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Opening accounts

Effective as of 01.10.2020
Opening an account free of charge
Fee for handling documents submitted to open an account The bank will start handling the documents after receiving the fee. The fee will not be returned in case the bank decides not to open an account. The fee will not be applied for each subsequent account.
For residents of Estonia and EU member states (including Norway, Iceland, Liechtenstein, Switzerland) free of charge
For residents of other countries 200 €

Closing accounts

Effective as of 30.06.2014
Disbursement of payments made to a private person's closed account
Direction of payments to a Swedbank account within 1 month as of closure of the account free of charge
Direction of payments to an account with another Estonian bank within 1 month as of closure of the account fee of the domestic payment in a branch

Account information

Effective as of 01.10.2020
Account statement from digital channels free of charge
Account statement from a branch

For Private person once a year free of charge on transactions made up to 12 months ago.

Upon the statement by post, fee for transmission of bank documents will be added, as stated under Additional services.

5 €
Current account default interest rate 0.2% a day

 

Effective as of 01.01.2015
Currency Annual interest rate
  • Current account interest is presented as a percentage on a basis of year (360 days).
  • Interest is calculated on the account balance as of the end of day and is rounded to two places after the decimal point.
  • Interest calculated on current accounts is transferred to accounts once a month not later than on the third day following the calculating month.
  • Interest calculated over month that remains below 0,05 € is not paid out or transferred into the next month.
  • Account interest for foreign currencies is 0%.
EUR 0.01%
 
Effective as of 01.10.2020
Outgoing payments Digital channels ATMs only perform intra-bank and domestic payments in euros. Branches and consultation centre
Intra-bank payment
Intra-bank payment in euros 0,16 €, free of charge for people up to 25 years of age (incl.) and over 65 years of age (incl.) Also applies to clients who were at least 60 years old on 8th of March 2018 and held a current account 2,30 €
Intra-bank payment between client`s accounts free of charge 2,30 €
Intra-bank payment in foreign currency 2 € 2,30 €
Domestic payment (incl. instant payment) and European payment
Domestic payment (incl. instant payment*) and European payment**

*Instant payment can be sent via Internet bank or mobile app Swedbank Eestis if payment amount does not exceed 15 000 €

**Terms and conditions of a European payment:

  • the payment currency is the euro;
  • the correct IBAN is indicated in the payment;
  • the service fee type is ‘shared’;
  • the beneficiary’s bank (remitter`s bank when incoming payment) is located in a Member State of the European Union (or Norway, Iceland, Liechtenstein, Switzerland, Aland Islands, Azores, Ceuta and Melilla, Gibraltar, Guadeloupe, Canary Islands, Madeira, Martinique, French Guinea, Reunion, Monaco, San Marino, Vatican, Andorra).
International payment fee is applied when the beneficiary’s IBAN is not indicated in the payment.

0,38 €, free of charge for people up to 25 years of age (incl.) 3,20 €
Domestic urgent payment and European urgent payment
Up to 10 000 € (incl.) 7 € 9 €
Over 10 000 € 30 € 32 €
Payment within Swedbank Group Payments to Swedbank (Latvia, Lithuania, Sweden, Finland, Norway, Denmark) reach the beneficiary's account in the full amount. The beneficiary’s IBAN must be specified.
Within Swedbank Group in euros 0,38 €, free of charge for people up to 25 years of age (incl.) 3,20 €
Within Swedbank Group in foreign currency 2 € 3,20 €
International payment
An ordinary payment
Charges are shared The remitter pays the service fee of Swedbank and the beneficiary pays the service fees of all other banks. 6 € 20 €
Charges paid by remitter The remitter pays the service fees of Swedbank and foreign banks. If the beneficiary's bank's service fee exceeds the amount paid by the remitter for the beneficiary, the current account of the remitter shall be automatically debited with the corresponding difference of service fees. Additionally debited service fee can be 63,91€ at most. This type of payment orders are no longer performed if the payment recipient’s bank is situated in the European Union or the European Economic Area. 25 € 35 €
An urgent payment
Charges are shared The remitter pays the service fee of Swedbank and the beneficiary pays the service fees of all other banks. 10 € 30 €
Charges paid by remitter The remitter pays the service fees of Swedbank and foreign banks. If the beneficiary's bank's service fee exceeds the amount paid by the remitter for the beneficiary, the current account of the remitter shall be automatically debited with the corresponding difference of service fees. Additionally debited service fee can be 63,91€ at most. This type of payment orders are no longer performed if the payment recipient’s bank is situated in the European Union or the European Economic Area. 30 € 45 €
An express payment EUR/USD
Charges are shared

The remitter pays the service fee of Swedbank and the beneficiary pays the service fees of all other banks.

If an express payment is European payment then fee for the payment is according to an European urgent payment.

