If you do not live in Estonia, very important pre-condition for opening an account is the connection with Estonia (in case you don’t have Estonian Identity card or passport). Reason and purpose of opening the account has to be clear and sufficiently explained.
Connection to Estonia is:
studying or working in Estonia;
owning real estate in Estonia;
close relatives in Estonia (spouse, partner, children, parents).
We kindly ask you to take the original document with you when you come to apply for the account (e.g. employment contract, school certificate, marriage certificate).
We accept the following identification documents:
passport of the Republic of Estonia;
identity card of the Republic of Estonia;
residence permit of the Republic of Estonia;
alien’s passport of the Republic of Estonia;
diplomatic passport or identity card of the Republic of Estonia;
a passport of a foreign country;
identity card of a citizen of an EU Member State;
a seafarer's discharge book;
certificate of record of service on Estonian ships.
Let's make money matters easy!
Choose the Payments Essential Plan for €1 per month and you’ll get free payments in our Internet Bank and app
and one debit card without a monthly fee.*
Want to log in? Use your fingerprint or face.
Want to pay more easily? Use a phone, a watch, or even a keychain.
Want to know where you've spent your money? Check My Budget.
Want to save money? Use our Easy Saver.
Open an account
*Special age-based pricing. Read more
Account is free
The first card is free
Free Payments Plan
Open an account in 3 steps
Sign in and enter your details
Have your Smart-ID, Mobile-ID or ID card ready. Click “Start” and sign in. Choose whether you’re opening an account for yourself or for a child, then fill in the form.
Start
Next: a short video call
After submitting your details, we’ll guide you to a video call with an advisor to verify your identity.
You can make the call on weekdays at a time that suits you, from 8:45 to 16:45.
No call is needed to open an account for a child.
We open your account
We’ll review your details within up to 2 business days. Once the account is open, you’ll receive an SMS and an email.
You can start using your new account!
Are you 18–25? We have a surprise for you!
To open an account and get the surprise, you have two options
Open an account by verifying your identity via a video call. After the call, you’ll find out what the surprise is.
Visit a branch to open an account. The surprise will be waiting for you there.
Open an account
Visit a branch
To open an account or gain access to the internet bank, you must be at least 18 years old and follow the steps below.
You will need:
valid passport or Identity card of the Republic of
Estonia. NB! Only a Residence permit is not enough ;
Smart-ID, Mobile-ID, ID card with a reader;
computer, tablet or mobile phone with a camera and microphone;
web browser Google Chrome.
How does it work?
Fill in the questionnaire.
Have a video call with our employee (M–F 8:45-16:45).
Follow the instructions.
Start now
An overview of the banking services concerning children can be found on the Parents Page .
You can open an account for a child in internet:
as soon as child is born;
if you are a Swedbank customer.
You will need:
personal identification document (a passport or an ID card) if your child is older than 7 years old;
Smart-ID, Mobile-ID, ID card with a reader.
How does it work?
Fill in the application.
Sign the necessary documents in the Internet bank.
We will open the account as soon as possible after that.
You will receive an e-mail after your child's account is opened.
Start now
Open an account in a branch, if you are:
How does it work?
Book a consultation.
Come to the branch and have your documents with you.
If you do not have a residence permit issued for an indefinite period or for at least 12 months in Estonia, another EU
state, Norway, Iceland, Liechtenstein, Great Britain or Switzerland, you need to pay a fee of 200€ in cash
for handling documents submitted to open an account.
Book an appointment in one of our branches which handles cash.
Book a time
You can open an account for your child as soon as they are born.
Bank cards are issued to children who are at least 6 years old.
The Internet Bank and Mobile Bank agreements can be entered into for children who are at least 6 years old.
If your child is older than 7, you need a personal identification document (a passport or an ID card).
Until the age of 18, the parent can see operations in the child’s account.
If your child does not have a residence permit issued for an indefinite period or for at least 12 months in Estonia,
another EU state, Norway, Iceland, Liechtenstein, Great Britain or Switzerland, you need to pay a fee of 200€ in
cash for handling documents submitted to open an account for your child.
