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Terms and conditions

According to the requirements under the Goods and Services Accessibility Law, we are working on the simplification of our terms to make them more reader-friendly and easier for the customers to understand.

General

Document title Effective from Effective to Document Digitally signed document
General Conditions 28.06.2025 Effective now PDF ASICE
24.10.2024 Effective now 27.06.2025 PDF ASICE
12.01.2023 23.10.2024 PDF ASICE
25.09.2020 11.01.2023 PDF
05.12.2016 24.05.2018 PDF
14.01.2015 04.12.2016 PDF
Annex 1 to the General Conditions 05.10.2025 Effective now PDF
Principles of processing personal data 01.06.2025 Effective now PDF
01.07.2024 Effective now 31.05.2025 PDF
25.01.2024 30.06.2024 PDF
01.09.2023 24.01.2024 PDF
08.01.2023 31.08.2023 PDF
28.02.2022 07.01.2023 PDF
01.03.2021 27.02.2022 PDF
01.06.2020 28.02.2021 PDF
04.06.2018 31.05.2020 PDF
25.05.2018 03.06.2018 PDF
27.03.2018 24.05.2018 PDF
Cookies Policy for Swedbank’s Online Resources 15.06.2023 Effective now PDF
23.03.2023 14.06.2022 PDF
06.10.2022 22.03.2023 PDF
29.10.2020 05.10.2022 PDF
17.03.2017 28.10.2020 PDF
Guidance for Issuing Powers of Attorney – “Swedbank” AS Effective now PDF
Requirements for powers of attorney - "Swedbank Līzings" SIA Effective now PDF
Customer complaints handling procedure 14.02.2023 Effective now PDF
Key information on the guaranteed deposit protection 10.04.2025 Effective now PDF
11.01.2023 09.04.2025 PDF
01.07.2022 11.01.2023 PDF
07.07.2016 30.06.2022 PDF
About OECD CRS and FATCA PDF
Additional information for distance financial services contracts 12.06.2025 Effective now PDF

Accounts and payments

Document title Effective from Effective to Document Digitally signed document
Terms of Account Agreement 28.06.2025 - Effective now PDF ASICE
26.09.2018 Effective now 27.06.2025 PDF eDOC
25.05.2018 25.09.2018 PDF
07.07.2016 24.05.2018 PDF
Terms of Account Agreement (for persons before the age of 16) 28.06.2025 - Effective now PDF
26.04.2021 Effective now 27.06.2025 PDF
26.09.2018 25.04.2021 PDF eDOC
25.05.2018 25.09.2018 PDF
15.12.2016 24.05.2018 PDF
Terms of Standing Orders 28.06.2025 - Effective now PDF
01.11.2024 Effective now 27.06.2025 PDF
25.11.2021 31.10.2024 PDF
25.05.2018 24.11.2021 PDF
17.03.2009 24.05.2018 PDF
Terms of e-invoice automated payment agreement 28.06.2025 - Effective now PDF
12.08.2021 Effective now 27.06.2025 PDF
20.04.2021 11.08.2021 PDF
25.05.2018 19.04.2021 PDF
Terms of Securities Account/Brokerage Agreement 02.12.2024 Effective now PDF
30.01.2024 01.12.2024 PDF
17.01.2023 29.01.2024 PDF
21.03.2022 16.01.2023 PDF
09.06.2021 20.03.2022 PDF
01.09.2020 08.06.2021 PDF
01.06.2020 31.08.2020 PDF
02.01.2020 31.05.2020 PDF
24.06.2019 01.01.2020 PDF
25.05.2018 23.06.2019 PDF
01.02.2018 24.05.2018 PDF
18.09.2017 31.01.2018 PDF
11.02.2014 17.09.2017 PDF
Terms of Temporary Account Agreement 10.04.2025 Effective now PDF
23.02.2023 09.04.2025 PDF
25.05.2018 22.02.2023 PDF
08.04.2011 24.05.2018 PDF
Terms of Temporary Account Agreement for Remote Opening of Account 10.04.2025. Effective now PDF
25.05.2018 09.04.2025 PDF
12.05.2014 24.05.2018 PDF
Terms of Investment Account 28.06.2025. - Effective now PDF
08.11.2018. Effective now 27.06.2025 PDF

