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Import of payments

About

To become a customer of Internet banking for business clients, visit any branch of Swedbank taking with you a personal identification document and sign an agreement on electronic services of the Bank.

Registration for the service is free of charge. We offer two options:

  • Basic tariff - subscription to the Internet banking is free of charge, commission fees are the same as for payments effected at a branch. This tariff is best-suited for companies with a small number of payments.
  • Active tariff - a fixed subscription fee and a smaller commission fee for transfers (all prices are the same as for www.swedbank.lv/business). Should you have a need to effect a large number of payments on a regular basis, you will definitely find the Active tariff to be more appropriate.

To receive a new password, visit the nearest branch of Swedbank taking with you a personal identification document.

User code is blocked if for five consequential times there has been an incorrect password entered. To unblock the codes, visit a branch taking with you your password or any other personal identification document.

When you have logged on to Internet banking for business clients, select the option Payments, Currencies. Select the company and account from which transfers are to be performed. Click the button "Import Payments". Select the appropriate payment type and enter the file address or use Browse to find a file in your computer. Upon clicking "Import the selected file", the file will be imported, and information on the result of importing will be displayed on the screen.

If importing is unsuccessful, check whether:

  • The account you have selected is the same as the one from which transfers were to be performed;
  • The correct format has been used, to this effect go to "My menus/General Set-Up/Format of Imported File".

Swedbank Internet banking site for business clients, contrary to Swedbank Internet Banking, allows to prepare payments and send these to the Bank even if there are no sufficient resources on the current account. The account balance may be checked in "Information/Account Balance". If there is no money on the account, the payment is kept with the Bank for 10 days until money is transferred to the account or, if this does not happen, the payment is cancelled.

Swedbank Internet Banking is designed for private individuals, while Swedbank Internet banking site for business clients - for companies. The needs of private individuals and companies differ; the companies are developing an increasing need for new functionalities. The Internet banking for business clients solution will be enhanced to incorporate new functions essential for business but unnecessary for private individuals.

Customers authorised to manage specific company accounts should register with Swedbank internet bank for business clients.

You may still view them in Swedbank Internet Banking just like before . A new option has been added - when using Swedbank Internet banking site for business clients, upon finishing the work in Swedbank Internet banking site for business clients and ending the session, you may log on Swedbank Internet Banking by entering your User ID and password repeatedly.

Payment fees are withheld from the same account from which the payment has been made. Monthly charges are withheld from the commission fees account. Payment fees are deducted at the moment of effecting the payment. Monthly charges are withheld on a monthly basis - on the first day of the month.

Yes, they will function alongside each other, since the different customer needs determine different channels. Managers of companies and accountants need different tools:

  • Managers may need quick reports on the company' s assets and liabilities, perform transactions with securities, send applications, conclude agreements, etc.
  • Accounting departments of companies may need to perform multiple payments QUICKLY and receive detailed reports and statements

Our experience shows that:

  • Large corporate customers use both Internet banking for business clients (a tool for managers) and Electronic banking programme for business clients (more used by accountants);
  • Medium-sized companies use both Internet banking for business clients (both managers and accountants) and Electronic banking programme for business clients (accounting departments of companies);
  • Small-sized companies use Internet banking for business clients (both managers and accountants);
  • Companies with "bad" Internet connection use Electronic banking programme for business clients (both managers and accountants).

Entries are posted in accounting registers only on the basis of appropriate supporting documents. Pursuant to Clause 7 of the Republic of Latvia's law "On Accounting", a supporting document must contain the following details:

  • Name and registration number of the company, or personal ID code for transactions with private individuals;
  • Document title, number, and date;
  • Description and justification of the transaction;
  • Quantity figures (volumes, amounts);
  • Parties directly involved in the deal (participants);
  • Signatures of the persons responsible for the transaction and correctness of information.

Any bank account statement prepared in compliance with the requirements of Paragraph 2.1 of the "Regulations on Drawing Up Bank Account Statements", approved by the Bank of Latvia on March 12, 1998, is deemed a supporting document for the purposes of keeping the customer's accounting registers, accounting for and controlling non-cash funds with banks..

