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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Small
€50 000 monthly incoming turnover
€5 /month 2
Get startedMedium
€250 000 monthly incoming turnover
€20 /month 2
Get startedEnterprise
€500 000 monthly incoming turnover
€45 /month 2
Get startedEnterprise +
Individual custom limit
€120 /month 2
Get started
Basic
Annual incoming turnover
up to 25 000 EUR€0 / month (2)
Get startedPremium
Annual incoming turnover up to 500 000 EUR (by request)
€ 4,99 / month (2)
Get started
Verification of Client’s documents 3 | €10 | €25 | €100 | €1000 |
Priority verification of Client’s documents 3 | €2000 | €2000 | €2000 | €2000 |
Additional fee for complicated company structure documents verification 4 | Min €50, Max €2000 | Min €50, Max €2000 | Min €50, Max €2000 | Min €50, Max €2000 |
Account opening | €5 | €15 | €50 | €120 |
Additional account opening | €5 | €15 | €50 | €100 |
Temporary account opening | €150 | €350 | €550 | €850 |
Annual fee for overnight balances over 100 000 EUR (charged monthly) 5 | 0.6% | 0.6% | 0.6% | 0.6% |
Closing an account | €10 | €25 | €100 | €200 |
Closing account administration fee 6 (charged daily) | €5 | €5 | €5 | €10 |
Inactive account administration fee 7 (charged daily) | €10 | €10 | €10 | €20 |
Signed account statement in digital or paper format (for each opened account separately) | €25 | €25 | €30 | €50 |
Account statement in digital format for closed accounts 8 | €35 | €35 | €35 | €50 |
Reference letter in paper format 9 | €30 | €30 | €30 | €50 |
Non-standard reference letter (audit, etc.) 9 | Up to €150 | Up to €150 | Up to €200 | Up to €300 |
Increase of monthly debit turnover limit 10 | €15 | €75 | €900 | N/A |
Change of beneficiary / authorized person / ownership structure | €50 per each change | €120 per each change | €150 per each change | €150 per each change |
Monthly fee for unscheduled due diligence of the Client’s activity, counterparties or documents 11 | Min €5, Max €100 | Min €10, Max €100 | Min €25, Max €150 | Min €120, Max €200 |
Intra FINCI payments
| Free of charge | Free of charge | Free of charge | Free of charge |
PAYMENTS IN EUR: | ||||
Payments SEPA, SEPA Instant 12 | €0.25 | €0.30 | €0.40 | 0.2%, Min €5 |
Payments non-SEPA 13 (SHA) 14 | €35 + actual costs 15 | 0.10%, Min €35, Max €100 + actual costs 15 | 0.15%, Min €35, Max €100 + actual costs 15 | 0.20%, Min €50 + actual costs 15 |
Payments non-SEPA 13 (OUR) 16 | €45 + actual costs 15 | 0.10%, Min €45, Max €100 + actual costs 15 | 0.15%, Min €45, Max €100 + actual costs 15 | 0.20%, Min €50 + actual costs 15 |
Payments non-SEPA 13 (SHA) 14 to high-risk region 29 | 0.25%, Min €120 + actual costs 15 | 0.25%, Min €120 + actual costs 15 | 0.25%, Min €150 + actual costs 15 | 0.25%, Min €150 + actual costs 15 |
Incoming SEPA, SEPA Instant payments 12 | Free of charge | Free of charge | €0.15 | 0.20%, Min €5 |
Incoming non-SEPA payments | Actual costs 15 | Actual costs 15 | €10 + actual costs 15 | 0.20%, Min €25 + actual costs 15 |
Incoming non-SEPA 13 payments (SHA) 14 from high-risk region 29 | 0.25%, Min €120 + actual costs 15 | 0.25%, Min €120 + actual costs 15 | 0.25%, Min €150 + actual costs 15 | 0.25%, Min €150 + actual costs 15 |
PAYMENTS IN OTHER CURRENCIES: | ||||
Payments within EEA 17 (SHA) 14 | €40 | 0.10%, Min €40, Max €100 | 0.15%, Min €40, Max €150 | 0.20%, Min €50 |
Payments outside EEA 17 (SHA) 14 | €45 + actual costs 15 | 0.10%, Min €45, Max €100 + actual costs 15 | 0.15%, Min €50, Max €150 + actual costs 15 | 0.20%, Min €60 + actual costs 15 |
Payments outside EEA 17 (SHA) 14 to high-risk region 29 | 0.25%, Min €120 + actual costs 15 | 0.25%, Min €120 + actual costs 15 | 0.25%, Min €150 + actual costs 15 | 0.25%, Min €150 + actual costs 15 |
Incoming payments | €25 | 0.10%, Min €25, Max €50 | 0.15%, Min €25, Max €50 | 0.20%, Min €50 |
Incoming payments from high-risk region 29 | 0.25%, Min €120 + actual costs 15 | 0.25%, Min €120 + actual costs 15 | 0.25%, Min €150 + actual costs 15 | 0.25%, Min €150 + actual costs 15 |
