shall be charged on the amount exceeding EUR 290. The fee shall be debited on the 15th of the following month. The maximum allowable cash withdrawal amount per calendar month is EUR 10 000 (this is a general limit applicable to all accounts of the same customer and the cards linked to these accounts).
⁹ Maximum permissible amount of EUR 7 500 per calendar month for cash depositing in ATMs of Swedbank, AB shall apply. This is a general limit applicable to all accounts of the same customer and the cards linked to these accounts.
¹⁰ If the customer does not have a smart device and/or is unable to create Smart-ID account, a PIN generator may be issued at no extra charge. The PIN generator can be issued to participants of Youth Programme plans "One+", "Two+" and "Three+".

General terms and conditions of application of the Service Plan fees:
The terms used in the Fees shall have the meaning assigned to them in Swedbank’s Services and Operations Fees. The fees shall only apply to Youth Programme participants. From the moment of losing the Youth Programme participant’s status the customer shall be charged at standard fees for Swedbank’s services and operations.
A customer may only choose one Service Plan at a time.
If a customer chooses a different Service Plan offered by the Bank it shall be considered that the customer has refused the Service Plan “Convenient” for the participants in the Youth Programme Plan “One+” or the Service Plan “Convenient” for the participants in the Youth Programme Plans “Two+” and “Three+”, or the Service Plan “Convenient” for the participants in the Youth Programme Plan “Four+” (depending on the Service Plan that was applied to the customer), and also a monthly fee for participation in the Youth Programme Plan “Four+” shall no longer be charged on the customer who participated in the Youth Programme Plan “Four+”.
Services not covered by the Service Plan shall be charged at standard fees for Swedbank’s services and operations.
The Youth Programme participant’s status shall be considered to be lost in the circumstances specified in paragraph 4.3 of the General Terms and Conditions of the Youth Programme.

Swedbank Senior Programme Fees

documentSenior programme fees (valid from 1 February 2023)

Description of service or operation	Price, EUR
Monthly fee for participation in the Senior Programme	Free of charge
Service Plan “Convenient” for Senior Programme participants¹
1. Monthly fee of the Service Plan²	EUR 1
2. Minimum daily service fee including:
2.1. Bank account handling (including opening (except for non-resident natural persons) and closing)	N/A
2.2. Crediting of transfers to customer accounts within Swedbank, AB	N/A
2.3. Crediting of euro-denominated transfers to customer accounts from Swedbank Group banks	N/A
2.4. Crediting of euro-denominated transfers to customer accounts from other banks registered in Lithuania	N/A
2.5. Crediting of euro-denominated transfers [European payments] to customer accounts	N/A
3. Fees for credit transfers in Swedbank Internet Bank:
3.1. Credit transfers SEPA and recurrent credit transfers SEPA to other persons’ accounts within the Bank	N/A
3.2. Instant³ and ordinary credit transfers SEPA to the banks registered in Lithuania and ordinary credit transfers SEPA - [European payments]	N/A
3.3. Ordinary recurrent credit transfers SEPA to the banks registered in Lithuania and [European payments]	N/A
3.4. E-invoice automatic payment within the Bank and to other banks registered in Lithuania	N/A
3.5. E-invoice payment by credit transfer SEPA within the Bank and to other banks registered in Lithuania	N/A
3.6. Acceptance of payments	N/A
4. Payment card issuance fees:
4.1. Card type	Contactless Debit MasterCard⁴
4.2. Monthly card administration fee	N/A
4.3. Card issuance fee for delivery by post⁵	N/A
5. Other payment card fees:
5.1. Cash withdrawal from ATMs of Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank AB (Sweden) and BANKOMATAS.LT⁶	EUR 580/month free of charge⁷
5.2. Total amount of cash withdrawals at ATMs	No more than EUR 10 000 per calendar month⁸
5.3. Cash depositing in ATMs of Swedbank, AB	N/A⁹
6. Authentication tool Smart-ID
6.1. New Issuance of Smart-ID certificate	Free of charge¹⁰
6.2. Renewal of Smart-ID certificate using e. tools	Free of charge
6.3. Renewal of Smart-ID certificate at the Bank branches	Free of charge
Home Insurance
Annual payment for Home Insurance	-15%¹¹

¹ The Service Plan “Convenient” for Senior Programme participants shall apply to the participants in the Senior Programme and all customer’s accounts in the Bank.
² The fee shall be charged for each calendar month and debited on the 1st–15th of the following calendar month for the previous month. The fee shall be charged irrespective of the use of services covered by the Service Plan. A monthly fee for the Service Plan for the first month and for the last month in which the customer refuses the Service Plan shall be calculated proportionately to the number of days during which the terms and conditions of the Service Plan were applied to the customer.
³ Instant credit transfer shall mean the SEPA instant credit transfer in the amount not exceeding EUR 15 000 and executed in accordance with the rules of the Instant Payment Scheme applicable within the European Union. Instant credit transfers shall only be executed to those banks registered in Lithuania which have joined the Instant Payment Scheme.
⁴ The Service Plan shall include one debit card held by the customer. The effective standard card fees, except for those specified in points 4 and 5, shall apply to the customer’s debit card included in the Service Plan.
⁵ The fee shall not apply to the issuance of a new, renewed or replacement card if the card is missing or has been lost or upon the customer’s request. A renewed card may be sent by post by the decision of Swedbank, AB, i.e. without a separate customer’s request.
⁶ Information about the ATM network BANKOMATAS.LT can be found at www.bankomatas.lt.
⁷ In case of withdrawal of more than EUR 580 per month, a fee of 0.5% (the minimum being EUR 0.50) shall be charged on the amount exceeding EUR 580. The fee shall be debited on the 15th of the following month.
⁸ The maximum allowable cash withdrawal amount per calendar month is EUR 10 000 (this is a general limit applicable to all accounts of the same customer and the cards linked to these accounts).
⁹ Maximum permissible amount of EUR 7 500 per calendar month for cash depositing in ATMs of Swedbank, AB shall apply. This is a general limit applicable to all accounts of the same customer and the cards linked to these accounts.
¹⁰ If the customer does not have a smart device and/or upon the customer’s request, an identification code generator may be issued instead of Smart-ID at no extra charge.
¹¹ A discount shall apply when insuring real estate, home contents and civil liability or real estate and home contents. A 10% discount shall apply when insuring real estate and civil liability or just real estate. Insurance services are provided by Swedbank P&C Insurance AS Lithuanian Branch through the representative Swedbank, AB.

General terms and conditions of application of the Service Plan fees:
The terms used in the Fees shall have the meaning assigned to them in Swedbank’s Services and Operations Fees. The fees of the Senior Programme and respectively the Service Plan “Convenient” shall start to apply after the customer becomes the participant in the Senior Programme. Having filed an application with the Bank, the customer may at any time refuse this plan or choose another Service Plan offered by the Bank.
The Service Plan “Convenient” for Senior Programme participants shall only apply to the participants in the Senior Programme.
From the moment of losing the Senior Programme participant’s status or refusing the chosen Service Plan the customer shall be charged at standard fees for Swedbank’s services and operations.
The Senior Programme participant’s status shall be considered to be lost in the circumstances specified in the section “End of participation in the Senior Programme” of the General Terms and Conditions of the Senior Programme. A customer may only choose one Service Plan at a time.
If a customer chooses a different Service Plan offered by the Bank it shall be considered that the customer has refused the Service Plan “Convenient” for Senior Programme participants.
Services not covered by the Service Plan “Convenient” for Senior Programme participants shall be charged at standard fees for services and operations.

Agreements and services

Swedbank internet banking

Notification center

Bank by phone for natural persons

Bank by Phone Agreement signing fee	Free of charge
Bank by Phone monthly fee	Free of charge

Bank by phone service is provided only for natural persons.
Credit transfers available Bank by phone: credit transfers SEPA and credit transfers non SEPA within Swedbank, AB, ordinary credit transfers SEPA to the banks incorporated in Lithuania, credit transfers SEPA - [European payment], credit transfer non SEPA in Eur, credit transfer non SEPA to others banks and Giro payments in Eur.
Fees of a respective credit transfer in Bank branches apply.

