Savings
Daily banking
Other services
"Urbo" is a new bank name
Payments
SEPA is the transfer of money from the customer’s account to another account at the instruction of the account provider. Transfers are made in Euro to accounts opened in SEPA countries. The SEPA (Single European Payment Area) countries are members of the EEA (the EU countries plus Iceland, Liechtenstein and Norway) and the United Kingdom, Switzerland, Andorra, Gibraltar, Monaco, San Marino, and the Vatican.
Non-SEPA is the transfer of money from the customer’s account to another account at the instruction of the account provider. Transfers are made in currencies other than the Euro or to the accounts opened in countries outside the SEPA.
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- Intra-bank transfers, i.e., transfers of money between Urbo bank accounts (your own or those of other persons).
- SEPA payments, i.e., SEPA-compliant payments to the EEA (European Economic Area) countries (European Union, Norway, Iceland, Liechtenstein) and the United Kingdom, Switzerland, Andorra, Gibraltar, Monaco, San Marino, and the Vatican.
- SEPA instant payments (SEPA transfers up to EUR 100,000 are only made to banks/payment service intermediaries that are members of the SEPA Instant Payment Service (SEPA-INST) scheme).
- Recurring payments, i.e., regular ordinary SEPA payments made by the bank to the payee’s account at the customer’s instruction, in accordance with a chosen payment schedule.
- Payments for services, i.e., payments to service providers using a universal payment form (template).
The terms and conditions for the execution of payment orders are set out in the Payment Service Rules of the Bank and Transactions, and the information provided in the Payment Order Form.
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Identification of the payer/recipient requires the name of the payer/recipient and the bank account number (international IBAN format)*.
* The bank credits the funds to the payment account according to the account number (IBAN) provided in the customer’s payment order and does not check whether the provided account number corresponds to the name of the holder of the account, so please make sure the recipient’s account number is correct every time!
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Possible frequency of transfers:
- Specifying the day of the month (daily, certain selected days of the month);
- Specifying the weeks of the month (weekly, every day of the week, certain days of the week);
- Specifying the months of the year (monthly, every other month, quarterly, specific months).
The following debiting can be selected as a recurring payment:
- Fixed amount;
- Full balance on the account;
- Any amount in excess of the specified minimum balance that must remain in the account after the transfer has been completed;
- Part of the amount, expressed as a percentage, to be debited from the balance on the account.
A recurring payment transaction can only be terminated on the day you request cancellation of the recurring payments.
There is no possibility to make an advance request for cancellation of recurring payments at a future date of your choice.
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The terms and conditions for the execution of international payment orders are set out in the Payment Service Rules of the Bank, the Price List of Services and Transactions, and the information provided in the Payment Order Form.
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Anti-money laundering, counter-terrorist financing, anti-fraud and international sanctions and restrictive measures in place at Urbo Bankas include enhanced monitoring of payment transactions. Enhanced monitoring of payment transactions is carried out by suspending outgoing or incoming payments and checking the documents supporting the payment transactions. Please note that in all cases, payments sent to or received from high-risk regions are suspended. The following are considered high-risk regions:
- Countries subject to enhanced monitoring by the Financial Action Task Force (FATF) (Turkey, United Arab Emirates, etc., see list of countries);
- Countries on the European Commission’s list of high-risk countries (paragraph 1, Annex 1 to Regulation (EU) 2016/1675 – Afghanistan, Philippines, Morocco, Pakistan, etc., see list of countries);
- Countries included in the list of target territories approved by the Ministry of Finance of the Republic of Lithuania (Order No. 344 of 29/12/2001, see list of countries);
- Russia and Belarus – due to the international sanctions imposed on these countries, we recommend that you do not make payments to Russia and Belarus; for more detailed information on the sanctions and payment restrictions imposed on these countries, see the FAQs on payments with Belarus, Russia;
- Other countries of the Commonwealth of Independent States (Azerbaijan, Armenia, Kazakhstan, Kyrgyzstan, Moldova, Tajikistan, Turkmenistan, Uzbekistan), due to the high risk of circumventing international sanctions against Russia and Belarus.
The documents normally requested to support the transaction include contracts, VAT invoices and, in the case of supplies or transport, bills of lading, customs declarations and certificates of origin. You may also be asked to provide additional documentation, such as registration documents revealing the identity of the private persons (beneficial owners) controlling the business partner, in order to verify that the customer’s business partner is not subject to international sanctions or restrictive measures.In cases where the risk of a payment transaction is determined to be unacceptable to Urbo Bankas, or where the customer does not provide all the documents necessary for the risk assessment of the payment transaction, Urbo Bankas may refuse to execute or credit the payment.
