Price List
PRICE LIST .................................................................................................................................................................. 1
ACCOUNTS AND ACCOUNT INFORMATION ........................................................................................................... 2
CURRENT ACCOUNT INTEREST .............................................................................................................................. 4
BANK TRANSFERS .................................................................................................................................................... 5
CASH OPERATIONS ................................................................................................................................................... 7
CHEQUES .................................................................................................................................................................... 9
DEBIT CARDS ........................................................................................................................................................... 10
CREDIT CARDS ......................................................................................................................................................... 14
LOAN .......................................................................................................................................................................... 18
FACTORING .............................................................................................................................................................. 23
LEASING .................................................................................................................................................................... 24
TRANSACTIONS IN SECURITIES ............................................................................................................................ 29
TRANSACTIONS IN DERIVATIVE INSTRUMENTS ................................................................................................. 40
MANDATORY FUNDED PENSION ........................................................................................................................... 42
ELECTRONIC CHANNELS ....................................................................................................................................... 43
DOCUMENTARY CREDITS, COLLECTIONS AND GUARANTEES ....................................................................... 45
ADDITIONAL SERVICES .......................................................................................................................................... 49
SERVICES FOR MERCHANTS AND SERVICE ENTERPRISES............................................................................. 52
MATURITIES OF SERVICES .................................................................................................................................... 51
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Accounts and account information
OPENING ACCOUNTS
Effective as of 01.09.2015
1. Current account (1)
1.1 Private person
1.1.1 for Estonian and EU member state (including Norway, Iceland, Liechtenstein,
Switzerland) resident
free of charge
1.1.2 for another country resident
200 €
1.2 Legal person
1.2.1 for a legal person registered in Estonia
free of charge
1.2.2 for a legal person registered in an EU member state (except Cyprus, Luxembourg,
Malta, United Kingtom) or Norway
30 €
1.2.3 for a legal person registered in another country (including Cyprus, Luxembourg, Malta,
United Kingtom)
400 €
2. Opening an account in a foreign bank through Swedbank
150 € + courier service fee (3)
2.1 Via Unicash partner bank
2.1.1 opening an account
free of charge
2.1.2 monthly fee (includes sending SWIFT MT940 free of charge)
45 €
2.2 Opening an account in banks of Swedbank Group through Swedbank Estonia
60 € + courier service fee (3)
2.3 Entry into additional contracts, amendments and specimen signature cards in a foreign bank
and a bank of the Swedbank Group through Swedbank Estonia (2)
15 € + courier service fee (3)
2.4 Sending identification tools and cards to foreign banks and banks of the Swedbank Group
through Swedbank Estonia (2)
15 € + courier service fee (3)
3. Opening a start-up account
free of charge
4. Deposits
free of charge
4.1 opening a current account for a depositor
free of charge
(1) The first debit card related to the account is free of charge.
(2) For a customer of Swedbank Estonia whose account is with a foreign bank or Swedbank Group and for a customer of a foreign bank or
Swedbank Group whose account is with Swedbank Estonia.
(3) According to courier service provider.
Note about the Price List:
The bank debits the service fees in euros.
The percentage-based service fee of foreign currency transactions is converted into euros on the basis of the exchange rate of European
Central Bank.
If the sum available on the account in euros is insufficient to cover the service fee, the missing amount is converted from the foreign currency
sum kept on the account based on the exchange rate determined by Swedbank.
CLOSING ACCOUNTS
Effective as of 30.06.2014
Disbursement of payments made to a private person’s closed account
Direction of payments to a Swedbank account within 1 month as of closure of the account
free of charge
Direction of payments to an account with another Estonian bank within 1 month as of closure of
the account
fee of the domestic payment in a
branch
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ACCOUNT INFORMATION
Effective as of 01.09.2015
1. Account statement
1.1 From a branch
4€
1.2 By post
- a decade, monthly and annual statement to Estonia
2€
- a quarterly statement to a private person to Estonia
free of charge
- a quarterly statement to a legal person to Estonia
2€
- abroad
4€
1.3 By fax
- to Estonia
2€
- abroad
4€
1.4 From Internetbank
free of charge
2. Balance query and statement (in Estonia)
- from a Swedbank ATM
free of charge
- from ATMs of other banks
0,32 €/query
3. Monthly fee of Baltic Reports in internet-bank for business clients (1)
13 €
3.1 Monthly fee of Baltic Reports for the customers of the group account module in internet-bank
for business clients (1)
6,40 €
4. Current account default interest rate
0.2% a day
5. Monthly account fee of non-resident legal persons registered outside the EU Member
States and Norway (excl. financial institutions)
Monthly account fee expandens also for non-resident legal persons registered in Cyprus,
Luxembourg, Malta and the United Kingdom
50 €
(1) Baltic Reports means a daily consolidated report of the balance of funds on current and group accounts and in the overnight deposit opened
in Swedbank (Estonia, Latvia, Lithuania) of a company or companies belonging to the same group.
GROUP ACCOUNT
Effective as of 01.09.2015
Fees of a group account and members thereof
- Opening a group account
200 €
- Annual fee of a group account
190 €
- Annual fee for a sub-group account
190 €
- Opening a sub-group account
63 €
- Amendment of a group account agreement and a sub-group account agreement
25 €
- Monthly fee per group member
12 €
Intra-group automatic transactions
- Automatic intra-group zero balancing transfer between accounts in euros or a foreign currency
0,16 €
- Automatic intra-group interest transfer in euros and a foreign currency
0,16 €
Group administration and reporting service in channels
- Monthly fee of the group account module in internet-bank for business clients
20 €
- Baltic Reports in electronic channels (1)
- Monthly fee of Baltic Reports in internet-bank for business clients
13 €
- Monthly fee of Baltic Reports for the customers of the group account module in internet-bank for
business clients
6,40 €
(1) Baltic Reports means a daily consolidated report of the balance of funds on current and group accounts and in the overnight deposit opened
in Swedbank (Estonia, Latvia, Lithuania) of a company or companies belonging to the same group.
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Current account interest
Effective as of 01.01.2015
Currency
Annual interest rate
AUD
0%
CAD
0%
CHF
0%
CZK
0%
DKK
0%
EUR
0.01%
GBP
0%
JPY
0%
NOK
0%
PLN
0%
RUB
0%
SEK
0%
USD
0%
1. Current account interest is presented as a percentage on a basis of year (360 days).
2. Interest is calculated on the account balance as of the end of day and is roundes to two places after the decimal point.
3. Interest calculated on current accounts is transferred to accounts once a month not later than on the third day following the calculating month.
4. Interest calculated over month that remains below 0,05 € is not paid out or transferred into the next month.
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Bank transfers
Effective as of 15.12.2015
1.PAYMENTS IN EUROS
In a branch and telephone
bank
In the Internet bank for
privat clients, Internet
bank for business clients,
Swedbank Gateway
In an ATM
1.1 Intra-bank payment
0,16 €;
In the Internet bank for private
clients free of charge for
people up to 25 years of age
(incl.) and over 65 years of
age (incl.)
0,16 €, free of charge for private
clients over 65 years of age (incl.)
(1)
3,20 €
0,38 €
0,38 €
- up to 10 000 € (incl.)
9€
7€
- over 10 000 €
32 €
30 €
1.2.3 Domestic incoming payment
free of charge
1.1.1 Intra-bank payment
2,30 €
1.1.1 Intra-bank incoming payment
free of charge
1.2 Domestic payment
1.2.1 Domestic payment
1.2.2 An urgent domestic payment
1.3 Swedbank Group group payment
1.3.1 A group payment (2)
3,20 €
1.3.2 An incoming group payment
free of charge
0,38 €
1.4 A European payment (3)
3,20 €
0,38 €
- up to 10 000 € (incl.)
9€
7€
- over 10 000 €
32 €
30 €
1.4.3 An incoming European payment
free of charge
1.4.1 European payment
1.4.2 An urgent European payment
1.5. International payments (exc.
points 1.3 and 1.4)
1.5.1 An ordinary payment
- transfer charges are shared (4)
9,45 €
5,45 €
- transfer charges paid by remitter) (5)
29,75 €
24,75 €
- transfer charges are shared (4)
14,85 €
9,85 €
- transfer charges paid by remitter (5)
34,75 €
29,75 €
- transfer charges are shared (4, 8)
39,85 €
34,85 €
- transfer charges paid by remitter) (5)
49,85 €
44,85 €
1.5.4 An incoming international
payment (6)
5,75 €
5,75 €
1.5.2 An urgent payment
1.5.3 An express payment
1.6 Standing order
- Formalisation and cancellation
free of charge
- Execution of an standing order (7)
according to euro payment price list in tha Internet bank
- Standing order to deposit
free of charge
1.7 E-invoice standing order
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- formalisation and cancellation
free of charge
- amendment of the E-invoice standing
order
free of charge
- execution of the E-invoice standing
order
free of charge
1.8 Transfer to savings deposiit (9)
2,30 €
1.9 Payment of a state fee in state
authorities
0,19 €
free of charge
In a branch and telephone bank
In the Internet Banking, Internetbank for business clients, Swedbank
Gateway
2.1.1 Intra-bank payment
2,30 €
2€
2.1.2 Intra-bank incoming payment
free of charge
2. PAYMENTS IN FOREIGN CURRENCY
2.1 Intra-bank payment
2.2 Swedbank Group group payment
2.2.1 A group payment
3,20 €
2.2.2 A group incoming payment
free of charge
2€
2.3 An international payment (exc. point 2.2)
2.3.1 An ordinary payment
- transfer charges are shared (4)
9,45 €
5,45 €
- transfer charges paid by remitter (5)
29,75 €
24,75 €
- transfer charges are shared (4)
14,85 €
9,85 €
- transfer charges paid by remitter (5)
34,75 €
29,75 €
- transfer charges are shared (4)
39,85 €
34,85 €
- transfer charges paid by remitter (5)
49,85 €
44,85 €
2.3.4 An incoming international payment (6)
5,75 €
5,75 €
2.3.2 An urgent payment
2.3.3 An express payment in US dollars
2.4 Standing order
- formalisation and cancellation
free of charge
- execution of a standing order
according to euro payment price list in tha Internet bank
- standing order to deposit
free of charge
(1) This also applies to clients who were at least 60 years old on 1 September 2015 and held a current account.
(2) Payments to Swedbank (Latvia, Lithuania, Sweden, Finland, Norway, Denmark) reach the beneficiary's account in the full amount. The
beneficiary’s IBAN must be specified.
(3) Terms and conditions of a European payment:
*the payment currency is the euro;
*The correct IBAN is indicated in the payment;
*The service fee type is ‘shared’;
* The beneficiary’s bank ( remitter`s bank when incoming payment) is located in a Member State of the European Union (or Norway, Iceland,
Liechtenstein, Switzerland, Aland Islands, Azores, Ceuta and Melilla, Gibraltar, Guadeloupe, Canary Islands, Madeira, Martinique, French
Guinea, Reunion, Monaco, San Marino).
The fee is according to point 1.5 when the beneficiary’s IBAN is not indicated in the payment.
(4) The remitter pays the service fee of Swedbank and the beneficiary pays the service fees of all other banks.
(5) The remitter pays the service fees of Swedbank and foreign banks. If the beneficiary's bank's service fee exceeds the amount paid by the
remitter for the beneficiary, the current account of the remitter shall be automatically debited with the corresponding difference of service fees.
Additionally debited service fee can be 63,91€ at most.
(6) Incoming payment with a note ‘transfer charges paid by remitter’ is free of charge. The service fee for a non-customer is twice the
established amount.
(7) Execution of an intra-bank standing order is 0,16 € regardless of the customers age.
(8) If an express payment is European payment then fee for the payment is according to an European urgent payment.
(9) Free of charge upon entry into savings deposit contract.
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Cash operations
Effective as of 01.09.2015
1. In euros
1.1 Cash deposit (excl. coins) in branch
- by an individual to their own account
0,25%, min 2,60 €
- to a minor’s account (1)
up to 100 € per calendar month
– free of charge;
starting from 100 € per calendar month 0.25% of the deposited amount that
exceeds 100 €
- by an entity to their account
0,25%, min 2,60 €
- to another person’s account, which is located in the Swedbank (in case of coins, fee for Payment of coins to current account will be added)
0,25%, min 3,20 €
1.2 Upon payment of cash from a branch
- to a private or legal person
0.5%, min. 3 €
2. In a foreign currency
2.1 Fees of payment of cash to an account (3)
- CZK, DKK, GBP, NOK, PLN, SEK, USD, RUB
1,5%, min 2,60 €
2.2 Fee of payment of cash to another person’s account, which is located in the Swedbank (3)
1.5%, min 3,20 €
2.3 Fee of payment of cash from an account
- CZK, DKK, GBP, NOK, PLN, SEK, USD
1.5%, min 2,60 €
- RUB
4%, min 2,60 €
3. Purchase/sale of foreign currency in cash (3, 5)
2,60 €
4. Cash reservation
Reservation of large amounts of cash (2)
free of charge
Fine in the event of cancelling a reservation (payable only upon exceeding the branch’s
reservation limit)
38 €
Payment of non-reserved large sums of cash, which exceed the reservation limit, on the same
day
38 € + fee for payment of the respective
currency
5. Processing cash
Payment of coins to current account (4)
2%, min 2,60 €
Payment of coins to a minor’s account (4, 6)
up to 100 € per calendar month
– free of charge;
starting from 100 € per calendar month 2% of the deposited amount that exceeds
100 €
Payment from account in coins (7)
2%, min 3 €
Exchange of coins for coins (4)
5%, min 2,60 €
Exchange of coins for notes (4)
5%, min 2,60 €
Exchange of notes for coins
5%, min 2,60 €
Exchange of notes for notes
0.5%, min 2,60 €
Verification of a note
0,19 €/note
Entry by collecting (5)
fee of foreign currency payment of cash to
an account and/or from an account
(1) The fee is charged on the amount that exceeds 100 € per calendar month and the cash is deposited in branch. The service fee is clientbased on the basis of calculation is a calendar month.
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(2) The size of the sum as of which cash needs to be reserved is 12 000 € (banknotes) and 500 € coins. The reservation application must be
submitted to the bank not later than by 2.00 p.m. Upon reservation of foreign currencies you need to agree with the branch beforehand.
Reservation over 50 000 euros is payed out on a banking day with service fee which agreed with bank beforehand. In one branch during 1 day
maximum 500 euro coins are paid out, assumption that the branch has requested amount or nominal value of the coins.
