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Prices and rates

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.

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Opening accounts

Effective as of 01.11.2023
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 300 €
Legal persons from other states 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); 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

Closing accounts

Effective as of 01.07.2022
Closing an account of a legal person at the initiative of the bank
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 15.06.2023
Account statement from internet-bank free of charge
Account statement from a branch Fee for the transmission of bank documents is added. 10 €
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 Cyprus, Liechtenstein 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 Cyprus, Liechtenstein 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 Cyprus, Liechtenstein 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 €

 

Effective as of 01.01.2015
Currency Annual interest rate
  • Current account interest is presented as a percentage on a basis of year (360 days).
  • Interest is calculated on the account balance as of the end of day and is rounded to two places after the decimal point.
  • Interest calculated on current accounts is transferred to accounts once a month not later than on the third day following the calculating month.
  • Interest calculated over month that remains below 0,05 € is not paid out or transferred into the next month.
  • Account interest for foreign currencies is 0%.
EUR 0.01%

 

Effective as of 01.07.2022
Price
Monthly fee for Payments Plan for Business The Plan is not available for credit institutions, creditors, payment service providers and electronic money institutions. 2 €
Setting up, terminating free of charge
20 payments

Intrabank payment, domestic payment in euros (including instant payment), European payment and Swedbank group payment in the Internet Bank, Swedbank mobile app and Swedbank Gateways, including standing payment orders.

The plan does not include urgent payments and payments that are not made in euros (with the exception of intrabank payments and Swedbank intragroup payments) and e-invoice standing payments.

free of charge
Business Debit Card monthly fee free of charge
Choose the Payments Plan for Business and You will get 20 intrabank, domestic (in euros), Swedbank Group or European payments in electronical channel free of charge. After 20 payments have been made, the subsequent payments will be charged according to the price list.

 

Effective as of 06.12.2022 Effective as of 01.11.2023
Outgoing payments Digital channels ATMs only perform intra-bank and domestic payments in euros. Branches and consultation centre
Intra-bank payment
Intra-bank payment in euros 0,16 € 5 €
Intra-bank payment in foreign currency 2 € 5 €
Intra-bank payment in between client`s accounts free of charge 5 €
Domestic payment (incl. instant payment) and European payment
Domestic payment (incl. instant payment*) and European payment**

*Instant payment can be sent via Internet bank or mobile app Swedbank Eestis if payment amount does not exceed 15 000 €

**Terms and conditions of a European payment:

  • the payment currency is the euro;
  • the correct IBAN is indicated in the payment;
  • the service fee type is ‘shared’;
  • the beneficiary of the payment and the remitter’s bank are located in a country of the European Union and/or the European Economic Area (plus Andorra, Gibraltar, Mayotte, Monaco, Switzerland, San Marino, Saint-Martin, Saint-Barthelemy, Saint-Pierre and Miquelon, the Vatican City, and the United Kingdom (including Guernsey, the Isle of Man, Jersey).
International payment fee is applied when the beneficiary’s IBAN is not indicated in the payment.

0,38 € 5 €
Domestic urgent payment and European urgent payment National or European urgent payments entered before 16.30 on a business day will be transferred in real time via the pan-European TARGET system. A payment order made at any other time will be forwarded to the bank of the beneficiary of the payment on the next business day.
Up to 10 000 € (incl.) 7 € 9 €
Over 10 000 € 30 € 32 €
Payment within Swedbank Group Payments to Swedbank (Latvia, Lithuania, Sweden, Finland, Norway, Denmark) reach the beneficiary's account in the full amount. The beneficiary’s IBAN must be specified.
Within Swedbank Group in euros 0,38 € 5 €
Within Swedbank Group in foreign currency 2 € 5 €
International payment
An ordinary payment
Charges are shared The remitter pays the service fee of Swedbank and the beneficiary pays the service fees of all other banks. 6 € 20 €
Charges paid by remitter The remitter pays the service fees of Swedbank and foreign banks. If the beneficiary's bank's service fee exceeds the amount paid by the remitter for the beneficiary, the current account of the remitter shall be automatically debited with the corresponding difference of service fees. Additionally debited service fee can be 63,91€ at most. This type of payment orders are no longer performed if the payment recipient’s bank is situated in the European Union or the European Economic Area. 25 € 35 €
An urgent payment Urgent payments can be made in the following currencies: AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, PLN, RON, RUB, SEK, SGD, TRY, USD, ZAR.
Charges are shared The remitter pays the service fee of Swedbank and the beneficiary pays the service fees of all other banks. 10 € 30 €
Charges paid by remitter The remitter pays the service fees of Swedbank and foreign banks. If the beneficiary's bank's service fee exceeds the amount paid by the remitter for the beneficiary, the current account of the remitter shall be automatically debited with the corresponding difference of service fees. Additionally debited service fee can be 63,91€ at most. This type of payment orders are no longer performed if the payment recipient’s bank is situated in the European Union or the European Economic Area. 30 € 45 €
An express payment EUR/USD
Charges are shared

The remitter pays the service fee of Swedbank and the beneficiary pays the service fees of all other banks.

If an express payment is European payment then fee for the payment is according to an European urgent payment.

