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Terms and conditions

General

Effective from Effective to
General Conditions 12.01.2023 Effective now documentPDF documentASICE
25.09.2020 11.01.2023 documentPDF
05.12.2016 24.05.2018 documentPDF
14.01.2015 04.12.2016 documentPDF
Principles of processing personal data 25.01.2024 Effective now documentPDF
01.09.2023 24.01.2024 documentPDF
08.01.2023 31.08.2023 documentPDF
28.02.2022 07.01.2023 documentPDF
01.03.2021 27.02.2022 documentPDF
01.06.2020 28.02.2021 documentPDF
04.06.2018 31.05.2020 documentPDF
25.05.2018 03.06.2018 documentPDF
27.03.2018 24.05.2018 documentPDF
Cookies Policy for Swedbank’s Online Resources 15.06.2023 Effective now documentPDF
23.03.2023 14.06.2022 documentPDF
06.10.2022 22.03.2023 documentPDF
29.10.2020 05.10.2022 documentPDF
17.03.2017 28.10.2020 documentPDF
Guidance for Issuing Powers of Attorney – “Swedbank” AS Effective now documentPDF
Requirements for powers of attorney - "Swedbank Līzings" SIA Effective now documentPDF
Customer complaints handling procedure 14.02.2023 Effective now documentPDF
Background Information on the Protection of the State-guaranteed Deposits 12.01.2023 Effective now documentPDF
01.07.2022 11.01.2023 documentPDF
07.07.2016 30.06.2022 documentPDF
About OECD CRS and FATCA documentPDF
Additional information for distance financial services contracts Effective now documentPDF

Accounts and payments

Effective from Effective to
Terms of Account Agreement 26.09.2018 Effective now documentPDF documenteDOC
25.05.2018 25.09.2018 documentPDF
07.07.2016 24.05.2018 documentPDF
Terms of Account Agreement (for persons before the age of 16) 26.04.2021 Effective now documentPDF
26.09.2018 25.04.2021 documentPDF documenteDOC
25.05.2018 25.09.2018 documentPDF
15.12.2016 24.05.2018 documentPDF
Provisions of Standing order 25.11.2021 Effective now documentPDF
25.05.2018 24.11.2021 documentPDF
17.03.2009 24.05.2018 documentPDF
Terms of e-invoice automated payment agreement 12.08.2021 Effective now documentPDF
20.04.2021 11.08.2021 documentPDF
25.05.2018 19.04.2021 documentPDF
Terms of Securities Account/Brokerage Agreement 30.01.2024 Effective now documentPDF
17.01.2023 29.01.2024 documentPDF
21.03.2022 16.01.2023 documentPDF
09.06.2021 20.03.2022 documentPDF
01.09.2020 08.06.2021 documentPDF
01.06.2020 31.08.2020 documentPDF
02.01.2020 31.05.2020 documentPDF
24.06.2019 01.01.2020 documentPDF
25.05.2018 23.06.2019 documentPDF
01.02.2018 24.05.2018 documentPDF
18.09.2017 31.01.2018 documentPDF
11.02.2014 17.09.2017 documentPDF
Terms of Temporary Account Agreement 23.02.2023 Effective now documentPDF
25.05.2018 22.02.2023 documentPDF
08.04.2011 24.05.2018 documentPDF
Terms of Temporary Account Agreement for Remote Opening of Account 25.05.2018 Effective now documentPDF
12.05.2014 24.05.2018 documentPDF
Terms of Investment Account 08.11.2018 Effective now documentPDF

Payment collection

Effective from Effective to
Terms and conditions of e-invoice agreement 22.11.2021 Effective now documentPDF
08.06.2017. 21.11.2021. documentPDF
Terms of Agreement on E-Invoice Forwarding to Other Service Providers (LV) 21.10.2021 Effective now documentPDF
Terms for payment cards servicing 06.12.2018 Effective now documentPDF
25.05.2018 05.12.2018 documentPDF
09.06.2016 24.05.2018 documentPDF
10.12.2015 08.06.2016 documentPDF
12.11.2014 09.12.2015 documentPDF
Terms of American Express card acceptance (LV) 18.11.2019 Effective now documentPDF
Terms of rent of terminals 20.08.2018 Effective now documentPDF
25.05.2018 19.08.2018 documentPDF
09.06.2016 24.05.2018 documentPDF
10.12.2015 08.06.2016 documentPDF
Conditions for Payment Cards Servicing (Cash Back) 30.04.2019 Effective now documentPDF
Security Elements and Acceptance of Payment Cards 02.10.2020 Effective now documentPDF
16.05.2018 01.10.2020 documentPDF
07.07.2017 15.05.2018 documentPDF
Indicative price component table 07.10.2020 Effective now documentPDF
Terms and Conditions for Online Card Acquiring 25.04.2021 Effective now documentPDF
Swedbank Payment Portal Service Conditions 25.04.2021 28.02.2023 documentPDF
01.08.2018 24.04.2021 documentPDF
29.09.2015 31.07.2018 document (LV)
Swedbank Payment Portal Bank Link Service Conditions 25.04.2021 28.02.2023 documentPDF
25.05.2018 24.04.2021 documentPDF
29.09.2015 24.05.2018 documentPDF
Terms and Conditions for E-commerce Payments Platform 23.09.2022 Effective now documentPDF
14.07.2022 23.09.2022 documentPDF
25.04.2021 23.09.2022 documentPDF
Swedbank Payment Portal online card acquiring conditions 25.05.2018 24.04.2021 documentPDF
10.01.2017 24.05.2018 documentPDF
Swedbank Bank Link Service Conditions 23.09.2022 Effective now 08.10.2023 documentPDF
11.08.2022 23.09.2022 documentPDF
10.07.2020 10.08.2022 documentPDF
Payment Initiation Services Conditions 09.10.2023 - Effective now documentPDF
E-Commerce Payment Initiation Services Conditions 14.07.2022 Effective now documentPDF