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It is recommended that settlements with Russia and Belarus should be excluded. Customers who intend to carry out payment transactions with Russia or Belarus are kindly requested to coordinate such settlements with Urbo Bankas in advance. Payment transactions with Russia or Belarus that have not been agreed in advance, as well as payment transactions that pose an unacceptable risk of international sanctions to Urbo Bankas, are not executed.
Please note that in order to properly implement the international sanctions imposed on Russia and Belarus, all payment transactions executed (sent and received) by the Urbo Bankas with Russia, Belarus or other countries of the Commonwealth of Independent States are suspended for verification. When payment transactions are suspended, the supporting documents are requested (e.g. contracts, invoices, bills of lading and customs declarations, or acts of provision of services) and the details of the supporting documents (e.g. the date and number of the contract, the date and number of the invoice, the Combined Nomenclature codes of the goods, or the names of the services) are indicated in the purpose of payment.
When making settlements with other countries of the Commonwealth of Independent States, we urge you to make sure that transactions are not aimed at circumventing international sanctions against Russia and Belarus (to identify the origin of the goods or the final purchasers of the goods, to identify the real beneficiaries of the partners, and to verify the identity of the other parties involved in the transaction).
Below you can find detailed information about the international sanctions implemented by Urbo Bankas:
- European Union: https://sanctionsmap.eu
- United Nations: https://www.un.org
- United States of America: https://sanctionssearch.ofac.treas.gov/
- Great Britain: https://www.gov.uk/government/organisations/office-of-financial-sanctions-implementation
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The bank accepts bearer cheques in euros (EUR) and British Pounds Sterling (GBP). The Bank accepts cheques issued by the EU (except Greece, Austria), British, Norwegian and Canadian banks.
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The cheque must be presented for cashing less than 5 months after the date of issue. When the cheque is cashed, the amount indicated on the cheque, after deduction of bank fees for cashing the cheque, will be transferred to the Urbo Bankas account specified by you.
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It is an electronic version of a VAT invoice sent to the recipient (payer), i.e., directly to the Urbo Bank customer’s online bank account.
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With an Automatic E-Invoice Payment Agreement, you can make insurance or lease payments, pay for utilities, Internet and phone connection, and other services (gym memberships, subscriptions to publications, etc.).
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When entering into an Automatic E-Invoice Payment Agreement, you can choose:
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The invoice payment date;
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Maximum limits for invoice payments.
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You can subscribe to e-invoices from the following service providers. E-invoices from service providers that are not on the list can only be subscribed to directly with the service provider.
Service providers:
"AS Inbank filialas"
"IF P&C Insurance AS" filialas
