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Opening accounts

Effective as of 21.12.2020
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.

The fee for handling documents submitted to open an account does not apply to a person who has an Estonian or other European Union Member State's residence permit, or a Norwegian, Icelandic, Liechtenstein, United Kingdom or Swiss residence permit, issued for an indefinite period or for at least 12 months.

For residents of Estonia and EU member states (including Norway, Iceland, Liechtenstein, United Kingdom, Switzerland) free of charge
For residents of other countries 200 €

Closing accounts

Effective as of 01.07.2022
Closing an account of a private person at the initiative of the bank
Closing an account and terminating other agreements in compliance with requirements arising from legislation Fulfilment of obligations arising from the Money Laundering and Terrorist Financing Prevention Act and other legislation. up to 80 € The fee only applies to the balance remaining on the account on the day the account is closed. The fee is client-specific.
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 01.07.2022
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.

10 €
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 01.07.2022
Fee
Monthly fee for Payments Plan The plan is available to clients from the age of 26, with domestic payments free of charge for younger clients. 1,5 €
Setting up, terminating free of charge
Unlimited number of payments

Unlimited number of payments initiated via the Internet Bank and/or Swedbank mobile app:

  • Intrabank payment
  • Domestic payment (including instant payment) in euros
  • Intrabank and domestic payment (including instant payment) in euros
  • European payment
  • Swedbank intragroup payment in any currency
  • Domestic standing order in euros
  • Fulfilling e-invoice standing order
  • Bank link payment

The plan does not include urgent payments and payments not made in euros (except for intrabank payment and Swedbank intragroup payment).

free of charge
Debit Card monthly fee free of charge
Choose the Payments Plan and You will get intrabank, domestic (in euros), Swedbank Group or European payments in electronical channel free of charge.
 
Effective as of 06.12.2022 Effective as of 01.11.2023
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 5 €
Intra-bank payment in foreign currency 2 € 5 €
Intra-bank payment between client`s accounts free of charge 5 €
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 of the payment and the remitter’s bank are located in a country of the European Union and/or the European Economic Area (plus Andorra, Gibraltar, Mayotte, Monaco, Switzerland, San Marino, Saint-Martin, Saint-Barthelemy, Saint-Pierre and Miquelon, the Vatican City, and the United Kingdom (including Guernsey, the Isle of Man, Jersey).
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.) 5 €
Domestic urgent payment and European urgent payment National or European urgent payments entered before 16.30 on a business day will be transferred in real time via the pan-European TARGET system. A payment order made at any other time will be forwarded to the bank of the beneficiary of the payment on the next business day.
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.) 5 €
Within Swedbank Group in foreign currency 2 € 5 €
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 Urgent payments can be made in the following currencies: AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, PLN, RON, RUB, SEK, SGD, TRY, USD, ZAR.
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) free of charge
International payment
Charges are shared 6 €
Charges paid by remitter free of charge
Other payment services Digital channels ATMs only perform intra-bank and domestic payments in euros. 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 outgoing payment price in digital channel (discounts related with customer programmes do not apply, 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 outgoing payment price in digital channel according to outgoing payment price in branch and consultation center
Execution of an E-invoice standing order free of charge  
Other payment related services Fee
Cancellation, correction, and retrieval of intrabank, domestic, and instant payment The bank will not return the service fee if the payment transaction cannot be cancelled/corrected/retrieved.
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, correction, and retrieval of foreign, Swedbank intragroup, and cross-border European payment The bank will not return the service fee if the payment transaction cannot be cancelled/corrected/retrieved.
Payment order not sent out of the bank or 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. 20 € + costs of foreign banks
Add inquiries about a foreign payment from a foreign bank foreign bank charges
Copy of the SWIFT/SEPA message
One-time order 10 €/pcs
From digital channels free of charge

 

Effective as of 01.07.2022
Cash deposit and withdrawal into/from one’s own account at a branch (excl. coins) 0,50%, min 10 €
Cash deposit directly into a Swedbank Group company account at a branch (only for Swedbank clients) Payment can be made to the account of Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, and Swedbank Life Insurance. In the case of coins, the cash deposit service fee for adding coins to the account will be added. 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 accountIn 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. 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 10 000 € (banknotes). 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. free of charge
Fee for cancelling a reservation 50 €

