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Changes in price list and other documents for private customers

This is to notify that on 1st January 2025 the new service fees for private customers as well as the updated version of other documents will take effect.

Changes in price list

This is to notify that on 1st January 2025 the new service fees for private customers will take effect. Please find the details of the updates below.

Service / Fee Fee until 31 December 2024 (inclusive) Fee starting from 1 January 2025
Service plan name MINIMUM MINIMUM
Concluding, monthly fee
  • EUR 1.37
  • EUR 0.691
  • EUR 1.00
  • EUR 0.501
What is included in the plan?
Minimum bank services2:
  • bank account opening
  • bank account maintenance
  • bank account closure
  • administration of incoming payments3
 1 account 1 account
Payments to European countries4 via the internet:
  • 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
 10 payments 15 payments
One debit card without monthly fee5 Debit Mastercard Debit Mastercard
Sending debit card to customer by regular post in Lithuania
Cash withdrawal at ATMs of SEB bank and other Lithuanian and foreign banks with any debit card (a limit is common to all available debit cards) EUR 550/month EUR 800/month
Depositing of cash into your own bank account in euros using SEB bank cash-in ATMs in Lithuania in excess of approved standard 10000 Eur/month limit
Digipass issuance6

1 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 until 31 December 2024 (inclusive) is 0.69 Eur, from 1 January 2025 – 0.50 Eur.
2 Non-resident customers who subscribe to a service plan are additionally subject to a minimum bank service fee for non-residents. All natural persons are classified as non-resident customers, other than those who are classified as residents. A resident is a natural person legally residing in the Republic of Lithuania or in any other Member State of the European Union or of the European Economic Area, United Kingdom, i.e. a person who, by virtue of the legislation of the Republic of Lithuania or of such other Member State has the right, respectively, to reside in the Republic of Lithuania or in such other Member State.
3 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.
4 You can find more information on payments and their conditions here.
5 No monthly fees of the oldest debit card apply.
6 For customers without a smart device (smartphone, tablet, laptop, etc.), a digipass is issued free of charge.

Read the new wording of Fee information document – MINIMUM (PDF).

Service / Fee Fee until 31 December 2024 (inclusive) Fee starting from 1 January 2025
Minimum bank service fee for non-residents1:
  • bank account maintenance
  • bank account closure
  • administration of incoming payments2
 EUR 10 per month3
  • EUR 10 per month3 
  • Free of charge to minors (up to 18 years of age)

1 All natural persons are classified as non-resident customers, other than those who are classified as residents. A resident is a natural person legally residing in the Republic of Lithuania or in any other Member State of the European Union or of the European Economic Area, United Kingdom, i.e. a person who, by virtue of the legislation of the Republic of Lithuania or of such other Member State has the right, respectively, to reside in the Republic of Lithuania or in such other Member State. 
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, Switzerland, Monaco, San Marino, United Kingdom and Andorra.
3 The fee is applied for every bank account of a customer.

Service / Fee Fee until 31 December 2024 (inclusive) Fee starting from 1 January 2025
Intra-bank payments in all currencies (at the Bank)1, 2:
  • payment between customer own accounts within SEB bank
  • to other customer's account within SEB Bank
 EUR 5
  • EUR 5
  • Free of charge if money is transferred from the accounts of persons recognised as incapacitated/limitedly incapacitated in the area of property relations
European payment (at the Bank)3:
  • SEPA payment4, 5
 EUR 5
  • EUR 5
  • Free of charge if money is transferred from the accounts of persons recognised as incapacitated/limitedly incapacitated in the area of property relations

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 customer’s, who is younger than 14 years, account to his (her) parent’s or custodian’s account within SEB Bank.
3 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. The payment order must bear the payee’s IBAN format account. In case of a European payment, the payer pays SEB Bank‘s commission fees and payee pays other bank‘s commission fees (SHA).
4 Funds according to a SEPA payment order are transferred on the same day, if the payment order is given on a banking day before 4:00 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.

Service / Fee Fee until 31 December 2024 (inclusive) Fee starting from 1 January 2025
Money transfer according SEPA direct debit order (for each payment order)1 EUR 3 Service is no longer provided
1 SEPA direct debit service is provided to a customer – payer, willing that funds are debited from his account according to SEPA direct debit payment order.
Service / Fee Fee until 31 December 2024 (inclusive) Fee starting from 1 January 2025
SMS message received from the bank
  • EUR 0.151
  • Free of charge for private individuals of retirement age determined by the Law on State Social Insurance Pensions from 1 July till 31 December 2024
  • EUR 0.151 
  • Free of charge for private individuals of retirement age determined by the Law on State Social Insurance Pensions
1 The fee is deducted for the last day's messages sent from the bank.
Service / Fee Fee until 31 January 2025 (inclusive) Fee starting from 1 February 2025
Contract fee:
  • loan issuance
  • increase in loan amount
  • 0.4 % of the loan amount, at least EUR 200
  • No fee applies for Green home loan
  • 0.4 % of the loan amount, at least EUR 200
  • No fee applies for Green home loan
  • No fee applies for simplified refinancing as indicated in the Law on Real Estate Related Credit
Commitment fee 0.4 % per year of the undisbursed loan amount
  • 0.4 % per year of the undisbursed loan amount
  • No fee applies for simplified refinancing as indicated in the Law on Real Estate Related Credit
Fee for a consent to provide a second ranking pledge of property to another creditor EUR 150
  • EUR 150
  • No fee applies for simplified refinancing as indicated in the Law on Real Estate Related Credit
Amendment to terms and conditions of a loan agreement in case of a change of variable interest rate margin or fixed interest rate 0.4 % of the loan amount, at least EUR 200
  • 0.4 % of the loan amount, at least EUR 200
  • No fee applies for simplified refinancing as indicated in the Law on Real Estate Related Credit


Typical example for calculating annual percentage rate

If a loan of EUR 100,000 secured by real estate collateral is granted for the period of 25 years and 300 loan instalments based on the annuity method will be made, the total amount to be paid by such borrower will make EUR 170,280.33, monthly instalment – EUR 559.67. The annual percentage rate will make 4.83 %. Annual percentage rate showing the total cost of a loan is calculated by including the below instalments made within the entire loan period:

  • 4.5 % variable interest
  • EUR 400 contract fee
  • EUR 8.6 mortgage (pledge) registration fee
  • EUR 1 per month minimum fee for main banking services
  • EUR 70 dwelling insurance annual premium

Note. Property valuation costs and the commission for the services provided by a credit intermediary are not included.

Annual percentage rate and the total amount to be paid by the borrower are calculated considering that the loan is disbursed on the agreement signature date and that the terms of the agreement, interest rate and fees do not change within the entire loan period, and the terms and conditions of the agreement are timely implemented. If you fail to fulfil or unduly fulfil the terms of the loan agreement, the risk exists that you may be deprived of the ownership right to the pledged real estate. The mortgaged real estate must be insured in favour of the bank during the entire loan period.

Service / Fee Fee until 31 January 2025 (inclusive) Fee starting from 1 February 2025
Trading equities and exchange traded funds (ETF) Financial transaction tax in specific market may be applicable regardless of the trading venue or jurisdiction in which the securities are traded Financial transaction tax in specific market may be applicable regardless of the trading venue or jurisdiction in which the securities are traded. Corporate actions (both voluntary and mandatory) may incur additional charges, including financial transaction taxes or similar fees, as applicable in the issuer’s jurisdiction. These charges may be debited from your account up to two months after the transaction has been executed