Pricelist

• Current account

  Current account

  Service		Price, EUR
  Receiving
  Account opening		Free of charge	Incl. self-employed
  Opening an additional account	Easier via Internet Banking	Free of charge
  The first verification of documents for customers who hold a personal ID issued outside the EU, the EEA or Switzerland and do not hold a permanent residence permit issued in Latvia.		200.00 * The fee is charged before the first current account is opened and is non-refundable if the bank refuses to start cooperation.	Documents are inspected within 5 business days. EEA - (European Economic Area) countries - Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France (French Guiana, Guadeloupe, Martinique, Réunion), Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Croatia.
  Setting up Swedbank's power of attorney	Only in branches	Free of charge
  Using
  Account maintenance		Free of charge
  Maintaining an inactive account		1.00 per month	The fee will be withheld from accounts in which no bank operations have been carried out during the year (with the exception of bank commissions withheld).
  Other services
  Inheritance document processing within 5 business days		12.00, incl. VAT	Document inspection fee
  Serving with power of attorney issued by Swedbank	Only in branches	Free of charge
  Serving based on a power of attorney certified by a Latvian notary or the Orphan’s Court	Only in branches	12.00, incl. VAT Power of attorney verification fee applicable for each verification	Power of attorney inspection fee. The service will be provided within 2 business days.
  Serving based on a power of attorney certified by a foreign notary	Only in branches	12.00-45.00, incl. VAT 45.00, incl. VAT - first check 12.00, incl. VAT - every following check	Power of attorney inspection fee. The service will be provided within 2 business days.
  Closing
  Closing an account	Easier via Internet Banking	Free of charge	Closure of an additional account can be requested by sending a message on the Internet Banking site or over the phone by calling 67 444 444. To close your only and last account, please visit a branch.
  Fee for handling of funds remaining in an account for a customer with whom the bank has terminated business relationship		50.00	The fee is charged once from the total balance of funds that the customer has not transferred to other credit institution within the specified timeframe.

  The Bank does not calculate and pay interest on account balances to the Client.

  Effective from 01.10.2021.

• Securities account
  • Fee for the tax reclaim or voting service will be debited from the Client’s cash account linked to the securities account within 15 days after the tax reclaim documents or voting documents were submitted. External costs debiting may also happen in later months depending when the Bank is invoiced by its counterparty. The fee will not be refunded in case the application is rejected by third parties.
  • Maintenance fee of an owner account is charged in addition to monthly securities safekeeping fee. Owner account is an account in the name of the Client opened at Nasdaq CSD SE and used only on behalf of the specific Client.
  • Owner account at Nasdaq CSD SE may be opened only at the branch office.

  • Safekeeping fee is calculated based on the value of the portfolio on the last date of the calendar month. Securities are priced according to the 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 cash 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 fees.

  Securities account

  Further information on securities accounts and transactions and 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 Cash Account without Client consent.

  Effective from 01.04.2023

  Service	Price, EUR
  Receiving
  Account opening	0,00-4,50 Via Internet Banking - Free of charge At branches - 4.50
  Account statements
  Statement of holdings	0,00-7,00 Via Internet Banking - Free of charge At branches – 7.00
  Statement of transaction	0,00-7,00 Via Internet Banking - Free of charge At branches – 7.00
  Monthly Securities Safekeeping Fees options Safekeeping fee is calculated based on the value of the portfolio on the last date of the calendar month. Securities are priced according to the 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 cash account linked to the securities account. If Client only holds securities of Estonian, Latvian or Lithuanian companies under liquidation or bankruptcy proceedings according to the Nasdaq CSD SE data, no safekeeping fee is charged. 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 fees.
  Swedbank Group funds	Free of charge
  Baltic securities	Free of charge
  Other investment funds, equities and bonds*
  - Up to 100 000 EUR**	Free of charge
  - From the value above 100 000 EUR**	0.008%
  * Securities registered in Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Hungary, Ireland, Italy, Netherlands, Norway, Poland, Portugal, Russia, Spain, Sweden, Switzerland, UK, USA and Depositary Receipts (ADR, GDR), Eurobonds. ** Swedbank Group Funds and Baltic securities are excluded from the calculation of the portfolio value for safekeeping fee calculation.
  Other countries	Subject to agreement
  Other services options Tax relief at source / tax reclaim and general meeting services are subject to availability on each specific market. Maintenance fee of an owner account is charged in addition to monthly securities safekeeping fee. Owner account is an account in the name of the Client opened at Nasdaq CSD SE and used only on behalf of the specific Client. Owner account at Nasdaq CSD SE may be opened only at the branch office.
  Owner securities account opening at Nasdaq CSD SE	50.00
  Owner securities account monthly account maintenance	50.00
  Participation in general shareholder meeting	120 EUR + external costs + VAT The service fee is subject to 21% VAT. The general meeting service is subject to availability on each specific market.
  Processing of electronic voting instructions at general meeting	50 EUR + external costs + VAT The service fee is subject to 21% VAT. The general meeting service is subject to availability on each specific market.
  Other corporate action	Subject to agreement We set the fee for other corporate actions as „Subject to agreement“ as the range and technical nuances vary.
  Tax reclaim	60 EUR + external costs + VAT The service fee is subject to 21% VAT. The tax reclaim service is subject to availability on each specific market.
  Tax relief at source	Free of charge The tax relief at source service is subject to availability on each specific market.
  Mandatory corporate actions	Free of charge
  Closing
  All securities account types	Free of charge
  Transactions with securities	See Securities and Other Exchange-traded financial instruments
  Transactions with investment fund units	See Investment Funds

  Effective from 01.04.2023.

• Escrow Account

  Escrow Account

  Service		Price, EUR
  Receiving
  Account opening	Easier via Internet Banking		Account opening, including agreement preparation.
  - With standard terms of agreement		Min. 100 Standard turnaround - 0,4% of the amount, min. 100,00 On urgent basis - 0,6% of the amount, min. 200,00
  - With non-standard terms of agreement		Agreed on case-by-case basis, min. 200,00 Standard turnaround - min. 200,00 On urgent basis - min. 500,00
  - When granting a mortgage loan		0.4% of the amount (min. 50.00, max. 200.00)	Account opening with granting a mortgage loan at Swedbank.
  Setting up account additionally in foreign language		Agreed on case-by-case basis, min. 100,00 On standard terms of agreement - 100,00 On non-standard terms of agreement - agreed on case-by-case basis, min. 100,00	In English or Russian.
  Verification of documents issued outside Latvia (ID, passport, business supporting documents, etc.)		200,00 The fee is collected in advance and may be increased in some cases
  Serving with a power of attorney issued by other institutions		See Current account
  Using
  Account handling		0.00 - 150.00 On standard basis - 0.00 On urgent basis - 150.00	Handling includes document inspection and payment execution on standard basis - within 3 business days; on urgent basis - within 24 hours (for payments in foreign currencies and/or other bank outside EEA countries; see Payments)
  Changes
  - In standard terms of agreement		50.00	Fee charged for each instance of making changes.
  - In non-standard terms of agreement		As agreed in each case Min. 70.00	Fee charged for each instance of making changes.
  Provision of information		Free of charge	Information about the escrow account status and transactions.
  Closing
  Account closure		Free of charge

