Pricing

Resident Non-Resident
Bank account
Opening bank account Free
Monthly admin Free
Closing bank account Free
Online account statement      Free
Account statement at a branch (1 statement/year is free) €5
   
Keeping EUR balances (% per annum)1 50% ECB deposit facility rate
   
Keeping EUR balances in the account (the fee is calculated
for all client's funds exceeding €1,000,000.00)2
0,5% / 360 d. (effective - 2021.04.01)
   
Inactive account service fee3 €1 / month (effective - 2021.04.01)

 

1The fee is applied when the total amount of the client's account balances exceeds €1,000,000.00. The fee for the previous calendar month is debited by the 10th day of the next calendar month. If the interest rate applied by the ECB is 0 or positive, no fee is charged.

2The fee is calculated if the sum of all client's account balances at the end of each calendar day exceeds the specified limit. The fee is calculated at the end of each day: the total balance of the accounts that exceeds the set limit, multiplied by the absolute value of the corresponding amount in the table. The amount of tax calculated for the previous month is deducted by the 15th day of the next calendar month.

3An inactive account is a bank account in which no payment transaction (including initiated payments or received payments) has been executed for more than 12 months. The fee is not applied to customers who hold a term / cumulative deposit with the Bank or have a loan.

Online payments

Incoming payments

Payments within mano.bank   Free
Eurozone payments (SEPA)   Free
International payments                                                            €5
Return of SEPA payments    €20
Cancellation, refund, or an adjustment of an incoming international payment (currency exchange can’t be cancelled)   €50 + foreign bank fees

Outgoing payments

Payments within mano.bank   Free
Eurozone payments (SEPA)   Free
International payments in EUR, USD, SGD, HKD, CAD, MXN   €20
International payments in GBP, CZK   €10
International payments in PLN, DKK, SEK, NOK         €5
Forced write-off   €2
SEPA outgoing payment cancellation and investigation at the Customer's request and refund of the SEPA payment to the sender's bank       €20
International payment cancellation or editing (currency exchange can’t be cancelled)   €50 + receiving bank fees


All international payments are made on a SHA (shared charges) basis: payer - you pay mano.bank's fees and payee - receiving party pays fees charged by the payee’s bank. So payee will receive payment minus all fees charged by intermediary banks.

Payments at a branch

Outgoing payments

Payments within mano.bank   €2
Eurozone payments (SEPA)   €2
     
International payments made at the Bank's branch1 (fee type - SHA):    
EUR, USD, SGD, HKD, CAD, MXN   €30
PLN, DKK, NOK, SEK, GBP, CZK   €20
International payment cancellation or editing (currency exchange can’t be cancelled)   €50 + receiving bank fees


1Payments submitted to the Bank by 2.00 pm on a Banking Day are executed on the same day. Payments submitted after 14.00 are executed on the next Bank business day.

 

Term deposit
Term
Interest
From 1 month     0,10%
From 3 months   0,30%
From 6 months 0,50%
From 9 months 1,00%
From 12 months 1,40%
From 18 months 1,50%
From 24 months 1,90%
From 36 months 2,10%
From 48 months 2,20%
60 months 2,40%

The minimum term deposit amount is €500.

Seniors and loyal customers are subject to a 0.02% higher interest rate.

Choosing to get your interest paid out more often than every 6 months will decrease the interest rate by 0.2%.

Confirmations, certificates and other information
Copy of international payment or SWIFT transfer €15
Confirmation of additional payment transaction €2
Investigation of international payment transfer execution €20
Declaration of income and assets Free
Other certificates €15
Reports for external auditors €50
Cash operations
Withdrawal at a branch 0.8% (min. €2)1
Cash deposit at a branch when the amount is equal to or does not exceed €8 000/day €22
Cash deposit at a branch of €8 000/day or more 0.05%2

1Cash withdrawal fee is not applied to term deposit agreements signed before 2018.03.14.

2The fee is not applied in case cash is deposited under a term deposit agreement.

Credit agreements
Credit agreement 1% min. €300
Agreement modification 0.5% min. €200
Commitment fee From 0.8% (from used credit amount)
Real estate survey and assessment of target credit utilisation €180
Periodic valuation of mortgaged property by the Bank €50/piece
Valuation of mortgaged property by independent officer Depends on their fees
Consent to subordinated pledge Min. €150
Early repayment Not applicable on days of changing the variable interest rate, on other days, max. 3% of the repayable credit
Refinancing Not applicable on days of changing the variable interest rate, on other days, max. 3% of the repayable credit
Monthly admin fee €5
Credit disbursement1 €5
Change of the date of payment of contributions and / or interest €30
Issuance of letters, consents €40
Release of mortgage/pledge €50
Interest on late payments Max. 0,05%/d., SMs and written reminders included

1Credit disbursement fee is only applicable for credits that are paid out in separate installments.

Consumer loans
Interest rates 7% - 48%1
Online loan agreement 0%
Loan agreement at a branch 1% - 8%1
Monthly admin 3% of credit value split across loan period (min €7/month)*
Agreement modification From €30
Term extension €30
Early repayment Free
Change of payment day €30
Provisional clearance €30
Interest on late payments Max 0.05%/day

1APRC must not exceed 100%.