(3) The bank does not accept or exchange damaged foreign currency notes.
(4) The bank does not accept or exchange foreign currency coins.
(5) Foreign currency cashing payment to an account and/or from an account through the cash collecting offering company (fee according to
point 2.1 and/or 2.3)
(6) The fee is charged on the amount that exceeds 100 € per calendar month and the coins are deposited in branch. The service fee is clientbased on the basis of calculation is a calendar month.
(7) The bank does not sell foreign currency coins.
.
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Cheques
Effective as of 01.03.2016
In euros
- cashing a cheque by way of collection (1)
actual costs of foreign banks + 1.5%, min 25 €
- cheques payed out in Swedbank
7€
In a foreign currency
- cashing a cheque by way of collection (1, 2)
actual costs of foreign banks + 1.5%, min 25 €
- sale of a bank cheque
actual costs of foreign banks + 1.5%, min 15 €
- returning a bounced cheque
actual costs of foreign banks + 15 €
(1) The incoming cheque sum may be smaller to the extent of the service fee charged by foreign banks.
(2) Swedbank is cashing a cheque by way of collection in currencies: AUD, CAD, CHF, DKK, EUR, GBP,NOK, SEK, USD.
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Debit cards
1. PRIVATE PERSON
Effective as of 01.01.2016
1.1 Issuing the first debit card associated with an account (1)
free of charge
1.2 Issuing an additional debit card associated with an account (1)
according to price list
1.3 Renewal of a card (1)
free of charge
1.4 Visa Electron debit card, Maestro debit card (2)
- issuing a card
2,50 €
- monthly fee of a card (3)
0,96 €
1.5 Debit card Plus
- issuing a card
2,50 €
- monthly fee of a card
1,28 €
1.6 A temporary ATM card (valid for 1 month)
- issuing a card
2,50 €
1.7 Student card (4)
- monthly fee of a card
0,96 €
1.8 ISIC MasterCard Student card
- issuing a card
6,33 €
- replacement of a card
6,33 €
- monthly fee of a card
0,32 €
- renewal of the right to use the card (5)
6,33 €
- renewal of a card
6,33 €
1.9 Youth card
- issuing a card
2,50 €
- monthly fee of a card for up to 19-year-olds
free of charge
- monthly fee of a card for people aged 20-25 (6)
0,32 €
1.10 School card (7)
- monthly fee of a card
free of charge
1.11 Senior card
- issuing a card
2,50 €
- monthly fee of a card
0,32 €
1.12 MasterCard Private Banking (8)
- monthly fee of a card
1,28 €
1.13 MasterCard Private Banking Card (9)
- issuing a card
2,50 €
- monthly fee of a card
1,98 €
GENERAL SERVICE AND TRANSACTION FEES
1. Cash deposit in euros in home bank’s terminal (10)
- up to 5000 € per calendar month free
of charge;
- 0,25% of the deposited amount that
exceeds 5000 € per month
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2. Cash withdrawal
2.1 from terminals of your home bank
- up to 2000 € per calendar month
free of charge
- over 2000 € per calendar month
0.3% of the amount that exceeds 2000 €
2.2 from other bank’s terminals in Estonia and abroad
1 € + 2.5% of the amount
2.3 with debit cards issued by Swedbank from Swedbank Group ATMs in Latvia, Lithuania,
Sweden (11)
- up to 2000 € per calendar month
free of charge
- over 2000 € per calendar month
0.3% of the amount that exceeds 2000 €
3. Balance inquiry and statement in Swedbank’s terminals in Estonia
free of charge
4. Balance inquiry in other bank’s terminals in Estonia and abroad (12)
0,32€/query
5. Making payments in ATMs and payment terminals
- an intra-bank payment
0,16 € (free for clients aged 65 and more)
(13)
- domestic payment
0,38 €
6. Payment in a commercial enterprise
free of charge
7. Closure of a card
free of charge
8. A copy of the receipt of a card transaction (inquiry)
- a transaction in Estonia
4€
- a transaction abroad
8€
9. Demand for refund, unjustified
- a transaction in Estonia
12 €
- a transaction abroad
16 € (In case disputing card transaction
made abroad, additional costs of the card
organisations may apply)
10. Sending a card from one branch to another (14)
2,50 €
11. Sending a card by mail
- mail (Estonia)
free of charge
12. Conversion fee for transactions in foreign currencies (15)
1% of transaction amount
13. Penalty for using a closed card
65 €
14. Using Visa or MasterCard assistance service abroad
0 to 130 €, depending on actual costs
15. Penalty
0.2% a day
2. LEGAL PERSONS
Effective as of 19.10.2015
2.1 Issuing the first debit card associated with an account (16)
free of charge
2.2 Issuing an additional card associated with an account (16)
according to price list
2.3 Renewal of a card
free of charge
2.4 Visa Business Debit (17)
- issuing a card
10 €
- replacement of a card
10 €
- monthly fee of a card
3,20 €
2.5 A temporary ATM card (valid for 1 month)
- issuing a card
2,50 €
2.6 MasterCard Business Debit
- issuing a card
2,50 €
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- monthly fee of a card
1,28 €
- monthly fee of a card with the possibility of making cash deposits
0,32 €
2.7 Visa Business Electron (18)
- monthly fee of a card
1,28 €
- monthly fee of a card with the possibility of making cash deposits
0,32 €
GENERAL SERVICE AND TRANSACTION FEES
1. Cash deposit in euros in home bank’s terminal (10)
- up to 5000 € per calendar month free
of charge;
- 0,25% of the deposited amount that
exceeds 5000 € per month
2. Cash withdrawal (16)
- from terminals of your home bank
0,19 € + 0.3% of the amount
- from other bank’s terminals in Estonia
1,92 € + 2,5% of the amount
- abroad
1,92 € + 2.5% of the amount
- with debit cards issued by Swedbank from Swedbank Group ATMs in Latvia, Lithuania,
Sweden (11)
0,19 € 0.3% of the amount
3. Cash withdrawal with Visa Business Debit (17)
- from terminals of your home bank
1,92 € + 1% of the amount
- from other bank’s terminals in Estonia
1,92 € + 2,5% of the amount
- abroad
1,92 € + 2,5% of the amount
- with debit cards issued by Swedbank from Swedbank Group ATMs in Latvia, Lithuania,
Sweden (11)
1,92 € + 1% of the amount
4. Balance inquiry and statement in Swedbank’s terminals in Estonia
free of charge
5. Balance inquiry in other bank’s terminals in Estonia and abroad (12)
0,32€/query
6. Making payments in ATMs and payment terminals
- an intra-bank payment
0,16€
- domestic payment
0,38 €
7. Payment in a commercial enterprise
free of charge
8. Closure of a card
free of charge
9. A copy of the receipt of a card transaction (inquiry)
- a transaction in Estonia
4€
- a transaction abroad
8€
10. Demand for refund, unjustified
- a transaction in Estonia
12 €
- a transaction abroad
16 € (In case disputing card transaction
made abroad, additional costs of the card
organisations may apply)
11. Sending a card from one branch to another (14)
2,50 €
12. Conversion fee for transactions in foreign currencies (15)
1% of transaction amount
13. Penalty
0.2% a day
(1) Except ISIC MasterCard Student card
(2) Visa Electron card is not issued from 1st of June 2015.
(3) The debit card fee is not applicable to the customers who as of 01.08.2011 were at least 60 years old.
(4) Student cards were issued up to 21.08.2013.
(5) Renewal of the right to use the card will be done only for ISIC MasterCard Student cards with 2 year validity period.
(6) From the age of 26 applies the Visa Electron or Maestro debit card monthly fee.
(7) School card is not isused from 1 st of July 2015.
(8) MasterCard Private Banking card is not issued from 4 th of April 2013.
(9) MasterCard Private Banking Card is issued to the customers of Private Banking and Private Wealth Management. Issued from 5th of April
2013.
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(10) The fee is charged on the amount that exceeds 5 000 € per calendar month and the cash is deposited in home bank’s terminal. The service
fee is client-based on the basis of calculation is a calendar month.
(11) ATM in Sweden is Bankomat.
(12) The availability of the service in a foreign country depends on the foreign bank's ATM technical possibilities and service can be used with
MasterCard/Maestro cards.
(13) This also applies to clients who were at least 60 years old on 1 September 2015 and held a current account.
(14) The price is inclusive of VAT at the rate of 20%.
(15) Added to the amount of every transaction made with the card if the card transaction is in a currency other than the euro. The conversion fee
is not subject to a refund if the transaction is cancelled.
(16) Except Visa Business Debit
(17) Visa Business Debit card is issued to the non-resident legal persons registered outside the EU Member States and Norway ( including
non-resident legal persons registered in Cyprus, Luxembourg, Malta and the United Kingdom).
(18) Visa Business Electron card is not issued from 4 th of May 2015.
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Credit cards
1. PRIVATE PERSON
Effective as of 01.01.2016
1.1 Revolving credit card (2)
- monthly fee
1,30 €, free of charge for people up to 25
years of age
- monthly fee of an additional card
1,30 €
- annual interest rate
19 - 22%, the final interest rate depends on
the client’s liabilities and solvency
- penalty
ECB interest rate + 8% a year (1) (currently
0.022% a day, 8.050% a year)
1.2 Gold Revolving credit card (3)
- monthly fee
3,70 €
- monthly fee of an additional card
2,50 €
- annual interest rate
17 - 20%, the final interest rate depends on
the client’s liabilities and solvency
- penalty
ECB interest rate + 8% a year (1) (currently
0.022% a day, 8.050% a year)
- debt notice
3€
1.3 Gold Charge card
- monthly fee of the primary card
5,11 €
- monthly fee of an additional card
2,56 €
- penalty
ECB interest rate + 8% a year (1) (currently
0.022% a day, 8.050% a year)
- debt notice
3€
1.4 Platinum Charge card
- annual fee of the primary card
127,82 €
- annual fee of an additional card
63,91 €
- penalty
ECB interest rate + 8% a year (1) (currently
0.022% a day, 8.050% a year)
- debt notice
3€
- the Priority Pass salon visit fee for a Platinum credit card holder
27 USD per visitor
1.5 Fixed payment credit card
- annual interest rate
19 - 22%, the final interest rate depends on
the client’s liabilities and solvency
- penalty
ECB interest rate + 8% a year (1) (currently
0.022% per year, 8.050% a year)
- debt notice
3€
1.6 American Express Platinum credit card (4)
- annual fee of the primary card
475 €
- annual fee of an additional card
320 €
- annual interest rate
14%
-penalty
ECB interest rate + 8% a year (1) (currently
0.022% a day, 8.050% a year)
- the Priority Pass salon visit fee for a cardholder
free of charge
- the Priority Pass salon visit fee for for persons accompanying cardholders
27 USD per visitor
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1.7 American Express Gold credit card (5)
- monthly fee of the primary card
10,50 €
- monthly fee of of an additional card
7€
- annual interest rate
16 - 19%
-penalty
ECB interest rate + 8% a year (1) (currently
0.022% a day, 8.050% a year)
- the Priority Pass salon visit fee
27 USD per visitor
1.8 American Express Blue credit card (6)
- monthly fee of the primary card
1,60 €
- monthly fee of of an additional card
1,60 €
- annual interest rate
17 - 20%, the final interest rate depends on
the client’s liabilities and solvency
-penalty
ECB interest rate + 8% a year (1) (currently
0.022% a day, 8.050% a year)
GENERAL SERVICE AND TRANSACTION FEES
1. Card opening fee
- opening a card at branch
2,50 €
- opening a card in Internet Bank
1,50 €
2. Payment in a commercial enterprise
free of charge
3. Cash deposit in euros in home bank’s terminal (7)
- up to 5000 € per calendar month free of
charge;
- 0,25% of the deposited amount that exceeds
5000 € per month
4. Cash withdrawal
1,92 € + 2.5% of the amount
5. Replacement of a card
7€
6. Statement of transactions
- in last month
free of charge
- a previous month
4 € per month
7. Amendment of a credit card agreement (8, 12)
- increase of credit limit at branch
1% of the requested additional limit, min 10 €
- increasing of credit limit in the Internet Bank
3,20 €
- amendment of the agreement at branch
10 €
- amendment of the agreement in the Internet Bank
free of charge
8. Closure of a credit card
free of charge
9. Penalty for using a closed card
65 €
10. Copy of a receipt (inquiry)
- a transaction in Estonia
4€
- a transaction abroad
8€
11. Balance inquiry and statement in Swedbank’s terminals in Estonia
free of charge
12. Balance inquiry in other bank’s terminals in Estonia and abroad (9)
0,32 € per query
13. Demand for refund, unjustified
- a transaction in Estonia
12 €
- a transaction abroad
16 € (In case disputing card transaction made
abroad, additional costs of the card
organisations may apply)
14. Using a Visa or MasterCard assistance service abroad (issue of a temporary credit
0 to 130 €, depending on actual costs
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card abroad)
15. Sending a card from one branch to another (10)
2,50 €
16. Sending a card by mail
- mail (Estonia)
free of charge
17. Conversion fee for transactions in foreign currencies (11)
- VISA or MasterCard
1% of transaction amount
- American Express card
0.5% of transaction amount
18. Renewal of primary and additional card
free of charge
2. LEGAL PERSONS
Effective as of 19.10.2015
2.1 Charge card MasterCard Business
- annual fee
25 €
- penalty
0.2% a day
- debt notice
3€
2.2 Charge card Visa Business Gold
- annual fee
120 €
- the Priority Pass salon visit fee
27 USD per visitor
- penalty
0.2% a day
- debt notice
3€
2.3 Fixed Payment credit card Visa Business
- issue fee upon first application and renewal
free of charge
- monthly fee
1,30 €
- annual interest rate
18%
- penalty
0.2% a day
GENERAL SERVICE AND TRANSACTION FEES
1. Payment in a commercial enterprise
free of charge
2. Cash withdrawal
1,92 € + 2.5% of the amount
3. Replacement of a card
7€
4. Statement of transactions
- in last month
free of charge
- a previous month
4 € per month
5. Amendment of a credit card agreement
- increasing of the credit limit at branch
1% of the requested additional limit, min 10 €
- amendment of the agreement (12)
10 €
- amendment of the agreement in Internet Bank
free of charge
6. Closure of a credit card
free of charge
7. Penalty for using a closed card
65 €
8. Copy of a receipt (inquiry)
- a transaction in Estonia
4€
- a transaction abroad
8€
9. Balance inquiry and statement in Swedbank’s terminals in Estonia
free of charge
10. Balance inquiry in other bank’s terminals in Estonia and abroad (9)
0,32 € per query
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11. Demand for refund, unjustified
- a transaction in Estonia
12 €
- a transaction abroad
16 € (In case disputing card transaction made
abroad, additional costs of the card
organisations may apply)
12. Sending a card from one branch to another (10)
2,50 €
13. Using a Visa or MasterCard assistance service abroad (issue of a temporary credit
card abroad)
0 to 130 €, depending on actual costs
14. Conversion fee for transactions in foreign currencies (11)
1% of transaction amount
(1) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is
published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate
has changed.
