Frequently asked questions

• Do not use Lithuanian characters in the fields of an international payment order;
• In the fields of an international payment order, use international characters:

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
a b c d e f g h i j k l m n o p q r s t u v w x y z
0 1 2 3 4 5 6 7 8 9
/ – ? : ( ) . , ‘ +
Space

Shared costs (SHA): the payer pays the SME Bank’s fees and the recipient pays the fees of the other banks (in certain cases, the recipient may receive a lower amount if agreed with their payment service provider). The transfer is made on the same working day if the payment order is submitted:

• in EUR, GBP, USD until 3 PM;
• in DKK, SEK until 11 AM;
• in PLN until 9 AM.
• When we execute a payment order, we transmit to the recipient’s bank the information provided in the payment order. The Bank is not responsible for the accuracy of the data provided in the payment.
• A payment order submitted after the specified hours or on a non-business day of the Bank will be executed on the next business day of the Bank or currency.

If the funds are transferred to you from an account with another bank operating abroad or in Lithuania, they are credited to your account on the same business day (by 5 PM on the same day) when the Bank receives the payment from the payer’s bank and all the information required for crediting the payment. If the information is insufficient or inaccurate for the crediting of the payment, the payment will be credited no earlier than the next business day of the Bank when all the information necessary for the crediting is received.

• The name of the company or their name and surname;
• Your account number in IBAN format with SME Bank;
• Address of the company or their home address;
• The name of the bank (SME Bank), and the SWIFT code (USDFLT22);
• The name of the correspondent bank abroad and the Swift code in the relevant currency:
  

  Currency	Intermediary Bank BIC	Intermediary Bank Name
  DKK	SXPYDKKK	Banking Circle SA
  EUR	BCIRLULL	Banking Circle SA
  GBP	SAPYGB2L	Banking Circle SA London Branch, UK
  PLN	NWBKGB2L	National Westminster Bank PLC
  SEK	SXPYDKKK	Banking Circle SA
  USD	NWBKGB2L	National Westminster Bank PLC

• NOTE. The primary payer of the funds must be indicated under the sender’s details in the payment.

To cancel payments made or in progress in the ‘List of transactions’ section of the online bank, please send a message via the online bank. In such cases, a fee will be charged for the cancellation of the transfer, in accordance with the applicable bank service and transaction fees, regardless of whether the funds are returned. If the money has already been credited to the recipient, it can only be returned to the payer with the agreement of the recipient.

To make an international payment in another currency, you first need to make a currency conversion before you can make an international payment in that currency.

Current accounts are multicurrency. When you make a currency exchange or when you receive a payment in a currency other than EUR, for you will automatically be added an account in another currency with the same account number (IBAN) as your EUR account in the Internet Bank.

1. Log in to internet bank.

2. Make sure that the menu bar is expanded. If collapsed, expand it by clicking “>” in the top left corner.

3. Select “Payment” section.

4. Select “Currency conversion” sub-section.

5. Enter required data and execute currency conversion.

To convert currency is possible on business days from 08:00 to 17:00. If you try to convert the currency later this time, you will not be able to select the currency and continue the process.