Issuance of SWIFT 18 or SEPA statement in paper or digital format | €25 | €25 | €25 | €25 |
Non-SEPA incoming payment return | 0.10%, Min €25, Max €100 + actual costs 15 | 0.10%, Min €25, Max €100 + actual costs 15 | 0.10%, Min €25, Max €100 + actual costs 15 | 0.10%, Min €25, Max €100 + actual costs 15 |
Non-SEPA outgoing payment return | Actual costs 15 | Actual costs 15 | Actual costs 15 | Actual costs 15 |
Purchases with card worldwide | Free of charge | Free of charge | Free of charge | Free of charge |
Issuing the digital card 19 | Free of charge | Free of charge | Free of charge | Free of charge |
Issuing the first physical card with standard delivery
| Free of charge | €6 | €6 | €25 |
Issuing the additional physical card with standard delivery 19 | €6 | €6 | €6 | €25 |
Monthly fee for additional card usage (physical or digital) 20 | €2
| €2
| €5 | €15
|
Physical card express issue with courier delivery in Europe 21 | €60 | €60 | €60 | €60 |
Unreasonable reclamation on cards transactions | €20 | €20 | €20 | €20 |
Cash withdrawal from ATMs in Intra-Europe 22, 23
| €1.50 + 2.5% | €1.50 + 2.5% | €1.50 + 2.5% | €3.00 + 3.5% |
Cash withdrawal from ATMs outside Intra-Europe 22, 23 | €2.50 + 2.5% | €2.50 + 2.5% | €2.50 + 2.5% | €3.00 + 3.5% |
Account balance information at any ATM | €0.30 | €0.30 | €0.30 | €0.30 |
Currency exchange mark-up | 0.5% | 1.0% | 1.0% | 2.0% |
Escrow account (standard terms) | 0.5%, Min €100 | 0.5%, Min €150 | 0.5%, Min €200 | 0.7%, Min €400 |
Express escrow account 24 | 0.7%, Min €100 | 0.7%, Min €150 | 0.7%, Min €200 | 0.9%, Min €400 |
Additional fee for non-standard terms of escrow account 24
| Min €350 | Min €350 | Min €350 | Min €350 |
Verification of the documents if the party is not FINCI Client 25 | €5 | €10 | €10 | €30 |
Amendment to the escrow account agreement after signing | €250 | €250 | €250 | €350 |
Manual processing of the payment under Client’s order | €25 | €25 | €30 | €50 |
Investigation and cancellation of a payment order 26 | €70 + actual costs 15 | €80 + actual costs 15 | €90 + actual costs 15 | €120 + actual costs 15 |
Additional user profile custom setup
| €25 | €25 | €25 | €25 |
Processing the tax administration / bailiff's collection order
| €10 | €20 | €20 | €30 |
Manual execution of the tax administration / bailiff's order | €5 | €20 | €30 | €50 |
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) 27, 28 | Up to €100 + actual costs 15 | Up to €100 + actual costs 15 | Up to €150 + actual costs 15 | Up to €150 + actual costs 15 |
The first verification of Client’s documents for those Clients whose identification documents have been issued in the Country list 1 (4) | Free of charge | Free of charge |
The first verification of the Client's documents, for those Clients whose
identification documents have not been issued in the Country list 1
(3, 4) | Min. 200 EUR - max. 2000 EUR (4) | Min. 200 EUR - max. 2000 EUR (4) |
Account opening
| Free of charge | Free of charge |
Annual fee for overnight balances over 100 000 EUR (charged monthly)
(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 EUR (6) | Up to 10 EUR (6) |
Closing account administration fee
(7) | 2 EUR per day | 2 EUR per day |
Inactive account administration fee (8) | 5 EUR per day | 5 EUR per day |
Account top-up with any payment card transfer (9) | 3,5% from amount | 3% from amount |
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 account (10) | 25 EUR | 25 EUR |
Reference letter in paper format (11) | 25 EUR | 15 EUR |
Non- standard reference letter (audit, etc.) (11) | Up to 150 EUR | Up to 150 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 document (12) | Min. 5 EUR – max. 100 EUR | Min. 5 EUR - max. 100 EUR |
Intra FINCI payments
| Free of charge | Free of charge |
PAYMENTS IN EUR: | ||
Payments via SEPA,(13) SEPA Instant initiated
electronically
| 0,20 EUR | Free of charge |
Payments non-SEPA (14) (SHA
commission) (15) | 20 EUR | 15 EUR |
Payments non-SEPA (14) (OUR
commission) (16) | 35 EUR + commission fee (17) | 30 EUR + commission fee (17) |
Payments non-SEPA (14) (SHA commission)