Payment collection

Document title Effective from Effective to Document
Terms and conditions of e-invoice agreement 22.11.2021 Effective now PDF
08.06.2017. 21.11.2021. PDF
Terms of Agreement on E-Invoice Forwarding to Other Service Providers (LV) 21.10.2021 Effective now PDF
Terms and Conditions for Payment Cards Servicing 25.11.2024 Effective now PDF
06.12.2018 24.11.2024 PDF
25.05.2018 05.12.2018 PDF
09.06.2016 24.05.2018 PDF
10.12.2015 08.06.2016 PDF
12.11.2014 09.12.2015 PDF
Terms of American Express card acceptance (LV) 18.11.2019 Effective now PDF
Terms of rent of terminals 20.08.2018 Effective now PDF
25.05.2018 19.08.2018 PDF
09.06.2016 24.05.2018 PDF
10.12.2015 08.06.2016 PDF
Conditions for Payment Cards Servicing (Cash Back) 30.04.2019 Effective now PDF
Instructions for Accepting Payment Cards 25.11.2024 Effective now PDF
02.10.2020 24.11.2024 PDF
16.05.2018 01.10.2020 PDF
07.07.2017 15.05.2018 PDF
Indicative price component table 07.10.2020 Effective now PDF
Terms and Conditions for Online Card Acquiring 07.08.2025 - Effective now PDF
25.11.2024 06.08.2025 Effective now PDF
25.04.2021 24.11.2024 PDF
Terms and Conditions for E-commerce Payments Platform 25.11.2024 Effective now PDF
23.09.2022 24.11.2024 PDF
14.07.2022 23.09.2022 PDF
25.04.2021 23.09.2022 PDF
Payment Initiation Services Conditions 09.10.2023 Effective now PDF
E-Commerce Payment Initiation Services Conditions 14.07.2022 Effective now PDF

Payment cards

Document title Effective from Effective to Document Digitally signed document
Terms of Use of Private Debit Cards 28.06.2025 Effective now PDF ASICE
02.10.2023 Effective now 27.06.2025 PDF ASICE
01.02.2022 01.10.2023 PDF ASICE
25.09.2020 31.01.2022 PDF eDOC
01.08.2018 24.09.2020 PDF eDOC
25.05.2018 31.07.2018 PDF eDOC
19.08.2017 24.05.2018 PDF eDOC
14.04.2016 18.08.2017 PDF
14.01.2015 13.04.2016 PDF
Terms of Use of Private Credit Cards 28.06.2025 Effective now PDF ASICE
02.10.2023 Effective now 27.06.2025 PDF ASICE
01.02.2022 01.10.2023 PDF ASICE
20.02.2020 31.01.2022 PDF eDOC
01.08.2018 19.02.2020 PDF eDOC
25.05.2018 31.07.2018 PDF eDOC
19.08.2017 24.05.2018 PDF eDOC
Terms of usage of Cards for business 02.10.2023 Effective now PDF
12.01.2023 01.10.2023 PDF
24.05.2021 11.01.2023 PDF
06.07.2019 23.05.2021 PDF
22.05.2018 05.07.2019 PDF
09.06.2016 21.05.2018 PDF
01.09.2015 08.06.2016 PDF
LoungeKey Terms and Conditions 20.03.2025 Effective now PDF
09.07.2020 19.03.2025 PDF
Terms of Guarantee Agreement for Card Agreement for business (for agreements signed from 12.01.2023.) 12.01.2023 Effective now PDF
Terms of Guarantee Agreement for Card Agreement for business (for agreements signed before 11.01.2023.) 22.05.2018 11.01.2023 PDF