Identification tools used in electronic channels

Issuance of PIN calculator	EUR 16
Replacement of PIN calculator	EUR 16
De-blocking of PIN calculator	Free of charge
Sending of PIN calculator via courier:
within Lithuania	EUR 9.00; VAT* EUR 1.56 (included)
to a foreign country	EUR 42.00; VAT* EUR 7.29 (included)
New Issuance of Smart-ID certificate	Free of charge
Renewal of Smart-ID certificate:
using e. tools	Free of charge
at the Bank branches	EUR 4.13; VAT* EUR 0.87 (included)

Limited usage account for natural persons, servicing account of deposit account and allowed transactions

Maintaining of the limited usage account (including opening and closing)	Free of charge
Depositing of cash denominated in EUR to the account for credit repayment or administration of credit /for complement term/savings deposit at the Bank branches	Free of charge
Withdrawal of EUR denominated cash from the account at the Bank branches:
withdrawal of the d eposit paid in EUR denominated cash;	Free of charge
withdrawal of the balance in EUR after full credit repayment.	Ref. in "Operation with cash"
Administration of funds transferred to the account for credit repayment administration of the credit:
in the credit currency;	Free of charge
in currencies other than the credit currency.	Ref. in "Incoming payment‘s crediting into account(s)"
Credit transfers at the Bank branches for the purpose of i) the use of credit funds; or ii) disbursement of the balance after full credit repayment; iii) transfering of deposit amount:
credit transfers SEPA within Bank and credit transfers SEPA to banks registered in Lithuania	Ref. in "Credit transfers SEPA"
Credit transfers non SEPA Bank.	Ref. in "Credit transfers non SEPA"

*Limited usage account for natural persons - payment account of limited functionality intended for: i) saving of the credit proceeds being repaid and/or administration of the credit (when the account is indicated in the credit agreement or other credit documents); or ii) for saving / disbursing of the deposit in EUR proceeds when the natural person is not willing to have a deposit servicing bank account with the Bank.

** Servicing account of deposit account -limited functionality account opened for depositing / withdrawing deposit funds under relevant deposit agreements until 01/01/2017, No new servicing accounts of deposit accounts shall be opened.

*** Cash transactions via Bank account can be carried out only in EUR.

Non-cash payments/settlements

Incoming payment’s crediting into account

Payments within Swedbank, AB	Day
Crediting of incoming payments within Swedbank, AB	T0	Ref. "Account agreements. Maintaining of accounts"
Payments from Swedbank Group banks¹	Day
Crediting of incoming payments in EUR	T0	Ref. "Account agreements. Maintaining of accounts"
Crediting of incoming foreign payments	T0	EUR 1.45
Payments from other banks incorporated in Lithuania	Day
Crediting of incoming payments in EUR	T0	Ref. "Account agreements. Maintaning of accounts"
Crediting of incoming foreign payments: Note: if a payment from another bank incorporated in Lithuania has passed through a correspondent bank in another country, fees specified in "Payments from foreign banks" shall be applied.	T0	EUR 1.45
Payments from foreign banks²	Day
Crediting of incoming payments in EUR - [European payment ]³	T0	Ref. "Account agreements. Maintaining of accounts"
Crediting of incoming foreign payments in SEK or RON currency⁴	T0	EUR 1.45
In other cases	T0	EUR 5.79
Return of payments (received from foreign banks) to the Payer's bank account		EUR 14.48

Day shall mean a period within which payment will credited to a beneficiary, where T0 means that payments are to be credited to the beneficiary’s account on the same day when Bank (until 17:00 on the same day) receives the payment and all information required for crediting payment from the payer’s bank. If the information is not sufficient or inaccurate for crediting the payment, the payment will be credited not earlier than on the next Bank business day.

Bank’s business day shall mean a day where such a day is neither Saturday nor Sunday, nor any other day-off or holiday defined by the legal acts of the Republic of Lithuania.

Note: On Good Friday EUR-denominated transfers are not received from other banks incorporated in Lithuania.

¹ Swedbank Group banks:

Swedbank (SWIFT code: SWEDSESS), Sweden, Stockholm

Swedbank (SWIFT code: SWEDFIHH), Finland

Swedbank (SWIFT code: SWEDNOKK), Norway

Swedbank AS (SWIFT code: HABAEE2X), Estonia

Swedbank AS (SWIFT code: HABALV22), Latvia

² Payments from banks or payment institutions in foreign countries except Russia and Belarus.

³ EUR-denominated payment from the EU Member State, Andorra, Iceland, United Kingdom, Liechtenstein, Monaco, Norway, San Marino, Switzerland and Vatican if terms are acceptable, in this case the Payee's bank SWIFT (BIC) must be indicated; the Payee's bank account must be indicated in IBAN format; and the payment type is designated SHA.

⁴ SEK or RON denominated payment from the EU Member State, Andorra, Iceland, United Kingdom, Liechtenstein, Monaco, Norway, San Marino, Switzerland and Vatican if terms are acceptable, in this case the Payee's bank SWIFT (BIC) must be indicated; the Payee's bank account must be indicated in IBAN format; and the payment type is designated SHA.

Credit transfers SEPA

	Swedbank Internet Banking	Over-the-counter	Hour	Day
	Fees shown by payment order delivey channel		Payment order delivery and execution
Within Bank (SHA)
to one's own bank account	Free of charge	EUR 2		T0
to other persons' bank account	EUR 0.23	EUR 2		T0
To banks incorporated in Lithuania (SHA)
Instant¹	EUR 0.41			T0
Ordinary	EUR 0.41	EUR 2	16:00	T0
Urgent Note: sent to the beneficiary's bank without delay	EUR 26	EUR 29	16:00	T0
[European payment]²
Ordinary	EUR 0.41	EUR 2	17:30 16:00	T0 - to Swedbank Group banks³ T0 - other instances
Urgent Note: sent to the beneficiary's bank without delay	EUR 26	EUR 29	16:00	T0
Recurrent credit transfers SEPA
Execution of recurrent credit transfers SEPA	according to corresponding ordinary credit transfer SEPA price and execution conditions in Swedbank Internet banking
Debiting of funds when executing payment order to debit funds by force (without customer's consent) Note: fees are applicable to the payer for each debit transaction	0,87 Eur

Hour shall mean an hour until which the payment order delivered on the Bank’s business day is considered as received (the countdown of the term of executing such payment order starts) on the same day and shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of the day of delivery of the payment order. Payment order delivered after the specified hour on the Bank’s business day or on the day that is not the Bank’s business day shall be considered as received (the countdown of the term of executing such payment order starts) on the next Bank’s business day, but the funds will be debited immediately, thought it shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of such next Bank’s business day (for example, should it be specified 14:00 in the ‘Hour’ column and T0 Day in the ‘Day’ column, a payment order delivered until 14:00 on the Bank’s business day shall be executed on the day of delivery of the payment order, while a payment order delivered after 14:00 or on a day that is not Bank’s business day shall be executed on the next Bank’s business day). The payment order submitted on the Bank's business day after the specified hour or on a day which is not a Bank's business day, if it has not been sent from the Bank yet, may be canceled by 4:00 on the next Bank's business day. The payment order submitted on the Bank's business day by 3:59 may be canceled before 4:00 on the same Bank business day.

Should nothing be specified in the ‘Hour’ column, payment order delivered at any time on the Bank’s business day shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of the day of delivery of the payment order.

Day shall mean a number of the Bank’s business days within which a payment order shall be executed. Countdown of the said term shall be started on the day of the receipt of a payment order, taking into account whether the payment order is delivered on the Bank’s business day and/or until the set hour on the Banks business day (see "Hour" explanations provided hereinabove). For example, T0 - the payment order shall be executed on the same Bank’s business day if delivered until time specified in the "Hour" column.

Bank’s business day:

credit transfers within Bank and Instant credit transfers – on each calendar day;
credit transfers SEPA to other banks incorporated in Lithuania (except Instant credit transfers) and [European payment]² – on a day that is neither Saturday, nor Sunday, Great Easter Friday, second Easter day, 1st of May, 25th and 26th of December, 1st of January;

¹ Instant credit transfer – the SEPA Instant credit of amount is less than EUR 15 000. Processed by EU valid instant payments schema rules. Currently Instant credit transfers are sent only to the banks registered in Lithuania that have joined Instant payments schema.

