|Card issuance fee*||free of charge|
|Collecting the card at the bank's unit**||EUR 10|
|Card sending by mail within Lithuania||free of charge|
|Card sending by mail abroad||EUR 6|
|Card maintenance fee||EUR 2 per month|
|Card renewal*** fee||free of charge|
|Card replacement||EUR 4|
|Card issuing in an urgent procedure (in 2 working days)||EUR 25|
*From 22 February 2019 we no longer issue new cards. PINS cards issued before 22 February 2019 will be updated/changed by issuing the same cards.
**This fee is also applied if the customer had specified to the bank that the card will be collected at the bank’s unit but afterwards requested to send it by mail.
***The Bank has the right to not renew the Card if no payments have been made with the Card in the past 6 (six) months.
Example of the annual rate calculation on the overall credit price (PINS Mastercard)
If the Bank issued EUR 1,500 credit in the payment card account for 36 months' period, the overall amount payable by the borrower would make EUR 1,658.74 and the overall annual rate of the credit price would make 20.81%.
The calculations include the interest paid during the credit period (18 % fixed annual interest rate was used for the calculation), payment card administration fee of EUR 2 per month and minimal service fee of Eur 1 per month.
The overall annual rate of the credit price and the overall amount payable by the borrower is calculated assuming that the total Credit Limit is used on the Credit Limit issue day and is fully repaid on the last effective day of the agreement and the interest for using the Credit Limit is paid every month.
|Cash withdrawal at Luminor ATMs in Baltic countries and SEB ATMs in Lithuania||2% of the amount (min. EUR 2)|
|Cash withdrawal at other banks' ATMs||2.50% of the amount (min. EUR 3)|
|Cash withdrawal within the network of the bank's partners* via POS||0.40% of the amount (min. EUR 0.80)|
|Cash depositing at Luminor ATMs in Lithuania with cash-in function||free of charge|
|Cash depositing within the network of the bank's partners* via POS||EUR 0.3|
*At Perlo paslaugos, UAB Perlo lottery terminals (cash withdrawal and depositing) following the lists of locations of the Bank's partners provided on website: Perlas terminals.
|Credit limit interest||18%|
|Minimum monthly mandatory payment (% on the utilized credit limit)||10-100%|
|Credit repayment day||5-15 d.|
|Interest free period||From purchase date until the next months’ credit repayment day (max. 45 d.)|
|Card unblocking fee when the card was blocked due to outstanding commitments||EUR 12|
|Balance enquiry and mini statement printing at other banks ATMs or UAB „Perlo paslaugos“ terminals||EUR 0.50|
|Preparation and sending a card statement by mail||EUR 1.50|
|Obtaining a receipt of payment||EUR 15|
|Obtaining a travel document (car rent, hotel reservation, air ticket booking, etc.) in case of payment abroad||EUR 35|
|Urgent withdrawal of a retained card from Bank (ex-Nordea only) ATM||EUR 75|
|Mastercard Global service (Urgent credit card blocking or replacement in case the credit card is stolen or lost; emergency cash advances)||Actual expenses, however, not more than 144.81 EUR|
|Currency exchange fee, when transaction currency is not EUR||2.50% of the amount|
|Total amount of cash withdrawal operations and payments for goods (per day)||EUR 1500|
|Number of cash withdrawal operations and payments for goods (per day)||unlimited|
A cash withdrawal or payment transaction performed is not deducted from the used day limit before 25 hours from execution thereof.