35 € 40 €
Charges paid by remitter The remitter pays the service fees of Swedbank and foreign banks. If the beneficiary's bank's service fee exceeds the amount paid by the remitter for the beneficiary, the current account of the remitter shall be automatically debited with the corresponding difference of service fees. Additionally debited service fee can be 63,91€ at most. This type of payment orders are no longer performed if the payment recipient’s bank is situated in the European Union or the European Economic Area. 45 € 55 €
Incoming payment Fee
Intra-bank payment, domestic payment (incl instant payment*, European payment**, payment within Swedbank Group***)

*Instant payment can be sent via Internet bank or mobile app Swedbank Eestis if payment amount does not exceed 15 000 €

**Terms and conditions of a European payment:

  • the payment currency is the euro;
  • the correct IBAN is indicated in the payment;
  • the service fee type is ‘shared’;
  • the beneficiary’s bank (remitter`s bank when incoming payment) is located in a Member State of the European Union (or Norway, Iceland, Liechtenstein, Switzerland, Aland Islands, Azores, Ceuta and Melilla, Gibraltar, Guadeloupe, Canary Islands, Madeira, Martinique, French Guinea, Reunion, Monaco, San Marino, Vatican, Andorra).
International payment fee is applied when the beneficiary’s IBAN is not indicated in the payment.

***Payments to Swedbank (Latvia, Lithuania, Sweden, Finland, Norway, Denmark) reach the beneficiary's account in the full amount. The beneficiary’s IBAN must be specified.

free of charge
International payment
Charges are shared

The remitter pays the service fee of Swedbank and the beneficiary pays the service fees of all other banks.

If an express payment is European payment then fee for the payment is according to an European urgent payment.

6 €
Charges paid by remitter The remitter pays the service fees of Swedbank and foreign banks. If the beneficiary's bank's service fee exceeds the amount paid by the remitter for the beneficiary, the current account of the remitter shall be automatically debited with the corresponding difference of service fees. Additionally debited service fee can be 63,91€ at most. This type of payment orders are no longer performed if the payment recipient’s bank is situated in the European Union or the European Economic Area. free of charge
Other payment services Digital channels Branches and consultation centre
Domestic and international standing order
Setting up, changing, cancelling free of charge free of charge
Execution of a standing order according to digital channel payment price (free of charge if to savings deposit)  
E-invoice and E-invoice standing order
Setting up, changing, cancelling free of charge free of charge
One-time payment of an E-invoice according to digital channel payment price according to branch and consultation center payment price
Execution of an E-invoice standing order free of charge  
Other payment related services Fee
Cancellation or amendment of a domestic payment The bank will not return the service charges paid by the remitter, if the payment could not be cancelled/amended.
Payment order not sent out of the bank The price does not apply to payments with future value date if the payment is cancelled before the arrival of the payment date. 3,20 €
Payment order sent out of the bank 10 €
Cancellation or amendment of an international payment (incl. European payment, payment within Swedbank Group) The bank will not return the service charges paid by the remitter, if the payment could not be cancelled/amended.
Payment order not sent out of the bank (8) or sent out of the bank 20 € + costs of foreign banks
Queries about payments
Regarding intra-bank, domestic (incl. instant payment*) and domestic European payment**

*Instant payment can be sent via Internet bank or mobile app Swedbank Eestis if payment amount does not exceed 15 000 €

**Terms and conditions of a European payment:

  • the payment currency is the euro;
  • the correct IBAN is indicated in the payment;
  • the service fee type is ‘shared’;
  • the beneficiary’s bank (remitter`s bank when incoming payment) is located in a Member State of the European Union (or Norway, Iceland, Liechtenstein, Switzerland, Aland Islands, Azores, Ceuta and Melilla, Gibraltar, Guadeloupe, Canary Islands, Madeira, Martinique, French Guinea, Reunion, Monaco, San Marino, Vatican, Andorra).
International payment fee is applied when the beneficiary’s IBAN is not indicated in the payment.

10 €
Regarding international payment (incl. within Swedbank Group) Payments to Swedbank (Latvia, Lithuania, Sweden, Finland, Norway, Denmark) reach the beneficiary's account in the full amount. The beneficiary’s IBAN must be specified. 20 € + costs of foreign banks
Copy of the SWIFT/SEPA message
One-time order 10 €/pcs
From digital channels free of charge

 

Effective as of 01.10.2020
Cash deposit and withdrawal in branches (excl. coins) 0,50%, min 5 €
To another person’s account, which is located in the Swedbank (in case of coins, fee for Payment of coins to current account will be added Person who does not have current account in Swedbank can deposit cash to another person’s account, which is located in the Swedbank up to 500 € per day. 0,50%, min 10 €
Deposit of coins to an account 5%, min 5 €
Deposit of coins to a minor’s account The fee is charged on the amount that exceeds 100 € per calendar month and the coins are deposited in branch. The service fee is client-based and calculated based on a calendar month. up to 100 € per month – free of charge; over 100 € per month – 5% of the amount exceeding 100 €
Withdrawal of coins from an account 5%, min 5 €
Verification of a banknote 0,20 €/banknote
Cash reservation
Reservation of large amounts of cash The size of the sum as of which cash needs to be reserved is 12 000 € (banknotes) and 500 € coins. The reservation application must be submitted to the bank not later than by 2.00 p.m. Reservation over 50 000 euros is paid out on a banking day with service fee which agreed with bank beforehand. In one branch during 1 day maximum 500 euro coins are paid out, assumption that the branch has requested amount or nominal value of the coins. free of charge
Fee for cancelling a reservation 50 €
Withdrawal of non-reserved sums of cash exceeding the reservation limit, on the same day

The size of the sum as of which cash needs to be reserved is 12 000 € (banknotes) and 500 € coins. The reservation application must be submitted to the bank not later than by 2.00 p.m. Reservation over 50 000 euros is paid out on a banking day with service fee which agreed with bank beforehand. In one branch during 1 day maximum 500 euro coins are paid out, assumption that the branch has requested amount or nominal value of the coins.

