Become a customer

Bank conditions

  • General Conditions
  • Principles of Processing Client Data (valid as of 01.09.2025)
  • Procedure for processing customer complaints
  • Swedbank’s Cookie Policy
  • Preliminary contract information
  • Prices and rates
  • By using www.swedbank.ee, you agree to the User terms
  • Rules and Regulations can be found at the web page electronic Riigi teataja (eRT)

Settlements

Document title Effective from Effective to Document Digitally signed document
Terms and Conditions of the Current Account Agreement 01.11.2025 Effective now PDF ASICE
Terms and Conditions of the Current Account Agreement 01.06.2018 Effective now 31.10.2025 PDF ASICE
13.02.2014 31.05.2018 PDF BDOC
01.01.2011 12.02.2014 PDF
22.05.2010 31.12.2010 PDF
17.03.2009 21.05.2010 PDF
Terms and Conditions of Standing Order Agreement 01.11.2025 Effective now PDF ASICE
Terms and Conditions of Standing Order Agreement 01.11.2024 Effective now 31.10.2025 PDF ASICE
01.11.2023 31.10.2024 PDF ASICE
22.05.2010 31.10.2023 PDF BDOC
17.03.2009 21.05.2010 PDF
Terms and Conditions for Making Payment Transactions 01.11.2025 Effective now PDF ASICE
Terms and Conditions for Making Payment Transactions 01.09.2025 Effective now 31.10.2025 PDF ASICE
01.11.2024 31.08.2025 PDF ASICE
01.11.2023 31.10.2024 PDF ASICE
01.04.2020 31.10.2023 PDF BDOC
01.06.2018 31.03.2020 PDF BDOC
18.09.2016 31.05.2018 PDF BDOC
01.02.2014 17.09.2016 PDF
01.01.2012 31.01.2014 PDF
23.05.2010 31.12.2011 PDF
Terms and conditions of e-invoice standing order agreement 01.11.2025 Effective now PDF ASICE
Terms and conditions of e-invoice standing order agreement 13.06.2013 Effective now 31.10.2025 PDF ASICE
Terms and Conditions of E-invoice Ordering 01.11.2025 Effective now PDF ASICE
Terms and Conditions of E-invoice Ordering 12.08.2021 Effective now 31.10.2025 PDF ASICE
17.09.2015 11.08.2021 PDF BDOC
Conditions of foreign payment order 02.11.2009 22.05.2010 PDF

Cards

Document title Effective from Effective to Document Digitally signed document
Conditions of debit card 01.11.2023 Effective now PDF ASICE
01.06.2018 31.10.2023 PDF BDOC
01.09.2015 31.05.2018 PDF BDOC
01.01.2011 31.08.2015 PDF
22.05.2010 31.12.2010 PDF
17.03.2009 21.05.2010 PDF
Conditions of revolving credit card 01.11.2023 Effective now PDF ASICE
01.06.2018 31.10.2023 PDF BDOC
01.10.2017 31.05.2018 PDF
01.09.2015 30.09.2017 PDF
01.01.2011 31.08.2015 PDF
22.05.2010 31.12.2010 PDF
03.12.2009 21.05.2010 PDF
Terms and conditions of the agreement on the usage of the Platinum credit card for private person 01.11.2023 Effective now PDF ASICE
24.09.2020 31.10.2023 PDF BDOC
01.06.2018 23.09.2020 PDF BDOC
01.06.2016 31.05.2018 PDF
Conditions of fixed payment credit card 01.11.2023 Effective now PDF ASICE
01.06.2018 31.10.2023 PDF BDOC
01.09.2015 31.05.2018 PDF
01.01.2011 31.08.2015 PDF
22.05.2010 31.12.2010 PDF
03.12.2009 21.05.2010 PDF
Terms and conditions of the agreement on the use of the ISIC Mastercard Student Card 01.11.2023 Effective now PDF ASICE
01.06.2018 31.10.2023 PDF BDOC
01.09.2015 31.05.2018 PDF BDOC
21.08.2013 31.08.2015 PDF

