Best choice
FREE
4,99 EUR / monthly
Conditions
Annual incoming turnover up to 25 000 EUR
Annual incoming turnover up to 500 000 EUR by request
Subscription plan monthly fee2
FREE
4,99 EUR
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 fee7
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 cards worldwide
Free of charge
Free of charge
Issuing the card in digital format
Free of charge 21
Free of charge 22
Issuing the first card in physical format with standard delivery
6 EUR 21
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%
0,50%
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
5 EUR / monthly
20 EUR / monthly
45 EUR / monthly
120 EUR / monthly
Subscription plan monthly fee 2
5 EUR
20 EUR
45 EUR
120 EUR
Conditions
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 documents 3
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
0,6%
0,6%
0,6%
0,6%
Closing an account
10 EUR
25 EUR
100 EUR
200 EUR
Closing account administration fee 5
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
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 account 7
35 EUR
35 EUR
35 EUR
50 EUR
Reference letter in paper format 8
30 EUR
30 EUR
30 EUR
50 EUR
Non-standard reference letter (audit, etc.) 8
Up to 150 EUR
Up to 150 EUR
Up to 200 EUR
Up to 300 EUR
Increase of monthly account turnover limit 9
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 document 10
Min.5 EUR - max. 100 EUR
Min.10 EUR - max. 100 EUR
Min. 25 EUR - max. 150 EUR
Min. 120 EUR - max. 200 EUR
Intra FINCI payments
Free of charge
Free of charge
Free of charge
Free of charge
Payments in EUR:
Payments via SEPA 11, SEPA Instant initiated electronically
0.25 EUR
0.30EUR
0.40 EUR
0,2% of amount, not less than 5 EUR
Payments non-SEPA 12 (SHA commission) 13
35 EUR
0,1% of amount, but not less than 35 EUR and not more than 100 EUR
0,15% of amount, but not less than 35 EUR and not more 100 EUR
0,2% of amount, but not less than 50 EUR
Payments non-SEPA 12 (SHA commission) 13 to high risk region 14,31
0,25% of amount, but not less than 120 EUR
0,25% of amount, but not less than 120 EUR
0,25% of amount, but not less than 150 EUR
0,25% of amount, but not less than 150 EUR
Payments non-SEPA 12 (OUR commission) 15
45 EUR + commission 14
0,1% of amount, but no less than 45 EUR and not more than 100 EUR + commission fee 14
0,15% of amount, but no less than 45 EUR and not more than 150 EUR + commission fee 14
0,2% of amount, but not less than 50 EUR and not more than 250 EUR + commission fee 14
Incoming SEPA 11, SEPA 11 Instant payment
Free of charge
Free of charge
0.15 EUR
0.2% of amount, but not less 5 EUR
Incoming non-SEPA 11 payments (SHA commission) 13 from high risk region 14,31
0,25% of amount, but not less than 120 EUR
0,25% of amount, but not less than 120 EUR
0,25% of amount, but not less than 150 EUR
0,25% of amount, but not less than 150 EUR
Incoming payments (non-SEPA)
Actual fee of other banks 16 (if any)
Actual fee of other banks 16 (if any)
10 EUR + actual fee of other banks 16 (if any)
0,2% of amount, but not less than 25 EUR + actual fee of other
banks 16 (if any)
Payments in other currencies:
Payments within EEA 17 In other than EUR currencies (SHA commission) 13
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
Payments outside EEA 17 in other than EUR currencies (SHA commission) 13
45 EUR
0,1% of amount but not less than 45 EUR and not more than 100 EUR
0,15% of amount, but not less than 50 EUR and not more than 150 EUR
0,2% of amount, but not less than 60 EUR
Payments outside EEA 17 in other than EUR currencies (SHA commission) 13 to high risk region 14,31
0,25% of amount, but not less than 120 EUR
0,25% of amount, but not less than 120 EUR
0,25% of amount, but not less than 150 EUR
0,25% of amount, but not less than 150 EUR
Incoming payments in other than EUR currencies (except Intra FINCI payments)
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
Incoming payments in other currencies than EUR (except Intra FINCI
payments) from high risk region 14,31
0,25% of amount but not less than 120 EUR
0,25% of amount but not less than 120 EUR
0,25% of amount but not less than 150 EUR
0,25% of amount but not less than 150 EUR
Issuance of SWIFT 18 or SEPA statement in paper format on outgoing or incoming payment transactions
25 EUR
25 EUR
25 EUR
25 EUR
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) 19
0,1% from amount (not less than 25 EUR and not more than 100 EUR) plus actual fee of other banks (if any) 19
0,1% from amount (not less than 25 EUR and not morethan 100 EUR) plus actual fee of other banks (if any) 19
0,1% from amount (not less than 25 EUR and not more than 100 EUR) plus actual fee of other banks (if any) 19
Fee for non SEPA outgoing payment return
Actual fee of other banks (if any) 19
Actual fee of other banks (if any) 19
Actual fee of other banks (if any) 19
Actual fee of other banks (if any) 19
Purchases by cards worldwide
Free of charge
Free of charge
Free of charge
Free of charge
Issuing the card in digital format 20
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 20
6 EUR
6 EUR
6 EUR
25 EUR
Monthly fee for additional card usage (physical or digital format) 21
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 Europe 22
60 EUR
60 EUR
60 EUR
60 EUR
Unreasonable reclamation on cards transactions
20 EUR
20 EUR
20 EUR
20 EUR
Cash withdrawal from ATMs in Intra - Europe 23
1,5 EUR + 2,5% of the withdrawn amount 24
1,5 EUR + 2,5% of the withdrawn amount 24
