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Open a new business account

Join our community! Why choose Swedbank?

If you're still setting up a company, you need a temporary account.

*If the account is opened within a year after the company is registered with the Register of Enterprises.

Open a current account or temporary account remotely, which, moreover, is free of charge!

Grow your business with Swedbank!

You chose us as your bank and we would like to give you the opportunity to promote your products or services to at least 70 000 Swedbank customers.

Your offer would be placed here, and in addition we will ensure a direct communication with your target audience.

Draft your special offer and contact us: sadarbiba@swedbank.lv

Plan your company's future finances!

Find out your expected cash balance on any future date with Tailwind cash flow forecasting app. Free trial period for 6 months only for Swedbank clients!

Find out more

Blog for new entrepreneurs

How to develop a business idea? How to start and how to develop further? Experience stories of other companies and business highlights.

Read here

Invoicing tool

Spare yourself the agony of looking for invoice templates on the web. Make use of the invoicing tool where you’ll only have to fill in the changeable fields (available only in Latvian and Russian languages).

Find out more

Attract more clients!

Advertise your product or service to 70 000 Swedbank customers!

Find out how

Business planning tool

A test - support for entrepreneurs for assessing their ideas, strengths, weaknesses and sustainability. Evaluate the potential of the plan before going ahead with it (available only in Latvian and Russian languages).

Find out more

Assistant for choosing the form of economic activity

Give us the main facts about the enterprise planned and we’ll give you a general idea of which form of economic activity best to choose and the tax arrangement to reckon with (available only in Latvian and Russian languages).

Find out more
  1. If you're still setting up a company, you need a temporary account.
  2. If the company has been established, you need a current account. Prepare documents for account opening, log in and fill out the application.

    Watch the video to see how easy it is.

  3. Get a reply from the bank within 1 business day.
  4. Sign the agreement via Internet Banking.

Important! The agreement may be signed remotely by the company’s authorized signatory with sole signatory powers and a passport or ID card issued in Latvia with a valid expiration date. Please use Smart-ID qualified electronic signature (QES) or eID to log in.

  1. If you are setting up a company, book a visit to a branch to open a temporary account here.
  2. Apply for current account opening by booking an appointment at the branch here choosing consultation topic “Company account opening”.
  3. Going to branch take with you all the documents necessary for account opening.

During the branch visit, you will have to fill out the corporate customer questionnaire and provide a visual representation.

You can convert the existing temporary account into a current account remotely.

The temporary account is necessary for would-be companies in the process of formation in order to deposit the equity capital before incorporation with the Register of Enterprises.

Find out more

For the sole representative it is possible to open an additional current account remotely via Internet Banking. In all other cases, please book an appointment at the branch here, choosing consultation topic “Company account opening”.

Open an additional account

Group account is simple and effective management of funds! Group account is a book account where the assets consist of the balances and reservations on the current account of group members and the overdraft of the group.

Find out more

The escrow account allows minimizing risk in selling or buying real estate, car and any other property.

Find out more
Pricelist For new businesses A newly established business is company that opens an account within a year of its registration. The special price list is valid for one year. After a year, the standard price list’s basic tariff will take effect. Basic tariff
Internet banking monthly service fee Free of charge Free of charge
Monthly account maintenance Free of charge 5.00 EUR
Internet banking payments to other person's Swedbank account in Latvia Free of charge 0.21 EUR
Internet banking payments to other bank in Latvia 0.57 EUR 0.57 EUR
Product/Service Price, EUR
Applying
Opening account Easy via Internet Banking Account opening, including agreement preparation.
- on standard terms of agreement Min. 100 Standard turnaround - 0,4% of the amount, min. 100,00
On urgent basis - 0,6% of the amount, min. 200,00
- on non-standard terms of agreement Agreed on case-by-case basis, min. 200,00 Standard turnaround - min. 200,00
On urgent basis - min. 500,00
Setting up escrow account additionally in a foreign language Agreed on case-by-case basis, min. 100,00 On standard terms of agreement - 100,00
On non-standard terms of agreement - agreed on case-by-case basis, min. 100,00
English or Russian.
Verification of documents issued outside Latvia (ID, passport, business supporting documents, etc.) 300,00 The fee is collected in advance and may be increased in some cases
Checking of powers of attorney issued by other institutions See Current account
Using
Servicing account 0,00 - 150,00 Standard turnaround - 0,00
On urgent basis - 150,00
Documentation verification and payment execution.
Standard turnaround - within 3 business day.
On urgent basis - within 24 hours.
for payments in foreign currency and/or other bank outside EEA, a fee will be charged see Payments in foreign currency.
Changes
- in terms of the escrow account agreement 50,00
- in non-standard terms of the escrow account agreement Agreed on case-by-case basis, min 70,00
Informing customers Free of charge Information on escrow account balance and transactions.
Closing
Closing account Free of charge