² To the EU Member State, Andorra, Iceland, United Kingdom, Liechtenstein, Monaco, Norway, San Marino, Switzerland and Vatican, if terms are acceptable, in this case the Payee’s bank SWIFT (BIC) must be indicated; the

Payee’s bank account must be indicated in IBAN format, and the payment type is designated SHA.

³ Swedbank Group banks:

Swedbank (SWIFT code: SWEDSESS), Sweden, Stockholm

Swedbank (SWIFT code: SWEDFIHH), Finland

Swedbank (SWIFT code: SWEDNOKK), Norway

Swedbank AS (SWIFT code: HABAEE2X), Estonia

Swedbank AS (SWIFT code: HABALV22), Latvia

Explanations of OUR and SHA credit transfers

OUR OUR type credit transfer means that when the funds are transferred to the Payee, the Payer (you) undertakes to pay all charges applicable by Bank and other banks’ fees established for this type of credit transfer. Where your credit transfer of such a charge to the Bank for effecting the payment order does not fully cover the charges stipulated by your Correspondent bank and the Payee's bank for effecting the payment order in question, you are expected to additionally cover the difference of the charges set by the Correspondent and Payee's banks.

SHA. SHA type credit transfer means that the Payer (you) covers the transfer-related fees charged by Bank; fees of the other banks are to be covered by the Payee (meaning that the Payee may receive not a full amount, if agreed accordingly with his payment service provider).

In case of credit transfer SEPA you (as a Payer) select the OUR transfer, Bank may refuse to carry out such credit transfer on its own discretion (the payment order shall be considered not received) or proceed with the credit transfer after changing it to the SHA transfer.

Credit transfers non SEPA

	Swedbank Internet Banking	Over-the-counter	Currency	Hour	Day
	Fees shown by payment order delivey channel		Payment order delivery and execution
Within Bank (SHA)
	EUR 0.58	EUR 3			T0
To other banks¹
Ordinary (SHA)	EUR 13	EUR 16	To Swedbank Group banks²:
			SEK, USD	16:00	T0
			DKK, NOK	15:00	T0
			Other currencies to Swedbank Group banks in Latvia, Estonia	15:00	T0
			Other instances	22:00	T+2
Urgent (SHA)	EUR 26	EUR 29	USD	16:00	T+1
Urgent (SHA)	EUR 26	EUR 29	Other currencies	14:00	T+1
Express (SHA)	EUR 57	EUR 60	USD	15:00	T0
Additional fee, if Payer undertakes to pay foreign bank charges (OUR³)	EUR 15	EUR 15
Recurrent credit transfers non SEPA within Bank and to other banks¹
Execution of recurrent credit transfers non SEPA	according to corresponding ordinary credit transfer non SEPA price and execution conditions in Swedbank Internet banking

Hour shall mean an hour until which the payment order delivered on the Bank’s business day is considered as received (the countdown of the term of executing such payment order starts) on the same day and shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of the day of delivery of the order. Payment order delivered after the specified hour on the Bank’s business day or on the day that is not the Bank’s business day shall be considered as received (the countdown of the term of executing such payment order starts) on the next Bank’s business day, but the funds will be debited immediately, thought it shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of such next Bank’s business day (for example, should it be specified 14:00 in the ‘Hour’ column and T0 Day in the ‘Day’ column, a payment order delivered until 14:00 on the Bank’s business day shall be executed on the day of delivery of the order, while a payment order delivered after 14:00 or on a day that is not Bank’s business day shall be executed on the next Bank’s business day). The payment order submitted on the Bank's business day after the specified hour or on a day which is not a Bank's business day, if it has not been sent from the Bank yet, may be canceled by 4:00 on the next Bank's business day. The payment order submitted on the Bank's business day by 3:59 may be canceled before 4:00 on the same Bank business day.

Should nothing be specified in the ‘Hour’ column, payment order delivered at any time on the Bank’s business day shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of the day of delivery of the payment order.

Day shall mean a number of the Bank's business days within which a payment order shall be executed. Countdown of the said term shall be started on the day of the receipt of a payment order,

taking into account whether the payment order is delivered on the Bank's business day and/or until the set hour on the Bank's business day (see 'Hour' explanations provided hereinabove). For example, T0 - the payment order shall be executed on the same Bank's business day if delivered until time specified in the 'Hour' column.

Bank's business day:

Credit transfers non SEPA within Bank – on each calendar day;
Other credit transfers non SEPA – on a day when Bank’s intermediate bank and beneficiary's bank performs transactions under the respective credit transfers. Bank performs such transactions on days that are neither Saturday, nor Sunday, nor other day-off or holiday defined by the legal acts of the Republic of Lithuania.

¹ To banks and payment service institutions in Lithuania and other countries, except for: Afghanistan, American Samoa, Anguilla, Aruba, Belarus, Belize, Bhutan, Bonaire, Sint Eustatius and Saba, British Virgin Islands, Brunei Darussalam, Burkina Faso, Burundi, Central African Republic, Chad, Comoros, Cook Islands, Democratic People's Republic of Korea (North Korea), Djibouti, East Timor (Timor Leste), El Salvador, Equatorial Guinea, Eritrea, Eswatini (Swaziland), Fiji, Gambia, Grenada, Guinea, Guinea-Bissau, Haiti, Islamic Republic of Iran, Iraq, Kiribati, Lesotho, Marshall Islands, Mauritania, Myanmar (Burma), Federated States of Micronesia, Montserrat, Nauru, Niger, Niue, Northern Mariana Islands, Palau, Papua New Guinea, Russia, Saint Helena, Saint Lucia, Saint Vincent and the Grenadines, Samoa, Sao Tome and Principe, Syria, Solomon Islands, Somalia, South Sudan, Suriname, Tonga, Turks and Caicos, Tuvalu, Vanuatu, Bolivarian Republic of Venezuela, Wallis and Futuna, Western Sahara.

² Swedbank Group banks:

Swedbank (SWIFT code: SWEDSESS), Sweden, Stockholm

Swedbank (SWIFT code: SWEDFIHH), Finland

Swedbank (SWIFT code: SWEDNOKK), Norway

Swedbank AS (SWIFT code: HABAEE2X), Estonia

Swedbank AS (SWIFT code: HABALV22), Latvia

³ OUR credit transfers non SEPA shall be available only in certain cases when credit transfer non SEPA is executed to the other state which is a non EU Member State, Iceland, Liechtenstein, Norway.

If the credit transfer non SEPA is made in any currency to EU Member State, Iceland, Liechtenstein, Norway and you (as a Payer) select the OUR transfer, Bank may refuse to carry out such credit transfer on its own discretion (the payment order shall be considered not received) or proceed with the credit transfer after changing it to the SHA credit transfer.

Explanations of OUR and SHA credit transfers

OUR. OUR type credit transfer means that when the funds are transferred to the Payee, the Payer (you) undertakes to pay all charges applicable by Bank and other banks' fees established for this type of credit transfer. Where your payment of such a charge to the Bank for effecting the payment order does not fully cover the charges stipulated by your Correspondent bank and the Payee's bank for effecting the payment order in question, you are expected to additionally cover the difference of the charges set by the Correspondent and Payee's banks.

Note: if a credit transfer is denominated in USD, other banks' fees can be additionally debited from the Payee's bank account.

SHA. SHA type credit transfer means that the Payer (you) covers the transfer-related fees charged by Bank; fees of the other banks are to be covered by the Payee (meaning that the Payee may receive not a full amount , if agreed accordingly with his payment service provider).

Explanation of the return of credit transfers
In cases when return of the credit transfer is initiated by the beneficiary bank or bank correspondent (e.g. due compliance risk, inaccurate payment data, etc.), their fees can be deducted from the transfer amount or debited from the payer's (your) account.