"Kopa Gym" už suteiktas paslaugas
"SWIFT ARENA" už suteiktas paslaugas
"Telia" namų/IT ir biuro paslaugos
891-OJI INDIVIDUALIŲ GYVENAMŲJŲ NAMŲ STATYBOS BENDRIJAL-2002
AB "Energijos skirstymo operatorius"
AB "Lietuvos draudimas"
AB "Mokilizingas"
AB "Rokiškio komunalininkas"
AB "SEB gyvybės draudimas"
AB Klaipėdos energija
AB PANEVĖŽIO BUTŲ ŪKIS
AB PANEVĖŽIO ENERGIJA
ADB "Gjensidige"
Alytaus miesto savivaldybės administracija
AS TV Play Baltics (Home3)
ASOCIACIJA RAUDONOS NOSYS GYDYTOJAI KLOUNAI
Aukštaitijos vandenys
Berendsen Textile Service, UAB
Birštono elektra
Bitė Lietuva, UAB
BIUDŽETINĖ ĮSTAIGA SKAITLIS (UGDYMO IR MAITINIMO PASLAUGOS)
BLENDER LITHUANIA F1, UAB
Blender Lithuania, UAB
Brink"s Lithuania, UAB
BUV mokėjimo pranešimas, UAB "Butų ūkio valdos"
Circle K Lietuva, UAB
City Boxing sporto klubo narystė
Compensa Life Vienna Insurance SE
Compensa Vienna Insurance Group ADB
DGNSB "PUŠŲ TERASOS"
IGNITIS
Ega LT UAB
Elis Textile Service, UAB
Enefit, UAB
EUROCASH1, UAB
EVATECHAS MB
G4S Cash Solutions, UAB
Gyvybės draudimo UAB "SB draudimas
Goindex pasaulio akcijų fondas
Goindex subalansuotas fondas
Init, UAB
INVL x Šiaulių banko III pakopos fondas
INVL x SB draudimas draudimo įmoka
KAUNO ŠVARA
KRETINGOS BŪSTAS
L-2002 891-OJI INDIVIDUALIŲ GYVENAMŲJŲ NAMŲ STATYBOS BENDRIJA
Lemon Gym (UAB Gym LT)
Lietuvos nacionalinis UNICEF komitetas Asociacija
LIETUVOS PROFESINĖ SĄJUNGA SANDRAUGA
Linde Gas UAB
LPF SOS vaikų kaimai
Luminor Lizingas, UAB
MALTOS ORDINO PAGALBOS TARNYBA
MANDATUM LIFE INSURANCE COMPANY LIMITED LIETUVOS FILIALAS
MetLife T.U.Z.R.S.A
My Fitness UAB
Mokestis už OXYGYM mėnesinę narystę
OMNIVA LT UAB
Palangos baseino sporto klubo nario mokestis(UAB HIDRANA)
PARAMOS FONDAS GERŲ DARBŲ DIRBTUVĖ
Perlas Energija (elektra)
SANTAROS KLINIKŲ GYDYTOJŲ SĄJUNGA
SB lizingas UAB
SEB Life and Pension Baltic SE Lietuvos filialas
Seesam Insurance AS Lietuvos filialas
SĮ KRETINGOS KOMUNALININKAS
SĮ Vilniaus atliekų sistemos administratorius
SIA "Citadele Leasing" Lietuvos filialas
SIA UNICREDIT LEASING LIETUVOS FILIALAS
SOS VAIKŲ KAIMŲ LIETUVOJE DRAUGIJA
SPLIUS, UAB
Sporto Klubas "Budora"
Sveikieji baltai, UAB
SWEDBANK P&C INSURANCE AS LIETUVOS FILIALAS
TAVO SPORTO AKADEMIJA, UAB
UAB "ALYTAUS ŠILUMOS TINKLAI"
UAB "Alpha komunikacijos"
UAB "Balticum TV"
UAB "Cgates"
UAB "CSC Telecom"
UAB "Diena Media News"
UAB "Dinetas"
UAB "ECOFON"
UAB "Ecoservice projektai"
UAB "Elektrum Lietuva"
UAB "ETANETAS"
UAB "Garant"
UAB "Gelsva"
UAB "GF Bankas"
UAB "GSM Apsauga"
UAB "Kauno vandenys"
UAB "KAVAMEDIA"
UAB "Lukoil Baltija"
UAB "Neste Lietuva"
UAB "PZU Lietuva gyvybės draudimas"
UAB "Savicko sporto klubas"
UAB "Sporto klubų sistema"
UAB "Stova"
UAB "Šiaulių vandenys"
UAB "Tele2"
UAB "Trakų šilumos tinklai"
UAB "Verkių būstas"
UAB "Vilkaviškio šilumos tinklai"
UAB "Vilniaus vandenys"
UAB 2 EUROPE
UAB 4FINANCE
UAB ALYTAUS REGIONO ATLIEKŲ TVARKYMO CENTRAS
UAB ASHBURN INTERNATIONAL
UAB AUROJA/ Sporto klubo Eola abonementas
UAB BALTERMA SYSTEMS
UAB BALTIC EMPLOYMENT SOLUTIONS
UAB CASTRADE SERVICE
UAB DEBRECENO VALDA
UAB DELFI
UAB DZŪKIJOS VANDENYS
UAB Ecoservice
UAB Ekskomisarų biuras
UAB ELEKTA
UAB Elektroninių mokėjimų agentūra
UAB EOLA
UAB Eurocom
UAB FABETA
UAB FANKAS
UAB G4S Lietuva
UAB GYM PLIUS
UAB GREN LIETUVA
UAB GRIFS AG
UAB HERKAUS KLUBAS
UAB IMPULS LTU
UAB INSERVIS
UAB JURITA
UAB KAUNO ARENA (už baseino narystę)
UAB KILO GRUPĖ
UAB KLAIPĖDOS BASEINAS
UAB KRETINGOS VANDENYS
UAB LANSNETA
UAB LITESKO FILIALAS ALYTAUS ENERGIJA
UAB LITESKO FILIALAS BIRŽŲ ŠILUMA
UAB LITESKO FILIALAS DRUSKININKŲ ŠILUMA
UAB LITESKO FILIALAS KELMĖS ŠILUMA
UAB LITESKO FILIALAS PALANGOS ŠILUMA
UAB LITESKO FILIALAS TELŠIŲ ŠILUMA