Effective from 01.10.2016.

Product/Service Price, EUR
Applying
For legal persons, incl. sole proprietors and farms
Opening account In Internet Banking - free of charge 10.00
Opening an additional account at branch In Internet Banking - free of charge 20.00 Opening an additional account at branch free of charge if technically it`s not possible to open it remotely.
Business Package:
- Current account
- Business Debit Card
- Business Internet Banking
- Log-in tools: Smart-ID
In Internet Banking - free of charge 10.00
Opening account in Swedbank group countries 200.00 The decision on account opening (or not opening) is made at Swedbank Group level. Each company’s application is dealt with separately. The average application processing time is 6-12 months.
First-time document inspection*

* For companies registered outside Latvia or for companies registered in Latvia whose management board or owner or beneficial owner structure comprises a person from abroad.

* For providers of lending services, payment institutions, electronic money institutions and credit institutions, as well as customers which carry out banking activities outside a regulated framework according to Article 395 (2) of Regulation (EU) 575/2013.

300.00
Using
Account maintenance a month 0.00 - 5.00 Account maintenance monthly fee:
- Standard - 5.00
- Newly created companies that open an account within 12 months of registering the company, first year - 0,00
Customer/Customer groups monthly service fee

*Price depends on costs incurred by Bank to carry out enhanced monitoring measures for each company/group of companies individually. Bank informs the customer about the applicable price 30 days in advance.

35.00 - 1000.00*

The monthly fee is applied for company/company group, that represent high risk countries, complex ownership structures, specific high-risk business areas and/or in any other mean entail extended due diligence measures:

  • company registered in Bulgaria, Hungary, Croatia, Lichtenstein, Cyprus or outside the EEA;
  • company/company group has at least one natural person (shareholder / beneficial owner) in its ownership structure, whose identification document is issued by Bulgaria, Hungary, Croatia, Lichtenstein, Cyprus or outside the EEA and who qualifies as non-resident** in the Republic of Latvia;
  • company/company group has at least one legal entity in its ownership structure, that is registered in Bulgaria, Hungary, Croatia, Lichtenstein, Cyprus or is outside the EEA;
  • company/company group has at least one natural person (beneficial owner) who is a politically exposed person;
  • company/company group is performing any of the following economic activities:

    • gambling houses (casinos), organization of other gambling and/or betting activities;
    • production and trade of arms and ammunition;
    • currency exchange;
    • cash collection services;
    • mining industry and quarry works;
    • lending service providers, payment institutions, electronic money institutions, and credit institutions.
  • the company conducts transactions with counterparties in increased risk countries;
  • other criteria (e.g., cash transactions, etc.) that require extended due diligence measures.

** Person who does not possess a passport/ID card or any other identification document issued by the Republic of Latvia.

The annual threshold fee for large increase in account balance

Customers whose total balance of funds in bank accounts (except accounts linked to the Cash Pool Account) as of 31 December exceeds 10,000,000 EUR and this balance is 30% higher than the Customer’s total balance of funds in bank accounts on the average per day during the current year, and which the bank will have notified in writing 30 days in advance, will, in addition to the fee for balance of funds, be charged an annual threshold fee for large increase in account balance at the rate of 0.13% from the difference between the total balance of funds in the accounts as of 31 December and the customer’s total balance of funds on the average per day during the current year, adding a 30% increase to the latter.

