Subscription plans and fees


At FINCI, we believe in complete transparency when it comes to pricing. We understand that hidden fees and unexpected costs can be frustrating and we want to ensure that our customers know exactly what they're paying for.
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Choose your plan Choose your plan€50 000 monthly incoming turnover
€250 000 monthly incoming turnover
€500 000 monthly incoming turnover
Individual custom limit
Annual incoming turnover up to 25 000 EUR
Annual incoming turnover up to 500 000 EUR (by request)
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Standard
€250 000 monthly incoming turnover
€20 /month 2
Get startedEnterprise
€500 000 monthly incoming turnover
€45 /month 2
Get startedPremium
Individual custom limit
€120 /month 2
Get started
Basic
Annual debit turnover
up to 25 000 EUR€0 / month 2
Get startedPremium
Annual debit turnover up to 500 000 EUR or over by request
€4.99 / month 2
Get started
Verification of Client’s documents 3 | €50 | €100 | €1000 |
Priority verification of Client’s documents 3 | €2000 | €2000 | €2000 |
Additional fee for complicated company structure documents verification 4 | Min €50, Max €2000 | Min €50, Max €2000 | Min €50, Max €2000 |
Account opening | €15 | €50 | €120 |
Temporary account opening | €350 | €550 | €850 |
Fee for overnight balances over 100 000 EUR (charged twice per month) 5
| 0.6% | 0.6% | 0.6% |
Closing an account | Free of charge
| Free of charge
| Free of charge
|
Closing account administration fee 6 (charged daily) | €10 | €10 | €10 |
Inactive account administration fee 7 (charged daily) | €10 | €10 | €20 |
Remaining balance holding fee after closing an account (charged daily)
| €5 | €5 | €10 |
Account statement in digital format for closed accounts 8 | €100 | €100 | €100 |
Reference letter in paper format 9 | €30 | €30 | €50 |
Non-standard reference letter (audit, etc.) 9 | Up to €150 | Up to €200 | Up to €300 |
Increase of monthly debit turnover limit 10 | €75 | €900 | N/A |
Change of beneficiary / authorized person / ownership structure | €120 per each change | €150 per each change | €150 per each change |
Intra FINCI payments
| Free of charge | Free of charge | Free of charge | |
PAYMENTS SEPA: | ||||
Outgoing SEPA, SEPA Instant 11 payments
| €0.40 | €0.65 | 0.20%, Min €5 | |
Incoming SEPA, SEPA Instant 11 payments
| Free of charge
| €0.15
| 0.20%, Min €5
| |
PAYMENTS non-SEPA: | ||||
Outgoing non-SEPA 12 payments (SHA) 13 | 0.15%, Min €35
| 0.15%, Min €35
| 0.20%, Min €50
| |
Outgoing non-SEPA 12 payments (OUR) 15 | 0.15%, Min €50 + actual costs 14 | 0.15%, Min €50 + actual costs 14 | 0.20%, Min €50 + actual costs 14 | |
Outgoing non-SEPA 12 payments (SHA) 13 to high-risk countries 25 | 0.25%, Min €120
| 0.25%, Min €150
| 0.25%, Min €150
| |
Incoming non-SEPA payments | 0.10%, Min €20
| 0.15%, Min €25
| 0.20%, Min €35
| |
Incoming non-SEPA 12 payments (SHA) 13 from high-risk countries 25 | 0.25%, Min €120
| 0.25%, Min €150
| 0.25%, Min €150
| |
Issuance of payment confirmation copy in paper or digital format | €25
| €25
| €25
| |
Incoming non-SEPA payment return | 0.10%,
Min €25
| 0.10%,
Min €25
| 0.10%,
Min €25
| |
Outgoing non-SEPA payment return | Actual costs 14
| Actual costs 14
| Actual costs 14
|
Purchases with card worldwide | Free of charge | Free of charge | Free of charge |
Issuing the digital card 16 | Free of charge | Free of charge | Free of charge |
Issuing the physical card with standard delivery 16 | €6 | €6 | €6 |
Monthly fee for additional card usage (physical or digital) 17
| €5 | €5 | €5
|
Physical card express issue with courier delivery in Europe 18
| €60 | €60 | €60 |
Unreasonable reclamation on cards transactions | €20 | €20 | €20 |
Cash withdrawal from ATMs Intra-Europe 19, 20
| €1.50 + 2.5% | €1.50 + 2.5% | €1.50 + 2.5%
|
Cash withdrawal from ATMs outside
Intra-Europe 19, 20
| €2.50 + 2.5% | €2.50 + 2.5% | €2.50 + 2.5%
|
Account balance information at any ATM
| €0.30
| €0.30
| €0.30
|
Currency exchange mark-up | 1.0% | 1.0% | 1.0% |
Escrow account (standard terms) | 0.5%, Min €150 | 0.5%, Min €200 | 0.7%, Min €400 |
Express escrow account 21 | 0.7%, Min €150 | 0.7%, Min €200 | 0.9%, Min €400 |
Additional fee for non-standard terms of escrow account 21 | Min €350 | Min €350 | Min €350 |
Verification of the documents if the party is not FINCI Client 22 | €10 | €20 | €30 |
Amendment to the escrow account agreement after signing | €250 | €250 | €350 |
Manual processing of the payment under Client’s order | €25 | €30 | €50 |
Investigation and cancellation of a payment order 23 | €80 + actual costs 14 | €90 + actual costs 14 | €120 + actual costs 14 |
