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.

• 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.

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!

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.

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.

EUR, AUD, CAD, CHF, CNY, DKK, GBP, NOK, PLN, SEK, USD

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.

Money transfers are a way to quickly transfer money to a recipient’s account anywhere in the world without having to open a bank account (e.g., people working abroad can transfer money to their relatives in their home country, while those living in Lithuania can transfer money to people abroad).

Ria was founded in 1987 and is today the third largest money transfer company in the world. The company offers fast, reliable and secure money transfer services. Ria’s mission is to be the most advanced money transfer company in the world, offering top-quality, competitive and reliable payment services to its customers.

Ria operates in 146 countries around the world and has over 300,000 service points worldwide.

MoneyGram was founded in 1940 and is the second largest money transfer company in the world. MoneyGram is a global and innovative money transfer service provider and a well-known worldwide financial intermediary between friends and family.

MoneyGram operates in over 200 countries around the world and has over 350,000 service points worldwide.

A list of the bank branches is available here. Next to the branches, you can see which of them handle Ria and MoneyGram money transfers.

• A bank account is not required for sending and receiving money;
• The service is only available to persons who have reached the age of legal majority.
• The bank pays out MoneyGram transfers in euros. If the money is sent in a different currency, MoneyGram carries out the conversion and the preliminary exchange rate is indicated to the sender at the time of entering the transfer.
• The bank pays out Ria transfers in euros (EUR) and British Pounds Sterling (GBP).
• Urbo Bankas executes Ria and MoneyGram transfers in EUR, but other currencies may be used if you wish and if the recipient’s country supports such currencies. In this case, the amount to be sent will be calculated in euros.

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.

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.

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.

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.).

When entering into an Automatic E-Invoice Payment Agreement, you can choose:

• The invoice payment date;

• Maximum limits for invoice payments.

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 prociders:

2 EUROPE, UAB

4FINANCE, UAB

ACTIVE VILNIUS/ Fabijoniškių Baseinas, VŠĮ

ACTIVE VILNIUS/ Lazdynų Baseinas, VŠĮ

Alytaus miesto savivaldybės administracija

ALYTAUS REGIONO ATLIEKŲ TVARKYMO CENTRAS, UAB

ALYTAUS ŠILUMOS TINKLAI, UAB

Alpha komunikacijos, UAB

ASHBURN INTERNATIONAL, UAB

ASMENYBĖS UGDYMO KULTŪROS CENTRAS, VŠĮ *NARIO MOKESTIS

ASOCIACIJA RAUDONOS NOSYS GYDYTOJAI KLOUNAI

ATLETO SPORTO PROJEKTAI, VŠĮ

Aukštaitijos vandenys

AUROJA/ Sporto klubo Eola abonementas, UAB

Aviva Lietuva, UAGDPB

BALTERMA SYSTEMS, UAB

BALTIC EMPLOYMENT SOLUTIONS, UAB

Balticum TV, UAB

Berendsen Textile Service, UAB

Birštono elektra

Bitė Lietuva, UAB

BIUDŽETINĖ ĮSTAIGA SKAITLIS (UGDYMO IR MAITINIMO PASLAUGOS)