E. invoice payments in EUR

	Fees shown by payment order delivery channel	Payment order delivery and execution
	Swedbank Internet Banking	Hour	Day
Within Bank:
E.invoice automatic payment	free of charge		T0
Credit transfer SEPA	EUR 0.23		T0
To banks incorporated in Lithuania:
E.invoice automatic payment	EUR 0.41		T0
Credit transfer SEPA	EUR 0.41	16:00	T0

Hour shall mean an hour until which the payment order delivered on the Bank’s business day is considered as received (the countdown of the term of executing such payment order starts) on the same day and shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of the day of delivery of the payment order. Payment order delivered after the specified hour on the Bank’s business day or on the day that is not the Bank’s business day shall be considered as received (the countdown of the term of executing such payment order starts) on the next Bank’s business day, but the funds will be debited immediately, thought it shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of such next Bank’s business day (for example, should it be specified 14:00 in the ‘Hour’ column and T0 Day in the ‘Day’ column, a payment order delivered until 14:00 on the Bank’s business day shall be executed on the day of delivery of the payment order, while a payment order delivered after 14:00 or on a day that is not Bank’s business day shall be executed on the next Bank’s business day). The payment order submitted on the Bank's business day after the specified hour or on a day which is not a Bank's business day, if it has not been sent from the Bank yet, may be canceled by 4:00 on the next Bank's business day. The payment order submitted on the Bank's business day by 3:59 may be canceled before 4:00 on the same Bank business day.

Should nothing be specified in the ‘Hour’ column, payment order delivered at any time on the Bank’s business day shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of the day of delivery of the payment order.

Day shall mean a number of the Bank’s business days within which a payment order shall be executed. Countdown of the said term shall be started on the day of the receipt of a payment order, taking into account whether the payment order is delivered on the Bank’s business day and/or until the set hour on the Bank’s business day (see ‘Hour’ explanations provided herein above). For example, T0 - the payment order shall be executed on the same Bank’s business day if delivered until time specified in the ‘Hour’ column.

Bank’s business day:
- Credit transfers within Bank – on each calendar day;
- Credit transfers SEPA to other banks incorporated in Lithuania– on a day that is neither Saturday, nor Sunday, Great Easter Friday, second Easter day, 1st of May, 25th and 26th of December, 1st of January.

Giro payments in eur

	Fees shown by Giro payment delivery channel		Giro payment delivery and execution
	Swedbank Internet Banking	Over-the-counter	Hour	Day
Giro payments within Bank
Giro payments paid using "Payments cart"	EUR 0.23 for payment	-		T0
Other Giro payments	EUR 0.23 per payment	EUR 2 per payment		T0
Giro payments to banks incorporated in Lithuania
Giro payments paid using "Payments cart"	EUR 0.41 for payment	-	16:00	T0
Other Giro payments	EUR 0.41 per payment	EUR 2 per payment	16:00	T0

Hour shall mean an hour until which Giro payment delivered on the Bank’s business day is considered as received (the countdown of the term of executing such Giro payment starts) on the same day and shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of the day of delivery of Giro payment. Giro payment delivered after the specified hour on the Bank’s business day or on the day that is not the Bank’s business day shall be considered as received (the countdown of the term of executing such Giro payment starts) on the next Bank’s business day, but the funds will be debited immediately, thought it shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of such next Bank’s business day (for example, should it be specified 16:00 in the ‘Hour’ column and T0 Day in the ‘Day’ column, Giro payment delivered until 16:00 on the Bank’s business day shall be executed on the day of delivery of the order, while Giro payment delivered after 16:00 or on a day that is not Bank’s business day shall be executed on the next Bank’s business day). The Giro payment submitted on the Bank's business day after the specified hour or on a day which is not a Bank's business day, if it has not been sent from the Bank yet, may be canceled by 4:00 on the next Bank's business day. The Giro payment submitted on the Bank's business day by 3:59 may be canceled before 4:00 on the same Bank business day.

Should nothing be specified in the ‘Hour’ column, Giro payment delivered at any time on the Bank’s business day shall be executed within the number of the Bank’s business days specified in the ‘Day’ column, counting as of the day of delivery of Giro payment.

Day shall mean a number of the Bank’s business days within which Giro payment shall be executed. Countdown of the said term shall be started on the day of the receipt of Giro payment, taking into account whether Giro payment is delivered on the Bank’s business day and/or until the set hour on the Bank’s business day (see ‘Hour’ explanations provided hereinabove). For example, T0 – Giro payment shall be executed on the same Bank’s business day if delivered until time specified in the ‘Hour’ column.

Bank’s business day:

- Giro payments within Bank – on each calendar day;

- Giro payments to other banks incorporated in Lithuania – on a day that is neither Saturday, nor Sunday, Great Easter Friday, second Easter day, 1st of May, 25th and 26th of December, 1st of January.

Additional services related with credit transfers

Administration of cancellation and correction of credit transfers¹
Cancellation of the credit transfer SEPA to banks incorporated in Lithuania²	EUR 2.90
Cancellation or correction of the international credit transfer³ Note: any amendment to the payment order data shall be considered as correction thereof. Note: in the case of cancellation of an international credit transfer³, its conversion transaction is not revoked.
when the credit transfer has not been sent out from the Bank²	EUR 8.69
when the transfer has been sent out from the Bank	EUR 43.44 plus fees applied by other banks
Confirmations, notices, issuance of information
Copy of international credit transfer³ Bank message (XML/SWIFT):
via Swedbank internet banking	free of charge
at Bank branch	EUR 5.79 for a confirmation
Investigation of execution of an international credit transfer³ at the customer’s request and issuance of the resulting information Note: the fee shall not be applied if credit transfer from a natural person’s Bank account has been executed in the currency of the SEPA Member State⁴ to the SEPA Member State⁴, and the customer’s request is reasonable, i.e. the said transfer has been failed or has been executed improperly.	EUR 28.96 plus other bank fees

¹ The fee is not applied when the payment order is submitted on a Bank business day after the specified hour, or on a Bank business day before 3:59, or on a day that is not a Bank business day, and such credit transfer is canceled by the payer in Swedbank Internet Bank until the next Bank business day 4:00.

² The fee applies regardless of whether the funds are returned to the payer. If the funds are credited to the beneficiary's account or the credit transfer is sent from the Bank, the funds may be returned to the payer only with the consent of the beneficiary.

³ International credit transfer - credit transfer non SEPA to banks incorporated in Lithuania, credit transfer SEPA to foreign banks and credit transfers non SEPA to foreign banks.

⁴ SEPA Member State - EU Member State, Andorra, Iceland, United Kingdom, Liechtenstein, Monaco, Norway, San Marino, Switzerland and Vatican.

Operations with cash

Operation with cash

Depositing of cash at ATMs of Bank	Ref. "Payment cards fees"
Depositing of cash denominated in EUR at the Bank office:
in banknotes to one's own bank account*	0.2% of the sum paid; min EUR 5
in banknotes to “Swedbank”, AB account Note: Natural and legal persons who have contractual relations with the Bank regarding the use of financial services and who do not have a bank account at Swedbank, may deposit in cash no more than EUR 10,000 per day in order to settle with the Bank for services rendered or to fulfil existing obligations.	0.4% of the sum paid; min EUR 5
in EUR-denominated coins to one’s own bank account**	4.5% of the sum paid; min EUR 5
in EUR-denominated coins to “Swedbank”, AB account Note: Natural and legal persons who have contractual relations with the Bank regarding the use of financial services and who do not have a bank account at Swedbank, may deposit in cash no more than EUR 10,000 per day in order to settle with the Bank for services rendered or to fulfil existing obligations.	4.5% of the sum paid; min EUR 5
Withdrawal of cash at ATMs	Ref. "Payment cards fees"
Withdrawal of cash from one's bank account over-the-counter at the Bank office***
Cash withdrawal in EUR from account (exept withdrawal of cash from a Senior account). Note: the minimum cash withdrawal amount is EUR 2 000. no fee is charged in the event if the balance of account denominated in EUR and worth less than EUR 5 is paid out to the customer following the closing of the bank account in question. no fee is charged when cash is withdrawn from a bank account opened with the Bank before 1 December 2001 and the sum is returned to the account upon the expiry of the maturity of the deposit in question.	2% of the sum; min EUR 5
Withdrawal of cash (EUR) from a Senior account if it has been held with the Bank for over one month Note: a 1-month condition is irrelevant if such an account has been renewed.
If the amount does not exceed EUR 8,700 (inclusive)	Free of charge
If the amount exceeds EUR 8,700	2% of the amount exceeding EUR 8,700, min EUR 5
Advance order for cash in EUR To withdraw EUR 10 000 or more, you should order the cash 2 bank business days in advance by the Internet Bank message or by calling +370 5 268 4444 Note: Bank shall determine at each branch the amounts from which cash must be ordered and the time limit for order fulfilment. Note: Cash is ordered via Swedbank Internet Bank or by submitting a written request at a branch.	Free of charge
A fee for the cancellation of an advance order of cash or because of a post- due taking-out of cash	0.2% of the cancelled sum; max EUR 289.62
Exchange of cash denominated in EUR into other denominations of the same currency***	4.5% of the sum paid; min EUR 5
Exchange of EUR worn-out banknotes	Free of charge
Re-counting of EUR banknotes without carrying out other bank operationsRe	EUR 0.03 for a banknote
Checking of EUR banknotes without carrying out other bank operations	EUR 0.03 for a banknote
Administration of collected EUR-denominated coins****	0.6 % of the amount