(2) When paying for goods or services with a private person’s revolving credit card, the transaction amount is subject to a 30- day interest-free
period, after which the calculation of interest starts. When withdrawing cash, the calculation of interest starts at once.
(3) When paying for goods or services with a private person’s Gold revolving credit card, the transaction amount is subject to a 40-day interestfree period, after which the calculation of interest starts. When withdrawing cash, the calculation of interest starts at once.
(4) When paying for goods or services with the American Express Platinum credit card, the transaction amount is subject to an up to 50-day
interest-free period (between the date of purchase and the payment date).
(5) When paying for goods or services with the American Express Gold credit card, the transaction amount is subject to an up to 40-day interestfree period (between the date of purchase and the payment date).
(6) When paying for goods or services with the American Express Blue credit card, the transaction amount is subject to an up to 40-day interestfree period (between the date of purchase and the payment date).
(7) Possible with fixed payment and with revolving credit cards. The fee is charged on the amount that exceeds 5 000 € per calendar month and
the cash is deposited in home bank’s terminal. The service fee is client-based on the basis of calculation is a calendar month.
(8) If upon the renewal of a credit card on the basis of an application, the credit limit of the credit card is rounded by increasing or decreasing the
credit limit up to 32 € (incl.), no fee for amending the credit limit shall be charged when increasing or decreasing the credit limit.
(9) The availability of the service in a foreign country depends on the foreign bank's ATM technical possibilities and service can be used with
MasterCard/Maestro cards.
(10) The price is inclusive of VAT at the rate of 20%.
(11) Added to the amount of every transaction made with the card if the card transaction is in a currency other than the euro. The conversion fee
is not subject to a refund if the transaction is cancelled.
(12) Excluding changing the user limits.
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Loan
PRIVATE PERSONS
Effective as of 01.08.2015
1. Housing loan
1.1 Agreement fee
up to 1% of the loan amount, no less than 190 €
- for loans with a repayment term of up to 12 months
1% of the loan amount, no less than 320 €
1.2 Amendment of the agreement
130 €
- loan principal repayment holiday,
60 €
- fee for break from repayment of principal amount of loan when entering into several
agreements at the same time
45 €
- amendment of the payment dates (in branch or in Internet Bank)
20 €
- amendment of the servicing account (in branch or in Internet Bank)
free of charge
1.3 Lowering the interest rate, formalisation of an additional sum
up to 1% of the loan amount, no less than 190 €
1.4 Early repayment fee (partial repayment)
- in branch (2)
the amount of 3 months' interest (not applied in
case of 3 months' advance notice)
- in Internet Bank (2)
the amount of 1 month interest
1.5 Fee for processing arrears
3,20 €
1.6 Penalty
ECB interest rate (1) + 8% a year (currently
0.022% a day, 8.050% a year)
2. Home equity loan
2.1 Agreement fee
1% of the loan amount, no less than 95 €
- for loans with a repayment term of up to 12 months
1% of the loan amount, no less than 320 €
2.2 Amendment of the agreement
130 €
- loan principal repayment holiday, amendment of the schedule type
60 €
- fee for break from repayment of principal amount of loan when entering into several
agreements at the same time
45 €
- amendment of the payment dates (in branch or in Internet Bank)
20 €
- amendment of the servicing account (in branch or in Internet Bank)
free of charge
2.3 Lowering the interest rate
up to 1% of the loan amount, no less than 190 €
2.4 Early repayment fee (partial repayment)
- in branch (2)
the amount of 3 months' interest (not applied in
case of 3 months' advance notice)
- in Internet Bank (2)
the amount of 1 month interest
2.5 Fee for processing arrears
3,20 €
2.6 Penalty
ECB interest rate (1) + 8% a year (currently
0.022% a day, 8.050% a year)
3. Student loan
- first application (in the 2015/2016 academic year)
free of charge
- first application via the Internet Bank
free of charge
- refinancing
7€
- amendment of the repayment schedule (frequency of repayment and amendment of
the due date of the schedule)
7€
- preparation of a special schedule
16 €
- penalty
ECB interest rate (1) + 8% a year (currently
0.022% a day, 8.050% a year)
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- default interest after the due date of the loan (i.e. after termination of the agreement by
the bank)
annual interest rate under the agreement
1% of the prepaid loan amount or the part
thereof if the period between the prepayment
date and the loan maturity date is longer than
one year
- compensation for prepayment of the loan amount or a part thereof (4, 5)
0.5% of the prepaid loan amount or the part
thereof if the period between the prepayment
date and the loan maturity date does not exceed
one year
4. Overdraft
- annual interest rate
15%-24%, final interest rate depends on the
client’s solvency and liabilities and loan sum
- agreement extension fee
1% of the limit, no less than 10 €
- fee for amendment of the interest rate in a branch
7€
- limit reduction fee in a branch
free of charge
- limit reduction fee in the Internet Bank
free of charge
- amendment of the interest payment date
free of charge
- termination of the agreement
free of charge
- penalty
ECB interest rate (1) + 8% a year (currently
0.022% a day, 8.050% a year)
- default interest after the final date of use (i.e. after termination of the agreement by the
bank)
annual interest rate under the agreement
5. Credit line
- annual interest rate
15%-24%, final interest rate depends on the
client’s solvency and liabilities and loan sum
- entry into an agreement
in a branch
1,5% of the credit limit, no less than 45 €
in Internet Bank (i.e. there is an offer)
1,5% of the credit limit, no less than 35 €
- commitment fee
1,2% of the unused credit limit (annual rate)
- credit limit extension fee
free of charge
- increasing the credit limit
1% of the additional credit limit, no less than 35
€
- credit limit reduction fee
free of charge
- amendment of the monthly payment day
free of charge
- amendment of the servicing account
free of charge
- early termination of the agreement
free of charge
- re-registration of overdraft into a credit line
free of charge
- penalty
ECB interest rate (1) + 8% a year (currently
0.022% a day, 8.050% a year)
- default interest after the end term of the agreement (i.e. after termination of the
agreement by the bank)
annual interest rate under the agreement
6. Small loan
- annual interest rate
15%-24%, final interest rate depends on the
client’s solvency, liabilities and loan sum
- entry into an agreement in a branch (one or two borrowers)
entry into an agreement
1,5%, no less than 45 €
entry into an agreement if there is small loan offer
1,5%, no less than 45 €
formalisation of an additional sum
1,5% of the additional sum, no less than 45 €
- entry into contract in Internet Bank (one or two borrowers)
entry into an agreement
1,5%, no less than 35 €
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entry into an agreement if there is small loan offer
1,5%, no less than 35 €
formalisation of an additional sum
1,5% of the additional sum, no less than 35 €
- entry into an agreement of car small loan (one or two borrowers)
1,5% , no less than 100 €
- car small loan amendment of the interest rate
50 €
- entry into an agreement of home small loan (one or two borrowers)
1%, no less than 95 €
- formalisation of an additional sum for home small loan
1% of the additional sum, no less than 95 €
- re-registration of loan products into a small loan
1,5%, no less than 35 €
- amendment of the terms and conditions of the agreement: exchange of collateral,
amendment of the due date of the loan, formalisation of a repayment holiday
25 €
- amendment of the repayment date
free of charge
- amendment of the servicing account
free of charge
- penalty
ECB interest rate (1) + 8% a year (currently
0.022% a day, 8.050% a year)
- default interest after the due date of the loan (i.e. after termination of the agreement by
the bank)
annual interest rate under the agreement
1% of the prepaid loan amount or the part
thereof if the period between the prepayment
date and the loan maturity date fixed in the loan
contract is longer than one year
- compensation for prepayment of the loan amount or a part thereof (5)
0.5% of the prepaid loan amount or the part
thereof if the period between the prepayment
date and the loan maturity date fixed in the loan
contract is up to one year (incl.)
7. Hire purchase
- annual interest rate
9,9%
- agreement fee
15,83 € (3)
- agreement fee for vehicle financing
54,17 € (3)
- amendment of the terms and conditions of the agreement: extension of the agreement,
reduction of the agreement, formalisation of a repayment holiday
15,83 € (3)
- a written notice on breach of the agreement
3€
- partial prepayment of the agreement on the basis of a written application
free of charge
- early termination of the agreement on the basis of a written application
free of charge
- fee for formalisation of a debt transfer
19,17 € (3)
- penalty
ECB interest rate (1) + 8% a year (currently
0.022% a day, 8.050% a year)
8. Valuation of the collateral (6)
8.1 In Tallinn and Harju County
- valuation of apartment
120 €
- valuation of registered immovable with buildings, house, summer house, terraced
house
240 €
- intermediate valuation of property under construction
180 €
8.2 elsewhere in Estonia
- valuation of apartment
100 €
- valuation of registered immovable with buildings, house, summer house, terraced
house
190 €
- intermediate valuation of property under construction
150 €
LEGAL PERSONS
Effective as of 01.05.2013
1. Investment loan
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1.1 Application
- Kredex Start-up loan
1% of the loan amount, but no less than 195 €
2% of the loan amount, but no less than 320 €
1.2 Additional application
1% of the additional sum, but no less than 195 €
- Kredex Start-up loan
1% of the additional sum, but no less than 195 €
1.3 Additional application along with amendment of other terms and conditions of the
agreement
- Kredex Start-up loan
1.4 Amendment of the terms and conditions of the agreement (except along with an
additional application)
- Kredex Start-up loan
1.5 Early loan repayment fee
1% of the loan amount (loan balance + additional
amount), but no less than 195 €
1% of the loan amount (loan balance + additional
amount), but no less than 195 €
1% of the loan amount, but no less than 195 €
1% of the loan amount, but no less than 195 €
3% of the amount repaid early
2. Working capital loan
- application
1% of the loan amount per year, but no less than
195 €
- additional application
1% of the loan amount per year, but no less than
195 €
- additional application along with amendment of other terms and conditions of the
agreement
1% of the loan amount (loan balance + additional
amount) per year, no less than 195 €
- amendment of the terms and conditions of the agreement (except along with an
additional application)
1% of the loan amount, but no less than 195 €
- early loan repayment fee
3% of the amount repaid early
3. Overdraft
- application
1% of the limit per year, but no less than 195 €
- additional application
1% of the additional limit, but no less than 195 €
- additional application along with amendment of other terms and conditions of the
agreement
1% of the total limit per year, but no less than 195 €
- amendment of the terms and conditions of the agreement (except along with an
additional application)
1% of the limit, but no less than 195 €
- obligation fee
2% of the unused credit limit
4. Revolving credit line
- application
1% of the loan amount, no less than 195 €
- additional application
1% of the additional amount per year, but no less
than 195 €
- additional application along with amendment of other terms and conditions of the
agreement
1% of the loan amount (loan balance + additional
amount) per year, no less than 195 €
- amendment of the terms and conditions of the agreement (except along with an
additional application)
up to 1% of the loan amount, no less than 195 €
- obligation fee
2% of the unused limit per year
5. Apartment association loan
- application
1% of the loan amount, no less than 195 €
- additional application
1% of the additional amount, no less than 195 €
- additional application along with amendment of other terms and conditions of the
agreement
1% of the loan amount (loan balance + additional
amount), no less than 195 €
- amendment of the terms and conditions of the agreement (except along with an
additional application)
up to 1% of the loan amount, no less than 195 €
- amendment of payment dates of the loan repayment schedule or amendment of
the type of the schedule
up to 1% of the loan amount, no less than 195 €
- early loan repayment fee
3% of the amount repaid early
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(1) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is
published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate
has changed.
(2) In the event of early repayment of a fixed-interest euro loan in the course of the period of fixation of the loan interest rate, an early repayment
fee is charged as a difference between the contractual fixed interest rate of the euro and the fixed interest rate of the euro in the period from the
early repayment until the end of the interest rate fixation. The early repayment fee is calculated on the respective period as from the date of
early repayment until the contractual date of expiry of the fixation.
(3) VAT at the rate of 20% will be added to the price.
(4) If the collateral is property, the amount of the compensation may not be bigger than the amount the borrower would have paid as interest in
the period between the prepayment date and the loan maturity date.
(5) Applies to the agreements concluded since 01.07.2011.
(6) Bank will not issue valuation report.
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Factoring
Effective as of 01.05.2013
1. Application
up to 1% of the limit per year, but no
less than 200 € (1)
2. Amendment of other terms and conditions of the agreement
- approval of the amendment of the buyer and the buyer limit
65 € (1)
- buyer credit insurance limit inquiry by request of the customer
65 € (1)
- prolongation of the limit
up to 1% of the limit per year, but no
less than 200 € (1)
- increace of the limit
up to 1% of the additional sum per year
- amendment of other terms and conditions of the agreement
no less than 65 € (1)
3. Balance confirmation
10 € (1)
4. Factoring report issuing (earlier than previous month)
10 € month (1)
(1) VAT at the rate of 20% will be added to the price.