Debit cards

Effective as of 25.04.2024
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 The debit card fee is not applicable to the customers who as of 01.08.2011 were at least 60 years old and had Maestro debit card.
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 5 €
ISIC Mastercard Student card
Issuing a card 6,33 €
Replacement a card 6,33 €
Monthly fee 0,32 €
Renewal a card 6,33 €
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
Ordering an express card You can order an express card by calling 6 310 310 or at our branch. The card can be delivered by courier to your contact address or to the branch. Ordering a new card and replacing an existing card: If the card is ordered before 12 o'clock on a business day, it will arrive on the next business day. If the card is ordered after 12 o'clock on a business day, it will arrive on the following business day. 30 €

Credit cards

Effective as of 25.04.2024
Revolving credit card

When paying for goods or services with the private person’s Revolving credit card, the bank shall not calculate interest as from making the transaction with the respective card until the last day (incl.) of the same 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 1,59 € (free of charge for people up to 25 years of age)
Monthly fee of an additional card 1,59 €
Annual interest rate 19-22%
Penalty ECB interest rate + 8% a year (currently 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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 Fixed payment credit cards are not issued from 21.04.2022.
Annual interest rate 19-22%
Penalty ECB interest rate + 8% a year (currently 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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 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 5,99 €
Monthly fee of an additional card 3,99 €
Annual interest rate 17-20%
Penalty ECB interest rate + 8% a year (currently 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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 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.

Annual interest rate 14-17%
Penalty ECB interest rate + 8% a year (currently 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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.
Credit card opening fee free of charge
Replacement of a credit card 7 €
Renewal of credit card (incl. additional cards) free of charge
Ordering an express card You can order an express card by calling 6 310 310 or at our branch. The card can be delivered by courier to your contact address or to the branch. Ordering a new card and replacing an existing card: If the card is ordered before 12 o'clock on a business day, it will arrive on the next business day. If the card is ordered after 12 o'clock on a business day, it will arrive on the following business day. A prerequisite for ordering a new credit card as an express card is the presence of a positive credit decision. 30 €

Card transactions

Effective as of 01.11.2023
Depositing euros using a bank card in Swedbank terminal in Estonia You can deposit up to 5000 € per month in ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards.
Up to 5000 € per calendar month free of charge
Cash withdrawal with debit cards issued by Swedbank from Swedbank Group ATMs in (including in Estonia, Latvia, Lithuania, Sweden) You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards. The fee will be charged on the amount withdrawn in excess of 2000 € in a calendar month.
Up to 2000 € per calendar month free of charge
Over 2000 € per calendar month 0,3% of the amount exceeding 2000 €
Cash withdrawal with a debit card from other bank’s terminals in Estonia and abroad

You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards.

The service fee according to the operator’s price list may be added for the use of another operator’s ATM.

2 € + 2,5% of the amount
Cash withdrawal with credit cards (except for the revolving Gold credit card and Platinum credit card

You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards.

The service fee according to the operator’s price list may be added for the use of another operator’s ATM. 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.

2 € + 2,5% of the amount
Cash withdrawal with revolving Gold credit card

You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards.

The service fee according to the operator’s price list may be added for the use of another operator’s ATM.

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 500 € per calendar month free of charge
Over 500 € per calendar month 2.5% of the amount exceeding 500 €
Cash withdrawal with Platinum credit card

You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards.

The service fee according to the operator’s price list may be added for the use of another operator’s ATM. 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 €
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
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.
With all cards (except Platinum credit card) 1% of transaction amount
With Platinum credit card no currency exchange surcharge
Sending a card from one branch to another 2,50 €
Penalty for using a closed card 65 €
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 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 01.09.2023
Housing loan and Home equity loan
Agreement fee 1% of the loan amount, no less than 190 €
(no less than 400 € when financing construction)
KredEx collateral fee 3 % of the surety amount
Amendment of the agreement 190 €
excl. loan principal repayment holiday 95 €
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
Interest rate revision 0,5% of the loan balance, no less than 190 €
Additional loan amount 1% of the loan amount, no less than 190 €
Early repayment fee (including partial repayment)
in a branch

Euro interest loans concluded before 2022
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.