* The fee does not apply for natural person when the payment order in euro to transfer deposited cash to one’s own account in another bank or to another customer’s account in any other bank is presented at once.

** The fee does not apply when the sum does not exceed EUR 5. The fee does not apply for natural person when the payment order to transfer deposited cash to one’s own account in another bank or to another customer’s account in any other bank is presented at once.

*** The fee does not apply for the exchange of EUR-denominated coins when the sum does not exceed EUR 5.

**** The fee is applicable to customers whose cash is delivered to the bank using collection services provided by third parties.

Loans

Fees for home loans and home equity loans

Service or operation name	Fee, EUR
Fee for concluding the agreement
Loan administration fee, fee for increasing of a loan amount	0.4 % of a loan amount (minimum EUR 180)
Fee for amendments to the agreement
Fee for change of loan conditions¹ (loan maturity, collaterals, etc.)	EUR 180
Fee for setting of a grace period	EUR 90
Fee for change of interest rate	0.4 % of taken and outstanding loan amount (minimum EUR 180)
Change of interest type from fixed to variable interest, or change of interest fixation term, or change of long-term variable interest² term³	X% (minimum - 1.5 %) from outstanding amount of the loan the terms and conditions of which are being changed For the purpose of calculating the variable X, coefficient 0.084 is multiplied by the whole number of months remaining until the end of the interest fixation period or, respectively, until the end of period of the long-term interest fixed for a period exceeding 12 months
Early loan repayment fee
When at the moment of early loan repayment the loan is charged a variable interest rate fixed for a period not exceeding 12 months	No fee. Minimum early repayment amount shall be not smaller than EUR 300⁴
When at the moment of early loan repayment the loan is charged a fixed interest rate or a long-term variable interest rate	Compensation amount (C) shall be calculated in accordance with the procedure set forth in Annex 1
Other fees
Fee for granting the approval for remortgage (conditional mortgage) to another creditor⁵	EUR 150
Late payment charge for the outstanding part of the principal and for unpaid interest	0.05 % per each delayed day
Additional services	EUR 45

Comments:

¹ Fee for change of the agreement shall not apply in the following cases:

when a long-term variable interest rate is charged for euro-denominated loans where not more than 1 (one) month has elapsed after the end of the loan use period;
for change of the servicing bank account;
for change of repayment day;
when the property being mortgaged/already mortgaged to the Bank is insured by the Bank;
when the loan repayment schedule is changed upon early repayment of a part of the loan and the loan balance is arranged over the residual maturity of the loan;
setting of a grace period for 4 months when borrowers receive 10% or 20% subsidy for existing Mortgage Loan with State Support;
setting of a grace period upon early repayment of a part of the loan according to the loan agreement concluded before 12 May 2008, provided that no arrangements on the change of its terms and conditions (except for the agreement on property insurance) have been signed after the specified date;
setting of a grace period when according to the loan agreement concluded from 12 May 2008 or according to the loan agreement regarding the amendment of terms and conditions of which arrangements were signed after the specified date (except for the agreement on property insurance), where the early repayment amount is not smaller than EUR 300⁶;
loan agreement termination arrangements when borrowers have paid the loan administration fee of the established amount after conclusion of the loan agreement and the loan has not been granted.

In individual cases higher fee for change of loan conditions may apply.

² Before entry into force of the Law of the Republic of Lithuania on Credit Relating to Real Property, interest fixed for the period exceeding 12 months, but not for the entire loan maturity, was considered to be fixed interest. As from 1 July 2017, such interest is designated as “long-term variable interest”.

³ No fee is charged when, upon expiry of the term specified in the loan agreement, the long-term variable interest specified in the loan agreement is changed into variable interest in accordance with the terms and conditions of the loan agreement.

⁴ Were the amount obtained by dividing the outstanding amount of the loan by residual maturity (in months) is smaller than EUR 300, the borrower shall have the right of early repayment of such part of the loan which is smaller than EUR 300.

⁵ Where the reason for the approval of remortgage is the sale of the mortgaged property to another person who must mortgage such property in order to secure the repayment the loan being taken, the granting of such approval shall be charged a fee as specified in the common Service and Operation Fees of the Bank for the issue of certificates (about loans being granted / already granted / repaid loans.

Annex 1: Compensation amount (C) shall be calculated in accordance with the procedure

A typical example:

If the total amount of a real estate mortgage loan is EUR 100 000, with a loan agreement term of 26 years, at a variable annual interest rate of 5.93%, with a one-off agreement administration fee of 0.4% of the loan amount (EUR 400), a minimum daily service fee (EUR 1 per month), a mortgage registration fee (EUR 8.60), and with the mortgage repayments made by annuity, the annual rate of the total cost of the loan 6.25%, and the total amount payable by the borrower would be EUR 198 689.03 The total number of repayments is 312 and the repayment amount is EUR 634.53.

The annual percentage rate of charge, the total amount payable by the borrower, the total number of loan payments and the amount of each instalment are calculated under the assumption that the credit agreement will be valid for a period equal to the duration of the credit agreement, that the entire loan will be paid out on the day that the agreement is signed, that the parties will fulfil all of their obligations properly, and that the variable interest rate, fees and other costs will remain the same as at the time of conclusion of the credit agreement and will continue to apply until the end of the credit agreement. A customer shall also bear the costs of property insurance and appraisal. These costs depend on the individual characteristics of collateral and, therefore, are not included in the total credit price in the example above.

If the loan agreement is concluded in a foreign currency, i.e. if the currency of the customer’s revenues (or the major share thereof) and/or the customer’s state of residence, which is an EU member state or a member state of the European Economic Area, from the currency of the loan issued in euros, the change of the foreign currency compared to euro may significantly increase the amount of the issued loan and the associated payments.

The loan must be secured by mortgage of real estate acceptable to the bank, and the mortgaged property must be insured by concluding an insurance agreement. A report by an independent property appraiser may be required on the value of the collateral. The costs of property insurance and appraisal depend on individual characteristics of collateral, and shall be prescribed by agreements you may have with the relevant service providers.

By using these financing services, you are assuming financial obligations. Improper fulfilment or non-fulfilment of financial obligations may have a negative impact on your credit history and make borrowing more expensive; you also risk losing ownership rights to the mortgaged real estate.

Besides, a loan administration fee may be charged at the time of entry into a credit agreement. Loan administration fees and other fees are provided here.

Insurance

Life insurance / Life insurance to cover loan

Insurance cover	Monthly payment
Life and disability insurance	Depends on your age, state of health, sum insured and other risk factors.
Trauma insurance (selectable)	6.25 €

Service	Monthly payment, EUR
Contract conclusion	Free of charge
Contract amendment	Free of charge
Early termination of the contract	Free of charge

Effective from 2020.09.10

Securities

1. Trading in units of investment funds*	Subscription**	Regular investment**	Redemption	Switch***
1.1. “Swedbank” group funds	Free of charge	Free of charge	Free of charge	Free of charge
1.2. Global fixed income funds
1.2.1. Franklin Templeton funds	0,5 % + EUR 7	0,5%, min EUR 0,75	EUR 7	EUR 7
1.2.2. Funds managed by other management companies	0,5 % + EUR 21		EUR 21	EUR 21
1.3. Global equity and mixed funds
1.3.1. Franklin Templeton funds	1,5 % + EUR 7	1,5%, min EUR 0,75	EUR 7	EUR 7
1.3.3. Funds managed by other management companies	1,5 % + EUR 21		EUR 21	EUR 21
2. Monthly securities safekeeping****
2.1. “Swedbank” group funds		Free of charge
2.2. Other funds		Up to EUR 30 000 - free of charge, from the value above EUR 30 000, 0,008 % *****

* Fund orders submitted to the Bank cannot be cancelled.

