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Open a new business account

Why choose Swedbank?

  • NEW! Video – take a look at how to open a business account in Internet Bank.
  • Debit card with no monthly fees for a year.
  • Intra-bank payments in euros, outgoing domestic payments and Europe payments in the Internet Bank free of charge for a year.
  • The payment terminal -50% from the price list price for 6 months.
  • Opening a securities account - free of charge.
  • E-commerce solutions – Bank Link and card payments with Visa and Mastercard.
Open new account

Payments Plan for Business

From the second year, it is useful join with Payments Plan. For €2 per month you can:

  • make 20 payments in euros in the mobile app or Internet Bank;
  • have the Business Debit Card without monthly fee.

Read more

On the lookout for new customers?

Our business customers get to publish special product and service offers to a large group of Swedbank’s private customers. You make the offer, we take care of marketing and communication!

Find out how to join

Our partner offers for your company

We want to contribute to the success of your business in every way. If you are planning to launch an online store, need user-friendly accounting software, or want to manage contracts conveniently in a digital environment, use the special offers from our partners.

Read more

Business Plan tool

Our Business Plan tool helps you to focus on your ideas and thoughts on a structural manner by helping you to formulate a clear plan for starting and developing a business. Available only in Estonian language.

Read more

  1. Log in as a private customer and fill in the application.
  2. Get a reply from the bank within one hour by phone*.
  3. Sign the agreement via Internet Bank.

Important! The agreement can be digitally signed only by a company representative using Smart-ID, Mobile-ID or ID card.

Opening a business account in Internet Bank is easy
Watch video

*If application is submitted on working days between 9:00 and 17:00. If your application comes in later, we will contact you on the next working day.

For new customers

To conveniently open an account, please book an appointment at a branch.

For non-residents

  • If a legal or natural person in the ownership structure of the company is a non-resident, we recommend booking an appointment to open an account at the Liivalaia or Rävala branches in Tallinn.
  • Make sure you have prepared the necessary documents to open an account.
  • We will make a decision on the application within 10 business days of receiving the enhanced due diligence fee.

Customer can start using:

  • a current account;
  • Business Internet Bank;
  • SWIFT services.


  • The company must have been active in conducting settlements at Swedbank for the last six months.
  • The company has to have a connection with the country where the account is requested to be opened. The opening of an account has to be justified and necessary for the business activities of the company.
  • The documents necessary for account opening have to be in English.

The time it takes to open an account will depend on the chosen bank.

The requested information contains personal data and we will process such personal data in accordance with Bank’s Principles of Processing Client Data.

The starting account is necessary for newly founded companies for depositing the share capital. The starting account can be opened electronically through the Company Registration Portal. As soon as the company is registered in the e-Business Register, you can convert the starting account into a current account remotely or at a branch and start using it.

For the sole representative it is possible to open an additional current account remotely in the Internet Bank. In all other cases, please book an appointment.

Open an additional account

Group account is simple and effective management of funds. Group account is a book account where the assets consist of the balances and reservations on the current account of group members and the overdraft of the group.

Find out more

Open an account in Swedbank Group countries without leaving your home country. The service is intended for customers who wish to open a foreign account with Swedbank Group banks in Latvia, Lithuania, Sweden, Norway, Finland and/or Denmark. For further information, please contact us.

Find out more

Opening accounts

Effective as of 01.02.2022
Opening an account free of charge
Fee for enhanced due diligence measures The fee will be paid before bank makes an account opening decision. The fee is not returned if the bank decides not to open the account. The fee will not be applied for each consecutive account opening.
Estonian legal persons with non-residents included as representatives or in the ownership structure 300 €
Legal persons from European Economic Area (excl. Cyprus, Luxembourg, Malta, Liechtenstein) 300 €
Legal persons from other states (incl. Cyprus, Luxembourg, Malta, Liechtenstein) 500 €
Legal persons whose field of activity includes: Provider of payment services, payment institution or E-money institution; producing/sales/purchase of weaponry or ammunition (excl. hunting associations, shooting ranges, sports clubs); gambling; currency exchange; production of military vehicles; transportation of cash; co-financing platforms; offering fast credit; mining; production/purchase/sale/brokering of strategic goods. 500 €
Opening an account in banks of Swedbank Group
Opening an account in banks of Swedbank Group via Swedbank Estonia 200 € + courier service fee According to courier service provider.
Entry into additional contracts, amendments and specimen signature cards in a bank in the Swedbank Group via Swedbank Estonia For a customer of Swedbank Estonia whose account is with a Swedbank Group and for a customer of a Swedbank Group whose account is with Swedbank Estonia. 15€+ courier service fee According to courier service provider.
Sending identification tools and cards to banks in the Swedbank Group via Swedbank Estonia For a customer of Swedbank Estonia whose account is with a Swedbank Group and for a customer of a Swedbank Group whose account is with Swedbank Estonia. 15€ + courier service fee According to courier service provider.
Opening a start-up account free of charge
Deposits free of charge

