Changes

Current account

- The new Standard Terms and Conditions of the Current Account Agreement will take effect on 1 April 2018. These terms and conditions include editorial changes, i.e. a revised list of documents for a person who is granted the right to manage the customer’s bank account.
- No early action is needed. The updated conditions will automatically enter into force on 1 April 2018.
New documents applicable from 1 April 2018
- Standard Terms and Conditions of the Current Account Agreement (pdf)
Documents valid until 31 March 2018
- Standard Terms and Conditions of the Current Account Agreement (pdf)

Payments

- Payments between accounts with Danske Bank in Lithuania, Latvia and Estonia will be made immediately.
- You will be able to conclude Sweeping/ Topping agreements between accounts with Danske Bank in Lithuania as well as in Latvia and Estonia.
- No payments will be made in Belarusian roubles (BYN). If you have an account in Belarusian roubles, the funds will be converted into euros. The currency conversion will be subject to the exchange rate applied by the bank on 30 March 2018.
- International payments to any bank registered in the European Economic Area in any currency will only be made with the charge SHA, where the payer pays a Danske Bank fee for the international payment order and the payee pays the beneficiary bank fees.
- When making international payments to banks registered outside the European Economic Area and choosing the charge OUR, both fees – the fixed fee of Danske Bank and of the beneficiary bank – will be debited from the payer’s account immediately. Before, when choosing this payment, the foreign bank’s fee was only debited after receiving the funds, and this fee was not fixed.
- Standard Terms and Conditions for Provision of Payment Services establish that the maximum liability of the consumer for any losses incurred in respect of unauthorised payment transactions is limited to EUR 50.
- Consumer protection provisions related to unauthorised payment transactions will have a wider scope, including natural persons engaged in economic or professional activities.
- As of 1 April 2018, the following payment-related documents and contractual terms will be subject to changes:
  - The updated Standard Terms and Conditions for the Provision of Payment Services, governing the changes above.
  - The updated Terms and Conditions of the E-Invoice Sending Service for the Payers will become the Standard Terms and Conditions of the E-Invoice Receiving Service.
  - The updated Terms and Conditions of E-Invoice Automatic Payment Service will become the Standard Terms and Conditions of the E-Invoice Automatic Payment Service Agreement.
  - The General Part of the Terms and Conditions of the Standing Order Agreement will be replaced by the Standard Terms and Conditions of the Standing Order Agreement.
  All of the documents above are recast, so make sure you read them carefully.
- From 1 April 2018, refrain from submitting international payment orders to the bank in foreign currency in Europe with the charge OUR and BEN. Payments of this type may be not made.
- No early action regarding the amendments to agreements is needed. The new documents and terms and conditions will automatically come into force on 1 April 2018.
New documents applicable from 1 April 2018
Documents valid until 31 March 2018

Payment cards

- As of 1 April 2018, your payment card will be subject to the updated Standard Terms and Conditions of the Payment Card Agreement. The new document will introduce the following main changes to payment cards -related services offered by the bank:
  - Stricter requirements related to the identification of the card holder and the authentication of the payment transaction during its execution.
  - New regulation for payment transactions, the amount of which is not known in advance.
  - Business customers will be informed about changes to or termination of the payment agreement or its terms and conditions 60 days in advance (before it was a 30-day notice period).
  - The maximum liability of the consumer for any losses incurred in relation to unauthorised payment transactions will reduce from EUR 150 to EUR 50.
  - Consumer protection provisions related to unauthorised payment transactions will have a wider scope, including natural persons engaged in economic or professional activities.
  - The document is recast, so make sure you read it carefully.
- On the weekend of changes – from the evening of 30 March 2018 to the morning of 2 April 2018 – card account balance checking and cash deposit transactions in ATMs and Perlas terminals will be temporarily limited. However, you will be able to pay by payment card in points of sale and cash at AMTs and Perlas terminals without interruption.
- No early action is needed. The updated conditions will automatically enter into force on 1 April 2018.
New documents applicable from 1 April 2018
- Standard Terms and Conditions of the Payment Card Agreement (pdf)
Documents valid until 31 March 2018
- Standard Terms and Conditions of the Payment Card Agreement (pdf)

