Fees applicable:
from 1 July 2025 – to new clients;
from 1 September 2025 – to clients who became clients before 1 July 2025.
NEO Finance General Fees
|
Service |
Fee for Private Clients |
Fee for Legal Entities |
|
Account management and identification |
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|
Account Opening via the System |
Free of charge |
Free of charge |
|
Account Closure via the System |
Free of charge |
Free of charge |
|
€ 100.00 for Neopay service clients |
||
|
Account Opening outside the System |
Free of charge |
Free of charge |
|
Account Closure outside the System |
Free of charge |
€ 50.00 |
|
€ 100.00 for Neopay service clients |
||
|
Account Maintenance |
Free of charge |
Free of charge |
|
Additional Account Maintenance |
€ 0.79/month1 |
€ 0.79/ month 1 |
|
Account Closure due to Material Breach of the Agreement or Violation of Anti-Money Laundering and/or Counter-Terrorist Financing (AML/CTF) Requirements |
€ 100.00 |
€ 100.00 |
|
Limit Changes via the System |
Free of charge |
Free of charge |
|
Limit Changes outside the System |
Free of charge |
€ 50.00 |
|
Adding or Removing Representatives via the System |
- |
Free of charge |
|
Adding or Removing Representatives outside the System |
- |
€ 50.00 |
|
Editing Representatives’ Rights via the System |
- |
Free of charge |
|
Editing Representatives’ Rights outside the System |
- |
€ 50.00 |
|
Inactive Account Fee |
€ 0.99/month 2 |
€ 2.99/month 2 |
|
Client Identification |
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|
Client Identification at the Branch |
Free of charge |
Free of charge |
|
Client Identification via the System |
Free of charge |
Free of charge |
|
Enhanced Identification and Risk Assessment for Neopay Clients |
- |
€ 50.00 – 5 000.00 |
|
Preparation of Letters and Documents |
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|
Account Statement Generated Online via the System |
Free of charge |
Free of charge |
|
Signed Account Statement up to 15 Pages |
€ 9.993,4 |
€ 9.993 |
|
Written Confirmation of Executed Transfer (1 Page) |
€ 4.993,4 |
€ 4.993 |
|
Signed Copy of Transfer (1 Page) |
€ 4.993, 4 |
€ 4.993 |
|
Signed Certificate of Opened Accounts and Balances |
€ 15.004 |
- |
|
Certificates on Granted and/or Repaid Loans |
€ 9.994 |
- |
|
Certificate for Auditors |
- |
€ 50.00 |
|
Completion of Questionnaires Submitted by Clients |
- |
€ 100.00 |
|
Other Certificates or Letters |
€ 9.994 |
€ 9.99 |
|
Sending Documents via Registered Mail |
According to postal and courier service rates |
According to postal and courier service rates |
|
Fees for Account Activity Notifications |
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|
Price per Notification |
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|
Sent via email |
Free of charge |
Free of charge |
|
Sent via SMS |
Free of charge |
Free of charge |
|
Transfer Fees |
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|
Internal transfer between NEO Finance electronic money accounts |
Free of charge |
Free of charge |
|
External credit transfer within the SEPA area |
€ 0.29 (for Investors) |
€ 0.235 |
|
€ 3.99 (for Consumer Credit Recipients) |
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|
Free of charge (for VIP Clients) |
Free of charge (for VIP Clients) |
|
|
Payment order cancellation |
Free of charge |
Free of charge |
|
Payment order traceability |
Free of charge |
Free of charge |
|
Other Fees |
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|
Processing of SWIFT message6 |
- |
€ 50.00 |
1 VIP investors and "FinoMark" clients are granted the option to open additional accounts free of charge under the following conditions: – VIP Club Silver members – 1 additional free account; – VIP Club Gold members – 2 additional free accounts; – VIP Club Platinum members – 3 additional free accounts; – “FinoMark” clients – 1 additional free account. For any additional accounts beyond those granted, a fee of €0.79/month applies. “Neopay” clients may open an unlimited number of additional accounts without this limitation.
