FAQ

You can open a bank account by submitting your application and documents remotely or by visiting the bank’s customer service department at: S. Moniuškos g. 27, Vilnius, Lithuania.

To submit your application and documents remotely, please click here.

To open a bank account, companies registered in Lithuania need to fill in an online form, have it signed by the company’s manager or an authorised person and submit it to the bank.

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To open a bank account, companies registered abroad need to fill in an online form have it signed by the company’s manager or an authorised person and submit it to the bank. When completing the form, you must provide:

• an extract from the official register of companies, no older than 3 months;
• an extract from the official register of shareholders, no older than 3 months;
• an extract from the register of beneficiaries*, if such a register is established in the client’s country of registration, no older than 3 months;
• the articles of association of the legal entity;
• the contract or deed establishing the legal entity;
• identity document of the manager or authorised person of the legal entity;
• power of attorney or proxy if the company is represented by an authorised person;
• the structure of the shareholders of the legal entity, signed by the manager or an authorised person;
• the decision appointing the director, if this information is not included in the extracts from the register;
• copies of the identity documents of the members of the board, if the board is established and if this information is not included in the extracts of the register;
• financial statements for the last fiscal year;
• power of attorney for representation of legal entities (draft of the document).

Documents are accepted only in Lithuanian or English and must be apostilled.

* Beneficiary: a natural person holding more than 25% of the shares or voting rights.

Opening an account with a financial institution or a gambling service provider, or companies providing gambling-related services, requires the submission of additional documentation relating to the relevant activity. A detailed list of documents and information is provided at the time of opening the account.

The list of countries and territories whose residents are not allowed to open accounts is set out in the List of Prohibited Activities.

We do not provide services to customers engaged in activities listed in the Prohibited Activities List.

Full details of deposit insurance conditions, including cases where deposits are not covered, can be found here.

The following methods of identification are used:

• Smart-ID: a qualified Smart-ID account is required. More information is available [here].
• Mobile electronic signature issued in Lithuania, Latvia or Estonia.
• Electronic live video verification.

Please inform customer service immediately at support@mano.bank. The information letter must be sent from the email address currently registered in the bank’s system.

Please contact customer service at support@mano.bank. The information letter must be sent from the email address currently registered in the bank’s systems.

Please contact customer service at support@mano.bank. The information letter must be sent from an email address registered in the bank’s systems.

Please contact customer service at support@mano.bank. The information letter must be sent from an email address registered in the bank’s systems.

The following currencies are available for holding funds and sending payments: AUD, CAD, CHF, DKK, EUR, GBP, NOK, PLN, SEK, USD, but you can receive payments only in EUR.

The updated mano.bank online system allows for remote customer service—customers can submit or update their information by filling out applications in their profile.
If your company is already a mano.bank customer but has not yet used the updated system, the company’s legal representative or an authorized person will need to select “Forgot Password”, confirm the one-time code sent to the previously verified email address, and use this method to access the self-service profile (https://account.mano.bank/lt).

Steps to Update the Application:
1. Log in to “My documents” section using your email address and password.
2. Select “Applications” in the top navigation menu.
3. Click “Edit” on the company’s legal entity data update application and begin filling it out.
4. Answer all the questions displayed on the screen at each step.
5. Submit the application by verifying your identity remotely by providing a photo of your ID and a selfie.
6. Submit the application for review.
If you have any questions, please contact support@mano.bank.

Currently, incoming payments are only accepted in euros. Other currencies are available only for outgoing payments.

You can send payments in the following currencies: AUD, CAD, CHF, DKK, EUR, GBP, NOK, PLN, SEK, USD.

Outgoing and incoming payments are not executed if the payment involves certain countries and territories.
The list of countries and territories in which payments are withheld is set out in the List of Prohibited Activities.

Outgoing and incoming payments are not executed if the payment involves certain countries and territories.
The list of countries and territories in which payments are withheld is set out in the List of Prohibited Activities.

It is currently possible to buy the currencies listed below with euros or to buy euros with the currencies listed below.
Currencies: AUD, CAD, CHF, DKK, GBP, NOK, PLN, SEK, USD.

You can’t, currency exchange operations are carried out via the online bank.

Typical time limits for receiving payment funds:

• In the case of SEPA instant payments, the funds are normally credited to the beneficiary’s account at the financial institution within seconds. These payments are made 24 hours a day, every day of the year, including weekends and public holidays.
• In the case of SEPA regular payments, the funds are normally credited to the beneficiary’s account with the financial institution on the same working day if the payment order is submitted to us before 12:00 p.m. These payments are only available on working days.
• In the case of a SWIFT payment, the funds are normally credited to an account opened with the beneficiary’s financial institution within 4 working days, but the time limit varies depending on the terms of service of the beneficiary’s financial institution and correspondent banks. These payments are only available on working days.