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Leasing
Private persons
1. VEHICLE AND EQUIPMENT LEASING
Effective as of 01.08.2015
- entry into a financial lease or hire purchase agreement (1)
1,5% of the price of the property, no less than
200 €
- entry into a operational lease agreement (1)
1,5% of the price of the property, no less than
200 €
- entry into a full service lease agreement (2)
1,5% of the price of the property, no less than
200 €
- entry into a vehicle management service contract agreement (2)
40 €
1.1 Amendment of the lease agreement
- changing the payment date (first change is free of charge)
30 €
- restoration of the agreement, repayment holiday (along with extending the period
regarding the repayment holiday)
65 €
- payment of an additional payment and/or additional financing if accompanied by an
amendment of the lease agreement
160 €
- extension/reduction of the contract period (during the period or at the end of the
period) and/or amendment of the type of the contract
120 €
- reduction of the interest rate
1% of the outstanding amount, no less than 65 €
1.2 Amendment of the full service lease agreement
- restoration of the agreement, changing the payment date, repayment holiday (along
with extending the period regarding the repayment holiday), amendment of the
insurance conditions (2)
78 €
- add services into a full service lease agreement
free of charge
- amendment or removal of the services of the full service lease agreement and of the
vehicle management service contract (2)
192 €
- payment of an additional payment and/or additional financing, extension of the
contract period (2)
192 €
- reduction of the interest rate
1% of the outstanding amount, no less than 78 €
1.3 Early termination of the lease agreement
- in the case of an operating lease, finance lease and hire-purchase sales agreement
if the agreement has been made before 01 July 2011
If the termination of the agreement takes place within the first 9 months
- in the case of operating lease if the agreement has been made after 01 July 2011
If the termination of the agreement takes place within the first 9 months
free of charge
the interest until the end of the 9th month
free of charge
the interest until the end of the 9th month
- in the case of a fixed interest operating lease and hire-purchase sales agreement if
the agreement has been made after 01 July 2011
1% of the sum of unpaid instalments if the
agreement term expires in 1 year or later;
0.5% of the sum of unpaid instalments if the
agreement term expires in less than 1 year
- in the case of a Libor/Euribor operating lease and hire-purchase sales agreement if
the agreement has been made after 01 July 2011
free of charge (interest for the period used)
- in case of sale at higher price
65 €
1.4 Early termination of the full service lease agreement
free of charge
- if the termination of the full service lease agreement or of the vehicle management
service contract takes place within the first 9 months
the interest until the end of the 9th month
1.5 Penalty
ECB interest rate (3) + 8% (currently 0.022% a
day, 8.050% a year)
1.6 Additional services included in the monthly payment
Fuel card fee (except full service lease agreement and vehicle management service
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contract)
monthly fee of a card with a limit of 100 €
1€/month
monthly fee of a card with a limit of 200 – 250 €
2,60 €/month
monthly fee of a card with a limit of 300 – 350 €
3 €/month
monthly fee of a card with a limit of 400 – 600 €
5 €/month
monthly fee of a card with a limit of 700 €
6 €/month
monthly fee of a card with a limit of 1,000 €
7,70 €/month
monthly fee of a card with a limit of 2,000 €
10 €/month
monthly fee of a card with a limit of 3,000 €
12 €/month
monthly fee of a card with a limit of 5,000 €
15 €/month
monthly fee of a card with a limit of 7,000 €
17 €/month
1.7 Full service lease additional services inclused in the monthly payment
- fuel card/additional fuel card fee (2)
5 €/month
- international fuel card fee (2)
5 €/month
1.8 Additional services as a one-off service
- one-time transfer service (2)
100 €
- transport of tyres to a tyre hotel within the territory of the same city (2)
38 €
- 24-hour emergency assistance service (2)
85 €
- Registration operations at Maanteeamet. Performed by lessor's employee (expenses
of Maanteeamet are added) (2)
39 €
1.9 Other services
- preparation and sending of penalty invoices (2)
6,40 €
- penalty for failure to submit insurance when due
up to 10% of the residual cost of property
- power of attorney of giving property to sublessee (2)
19,20 €
- an unattested power of attorney (e.g. using the vehicle, ordering a duplicate to an
existing registration certificate, exchange of the license plate, amendment of the user
data, etc.) (2)
6,40 €
- formalization of Road Administration e-service transaction (2)
3,20 €
- notarised power of attorney of the vehicle (e.g. using the vehicle) (within 4 working
days) (2)
73,50 €
- release of the additional collateral (suretyship, guarantee) (2)
95 €
- payment of the costs of removing the vehicle (added to the direct costs of removing
the vehicle) (2)
31 €
- preparation of certificate (2)
6,40 €
- sending a notice on breach and cancellation of the agreement (2)
6,40 €
- sending an extract of the fuel card (2)
3,20 €
- fee for replacement of the fuel card during the lease term due to the customer's fault
(2)
3,20 €
- re-formalisation of an invoice
38,35 €
- balance confirmations issued by leaser
9 € (free of charge on the customer’s form)
- balance comparison notices issued by leaser (2)
19 €
- entry into a debt agreement
1% of the outstanding amount, but no less than
159,80 €
- contractual penalty for delays in the timely return of the vehicle
50 €/ day
- document processing fee (2)
31,95 €, but no less than 6,40 €
- vehicle valuation service (incl. passenger cars, caravan cars, motorcycles and ATVs)
(2)
50 €
- water craft valuation service (incl. launches, motorboats, yachts and sailing vessels)
(2)
110 €
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- truck, trailer, heavy machinery valuation service (incl. excavators, tractors, loaders,
hoists, combine harvesters and couplings) (2)
80 €
- forestry machinery and equipment valuation service (incl. harvesters, forwarders,
manufacturing equipment and machine tools) (2)
130 €
- provision of valuation services on site outside of Tallinn (water craft, trucks, trailers,
heavy machinery, forestry machinery and equipment) (2)
valuation service fee + 20 €
Legal persons
2. VEHICLE AND EQUIPMENT LEASING
Effective as of 01.08.2015
- entry into a financial lease or hire purchase agreement (1)
1% of the price of the property, no less than 200
€
- entry into a financial lease agreement (1)
1.5% of the price of the property, no less than
200 €
- entry into a full service lease agreement (2)
1.5% of the price of the property, no less than
200 €
- entry into a vehicle management service contract agreement (2)
40 €
2.1 Amendment of the lease agreement
- changing the payment date (first change is free of charge)
30 €
- restoration of the agreement, repayment holiday (along with extending the period
regarding the repayment holiday)
65 €
- payment of an additional payment and/or additional financing
160 €
- extension/reduction of the contract period (during the period or at the end of the
period) and/or amendment of the type of the contract
160 €
- lowering the interest rate
1% of the outstanding amount, no less than 65 €
2.2 Amendment of the full service lease agreement
- restoration of the agreement, changing the payment date, repayment holiday (along
with extending the period regarding the repayment holiday), amendment of the
insurance conditions (2)
78 €
- add services into a full service lease agreement
free of charge
- amendment or removal of the services of the full service lease agreement and of the
vehicle management service contract (2)
192 €
- payment of an additional payment and/or additional financing, extension of the
contract period (2)
192 €
- reduction of the interest rate
1% of the outstanding amount, no less than 78 €
2.3 Early termination of the lease contract
- fixed-rate agreement
the interest sum of up to 6 months following
termination
- agreement pegged to LIBOR/EURIBOR
the interest sum of up to 3 months following
termination
- withdrawal from contract at the initiative of the lessee
the contract fee
2.4 Early termination of the full service lease agreement
- full service lease agreement
the full service lease payment sum of up to 1
month following termination
- vehicle management service contract
the service payment sum of up to 1 month
following termination
2.5 Penalty
0.25% a day
2.6 Additional services included in the monthly payment
Fuel card fee (except full service lease agreement and vehicle management service
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contract)
monthly fee of a card with a limit of 100 €
1 €/month
monthly fee of a card with a limit of 200 – 250 €
2,60 €/month
monthly fee of a card with a limit of 300 – 350 €
3 €/month
monthly fee of a card with a limit of 400 – 600 €
5 €/month
monthly fee of a card with a limit of 700 €
6 €/month
monthly fee of a card with a limit of 1,000 €
7,70 €/month
monthly fee of a card with a limit of 2,000 €
10 €/month
monthly fee of a card with a limit of 3,000 €
12 €/month
monthly fee of a card with a limit of 5,000 €
15 €/month
monthly fee of a card with a limit of 7,000 €
17 €/month
2.7 Full service lease additional services inclused in the monthly payment
- fuel card/additional fuel card fee (2)
5 €/month
- international fuel card fee (2)
5 €/month
2.8 Additional services as a one-off service
- one-time transfer service (2)
100 €
- transport of tyres to a tyre hotel within the territory of the same city (2)
38 €
- 24-hour emergency assistance service (2)
85 €
- registration operations at Maanteeamet. Performed by lessor's employee (expenses
of Maanteeamet are added) (2)
39 €
2.9 Other services
- preparation and sending of penalty invoices (2)
6,40 €
-penalty for failure to submit insurance when due
up to 10% of the residual cost of property
- power of attorney of giving property to sublessee (2)
19,20 €
- an unattested power of attorney (e.g. using the vehicle, ordering a duplicate to an
existing registration certificate, exchange of the license plate, amendment of the user
data, etc.) (2)
6,40 €
- formalization of Road Administration e-service transaction (2)
3,20 €
- notarised power of attorney of the vehicle (e.g. using the vehicle, ordering a duplicate
in the case of losing the registration certificate) (within 4 working days) (2)
73,50 €
- release of the additional collateral (suretyship, guarantee)
95 €
- payment of the costs of removing the vehicle (added to the direct costs of removing
the vehicle) (2)
31 €
- preparation of certificate (2)
6,40 €
- sending a notice on breach and cancellation of the agreement (2)
6,40 €
- sending an extract of the fuel card (2)
3,20 €
- fee for replacement of the fuel card during the lease term due to the customer’s fault
(2)
3,20 €
- re-formalisation of an invoice
38,35 €
- balance confirmations issued by leaser
9 €, free of charge on the customer’s form
- balance comparison notices issued by leaser (2)
19 €
- entry into a debt agreement
1% of the outstanding amount, but no less than
159,80 €
- contractual penalty for delays in the timely return of the vehicle
50 €/day
- document processing fee (2)
31,95 € , but no less than 6,40 €
- vehicle valuation service (incl. passenger cars, caravan cars, motorcycles and ATVs)
(2)
50 €
- water craft valuation service (incl. launches, motorboats, yachts and sailing vessels)
(2)
110 €
27/56
- truck, trailer, heavy machinery valuation service (incl. excavators, tractors, loaders,
hoists, combine harvesters and couplings) (2)
80 €
- forestry machinery and equipment valuation service (incl. harvesters, forwarders,
manufacturing equipment and machine tools) (2)
130 €
- provision of valuation services on site outside of Tallinn (water craft, trucks, trailers,
heavy machinery, forestry machinery and equipment) (2)
valuation service fee + 20 €
2.10 Small leasing of equipment
- agreement amendment fee
65 €
- fee for re-formalisation of the contract to another person (debt transfer agreement)
65 €
- early termination fee
the interest sum of up to 6 months following
termination
(1) No agreement fee is charged upon using the financing of the Rural Development Foundation.
(2) The price is inclusive of VAT at the rate of 20%.
(3) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate).
28/56
Transactions in securities
01.01.2015
Private persons



For further details on amounts payable or paid please contact the Bank.
If the Bank is obliged to pay taxes, fees, interest, penalties or incur other similar costs as a result of the administration of the Client’s
Securities Account or the Securities Transactions that are not included in the Bank’s price list, the Bank shall have the right to debit
said amounts from the Client’s Current Account in the extent of said amounts without the consent of the Client.
For further information on Securities Transactions made available to non-Clients please contact the Bank. Securities Transactions of
non-Clients are subject to double fees.
1.
Account Opening (1)
-
Securities account
Branch office
4€
Internet bank
Free of charge
-
Brokerage account
Free of charge
-
Joint securities account
-
Savings account
2.
Account Closing (1)
-
Securities account
-
Brokerage account
-
Joint securities account
-
Savings account
3.
Account Transfer (1) (2)
-
Securities account balance transfer with ECSD registered
securities from another account administrator
-
Securities account balance transfer with ECSD registered
securities to another account administrator
-
Bank internal securities account balance transfer (3) (4)
4.
Trading: Orders through Bank Channels (5) (6)
63,91 €
Not possible
Free of charge
Free of charge
19,17 €
Brokerage Account (Only Internet
Bank)
Securities Account
Minimum
Transaction Fee
Stock Exchange
Estonia
OMX Tallinn
0.20%
3,20 €
0.10%
3,20 €
Latvia
OMX Riga
0.20%
3,20 €
0.10%
3,20 €
Lithuania
OMX Vilnius
0.20%
3,20 €
0.10%
3,20 €
Sweden
OMX Stockholm
0.20%
18,85 €
0.15%
14,06 €
Finland
OMX Helsinki
0.20%
18,85 €
0.15%
14,06 €
Denmark
OMX Copenhagen
0.20%
18,85 €
0.15%
14,06 €
Norway
Oslo SE
0.20%
18,85 €
0.15%
14,06 €
NYSE
0.20%
18,85 €
0.15%
14,06 €
NASDAQ
0.20%
18,85 €
0.15%
14,06 €
OTC
0.20%
18,85 €
0.15%
14,06 €
Canada
Toronto SE
0.20%
18,85 €
0.15%
14,06 €
Germany
Xetra
0.20%
18,85 €
0.15%
14,06 €
Italy
Borsa Italiana
0.20%
18,85 €
0.15%
14,06 €
USA
Trading Fee
Minimum
Transaction Fee
Country
Trading Fee
29/56
Brokerage Account (Only Internet
Bank)
Securities Account
Minimum
Transaction Fee
Stock Exchange
The Netherlands
Euronext Amsterdam
0.20%
18,85 €
0.15%
14,06 €
France
Euronext Paris
0.20%
18,85 €
0.15%
14,06 €
Portugal
Euronext Lisbon
0.20%
18,85 €
0.15%
14,06 €
Belgium
Euronext Brussels
0.20%
18,85 €
0.15%
14,06 €
Spain
Madrid SE
0.20%
18,85 €
0.15%
14,06 €
London SE
0.20%
18,85 €
0.15%
14,06 €
London International
(Russian and other GDRs)
0.20%
0.15%
14,06 €
Ireland (7)
Dublin SE
0.20%
18,85 €
0.15%
14,06 €
Switzerland
SIX Swiss SE
0.20%
18,85 €
0.15%
14,06 €
Austria
Vienna SE
0.25%
18,85 €
0.20%
14,06 €
Hungary
Budapest SE
0.25%
18,85 €
0.20%
14,06 €
Czech
Prague SE
0.25%
18,85 €
0.20%
14,06 €
Poland
Warsaw SE
0.25%
18,85 €
0.20%
14,06 €
Russia
Micex-RTS
0.30%
50,81 €
0.30%
50,81 €
UK (7)
5.