35 € 40 €
Charges paid by remitter The remitter pays the service fees of Swedbank and foreign banks. If the beneficiary's bank's service fee exceeds the amount paid by the remitter for the beneficiary, the current account of the remitter shall be automatically debited with the corresponding difference of service fees. Additionally debited service fee can be 63,91€ at most. This type of payment orders are no longer performed if the payment recipient’s bank is situated in the European Union or the European Economic Area. 45 € 55 €
Incoming payment Fee
Intra-bank payment, domestic payment (incl instant payment, European payment, payment within Swedbank Group) free of charge
International payment
Charges are shared 6 €
Charges paid by remitter free of charge
Other payment services Digital channels Branches and consultation centre
Domestic and international standing order
Setting up, changing, cancelling free of charge free of charge
Execution of a standing order according to outgoing payment price in digital channel (free of charge if to savings deposit)  
E-invoice and E-invoice standing order
Setting up, changing, cancelling free of charge free of charge
One-time payment of an E-invoice according to outgoing payment price in digital channel according to outgoing payment price in branch and consultation center
Execution of an E-invoice standing order free of charge  
Other payment related services Fee
Cancellation, correction, and retrieval of intrabank, domestic, and instant payment The bank will not refund the service fee if the payment transaction cannot be cancelled/corrected/retrieved.
Payment order not sent out of the bank The price does not apply to payments with future value date if the payment is cancelled before the arrival of the payment date. 3,20 €
Payment order sent out of the bank 10 €
Cancellation, correction, and retrieval of a foreign, Swedbank intragroup, and cross-border European payment The bank will not refund the service fee if the payment transaction cannot be cancelled/corrected/retrieved.
Payment order not sent out of the bank or sent out of the bank The price does not apply to payments with future value date if the payment is cancelled before the arrival of the payment date. 20 € + costs of foreign banks
Add inquiries about a foreign payment from a foreign bank foreign bank charges
Copy of the SWIFT/SEPA message
One-time order 10 €/pcs
From digital channels free of charge

 

Effective as of 01.07.2022
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 5 €
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 payed 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 50 000 euros is paid out on a banking day with service fee which agreed with bank beforehand. 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 01.11.2023 Effective as of 01.01.2024
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 5 €

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/Maestro cards. 0,32 € query
Making payments in ATMs and payment terminals using debit cards
intra-bank payment 0,16 €
domestic payment 0,38 €
Copy of a receipt (inquiry)
a transaction in Estonia 4 €
a transaction abroad 8 €
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 € (in case disputing card transaction made abroad, additional costs of the card organizations may apply)
Sending a card from one branch to another one VAT will be added to the price. 2,08 € 2,05 €
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 €
Retrieval of bank cards from other banks from Swedbank ATMs 30 €

 

Effective as of 01.11.2023 Effective as of 01.01.2024
Business Credit Card
issue fee 5 €
monthly fee 3 €
annual interest rate When paying by card there is an interest-free period of up to 30 days from the purchase until the payment date (the 1st calendar day of the following month).Upon withdrawing cash and making a payment from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account. 18%
penalty 0.2% a day
Business Gold Credit Card
issue fee 10 €
monthly fee 10 €
annual interest rate When paying by card there is an interest-free period of up to 40 days from the purchase until the payment date (the 10th calendar day of the following month).Upon withdrawing cash and making a payment from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account. 14%
penalty 0.2% a day

Transactions with credit cards

 
Depositing euros using a credit card in Swedbank terminal in Estonia A limit of 15 000 € per month on cash deposited in ATMs will be applied to credit cards. The fee is charged on the amount that exceeds 5 000 € 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 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
Transfer from credit card limit account according to regular bank transfers pricelist
Replacement of a card 7 €
Statement of transactions
in last month free of charge
a previous month 4 € per month
Amendment of a credit card agreement
increasing of the credit limit at branch 10 €
amendment of the agreement 10 € (excl. changing of usage limits)
amendment of the agreement in Internet Bank free of charge
Debt notice 3 €
Penalty for using a closed card 65 €
Copy of a receipt (inquiry)
a transaction in Estonia 4 €
a transaction abroad 8 €
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/Maestro cards. 0,32 € per 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 € (in case disputing card transaction made abroad, additional costs of the card organizations may apply)
Sending a card from one branch to another VAT will be added to the price. 2,08 € 2,05 €
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 transaction amount
Retrieval of bank cards from other banks from Swedbank ATMs 30 €

Legal persons

Effective as of 01.10.2020
Investment loan, working capital loan
Application of investment loan, working capital loan 1% of the loan amount, but no less than 200 €
Amendment of the agreement 1% of the loan/limit amount, but no less than 200 €
Early loan repayment fee 1,5% of the amount repaid early
Overdraft, revolving credit line
Application 1% of the limit amount, but no less than 200 €
Amendment of the agreement 1% of the loan amount, but no less than 200 €
Obligation fee 2% of the unused credit limit
Apartment association loan
Application 1% of the loan amount, but no less than 200 €
Amendment of the agreement 1% of the loan/limit amount, but no less than 200 €
Early loan repayment fee 1,5% of the amount repaid early

 

Effective as of 01.05.2013
Application up to 1% of the loan amount, but no less than 200 € VAT will be added to the price.
Amendment of other terms and conditions of the agreement
approval of the amendment of the buyer and the buyer limit 65 € VAT will be added to the price.
buyer credit insurance limit inquiry by request of the customer 65 € VAT will be added to the price.
prolongation of the limit up to 1% of the loan amount, but no less than 200 € VAT will be added to the price.
increase of the limit up to 1% of the additional sum per year
amendment of other terms and conditions of the agreement no less than 65 € VAT will be added to the price.
Balance confirmation 10 € VAT will be added to the price.
Factoring report issuing (earlier than previous month) 10 € month VAT will be added to the price.

Vehicle and equipment leasing

In case of full-service lease agreement, all prices are inclusive of VAT.

Vehicles and equipment together with mentioned property.

NB! Legal person price list also applies for the self-employed.

