Answers and fast solutions to everyday issues are readily available in the Frequently Asked Questions section of our Internet Banking site.
If you are our customer, please contact us via bank message.
If you are not our customer, please contact us by e-mail.
We will answer you within 3 working days.
A card can be blocked for up to 10 days, after 10 days the card will be closed permanently.
You can order a new card via the Internet Bank site in section Cards > All debit cards or All credit Cards”.
The card can be re-activated within 10 days since blocking:
The PIN is not stored anywhere. If you do not rember you PIN code, you have to order a new card via the Internet Bank site in Cards > All debit cards or All credit Cards”.
The automatically renewed card will have the same PIN as that of your old card.
The card’s PIN code can be changed in the Swedbank ATM. You can find the nearest ATM in the Swedbank mobile app or via the Internet bank site in "My bank > Bank channels and contacts"
Limits on card payments can be raised:
The card can be activated via the Internet Bank page in Cards > All debit cards or All credit Cards” section by clicking the “Activate card” button and following the instructions. The card will become usable immediately after activation. Please remember the PIN-code as it cannot be viewed again after you have activated the card.
No, the card will be renewed automatically one month before expiry date of your existing card. We will send the card according to selection which you can see and change here. You can change the delivery method up to two months before the expiry date. The most convenient is to receive the card by post.
Order a new card via the Internet Bank page in Cards > All debit cards or All credit Cards” section. The old card will be closed automatically upon activation of the renewed card. The fee for ordering a card will be taken from your account according to the
The month and year until which the card is valid are shown on the card. The card will be usable until the last day of the month.
Via the Internet Bank page in Cards > All debit cards or All credit Cards” section, click the “Change limits” button and select “No” next to the card renewal option. Click “Forward” to confirm changes in the Card Agreement.
A new debit card can be ordered via the Internet Bank page in Cards > All debit cards”
A new credit card can be ordered via the Internet Bank page in Cards > All credit Cards”
If not activated via Internet Bank, new cards are automatically closed after 60 days from opening the card.
Renewed cards are closed automatically upon lapse of 30 days after expiration of the old card if not activated via Internet Bank.
Please check the following reasons:
Your valid identity document – passport, ID card or driver’s licence. If possible, take your child's passport or ID card with you as well.
Parents and legal guardians of minors can administer their child’s debit card from under their own online banking user account. Minors bank cards can also be sent by post.
The card and PIN code will be sent to the child’s address of record a few days apart.
The minor will be able to administer their debit card agreement in their Internet bank (along with activating the card sent to them)
if they have been authorized to use the account linked to the card and assigned necessary privileges in the in Teleservices agreement, and possess a means of authentication.
You can give a power of attorney to the child for collecting the card. For that, please send us a bank message. Choose the subject "power of attorney to a minor" from the drop-town menu. Please read all terms and fill necessary fields. After the bank message is sent, child can come to the branch with a valid identity document and pick up the card.
Yes, a card may be issued to other person if that person has:
VISA / Mastercard cards are accepted for payment in all retail outlets worldwide where the VISA or Mastercard logo is shown and the retailer accepts that type of cards.
This depends on the type of card. For example, if you make a cash withdrawal from an ATM in a country where the official currency is other than EUR with a Swedbank payment card, then you will be charged a fixed fee for the withdrawal + a percentage of the amount + the currency exchange fee. Up-to-date information on charges and fees is provided in the
price list of the bank.
If you pay in a country where EUR is the official currency, no fee will be charged. If you pay in a country with other official currency, then a fee as a percentage of the purchase amount will be charged. Up-to-date information on fees is provided in the
price list of the bank.
Many car rental companies only accept credit cards for reservations. If you have only a debit card, we suggest getting in touch with the car rental in advance to find out if you can use a debit card for reservation.
This can be due to a number of reasons:
You can check this on the Internet Bank page’s “Internet shopping” section where you can see red status „Not activated“ which means that Internet shopping is disabled and green status „Activated“ which means that Internet shopping is enabled. To change the status, use buttons „Disable“ and „Enable“
Online purchases may be confirmed with the Smart-ID, ID card, Mobile-ID, or with PIN calculator if the Internet
shop has joined the secure shopping system Mastercard SecureCode and/or Verified by VISA.
The CVV/CVC code is shown on the back side of the card and consists of three numbers.
Please block your card using our app and send us a bank message:
Please send us a bank message:
Up to EUR 750 can be withdrawn from an ATM at a time.
Depending on the ATM type, up to 80 or 100 banknotes can be deposited at a time.
An ISIC Mastercard Student Card can be ordered by a student at least 16 years old who is enrolled in a higher education program in Estonia or abroad. A student can study either in full or in a shortened curriculum of any form of study (for example, full-time or part-time).
If you want to check your student status in the Estonian Educational Information System, you can do that in the portal www.eesti.ee/eng.
Your ISIC will remain valid until the date indicated thereon.
No. Only those who are on the EHIS list can order an ISIC card to be sent to an Estonian address.
In order for an ISIC card to work as a travel card, you must register it first at
www.pilet.ee. In the event of other issues, use the contact details provided for at www.minukool.ee.
You can order an ISIC card if you are:
Yes, usually you can (the card requirements, however, depend on the specific service provider).
