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Become a customer

For new companies

Why choose Swedbank?

  • Debit card with no monthly fees for a year.
  • Intra-bank, domestic and European payments via electronic channels free of charge for one year.
  • The payment terminal -50% from the price list price for 6 months.
  • Opening a securities account - free of charge.
  • E-commerce solutions – no activation or monthly fee.
Open new account

Payments Plan for Business

From the second year, it is useful join with Payments Plan. For €2 per month you can:

  • make 20 payments in euros in the mobile app or Internet Bank;
  • have the Business Debit Card without monthly fee.

Read more

On the lookout for new customers?

Our business customers get to publish special product and service offers to a large group of Swedbank’s private customers. You make the offer, we take care of marketing and communication!

Find out how to join

Our partner offers for your company

We want to contribute to the success of your business in every way. If you are planning to launch an online store, need reliable parcel delivery, or want to manage contracts conveniently in a digital environment, use the special offers from our partners.

Read more

Business Plan tool

Our Business Plan tool helps you to focus on your ideas and thoughts on a structural manner by helping you to formulate a clear plan for starting and developing a business. Available only in Estonian language.

Read more

  1. Log in as a private customer and fill in the application.
  2. Get a reply from the bank within one hour by phone*.
  3. To sign the agreement, log in to the Business Internet Bank and select Everyday banking > Open a new business account.

Important! The agreement can be digitally signed only by a company representative using Smart-ID, Mobile-ID or ID card.

*If application is submitted on working days between 9:00 and 17:00. If your application comes in later, we will contact you on the next working day.

If you are not our private customer

To conveniently open an account, first open a current account as a private customer or book an appointment at a branch.

For non-residents

  • If a legal or natural person in the ownership structure of the company is a non-resident, we recommend booking an appointment to open an account at the Liivalaia branch in Tallinn.
  • Make sure you have prepared the necessary documents to open an account.
  • We will make a decision on the application within 10 business days of receiving the enhanced due diligence fee.

Customer can start using:

  • a current account;
  • Business Internet Bank;
  • SWIFT services.

Requirements:

  • The company must have been active in conducting settlements at Swedbank for the last six months.
  • The company has to have a connection with the country where the account is requested to be opened. The opening of an account has to be justified and necessary for the business activities of the company.
  • The documents necessary for account opening have to be in English.

The time it takes to open an account will depend on the chosen bank.

The requested information contains personal data and we will process such personal data in accordance with Bank’s Principles of Processing Client Data.

The start-up account is necessary for newly founded companies for depositing the share capital. The start-up account can be opened electronically through the Company Registration Portal. As soon as the company is registered in the e-Business Register, you can convert the start-up account into a current account remotely or at a branch and start using it.

For the sole representative it is possible to open an additional current account remotely in the Internet Bank. In all other cases, please book an appointment.

Open an additional account

Group account is simple and effective management of funds. Group account is a book account where the assets consist of the balances and reservations on the current account of group members and the overdraft of the group.

Find out more

Open an account in Swedbank Group countries without leaving your home country. The service is intended for customers who wish to open a foreign account with Swedbank Group banks in Latvia, Lithuania, Sweden, Norway, Finland and/or Denmark. For further information, please contact us.

Find out more

The fee is expressed as a percentage per year (360 days) and is equal to the interest rate published by the central bank of the relevant currency. Interest is calculated daily on the end-of-day balance that exceeds the limit and is rounded to two decimal places. The fee is calculated on the basis of the aggregate balance of all the client’s current accounts in a given currency (excluding accounts belonging to the group). The calculated fee is debited from the client’s account once a month, on the 15th day of the month following the month of invoicing, at the latest. The fee does not apply if the interest published by the central bank is zero or positive.

Example: If the total end-of-day balance on the current accounts is EUR 2,000,000 and the interest rate of the European Central Bank is -0.5%, then the account balance fee for that day is 2,000,000 - 1,000,000 = 1,000,000 * 0.5%/360 = EUR 13.89.

The fee is expressed as a percentage per year (360 days) and is equal to the interest rate published by the central bank of the relevant currency. Interest is calculated daily on the end-of-day balance of the group account that exceeds the limit and is rounded to two decimal places. The calculated fee is debited from the client’s account once a month, on the 15th day of the month following the month of invoicing, at the latest. The fee does not apply if the interest published by the central bank is zero or positive.