Closing accounts

Effective as of 01.11.2021
Closing an account of a legal person at the initiative of the bank
Closing an account of a passive client A client who has not made transactions and not used Swedbank Group’s contractual services during the last 3 years and whose client data have not been updated by the due date is considered to be passive. up to 10 € The fee only applies to the balance remaining on the account on the day the account is closed. The fee is client-specific.
Closing an account and terminating other agreements in compliance with requirements arising from legislation Fulfilment of obligations arising from the Money Laundering and Terrorist Financing Prevention Act and other legislation. up to 130 € The fee only applies to the balance remaining on the account on the day the account is closed. The fee does not apply to clients who have been assigned a monthly service fee. The fee is client-specific.

Account information and handling

Effective as of 01.02.2022
Account statement from internet-bank free of charge
Account statement from a branch Fee for the transmission of bank documents is added. 5 €
Monthly fee of Baltic Reports in internet-bank for business clients Baltic Reports means a daily consolidated report of the balance of funds on current and group accounts and in the overnight deposit opened in Swedbank (Estonia, Latvia, Lithuania) of a company or companies belonging to the same group. 13 €
Monthly fee of Baltic Reports for the customers of the group account module in internet-bank for business clients 6,40 €
Current account default interest rate 0.2% a day
Monthly fee for servicing a client

Fee for a legal person for whom regular enhanced due diligence measures are required due to geographical location, complicated ownership structure and/or field of activity. Applying the fee will be announced 30 days in advance. Fee is applied for legal persons:

  • who are registered in Malta, Liechtenstein, Cyprus or outside the European Economic Area
  • whose owners or beneficial owners include at least one person, who’s personal identification document has been issued in Malta, Liechtenstein, Cyprus or outside the European Economic Area and who is not a resident of Estonia; Person who does not have a passport or ID card or other identification document issued by the Republic of Estonia.
  • whose structure includes at least one company that is registered in Malta, Liechtenstein, Cyprus or outside the European Economic Area;
  • whose field of activity includes producing/sales/purchase of weaponry or ammunition (excl. hunting associations, shooting ranges, sports clubs); gambling; currency exchange; production of military vehicles; transportation of cash; co-financing platforms; offering fast credit; mining; production/purchase/sale/brokering of strategic goods.
50 €
Account balance fee Account balance fee is presented as a percentage on a basis of year (360 days) and is equal to the respective currencies published by the central banks' interest rate. Account balance fee is calculated on the account balance at the end of a day (group account balance in case of group) and is rounded to two places after the decimal point. For calculating the fee, the total balance of all current accounts of the client in the given currency will be taken into account. Account balance fee calculated on current accounts is debited from account once a month not later than on the 10th day following the calculating month. Fee is not applied if the published central bank interest rate is 0 or positive. Application of fee will be announced 30 days ahead.
In case account balance exceeds 1 000 000 EUR
ECB deposit facility rate
View full pricelist
  • You shouldn’t confirm transactions or logins to Internet Bank or app, which are not initiated by you under no circumstances.
  • You shouldn’t ever disclose your personal data or data used for login to Internet Bank and app to other persons, including family members, friends or bank employees, unless you are calling to the bank.
  • Do not write down, send by e-mail, SMS, etc. or otherwise save any confidential codes and passwords to unlock the screen of your computer or mobile phone. Create complex passwords, that are difficult to guess, memorise them and change them regularly. When creating PIN codes, be sure to make PIN codes in random number combination. Do not use combinations, such as 1111, 1234, dates of birth other personal details etc.
  • Remember that your User ID number is as important as your personal code, thus pay a great deal of attention to its security.
  • Keep in mind that after login you will have access to many services including external ones which do not require additional authentication.

We will also automatically block access to Internet Bank if incorrect login data (User ID or code from the PIN code generator) is entered 5 times in a row.

You can unblock it by calling us at 6132222 / 6310310 (from 8:00 to 20:00 on working days, and from 9:00 to 16:00 on Saturdays). In case of a repeated block, you will have to visit the bank’s branch. You should book a visit in advance. Have you discovered any unauthorised transactions on your account performed prior to the blocking of Internet Bank access? Review your account statement and submit the information to us.