In case the amount required is available at the branch, it can be withdrawn on the same day, but extra fee applies.

80 € + withdrawal fee

Debit cards

Effective as of 01.10.2020
Issuing the first debit card associated with a client Except ISIC MasterCard Student card. free of charge
Issuing subsequent debit cards Except ISIC MasterCard Student card. according to price list
Debit card Plus
Issuing a card 2,50 €
Monthly fee 1,28 €
monthly fee for up to 19-year old client (incl.) free of charge
monthly fee for 20–25-year old client (incl.) 0,32 €
monthly fee for 65-and older clients (incl.) 0,32 €
A temporary ATM card (valid for 1 month)
Issuing a card 2,50 €
ISIC Mastercard Student card
Issuing a card 6,33 €
Replacement a card 6,33 €
Monthly fee 0,32 €
Renewal a card 6,33 €
Youth card Youth card in not issued from 2nd of April 2019.
Monthly fee for up to 19-year old client (incl.) free of charge
Monthly fee for 20–25-year old client (incl.) 0,32 €
Senior card Senior card in not issued from 2nd of April 2019.
Monthly fee 0,32 €
Mastercard Private Banking Card
Issuing a card 2,50 €
Monthly fee 1,98 €
Renewal of debit cards free of charge
Penalty 0,2% a day

Credit cards

Effective as of 01.10.2020
Revolving credit card (Mastercard/Visa) Revolving credit cards from Visa are not issued from January 22nd, 2020.
Monthly fee 1,30 € (free of charge for people up to 25 years of age)
Monthly fee of an additional card 1,30 €
Annual interest rate 19-22%
Penalty ECB interest rate + 8% a year (currently 0,022% a day, 8,00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Fixed payment credit card (Mastercard)
Annual interest rate 19-22%
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Debt notice 3 €
Gold revolving credit card (Mastercard) When paying for goods or services with the private person’s Gold Revolving credit card, the bank shall not calculate interest as from making the transaction with the respective card until the 10th calendar day (incl.) of the following month, after the aforementioned period, the bank shall begin calculating interest. Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
Monthly fee 4,96 €
Monthly fee of an additional card 3,36 €
Annual interest rate 17-20%
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Debt notice 3 €
Platinum credit card (Visa) When paying for goods or services with the Platinum Credit Card, the transaction amount is subject to an up to 40-day interest-free period (between the date of purchase and the payment date). Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
Monthly fee 12,90 €
Monthly fee of an additional card 10,90 €
Visa Platinum extra package 160,20 € a year

If the period between ordering Platinum extra package and expiry of Platinum credit card, is less than one year, the Bank will debit a fee for an extra package in full amount.

The price is inclusive of VAT at the rate of 20%.

Annual interest rate 14-17%
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
the Priority Pass salon visit fee
for holder of Visa Platinum card with extra package free of charge
for holder of Visa Platinum card without extra package 28 € per visitor
for persons accompanying Visa Platinum cardholder 28 € per visitor
Platinum credit card (Mastercard) When paying for goods or services with the Platinum Credit Card, the transaction amount is subject to an up to 40-day interest-free period (between the date of purchase and the payment date). Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
Monthly fee 14,90 €
Monthly fee of an additional card 12,90 €
Platinum extra package 160,20 € a year

If the period between ordering Platinum extra package and expiry of Platinum credit card, is less than one year, the Bank will debit a fee for an extra package in full amount.

The price is inclusive of VAT at the rate of 20%.

Annual interest rate 14-17%
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
The LoungeKey salon visit fee
for holder of Platinum credit card with extra package 20 free visits per calendar year, exceeding the limit, a fee of 28 € per visitor will be charged
for holder of Platinum credit card without extra package 28 € per visitor
for persons accompanying Platinum cardholder 28 € per visitor
Credit card opening fee
Opening the card in a branch 2,50 €
Opening the card in digital channels 1,50 €
Replacement of a credit card 7 €
Renewal of credit card (incl. additional cards) free of charge