Effective as of 15.06.2023 Effective as of 01.11.2023
Agreement fee 1% of the price of the property, no less than 200 €
Amendment of the lease agreement
changing the payment date (first change is free of charge) 30 €
changing the agreement period, type, collateral (e.g. surety, guarantee); making an additional payment and or additional financing, restoring an agreement, grace period (incl. with prolonging the lease agreement accordingly); other changes. 160 €
Early termination of the lease agreement (gaining ownership of the property)
fixed interest rate agreement the interest sum of up to 6 months following termination
floating interest rate agreement the interest sum of up to 3 months following termination
full-service lease agreement the full-service lease payment sum of up to 1 month following termination
withdrawal from contract at the initiative of the lessee the agreement fee
purchasing of the vehicle by a third party in case of operating and capital lease agreements

The price is inclusive of VAT.

In case of operating lease fee is applicable for early termination and contract expiration.

150 € (in addition to termination fees)
Penalty 0,25% a day
Other services The price is inclusive of VAT.
an unattested power of attorney of giving property to sublessee 50 €
an unattested power of attorney (e.g. exchange of the license plate, amendment of the user data, ordering of keys etc.) 10 €
formalization of Estonian Transport Administration e-service transaction 5 €
notarized power of attorney of the vehicle (e.g. using the vehicle) no less than 75 €
payment of the costs of removing the vehicle (added to the direct costs of removing the vehicle) 30 €
preparation of certificate 10 €
sending a notice on breach and cancellation of the agreement, forwarding a fine 10 €
re-formalization of an invoice (incl. cancelling) 50 €
confirmation of a balance issued by the lessee free of charge
balance confirmations issued by the leaser 10 €
balance comparison notices issued by the leaser 20 €
contractual penalty for delays in the timely return of the vehicle 50 € a day
document processing fee (e.g. archived documents) 30 €
property valuation service (incl. passenger cars, motorcycles, ATVs) 80 €
provision of valuation services on site agreed fee
truck, trailer, heavy machinery (incl. excavators, caravan cars, tractors, loaders, hoists, combine harvesters, couplings, forestry machinery), watercraft and equipment valuation service agreed fee
watercraft, forestry machinery and equipment valuation service agreed fee
provision of valuation services on site, in Tallinn agreed fee
provision of valuation services on site outside of Tallinn agreed fee
  • Further information on payable and paid charges is available from the Bank.
  • If the Bank is obliged to pay taxes, fees, interest, penalties or incur other costs (that are not covered in the Bank’s price list below) for the provision of securities safekeeping and transaction services to the Client, the Bank shall have the right to debit such amounts from the Client’s Current Account without Client consent.

Trading of equities, bonds and Exchange Traded Fund (ETF) shares
  • Percentage based trading fees calculated from trade amount, in certain cases transaction fee will be added.
  • Trading fee is charged in trading currency based on the Bank’s exchange rates.
  • Trading via brokerage is subject to the Master Agreement for Financial Transactions. Information on the agreement is available from the Bank.
  • Trading orders transmitted to the Bank can be cancelled until executed.
  • In case the order is not executed in full during a single trading day, the trading fee (including minimum trading fee) for partial order execution is charged in full for each trading day when part of the order is executed.
  • On certain markets, minimum transaction amounts may apply.
  • A stamp duty of 0,5% of transaction amount on buying UK securities and 1% on buying Irish securities is added to the transaction charges. In certain events, a higher rate (1,5%), a bonus rate or tax exemption may apply for UK securities.
  • If purchase transactions are subject to FTT according to local market regulations (e.g. France, Italy, Spain), such tax is added to the transaction charges.
  • Exchange traded funds (ETFs) are treated as shares.
  • Trading via Swedbank brokerage on other markets is subject to prior agreement with the Bank.