Example: if the total balance of current accounts stands at 15,000,000 EUR at the end of the day on 31 December but the customer’s balance of funds in accounts has been 5,000,000 EUR on the average per day during the current year, then the annual threshold fee for large increase in account balance on the particular day is (15,000,000 – (5,000,000 + 30% from 5,000,000))*0.13% = (15,000,000 - 6,500,000)*0/13% = 11,050 EUR.

The fee is charged by the 15th day of January for the preceding year.

0.13%
Change in signatory powers 10.00 For any change in signatory powers except cases when signatory powers are only canceled.
Serving based on power of attorney Only at Branches 12.00 + VAT Documentation verification fee applicable for each verification
Closing
Closing account Free of charge
Fee for handling of funds remaining in account for a customer with whom the bank has terminated business relationship*

* The fee is charged once from the total balance of funds that the customer has not transferred to other credit institution within the specified timeframe.

Up to 200.00

Effective from 13.07.2023

Product/Service Price, EUR
Applying
Opening of Temporary account Easy via internet banking Free of charge
Using
Monthly fee 3,56
A deposit into the temporary account See Cash operations
A withdrawal from the temporary account See Cash operations
Closing
Closing account Free of charge

Effective from 01.07.2018

High-risk countries to which outgoing payments are not processed

In order to mitigate international payment risks in line with its low-risk banking strategy, Swedbank AS will discontinue outgoing payments to several high-risk countries from 01.09.2023. These countries are:

Afghanistan; American Samoa; Anguilla; Aruba; Belize; Bhutan; Bonaire, Sint Eustatius and Saba; British Virgin Islands; Brunei Darussalam; Burkina Faso; Burundi; Central African Republic; Chad; Comoros; Cook Islands; Democratic People's Republic of Korea (North Korea); Djibouti; East Timor (Timor Leste); El Salvador; Equatorial Guinea; Eritrea; Eswatini (Swaziland); Fiji; Gambia; Grenada; Guinea; Guinea-Bissau; Haiti; Islamic Republic of Iran; Iraq; Kiribati; Lesotho; Marshall Islands; Mauritania; Myanmar (Burma); Federated States of Micronesia; Montserrat; Nauru; Niger; Niue; Northern Mariana Islands; Palau; Papua New Guinea; Saint Helena; Saint Lucia; Saint Vincent and the Grenadines; Samoa; Sao Tome and Principe; Syria; Solomon Islands; Somalia; South Sudan; Suriname; Tonga; Turks and Caicos; Tuvalu; Vanuatu; Bolivarian Republic of Venezuela; Wallis and Futuna; Western Sahara.

A payment can be executed as an instant payment within seconds at any time (24/7), provided that:

  • The payment made via Internet Banking or the mobile app.
  • The beneficiary's account is with a payment institution registered in Latvia that has joined the instant payments system.
  • The payment amount for an outgoing payment does not exceed 15,000 EUR.

If the beneficiary bank cannot accept the payment as an instant payment, other obstacles to its execution exist or additional checks are required for its execution, the instant payment may be rejected and processed as an economic euro-denominated payment to the European payment area countries.

