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1. General provisions

  1. The campaign is organised by UAB SME Bank, company code 305223469, registered office A. Tumėno g. 4-15, Vilnius (the Bank).
  2. These terms set out the conditions of the campaign for business clients (the Campaign). The Campaign offers three benefits: 1.5% cashback on card purchases, 2% annual interest on the account balance, and a 0.15% currency exchange margin.
  3. Matters not covered by these terms are governed by the agreements between the Bank and the Client, the Bank’s general terms of service, and the Bank’s standard price list published at https://sme.bank/en/terms-and-conditions.

2. Campaign period

  1. The Campaign runs from 9 November 2026 to 31 January 2027 inclusive (the Campaign Period).
  2. The Bank’s standard prices apply after the Campaign Period ends.

3. Eligibility

  1. The Campaign is open to legal entities and other business clients of the Bank (the Client) that use the Scale, Pro or Pro+ plan.
  2. The benefits apply only to calendar months, or parts of them, in which the Client uses one of these plans.
  3. A New Client is a company that was not a client of the Bank at any time in the 12 months before its relationship with the Bank began.
  4. The benefits apply as follows:
  • 1.5% card cashback – for new and existing clients.
  • 2% annual interest – for new clients only.
  • 0.15% currency exchange margin – for new clients only.

4. 1.5% cashback on card purchases

  1. The Bank pays back 1.5% of the amount the Client spends with a business payment card issued by the Bank during the Campaign Period.
  2. Cashback applies only to online payments (e-commerce) and payments made at physical points of sale (POS terminals), for transactions of at least EUR 10. 
  3. Cashback does not apply to cash withdrawals, money transfers, quasi-cash transactions, account top-ups, fees or commissions.
  4. Cashback is capped at EUR 200 per Client per calendar month across all of the Client’s cards.
  5. Cashback for the previous calendar month is credited to the Client’s account with the Bank within 5 business days.
  6. Cashback does not apply to payments to merchants with the following merchant category codes (MCC):
  • 4829 – Money Transfer
  • 6010 – Financial Institutions – Manual Cash Disbursement
  • 6011 – Financial Institutions – Automated Cash Disbursement
  • 6012 – Financial Institutions – Merchandise, Services, and Debt Repayment
  • 6051 – Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency Assets (for example: Cryptocurrency), Money Orders (Not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment
  • 6211 – Security Brokers/Dealers
  • 6540 – Non-Financial Institutions – Stored Value Card Purchase/Load
  • 7322 – Collection Agencies
  • 7995 – Betting, Including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, Wagers at Race Track and games of chance to win prizes of monetary value
  1. If a card payment is refunded or reversed, the Bank debits the cashback paid for it from the Client’s account. This applies after the Campaign Period ends as well.
  2. Cashback is calculated based on the transaction booking date, not the authorization date.

5. 2% annual interest on the balance

  1. The 2% annual interest applies only to New Clients that sign a separate interest agreement (“Naktis+”) with the Bank.
  2. Interest is paid only on funds held in the account named in that agreement.
  3. Interest is calculated daily on the full end-of-day account balance when the balance is at least EUR 10,000. No Campaign interest is paid for a day on which the balance is below EUR 10,000. Where the balance exceeds EUR 1,000,000, Campaign interest is calculated on EUR 1,000,000 only (for example, on a balance of EUR 2,000,000, interest is calculated on EUR 1,000,000). Interest is calculated on a 360-day year.
  4. Interest for the previous calendar month is paid into the named account by the 10th calendar day of the following month.
  5. Campaign interest is calculated for the Campaign Period only. Standard interest rates under the agreement apply after it.

6. 0.15% currency exchange margin

  1. During the Campaign Period, New Clients get a 0.15% (15 basis points) currency exchange margin instead of the standard 2.5% margin.
  2. The margin applies to currency exchange in the Bank’s internet banking and app. The margin does not apply to card payments in a foreign currency.

7. Other terms

  1. The Bank may end the Campaign early or amend these terms at any time. The Bank will announce this on its website at least 5 days in advance. Benefits earned before the end date will be paid as set out in these terms.
  2. The Bank may withhold the benefits and recover paid benefits from a Client that abuses the Campaign, for example by making fictitious or artificially split payments, or by breaching its agreements with the Bank.
  3. The benefits cannot be exchanged for other benefits or transferred to third parties.
  4. Personal data is processed in line with the Bank’s privacy policy.
  5. These terms are governed by the laws of the Republic of Lithuania. Disputes are resolved as set out in the Bank’s agreements.
  6. If the Lithuanian and English versions differ, the Lithuanian version prevails.