Card transactions

Effective as of 01.10.2020
Depositing euros using a debit card in Swedbank terminal in Estonia A limit of 7500 euros per month on cash deposited in ATMs will be applied to debit cards. The fee is charged on the amount that exceeds 5000 € per calendar month and the cash is deposited in home bank’s terminal. The service fee is client-based and calculated based on a calendar month.
Up to 5000 € per calendar month free of charge
Over 5000 € per calendar month 0,25% of the amount exceeding 5000 € per month
Cash withdrawal with debit cards issued by Swedbank from Swedbank Group ATMs in Estonia, Latvia, Lithuania, Sweden ATM in Sweden is Bankomat.
Up to 2000 € per calendar month free of charge
Over 2000 € per calendar month 0,3% of the amount exceeding 2000 €
Cash withdrawal from other bank’s terminals in Estonia and abroad 1 € + 2,5% of the amount
Cash withdrawal with credit cards (without Platinum credit card (Mastercard)) Upon withdrawing cash from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account. 1,92 € + 2,5% of the amount
Cash withdrawal with Platinum credit card (Mastercard) Upon withdrawing cash from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
Up to 1000 € per calendar month free of charge
Over 1000 € per calendar month 2,5% of the amount exceeding 1000 € per month
Credit card statement from a branch
Previous month statement free of charge
Earlier statements 4 € per month
Amendment of a credit card agreement
In a branch 10 € (excluding changing the user limits)
In digital channels free of charge
Increase of credit card’s credit limit If upon the renewal of a credit card on the basis of an application, the credit limit of the credit card is rounded by increasing or decreasing the credit limit up to 50 € (incl.), no fee for amending the credit limit shall be charged when increasing or decreasing the credit limit.
In a branch 10 €
In digital channels 3,20 €
Conversion fee for transactions in foreign currencies Added to the amount of every transaction made with the card if the card transaction is in a currency other than the euro.
VISA or Mastercard (except Platinum credit card (Mastercard)) 1% of transaction amount
With Platinum credit card (Mastercard) no currency exchange surcharge
Sending a card by mail
Inside Estonia free of charge
From one branch to another 2,50 €
Penalty for using a closed card 65 €
Emergency cash assistance in abroad in Western Union service points If the ordered service is canceled, the bank will not refund the service fee. 40 €
Copy of a receipt (inquiry)
a transaction in Estonia 4 €
a transaction abroad 8 €
Demand for refund, unjustified
a transaction in Estonia 12 €
a transaction abroad In case disputing card transaction made abroad, additional costs of the card organizations may apply. 16 €
Balance inquiry and statement in Swedbank’s terminals in Estonia free of charge
Balance inquiry in other bank’s terminals in Estonia and abroad The availability of the service in a foreign country depends on the foreign bank's ATM technical possibilities and service can be used with MasterCard/Maestro cards. 0,32 € per query
Transfer from credit card limit account according to regular bank transfers pricelist
Making payments in ATMs and payment terminals using debit cards
Intra-bank payment 0,16 € (free of charge for people over 65 years of age (incl.)) This also applies to clients who were at least 60 years old on 1 September 2015 and held a current account.
Domestic payment 0,38 €
Retrieval of bank cards from other banks from Swedbank ATMs 30 €

 

Effective as of 20.01.2020
Plans name Set-up fee Monthly fee
Payments Plan

Includes:

  • One debit card with no maintenance fee;
  • Free intra-bank and domestic payment in Euros (incl. Instant payment), European payments and Swedbank Group payments in Internet bank, Swedbank mobile app, as a standing payment order;
  • Execution of the E-invoice standing order

The plan can be selected by clients starting from age 26.

free of charge 1,5 €

 

Effective as of 18.03.2020
Housing loan and Home equity loan
Agreement fee 1% of the loan amount, no less than 190 €
KredEx collateral fee 3 % of the surety amount
Amendment of the agreement 190 €
excl. loan principal repayment holiday free of charge
excl. amendment of the payment date (in branch or in Internet Bank) free of charge
excl. amendment of the servicing account (in branch or in Internet Bank) free of charge
Lowering the interest rate, formalisation of an additional sum 1% of the loan amount, no less than 190 €
Early repayment fee (including partial repayment)
in a branch In the event of early repayment of a fixed-interest euro loan in the course of the period of fixation of the loan interest rate, an early repayment fee is charged as a difference between the contractual fixed interest rate of the euro and the fixed interest rate of the euro in the period from the early repayment until the end of the interest rate fixation. The early repayment fee is calculated on the respective period as from the date of early repayment until the contractual date of expiry of the fixation. the amount of 3 months' interest (not applied in case of 3 months' advance notice)
in digital channels In the event of early repayment of a fixed-interest euro loan in the course of the period of fixation of the loan interest rate, an early repayment fee is charged as a difference between the contractual fixed interest rate of the euro and the fixed interest rate of the euro in the period from the early repayment until the end of the interest rate fixation. The early repayment fee is calculated on the respective period as from the date of early repayment until the contractual date of expiry of the fixation. the amount of 1 month interest
Fee for processing arrears 3,20 €
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Student loan
First application (in the 2020/2021 academic year) free of charge
First application via the Internet Bank free of charge
Refinancing 7 €
Amendment of the repayment schedule (frequency of repayment and amendment of the due date of the schedule) 7 €
Preparation of a special schedule 16 €
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Default interest after the due date of the loan (i.e. after termination of the agreement by the bank) annual interest rate under the agreement
Compensation for prepayment of the loan amount or a part thereof

If the collateral is property, the amount of the compensation may not be bigger than the amount the borrower would have paid as interest in the period between the prepayment date and the loan maturity date.

Applies to the agreements concluded since 01.07.2011.