Service Payment submission type and time Price, EUR
via Internet Banking via Branch/Telephone Banking
Shared
Active Tariff Basic Tariff
Intra-bank payments
To own Swedbank account in Latvia Immediately Free of charge Free of charge 5.00
To other person's Swedbank account in Latvia Immediately Free of charge 0.00 - 0.21 - Standard - 0.21
- Newly created companies that open an account within year of registering the company, first year - 0.00.
5.00
European payments*
To other bank in Latvia (incl. instant payments) or to the European payments area countries Economy Delivery of funds to beneficiary bank or intermediary bank on the same business day as when the bank has accepted the customer’s order. 16:00 0.36 0.57 5.00
Express Delivery of funds to beneficiary bank or intermediary bank on the same business day, within an hour after the bank has accepted the customer’s order. 16:00 15.00 20.00 20.00
To an account at Swedbank Group Payments to Estonia, Lithuania, Sweden, Finland, Norway. Economy
17:30
0.36 0.57 5.00
International payments
Shared/Payer Shared/Payer Shared/Payer
Active Tariff Basic Tariff
To other bank outside the European payments area countries (and European payments if beneficiary’s IBAN is not specified) Economy The money will be delivered to the beneficiary bank after two business days, as from the moment when the bank has accepted the customer's order. Unrestricted 12.00/23.00 15.00/27.00 15.00/27.00
Standard The money will be delivered to the beneficiary bank on the next business day, as from the moment when the bank has accepted the customer's order. 16:00 15.00/ 27.00 20.00/ 30.00 20.00/ 30.00
Express The money will be delivered to the beneficiary bank on the same business day, as from the moment when the bank has accepted the customer's order. 14:00 22.00/ 43.00 30.00/ 50.00 30.00/ 50.00

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

Payment submission time - the latest when payment of this type may be submitted. If the payment is submitted after this time, one more business day will be added to the execution time of the payment. If submission time is not indicated, the payment may be submitted during business hours of the particular branch / sub-branch or remote banking channel.

Shared - one of the two commission paying options selected by the customer when making a payment; the charge includes Swedbank's commissions only; any other payment-related charges (of correspondent bank or beneficiary bank) are payable by the beneficiary (payee). The bank will transfer the payment to the correspondent bank or the beneficiary bank with a note "SHA" in the corresponding S.W.I.F.T. message field "Details of Charges". The payment will be credited to the beneficiary's account by the beneficiary bank after deduction of all charges, if any, from the payment amount.

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

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

Effective from 13.07.2023

Effective from 01.09.2023

Card ordered on a business day: Time and place of receipt
Spice or Ķīpsala branch Other branches or card delivery to an address
by 12.30 Within 5 hours On next business day
by 12.30 On next business day On business day after the next
Product/Service Price, EUR
Ordering and issuance
New or replaced card Also in cases when the card is lost, stolen, or damaged. Automated fee upon card activation. 6,00
Renewed card Issuance of the new card after validity period of previous card was expired is free of charge. Free of charge
Urgently produced card options 41,00 Accelerated production and delivery of cards can be ordered at a branch or by calling us on 67 444 444. The card can be collected at bank branches or at the company’s contact address specified to the bank.
Receiving
By post Free of charge
At a branch 6,00
Using
Monthly fee 0,00 - 2,00 Business debit card monthly fee:
- Standard - 2.00
- Newly created companies that open an account within 12 months of registering the company, first year - 0,00
The card's monthly fee will be automatically debited from account in the beginning of every month.
Card purchases in Latvia and abroad Free of charge
Currency exchange markup 2,95% The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency.Information on current Exchange Rates available on International Card Organization websites www.mastercard.com and www.visaeurope.com
Cash operations See Cash transactions via ATMs and Retail outlets
Changes in Card Agreement (incl. change in limits, permitted services, card delivery method) Easier via Internet Banking 6,00
Card claim processing Free of charge If processing of the claim involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
Checking the account balance:
- In ATMs of Swedbank in Latvia Free of charge
- In other banks' cash machines in Latvia and worldwide 0,40
Printout of last 5 card transactions at Swedbank ATMs in Latvia 0,20
Changing and unblocking the card's PIN in Swedbank ATMs in Latvia Free of charge In case of entering PIN incorrectly three consecutive times in a POS terminal.
Closing
Closing the card Easier via Internet Banking Free of charge
Default card limits Limits, EUR
Purchases 1400
For cash withdrawals 1400
For cash deposits 15000
On paying bills via ATM 700

Effective from 19.08.2020.

