Bank conditions

Changes in Agreement of Teleservices

Changes in Agreement of Teleservices

We hereby inform you that as of 29 October 2019, the Teleservices agreement will change.

Main changes

  • The mobile bank, internet bank and telephone bank as remote channels will be opened for all users of Teleservices agreement. Common account-based settings will be calculated according to existing limitations. Each account allowed for specific user will have highest existing settings as common setting for all remote channels. As a user, you can choose which channel to use for your transactions.
  • The common limits apply to all extra users.
  • The common limits for all channels also apply to the Teleservices agreements of minors.

If you do not agree with the above changes, you can cancel your Teleservices agreement by notifying us by 28 October 2019. The agreements of minors can be cancelled by their legal representatives.

Answers to frequently asked questions

Settlements

Effective from Effective to
Conditions of current account 01.06.2018 Effective now documentPDF documentBDOC
13.02.2014 31.05.2018 documentPDF documentBDOC
01.01.2011 12.02.2014 documentPDF
22.05.2010 31.12.2010 documentPDF
17.03.2009 21.05.2010 documentPDF
Conditions of standing order 22.05.2010 Effective now documentPDF documentBDOC
17.03.2009 21.05.2010 documentPDF
Terms and Conditions for Making Payment Transactions 01.04.2020 Effective now documentPDF documentBDOC
01.06.2018 31.03.2020 documentPDF documentBDOC
18.09.2016 31.05.2018 documentPDF documentBDOC
01.02.2014 17.09.2016 documentPDF
01.01.2012 31.01.2014 documentPDF
23.05.2010 31.12.2011 documentPDF
Terms and conditions of e-invoice standing order agreement 13.06.2013 Effective now documentPDF documentBDOC
Terms of e-invoice ordering 17.09.2015 Effective now documentPDF documentBDOC
Conditions of foreign payment order 02.11.2009 22.05.2010 documentPDF

Cards

Effective from Effective to
Conditions of debit card 01.06.2018 Effective now documentPDF documentBDOC
01.09.2015 31.05.2018 documentPDF documentBDOC
01.01.2011 31.08.2015 documentPDF
22.05.2010 31.12.2010 documentPDF
17.03.2009 21.05.2010 documentPDF
Conditions of charge card 01.06.2018 31.12.2019 documentPDF documentBDOC
01.09.2015 31.05.2018 documentPDF
01.05.2013 31.08.2015 documentPDF
01.07.2011 30.04.2013 documentPDF
01.01.2011 30.06.2011 documentPDF
Conditions of revolving credit card 01.06.2018 Effective now documentPDF documentBDOC
01.10.2017 31.05.2018 documentPDF
01.09.2015 30.09.2017 documentPDF
01.01.2011 31.08.2015 documentPDF
22.05.2010 31.12.2010 documentPDF
03.12.2009 21.05.2010 documentPDF
Terms and conditions of the agreement on the usage of the Platinum credit card for private person 01.06.2018 Effective now documentPDF documentBDOC
01.06.2016 31.05.2018 documentPDF
Conditions of fixed payment credit card 01.06.2018 Effective now documentPDF documentBDOC
01.09.2015 31.05.2018 documentPDF
01.01.2011 31.08.2015 documentPDF
22.05.2010 31.12.2010 documentPDF
03.12.2009 21.05.2010 documentPDF
Terms and conditions of the agreement on the use of the ISIC Mastercard Student Card 01.06.2018 Effective now documentPDF documentBDOC
01.09.2015 31.05.2018 documentPDF documentBDOC
21.08.2013 31.08.2015 documentPDF