If the legal name or given name/surname of the beneficiary don’t match the account number (IBAN), then payment to a Swedbank account will not be executed. In case of payment to another bank in Estonia, it will be forwarded to the beneficiary bank that is entitled to either execute the payment based only on the IBAN account number stated or reject the payment.
If the payment is in euros to another bank in Estonia, there may be a possibility to cancel the payment by calling our Customer Service on 631 0310. If the payment has already sent to beneficiary bank, you can request cancellation of the payment through the bank. The cancellation form is available in the section “Bank messages”. Please check our price list for fees. We are unable to cancel a payment without the beneficiary’s consent.
If the payment is between Swedbank accounts, it cannot be cancelled. Please contact the account holder and ask them to return the payment. If this is not possible, you can request revocation of the payment through the bank. The revocation form is available in the section “Bank messages”. Please check our price list for fees. We are unable to cancel a payment without the beneficiary’s consent.
The Internet Bank (choose New Payment) and Swedbank’s new app, Swedbank Eestis, enable both private and business customers to make payments up to 15,000 euros in instant payments.
Instant payments generally reach the recipient in a few seconds and can be made to all local banks that offer the opportunity of receiving them.
At the moment, Swedbank clients can make instant payments within Swedbank itself, Coop Pank, LHV and SEB. The payments can be received from European banks that have joined the pan-European system of instant payments. You can check with the recipient’s bank whether they enable instant payments and the list of participating banks can be found on the official website of the Eba Clearing.
For outgoing instant payments the price is the same as for ordinary domestic payments in euros; with no additional fees.
If you need to make a payment to other Swedbank account in a currency other than EUR, use the domestic payment form as usual.
If you need to make a payment to other bank in Estonia in a currency other than EUR, use the international payment form.
This could be due to a couple of reasons:
A payment is executed if the account balance has decreased by the amount of the payment and the payment appears in the account statement and the payment history as “Done”.
The payment process does not depend entirely on Swedbank – it also depends on the beneficiary bank and the intermediary bank.
Payments to accounts with European banks are reserved on the same day as when executed and are delivered to the beneficiary bank or intermediary bank on the following working day. International payments are executed depending on the payment type. For further details, see the maturities of services under price list.
In the payment history section, check:
If the payment status is “Done”, but the beneficiary details are incorrect, please send us a bank message under section „Cancellation or amendment of international payment”. Please check the fees in the
To make a domestic or international payment in other currency:
If the account lacks the currency necessary for the payment and no coverage currency is selected, the payment will not be executed.
The coverage currency must be selected upon execution of a payment order. It is another currency in the account that will be used towards covering the missing amount in case the account lacks funds for making the payment or paying the fee in the currency specified.
The currency necessary for executing the payment transaction is converted to the remitter using the bank’s transfer rate effective at the time of executing the payment transaction.
A discounted rate is offered for amounts exceeding 10 000 euros between 8.30 am and 5 pm on business days. Please contact our customer service +372 631 0130.
If a payment made via Internet Bank is cancelled, most often the reason is that the payment cannot be executed due to lack of details in the payment form. The mandatory payment fields are marked with asterisk. Additional information about payment details needed can be found under "question mark". If the payment is returned by the beneficiary bank or correspondent bank, the reason of the refusal is provided in the detailed information about the payment.
Please wait up to 15 minutes after you’ve executed the payment. We recommend checking the
“List of payments” for your payment which may have been made with a future date in error – the status of such payments is “Future payment ”.
The permitted characters are:
a b c d e f g h i j k l m n o p q r s t u v w x y z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z 0 1 2 3 4 5 6 7 8 9 / - : ( ) . ,? ' +
If a notification that invalid characters have been entered appears on the Internet Bank page when making a payment, re-check all the payment fields.
Cancelling the currency exchange is not possible. You can convert the amount back in the Internet Bank but please consider that the exchange rate differs and might be disadvantageous for you.
You will not be charged for currency exchange on the Internet Bank page.
You can find this function in Everyday banking menu in Internet Bank (Everyday banking -> Account info -> Add other bank’s accounts).
You’ll be asked to submit the consent to view the other Bank’s accounts in Swedbank Internet Bank and you’ll be redirected to the other Bank’s environment to confirm your choice.
Instant payments and domestic SEPA payments in euros can be initiated. This means that the payment recipient’s account must be in the same country as the payment account from which the payment is initiated. E.g. payment is initiated in Swedbank Estonia Internet Bank -> payment is initiated from an account in SEB Lithuania -> beneficiaries can only be in Lithuania (SEB Lithuania, Swedbank Lithuania, Luminor Lithuania etc.).
First, go to "Daily Banking" -> "Summary" -> and make sure you have selected "Accounts in other banks" under the available filters.
Once this is done, you will see your other banks' account information under "Accounts in other banks".
Consent is valid for a maximum of 90 days. You can review the status and validity of each consent in Swedbank Internet Bank home page “Everyday Banking”-> “Summary Statement”-> “Accounts in other banks” and by pressing the “Manage” button on your right.
You can renew and revoke the consent here as well.
You can find this new function in New Payment form under the Everyday banking menu (Everyday banking/Payments, Accounts -> New payment; corporate customer: Everyday banking/Transactions -> New payment). Other banks' accounts will be available in the “Pay from account” field (drop-down list) among Swedbank accounts.