Product/Service Price, EUR
Applying
PIN calculator DP260 6,00 - 12,00 For customers of up to 18 years and from 65 years of age: EUR 6,00. DP260 PIN calculator's warranty period in Latvia - 2 years.
PIN calculator DP300C 6,00 - 12,00 For customers of up to 18 years and from 65 years of age: EUR 6,00. DP300C PIN calculator's warranty period in Latvia - 2 years.
PIN calculator DP301CV for blind customers or customers with poor eyesight Only in branches 2,00 DP301CV PIN calculator's warranty period in Latvia - 2 years.
eID card reader issuance 6,61 + VAT
Processing of documents prepared abroad 160
Using
Monthly service fee for internetbank’s Active tariff 4,27 - 12,81 EUR 4.27 per user, but not more than EUR 12.81 in total
Unblocking PIN calculator 2,00
Change of users and/or their payment limits over the phone or at branch 30,00
User and/or payment limit change in the internetbank Free of charge
Closing
Termination of the service Free of charge

Effective from 19.08.2020.

What to do in emergencies?

If you've lost your card or any data used in your Authentication tools or if you suspect that they‘re disclosed to other people, immediately call us at any time of the day or night. We will block your card or access to Internet Bank account immediately and no one else will be able to access money in your bank accounts.

  • For private clients: call (+371 67444444).
  • For business clients: call (+371 67444444).

We will also automatically block access to Internet Bank if incorrect login data (User ID or code from the PIN code generator) is entered 5 times in a row. You can unblock it by calling us at (+371 67444444). In case of a repeated block, you will have to visit the bank’s branch. You should book a visit in advance. Have you discovered any unauthorised transactions on your account performed prior to the blocking of Internet Bank access? Review your account statement and submit the information to us.

Secure your login data

  • You shouldn’t confirm transactions or logins to internet bank or app, which are not initiated by you under no circumstances.
  • You shouldn’t ever disclose your personal data or data used for login to internet bank & app to other persons, including family members, friends or bank employees, unless you are calling to the bank.
  • Do not write down, send by e-mail, SMS, etc. or otherwise save any confidential codes and passwords to unlock the screen of your computer or mobile phone. Create complex passwords, that are difficult to guess, memorise them and change them regularly. When creating PIN codes, be sure to make PIN codes in random number combination. Do not use combinations, such as 1111, 1234, dates of birth other personal details etc.
  • Remember that your User ID number is as important as your personal code, thus pay a great deal of attention to its security.
  • Keep in mind that after login you will have access to many services including external ones which do not require additional authentication.

Closing browsing session

The login session is terminated when no activity happens for 5 minutes. You will be asked to re-enter your login details. Time limits are used for security reasons, to prevent Internet Bank access if a user forgets to log off from his/her account after finishing using the Internet Bank.

Once you finish Internet Bank session, log off (by clicking 'Logoff') and close the browser.

Address of the Internet Bank website

On the computer:

Address of the Internet Bank website

Address of the Internet Bank website

By clicking on the lock sign you should see the correct Swedbank certificate:

Swedbank certificate

Swedbank certificate

On the smart device:

Swedbank certificate

Swedbank certificate

Before entering your login data, make sure that the website domain is “swedbank.lv”.

Take a moment to familiarise with our security recommendations:

  • Do not share your personal authentication means. If you want to give your family members or your employees rights to manage funds on your accounts, please, request the Bank to grant them respective rights. They will be able to use company’s accounts on behalf of their own and by using their own personal authentication means. You can revoke these rights at any time. It is also possible to order a supplementary card linked to your account for a family member to use.. Sharing the same authentication mean between the employees or family members is strictly forbidden.
  • Remember, that security of all your data (User ID, PIN codes, mobile phone number provided to the bank, personal number, etc.) is the key for protecting an access to your money.
  • If you’re using a public computer, avoid entering personal information as there might be malware that records your details.
  • Do not keep User ID number together with authentication means and their confidential codes.
  • Never send authentication data by email.
  • Never disclose your login information, unless you are initiating the call with the bank. No one has the right to request you to provide your personal number and authentication mean by phone. If you receive a call from a person stating he is an employee of the bank, end the conversation immediately.
  • Your Smart-ID or PIN code generator PINs should not coincide with any part of your phone number or the sequence of numbers.
  • Always compare control number and read “see what you sign” if available.
  • By entering PIN2 of Smart-ID you are usually confirming a payment or an agreement. Be extra careful when doing it.
  • You will get an SMS when new Smart ID account is created. Contact bank immediately if it wasn’t you who created Smart ID.