  Effective from 01.03.2017

• Payments in EUR

  Payments in EUR

  Service	Payment submission type and time	Price, EUR
  		via Internet Banking	via Branch/Telephone Banking
  		Shared
  Intra-bank payments
  To own or other person's account at Swedbank Latvia	Immediately	Free of charge	5.00
  European payments*
  To other bank in Latvia (incl. instant payments) or to the European payments area countries	Economy Delivery of funds to beneficiary bank or intermediary bank on the same business day as when the Bank accepts the customer’s order. 16:00	0.36 Free of charge for account holders of up to 22 years of age.	5.00
  	Express Delivery of funds to beneficiary bank or intermediary bank on the same business day, within an hour after the Bank accepts the customer’s order. 16:00	15.00	20.00
  To an account at Swedbank Group Payments to Estonia, Lithuania, Sweden, Finland, Norway.	Economy Delivery of funds to beneficiary bank or intermediary bank on the same business day as when the Bank accepts the customer’s order. 17:30	0.36 Free of charge for account holders of up to 22 years of age.	5.00
  International payments
  To other bank outside the European payments area countries (and European payments if beneficiary’s IBAN is not specified)		Shared/Payer	Shared/Payer
  	Economy Delivery of funds to beneficiary bank or intermediary bank 2 business days after the Bank accepts the customer’s order. Unrestricted	12.00 / 23.00	15.00 / 27.00
  	Standard Delivery of funds to beneficiary bank or intermediary bank the next business day after the Bank accepts the customer’s order. 16:00	15.00 / 27.00	20.00 / 30.00
  	Express Delivery of funds to beneficiary bank or intermediary bank on the same business day as when the Bank accepts the customer’s order. 14:00	22.00 / 43.00	30.00 / 50.00

  Swedbank does not process International payments to some high-risk countries. More information here.

  Time of submitting payment - the latest when the specific type of payment may be submitted. If no time of submitting is indicated, the payment may be submitted as long as the branch is open or at any time in the remote banking channels.

  Shared - the price includes only Swedbank's fees; any other payment-related charges (by correspondent bank, beneficiary bank) are covered by the beneficiary. The Bank will remit the payment to the correspondent bank or the beneficiary bank with a note "SHA" in the corresponding S.W.I.F.T. message field "Details of charges". The payment will be credited to the beneficiary’s account by the beneficiary bank after deduction of all charges, if any, from the payment amount.

  Payer - the payer undertakes to cover all costs associated with the payment, including any extra fees charged by the banks involved in execution of the payment. The Bank is entitled to debit them from the Customer’s Account without any additional approval by the Customer. The Bank assumes no responsibility for non-compliance, by any of the banks involved (correspondent bank or beneficiary bank), with the Bank’s instructions or for not receiving the full amount of the payment due to other reasons beyond the control of the Bank.

  * European payments or SEPA (Single Euro Payments Area) - euro payments to a European bank (bank, that is located in EU member states and in the United Kingdom, Andorra, Gibraltar, Iceland, Liechtenstein, San Marino, Monaco, Norway, Switzerland and Vatican (Holy See)).

  Effective from 01.09.2022

  Effective from 01.09.2023

• Payments in Foreign Currency

  Payments in Foreign Currency

  • To own or other person's account at Swedbank Latvia
  • To other bank in Latvia or to the European payments* area countries
  • To other bank outside the European payments* area countries
  • To an account at Swedbank Group

  Service	Payment execution mode	Price, EUR
  		via Internet Banking	via Branch/Telephone Banking
  To own or other person's account at Swedbank Latvia
  All foreign currencies	Immediate	Free of charge	5.00

  Effective from 01.09.2022.

  The permitted fee type is “Shared” or “SHA”, except to the United Kingdom or Switzerland where the permitted fee type is “Shared/Payer” or “SHA/OUR”. The fee in case of “Payer” or “OUR” is specified in the Price List in the section “Payments in Foreign Currency” > “To other bank outside the European payments area countries”.

  Service	Currency	Payment submission time	Price, EUR
  			via Internet Banking	via Branch/Telephone Banking
  			Shared
  To other bank in Latvia or to the European payments* area countries
  Economy Delivery of funds to beneficiary bank or intermediary bank 2 business days after the bank has accepted the customer’s order.	All foreign currencies	Unrestricted (AED, ILS, INR, BGN till 14:00)	12.00	15.00
  Standard Delivery of funds to beneficiary bank or intermediary bank the next business day after the bank has accepted the customer’s order.	USD	16:00	15.00	20.00
  	GBP, SEK, AUD, CHF, HKD, JPY, MXN, NZD, SGD, THB, TRY, ZAR, CZK, DKK, HUF, NOK, PLN, RON	14:00
  	CAD	15:00
  Express Delivery of funds to beneficiary bank or intermediary bank on the same business day as when the bank has accepted the customer’s order.	USD	15:00	22.00	30.00
  	GBP, SEK	12:30

  Time of submitting payment - the latest when the specific type of payment may be submitted. If no time of submitting is indicated, the payment may be submitted as long as the branch is open or at any time in the remote banking channels.

  Shared - the price includes only Swedbank's fees; any other payment-related charges (by correspondent bank, beneficiary bank) are covered by the beneficiary. The Bank will remit the payment to the correspondent bank or the beneficiary bank with a note "SHA" in the corresponding S.W.I.F.T. message field "Details of charges". The payment will be credited to the beneficiary’s account by the beneficiary bank after deduction of all charges, if any, from the payment amount.

  * European payments or SEPA (Single Euro Payments Area) - euro payments to a European bank (bank, that is located in EU member states and in United Kingdom, Andorra, Gibraltar, Iceland, Liechtenstein, San Marino, Monaco, Norway, Switzerland and Vatican (Holy See)).

  Effective from 21.03.2022.

  Service	Currency	Payment submission time	Price, EUR
  			via Internet Banking	via Branch/Telephone Banking
  			Shared/Payer	Shared/Payer
  To other bank outside the European payments* area countries
  Economy Delivery of funds to beneficiary bank or intermediary bank 2 business days after the bank has accepted the customer’s order.	All foreign currencies	Unrestricted (AED, ILS, INR, BGN till 14:00)	12.00 / 23.00	15.00 / 27.00
  Standard Delivery of funds to beneficiary bank or intermediary bank the next business day after the bank has accepted the customer’s order.	USD	16:00	15.00 / 27.00	20.00 / 30.00
  	GBP, SEK, AUD, CHF, HKD, JPY, MXN, NZD, SGD, THB, TRY, ZAR, CZK, DKK, HUF, NOK, PLN, RON	14:00
  	CAD	15:00
  Express Delivery of funds to beneficiary bank or intermediary bank on the same business day as when the bank has accepted the customer’s order.	USD	15:00	22.00 / 43.00	30.00 / 50.00
  	GBP, SEK	12:30

  Swedbank does not process International payments to some high-risk countries. More information here.

  Time of submitting payment - the latest when the specific type of payment may be submitted. If no time of submitting is indicated, the payment may be submitted as long as the branch is open or at any time in the remote banking channels.

  Shared - the price includes only Swedbank's fees; any other payment-related charges (by correspondent bank, beneficiary bank) are covered by the beneficiary. The Bank will remit the payment to the correspondent bank or the beneficiary bank with a note "SHA" in the corresponding S.W.I.F.T. message field "Details of charges". The payment will be credited to the beneficiary’s account by the beneficiary bank after deduction of all charges, if any, from the payment amount.

  Payer - the payer undertakes to cover all costs associated with the payment, including any extra fees charged by the banks involved in execution of the payment. The Bank is entitled to debit them from the Customer’s Account without any additional approval by the Customer. The Bank assumes no responsibility for non-compliance, by any of the banks involved (correspondent bank or beneficiary bank), with the Bank’s instructions or for not receiving the full amount of the payment due to other reasons beyond the control of the Bank.

  * European payments or SEPA (Single Euro Payments Area) - euro payments to a European bank (bank, that is located in EU member states and in the United Kingdom, Andorra, Gibraltar, Iceland, Liechtenstein, San Marino, Monaco, Norway, Switzerland and Vatican (Holy See)).

  Effective from 21.03.2022

  Effective from 01.09.2023

  Swedbank Group payment price applicable if SWIFT codes specified correctly in the payment order, e.g. HABAEE2X, HABALT22, SWEDSESS, SWEDFIHH, SWEDNOKK. Allowed commission type "Shared" or "SHA".