1% of the prepaid loan amount or the part thereof if the period between the prepayment date and the loan maturity date is longer than one year
Compensation for prepayment of the loan amount or a part thereof

If the collateral is property, the amount of the compensation may not be bigger than the amount the borrower would have paid as interest in the period between the prepayment date and the loan maturity date.

Applies to the agreements concluded since 01.07.2011.

0.5% of the prepaid loan amount or the part thereof if the period between the prepayment date and the loan maturity date does not exceed one year
Credit line
Annual interest rate 13-22%
Agreement fee in a branch 1,5% of the credit limit, no less than 45 €
Agreement fee in Internet Bank (i.e. there is an offer) 1,5% of the credit limit, no less than 35 €
Commitment fee 1,2% of the unused credit limit (annual rate)
Automatic credit limit extension fee free of charge
Increasing the credit limit 1% of the additional credit limit, no less than 35 €
Credit limit reduction fee free of charge
Amendment of the payment date free of charge
Amendment of the servicing account free of charge
Early termination of the agreement free of charge
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Default interest after the end term of the agreement (i.e. after termination of the agreement by the bank) annual interest rate under the agreement
Small loan
Annual interest rate 12,90-22,90%
Agreement fee in a branch 1,5% of the loan amount, no less than 50 €
Agreement fee in Internet Bank and Mobile Bank (i.e loan agreement concluded based on an offer) 1,5% of the loan amount, no less than 35 €
Formalization of an additional amount in a branch 1,5% of the additional amount, no less than 50 €
Formalization of an additional amount in Internet Bank 1,5% of the additional amount, no less than 35 €
Amendment of the agreement 25 €
Amendment of the payment date free of charge
Amendment of the servicing account free of charge
Re-registration of loan products into a small loan 1,5% of the loan amount, no less than 35 €
Repayment of the loan (including partial repayment) free of charge
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Default interest after the due date of the loan (i.e. after termination of the agreement by the bank) annual interest rate under the agreement
Car loan
Annual interest rate 7,90-16,90%
Agreement fee 1,5% of the loan amount, no less than 100 €
Amendment of the interest rate 50 €
Other fees according to small loan price list
Home small loan
Annual interest rate 7,90-14,90%
Agreement fee 1% of the loan amount, no less than 100 €
Formalization of an additional amount 1% of the additional amount, no less than 100 €
Amendment of the interest rate 50 €
Other fees according to small loan price list

Vehicle leasing

Effective as of 01.10.2020
Agreement fee 1,5% of the price of the property, no less than 200 €
Amendment of the lease agreement
Changing the payment date (first change is free of charge) 30 €
Restoration of the agreement, repayment holiday 65 €
Changing the type or period of the agreement, changing a collateral (e.g. surety, guarantee) other changes 160 €
Making an additional payment of operating lease 160 €
Making an additional payment of capital lease and hire-purchase in the case of a floating interest agreement free of charge
Making an additional payment of capital lease and hire-purchase in the case of a fixed interest agreement ask for a quote
Early termination of the lease agreement (gaining ownership of the vehicle)
Early termination of an operating lease agreement (within the first 9 months of the agreement) the interest until the end of the 9th month
Early termination of an operating lease agreement (later than 9 months from agreement signing) free of charge (interest for the period used)
Early termination in the case of a fixed interest rate capital lease and hire-purchase sales agreement 1% of the sum of unpaid instalments if the agreement term expires in 1 year or later; 0.5% of the sum of unpaid instalments if the agreement term expires in less than 1 year
Early termination in the case of a floating interest rate capital lease and hire-purchase sales agreement free of charge (interest for the period used)
Purchasing of the vehicle by a third party in case of operating and capital lease agreements.

The price is inclusive of VAT at the rate of 20%.

In case of operating lease fee is applicable for early termination and contract expiration.

150 € (in addition to early termination fees)
Penalty ECB interest rate + 8% (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Other services The price is inclusive of VAT at the rate of 20%.
An unattested power of attorney of giving property to sublessee 50 €
An unattested power of attorney (e.g. exchange of the license plate, amendment of the user data, ordering of keys, etc.) 10 €
Formalization of Road Administration e-service transaction 5 €
Notarized power of attorney of the vehicle (e.g. using the vehicle) starting from 75 €
Payment of the costs of removing the vehicle (added to the direct costs of removing the vehicle) 30 €
Preparation of a certificate 10 €
Sending a notice on breach and cancellation of the agreement, forwarding a fine 10 €
Re-formalization of an invoice (incl. cancelling) 50 €
Contractual penalty for delays in the timely return of the vehicle 50 € a day
Document processing fee (e.g. archived documents) 30 €
Vehicle valuation service (incl. passenger cars, motorcycles and ATVs) 60 €
Truck, trailer, heavy machinery valuation service (incl. excavators, caravans, tractors, loaders, hoists, combine harvesters and couplings) 90 €
Water craft, forestry machinery valuation service 130 €
Provision of valuation services on site in Tallinn valuation service fee + 20 €
Provision of valuation services on site outside of Tallinn valuation service fee + fee as agreed
  • 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.