When accessing internet bank via a laptop or stationary computer, follow these safety measures:

  • Install antivirus software and configure it to automatic update of the virus definitions database (at least one auto-update per day).
  • Install the local firewall. It should be configured so that it prevents connections from the Internet to your computer.
  • Use the latest browser and operating system available.
  • Turn on automatic updates for all software. If it cannot be updated automatically, regularly check on its latest software.
  • Set your browser to block pop-ups.

Check computer safety

  • More information on the ways to secure your device and to safely use other Internet services is available on the following websites:

https://cert.lv/lv.

Do not forget to follow safety measures when accessing internet bank via mobile devices:

  • Download applications only from trusted sources such as the App Store, Google Play or Windows Phone Apps – Microsoft store.
  • Do not jailbreak your mobile device to get around limitations set by your mobile network operator or device manufacturer. It will remove protections built into the device to defend against mobile threats.
  • Always screen lock your smart phone or any of your computers. If several levels of screen lock security are offered, always use the highest security level.
  • Do not allow other persons to use your phone or tablet were Swedbank App is installed.
  • Do not reveal the screen lock codes to other persons and do not allow to unlock your phone with other persons’ biometric data.
  • Use antivirus software.
  • Always adhere to the requirements or security alerts of the manufacturer of your phone device.

When shopping online, be prudent with your personal and financial data.Properly assess the threats, which you mayencounter on the internet. We recommend to ensure protection of personal devices and always follow these safety tips:

  • Shop in reliable shops only. It is always safe to buy goods and services in well-known Lithuanian and foreign e-shops with a good reputation. Take a critical approach to unknown sellers and try to find out more information about their activity. Study public internet feedback about a specific online shop. Find out whether the website presents detailed contact data of its administrator (address, phone, email, etc.), and make sure it does not contain various errors in their links (additional words or letters, strange symbols), popup windows, advertisings, a great number of links instead of informative content.
  • Be cautious about discounts. You have found a high-quality product offered at a particularly low price? Before making a payment order, be sure that the company that offers the product really exists and is trustworthy. Be careful about advertisements in social networks. They may lead you to a fake online shop.
  • Safe shopping by card. When shopping in foreign e-shops, the most common way of payment is by card. In this case you will have to indicate the details of your payment card. If an online shop participates in international security programmes, special logos such as “Mastercard Identity Check”, and “Visa Secure” for Visa cards are used in this shop. You may be redirected to internet bank to confirm payment transaction by logging in. Learn more about “Safe online shopping” programme here. Before making payment in online shop, please evaluate safety of such online shop and study public internet feedback about its activity.
  • Safe payment via electronic banking system. When shopping in Latvian online shops, usually you will be redirected to Swedbank internet bank account. You will recognise it from the Swedbank logo and internet bank address: https://www.swedbank.lv/banklink. It confirms that payment is made directly through the bank system. After you enter your login details, the website will automatically display the generated payment form.
  • Third party providers. As of 14/09/2019, when you shop online, you might be offered to use payment initiation service, offered by payment institution (PISP), other than the bank, to pay for goods or services. If you choose to initiate payment from your account, kept with the bank, you might be asked to fill in the payment order form in the PISP’s environment, and give your consent to transfer data, necessary for performance of payment transaction, and later to confirm payment order with the Swedbank internet bank authentication mean. If you have noticed any transaction in the account statement, not authorised by you, inform us immediately by calling +371 67444444 (for private clients) or +371 67444444 (for business clients).

Suspicious SMS messages. Stay alert!