 
Shares and ETF-s Securities account in internet bank
Estonia, Latvia, Lithuania Free of charge
Sweden, Finland, Denmark, Norway, USA, Germany, UK, Canada, Netherlands, France, Belgium, Ireland, Italy, Portugal, Spain, Switzwerland, Austria, Poland, Hungary, Czech 0,14%, min 9,90 €
Russia 0,30%, min 125 €
Shares and ETF-s Branch office Via brokerage
Estonia 0,2%, min 50 € 0,2%, min 50 €
Latvia 0,2%, min 50 € 0,2%, min 50 €
Lithuania 0,2%, min 50 € 0,2%, min 50 €
Sweden 0,2%, min 50 € 0,2%, min 500 SEK
Finland 0,2%, min 50 € 0,2%, min 50 €
Denmark 0,2%, min 50 € 0,2%, min 400 DKK
Norway 0,2%, min 50 € 0,2%, min 400 NOK
USA 0,2%, min 50 € 0,2%, min 50 USD
Germany 0,2%, min 50 € 0,2%, min 50 €
UK (London SE) 0,2%, min 50 € 0,2%, min 50 GBP
UK London International (Russian and other GDRs) 0,2%, min 50 € 0,2%, min 50 USD
Canada 0,2%, min 50 € 0,2%, min 50 CAD
Netherlands 0,2%, min 50 € 0,2%, min 50 €
France 0,2%, min 50 € 0,2%, min 50 €
Belgium 0,2%, min 50 € 0,2%, min 50 €
Ireland 0,2%, min 50 € 0,2%, min 50 €
Italy 0,2%, min 50 € 0,2%, min 50 €
Portugal 0,2%, min 50 € 0,2%, min 50 €
Spain 0,2%, min 50 € 0,2%, min 50 €
Switzerland 0,2%, min 50 € 0,2%, min 50 CHF
Austria 0,25%, min 50 € 0,25%, min 50 €
Poland 0,25%, min 50 € 0,25%, min 200 PLN
Hungary 0,25%, min 50 € 0,25%, min 15000 HUF
Czech 0,25%, min 50 € 0,25%, min 1300 CZK
Russia 0,3%, min 150 € 0,3%, min 150 USD
Bulgaria 0,6%, min 50 € 0,6%, min 150 BGN
Shares and ETF-s Branch office Via brokerage
Estonia, Latvia, Lithuania 0,2%, min 50 € 0,2%, min 50 €
Norway 0,2%, min 50 € 0,2%, min 400 NOK
Sweden 0,2%, min 50 € 0,2%, min 500 SEK
Finland 0,2%, min 50 € 0,2%, min 50 €
Denmark 0,2%, min 50 € 0,2%, min 400 DKK
Belgium, Spain, Netherlands, Ireland, Italy, France, Portugal, Germany 0,2%, min 50 € 0,2%, min 50 €
Switzerland 0,2%, min 50 € 0,2%, min 50 CHF
Austria 0,25%, min 50 € 0,25%, min 50 €
Poland 0,25%, min 50 € 0,25%, min 200 PLN
Hungary 0,25%, min 50 € 0,25%, min 15000 HUF
Czech 0,25%, min 50 € 0,25%, min 1300 CZK
Bulgaria 0,6%, min 50 € 0,6%, min 150 BGN
Canada 0,2%, min 50 € 0,2%, min 50 CAD
UK (London International) 0,2%, min 50 € 0,2%, min 50 USD
UK (London SE) 0,2%, min 50 € 0,2%, min 50 GBP
USA 0,2%, min 50 € 0,2%, min 50 USD
Bonds Internet bank Branch office Via brokerage
Estonia 0,2%, min 3 € - 0,2%, min 50 €
Latvia 0,2%, min 3 € - 0,2%, min 50 €
Lithuania 0,2%, min 3 € - 0,2%, min 50 €
trading in bonds in all other applicable markets via Swedbank brokerage - - 0,5%, min 50 €
transaction fee (all instruments) Included in trading fee Included in trading fee 3€ Baltic markets
4€ other markets
Bonds Internet bank Via brokerage
Estonia, Latvia, Lithuania 0,2%, min 3 € 0,2%, min 50 €
Trading in bonds in all other applicable markets via Swedbank brokerage - 0,5%, min 50 €
Transaction fee (all instruments) Included in trading fee 3€ Baltic markets
4€ other markets

Transactions with investment fund units
  • Percentage based fees calculated from trade amount.
  • Fund orders submitted to the Bank cannot be cancelled.
  • Fund switch subject to the conditions specified in the fund terms, fee charged only on sell transaction.
  • Foreign fund transaction fee includes standard settlement fees charged by the Bank’s Custodians.
  • Other Estonian funds – subscription and redemption fee may be added subject to fund terms.

 
  Subscription Regular investment Redemption Switch
Swedbank Group funds Free of charge Free of charge Free of charge Free of charge
Other foreign fixed income funds
Franklin Templeton funds 0,5% + 7 € 0,5%, min 0,75 € 7 € 7 €
funds managed by other management companies 0,5% + 21 € - 21 € 21 €
Other foreign equity and mixed funds
Franklin Templeton funds 1% + 7 € 1%, min 0,75 € 1% + 7 € 7 €
funds managed by other management companies 1% + 21 € - 1% + 21 € 21 €
Other Estonian funds 1,5 € 0,75 € 5 € 5 €
Other transactions with Estonian securities and fund units Fees charged from both parties of the transaction.
free of payment transaction 4,8 €
against payment transaction 3,2 €
pledge registration / amendment / appropriation 15 €
transfer of pledged securities 30 €
pledge release Free of charge

Other transactions with foreign securities and foreign funds
  • Fees charged from both parties of the transaction.
  • Bank internal transactions are transactions between the securities accounts of the Bank’s clients.
  • Transaction fee includes standard settlement fees charged by the Bank’s Custodians.

 
Bank internal transactions 6 €
Bank external transaction
Latvia, Lithuania 10 €
Belgium, Canada, Denmark, Eurobond, Finland, France, Germany, Ireland, Netherlands, Norway, Sweden, UK, USA 15 €
Austria, Czech Republic, Hungary, Italy, Poland, Portugal, Spain, Switzerland 25 €
Bulgaria, Russia 45 €
foreign funds 45 €
Other transaction fees Cancellation is allowed if instruction is not yet processed by the Bank.
transaction cancellation Transaction fee
other transactions based on bailiff’s instructions Transaction fee
subscription to a new issue / Participating in an offer Transaction fee

Monthly Securities Safekeeping Fees
  • Safekeeping fees are subject to VAT. VAT exemption applies if client safekeeps only units or shares of investment funds specified in the Investment Funds Act or investment/ exchange traded funds of the EEA member state.
  • Safekeeping fee is calculated based on the portfolio value on the last date of the calendar month. Securities are priced according to month end prices of the Bank’s local agents, market price or nominal value. Bonds are priced at nominal value. Fees are debited on the 20th or later date of the following month from the Client’s current account linked to the securities account.
  • ETF safekeeping fee equals to the safekeeping fee of its trading country.
  • Estonian investment funds units safekeeping fee equals to the safekeeping fee of Estonian securities.
  • Safekeeping of Depositary Receipts (ADR, GDR) is subject to the respective DR Agent’s fees in addition to safekeeping fee.
  • Safekeeping on other countries is subject to prior agreement with the Bank.
  • Other investments: Austria, Belgium, Canada, Denmark, Finland, France, Germany, Ireland, Italy, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, UK, USA, Depositary Receipts, Poland, Czech, Hungary, Bulgaria, Russia, foreign funds.