  Service	Currency	Payment submission type and time	Price, EUR
  			via Internet Banking	via Branch/Telephone Banking
  To an account at Swedbank Group
  Payments to Estonia, Lithuania, Sweden, Finland, Norway	USD, SEK	Economy The funds will be delivered to the beneficiary bank on the same business day, as from the moment when the bank has accepted the customer's order. 16:00	2.00	5.00
  	DKK, NOK, GBP Only to Estonia or Lithuania	Economy The funds will be delivered to the beneficiary bank on the same business day, as from the moment when the bank has accepted the customer's order. 15:00
  	All foreign currencies	Economy Delivery of funds to the beneficiary bank or intermediary bank after 2 business days. Unrestricted (AED, INR, ILS, BGN until 14:00)

  Time of submitting payment - the latest when the specific type of payment may be submitted. If no time of submitting is indicated, the payment may be submitted as long as the branch is open or at any time in the remote banking channels.

  Shared - the price includes only Swedbank's fees; any other payment-related charges (by correspondent bank, beneficiary bank) are covered by the beneficiary. The Bank will remit the payment to the correspondent bank or the beneficiary bank with a note "SHA" in the corresponding S.W.I.F.T. message field "Details of charges". The payment will be credited to the beneficiary’s account by the beneficiary bank after deduction of all charges, if any, from the payment amount.

  Effective from 11.01.2022.

• Standing orders and E-invoices

  Standing orders and E-invoices

  Service		Price, EUR
  Standing orders
  Registration, amendment of standing order agreement	Best value via Internet Banking	0.00 - 5.00, incl. VAT Via Internet Banking - 0.00 Via Branch/Telephone Banking - 5.00, incl. VAT
  Standing order automated payment		See Payments Payment fee according to current pricelist for payments to own or other person's Swedbank account, to other banks in Latvia and abroad.
  Early termination of standing orders		Free of charge
  E-invoices
  Registration, amendment of e-invoice receipt application or automated payment agreement	Easier via Internet Banking	0.00 - 5.00, incl. VAT Via Internet Banking - 0.00 Via Branch/Telephone Banking - 5.00, incl. VAT	If both actions - signing up for receipt of e-invoice and signing agreement for automated payment of e-invoices - are performed at branch, then only one fee will be charged.
  E-invoice receipt	Easier via Internet Banking	Free of charge	List of companies, offering e-invoices.
  E-invoice payment		0.00 - 0.36 To account with Swedbank - 0.00 To another bank in Latvia - 0.36
  Termination of e-invoice automated payment agreement, discontinuation of e-invoice	Easier via Internet Banking	Free of charge

  Effective from 01.09.2022.

• Other Payment Services

  Other Payment Services

  Service	Price, EUR
  Investigation or correction of a payment (sent, received or non-received)
  In case of error by Swedbank	Free of charge
  If the beneficiary's account is with Swedbank or other commercial bank in Latvia or Swedbank Group	10.00 + actual costs
  Investigation or correction of foreign payments	35.00 + actual costs
  Payment revocation
  In case of error by Swedbank	Free of charge
  If the beneficiary's account is with Swedbank or other commercial bank in Latvia or Swedbank Group	17.00 + actual costs
  If the beneficiary's account is outside Latvia	55.00 + actual costs
  Incoming currency payment's crediting into account/processing in currency
  From other account at Swedbank or other bank in Latvia, EU regulated payments	Free of charge
  Crediting of incoming currency* payments to account in a currency from abroad and if the fee is to be covered by the beneficiary or on a shared basis *incl. International payments in EUR currency	3.00
  Payments from abroad with the instruction that the fee is payable by the payer	Free of charge
  Other services
  Additional processing (verification, confirmation or cancellation) of payments made via Internet Banking, according to the Remote Banking Services Agreement	7.00
  Currency exchange in current account	0.00 - 3.00 Via Internet Banking - 0,00 Via Telephone Banking - 3,00 At branches – 3,00	Easier Internet Banking
  Accepting an enforcement officer's and State Revenue Service's orders for execution	10.00 According to enforcement officer's order and State Revenue Service's collection order pursuant to statutory procedure (per each instance) and currency exchange into EUR (in case there are no funds in EUR in the account), the fee for transfers is charged according to the price list Payments.
  State Revenue Service/enforcement officer payment processing	0.36

  Investigation or revocation of a remitted or non-received payment - payment for the service does not guarantee the return of funds to customer’s account. Refunding of an executed payment is possible with the beneficiary’s consent only. If investigation shows that Swedbank has made an error, the charge will be refunded to the customer. Actual costs means the fees that a correspondent and/or beneficiary bank may charge independently from Swedbank for investigation or correction of a payment order.

  Effective from 01.10.2021.

• Price list for customers who joined the Senior service program before 01.09.2016.

  Price list for customers who joined the Senior service program before 01.09.2016.

  Product/service		Price, EUR
  Payments in Latvia
  To own account at Swedbank in EUR		0.00 - 3.00 Via Internet Banking - 0.00 Via Telephone Banking - 0.00 At branch - 3.00
  To other person's account at Swedbank in EUR		0.00 - 3.00 Via Internet Banking - 0.00 Via Telephone Banking - 0.71 At branch - 3.00
  To own account or other person's account at Swedbank in foreign currencies		0.00 - 3.00 Via Internet Banking - 0.00 Via Telephone Banking - 0.71 At branch - 3.00
  To another bank in Latvia, EUR		0.36 - 3.00 Via Internet Banking - 0.36 Via Telephone Banking - 1.07 At branch - 3.00

  Effective from 15.10.2017.

• Cash transactions in branches

  Cash transactions in branches

  Service	Price, EUR
  Ordering cash of 6000 EUR or more	50 % of the cash withdrawal fee	When cash is ordered in advance, 50 % of the cash withdrawal fee is charged at the time of ordering. The rest of the fee is charged upon collecting the order. If the order is not collected, the fee already charged will be not be refunded. Withdrawal of amounts from 6000 EUR (including) at branch must be ordered two working days in advance by 13:00. Users of remote services can order cash by phone on 67 444 444 or in their Swedbank Internet Banking user account.
  EUR coin processing when performing cash deposit or withdrawal transactions	3.00 per every 20 items, min. 3.00	Only EUR coins are accepted and paid out. The coin processing fee is charged in addition to any fee for money deposit or withdrawal. The bank does not accept coins that are scratched, mechanically damaged or changed their original appearance.
  Money deposit
  To own Swedbank account		Also for cash deposits into accounts of Swedbank or Swedbank Group affiliates to cover company’s contractual obligations related to these companies or commissions for used services.
  - Up to 9.99 EUR	Free of charge 1x a month
  - Above 9.99 EUR	0.5% of the amount (min. 10.00)
  Money withdrawal
  1. Withdrawal of amounts from 6000 EUR (including) at branch must be ordered two working days in advance by 13:00 o’clock. Withdrawal must be ordered in advance in person at a branch, or users of remote services can order by phone on 67 444 444 and in their Swedbank Internet Banking user account. 2. When ordering cash from 6000 EUR (including), 50% of the cash withdrawal fee is charged at the time of ordering. The rest of the fee is charged upon collecting the order. If the order is not collected, the fee already charged will be not be refunded.
  From account at Swedbank
  - Up to 9.99 EUR	Free of charge 1x a month
  - Above 9.99 EUR	1% of the amount, min. 10,00	Withdrawal of amounts from 6000 EUR (including) at branch must be ordered two working days in advance by 13:00. Users of remote services can order cash by phone on 67 444 444 or in their Swedbank Internet Banking user account. When cash is ordered in advance, 50% of the cash withdrawal fee is charged at the time of ordering. The rest of the fee is charged upon collecting the order. If the order is not collected, the fee already charged will be not be refunded.
  Cash withdrawal from a blocked account	15.00
  Cash deposit and withdrawal transactions

  For branches that handle cash, see the list

  Cash transactions over EUR 15,000 can be performed at the branch “Ķīpsala”, Liepāja, Valmiera or Daugavpils branch.