2 The inactive account fee will not be applied by “NEO Finance” in the following cases: i) The client has received a consumer loan through the peer-to-peer lending platform “Paskolų klubas” and the account is used for its administration; ii) The client holds investments on the peer-to-peer lending platform “Paskolų klubas” and/or the crowdfunding platform “FinoMark”, and the account is used to administer those investments; iii) The client has received a loan through the “FinoMark” crowdfunding platform and the account is used for its administration.
3 Each additional page costs €0.50.
4 If a document is prepared under an expedited procedure (within one business day), a 1.5x fee multiplier applies.
5 Fees may vary in cases of individual agreements.
6 A SWIFT message is a standardized financial message format transmitted via the Society for Worldwide Interbank Financial Telecommunication (SWIFT) network. NEO Finance receives SWIFT messages for the purposes of handling inquiries, investigating fraud, assessing suspicious transactions, or resolving other financial matters related to the services provided. NEO Finance processes these messages when required in order to address issues related to payment transactions.
Terms of services
|
Service |
Terminas |
|
Internal transfer between NEO Finance electronic money accounts |
15 min. |
|
Issuance of electronic money |
1 business day |
|
Redemption of electronic money |
1 business day |
Peer-to-Peer Lending Platform Fees
|
Fees applicable to Consumer Credit Recipients |
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Fee for changing the due date of a consumer credit installment (once per year) |
€ 9.00 |
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Fees applicable to Investors |
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Investor platform fee |
€ 1.007/ month |
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|
Investment Sales coëfficients when the consumer credit agreement is terminated (C – investments cannot be sold on the Paskolų klubas platform)8 |
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Offer Validity Day |
For all and VIP investors |
For all investors |
For VIP investors |
|
|
Coefficient for A+ agreements from 2021.04.12 |
Coefficient for A+ (for investments concluded before 12.04.2021 ) A, B, C ratings (all investors) |
Coefficient for A+ (for investments concluded before 12.04.2021 ) A, B, C ratings (VIP investors) |
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|
1-3 |
1 |
0.50 |
0.55 |
|
|
4 |
1 |
0.45 |
0.50 |
|
|
5 |
1 |
0.40 |
0.45 |
|
|
6 |
1 |
0.35 |
0.40 |
|
|
7 |
1 |
0.30 |
0.35 |
|
|
8-30 |
1 |
0.25 |
0.30 |
|
7 If at least 6 months have elapsed since the investor's registration and confirmation of identity and the value of the investment portfolio is at least EUR 0.01.
8 NEO Finance have the right to unilaterally change the above-mentioned coefficients in the following cases: i) When the investment contract is concluded on or before 2022-12-14, not less than 6 months before the entry into force of the updated rates, the future coëfficient values and the effective date are published in this pricing; ii) When the investment contract is concluded on or after 2022-12-15, not less than 14 calendar day before the entry into force of the updated rates, the future coëfficient values and the effective date are published in this pricing.
Neopay Service Fees
|
Service |
Fee |
|
Minimum monthly fee (for clients subject to enhanced business relationship monitoring) |
€ 50.00 - 250.009 |
9 The fee applies if the total amount of fees paid by the client during the month is less than the established minimum amount.
Fees applicable:
until 1 July 2025 – to new clients;
until 1 September 2025 – to clients who became clients before 1 July 2025.