 
Swedbank Group funds Free of charge
Estonia, Latvia, Lithuania Free of charge
Other investments, equities, bonds
Up to 100 000 € Free of charge
From the value above 100 000 € 0,008%
Safekeeping of Depositary Receipts (ADR, GDR) is subject to the respective DR Agent’s fees in addition to safekeeping fee.

Other Services
  • Fees for other services are subject to VAT.
  • Tax relief at source / tax reclaim and general meeting services are subject to availability on each specific market.
  • Maintenance fee is charged in addition to monthly securities safekeeping fee.
  • Maintenance fee is charged in addition to monthly securities safekeeping fee. Actual cost amount depends on the costs of service on each specific market.
  • Tax reclaim fee will be debited as soon as the tax reclaim application is submitted by the client. The fee will be debited from clients cash Account which is linked to securities account. The fee will not be refunded in case the application is denied by third parties.

Participation in general shareholder’s meeting subject to prior agreement
Tax reclaim subject to prior agreement
Tax relief at source subject to prior agreement
Mandatory corporate actions free of charge
Participation through the bank / representing a client at a general meeting 120 € + actual costs
Processing of electronic voting instructions at general meeting 50 € + actual costs
Other corporate action subject to prior agreement
Tax reclaim 60 € + actual costs
Tax relief at source free of charge

 

Effective as of 21.09.2023
Swedbank Gateway Operator's channel Direct channel
subscription, including ordering the device sertificate free of charge 60 €
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 0,12 € per successful payment 0,12 € 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 60 €
monthly fee to Operator as agreed
monthly fee of other banks account services for Operator as agreed
Payment Link monthly fee as agreed

Fees of identification tools used in digital channels

Issuing a company's device certificate The period of validity of the certificate 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. 60 €

Mobile

Effective as of 26.10.2023
Alerts
entry into an agreement free of charge
each alert sent by the bank 0,19 €

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

 

Effective as of 01.10.2020
Guarantees and standby letters of credit
contract fee Fee for issuing the guarantee or stand-by letter of credit. Fee shall also be charged in the event of extending the guarantee or stand-by letter of credit and/or increasing the amount thereof. When increasing the amount of the guarantee or stand-by letter of credit without extending the validity the fee shall be calculated on the increased amount.