** Percentage fee calculated from subscription amount. Additional fixed operations fees may be applied to subscription, redemption and fund switch transactions as specified in table above.

*** Fund switch subject to the conditions specified in the relevant fund terms, fee charged only on delivery side.

**** Safekeeping fee is calculated based on the market value of the investment fund units on the account on the last date of the calendar month.

***** Lithuanian Republic Government Saving Notes and “Swedbank” group funds are excluded from the calculation of the portfolio value for safekeeping fee calculation.

If “Swedbank”, AB (hereinafter the Bank) is obliged to pay any taxes, fees, interest, penalties or incur other costs that are not covered in the Bank’s Price List and are related to the provision of securities safekeeping, execution and any other relevant service to the Client, the Bank shall have the right to debit such amounts from the Client’s Current Account without prior Client’s consent. The Bank shall provide additional information about such debits and the underlying costs to the Client upon request.

	Internet bank	Branch
1. Securities account
1.1. Account opening*	Free of charge	Free of charge
1.2. Account closing	Free of charge	Free of charge
1.3. Account statement of holdings / transactions	Free of charge	Free of charge
2. Trading in equities and ETFs *
	Internet bank	At branch / via brokerage
2.1. Lithuania, Latvia and Estonia	Free of charge	0,35%, min EUR 10
2.2. USA, Sweden, United Kingdom (including DRs)**	0,25%, min EUR 8	0,35%, min EUR 35
2.3. Austria, Belgium, Canada, Denmark, Finland, France, Germany (Xetra), Ireland, Italy, Netherlands, Norway, Poland, Portugal, Spain, Switzerland	0,25%, min EUR 11	0,35%, min EUR 35
2.4. Other markets	Subject to agreement	Subject to agreement
2.5. Direct transactions on Nasdaq Tallinn, Riga, Vilnius trading venues	Subject to agreement	Subject to agreement
2.6. Participation in auctions organized by Nasdaq Tallinn, Riga, Vilnius trading venues	Subject to agreement	Subject to agreement
2.7. Settlement of repurchase agreement***	EUR 30

* Percentage fees calculated from trade amount.

Trading fee is charged in trading currency, the Bank exchange rates apply.

Minimum order size may be applied for certain countries.

Trading orders transmitted to the Bank can be cancelled only until executed.

In case the order is not executed in full during a single trading day, the trading fee (including minimum trading fee) for partial order execution is charged in full for each trading day when the order is partially executed.

Exchange traded funds (ETFs) are treated as shares.

If purchase transactions are subject to FTT according to local market regulations (e.g. France, Italy), such tax is added to the transaction charges.

** A stamp duty of 0,5% of transaction amount on buying UK securities and 1% on buying Irish securities is added to the transaction charges. In certain events, a higher rate (1,5%), a bonus rate or tax exemption may apply for UK securities.

*** Repurchase transactions available only for professional clients.

3. Trading in debt securities
3.1. Primary market
3.1.1. Participating at the domestic bonds primary auctions held by the Ministry of Finance of Lithuania at NASDAQ Vilnius	0.02%*, min EUR 15
3.1.2. Transactions of other debt securities	0.25%*, min EUR 30
3.2. Secondary market
3.2.1 Transactions of debt securities (excluding Nasdaq Tallinn, Riga, Vilnius trading venues) - all transaction fees, incl. transaction margin, are included in the agreed purchase/sales price:
3.2.1.1. Face value of the transaction up to 100,000 EUR or the equivalent in other currency	margin up to 3%*
3.2.1.2. Face value of the transaction from 100,000 EUR or the equivalent in other currency	margin up to 2%*
3.2.2. Transactions of debt securities in Nasdaq Tallinn, Riga, Vilnius trading venues	0.25%*, min EUR 30

* Calculating from the face value of the transaction

4. Monthly securities safekeeping fee*
4.1 Monthly securities safekeeping fee**	Up to EUR 30 000 - free of charge, from the value above EUR 30 000, 0,008% ***

* Safekeeping fee is calculated based on the value of the portfolio on the last date of the calendar month. Securities are priced according to the month end prices of the Bank’s local agents, market price or nominal value of the security. Bonds are always priced at nominal value. The safekeeping fees are debited from the Client’s current account linked to the securities account.

ETF safekeeping fee equals to the safekeeping fee of its trading country.

Safekeeping on other markets subject to separate agreement.

Safekeeping fee includes safekeeping fees charged by the Bank’s local market agents

Safekeeping of Depositary Receipts (ADR, GDR) is subject to the respective DR Agent’s fees.

** Lithuania, Latvia, Estonia, Austria, Belgium, Canada, Denmark, Hong Kong, Finland, France, Germany, Ireland, Italy, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, UK, USA, Bulgaria, Croatia, Czech Republic, Hungary, Poland, Russia, Depositary Receipts**, Eurobonds.

*** Lithuanian Republic Government Saving Notes and “Swedbank” group Funds are excluded from the calculation of the portfolio value for safekeeping fee calculation.

5. Transaction fees*
5.1. Free of payment transaction
5.1.1. Between the securities accounts of the Bank’s client**	EUR 3
5.1.2. Lithuania
5.1.2.1 Free of payment delivery	EUR 6
5.1.2.2. Free of payment receipt	Free of charge
5.1.3. Estonia, Latvia***	EUR 10
5.1.4. Denmark, Sweden, Norway, Finland, Belgium, Canada, France, Ireland, Netherlands, UK, Germany, USA, Eurobonds***	EUR 15
5.1.5. Austria, Czech Republic, Hong Kong, Hungary, Italy, Poland, Portugal, Spain, Switzerland, Investment funds***	EUR 25
5.1.6. Bulgaria, Croatia, Russia***	EUR 45
5.2. Against payment transaction
5.2.1. Lithuania
5.2.2. Estonia, Latvia***	EUR 10
5.2.3. Denmark, Sweden, Norway, Finland, Belgium, Canada, France, Ireland, Netherlands, UK, Germany, USA, Eurobonds***	EUR 15
5.2.4. Austria, Czech Republic, Hong Kong, Hungary, Italy, Poland, Portugal, Spain, Switzerland, Investment funds***	EUR 25
5.2.5. Bulgaria, Croatia, Russia***	EUR 45
5.3. Transaction cancellation****	Transaction fee

* Fees charged from both parties of the transaction if not specified otherwise.

For investment fund units’ trading, please see „Investment Fund Units’ Trading and Safekeeping“

** Fee is charged from delivery transaction

*** Transaction fee includes standard settlement fees charged by the Bank’s local market agents.

**** Cancellation is allowed if instruction is not yet processed by the Bank.

6. Other services
6.1. Registration of other transactions
6.1.1. Bank’s standard OTC agreement between the securities accounts of the Bank’s clients*	10 Eur
6.1.2. Non-standard OTC agreement*	Subject to agreement, min. EUR 50
6.1.3. Bank internal inheritance transaction between the securities accounts of the Bank’s clients**	EUR 10
6.1.4. Third party broker trade confirmation	Transaction fee
6.2. Pledge
6.2.1. Pledge registration or amendment***	EUR 30
6.2.2. Pledge release	Free of charge
6.3. Participation in subscriptions and offers	Transaction fee
6.4. Mandatory corporate actions	Free of charge
6.5. Representing a client at general meeting****	EUR 120 + actual expenses
6.6. Processing of electronic voting instructions at general meeting*****	EUR 50 + actual expenses
6.7. Other corporate actions	Subject to agreement
6.8. Changing the securities market******	Subject to agreement
6.9. Tax reclaim**,*****	EUR 60 + actual expenses
6.10. Tax relief at source (Finland, Norway, Sweden)	Free of charge
6.11. Owner account at Nasdaq CSD********
6.11.1. Account opening*********	EUR 50
6.11.2. Monthly account maintenance**********	EUR 50
6.11.3. Account closing	Free of charge
6.11.4. Account statement of holdings / transactions	Free of charge

* Fees charged from both parties of the transaction if not specified otherwise.

