The Main Fees and Charges for Business Customers

For existing companies
 

Included in the service plan fee
For an extra fee

Scroll the table horizontally, in order to see more information on different service plans.

The service is not available to non-resident customers⁶, banks and credit unions.

¹ Bank account opening, bank account maintenance, bank account closure, administration of incoming payments². Term deposit accounts, savings deposit accounts, credit card accounts are not included in the service plans and are not charged.​​​​​​
² Administration of incoming payments in all currencies transferred within SEB Bank and administration of incoming payments in euro from other banks registered in Lithuania, the EU, the EEA countries, United Kingdom, Switzerland, Monaco, San Marino, Andorra and Vatican City State.
³ In all currencies to other customer's account within the Bank, according to bill or tax payment, under a standing order agreement, one-off e-invoice payment, European: instant and SEPA. For more information about payments and their conditions check bank's webpage www.seb.lt.
⁴ No monthly fees of the oldest debit card apply.
⁵ For more information about SEB Baltic Gateway basic services please check Bank's webpage www.seb.lt.
⁶ Any legal person having its registered office outside Lithuania is classified as a non-resident customer.

The offer is valid for companies established during the previous 12 months and have not previously been SEB Bank's business customers

The service is not available to non-resident customers⁷ , banks and credit unions.

¹ Bank account opening, bank account maintenance, bank account closure, administration of incoming payments.
² For more information about payments check Bank‘s webpage www.seb.lt.
³ In all currencies to other customer’s account within the Bank, according to bill or tax payment, under a standing order agreement, one-off e-invoice payment, european: instant and SEPA, submission of salary (consolidated) payment, including payment to other bank registered in Lithuania or in the European Union and the European Economic Area countries, United Kingdom, Switzerland, Monaco, San Marino, Andorra and Vatican City State.
⁴ No monthly fees of the oldest debit card apply.
⁵ You can find more information about the card payment service and the installation of electronic card readers on the website www.seb.lt.
⁶ For more information about SEB Baltic Gateway service please check Bank‘s webpage www.seb.lt.
⁷ Any legal person having its registered office outside Lithuania is classified as a non-resident customer.

¹ The fee is applied for every bank account of a client. If there are no funds in the client's accounts and calculated fees remain due, charging is suspended from the fourth month onwards until funds are deposited in the account or the account is closed. 

² Administration of incoming payments in all currencies transferred within SEB Bank and administration of incoming payments in euro from other banks registered in Lithuania, the EU, the EEA countries, United Kingdom, Switzerland, Monaco, San Marino, Andorra and Vatican City State.

³ All legal persons having their registered office outside Lithuania are classified as non-resident customers.

⁴ The fee applies to business clients registered in the Republic of Lithuania, if at least one of such client’s participants (founders / shareholders / members), ultimate beneficiaries and / or private / legal persons in the ownership / control structure comply with the definition of the private / legal non-resident client, as is indicated in the pricelists for private and business clients. The fee shall be paid before the verification carried out by the bank and before the bank’s decision to start business relationship with the client, also, each time, when during the relationship with the client, the data of the persons indicated in this section changes.

⁵ We will give 10 working days' notice of the fee. The fee shall be calculated for each calendar day on the basis of the total amount of the client's bank account balances at 23.00 and the amount of payment orders submitted by the client to the payee's payment service provider after the deadlines for the execution of payment orders⁹. The fee component of the amounts of the submitted payment orders shall be calculated until the bank transfers the funds under the payment orders to the payee's payment service provider or its correspondent bank. The fee shall not apply if the central bank interest rate in the relevant currency listed in the table is zero or above zero. The fee shall be debited in the following calendar month in respect of the preceding month in accordance with the procedures set out in the Bank's General Rules.

⁶ Business client means a client to whom the Bank applies business client service fees.

⁷ EUR – ECB deposit facility rate
   SEK – Sveriges Riksbank repo rate
   DKK – Danmarks Nationalbank Certificates of deposit rate
   CHF – Swiss National Bank negative interest rate

⁸ Credit institution means banks of the Republic of Lithuania, branches of foreign banks, representative offices of foreign banks, banks of the European Union operating in our country without establishing a branch, credit unions operating in Lithuania and the Central Credit Union of Lithuania, as well as financial companies controlled by foreign banks licensed by the European Union and operating in Lithuania without establishing a branch.

⁹ Payment order execution terms are set out in the section on fees for European and international money transfers.

¹⁰ The fee is applied per each account based on agreement. The amount of the fee calculated for the month is debited at the end of the month.

¹¹ The fee applies to non-standard statements or statements covering more than the recent six months’ period.

¹² We quote the prices with the value-added tax (VAT) included.