Trading Fee
Minimum
Transaction Fee
Country
Trading Fee
18,85 €
Trading: Orders Through Bank Brokerage (5) (8) (9)
Country
Stock Exchange
Estonia
OMX Tallinn
0.20%
6,39 €
Latvia
OMX Riga
0.20%
14,00 €
Lithuania
OMX Vilnius
0.20%
14,00 €
Sweden
OMX Stockholm
0.20%
250,00 SEK
Finland
OMX Helsinki
0.20%
25,00 €
Denmark
OMX Copenhagen
0.20%
200,00 DKK
Norway
Oslo SE
0.20%
200,00 NOK
NYSE
0.20%
25,00 USD
NASDAQ
0.20%
25,00 USD
USA
Trading Fee
Minimum Trading Fee
OTC
0.20%
25,00 USD
Canada
Toronto SE
0.20%
25,00 CAD
Germany
Xetra
0.20%
25,00 €
Italy
Borsa Italiana
0.20%
25,00 €
The Netherlands
Euronext Amsterdam
0.20%
25,00 €
France
Euronext Paris
0.20%
25,00 €
Portugal
Euronext Lisbon
0.20%
25,00 €
Belgium
Euronext Brussels
0.20%
25,00 €
Spain
Madrid SE
0.20%
25,00 €
London SE
0.20%
25,00 GBP
London International (Russian and other
GDRs)
0.20%
25,00 USD
Ireland (7)
Dublin SE
0.20%
25,00 €
Switzerland
SIX Swiss SE
0.20%
35,00 CHF
Austria
Vienna SE
0.25%
25,00 €
Hungary
Budapest SE
0.25%
7000,00 HUF
UK (7)
30/56
Country
Stock Exchange
Czech
Prague SE
0.25%
650,00 CZK
Poland
Warsaw SE
0.25%
100,00 PLN
Russia
Micex-RTS
0.30%
150,00 USD
Bulgaria
Sofia SE
0.60%+150,00 BGN
150,00 BGN
Slovakia
Bratislava SE
0.70%
75,00 €
Slovenia
Ljubljana SE
0.70%
75,00 €
Croatia
Zagreb SE
0.75%
550,00 HRK
Romania
Bucharest SE
0.85%
325,00 RON
Serbia
Belgrade SE
0.80%
7500,00 RSD
Turkey
ISE
0.25%
150,00 TRY
6.
-
Trading Fee
Minimum Trading Fee
Transactions in Estonian Securities
Delivery/ receipt of securities without payment against defined
counterparty (10)
On brokerage account
4,79 €
6,39 €
-
Delivery/ receipt of securities against payment against defined
counterparty
3,20 €
-
Confirmation of stock exchange transaction
3,20 €
-
Registering/ changing a pledge (11)
8,00 €
-
Transaction with pledged securities (12)
-
Swedbank interest bond
19,17 €
Subscription
3,20 €
Pre-mature redemption
3,20 €
Redemption
Free of charge
-
Subscription to a new issue
3,20 €
-
Participating in an offer
3,20 €
-
Based on enforcement instruments
Transaction fee
-
Securities transaction cancellation (13)
Transaction fee
7.
Transactions in Foreign Securities
-
Bank internal securities transaction (10)
-
Bank external securities transaction, settlement on according
local market
6,39 €
Latvian, Lithuanian securities
19,17 €
Finnish, Swedish, Norwegian, Danish securities
31,96 €
Other securities (7)
19,17 €
-
Subscription to a new issue
9,59 € + actual costs
-
Participating in an offer
9,59 € + actual costs
-
Based on enforcement instruments
Transaction fee
-
Securities transaction cancellation (13)
Transaction fee
8.
-
Transactions in Estonian Fund Units (14)
Subscription
With fund order
1,28 €
With standing order
0,64 €
With ECSD payment order (15)
1,60 €
31/56
-
Redemption
With fund order
1,28 €
With non-fund order
4,79 €
Based on enforcement instruments
6,39 €
-
Switch
4,79 €
-
Transaction without payment against defined counterparty
4,79 €
-
Transaction with payment against defined counterparty
3,20 €
-
Transactions with voluntary pension fund units
Transfer (2)
Redemption
3,20 €
Redemption application with entry into an additional funded
pension insurance agreement (16)
Transfer of inhereted units to inheritor securities account
Redemption of inhereted voluntary pension fund units
-
Securities transaction cancellation
9.
-
Transaction fee
Transactions in Foreign Fund Units (14) (17) (18)
1.00% + 6,39 €
Subscription
Foreign bond fund
0.50% + 6,39 €
Within fund portfolio
1.00% + 0,64 €
0,64 €
With standing order
-
1.00% + 6,39 €
Redemption
Foreign bond fund
0.00% + 6,39 €
On savings account
0.00% + 6,39 €
Based on enforcement instruments
Transaction fee
12,78 €
-
Switch
-
Transaction without payment against defined counterparty
6,39 €
-
Transaction with payment against defined counterparty
6,39 €
-
Securities transaction cancellation
Transaction fee
10. Monthly Securities Account Maintenance Fees (per Country) (19) (20)
Country
Maintenance Fee
Minimum Maintenance Fee
-
Brokerage account
0.012%
3,20 €
-
Savings account
0.025%
1,28 €
-
Estonia (21)
Up to 6391 €
0,64 €
0,64 €
From 6392 € to 63912 €
3,20 €
3,20 €
Over 63912 €
4,79 €
4,79 €
0.01%
1,60 €
0.003%
0,64 €
-
Latvia (21)
-
Lithuania (21)
-
Finland, Sweden, Norway, Denmark
0.01%
0,96 €
-
CEE, CIS countries
0.05%
1,28 €
-
Poland, Czech, Hungary
0.025%
1,28 €
-
Russia
0.06%
31,96 €
-
Russian Banks
0.40%
31,96 €
-
Other
0.01%
0,96 €
32/56
Country
-
Maintenance Fee
Minimum Maintenance Fee
Estonian fund units
Up to 6391 €
0,64 €
0,64 €
From 6392 € to 63912 €
3,20 €
3,20 €
Over 63912 €
4,79 €
4,79 €
0.025%
3,20 €
-
Foreign fund units
-
Swedbank interest bonds
Free of charge
Free of charge
-
Swedbank structured bonds
Free of charge
Free of charge
-
Empty securities account
0,64 €
0,64 €
3,20 €
3,20 €
Brokerage account
11. ECSD Account Statements (Frequency: Day, Decade, Month, Quarter, Year) (22)
-
By post in Estonia
0,96 € + VAT 20%
-
By post abroad
1,92 € + VAT 20%
-
By e-mail
0,32 € + VAT 20%
-
Cancellation of account statement
0,64 € + VAT 20%
12. Bank Account Staements (Frequency: Day, Decade, Month, Quarter, Year)
-
By fax in Estonia
0,64 € + VAT 20%
-
By fax abroad
1,60 € + VAT 20%
-
From Bank branch office – up to two months old transactions
0,64 € + VAT 20%
-
From Bank branch office – more than two months old
transactions
1,28 € + VAT 20%
-
From Bank branch office – printing a transaction order copy
0,13 € + VAT 20%
13. Other Services
-
Participation in a general shareholder’s meeting
-
Tax reclaim
-
Income tax relief at source
Separately agreed fee + VAT 20%
(1) Information on various securities accounts types terms and conditions is available by the way of contacting the Bank.
(2) Permitted only between the securities accounts of the same Client.
(3) Fee is debited from current account linked with a securities account.
(4) In case of foreign securities the possibility of the operation must be verified with the Bank.
(5) Only equity sales, incl exchange traded foreign funds.
(6) Trading fee is debited in trading currency.
(7) A stamp duty is charged on transactions with UK and Irish securities. The standard rate of buy transaction conducted with securities
registered in the UK is 0.50% or Ireland is 1.00% from the value of transaction. In certain events a higher rate (1.5%), a bonus rate or tax
exemption can be applied for securities registered in UK.
(8) Transaction fee will be added as stipulated in section 6. and 7 of this fee schedule.
(9) Trading through Bank brokerage requires the existence of the Master Agreement for Financial Transactions. Information on the Agreement is
available by the way of contacting the Bank.
(10) Free of charge if the transfer of securities to brokerage account is from the securities account of the same Client.
(11) Fee is charged from both parties of the pledge contract to register or change the pledge.
(12) Fee for delivery of securities against payment against defined counterparty is charged from a party submitting the sale order. The party
submitting the buy order is charged fee for receipt of securities without payment against defined counterparty.
(13) Trading order cannot be cancelled.
(14) A commission fee may be added dependent on the rules of respective fund.
(15) Cash transfer fee will be added; the fund unit in registered in ECSD.
(16) Free of charge if the supplementary funded pension insurance agreement is signed with Swedbank Life Insurance SE.
(17) A third party fee up to 100,00 € may bee added per transaction.
(18) Excluding exchange traded fund units; transaction fee stipulated in section 7 of this fee schedule is applied.
(19) VAT 20% added according to Value-Added Tax Act. No VAT is added if the securities portfolio comprises only the units or shares of an
investment fund specified in the Investment Funds Act or the units or shares of an investment fund of the European Economic Area member
state.
(20) The monthly maintenance fee is calculated on the basis of the value of the portfolio on the last date of the calendar month. The value of the
portfolio is calculated on the basis of the end-of-the-month price given by the depository of the respective security, market price of the respective
security or the nominal value. Upon calculation of the market value of the securities registered in the ECSD, it shall be proceeded from the price
determined by the ECSD. The nominal value is taken into account in case of bonds. The value of the portfolio of Russian securities is calculated
33/56
based on the information received from the sub-custodian. The monthly securities account maintenance fees are debited on the 20th day of the
month following each calendar month or later from the Client current account linked with a securities account.
(21) No monthly securities account maintenance fee is charged if Client only holds securities of either Estonian, Latvian or Lithuanian
companies currently under liquidation or in bankrupt and for which Estonian Central Register of Securities, Latvian Central Depository or Central
Securities Depository of Lithuania does not charge the account maintenance fee, i.e. there are no other Estonian, Latvian, Lithuanian or other
foreign companies’ securities on Client’s securities account. After cancelling those securities in Estonian Central Register of Securities, Latvian
Central Depository and Central Securities Depository of Lithuania monthly maintenance fee of empty securities account will be applied
according to clause 10 of this fee schedule.
(22) Free of charge, once a year on the basis of the relevant application of the Client.
Legal persons



For further details on amounts payable or paid please contact the Bank.
If the Bank is obliged to pay taxes, fees, interest, penalties or incur other similar costs as a result of the administration of the Client’s
Securities Account or the Securities Transactions that are not included in the Bank’s price list, the Bank shall have the right to debit
said amounts from the Client’s Current Account in the extent of said amounts without the consent of the Client.
For further information on Securities Transactions made available to non-Clients please contact the Bank. Securities Transactions of
non-Clients are subject to double fees.
1.
Account Opening (1)
-
Securities account
-
Pledge account
-
Strategic investments account
-
Brokerage account
-
Joint securities account
2.
Account Closing (1)
-
Securities account
-
Pledge account
-
Strategic investments account
-
Brokerage account
-
Joint securities account
3.
Account Transfer (1) (2)
-
Securities account balance transfer with ECSD registered
securities from another account administrator
-
Securities account balance transfer with ECSD registered
securities to another account administrator
-
Bank internal securities account balance transfer (3) (4)
4.
Trading: Orders through Bank Channels (5) (6)
25,56 €
Free of charge
63,91 €
Free of charge
Free of charge
19,17 €
Securities Account
Trading Fee
Brokerage Account (Only Internet Bank)
Minimum
Transaction Fee
Trading Fee
Minimum Transaction
Fee
Country
Stock Exchange
Estonia
OMX Tallinn
0.20%
3,20 €
0.10%
3,20 €
Latvia
OMX Riga
0.20%
3,20 €
0.10%
3,20 €
Lithuania
OMX Vilnius
0.20%
3,20 €
0.10%
3,20 €
Sweden
OMX Stockholm
0.20%
18,85 €
0.15%
14,06 €
Finland
OMX Helsinki
0.20%
18,85 €
0.15%
14,06 €
Denmark
OMX Copenhagen
0.20%
18,85 €
0.15%
14,06 €
Norway
Oslo SE
0.20%
18,85 €
0.15%
14,06 €
34/56
Securities Account
Country
Stock Exchange
Trading Fee
Brokerage Account (Only Internet Bank)
Minimum
Transaction Fee
Minimum Transaction
Fee
Trading Fee
NYSE
0.20%
18,85 €
0.15%
14,06 €
NASDAQ
0.20%
18,85 €
0.15%
14,06 €
OTC
0.20%
18,85 €
0.15%
14,06 €
Canada
Toronto SE
0.20%
18,85 €
0.15%
14,06 €
Germany
Xetra
0.20%
18,85 €
0.15%
14,06 €
Italy
Borsa Italiana
0.20%
18,85 €
0.15%
14,06 €
The Netherlands
Euronext Amsterdam
0.20%
18,85 €
0.15%
14,06 €
France
Euronext Paris
0.20%
18,85 €
0.15%
14,06 €
Portugal
Euronext Lisbon
0.20%
18,85 €
0.15%
14,06 €
Belgium
Euronext Brussels
0.20%
18,85 €
0.15%
14,06 €
Spain
Madrid SE
0.20%
18,85 €
0.15%
14,06 €
London SE
0.20%
18,85 €
0.15%
14,06 €
London International
(Russian and other GDRs)
0.20%
18,85 €
0.15%
14,06 €
Ireland (7)
Dublin SE
0.20%
18,85 €
0.15%
14,06 €
Switzerland
SIX Swiss SE
0.20%
18,85 €
0.15%
14,06 €
Austria
Vienna SE
0.25%
18,85 €
0.20%
14,06 €
Hungary
Budapest SE
0.25%
18,85 €
0.20%
14,06 €
Czech
Prague SE
0.25%
18,85 €
0.20%
14,06 €
Poland
Warsaw SE
0.25%
18,85 €
0.20%
14,06 €
Russia
Micex-RTS
0.30%
50,81 €
0.30%
50,81 €
USA
UK (7)
5.