If you choose to pay from another bank’s account, you will be redirected to a separate Payment Initiation form.
NB! If you want to initiate a payment from another bank’s account, you must onboard it first!
Customer Consent is not needed for payment initiation. The customer will be asked to confirm each payment with SCA (Strong Customer Authentication), which entails the use of Mobile-ID, Smart-ID, ID-card or PIN-calculator.
In the case of private customers, previously initiated payments will be displayed in the Payments history; in the case of corporate customers, those payments will be visible in the Payments archive.
Use the drop-down menu to select the account the payment history of which you wish to see.
At this time, only single-signee payments can be initiated from another bank’s account.
Payment in all cases will be signed on the account servicing bank’s side. The interface of signing will depend on the method of signing chosen by the customer, but in all cases, legally signature is put on other bank’s side.
SEB: If you wish to sign the payment with Smart-ID or Mobile-ID, the signing will be conducted on Swedbank’s interface. If you want to sign with a PIN-calculator or ID-card, you will be redirected to the other bank’s internet bank.
LHV: Regardless of the chosen signing method, you will always be redirected to the other bank’s internet bank.
Payment initiation doesn’t cost anything on Swedbank’s side, but payment transfer may cost on the other bank’s side depending on the price list that is applied to the customer by that bank.
For example, if you have an account at LHV and you initiate a payment from your LHV account on Swedbank’s internet bank, a transaction fee will apply based on the price list of LHV.
This depends on the payer’s and receiver’s banks:
At this time, Swedbank internet bank payments can be initiated from SEB (LT, EE, LV) and LHV (EE) accounts, as well as accounts of Swedbank Latvia and Swedbank Lithuania.
The beneficiary must be in the same country as the account from which the payment is initiated. For example, if a payment is initiated on the internet bank of Swedbank Estonia -> the payment is initiated from a Latvian SEB account -> beneficiaries can only be in Latvia (for example, an account of Swedbank Latvia).
If you have chosen to sign a payment initiated from a SEB account with Smart-ID or Mobile-ID, the signing will be conducted via Swedbank’s interface; however, in the legal sense, it is signed on the other bank’s side.
Not at this time, as it is a different service from a technical viewpoint. If a customer wants to pay from another bank’s account, they have to choose payment via that bank in the e-shop.
Payment initiation from other banks is currently under development. We will disclose more information prior to the launch.
It is currently possible to see account statements of SEB and LHV on Swedbank’s internet bank.
This new function is available in the Everyday banking/ in New Payment form under the Everyday banking menu (Everyday banking/Account info -> Account info; for corporate customers: Everyday banking/Account info -> Account info). Other banks’ accounts will be available in the Account menu (drop-down list) among Swedbank accounts.
NB! If you want to see another bank’s account statement, you must onboard this bank first (Everyday banking/Account info -> Add other bank’s account; corporate customer: Everyday banking/Account info -> Add other bank’s account)!
Currently, SEB account statements are accessible from the past 2 years, LHV account statements can be accessed for up to 90 days.
A maximum of 100 transactions per page are displayed on the other bank’s account statement and a function for switching between pages has been implemented (upper right corner of the statement).
You will find your details and settings, as well as the options of contacting the bank at the top of the navigation bar on the Internet Bank page. To update your contact details, select
If your details have changed please update them in our database as soon as possible. This means that we can always contact you quickly whenever necessary.
The prices of services of the bank are available in the
Code cards can be used until 01.02.2019
PIN-Calculator may be blocked or has run out of battery power. To replace or unblock the token, go to your nearest Swedbank branch, taking your valid passport or ID card with you. The unblocking fee is specified in the bank’s
You can download and use Smart-ID app on the Swedbank Internet Bank page or in the mobile app free of charge.
Retry in a couple of minutes. If the problem persists, please contact Smart-ID support service by phone 715 1606 or e-mail firstname.lastname@example.org.
Delete your existing account from the Smart-ID app and create a new one.
Upon the first entering an incorrect PIN for three consecutive times, it is blocked for 3 hours. The Smart-ID app will display a countdown until you can retry entering the correct PIN.
On the second entering an incorrect PIN for three consecutive times, it is blocked for 24 hours. The Smart-ID app will display a countdown until you can retry entering the correct PIN.
On the third entering an incorrect PIN for three consecutive times, it is permanently blocked, and you are required to delete your existing account from the Smart-ID app and create a new one.
The transaction limits are initially set when you signed the Tele Agreement but can be changed (both increase or reduce).
Smart-ID only works with internet connection – either mobile data or Wi-Fi.
You have to download and install the Smart-ID app, as well as to create an account on whichever device you want to use. Also, whenever you buy a new smartphone, you have to download and install the Smart-ID app, as well as to create a new account. Creating a new account and downloading the app is free of charge.
You can use your Smart-ID whenever you travel outside Estonia, just make sure you remember your PIN codes and have internet connection.
The use of Smart-ID abroad will not create substantial roaming costs, since a single Smart-ID transaction in average uses merely 5 KB of data.
Whenever you want to access your Internet Bank with Smart-ID, the system communicates with all your devices; it is up to you which device you use to open the Smart-ID app and enter PIN1 or PIN2.
