Basic
Premium
 Best choice

Basic

FREE

Premium

4,99 EUR / monthly

Subscription plan monthly fee1

FREE

4,99 EUR

Conditions for natural persons2

Annual incoming turnover up to 25 000 EUR

Annual incoming turnover up to 25 000 EUR and over by request

The first verification of Client documents3

Free of charge4

Free of charge4

Account opening

Free of charge

Free of charge

Additional Account opening

Not available

Not available

Annual fee for overnight balances over 100 000 EUR (monthly charge)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

up to 10 EUR6

up to 10 EUR6

Closing account administration fee7

2 EUR per day 

2 EUR per day 

Inactive account administration fee8  

5 EUR per day

5 EUR per day

Replenishment (top-up) the account with any Payment Card transfer9

3,5% from amount

3 % from amount

Escrow account (standard terms)10

0,5%, but not less than 150 EUR

0,5%, but not less than 100 EUR

Account statement in paper format for each opened account separately

25 EUR for 10 pages, each next page plus 0,05 EUR

15 EUR for 10 pages, each next page plus 0,05 EUR

Account statement in digital format for closed account11 

25 EUR

25 EUR

Reference letter in paper format12 

25 EUR

15 EUR

Increase of annual account turnover limit

Not available

Free of charge

Monthly fee for additional due diligence, compliance check of the Client’s activity, transaction, payment partner or document13

Min. 5 EUR – max. 100 EUR

Min. 5 EUR – max. 100 EUR

Payments between FINCI accounts

Free of charge

Free of charge

Payments in EUR via SEPA14, SEPA instant initiated electronically

0.20 EUR

Free of charge

Payments outside SEPA15 in EUR (SHA commission)16 

20 EUR

15 EUR

Payments outside SEPA in EUR (OUR commission)17

35 EUR + commission fee18

30 EUR + commission fee18

Payments within EEA19 in other than EUR currencies (SHA commission)16

40 EUR

35 EUR

Payments outside EEA in other than EUR currencies (SHA commission)16

50 EUR + commission fee20

45 EUR + commission fee20

Incoming payment in other than EUR currencies (except between FINCI accounts) 

25 EUR

20 EUR

Customer support for processing payment order

10 EUR

5 EUR

Investigation and cancellation of a payment order21

50 EUR + extra costs charge22

40 EUR + extra costs charge22

Fee for unscheduled due diligence of an incoming or outgoing payment for the Client (including due diligence requested by a correspondent bank, beneficiary bank, intermediary bank involved in executing the payment)23

up to 25 EUR24

up to 25 EUR24

Purchases by cards worldwide

Free of charge

Free of charge

Issuing the card in digital format

Free of charge

Free of charge

Issuing the first card in physical format with standard delivery

6 EUR

Free of charge

Virtual Card issue for one year25

2 EUR

Free of charge

Issuing the additional card in physical format with standard delivery

Not available 

6 EUR

Monthly fee for additional card usage (physical or digital format)26

Not available

1,5 EUR per each card 

Replacing the physical format card

6 EUR

Free of charge

Physical format card express issue with courier delivery in Europe27

35 EUR

30 EUR

Unreasonable reclamation on cards transactions

20 EUR

15 EUR

Cash withdrawal from ATMs in Intra-Europe28

1,5 EUR + 2,5% of the withdrawn amount29

Free of charge up to 200 EUR per month in maximum two installments, then regular fees apply29, 30 

Cash withdrawal from ATMs outside Intra- Europe

2,5 EUR + 2,5% of the withdrawn amount29

1 EUR + 2,5% of the withdrawn amount29

Account balance information at any ATM

0.30 EUR

Free of charge

Currency exchange mark-up

1%

0.50%

 
Small
Medium
Enterprise
Enterprise+

Small

5 EUR / monthly

Medium

10 EUR / monthly

Enterprise

25 EUR / monthly

Enterprise+

120 EUR / monthly

Subscription plan monthly fee1

5 EUR

10 EUR

25 EUR

120 EUR

Conditions for legal persons2

50 000 EUR monthly incoming turnover

250 000 EUR monthly incoming turnover

500 000 EUR monthly incoming turnover

Individual custom limit

The first verification of Client’s documents3

10 EUR

25 EUR

100 EUR

1000 EUR

Account opening

5 EUR

15 EUR

50 EUR

120 EUR

Additional Account opening

5 EUR

15 EUR

50 EUR

100 EUR

Annual fee for overnight balances over 100 000 EUR (monthly charge)4

0,60%

0,60%

0,60%

0,60%

Closing an account

10 EUR

25 EUR

100 EUR

200 EUR

Closing account administration fee5

5 EUR per day

5 EUR per day

5 EUR per day

10 EUR per day

Inactive account administration fee6  

10 EUR per day

10 EUR per day

10 EUR per day

20 EUR per day

Escrow account (standard terms)7 

0,5% (min. 100 EUR)