Trading: Orders Through Bank Brokerage (5) (8) (9)
Country
Stock Exchange
Estonia
OMX Tallinn
0.20%
6,39 €
Latvia
OMX Riga
0.20%
14,00 €
Lithuania
OMX Vilnius
0.20%
14,00 €
Sweden
OMX Stockholm
0.20%
250,00 SEK
Finland
OMX Helsinki
0.20%
25,00 €
Denmark
OMX Copenhagen
0.20%
200,00 DKK
Norway
Oslo SE
0.20%
200,00 NOK
NYSE
0.20%
25,00 USD
NASDAQ
0.20%
25,00 USD
OTC
0.20%
25,00 USD
Canada
Toronto SE
0.20%
25,00 CAD
Germany
Xetra
0.20%
25,00 €
Italy
Borsa Italiana
0.20%
25,00 €
The Netherlands
Euronext Amsterdam
0.20%
25,00 €
France
Euronext Paris
0.20%
25,00 €
Portugal
Euronext Lisbon
0.20%
25,00 €
Belgium
Euronext Brussels
0.20%
25,00 €
Spain
Madrid SE
0.20%
25,00 €
UK (7)
London SE
0.20%
25,00 GBP
USA
Trading Fee
Minimum Transaction Fee
35/56
Country
Stock Exchange
Trading Fee
Minimum Transaction Fee
London International (Russian and other
GDRs)
0.20%
25,00 USD
Ireland (7)
Dublin SE
0.20%
25,00 €
Switzerland
SIX Swiss SE
0.20%
35,00 CHF
Austria
Vienna SE
0.25%
25,00 €
Hungary
Budapest SE
0.25%
7000,00 HUF
Czech
Prague SE
0.25%
650,00 CZK
Poland
Warsaw SE
0.25%
100,00 PLN
Russia
Micex-RTS
Bulgaria
Sofia SE
Slovakia
0.30%
150,00 USD
0.60%+150,00 BGN
150,00 BGN
Bratislava SE
0.70%
75,00 €
Slovenia
Ljubljana SE
0.70%
75,00 €
Croatia
Zagreb SE
0.75%
550,00 HRK
Romania
Bucharest SE
0.85%
325,00 RON
Serbia
Belgrade SE
0.80%
7500,00 RSD
Turkey
ISE
0.25%
150,00 TRY
6.
Transactions in Estonian Securities
-
Delivery/ receipt of securities without payment against defined
counterparty (10)
-
Delivery/ receipt of securities against payment against defined
counterparty
3,20 €
-
Confirmation of stock exchange transaction
3,20 €
-
Registering/ changing a pledge (11)
8,00 €
-
Transaction with pledged securities (12)
-
Changing financial pledge
On brokerage account
-
4,79 €
6,39 €
19,17 €
Changing of pledgee (13)
25,56 €
Changing of other records
Free of charge
Swedbank interest bond
Subscription
3,20 €
Pre-mature redemption
3,20 €
Redemption
Free of charge
-
Subscription to a new issue
3,20 €
-
Participating in an offer
3,20 €
-
Securities transaction cancellation (14)
7.
Transaction fee
Transactions in Foreign Securities
-
Bank internal securities transaction (10)
-
Bank external securities transaction, settlement on according
local market
6,39 €
Latvian, Lithuanian securities
19,17 €
Finnish, Swedish, Norwegian, Danish securities
31,96 €
Other securities (7)
19,17 €
-
Subscription to a new issue
9,59 € + actual costs
-
Participating in an offer
9,59 € + actual costs
-
Securities transaction cancellation (14)
Transaction fee
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8.
-
-
Transactions in Estonian Fund Units (15)
Subscription
With fund order
1,28 €
With standing order
0,64 €
With ECSD payment order (16)
1,60 €
Redemption
With fund order
1,28 €
With non-fund order
4,79 €
-
Switch
4,79 €
-
Transaction without payment against defined counterparty
4,79 €
-
Transaction with payment against defined counterparty
-
Securities transaction cancellation
9.
-
3,20 €
Transaction fee
Transactions in Foreign Fund Units (15) (17) (18)
1.00% + 6,39 €
Subscription
Foreign bond fund
0.50% + 6,39 €
Within fund portfolio
1.00% + 0,64 €
0,64 €
With standing order
-
1.00% + 6,39 €
Redemption
0.00% + 6,39 €
Foreign bond fund
12,78 €
-
Switch
-
Transaction without payment against defined counterparty
6,39 €
-
Transaction with payment against defined counterparty
6,39 €
-
Securities transaction cancellation
Transaction fee
10. Monthly Securities Account Maintenance Fee (per Country) (19) (20)
Country
Maintenance Fee
Minimum Maintenance Fee
0.012%
3,20 €
4,79 €
4,79 €
Up to 3195582 €
0.003%
9,59 €
Over 3195582 €
95,87 € + 0.001% for portfolio
over 3195582 €
95,87 €
-
Brokerage account
-
Strategic investment account
-
Estonia (21)
0.01%
9,59 €
0.003%
6,39 €
Finland, Sweden, Norway, Denmark
0.01%
4,79 €
-
CEE, CIS countries
0.05%
6,39 €
-
Poland, Czech, Hungary
0.025%
6,39 €
-
Russia
0.06%
31,96 €
-
Russian Banks
0.40%
31,96 €
-
Other
0.01%
4,79 €
-
Estonian fund units
Up to 3195582 €
0.003%
9,59 €
Over 3195582 €
95,87 € + 0.001% for portfolio
over 3195582 €
95,87 €
Foreign fund units
0.025%
3,20 €
-
Latvia (21)
-
Lithuania (21)
-
-
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Country
Maintenance Fee
Minimum Maintenance Fee
-
Swedbank interest bonds
Free of charge
Free of charge
-
Swedbank structured bonds
Free of charge
Free of charge
-
Empty securities account
6,39 €
6,39 €
3,20 €
3,20 €
Brokerage account
11. ECSD Account Statements (Frequency: Day, Decade, Month, Quarter, Year) (22)
-
By post in Estonia
0,96 € + VAT 20%
-
By post abroad
1,92 € + VAT 20%
-
By e-mail
0,32 € + VAT 20%
-
Cancellation of account statement
0,64 € + VAT 20%
12. Bank Account Staements (Frequency: Day, Decade, Month, Quarter, Year)
-
By fax in Estonia
0,64 € + VAT 20%
-
By fax abroad
1,60 € + VAT 20%
-
From Bank branch office – up to two months old transactions
0,64 € + VAT 20%
-
From Bank branch office – more than two months old
transactions
1,28 € + VAT 20%
-
From Bank branch office – printing a transaction order copy
0,13 € + VAT 20%
13. Other Services
-
Participation in a general shareholder’s meeting
-
Tax reclaim
-
Income tax relief at source
Separately agreed fee + VAT 20%
(1) Information on various securities accounts types terms and conditions is available by the way of contacting the Bank.
(2) Permitted only between the securities accounts of the same Client.
(3) Fee is debited from current account linked with a securities account.
(4) In case of foreign securities the possibility of the operation must be verified with the Bank.
(5) Only equity sales, incl exchange traded foreign funds.
(6) Trading fee is debited in trading currency.
(7) A stamp duty is charged on transactions with UK and Irish securities. The standard rate of buy transaction conducted with securities
registered in the UK is 0.50% or Ireland is 1.00% from the value of transaction. In certain events a higher rate (1.5%), a bonus rate or tax
exemption can be applied for securities registered in UK.
(8) Transaction fee will be added as stipulated in section 6. and 7 of this fee schedule.
(9) Trading through Bank brokerage requires the existence of the Master Agreement for Financial Transactions. Information on the Agreement is
available by the way of contacting the Bank.
(10) Free of charge if the transfer of securities to brokerage account is from the securities account of the same Client.
(11) Fee is charged from both parties of the pledge contract to register or change the pledge.
(12) Fee for delivery of securities against payment against defined counterparty is charged from a party submitting the sale order. The party
submitting the buy order is charged fee for receipt of securities without payment against defined counterparty.
(13) Fee is charged from new pledgee.
(14) Trading order cannot be cancelled.
(15) A commission fee may be added dependent on the rules of respective fund.
(16) Cash transfer fee will be added; the fund unit in registered in ECSD.
(17) A third party fee up to 100,00 € may bee added per transaction.
(18) Excluding exchange traded fund units: transaction fee stipulated in section 7 of this fee schedule is applied.
(19) VAT 20% added according to Value-Added Tax Act. No VAT is added if the securities portfolio comprises only the units or shares of an
investment fund specified in the Investment Funds Act or the units or shares of an investment fund of the European Economic Area member
state.
(20) The monthly maintenance fee is calculated on the basis of the value of the portfolio on the last date of the calendar month. The value of the
portfolio is calculated on the basis of the end-of-the-month price given by the depository of the respective security, market price of the respective
security or the nominal value. Upon calculation of the market value of the securities registered in the ECSD, it shall be proceeded from the price
determined by the ECSD. The nominal value is taken into account in case of bonds. The value of the portfolio of Russian securities is calculated
based on the information received from the sub-custodian. The monthly securities account maintenance fees are debited on the 20th day of the
month following each calendar month or later from the Client current account linked with a securities account.
(21) No monthly securities account maintenance fee is charged if Client only holds securities of either Estonian, Latvian or Lithuanian
companies currently under liquidation or in bankrupt and for which Estonian Central Register of Securities, Latvian Central Depository or Central
Securities Depository of Lithuania does not charge the account maintenance fee, i.e. there are no other Estonian, Latvian, Lithuanian or other
foreign companies’ securities on Client’s securities account. After cancelling those securities in Estonian Central Register of Securities, Latvian
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Central Depository and Central Securities Depository of Lithuania monthly maintenance fee of empty securities account will be applied
according to clause 10 of this fee schedule.
(22) The annual statement is issued automatically free of charge. The price of a repeated statement is two times the initial price.
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Transactions in derivative instruments
01.01.2014
1.
Equity Options
Country (1) (2)
Transaction Fee (3)
Minimum Transaction
Fee
Contract Fee (4)
Option Usage Fee (5) (6)
Estonia
1.00%
5,00 €
Free of charge
0.20%
Latvia
1.00%
5,00 €
Free of charge
0.20%
Lithuania
1.00%
5,00 €
Free of charge
0.20%
Sweden
2.50%
150,00 SEK
Free of charge
0.20%
USA
0.00%
Free of charge
5,00 USD
0.20%
Germany
0.00%
Free of charge
5,00 EUR
0.20%
Italy
0.00%
Free of charge
5,00 EUR
0.20%
The Netherlands
0.00%
Free of charge
5,00 EUR
0.20%
France
0.00%
Free of charge
5,00 EUR
0.20%
Finland
0.00%
Free of charge
5,00 EUR
0.20%
Belgium
0.00%
Free of charge
5,00 EUR
0.20%
UK
0.00%
Free of charge
5,00 GBP
0.20%
Switzerland
0.00%
Free of charge
5,00 CHF
0.20%
Austria (7)
To be agreed
Free of charge
Free of charge
To be agreed
Czech (7)
To be agreed
Free of charge
Free of charge
To be agreed
Poland (7)
To be agreed
Free of charge
Free of charge
To be agreed
2.
Equity Futures
Country (1) (2)
USA
Contract Fee (8)
7,00 USD
Germany
7,00 €
Italy
7,00 €
The Netherlands
7,00 €
France
7,00 €
Belgium
7,00 €
Sweden
7,00 €
UK
4,00 GBP
Switzerland
7,00 CHF
(1) Country means the place (jurisdiction) where the equity, being the underlying of the options or futures transaction, is registered.
(2) The list of countries is not exhaustive, transactions with derivative instruments of such countries that are not on the list shall be be concluded
on agreement with the broker.
(3) Fee shall be calculated from the total price (total premium) paid for the equity options. Total price = number of shares x premium per one
share.
(4) Contract fee is a fixed price for one option contract which is independent of the the number of shares included in the contract or the price
(premium) of the equity option.
(5) In case the options are realised in the form of usage (physical settlement), the options usage fee shall be calculated on the amount
corresponding to the current market value of the shares to be obtained by usage of the option (in case of Estonian, Latvian and Lithuanian
options) or on the amount corresponding to the transaction price (strike) of the equity option (in case of all other options).
(6) Fee for securities transactions will be added according to private customer or corporate customer Transactions in Securities fee schedule
section 6 or 7.
(7) Both making of transactions and size of the fee shall be agreed upon with the broker.
(8) Contract fee is a fixed price for one future which is independent of the number equity acquisition or sales obligations included in the future.
Other conditions
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


Derivative instruments and transactions with derivative instruments (excl usage of option in the form of physical delivery) shall not be
reflected on the Client’s securities account. Purchase transaction of a derivative instrument and, in case of options, the realisation of
the option in the form of cash settlement shall be reflected on the Client’s current account.
Preconditions of trading derivative instruments are having a current account in Swedbank and the existence of Master Agreement for
Financial Transactions. Information on the Agreement is available by the way of contacting the Bank.
Material terms of the derivative instrument transaction are included in the trade confirmation which shall be sent to the Client by the
Bank after the making of the transaction. In case the trade confirmation is lost, destroyed or to receive additional information about the
unrealised derivative instrument transactions, we advise the Client to contact the Bank via e-mail maaklerid@swedbank.ee.
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Mandatory funded pension
Effective as of 01.08.2011
1. Submission of a selection application
1.1 A funded pension selection application
free of charge
1.2 A funded pension selection application in the Internet Banking
free of charge
1.3 A funded pension selection application through an authorised private person
4,79 €
1.4 Funded pension selection application through an authorised legal person
4,79 €
2. Exchange of the pension fund
2.1 Pension fund exchange application
free of charge
2.2 Pension fund exchange application through an authorised private person
7,99 €
2.3 Pension fund exchange application through an authorised legal person
7,99 €
3. Succession application
3.1 An application where it is requested that the inherited pension fund units be recovered
20 €
3.2 An application where it is requested that the inherited pension fund units be transferred to
the successor’s pension account
3€
4. Pension account statements
4.1 Confirmation of subscription in a bank branch or in the Internet Banking
free of charge
4.2 Pension account balance notice
free of charge
4.3 Pension account operations (1)
1,60 €
4.4 Pension account operations in the Internet Banking
free of charge
5. Submission of Payout Applications
5.1 Single Payout Application
free of charge
5.2. Funded Pension Application
free of charge
5.3 Funded Pension Amendment Application
free of charge
5.4 Funded Pension Termination Application
free of charge
(1) VAT at the rate of 20% will be added to the price.