Example: If the total end-of-day balance on the group account is EUR 2,000,000 and the interest rate of the European Central Bank is -0.5%, then the account balance fee for that day is 2,000,000 - 1,000,000 = 1,000,000 * 0.5%/360 = EUR 13.89.

Opening accounts

Effective as of 09.03.2023
Opening an account free of charge
Fee for enhanced due diligence measures The fee will be paid before bank makes an account opening decision. The fee is not returned if the bank decides not to open the account. The fee will not be applied for each consecutive account opening.
Estonian legal persons with non-residents included as representatives or in the ownership structure 300 €
Legal persons from European Economic Area 300 €
Legal persons from other states 500 €
Legal persons whose field of activity includes: Provider of payment services, payment institution or E-money institution; producing/sales/purchase of weaponry or ammunition (excl. hunting associations, shooting ranges, sports clubs); gambling; currency exchange; production of military vehicles; transportation of cash; co-financing platforms; offering fast credit; mining; production/purchase/sale/brokering of strategic goods. 500 €
Opening an account in banks of Swedbank Group
Opening an account in banks of Swedbank Group via Swedbank Estonia 200 € + courier service fee According to courier service provider.
Entry into additional contracts, amendments and specimen signature cards in a bank in the Swedbank Group via Swedbank Estonia For a customer of Swedbank Estonia whose account is with a Swedbank Group and for a customer of a Swedbank Group whose account is with Swedbank Estonia. 15€+ courier service fee According to courier service provider.
Sending identification tools and cards to banks in the Swedbank Group via Swedbank Estonia For a customer of Swedbank Estonia whose account is with a Swedbank Group and for a customer of a Swedbank Group whose account is with Swedbank Estonia. 15€ + courier service fee According to courier service provider.
Opening a start-up account free of charge
Deposits free of charge

Closing accounts

Effective as of 01.07.2022
Closing an account of a legal 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 130 € The fee only applies to the balance remaining on the account on the day the account is closed. The fee does not apply to clients who have been assigned a monthly service fee. The fee is client-specific.

Account information and handling

Effective as of 15.06.2023
Account statement from internet-bank free of charge
Account statement from a branch Fee for the transmission of bank documents is added. 10 €
Monthly fee of Baltic Reports in internet-bank for business clients Baltic Reports means a daily consolidated report of the balance of funds on current and group accounts and in the overnight deposit opened in Swedbank (Estonia, Latvia, Lithuania) of a company or companies belonging to the same group. 13 €
Monthly fee of Baltic Reports for the customers of the group account module in internet-bank for business clients 6,40 €
Current account default interest rate 0.2% a day
Monthly fee for servicing a client

Fee for a legal person for whom regular enhanced due diligence measures are required due to geographical location, complicated ownership structure and/or field of activity. Applying the fee will be announced 30 days in advance. Fee is applied for legal persons:

  • who are registered in Cyprus, Liechtenstein or outside the European Economic Area
  • whose owners or beneficial owners include at least one person, who’s personal identification document has been issued in Cyprus, Liechtenstein or outside the European Economic Area and who is not a resident of Estonia; Person who does not have a passport or ID card or other identification document issued by the Republic of Estonia.
  • whose structure includes at least one company that is registered in Cyprus, Liechtenstein or outside the European Economic Area;
  • whose field of activity includes producing/sales/purchase of weaponry or ammunition (excl. hunting associations, shooting ranges, sports clubs); gambling; currency exchange; production of military vehicles; transportation of cash; co-financing platforms; offering fast credit; mining; production/purchase/sale/brokering of strategic goods.
50 €
View full pricelist

Check out the different options for financing investments and working capital.

A wide range of card payment terminals for every point of sale – we’ll help you find the right one.

Get a personal consultation for your company with our experts at a time convenient for you.

E-commerce is here to stay. We offer convenient solutions for setting up online payments.

Useful links

We are here for you

Business Client Consultation Centre

Book an appointment at branch

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Soovitame kasutada Internet Exploreri asemel Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i uusimat versiooni. Nende seadistamise juhendid leiad siit.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Klienditugi - Инфо и помощь - Customer service: +372 6 310 310

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