When you open the Smart-ID app on another device, a notification “No transactions found’ will appear.
No. However, we suggest you set up separate Smart-ID accounts for each family member or colleague, so that it is possible to trace back each transaction from the bank account to a specific person.
In case you have the PIN-calculator, we suggest keeping it to have several identifications tools to use Internet Bank.
The control code is an automatically generated 4 digit number displayed in a window of the Internet Bank page and your Smart-ID app. The control codes are introduced to make sure you confirm the right transaction in your Smart-ID app.
If you have enabled the push notification feature of the Smart-ID app on your device, notifications will automatically appear on the home screen; tapping the notifications will automatically direct you to the Smart-ID app.
If the push notifications are disabled for the Smart-ID app, you have to open the app manually to check the control code and enter PIN1 or PIN2.
A single Smart-ID transaction uses a very small amount of data – approximately 5 KB.
Visually impaired people can use the “voice” feature which is available in the recent smart devices. With the “voice” or “audio” feature activated, banking services are available both in the Smart-ID app and the Swedbank mobile app.
Open the Smart-ID app and press “Cancel”. PIN1 is used only for logging in to Internet Bank or the mobile app.
If the control code in the Smart-ID app does not match the control code you see on the Internet Bank page, press “Cancel”. Try re-entering your user ID and your identity number in Internet Bank.
Please contact Smart-ID support service by phone +372 715 1606 or email@example.com.
Card readers are available for purchase in computer hardware shops and online stores.
If you’re unable to log in to Internet Bank, please check the following:
The User ID consists of 6 or 7 digits and you can find it in your Tele agreement contract under “User ID”.
Teleservices agreement is necessary to be able to use internet, telephone and mobile bank.
Limits on payments via Internet Bank are initially set when you signed Teleservices Agreement but later can be changed (increased or reduced). You can see your transaction limit under „Everyday banking“ section "Payments" and "Payment limits".
You can see your transaction limit under Everyday banking section "Payments" and "Payment limits". If you need to change the transaction limits, click "Edit limits". You can change the limits up to 10 000 EUR per day and 10 000 EUR per month.
Limits on card payments in retail outlets can be raised:
This is a limit assigned to a client in the Teleservices contract, which applies across all accounts and digital channels. An adult accountholder can make transactions to the extent of the client limit from any account that belongs to them and has been added to their user ID.
A user profile indicates the scope of rights – can all services be used, can information be viewed and payments be made; or can only information be viewed.
As an accountholder, a single client limit will apply to you and you will be able to make transactions on all of your accounts to the extent of this client limit, Account limits can be determined for extra users.
Determining account limits for minor users is mandatory and they must meet the users needs and be justified. Account limits can be determined in the case of a parent or guardian and if they have not been determined, the client limit will be the limit.
An authorised person will only be able to use the account they are authorised to use with the limits established for the account also in the future.
Important! Whilst authorised persons are currently unable to make transactions in a channel or the transactions in a channel were subject to a smaller limit, starting from 29.10.2019 they will be able to use a bigger limit than the previously effective account limit and do it in all channels.
In order to remove a user, sent us a bank message, call us on +372 6 310 310 or visit our branch.
Please contact your mobile operator to get a special SIM. After you’ve signed the Mobile-ID contract and received a new SIM card, you can activate Mobile-ID at the homepage of Police and Border Guard Board (PBGB). Follow the instructions and if you need any help with activating Mobile-ID, contact PBGB at the phone number +372 612 3000.
The monthly fee for the service is up to 1 euro, the state fee for Mobile-ID (10 euros) is charged via mobile operator when joining the service. Find out more about special offers and prices from your mobile operator.
* When using Mobile-ID abroad, a fee for sending a text message from abroad to Estonia per one Mobile-ID operation (identification or giving a digital signature) will be charged according to your mobile package.
Yes, you can. Just makse sure you remember your PIN-codes and have internet connection.
No, you can conclude the agreement of Mobile-ID only with your Estonian phone number and if you are a client one of the following mobile operator: Elisa, Tele2 or Telia.
Yes, you can.
Following steps should help with this problem:
In order to block/close the card you have as following options:
To order a new card, send us a bank message and add how you would like to get the new card (by post or to the branch). Also it is possible to order a new card by calling +372 631 0130.
New credit card costs 7 euros.
The renewed card can be delivered:
Credit cards are usually renewed automatically. If the credit card is not renewed, we inform the customer of it before expiry of the credit card via bank message, e-mail or by post.
If you would like to receive a new credit card earlier, please apply for a new credit card.
We will give the answer to application within three workdays and if the application answer will be positive, then the card will be ready to be collected from the branch in 10 days or if your ordered by post, it will be delivered in 5 business days.
You can make the changes via the Internet Bank page under Cards > „My cards” by selecting „Increase credit limit“
If the credit card limit change option is not available under Cards > „My cards” > “Increase credit limit”, fill out a new credit card application and write on the additional information field that you wish to increase your current credit card limit and mark the suitable amount. You will receive an answer within two work days.
Yes. Withdrawal of cash with a credit card is subject to a fee according to the current
price list, except for Platinum Credit card (Mastercard)
which has no commission fee for cash withdrawal up to 1000 EUR all over the world.