Book an appointment in one of our
branches which handles cash.
Book a time
For the full price list, click here.
All the terms and conditions are available here.
Fees of main services are available here.
With the securities account, you have the opportunity to buy and sell securities. You can invest in both Estonian and global securities markets.
Open securities account
If you are planning to start your own business, open a business account at Swedbank to harness our wide product range and cutting edge digital solutions for business development. You can open business account conveniently in Internet Bank.
Open new business account
You can transfer your current account and related payments from your current bank to Swedbank. The change of accounts is free of charge. To change your bank, please visit any Swedbank branch and take your identification document with you. We will arrange all the necessary operations for the transfer with your existing bank.
More information on the transfer of settlement services is available on the web page of the Estonian Banking Association at www.pangaliit.ee . You can address the banks offering the transfer service with any questions you might have.
For youth
You are eligible to youth discounts until you turn 26. With Essential Plan, your bank card and payments are free of charge.
Read more
For Gold customers
We value your time. As a Gold Customer, we provide you with priority treatment and you are advised by our best experts. You will also receive special offers for our products and services.
Read more
For seniors
We highly value your life experience. We do our best to make every client feel comfortable with us and to be able to manage their daily finances safely, easily, and conveniently. You can always get advice and support from us when using digital services. We provide our clients from the age of 65 with a number of discounts and special offers.
Read more
Private Banking
Our wealthier clients are advised by our long-experienced experts, who provide assistance with daily financial matters, investments, and funding issues, as well as the topics of succession.
Read more
Are you connected to a Private customer?
To become Private customer‘s additional Internet bank user, you need to confirm your identity first. It can be done
remotely here .
To become Private customer‘s supplementary card holder, you need to confirm your identity first. It can be done
remotely here .
Are you connected to a Corporate customer?
To open a business account in the Internet Bank, you first need to confirm your identity. It can be done remotely here .
To become Corporate customer‘s additional Internet bank user, you need to confirm your identity. It can be done
remotely here .
To become Corporate customer‘s supplementary card holder, you need to confirm your identity first. It can be done
remotely here .
To be identified remotely, you must be at least 18 years old and follow the steps below.
You will need:
a valid passport or Identity card of the Republic of
Estonia. NB! Only a Residence permit is not enough ;
Smart-ID, Mobile-ID, ID card with a reader;
a computer, tablet or mobile phone with a camera and microphone;
a separate room where you can be alone and participate in a video call safely and undisturbed.
How does it work?
Fill in the application.
Have a video call with our employee (M–F 8:45-16:45).
Follow the instructions.
Account for child Child’s money is kept safety on the card
Find out more
Mobile app Created to be your favorite
Find out more
Bussiness account We are here to help your business succeed
Find out more
Open an account in just a few clicks
Estonia’s largest bank with the widest range of services is waiting for you.
Free account, first card free
With a Plan: free card and payments , Basic Plan only €1
New customers get the Basic Plan free for 6 months
Completely free for customers up to 25
Account or app access for your child
Opening an account for your child? Or does your child already have an account but no app? You’re in the right place. The account, card, payments and app are free for children.
Swedbank is the only bank where children aged 7+ can already try investing themselves.
Open an account
Welcome to Estonia’s largest bank. Wether you are a student or just moved here, we have all services that get you started.
Restore your account or access to internet banking
Had a Swedbank account before, but it’s closed or you don’t remember your user ID? Read how to restore your account.
Business account
Become our business customer! Managing your company’s finances is easy with us – your business card is free for a year and euro payments have no extra cost.
We support you every step of your business journey, and you can find useful tips for new entrepreneurs on our blog.
Open an account in 3 steps
Sign in and enter your details
Have your Smart-ID, Mobile-ID or ID card ready. Click “Start” and sign in. Choose whether you’re opening an account for yourself or for a child, then fill in the form.
Start
Next: a short video call
After submitting your details, we’ll guide you to a video call with an advisor to verify your identity.
You can make the call on weekdays at a time that suits you, from 8:45 to 16:45.
No call is needed to open an account for a child.