Statements prepared by Swedbank (issued in branches and received through the Internet Bank Internet banking for business clients) comply with the Bank of Latvia's regulations. The company manager decides on the procedure for submitting the payment orders to the bank - either these are signed in a paper format or they are prepared in an electronic format and duly authorised. When submitting electronic payments, the signatures of the persons responsible for information submitted may be replaced with electronic authorisation. Consequently, the law does not stipulate a compulsory requirement for electronically effected payments to be printed out and signed. The execution of a payment order is duly confirmed by the bank account statement, the correctness of the payment order is confirmed by the electronic signature of the customer (authorisation), provided for under the customer agreement with the bank on using remote banking channels.

Report any attempts to fraudulently obtain personal data!

Have you ever received an e-mail asking you to disclose your personal information, including card details or Internet Banking login credentials? This means that you've received a letter from a scam which is known internationally as ‘phishing'. Please bear in mind that Swedbank will never ask to reveal personal information by e-mail.

We urge you to be careful and strongly advise against opening e-mail letters from unknown senders, or clicking on any links in e-mails or opening any attached documents if you're not 100% certain who is this e-mail from.

If you receive any such fraudulent e-mail, please forward it to Swedbank to phishing@swedbank.lv.

Operate with data twice as fast

Swedbank's remote settlement solutions (Swedbank Internet Banking, Swedbank Gateway and other) feature data compatibility or import/export function which gives two very important advantages to the accountant or employee making bank payments:

  • Time savings - no double work by recurrently entering payment data in the banking program;
  • Minimized possibility of making a mistake by retyping existing data.

Payment import from accounting systems

Payment import from accounting programme to Internet banking for business clients allows to move payments between the financial accounting and Internet banking for business clients settlement programmes. There is no need to prepare payment orders twice - in the accounting programme and then for the bank to perform payments.

How to import the data?

  1. The accountant makes entries - posting payment of invoices/bills to his/her accounting (financial accounting) programme.
  2. The accountant saves the newly created, drafted payment documents to a file by means of certain action to this effect (clicking an icon or opening of a menu) to import payments to the electronic payment programme (Electronic banking programme for business clients or Internet banking for business clients).
  3. The accountant opens the electronic payment programme (Electronic banking programme for business clients or Internet banking for business clients).
  4. A window is opened in the electronic payment programme, which requires indicating the file to be imported.
  5. The previously created file is selected and previously prepared payments are imported into the bank's electronic payment system. The payments are ready for the bank to effect them.
  6. Payments are approved (signed) in the bank's system by the responsible person.
  7. The bank processes the payment and money is transferred to the indicated account. The customer, if necessary, may print out the payment details from the electronic payment programme.

Export of account statement to a file

Exporting of account statement to the customer's accounting programme (financial accounting system) from the electronic payment programme (Electronic banking programme for business clients or Internet banking for business clients), thus automating its further processing.

How to export the data?

  1. The accountant logs on to the bank's electronic payment system (Electronic banking programme for business clients or Internet banking for business clients).
  2. The accountant requests an account statement for a certain period of time. The account statement is saved to a file.
  3. The accountant logs on to his/her accounting (financial accounting programme) and starts the function which imports the data of the newly saved file or previously requested account statement into the customer's accounting system.
  4. Entries on the last payments of accounts receivable made to the bank's account are made automatically in the customer's accounting programme.

You are welcome to call the distributor of your accounting programme and ask about import formats and opportunities offered

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:

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

On the smart device:

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 may encounter 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 SecureCode”, and “Verified by Visa” 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.

Information for developers of accounting software programmes

To provide a top-notch customer service by offering solutions of the above-mentioned function to customers, experts of Swedbank will help you to verify the developed format, i.e. to test the solution. The required format description for the import/export files is available below.

The programme Electronic banking programme for business clients and Internet banking for business clients support one import/export format:

Contacts

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