UAB LITESKO FILIALAS VILKAVIŠKIO ŠILUMA
UAB M7 PLIUS
UAB MEMBAS
UAB MŪSŲ SPORTAS
UAB NERINGOS VANDUO
UAB NOVITI
UAB Odontologijos klinika "Amicus Dentis`
UAB PRAKTIŠKAS
UAB PRIEMIESTIS
UAB RADIJO ELEKTRONINĖS SISTEMOS
UAB ROBOLABS
UAB SAUGOS TARNYBA ARGUS
UAB SIGRETA
UAB SPORTO INFRASTRUKTŪRA
UAB SPORTO REALISTAI
UAB TELEDEMA
UAB THE MUSCLE MAKERS
UAB Trakų raj. KĮK
UAB TRENIRUOČIŲ PASAULIS
UAB Verslo tiltas
UAB VITĖS VALDOS
UAB VSA VILNIUS
UAGDPB Aviva Lietuva
AB Klaipėdos vanduo
Žalgirio plaukimo akademija
UAB PROGMERA
UAB ROKIŠKIO VANDENYS
UAB LITESKO FIL.MARIJAMPOLĖS ŠILUMA
VAIKO RAIDOS KLINIKA
VIEŠOJI ĮSTAIGA ACTIVE VILNIUS/ Fabijoniškių Baseinas
VIEŠOJI ĮSTAIGA ACTIVE VILNIUS/ Lazdynų Baseinas
Vilniaus šilumos tinklai, AB
VO "Gelbėkit vaikus"
VS- Express 24/7
VS FITNESS
VS Fitness sporto klubas Kaunas Mega
VS Fitness sporto klubas Vilnius
VŠĮ ASMENYBĖS UGDYMO KULTŪROS CENTRAS*NARIO MOKESTIS
VŠĮ ATLETO SPORTO PROJEKTAI
VŠĮ EOLA PLIUS
VŠĮ PLAUKIMO KLUBAS
VŠĮ SPORTO AMBASADORIAI
Kupiškio baseinas_ einamojo mėnesio sąskaita už sporto ir sveikatingumo centro narystę
URBAN GYM (VILNIUS BARBELL GYM) narystė
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An electronic card reader is a data input device that reads data from the magnetic stripe or chip of a payment card and transmits the settlement transaction data to the bank that handles card transactions
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The card readers of our partners EPS LT and Nets Denmark A/S Lithuanian branch meet all the requirements of the international organisations Visa and MasterCard.
Depending on your needs, you can choose from the following options:
Card readers not connected to the cash register
- A stationary card reader if you intend to use it in one location
- A mobile card reader, if you plan to use the reader in different locations
Type | Where is it commonly used? | Who commonly uses it? |
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Stationary | In the marketplaces with a small number of buyers or customers | Food products, clothing, shoe stores, bakeries, hairdressers, exhibition organizers, etc. |
Mobile | Food products, clothing, shoe stores, bakeries, hairdressers, exhibition organizers, etc. | Cafes, restaurants, car rental companies, taxis, etc. |
Card readers connected to the cash register
Type | Where is it commonly used? | Who commonly uses it? |
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Stationary | In the marketplaces with a large number of buyers or customers (where it is important to serve the customer quickly) | Large supermarkets, petrol stations, pharmacies, chain stores for shoes, clothes etc. |
Mobile | In the marketplaces with a large number of buyers or customers (where it is important to serve the customer quickly) | Large supermarkets, petrol stations, pharmacies, chain stores for shoes, clothes etc. |
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Service charges apply when accepting card payments:
- Card service charge. Card service charge consists of a percentage of the settlement amount (based on the turnover of card payments) and a fixed amount.
- Monthly rent and maintenance fee. Card readers can be rented from EPS LT, Nets Denmark A/S Lithuanian branch, partner of Urbo Bankas, or from another card reader provider.
For more information about this service, its terms and conditions and fees, please fill in the enquiry form and a responsible officer of the bank will contact you with detailed information on the terms and conditions for installing a card reader.
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