The bank shall credit the client’s bank account within the following time limits:

• In the case of SEPA instant payments, the funds are normally credited to the client’s bank account within a few seconds. These payments are made 24 hours a day, every day of the year, including weekends and public holidays.
• In the case of a SWIFT or SEPA usual payment, funds are normally credited to the client’s bank account on the same business day if the funds are received by the bank before 4:00 p.m. These payments are only available on working days.

1. In Internet bank. Send us the following details needed to recall the payment via an Internet bank message: recipient, amount, date, unique payment number (Reference No.). You can find the Reference No. in the Internet bank by selecting the bank account and clicking on “Statement.”
2. Via e-mail. Send a payment revocation request from your registered email to support@mano.bank, providing the following details: recipient, amount, date, Reference No.
3. At the bank branch. Visit the bank branch located at S. Moniuškos str. 27, LT-08115, Vilnius, and fill out a request form.
4. By phone. Call us +370 5 240 9389 and receive consultation on how to recall the payment in a way that is convenient for you.

A fee is charged for recalling a payment, regardless of whether the funds are returned, as specified in the Fees for business clients.

If the funds have already been credited to the beneficiary or the payment has been sent to the beneficiary’s bank, the funds can only be returned with the beneficiary’s consent.

Typically, the beneficiary’s response regarding consent or refusal to return the funds is received within 15 business days, but this may take longer in the case of an international payment.

Starting from 5 October 2025, the Verification of Payee will be introduced to provide clients with greater security when making instant and SEPA payments and to help ensure that money is transferred to the correct recipient.

This functionality:

• will help protect against fraud, where payers are deceived into transferring funds to fraudsters impersonating other individuals or companies;
• is provided free of charge to all clients;
• will be carried out when making individual payments via internet banking, bank branches, and API integration.

When you initiate a new transfer to another client’s account, the system will compare the Payee Name you entered with the Payee Name registered in the recipient’s payment service provider’s systems. After the verification, you will see one of four possible messages on the screen:

1. The Payee Name and account match.
   You will receive confirmation that the Payee Name matches the name of the account holder of the account you entered.
2. The Payee Name and account partially match.
   The Payee Name you entered partially matches the name of the account holder of the account you entered. In this case, we will provide you with the correct Payee Name. If you believe that the provided details are incorrect, we recommend that you do not confirm the transfer and verify the information with the recipient.
3. The Payee Name and account do not match.
   The Payee Name you entered does not match the name of the account holder of the account you entered. Therefore, if you confirm the payment, the funds may be transferred to an account that does not belong to your indicated recipient. We recommend that you do not proceed with the payment. If you still decide to continue and confirm the payment, it will be executed at your own risk – if the funds are transferred to the wrong recipient, AB “Mano bankas” will not compensate you for any related losses.
4. The Payee Name could not be verified.
   We are unable to check whether the account you entered belongs to the recipient you specified (the recipient’s bank did not provide details of the account holder). If you decide to continue and confirm the payment, it will be executed at your own risk – if the funds are transferred to the wrong recipient, AB “Mano bankas” will not compensate you for any related losses.

For business clients, we recommend preparing for a smooth transition to this functionality:

• check whether the name indicated on your issued invoices matches the name registered with Mano Bank;

• check whether the Payee Name entered in your payment templates is correct and matches the information received from the payee.

Please note: if you have entered into or plan to enter into a new standing order agreement, the Verification of Payee will be performed when executing the first payment. For subsequent standing order payments, the verification will not be repeated.

Please contact customer service at support@mano.bank. The information letter must be sent from an email address registered in the bank’s systems.

When submitting a payment order via online bank, you can additionally attach documents related to the payments.
If you forget to do so, you can always provide us with additional documents by sending us a message via our online bank.

Please contact customer service at support@mano.bank. The information letter must be sent from an email address registered in the bank’s systems.

To block your access to the online bank immediately, please call +370 5 240 9389.

Please contact customer service at support@mano.bank. The information letter must be sent from an email address registered in the bank’s systems.

To increase your online banking limits, you need to submit a request through the company’s application by following these steps:

1.Visit our website at www.mano.bank.
2. Select the menu item “My Documents.”
3. Enter the requested information and your authentication code.
4. Click on your displayed name and surname, then select the company name.
5. Choose “Users” → “Edit Users” → “Edit.”

Once we receive your completed request and update your online banking limits, we will upload a new agreement for you to sign.

You can review the contract on the Mano Bank website under My Documents > Contracts. The identification code can be found in the Electronic Services Agreement signed with the bank, under the User Number section.

Currently, we only issue loans secured by collateral. The collateral can be real estate or movable property, a surety or a guarantee from ILTE or EIF.

If an ILTE or EIF guarantee is used, the portion of the loan not covered by the guarantee must still be secured by a mortgage, by a collateral pledge of immovable property or other assets acceptable to the bank.

The ILTE individual guarantee helps businesses access investment or working capital loans when they lack sufficient collateral.

ILTE guarantee is intended for SMEs and large companies.
Covers up to 80% of the total loan amount, subject to the following limits:

• SMEs: up to €5 million.
• Large companies: up to €1.5 million.
• Road haulage activities (for hire or reward): up to €750,000.