Banking channels

Effective from Effective to
Conditions of teleservices agreement 29.10.2019 Effective now documentPDF documentBDOC
22.11.2018 28.10.2018 documentPDF documentBDOC
13.01.2018 21.11.2018 documentPDF
17.09.2015 12.01.2018 documentPDF
01.12.2012 16.09.2015 documentPDF
22.05.2010 30.11.2012 documentPDF
17.03.2009 21.05.2010 documentPDF
User Terms of Websites 20.04.2018 Effective now documentPDF
01.12.2012 19.04.2018 documentPDF
01.03.2010 30.11.2012 documentPDF
Balance in mobile 01.06.2018 Effective now documentPDF
Conditions of mobile payment contract 01.06.2018 Effective now documentPDF
01.01.2011 31.05.2018 documentPDF
22.05.2010 31.12.2010 documentPDF
17.03.2009 21.05.2010 documentPDF
Swedbank’s Cookie Policy 20.04.2018 Effective now documentPDF
Swedbank Gateway Service Agreement 04.04.2019 Effective now documentPDF documentBDOC
01.06.2018 03.04.2019 documentPDF documentBDOC
06.04.2017 31.05.2018 PDF
19.04.2012 05.04.2017 documentPDF
22.05.2010 18.04.2012 documentPDF
Information about automatic chat and personal data processing 25.04.2019 Effective now documentPDF

Deposits

Effective from Effective to
Depositor information sheet 12.05.2016 Effective now documentPDF
Conditions of term deposit 22.05.2010 Effective now documentPDF documentBDOC
17.03.2009 21.05.2010 documentPDF
Easy Saver Agreement Terms and Conditions 07.05.2020 Effective now documentPDF documentBDOC
Conditions of savings deposit 07.04.2011 Effective now documentPDF documentBDOC
22.05.2010 06.04.2011 documentPDF
17.03.2009 21.05.2010 documentPDF
Terms and Conditions of Overnight Deposit Agreement 22.05.2010 Effective now documentPDF documentBDOC
17.03.2009 21.05.2010 documentPDF
Terms and Conditions of Investment Deposit Agreement 16.12.2014 Effective now documentPDF
20.08.2012 15.12.2014 documentPDF
01.01.2011 19.08.2012 documentPDF
01.05.2009 31.12.2010 documentPDF
Conditions of investment deposit

Loans

Effective from Effective to
Standard loan agreement terms and conditions *Standard loan agreement terms and conditions shall be one part of the loan agreement, the rest of conditions shall be regulated in the loan agreement concluded between the bank and the borrower. 13.06.2016 Effective now documentPDF
21.03.2016 12.06.2016 documentPDF
01.10.2015 20.03.2016 documentPDF
01.05.2013 30.09.2015 documentPDF
01.07.2011 30.04.2013 documentPDF
06.09.2010 30.06.2011 documentPDF
01.01.2010 05.09.2010 documentPDF
17.03.2009 31.12.2009 documentPDF
17.11.2008 16.03.2009 documentPDF
15.01.2007 16.11.2008 documentPDF
Conditions of small loan 31.10.2016 Effective now documentPDF
21.03.2016 30.10.2016 documentPDF
01.10.2015 20.03.2016 documentPDF
01.08.2014 30.09.2015 documentPDF
03.06.2013 31.07.2014 documentPDF
01.07.2011 02.06.2013 documentPDF
23.03.2011 30.06.2011 documentPDF
01.01.2010 22.03.2011 documentPDF
17.03.2009 31.12.2009 documentPDF
Conditions of credit line 01.10.2015 Effective now documentPDF documentBDOC
01.03.2015 30.09.2015 documentPDF