For transactions made in foreign currency, a conversion fee of 1% of the transaction amount is applicable (with Platinum credit card (Mastercard), there is no currency exchange surcharge). Card payments are free of charge in countries which have euros as their official currency. If you are paying in a country with a different official currency then you are subject to paying the currency conversion fee, which is a certain percentage of the transaction amount. You can find up to date information on our
Fees for transfers from the credit card account are identical to those for transfers from the current account.
Transfers between one’s own accounts or other accounts within Swedbank are free of charge.
PS! Please note that if you make a transfer or withdraw cash from the credit card account, the calculation of interest begins immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
You can pay back the used credit limit via the Internet Bank page under Cards > „My cards” by selecting "Return full used credit limit"
You can pay back the used credit limit via the Internet Bank page under “Cards” > “My cards” by selecting "Return interest accruing credit limit"
The insurance cover attached to the Gold revolving card or Platinum credit card (Visa/Mastercard) takes effect automatically once you enter into the credit card agreement and remains valid until the credit card agreement is valid.
Sometimes there are situations when the work or purchases you’ve planned require extra funds. If you need to borrow an additional amount, log in to Internet Bank, go to
“Small loan” section under “Loan, leasing, credit card”, and click on “Fill out the application”. After receiving the application, you will be contacted by a bank employee.
The changes can be requested via the Internet Bank page in section “Loan, leasing, credit card” >
“My obligations” > “Change” by selecting the required type of changes.
If you're struggling with repayment, log in to Internet Bank, go to
“Small loan” section under “Loan, leasing, credit card”, click on “Fill out the application” and prepare the application, describing your situation in the comments. After receiving your application, a bank employee will contact you to agree on a mutually acceptable solution.
If you have a Small loan, the changes can be requested via the Internet Bank page in section “Loan, leasing, credit card” –>
“My obligations” –> “Terminate”. Please check fees from the
The changes can be requested on the Internet Banking page in section “Loan, leasing, credit card” –>
“My obligations” –> “Change” by selecting the required type of changes.
You should start from a loan application.
A loan application can be forwarded on the Internet Bank.
A loan application can also be forwarded if you want to make preparations for taking a loan and discuss the
details of the transactions with the bank in good time, and then choose a suitable property from the property market.
After you have submitted a loan application, you will receive a call from the loan administrator to agree on
further steps. Submitting a loan application does not obligate you to enter into a loan agreement but provides
the administrator with the opportunity to personally focus on your loan.
You can get a loan consultation by calling 613 1324 (Mon–Fri 08:30–18:00), where you can speak with professionals
in their field and they advise you on further steps.
You can also fill in a loan application
after which the loan administrator will call you to discuss in detail all the issues concerning your loan.
Submitting a loan application does not obligate you to enter into a loan agreement but provides the administrator
with the opportunity to personally focus on your loan.
When issuing a loan, attention is paid to solvency, collateral, and self-financing.
With regard to solvency, you can seek assurance by means of the
maximum loan amount calculator,
but it is particularly important that the monthly payment of the obligation to be taken is affordable for the borrower.
The property to be purchased is suitable as collateral.
Self-financing starts from 15%, but if you belong to the KredEx target group, then from at least 10%. However, the
amount of self-financing also depends on the condition and region of the property. If you already have real estate,
you can use it as supplementary collateral.
Usually, the residential property to be purchased serves as collateral.
When it comes to renovation, the property to be renovated is suitable as collateral.
In case of a construction project, collateral may cover the registered immovable on which the private house will be built and a completed additional residential property, if necessary.
The KredEx surety is used as additional collateral in cases where self-financing is 10% and the borrower meets the conditions of the target group of the KredEx surety and the property is also suitable for this purpose.
Financial self-financing is 20% on average, and it may be 15% as a minimum. The self-financing of 10% can be
used in cases where the borrower meets the conditions of the target group of the KredEx surety.
In case there is no self-financing, i.e. the corresponding rate is 0%, the only option is to use additional
collateral in the form of residential real estate.
There are two solutions for home exchange:
A person is suitable for becoming a borrower if he or she has a regular income (1 applicant €700; 2 applicants
€950), a proper previous credit history, and whose solvency is acceptable when taking a new commitment.
Usually, a loan is taken with a household member, such as a spouse or partner.
When financing a construction project, we are guided by the cost of the entire project and, in general, we
finance the construction step by step so that the loan amount is specified at the beginning of the project.
This provides the borrower / house builder with certainty that the construction is not halted and he or she
can move into the house at the planned time.
The exact transaction costs depend on the loan amount and/or the amount of purchase and sale, and the amount
of mortgage to be set up. More detailed information about the costs is provided by a bank employee.
In addition, you must be prepared to secure the collateral immediately after the mortgage is set up.
The loan agreement can be amended during the loan period. Depending on the amendment, additional information or
documents are required that will also determine the entry into force of the amendment. The amendment will take
effect once the Annex to the loan agreement has been signed.
In case of technical capability, the self-service on the Internet Bank allows you to change the payment date of
the loan and the service account, as well as make early repayments in part (and also in full). The changes made
in the self-service take effect immediately and the service fee is charged in accordance with the price list.
The payment date can be changed in the self-service of the Internet Bank and its modification is free of charge.