  • Fraudsters could impersonalize bank by sending fraudulent SMS under our name to obtain personal and Authentication mean data. These messages usually offer to click on an indicated link, to open an attachment or to call the indicated phone number in order to allegedly update, revise, check or activate your account in internet bank.
  • Never answer to a SMS message requesting you to submit confidential data. Never click on the links and do not open attachments from the unknown sender because this way you can activate a virus, or you will be redirected to a fraudulent website.
  • In case you are clicked on the link and were redirected to a website resembling our site, do not enter any requested data and contact us. Here you can find the information on how you can recognise the authentic website.
  • If you suspect that other persons have gained access to your login data, contact us immediately.

Suspicious emails or calls. Be cautious!

  • If you receive a suspicious call or email from an alleged “bank employee” or “police officer” requesting you to disclose confidential login details – under no circumstances disclose such information. Do not trust this person only because he or she knows something about you. Fraudsters can have different scenarios to steal money (they request to update data; inform about suspicious bank transactions, etc.), yet they have one common feature – they request to disclose confidential internet bank login data or to enter the generated code of Authentication mean and transaction confirmation.
  • Neither bank employees nor representatives of law enforcement or other institutions contact residents requesting them to disclose their Internet Bank details (User ID, PIN codes, etc.) or initiate as well as confirm transactions not initiated by you. Therefore, stay alert and do not open suspicious emails. Make sure that you log in to the Internet Bank via the right website (https://www.swedbank.lv).

Here are some of the most common indicators that a phone call or email or SMS that you have received is most likely a scam or an attack:

  • Any message that communicates a tremendous sense of urgency. The criminals are trying to rush you into making a mistake.
  • Any message that pressures you into bypassing or ignoring our policies and procedures.
  • Any message that promotes possibilities to gain high profit. If it sounds too good to be true, it probably is.
  • Be very suspicious of any phone call or message that pretends to be an official or government organization urging you to take immediate action.

You have found the security flaw? Notify us!

It is important for us at Swedbank that our customers can feel safe and secure when managing their monetary affairs with our electronic channels. Therefore, we seek to ensure the highest security level in IT systems. Despite this, an error may slip by. If you have found a security flaw, we would like to hear more about it to be able to correct the problem as soon as possible.

How do you report?

Send an email to us at responsible-disclosure@swedbank.com. We prefer that you use our public PGP key to protect the information you send over. Make sure to have included the following information:

  • Detailed description of the vulnerability containing such info as URL and type of vulnerability;
  • The necessary information that we need in order to reproduce the problem;
  • If applicable, a screenshot of the vulnerability you have found;
  • Contact information, name and surname, email, phone number, and your public PGP key (if you have one).

This personal data submitted by you will be processed by Swedbank in order to inform you about the analysis of IT security flaws noticed by you and their correction, and, if necessary, to contact you regarding the revision of the information submitted by you. More information about Swedbank’s data processing procedure is available in the Swedbank Principles of Processing Personal Data at www.swedbank.lv.

What can you report?

You can report security flaws that you have found in any of our services. Examples of security flaws are cross-site scripting, flaws in encryption or flaws with security implications in logic controls. The reporting service is not designated for other logical errors, errors in texts, questions about our services, questions about the security of our services or similar.

What can you expect from Swedbank?

We will confirm that we have received your description, continuously keep you updated while we process the issue, and inform you when the issue is fixed. Claims for compensation as a condition for sending in a vulnerability are not accepted.

What is required from you?

It is important for both us and our clients that you follow good practice, i.e. that:

  • You do not use the vulnerability to access or attempt to access information that does not belong to you;
  • You do not use the vulnerability to remove or modify information;
  • You do not affect the availability of our services;
  • You give us an opportunity to fix the reported vulnerability before going public with it.

Can you file a report anonymously?

Yes, but then we cannot respond back and keep you updated on the status.

PGP key

PGP key

Key ID: 0x0AD6CCAF

Control code: 2D14 4030 6D4B 68C3 F286 3AC6 333B E8E4 0AD6 CCAF

We encourage you to update your browser and operating system version as soon as update is released. These updates can be set up automatically for better security and experience in our digital channels. We officially support these browser versions:

  • Google Chrome 85 and later;
  • Microsoft Edge 85 and later;
  • Mozilla Firefox 80 and later;
  • Safari 14 and later.

