Local transfer means transfer of funds from account in the Medicinos Bankas to a payee’s account located in other bank registered in Lithuania. Funds can be transferred in litas or foreign currency.

Payment order in litas shall be performed on the same banking day:

• When accounts of the payer and the payee are located in Medicinos Bankas;
• When account of the payee is located in other bank registered in Lithuania, when prompt payment order is submitted in the bank before 2:45 PM, via Internet before 3:00 PM or when ordinary payment order is submitted in the bank before 2:00 PM, via Internet 2:30 PM.

Funds received under a payment order shall be charged to the payee’s account on the same banking day  from the Payment Account according to the Unique Identifier specified in the Payment Order received by the Bank – the Account number of the Customer assigned to by the Bank according to the standard of the international bank account numbers, (i.e. IBAN).

The Bank, crediting the funds to and debiting them from the Payment Account according to the Unique Identifier specified in the Payment Order received by the Bank, shall not check whether such Unique Identifier corresponds to the Account holder’s forename and surname / name, therefore every time please make sure that the target receiver’s account number is correct.

Payment order in foreign currency to the receiver‘s account with another bank registered in Lithuania, carried out the same banking day if payment is submitted in:
EUR, USD, LVL - until 2 pm.
In other currencies – until 12 noon.
Payment document received after indicated hours, is carried out the other banking day.

Funds in a foreign currency shall be charged to a payee’s account located in the bank from other banks registered in Lithuania not later than next business day after the funds are charged into correspondent account of the bank.

How Local Transfer Can Be Made?
To make a local transfer, you must have an account in the Medicinos Bankas. The transfer can be made by arriving to the nearest client servicing divisions or branch or the Internet banking system.
you can fill your request / application in advance.

We would like to inform you that in accordance with the Republic of Lithuania Law on the Amendment of the Republic of Lithuania Law on Payments from 15 March 2010 international transactions to the EU countries, Norway, Island and Lichtenstein in euros and the national currency of these countries will be made in case bank fees are paid by both the payer and the payee (SHA). International Transfers to EEA countries in euro and these countries national currencies, if Bank charges are payed only by beneficiary (BEN) or only Payer (OUR), the transfers will not be transfered.

International transfer of funds is made after submitting, in the bank or Internet banking system, an international payment order to transfer funds in a foreign currency to a payee’s account located in a foreign bank.

Conditions of international transfer of funds in euros:

• Ordinary payment order from the bank’s correspondent account shall be performed within two banking days;
• Prompt payment order, when submitted on the same banking day before 4:00 PM, shall be made from the bank’s correspondent account next banking day;
• Very prompt payment order, when submitted before 14:00 AM, shall be made from the bank’s correspondent account on the same banking day.

Conditions of international transfer of funds in USD:

• Ordinary payment order shall be made from the bank’s correspondent account within two banking days;
• Prompt payment order in USD, when submitted on the same banking day before 4:00 PM, shall be made from the bank’s correspondent account next banking day;
• Very prompt payment order in USD, when submitted before 14:00 AM, shall be made from the bank’s correspondent account on the same banking day.

Conditions of international transfer of funds in other currencies:

• Ordinary payment order shall be made from the bank’s correspondent account within two banking days;
• Prompt payment order in other currencies, when submitted on the same banking day before 14:00 AM, shall be made from the bank’s correspondent account next banking day;
• Very prompt payment order, when submitted before 10:00 AM, shall be made from the bank’s correspondent account on the same banking day;
• Funds shall be charged into account of the payee in the Medicinos Bankas not later than next business day after receipt of the funds in the bank’s correspondent account.

Additional conditions for international transfers of funds in RUB

When performing the international transfer of funds in RUB, it is necessary to fill the following data:
Beneficiary‘s Bank Details:
Bank's BIC code (9 numbers).
Correspondent account (20 numbers, start from number 3) the last three numbers should be the same as last three numbers of beneficiary's bank code (BIC) numbers.
Beneficiary's Details:
Beneficiary's INN (10 numbers) number, if the receiver is a corporation.
If the reciever is a private person, should be written name, surname, full address (street, city, country).
Beneficiary's account (20 numbers) and start from number 4.
Details of payment:
VO code (currency transactions) (5 numbers).
Details of the payment should be also written in Russian.