The payment date cannot be changed on the payment day and in cases where there is no technical capability.
Early repayment is possible both in part and in full (the entire loan amount).
In case of technical capability, it is possible to make partial early repayment in the self-service of the Internet Bank.
It is also possible to fully repay the loan in the self-service of the Internet Bank if the borrower has the money
required for repayment on his or her current account.
If the loan is to be repaid in full from the sale of the property, then a bank note stating the time and place of
the sales transaction should be forwarded. The loan is deleted on the basis of the funded received from the sales transaction.
NB: The early repayment conditions and fee have been agreed in the loan agreement. After submitting the loan
repayment application (bank notice), the bank will provide an overview of the calculation of the early repayment fee.
If the owner of the property wants to sell the property serving as collateral for a loan, it is recommended to
inform the bank as early as possible. It is reasonable to communicate the request to sell the property and also
the time of meeting with a notary, if known. The sooner, the better, as the time of meeting with a notary should
also be suitable for the bank’s representative. In addition, the bank will announce the fee and calculation for
The amending of the loan agreement is the responsibility of the follow-up service specialist of the support unit
of the financial centre of private persons. Once you have completed a request / an application for amending the
loan agreement on the Internet Bank, you will be contacted by the follow-up service specialist who will advise
you on the content of the amendment, inform you of the required additional documents and process. The follow-up
service specialist will also sign the Annex to the loan agreement if it is required for the given amendment.
As long as both borrowers are parties to the loan agreement, they are jointly and severally liable for the obligation.
You can order e-invoices from companies that enable this option in the Internet Bank section “Everyday banking” >
“E-Invoices” > “Order a new e-invoice”.
The e-invoice is payable by clicking “Pay” in “My E-invoices” section on the Internet Bank page or by enabling automatic payment for the e-invoice.
Setting up and receiving e-invoices via Internet Bank is free of charge. The cost of transfers is according to the current
price list of payments. However, if you enable automatic payment, there will be no cost.
To cancel the receiving of e-invoices, please choose under
„Everyday banking“ menu “E-invoices and standing orders > E-invoice applications".
In order to cancel E-invoice standing order agreement, you have to do it separately for every seller. E-invoices will be received also after cancelling E-invoice standing order agreement.
When ordering an e-invoice, you have the option to allow partial debiting. This means: if your account lacks funds to cover the necessary invoice amount on selected payment date, the system will automatically monitor/check your account for up to 3.days. If your account still lacks the full amount on the 3rd day, your invoice will be paid partially by transferring at least 50% of the required invoice amount. If your account has less than 50% of required invoice payment, the invoice will not be paid.
When setting up e-invoice automated payment, you can choose one of the following payment date options:
You can modify the terms of payment in the section „Applications and agreements“. The exact options depend on seller's terms and may vary.
If your account lacks funds to cover your invoice payment, the invoice will not be paid automatically. If you have chosen the „partial debiting“ option, the system system will automatically monitor/check your account for two days. If your account still lacks the full amount on the 3rd day, your invoice will be paid partially by transferring at least 50% of the required invoice amount. If your account has less than 50% of required invoice payment, the invoice will not be paid.
Other invoice payment options are:
No. If you wish to change the amount of a standing order, click the symbol in “Everyday banking >
Standing order” section on the Internet Bank to delete the existing one and create a new standing order.
If your account lacks funds to execute a standing order on the payment date you selected, the system will monitor the account for changes for 2 more days. If the funds available in the account are still not sufficient for the payment, the standing order will not be paid.
No. Partial transfer is not possible.
The cover offered by health insurance varies in all European Union Member States. Visit the website of the National Health Insurance Fund to check which services are covered by national medical insurance at your destination and which services you have to pay for. For example, the European Health Insurance Card holders are usually obliged to pay for certain retention if the trip is prolonged due to illness or it is necessary to return home earlier than planned and thus organise it on one’s own.
With travel insurance you don’t have to worry about additional expenses, as these will be covered by insurance. Both expenses may amount to hundreds or even thousands of euros.
In case of minor illness (common cold, fever, etc.), pay the medical treatment expenses on site, if possible. When you return from the trip, submit the loss notification and medical treatment invoice to Swedbank property insurance. If you are in need of urgent treatment or hospitalisation, please address our Claims Handling at 888 2111 (24 h).
If the arrival of luggage is delayed in the destination of your trip by the transport operator for at least 4 hours, we will indemnify any essential commodities that you purchased or rented for the purpose of using them during the trip as well as any expenses incurred in order to purchase objects that are important with regard to the purpose of the trip to the extent of 300 euros.
We will indemnify the expenses provided that:
If the departure is 4 to 24 hours late, we will indemnify up to 150 euros for incurring the required expenses. If the flight is delayed by more than 24 hours, we will indemnify a maximum of 300 euros. We consider required expenses to constitute expenses on food and accommodation, and also expenses on toiletries if you have checked your luggage.
In addition, we will indemnify the rise in travel and accommodation expenses necessary for continuing the planned trip and previously paid and irrecoverable expenses for services that were unused due to not making the connecting flight. You need to ask the airline or travel agent for a written confirmation of the belatedness of the flights
If you have general questions about travel insurance or your insurance contract, call the Customer Support (888 1513) or write to firstname.lastname@example.org.