  Bank does not accept or replace EUR banknotes with indiscernible security elements and nominal value (e.g. burnt, stained with oil, coloured, damaged in washing machine or otherwise, as a result of which the banknote is discoloured).

  Effective from 01.09.2022.

• Cash operations in ATM and traders

  Cash operations in ATM and traders

  	Debit card EUR
  In ATMs
  Cash withdrawal in ATMs of Swedbank and cooperation partners		In Swedbank Group ATMs in Latvia, Lithuania, Estonia, as well as in the ATMs of SEB Banka in Latvia. Cash withdrawals from SEB Banka ATMs are debited from the account within 2 business days. Contactless transactions at Swedbank ATMs with a physical card are debited from the account immediately. Contactless transactions with Google Pay, Apple Pay, Garmin Pay or other e-wallets are debited from the account within 1–2 business days.
  - up to 750 EUR a month	Free of charge
  - above EUR 750 a month	0.5% of the amount
  Cash withdrawal in other banks’ ATMs and in other banks	2.00 + 3% of the amount	When using ATMs of other banks, fees may apply in accordance with their price list. Cash withdrawals from ATMs of other banks are debited from the account within 2 business days. Contactless transactions at Swedbank ATMs with a physical card are debited from the account immediately. Contactless transactions with Google Pay, Apple Pay, Garmin Pay or other e-wallets are debited from the account within 1–2 business days.
  Depositing cash in Swedbank's cash deposit machines	Free of charge
  Limits
  Cash withdrawal in ATMs	Limited to 7500 EUR a month	The limit applies to all cards linked to the customer’s accounts in the aggregate. The cash withdrawal limit can be raised to 15,000 EUR a month by contacting the bank over the phone or in person at any branch of the bank.
  Depositing cash in Swedbank's cash deposit machines	Limited to 5000 EUR a month	The limit applies to all cards linked to the customer’s accounts in the aggregate.
  In retail outlets
  Cashback with a purchase	Free of charge	More information about shops in Latvia where the cash withdrawal service is available.

  Effective from 01.01.2022

  	Swedbank Credit Card VISA Platinum Credit Card Fixed Payment Credit Card	Gold Revolving Credit Card	Platinum Credit Card (Mastercard)
  In ATMs
  Cash withdrawal at Swedbank ATMs and any ATM network worldwide	2 + 3% of the amount	Up to 500 EUR a month free of charge, over 500 EUR 3% of the amount	Up to 1000 EUR a month free of charge, over 1000 EUR 3% of the amount	In case of using the ATMs of other banks, the operator of the respective ATM network may charge an ATM service fee according to the price list. If cash is withdrawn in the ATMs of other banks, the amount of that transaction will be debited from the account within 2 business days.
  Depositing cash in Swedbank's cash deposit machines	Free of charge (limited to 5000 EUR a month)	Free of charge (limited to 5000 EUR a month)	Free of charge (limited to 5000 EUR a month)	The limit applies to all cards linked to the customer’s accounts in the aggregate.
  In retail outlets
  Cashback with a purchase	Free of charge	Free of charge	Free of charge	More information about shops in Latvia where the cash withdrawal service is available.
  Limits
  Cash withdrawal in ATMs	7500 EUR a month	7500 EUR a month	7500 EUR a month	The cash withdrawal limit can be raised to 15,000 EUR a month by contacting the bank over the phone or in person at any branch of the bank.

  Effective from 01.01.2022

• Swedbank Payment Card

  Swedbank Payment Card

  Service		Price, EUR
  Receiving
  Ordering the card	Faster and best value via Internet Banking!	0.00 - 4.00 Via Internet Banking - 0.00 Via Telephone Banking - 4.00 At branches - 4.00 For account holders of up to 22 years of age – a 50% discount. Account holders who’ve been added to the Senior customer service programme by 01.09.2022 receive a 50% discount. Ordering a card when opening the first account - free of charge. Ordering a card at branch based on power of attorney/ordering a card for other user - free of charge. Ordering a card via Telephone Banking at the moment of blocking the previous card (if the card is lost or stolen but not in cases when incorrect PIN is entered or the card plastic is damaged) - free of charge.	The card delivery method can be selected via Internet Banking.
  Production and delivery of the card	Faster and easier by post	2.00-4.00 By post - 2.00 At branches - 4.00 For account holders of up to 22 years of age – a 50% discount. Account holders who’ve been added to the Senior customer service programme by 01.09.2022 receive a 50% discount.	The fee is debited automatically after activation of the card. The fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or after activation of the card.
  Accelerated production and delivery of card options		35.00	Accelerated production and delivery of cards can be ordered at a branch or by calling us on 67 444 444. The card can be collected at our branches or at a delivery address specified by the customer to the bank.
  Card linked to blocked account		15.00	When ordering a Swedbank payment card in case of a blocked account, the monthly card fee and the production and delivery fee are 0 EUR. If the account is unblocked, the monthly card fee starts to be charged after 2 months according to the price list. In case of a blocked account, other types of cards cannot be ordered.
  Using
  Monthly fee		1.70 For account holders of up to 22 years of age – a 50% discount. Account holders who’ve been added to the Senior customer service programme by 01.09.2022 receive a 50% discount.	The card’s monthly fee is debited automatically from the customer’s account at the start of each month for each month when the card has been in customer’s use.
  Purchases in Latvia and abroad		Free of charge
  Currency exchange mark-up		2%	The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
  Balance in ATMs
  - In Swedbank ATMs in Latvia	Easy via mobile app	Free of charge
  - In ATMs of other banks		0.40
  Printout of last 5 transactions in Swedbank ATMs in Latvia		0.20
  Cash transactions		See Cash transactions in ATMs and retail outlets
  Emergency cash assistance in Western Union service points		42.00	The service is available in cases when the card is lost or blocked.
  Claim processing		Free of charge	If processing of the claim involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
  Closing
  Closing the card	Faster and easier via Internet Banking and the mobile app	Free of charge	Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

  Effective from 01.09.2022.

• Swedbank ISIC Card

  Swedbank ISIC Card

  Service		Price, EUR
  Receiving
  Ordering the card	Easier Internet Banking	Free of charge	The card delivery method can be selected via Internet Banking.
  Production and delivery of the card	Faster and easier by post	Free of charge	If the card is ordered remotely, it can be received only at a branch.The way of receiving the card can be changed via Internet Banking.
  Accelerated card production		No available
  Using
  Monthly fee		0.25 EUR - 0.55 EUR Schoolchild - 0.25 Students - 0.55 (previously 2.85 EUR - 6.50 EUR yearly)	The card’s monthly fee is debited automatically from the customer’s account at the start of each month for each month when the card has been in customer’s use.
  Purchases in Latvia and abroad		Free of charge
  Currency exchange mark-up		2%	The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
  Balance in ATMs
  - In Swedbank ATMs in Latvia	Easy via mobile app	Free of charge
  - In ATMs of other banks		0.40
  Printout of last 5 transactions in Swedbank ATMs in Latvia		0.20
  Cash transactions		See Cash transactions in ATMs and retail outlets
  Emergency cash assistance in Western Union service points		42.00	The service is available if the card is lost or blocked.
  Claim processing		Free of charge	If processing of the claim involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
  Closing
  Closing the card	Easier Internet Banking and the mobile app	Free of charge	Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

  Effective from 01.07.2018.