0,5% (min. 120 EUR)

0,5% (min. 150 EUR)

0,7% (min 400 EUR) 

Account statement in paper format for each opened account separately 

25 EUR

25 EUR

30 EUR

50 EUR

Account statement in digital format for closed account8

35 EUR

35 EUR

35 EUR

50 EUR

Reference letter in paper format9

30 EUR

30 EUR

30 EUR

50 EUR

Increase of monthly account turnover limit10

15 EUR

75 EUR

900 EUR

N/A

Monthly fee for additional due diligence, compliance check of the Client’s activity, transaction, payment partner or document11

Min.5 EUR - max. 100 EUR

Min.10 EUR - max. 100 EUR

Min. 25 EUR - max. 100 EUR

Min. 120 EUR - max. 200 EUR

Payments between FINCI accounts

Free of charge

Free of charge

Free of charge

Free of charge

Payments in EUR via SEPA12, SEPA instant initiated electronically

0.25 EUR

0.30EUR

0.35 EUR

5 EUR

Payments outside SEPA13 in EUR (SHA commission)14 

35 EUR

0,1% of amount, but not less than 35EUR and not more than 100EUR

0,15% of amount, but not less than 35EUR and not more 100 EUR

0,2% of amount, but not less than 50EUR and not more than 150 EUR

Payments outside SEPA in EUR (OUR commission type)15

45 EUR + commission16

0,1% of amount, but no less than 40EUR and not more than 100EUR + commission fee16 

0,15% of amount, but no less than 40EUR and not more than 150EUR + commission fee16

0,2% of amount, but not less than 50EUR and not more than 250EUR + commission fee16

Incoming SEPA, SEPA Instant payment

Free of charge

Free of charge

0.15 EUR

5 EUR

Incoming payments in EUR (non-SEPA)

Free of charge

Free of charge

10 EUR

0,1% of amount , but not less than 25 EUR

Payments within EEA17 in other than EUR currencies (SHA commission)

40 EUR

0,1% of amount, but not less than 40 EUR and not more than 100 EUR

0,15% of amount, but not less than 40 EUR and not more than 150 EUR

0,2% of amount, but not less than 50 EUR and not more than 250 EUR

Payments outside EEA in other than EUR currencies (SHA commission)

45 EUR + commission fee18

0,1% of amount but not less than 45 EUR and not more than 100 EUR + commission fee18 

0,15% of amount, but not less than 50 EUR and not more than 150 EUR + commission fee18

0,2% of amount, but not less than 60 EUR and not more than 250 EUR + commission fee18

Incoming payment in other currencies (except between FINCI accounts) 

25 EUR

0,1% of amount but not less than 25 EUR and not more than 50 EUR 

0,15% of amount but not less than 25 EUR and not more than 50 EUR

0,2% of amount but not less than 50 EUR and not more than 200 EUR

Issuance of SWIFT19 or SEPA statement in paper format on outgoing or incoming payment transactions

25 EUR

25 EUR

25 EUR

25 EUR

Customer support for processing payment order

25 EUR

25 EUR

30 EUR

50 EUR

Investigation and cancellation of a payment order20 

70 EUR + extra costs21 

80 EUR + extra costs21 

90 EUR + extra costs21 

120 EUR + extra costs21 

Fee for unscheduled due diligence of an incoming / outgoing payment for the Client (including due diligence requested by a correspondent bank, beneficiary bank, intermediary bank involved in executing the payment)22

25 EUR

25 EUR

25 EUR

50 EUR

Purchases by cards worldwide

Free of charge

Free of charge

Free of charge

Free of charge

Issuing the card in digital format

Free of charge

Free of charge

Free of charge

Free of charge

Issuing the first card in physical format with standard delivery 

Free of charge 

6 EUR

6 EUR

25 EUR

Issuing the additional card in physical format with standard delivery 

6 EUR

6 EUR

6 EUR

25 EUR

Monthly fee for additional card usage (physical or digital format) 

