Debit cards
Debit cards are meant for your daily needs. They can be used for making payments or withdrawing cash worldwide at merchant outlets carrying Visa Electron or Maestro card logos.
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What is good about a debit card:
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Low card issue and service fees, special fees for those, whose salary, bursary, retirement and other benefits are paid into the card account.
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Debit cards are safe: they do not allow you to spend more money than you have in your account.
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Card service network is very wide.
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You will be eligible for Discount program and will save money on goods and services Lithuania wide.
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You may have several debit cards, linked to the same account.
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Your family members may also use the card: all you have to do is to apply for a supplementary card.
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You may change card’s limits of payment for goods and services, cash expenses, block and activate the card any time using online banking system Eta bankas.
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What do we offer to families?
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Family payment cards
Acquire a payment card and you may order supplementary cards to the same payment card account with the limits determined by You. Supplementary payment card – is a perfect way to teach children how to administer finance since the determined limits will not allow you to spend more money than specified.
How it works:
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One payment card account – when you open a payment card account, you additionally connect your family members to the account. You may determine daily or monthly supplementary card’s limits and may change them any time if the supplementary card holder urgently needs funds. Limits are determined via electronic banking system Eta bankas or upon arriving to the bank’s unit.
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Personal payment cards numbers – each payment card holder receives a payment card with its name and unique card number. If one of the payment cards is lost or stolen only this card will be blocked meanwhile the others will work without interruptions.
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Detailed payment card statements – payment card manager sees transactions performed with all payment cards grouped according to the expenses and the supplementary cards holders – only statements of their own expenses.
Credits in debit payment cards
Debit card holders, who have their salaries paid into this card account, or members of the Seniors Program, are eligible for at least the minimum credit limit:
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up to LTL 5000 for clients who have their salaries paid into the card account (when the bank and the employer enter into the agreement for the transfer of salaries).
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up tp LTL 1000 for members of the Seniors Program.
In other words, with a credit limit in your card account you will be able to borrow up to this amount at any time without any supplementary agreements. Credit limit in the card account is very convenient – it is an indispensable tool for balancing personal expense and income.
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What types of credit is granted?
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Revolving credit
Granted to clients who have their salaries paid into the card account. When the credit is used, interest and only 15 per cent of credit used shall be paid off to the bank monthly.
This credit is called revolving credit because at the end of the month the bank does not require to repay the credited amount in full: having paid off the pre-established amount you may continue using the remaining credit and after the full balance is paid off you can use the entire credit limit again. You may pay off bigger amounts than required.
Interest is charged for each day on the borrowed amount. Calculation of interest stops when the balance is paid in full.
Credit line may be used making payments by card, transferring money from the card account and withdrawing cash.
Standard credit
Granted to members of Seniors Program. This credit is subject to the payment of balance in full and payment of interest every month. After the full balance is paid you can use the entire credit limit again.
Interest is charged for each day on the borrowed amount. Calculation of interest stops when the balance is paid in full.
Credit line may be used making payments by card, transferring money from the card account and withdrawing cash.
