Pricing
| 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.
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.
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 |
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%.
| 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 |
| 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 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.
| 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%.
