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 (SAPYGB2L);
• 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.