Cash transactions

Where there’s a need, a solution awaits

For handling your business cash, you have these convenient options:

cash deposits in euros at Swedbank-logo ATMs across Estonia and cash withdrawals worldwide;
cash collection and delivery services through our trusted partners.

The best solution for your company depends on your cash turnover volume and location.

Use your Swedbank-issued Business bankcard for seamless cash deposits at Swedbank-logo ATMs in Estonia.
Locate the nearest ATM and check its hours.
ATMs differ in technical capabilities. You can insert up to 100 banknotes at once for deposits.
For smooth processing, straighten and neatly stack your banknotes – free of stickers, clips, or notes – or the ATM may reject them.

Withdraw cash worldwide at any ATM accepting Mastercard.
Locate nearby Swedbank-logo ATMs and their hours.
Decrease or increase limits – via Internet Bank for Businesses or Mobile App.
ATMs dispense up to 1,000 EUR euros per transaction – for larger amounts, repeat the action.
Always retrieve your card and cash before leaving the ATM.
Note: Non-Swedbank-logo ATMs may charge extra fees from the service provider.

You can also withdraw cash in many stores when paying for your purchases. You can find the nearest merchants offering this service on the contacts page.
You can withdraw up to 100 euros per purchase.
Availability varies by merchant – check the possibility before the purchase. Merchants may decline if their cash drawer is low.
Your requested cash amount adds to the purchase total, shown on the receipt, and counts toward your card purchase limit.
A service fee may apply for merchant cash withdrawals.

Interested in offering cashback to your customers? Contact us sending a bank message.

Streamline your company’s cash flow with secure and efficient cash collection service, which includes:

flexible collection and transport timed to your operations for maximum security;
expert handling, storage, and direct deposit to your designated bank account;
smart Safe deposit boxes for convenient, on-demand deposits – collected only when full allowing for timely accounting.

Boost operational safety with secure transfers – no manual handling or bank visits required.

Get cash delivered securely to address in Estonia.
Schedule deliveries at your preferred time and location for a seamless experience.
Trusted cash handling partners deliver EUR banknotes and coin packages tailored to your business needs.

Cash collection and delivery services are offered to Swedbank customers by trusted providers: Brink’s Estonia OÜ and Hansab AS. These services cover Estonia using specialized secure vehicles.

To get more information and tailored offer, contact your preferred provider.

Available for Swedbank customers – to your accounts only.
Locate the nearest cash-service branch
Currency exchange isn’t available in person – deposit cash in euros to your account first, then exchange. Learn more about the currency exchange.

Companies can withdraw cash in euros from Swedbank accounts at any cash-service branch.
Locate the nearest cash-service branch.
For large cash withdrawals of 10 000 EUR or more orders must be placed by 13:00 at least two business days in advance. Application can be submitted via Swedbank Internet Bank.

The bank cannot accept or exchange EUR banknotes missing visible security features or clear denomination due to damage like burning, oil stains, discoloration (from paint, ink, powder, washing, etc.), or any alteration to their original colouring.
Damaged coins – scratched, mechanically altered, or changed from their original state – are also not accepted.

Effective as of 01.11.2025

Cash deposit and cash withdrawal into/from one’s own account at a branch (excl. coins)	0,50%, min 10 €
Cash deposit directly into a Swedbank Group company account at a branch (only for Swedbank clients) Payment can be made to the account of Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, and Swedbank Life Insurance. In case of coins, the deposit service fee for adding coins to the account will be added.	0,50%, min 10 €
Deposit and withdrawal of coins to/from an account	5%, min 10 €
Verification of a banknote	0,20 €/banknote
Cash deposit and cash withdrawal in euros through the cash transport services provider Cash transport service provider transports only euros. Fee for cash transport is paid to cash transport service provider by client.	free of charge
Cash reservation
Reservation of large amounts of cash The size of the sum as of which cash needs to be reserved is 10 000 € (banknotes) and 500 € coins. The reservation application must be submitted to the bank not later than by 2.00 p.m. Reservation over 30 000 euros is paid out by agreement with the bank, generally within two working days. Unreserved euro coins will be paid out up to a maximum of 500 € in one branch per day, provided that the requested amount or nominals are available at the branch. Payment of reserved euro coins is subject to an agreement between the bank and the client.	free of charge
Fee for cancelling a reservation	50 €

Effective as of 02.02.2026

Business Debit Card
Issuing the first debit card associated with a client	free of charge
issuing subsequent debit cards	2.50 €
monthly fee	2 €
renewal	free of charge
A temporary ATM card (valid for 1 month)
opening	10 €
Ordering an express card You can order an express card by calling 6 132 222 or at our branch. The card can be delivered by courier to your company contact address or to the branch. Ordering a new card and replacing an existing card: If the card is ordered before 12 o'clock on a business day, it will arrive on the next business day. If the card is ordered after 12 o'clock on a business day, it will arrive on the following business day.	30 €

Transactions with debit cards

Depositing euros using a debit card in Swedbank terminal in Estonia A limit of 15000 € per month on cash deposited in ATMs will be applied to debit cards. The fee is charged on the amount that exceeds 5000 € per calendar month and the cash is deposited in home bank’s terminal. The service fee is client-based and calculated based on a calendar month.	up to 5000 € per calendar month free of charge; 0.3% of the amount exceeding 5000 € per month
Cash withdrawal
from Swedbank ATMs (incl. Estonia, Latvia, Lithuania, Sweden) ATM in Sweden is Bankomat.	0.19 € + 0.3% of the amount
From other bank’s terminals in Estonia and abroad The service fee according to the operator’s price list may be added for the use of another operator’s ATM.	2 € + 2.5% of the amount
Balance inquiry and statement in Swedbank’s terminals in Estonia	free of charge
Balance inquiry in other bank’s terminals in Estonia and abroad 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 cards.	0.32 € query
Demand for refund, unjustified
a transaction in Estonia	12 €
a transaction abroad In case disputing card transaction made abroad, additional costs of the card organizations may apply.	16 €
Sending a card from one branch to another one VAT will be added to the price.	2.05 € 2.02 €
Sending a card by mail	free of charge
Conversion fee for transactions in foreign currencies Added to the amount of every transaction made with the card if the card transaction is in a currency other than the euro.	1% of the transaction amount
Penalty	0.2% a day
Penalty for using a closed card	65 €