User profile custom setup
| €15 | €20 | €25 |
Transfer of funds (without Client's consent) executing a PLAIS order to write off funds 26 | €1.02 | €1.02 | €1.02 |
Fee for investigation of an incoming / outgoing payment of the Client applied by a correspondent bank, beneficiary bank, intermediary bank involved in executing the payment
24 | Actual costs
14
| Actual costs
14
| Actual costs
14
|
First verification of potential Clients' identification documents issued in Country list 1 3 | Free of charge | Free of charge |
First verification of potential Clients' identification documents not issued in Country list 1
3, 4 | Min €200, Max €2000 | Min €200, Max €2000 |
Account opening
| Free of charge | Free of charge |
Fee for overnight
balances over 100 000 EUR
(charged twice per month)
5 | 0.6% | 0.6% |
Closing an account | Free of charge | Free of charge |
One-time fee on positive balance in case of account closure 6 | Up to €10 | Up to €10 |
Closing account administration fee
7 | €2 per day | €2 per day |
Inactive account administration fee 8 | €5 per day | €5 per day |
Remaining balance holding fee after closing an account | €2 per day
| €2 per day
|
Account top-up with any payment card transfer 9 | 3.0% | 3.0% |
Signed account statement in digital or paper format (for each opened account separately)
| €25 for 10 pages, each next page €0.05 | €15 for 10 pages, each next page €0.05 |
Account statement in digital format for closed account
10 | €25 | €25 |
Issuance of payment confirmation copy in digital or paper format
| €25 | €25 |
Reference letter in paper format
11 | €25 | €15 |
Non-standard reference letter (audit, etc.) 11 | Up to €150 | Up to €150 |
Increase of annual debit turnover limit | Not available | Free of charge |
Intra FINCI payments
| Free of charge | Free of charge |
PAYMENTS SEPA: | ||
Outgoing SEPA, SEPA Instant 12 payments
| €0.35 | Free of charge |
Incoming SEPA, SEPA Instant 12 payments | Free of charge
| Free of charge
|
PAYMENTS non-SEPA: | ||
Outgoing non-SEPA
13 payments (SHA) 14 | €35 | 0.10% + €30
|
Outgoing non-SEPA 13 payments (OUR) 15 | 0.20% + €35 + actual costs 16 | 0.10% + €35 + actual costs 16 |
Outgoing non-SEPA 13 payments (SHA) 14 to high-risk countries 17 | 0.25%, Min €120 | 0.25%, Min €120 |
Incoming non-SEPA 13 payments
| 0.10% + €25 + actual costs 16 | 0.10% + €15 + actual costs 16 |
Incoming non-SEPA 13 payments (SHA) 14 from high-risk countries 17 | 0.25%, Min €120 + actual costs 16 | 0.25%, Min €120 + actual costs 16 |
Incoming non-SEPA payments return
| 0.10%, Min €25, Max €100 + actual costs 16 | 0.10%, Min €25, Max €100 + actual costs 16 |
Outgoing non-SEPA payments return
| Actual costs 16 | Actual costs 16 |
Purchases with card worldwide | Free of charge | Free of charge |
Issuing the card in digital format
| Free of charge 18 | Free of charge 19 |
Issuing the first physical card with standard delivery
| €6 18 | Free of charge 19 |
Issuing the additional physical card with standard delivery
| Not available | €6 19 |
Monthly fee for additional card usage (physical or digital) | Not available | €1.50 per each card 20 |
Physical card express issue with courier delivery in Europe 21 | €60 | €50 |
Unreasonable reclamation on cards transactions | €20 | €15 |
Cash withdrawal from ATMs
Intra-Europe
22, 23 | 2.5% + €1.50
| Up to €200 and up to 2 times per month is fee free, then 2.5% + €1.00
|
Cash withdrawal from ATMs outside Intra-Europe 22, 23 | 2.5% + €2.50
| 2.5% + €1.00
|
Account balance information at any ATM | €0.30 | Free of charge |
Currency exchange mark-up | 1.0% | 0.5% |
Escrow account (standard terms) | 0.5%, Min €150 | 0.5%, Min €150 |
Express escrow account 24 | 0.7%, Min €150 | 0.7%, Min €150 |
Additional fee for non-standard terms of escrow account 24 | Min €250 | Min €250 |
Verification of the documents if the party is not FINCI Client 4 | €5 | €5 |
Amendment to the escrow account agreement after signing | €250 | €250 |
Manual processing of the payment under Client’s order | €10 | €5 |
Investigation and cancellation of a payment order 25 | €50 + actual costs 16 | €40 + actual costs 16 |
Transfer of funds (without client's consent) executing a PLAIS order to write off funds 26 | €1.02 | €1.02 |
Fee for investigation of an incoming / outgoing payment of the Client applied by a correspondent bank, beneficiary bank, intermediary bank involved in executing the payment
27 | Actual costs 16 | Actual costs 16 |
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Common Questions Common Questions
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Do business customers get priority support?
