Financial ecosystem

Genome business pricing

General

High-risk pricing applies when a business operates in a high-risk industry or is registered in a high-risk country.

High-risk industries include: affiliate marketing, betting/gambling (licensed and regulated), brokers and agents (non-real estate), direct marketing, electronic money institutions (EMI), lead generation, lotteries (regulated and licensed in the EU), skill games and games of chance (regulated and licensed in the EU), software as a service, subscription services, telemarketing, and traditional dating services.

High-risk countries include: Costa Rica, Curaçao, Gibraltar, Guadeloupe, Isle of Man, Liechtenstein, North Macedonia, and Ukraine.

If either the industry or the country is classified as high risk, high-risk pricing will apply.

The final risk level is determined by the Genome team following due diligence and compliance checks.

Supported and prohibited countries and industries

To review eligibility requirements, please refer to the full lists of:

Account fees

Initial EUR IBAN account opening fee*

500 EUR

Monthly account fee

100 EUR / month or 1000 EUR / year

Additional (EUR or multicurrency) account opening

1000 EUR for USD account

500 EUR for each additional account in other currencies except EUR

0 EUR for additional EUR account

Monthly multicurrency account fee

100 EUR

Monthly administration fee (is charged monthly as a % of the monthly average balance¹ based on the annual rate)

0,5%

Account confirmation letter**

6 EUR

Account balance confirmation for audit purposes**

25 EUR

Warranty reserve

1000 EUR

Dormant account fee (applies monthly after 6 months of inactivity until the balance reaches 0)

200 EUR

Funds safekeeping fee (in case funds cannot be redeemed / transferred due to missing SEPA payment details or the client‘s failure to complete Selfie verification as described in Clause 20.7 of Genome T&Cs )

0.01% (but not less than 3 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).

*The price for Curacao-based companies is 1000 EUR.

**VAT included where applicable: for EU businesses outside Lithuania, VAT may be 0% or a reverse-charge applies.

SEPA, internal, and card transfer fees

Incoming / Outgoing transfer inside Genome*

Free

SEPA Incoming (Credit and Instant) transfers**

5 EUR + 0.1% of the transaction amount

SEPA Outgoing (Credit and Instant) transfers

10 EUR + 0.3% of the transaction amount

Top-up by non-Genome card (same cardholder only)

Cancelation of outgoing SEPA transfer

50 EUR

Dispute or search of outgoing wire transferred funds

150 EUR

*The price for Curacao-based companies is 5 EUR for both incoming and outgoing internal transfers.

**The price for Curacao-based companies is 5 EUR + 0.2% of the SEPA incoming transfer amount.

International transfer fees & currency exchange

SWIFT Incoming transfer

30 EUR

SWIFT Outgoing transfer²

30 EUR + 0.20%

Faster Payments Incoming transfer

10 EUR

Faster Payments Outgoing transfer³

10 EUR + 0.20%

CHAPS Incoming transfer

30 EUR

CHAPS Outgoing transfer³

30 EUR + 0.20%

TARGET2 (T2) Incoming transfer

30 EUR

TARGET2 (T2) Outgoing transfer

30 EUR + 0.20%

BACS Incoming transfer

30 EUR

Payment Cancelation/Recall⁴

50 EUR

Payment queries (Amendment)

50 EUR

Payment Investigation⁵

150 EUR

Currency exchange rate

For up-to-date currency exchange rates, please check the currency exchange calculator.

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 (including initial card delivery)

18 EUR

Card delivery fee (return or resend of a physical card)*

8 EUR

Card activation

Free

Monthly fee for the card

Free

Second card issuing fee (with delivery)

10 EUR

Card order cancellation

Free

Card issuing fee (replacement of the lost or stolen card, including delivery)

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

FX on transactions in other currencies

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

*VAT included where applicable: for EU businesses outside Lithuania, VAT may be 0% or a reverse-charge applies.

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 be incurred during the investigation.

⁶ Except Lithuania.