General conditions and principles

Effective from Effective to
General Terms of Vehicle MS Contract 01.02.2019 Effective now documentPDF
01.07.2013 31.01.2019 documentPDF
01.05.2012 30.06.2013 documentPDF
01.01.2011 30.04.2012 documentPDF
01.08.2010 31.12.2010 documentPDF
General Terms of Full Service Lease 01.02.2019 Effective now documentPDF
01.07.2013 31.01.2019 documentPDF
01.05.2012 30.06.2013 documentPDF
22.08.2011 30.04.2012 documentPDF
01.04.2011 21.08.2011 documentPDF
01.01.2011 31.03.2011 documentPDF
General conditions of Swedbank 01.06.2018 Effective now documentPDF documentBDOC
01.02.2016 31.05.2018 documentPDF documentBDOC
01.07.2014 31.01.2016 documentPDF
01.06.2012 30.06.2014 documentPDF
01.01.2011 31.05.2012 documentPDF
22.05.2010 31.12.2010 documentPDF
17.03.2009 21.05.2010 documentPDF
General Terms and Conditions of Lease Contract 01.02.2019 Effective now documentPDF
01.05.2012 31.01.2019 documentPDF
01.01.2012 30.04.2012 documentPDF
01.01.2011 31.12.2011 documentPDF
01.01.2010 31.12.2010 documentPDF
17.03.2009 31.12.2009 documentPDF
General Terms and Conditions of Hire-Purchase 01.02.2019 Effective now documentPDF
01.05.2012 31.01.2019 documentPDF
01.01.2012 30.04.2012 documentPDF
01.01.2011 31.12.2011 documentPDF
01.01.2010 31.12.2010 documentPDF
01.03.2009 31.12.2009 documentPDF
Authorised processors are partners of the Estonian companies of Swedbank 01.06.2018 Effective now documentPDF
01.04.2016 31.05.2018 documentPDF
01.07.2015 31.03.2016 documentPDF
01.07.2014 30.06.2015 documentPDF
20.02.2014 30.06.2014 documentPDF
01.11.2010 19.02.2014 documentPDF
01.01.2008 31.10.2010 documentPDF
Principles of processing Client data 01.03.2020 Effective now documentPDF documentBDOC
25.05.2018 29.02.2020 documentPDF documentBDOC
27.03.2018 24.05.2018 documentPDF documentBDOC
01.09.2015 26.03.2018> documentPDF documentBDOC
01.01.2014 31.08.2015 documentPDF
22.05.2010 31.12.2013 documentPDF
17.03.2009 21.05.2010 documentPDF
Procedure for processing customer complaints 12.02.2020 Effective now documentPDF
15.01.2019 11.02.2020 documentPDF
01.08.2016 14.01.2019 documentPDF
01.10.2014 31.07.2016 documentPDF

Investing

Effective from Effective to
Conditions for Providing Investment Services 30.06.2020 Effective now documentPDF documentBDOC
Conditions for Providing Investment Services 03.05.2019 Effective now documentPDF documentBDOC
03.05.2019 29.06.2020 documentPDF documentBDOC
03.01.2018 02.05.2019 documentPDF
01.10.2017 02.01.2018 documentPDF
04.01.2016 30.09.2017 documentPDF
20.12.2012 03.01.2016 documentPDF
20.07.2012 19.12.2012 documentPDF
18.08.2011 19.07.2012 documentPDF
02.08.2010 17.08.2011 documentPDF
07.12.2009 01.08.2010 documentPDF
Terms and conditions of standing order agreement for purchasing voluntary pension fund units 27.06.2019 Effective now documentPDF documentBDOC
01.11.2018 26.06.2019 documentPDF documentBDOC
Terms and conditions of standing order agreement for purchasing fund unit 18.06.2020 Effective now documentPDF documentBDOC

Swedbank P&C Insurance AS

Effective from Effective to
General conditions 01.03.2008 Effective now documentPDF
Information about the insurance agent (Swedbank AS) 12.04.2018 Effective now documentPDF
Information about the insurance agent (Swedbank Liising AS) 12.04.2018 Effective now documentPDF
Traffic insurance
Insurance product information document 19.07.2018 Effective now documentPDF
12.04.2018 18.07.2018 documentPDF
Pre-contractual Information about Traffic Insurance 08.04.2019 Effective now documentPDF
Casco
Terms and Conditions of Casco Insurance 25.05.2018 Effective now documentPDF
01.10.2016 24.05.2018 documentPDF
19.09.2013 30.09.2016 documentPDF
Insurance product information document 12.04.2018 Effective now documentPDF
Pre-contractual Information about Casco Insurance 08.04.2019 Effective now documentPDF
Home insurance
Home Insurance Terms and Conditions 25.05.2018 Effective now documentPDF
17.08.2017 24.05.2018 documentPDF
01.04.2013 16.08.2017 documentPDF
Pre-contractual Information about Home Insurance 08.04.2019 Effective now documentPDF
Insurance product information document 12.04.2018 Effective now documentPDF
Apartment building insurance
Terms and Conditions of Apartment Building Insurance 25.05.2018 Effective now documentPDF
01.01.2011 24.05.2018 documentPDF
Insurance product information document 12.04.2018 Effective now documentPDF
Loan Payment Protection Insurance
Terms and Conditions of Loan Payment Protection Insurance 25.05.2018 Effective now documentPDF
01.04.2013 24.05.2018 documentPDF
Insurance product information document 12.04.2018 Effective now documentPDF
Pre-contractual Information about Loan Payment Protection Insurance 08.04.2019 Effective now documentPDF
Credit Card Insurance
Terms and Conditions of Credit Card Insurance 25.05.2018 Effective now documentPDF
13.08.2015 24.05.2018 documentPDF
01.01.2011 12.08.2015 documentPDF
Insurance product information document 12.04.2018 Effective now documentPDF
Purchase protection
Purchase protection for Credit Cards 25.05.2018 Effective now documentPDF
15.09.2016 24.05.2018 documentPDF
Insurance product information document 25.09.2018 Effective now documentPDF
Travel insurance
Travel insurance terms and conditions 01.02.2019 Effective now documentPDF
25.05.2018 31.01.2019 documentPDF
01.07.2016 24.05.2018 documentPDF
Insurance product information document 12.04.2018 Effective now documentPDF
Pre-contractual Information about Travel Insurance 08.04.2019 Effective now documentPDF
Travel insurance conditions for Gold revolving credit card 01.02.2019 Effective now documentPDF
25.05.2018 31.01.2019 documentPDF
01.07.2016 24.05.2018 documentPDF
01.09.2015 30.06.2016 documentPDF
01.01.2011 31.08.2015 documentPDF
Travel insurance conditions for Platinum Credit Cards 01.02.2019 Effective now documentPDF
25.05.2018 31.01.2019 documentPDF
01.06.2016 24.05.2018 documentPDF
Insurance product information document for credit cards 01.02.2019 Effective now documentPDF
25.09.2018 31.01.2019 documentPDF