• Swedbank Credit Card

  Swedbank Credit Card

  Service		Price, EUR
  Receiving
  Ordering the card	Easier via Internet Banking	Free of charge	The card delivery method can be selected via Internet Banking.
  Card production and delivery	Best value by post	2.00-4.00 By post in Latvia - 2.00 At branches - 4.00	The fee is debited automatically after activation of the card. The fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or after activation of the card.
  Accelerated production and delivery of card options		35.00	Accelerated production and delivery of cards can be ordered at a branch or by calling us on 67 444 444. The card can be collected at our branches or at a delivery address specified by the customer to the bank after the decision is made if the credit limit for the credit card has not yet been approved. Part of this fee (a minimum of 20 EUR) is transferred by the bank to third parties for the card delivery service.
  Using
  Monthly fee		1.70	The fee is debited from the account linked to the credit card on the monthly payment date set in the agreement. The fee is debited automatically for each month when the card has been in customer’s use. From 01.09.2022, the credit card’s monthly fee ‒ 1.70 EUR.
  Purchases in Latvia and abroad		Free of charge
  Currency exchange mark-up		2%	The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
  A transfer from the credit card account		See Payments	Fees for transfers from the credit card account are identical to those for payments from the current account.
  Cash transactions		See Cash transactions in ATMs and retail outlets
  Purchase Insurance		Free of charge	More about Purchase Insurance.
  Interest-free period		Until end of the current month	The interest-free period applies to card purchases only. The interest-free period does not apply to cash withdrawals and transfers.
  Interest rate per annum on amount outstanding		From 20%	The interest rate is set individually and depends on the customer’s credit history, amount of loan obligations, and transfers of regular income to their account with Swedbank.
  Exceeding the credit limit and using the credit limit not repaid on time		0.167% of the exceeded amount per day
  Early partial repayment of credit	Easier via Internet Banking	Free of charge
  Changes in the credit card agreement		Free of charge
  Balance in ATMs
  In Swedbank ATMs in Latvia		Free of charge
  - In ATMs of other banks		0.40
  Printout of last 5 transactions in Swedbank ATMs in Latvia		0.20
  Emergency cash assistance in Western Union service points		42.00	In cases of loss or blocking of the card.
  Claim processing		Free of charge	Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.
  Closing
  Closing the card	Easier Internet Banking and the mobile app	Free of charge	Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

  Effective from 01.09.2022.

• Gold Revolving Credit Card

  Gold Revolving Credit Card

  Service		Price, EUR
  Receiving
  Ordering the card	Easier via Internet Banking	Free of charge	The card delivery method can be selected via Internet Banking.
  Card production and delivery	Best value by post	2.00-4.00 By post in Latvia - 2.00 At branches - 4.00	The fee is debited automatically after activation of the card. The fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or after activation of the card.
  Accelerated production and delivery of card options		35.00	Accelerated production and delivery of cards can be ordered at a branch or by calling us on 67 444 444. The card can be collected at our branches or at a delivery address specified by the customer to the bank after the decision is made if the credit limit for the credit card has not yet been approved. Part of this fee (a minimum of 20 EUR) is transferred by the bank to third parties for the card delivery service.
  Using
  Monthly fee		5.00	The fee is debited from the account linked to the credit card on the monthly payment date set in the agreement. The fee is debited automatically for each month when the card has been in customer’s use.
  Purchases in Latvia and abroad		Free of charge
  Currency exchange mark-up		2%	The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
  A transfer from the credit card account		See Payments	Fees for transfers from the credit card account are identical to those for payments from the current account.
  Cash transactions		See Cash transactions in ATMs and retail outlets
  Purchase Insurance		Free of charge	More about Purchase Insurance.
  Travel Insurance		Free of charge	More about Travel Insurance.
  Interest-free period		Until following month's 10. date	The interest-free period applies to card purchases only. The interest-free period does not apply to cash withdrawals and transfers.
  Interest rate per annum on amount outstanding		From 16%	The interest rate is set individually and depends on the customer’s credit history, amount of loan obligations, and transfers of regular income to their account with Swedbank.
  Exceeding the credit limit and using the credit limit not repaid on time		0.167% of the exceeded amount per day	Excess and overdue penalty.
  Early partial repayment of credit	Easier via Internet Banking	Free of charge
  Changes in the credit card agreement		Free of charge
  Balance in ATMs
  In Swedbank ATMs in Latvia		Free of charge
  - In ATMs of other banks		0,40
  Printout of last 5 transactions in Swedbank ATMs in Latvia		0.20
  Emergency cash assistance in Western Union service points		42.00	In cases of loss or blocking of the card.
  Claim processing		Free of charge	If processing of the claim involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
  Closing
  Closing the card	Easier Internet Banking and the mobile app	Free of charge	Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

  Effective from 01.10.2021.

• Platinum Credit Card

  Platinum Credit Card

  Service		Price, EUR
  Receiving
  Ordering the card	Easier via Internet Banking	Free of charge	The card delivery method can be selected via Internet Banking.
  Card production and delivery	Best value by post	2.00-4.00 By post in Latvia - 2.00 At branches - 4.00	The fee is debited automatically after activation of the card. The fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or after activation of the card.
  Accelerated production and delivery of card options		35.00	Accelerated production and delivery of cards can be ordered at a branch or by calling us on 67 444 444. The card can be collected at our branches or at a delivery address specified by the customer to the bank after the decision is made if the credit limit for the credit card has not yet been approved. Part of this fee (a minimum of 20 EUR) is transferred by the bank to third parties for the card delivery service.
  Using
  Monthly fee		17	The fee is debited from the account linked to the credit card on the monthly payment date set in the agreement. The fee is debited automatically for each month when the card has been in customer’s use.
  Purchases in Latvia and abroad		Free of charge
  Currency exchange mark-up		0%	The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
  A transfer from the credit card account		See Payments	Fees for transfers from the credit card account are identical to those for payments from the current account.
  Cash transactions		See Cash transactions in ATMs and retail outlets
  Purchase Insurance		Free of charge	More about Purchase Insurance.
  Travel Insurance		Free of charge	More about Travel Insurance.
  LoungeKey
  - Program membership fee		Free of charge	The LoungeKey unlocks access to special lounges at over 1000 airports worldwide. Find out more on LoungeKey.com or the mobile app.
  - Platinum Extra Package annual fee		171 EUR (incl. PVN)	The Platinum Credit Card’s Extra Package allows the credit card holder to have 20 free airport lounge visits per calendar year. The annual fee is debited from the current account linked to the credit card.
  Interest-free period		Until following month's 20. date	The interest-free period applies to card purchases only. The interest-free period does not apply to cash withdrawals and transfers.
  Interest rate per annum on amount outstanding		From 14%	The interest rate is set individually and depends on the customer’s credit history, amount of loan obligations, and transfers of regular income to their account with Swedbank.
  Exceeding the credit limit and using the credit limit not repaid on time		0.167% of the exceeded amount per day	Excess and overdue penalty.
  Early partial repayment of credit	Easier via Internet Banking	Free of charge
  Changes in the credit card agreement		Free of charge
  Balance in ATMs
  - In Swedbank ATMs in Latvia		Free of charge
  - In ATMs of other banks		0.40
  Printout of last 5 transactions in Swedbank ATMs in Latvia		0.20
  Emergency cash assistance in Western Union service points		42.00	In cases of loss or blocking of the card.
  Claim processing		Free of charge	If processing of the claim involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
  Closing
  Closing the card	Easier Internet Banking and the mobile app	Free of charge	Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

  Effective from 09.07.2020.

Temporary ATM Card

Effective from 15.10.2017

Cash operations in ATM and traders

• Fixed Payment Credit Card

  Fixed Payment Credit Card

  New cards no longer issued to customers from 21.04.2022.

