Deposits and investments

Frequently asked questions

  • What deposits does Swedbank offer companies?

    Term, overnight and savings deposits.

  • Why deposit in Swedbank?

    Swedbank will remain a reliable partner for many years. We offer a range of deposits. We will come up with the terms that suit you.

  • What deposit periods does Swedbank offer?

    Depending on the amount and the deposit type, you can deposit your money for periods from 2 days up to 5 years. One company can have several different deposits.

  • What is a term deposit?

    A term deposit means you can watch your money grow without there being any risks involved. We pay you a certain amount of interest for the deposit period. We offer deposit periods from 2 days up to 5 years. The interest earned is transferred to your current account either at the end of the deposit period or on a monthly basis. The latter is a good way of earning extra money.

  • What is a term e-deposit?

    A term deposit entered into via the Internet bank is an e-deposit. It is more profitable than a term deposit entered into at a branch. You earn more income on deposits opened in euros.

  • What is a savings deposit?

    A savings deposit is a way of saving money and gathering it flexibly for larger investments or projects. All you need in order to open a deposit is 6 euros, and you can add money and use what you have deposited whenever you need to. If you select the overdraft option when you set up the deposit, you can use up to 90% of the deposited amount throughout the deposit period without cancelling the deposit.

  • What does automatic extension of a deposit mean? Will the income I earn from my previous deposit carry over?

    Your deposit contract is extended by the same term if you select automatic extension of your deposit. The interest rate and terms and conditions of the contract effective at the moment of extension form its basis. You can amend the extension term at any time. You can also specify whether you want to extend the deposit with the income you have earned from it or just the principal amount. Both term and savings deposits can be automatically extended.

  • If I have a term deposit, is it extended automatically as an e-deposit?

    The current interest rate for e-deposits does not apply to term deposits opened prior to 4 September 2008, which extend automatically after the expiry of the deposit term. The deposit is extended at the ordinary term deposit interest rate that is valid at the time. You should wait until the end of the deposit term in order to earn as much as possible. Enter into a new contract for a term e-deposit via the Internet bank after your current deposit expires.

  • How can I enter into a deposit contract?

    The easiest way of entering into a deposit contract is via the Internet bank. This only takes a few minutes. Select your preferred deposit type from the “Deposits” menu in the internet bank. Fill in the required fields and read the deposit terms, then agree with them in order to enter into the contract. You can also open deposits at your nearest branch or with the assistance of your client administrator.

  • How can I cancel a deposit?

    Clients can cancel their term deposits and savings deposits early at any time by terminating the deposit contract in the Internet or Telephone Bank or at any branch of the bank. If a client terminates their contract before the expiry of the deposit term, the bank has the right to transfer the deposit amount to the client’s account within 7 days of receipt of the cancellation application. The client may specify a later deadline for cancellation. The bank has the right to demand and the client must pay the charge set out in the bank's price list if the client would like to receive the deposit amount on the day the contract is cancelled. The bank withholds the income already paid out and the overdraft amount used by the client from the deposit amount transferred to the client’s account.

    Cancelling an investment deposit before the sales deadline is free of charge. However, if you wish to cancel during the term of the deposit, you will have to pay a fee equal to a certain percentage of the deposit amount. If you have earned any income up to the point at which you cancel the deposit and it is larger than the cancellation fee, the balance is yours to keep. For example, if the interest rate at the moment of cancellation is 15% and the cancellation fee is 7%, you receive the remaining 8%. The less time there is until the end of the term, the smaller the cancellation fee.

A term deposit opened via the Internet bank in euros enjoys an interest rate that is 0.1% higher than a deposit opened at a branch.

We will find the best growing environment for your money.

Savings deposit

From 6 euros, from six months.

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Term deposit

From 190 euros, from three months.

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Overnight deposit

From 100 000 euros, from 1 night.

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Fund administration

The fund administration service of Swedbank offers management companies and asset managers the option of releasing themselves from the administrative tasks associated with funds and investment portfolios and leaving it in the capable hands of Swedbank's top technology and best specialists.

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Saving tips

  • Both the short-term management of cash flow and long-term financial planning help to ensure the availability at the right time of the resources needed for the operations and development of a company.
  • Your company’s everyday financial management must provide the financial resources for your organisation’s primary operations and support your operations, investments and growth.
  • Taking into account the needs of your organisations, the management of liquidity must adapt investments and borrowings over time.
  • The main goal of proper liquidity management is to minimise financing costs while maximising financial revenue.
  • You should select the best investment instrument or group liquidity management solution based on the needs and objectives of your company.
  • We offer working capital management solutions which will help your company save time and automate your processes, thereby reducing the need for working capital.
  • The best liquidity management options are a group account, an interest compensation solution and short-term investments: overnight and term deposits, funds and debt securities.
  • We offer a range of automated payment collection solutions and payment solutions for suppliers for the efficient management of working capital.
Frequently asked questions



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