¹ We apply an additional fee for sending / collecting the card.

² The fee is added to the card issuance fee.

³ The ATM operator may apply additional fees when using a non-SEB -branded ATM.

⁴ Cash withdrawals from the terminals of “Perlas Finance”.

⁵ If other ATMs have the technical functionality to check SEB account balance.

⁶ If the transaction currency is other than euro, we convert the transaction amount into euro based on the exchange rate set by Mastercard on the day of processing. Next to the exchange rate applied by Mastercard, we add an exchange fee.

⁷ We quote the prices with the value-added tax (VAT) included.

¹ We apply an additional fee for sending / collecting the card.

² The fee is added to the card issuance fee.

³ The ATM operator may apply additional fees when using a non-SEB -branded ATM.

⁴ Cash withdrawals from the terminals of “Perlas Finance”.

⁵ If other ATMs have the technical functionality to check SEB account balance. 

⁶ If the transaction currency is other than euro, we convert the transaction amount into euro based on the exchange rate set by Mastercard on the day of processing. Next to the exchange rate applied by Mastercard, we add an exchange fee. 

⁷ We apply the fee if the cardholder requests to receive the documents that confirm payment transaction by card, and it turns out that they include their signature or other data which proves that the cardholder has made the payment by card.

¹ Charges are not applied if money are transferred from savings deposit account or for purchase of saving and investment instruments.

If the payer's and the payee's accounts are with SEB Bank, money transfer is executed on the same banking day.

¹ This payment includes transfers in euro to other banks registered in Lithuania, the European Union, United Kingdom, Switzerland, Monaco, San Marino, Andorra, Vatican City State and the European Economic Area countries – Norway, Iceland and Lichtenstein. In case of a European payment, the payer pays SEB Bank‘s commission fees and payee pays other bank‘s commission fees (SHA).

² Funds according to an instant payment order will be transferred immediately twenty-four hours a day during the entire year. If the bank of the beneficiary has joined the instant payment system and payment sum does not exceed client's instant payment limits, the transfer will be made automatically as an instant payment.

³ Funds according to a SEPA payment order are transferred on the same day, if the payment order is given on a banking day before 4:30 p.m.

⁴ Funds according to an Express payment order are transferred immediately, if the payment order is given on a banking day before 4:30 p.m.

⁵ Funds are transferred every day except weekends and international holidays: New Year's Day (January 1st), Easter Good Friday, Easter Monday, Labor Day (May 1st), First and Second day of Christmas (December 25th- 26th). If a payment order is given after 4:00 pm on a working day, on weekends or on international holidays, the funds are transferred on the next banking day. The time of crediting the payee’s account depends on the payee’s bank.

⁶ Free of charge if money is transferred from the accounts of persons recognized as incapacitated/limitedly incapacitated in the area of property relations.

This money transfer includes:

• all transfers in foreign currency (other than in euro) to other Lithuanian-registered banks or other countries
• transfers in euro to banks registered in other countries, with the exception of the European Union, the European Economic Area countries, United Kingdom, Switzerland, Monaco, San Marino, Andorra, Vatican City State

The complete list of payment currencies in which cross-border transfers are carried out

A standard cross-border payment order is executed after 2 banking days, if the payment order is submitted by 10:00 p.m. on a banking day.
If the payment order is submitted after above mentioned time or on non-banking day, funds transfer will be executed one banking day later.

An urgent cross-border payment is executed next banking day, if the payment order is submitted by 3:00 p.m. on a banking day.
If the payment order is submitted after above mentioned time or on non-banking day, funds transfer will be executed one banking day later.
In case of CNY, INR, QAR, SAR currencies, no urgent cross-border payments may be executed.

An express cross-border payment is executed on the same banking day, if payment order submitted in:

• EUR, USD, CAD, GBP by 4.30 p.m.
• CZK, HRK, KZT, MXN, RON, RSD, UAH by 10:00 a.m.
• DKK, HUF, PLN by 1:00 p.m.
• CHF, NOK, SEK by 3:00 p.m.

If the payment order is submitted after above mentioned time or on non-banking day, funds transfer will be executed one banking day later.
In case of AUD, CNY, HKD, ILS, INR, JPY, NZD, QAR, SAR, SGD, TRY, ZAR currencies, no express cross-border payments may be executed.