(15) to high risk regions (17, 33) | 0,25% of amount, but not less than 120 EUR | 0,25% of amount, but not less than 120 EUR |
Incoming non-SEPA payments (13) (SHA commission)
(15) from high risk regions (17, 33) | 0,25% of amount, but not less than 120 EUR | 0,25% of amount, but not less than 120 EUR |
PAYMENTS IN OTHER CURRENCIES: | ||
Payments within EEA (18) in currencies other than EUR (SHA
commission) (15) | 40 EUR | 35 EUR |
Payments outside EEA (18) in currencies other than EUR (SHA
commission) (15) | 50 EUR | 45 EUR |
Payments outside EEA (18) in currencies other than EUR (SHA
commission) (15) to high risk regions (17,
33) | 0,25% of amount, but not less than 120 EUR | 0,25% of amount, but not less than 120 EUR |
Incoming payment in currencies other than EUR (except Intra FINCI
payments) | 25 EUR | 20 EUR |
Incoming payment in currencies other than EUR (except Intra FINCI payments)
from high risk regions (17, 33) | 0,25% of amount, but not less than 120 EUR | 0,25% of amount, but not less than 120 EUR |
Incoming payments (non-SEPA) | Free of charge plus actual fee of other banks (if any) (19) | Free of charge plus actual fee of other banks (if any) (19) |
Fee for non-SEPA incoming payment return | 0,1% from amount (not less than 25 EUR and not more than 100 EUR) plus actual
fee of other banks (if any) (20) | 0,1% from amount (not less than 25 EUR and not more than 100 EUR), plus actual
fee of other banks (if any) (20) |
Fee for non-SEPA outgoing payment return | Actual fee of other banks (if any) (20) | Actual fee of other banks (if any) (20) |
Purchases by card worldwide | Free of charge | Free of charge |
Issuing the card in digital format | Free of charge | Free of charge (22) |
Issuing the first card in physical format with standard delivery
| 6 EUR | Free of charge |
Issuing the additional card in physical format with standard delivery
| Not available | 6 EUR (22) |
Monthly fee for additional card usage (physical or digital format) | Not available | 1,5 EUR per each card (23) |
Replacing the physical format card | 6 EUR | Free of charge |
Physical format card express issue with courier delivery in Europe
(24) | 60 EUR | 50 EUR |
Unreasonable reclamation on cards transactions | 20 EUR | 15 EUR |
Cash withdrawal from ATMs in Intra-Europe (25) | 1,5 EUR + 2,5% of the withdrawn amount (26) | Free of charge up to 200 EUR per month in maximum two instalments, then regular
fees apply (26) |
Cash withdrawal from ATMs outside Intra-Europe (25) | 2,5 EUR + 2,5% of the withdrawn amount (26) | 1 EUR + 2,5% of the withdrawn amount (26) |
Account balance information at any ATM | 0,30 EUR | Free of charge |
Currency exchange mark-up | 1% | 0,5% |
Escrow account (standard terms) (27) | Min. 0,5%, but not less than 150 EUR | Min. 0,5%, but not less than 150 EUR |
The first verification of the documents if the party is not FINCI Client | 5 EUR for verification link + the first verification of Client’s documents for
Escrow account (28) | 5 EUR for verification link + the first verification of Client’s documents for
Escrow account (28) |
Fee for changing the escrow account agreement after signing | 250 EUR | 250 EUR |
Manual processing of the payment under client’s order | 10 EUR | 5 EUR |
Investigation and cancellation of a payment order (29) | 50 EUR + extra costs charge (30) | 40 EUR + extra costs charge (30) |
Fee for processing the tax administration / bailiff's collection order
| 10 EUR | 5 EUR |
Fee for manual execution of the tax administration / bailiff's order | 5 EUR | Free of charge |
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)
(31) | Up to 100 EUR + other bank commission (19, 32) | Up to 100 EUR + other bank commission (19, 32) |
Give us a call
+370 691 106 93Write an email
talk@finci.comContact head of business
business@finci.com
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Common Questions Common Questions
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Legal information
* Effective from 13.09.2023. Please be informed that some of the products are not fully available yet.