Remote Banking Services

Document title Effective from Effective to Document
Web site user terms 01.10.2024 Effective now PDF
06.05.2021 30.09.2024 PDF
16.06.2009 05.05.2021 PDF
Terms of Remote Banking Services 24.10.2024 Effective now PDF
29.10.2019 23.10.2024 PDF
01.10.2018 28.10.2019 PDF
01.08.2018 30.09.2018 PDF
25.05.2018 31.07.2018 PDF
05.12.2016 24.05.2018 PDF
12.11.2015 04.12.2016 PDF
01.01.2014 11.11.2015 PDF
Terms and Conditions of Swedbank Gateway Service 26.10.2022 Effective now PDF
26.11.2020 25.10.2022 PDF
04.04.2019 25.11.2020 PDF
17.07.2017 03.04.2019 PDF

Loans and leasing

Document title Effective from Effective to Document
Factoring agreement general terms and conditions (with insurance) (LV) 01.02.2025 Effective now PDF
11.01.2024 31.01.2025 PDF
14.08.2023 10.01.2024 PDF
15.03.2022 13.08.2023 PDF
01.08.2019 14.03.2022 PDF
01.02.2019 31.07.2019 PDF
07.06.2017 31.01.2019 PDF
03.02.2017 07.06.2017 PDF
Factoring agreement general terms and conditions (without insurance) (LV) 01.02.2025 Effective now PDF
11.01.2024 31.01.2025 PDF
14.08.2023 10.01.2024 PDF
15.03.2022 13.08.2023 PDF
01.08.2019 14.03.2022 PDF
01.02.2019 31.07.2019 PDF
03.02.2017 31.01.2019 PDF
Terms of Credit Line Agreement 25.05.2018 Effective now PDF
07.04.2011 24.05.2018 PDF
Terms of Credit Line Agreement after 20.07.2015 21.06.2019 Effective now PDF
Terms of Consumer Credit Agreement 21.06.2019 Effective now PDF
25.05.2018 20.06.2019 PDF
- 24.05.2018 PDF
Terms of Study Loan Agreement with State Guarantee 01.01.2022 Effective now PDF
Terms of Student loan Agreement with State Guarantee 01.01.2022 Effective now PDF
General conditions of a corporate small loan / overdraft agreement for legal customers 11.05.2023 Effective now PDF
12.01.2023 11.05.2023 PDF
22.04.2021 11.01.2023 PDF
28.11.2019 21.04.2021 PDF
01.02.2019 27.11.2019 PDF
13.07.2018 31.01.2019 PDF
12.01.2017 12.07.2018 PDF
02.01.2017 11.01.2017 PDF
14.11.2016 01.01.2017 PDF
General Terms of Finance Lease Agreement for legal customers (LV) 27.04.2022 31.01.2023 PDF
27.05.2021 26.04.2022 PDF
01.02.2019 26.05.2021 PDF
08.04.2016 31.01.2019 PDF
17.03.2016 07.04.2016 PDF
09.03.2015 16.03.2016 PDF
12.02.2015 08.03.2015 PDF
06.09.2014 11.02.2015 PDF
17.02.2014 05.09.2014 PDF
Operating Lease for legal customers (LV) 27.04.2022 31.01.2023 PDF
27.05.2021. 26.04.2022. PDF
01.02.2019 26.05.2021 PDF
08.04.2016 31.01.2019 PDF
17.03.2016 08.04.2016 PDF
12.02.2015 16.03.2016 PDF
08.12.2014 11.02.2015 PDF
Annexes for buyback agreement (LV) - Effective now PDF
Terms of Car loan Agreement 21.06.2019 Effective now PDF
Terms of Solution Loan Agreement 21.06.2019 Effective now PDF
Sustainable Farming Terms & Conditions 20.10.2022 Effective now PDF
General Terms and Conditions of Guarantees 09.01.2025 Effective now PDF

Pensions

Document title Effective from Effective to Document
Terms of Individual Participation Agreement 17.07.2025. Effective now PDF
08.12.2022. Effective now 16.07.2025. PDF
25.03.2022 07.12.2022 PDF
08.11.2021 24.03.2022 PDF
23.07.2020 07.11.2021 PDF
25.05.2018 22.07.2020 PDF
Terms of Collective Participating Contract 01.06.2025 Effective now PDF
25.05.2018 31.05.2025 PDF
Terms of Orders for Automatic Investments in Pension Plan 28.06.2025. Effective now PDF
26.10.2023. Effective now 27.06.2025. PDF
23.07.2020 25.10.2023 PDF
21.09.2015 22.07.2020 PDF
Terms of Order on Contribution to Pension Plan 28.06.2025. Effective now PDF
26.10.2023 Effective now 27.06.2025. PDF