Bank account
Opening bank account €100
Customer data check (KYC procedure) €200
Monthly admin Free
Closing bank account Free
Online account statement      Free
Account statement at a branch (1 statement/year is free) €5
   
Keeping EUR balances (% per annum)1 50% ECB deposit facility rate
   
Keeping EUR balances in the account (the fee is calculated
for all client's funds exceeding €1,000,000.00)2
0,5% / 360 d. (effective - 2021.04.01)
   
Inactive account service fee3 €1 / month (effective - 2021.04.01)

 

1The fee is applied when the total amount of the client's account balances exceeds €1,000,000.00. The fee for the previous calendar month is debited by the 10th day of the next calendar month. If the interest rate applied by the ECB is 0 or positive, no fee is charged.

2The fee is calculated if the sum of all client's account balances at the end of each calendar day exceeds the specified limit. The fee is calculated at the end of each day: the total balance of the accounts that exceeds the set limit, multiplied by the absolute value of the corresponding amount in the table. The amount of tax calculated for the previous month is deducted by the 15th day of the next calendar month.

3An inactive account is a bank account in which no payment transaction (including initiated payments or received payments) has been executed for more than 12 months. The fee is not applied to customers who hold a term / cumulative deposit with the Bank or have a loan.

 

Online payments

Incoming payments

Payments within mano.bank   Free
Eurozone payments (SEPA)   Free
International payments                                                            €5
Return of SEPA payment   €20
Cancellation, refund, or an adjustment of an incoming international payment (currency exchange can’t be cancelled)   €50 + foreign bank fees

Outgoing payments

Payments within mano.bank   Free
Eurozone payments (SEPA)   Free
International payments in EUR, USD, SGD, HKD, CAD, MXN   €20
International payments in GBP, CZK   €10
International payments in PLN, DKK, SEK, NOK         €5
Forced write-off   €2
SEPA outgoing payment cancellation and investigation at the Customer's request and refund of the SEPA payment to the sender's bank       €20
International payment cancellation or editing (currency exchange can’t be cancelled)   €50 + receiving bank fees


All international payments are made on a SHA (shared charges) basis: payer - you pay mano.bank's fees and payee - receiving party pays fees charged by the payee’s bank. So payee will receive payment minus all fees charged by intermediary banks.

Payments at a branch

Outgoing payments

Payments within mano.bank   €2
Eurozone payments (SEPA)   €2
     
International payments made at the Bank's branch1 (fee type - SHA):    
EUR, USD, SGD, HKD, CAD, MXN   €30
PLN, DKK, NOK, SEK, GBP, CZK   €20
International payment cancellation or editing (currency exchange can’t be cancelled)   €50 + receiving bank fees


1Payments submitted to the Bank by 2.00 pm on a Banking Day are executed on the same day. Payments submitted after 14.00 are executed on the next Bank business day.

 

Term deposit
Term
Interest
From 1 month     0,10%
From 3 months   0,30%
From 6 months 0,50%
From 9 months 1,00%
From 12 months 1,40%
From 18 months 1,50%
From 24 months 1,90%
From 36 months 2,10%
From 48 months 2,20%
60 months 2,40%

The minimum term deposit amount is €500.

Seniors and loyal customers are subject to a 0.02% higher interest rate.

Choosing to get your interest paid out more often than every 6 months will decrease the interest rate by 0.2%.

Confirmations, certificates and other information

                                                                                                                                                                                                                                                                         

Copy of international payment or SWIFT transfer €15
Confirmation of additional payment transaction €2
Investigation of international payment transfer execution €20
Declaration of income and assets Free
Other certificates €15
Reports for external auditors €50
Cash operations
Withdrawal at a branch 0.8% (min. €2)1
Cash deposit at a branch when the amount is equal to or does not exceed €8 000/day €22
Cash deposit at a branch of €8 000/day or more 0.05%2

1The cash withdrawal fee is not applied to term deposits agreements signed before 2018.03.14.

2The fee is not applied in case cash is deposited under a term deposit agreement.

Credit agreements
Credit agreement 1% min. €300
Agreement modification 0.5% min. €200
Commitment fee From 0.8% (from used credit amount)
Real estate survey and assessment of target credit utilisation €180
Periodic valuation of mortgaged property by the Bank €50/piece
Valuation of mortgaged property by an independent officer Depends on their fees
Consent to subordinated pledge Min. €150
Early repayment Not applicable on days of changing the variable interest rate, on other days, max. 3% of the repayable credit
Refinancing Not applicable on days of changing the variable interest rate, on other days, max. 3% of the repayable credit
Monthly admin fee €5
Credit disbursement1 €5
Change of the date of payment of contributions and / or interest €30
Issuance of letters, consents €40
Release of mortgage/pledge €50
Interest on late payments Max. 0,05%/d., SMs and written reminders included

1Credit disbursement fee is only applicable for credits that are paid out in separate installments.

Consumer loans
Interest rates 7% - 48%*
Online loan agreement 0%
Loan agreement at a branch 1% - 8%*
Monthly admin 3% of credit value split across loan period (min €7/month)*
Agreement modification From €30
Term extension €30
Early repayment Free
Change of payment day €30
Provisional clearance €30
Interest on late payments Max 0.05%/day

*APRC must not exceed 100%

We're using cookies to help you with browsing experience. If you press AGREE or continue browsing, you agree with our cookies policy.