Electronic banking

- As of 1 April 2018, the terms and conditions applicable to all electronic services offered by Danske Bank will be set forth in a new document – the Standard Terms and Conditions of the Electronic Services Agreement. This document will replace:
  - Standard Terms and Conditions of Danske eBank Agreement.
  - Rules for Using Danske eBank.
  - Standard Terms and Conditions of Danske SMS Bank Agreement.
  - General Part of the Provision of the Phone Authentication Service.
This means that the documents listed above will no longer be applicable. Instead, the Standard Terms and Conditions of the Electronic Services Agreement will apply.
- The Danske SMS service will become Danske SMS messages:
  - The service Danske SMS messages will be governed by the Standard Terms and Conditions of the Electronic Services Agreement.
  - As of 1 April 2018, Standard Terms and Conditions of Danske SMS Bank Agreement concluded with customers will be terminated and the Instruction for Using of SMS Bank will be invalid.
  - You will only be able to order and manage messages about movements of funds in your accounts via Danske eBank. Subscriptions made by 1 April 2018 will remain valid and will require no updates.
  - You will not be able to initiate transactions by sending SMS messages to the bank, for example, to check your account balance, make a payment between your accounts or block a payment card. However, you will still be able to perform these actions using the bank’s application Danske mBank.
- The term, during which the system waits for the funds, will be changed from 1 April, 2018. If “Wait for Funds” is marked, during initiating of payment order, the payment will be postponed for 7 calendar days until account balance becomes sufficient to execute given payment order, after that the payment will be rejected.
- From 1 April 2018 Danske Click and Authorisation Gates offered to business customers will become one service, called Danske Bank Link. This change will have no effect on the existing agreements with business customers. However, please note that fees for the services above will be renamed as Danske Bank Link service fees in the Price List.
- Business customers will have updated Danske Bank rules for using the ISO 20022 standard data format. The changes are related to the newly supported structural elements and their processing. Balance codes OPAV and CLAV will no longer be used in statements. You can read the new rules that apply from 1 April 2018 here. For more detailed information, please contact your service manager.
- On the weekend of changes – from the evening of 30 March 2018 to the morning of 2 April 2018 – Danske Bank will be upgrading its information systems, therefore Danske eBank and Danske mBank services will not be available, you will not be able to pay in electronic shops using funds in your account (Danske Click) or connect to other external systems (such as SoDra or State Tax Inspectorate). We will remind you about this additionally.
- No early action is needed. The Standard Terms and Conditions of the Electronic Services Agreement will automatically enter into force on 1 April 2018.
New documents applicable from 1 April 2018
- Standard Terms and Conditions of the Electronic Services Agreement (pdf)
- ISO 20022 Customer-to-Bank messages usage guidelines
Documents valid until 31 March 2018

Pricelist

The Danske Bank price list will be updated on 1 April 2018 for private and business customers. The key changes related to rates are as follows:

After the service merger, the names of services offered by the bank in Lithuania, Latvia and Estonia will be harmonised and therefore some services in the Price List will have different names.
Danske Bank fees for investment services and cards for private and business customers will be available in a general price list for private and business customers.
Fees for certain services offered by the bank will change. Please take a closer look at the main changes of fees values:

Changes for private customers

Fee name	Fee until 31 March 2018	Fee from 1 April 2018
Accounts
Account statement issued in the Business Centre	5,00 EUR for each month (statement of account for current and previous calendar month - for free)	5,00 EUR for each month, max 30,00 EUR (Statement of account for current and previous calendar month - for free). In case of termination of the payment account agreement, account statement for period of last 36 months is issued in any Business Centre free of charge.
Electronic channels
Issuance of PIN Generator	10,14 EUR	15,00 EUR
Payments
Domestic Urgent Payment via electronic channels	30,00 EUR	7,50 EUR
Domestic Urgent Payment at Business Centres	34,00 EUR	15,00 EUR
Payee’s bank fee for foreign payment with type of service fee “payment in full”	actual costs	16,00 EUR
Revocation of payment on the business day if the payment has not been transferred by the Bank: foreign payment	8,69 EUR	9,00 EUR
Revocation of payment if the payment has already been transferred by the Bank:
- Domestic Payment, EU payment	2,90 EUR + actual costs	10,00 EUR + actual costs
- Foreign Payment	43,44 EUR + actual costs	44,00 EUR + actual costs
Amendment of payment if the payment has not been transferred by the Bank: foreign payment	8,69 EUR	9,00 EUR
Amendment of payment if the payment has already been transferred by the Bank:
- Domestic Payment, EU Payment	2,90 EUR	10.00 EUR
- Foreign Payment	43,44 EUR + actual costs	44,00 EUR + actual costs
Query about a Domestic Payment, confirmation on the execution of a payment	2,9 EUR	10.00 EUR
Query to a foreign bank, confirmation on the execution of a Foreign Payment	43,44 EUR	44.00 EUR
Investigation of payment older than 6 months:
- Domestic Payment, EU Payment	14,48 EUR	15.00 EUR
- Foreign Payment	43,44 EUR + actual costs	44,00 EUR + actual costs
Confirmation by the Bank of a completed payment order	5,79 EUR (for confirmation)	6,00 EUR (for confirmation)
Issuance of a SWIFT copy of a completed payment performed within 6 months	17,38 EUR (for copy)	10,00 EUR (for copy)
Additional service fee for an foreign payment in case the payee’s IBAN or BIC is incorrect or not indicated	8,69 EUR	9,00 EUR
Cash transactions
Revocation of an advance cash order	0,1% of the amount (not more than 289.62 EUR)	0,1% of the amount (not more than 300,00 EUR)
Other services
Forwarding of documents with the courier	5,79 EUR and courier service fees	6,00 EUR and courier service fees
Payment cards
Card delivery by courier abroad	115,85 EUR	115,00 EUR
Fee for changing cards operation limits via Danske eBank	2,90 EUR	Free of charge
Obtaining a copy of payment document for local transaction	4,34 EUR	4,00 EUR
Obtaining a copy of the payment document from abroad	11,58 EUR	12,00 EUR
Obtaining of a foreign document (car rental, hotel accommodation or airplane tickets, reservation documents, etc.)	34,75 EUR	Fee as for "Obtaining a copy of the payment document from abroad"
Fine for illegal use of the card (for credit cards)	not applicable	100,00 EUR
Investment
Transfer of the owner account with the Nasdaq CSD to another custodian	not applicable	15,00 EUR
Monthly fee for empty owner account with the Nasdaq CSD	not applicable	6,50 EUR
Fee for owner account opened in Nasdaq CSD	not applicable	0,003% of the amount, min 10,00 EUR
The financial instruments transaction based on a corporate action notification (fee applies for investors participating in voluntary corporate actions of foreign companies)	0.2% of the amount	0,1% of sum + 6,50 EUR, max 500,00 EUR