2 EUR

2 EUR

5 EUR

15 EUR

Replacing the physical format card 

6 EUR

6 EUR

6 EUR

25 EUR

Physical format card express issue with courier delivery in Europe23 

35 EUR

35 EUR

35 EUR

50 EUR

Unreasonable reclamation on cards transactions 

20 EUR

20 EUR

20 EUR

20 EUR

Cash withdrawal from ATMs in Intra - Europe24

1,5 EUR + 2,5% of the withdrawn amount25

1,5 EUR + 2,5% of the withdrawn amount25

1,5 EUR + 2,5% of the withdrawn amount25

3 EUR + 3.5% of the withdrawn amount25

Cash withdrawal from ATMs outside Intra - Europe 

2,5 EUR + 2,5% of the withdrawn amount25

2,5 EUR + 2,5% of the withdrawn amount25

2,5 EUR + 2,5% of the withdrawn amount25

3 EUR + 3.5% of the withdrawn amount25

Account balance information at any ATM

0.30 EUR

0.30 EUR

0.30 EUR

0.30 EUR

Currency exchange mark-up

0.5% 

1% 

1% 

2% 

Fees for Individuals effective from 21.06.2021. Please be informed that some of the products are not fully available yet. Clients will be informed when products are launched.

¹ Account maintenance fee for the Subscription plan. If the Client changes the subscription plan till the 15th date of the specific month, then FINCI applies a full commission fee, but if after the 15th date, then half of the commission fee is applied.

² According to FINCI‘s T&C - 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”). The Fees shall enter into force and become valid when the Client agrees with them.

³ The Fee is paid upon submission of the application for the Client account opening. If FINCI refuses to open the Client account, the paid Fee is not returned to the Client.

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. 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.

⁵ Annual fee of 0.6% will be applied on overnight balances over 100 000 EUR. The fee will be calculated and charged on a monthly basis.

⁶ FINCI has right to write off one-time fee up to 10 EUR after FINCI‘s or 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 and immediately after receiving FINCI’s notice on account closing.

⁷ FINCI applies the Closing account administration fee if the Client fails to fulfill the request of FINCI to transfer the funds from the Clients’ 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 customer’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 inactive account status.

⁹ Method of depositing or transferring funds to the Client's account using a payment card. The minimum replenishment (top-up) amount is 10 EUR.

¹⁰ For express escrow account (processed within 24 h) fee is 0,7%, but not less than 150 EUR. Additional fee for non-standard terms of escrow account agreed on a case by case basis, but not less than 250 EUR. Fees for urgency and non-standard terms are combinable.

¹¹ FINCI does not provide paper format account statements for closed accounts.

¹² Standard template letter in paper format issued in EN, LT, RUS, LV, or EE languages. The reference letter will be sent in digital format. If the Client requires the paper format to be sent by regular mail, postal costs will be added. Individual pricing based on the type of request will be applied for a non-standard reference letter.

¹³ Individual monitoring of the Client with a feature of the politically exposed person, high-risk persons including, but not limited to monitoring of the operations on the accounts of the Client in accordance with the Law on the Prevention of Money Laundering and Terrorism Financing or monitoring non-compliance with the annual incoming turnover (fee is determined on a monthly basis by FINCI depending on the individual Client’s risk level and the Client is notified of the application of a fee with a personal notification). The fee will apply on the monthly basis.

¹⁴ SEPA countries - Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Denmark, Estonia, Finland, France, Germany, Gibraltar, Great Britain, 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. The current list of SEPA countries is available here: https://www.ecb.europa.eu/paym/integration/retail/sepa/html/index.en.html

¹⁵ Payments outside SEPA are processed under TARGET2 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: https://www.ecb.europa.eu/paym/target/target2/profuse/participation/html/index.en.html

¹⁶ 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.

¹⁷ OUR – the commission of FINCI, as well as all commissions of the correspondent bank and recipient bank related to the 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.

¹⁸ Third bank commission fee might be applied (third banks may charge additional fees during processing the payment).

¹⁹ Member-states of the EEA: Iceland, Liechtenstein, Norway, and 27 EU member states: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Hungary, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

²⁰ Third bank commission fee might be applied (third banks may charge additional fees during processing the payment).

²¹ 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).

²² Extra costs - commission, determined by the correspondent bank and/or beneficiary bank apart from FINCI’s for payment order investigation.

²³ FINCI may apply the fee to investigate transaction in Clients account according to third party request to finalize the transaction. In case Client does not submit information and documents in due time, indicated by FINCI in the request and/or in the case when submitted documents and information do not correspond to the requirements set out by FINCI in the request to the Client FINCI or a third bank can block the transaction, return the transaction and deduct a commission.

²⁴ FINCI may apply the fee and fee amount depends on the scope of the investigation.