Clients will be informed when products are launched.
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 it does not have immediate transparency of ownership and/or control.
5. An annual fee of 0,6% will be applied on overnight balances over 100000 EUR. The fee will be calculated and charged monthly.
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. Individual monitoring of the Client with a feature of 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). Fee will apply on a monthly basis.
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 is the real-time gross settlement (RTGS) system owned and operated by the osystem. TARGET stands for Trans- opean 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. Actual costs- fees of the third-party financial institutions involved in payment processing.
16. 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.
17. Member-states of the EEA (within the scope of this document): 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. SWIFT - (The Society for Worldwide Interbank Financial Telecommunication) is a messaging system that runs on a network of financial institutions globally.
19. 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.
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 case-by-case basis. For express escrow account processed within 24 h on business days. Fees for urgency and non-standard terms are combinable.
25. 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.
26. 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).
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.
28. FINCI may apply the fee which amounts depends on the scope of the investigation.
29. High-risk regions shall be defined based on the internal regulations of FINCI. FINCI reserves the right to amend the list of high-risk regions. A list of high-risk regions can be provided to the Client upon written request.
Legal information
* Fees for Individuals effective from 15.08.2022. Please be informed that some of the products are not fully available yet. Clients will be informed when products are launched.
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”). The Fees shall enter into force and become valid when the Client agrees with them.
2. Account maintenance fee for 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.
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. 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, San Marino, Andorra, Switzerland, Singapore, Iceland, Canada, Great Britain, Australia, New Zeeland, Japan, South Korea, China.
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 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 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. 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 account using payment card. Minimum replenishment (top-up) amount is 10 EUR.
10. FINCI does not provide paper format account statement for closed accounts.
11. Standard template letter in paper format issued in EN, LT, RUS or LV languages. Reference letter will be sent in digital format. If customer 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 letter.
12. Individual monitoring of the Client with a feature of 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). Fee will apply on the monthly basis.
13. 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. Current List of SEPA countries is available here: www.ecb.europa.eu/paym/integration/retail/sepa/
14. 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: www.ecb.europa.eu/paym/target/target2/profuse/participation/
15. 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.
16. 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.
17. Commission fee of the correspondent bank (correspondent banks may charge additional fees during processing the payment).
18. 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.
19. Other bank commission fee might be applied (third banks may charge additional fees during processing the payment). Other banks -all banks involved during processing the payment.
20. The actual accrued fees of other banks may be added to the fees. Fee will be charged for the cancellation of the payment order, regardless of whether the funds are returned.
21. FINCI can issue a maximum of 3 cards per Cardholder per month, provided that not more than 1 active cards in one 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.
22. 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.
23. If the Client closes an additional card, FINCI may charge a monthly fee at the time of closing the card.
24. 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.
25. 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.
26. Additional fees from ATM systems might be applied.
27. For express escrow account (processed within 24 h) fee is 0,7%, but not less than 150 EUR. Additional fees for non-standard terms of escrow account agreed on case-by-case basis, but not less than 250 EUR. Fees for urgency and non-standard terms are combinable.
28. 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 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.
29. 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).
30. Extra costs - commission, determined by correspondent bank and/or beneficiary bank apart from the FINCI’s for payment order investigation.
31. 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.
32. FINCI may apply the fee and fee amount depends on the scope of the investigation.
33. High-risk regions shall be defined based on internal regulations of FINCI. FINCI reserves the right to amend the list of high-risk regions.

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