Account opening

Effective as of 03.02.2020
Securities Account
Internet bank free of charge
Branch office 4 €
Joint securities account 65 €

Account closing

 
All securities account types free of charge

Account statements
  • Bank account statements available free of charge from internet bank.
  • Statement fees are subject to 20% VAT.
  • For accounts opened with Estonian register of securities, account opening statement and statements of holdings and transactions for securities registered with the register are available at daily weekly, monthly, quarterly and annual frequency. Periodic statements are available free of charge at Nasdaq CSD Estonian branch Estonia webpage.

 
Bank statements
Securities account statement of holdings / transactions from branch office 2 €
Copy of transaction instruction 2 €
Nasdaq CSD Estonian branch statements 2 €

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), 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 0,18%, min 18 €
Italy, Portugal, Spain, Switzerland, Austria, Poland, Hungary, Czech 0,18%, min 25 €
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
Slovenia 0,7%, min 50 € 0,7%, min 75 €
Croatia 0,8%, min 50 € 0,8%, min 550 HRK
Romania 0,9%, min 50 € 0,9%, min 325 RON
Serbia 0,8%, min 50 € 0,8%, min 7500 RSD
Turkey 0,3%, min 50 € 0,3%, min 200 TRY
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

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, Croatia, Romania, Russia, Serbia, Slovenia, Turkey 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 20% 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.
  • 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, Estonia, France, Germany, Ireland, Italy, Latvia, Lithuania, Netherlands, Portugal, Spain, Switzerland, UK, USA, Depositary Receipts, Poland, Czech, Hungary, Bulgaria, Croatia, Romania, Serbia, Slovenia, Turkey, Russia, foreign funds

 
Swedbank Group funds free of charge
Other investments, equities, bonds
Up to 30 000 € free of charge
From the value above 30 000 € 0,008% per month, max 8 €

Other Services
  • Fees for other services are subject to 20% 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.

Bank internal securities account opening 50 €
Bank internal securities account monthly maintenance fee 50 €
Participation in general shareholder’s meeting subject to prior agreement
Tax reclaim subject to prior agreement
Tax relief at source subject to prior agreement

Second pillar pension funds

Effective as of 06.08.2018
Selection
Selection application free of charge
Selection application via an authorized natural or legal person 4,79 €
Switch
Switch free of charge
Switch via an authorized natural or legal person 7,99 €
Payments
One-off payment free of charge
Fund pension free of charge
Succession
Recovery of inherited pension fund units 20 €
Transfer of inherited pension units to successor’s pension account 3 €
Recovery of inherited pension fund units and transfer to successor’s pension account 20 €

Third pillar pension funds

 
Opening a pension account and selection of funds
Selection application free of charge
Selection application via an authorized natural or legal person 3,20 €
Contributions to third pillar pension fund
Standing order for purchasing voluntary pension fund units free of charge
Single payment for purchasing voluntary pension fund units free of charge
Switch No entry or redemption fees apply when switching between Swedbank’s voluntary pension funds and purchasing units thereof. A redemption fee is charged upon recovery (sale), incl. transfer to an insurance contract, according to the fund prospectus. Entry and redemption fees may be charged when switching between or purchasing or selling units of voluntary pension funds offered by other management companies according to the fund prospectus.
Switch free of charge
Switch via an authorized natural or legal person 3,20 €
Payments No entry or redemption fees apply when switching between Swedbank’s voluntary pension funds and purchasing units thereof. A redemption fee is charged upon recovery (sale), incl. transfer to an insurance contract, according to the fund prospectus. Entry and redemption fees may be charged when switching between or purchasing or selling units of voluntary pension funds offered by other management companies according to the fund prospectus.
One-off payment 3,20 €
Recovery of pension fund units and transfer to insurance contract No entry or redemption fees apply when switching between Swedbank’s voluntary pension funds and purchasing units thereof. A redemption fee is charged upon recovery (sale), incl. transfer to an insurance contract, according to the fund prospectus. Entry and redemption fees may be charged when switching between or purchasing or selling units of voluntary pension funds offered by other management companies according to the fund prospectus.
Recovery of units and transfer to Swedbank Life Insurance contract free of charge
Recovery of units and transfer to another insurance company’s contract 3,20 €
Succession No entry or redemption fees apply when switching between Swedbank’s voluntary pension funds and purchasing units thereof. A redemption fee is charged upon recovery (sale), incl. transfer to an insurance contract, according to the fund prospectus. Entry and redemption fees may be charged when switching between or purchasing or selling units of voluntary pension funds offered by other management companies according to the fund prospectus.
Recovery of inherited pension fund units 3,20 €
Transfer of inherited pension fund units to successor’s pension account 3,20 €
Recovery of inherited pension fund units and transfer to successor’s pension account 3,20 €
Pension account statement
Pension account statement from internet bank free of charge
Pension account statement from a branch 1,60 €
Pension account balance notice free of charge

Using of digital channels

 
Internet bank free of charge
Mobile app free of charge

Additional mobile services

Effective as of 27.01.2020
Balance in mobile
Agreement fee free of charge
Each balance query (a call at number 1503) call minute charge according to the operator’s price list, Swedbank does not charge extra
Alerts
Agreement fee free of charge
Each alert sent by the bank 0,19 €