Payment cards

Effective from Effective to
Terms of Use of Private Debit Cards 02.10.2023 - Effective now documentPDF documentASICE
01.02.2022 Effective now 01.10.2023 documentPDF documentASICE
25.09.2020 31.01.2022 documentPDF documenteDOC
01.08.2018 24.09.2020 documentPDF documenteDOC
25.05.2018 31.07.2018 documentPDF documenteDOC
19.08.2017 24.05.2018 documentPDF documenteDOC
14.04.2016 18.08.2017 documentPDF
14.01.2015 13.04.2016 documentPDF
Terms of Use of Private Credit Cards 02.10.2023 - Effective now documentPDF documentASICE
01.02.2022 Effective now 01.10.2023 documentPDF documentASICE
20.02.2020 31.01.2022 documentPDF documenteDOC
01.08.2018 19.02.2020 documentPDF documenteDOC
25.05.2018 31.07.2018 documentPDF documenteDOC
19.08.2017 24.05.2018 documentPDF documenteDOC
Terms of usage of Cards for business 02.10.2023 - Effective now documentPDF
12.01.2023 Effective now 01.10.2023 documentPDF
24.05.2021 11.01.2023 documentPDF
06.07.2019 23.05.2021 documentPDF
22.05.2018 05.07.2019 documentPDF
09.06.2016 21.05.2018 documentPDF
01.09.2015 08.06.2016 documentPDF
Lounge Key Terms and Conditions 09.07.2020 Effective now documentPDF
Terms of Use of Priority Pass Card 10.07.2017 Effective now documentPDF
11.05.2017 09.07.2017 documentPDF
Terms of Guarantee Agreement for Card Agreement for business (for agreements signed from 12.01.2023.) 12.01.2023 Effective now documentPDF
Terms of Guarantee Agreement for Card Agreement for business (for agreements signed before 11.01.2023.) 22.05.2018 11.01.2023 documentPDF

Remote Banking Services

Effective from Effective to
Web site user terms 06.05.2021 Effective now documentPDF
16.06.2009 05.05.2021 documentPDF
Terms of Remote Banking Services 29.10.2019 Effective now documentPDF
01.10.2018 28.10.2019 documentPDF
01.08.2018 30.09.2018 documentPDF
25.05.2018 31.07.2018 documentPDF
05.12.2016 24.05.2018 documentPDF
12.11.2015 04.12.2016 documentPDF
01.01.2014 11.11.2015 documentPDF
Terms and Conditions of Swedbank Gateway Service 26.10.2022 Effective now documentPDF
26.11.2020 25.10.2022 documentPDF
04.04.2019 25.11.2020 documentPDF
17.07.2017 03.04.2019 documentPDF
Information about automatic chat and personal data processing 25.04.2019 Effective now documentPDF

Loans and leasing

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

Pensions

Effective from Effective to
Terms of Individual Participation Agreement 08.12.2022 Effective now documentPDF
25.03.2022 07.12.2022 documentPDF
08.11.2021 24.03.2022 documentPDF
23.07.2020 07.11.2021 documentPDF
25.05.2018 22.07.2020 documentPDF
Terms of Collective Participating Contract 25.05.2018 Effective now documentPDF
Terms of Orders for Automatic Investments in Pension Plan 26.10.2023 Effective now documentPDF
23.07.2020 25.10.2023 documentPDF
21.09.2015 22.07.2020 documentPDF
Terms of Order on Contribution to Pension Plan 26.10.2023 Effective now documentPDF