validity period up to 1 year (incl.), 0.5% p.a. but not less than 79 €

validity period longer than 1 year, 0.5% of the amount, but not less than 79 €

risk fee Fee for issuing a guarantee or stand-by letter of credit without any cash cover, i.e. for issuing a guarantee or letter of credit without debiting upon issuance the amount of the guarantee or letter of credit from the applicant’s current account. shall be specified separately for each applicant
advising fee Fee for verifying the authenticity of the guarantee or stand-by etter of credit and/or notifying the beneficiary of the guarantee or stand-by letter of credit. 79 €
fee for using non-standard wording Fee for using non-standard wording of the guarantee or standby letter of credit insisted by the beneficiary. The fee shall be calculated as a percentage of the amount of the guarantee or standby letter of credit. Swedbank shall have to have approved the wording in advance. 0,15%, but not less than 100 € and not more than 200 €
amendment fee Fee for amending the guarantee or standby letter of credit, verifying the authenticity of the amendments and/or notifying the beneficiary of the amendments. Fee shall not be applied when extending Swedbank guarantee or stand-by letter of credit and/or increasing the amount thereof. 79 €
fee for handling of a claim Fee for handling the guarantee or standby letter of credit claim documents and/or forwarding the claim documents. The fee shall be calculated as a percentage of the amount of the claim. If the amount of the fee is below the established minimum limit, the fee shall be the corresponding minimum limit. 0,1%, but not less than 150 €
import documentary credits (except standby letters of credit): Swedbank client is the applicant for the documentary credit, i.e. the purchaser of goods or services
fee for opening a documentary credit with cash cover 1% p.a.
risk fee Fee for opening a documentary credit (credit) without any cash cover, i.e. for opening a credit in the event of which upon issuance the amount of the credit is not debited from the applicant’s account. shall be specified separately for each applicant
issuing commission Commission for assuming an irrevocable financial and temporary liability against the seller, i.e. the beneficiary of the credit (beneficiary). The commission shall be calculated as a percentage of the maximum amount of the credit, proceeding from the term of the credit, which is calculated in calendar days. The term shall commence on the day of issuing a credit and expire on the day of expiry thereof. If the amount of the issuing commission is below the established minimum limit, the issuing commission shall be the corresponding minimum limit. The issuing commission shall also be charged in the event of extending the credit and/or increasing the amount thereof.
if the validity of a credit is 1-90 days the issuing commission shall be 0.25% of the maximum amount of the credit, but not less than 100 €
validity 91-180 days 0.5%, but no less than 200 €
validity 181-270 days 0.75%, but no less than 300 €
validity 271-360 days 1%, but no less than 400 €
validity more than 360 days fee as agreed
documentary and/or payment commission Commission for verification of compliance of one set of documents or payment of money on the basis of a credit if the applicant does not wish the documents to be submitted. The commission shall be calculated as a percentage of the value of the documents or the amount of the payment. If the amount of the commission is below the established minimum limit, the commission shall be the corresponding minimum limit. 0,1%, but no less than 100 €
amendment fee Fee for amending the terms and conditions or cancellation of the credit if the applicant or the beneficiary or any other party to the credit has applied for amending the terms and conditions or cancellation of the credit following opening a credit. No fee shall be charged if the beneficiary initiates cancellation of the credit, i.e. refuses the credit. 79 €
deferred payment and/or acceptance fee Fee for the following: the credit is paid out at maturity following the acceptance of the bill of exchange or the credit is paid out on a certain day calculated pursuant to a formula specified in the terms and conditions of the credit. 79 €
fee for release of the goods Fee for assigning the right of ownership of the goods if the goods have been sent to the name of Swedbank. The fee shall be calculated as a percentage of the value of the documents. If the amount of the fee is below the established minimum limit, the fee shall be the corresponding minimum limit. No fee shall be charged if the goods have been sent to the name of Swedbank upon the request of Swedbank. 0.15%, but not less than 79 €
discrepancy fee Fee for time cost and other costs if the beneficiary has submitted documents not in accordance with the terms and conditions of the credit. The fee shall be paid by the beneficiary. 85 € or 100 $ For other currencies the fee (85 €) shall be calculated using European Central Bank’s rates applicable on letter of credit issuing date.
export documentary credits: Swedbank client is the beneficiary of the documentary credit, i.e. the seller of goods or services
advising fee Fee for verifying the authenticity of the credit and/or notifying the beneficiary of a credit of the same. 79 €
documentary Commission Fee for verification of compliance of one set of documents and/or forwarding the same set to the issuing bank in the form they were submitted. The commission shall be calculated as a percentage of the value of the documents. If the amount of the commission is below the established minimum limit, the commission shall be the minimum limit. 0.1%, but not less than 100 €
fee for draft documents examination Commission for verification of compliance of one set of draft documents. Under the same presentation the examination of each extra set of draft documents shall be attached an extra charge. 50€, extra charge 25 €
confirmation commission Commission for confirming the credit. By confirming the credit, Swedbank assumes the payment risk of the issuing bank. The commission shall be calculated as a percentage of the maximum amount of the credit per the maximum term of the risk (in calendar days). The maximum term of the risk shall be, in general, the term of the credit plus the longest possible payment term in calendar days. If the amount of the commission is below the established minimum limit, the commission shall be the minimum limit. shall be specified separately for each issuing bank, but it shall be not less than 100 €
discounting commission Commission for the prepayment or purchase a bill of exchange accepted or a deferred payment undertaking incurred by Swedbank. The commission shall be calculated pursuant to the discounting rate. shall be specified separately for each issuing bank, but it shall be not less than 79 €
payment and/or negotiation commission The commission shall be charged if in the credit Swedbank has been specified as a nominated bank and it negotiates the documents of the credit or pays out the amount of the credit. not less than 0.1%
deferred payment commission Commission for the following: the credit is paid out at maturity after the acceptance of the bill of exchange or on a certain day calculated pursuant to the formula specified in the terms and conditions of the credit. 79 €
fee for assignment of the proceeds The beneficiary may irrevocably assign to a third person a right that it has about the amount of the credit or a part thereof. If the money has been received on the basis of the credit, Swedbank shall pay out the assigned amount without any further orders of the beneficiary. The beneficiary cannot revoke the assignment without the consent of the third person. 100 €
amendment fee Fee for verifying the authenticity of the amendment of the credit and/or notifying the beneficiary of the amendment, as well as fee for refusing the credit and/or revoking the credit if the beneficiary has initiated the refusal and/or revocation before the expiry date of the credit. If the applicant for the credit initiates revocation of the credit, the fee shall be charged from the applicant. 79 €
transfer commission Commission for the following: upon the request of the beneficiary, Swedbank transfers the transferable credit to second beneficiary. The commission shall be calculated as a percentage of the amount of the transferred credit. If the amount of the commission is below the established minimum limit, the commission shall be the corresponding minimum limit. 0.25%, but not less than 150 €
Documentary collections
documents against payment The documents of the collection shall be released to the drawee only following the payment of the amount of collection in full. The fee shall be calculated as a percentage of the amount of collection. 0,15%, but not less than 120 € and not more than 1000 €
documents against acceptance The documents of the collection shall be released to the drawee following the acceptance of the bill of exchange or assumption of the fixed-term payment obligation. The fee shall be calculated as a percentage of the amount of collection. 0,25%, but not less than 150 € and not more than 1500 €
fee for amendment of collection instruction Fee for formalizing amendments to collection instruction, verifying the authenticity of the amendments and/or notifying the drawee of the amendments. 79 €
fee for release of the goods Fee for assigning the right of ownership of the goods if the goods have been sent to the name of Swedbank. The fee shall be calculated as a percentage of the amount of collection. If the amount of the fee is below the established minimum limit, the fee shall be the corresponding minimum limit. No fee shall be charged if the goods have been sent to the name of Swedbank upon the request of Swedbank. 0,15%, but not less than 79 €
fee for protesting a bill of exchange The fee shall have to be paid if at maturity date of the bill of exchange there is no money on the drawee’s account for effecting the payment and Swedbank protests the bill of exchange in accordance with the instructions of the principal of the collection. 100 €
partial payment fee The collection amount is paid out by part payments instead of one payment. The fee is applicable from the second payment for each payment effected. 79 € per payment
communication and postal charges Shall be attached to the documentary credits, collections guarantees and stand-by letters of credit. charges are paid on the basis of the actual cost thereof, the minimum amount thereof is 15 €