  Service		Price, EUR
  Receiving
  Ordering the card	Easier via Internet Banking	Free of charge	The card delivery method can be selected via Internet Banking.
  Card production and delivery	Best value by post	2.00-4.00 By post in Latvia - 2.00 At branches - 4.00	The fee is debited automatically upon activation of the card. The production and delivery fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or upon activation of the card.
  Accelerated production and delivery of card
  In branch Ķīpsala, Spice	Collectable within 4 hours	35.00	The fee is charged in addition to the production and delivery fee. Accelerated card production and delivery can be ordered at branches or by phone via Telephone Banking on 67 444 444. If the card is ordered on business days by 13:30, it will be produced and delivered to branch Ķīpsala (Riga, Balasta dambis 15) or Spice (Riga, Jaunmoku iela 13, s/c Spice Home) within 4 business hours. Next business day delivery to other branches in and outside Riga.
  Other branches in and outside Riga	Collectable on the next business day	35.00	The fee is charged in addition to the production and delivery fee. Accelerated card production and delivery can be ordered at branches or by phone via Telephone Banking on 67 444 444. If the card is ordered on business days by 13:30, it will be produced and delivered to branch Ķīpsala (Riga, Balasta dambis 15) or Spice (Riga, Jaunmoku iela 13, s/c Spice Home) within 4 business hours. Next business day delivery to other branches in and outside Riga.
  Using
  Monthly fee		0.00
  Purchases in Latvia and abroad		Free of charge
  Currency exchange mark-up		2%	The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
  A transfer from the credit card account		See Payments	Fees for transfers from the credit card account are identical to those for payments from the current account.
  Cash transactions		See Cash transactions in ATMs and retail outlets
  Purchase Insurance		Free of charge	More about Purchase Insurance.
  Interest rate per annum on amount outstanding		From 20%	The interest rate is set individually and depends on the customer’s credit history, amount of loan obligations, and transfers of regular income to their account with Swedbank.
  Exceeding the credit limit and using the credit limit not repaid on time		0.167% of the exceeded amount per day	Excess and overdue penalty.
  Early partial repayment of credit	Easier via Internet Banking	Free of charge
  Changes in the credit card agreement		Free of charge
  Balance in ATMs
  In Swedbank ATMs in Latvia		Free of charge
  - In ATMs of other banks		0,40
  Printout of last 5 transactions in Swedbank ATMs in Latvia		0.20
  Emergency cash assistance in Western Union service points		42.00	In cases of loss or blocking of the card.
  Claim processing		Free of charge	If processing of the claim involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
  Closing
  Closing the card	Easier Internet Banking and the mobile app	Free of charge	Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

  Effective from 01.10.2021.

Consumer Credit

Effective from 01.06.2023.

Credit Line

Car Lease

Effective from 01.09.2022.

Car Loan

Effective from 18.04.2017.

Mortgage loans (for home purchase, reconstruction, construction, energy efficiency improvement etc.)”

Effective from 01.10.2021.

* Valid from 01.12.2024 until 31.12.2025.

Consumer Credit for Home

Effective from 18.04.2017.

• State-Guaranteed Loans for Students

  State-Guaranteed Loans for Students

  Service		Price, EUR
  Receiving
  Disbursement of loan	Easier via Internet Banking	0.00
  Using
  Interest rate		3.5% per annum + 6M Euribor
  Amendment of loan agreement on the customer's initiative: - Change of educational institution - Change of graduation year - Compiling a schedule for early repayment of the loan - Change or cancellation of schedule - Change of date	Easier via Internet Banking	14.00
  Loan statement printing		5.00
  Early partial repayment of the credit	Easier via Internet Banking	Free of charge Minimum amount of repayment - 150 EUR.
  Closing
  Full early repayment of the credit	Easier via Internet Banking	Free of charge

  Effective from 18.04.2017.

• Non-state-guaranteed study loan

  Non-state-guaranteed study loan

  New agreements for this service are not offered

  Service		Price, EUR
  Using
  Interest rate		4% per annum + 6M Euribor
  Amendment of loan agreement: - Change of educational institution - Change of graduation year - Compiling a schedule for early repayment of the loan - Change or cancellation of schedule - Change of collateral - Change of date	Easier via Internet Banking	14.00
  Loan statement printing		4.27
  Early partial repayment of the credit	Easier via Internet Banking	Free of charge	Minimum amount of repayment -142.29 EUR.
  Closing
  Full early repayment of the credit	Easier via Internet Banking	Free of charge

  Effective from 18.04.2017.

• State-Guaranteed Loans for Students granted until 2009

  State-Guaranteed Loans for Students granted until 2009

  New agreements for this service are not offered

  Product / service		Price, EUR
  Using
  Amendment of loan agreement: - Change in disbursements or educational institution - Compilation of schedule for early repayment of the loan (if the time for commencing repayment of the loan stated in the agreement has not arrived) - Change, cancellation of schedule (according to an existing early repayment schedule, except in the repayment postponement cases laid down in Cabinet Regulations No. 220) - Change in collateral - Change in date	Easier via Internet Banking	4.27	Amendments to agreement for change in disbursements or educational institution can only be signed at branches.
  Postponement and extension of repayment of the loan in the cases laid down in Cabinet Regulations No. 220 (pregnancy or postnatal leave from work; child-care leave from work until child’s 1.5 years of age and working part-time; continuation of studies towards bachelor’s, master’s, doctor’s or higher professional education degree or in residency training; is officially unemployed)	Easier via Internet Banking	Free of charge	Additional supporting documents must be presented.
  Loan statement printing		4.27
  Early partial repayment of the credit	Easier via Internet Banking	Free of charge	Minimum amount of repayment -142.29 EUR.
  Closing
  Full early repayment of the credit	Easier via Internet Banking	Free of charge

  Effective from 18.04.2017.

• Swedbank Credit Card

  Swedbank Credit Card

  Service		Price, EUR
  Receiving
  Ordering the card	Easier via Internet Banking	Free of charge	The card delivery method can be selected via Internet Banking.
  Card production and delivery	Best value by post	2.00-4.00 By post in Latvia - 2.00 At branches - 4.00	The fee is debited automatically after activation of the card. The fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or after activation of the card.
  Accelerated production and delivery of card options		35.00	Accelerated production and delivery of cards can be ordered at a branch or by calling us on 67 444 444. The card can be collected at our branches or at a delivery address specified by the customer to the bank after the decision is made if the credit limit for the credit card has not yet been approved. Part of this fee (a minimum of 20 EUR) is transferred by the bank to third parties for the card delivery service.
  Using
  Monthly fee		1.70	The fee is debited from the account linked to the credit card on the monthly payment date set in the agreement. The fee is debited automatically for each month when the card has been in customer’s use. From 01.09.2022, the credit card’s monthly fee ‒ 1.70 EUR.
  Purchases in Latvia and abroad		Free of charge
  Currency exchange mark-up		2%	The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
  A transfer from the credit card account		See Payments	Fees for transfers from the credit card account are identical to those for payments from the current account.
  Cash transactions		See Cash transactions in ATMs and retail outlets
  Purchase Insurance		Free of charge	More about Purchase Insurance.
  Interest-free period		Until end of the current month	The interest-free period applies to card purchases only. The interest-free period does not apply to cash withdrawals and transfers.
  Interest rate per annum on amount outstanding		From 20%	The interest rate is set individually and depends on the customer’s credit history, amount of loan obligations, and transfers of regular income to their account with Swedbank.
  Exceeding the credit limit and using the credit limit not repaid on time		0.167% of the exceeded amount per day
  Early partial repayment of credit	Easier via Internet Banking	Free of charge
  Changes in the credit card agreement		Free of charge
  Balance in ATMs
  In Swedbank ATMs in Latvia		Free of charge
  - In ATMs of other banks		0.40
  Printout of last 5 transactions in Swedbank ATMs in Latvia		0.20
  Emergency cash assistance in Western Union service points		42.00	In cases of loss or blocking of the card.
  Claim processing		Free of charge	Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.
  Closing
  Closing the card	Easier Internet Banking and the mobile app	Free of charge	Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

  Effective from 01.09.2022.