Changes for legal customers

Fee name	Fee until 31 March 2018		Fee from 1 April 2018
Accounts
Account statement issued in the Business Centre	5,00 EUR for each month (statement of account for current and previous calendar month - for free)		5,00 EUR for each month, max 30,00 EUR (Statement of account for current and previous calendar month - for free). In case of termination of the payment account agreement, account statement for period of last 36 months is issued in any Business Centre free of charge.
Cash management
Cash pool zero balancing
Agreement conclusion	By agreement, min 144,81 EUR		By agreement, min 150,00 EUR
Monthly service fee	57,92 EUR		60,00 EUR
Agreement amendment	86,89 EUR		90,00 EUR
Fee for currency limit activation	28,96 EUR		not applicable
Automated Cash Concentration to Danske Bank Group bank's customers:
Conclusion of the agreement on the use of the Automated Cash Concentration service	57,92 EUR		60,00 EUR
Monthly service fee	28,96 EUR		30,00 EUR
Amendment fee for changing the agreement	28,96 EUR		30,00 EUR
Automated Cash Concentration to other bank's customers:
Conclusion of the agreement on the use of the Automated Cash Concentration service	57,92 EUR		60,00 EUR
Monthly service fee	43,44 EUR		45,00 EUR
Amendment fee for changing the agreement	28,96 EUR		30,00 EUR
Amendment fee for changing of Sweeping or Topping agreement	28,96 EUR		30,00 EUR
Management of account opened with Danske Bank via Foreign Bank	Danske Bank Group bank's customers	Other bank's customers	Danske Bank Group bank's customers	Other bank's customers
Conclusion of the agreement on the use of the account statement (SWIFT MT940) sending service (applied for each account)	free of charge	144,81 EUR	30,00 EUR	145,00 EUR
Conclusion of the agreement on the use of the request for transfer (SWIFT MT101) service (applied for each account)	free of charge	free of charge	30,00 EUR	30,00 EUR
Sending of an account statement of a single banking day (SWIFT MT940)	free of charge	5,79 EUR for each statement or fixed monthly fees by agreement/for account	free of charge	90,00 EUR per month for each account or 5,00 EUR for statement
Sending of an interim transaction report (SWIFT MT942)	free of charge	5,79 EUR for each statement or fixed monthly fees by agreement/for account	free of charge	90,00 EUR per month for each account or 5,00 EUR for statement
Amendment fee for changing the Danske Bank account management service	28,96 EUR	28,96 EUR	30,00 EUR	30,00 EUR
Fee for "manual processing of the payment order (MT101) received via SWIFT system (the fee is applied if the recipient’s bank information or recipient’s information is specified incorrectly in the payment order)" is moved to " Other services related to payments"
Foreign account management via Danske Bank:	Danske Bank Group bank's customers	Other bank's customers	Danske Bank Group bank's customers	Other bank's customers
Conclusion of the agreement on the use of the service via Danske eBank	free of charge	free of charge	50,00 EUR	300,00 EUR
Transferring of a foreign account statement (MT940) and/or interim transaction report (SWIFT MT942) to the customer via Danske eBank	289,62 EUR one-time fee or 14,48 EUR per module	579,24 EUR one-time fee or 28,96 EUR per module	free of charge	30,00 EUR per month for each account
Forwarding of a request for transfer (SWIFT MT101) initiated in Danske eBank to a foreign bank			30,00 EUR per month for each account	30,00 EUR per month for each account
Amendment fee for changing the agreement of foreign account management in Danske Bank	28,96 EUR	28,96 EUR	30,00 EUR	30,00 EUR
Electronic channels
Issuance of PIN Generator	10,14 EUR		15,00 EUR
Danske LiveGate:
Agreement conclusion	144,81 EUR		100.00 EUR
Monthly service	34,75 EUR		50.00 EUR
Agreement amendment	28,96 EUR		free of charge
Danske Bank Link:
Agreement conclusion:
Payment service is chosen by the Customer	72,41 EUR		75.00 EUR
Authentication service is chosen by the Customer	144,81 EUR + VAT		180,00 EUR (VAT is included to the service fee)