Simple certificate

Effective as of 01.07.2022 Effective as of 01.01.2024
Simple certificate 8 €, when issuing from a branch 10 €
Urgent certificate issued on the same banking day (if the certificate is ordered on the same banking day before 1:00 PM 15 €
Certificates for audit firms 20 € per certificate
In the case of groups 20 € per member
Proof of the inquiry made by the tax authority, police, court free of charge
Formalization of powers of attorney free of charge
Special query (including data to an electronic data meedium) 30 €/an hour
Ordering a copy of an original document from the archive 8 € per document
Authentication of a copy of a bank operation 2 €
Issuing copies (incl. digital) of documents related to the client’s transaction The price is inclusive of VAT. 7,50 € 7,38 €
Certificates of credit products
Certificate of existence, conditions, fulfilment, amendments, etc., of a credit product (per credit agreement in Estonian or in English) 8 €
Special or integrated certificate of one or several credit agreements (certificate in Estonian or in English) 30 € an hour
Certificate of loan interest paid previous years (in Estonian or in English) of a credit product (per credit product) 8 €

Sending bank documents

 
By post, inside Estonia 4,17 € 4,10 € VAT will be added to the price.
By post, abroad 8,33 € 8,20 € VAT will be added to the price.
By DHL 12,50 € 12,29 € + the cost from service provider, debited later the basis of an invoice VAT will be added to the price.

Additional settlement services for legal person

 
Settlement consultations 60 € per hour VAT will be added to the price.
Setting a pledge on current account 500 €

Servicing payment cards (for merchants)

Effective as of 01.01.2024
Commission fee on the transaction amount as agreed
phone terminal transaction 0,99% + 0,02 €
smart terminal transaction 1.45%
Fee for a technical device Minimum rental period for terminal is 3 months. If the terminal rental is terminated before the minimum rental period, the Bank shall have the right to debit the early return fee of terminal.
rent of a payment terminal in month VAT will be added to the price.  
stationary terminal VAT will be added to the price. 13 €
mobile terminal VAT will be added to the price. 19,50 €
stationary, mobile terminal VAT will be added to the price. 18 €
stationary terminal with bluetooth connection VAT will be added to the price. 18 €
installation of terminal within 2 banking days VAT will be added to the price. 84 €
installation of terminal starting from agreement signing witin 5 banking days free of charge
replacement of card payment terminal at the client’s request VAT will be added to the price. 21 €
penalty for failure to return payment terminal on time cost of terminal according to certificate
Fee for amendment of payment card service contract 15 €
Early return fee of terminal equal to the sum of rental fees still payable for that moment
Smart terminal purchase fee (Seller: Hansab AS) VAT will be added to the price. 140 €

Servicing card payments in e-commerce

 
E-commerce payments platform
Agreement fee free of charge
Monthly fee free of charge
Commission fee on the transaction as agreed
Payment initiation fee 0,45% of the purchase price, minimum 0,10 €, maximum 0,95 € per transaction
Fee for amendment of agreement 15 €

Payment initiation

 
Agreement fee free of charge
Fee for payment initiation from Swedbank and from other financial institutions 0,45% of the purchase price, minimum 0,10 €, maximum 0,95 € per transaction
Amendments to the agreement 15 €
Authentication fee VAT will be added to the price. 0,11 €

Reports to be ordered - Shopper Profile Report VAT will be added to the price.

 
Basic 105 €
Standard 625 €
Detailed 1300 €

E-invoice

 
E-invoice sending service VAT will be added to the price.
subscription via bank representative 30 €
subscription via internet-bank free of charge
amendment 12,50 €
subscription to domestic e-invoice service The fee will be calculated for each e-invoice sending registration application sent to bank, who is member in cross-usage system. 8 €
The fee for sending a e-invoice (per invoice sent) VAT will be added to the price.
The monthly fee for e-invoices sent through Swedbank Gateway or the Operator Channel is calculated based on e-invoices sent during the previous month.
intra-bank invoice 0,19 €
domestic invoice 0,35 €
e-invoice credit note free of charge
Implementation of the company’s design template in the Swedbank Internet bank VAT will be added to the price. 120 €
Agreement about reports (based on e-invoice agreement) VAT will be added to the price.
e-invoice standing order agreements report fee 9,50€/month
e-invoice standing order agreements payments report fee 9,50€/month
Services not covered by the price list for credit institutions, creditors, payment service providers and e-money institutions are subject to the price list and terms and conditions of Swedbank services.

 

Effective as of 01.09.2016
Current account
monthly fee for current account 20 €
Payments in euros
intra-bank payments Price applicable in Internet Bank for business clients (Package I).
intra-bank payment 0,16 €
payments with Estonian banks Price applicable in Internet Bank for business clients (Package I).
regular domestic payment 0,38 €
payments with Swedbank Group banks Price applicable in Internet Bank for business clients (Package I).
group payment 0,38 €
European payments Price applicable in Internet Bank for business clients (Package I).
European payment 0,38 €
incoming intra-bank, domestic, group or European payment Price applies to all incoming payments with the exception of incoming intra-bank payments from a company’s own account, which are free of charge. 0,12 €
Payments in foreign currencies
incoming intra-bank or group payment Price applies to all incoming payments with the exception of incoming intra-bank payments from a company’s own account, which are free of charge. 0,12 €
Swedbank Gateway
subscription incl. ordering of company certificate 75 €
monthly fee 100 €
alert 0,15 € per alert
account statement for current day 1,50 € per query
Bank link
authentication service not offered
subscription 75 €
monthly fee 15 €
transaction fee 2%, min 0,2 €
Account balance fee (ABF) applies to credit institutions, insurance companies, fund management companies and investment funds, which are supervised by the Estonian Financial Supervision Authority or foreign financial supervision authority.