Banking channels

Document title Effective from Effective to Document Digitally signed document
Conditions of digital services 01.11.2025 PDF
Conditions of teleservices agreement 26.11.2020 Effective now PDF BDOC
29.10.2019 25.11.2020 PDF BDOC
22.11.2018 28.10.2018 PDF BDOC
13.01.2018 21.11.2018 PDF
17.09.2015 12.01.2018 PDF
01.12.2012 16.09.2015 PDF
22.05.2010 30.11.2012 PDF
17.03.2009 21.05.2010 PDF
User Terms of Websites 01.09.2025 Effective now PDF ASICE
01.10.2024 31.08.2025 PDF ASICE
20.04.2018 30.09.2024 PDF
01.12.2012 19.04.2018 PDF
01.03.2010 30.11.2012 PDF
Swedbank’s Cookie Policy 01.09.2025 Effective now PDF ASICE
07.08.2025 31.08.2025 PDF ASICE
15.06.2023 06.08.2025 PDF
23.03.2023 14.06.2023 PDF
06.10.2022 22.03.2023 PDF
29.10.2020 05.10.2022 PDF
20.04.2018 28.10.2020 PDF
Terms and Conditions of Swedbank Gateway Service 21.09.2023 Effective now PDF ASICE
26.11.2020 20.09.2023 PDF BDOC
04.04.2019 25.11.2020 PDF BDOC
01.06.2018 03.04.2019 PDF BDOC
06.04.2017 31.05.2018 PDF
19.04.2012 05.04.2017 PDF
22.05.2010 18.04.2012 PDF
Information about automatic chat and personal data processing 13.02.2025 Effective now PDF ASICE
25.04.2019 12.02.2025 PDF

Deposits

Effective from Effective to Document Digitally signed document
Depositor information sheet 12.05.2016 Effective now PDF
Conditions of term deposit 01.11.2023 Effective now PDF ASICE
22.05.2010 31.10.2023 PDF BDOC
17.03.2009 21.05.2010 PDF
Easy Saver Agreement Terms and Conditions 17.04.2025 Effective now PDF ASICE
01.11.2023 16.04.2025 PDF ASICE
07.05.2020 31.10.2023 PDF BDOC
Conditions of savings deposit 07.04.2011 31.08.2024 PDF BDOC
22.05.2010 06.04.2011 PDF
17.03.2009 21.05.2010 PDF
Terms and Conditions of Overnight Deposit Agreement (concluded from 15.06.2023) 15.06.2023 Effective now PDF ASICE
Terms and Conditions of Overnight Deposit Agreement 22.05.2010 Effective now PDF ASICE
17.03.2009 21.05.2010 PDF

Loans

Effective from Effective to Document Digitally signed document
Standard loan agreement terms and conditions *Standard loan agreement terms and conditions shall be one part of the loan agreement, the rest of conditions shall be regulated in the loan agreement concluded between the bank and the borrower. 12.05.2022 Effective now PDF documentASICE
13.06.2016 11.05.2022 PDF
21.03.2016 12.06.2016 PDF
01.10.2015 20.03.2016 PDF
01.05.2013 30.09.2015 PDF
01.07.2011 30.04.2013 PDF
06.09.2010 30.06.2011 PDF
01.01.2010 05.09.2010 PDF
17.03.2009 31.12.2009 PDF
17.11.2008 16.03.2009 PDF
15.01.2007 16.11.2008 PDF
Conditions of small loan 01.09.2025 Effective now PDF ASICE
Conditions of small loan 31.10.2016 31.08.2025 PDF
21.03.2016 30.10.2016 PDF
01.10.2015 20.03.2016 PDF
01.08.2014 30.09.2015 PDF
03.06.2013 31.07.2014 PDF
01.07.2011 02.06.2013 PDF
23.03.2011 30.06.2011 PDF
01.01.2010 22.03.2011 PDF
17.03.2009 31.12.2009 PDF
Conditions of credit line 01.09.2025 Effective now PDF ASICE
Conditions of credit line 01.10.2015 31.08.2025 PDF BDOC
01.03.2015 30.09.2015 PDF