Euro interest loans concluded since July 2022
The early repayment fee is 1% of the loan amount to be repaid if the period between the early repayment and the fixation period repayment date is longer than one year and 0.5% if the period does not exceed one year. More detailed conditions for determining the fee are provided in the loan agreement.

the amount of 3 months' interest (not applied in case of 3 months' advance notice)
in digital channels (not fixed interest rate loans) the amount of 1 month interest
Fee for processing arrears 3,20 €
Penalty ECB interest rate + 8% a year (currently 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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 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) free of charge
Preparation of a special schedule 16 €
Penalty ECB interest rate + 8% a year (currently 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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
Early repayment fee (including partial repayment) free of charge
Credit line
Commitment fee 1,2% of the unused credit limit (annual rate)
Automatic credit limit extension fee free of charge
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 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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 starting from 9,90%
Agreement fee 1,5% of the loan amount, no less than 15 €
Formalization of an additional amount 1,5% of the additional amount, no less than 15 €
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 15 €
Repayment of the loan (including partial repayment) free of charge
Penalty ECB interest rate + 8% a year (currently 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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 starting from 7,90%
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 starting from 7,90%
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 01.11.2023
Agreement fee 1% 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.

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% a year (currently 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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.
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 Estonian Transport Administration e-service transaction 5 €
Notarized power of attorney of the vehicle (e.g. using the vehicle) starting from 75 €
Preparation of a certificate 10 €
Sending a notice on breach, 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 €
Property valuation service (incl. passenger cars, motorcycles, ATVs) 80 €
Provision of valuation services on site agreed fee
Truck, trailer, heavy machinery (incl. excavators, caravan cars, tractors, loaders, hoists, combine harvesters, couplings, forestry machinery), watercraft and equipment valuation service agreed fee
  • 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 01.11.2023
Securities Account
Internet bank free of charge
Branch office free of charge
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 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, Spain and Hungary), 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, Italy, Portugal, Spain, Switzerland, Austria, Poland, Hungary, Czech 0,14%, min 9,90 €
Shares and ETF-s Branch office Via brokerage
Estonia, Latvia, 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
Bulgaria 0,6%, min 50 € 0,6%, min 150 BGN
Bonds Internet bank Via brokerage
Estonia, Latvia, 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 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, Russia 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 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 on other countries is subject to prior agreement with the Bank.
  • Other investments: Austria, Belgium, Canada, Denmark, Finland, France, Germany, Ireland, Italy, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, UK, USA, Depositary Receipts, Poland, Czech, Hungary, Bulgaria, Russia, foreign funds

 
Swedbank Group funds free of charge
Estonia, Latvia, Lithuania free of charge
Other investments, equities, bonds
Up to 100 000 € free of charge
From the value above 100 000 € 0,008%, max 8 €
Safekeeping of Depositary Receipts (ADR, GDR) is subject to the respective DR Agent’s fees in addition to safekeeping fee.

Other Services
  • Fees for other services are subject 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. Actual cost amount depends on the costs of service on each specific market.
  • Tax reclaim fee will be debited as soon as the tax reclaim application is submitted by the client. The fee will be debited from clients cash Account which is linked to securities account. The fee will not be refunded in case the application is denied by third parties.

Mandatory corporate actions free of charge
Participation through the bank / representing a client at a general meeting 120 € + actual costs
Processing of electronic voting instructions at general meeting 50 € + actual costs
Other corporate action subject to prior agreement
Tax reclaim 60 € + actual costs
Tax relief at source free of charge

Second pillar pension

Effective as of 22.02.2022 Effective as of 01.01.2024
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 €
The contribution rate change
Application for changing contribution rate free of charge
Pension Investment Account (PIA) Transactions made from a securities account forming part of a PIA are subject to the bank's securities account and transactions price list.
Opening of PIA and registration in Pension Centre free of charge
PIA selection application free of charge
PIA switching application free of charge
Application to close PIA free of charge
Monthly fee for securities account forming part of PIA free of charge
Payments
One-off payment (for persons of retirement age) 3 €
Fund pension (for persons of retirement age) 5 €
Application for cancelling one-off withdrawal free of charge
Application for terminating funded pension free of charge
Withdrawal application 10 €
Application for cancelling withdrawal free of charge
Suspending/continuing contributions
Application for suspending contributions 5 €
Application for continuing contributions 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

 
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 €
Fund pension (for persons of retirement age) 5 €
Application for terminating funded pension free of charge
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 VAT will be added to the price. 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 26.10.2023
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 01.07.2022
PIN calculator
Issuing a calculator for a private person over 65 years of age (incl.) 10 €
Issuing a calculator for a private person up to 65 years of age 18 €
Unlocking a PIN calculator free of charge
Smart ID
Issuing the first Smart ID at a branch free of charge
Renewing Smart ID at a branch 10 €; free of charge for under 18-year-olds