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Electronic channels
INTERNET-BANK FOR BUSINESS CLIENTS
Effective as of 01.09.2015
Package I
- monthly fee
free of charge
- intra-bank payment in EUR
0,16 €
- domestic payment in EUR
0,38 €
Package II
- monthly fee
20 €
- intra-bank payment in EUR
0,06 €
- domestic payment in EUR
0,38 €
Monthly fee of the group account module
20 €
Monthly fee of Baltic Reports
13 €
Monthly fee of Baltic Reports for the customers of the group account module of internetbank for business clients
6,40 €
SWEDBANK GATEWAY
Effective as of 01.01.2012
Package I – payments and account information
- subscription, including ordering the device sertificate
50 €
- monthly fee
25 €
- intra-bank payment in EUR
0,16 €
- domestic payment in EUR
0,38 €
- current day account statement
0,50 €/ query
Package II – payments, account information and other services (e.g. alert, e-bill)
- subscription
50 €
- monthly fee
50 €
- intra-bank payment in EUR
0,16 €
- domestic payment in EUR
0,38 €
- current day account statement
0,50 €/ query
- alert
0,10 €/ alert
INTERNET BANK FOR PRIVAT CLIENTS
Effective as of 20.12.2007
Monthly fee
free of charge
Intra-bank payment in EUR
0,16 €
- for up to 25-year-olds (incl.)
free of charge (1)
- for seniors (over 60 years of age, incl.)
free of charge (1)
Domestic payment in EUR
0,38 €
Notification of services by an SMS or e-mail at the customer’s request
0,19 €
TELEPHONE BANK
Effective as of 01.09.2015
Subscription
free of charge
Monthly fee of the operator service
free of charge
Payments via the operator service
- intra-bank payment in EUR
2,30 €
- domestic payment in EUR
3,20 €
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MOBILE
Effective as of 01.10.2014
Addition of calling time
- entry into an agreement
free of charge
- addition of calling time
0,16 € (free of charge for people up to 25
and over 60 years of age)
Balance in mobile
- entry into an agreement
free of charge
- each balance query (a call at number 1503)
call minute charge according to the
operator’s price list, Swedbank does not
charge extra
Alerts
- entry into an agreement
free of charge
- each alert sent by the bank
0,19 €
Mobile payment
Private person
- subscription fee
none
- mobile payment from a private person to a private person (intra-bank and domestic)
free of charge
- receipt of a mobile payment
free of charge
- call minute charge
call minute charge according to the
operator’s price list, Swedbank does not
charge extra
BANK LINK
Effective as of 31.03.2014
Subscription
65 €
Transaction fee
1% of the purchase price, no less than
0,13 € but no more than 3,20 € per
transaction
Authentication fee
0,11 € per instance (2)
Amendment of a Bank link agreement
15 €
FEES OF IDENTIFICATION TOOLS USED IN ELECTRONIC CHANNELS
Effective as of 01.09.2015
Issuing a PIN calculator
15 €
Unlocking a PIN calculator
2€
Replacement of a password card
3€
Client’s confirmation certificate (B4B) on a crypto-stick (3)
issuance fee 125 €
The prices of payments made in electronic channels (Internet Banking,, Internet-Bank for business clients, Swedbank Gateway) have been
given under the Bank transfers menu item.
(1) The discount only applies when making payments from one’s own account.
(2) VAT at the rate of 20% will be added to the price.
(3) The period of validity of the certificate on a crypto-stick is in the certificate's data. The certificate on the crypto-stick is used for signing
payments in the Swedbank Gateway channel.
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Documentary credits, collections and guarantees
Effective as of 18.05.2015
1. Guarantees and standby letters of credit
1.1. Contract fee
Fee for issuing the guarantee or stand-by letter of credit. Fee shall also be
charged in the event of extending the guarantee or stand-by letter of credit and/or
increasing the amount thereof. When increasing the amount of the guarantee or
stand-by letter of credit without extending the validity the fee shall be calculated on
the increased amount.
1.2 Risk fee
Fee for issuing a guarantee or stand-by letter of credit without any
cash cover, i.e. for issuing a guarantee or letter of credit without debiting upon
issuance the amount of the guarantee or letter of credit from the applicant’s
current account.
1.3 Advising fee
Fee for verifying the authenticity of the guarantee or stand-by
letter of credit and/or notifying the beneficiary of the guarantee or stand-by letter of
credit.
validity period up to 1 year (incl.), 0.5%
p.a. but not less than 79 €
validity period longer than 1 year, 0.5% of
the amount, but not less than 79 €
shall be specified separately for each
applicant
79 €
1.4 Fee for using non-standard wording
Fee for using non-standard wording of the guarantee or standby
letter of credit insisted by the beneficiary. The fee shall be calculated as a
percentage of the amount of the guarantee or standby letter of credit. Swedbank
shall have to have approved the wording in advance.
0,15%, but not less than 100 € and not
more than 200 €
1.5 Amendment fee
Fee for amending the guarantee or standby letter of credit, verifying the
authenticity of the amendments and/or notifying the beneficiary of the
amendments. Fee shall not be applied when extending Swedbank guarantee or
stand-by letter of credit and/or increasing the amount thereof.
79 €
1.6 Fee for handling of a claim
Fee for handling the guarantee or standby letter of credit claim
documents and/or forwarding the claim documents. The fee shall be calculated as
a percentage of the amount of the claim. If the amount of the fee is below the
established minimum limit, the fee shall be the corresponding minimum limit.
0,1%, but not less than 150 €
2. Import documentary credits (except standby letters of credit): Swedbank
client is the applicant for the documentary credit, i.e. the purchaser of goods
or services
2.1 Fee for opening a documentary credit with cash cover
2.2 Risk fee
Fee for opening a documentary credit (credit) without any cash cover, i.e. for
opening a credit in the event of which upon issuance the amount of the credit is
not debited from the applicant’s account.
1% p.a.
shall be specified separately for each
applicant
2.3 Issuing commission
Commission for assuming an irrevocable financial and temporary liability against
the seller, i.e. the beneficiary of the credit (beneficiary). The commission shall be
calculated as a percentage of the maximum amount of the credit, proceeding
from the term of the credit, which is calculated in calendar days. The term shall
commence on the day of issuing a credit and expire on the day of expiry thereof. If
the amount of the issuing commission is below the established minimum limit, the
issuing commission shall be the corresponding minimum limit. The issuing
commission shall also be charged in the event of extending the credit and/or
increasing the amount thereof.
If the validity of a credit is 1-90 days
the issuing commission shall be
0.25% of the maximum amount of
the credit, but not less than 100 €
validity 91-180 days
0.5%, but no less than 200 €
validity 181-270 days
0.75%, but no less than 300 €
validity 271-360 days
1%, but no less than 400 €
validity more than 360 days
fee as agreed
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2.4 Documentary and/or payment commission
Commission for verification of compliance of one set of documents or payment of
money on the basis of a credit if the applicant does not wish the documents to be
submitted. The commission shall be calculated as a percentage of the value of the
documents or the amount of the payment. If the amount of the commission is
below the established minimum limit, the commission shall be the corresponding
minimum limit.
0.1%, but not less than 100 €
2.5 Amendment fee
Fee for amending the terms and conditions or cancellation of the credit if the
applicant or the beneficiary or any other party to the credit has applied for
amending the terms and conditions or cancellation of the credit following opening
a credit. No fee shall be charged if the beneficiary initiates cancellation of the
credit, i.e. refuses the credit.
79 €
2.6 Deferred payment and/or acceptance fee
Fee for the following: the credit is paid out at maturity following the acceptance of
the bill of exchange or the credit is paid out on a certain day calculated pursuant to
a formula specified in the terms and conditions of the credit.
79 €
2.7 Fee for release of the goods
Fee for assigning the right of ownership of the goods if the goods have been sent
to the name of Swedbank. The fee shall be calculated as a percentage of the
value of the documents. If the amount of the fee is below the established minimum
limit, the fee shall be the corresponding minimum limit. No fee shall be charged if
the goods have been sent to the name of Swedbank upon the request of
Swedbank.
2.8 Transfer commission
Commission for the following: upon the request of the beneficiary, Swedbank
transfers the transferable credit to second beneficiary. The commission shall be
calculated as a percentage of the amount of the transferred credit. If the amount of
the commission is below the established minimum limit, the commission shall be
the corresponding minimum limit.
2.9 Pre-Advice of the credit
Fee for notifying the beneficiary of the preliminary advice of the issuance or
amendment of the credit.
2.10 Discrepancy fee
Fee for time cost and other costs if the beneficiary has submitted documents not
in accordance with the terms and conditions of the credit. The fee shall be paid by
the beneficiary.
0.15%, but not less than 79 €
0.25%, but not less than 150 €
50 €
60 € or USD 78 (1)
3. Export documentary credits: Swedbank client is the beneficiary of the
documentary credit, i.e. the seller of goods or services
3.1 Advising fee
Fee for verifying the authenticity of the credit and/or notifying
the beneficiary of a credit of the same
3.2 Documentary commission
Commission for verification of compliance of one set of documents and/or
forwarding the same to the issuing bank in the form they were submitted. The
commission shall be calculated as a percentage of the value of the documents. If
the amount of the commission is below the established minimum limit, the
commission shall be the minimum limit.
3.3 Fee for draft documents examination
Commission for verification of compliance of one set of draft documents. Under
the same presentation the examination of each extra set of draft documents shall
be attached an extra charge.
3.4 Confirmation commission
Commission for confirming the credit. By confirming the credit, Swedbank
assumes the payment risk of the issuing bank. The commission shall be
calculated as a percentage of the maximum amount of the credit per the maximum
term of the risk (in calendar days). The maximum term of the risk shall be, in
general, the term of the credit plus the longest possible payment term in calendar
days. If the amount of the commission is below the established minimum limit, the
commission shall be the minimum limit.
3.5 Discounting commission
Commission for the prepayment or purchase a bill of exchange accepted or a
deferred payment undertaking incurred by Swedbank. The commission shall be
calculated pursuant to the discounting rate, which is the LIBOR of the
corresponding currency plus risk premium
79 €
0.1%, but not less than 100 €
50 €, extra charge 25 €
shall be specified separately for each
issuing bank, but it shall be not less
100 €
shall be specified separately for each
issuing bank, but it shall be not less than
79 €
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3.6 Payment and/or negotiation commission
The commission shall be charged if in the credit Swedbank has been specified as
a nominated bank and it negotiates the documents of the credit or pays out the
amount of the credit.
3.7 Deferred payment commission
Commission for the following: the credit is paid out at maturity after the
acceptance of the bill of exchange or on a certain day calculated pursuant to the
formula specified in the terms and conditions of the credit.
3.8 Fee for assignment of the proceeds
The beneficiary may irrevocably assign to a third person a right that it has with
regard to the amount of the credit or a part thereof. If the money has been
received on the basis of the credit, Swedbank shall pay out the assigned amount
without any further orders of the beneficiary. The beneficiary cannot revoke the
assignment without the consent of the third person.
3.9 Amendment fee
Fee for verifying the authenticity of the amendment of the credit and/or notifying
the beneficiary of the amendment, as well as fee for refusing the credit and/or
revoking the credit if the beneficiary has initiated the refusal and/or revocation
before the expiry date of the credit. If the applicant for the credit initiates
revocation of the credit, the fee shall be charged from the applicant.
3.10 Transfer commission
Commission for the following: upon the request of the beneficiary, Swedbank
transfers the transferable credit to second beneficiary. The commission shall be
calculated as a percentage of the amount of the transferred credit. If the amount of
the commission is below the established minimum limit, the commission shall be
the corresponding minimum limit.
3.11 Pre-Advice of the credit
Fee for notifying the beneficiary of the preliminary advice received of the issuance
or amendment of the credit. The fee shall be charged only if the issuing bank
sends such a preadvice.
not less than 0.1%
79 €
100 €
79 €
0.25%, but not less than 150 €
50 €
4. Documentary collections
4.1. Documents against payment
The documents of the collection shall be released to the drawee only following the
payment of the amount of collection in full. The fee shall be calculated as a
percentage of the amount of collection.
0.15%, no less than 100 €
4.2 Documents against acceptance
The documents of the collection shall be released to the drawee following the
acceptance of the bill of exchange or assumption of the fixed-term payment
obligation. The fee shall be calculated as a percentage of the amount of collection.
0.25%, no less than 130 €
4.3 Release of the documents free of payment
The documents are released to the drawee free of payment according to the
instructions of the remitting bank.
79 €
4.4 Fee for amendment of collection instruction
Fee for formalising amendments to collection instruction, verifying the authenticity
of the amendments and/or notifying the drawee of the amendments.
79 €
4.5 Fee for dishonour
Fee for refusing collection. The fee is usually paid by the principal of the collection.
79 €
4.6 Fee for release of the goods
Fee for assigning the right of ownership of the goods if the goods have been sent
to the name of Swedbank. The fee shall be calculated as a percentage of the
amount of collection. If the amount of the fee is below the established minimum
limit, the fee shall be the corresponding minimum limit. No fee shall be charged if
the goods have been sent to the name of Swedbank upon the request of
Swedbank.
0.15%, but not less than 79 €
4.7 Fee for assignment of the proceeds
The principal of the collection may irrevocably assign to a third person a right that
it has with regard to the amount of collection or a part thereof. If the money has
been received on the basis of collection, Swedbank shall pay out the assigned
amount without any further orders of the principal of the collection. The principal of
the collection cannot revoke the assignment without the consent of the third
person.
100 €
4.8 Fee for protesting a bill of exchange
The fee shall have to be paid if at maturity date of the bill of exchange there is no
money on the drawee’s account for effecting the payment and Swedbank protests
the bill of exchange in accordance with the instructions of the principal of the
collection.
100 €
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4.9 Partial payment fee
The collection amount is paid out by part payments instead of one payment. The
fee is applicable from the second payment for each payment effected.
5. Communication and postal charges shall be attached to the
documentary credits, collections guarantees and stand-by letters of credit.
79 € per payment
charges are paid on the basis of the
actual cost thereof, the minimum amount
thereof is 15 €
(1) For currencies other than EUR and USD the fee shall be calculated using European Central Bank’s rates applicable on letter
of credit issuing date.