Service fees
|
Service |
Fee |
|
Account management and identification |
|
|
Opening and closing of the account in the system |
Free of charge |
|
Opening and closing of the account at the branch |
Free of charge |
|
Account maintenance |
Free of charge |
|
Opening and closing of the Additional account in the system |
Free of charge |
|
Opening and closing of the Additional account in the branch |
Free of charge |
|
Additional account maintenance |
€ 0.79 / month**** |
|
|
|
|
Client identification |
|
|
Client identification at the branch |
Free of charge |
|
Client identification in the Systems: |
|
|
By sending the documents via e-mail or in the system |
Free of charge |
|
Via e-mail |
Free of charge |
|
|
|
|
Preparation of letters and documents about the accounts |
|
|
The generating of the account statement in the System over the internet |
Free of charge |
|
The provision of the account statement via e-mail or by arriving to the Branch: |
|
|
Account statement up to 15 pages, signed and sealed by "NEO Finance" |
€ 9.99* |
|
"NEO Finance" written confirmation of the performed transfer (1 page) |
€ 4.99* |
|
Transfer copy signed and sealed by "NEO Finance" (1 page) |
€ 4.99* |
|
Certificate regarding opened accounts and balances, signed and sealed by "NEO Finance" |
€ 9.99 |
|
Certificates regarding "NEO Finance" granted ir returned loans |
€ 9.99 |
|
Other certificates or letters |
€ 9.99 |
|
|
|
|
Sending of letters, documents |
|
|
Via registered mail |
Depends on charges of post and delivery companies |
|
|
|
|
The fees for the services of the movement of funds in the account |
|
|
The price of a single information message |
|
|
When sending via e-mail |
Free of charge |
|
When sending a text message (SMS) |
Free of charge |
|
|
|
|
Fees of transfers |
|
|
"NEO Finance" |
Free of charge |
|
Simple transfer for individuals: |
|
|
For investors |
€ 0.29 |
|
For loan recipients |
€ 3.99 |
|
Simple transfer for legal persons |
€ 0.15 (from 01/07/2023 € 0.23**) |
|
Simple transfer for VIP clients |
Free of charge |
| Payment cancelation | Free of charge |
| Payment traceability process | Free of charge |
| Investor platform fee (from 2025.04.01) | € 1.00 / month*** |
*Each additional page costs 0.5 euro
** The rate may change in cases of separate agreements
*** If at least 6 months have elapsed since the investor's registration and confirmation of identity and the value of the investment portfolio is at least EUR 0.01.
**** Additional accounts will be free of charge for VIP investors, FinoMark and Neopay clients according to the following procedure: VIP Silver members – 1 free additional account; VIP Gold members – 2 free additional accounts; VIP Platinum members – 3 free additional accounts; Finomark clients – 1 free additional account. Neopay clients – unlimited number of free additional accounts.
Terms of services
| Service | Term |
|
Spending/emission of electronic money |
1 business day |
|
Buyout of electronic money |
1 business day |
"NEO Finance" makes all the effort that services would be provided to the clients as soon as possible
| Inactive account fee (applicable from 01.03.2022) | |
| For natural person | € 0.99** / month. |
| For legal entities | € 2.99** / month |
** The inactive account fee will not be applied by NEO Finance if: i) The client has investments via the peer-to-peer lending platform NEO Finance and/or via the crowdfunding platform FinoMark, and the administration of these investments is linked to this account; ii) The client has been granted a loan via the crowdfunding platform FinoMark, and this account is used for its administration.
Payable surety of provision fund pricing:
! From 2021.04.12 10 am., NEO Finance offers new Buyback pricing for new A+ rated loans. If the A+ rating loan issued after this date becomes insolvent (default) and the agreement with the borrower is terminated: A+ investments will be automatically purchased by NEO Finance for 100% of the remaining part of the credit.
! Important: The provision fund is no longer available for investments made from 1 March 2022. The terms and conditions of the service only apply to investments made with the provision fund before 1 March 2022.
