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Swedbank Gateway

Application for Swedbank Gateway

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Make your accounting and business processes more efficient!

Let your accounting system communicate with banks for you.

  • Quick and secure financial data exchange from local banks to your accounting system.
  • Efficient bookkeeping routines.
  • Real-time money flow notifications.
  • Different signing options and convenient payment processing.

To start using Swedbank Gateway

  1. Select your accounting software and swiftly sign the Swedbank Gateway service agreement via Internet Bank. The agreement can be concluded easily via Internet Bank by the company's legal representative with sole representation rights as listed in the Estonian Business Register. This can be done using Smart-ID, Mobile-ID, an ID card or Digi-ID. If you have restrictions in place in the Business Register or joint representation, submit an application to us to conclude the agreement.
  2. After concluding the agreement, configure the settings in your accounting software.
Conclude agreement

Report technical issue

Swedbank’s partners have completed the technical integration for you. Benefit from automation quickly and without additional developments. You can only use the services developed by the software provider. If you would like access to additional features, please notify the provider.

The business software user does not have to handle the technical development, it is done by the operator. You only have to sign an agreement to start using the services.


Back
  • Acclouding

I will develop software by myself.

Explore a personalised solution for linking your software directly to the bank.

Swedbank Gateway’s extensive range of services allows you to create a solution that best suits your business.

Get acquainted with services

Apply for consultation

Report technical issue

Check partners who are ready to provide technical solutions.

Technical development may require specific client-specific solutions. To sign an agreement, please submit an application.

Access to and information about Swedbank Gateway API is available on the Swedbank Open Banking page.

  • Swedbank Gateway Technical description
  • Generating certificate
  • Terms and Conditions of Swedbank Gateway Service
  • Markets transaction reports Service Description (Version 0.1.0)
  • XSD for validating Markets transaction reports XML file structure (Version 0.1.0)
  • ISO Message Implementation Guide for Cash Management Reports
  • ISO description for payments and examples, Version 1.13 (valid till Nov 15, 2026)
  • XSD validation for payment file structure (for Version 1.13)
  • ISO description for payments, Version 2.2
  • XSD validation for payment file structure (for Version 2.2)
  • ISO payment examples (for Version 2.2)

I want to become a partner.

Become a partner and introduce you customers with various automation possibilities within your program.

Apply for consultation

Report technical issue

Access to and information about Swedbank Gateway API is available on the Swedbank Open Banking page.

  • Swedbank Gateway Technical description
  • Generating certificate
  • Terms and Conditions of Swedbank Gateway Service
  • Markets transaction reports Service Description (Version 0.1.0)
  • XSD for validating Markets transaction reports XML file structure (Version 0.1.0)
  • ISO Message Implementation Guide for Cash Management Reports
  • ISO description for payments and examples, Version 1.13 (valid till Nov 15, 2026)
  • XSD validation for payment file structure (for Version 1.13)
  • ISO description for payments, Version 2.2
  • XSD validation for payment file structure (for Version 2.2)
  • ISO payment examples (for Version 2.2)
  • Get an automatic account statement.
  • Access statements from Swedbank and other banks (Coop, LHV, Luminor, SEB, Citadele, Artea Bankas, Urbo Bankas)
  • Get real-time account information.
  • Check your account balance.
  • Handle domestic, salary, and international payments.
  • Stay informed with real-time updates on your transactions with notifications in the accounting system.
  • Use Payment signing API to approve payments within your accounting system.

Please note! Payments in Swedbank Gateway solution are enabled without the verification of payee.
  • Manage incoming and outgoing e-invoices easily.
  • Receive a comprehensive report about automated e-invoice agreements and payments.
  • Collect money from clients with predefined payment details via Payment link.
  • POS / Payment cards report
  • Currency exchange rates
  • Trading and Capital Markets transaction report
  • Customer based alerts – real time information about transactions to ERP.
  • X-Road enables you to submit VAT returns (KMD), payroll tax returns (TSD) and Employment Register (TÖR) data to the Estonian Tax and Customs Board.
Effective as of 24.04.2025 Effective as of 01.07.2025
Swedbank Gateway Operator's channel Direct channel
subscription, including ordering the device sertificate free of charge free of charge Device certificate period of validity is marked in the certificate's data. Device Certificate is the electronic certificate with which the client’s information system creates the connection to Swedbank Gateway and confirms the messages sent to the bank.
monthly fee free of charge 25 €

Additional services
alert 0,10 € per alert 0,10 € per alert
current day account statement 0,50€/query 0,50€/query
Payment Link 0,10 € per successful payment 0,10 € per successful payment
Payment Link monthly fee free of charge 15 €
monthly fee of other banks account services free of charge 15 €

Fees for Operator
subscription, including ordering the device certificate free of charge Device certificate period of validity is marked in the certificate's data. Device Certificate is the electronic certificate with which the client’s information system creates the connection to Swedbank Gateway and confirms the messages sent to the bank.
monthly fee to Operator as agreed
monthly fee of other banks account services for Operator as agreed
Payment Link monthly fee as agreed

Mobile

Effective as of 26.10.2023
Notification Services
entry into an agreement free of charge
each notification sent by the bank 0,19 €

Fees of identification tools used in electronic channels

Effective as of 18.07.2024 Effective as of 01.07.2025
Sending a PIN-calculator
By post inside Estonia 24,59 €VAT will be added to the price. 24,19 €VAT will be added to the price.
By post, abroad 40,98 €VAT will be added to the price. 40,32 €VAT will be added to the price.

Swift services

Effective as of 01.05.2021
SWIFT services from an account held with Swedbank
SWIFT MT940 – outgoing statement
agreement fee 25 € When concluding MT940 and MT101 agreements for the same BIC/SWIFT code and for the same account at the same time, the agreement fee is charged for only one agreement.
monthly account fee 35 € If MT940 and MT101 agreements apply to the same BIC/SWIFT code and the same account at the same time, the monthly maintenance fee is charged for only one agreement.
SWIFT MT941 – outgoing statement of intra-day account balance 1 € per message
agreement fee 25 €
SWIFT MT942 – outgoing statement of intra-day operations 1 € per message
agreement fee 25 €
SWIFT MT101 – incoming payment order
agreement fee 25 € When concluding MT940 and MT101 agreements for the same BIC/SWIFT code and for the same account at the same time, the agreement fee is charged for only one agreement.
monthly account fee 35 € If MT940 and MT101 agreements apply to the same BIC/SWIFT code and the same account at the same time, the monthly maintenance fee is charged for only one agreement.
making payment orders according to the payments price list in digital channels

Security requirements

Secure banking
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Internet Exploreriga ei saa internetipanka avada.

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

Google ChromeMozilla FirefoxMicrosoft Edge

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

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SWEDBANK AS
Liivalaia 34, 15040 Tallinn
SWIFT code/BIC: HABAEE2X
Reg. number: 10060701

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This is a website of companies offering financial services – Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, Swedbank Life Insurance SE, and Swedbank Investeerimisfondid AS. Before entering into any agreement read the terms and conditions of the respective service. Consult a specialist, where necessary. Swedbank AS does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.