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ETFs

A simple way to start investing

ETFs are investment funds whose shares (units) are traded on stock exchanges.

Why opt for ETFs:

  • ETF transactions are as simple as trading stock
  • A possibility to create a diversified portfolio of securities on your own quickly and simply
  • Lower fees as compared to buying each stock individually

What are ETFs (exchange-traded funds)?

ETFs are investment funds (mutual funds) that are listed on stock exchange and may consist of several asset classes, such as equities, bonds, commodities.

  • By just one investment you get a basket of products: from stocks and bonds to commodities and currencies.
  • With every investment in ETF instruments, the assets are distributed across a range of investment targets resulting in increased diversification and reduced investment risk.
  • A major part of investors lack time or knowledge to keep track of each stock of companies representing the field they’re interested in.
  • Investing in ETFs saves time and gives an opportunity to invest in industries or indexes that you find interesting and feel confident about.
  • During stock exchange trading session, ETFs are traded just like company stocks.
  • ETF units can be purchased and sold quickly in the preferred quantity at a price acceptable to you.
  • ETFs, just like any other investment instruments, are also subject to various risks, such as market risk, interest rate risk, currency risk and others.
  • It is important to be aware of those risks and to assess them on a continuous basis*.

*More info on the potential risks can be found from Guide to Financial Instruments and Conditions for Providing Investment Services.
  1. Before your first investment, you need to open securities account. We also suggest you to open investment account for more convenient income tax declaration.
    • You can make investments in various financial instruments, such as ETFs, equities, bonds etc.
    • Without investment account it is not possible to invest into such instruments.
    • It is possible to make securities transfers or receive securities from third parties or family members.
    • In Swedbank you will benefit from free of charge safekeeping for portfolios of up to €30,000.
    • In Swedbank you will benefit from free of charge safekeeping for portfolios of up to €100,000.

    More about securities account.
    • Investment account is separate account where you can deposit your money that will be used for investments in various financial instruments, such as ETFs, equities, bonds etc.
    • No worries about declaring the earned income or loss and paying the income tax after each sales transaction.
    • Easy to declare annually as you can send the investment account annual report from the internet banking to the Tax and Customs Board with few clicks.
    • A possibility to make transfers to your investment account with another bank.
    • Opening and keeping an investment account is free of charge.

    More about investment account.
  2. Choose your preferred exchange-traded fund (ETF)
  3. Place an order for buying exchange-traded funds (ETF)

In case of ETFs investments, the investors themselves are liable for any applicable taxes according to the Private Income Tax Law.

  • No worries about declaring the earned income or loss and paying the income tax after each sales transaction.
  • Easy to declare as you can send the investment account annual report from the internet banking to the Tax and Customs Board with few clicks.
  • After each securities sales transaction you need to calculate if loss or income was earned.
  • You yourself need to annually prepare and declare income from capital gain for income tax calculation.
  • 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 01.07.2022 Effective as of 01.04.2023
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 to 20% VAT.
  • For accounts opened with Estonian register of securities, account opening statement and statements of holdings and transactions for securities registered with the register are available at daily weekly, monthly, quarterly and annual frequency. Periodic statements are available free of charge at Nasdaq CSD Estonian branch Estonia webpage.

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

Trading of equities, bonds and Exchange Traded Fund (ETF) shares
  • Percentage based trading fees calculated from trade amount, in certain cases transaction fee will be added.
  • Trading fee is charged in trading currency based on the Bank’s exchange rates.
  • Trading via brokerage is subject to the Master Agreement for Financial Transactions. Information on the agreement is available from the Bank.
  • Trading orders transmitted to the Bank can be cancelled until executed.
  • In case the order is not executed in full during a single trading day, the trading fee (including minimum trading fee) for partial order execution is charged in full for each trading day when part of the order is executed.
  • On certain markets, minimum transaction amounts may apply.
  • A stamp duty of 0,5% of transaction amount on buying UK securities and 1% on buying Irish securities is added to the transaction charges. In certain events, a higher rate (1,5%), a bonus rate or tax exemption may apply for UK securities.
  • If purchase transactions are subject to FTT according to local market regulations (e.g. France, Italy, 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 €
Russia 0,30%, min 125 €
Shares and ETF-s Branch office Via brokerage
Estonia 0,2%, min 50 € 0,2%, min 50 €
Latvia 0,2%, min 50 € 0,2%, min 50 €
Lithuania 0,2%, min 50 € 0,2%, min 50 €
Sweden 0,2%, min 50 € 0,2%, min 500 SEK
Finland 0,2%, min 50 € 0,2%, min 50 €
Denmark 0,2%, min 50 € 0,2%, min 400 DKK
Norway 0,2%, min 50 € 0,2%, min 400 NOK
USA 0,2%, min 50 € 0,2%, min 50 USD
Germany 0,2%, min 50 € 0,2%, min 50 €
UK (London SE) 0,2%, min 50 € 0,2%, min 50 GBP
UK London International (Russian and other GDRs) 0,2%, min 50 € 0,2%, min 50 USD
Canada 0,2%, min 50 € 0,2%, min 50 CAD
Netherlands 0,2%, min 50 € 0,2%, min 50 €
France 0,2%, min 50 € 0,2%, min 50 €
Belgium 0,2%, min 50 € 0,2%, min 50 €
Ireland 0,2%, min 50 € 0,2%, min 50 €
Italy 0,2%, min 50 € 0,2%, min 50 €
Portugal 0,2%, min 50 € 0,2%, min 50 €
Spain 0,2%, min 50 € 0,2%, min 50 €
Switzerland 0,2%, min 50 € 0,2%, min 50 CHF
Austria 0,25%, min 50 € 0,25%, min 50 €
Poland 0,25%, min 50 € 0,25%, min 200 PLN
Hungary 0,25%, min 50 € 0,25%, min 15000 HUF
Czech 0,25%, min 50 € 0,25%, min 1300 CZK
Russia 0,3%, min 150 € 0,3%, min 150 USD
Bulgaria 0,6%, min 50 € 0,6%, min 150 BGN
Bonds Internet bank Branch office Via brokerage
Estonia 0,2%, min 3 € - 0,2%, min 50 €
Latvia 0,2%, min 3 € - 0,2%, min 50 €
Lithuania 0,2%, min 3 € - 0,2%, min 50 €
Trading in bonds in all other applicable markets via Swedbank brokerage - - 0,5%, min 50 €
Transaction fee (all instruments) included in trading fee included in trading fee 3€ Baltic markets
4€ other markets