Certificates, documents

Effective as of 01.07.2022 Effective as of 01.01.2024
Simple certificate 8 €, when issuing from a branch 10 €
Urgent certificate issued on the same banking day (if the certificate is ordered on the same banking day before 1:00 PM 15 €
Certificates for audit firms 20 €/piece
In the case of groups 20 € per member
Proof of the inquiry made by the tax authority, police, notary, court free of charge
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. 9 €
Certificates of credit products
Certificate of existence, conditions, fulfilment, amendments, etc., of a credit product (per credit agreement in Estonian or in English) 8 €
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) 8 €
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. 5 €
By post, abroad The price is inclusive of VAT. 10 €
By DHL The price is inclusive of VAT. 15 € + the cost from service provider, debited later on the basis of an invoice 14,99 € + the cost from service provider, debited later on the basis of an invoice
Other
ID card reader VAT will be added to the price. 5 €
Price list applies to Private Banking and Private Wealth Management customer and services excluded to this price list are subject to banks standard price list.

Private Banking customer monthly fee

Effective as of 09.05.2024
Private banking agreement free of charge
Private banking agreement for non-resident customer of Private Wealth Management

VAT will be added to the price.

starting from 100 €
Private wealth management customer agreement

VAT will be added to the price.

starting from 100 €

Portfolio management service

Portfolio management agreement, Asset management agreement
Monthly agreement fee

VAT will be added to the price.

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.

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

VAT 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

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

Outgoing payment
Intra-bank payment
In euros 5 €
In foreign currency 5 €
Domestic payment / European payment
Ordinary payment 5 €
Swedbank Group group payment
In euros 5 €
In foreign currency 5 €

Bank cards

 
Mastercard Private Banking Card private person
Issuing a card 2,50 €
Monthly fee of a card 1,98 €
Ordering an express card You can order an express card by calling 6 132 200 or at our branch. The card can be delivered by courier to your contact address or to the branch. Ordering a new card and replacing an existing card: If the card is ordered before 12 o'clock on a business day, it will arrive on the next business day. If the card is ordered after 12 o'clock on a business day, it will arrive on the following business day. 30 €

Bank card transactions

Depositing euros using a bank card in Swedbankterminal in Estonia You can deposit up to 7500 € per month in ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards. The fee will be charged on the amount paid in excess of 5000 € in a calendar month.
Up to 5000 € percalendar month free of charge
Over 5000 € per calendar month 0.3% of the amount exceeding 5000 €
Cash withdrawal with debit cards issued by Swedbank from Swedbank Group ATMs (including in Estonia, Latvia, Lithuania, Sweden) You can withdraw up to 15000 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards. The fee will be charged on the amount withdrawn in excess of 2000 € in a calendar month.
Up to 2000 € per calendar month free of charge
Over 2000 € per calendar month 0.3% of the amount exceeding 2000 €
Cash withdrawal with debit card from other bank’s terminals in Estonia and abroad

You can withdraw up to 15000 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards.

The fee according to the operator’s price list may be added for the use of another operator’s ATM.

2 € + 2.5% of the amount
Cash withdrawal with credit cards (except for the revolving Gold credit card and Platinum credit card (Mastercard))

You can withdraw up to 15000 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards.

The fee according to the operator’s price list may be added for the use of another operator’s ATM.

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.

2 € + 2.5% of the amount
Cash withdrawal with Platinum credit card (Mastercard)

You can withdraw up to 15000 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards.

The fee according to the operator’s price list may be added for the use of another operator’s ATM.

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 €
Cash withdrawal with revolving Gold credit card

You can withdraw up to 15000 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards.

The fee according to the operator’s price list may be added for the use of another operator’s ATM.

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 500 € per calendar month free of charge
Over 500 € per calendar month 2.5% of the amount exceeding 500 €

Securities account and transactions for Portfolio Management customer

Monthly Securities Safekeeping Fees (excluded for Portfolio Management securities account) Private person
Swedish securities 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 securities 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 01.11.2021 Effective as of 01.11.2023
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.

In branches and 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 8:00 pm.
Outgoing payment
Payments submitted before 10:00 pm are debited from remitter`s account on the same day, payments submitted after 10:00 pm are debited on the next day (excluding domestic and instant payment).
Outgoing payment Currency Payments are sent to the beneficiaries/correspondent bank 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, European payment, domestic urgent payment, and European urgent payment EUR on the same settlement day (T + 0) before 16.30 applies to domestic payments and before 16.00 applies to international payments NB! In brach or consultation centre before 4:00 pm Interbank settlement of domestic payments and European payments takes place five times a day, excluding weekends and public holidays. Urgent payment takes place in real time via settlement system Target 2, excluding weekends and public holidays. 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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