• Gold Revolving Credit Card

  Gold Revolving Credit Card

  Service		Price, EUR
  Receiving
  Ordering the card	Easier via Internet Banking	Free of charge	The card delivery method can be selected via Internet Banking.
  Card production and delivery	Best value by post	2.00-4.00 By post in Latvia - 2.00 At branches - 4.00	The fee is debited automatically after activation of the card. The fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or after activation of the card.
  Accelerated production and delivery of card options		35.00	Accelerated production and delivery of cards can be ordered at a branch or by calling us on 67 444 444. The card can be collected at our branches or at a delivery address specified by the customer to the bank after the decision is made if the credit limit for the credit card has not yet been approved. Part of this fee (a minimum of 20 EUR) is transferred by the bank to third parties for the card delivery service.
  Using
  Monthly fee		5.00	The fee is debited from the account linked to the credit card on the monthly payment date set in the agreement. The fee is debited automatically for each month when the card has been in customer’s use.
  Purchases in Latvia and abroad		Free of charge
  Currency exchange mark-up		2%	The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
  A transfer from the credit card account		See Payments	Fees for transfers from the credit card account are identical to those for payments from the current account.
  Cash transactions		See Cash transactions in ATMs and retail outlets
  Purchase Insurance		Free of charge	More about Purchase Insurance.
  Travel Insurance		Free of charge	More about Travel Insurance.
  Interest-free period		Until following month's 10. date	The interest-free period applies to card purchases only. The interest-free period does not apply to cash withdrawals and transfers.
  Interest rate per annum on amount outstanding		From 16%	The interest rate is set individually and depends on the customer’s credit history, amount of loan obligations, and transfers of regular income to their account with Swedbank.
  Exceeding the credit limit and using the credit limit not repaid on time		0.167% of the exceeded amount per day	Excess and overdue penalty.
  Early partial repayment of credit	Easier via Internet Banking	Free of charge
  Changes in the credit card agreement		Free of charge
  Balance in ATMs
  In Swedbank ATMs in Latvia		Free of charge
  - In ATMs of other banks		0,40
  Printout of last 5 transactions in Swedbank ATMs in Latvia		0.20
  Emergency cash assistance in Western Union service points		42.00	In cases of loss or blocking of the card.
  Claim processing		Free of charge	If processing of the claim involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
  Closing
  Closing the card	Easier Internet Banking and the mobile app	Free of charge	Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

  Effective from 01.10.2021.

• Platinum Credit Card

  Platinum Credit Card

  Service		Price, EUR
  Receiving
  Ordering the card	Easier via Internet Banking	Free of charge	The card delivery method can be selected via Internet Banking.
  Card production and delivery	Best value by post	2.00-4.00 By post in Latvia - 2.00 At branches - 4.00	The fee is debited automatically after activation of the card. The fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or after activation of the card.
  Accelerated production and delivery of card options		35.00	Accelerated production and delivery of cards can be ordered at a branch or by calling us on 67 444 444. The card can be collected at our branches or at a delivery address specified by the customer to the bank after the decision is made if the credit limit for the credit card has not yet been approved. Part of this fee (a minimum of 20 EUR) is transferred by the bank to third parties for the card delivery service.
  Using
  Monthly fee		17	The fee is debited from the account linked to the credit card on the monthly payment date set in the agreement. The fee is debited automatically for each month when the card has been in customer’s use.
  Purchases in Latvia and abroad		Free of charge
  Currency exchange mark-up		0%	The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
  A transfer from the credit card account		See Payments	Fees for transfers from the credit card account are identical to those for payments from the current account.
  Cash transactions		See Cash transactions in ATMs and retail outlets
  Purchase Insurance		Free of charge	More about Purchase Insurance.
  Travel Insurance		Free of charge	More about Travel Insurance.
  LoungeKey
  - Program membership fee		Free of charge	The LoungeKey unlocks access to special lounges at over 1000 airports worldwide. Find out more on LoungeKey.com or the mobile app.
  - Platinum Extra Package annual fee		171 EUR (incl. PVN)	The Platinum Credit Card’s Extra Package allows the credit card holder to have 20 free airport lounge visits per calendar year. The annual fee is debited from the current account linked to the credit card.
  Interest-free period		Until following month's 20. date	The interest-free period applies to card purchases only. The interest-free period does not apply to cash withdrawals and transfers.
  Interest rate per annum on amount outstanding		From 14%	The interest rate is set individually and depends on the customer’s credit history, amount of loan obligations, and transfers of regular income to their account with Swedbank.
  Exceeding the credit limit and using the credit limit not repaid on time		0.167% of the exceeded amount per day	Excess and overdue penalty.
  Early partial repayment of credit	Easier via Internet Banking	Free of charge
  Changes in the credit card agreement		Free of charge
  Balance in ATMs
  - In Swedbank ATMs in Latvia		Free of charge
  - In ATMs of other banks		0.40
  Printout of last 5 transactions in Swedbank ATMs in Latvia		0.20
  Emergency cash assistance in Western Union service points		42.00	In cases of loss or blocking of the card.
  Claim processing		Free of charge	If processing of the claim involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
  Closing
  Closing the card	Easier Internet Banking and the mobile app	Free of charge	Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

  Effective from 09.07.2020.

Home Insurance

CASCO Insurance

MTPL Insurance

Travel Insurance

Life insurance

Effective from 10.09.2020

Life insurance to cover loan

Effective from 10.09.2020

Insurance against Borrower's Unemployment and Incapacity for Work

Credit Card Liability Insurance

• Family Support Insurance

  Family Support Insurance

  Service	Price, EUR
  Receiving
  Life insurance premium per month	1% of life insurance sum insured, divided by 12.	Statutory contribution into the Fund for the Protection of the Insured at the rate of 0.1% of the insurance premium is withheld from every insurance premium received.
  Trauma supplementary insurance premium per month	0.2% of the sum insured for trauma supplementary insurance, divided by 12.	Statutory contribution into the Fund for the Protection of the Insured at the rate of 0.1% of the insurance premium is withheld from every insurance premium received.
  Contract amendment	Free of charge
  Closing
  Early termination of the contract	Free of charge

  Effective from 01.01.2016

Internetbank

Effective from 01.09.2022.

Quick notifications

Effective from 01.01.2014

Easy Saver

Effective from 15.09.2023.

Term Deposit

Effective from 28.11.2024.

Effective from 19.12.2024.

Majority savings account

Effective from 15.09.2023.