Savings and investments

Effective from Effective to
Terms of Easy Saver Agreement 07.05.2020 Effective now documentPDF
Terms of Deposit Agreement for Private Persons 22.04.2021 Effective now documentPDF
21.05.2020 21.04.2021 documentPDF
25.05.2018 20.05.2020 documentPDF
01.09.2016 24.05.2018 documentPDF
03.03.2014 31.08.2016 documentPDF
Terms of Deposit Agreement for Corporate customers 21.05.2020 Effective now documentPDF
25.05.2018 20.05.2020 documentPDF
01.09.2016 24.05.2018 documentPDF
03.03.2014 31.08.2016 documentPDF
Terms of the Overnight Deposit Agreement 15.06.2023 Effective now documentPDF
Terms of Agreement for Financial Market Transactions 29.04.2024 - Effective now documentPDF
17.01.2023 Effective now 28.04.2024 documentPDF
09.06.2021 16.01.2023 documentPDF
15.07.2020 08.06.2021 documentPDF
02.01.2020 14.07.2020 documentPDF
24.06.2019 01.01.2020 documentPDF
25.05.2018 23.06.2019 documentPDF
01.02.2018 24.05.2018 documentPDF
16.07.2016 31.01.2018 documentPDF
01.11.2015 15.07.2016 documentPDF
01.01.2015 30.10.2015 documentPDF
Terms of the agreement on use of the Traderoom system 17.01.2023 Effective now documentPDF
08.04.2021 16.01.2023 documentPDF
02.01.2020 07.04.2021 documentPDF
24.06.2019 01.01.2020 documentPDF
01.02.2018 23.06.2019 documentPDF
01.01.2016 31.01.2018 documentPDF
Terms of Savings Account Agreement 25.05.2018 Effective now documentPDF
Terms of Orders for Automatic Investments in Investment fund for private customers 18.06.2020 Effective now documentPDF
21.09.2015 17.06.2020 documentPDF
Automatic fund investments order for business clients 23.07.2020 Effective now documentPDF
17.03.2009 22.07.2020 documentPDF

Insurance

Effective from Effective to
Travel insurance for private credit card holders IPID 01.02.2019 Effective now documentPDF
25.05.2018 31.01.2019 documentPDF
Travel insurance for business credit card holders 22.02.2024 Effective now documentPDF
10.03.2022 21.02.2024 documentPDF
06.05.2021 09.03.2022 documentPDF
09.06.2016 05.05.2021 documentPDF
Terms and Conditions of Travel Insurance for Gold credit card 22.02.2024 Effective now documentPDF
10.03.2022 21.02.2024 documentPDF
06.05.2021 09.03.2022 documentPDF
01.02.2019 05.05.2021 documentPDF
24.05.2018 31.01.2019 documentPDF
01.09.2015 23.05.2018 documentPDF
Terms and Conditions of Travel Insurance for Platinum credit 22.02.2024 Effective now documentPDF
10.03.2022 21.02.2024 documentPDF
06.05.2021 09.03.2022 documentPDF
25.05.2018 05.05.2021 documentPDF
01.09.2015 24.05.2018 documentPDF
Purchase Insurance for Swedbank Credit Card Holder IPID documentPDF
Purchase Insurance Terms and Conditions for Swedbank Credit Card Holder 25.05.2018 Effective now documentPDF
11.05.2017 24.05.2018 documentPDF
01.09.2016 11.05.2017 documentPDF
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 22.02.2024 Effective now document PDF
07.02.2018 21.02.2024 document PDF
Travel insurance 22.02.2024 Effective now 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 documentPDF
03.12.2014 16.05.2018 documentPDF
Family Support Insurance Trauma supplementary insurance 08.09.2014 09.09.2020 documentPDF
Life Insurance/Life insurance to cover loan 01.01.2024 Effective now documentPDF
12.01.2023 31.12.2023 documentPDF
10.09.2020 11.01.2023 documentPDF
Life Insurance 17.05.2018 09.09.2020 documentPDF
19.12.2012 16.05.2018 documentPDF
"Life insurance/Life insurance to cover loan" Disability supplementary insurance 10.09.2020 Effective now documentPDF
"Life insurance/ Life insurance to cover loan" Trauma supplementary insurance 10.09.2020 Effective now documentPDF
Life Insurance Terms and Conditions of Supplementary Insurance 19.12.2012 09.09.2020 documentPDF
Life insurance to cover loan 17.05.2018 09.09.2020 documentPDF
19.12.2012 16.05.2018 documentPDF
Life insurance to cover loan Terms and conditions of disability supplementary insurance 19.12.2012 09.09.2020 documentPDF
Credit Card Liabilities Insurance IPID 08.12.2022 Effective now document PDF
07.02.2018 07.12.2022 document PDF
Credit Card Liabilities Insurance 08.12.2022 Effective now 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 documentPDF
25.05.2018. 07.12.2022. documentPDF
Insurance against borrower's unemployment and incapacity for work 08.12.2022 Effective now documentPDF
25.05.2018. 07.12.2022. documentPDF
18.04.2013. 24.05.2018. documentPDF
MTPL Standard agreement IPID 07.02.2018 Effective now document PDF
MTPL Green card IPID documentPDF
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 Effective now document PDF
16.05.2018 20.10.2021 document PDF

Other

Effective from Effective to
Safety deposit boxes 25.05.2018 Effective now documentPDF
08.04.2013 24.05.2018 documentPDF

Customer programmes

Effective from Effective to
Gold Service Program Description 01.12.2023 Effective now documentPDF
01.10.2021 30.11.2023 documentPDF
01.05.2021 30.09.2021 documentPDF
25.05.2018 30.04.2021 documentPDF
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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.

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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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  • 20% discount for home insurance
  • Only until 5 May

Buy home insurance at a 20% discount

Special offer until 5 May.

  • We will fully renovate your home
  • Your belongings will be insured at home and anywhere else in Latvia
  • We will reimburse for losses caused to neighbours or other persons