BLENDER LITHUANIA F1, UAB

Blender Lithuania, UAB

Brinks Lithuania, UAB

BTA Draudimo paslaugos

Butų ūkio valdos, USB BUV mokėjimo pranešimas

CASTRADE SERVICE, UAB

Cgates, UAB

Circle K Lietuva, UAB

City Boxing sporto klubo narystė

Compensa Life Vienna Insurance SE

Compensa Vienna Insurance Group ADB

CSC Telecom, UAB

DEBRECENO VALDA, UAB

DELFI, UAB

Diena Media News, UAB

Dinetas, UAB

DZŪKIJOS VANDENYS, UAB

ECOFON, UAB

Ecoservice projektai, UAB

Ecoservice, UAB

Ega LT UAB

Ekskomisarų biuras, UAB

ELEKTA, UAB

Elektroninių mokėjimų agentūra, UAB

Elektrum Lietuva, UAB

Elis Textile Service, UAB

Enefit, UAB

Energijos skirstymo operatorius, AB

EOLA PLIUS, VŠĮ

EOLA, UAB

ETANETAS, UAB

EUROCASH1, UAB

Eurocom, UAB

EVATECHAS MB

FABETA, UAB

FANKAS, UAB

G4S Cash Solutions, UAB

G4S Lietuva, UAB

Garant, UAB

Gelsva, UAB

GF Bankas, UAB

GYM PLIUS, UAB

Gyvybės draudimo UAB SB draudimas

Gjensidige, ADB

Goindex pasaulio akcijų fondas

Goindex subalansuotas fondas

GREN LIETUVA, UAB

GRIFS AG, UAB

GSM Apsauga, UAB

HERKAUS KLUBAS, UAB

IF P&C Insurance AS filialas

IGNITIS

IMPULS LTU, UAB

Inbank filialas, AS

Init, UAB

INSERVIS, UAB

INVL x SB draudimas draudimo įmoka

INVL x Šiaulių banko III pakopos fondas

JURITA, UAB

KAUNO ARENA (už baseino narystę), UAB

KAUNO ŠVARA

Kauno vandenys, UAB

KAVAMEDIA, UAB

KILO GRUPĖ, UAB

KLAIPĖDOS BASEINAS, UAB

Klaipėdos energija, AB

Klaipėdos vanduo, AB

Kopa Gym už suteiktas paslaugas

KRETINGOS BŪSTAS

KRETINGOS VANDENYS, UAB

Kupiškio baseinas_ einamojo mėnesio sąskaita už sporto ir sveikatingumo centro narystę

LANSNETA, UAB

Lemon Gym (UAB Gym LT)

Lietuvos draudimas, AB

Lietuvos nacionalinis UNICEF komitetas Asociacija

LIETUVOS PROFESINĖ SĄJUNGA SANDRAUGA

Linde Gas UAB

LITESKO FIL.MARIJAMPOLĖS ŠILUMA, 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

LK SERVICE, UAB

LPF SOS vaikų kaimai

Lukoil Baltija, UAB

Luminor Lizingas, UAB

M7 PLIUS, UAB

MALTOS ORDINO PAGALBOS TARNYBA

MANDATUM LIFE INSURANCE COMPANY LIMITED LIETUVOS FILIALAS

MEMBAS, UAB

MetLife T.U.Z.R.S.A

My Fitness UAB

Mokestis už OXYGYM mėnesinę narystę

Mokilizingas, AB

MŪSŲ SPORTAS, UAB

NERINGOS VANDUO, UAB

Neste Lietuva, UAB

NOVITI, UAB

Odontologijos klinika Amicus Dentis, UAB

OMNIVA LT UAB

Palangos baseino sporto klubo nario mokestis(UAB HIDRANA)

PANEVĖŽIO BUTŲ ŪKIS, AB

PANEVĖŽIO ENERGIJA, AB

PARAMOS FONDAS GERŲ DARBŲ DIRBTUVĖ

Perlas Energija (elektra)

PLAUKIMO KLUBAS, VŠĮ

PRAKTIŠKAS, UAB

PRIEMIESTIS, UAB

PROGMERA, UAB

PUŠŲ TERASOS, DGNSB

PZU Lietuva gyvybės draudimas, UAB

RADIJO ELEKTRONINĖS SISTEMOS, UAB

ROBOLABS, UAB

Rokiškio komunalininkas, AB

ROKIŠKIO VANDENYS, UAB

SANTAROS KLINIKŲ GYDYTOJŲ SĄJUNGA

SAUGOS TARNYBA ARGUS, UAB

Savicko sporto klubas, UAB

SB lizingas UAB

SEB gyvybės draudimas, AB

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

SIGRETA, UAB

SOS VAIKŲ KAIMŲ LIETUVOJE DRAUGIJA

SPLIUS, UAB

SPORTO INFRASTRUKTŪRA, UAB

Sporto Klubas Budora

Sporto klubų sistema, UAB

SPORTO REALISTAI, UAB

Stova, UAB

Sveikieji baltai, UAB

SWEDBANK P&C INSURANCE AS LIETUVOS FILIALAS

SWIFT ARENA už suteiktas paslaugas

Šiaulių vandenys, UAB

TAVO SPORTO AKADEMIJA, UAB

Tele2, UAB

TELEDEMA, UAB

Telia namų/IT ir biuro paslaugos

THE MUSCLE MAKERS, UAB

Trakų raj. KĮK, UAB

Trakų šilumos tinklai, UAB

TRENIRUOČIŲ PASAULIS, UAB

TV Play Baltics (Home3), AS

VAIKO RAIDOS KLINIKA

Verkių būstas, UAB

Verslo tiltas, UAB

Vilkaviškio šilumos tinklai, UAB

Vilniaus šilumos tinklai, AB

Vilniaus vandenys, UAB

VITĖS VALDOS, UAB

VO Gelbėkit vaikus

VS FITNESS

VSA VILNIUS, UAB

Žalgirio plaukimo akademija

SwimCademy plaukimo akademija