Savings for child’s future with guaranteed amount

• documentGeneral Terms, Transaction Dates and Procedure
• documentInvestment Structure and Asset Classes

Effective from 01.07.2022

Effective from 01.07.2023

2nd pension pillar

In addition, other expenses for trading and investment plan management up to 0.05% per year are deducted from investment plan assets. Actual deducted expenses see in Quarterly reports

Effective from 17.09.2024

3rd pension pillar

Effective from 12.01.2023.

documentSwedbank’s 3rd pillar pension plan application execution procedure

Private portfolio

documentGeneral Terms, Transaction Dates and Procedure

Effective from 01.07.2023

• Swedbank Group funds

  Swedbank Group funds

  Service	Price, EUR
  Receiving
  Opening of securities account	See Securities account
  Securities account statements	See Securities account
  Subscription, redemption and switch of investment fund units options Fund orders submitted to the Bank cannot be cancelled. Fee for fund switch transactions charged only on delivery side. Fund switch subject to the conditions specified in the fund terms.
  Subscription	Bond	Equity and balanced
  Swedbank Group funds	Free of charge	Free of charge
  Regular automatic investment
  Swedbank Group funds	Free of charge	Free of charge
  Redemption / switch
  Swedbank Group funds	Free of charge	Free of charge
  Monthly Funds Safekeeping Fees
  Swedbank Group funds	Free of charge
  Closing
  Closing of securities account	See Securities account

  Effective from 09.12.2019

• Franklin Templeton and other funds

  Franklin Templeton and other funds

  Service	Price, EUR
  Receiving
  Opening of securities account	See Securities account
  Securities account statements	See Securities account
  Subscription, redemption and switch of investment fund units options Fund orders submitted to the Bank cannot be cancelled. Fee for fund switch transactions charged only on delivery side. Fund switch subject to the conditions specified in the fund terms.
  Subscription	Bond	Equity and balanced
  Franklin Templeton funds	0,50% (min. 7,00)	1,50% (min. 7,00)
  Other funds	0,50% (min. 21,00)	1,50% (min. 21,00)
  Regular automatic investment
  Franklin Templeton funds	0,50% (min. 1,50)	1,50% (min. 1,50)
  Other funds	0,50% (min. 1,50)	1,50% (min. 1,50)
  Redemption / switch
  Franklin Templeton funds	7,00	7,00
  Other funds	21,00	21,00
  Monthly Funds Safekeeping Fees
  Franklin Templeton funds	See Securities account
  Other funds	See Securities account
  Closing
  Closing of securities account	See Securities account

  Effective from 09.12.2019

Securities and Other Exchange-Traded Financial Instruments

Effective from 13.07.2023

Effective from 18.07.2024

• Term Deposit with Monthly Interest Capitalization

  Term Deposit with Monthly Interest Capitalization

  New agreements for this service are not offered
  

  Service		Price, EUR
  Using
  Administration		Free of charge	Adding funds to the deposit is not possible.
  Closing
  Early termination of the agreement		Free of charge	If the deposit is closed before maturity date, then the depositor will not be paid the calculated interest, plus any interest capitalized earlier will be withheld. The withholdings will be made from the deposit amount before payout.
  Paying out the deposit in cash		See Cash transactions in branches	For deposit contracts set up before 01.07.2013, cash payout in USD and EUR is free of charge for 1 calendar month after transfer of deposit amount to the customer’s current account.

  Interest rates
  Currency	Rate
  EUR	0%
  USD	0%

  Effective from 18.03.2021

• Guaranteed-Income Savings

  Guaranteed-Income Savings

  New agreements for this service are not offered
  

  Service		Price, EUR
  Using
  Statutory payment into the Fund for the Protection of the Insured from contributions		0.1%
  Contract handling fee (per year):			The fee is withheld from the reserve once a month.
  - Reserve < 6402.92 EUR		1.5% (min. 1.42 mon.)
  - Reserve 6402.92 - 64 029.22 EUR		1%
  - Reserve > = 64 029.23 EUR		0.75%
  Amendment of the contract		Free of charge
  Closing
  Partial withdrawal of reserve within 5 years of the contract start date		1% of the amount to be paid out (min. 14.23)	Minimum amount of withdrawal in case of partial payout of reserve - 56.91 EUR. Minimum reserve after partial payout of reserve - 569.15 EUR.
  Contract termination within 5 years of the contract start date		1% of the reserve (min. 21.34)
  Partial payout of the reserve or contract termination in other cases		Free of charge	Minimum amount of withdrawal in case of partial payout of reserve - 56.91 EUR. Minimum reserve after partial payout of reserve - 569.15.

  documentGeneral Terms, Transaction Dates and Procedure

  Effective from 28.02.2020.

• Unit-Linked Income Savings (Fund plan)

  Unit-Linked Income Savings (Fund plan)

  New agreements for this service are not offered

  Service		Price, EUR
  Using
  Contract handling fee (per year)			The fee is withheld from the reserve once a month.
  - Reserve < 6402.92 EUR		1.5% (min. 2.13/mon.)
  - Reserve 6402.92 - 64,029.22 EUR		1,00%
  - Reserve 64,029.23 - 284,574.35 EUR		0,75%
  - Reserve >= 284,574.36 EUR		0.5%
  Buying and selling assets		documentAvailable assets
  Amendment of the contract		Free of charge
  Closing
  Partial payout of the reserve or early termination of the contract		0% - 0.5% 0.5% of the amount of the reserve to be paid out if the payout is requested within 5 years after the contract start date. In other cases - free of charge.	Minimum amount of withdrawal in case of partial payout of reserve - 56.91 EUR. Minimum reserve after partial payout of reserve - 569.15.

  documentGeneral Terms, Transaction Dates and Procedure

  Effective from 18.12.2023.

  Results of funds in insurance contracts

• Saving for the child's future with dynamic income

  Saving for the child's future with dynamic income

  New contract conclution for this product is not offered

  Service		Price, EUR
  Using
  Contract handling fee (per year)		1.25% (min. 2.85 per month)	The fee is withheld from the reserve once a month.
  Risk payment (per month)		2.5% o the monthly risk amount	The risk payment is withheld from the reserve once a month.
  Amendment of the contract		Free of charge	Changing the investment structure of the reserve and future insurance premiums is free of charge, whereas buying investment fund units is subject to a charge according to the Price List.
  Buying of investment fund units	ISIN	Purchase price	NAV - Net Asset Value
  - Amundi Index Euro Corporate SRI-UCITS ETF DR (C)	LU1437018168	NAV
  - Swedbank Savings Fund 30 S	SE0017858913	NAV
  - Swedbank Savings Fund 60 S	SE0017833288	NAV
  - Swedbank Savings Fund 100 S	SE0017833270	NAV
  Selling investment fund units	ISIN	Selling price	NAV - Net Asset Value
  - Amundi Index Euro Corporate SRI-UCITS ETF DR (C)	LU1437018168	NAV
  - Swedbank Savings Fund 30 S	SE0017858913	NAV
  - Swedbank Savings Fund 60 S	SE0017833288	NAV
  - Swedbank Savings Fund 100 S	SE0017833270	NAV
  Closing
  Partial withdrawal of the reserve		1% (min. 21.34)	The fee is withheld from the amount of the reserve to be paid out. The minimum amount for partial payout of reserve - 56.91 EUR. The minimum reserve after partial withdrawal of the reserve is at least 569.15 EUR.
  Early termination of the contract		1% (min. 21,34)	The fee is withheld from the reserve.

  documentGeneral Terms, Transaction Dates and Procedure

  Effective from 29.08.2022.

  Results of funds in insurance contracts

Bank letters, documents etc.

Effective from 01.10.2021

Individual safety boxes

Effective from 01.07.2018

To improve transparency and comparability of fees, banks are obliged to make available the following documents:

• The Fee Information Document (FID), which must be provided to prospective clients, and sets out pre-contractual fee information for payment account linked services.
• List of standardized terms of services most frequently used in the Republic of Latvia and their definitions, which lists and defines payment account linked services in a standardised manner.
• Statement of Fees (SoF), which must be provided to each client, showing an overview of fees charged and interest paid in a year. Statement of Fees will be available in customer Internetbank starting from 5 june, 2019.

documentFee information document

To improve transparency and comparability of fees, banks are obliged to make available the following documents:

• The Fee Information Document (FID), which must be provided to prospective clients, and sets out pre-contractual fee information for payment account linked services.
• List of standardized terms of services most frequently used in the Republic of Latvia and their definitions, which lists and defines payment account linked services in a standardised manner.
• Statement of Fees (SoF), which must be provided to each client, showing an overview of fees charged and interest paid in a year. Statement of Fees will be available in customer Internetbank starting from 5 june, 2019.

documentList of standardized terms of services