(1) The interest rate applicable to the main refinancing operations of the European Central Bank
(the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default
interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
(2) When paying for goods or services with the private person’s Revolving credit card, the bank shall not
calculate interest as from making the transaction with the respective card until the last day (incl.)
of the same month, after the aforementioned period, the bank shall begin calculating interest. Upon making
a payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately.
(3) When paying for goods or services with the private person’s Gold Revolving credit card, the bank shall
not calculate interest as from making the transaction with the respective card until the 10th calendar day
(incl.) of the following month, after the aforementioned period, the bank shall begin calculating interest.
Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating interest
immediately.
(4) When paying for goods or services with the Visa Platinum Credit Card, the transaction amount is subject
to an up to 40-day interest-free period (between the date of purchase and the payment date). Upon making a
payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately.
(5) If the period between ordering Visa Platinum extra package and expiry of Visa Platinum card is less than
one year, the Bank will debit a fee for an extra package in full amount.
(6) American Express cards are not issued from 1 st of July 2016.
(7) When paying for goods or services with the American Express Blue credit card, the transaction amount is
subject to an up to 40-day interest-free period (between the date of purchase and the payment date). When
making transfers from credit card limit account, the calculation of interest starts at once.
(8) When paying for goods or services with the American Express Gold credit card, the transaction amount is
subject to an up to 40-day interest-free period (between the date of purchase and the payment date). When
making transfers from credit card limit account, the calculation of interest starts at once.
(9) When paying for goods or services with the American Express Platinum credit card, the transaction amount
is subject to an up to 50-day interest-free period (between the date of purchase and the payment date). When
making transfers from credit card limit account, the calculation of interest starts at once.
(10) Possible with credit cards pointed in 1.1 – 1.4. The fee is charged on the amount that exceeds 5 000 €
per calendar month and the cash is deposited in home bank’s terminal. The service fee is client-based on the
basis of calculation is a calendar month.
(11) If upon the renewal of a credit card on the basis of an application, the credit limit of the credit card
is rounded by increasing or decreasing the credit limit up to 50 € (incl.), no fee for amending the credit
limit shall be charged when increasing or decreasing the credit limit.
(12) The availability of the service in a foreign country depends on the foreign bank's ATM technical
possibilities and service can be used with MasterCard/Maestro cards.
(13) The price is inclusive of VAT at the rate of 20%.
(14) Added to the amount of every transaction made with the card if the card transaction is in a currency
other than the euro. The conversion fee is not subject to a refund if the transaction is cancelled.
(15) When paying for goods or services with a Business Credit Card, the transaction amount is subject to a
30day interest-free period, after which the calculation of interest starts. When withdrawing cash or making
transfers from credit card limit account, the calculation of interest starts at once.
(16) When paying for goods or services with a Business Gold Credit Card, the transaction amount is subject to
a 40day interest-free period, after which the calculation of interest starts. When withdrawing cash or
making transfers from credit card limit account, the calculation of interest starts at once.
(17) The card is not issued from 20th of April 2016.
(18) Possible with Fixed Payment credit card Visa Business, with Business Credit Card and with Business Gold
Credit Cards. The fee is charged on the amount that exceeds 5 000 € per calendar month and the cash is
deposited in home bank’s terminal. The service fee is client-based on the basis of calculation is a calendar
month.
(19) Service is available with Business Credit Card and Business Gold Credit Card.