1,5 EUR + 2,5% of the withdrawn amount 24
3 EUR + 3,5% of the withdrawn amount 24
Cash withdrawal from ATMs outside Intra – Europe 23
2,5 EUR + 2,5% of the withdrawn amount 24
2,5 EUR + 2,5% of the withdrawn amount 24
2,5 EUR + 2,5% of the withdrawn amount 24
3 EUR + 3,5% of the withdrawn amount 24
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%
Escrow account (standard terms) 25
0,5% (but not less than 100 EUR)
0,5% (but not less than 150 EUR)
0,5% (but not less than 200 EUR)
0,7% (but not less than 400 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 26
10 EUR for verification link + the first verification of Client’s documents for Escrow account 26
10 EUR for verification link + the first verification of Client’s documents for Escrow account 26
30 EUR for verification link + the first verification of Client’s documents for Escrow account 26
Fee for changing the escrow account agreement after signing
250 EUR
250 EUR
250 EUR
350 EUR
Manual processing of the payment under client’s order
25 EUR
25 EUR
30 EUR
50 EUR
Investigation and cancellation of a payment order 27
70 EUR + extra costs 28
80 EUR + extra costs 28
90 EUR + extra costs 28
120 EUR + extra costs 28
Additional user profile custom setup
25 EUR
25 EUR
25 EUR
25 EUR
Fee for processing the tax administration / bailiff's collection order
10 EUR
20 EUR
20 EUR
30 EUR
Fee for manual execution of the tax administration / bailiff's order
5 EUR
20EUR
30 EUR
50 EUR
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) 29
up to 100 EUR + other bank commission 16, 30
up to 100 EUR + other bank commission 16, 30
up to 150 EUR + other bank commission 16, 30
up to 150 EUR + other bank commission 16, 30
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: https://www.ecb.europa.eu/paym/integration/retail/sepa/html/index.en.html
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: https://www.ecb.europa.eu/paym/target/target2/profuse/participation/html/index.en.html
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.
Fees for Business 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 legal person that is registered or intends to register in the System and intends to have or has a User profile (hereinafter “Client”). 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.
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. 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 fulfil 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 customer’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.
7. FINCI does not provide paper format account statement for closed accounts.
8. 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.
9. Fee for evaluation of possible 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.
10. 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.
11. 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: https://www.ecb.europa.eu/paym/integration/retail/sepa/html/index.en.html
12. 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
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. Commission fee of the correspondent bank (correspondent banks may charge additional fees during processing the payment).
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. Other bank commission fee might be applied (other banks may charge additional fees during processing the payment). Other banks -all banks involved 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. SWIFT - (The Society for Worldwide Interbank Financial Telecommunication) is a messaging system that runs on a network of financial institutions globally.
19. 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.
20. 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 more 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.
21. If the Client closes an additional card, FINCI may charge a monthly fee at the time of closing the card.
22. 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.
23. 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.
24. Additional fees from ATM systems might be applied.
25. 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 case-by-case basis, but not less than 350 EUR. Fees for urgency and non-standard terms are combinable.
26. 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.
27. 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).
28. Extra costs - commission, determined by correspondent bank and/or beneficiary bank apart from the FINCI’s for payment order investigation.
29. 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.
30. FINCI may apply the fee and fee amount depends on the scope of the investigation.
31. High-risk regions shall be defined based on internal regulations of FINCI. FINCI reserves the right to amend the list of high-risk regions.
FINCI uses cookies and similar technologies to provide you personalized information and ads about our products and services, analyze our traffic, and improve the performance of the website. There are three different categories of cookies we use: necessary, analytical and targeting.
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”).
Please, note if you accept analytical and/or targeting cookies, we may share information about your use of our website with our analytics and advertising partners who may combine it with other information that you’ve provided to them or that they’ve collected from your use of service.
You can always change your preferences and decline cookies in accordance with our “Cookies Policy”.