General conditions and principles

Effective from Effective to Document Digitally signed document
General conditions of Swedbank 01.09.2025 Effective now PDF ASICE
General conditions of Swedbank 01.11.2023 31.08.2025 PDF ASICE
01.01.2021 31.10.2023 PDF BDOC
01.06.2018 31.12.2020 PDF BDOC
01.02.2016 31.05.2018 PDF BDOC
01.07.2014 31.01.2016 PDF
01.06.2012 30.06.2014 PDF
01.01.2011 31.05.2012 PDF
22.05.2010 31.12.2010 PDF
17.03.2009 21.05.2010 PDF
General Terms and Conditions of Lease Contract 01.01.2025 Effective now PDF ASICE
01.10.2023 31.12.2024 PDF
31.12.2020 30.09.2023 PDF
01.02.2019 31.12.2020 PDF
01.05.2012 31.01.2019 PDF
01.01.2012 30.04.2012 PDF
01.01.2011 31.12.2011 PDF
01.01.2010 31.12.2010 PDF
17.03.2009 31.12.2009 PDF
General Terms and Conditions of Hire-Purchase 01.10.2023 Effective now PDF ASICE
31.12.2020 30.09.2023 PDF
01.02.2019 31.12.2020 PDF
01.05.2012 31.01.2019 PDF
01.01.2012 30.04.2012 PDF
01.01.2011 31.12.2011 PDF
01.01.2010 31.12.2010 PDF
01.03.2009 31.12.2009 PDF
Authorised processors are partners of the Estonian companies of Swedbank 01.06.2018 16.09.2025 PDF
01.04.2016 31.05.2018 PDF
01.07.2015 31.03.2016 PDF
01.07.2014 30.06.2015 PDF
20.02.2014 30.06.2014 PDF
01.11.2010 19.02.2014 PDF
01.01.2008 31.10.2010 PDF
Principles of processing Client data 01.09.2025 Effective now PDF ASICE
01.06.2025 31.08.2025 PDF ASICE
01.09.2023 31.05.2025 PDF ASICE
01.03.2022 31.08.2023 PDF ASICE
01.03.2021 28.02.2022 PDF BDOC
01.03.2020 28.02.2021 PDF BDOC
25.05.2018 29.02.2020 PDF BDOC
27.03.2018 24.05.2018 PDF BDOC
01.09.2015 26.03.2018 PDF BDOC
01.01.2014 31.08.2015 PDF
22.05.2010 31.12.2013 PDF
17.03.2009 21.05.2010 PDF
Procedure for processing customer complaints 01.12.2023 Effective now PDF ASICE
12.02.2020 30.11.2023 PDF
15.01.2019 11.02.2020 PDF
01.08.2016 14.01.2019 PDF
01.10.2014 31.07.2016 PDF

Investing

Effective from Effective to Document Digitally signed document
Conditions of pension investment account 01.09.2021 Effective now PDF ASICE
08.04.2020 31.08.2021 PDF BDOC
Conditions for Providing Investment Services 10.01.2025 Effective now PDF ASICE
26.11.2024 09.01.2025 PDF ASICE
30.01.2024 25.11.2024 PDF ASICE
01.09.2023 29.01.2024 PDF ASICE
15.08.2022 31.08.2023 PDF ASICE
03.09.2020 14.08.2022 PDF BDOC
30.06.2020 02.09.2020 PDF BDOC
03.05.2019 29.06.2020 PDF BDOC
03.01.2018 02.05.2019 PDF
01.10.2017 02.01.2018 PDF
04.01.2016 30.09.2017 PDF
20.12.2012 03.01.2016 PDF
20.07.2012 19.12.2012 PDF
18.08.2011 19.07.2012 PDF
02.08.2010 17.08.2011 PDF
07.12.2009 01.08.2010 PDF
Terms and conditions of standing order agreement for purchasing voluntary pension fund units 08.05.2025 Effective now PDF ASICE
27.06.2019 07.05.2025 PDF BDOC
01.11.2018 26.06.2019 PDF BDOC
Terms and conditions of standing order agreement for purchasing fund unit 18.06.2020 09.01.2025 PDF BDOC
Terms and Conditions of the Master Agreement for Financial Transactions 01.09.2025 Effective now PDF ASICE
29.04.2024 31.08.2025 PDF ASICE
08.04.2021 28.04.2024 PDF ASICE