 

Effective as of 26.04.2021
Currency Based on the reference rate published by the Central Banks:
Account balance exceeding 1 000 000 EUR ECB deposit facility rate
Account balance exceeding 100 000 CHF Swiss National Bank negative interest rate
Account balance exceeding 1 000 000 SEK Sveriges Riksbank repo rate
Account balance exceeding 1 000 000 DKK Danmarks Nationalbank Certificates of deposit rate
  • 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 and is rounded to two places after the decimal point.
  • For calculating the fee, the total balance of all 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.

 

Effective as of 01.11.2023
Cash
Depositing

At bank office

  • will be immediately transferred to the payer’s account;
  • will be transferred to the payer's account within 1 hour.

Amounts paid in at online depositor will be transferred to the payer's account immediately.

In branches and ATMs will be immediately transferred to the depositor’s account.

Amounts deposited via collection are transferred to accounts during the deadline agreed with the collection company.

Withdrawals Payment of the reserved amounts of the euro shall be made on the following 2 banking days after the submission of the reservation application is filed if the reservation application is filed for bank on the banking day before 2:00 PM.
Opening a current account
The decision of current account opening

The decision on whether a current account is opened, or any other product contracts are entered is made within 10 banking days after receiving the fee of enhanced due diligence measures and all necessary documents are submitted.

  • in case of legal entities who are registered in Estonia and represented by non-resident or whose ownership structure includes a non-resident
  • In the case of legal entities who are registered in the European Economic Area;
  • In the case of legal entities registered outside the European Economic Area.
  • In case of legal entities whose field of activity is: provider of payment services, payment institution or e-money institution; producing/sales/purchase of weaponry or ammunition (excl. hunting associations, shooting ranges, sports clubs); currency exchange; production of military vehicles; transportation of cash; co-financing platforms; offering fast credit; mining; production/purchase/sale/brokering of strategic goods.

Bank transfers

 
Incoming payment
Payments in euros are transferred to the beneficiary's account on the settlement day of receipt of the money if beneficiary's details are correct. Payments in foreign currencies are transferred to the beneficiary's account on the value date before 8:00 pm.
Outgoing payment
Payments submitted before 10:00 pm are debited from remitter`s account on the same day, payments submitted after 10:00 pm are debited on the next day (excluding domestic and instant payment).
Outgoing payment Currency Payments are sent to the beneficiaries/correspondent bank Payment order submitted Notes
Intra-bank payment Mass payments made via the Internet bank are made pursuant to the usual intra-bank or domestic payment execution terms. Mass payments with value dates are transferred to the beneficiary's account inside the bank or sent to the beneficiary's bank not later than 10:00 am on the value date. all currencies without delay at all times  
Instant payment EUR without delay at all times, not available in branches and consultation center if beneficiary's bank has joined the instant payment scheme
Domestic payment, European payment, domestic urgent payment, European urgent payment Mass payments made via the Internet bank are made pursuant to the usual intra-bank or domestic payment execution terms. Mass payments with value dates are transferred to the beneficiary's account inside the bank or sent to the beneficiary's bank not later than 10:00 am on the value date. EUR on the same settlement day (T + 0) before 16.30 applies to domestic payments and before 16.00 applies to international payments NB! In brach or consultation centre before 4:00 pm Interbank settlement of domestic payments and European payments takes place five times a day, excluding weekends and public holidays. Urgent payment takes place in real time via settlement system Target 2, excluding weekends and public holidays. Payments made later are sent on the following settlement day, excluding weekends and public holidays
Payment within Swedbank Group EUR on the same settlement day (T + 0) before 5:30 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
Payment within Swedbank Group SEK, USD on the same settlement day (T + 0) before 4:00 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
Payment within Swedbank Group NOK, DKK on the same settlement day (T + 0) before 3:00 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
To Latvia, Lithuania other currencies on the same settlement day (T + 0) before 3:00 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
To Sweden, Finland, Denmark, Norway other currencies in two settlement days (T + 2) at all times Payments made later are sent on the following settlement day, excluding weekends and public holidays
International payments
Ordinary payment all currencies in two settlement days (T + 2) at all times Payments made later are sent on the following settlement day, excluding weekends and public holidays
Urgent payment EUR, USD on the next settlement day (T + 1) before 3:00 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
Urgent payment other currencies on the next settlement day (T + 1) before 2:00 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
Express payment EUR, USD on the same settlement day (T + 0) before 2:00 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
Statements
Ordered periodical statements

Statements ordered through Internet-Bank for business clients are available as of 9:00 am on the banking day following the last day of the period.

Intra-group overdraft interest and group balance statements are available as of the third banking day of every month.

One-time statements from a branch

One-time statements are issued on the same banking day if the number of printed pages is below 20.

Statements longer than 20 pages are issued within 3 banking days.

Securities transactions
Securities transactions

Transaction value date

  • stock exchange transaction: T + 2 or according to market practice T is the transaction date, i.e. the date of agreement / conclusion of the transaction.
  • extra-stock exchange transaction without or against payment: upon agreement between the parties to the transaction from T + 0 to T + n according to the stock market practice. T is the transaction date, i.e. the date of agreement / conclusion of the transaction.

Fund units transaction value date – according to fund conditions.

Transaction realization entries are made:

  • in case of securities registered in the Estonian securities register (Nasdaq CSD SE Estonian branch) transaction value date from 8:15 a.m. until 7:15 p.m. if the securities register gives affirmation;
  • in case of Estonian fund transactions according to fund conditions;
  • vin case of foreign securities and foreign fund when affirmation is given by sub-custodian
Certificates
Issuing a certificate within 10 banking days
payments-settlement-dates-table
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С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

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

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