Savings and investments

Document title Effective from Effective to Document
Terms of Easy Saver Agreement 17.04.2025 Effective now PDF
07.05.2020 16.04.2025 PDF
Terms of Deposit Agreement for Private Persons 28.06.2025 Effective now PDF
22.04.2021 Effective now 28.06.2025 PDF
21.05.2020 21.04.2021 PDF
25.05.2018 20.05.2020 PDF
01.09.2016 24.05.2018 PDF
03.03.2014 31.08.2016 PDF
Terms of Deposit Agreement for Corporate customers 09.05.2024 Effective now PDF
21.05.2020 08.05.2024 PDF
25.05.2018 20.05.2020 PDF
01.09.2016 24.05.2018 PDF
03.03.2014 31.08.2016 PDF
Terms of the Overnight Deposit Agreement for Legal Persons 28.06.2025 Effective now PDF
15.06.2023 Effective now 28.06.2025 PDF
Terms of the Overnight Deposit Agreement for Private Persons 28.06.2025 Effective now PDF
15.06.2023 Effective now 28.06.2025 PDF
Terms of Agreement for Financial Market Transactions 08.08.2024 Effective now PDF
29.04.2024 07.08.2024 PDF
17.01.2023 28.04.2024 PDF
09.06.2021 16.01.2023 PDF
15.07.2020 08.06.2021 PDF
02.01.2020 14.07.2020 PDF
24.06.2019 01.01.2020 PDF
25.05.2018 23.06.2019 PDF
01.02.2018 24.05.2018 PDF
16.07.2016 31.01.2018 PDF
01.11.2015 15.07.2016 PDF
01.01.2015 30.10.2015 PDF
Terms of the agreement on use of the Traderoom system 17.01.2023 Effective now PDF
08.04.2021 16.01.2023 PDF
02.01.2020 07.04.2021 PDF
24.06.2019 01.01.2020 PDF
01.02.2018 23.06.2019 PDF
01.01.2016 31.01.2018 PDF