Fees of identification tools used in electronic channels

Effective as of 01.04.2019
PIN calculator
Issuing a calculator for a private person over 65 years of age (incl.) 7 €
Issuing a calculator for a private person up to 65 years of age 15 €
Unlocking a PIN calculator free of charge

Certificates, documents

Effective as of 26.11.2020
Simple certificate 6 €
Urgent certificate issued on the same banking day (if the certificate is ordered on the same banking day before 1:00 PM 12 €
Certificates for audit firms 20 €/piece
In the case of groups 20 € per member
Certificate for Tax and Customs Board, Police, Court free of charge
An extract from the commercial register 4 €
Formalization of powers of attorney free of charge
Special query (including data to an electronic data meedium) 30€/hour
Ordering a copy of an original document from the archive 8€/ document
Authentication of a copy of a bank operation 2 €
Issuing copies (incl. digital) of documents related to the client’s transaction The price is inclusive of VAT at the rate of 20%. 9 €
Certificates of credit products
Certificate of existence, conditions, fulfilment, amendments, etc., of a credit product (per credit agreement in Estonian or in English) 4 €
Special or integrated ceritificate of one or several credit agreements ( certificate in Estonian or in English) 30€/hour
Certificate of loan interest paid previous years (in Estonian or in English ) of a credit product (per credit product) 4 €
Certificate of housing loan interest paid last year (in Estonian) free of charge
Certificate of housing loan interest paid last year (in English) 1,60 €
Sending bank documents
By post inside Estonia The price is inclusive of VAT at the rate of 20%. 5 €
By post, abroad The price is inclusive of VAT at the rate of 20%. 10 €
By DHL The price is inclusive of VAT at the rate of 20%. 15 € + the cost from service provider, debited later on the basis of an invoice
Other
ID card reader VAT at the rate of 20% will be added to the price. 5 €
Deposit box rent per month according to size (height/width/length) The price is inclusive of VAT at the rate of 20%.
Rent for box 50mm/240mm/430mm or 75mm/240mm/430mm 15 €
Rent for box 125mm/240mm/430mm or 175mm/240mm/430mm 25 €
Rent for box 300mm/430mm/430mm 30 €
Security deposit of the keys to a deposit box 200 €
Loss of a deposit box key VAT at the rate of 20% will be added to the price. the actual costs arising from opening the deposit box
Price list applies to Private Banking and Personal Wealth Management customer and services excluded to this price list are subject to banks standard price list.

Portfolio Management Agreement, Asset Management Agreement

Effective as of 01.01.2020
Monthly management fee

The management fee is calculated on the market price of the average asset volume for the previous calendar month and debited in the end of the following month.

VAT at the rate of 20% will be added to the price.

annual interest rate up to 1,20% of managed assets volume, min 100 €
Success fee

VAT at the rate of 20% will be added to the price.

The success fee is calculated for the previous year and debited in the 1st half of the current year.

10% of income amount of managed assets exceeding Success fee threshold agreed in the agreement

Agreement on Intermediation of Bank Services

 
Monthly agreement fee VAT at the rate of 20% will be added to the price. starting from 100 €

Private Wealth Management Customer Agreement

 
Monthly agreement fee VAT at the rate of 20% will be added to the price. starting from 100 €

Private Banking Agreement for non-resident customer of Private Wealth Management (as off 01.06.2019)

Monthly agreement fee VAT at the rate of 20% will be added to the price. starting from 100 €

Bank transfers Fees apply for payments made in Private Banking or in Private Wealth Management branch or via phone.

Outgoing payment
Intra-bank payment
In euros 4,60 €
In foreign currency 4,60 €
Domestic payment / European payment
Ordinary payment 6,40 €
Swedbank Group group payment
In euros 6,40 €
In foreign currency 6,40 €

Debit cards

 
MasterCard Private Banking Card private person
Issuing a card 2,50 €
Monthly fee of a card 1,98 €

Securities account and transactions for Portfolio Management customer Discounts enter into force in the calendar month following the month of becoming a customer of the Portfolio Management service and/or opening a (special) securities account. Discounts expire in the calendar month following the expiry of the customer status of the Portfolio Management service. In other cases standard fees apply to securities account and transactions.

Securities Account (Portfolio Management investment account) opening in branch free of charge
Monthly Securities Safekeeping Fees (Portfolio Management investment account) private person
Swedbank Group funds free of charge
Other securities  
up to 30 000 euros free of charge
from the value above 30 000 euros 0,008%, max 8 €
Monthly Securities Safekeeping Fees (Portfolio Management investment account) legal person
Swedbank Group funds free of charge
Other securities  
up to 30 000 euros free of charge
from the value above 30 000 euros VAT at the rate of 20% will be added to the price. 0,096%
Monthly Securities Safekeeping Fees (excluded for Portfolio Management investment account) private person
Swedish securities free of charge
Empty securities account free of charge
Trading (equities and Exchange Traded Fund shares) private person
Swedish securities transaction on OMX Stockholm stock exchange via securities account (excluded for Portfolio Management investment account) Trading fee is debited in trading currency. Discounts shall not be applicable if the transaction order is mediated by the Bank’s broker (incl. by phone), which requires entry into a Financial Services Framework Contract. 0,10% form trade amount, min 6,50 €

 

Effective as of 26.11.2020
Cash
Depositing

In branches:

  • will be immediately transferred to the depositor’s account;
  • will be transferred to recipient’s (if other than depositor) account within 1 hour.