Swedbank Life Insurance SE

Effective from Effective to
Supplementary funded pension insurance contracts
Unit-Linked Pension Insurance 12.08.2013 Effective now documentPDF
01.01.2011 11.08.2013 documentPDF
31.12.2009 31.12.2010 documentPDF
Pension Insurance+ 17.05.2018 Effective now documentPDF
12.08.2013 16.05.2018 documentPDF
07.04.2011 11.08.2013 documentPDF
Private Pension Portfolio 17.05.2018 Effective now documentPDF
12.08.2013 16.05.2018 documentPDF
20.05.2010 11.08.2013 documentPDF
31.12.2009 19.05.2010 documentPDF
Swedbank V+ Pension Insurance 31.12.2009 Effective now documentPDF
Personal Pension Scheme 12.03.2015 Effective now documentPDF
31.12.2009 11.03.2015 documentPDF
Unit-linked life insurance contracts
Fund Plan 12.08.2013 Effective now documentPDF
01.01.2011 11.08.2013 documentPDF
31.12.2009 31.12.2010 documentPDF
College Fund+ 17.05.2018 Effective now documentPDF
12.08.2013 16.05.2018 documentPDF
07.04.2011 11.08.2013 documentPDF
College Fund 01.01.2011 Effective now documentPDF
31.12.2009 31.12.2010 documentPDF
Private Portfolio 17.05.2018 Effective now documentPDF
12.08.2013 16.05.2018 documentPDF
20.05.2010 11.08.2013 documentPDF
31.12.2009 19.05.2010 documentPDF
Life insurance contracts on death
Life Insurance Plus 17.05.2018 Effective now documentPDF
10.09.2014 16.05.2018 documentPDF
12.08.2013 09.09.2014 documentPDF
18.12.2012 11.08.2013 documentPDF
31.12.2009 17.12.2012 documentPDF
Loan Insurance 17.05.2018 Effective now documentPDF
12.08.2013 16.05.2018 documentPDF
18.12.2012 11.08.2013 documentPDF
31.12.2009 17.12.2012 documentPDF
Life Insurance 17.05.2018 Effective now documentPDF
10.09.2014 16.05.2018 documentPDF
12.08.2013 09.09.2014 documentPDF
31.12.2009 11.08.2013 documentPDF
Conditions of supplementary insurance
Illness and Accident Insurance (PK) 01.07.2016 Effective now documentPDF
18.12.2012 30.06.2016 documentPDF
Illness and Accident Insurance (PH) 01.07.2016 Effective now documentPDF
18.12.2012 30.06.2016 documentPDF
Conditions of Accident Insurance 31.12.2009 Effective now documentPDF