Insurance

Document title Effective from Effective to Document
Travel insurance for private credit card holders IPID 01.02.2019 Effective now PDF
25.05.2018 31.01.2019 PDF
Travel insurance for business credit card holders 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
09.06.2016 05.05.2021 PDF
Terms and Conditions of Travel Insurance for Gold 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
24.05.2018 31.01.2019 PDF
01.09.2015 23.05.2018 PDF
Terms and Conditions of Travel Insurance for Platinum credit 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
25.05.2018 05.05.2021 PDF
01.09.2015 24.05.2018 PDF
Purchase Insurance for Swedbank Credit Card Holder IPID PDF
Purchase Insurance Terms and Conditions for Swedbank Credit Card Holder 25.05.2018 Effective now PDF
11.05.2017 24.05.2018 PDF
01.09.2016 11.05.2017 PDF
Home insurance IPID 07.02.2018 Effective now document PDF
Home insurance 11.04.2024 Effective now document PDF
22.02.2022 10.04.2024 document PDF
25.05.2018 21.02.2022 document PDF
17.08.2017 24.05.2018 document PDF
13.06.2013 16.08.2017 document PDF
Casco insurance IPID 07.02.2018 Effective now document PDF
Casco insurance 25.05.2018 Effective now document PDF
01.10.2016 24.05.2018 document PDF
19.09.2013 30.09.2016 document PDF
MTPL Insurance 13.06.2013 14.03.2018 document PDF
Travel insurance IPID 01.04.2025 Effective now document PDF
22.02.2024 31.03.2025 document PDF
07.02.2018 21.02.2024 document PDF
Travel insurance 01.04.2025 Effective now document PDF
22.02.2024 31.03.2025 document PDF
10.03.2022 21.02.2024 document PDF
06.05.2021 09.03.2022 document PDF
25.05.2018 05.05.2021 document PDF
Family Support Insurance 17.05.2018 09.09.2020 PDF
03.12.2014 16.05.2018 PDF
Family Support Insurance Trauma supplementary insurance 08.09.2014 09.09.2020 PDF
Life Insurance/Life insurance to cover loan 01.01.2024 Effective now PDF
12.01.2023 31.12.2023 PDF
10.09.2020 11.01.2023 PDF
Life Insurance 17.05.2018 09.09.2020 PDF
19.12.2012 16.05.2018 PDF
"Life insurance/Life insurance to cover loan" Disability supplementary insurance 10.09.2020 Effective now PDF
"Life insurance/ Life insurance to cover loan" Trauma supplementary insurance 23.05.2024 Effective now PDF
10.09.2020 22.05.2024 PDF
Life Insurance Terms and Conditions of Supplementary Insurance 19.12.2012 09.09.2020 PDF
Life insurance to cover loan 17.05.2018 09.09.2020 PDF
19.12.2012 16.05.2018 PDF
Life insurance to cover loan Terms and conditions of disability supplementary insurance 19.12.2012 09.09.2020 PDF
Credit Card Liabilities Insurance IPID 08.12.2022 Effective now document PDF
07.02.2018 07.12.2022 document PDF
Credit Card Liabilities Insurance 23.01.2025 Effective now document PDF
08.12.2022 22.01.2025 document PDF
25.05.2018 07.12.2022 document PDF
18.06.2015 24.05.2018 document PDF
Insurance against borrower's unemployment and incapacity for work IPID 08.12.2022 Effective now PDF
25.05.2018. 07.12.2022. PDF
Insurance against borrower's unemployment and incapacity for work 08.12.2022 Effective now PDF
25.05.2018. 07.12.2022. PDF
18.04.2013. 24.05.2018. PDF
MTPL Standard agreement IPID 10.12.2024 Effective now document PDF
07.02.2018 09.12.2024 document PDF
MTPL Green card IPID PDF
Information about the distributor Swedbank 21.10.2021 Effective now document PDF
07.02.2018 20.10.2021 document PDF
Information about the distributor Swedbank Leasing 21.10.2021 01.01.2028 document PDF
16.05.2018 20.10.2021 document PDF

Customer programmes

Document title Effective from Effective to Document
Gold Service Program Description 28.06.2025 Effective now PDF
01.12.2023 Effective now 27.06.2025 PDF
01.10.2021 30.11.2023 PDF
01.05.2021 30.09.2021 PDF
25.05.2018 30.04.2021 PDF
Swedbank logo

Jūsu Internet Explorer pārlūkprogramma netiek atbalstīta.

Lūdzu izmantot Google Chrome, Mozilla Firefox vai Microsoft Edge pārlūkprogrammu.

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Ar 23.03.2021. Swedbank internetbanka vairs nav pieejama, izmantojot Internet Explorer tīmekļa pārlūkprogrammu.

Tāpat nav iespējams apstiprināt Swedbank maksājumus citās vietnēs, kā arī izmantot Swedbank autentifikāciju, piemēram, latvija.lv.

Turpmāk iesakām izmantot Google Chrome, Mozilla Firefox vai jaunāko Microsoft Edge versiju. Uzziniet, kā uz sava datora uzstādīt kādu no minētajām pārlūkprogrammām, šeit.

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.

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Until July 31, loan agreement fee – 0 EUR

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Contacts

“Swedbank” AS
Balasta dambis 15, Riga,
LV-1048, Latvia
BIC/S.W.I.F.T.: HABALV22
Reg. number: 40003074764

Useful links

Legal information

Customer programmes

This is Internet Banking site of companies offering financial services - "Swedbank" AS, "Swedbank Līzings" SIA, "Swedbank Atklātais Pensiju Fonds" AS, "Swedbank Ieguldījumu Pārvaldes Sabiedrība" AS, "Swedbank P&C Insurance" AS Latvia branch, "Swedbank Life Insurance" SE Latvia branch. Before signing any agreement read the terms and conditions of the respective service.