Medicinos bankas CORRESPONDENT BANKS

How International Transfer Can Be Made?
To make an international transfer, you must have an account in the Medicinos Bankas. A transfer can be made by arriving to the nearest client servicing divisions or branch or the Internet banking system. You can fill your request / application in advance.

To receive funds from abroad, please indicate to the sender of the funds correct data on your account in the Medicinos Bankas.

When signing contracts with your foreign partners and other documents and providing information to them, please specify:

• Full name of the payee’s bank: UAB Medicinos Bankas;
• SWIFT code: MDBA LT 22;
• Accurate name of the correspondent account according to respective foreign currency, and SWIFT code;
• Your first name and last name;
• Number of Your account in the Medicinos Bankas.

Funds shall be charged to a payee’s account in the bank not later than next business day after the bank finds out that the funds are charged into the bank’s correspondent account.

A payer wishing to transfer to you an amount in USD should enter the following:

Please pay to UAB Medicinos bankas, Vilnius, SWIFT MDBA LT 22, at Deutsche Bank Trust Company Americas, New York, SWIFT BKTR US 33, for further credit to
[First name] [Last name], account no. LTXX XXXX XXXX XXXX XXXX.

How Funds from Abroad Can Be Received?
To receive funds from abroad, you must have an account in the Medicinos Bankas. Your foreign partner will make a transfer only if he / she has correct data of the bank, correspondent bank and the payee as specified by you.

Regular payment means an order from a client to the bank to regularly transfer moneys to a payee’s account under specified schedule of payments. This can include rent fees, leasing, insurance, cable TV services, etc.

If you have a few accounts, then, after planning movement of monetary funds, you can order the bank to regularly transfer a certain amount from one account to the other, namely:

• A fixed amount;
• A percentage of remaining balance in the account;
• Balance remaining in the account;
• An amount in excess of a certain limit.

This can also include contributions to cumulative or consumer deposit accounts and other payments.

Advantages:

• No need to go to the bank each time;
• No need to prepare a payment order each time;
• No need to worry about payment deadline.

How One Can Start Using the Regular Payment Service?
To use the regular payment service, you must have an account in the Medicinos Bankas, visit the nearest client servicing divisions or branch and fill request / application. It is necessary to have personal identity documents.

From the date when the application is submitted, the bank will automatically make payment transactions without a separate order during entire period as specified by you.

The direct debit service is a convenient way to settle with companies providing communication, insurance, cable TV and other services.

Advantages:

• No need to go to the bank each month, to fill forms and stand in queues;
• No need to worry about cashing out money.

How One Can Get the Direct Debit Service?
To be able to use the direct debit service, you must have an account in the Medicinos Bankas, visit the nearest client servicing divisions or branch or provider of services, for which it is possible to settle by means of direct debit (see below). It is necessary to have a personal identity document.

Companies, with which you may sign direct debit agreements:

Companies	You may sign direct debit agreement
	at the  Bank	at the Company
Petrol stations
JSC "Alexela Oil"		+
JSC "Lietuva Statoil"		+
JSC "Neste Lietuva"		+
JSC "Lukoil Baltija"	+	+
Insurance companies
SC "Lietuvos draudimas"	+	+
JSC "AIG Life"		+
JSC "Bonum publicum"	+	+
Uždaroji akcinė gyvybės draudimo ir pensijų bendrovė „Aviva Lietuva“	+	+
Swedbank Life Insurance SE Lietuva Branch (was JSC "Swedbank Life Insurance")	+	+
JSC "SEB Life Insurance"	+	+
If P&C Insurance AS Branch	+	+
JSC "PZU Lietuva Life Insurance"	+	+
JSC DK "PZU Lietuva"	+	+
Mandatum Life Insurance Baltic SE (was SE "SAMPO Life Insurance Baltic Lietuva Branch")	+	+
"Compensa Life Vienna Insurance Group SE Lithuanian Branch"	+	+
Seesam Insurance AS Lietuvos filialas (was JSCDK "Seesam Lietuva")	+	+
AAS "Gjensidige Baltic" Lietuva Branch	+	+
"BTA Insurance Company" SE Branch Lietuvoje	+	+
Companies of financial services
JSC "Danske Lizingas"	+	+
JSC "DNB lizingas"		+
JSC "MP Pension Funds" (Extremo III ir Mdio III)		+
JSC "Parex faktoringas ir lizingas"	+	+
BIGBANK AS Branch	+	+
SC bank "Finasta"		+
Companies providing cable TV services
SC "Viasat"	+	+
JSC "Cgates" (was "Kabeliniai ryšių tinklai"	+	+
JSC "Splius"	+
JSC "Telerena"	+	+
JSC "Init" (was JSC "Vinita" and JSC "Teletronika")	+
JSC "Balticum TV"	+	+
Utility companies
SC "Informacinio verslo paslaugų įmonė"	+	+
SC "Klaipėdos energija"		+
SC "Klaipėdos vanduo"		+
SC LESTO		+
JSC "Šiaulių vandenys"	+	+
JSC "Specialus autotransportas"	+	+
JSC Trakų rajono komunalinių imonių kombinatas	+	+
JSC "Ecoservice"	+	+
JSC "Tvar.com"	+	+
Telecommunications companies
JSC "Bitė Lietuva"	+	+
JSC "CSC Telecom"	+
JSC "Eurocom"	+	+
JSC "Metameda ir ko"		+
JSC "Omnitel"	+	+
JSC "Teledema"	+	+
JSC "TELE2"	+
SC "TEO LT"	+	+
Other service companies
JSC "Aga"	+	+
JSC "Ekskomisarų biuras"	+	+
JSC "G4S Lietuva"	+	+
JSC "Perlo paslaugos"	+
JSC "Ranga IV pastatų aptarnavimas"		+
JSC "Sporto klubų sistemos"		+
JSC "IMPULS LTU"		+
JSC "GSM Apsauga"		+
JSC "Ruptela"	+	+
JSC "Litagra"		+
JSC "INDEX-K"		+
Public institution "Lietuvos ateitis"		+
SC "Joniškio grūdai"		+
JSC "Eden Springs Lietuva"	+	+
LPF 'SOS vaikų kaimo Lietuvoje draugija"	+	+

To use the direct debit service more conveniently, please visit the Internet websites  www.epay.lt and www.mpay.lt.

UNISTREAM carries out transfers to and from 190,000 service points in over 95 countries around the world: England, USA, Spain, Poland, Latvia, Russia, Kirghizia, Ukraine, Kazakhstan and many other countries.

Money transfers are the best way to transfer funds to relatives in the home country for those who work abroad. It is also an irreplaceable way to transfer funds to those studying, spending their leisure time abroad or visiting countries on business – to all who need to receive money quickly.

• Money transfers can be withdrawn in these client service subsidiaries of Medicinos bankas:

      1. Centras Branch - 40 Pamėnkalnio Street, Vilnius
      2. Kaunas Branch - 14 Vytauto Avenue, Kaunas
      3. Konstitucija client service subdivision - 3 Konstitucijos Avenue, Vilnius
      4. Dainava client service subdivision - 43 V. Krėvės Avenue, Kaunas

• The money is received on the same working day.

Benefits

• Rapid transfer of funds.
• Very wide service network in the CIS countries.
• Low fees. In many countries, Unistream money transfer costs 2-3 percent from the transferred amount.
• Bank account is not required to send and withdraw the money.
• All fees are paid by the sender.
• Data adjustment is made without any additional fees.

Cash withdrawal

• Arrive to money transfer sender indicated address.
• Specify UNISTREAM money transfer number and currency and the amount transferred. Depending on the sender’s choice, funds can be sent to Medicinos bankas and withdrawn in euros or US dollars.
• Provide a valid identity document.
• Withdraw the transferred funds within 30 calendar days after the transfer. Should the recipient fail to withdraw the funds, they will be returned to the sender.

Search for partners, tariffs and contact details

Money transfer fees applied by Unistream partners depend on the country of sending and receiving.

You can find out more information about the transfer service and fees in branches of Medicinos bankas, where the service is given or on the Unistream website:
http://www.unistream.com/