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Additional services
Effective as of 08.02.2016
1. Cancellations, amendments and queries for payments
1.1 Cancellation of inter-bank payment
1.1.1 not credited to customer account (1)
3,20 €
1.1.2 credited to customer account (5)
10 €
1.2 Cancellation of domestic payment
1.2.1 an order not sent out of the bank (1)
3,20 €
1.2.2 an order sent out of the bank (5)
10 €
1.3 Cancellation and amendment of international payment
1.3.1 an order not sent out of the bank (1)
20 €
1.3.2 an order has been sent out of the bank (5)
20 € + costs of foreign banks
2.1 Queries about payments
2.1 regarding domestic payments
10 €
2.2 regarding payments up to 3 months old
16 € + costs of foreign banks
2.3 regarding payments over 3 months old
32 € + costs of foreign banks
2.4 copy of the SWIFT/SEPA message
-
one-time order
10 €/piece
-
from Internet-Bank
free of charge
3. Certificates
3.1 A certificate regarding account
4€
3.2 An extract from the commercial register
4€
3.3 Certificates for audit firms
20 € /piece
- in the case of groups
20 € per member
3.4 Formalisation of powers of attorney
free of charge
3.5 Special query (including data to an electronic data meedium)
30 €/hour
3.6 Ordering a copy of an original document from the archive
8 €/ document
3.7 Authentication of a copy of a bank operation
2€
3.8 Issuing copies (incl. digital) of documents related to the client’s transaction (6)
9€
3.9 Certificates of credit products
3.9.1 Certificate of existence, conditions, fulfilment, amendments, etc., of a credit product
(per credit agreement in Estonian or in English)
- private person
4€
- legal person
4€
3.9.2 Special or integrated ceritificate of one or several credit agreements ( certificate in
Estonian or in English)
30 €/hour
3.9.3 Certificate of loan interest paid previous years (in Estonian or in English ) of a credit
product (per year and per credit product)
4€
3.9.4 Certificate of housing loan interest paid last year (in Estonian)
free of charge
3.9.5 Certificate of housing loan interest paid last year (iin English)
1,60 €
4. Sending bank documents
4.1 By post or fax
- to Estonia
2 € (2)
- abroad
4 € (2)
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4.2 By DHL
the actual cost, debited later on the basis
of an invoice
5. SWIFT services
5.1 SWIFT services from an account held with a foreign bank
5.1.1 SWIFT MT940 – incoming statement
agreement fee
25 € (3)
monthly account fee
25 € (3)
sending statements to a customer
free of charge
5.1.2 SWIFT MT101 – outgoing payment order
agreement fee
25 € (3)
monthly account fee
25 € (3)
sending a payment order to a foreign bank (Internet-Bank for business clients)
1€
sending a payment order to a foreign bank (from a branch) (4)
5€
5.2 SWIFT services from an account held with Swedbank
5.2.1 SWIFT MT940 – outgoing statement
agreement fee
25 € (3)
monthly account fee
35 € (3)
5.2.2 SWIFT MT941 – outgoing statement of intra-day account balance
agreement fee
5.2.3 SWIFT MT942 – outgoing statement of intra-day operations
agreement fee
1 € message
25 €
1 € message
25 €
5.2.4 SWIFT MT101 – incoming payment order
agreement fee
25 € (3)
monthly account fee
35 € (3)
making payment orders
according to the payments price list in the
branch
6. Additional settlement services for legal person
6.1 Settlement consultations
60 €/ hour (2)
6.2 Setting a pledge on current account
500 €
7. Other
7.1 Issuing new PINs and PUKs to ID card holders in a Swedbank branch
2€
7.2 ID card reader
5 € (2)
7.3 Delivery of a parcel to a customer by a courier
1,60 €
7.4 Confirmation of electronic payments by phone
free of charge
7.5 Deposit box rent (6)
A box with a height of 50 mm
- monthly fee
15 €
A box with a height of 75 mm
- monthly fee
15 €
A box with a height of 125 mm
- monthly fee
25 €
A box with a height of 175 mm
- monthly fee
25 €
A box with a height of 300 mm
- monthly fee
7.6 Security deposit of the keys to a deposit box
30 €
200 €
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7.7 Loss of a deposit box key (2)
the actual costs arising from opening the
deposit box
(1) The price does not apply to payments with future value date if the payment is cancelled before the arrival of the payment date.
(2) VAT at the rate of 20% will be added to the price.
(3) Upon concurrent validity of both agreements.
(4) The service is provided if by Swedbank’s fault the customer who usually uses an electronic channel for sending a payment order does not
have the chance to use an electronic channel.
(5) The bank will not return the service charges paid by the remitter, if the payment could not be cancelled/amended.
(6) The price is inclusive of VAT at the rate of 20%.
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Services for merchants and service enterprises
Effective as of 01.09.2015
1. Bank link
Subscription
65 €
Transaction fee
1% of the purchase price, no less than
0,13 €, but no more than per
transaction
3,20 €
Authentication fee
0,11 € per instance (2)
Amendment of a Bank link agreement
15 €
2. Servicing payment cards (for merchants)
2.1 Commission fee on the transaction amount
as agreed
imprinter transaction
3.45%
A Card Not Presented transaction (transaction on the Internet, by fax)
3.45%
2.2 Fee for a technical device (1)
rent of a payment terminal
as agreed
installation of terminal on following banking day
100 €
installation of terminal within 10 banking days
free of charge
replacement of card payment terminal at the client’s request by calling out a
technician
15 €
penalty for failure to return payment terminal on time
cost of terminal according to certificate
2.3 Payment card service on the Internet (for merchants)
2.3.1 Commission on transaction amount
as agreed
2.3.2 Technical equipment fee
contract fee
64 €
i-payment terminal rental
20€/month (1)
2.4 Retrieval of bank cards from other banks from Swedbank ATMs
30 €
2.5 Free for amendment of payment card service contract
15 €
3. E-invoice
3.1 E-invoice sending service (2)
subscription
30 €
amendment
10 €
subscription to domestic e-invoice service (3)
8€
3.2 The fee for sending a e-invoice (per invoice sent) (2)
intra-bank invoice
0,19 €
domestic invoice
0,50 €
e-invoice credit note
free of charge
printout and posting of one invoice of one page
0,58 €
printout of each following page of the invoice
0,11 €
3.3 Implementation of the company’s design template in the Swedbank Internet bank (2)
the first implementation
32 €
each subsequent change of the template
28 €
3.4 Agreement about reports (based on e-invoice agreement) (2)
e-invoice standing order agreements report fee
9,50 €/ month
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e-invoice standing order agreements payments report fee
9,50 €/ month
(1) The price is inclusive of VAT at the rate of 20%.
(2) VAT at the rate of 20% will be added to the price.
(3) The fee will be calculated for each e-invoice sending registartion application sent to bank, who is member in cross- usage system.
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Maturities of Services
01.09.2015
CASH
At bank office
- will be immediately transferred to the payer’s account;
depositing
- will be transferred to the payer’s account within 1 hour.
Amounts paid in at online depositor will be transferred to the payer’s account immediately.
Amounts deposited via collection are transferred to accounts during the deadline agreed with the
collection company.
payment
Payment of the reserved amounts of the euro shall be made on the following 2 banking days after the
submission of the reservation application is filed if the reservation application is filed for bank on the
banking day before 2:00 PM.
Reserved currencies are paid out as agreed between the client and the bank.
OPENING A CURRENT ACCOUNT
Decision is made within 5 banking days of receipt of all required documents
- In the case of private persons who are not citizens of the Republic of Estonia or do not hold an
Estonian residence permit (a long-term resident’s residence permit or a temporary residence permit for
at least one year)
The decision of current account
openening
- In the case of legal entities who are registered in a European Union Member State (except for Cyprus,
Malta, Luxembourg, the United Kingdom) and Norway
The decision on whether or not a current account is opened or any other product contracts are
entered into is made within 10 banking days of receipt of all required documents
- In the case of legal entities registered outside European Union Member States and Norway. The
decision-making time shall also apply to legal entities registered in Cyprus, Luxembourg, Malta and the
United Kingdom
BANK TRANSFERS
Properly prepared payments sent to the bank before 10 pm are debited from the payer’s account on the
same date, and payments sent to the bank after 10 pm are debited on the next date.
Incoming domestic payments
An incoming domestic payment is transferred to the beneficiary's account on the settlement day of
receipt of the money provided that the beneficiary's details are correct.
Outgoing regular domestic payments:
- a regular domestic payment made through electronic channels is sent to the beneficiary's bank on the
same settlement day if the payment has been debited rom the remitter's account before 4:30 p.m.
Payments sent by the remitter after 4:30 p.m., at weekends and on public holidays are debited, but sent
to the beneficiary's bank on the next settlement day;
Domestic payments
- a regular domestic payment made in an office is sent to the beneficiary's bank on the same settlement
day if the payment has been debited from the remitter's account before 4:00 p.m. Payments sent by the
remitter after 4:00 p.m., at weekends and on public holidays are debited, but sent to the beneficiary's
bank on the next settlement day.
Outgoing urgent domestic payments:
- an urgent domestic payment made through electronic channels in between 8:30 a.m. to 4:30 p.m. is
sent to the beneficiary's bank without delay but not later then on the same settlement day. Payments
sent by the remitter after 4:30 p.m., at weekends and on public holidays are debited, but sent to the
beneficiary's bank on the next settlement day;
- an urgent domestic payment made in an office before 4:00 p.m is sent to the beneficiary's bank without
delay but not later then on the same settlement day. Payments sent by the remitter after 4:00 p.m., at
weekends and on public holidays are debited, but sent to the beneficiary's bank on the next settlement
day.
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Intra-bank payments are transferred to the payee’s account within an hour.
Mass payments
- mass payments made via the Internet bank are made pursuant to the usual intra-bank or domestic
payment execution terms;
- mass payments with value dates are transferred to the payee’s account inside the bank or sent to the
payee’s bank not later than 10:00 am on the value date
Incoming international payments
- receipts through international settlement systems are credited to the payees's account on the bank's
value date (1);
- receipts from banks in the Swedbank Group are credited to the payee’s account on the bank’s value
date (1);
- receipts through the bank’s correspondent accounts are credited to the payee’s account until 4:00 pm
on the bank's value date (1):
- receipts are credited to the payee’s account on the bank’s value date (1) provided that the payee’s
details are correct.
Outgoing international payments
Payment type

Ordinary
- ordinary European payment (4) are sent to the payee’s bank one settlement date after the client's value
date (2);
- ordinary payments are sent to the payee’s/correspondent bank two settlement date after the client's
value date (2), excl payments that are made in euros and transferred to European countries (4), that are
sent to the payee’s bank one settlement date after the client's value date;

Urgent
- urgent European payments are sent to the payee's/correspondent bank on the same settlement date if
the payment order is submitted to the bank before 2 pm;
Foreign payments
- urgent payment orders, except orders in EUR and USD, are sent to the payee’s/correspondent bank
one settlement date after the client's value date (2) if the payment order is submitted to the bank before
2:00 pm.
- EUR and USD payment orders (excl urgent European payment) are sent to the payee’s/correspondent
bank one settlement date after the client's value date (2) if the payment order is submitted to the bank
before 3:00 pm;

Express
- express payments of less than 10 million euros (or same amount in foreign currency) are sent to the
payee's/correspondent bank on the same settlement date if the payment order is submitted to the bank
before 2:00 pm. Express payments that exceed 10 million euros (or same amount in foreign currency)
are sent to the payee's/correspondent bank on the same settlement date if the payment order is
submitted to the bank before 10 pm or between 10 am and 2:00 pm by mutual agreement with the bank
for processing the relevant payment.
Express payments can only make in USD and in EUR.
- Group payments in EUR; SEK and USD made to Swedbank Latvia and Lithuania are sent to the
payee’s bank on the same settlement date if the payment order is submitted to the bank before 4:00 pm.
Payments in any other currencies are sent to the payee’s bank on the same settlement date if the
payment order is submitted to the bank before 3:00 pm
- Group payments in EUR; SEK and USD made toSwedbank Sweden, Finland, Denmark and Norway
are sent to the payee’s bank on the same settlement date if the payment order is submitted to the bank
before 4:00 pm. Payments in NOK and DKK are sent to the payee’s bank on the same settlement date if
the payment order is submitted to the bank before 3:00 pm. Payments in any other currencies are sent to
the payee’s bank the day after the next banking day.
Confirmation by phone of
payments/security transfers
made in electronic channels
Payments/security transfers made through the Internet bank and through Swedbank Gateway , which
exceed the confirmation limit set by the client need to be confirmed by phone. Payments are confirmed
by phone within 24 hours as of forwarding the payment, between 8:00 a.m.-9:00 p.m. on working days
and 10:00 a.m.-6:00 p.m. on days off. Security transfers are confirmed by phone within one banking day
as of forwarding the security transfer, between 8:30 a.m. -5:00 p.m. on working days.
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STATEMENTS
Statements ordered by post are posted on the fourth banking day after the last day of the period, to
which is added the time for movement of the mail.
By fax sent on the banking day before 9.00 a.m. following the last day of the period;
Ordered periodical statements
if the fax machine has not been switched on or it is busy or there are communications disturbances, the
fax is sent within the banking day.
Statements ordered through Internet-Bank for business clients are available as of 9:00 a.m. on the
banking day following the last day of the period.
Intra-group overdraft interest and group balance statements are available as of the third banking day of
every month.
One-time statements from a
branch
one-time statements of the previous and current month are issued on the same banking day if the
number of printed pages is below 20.
earlier and 20-page and over statements are issued within 3 banking days.
Redemption of bank and private
cheques
pursuant to the collection procedure is performed within 3-5 weeks as of the date of presentation of the
cheque for redemption.
Transaction value date
stock exchange transaction: T (3) +2 or T+3 according to market practice
extra-stock exchange transaction without or against payment: upon agreement between the parties to
the transaction from T(3)+1 to T(3)+n according to the stock market practice.
Fund units transaction value date – according to fund conditions.
Transaction realisation entries are made:
Securities transactions
in case of securities registered in the Estonian Central Depository for Securities transaction value date
from 9:00 a.m. until 6:00 p.m. if the Estonian Central Depository for Securities gives affirmation;
in case of Estonian fund transactions according to fund conditions;
in case of foreign securities and foreign fund when affirmation is given by sub-custodian
In the case of security transfers which are subject to confirmation by phone the deadlines of execution of
securities transactions shall be calculated as of the moment when the Bank is able to contact the client
and securities transaction order was entered in Bank`s system.
Issuance of a certificate
within 10 banking days
(1) Bank's value date is the settlement day when the right to use the amount in the payment transaction transfers from the intermediary to the
beneficiary's bank.
(2) Client's value date is the calendar day when the Bank debits the remitter's account or credits the beneficiary's account.
(3) T is the transaction date, i.e. the date of agreement / conclusion of the transaction.
(4) The beneficiary's bank is located in a Member State of the European Union (or Norway, Iceland, Liechtenstein, Switzerland, the Åland
Islands, the Azores, Ceuta and Melilla, Gibraltar, Guadeloupe, the Canary Islands, Madeira, Martinique, French Guinea, Reunion).
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