In the case of questions concerning claims call the Claims Handling Department of Swedbank (888 2111).
We are aware that the previous app was very popular, but it did not allow to add the features that customers wanted as well as ones that the ever-evolving technology brings with it.
We want to provide our customers with the most up-to-date and secure solutions, so we need to keep up with the innovations.
Developing the previous app could have led to problems with adding contactless payments to Android as well as bringing Apple Pay and biometrics to customers.
You can read more about that from Swedbank’s blog Kukkur.
You can read more about that from Swedbank’s blog Kukkur.
The new app works on most smartphones and tablets. The operation system of the smart device should be the following:
My device has the required operating system, but the app is still not on the App Store / Google Play.
First, check your internet connection, you could also open the Smart-ID app manually. Also, make sure that Swedbank and Smart-ID can both send notifications via enabling them in your phone settings.
Deleting the app and downloading it again from the App Store may help when you have an iOS device. On an Android device, delete the saved data in the app settings.
If the Mobile-ID malfunctions, restart your phone and check on your computer whether Mobile-ID is running smoothly in our internet bank.
To activate biometrics, make sure the feature is present in your phone and utilised to unlock the screen.
You can activate biometrics in the app settings (user preferences).
If this button is not in your settings, delete the app and download it again from the App Store (iOS) or delete the saved data in the app settings (Android).
There is no requirement to give a signature when starting to use biometrics, we provide a convenient and secure way to activate the service.
Displaying the account balance has changed due to new security requirements.
We recommend activating biometrics for a quick and convenient login.
You can also quickly check your account balance in the widget related to the app.
You can use the widget to quickly check your account balance without having to log in. Please choose a widget activation guide according to your device –
Android or iOS.
First, turn the widget feature off and on again in the app settings and select the appropriate account.
If the widget still does not work, delete the app from your Apple device and download it again from the App Store.
On an Android device, delete the app's saved data in your phone settings (settings> apps> Swedbank> clear data/memory/wipe data) and then set up the app from the beginning.
If your phone is in power saving mode, then it must also be turned off.
To see other currencies, click the “Show other currencies” link below your account balance.
To confirm a payment, slide your finger from left to right on the button. Simply pressing the button will not make the transaction.
Future-date payments can currently only be made through the internet bank. We are also developing the feature for use in the app.
We will try to add these features to the app in 2020.
You can find payments between your accounts under the “Payments” menu item and there under the “To my account” section.
Click on the account you want to send the money to, and on the next page you can add the amount and confirm the payment.
If you want to make transfers from another user account, you first need to change the user profile.
To do this, press the initials in the right corner of the screen, and then proceed as described above.
The bank link payment feature is under development.
Due to updated security requirements, it is now mandatory to authenticate payments with a means of identification.
We recommend setting up biometrics (fingerprint or face recognition) for convenient and fast payments.
Using biometrics, you can make payments up to 100 euros ten times in a row.
For the “Request money” feature, log in, select the “Payments” menu item and you will find a green circular icon in the right corner of the screen.
By clicking on it you can request money.
Currently, the mobile contactless payment feature is only available for Mastercard bank cards with contactless payments activated.
We are exploring ways to make mobile contactless payments with other cards.
The number is designed to make mobile or digital payments possible.
This is a Mastercard requirement and cannot be used for any other purpose.
The merchant cannot find out the physical card number when making a mobile contactless payment.
Smartphones running Android 6.0 or higher are eligible for making contactless payments. In addition, you need a Swedbank’s Mastercard with activated contactless payments.
If all of the above conditions are met, you can try clearing the Swedbank app memory from the phone settings
(cache clearing alone may not help) and also restarting the app or, in other words, using the force stop function.
If after that you still cannot activate contactless payments,
we await your feedback with the technical data and as detailed description of the error as possible under the “Contacts” menu item.
Under the app settings, turn off the mobile contactless payment feature and then turn it back on.
Make sure you have also activated NFC in your phone settings and Swedbank app is set as your primary payment app.
If your phone is in power saving mode, then it must also be turned off. If your phone has a protective case, try making the payment without it.
It is definitely worth trying to make payments several times and in several different stores.
If all the prerequisites for a successful payment are met and the payment still does not go through,
you should clear the Swedbank app memory (not the cache as it does not give the same result) from your phone settings and also force stop the app or, in other words, restart it.
We are planning to include notifications for the arrival of e-invoices soon.
NB! Contact Circle K in order to receive discounts. They will add your virtual card to the loyalty account (the card number is not the same as on the physical card).
You don’t have to take any extra steps, if you would like to use Proxy payments for making transfers and you are
already using Swedbank’s mobile app. All you need to do is select the beneficiary of the transfer from the contacts’
list on your phone when starting a new transfer.
However, if you would like to use Proxy payments to receive transfers, then you should start by checking whether
you have the latest version of Swedbank’s mobile app. You should then register your phone number to use the service.
In order to register your phone number, open the Swedbank app and head to “Services” > “Payments” > “Proxy payments”. You will then have to:
All our mobile app users can make Proxy payments, no additional actions are needed. However, only the customers
who have allowed Proxy payments in the app, will be able to receive Proxy payments. To do so, open the Swedbank
app and head to “Services” > “Payments” > “Proxy payments”.
