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. 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 pay 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 sum of the euro payment order is under 15.000 euros and the bank of the beneficiary has joined the instant payment system, 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 4:00 p.m.
⁴ Funds are transferred every day except weekends and international holidays: New Year's Day (January 1st), Easter Good Friday, Easter Monday, Labour 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.

 Included in the service plan fee

¹ Service plan STANDARTAS has been formed according to the set of basic services produced by the Bank of Lithuania. Concluding, monthly fee of this service plan for socially disadvantaged people is 0 Eur.
² Service plan MINIMUM has been formed according to the set of basic services produced by the Bank of Lithuania. Concluding, monthly fee of this service plan for socially disadvantaged people is 0.69 Eur.
³ 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.
⁴ 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.
⁵ For more information on payments and their conditions, check bank‘s webpage www.seb.lt.
⁶ No monthly fees of the oldest debit card apply.
⁷ For customers without a smart device (smartphone, tablet, laptop, etc.), a digipass is issued free of charge.

¹Calculation Sample of the Annual Percentage Rate of Charge (Mastercard Standard) 
If you obtain and use the credit limit of EUR 2.000 available in your credit card account, and the credit period makes 12 months, the total amount to be repaid by the borrower will make EUR 2 309.08 (if 5% fluctuating instalment method is selected for the credit repayment) or EUR 2 326.78 (if the credit will be repaid in a lump sum).
The above specified amount includes interest accrued within the credit period (fixed interest rate of 17 % (if 5% fluctuating instalment method is selected) or 14 % (if the credit will be repaid in a lump sum) has been applied in the calculation), the card issuance, collecting card at the bank’s branch and card use fee (service fees of contactless credit card Mastercard Standard have been included in the calculation) and taking into consideration the selected credit repayment method and repayment day (15th day).
In such case, the annual percentage rate of charge makes 21.04 % (if 5% fluctuating instalment method is selected for the credit repayment) or 16.95 % (if the credit will be repaid in a lump sum). The annual percentage rate of charge and the total amount to be repaid by the borrower has been calculated taking into consideration the selected credit repayment method and the repayment day and making assumptions that the amount of outstanding credit is repaid within 12 months, the bank and the customer fulfil their obligations under the credit agreement within a specified period of time, interest rate and other charges remain the same as they were on the date of entering into the agreement on credit limit, the bank disburses the total credit on the agreement signature date and such amount is not repaid by the credit maturity date.
²Calculation Sample of the Annual Percentage Rate of Charge (Mastercard Premium) 
If you obtain and use the credit limit of EUR 2.000 available in your credit card account, and the credit period makes 12 months, the total amount to be repaid by the borrower will make EUR 2 341,08 (if 5% fluctuating instalment method is selected for the credit repayment) or EUR 2 358, 78 (if the credit will be repaid in a lump sum).
The above specified amount includes interest accrued within the credit period (fixed interest rate of 17 % (if 5% fluctuating instalment method is selected) or 14 % (if the credit will be repaid in a lump sum) has been applied in the calculation), the card issuance, collecting card at the bank’s branch and card use fee (service fees of credit card Visa Gold have been included in the calculation) and taking into consideration the selected credit repayment method and repayment day (15th day).
In such case, the annual percentage rate of charge makes 23,41 % (if 5% fluctuating instalment method is selected for the credit repayment) or 18,75 % (if the credit will be repaid in a lump sum). The annual percentage rate of charge and the total amount to be repaid by the borrower has been calculated taking into consideration the selected credit repayment method and the repayment day and making assumptions that the amount of outstanding credit is repaid within 12 months, the bank and the customer fulfil their obligations under the credit agreement within a specified period of time, interest rate and other charges remain the same as they were on the date of entering into the agreement on credit limit, the bank disburses the total credit on the agreement signature date and such amount is not repaid by the credit maturity date.
³ The fee is debited to the Mastercard World Elite card account in USD according to the non-cash selling rate set by SEB Bank (which is valid on the day of the card account debiting).

Calculation Sample of the Annual Percentage Rate of Charge (APRC)
If you received a EUR 5000 consumer loan in euros for 5 years, the total amount payable by the consumer would be EUR 6529.79 monthly payment will be EUR 106.61. The amount includes the consumer loan interest paid over the loan maturity (10 % interest rate was applied) the administration fee EUR 75 and the account maintenance fee EUR 1. In this case the annual percentage rate of charge would be 11.80%. The annual percentage rate of charge and the total amount to be repaid by the borrower are calculated considering that the loan is disbursed on the agreement signature date, and that the terms of the agreement, the interest rate and fees do not change during the entire loan term, and the terms and conditions of the agreement are timely implemented. The annual percentage rate of charge is provided to help you compare different offers.

Calculation Sample of the Annual Percentage Rate of Charge (APRC)
Say, you are getting a leasing on a car priced at EUR 30 000 and you pay the car seller a down payment of EUR 6 000 from your own funds, so the total amount of credit would be EUR 24 000, total amount payable by the consumer would be EUR 27 384,42. Total cost of the credit to the consumer (calculated by including leasing interest paid over the leasing maturity (EUR 3 024,42), the agreement fee (EUR 300), the minimum fee for main banking services (EUR 1 per month)) would be EUR 3 384,42 assuming that the leasing period is 5 years, currency - euros, the variable interest rate -4,772 proc., consisting of 2,29% margin + 3 month Euribor (3 month Euribor value on calculation day is 2,482 proc.). The annual percentage rate of charge would be 5,51 %, monthly instalment – EUR 450,41. The customer has also an obligation to insure a car at the insurance company acceptable to AB SEB bankas under the terms set in the leasing agreement (the insurance price is not included in the annual percentage rate of charge). In case of a negative Euribor it will be treated that Euribor is equal to zero.

Contract fee:

Amendment to terms and conditions of a loan agreement in case of:

Calculation Sample of the Annual Percentage Rate of Charge (APRC)

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 178.856.81, monthly instalment – EUR 589.06. The annual percentage rate will make 5.35 %. Annual percentage rate showing the total cost of a loan is calculated by including the below instalments made within the entire loan period:

•  5 % variable interest
•  EUR 400 agreement fee
•  EUR 8.6 mortgage (pledge) registration fee
•  EUR 1 per month minimum fee for main banking services
•  EUR 61 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 favor of the bank during the entire loan period. 

Read the new wording of General rules. 

General rules (PDF, LT)

Read the new wording of Service plans terms and conditions for private customers.

Service plans terms and conditions for private customers (PDF)

Read the new wording of Standing order agreement.

Standing order agreement (PDF)

Read the new wording of Description of  the terms for the provision of services  on the internet bank.

Description of  the terms for the provision of services  on the internet bank (PDF)

Read the new wording of Leasing general terms and conditions.

Leasing general terms and conditions (PDF, LT)

Read the new wording of Consumer credit granting rules.

Consumer credit granting rules (PDF, LT)

Fee Information Document - YOUTH (PDF)
Fee Information Document - MINIMUM (PDF)
Fee Information Document - DAILY (PDF)
Fee Information Document - DAILY+ (PDF)
Fee Information Document - PREMIUM (PDF)