Open a new business account

Is your hobby growing into business?

It’s convenient to manage the company's finances in the bank where you do your everyday banking.

Bank card and payments free of charge for a year
Compatibility with most financial software and online stores
Opening a business account in the Internet bank in a few quick steps

In the first year, a bank card, as well as intra-bank, domestic and European payments in the Internet bank are free of charge for start-up entrepreneurs.

Bank card for businesses

Conveniently keep an eye on your incoming and outgoing payments in real time with Swedbank Gateway. This is a solution that connects your financial software with our banking services.

Read useful advice on how to start a business, find clients, and prepare a business plan in our blog. You will also find exciting stories of other entrepreneurs there.

Read the blog

Submit your application on a working day from 9 a.m. to 5 p.m., and we will contact you within an hour. If you submit your application at a different time, we will call you the next working day.

Log in, click “Open an account”, and fill out the application.
We will contact you within an hour and you’ll have a new account.

Contracts can be signed in the Internet bank by company representatives using Smart ID, Mobile ID or an ID card.

It’s a temporary bank account of a newly founded company where the company’s share capital is held.

A start-up account can be opened in the the E-Business Register.
As soon as the company is registered in the Business Register, you can turn the start-up account into a bank account in the Internet bank or a bank branch, and start using it.

First, open a current account as a private customer or book an appointment at one of our branches.

If the owners of the company include non-residents or foreign companies, the most convenient way to open an account is to book an appointment at the Liivalaia branch in Tallinn.
Before the meeting, please make sure that you have prepared the necessary documents for opening an account.
We will make the decision within 10 working days after receiving the enhanced due diligence fee.

The fee is expressed as a percentage per year (360 days) and is equal to the interest rate published by the central bank of the relevant currency. Interest is calculated daily on the end-of-day balance that exceeds the limit and is rounded to two decimal places. The fee is calculated on the basis of the aggregate balance of all the client’s current accounts in a given currency (excluding accounts belonging to the group). The calculated fee is debited from the client’s account once a month, on the 15th day of the month following the month of invoicing, at the latest. The fee does not apply if the interest published by the central bank is zero or positive.

Example: If the total end-of-day balance on the current accounts is EUR 2,000,000 and the interest rate of the European Central Bank is -0.5%, then the account balance fee for that day is 2,000,000 - 1,000,000 = 1,000,000 * 0.5%/360 = EUR 13.89.

The fee is expressed as a percentage per year (360 days) and is equal to the interest rate published by the central bank of the relevant currency. Interest is calculated daily on the end-of-day balance of the group account that exceeds the limit and is rounded to two decimal places. The calculated fee is debited from the client’s account once a month, on the 15th day of the month following the month of invoicing, at the latest. The fee does not apply if the interest published by the central bank is zero or positive.

Example: If the total end-of-day balance on the group account is EUR 2,000,000 and the interest rate of the European Central Bank is -0.5%, then the account balance fee for that day is 2,000,000 - 1,000,000 = 1,000,000 * 0.5%/360 = EUR 13.89.

Price list in the first year
Opening an account	free of charge
Opening a start-up account	free of charge
Monthly account fee	0€
Euro payments	0€
Corporate debit card (monthly fee)	0€
From the second year, we recommend joining the Payment Plan for Business.

Open a new business account

Is your hobby growing into business?

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