In ATMs: will be immediately transferred to the depositor’s account.

Withdrawal Payment of the reserved amounts of the euro shall be made on the following 2 banking days after the submission of the reservation application is filed if the reservation application is filed for bank on the banking day before 2:00 PM.
Opening a current account
The decision of current account opening

The decision on whether a current account is opened is made within 10 banking days of receiving necessary documents:

Applicable in the case of private persons who are not citizens of the Republic of Estonia or do not hold an Estonian residence permit (a long-term resident’s residence permit or a temporary residence permit for at least one year).

The decision on whether a current account is opened is made within 10 banking days of receiving the corresponding document handling fee:

Applicable in the case of private persons who are not residents of the European Economic Area countries.

Bank transfers

 
Incoming payment
Payments in euros are transferred to the beneficiary's account on the settlement day of receipt of the money if beneficiary's details are correct. Payments in foreign currencies are transferred to the beneficiary's account on the value date before 20:00. Settlement day – a day on which the payer´s bank, the beneficiary´s bank, the intermediary or another payment service provider is open for settlement necessary for the execution of a payment transaction. Settlement days are generally all calendar days except Saturday, Sunday or public or national holidays.
Outgoing payment
Payments submitted before 22:00 are debited from remitter`s account on the same day, payments submitted after 22:00 are debited on the next day (excluding domestic and instant payment).
Outgoing payment Currency Payments are sent to the beneficiaries/correspondent bank Settlement day – a day on which the payer´s bank, the beneficiary´s bank, the intermediary or another payment service provider is open for settlement necessary for the execution of a payment transaction. Settlement days are generally all calendar days except Saturday, Sunday or public or national holidays. Payment order submitted Notes
Intra-bank payment all currencies without delay at all times  
Instant payment EUR without delay at all times, not available in branches and consultation center if beneficiary's bank has joined the instant payment scheme
Domestic payment (incl. urgent payment) EUR on the same settlement day (T+0) before 4.30 pm. NB! In branches and consultation center before 4.00 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
European payment, European urgent payment Terms and conditions of a European payment:
  • the payment currency is the euro;
  • the correct IBAN is indicated in the payment;
  • the service fee type is ‘shared’;
  • the beneficiary’s bank (remitter`s bank when incoming payment) is located in a Member State of the European Union (or Norway, Iceland, Liechtenstein, Switzerland, Aland Islands, Azores, Ceuta and Melilla, Gibraltar, Guadeloupe, Canary Islands, Madeira, Martinique, French Guinea, Reunion, Monaco, San Marino, Vatican, Andorra).

International payment fee is applied when the beneficiary’s IBAN is not indicated in the payment.

EUR on the same settlement day (T+0) domestic payment before 4.30 pm, international payment before 4.00 pm. NB! In brach or consultation centre before 4.00 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
Payment within Swedbank Group EUR on the same settlement day (T+0) before 5.30 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
Payment within Swedbank Group SEK, USD on the same settlement day (T+0) before 4.00 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
Payment within Swedbank Group NOK, DKK on the same settlement day (T+0) before 3.00 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
To Latvia, Lithuania other currencies on the same settlement day (T+0) before 3.00 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
To Sweden, Finland, Denmark, Norway other currencies in two settlement days (T+2) at all times Payments made later are sent on the following settlement day, excluding weekends and public holidays
International payments
Ordinary payment all currencies in two settlement days (T+2) at all times Payments made later are sent on the following settlement day, excluding weekends and public holidays
Urgent payment EUR, USD on the next settlement day (T+1) before 3.00 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
Urgent payment other currencies on the next settlement day (T+1) before 2.00 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
Express payment EUR, USD on the same settlement day (T+0) before 2.00 pm Payments made later are sent on the following settlement day, excluding weekends and public holidays
Statements
One-time statements from a branch

One-time statements are issued on the same banking day if the number of printed pages is below 20.

Statements longer than 20 pages are issued within 3 banking days.

Securities transactions
Securities transactions

Transaction value date

  • stock exchange transaction: T+2 or according to market practice T is the transaction date, i.e. the date of agreement / conclusion of the transaction.
  • extra-stock exchange transaction without or against payment: upon agreement between the parties to the transaction from T+0 to T+n according to the stock market practice. T is the transaction date, i.e. the date of agreement / conclusion of the transaction.

Fund units transaction value date – according to fund conditions.

Transaction realization entries are made:

  • in case of securities registered in the Estonian securities register (Nasdaq CSD SE Estonian branch) transaction value date from 8:15 a.m. until 7:15 p.m. if the securities register gives affirmation;
  • in case of Estonian fund transactions according to fund conditions;
  • vin case of foreign securities and foreign fund when affirmation is given by sub-custodian
Certificates
Issuing a certificate within 10 banking days

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Swedbank