Provider profile · 2026 edition
Mano Bank review 2026: scores, fees and alternatives.
A Lithuanian specialised bank with a fintech offer.
WhatsApp and Telegram +44 7563 115980
[email protected]
A Lithuanian specialised bank with a fintech offer.
Mano Bank scores 3.8 out of 5 (76 out of 100) in the Buckingham Intelligence Safeguarding Banks Index 2026 and ranks 3 of 14. It is strongest for EU EMIs and PIs wanting fixed published safeguarding fees, with 5 out of 5 for published pricing. Not published or not stated on the pages read: who it serves, products, pricing, onboarding, technology and protection and scale.
Scores from the Safeguarding Banks Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For E-money institutions | 77 | 3 of 14 |
| For payment institutions | 77 | 3 of 14 |
| For firms applying for a licence | 74 | 3 of 14 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
EU EMIs and PIs wanting fixed published safeguarding fees.
What Mano Bank publishes on its own pages, read on 21 October 2026.
A Lithuanian specialised bank with a fintech offer. It publishes safeguarding, segregated and correspondent accounts for e-money and payment institutions at a fixed opening and monthly fee, SEPA Instant and SWIFT payments, sending in 12 currencies, and a full document list for companies registered abroad. Euro balances of non-residents and financial institutions carry a daily balance fee, no interest is published and no opening timeline is stated.
| Fact | What the provider publishes |
|---|---|
| Legal status | "Mano Bankas AB holds a specialised bank license and operates under the supervision of the Bank of Lithuania"; the licence was "Issued by the European Central Bank through the Bank of Lithuania". Company code 112043081; footer links to "Specialised bank licence No.1". |
| Who it serves | Safeguarding account "Tailored specifically for electronic money and payment institutions". A separate tariff applies to "Non-Residents & Financial Institutions", which covers legal entities established abroad or with foreign owners or controllers, and firms in currency exchange or cryptocurrency trading. "Residents of certain countries and territories are not permitted to open accounts." Minimums not published. |
| Products | Safeguarding, segregated and correspondent accounts; "Each of our bank accounts comes with an internationally recognised IBAN number"; current accounts; SEPA, SEPA Instant ("Instant euro payments up to €100,000, available 24/7") and SWIFT; funds held and sent in AUD, CAD, CHF, DKK, EUR, GBP, NOK, PLN, RON, SEK, USD and ZAR, received in CAD, EUR, SEK and USD; currency exchange in the online bank; a dedicated consultant. Agency banking and direct scheme membership not stated. |
| Pricing | Non-Residents & Financial Institutions tariff: "Safeguarding / Segregated / Correspondent account opening" "500 € for each account"; maintenance "200 € / month, for each account"; "Customer data verification" and "Initial KYC Check-Up" each "From 1 000 €". Euro balance fee from "0.03 € per day per 1.000 €" (up to 100,000 €) to "0.08 € per day per 1.000 €" (above 3,000,000 €); the tariff does not say whether safeguarding balances are excluded. Outgoing SEPA 1 €, SWIFT 30 €; correspondent payments "Individual pricing will be applied". No interest published. |
| Onboarding | "You may open a bank account by submitting the required application and supporting documents remotely" or at the Vilnius branch. Published document list for companies registered abroad: register extracts no older than 3 months, articles of association, shareholder structure, identity documents of the manager and board, and last year's financial statements; "Documents are accepted only in Lithuanian or English and must be apostilled". Financial institutions submit "additional documentation relating to the relevant activity". No timeline; accounts before authorisation not stated. |
| Technology | "Integrate your systems with Mano Bank via our API." "Automate payments, monitor balances and access transaction details with ease"; developer portal. Real-time balances and reconciliation reports not stated. |
| Protection and scale | Deposit protection information linked from the site footer. Published 2026 Q2 figures: "€764M" total assets and "€230M" deposits from customers. No fintech client numbers published. |
| Date read | 21 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 21 October 2026 from: mano.bank/en/fintech/accounts, mano.bank/en/fintech, mano.bank/en/fintech/payments, mano.bank/en/fintech/correspondent-payments, mano.bank/en/prices, mano.bank/en/faq, mano.bank/en/about-us.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Safeguarding Banks Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| ClearBank | 4.2 | 1 of 14 | EMIs and PIs needing direct UK and EU scheme access |
| European Merchant Bank | 3.8 | 2 of 14 | EU EMIs wanting a published safeguarding tariff |
| Memo Bank | 3.6 | 4 of 14 | EU firms wanting interest on safeguarded euros |
| Magnetiq Bank | 3.5 | 5 of 14 | EEA EMIs and PIs still in the licensing queue |
| Banking Circle | 3.5 | 6 of 14 | Multi-currency safeguarding across the UK and EEA |
| Bank of London | 3.5 | 7 of 14 | Firms opening accounts during authorisation |
| Griffin | 3.2 | 8 of 14 | Dedicated per-customer safeguarding accounts |
| LHV Bank | 3.0 | 9 of 14 | GBP and EUR safeguarding with agency banking |
| Starling Banking Services | 2.8 | 10 of 14 | UK payment firms wanting their own sort code |
| Solaris | 2.2 | 11 of 14 | A second safeguarding account for licensed EMIs and PIs |
| CaixaBank | 2.1 | 12 of 14 | Payment firms licensed or passported into Spain |
| BNY | 1.9 | 13 of 14 | Large EMIs investing safeguarded cash in money market funds |
| Sutor Bank | 1.9 | 14 of 14 | Digital e-money and payment firms using banking as a service |
Side by side on every criterion, fact and award.
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