The Main Fees and Charges for Private Clients

 Included in the service plan fee
 Not included in the service plan fee

If you use only 1 bank account, 1 Debit Mastercard, make 15 or less payments per month, and you do not need the instant trauma insurance, consider subscribing to the plan MINIMUM (the basic payment account service regulated by the Bank of Lithuania). For more information, please refer to the website of the Bank of Lithuania (in Lithuanian), or  the Frequently Asked Questions section on our website.

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

¹ If you are aged between 18 and 25 (inclusive) and use another plan, terminate its agreement, and we will automatically apply the plan YOUTH.
² Service plan MINIMUM corresponds to the service set of the basic payment account service approved by the Bank of Lithuania. The monthly fee of the plan for socially disadvantaged people from 1 January 2025 – 0.50 Eur. 
³ Concluding, monthly fee of service plan DAILY for clients onboarded via mobile app – EUR 0 for the first 3 months or up to 25 years (inclusive).
⁴ Concluding, monthly fee of service plan DAILY for individuals aged 18 to 25 (inclusive) – 0 Eur; for individuals who have reached the retirement age determined by the Law on State Social Insurance Pensions – 1 Eur.
⁵ In all currencies to other client’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 check here.
⁶  The insurance service is free and is included in the DAILY, DAILY+ and PREMIUM service plans. With instant trauma insurance coverage, you or your service plan member will be paid if you or your service plan member experience a medical condition (injury) that requires you or your service plan member to go to the emergency room as a result of an accident. The insurance benefit is paid for one such event to you or your service plan member per calendar year and its occurrence must be proven by medical documents. The insurance benefit is paid within two working days from the submission of the necessary medical documents. The client or their service plan member does not need an insurance policy to receive this coverage. Insurance coverage for the client is valid from the day after the conclusion of the service plan contract until the contract expires, and for the service plan member from the date of agreement to become a service member until the member is removed from the service plan. Insurance protection in case of injury is provided by the Lithuanian branch of "SEB Life and Pension Baltic SE". This insurance cannot be purchased separately without a service plan.
⁷ There is an additional charge for sending/collecting the card.
⁸ Bank account opening, maintenance, bank account closure, administration of incoming payments⁹. Non-resident clients who subscribe to a service plan are additionally subject to a minimum bank service fee for nonresidents. Non-resident clients are natural persons who don’t have the right to reside in the Republic of Lithuania or any other Member State of the European Union (EU) or the European Economic Area (EEA) or the United Kingdom (UK).
⁹ 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.
¹⁰  You can invite one or two people to use the same service plan as you do. Important to remember: (i) these people already should be SEB clients, (ii) you will be paying for each additional plan user (not the user himself / herself), and you will be paying 80 % of the service plan price.
¹¹  For clients who don’t have a device with a bank-accepted authentication method, a digipass is issued free of charge.
¹² For individuals who have reached the retirement age determined by the Law on State Social Insurance Pensions.

¹ The fee is applied for every bank account of a customer. 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, Vatican City State. 

³ Non-resident clients are natural persons who don't have the right to reside in the Republic of Lithuania or any other Member State of the European Union (EU) or the European Economic Area (EEA) or the United Kingdom (UK).

⁴ PLAIS – Funds limitation information system administrated by VĮ Registrų centras.

⁵ Limited usage account is an account of limited functionality intended for servicing credit, leasing, deposit or any other banking product, where a client does not wish to have a bank account, yet an account is necessary for proper administration of a relevant service, and the right to have a limited usage account is provided by legislation or under agreement with the bank. Using the account for a purpose other than indicated above, the initiation of any transactions unrelated to the administration of a particular service or ordering any additional services will incur fees set in the Price List.

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. 

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. 

¹ Free of charge if money is transferred from savings deposit account or for purchase of saving and investment instruments. 

² Free of charge if money is transferred from client's, who is younger than 14 years, account to his (her) parent's or custodian's account within SEB Bank.

² Free of charge if money is transferred from the accounts of persons recognized as incapacitated/limitedly incapacitated in the area of property relations. 

Money transfers between SEB bank accounts are 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.

SEB Internet bank, Financial Planner service and SEB mobile application are accessible 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:

Issuance and delivery

Depositing of cash

Cash withdrawal

Credit drawdown fees and terms

Other services

Issuance and delivery

Depositing of cash

Cash withdrawal

Credit drawdown fees and terms

Other services

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

² This 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.

Issuance and delivery

Depositing of cash

Cash withdrawal

Credit drawdown fees and terms

Other services

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.

Typical example for calculating annual percentage rate of charge (APRC) 

If you are a granted a consumer credit of EUR 5 000 for a period of 5 years, the total amount to be paid to the bank would amount to EUR 6 455,51. Your monthly payment would be EUR 106,61.  The total cost of borrowing, calculated on an annual basis, i. e. the Annual Percentage Rate (APR) would be 11,07 %. The calculation of APR includes the following expenses: 

• 10 % fixed interest p. a.;
• EUR 0 administration fee;
• minimal fee for the main bank services EUR 1 per month.

We have calculated APRC and the total amount based on the following assumptions: the loan is paid out on the date the agreement is signed; the interest rate and fees stay the same during the whole loan period; you meet all the terms of the loan agreement on time. The APRC is shown to help you easily compare different loan offers.

Šie įkainiai taikomi nuo 2012 m. sausio 30 d.

Typical example for calculating annual percentage rate of charge (APRC) 

If you are a granted a consumer credit of EUR 5 000 for a period of 5 years, the total amount to be paid to the bank would amount to EUR 6 455,51. Your monthly payment would be EUR 106,61.  The total cost of borrowing, calculated on an annual basis, i. e. the Annual Percentage Rate (APR) would be 11,07 %. The calculation of APR includes the following expenses: 

• 10 % fixed interest p. a.;
• EUR 0 administration fee;
• minimal fee for the main bank services EUR 1 per month.

We have calculated APRC and the total amount based on the following assumptions: the loan is paid out on the date the agreement is signed; the interest rate and fees stay the same during the whole loan period; you meet all the terms of the loan agreement on time. The APRC is shown to help you easily compare different loan offers.

Find out more about the discretionary portfolio management service