In order to make a payment:
Confirmation text: In order to use the Proxy payment service, I authorise Swedbank AS to forward my personal data
(name, surname, mobile number and account number) to the Instant Links Proxy Registry of the central bank of Latvia
(Bank of Latvia). I am aware that the aforementioned data is used by the banks in the registry and the customers
of those banks for the purposes of initiating payments.
Only phone numbers verified by the bank can be used for Proxy payments. If you do not have a verified phone number,
you will be referred to the “Contact details” page on the internet bank, where you can confirm your phone number
in the “Contact phone and its verification” section. As soon as you verify your phone number, you
can continue with the registration process.
No. You can only link one payment account with one phone number. If the beneficiary wishes to receive transfers
to their Swedbank account, they will have to link their phone number with said Swedbank account. To do so, open
the Swedbank app and head to “Services” > “Payments” > “Proxy payments”.
The account registered most recently will be used to receive payments.
Yes, you can. The country code of the phone number you have registered with does not matter in the case of this
service. However, it is important that the phone number is verified and linked to an Estonian bank account. Proxy
payments can only be made in euros and as domestic payments.
Android users do not have to worry about how the phone number has been saved in their contacts.
At this time, iOS users have to be mindful that the number has been saved with the country code (e.g. +372).
You can use any of the following formats when manually entering a phone number: +372…, 372…, 569…. It is important not to leave any spaces between the digits.
If the beneficiary is not registered as a service user, you can invite them by sending an invitation (as a rule,
the invitation will be automatically generated in the app). You can send the invitation via a text message,
e-mail or social media account. The beneficiary can also link their phone number in the Swedbank app on their own.
At this time, Proxy payments can be used for making intrabank payments (Swedbank) and payments between Swedbank,
Coop Pank and SEB. Should more banks join the service, it will also become possible to make Proxy payments to the
customers of those banks. The beneficiary of the Proxy payment has to have joined the Proxy payments service.
No. At this time, Proxy payments can only be made to bank accounts in Estonia.
The display of beneficiary’s IBAN, name and surname allows you to check that the payment is going to be made to the right person.
Proxy payments are just as safe as all our other payments. Keep in mind though that, if the beneficiary has joined
the service, their name and surname and account number will be displayed to the payer prior to completing the payment.
No additional fees apply to Proxy payments. The limits applied are the same as for regular payments on the internet
bank: all payments are free of charge for people up to 25 years of age (incl.) and people over 65 years of age
(incl.); if you have joined the Payment Plan, you can make unlimited transfers for a monthly fee of 1.5 euros;
the regular price list is applied in other instances.
Regular payment limits are applied to Proxy payments.
If the correct IBAN has been found on the basis of the phone number, the regular payment process, which can be
used for domestic payments, instant payments and intra-bank payments, will be initiated in the app.
Based on a mutual agreement, the Estonian Banking Association has selected the Proxy Registry “Instant Links”,
managed by the Bank of Latvia, as the service provider. This means that all banks involved in the Proxy scheme,
and all their customers, will register their data in the Proxy Registry of the Bank of Latvia.
If you would like to stop using the Proxy payment service, open the “Proxy payment” section in the mobile app and click on the “Unlink” button.
Minors can’t join with Proxy payments solution and therefore they cannot receive payments to their phone. However,
they can make proxy payments if the receiver has joined with Proxy payments solution.
With the digitally onboarding solution the customer can open an account via video without having to visit a branch. Becoming a Swedbank customer via video call is easy – everything starts from identification (by ID card, Smart-ID or Mobile-ID). After identification, you need to fill in Know Your Customer questionnaire and then sign it together with daily banking agreement. When the previous steps have been done, you can start video call.
You will need:
Before starting please be sure you own one of the following documents: passport or Identity card of the Republic of Estonia.
Adult residents of the onboarding country, with Estonian ID card or passport and means of authentication (Smart-ID, Mobile-ID or ID card) and who become a Swedbank customer for the 1st time.
Yes, it is. You will find information at our homepage under
„Become our customer“.
Currently not, but it will be possible in the future (no precise date yet).
Firstly, please identify yourself with a Smart-ID, Mobile-ID or ID card. Then fill out and sign the application and agreement. After signing the documents, a video call will take place with the aim of establishing identity, checking the authenticity of the identity document and reviewing the questionnaire. The process is finalized after the bank has made one more review and activated the agreement and the account.
You will find information at our homepage under „Become our customer“.
Yes, it is safe, and the solution is certified by the European Union. For video call, we use the solution provided by IDnow. IDnow’s Video Verification is secure and in compliance with the law.
In May 2016 the IDnow video identification process was patented by the European Union.
Firstly you can open a bank account and then sign remote banking agreement. You can also order a debit card.
It is not possible to open an account via video on the client computer at the branch.
Filling out the application and video identification takes approximately 20 minutes.
The service is available in Estonian, Russian and English.
You will be able to resume filling out the application and video identification later if needed.
The application can be completed at any time, but video calls can be made during normal business hours from 9.00 to 17.00.
We will let you know if the account was opened successfully via SMS and e-mail.
Can’t find your answer?
If you have any questions or suggestions, send a bank messages. We value your opinion!