¹ OUR – a payer pays SEB Bank and other bank commission fees. Other bank commission fees are debited from the payer's account.
² SHA – a payer pays SEB Bank commission fees, the payee pays other bank commission fees, except where a fee cannot be debited from the payee's account in accordance with the rules set by the other bank.
³ List of countries for high-risk fee: Afghanistan, Algeria, American Samoa, Angola, Anguilla, Armenia, Aruba, Azerbaijan, Barbados, Belize, Bhutan, Bolivia, Bonaire, Sint Eustatius and Saba, British Virgin Islands, Brunei, Burkina Faso, Burundi, Cameroon, Central African Republic, Chad, Comoros, Cook Islands, Côte d'Ivoire, Democratic Republic of Congo, Djibouti, El Salvador, Equatorial Guinea, Eritrea, Eswatini, Fiji, Gambia, Georgia, Grenada, Guinea, Guinea-Bissau, Haiti, Yemen, Iraq, Jamaica, Kazakhstan, Kenya, Kyrgyzstan, Kiribati, Laos, Lebanon, Lesotho, Liberia, Mali, Marshall Islands, Mauritania, Myanmar, Micronesia, Montserrat, Mozambique, Namibia, Nauru, Nicaragua, Niger, Nigeria, Niue, Northern Mariana Islands, Pakistan, Palau, Panama, Papua New Guinea, Philippines, Saint Helena, Saint Lucia, Saint Vincent and the Grenadines, Samoa, São Tomé and Príncipe, Senegal, Serbia, Solomon Islands, Somalia, South Africa, South Sudan, Suriname, Tajikistan, Tanzania, Timor-Leste, Tonga, Trinidad and Tobago, Turkmenistan, Turks and Caicos, Tuvalu, Uganda, United Arab Emirates, Uzbekistan, Vanuatu, Vietnam, Wallis and Futuna, Western Sahara. 

Member states are the countries of the European Union and the European Economic Area.
Only shared charges (SHA) are allowed if payee‘s bank is registered in the European Union  or the European Economic Area country, United Kingdom, Switzerland, Monaco, San Marino, Andorra, Vatican City State. Cross-border payment to the countries listed above are not executed if the bank fees are paid only by the payer (OUR).

Foreign currency is a currency other than the euro.

¹ Charges are not applied if money are transferred between client’s own accounts for purchase of saving and investment instruments. Charges also are not applied if funds are transferred to SEB Bank account with purpose to cover client’s liabilities to SEB Bank.

¹ The fee is applied to a payer for every payment to a submitted account on the list

For more information about your bank account, money transfer, other related services, terms and rates, please call +370 5 268 2822 (I-V 8:00-17:00).

¹ Charges are not applied if money are transferred between client’s own accounts for purchase of saving and investment instruments. Charges also are not applied if funds are transferred to SEB Bank account with purpose to cover client’s liabilities to SEB Bank.

SEB Internet bank and SEB mobile application are accessible free of charge.

* Applied if at the bank's sub-branch, during a video advice or in any other manner the bank employee makes amendments to the Internet Bank agreement, which amendments can be made by the company’s administrator on the Internet Bank. Other amendments are free of charge.

Whether you communicate with your bank account manager or use the auto-response service, the bank's phone consultations are free, but you will be charged for the call by your telecommunications operator:

* Both services – statement of account issuance and payment transaction (irrespective of the number of accounts) are subject to a new fee. Commission for fulfilment of payment orders is charged by the bank which keeps the respective account of the company from which funds are being transferred. For instance, when funds are transferred from an affiliate’s account with the Latvian SEB, the bank will debit the commission from the account from which the funds are being transferred.

¹ Total monthly fee depends on which services are selected in the agreement.
² The fee does not apply to customers who are using business service plans. 

¹ The fee is calculated of increase in the limit amount.

² Fee is not applied in the event of overdraft maturity extension or increase in the limit. 

¹ The fee is calculated of increase in the loan amount.

² The fee is not applied in the event of the loan maturity extension or increase in the loan amount.

VAT should be added to the factoring fees.

¹VAT is included in the case of operating leases.

²We quote the prices with VAT included.

¹ SEB standard-text is available at www.seb.lt
² If funds are not deposited, an agreed commitment fee is applied. If the funds are deposited, a fee shall be applied for the balance of funds in the accounts as indicated in Price list of SEB bank’s services and transactions for business clients.
³ Urgent delivery of a guarantee / amendment of a guarantee is performed within one business day since the moment in time when relevant request, correctly filled out and duly signed, is submitted to our bank. When filing a request, any and all terms and conditions of Guarantee Issuance Agreement must be met.

Guarantee fees applicable to stand-by letters of credit.

¹ If the funds are deposited, a fee shall be applied for the balance of funds in the accounts as indicated in Price list of SEB bank's services and transactions for business clients. If funds are not deposited, a commitment fee is also applied according to the agreement. 

¹ The fee applies to non-standard statements or statements covering more than the recent six months' period. 
² PLAIS – Funds limitation information system administrated by SE Centre of Registers (VĮ „Registrų centras“).

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