** In case of inheritance of securities, fee charged only from the beneficiary. Free of payment transaction fee applies additionally, in case securities delivered/received to/from another custodian.

*** Pledge registration based on bailiff’s instructions is free of charge.

**** Tax reclaim and general meeting services are subject to availability on each specific market.

***** Includes necessary information providing to the Client for electronic voting. Service is subject to availability on each specific market.

****** Service is provided in case when trading or safekeeping in specific market is not available anymore. Service is subject to availability on each specific market.

******* Fee will be debited next month after the tax reclaim application is submitted by the client. The fee will not be refunded in case the application is denied by third parties.

******** Owner account is an account in the name of the Client opened at Nasdaq CSD, Lithuania and used only on behalf of the specific Client.

********* Owner accounts can be opened only at the branch office.

********** Maintenance fee is charged in addition to monthly securities safekeeping fee.

7. Derivatives
7.1. Over-The-Counter (OTC) FX forward and FX swap	up to 2% from deal amount (included in currency rate)
7.2. Over-The-Counter (OTC) FX option	up to 2% from deal amount (included in premium amount)
7.3. Exchange-Traded options and futures	up to EUR 100 *

*Applicable for every contract.


Purchase of Lithuanian Republic Government Saving Notes	Free of charge
Monthly securities safekeeping fee for Lithuanian Republic Government Saving Notes	Free of charge
Withdrawal of funds received for Lithuanian Republic Government Saving Notes, distributed before February 9, 2021, in cash over- the- counter at the Bank office during 60 days from the coupon payment or redemption¹.	Free of charge

¹Withdrawal of funds in cash over-the-counter at the Bank office for Lithuanian Republic Government Saving Notes (i) distributed until February 9, 2021, upon the expiry of 60 days from their coupon payment or redemption and (ii) distributed after February 9, 2021, shall be done at standard fees indicated in clause No 4 “Withdrawal of cash from one’s bank account over-the- counter at the Bank office” of the chapter “Operations with Cash” of the part “Operations with Cash” of these “Fees Charged by Swedbank, AB for Its Services and Operations”.

Investors Lithuanian Republic Government Saving Notes for services and operations which are not indicated in these “Fees Charged by Swedbank, AB for Its Services and Operations”, part “Securities”, chapter “Lithuanian Republic Government Saving Notes”, pay standard fees for services and operations.

Pension

Second pillar „Swedbank" pension

Pension fund	Property management fee*	Management enterprise switching fee*
Pension 1996-2002	0,4%	0,05 %
Pension 1989-1995	0,4 %	0,05 %
Pension 1982-1988	0,4 %	0,05 %
Pension 1975-1981	0,4 %	0,05 %
Pension 1968-1974	0,4 %	0,05 %
Pension 1968-1974	0,4 %	0,05 %
Pension 1954-1960	0,4 %	0,05 %
Asset preservation pension fund	0,2 %	0,05 %

The fund switching fee within the management enterprise is free of charge in all “Swedbank” pension funds.

* Annual fee calculated each working day on the average annual value of the funds accumulated in the fund, thus reducing the unit value of the pension fund.

** Calculated from the value of accumulated funds transferred to another pension fund enterprise.

More detailed information is available in the Rules of the Pension Fund and the Investment Strategy Document.

Third pillar pension funds

Fee	Regular funds	Limited redemption funds	Fee application
Asset management fee	0,7%	0,6%	Fee applies from the average yearly value of funds.
Fee for changing pension savings company	0,5%	0,5%	Fee applies from the value of funds.
Contribution fee	0%	0%
Fee for withdrawing some funds	0%	0% You can withdraw part of the funds at the age of 55.	No tax applies. The minimum amount that can be withdrawn is EUR 100, with a minimum of EUR 300 remaining in the pension fund account after the partial withdrawal.
Agreement termination fee	0%	0% You can terminate the contract at the age of 55.	No tax applies.

Other factual operational costs of the funds are also covered with the assets of the fund:

0.055% from the fund’s average annual net asset value for the services of the depository;
the asset management company will cover other expenses of the fund (for example, audit, trade in securities), if these expenses exceed 0.75% of the fund’s average annual net asset value.

Savings, Investments

A unit-linked life insurance “Savings for Child’s Future”

Valid from 18 December 2020

Fee	Amount of the fee
Contribution fee	Not applicable
Administration fee The administration fee is discounted from the investment value of the agreement	1.25% annual fee. A 10% discount applies when the cumulative investment value is > EUR 10,000.	The fee is calculated monthly on the investment value of the agreement and is deducted from the investment value of the agreement.
Guarantee fee	0.20% – annual fee.	The fee is calculated monthly on the amount of the guarantee and is deducted from the investment value of the agreement.
Risk fee	2.50% – monthly fee, up to a maximum of EUR 2.50.	The fee is calculated each month on the amount of the monthly contribution (the risk fee applies to a maximum contribution of EUR 100/month).
Agreement termination fee	1.0%, but not more than EUR 50. The fee is waived 5 years after the date of conclusion of the agreement.	The fee is calculated on the investment value of the agreement and is deducted from the investment value of the agreement.
Fee on the payment of the share of the investment value	1.0%, but not less than EUR 20. The fee is waived 5 years after the date of conclusion of the agreement.	The fee is calculated on the investment value of the agreement and is deducted from the investment value of the agreement. After the payment of the investment value portion, the remaining investment value of the agreement must not be less than EUR 300.

During the term of the agreement, the company reserves the right to modify the standard fees for the management of the agreement in accordance with the rules.

Private Portfolio

Valid since 12 November 2020

Agreement fee	Amount and procedure for calculating the fee
Insurance contribution fee	Not applicable
Administration fee	The administration fee is equal to a percentage of the investment value of the agreement*. The annual amount of the management fee depends on the size of the investment value of the agreement and the agreement strategy.
	Strategy	Agreement investment value* < EUR 10 000	Agreement investment value* ≥ EUR 10 000 and < EUR 100 000	Agreement investment value* ≥ EUR 100 000
	Aggressive growth strategy	1.25 %	1.00 %	0.75 %
	Growth strategy	1.25 %	1.00 %	0.75 %
	Balanced strategy	1.00 %	0.75 %	0.50 %
	Fair value strategy	1.00 %	0.75 %	0.50 %
	Capital preservation strategy	0.75 %	0.50 %	0.40 %
	During the term of the cover, an administration fee is deducted from the investment value of the agreement* on each accounting day.
Termination fee	0.5% of the investment value of the agreement*. The maximum amount of the termination fee is EUR 50. The fee applies for the first 5 years of the agreement term.
Fee on the payment of the share of the investment value	0.5% of the portion of the investment value of the agreement paid out. The fee applies for the first 5 years of the agreement term. The fee on the payment of the share of the investment value is deducted from the investment value of the agreement*.
Change of Terms Fee	Not applicable

* Here, the investment value of the agreement does not include the value of contributions awaiting conversion into units.

During the term of the agreement, the life insurance company reserves the right to change the service charges of the agreement in accordance with the rules.