Change account limits and add users from the comfort of your office!

If the customer's got a card, the business needs a terminal!

Order a business debit card here on the Internet Banking site and use it free of charge for the first year.

Documents required for opening a current account:

  • identity documents (passport/e-ID card) for the representatives;
  • documents evidencing the ownership structure;*
  • visualisation of the company’s structure if at least one of the company’s shareholders is a legal entity.

Note!

The bank may request additional documents, if necessary, as part of the customer due diligence.

*If the company structure contains at least one legal entity registered abroad, documents evidencing the ownership structure of the customer's shareholders must be submitted (up-to-date certificate issued by the competent authority of the country of registration of the legal entity, dated no earlier than 30 days before the certificate is submitted to the bank).

Documents required for opening a current account:

  • identity documents (passport/e-ID card) for the representatives;
  • documents evidencing the ownership structure;*
  • visualisation of the company’s structure if at least one of the company’s shareholders is a legal entity.

Additional documents if the company is registered abroad:

  • documents evidencing the fact of registration and the registered office address;**
  • articles of association/bylaw;
  • documents evidencing the powers of the legal representatives;
  • documents demonstrating the need for an account in Latvia (e.g. documents with business partners, explanation of business activities in Latvia, etc.)

Note!

  • Original documents or notarised copies need to be submitted.
  • Documents in Latvian, English and Russian are accepted.
  • The bank may request additional documents, if necessary, as part of the customer due diligence.

*If the company structure contains at least one legal entity registered abroad, documents evidencing the ownership structure of the customer's shareholders must be submitted (up-to-date certificate issued by the competent authority of the country of registration of the legal entity, dated no earlier than 30 days before the certificate is submitted to the bank).

**Documents evidencing the fact of registration and the registered office address, issued no earlier than 30 days before the start of the business relationship (e.g. certificate of registration and/or certificate issued by the competent authority of the country of registration of the legal entity)./vai juridiskās personas reģistrācijas valsts kompetentās iestādes izdota izziņa).

Documents required for opening the temporary account at branch:

  • company formation agreement or resolution;
  • identity documents for company founders or representatives;
  • additional documents if necessary.

Documents required for opening a temporary account remotely:

  • Formation agreement or resolution.
  • Founder meeting minutes or the resolution on appointment of authorized representatives if the company to be founded is not represented by the founders specified in the formation agreement or resolution.

Google advertising opportunities on the web

We offer a Google advertising coupon of 40 EUR in value to boost your company’s exposure and reach more new customers. The coupon is available exclusively to Swedbank customers when opening a company account. The coupon can be used for Google Adwords adverts. To learn more about the possibilities of advertising with Google, visit the e-academy.

For those who plan, create and develop

All that’s useful for business in a single place:

Your customers will be happy about the option to pay conveniently and securely.

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Every company is different, just like their needs.

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When you work together, the progress is faster.

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Sometimes the very best is just a click away.

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Jūsu Internet Explorer pārlūkprogramma netiek atbalstīta.

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

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

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

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

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Klientu serviss - Инфо и помощь - Customer service: +371 67 444 444

Swedbank
  • Jūsu ierīces operētājsistēma un pārlūkprogramma ir novecojusi un netiek atbalstīta Swedbank internetbankas lietošanai. Aicinām vērsties pie Jums uzticama IT atbalsta, lai saņemtu konsultāciju un veiktu atbilstošu operētājsistēmas un pārlūkprogrammas atjauninājumu.
  • The operating system of your device & your browser are too outdated to be supported by Swedbank Internet Bank. Please, update the operating system & browser or turn to IT specialist for technical help.
  • Ваш браузер или операционная система недостаточно современны для использования в интернет банке Swedbank. Пожалуйста обновите операционную систему и браузер или обратитесь за технической помощью к ИТ специалисту.

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