If multiple guarantees are obtained, the combined total cannot exceed €10 million.
Partial interest reimbursement is available for loans covered by the ILTE guarantee.

ILTE decides on the granting of the guarantee individually in each case. Upon receipt of Mano Bank’s approval for the provision of financing, we shall apply for an individual guarantee to ILTE on your behalf – you do not have to do anything.

You can find out more about the individual guarantees on the ILTE website: Individual guarantees for loans | ILTE and  Individual guarantees for large companies | ILTE 

The European Investment Fund (EIF) is the main implementing partner of the InvestEU Fund, providing support to small and medium-sized enterprises (SMEs) to increase the competitiveness of Lithuanian and European businesses, accelerate economic and social development of the EU, promote private sector investments in the European Green Deal, and help overcome the economic fallout of the pandemic.

We provide loans backed by the guarantees of the EIF under three areas of the InvestEU program: loans aimed at strengthening the competitiveness of small and medium-sized enterprises, sustainability loans, and loans to companies operating in the culture and creative sectors.

Basic conditions:

• Guarantee rate: up to 70% of the loan balance
• Financing of working capital and investments in fixed assets
• Maximum amount to be financed: from €50,000 up to €7.5 million
• Loan term: up to 12 years for investment loans and up to 4 years for working capital loans or credit lines

More information: Guarantees | Accounts, payments, financing | Mano Bank

Latest loan issuance date: 16 July 2027

In most cases up to a week, depending on how quickly and efficiently you can provide required documents (detailed financial reports, business plan, description of experience, information about shareholders etc.).

The loan proceeds are disbursed upon signing the agreement, providing the collateral provided for in the agreement and fulfilling other conditions set out in the agreement.

• Filled out loan application
• General manager’s national identity document
• Business incorporation documents
• Financial reports for the last 2 years
• Real estate evaluation (if applying with mortgage)
• Other documents depending on individual project

The size and term of the loan depends on the cash flows, the purpose of the loan and the collateral.

We provide loans for a wide range of businesses, but the company must be registered in Lithuania.

Yes. We also want to contribute to non-standard ideas, so please fill in the application form and we will contact you.

The bank finances commercial and passenger cars, trailers, agricultural and construction machinery, and a wide range of equipment and facilities.

Property can be either new or used.

The seller of the leased property may be any legal entity registered in Lithuania, as well as a natural person resident in Lithuania.

The property must comply with the specification and technical condition set out in the seller’s Commercial Offer. The bank has the right to request documents confirming this.

The property acquired through leasing must also be insured for the benefit of the bank for the entire duration of the leasing contract.

Vehicles must not be older than 15 years at the end of the lease term.

• Completed leasing applications
• A commercial offer signed by the seller of the property containing detailed information on the property to be purchased
• Financial reports for the last 2 years

In individual cases, the bank may ask for additional documents depending on the specifics of your business or the property you are buying.

In this case, we offer a leaseback service.

Acquire the property with your own funds or with another short-term loan product and sell it to the Bank through a leaseback.

Yes, you can.

If you want to pay off your lease early, you will need to make a request by email at support@mano.bank.
We will send you the buyback details upon your request.

Please note that there is a buyback fee defined in the general part of the Leasing Agreement.

We do not, and currently only provide card payment services for online shops.

The cost of the card payment settlement service is determined on a case-by-case basis, depending on the volume of card payments, the region, the types of cards, the card payment technology solution, etc.

To receive an offer, please contact our Customer Service Department at support@mano.bank or your account manager.

Funds from card payments are credited to your Mano Bank current account.
The seller is always credited in euros, regardless of the currency in which the cardholder paid.

• If you already have a Mano Bank account, simply log in to internet banking and go to “Deposits and Loans” then “Deposit Creation” to open a deposit quickly and easily.
• If you are a new client, fill out the deposit application online without leaving your home.
• You can also sign a fixed-term deposit agreement at the Mano Bank headquarters at S. Moniuškos St. 27, Vilnius.
• Funds for the fixed-term deposit can be transferred via bank transfer.

*Fixed-term deposits can only be created after topping up your current account and ensuring the sufficient funds are available.

You can withdraw the interest accrued on the next business day after the deposit agreement ends. For example, if your agreement expires on 3 November 2022, you can withdraw interest on 4 November.

You can transfer the interest accrued to your Mano Bank account or any other bank.

You can terminate the contract at any time; however, in this case, the accrued interest will not be paid out, and you will only receive the initially deposited amount.

You can terminate a fixed-term deposit via internet banking by clicking on your fixed-term deposit agreement and selecting “Terminate Deposit.” Alternatively, you can visit the bank branch at S. Moniuškos St. 27, Vilnius.

You can deposit money into your Mano Bank deposit only in non-cash form:

• Make a bank transfer from any other financial institution.
• Open an account with Mano Bank and make a deposit using online banking.