Legal information
* Effective from 01.01.2025.
1. According to FINCI General Terms and Conditions of Provision of Services - a legal person that is registered or intends to register in the System and intends to have or has a User profile (hereinafter “Client”).
2. Account maintenance fee for Subscription plan.
3. The Fee is paid upon submission of the application for the Client account opening. If FINCI refuses to open Client account, the paid Fee is not returned to the Client.
4. The structure is deemed complex if:
4.1. the shareholders are of different legal entity / legal arrangement types;
4.2. there are trusts (or similar legal arrangements) and/or private investment vehicles within the ownership and control structure;
4.3. multi-level ownership structure;
4.4. an ownership structure where at least one of the shareholders of the Customer is a legal person established outside of EU;
4.5. a legal arrangement or a body without legal personality;
4.6. there are formal/informal nominee shareholders and directors where the identity of the nominator is undisclosed within the ownership
and control structure;
4.7. the company or its controlled shareholder(s) incorporated in the jurisdiction where it is difficult to verify the structure using official
sources (offshores).
5. A fee of 0.6%/360 days will be applied on overnight balances over 100000 EUR. The fee will be calculated daily and charged twice per month.
6. FINCI applies Closing account administration fee if the Client fails to fulfil the request of FINCI to transfer the funds from Clients’ Account and/or close the Account within the deadline specified by FINCI.
7. An inactive account is one where no transactions have been made under Client’s instructions for 180 (one hundred eighty) consecutive calendar days. An inactive administration fee applies after 60 (sixty) calendar days from FINCI’s notice for an inactive account status.
8. FINCI does not provide paper format account statements for closed accounts.
9. Standard template letter in paper format issued in EN, LT, RUS or LV languages. Reference letters will be sent in digital format. If Client requires paper format to be send by regular mail, postal costs will be added. Individual pricing based on the type of request will be applied for non-standard reference letters.
10. Fee for evaluation of limit change that applies per each request. Fee is non-refundable in case of refusal on limit increase. Fees are combinable if Client wants to increase the limit and move over several levels of subscription plans.
11. SEPA countries - Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Denmark, Estonia, Finland, France, Germany, Gibraltar, UK, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxemburg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Rumania, San Marino, Spain, Slovakia, Slovenia, Sweden, Switzerland, the Czech Republic, the Vatican City State. Current List of SEPA countries is available here: www.ecb.europa.eu/paym/integration/retail/sepa
12. Payments outside SEPA are processed under TARGET2 is the real-time gross settlement (RTGS) Eurosystem owned and operated by the system. TARGET stands for Trans- European Automated Real-time Gross settlement Express Transfer system. The current list of TARGET2 is available here: www.ecb.europa.eu/paym/target/target2/profuse/participation
13. SHA - the commission fee of FINCI is covered by the Client, while all commission fees of correspondent banks and the recipient bank related to the payment are covered by the recipient. FINCI sends the payment to the correspondent bank or recipient bank with the instruction SHA in the Details of Charges SWIFT notification field. Correspondent banks or the recipient bank have the right to withhold the commission fees from the transferred amount before or after depositing the funds in the recipient’s account.
14. Actual costs- fees of the third-party financial institutions involved in payment processing.
15. OUR – the commission of FINCI, as well as all commissions of the correspondent bank and recipient bank related to performance of the transfer are covered by the Client. FINCI sends the payment to the correspondent bank or beneficiary bank with indication OUR in the respective SWIFT message area Details of Charges, instructing the beneficiary bank to pay the transfer amount to the recipient. This provision limits the liability of FINCI. FINCI is not liable if the correspondent bank or recipient bank has failed to adhere to the instructions given by FINCI or if the credit transfer has not been received in full due to other reasons not controlled by FINCI.