We open your account
We’ll review your details within up to 2 business days. Once the account is open, you’ll receive an SMS and an email.
You can start using your new account!
Are you 18–25? We have a surprise for you!
To open an account and get the surprise, you have two options
Open an account by verifying your identity via a video call. After the call, you’ll find out what the surprise is.
Visit a branch to open an account. The surprise will be waiting for you there.
Open an account
Visit a branch
To open an account or gain access to the internet bank, you must be at least 18 years old and follow the steps below.
You will need:
valid passport or Identity card of the Republic of
Estonia. NB! Only a Residence permit is not enough ;
Smart-ID, Mobile-ID, ID card with a reader;
computer, tablet or mobile phone with a camera and microphone;
web browser Google Chrome.
How does it work?
Fill in the questionnaire.
Have a video call with our employee (M–F 8:45-16:45).
Follow the instructions.
Start now
An overview of the banking services concerning children can be found on the Parents Page .
You can open an account for a child in internet:
as soon as child is born;
if you are a Swedbank customer.
You will need:
personal identification document (a passport or an ID card) if your child is older than 7 years old;
Smart-ID, Mobile-ID, ID card with a reader.
How does it work?
Fill in the application.
Sign the necessary documents in the Internet bank.
We will open the account as soon as possible after that.
You will receive an e-mail after your child's account is opened.
Start now
Open an account in a branch, if you are:
How does it work?
Book a consultation.
Come to the branch and have your documents with you.
If you do not have a residence permit issued for an indefinite period or for at least 12 months in Estonia, another EU
state, Norway, Iceland, Liechtenstein, Great Britain or Switzerland, you need to pay a fee of 200€ in cash
for handling documents submitted to open an account.
Book an appointment in one of our branches which handles cash.
Book a time
You can open an account for your child as soon as they are born.
Bank cards are issued to children who are at least 6 years old.
The Internet Bank and Mobile Bank agreements can be entered into for children who are at least 6 years old.
If your child is older than 7, you need a personal identification document (a passport or an ID card).
Until the age of 18, the parent can see operations in the child’s account.
If your child does not have a residence permit issued for an indefinite period or for at least 12 months in Estonia,
another EU state, Norway, Iceland, Liechtenstein, Great Britain or Switzerland, you need to pay a fee of 200€ in
cash for handling documents submitted to open an account for your child.
Book an appointment in one of our
branches which handles cash.
Book a time
For the full price list, click here.
All the terms and conditions are available here.
Fees of main services are available here.
You can ask us to transfer your current account and related standing payments from your current bank to us. Switching banks is free of charge – book an appointment at a Swedbank branch. We will then handle all necessary steps together with your current bank.
For more information about transferring payment services, visit the Estonian Banking Association website at www.pangaliit.ee
Are you connected to a Private customer?
To become Private customer‘s additional Internet bank user, you need to confirm your identity first. It can be done
remotely here .
To become Private customer‘s supplementary card holder, you need to confirm your identity first. It can be done
remotely here .
Are you connected to a Corporate customer?
To open a business account in the Internet Bank, you first need to confirm your identity. It can be done remotely here .
To become Corporate customer‘s additional Internet bank user, you need to confirm your identity. It can be done
remotely here .
To become Corporate customer‘s supplementary card holder, you need to confirm your identity first. It can be done
remotely here .
To be identified remotely, you must be at least 18 years old and follow the steps below.
You will need:
a valid passport or Identity card of the Republic of
Estonia. NB! Only a Residence permit is not enough ;
Smart-ID, Mobile-ID, ID card with a reader;
a computer, tablet or mobile phone with a camera and microphone;
a separate room where you can be alone and participate in a video call safely and undisturbed.
How does it work?
Fill in the application.
Have a video call with our employee (M–F 8:45-16:45).
Follow the instructions.
Open an additional account
Need an extra account? Log in, go to Everyday Banking and select “Summary statement” to find the option to open an additional account under your accounts.
Open a family account
Want to keep your family finances in a separate account and manage them together? Simply set up a family account.
Account for investing
Ready to start investing but not sure where to begin? We make getting started simple.