²⁵ Cards with an extra-secure solution for making online payments at merchants whom the Client does not know or trust. Valid one year from the date of issue.

²⁶ FINCI can issue a maximum of 5 additional cards per Client.

²⁷ If the 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.

²⁸ 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.

²⁹ Additional fees from ATM systems might be applied.

³⁰ First 200 EUR in max 2 installments per month are free of charge. If the withdrawn amount exceeds 200 EUR or more than 2 installments per month, the commission is 1,5 EUR + 2% from the withdrawn amount. Limits are applicable for all digital and physical cards in total.

Fees for Business effective from 21.06.2021. Please be informed that some of the products are not fully available yet. Clients will be informed when products are launched.

¹ Account maintenance fee for the Subscription plan. If the Client changes the subscription plan till the 15th date of the specific month, then FINCI applies a full commission fee, but if after the 15th date , then half of the commission fee is applied.

² According to FINCI‘s T&C - a legal person that is registered or intends to register in the System and intends to have or has a User profile (hereinafter “Client”).

³ The Fee is paid upon submission of the application for the Client account opening. If FINCI refuses to open a Client account, the paid Fee is not returned to the Client.

⁴ Annual fee of 0.6% will be applied on overnight balances over 100 000 EUR. The fee will be calculated and charged on a monthly basis.

⁵ FINCI applies Closing account administration fee if the Client fails to fulfill the request of FINCI to transfer the funds from Clients’ Account and/or close the Account within the deadline specified by FINCI.

⁶ 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. Inactive administration fee applies after 60 (sixty) calendar days from FINCI’s notice for inactive account status.

⁷ For express escrow account (processed within 24 h) additional fee of 0,2% + 100 EUR is applicable depending on subscription plan. Additional fee for non-standard terms of escrow account agreed on a case by case basis, but not less than 350 EUR. Fees for urgency and non-standard terms are combinable.

⁸ FINCI does not provide paper format account statements for closed accounts.

⁹ Standard template letter in paper format issued in EN, LT, RUS, LV, or EE languages. The reference letter will be sent in digital format. If the Client requires the paper format to be sent by regular mail, postal costs will be added. Individual pricing based on the type of request will be applied for a non-standard reference letter.

¹⁰ Fee for evaluation of possible limit change that applies per each request. The fee is non-refundable in case of refusal on the limit increase. Fees are combinable if the Client wants to increase the limit and move over several levels of subscription plans.

¹¹ Individual monitoring of the Client with a feature of the politically exposed person, high-risk persons including, but not limited to monitoring of the operations on the accounts of the Client in accordance with the Law on the Prevention of Money Laundering and Terrorism Financing or monitoring non-compliance with the annual incoming turnover (fee is determined on a monthly basis by FINCI depending on the individual Client’s risk level and the Client is notified of the application of a fee with a personal notification). The fee will apply on the monthly basis.

¹² SEPA countries - Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Denmark, Estonia, Finland, France, Germany, Gibraltar, Great Britain, 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. The current list of SEPA countries is available here: https://www.ecb.europa.eu/paym/integration/retail/sepa/html/index.en.html

¹³ Payments outside SEPA are processed under TARGET2 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: https://www.ecb.europa.eu/paym/target/target2/profuse/participation/html/index.en.html

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 the 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 Commission fee of the correspondent bank (correspondent banks may charge additional fees during processing the payment).

¹⁷ Member-states of the EEA: Iceland, Liechtenstein, Norway, and 27 EU member states: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Hungary, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

¹⁸ Third bank commission fees might be applied (third banks may charge additional fees during processing the payment).

¹⁹ SWIFT - (The Society for Worldwide Interbank Financial Telecommunication) is a messaging system that runs on a network of financial institutions globally.

²⁰ 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).

²¹ Extra costs - commission, determined by the correspondent bank and/or beneficiary bank apart from the FINCI’s for payment order investigation.

²² FINCI may apply the fee to investigate transaction in Clients account according to third part request 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 the case when submitted documents and information does not correspond to the requirements set out by FINCI in the request to the Client FINCI or third bank can block the transaction, return the transaction and deduct a commission.

²³ If the 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.

²⁴ 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.

²⁵ Additional fees from ATM systems might be applied.

Cookies

FINCI uses cookies to provide you personalized information about our products and services and to improve the performance of the website. There are two different categories of cookies we use: necessary and analytical. You can accept all cookies or certain categories. When you accept a category, you accept all cookies in that category (please see detailed “List of cookies”). You can always change your preferences and decline cookies in accordance with our “Cookies Policy”.