16. FINCI can issue a maximum of 5 cards per Cardholder per month, provided that not more than 3 active cards at one time. If the Client requested for the Cardholder to issue or the Cardholder has been issued with more than 5 cards, FINCI may not individually authorize the issuance of a new additional card or close the issued additional digital cards if circumstances are found to be inconsistent with the FINCI General Terms and Conditions of Provision of Services.
17. If the Client closes an additional card, FINCI may charge a monthly fee at the time of closing the card.
18. If Client orders the card on business day till 13:00, it will be transferred to DHL on the same day after 16:00. If the card is ordered after 13:00, it will be transferred to DHL on the next business day.
19. Intra- Europe: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Hungary, Germany, Great Britain, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
20. Additional fees from ATM systems may apply.
21. The final fee is agreed on case-by-case basis. For express escrow account processed within 24 h on business days. Fees for urgency and non-standard terms are combinable.
22. FINCI may charge a fee of min 200 and max 2000 for the first verification of nationals using a personal identification document issued in countries other than the ones included in the Country List 2 and do not hold a valid residence permit issued in the Republic of Lithuania. The Client is notified of the application of a fee before documents’ verification processing. Country List 2 include: Ireland, Austria, Belgium, Bulgaria, Czech Republic, Denmark, Estonia, Greece, Spain, Italy, Cyprus, Croatia, Latvia, Poland, Liechtenstein, Luxembourg, Malta, the Netherlands, Norway, Portugal, France, Romania, Slovak Republic, Slovenia, Finland, Sweden, Hungary, Germany, Lithuania.
23. FINCI may process investigation and cancellation of a payment order approximately within 10 working days (payments between FINCI accounts, SEPA and SEPA instant) or approximately within 30 calendar days (SWIFT payments).
24. FINCI may apply the fee to investigate transaction in Client’s account according to the request by third party(ies) to finalize the transaction. In case if Client does not submit information and documents in due time, indicated by FINCI in the request and/or in case when submitted documents and information does not correspond to the requirements set by FINCI in the request to the Client, FINCI or other bank can block transaction, return the transaction, and deduct commission.
25. High-risk countries shall be defined based on the internal regulations of FINCI. FINCI reserves the right to amend the list of high-risk countries. A list of high-risk countries can be provided to the Client upon written request.
26. Information System of Cash-Flow Restrictions (abbr. PLAIS in Lithuanian) support fee, which shall be paid to the State Enterprise Centre of Registers, the amount and administration procedure of which are set by the Ministry of Justice of the Republic of Lithuania.
Legal information
* Fees for Individuals effective from 01.01.2025.
1. According to FINCI General Terms and Conditions of Provision of Services - a capable natural person who has reached the age of
18 that is registered or intends to register in the System and who expresses the desire to receive, receives and/or could receive the Services for purposes not related to its business or professional activity (hereinafter “Client”).
2. Account maintenance fee for Subscription plan.
3. Country List 1 include: Ireland, Austria, Belgium, Bulgaria, Czech Republic, Denmark, Estonia, Greece, Spain, Italy, Cyprus, Croatia, Latvia, Poland, Liechtenstein, Luxembourg, Malta, the Netherlands, Norway, Portugal, France, Romania, Slovak Republic, Slovenia, Finland, Sweden, Hungary, Germany, Lithuania, San Marino, Andorra, Switzerland, Singapore, Iceland, Canada, Great Britain, Australia, New Zealand, Japan, South Korea, China.
4. FINCI may charge a fee of min 200 EUR or max 2000 EUR for the first verification of nationals using a personal identification document issued in countries other than the ones included in the Country List 1 and do not hold a valid residence permit issued in the Republic of Lithuania. The Client is notified of the application of a fee before documents’ verification processing. The Fee is paid upon submission of the application for the Client account opening. If FINCI refuses to open Client account, the paid Fee is not returned.
5. A fee of 0.6%/360 days will be applied on overnight balances over 100000 EUR. The fee will be calculated daily and charged twice per month.
6. FINCI has right to write off one-time fee up to 10 EUR after Client’s notice on account closing if Client’s account balance is up to 10 EUR and the Client hasn't ensured 0 balance on his account by transferring all his funds from the Client’s FINCI account to any other account specified by the Client before sending a notice on account closing to FINCI.