The login session is terminated when no activity happens for 5 minutes. You will be asked to re-enter your login details. Time limits are used for security reasons, to prevent Internet Bank access if a user forgets to log off from his/her account after finishing using the Internet Bank.

Once you finish Internet Bank session, log off (by clicking 'Logoff') and close the browser.

On the computer:

By clicking on the lock sign you should see the correct Swedbank certificate:

On the smart device:

Before entering your login data, make sure that the website domain is “”.

When accessing Internet Bank via a laptop or stationary computer, follow these safety measures:

  • Install antivirus software and configure it to automatic update of the virus definitions database (at least one auto-update per day).
  • Install the local firewall. It should be configured so that it prevents connections from the Internet to your computer.
  • Use the latest browser and operating system available.
  • Turn on automatic updates for all software. If it cannot be updated automatically, regularly check on its ESTest software.
  • Set your browser to block pop-ups.
  • Make sure you are using antivirus software that automatically updates the threat library at least once a day.
  • Use a firewall that prevents logging in to your computer remotely.
  • Make sure your Operating System and browser are up-to-date.
  • Turn on automatic updates for your software. If automatic updates are not possible you should check for updates on a regular basis.
  • Set your browser to block pop-ups.
  • More information on the ways to secure your device and to safely use other Internet services is available on the following websites:

  • Download applications only from trusted sources such as the App Store, Google Play or Windows Phone Apps – Microsoft store.
  • Do not allow other persons to use your phone or tablet were Swedbank App is installed.
  • Do not reveal the screen lock codes to other persons and do not allow to unlock your phone with other persons’ biometric data.
  • Use antivirus software.
  • Always adhere to the requirements or security alerts of the manufacturer of your phone device.

What are safe browsers?

We encourage you to update your browser and operating system version as soon as update is released. These updates can be set up automatically for better security and experience in our digital channels. We officially support these browser versions:

  • Google Chrome 85 and later;
  • Microsoft Edge 85 and later;
  • Mozilla Firefox 80 and later;
  • Safari 14 and later.

What else should you know about security?

  • Do not share your personal authentication means. If you want to give your family members or your employees rights to manage funds on your accounts, please, request the Bank to grant them respective rights. They will be able to use company’s accounts on behalf of their own and by using their own personal authentication means. You can revoke these rights at any time. It is also possible to order a supplementary card linked to your account for a family member to use. Sharing the same authentication mean between the employees or family members is strictly forbidden.
  • Remember, that security of all your data (User ID, PIN codes, mobile phone number provided to the bank, personal number, etc.) is the key for protecting an access to your money.
  • If you’re using a public computer, avoid entering personal information as there might be malware that records your details.
  • Do not keep User ID number together with authentication means and their confidential codes.
  • Never send authentication data by email.
  • Never disclose your login information, unless you are initiating the call with the bank. No one has the right to request you to provide your personal number and authentication mean by phone. If you receive a call from a person stating he is an employee of the bank, end the conversation immediately.
  • Your Smart-ID or PIN code generator PINs should not coincide with any part of your phone number or the sequence of numbers.
  • Always compare control number and read “see what you sign” if available.
  • By entering PIN2 of Smart-ID you are usually confirming a payment or an agreement. Be extra careful when doing it.
  • You will get an SMS when new Smart ID account is created. Contact bank immediately if it wasn’t you who created Smart ID.

When shopping online, be prudent with your personal and financial data. Properly assess the threats, which you may encounter on the internet. We recommend to ensure protection of personal devices and always follow these safety tips:

  • Shop in reliable shops only. It is always safe to buy goods and services in well-known Estonian and foreign e-shops with a good reputation. Take a critical approach to unknown sellers and try to find out more information about their activity. Study public internet feedback about a specific online shop. Find out whether the website presents detailed contact data of its administrator (address, phone, email, etc.), and make sure it does not contain various errors in their links (additional words or letters, strange symbols), popup windows, advertisings, a great number of links instead of informative content.
  • Be cautious about discounts. You have found a high-quality product offered at a particularly low price? Before making a payment order, be sure that the company that offers the product really exists and is trustworthy. Be careful about advertisements in social networks. They may lead you to a fake online shop.
  • Safe shopping by card. When shopping in foreign e-shops, the most common way of payment is by card. In this case you will have to indicate the details of your payment card. If an online shop participates in international security programmes, special logos such as “MasterCard SecureCode”, and “Verified by Visa” for Visa cards are used in this shop. You may be redirected to Internet Bank to confirm payment transaction by logging in. Learn more about “Safe online shopping” programme here. Before making payment in online shop, please evaluate safety of such online shop and study public internet feedback about its activity.
  • Safe payment via electronic banking system. When shopping in Estonian online shops, usually you will be redirected to Swedbank Internet Bank account. You will recognise it from the Swedbank logo and Internet Bank address: confirms that payment is made directly through the bank system. After you enter your login details, the website will automatically display the generated payment form.
  • Third party providers. As of 14/09/2019, when you shop online, you might be offered to use payment initiation service, offered by payment institution (PISP), other than the bank, to pay for goods or services. If you choose to initiate payment from your account, kept with the bank, you might be asked to fill in the payment order form in the PISP’s environment, and give your consent to transfer data, necessary for performance of payment transaction, and later to confirm payment order with the Swedbank Internet Bank authentication mean. If you have noticed any transaction in the account statement, not authorised by you, inform us immediately by calling 6132222 (for business clients) or 6310310 (for private clients).

It is important for us at Swedbank that our customers can feel safe and secure when managing their monetary affairs with our electronic channels. Therefore, we seek to ensure the highest security level in IT systems. Despite this, an error may slip by. If you have found a security flaw, we would like to hear more about it to be able to correct the problem as soon as possible.

How do you report?

Send an email to us in your local language at Optionally, you can use our public PGP key to protect the information you send over. Make sure to have included the following information:

  • Detailed description of the vulnerability containing such info as URL and type of vulnerability;
  • The necessary information that we need in order to reproduce the problem;
  • If applicable, a screenshot of the vulnerability you have found;
  • Contact information, name and surname, email, phone number, and your public PGP key (if you have one).

This personal data submitted by you will be processed by Swedbank in order to inform you about the analysis of IT security flaws noticed by you and their correction, and, if necessary, to contact you regarding the revision of the information submitted by you. More information about Swedbank’s data processing procedure is available here.

What can you report?

You can report security flaws that you have found in any of our services. Examples of security flaws are cross-site scripting, flaws in encryption or flaws with security implications in logic controls. The reporting service is not designated for other logical errors, errors in texts, questions about our services, questions about the security of our services or similar.

What can you expect from Swedbank?

We will confirm that we have received your description, continuously keep you updated while we process the issue, and inform you when the issue is fixed. Claims for compensation as a condition for sending in a vulnerability are not accepted.

What is required from you?

It is important for both us and our clients that you follow good practice, i.e. that:

  • You do not use the vulnerability to access or attempt to access information that does not belong to you;
  • You do not use the vulnerability to remove or modify information;
  • You do not affect the availability of our services;
  • You give us an opportunity to fix the reported vulnerability before going public with it.

Can you file a report anonymously?

Yes, but then we cannot respond back and keep you updated on the status.

PGP key

Use this PGP key if you want to send us an encrypted e-mail. But using it is not required.

Key ID: 0x0AD6CCAF

Control code: 2D14 4030 6D4B 68C3 F286 3AC6 333B E8E4 0AD6 CCAF

If you need additional funds to start or grow a business, check out the different options for financing investments and working capital.

A convenient solution for both customer billing and the increase of sales. Reduce the cost of cash handling.

Get a personal consultation for your company with our experts at a time convenient for you.

Book an appointment at branch

Useful links

Contact details

The Corporate Client Consultation Centre is here to help you.

Swedbank logo

Internet Exploreriga ei saa internetipanka avada.

Palun kasuta Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i.

Alates 23. märtsist ei ole võimalik Internet Exploreri veebibrauseri kaudu Swedbanki internetipanka avada.

Internet Exploreri kaudu ei saa teha ega kinnitada Swedbanki makseid ka teistel veebilehtedel.

Soovitame kasutada Internet Exploreri asemel Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i uusimat versiooni. Nende seadistamise juhendid leiad siit.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Klienditugi - Инфо и помощь - Customer service: +372 6 310 310

  • Teie operatsioonsüsteem ja veebilehitseja ei ole kaasaegne ega toetatud Swedbank internetipanga poolt. Palun uuendage oma operatsioonsüsteem ja veebilehitseja või pöörduge vastava IT tehnilise spetsialisti poole.
  • The operating system of your device & your browser are too outdated to be supported by Swedbank Internet Bank. Please, update the operating system & browser or turn to IT specialist for technical help.
  • Ваш браузер или операционная система недостаточно современны для использования в интернет банке Swedbank. Пожалуйста обновите операционную систему и браузер или обратитесь за технической помощью к ИТ специалисту.

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