Private Banking

Effective from Effective to Document Digitally signed document
Terms and conditions of private banking agreement 01.07.2023 Effective now PDF BDOC
01.06.2019 30.06.2023 PDF BDOC

Swedbank P&C Insurance AS

Document title Effective from Effective to Document
Information about the insurance agent (Swedbank AS) Effective now PDF
Information about the insurance agent (Swedbank Liising AS) Effective now PDF
Traffic insurance
Insurance product information document Effective now PDF
Pre-contractual Information about Traffic Insurance 21.11.2024 Effective now PDF
13.07.2023 20.11.2024 PDF
08.04.2019 12.07.2023 PDF
Casco
Terms and Conditions of Casco Insurance Effective now PDF
Insurance product information document Effective now PDF
Pre-contractual Information about Casco Insurance 13.07.2023 Effective now PDF
08.04.2019 12.07.2023 PDF
Home insurance
Home Insurance Terms and Conditions Effective now PDF
Insurance product information document Effective now PDF
Apartment building insurance
Terms and Conditions of Apartment Building Insurance 25.05.2018 Effective now PDF
01.01.2011 24.05.2018 PDF
Insurance product information document 12.04.2018 Effective now PDF
Loan Payment Protection Insurance
Terms and Conditions of Loan Payment Protection Insurance Effective now PDF
Insurance product information document Effective now PDF
Credit Card Insurance
Terms and Conditions of Credit Card Insurance Effective now PDF
Insurance product information document Effective now PDF
Purchase protection
Purchase protection for Credit Cards 25.05.2018 Effective now PDF
15.09.2016 24.05.2018 PDF
Insurance product information document 25.09.2018 Effective now PDF
Purchase Protection Terms and Conditions for Purchase plan and Travel plan 07.08.2025 Effective now PDF
Insurance product information document for Purchase plan and Travel plan 07.08.2025 Effective now PDF
Terms and conditions of Purchase Protection for revolving, Gold and Platinum credit cards 01.11.2025 Effective now PDF
Insurance product information document for revolving, Gold and Platinum credit cards 01.11.2025 Effective now PDF
Purchase Protection Terms and Conditions for Private Banking debit card 15.01.2026 PDF
Purchase Protection Terms and Conditions for Private Banking debit card 25.05.2018 Effective now PDF
Purchase Protection Terms and Conditions for Fixed Payment credit card 25.05.2018 Effective now PDF
15.09.2016 24.05.2018 PDF
Insurance product information document for Private Banking debit card and Fixed Payment credit card 01.11.2025 Effective now PDF
25.09.2018 31.10.2025 PDF
Travel insurance
Travel insurance terms and conditions Effective now PDF
Insurance product information document Effective now PDF
Travel insurance conditions for Gold revolving credit card 01.04.2025 Effective now PDF
22.02.2024 31.03.2025 PDF
10.03.2022 21.02.2024 PDF
06.05.2021 09.03.2022 PDF
01.02.2019 05.05.2021 PDF
25.05.2018 31.01.2019 PDF
01.07.2016 24.05.2018 PDF
01.09.2015 30.06.2016 PDF
01.01.2011 31.08.2015 PDF
Travel insurance conditions for Platinum Credit Cards 01.04.2025 Effective now PDF
22.02.2024 31.03.2025 PDF
10.03.2022 21.02.2024 PDF
06.05.2021 09.03.2022 PDF
01.02.2019 05.05.2021 PDF
25.05.2018 31.01.2019 PDF
01.06.2016 24.05.2018 PDF
Insurance product information document for credit cards 01.04.2025 Effective now PDF
01.02.2019 31.03.2025 PDF
25.09.2018 31.01.2019 PDF
Travel Insurance Terms and Conditions for Travel plan 07.08.2025 Effective now PDF
Insurance product information document for Travel plan 07.08.2025 Effective now PDF