Payments
Domestic Urgent Payment via electronic channels	30,00 EUR		7,50 EUR
Domestic Urgent Payment at Business Centres	34,00 EUR		15,00 EUR
Payee’s bank fee for foreign payment with type of service fee “payment in full”	actual costs		16,00 EUR
Revocation of payment on the business day if the payment has not been transferred by the Bank: foreign payment	8,69 EUR		9,00 EUR
Revocation of payment if the payment has already been transferred by the Bank:
- Domestic Payment, EU payment	2,90 EUR + actual costs		10,00 EUR + actual costs
- Foreign Payment	43,44 EUR + actual costs		44,00 EUR + actual costs
Amendment of payment if the payment has not been transferred by the Bank: foreign payment	8,69 EUR		9,00 EUR
Amendment of payment if the payment has already been transferred by the Bank:
- Domestic Payment, EU Payment	2,90 EUR		10.00 EUR
- Foreign Payment	43,44 EUR + actual costs		44,00 EUR + actual costs
Query about a Domestic Payment, confirmation on the execution of a payment	2,9 EUR		10.00 EUR
Query to a foreign bank, confirmation on the execution of a Foreign Payment	43,44 EUR		44.00 EUR
Investigation of payment older than 6 months:
- Domestic Payment, EU Payment	14,48 EUR		15.00 EUR
- Foreign Payment	43,44 EUR + actual costs		44,00 EUR + actual costs
Confirmation by the Bank of a completed payment order	5,79 EUR (for confirmation)		6,00 EUR (for confirmation)
Issuance of a SWIFT copy of a completed payment performed within 6 months	17,38 EUR (for copy)		10,00 EUR (for copy)
Additional service fee for an foreign payment in case the payee’s IBAN or BIC is incorrect or not indicated	8,69 EUR		9,00 EUR
Cash transactions
Revocation of an advance cash order	0,1% of the amount (not more than 289,62 EUR)		0,1% of the amount (not more than 300,00 EUR)
Other services
Forwarding of documents with the courier	5,79 EUR and courier service fees		6,00 EUR and courier service fees
Payment cards
Card delivery by courier abroad	115,85 EUR		115,00 EUR
Obtaining a copy of payment document for local transaction	4,34 EUR		4,00 EUR
Obtaining a copy of the payment document from abroad	11,58 EUR		12,00 EUR
Obtaining of a foreign document (car rental, hotel accommodation or airplane tickets, reservation documents, etc.)	34,75 EUR		Fee as for "Obtaining a copy of the payment document from abroad"
Fine for illegal use of the card (for credit cards)	not applicable		100,00 EUR
Credit limit
Agreement fee	min. 14,48 EUR		up to 1% of granted credit limit, min 15,00 EUR
Amendment of agreement	min. 28,96 EUR		30,00 EUR
Investment
Transfer of the owner account with the Nasdaq CSD to another custodian	not applicable		15,00 EUR
Monthly fee for empty owner account with the Nasdaq CSD	not applicable		6,50 EUR
Fee for owner account opened in Nasdaq CSD	not applicable		0,003% of the amount, min 10,00 EUR
The financial instruments transaction based on a corporate action notification (fee applies for investors participating in voluntary corporate actions of foreign companies)	0.2% of the amount		0,1% of sum + 6,50 EUR, max 500,00 EUR

New documents applicable from 1 April 2018
Price List:
- For private customers (pdf)
- For business customers (pdf)
Documents valid until 31 March 2018
Price List:
- For private customers (pdf)
- For business customers (pdf)

Right to object

If you do not agree with the introduced amendments, you have the right to terminate your agreements with Danske Bank, to which amendments you do not agree with apply. If, by the effective date of the planned amendments, you do not notify Danske Bank in writing or in another manner specified in the agreement subject to amendments, that you do not agree with the amendments to the service terms and conditions, it will be considered that you agree with the amendments to the service terms and conditions. You have the right to terminate the amended agreement immediately and without paying any commission by the effective date of the amendments.

Have any questions?

Call us on +370 5 215 6666 or visit any customer service branch.