General
Low risk includes industries: Medical services, Commercial Equipment, Landscape engineering, Marketing, Software and SaaS, Insurance, Airlines and air carriers, Health and wellness coaching, Tourist attractions and Other activities.
Low or high business risk level will be assigned by Genome team upon completion of the due diligence procedures applicable to our clients.
List of supported and prohibited countries
Please check the lists of permitted countries for legal and natural users, prohibited countries for clients, beneficiaries, payment destinations, and other relationships, and prohibited activities on this page.
Account fees
Initial EUR IBAN account opening
100 EUR
Monthly account fee
10 EUR / month or 100 EUR / year
Additional (EUR or multicurrency) account opening
Free
Monthly multicurrency account fee
Free
Monthly administration fee (is charged monthly in % of monthly average balance¹ based on annual rate)
0%
Account confirmation letter
5 EUR
Account balance confirmation for audit purposes
20 EUR
Dormant account fee (applies monthly after 6 months of inactivity until the balance reaches 0)
100 EUR
Funds safekeeping fee (in case of impossibility to redeem / transfer funds as described in Clause 20.7 of Genome T&Cs; applies starting from 8th day of notification)
0.005 % (but not less than 1 EUR) of the daily balance stored (If your remaining balance is 10 EUR or below, we may apply a one-time fee up to the amount of your remaining balance).
Code generator (Token)
50 EUR
SEPA, internal, and card transfer fees
Incoming / Outgoing transfer inside Genome
Free
SEPA Incoming (Credit and Instant) transfers
1 EUR
SEPA Outgoing (Credit and Instant) transfers
1 EUR
Top-up by non-Genome card (same cardholder only)
5%
Cancelation of outgoing SEPA transfer
30 EUR
Refund (investigation request)
99 EUR
Dispute or search of outgoing wire transferred funds
150 EUR
International transfer fees & currency exchange
SWIFT Incoming transfer
10 EUR
SWIFT Outgoing transfer²
20 EUR
Faster Payments Incoming transfer
1 EUR
Faster Payments Outgoing transfer³
1 EUR
CHAPS Incoming transfer
20 EUR
CHAPS Outgoing transfer³
20 EUR
TARGET2 (T2) Incoming transfer
20 EUR
TARGET2 (T2) Outgoing transfer
20 EUR
BACS Incoming transfer
1 EUR
Payment Cancelation/Recall⁴
50 EUR
Payment queries (Amendment)
50 EUR
Payment Investigation⁵
150 EUR
Currency exchange between EUR, USD, and GBP currencies only
1%
Currency exchange involving CHF, PLN, CAD, JPY, CZK, HUF, SEK, and AUD currencies
2%
Payment execution time for SEPA and international transfers
SEPA Outgoing Credit Transfer (CT)
Up to 1 business day
SEPA Outgoing Instant Transfer (INST)
Within seconds
Faster Payments Outgoing transfer
Up to 2 hours
TARGET2 (T2) Outgoing transfer
Up to 1 business day
CHAPS Outgoing transfer
Up to 1 business day
SWIFT Outgoing transfer
1 - 4 business days
There may be a delay in execution time periods provided above when additional checks or verifications are made on the side of banks or payment service providers participating in the transaction order execution.
Card fees
Virtual card activation fee for the first 100 cards
1 EUR/card
Virtual card activation fee starting from the 101st card
5 EUR/card
Card issuing fee
10 EUR
Card delivery fee
8 EUR
Card activation
Free
Monthly fee for the card
Free
Second card fee (with delivery)
10 EUR
Card order cancellation
Free
Lost card or replacement (order a new one)
10 EUR
Sales transaction fee (International)
Free
Sales transaction fee (Intra EEA)
Free
Sales transaction fee (Lithuania)
Free
FX on VISA Direct transactions in other currencies
5% (to be changed to 3% on 14.02.2025)
FX on transactions in other currencies
2%
ATM withdrawal fee (International)
1.5 EUR + 2%
ATM withdrawal fee (Intra EEA)⁶
2 EUR
ATM withdrawal fee (Lithuania)
1.5 EUR + 1%
Balance inquiry via ATM
0.5 EUR
OCT (International)
Free
OCT (Intra EEA)
Free
OCT (Lithuania)
Free
¹ Monthly average balance on Your Genome Wallet shall be calculated taking the remaining Balance of Your Genome Wallet at the end of the day (23:59, Vilnius time) and dividing the sum from the number of calendar days in a relevant month.
² THE SHA payment instruction is applied to outgoing SWIFT transfers. You will pay for the transfer order while the beneficiary will handle the charges applied by their bank and any other intermediaries.
³ For payments in British Pounds within the United Kingdom, in case any faster and/or cheaper payment option is available, we will route the payment and adjust the fee accordingly.
⁴ If the payment has not yet been processed, we will issue a cancellation request; otherwise, we will initiate a payment recall.
⁵ In addition to any extra charges that may incur during the investigation.
⁶ Except Lithuania.