Transactions with investment fund units
  • Percentage based fees calculated from trade amount.
  • Fund orders submitted to the Bank cannot be cancelled.
  • Fund switch subject to the conditions specified in the fund terms, fee charged only on sell transaction.
  • Foreign fund transaction fee includes standard settlement fees charged by the Bank’s Custodians.
  • Other Estonian funds – subscription and redemption fee may be added subject to fund terms.

 
  Subscription Regular investment Redemption Switch
Swedbank Group funds free of charge free of charge free of charge free of charge
Other foreign fixed income funds
Franklin Templeton funds 0,5% + 7 € 0,5%, min 0,75 € 7 € 7 €
Funds managed by other management companies 0,5% + 21 € - 21 € 21 €
Other foreign equity and mixed funds
Franklin Templeton funds 1% + 7 € 1%, min 0,75 € 1% + 7 € 7 €
Funds managed by other management companies 1% + 21 € - 1% + 21 € 21 €
Other Estonian funds 1,5 € 0,75 € 5 € 5 €
Other transactions with Estonian securities and fund units Fees charged from both parties of the transaction.
Free of payment transaction 4,8 €
Against payment transaction 3,2 €
Pledge registration / amendment / appropriation 15 €
Transfer of pledged securities 30 €
Pledge release free of charge

Other transactions with foreign securities and foreign funds
  • Fees charged from both parties of the transaction.
  • Bank internal transactions are transactions between the securities accounts of the Bank’s clients.
  • Transaction fee includes standard settlement fees charged by the Bank’s Custodians.

 
Bank internal transactions 6 €
Bank external transaction
Latvia, Lithuania 10 €
Belgium, Canada, Denmark, Eurobond, Finland, France, Germany, Ireland, Netherlands, Norway, Sweden, UK, USA 15 €
Austria, Czech Republic, Hungary, Italy, Poland, Portugal, Spain, Switzerland 25 €
Bulgaria, 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 to 20% VAT. VAT exemption applies if client safekeeps only units or shares of investment funds specified in the Investment Funds Act or investment/ exchange traded funds of the EEA member state.
  • Safekeeping fee is calculated based on the portfolio value on the last date of the calendar month. Securities are priced according to month end prices of the Bank’s local agents, market price or nominal value. Bonds are priced at nominal value. Fees are debited on the 20th or later date of the following month from the Client’s current account linked to the securities account.
  • ETF safekeeping fee equals to the safekeeping fee of its trading country.
  • Safekeeping of Depositary Receipts (ADR, GDR) is subject to the respective DR Agent’s fees in addition to safekeeping fee.
  • Safekeeping on other countries is subject to prior agreement with the Bank.
  • Other investments: Austria, Belgium, Canada, Estonia, France, Germany, Ireland, Italy, Latvia, Lithuania, Netherlands, Portugal, Spain, Switzerland, UK, USA, Depositary Receipts, Poland, Czech, Hungary, Bulgaria, Serbia, Russia, foreign funds
  • Other investments: Austria, Belgium, Canada, France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, 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 30 000 € Up to 100 000 € free of charge
From the value above 30 000 € From the value above 100 000 € 0,008%, max 8 €

Other Services
  • Fees for other services are subject to 20% VAT.
  • Tax relief at source / tax reclaim and general meeting services are subject to availability on each specific market.
  • Maintenance fee is charged in addition to monthly securities safekeeping fee.

Participation in general shareholder’s meeting subject to prior agreement
Tax reclaim subject to prior agreement
Tax relief at source subject to prior agreement

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