Swedbank Life Insurance SE

Effective from Effective to Document
Supplementary funded pension insurance contracts
Unit-Linked Pension Insurance 12.08.2013 Effective now PDF
01.01.2011 11.08.2013 PDF
31.12.2009 31.12.2010 PDF
Pension Insurance+ 17.05.2018 Effective now PDF
12.08.2013 16.05.2018 PDF
07.04.2011 11.08.2013 PDF
Private Pension Portfolio 17.05.2018 Effective now PDF
12.08.2013 16.05.2018 PDF
20.05.2010 11.08.2013 PDF
31.12.2009 19.05.2010 PDF
Swedbank V+ Pension Insurance 31.12.2009 Effective now PDF
Personal Pension Scheme 12.03.2015 Effective now PDF
31.12.2009 11.03.2015 PDF
Unit-linked life insurance contracts
Fund Plan 12.08.2013 Effective now PDF
01.01.2011 11.08.2013 PDF
31.12.2009 31.12.2010 PDF
College Fund+ 17.05.2018 Effective now PDF
12.08.2013 16.05.2018 PDF
07.04.2011 11.08.2013 PDF
College Fund 01.01.2011 Effective now PDF
31.12.2009 31.12.2010 PDF
Private Portfolio 17.05.2018 Effective now PDF
12.08.2013 16.05.2018 PDF
20.05.2010 11.08.2013 PDF
31.12.2009 19.05.2010 PDF
Life insurance contracts on death
Life Insurance/Life insurance to cover loan 25.09.2025 Effective now PDF
01.01.2024 24.09.2025 PDF
10.09.2020 31.12.2023 PDF
Life insurance 17.05.2018 09.09.2020 PDF
10.09.2014 16.05.2018 PDF
12.08.2013 09.09.2014 PDF
18.12.2012 11.08.2013 PDF
31.12.2009 17.12.2012 PDF
Loan Insurance 17.05.2018 09.09.2020 PDF
12.08.2013 16.05.2018 PDF
18.12.2012 11.08.2013 PDF
31.12.2009 17.12.2012 PDF
Life Insurance (concluded until 10.09.2020) 17.05.2018 09.09.2020 PDF
10.09.2014 16.05.2018 PDF
12.08.2013 09.09.2014 PDF
31.12.2009 11.08.2013 PDF
Conditions of supplementary insurance
Supplementary No Work Ability insurance 10.09.2020 Effective now PDF
Supplementary Accidental Trauma Insurance 23.05.2024 Effective now PDF
10.09.2020 22.05.2024 PDF
Illness and Accident Insurance (PK) 01.07.2016 09.09.2020 PDF
18.12.2012 30.06.2016 PDF
Illness and Accident Insurance (PH) 01.07.2016 09.09.2020 PDF
18.12.2012 30.06.2016 PDF
Conditions of Accident Insurance 31.12.2009 17.12.2012 PDF
Accidental Insurance – Trauma (TR) 10.09.2014 09.09.2020 PDF
Swedbank logo

Internet Exploreriga ei saa internetipanka avada.

Palun kasuta Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i.

Alates 23. märtsist ei ole võimalik Internet Exploreri veebibrauseri kaudu Swedbanki internetipanka avada.

Internet Exploreri kaudu ei saa teha ega kinnitada Swedbanki makseid ka teistel veebilehtedel.

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

You have been logged out from Internet bank

For extra security close the browser window. If you wish to continue using Internet bank, please log in again.


Contacts

  • Contacts, branches, ATMs
  • Book a time
  • About Swedbank

SWEDBANK AS
Liivalaia 34, 15040 Tallinn
SWIFT code/BIC: HABAEE2X
Reg. number: 10060701

Useful links

  • Secure banking
  • Sustainability
  • Calculators
  • Prices and rates
  • Our blog
  • Life Events Guidance
  • Work with us

Legal information

  • Bank conditions
  • Processing of Client Data
  • Customer Data
  • Handling customer complaints
  • Cookies
  • Manage cookies
  • PSD2 and open banking
  • Accessibility

Customer programmes

  • Private Banking
  • Gold customers
  • Seniors
  • For parents
  • Young people and students
  • Become a business customer

This is a website of companies offering financial services – Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, Swedbank Life Insurance SE, and Swedbank Investeerimisfondid AS. Before entering into any agreement read the terms and conditions of the respective service. Consult a specialist, where necessary. Swedbank AS does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.