Other services

Leasing

Service or operation name	Fee
Fee for concluding the agreement
Fee for concluding a lease/operating lease agreement	From 1 % of the property value, minimum EUR 200 (plus VAT in the case of operating lease)
Additional fee for concluding/changing a lease/operating lease agreement when a car appraisal report¹ is not provided (in that case the property value shall be determined by Swedbank itself; a car is delivered for examination to the place and at the time specified by Swedbank (if Company does not specify that car appraisal will be done without car delivery for examination))²	EUR 90 (plus VAT in the case of operating lease)
Fee for amendment to the agreement
Fee for amendment to the agreement	EUR 150 (plus VAT in the case of operating lease)
Fee only for extension of the operating lease agreement for up to 2 months	EUR 75 plus VAT
Fee for changing the date of payment	EUR 30 (plus VAT in the case of operating lease)
Unless the agreement provides otherwise, the fee for amendment to the agreement shall not be charged in the case of the following amendments: - adjustment of the property value after import; - deferral/shortening of the term of periodic payments when the seller delays the delivery of the property/delivers the property earlier; - inclusion, change, refusal of the property insurance organisation service; - inclusion of services in the agreements of lease with services; - refusal or inclusion of the service of the organisation of compulsory insurance of civil liability of the property user; - adjustment of the property specification (without changing the price of the property).
Fee for the authorisation for the sub-rent, sublease, loan-for-use of the property (the fee shall be charged per each agreement separately)	EUR 30 plus VAT
Fee for the arrangement on the conditional pledge of the property or for a trilateral arrangement on the redemption of the property	EUR 100 plus VAT
Fee for the issue of a certificate: a certificate for audit purposes and different other certificates	EUR 25 plus VAT
Fee for the issue of a certificate granting the right to travel abroad (the fee shall not be charged when the certificate is issued to a customer (manager of the customer's company))	EUR 10 plus VAT
Fee for the issue of documentary copies
Agreement copy with annexes	EUR 10 plus VAT
Copies of other documents (a fee for copies of VAT invoices shall be charged only for the invoices issued more than 2 months before)	EUR 3 plus VAT per page
Duplicates of completion deeds shall be issued free of charge.
Private customers submitting a written request shall have the right to receive free of charge the relevant schedule of payments. The schedule of payments shall also be posted on the internet bank of Swedbank.
Fee for resumed validity of agreements upon cancellation of their termination
When agreements are resumed during the same month in which they were terminated	For one agreement - from EUR 90, for each additional agreement - from EUR 30 (plus VAT in the case of operating lease, and also in the case of lease, without making changes in the schedule)
When agreements are resumed which were terminated during the previous or earlier month	For one agreement - from EUR 90, for each additional agreement - from EUR 30 (plus VAT in the case of operating lease), also paying the amount of interest unpaid during the termination period according to all agreements being resumed (issuing one single invoice)⁴
Operating lease agreement termination fee (is charged when the agreement is terminated on the customer's initiative and consent of Swedbank, when the property is transferred to the customer for use)⁵
When, at the same time, a new lease or operating lease agreement is concluded with Swedbank	EUR 80 plus VAT
In all other cases	EUR 160 plus VAT
Property sale administration fee upon expiry or early termination of the operating lease agreement (when Swedbank agrees to sell the property)⁵:
Property sale to the customer who has leased it	From EUR 450 plus VAT
Property sale to a third party	From EUR 600 plus VAT
Additional one-time services (if not included in the agreement): handing of the insured event, performance of technical maintenance and roadworthiness testing, roadside assistance for 24 hr, delivery of a replacement car to another city, car wash, etc.	EUR 40/h plus VAT
Replacement car (if not included in the agreement)
A replacement car service shall also cover a short-term car rent service, provided that at least one operating lease agreement or parking maintenance agreement concluded with the customer is valid.

Price per day, EUR, plus VAT
Number of days	Economic	Compact	Medium	Large
1-7 days	29 EUR	35 EUR	41 EUR	53 EUR
8-14 days	24 EUR	29 EUR	35 EUR	47 EUR
15-21 days	21 EUR	24 EUR	29 EUR	41 EUR
22-29 days	18 EUR	21 EUR	27 EUR	35 EUR
Price per month, EUR, plus VAT
1-11 months	377 EUR	435 EUR	522 EUR	638 EUR
Price per month, EUR, plus VAT, when a replacement car is rented until delivery of the property ordered by the customer
1-11 months	290 EUR	348 EUR	435 EUR	551 EUR

Where monthly fees are charged, mileage shall be limited to 3 000 km/month.

Additional fees
Fuel supply fee	According to actual costs
Fuel supply administration fee	EUR 15 plus VAT

¹ A car appraisal report issued by the appraiser acceptable to Swedbank shall be required when the obligations by existing contract are transferring to the new customer or car is purchased from the seller who is not included in the List of Sellers Acceptable to Swedbank.

² This option is available: (1) in the cities of Vilnius, Kaunas and Klaipėda, when the car is delivered for inspection at a place and time specified by Swedbank; (2) in other cases, Swedbank may waive the requirement to deliver the car for inspection by specifying a different valuation procedure.

³ A separate fee for the issuance of a certificate shall apply for each period of twelve calendar months or for each commitment date specified in the application. A fee of EUR 25 plus VAT shall be charged for a certificate not relating to a time period or commitment date.

⁴ Foregone interest shall be calculated by multiplying the amount of interest on the first unbilled invoice in the schedule by the number of unbilled invoices/periods (until reinstatement of the agreement).

⁵ This fee may be included in the sale price of the leased property or paid separately.

Other services

Repeated printing of the document that proves execution of the transaction over-the-counter at the Bank office	EUR 0.29 per document
Executed transaction search request in the Bank information system	EUR 2.90 per search
Processing of documents:
sending of documents by fax:
within Lithuania	EUR 1.45 per page
to a foreign country	EUR 2.90 per page
sending of documents:
within Lithuania by regular post	EUR 0.58 per page; min EUR 1.45
within Lithuania by registered post	EUR 0.58 per page; min EUR 2.32
to a foreign country	EUR 1.45 per page; min EUR 5.79
by courier	EUR 5.79 plus the courier's fees
Certification of specimens of signatures and seals	Free of charge
Producing of copies of documents:
producing of copies of agreements	EUR 5.79 per copy
producing of copies of documents and issuance of duplicates	EUR 1.45 per copy
copying of other documents	EUR 0.29 per page; VAT* EUR 0.05 (included)
Acceptance of the customer's request to conduct search of documents in the Bank's Archives:
for natural persons	EUR 4.34; VAT* EUR 0.75 (included)
for legal persons	EUR 14.77; VAT* EUR 2.56 (included)
Issuance of references about the opened or closed accounts and balances thereof:
in the Lithuanian and English languages	EUR 5.79 per reference
in the Lithuanian and English languages (drafted within 1 business day)	EUR 11.58 per reference
References/permits/consents about the granted/repaid loans
in the Lithuanian language	EUR 20 per reference
in the English language	EUR 40 per reference
Reference issued by Swedbank, AB to auditors (an audit/consultancy company)	EUR 28.96 per reference
Reference issued by Swedbank, AB for the declaration of personal income and property	Free of charge
Reference about starting accounts	Free of charge
Reference on the balance of a loan granted to a natural person regulated by the Law of the Republic of Lithuania on Credit Relating to Real Property	Free of charge
Recommendation (in the Lithuanian and English languages)	EUR 28.96 per reference
Other references and notifications/notes/notices	EUR 14.48 per reference

* Value Added Tax

Swedbank Internet Banking agreement signing fee	Free of charge
Swedbank Internet Banking support fee	Free of charge

Agreement signing fee	Free of charge
Support fee	Free of charge
Sending of a message by the subscriber of the Notification center facility	EUR 0.13

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Services and operations fees

Fee information document

Fee information document

Maintaining of accounts

Maintaining of accounts

Information on accounts

Payment cards

Debit cards

Credit cards

Service plans

Service plans

Special fees for services and operations of the Bank for clients receiving salary

Swedbank Youth Programme Fees

Swedbank Senior Programme Fees

Agreements and services

Swedbank internet banking

Notification center

Bank by phone for natural persons

Identification tools used in electronic channels

Limited usage account for natural persons*, servicing account of deposit account ** and allowed transactions***

Non-cash payments/settlements

Incoming payment’s crediting into account

Credit transfers SEPA

Credit transfers non SEPA

E. invoice payments in EUR

Giro payments in eur

Additional services related with credit transfers

Operations with cash

Operations with cash

Loans

Fees for home loans and home equity loans

Insurance

Life insurance / Life insurance to cover loan

Securities

Pension

Second pillar „Swedbank" pension

Third pillar pension funds

Savings, Investments

A unit-linked life insurance “Savings for Child’s Future”

Private Portfolio

Other services

Leasing

Other services

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