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ETFs

A simple way to start investing

ETFs are investment funds whose shares (units) are traded on stock exchanges.

Why opt for ETFs:

  • ETF transactions are as simple as trading stock
  • A possibility to create a diversified portfolio of securities on your own quickly and simply
  • Lower fees as compared to buying each stock individually

What are ETFs (exchange-traded funds)?

ETFs are investment funds (mutual funds) that are listed on stock exchange and may consist of several asset classes, such as equities, bonds, commodities.

  • By just one investment you get a basket of products: from stocks and bonds to commodities and currencies.
  • With every investment in ETF instruments, the assets are distributed across a range of investment targets resulting in increased diversification and reduced investment risk.
  • A major part of investors lack time or knowledge to keep track of each stock of companies representing the field they’re interested in.
  • Investing in ETFs saves time and gives an opportunity to invest in industries or indexes that you find interesting and feel confident about.
  • During stock exchange trading session, ETFs are traded just like company stocks.
  • ETF units can be purchased and sold quickly in the preferred quantity at a price acceptable to you.
  • ETFs, just like any other investment instruments, are also subject to various risks, such as market risk, interest rate risk, currency risk and others.
  • It is important to be aware of those risks and to assess them on a continuous basis*.

*More info on the potential risks can be found from Guide to Financial Instruments and Conditions for Providing Investment Services.

  1. The securities account can be opened by legal representative sending a bank message.
  2. Apply for the LEI code.
  3. Review information on transactions in financial instruments and the associated risks.
  4. Choose your preferred exchange-traded fund (ETF).
  5. Place an order for buying exchange-traded funds (ETF).
  • The LEI (Legal Entity Identifier) code is a global legal entity identifier consisting of a 20-digit code. Legal entities are required to have an LEI code in order to perform transactions with listed securities.
  • We offer our customers to apply for a LEI code through our partner LEI Register quickly and conveniently here. Registration and management of the code is paid.
  • More information about the LEI code can be found here.
Read more LEI (Legal Entity Identifier) is an international identity code consisting of 20 letters and numbers and is issued to legal entities participating in financial transactions. Each code is unique and remains the same the entire time of operation of the particular legal entity. An LEI code does not substitute the code issued by the register of legal entities. To obtain an LEI code, choose one of the international institutions authorised to issue LEI codes. You will find a complete list of the issuing institutions here. An LEI code is usually issued within a few hours to one day. For companies with a complex legal structure, it may take longer to issue the code. An LEI code has both a registration fee and an annual subscription fee. An LEI code is required for reporting a legal entity’s transactions to supervisory authorities. The investment service provider cannot fulfil its reporting obligation unless the legal entity has an LEI code. Without an LEI code, the legal entity’s transactions cannot be carried out. Starting from the 3rd of January, 2018, the LEI code is required for legal entities which conclude deals with the Exchange traded financial instruments in European Economic area – for example, equities, fixed income instruments and exchange traded funds. When an LEI code is issued, it reaches the central GLEIF system in approximately one working day, and the system automatically forwards it to your bank. If a customer who is a legal person does not submit an LEI code for the investment service provider to use when reporting a securities transaction, the service provider will not be able to fulfil the reporting obligation arising from law. As a result, the investment service provider may refuse to provide the service. A customer who is a legal person must have a valid LEI code for the correct fulfilment of the reporting obligation. Before carrying out a securities transaction, the investment service provider must verify that the customer has a valid LEI code.

Financial transactions with the following instruments require an LEI code:

  • financial instruments that can be traded on trading venues (regulated markets, multilateral trading facilities or organised trading facilities) in the European Economic Area, such as shares, bonds and exchange traded funds (ETFs);
  • over-the-counter derivatives, such as currency, stock, interest rate and commodity derivatives (forwards, swaps and options);
  • exchange-traded derivatives, such as options and futures.

In case of ETFs investments, the investors themselves are liable for any applicable taxes according to the Corporate Income Tax Law.

  • 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

Investing is for everybody.

A convenient way of investing the company’s spare money in a diversified and sustainable manner.

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