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 |
||
|
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 |
||
|
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 |
||
|
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) |
||
|
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 |
|||
|
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) |
||
|
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.
Servicekosten
|
Service |
Kosten |
|
Accountbeheer en identificatie |
|
|
Openen en sluiten van de rekening in het systeem |
Gratis |
|
Openen en sluiten van de rekening op kantoor |
Gratis |
|
Accountonderhoud |
Gratis |
|
Openen en sluiten van de extra rekening in het systeem |
Gratis |
|
Openen en sluiten van de extra rekening in het filiaal |
Gratis |
|
Extra accountonderhoud |
€ 0,79 / maand**** |
|
|
|
|
Identificatie van de klant |
|
|
Identificatie van de klant op kantoor |
Gratis |
|
Klantidentificatie in de systemen: |
|
|
Door de documenten via e-mail of in het systeem te verzenden |
Gratis |
|
Via e-mail |
Gratis |
|
|
|
|
Opstellen van brieven en documenten over de boekhouding |
|
|
Het genereren van het rekeningoverzicht in het systeem via internet |
Gratis |
|
Het verstrekken van het rekeningoverzicht via e-mail of door aan te komen bij het filiaal: |
|
|
Rekeningafschrift tot 15 pagina's, ondertekend en verzegeld door "NEO Finance" |
€ 9,99* |
|
Schriftelijke bevestiging van "NEO Finance" van de uitgevoerde overdracht (1 pagina) |
€ 4,99* |
|
Overdrachtsexemplaar ondertekend en verzegeld door "NEO Finance" (1 pagina) |
€ 4,99* |
|
Certificaat met betrekking tot geopende rekeningen en saldi, ondertekend en verzegeld door "NEO Finance" |
€ 9,99 |
|
Certificaten met betrekking tot "NEO Finance" verstrekte ir geretourneerde leningen |
€ 9.99 |
|
Andere certificaten of brieven |
€ 9,99 |
|
|
|
|
Versturen van brieven, documenten |
|
|
Via aangetekende post |
Afhankelijk van de kosten van post- en bezorgbedrijven |
|
|
|
|
De vergoedingen voor de diensten van het geldverkeer op de rekening |
|
|
De prijs van een enkel informatiebericht |
|
|
Bij verzending via e-mail |
Gratis |
|
Bij het verzenden van een tekstbericht (SMS) |
Gratis |
|
|
|
|
Kosten van overdrachten |
|
|
"NEO Finance" |
Gratis |
|
Eenvoudige overdracht voor particulieren: |
|
|
Voor beleggers |
€ 0,29 |
|
Voor ontvangers van leningen |
€ 3,99 |
|
Eenvoudige overdracht voor rechtspersonen |
€ 0,15 (van 01/07/2023 € 0,23**) |
|
Eenvoudige overdracht voor VIP-klanten |
Gratis |
|
Snelle overboeking (alleen naar Swedbank of Litouwen) |
€ 9,00 |
| Investor platform fee (from 2025.04.01) | € 1,00 / month*** |
* Elke extra pagina kost 0,5 euro
** Het tarief kan veranderen bij individuele overeenkomsten
*** 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
Voorwaarden van diensten
| Service | Term |
|
Uitgeven/uitgeven van elektronisch geld |
1 werkdag |
|
Opkoop van elektronisch geld |
1 werkdag |
| 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.
"NEO Finance" stelt alles in het werk om de diensten zo snel mogelijk aan de klanten te leveren.
Betaalbare zekerheid van provisiefonds prijzen:
! Vanaf 2021.04.12 10 uur, biedt "NEO Finance" nieuwe Buyback prijzen voor nieuwe A+ rating leningen. Als de A+ rating lening uitgegeven na deze datum insolvent wordt (wanbetaling) en de overeenkomst met de kredietnemer wordt beëindigd: A + investeringen zullen automatisch worden gekocht door "NEO Finance" voor 100% van het resterende deel van het krediet.
! Belangrijk: Het provisiefonds is niet langer beschikbaar voor beleggingen vanaf 1 maart 2022. De algemene voorwaarden van de dienst zijn alleen van toepassing op investeringen met het provisiefonds vóór 1 maart 2022.
|
Tarief |
Looptijd |
Voorziening fondsvergoeding |
|
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% |
Investering Verkoopcoëfficienten wanneer de consumentenkredietovereenkomst wordt beëindigd ****
! Vanaf 2021.04.12 10 uur, biedt "NEO Finance" nieuwe "Buyback" prijzen voor nieuwe A+ rating leningen. Als de A+ rating lening uitgegeven na deze datum insolvent wordt (wanbetaling) en de overeenkomst met de kredietnemer wordt beëindigd: A + investeringen zullen automatisch worden gekocht door "NEO Finance" voor 100% van het resterende deel van het krediet.
! C- investeringen konden niet worden verkocht.
|
Vervaldatum aanbieding |
Voor alle en VIP-beleggers |
Voor alle beleggers |
Voor VIP-beleggers |
||||
| Coëfficient voor A+ overeenkomsten vanaf 2021.04.12 |
Coëfficient voor A+ tot 2021.04.12 en A-classificatie |
Coëfficient voor B-classificatie |
Coëfficient voor C-classificatie |
Coëfficient voor A+ tot 2021.04.12 en A-classificatie |
Coëfficient voor B-classificatie |
Coëfficient voor C-classificatie |
|
|
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" heeft het recht om de hierboven vermelde coëfficienten eenzijdig te wijzigen indien, niet minder dan 6 maanden voor de inwerkingtreding van de bijgewerkte tarieven, de toekomstige coëfficientenwaarden en de ingangsdatum worden gepubliceerd in deze prijsbepaling.
! Nieuwe verkoopcoëfficienten met ingang van 14/09/2023 of 01/03/2024*****
|
Vervaldatum aanbieding |
Voor alle en VIP-beleggers |
Voor alle beleggers |
Voor VIP-beleggers |
|
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 |
***** Indien u een investeringsovereenkomst aangaat met "NEO Finance" na 01.03.2023, zijn de nieuwe coëfficienten voor gefinancierde leningen van toepassing vanaf 14.09.2023 en indien u een investeringsovereenkomst aangaat met "NEO Finance" vóór 01.03.2023, zijn de nieuwe coëfficienten voor gefinancierde leningen van toepassing vanaf 01.03.2024.