|
Rate |
Maturity |
Provision fund fee |
|
A+ |
3 |
0,23% |
|
A+ |
6 |
0,46% |
|
A+ |
12 |
0,92% |
|
A+ |
24 |
1,50% |
|
A+ |
36 |
2,22% |
|
A+ |
48 |
2,93% |
|
A+ |
60 |
3,63% |
|
A+ |
72 |
4.32% |
|
A+ |
84 |
4,98% |
|
A+ |
96 | 5,64% |
|
A+ |
108 | 6,30% |
|
A+ |
120 | 6,69% |
|
A |
3 |
0,44% |
|
A |
6 |
0,87% |
|
A |
12 |
1,73% |
|
A |
24 |
2,78% |
|
A |
36 |
4,10% |
|
A |
48 |
5,36% |
|
A |
60 |
6,58% |
|
A |
72 |
7,75% |
|
A |
84 |
8,87% |
|
A |
96 | 9,96% |
|
A |
108 | 11,00% |
|
A |
120 | 12,01% |
|
B |
3 |
1,20% |
|
B |
6 |
2,37% |
|
B |
12 |
4,62% |
|
B |
24 |
7,18% |
|
B |
36 |
10,24% |
|
B |
48 |
13,00% |
|
B |
60 |
15,48% |
|
B |
72 |
17,71% |
|
B |
84 |
19,72% |
|
C |
3 |
2,10% |
|
C |
6 |
4,11% |
|
C |
12 |
7,85% |
|
C |
24 |
11,76% |
|
C |
36 |
16,19% |
|
C |
48 |
19,86% |
|
C |
60 |
22,91% |
|
C |
72 | 25,44% |
Investment Sales coëfficients when the consumer credit agreement is terminated****
! From 2021.04.12 10 am., NEO Finance offers new Buyback pricing for new A+ rated loans. If the A+ rating loan issued after this date becomes insolvent (default) and the agreement with the borrower is terminated: A+ investments will be automatically purchased by NEO Finance for 100% of the remaining part of the credit.
! C- investments cannot be sold.
|
Offer expiration date |
For all and VIP investors |
For all investors |
For VIP investors |
||||
|
Coëfficient for A+ agreements from 2021.04.12 |
Coëfficient for A+ until 2021.04.12 and A rating |
Coëfficient for B rating |
Coëfficient for C rating |
Coëfficient for A+ until 2021.04.12 and A rating |
Coëfficient for B rating |
Coëfficient for C rating |
|
|
1-3 |
1 |
0.70 |
0.60 |
0.50 |
0.80 |
0.70 |
0.60 |
|
4 |
1 |
0.65 |
0.55 |
0.45 |
0.75 |
0.65 |
0.55 |
|
5 |
1 |
0.60 |
0.50 |
0.40 |
0.70 |
0.60 |
0.50 |
|
6 |
1 |
0.55 |
0.45 |
0.35 |
0.65 |
0.55 |
0.45 |
|
7 |
1 |
0.50 |
0.40 |
0.30 |
0.60 |
0.50 |
0.40 |
|
8-30 |
1 |
0.45 |
0.35 |
0.25 |
0.55 |
0.45 |
0.35 |
****NEO Finance have the right to unilaterally change the above-mentioned coëfficients in the following cases: i) When the investment contract is concluded on or before 2022-12-14, not less than 6 months before the entry into force of the updated rates, the future coëfficient values and the effective date are published in this pricing; ii) When the investment contract is concluded on or after 2022-12-15, not less than 14 calendar day before the entry into force of the updated rates, the future coëfficient values and the effective date are published in this pricing.
! New sales coëfficients with effect from 14/09/2023 or 01/03/2024*****
|
Offer expiry date |
For all and VIP investors |
For all investors |
For VIP investors |
|
Coëfficient for A+ agreements |
New coëfficient for A+ (for investments concluded before 12.04.2021 ) A, B, C ratings (all investors) |
New coëfficient for A+ (for investments concluded before 12.04.2021 ) A, B, C ratings (VIP investors) |
|
|
1-3 |
1 |
0.50 |
0.55 |
|
4 |
1 |
0.45 |
0.50 |
|
5 |
1 |
0.40 |
0.45 |
|
6 |
1 |
0.35 |
0.40 |
|
7 |
1 |
0.30 |
0.35 |
|
8-30 |
1 |
0.25 |
0.30 |
***** If you enter into an investment agreement with NEO Finance after 01.03.2023, the new coëfficients for funded loans will apply from 14.09.2023 and if you enter into an investment agreement with NEO Finance before 01.03.2023, the new coëfficients for funded loans will apply from 01.03.2024