Cash transactions in branches and settlement groups	Fees

This is a service for private individuals and comprises payment and withdrawal of cash, currency exchange and other cash transactions.

Since all Swedbank's branches and sub-branches work on-line, cash transactions performed in Swedbank are reflected in the system at the moment of their execution and money is instantaneously debited to the customer or non-customer account with Swedbank.

When performing cash transactions, for security purposes the customer's identity is verified against a personal ID document and a signature sample submitted to the bank upon opening the account.

The customer may pay in or withdraw unlimited amounts of cash. However, to guarantee the availability of amounts exceeding 10 thousand lats or the equivalent in other currencies for withdrawal in cash, it is advisable to give the bank a notice of 1 business day.

Possibilities:

• Withdraw cash (also in certain nominals),
• Debit cash to own account with the bank,
• Make payments to other customers' accounts,
• Transfer money to another bank by cash payment,
• Pay bills (also by transfer to other banks in Latvia and in other countries),
• Perform cash currency exchange,
• Make deposits,
• Check foreign currency notes,
• Turn in to the bank defaced or old emission foreign currency bank notes

Additional possibilities:

• Withdraw cash from POS terminals with the help of international MasterCard credit cards issued by Swedbank
• Withdraw cash from POS terminals with the help of international MasterCard and Visa credit cards issued by other banks

Holders of Visa, MasterCard and Maestro payment cards may also withdraw cash at any cash dispenser of Swedbank (for additional information see section Transactions in ATMs)

To effect these transaction you have to:

• Visit the nearest Swedbank branch carrying with you an ID document: passport or driving licence (for residents)