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You need to make an international payment,
but you have never made one before?

Please answer a couple of questions and we will advise you about the type of payment that is the most suitable for you.

NB! This tool can help you only if you want to make your payment in euros.

To which country do you wish to make the payment?

How big is the payment you wish to make?

Who pays the transfer charges

  • The most common way of splitting service charges. You pay the service charges of Swedbank and the payee pays the service charges of the correspondent bank and their own bank. If You are making a payment to European country then we recommend to choose service fee type 'shared' (SHA) as according to Payment Service Directive (2007/64/EC) the arrival of payments in full amount at beneficiary's bank is guaranteed as long as the beneficiary's bank is located in the European Economic Area and the payment currency is the euro or another currency of a Member State of EU.

In order to avoid confusion, always agree in the payment of service charges with the payee before you make the payment.

What kind of payment do you wish to make?

  • The payment is received in the correspondent bank or the payee’s bank the next day if you submit the payment order to the bank before 3 pm.

    The payment is received in the correspondent bank or the payee’s bank on the same business day if you submit the payment order to the bank before 2 pm.

NB! Payments move on banking days, which are all days except for Saturdays, Sundays and public and national holidays.

Where do you wish to make the payment order?

Making payments through electronic channels is always cheaper than at branches.

Intra-group payment

  • Price: Payment in euros – 0.38 euros
    Payment in other currencies – 1.92 eur.
  • The service charges are paid by the payer, the receipt is free for the payee.
  • Time: the payment is generally received in the payee’s account in 3 hours

NB! Payments move on banking days, which are all days except for Saturdays, Sundays and public and national holidays.

European payment

Price: 0.38 euros

The transfer costs are shared. You pay the service charges of Swedbank, which are 0.38 euros and the payee pays for the receipt according to their bank’s price list.

Time: the payment is generally received on the payee’s bank on same business day. Payment order should be forwarded to the bank until 2 pm.

NB! Payments move on banking days, which are all days except for Saturdays, Sundays and public and national holidays.

You can make European payments at discounted charges in all electronic channels of Swedbank.

Aeg: the payment is generally received on the payee’s bank on the next business day.

NB! Payments move on banking days, which are all days except for Saturdays, Sundays and public and national holidays.

The correct IBANof the payee’s bank must noted on payment orders made to European Union countries.

Group payment from electronic channel/branch

Group payment from electronic channel/branch

Price: 0.38 euros

 

Time: The payment will arrive in 3 hours.

NB! Payments move on banking days, which are all days except for Saturdays, Sundays and public and national holidays.

The correct IBAN of the payee’s bank must noted on payment orders made to European Union countries.

Intra-group payment

  • Price:Payment in euros – 1.50 euros
    Payment in other currencies – 1.92 eur.
  • The service charges are paid by the payer, the receipt is free for the payee.
  • Time: the payment is generally received in the payee’s account in 3 hours

NB! Payments move on banking days, which are all days except for Saturdays, Sundays and public and national holidays.


Group members:

  • Estonia Swedbank AS
  • Latvia Swedbank AS
  • Lithuania Swedbank AB
  • Sweden Swedbank
  • Denmark Swedbank Copenhagen
  • Norway Swedbank Oslo
  • Finland Swedbank Helsinki

European Union countries are:
Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the United Kingdom.

Countries that are subject to the same payment terms as European Union countries:
French Guyana, Gibraltar, Guadeloupe, Iceland, Liechtenstein, Martinique, Norway, Reunion, Monaco, San Marino and Switzerland.

NB! Gibraltar, Guadeloupe, Iceland, Liechtenstein, Martinique, Norway, French Guyana, Reunion, Monaco, San Marino and Switzerland are countries subject to the same payment terms that are applied to euro payments made to European Union countries.

If you would like to make a payment to one of these countries, select payment to European Union country on the left.

You can make a European payment to a European Union country.
The transfer costs 0.38 euros.

Terms of European payments:

  • the payment currency is the euro;
  • the correct IBAN of the payee’s bank have been noted on the payment;
  • service charges are shared;
  • a regular payment usually reaches the payee in three banking days, an urgent payment in two banking days;
  • the payee’s back is located in a European Union Member State (or Norway, Iceland, Liechtenstein, Gibraltar, Guadeloupe, Martinique, French Guyana, Reunion, Switzerland, Monaco, San Marino).

Terms and conditions of group payments:

  • Payments to Latvia and Lithuania can be made under special terms in all currencies. Payments in euros, Sweden krona or US dollars will reach the payee on the same day if you forward your payment order to the bank until 4 pm. Payments in any other currencies are sent to the payee's bank on the same settlement date if the payment order is submitted to the bank before 3 pm.
  • Payments to Sweden, Finland, Denmark and Norway that will be received on the same day can be made in Swedish krona, Norwegian and Danish kroner, euros and US dollars. Payments in euros, Sweden krona or US dollars will reach the payee on the same day if you forward your payment order to the bank until 4 pm. Payments in Norwegian and Danish kroner are sent to the payee's bank on the same settlement date if the payment order is submitted to the bank before 3 pm.
  • Receipt of group payments is free for payees.
  • The correct IBAN of the payee’s bank must noted on the group payment.
  • Read more

Terms and conditions of European payments:

  • the payment currency is euro;
  • the correct IBAN of the payee’s bank have been noted on the payment;
  • service charges are shared;
  • the payee’s back is located in a European Union Member State (or Norway, Iceland, Liechtenstein, Gibraltar, Guadeloupe, Martinique, French Guyana, Reunion, Switzerland, Monaco, San Marino).
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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.