7. FINCI applies a Closing account administration fee if the Client fails to fulfil the request of FINCI to transfer the funds from Client’s’ Account and/or close the Account within the deadline specified by FINCI.
8. Inactive account is an account where no transactions have been made under the Client’s instructions for the period of consecutive 180 (one hundred eighty) calendar days. An inactive administration fee applies after 60 (sixty) calendar days from FINCI’s notice for an inactive account status.
9. Method of depositing or transferring funds to the Client’s account using payment card. Minimum replenishment (top-up) amount is 10 EUR.
10. FINCI does not provide paper format account statements for closed accounts.
11. Standard template letter in paper format issued in EN, LT, RUS or LV languages. Reference letters will be sent in digital format. If Client requires paper format to be send by regular mail, postal costs will be added. Individual pricing based on the type of request will be applied for non-standard reference letters.
12. SEPA countries - Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Denmark, Estonia, Finland, France, Germany, Gibraltar, UK, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxemburg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Rumania, San Marino, Spain, Slovakia, Slovenia, Sweden, Switzerland, the Czech Republic, the Vatican City State. Current List of SEPA countries is available here: www.ecb.europa.eu/paym/integration/retail/sepa/
13. Payments outside SEPA are processed under TARGET2, which is the real-time gross settlement (RTGS) system owned and operated by the Eurosystem. TARGET stands for Trans-European Automated Real-time Gross settlement Express Transfer system. The current list of TARGET2 is available here: www.ecb.europa.eu/paym/target/target2/profuse/participation/
14. SHA - the commission fee of FINCI is covered by the Client, while all commission fees of correspondent banks and the recipient bank related to the payment are covered by the recipient. FINCI sends the payment to the correspondent bank or recipient bank with the instruction SHA in the Details of Charges SWIFT notification field. Correspondent banks or the recipient bank have the right to withhold the commission fees from the transferred amount before or after depositing the funds in the recipient’s account.
15. OUR – the commission of FINCI, as well as all commissions of the correspondent bank and recipient bank related to performance of the transfer are covered by the Client. FINCI sends the payment to the correspondent bank or beneficiary bank with indication OUR in the respective SWIFT message area Details of Charges, instructing the beneficiary bank to pay the transfer amount to the recipient. This provision limits the liability of FINCI. FINCI is not liable if the correspondent bank or recipient bank has failed to adhere to the instructions given by FINCI or if the credit transfer has not been received in full due to other reasons not controlled by FINCI.
16. Actual costs- fees of the third-party financial institutions involved in payment processing.
17. High-risk countries shall be defined based on internal regulations of FINCI. FINCI reserves the right to amend the list of high-risk countries. A list of high-risk countries can be provided to the Client upon written request.
18. FINCI can issue a maximum of 3 cards per Cardholder per month, but not more than 1 active card at the same time. If the Cardholder has requested or has been issued with more than 3 cards FINCI may not individually authorize the issuance of a new additional card or close the issued additional cards if circumstances are found to be inconsistent with the FINCI General Terms and Conditions of Provision of Services.
19. FINCI can issue a maximum of 10 cards per Cardholder per month, provided that not more than 6 active cards in one time. If the Cardholder has requested or has been issued with more than 10 cards FINCI may not individually authorize the issuance of a new additional card or close the issued additional cards if circumstances are found to be inconsistent with the FINCI General Terms and Conditions of Provision of Services.
20. If the Client closes an additional card, FINCI may charge a monthly fee at the time of closing the card.
21. If Client orders the card on business day till 13:00, it will be transferred to DHL on the same day after 16:00. If the card is ordered after 13:00, it will be transferred to DHL on the next business day.
22. Intra- Europe: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Hungary, Germany, Great Britain, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
23. Additional fees from ATM systems may apply.
24. The final fee is agreed on a case-by-case basis. For express escrow account processed within 8 working hours. Fees for urgency and non-standard terms are combinable.
25. FINCI may process investigation and cancellation of a payment order approximately within 10 working days (payments between FINCI accounts, SEPA and SEPA instant) or approximately within 30 calendar days (SWIFT payments).
26. Information System of Cash-Flow Restrictions (abbr. PLAIS in Lithuanian) support fee, which shall be paid to the State Enterprise Centre of Registers, the amount and administration procedure of which are set by the Ministry of Justice of the Republic of Lithuania.
27. FINCI may apply the fee to investigate transaction in Client’s account according to the request by third party(ies) to finalize the transaction. In case if Client does not submit information and documents in due time, indicated by FINCI in the request and/or in case when submitted documents and information does not correspond to the requirements set by FINCI in the request to the Client, FINCI or other bank can block transaction, return the transaction, and deduct commission.

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