Beware of scammers calling and asking for card and Internet Banking details or Smart-ID codes. Keep in mind - confirm with the Smart-ID or PIN calculator only the operations that you’ve initiated yourself (such as logging in to Internet Banking, making payments, registering the mobile app on a new device etc.).

Currently, visits to branches are possible by prior appointment only. Book an appointment

Frequently asked questions

Statements and reports

  • What account statement periods are available?

    In Internet Banking, the maximum account statement period is 2 years. If you need a statement for the last four years, you need to request 2 account statements for 2 years. If you request the statement at branch, there is no limit to the period, but keep in mind that a fee will be charged for every 6 months.

  • How can I request the regular account statement?

    The regular account statement can be requested here.

    “Payments, cards, accounts > Account > Statements and reports > Order automatic statement”.

    The reports will be delivered here.

    “Payments, cards, accounts > Account > Statements and reports > Stored statement files”.

  • How to order a statement with fee details?
    A statement with fee details can be requested here.
    “Payments, cards, accounts > Account > Statements and reports > Statement request”.
    In the “Fee" menu, select the option “Separately”.
  • What is the extended account statement?

    The regular account statement details include:
    Operation date, document number, transaction amount, payment details, balance.

    The extended account statement details include:
    Operation date and transaction archive number, document number and transaction code, beneficiary name, registration number, payment details, beneficiary’s account number and beneficiary bank’s SWIFT code, transaction amount (debit/credit).

    Additionally, various filters are available.

  • How to export an account statement?
    The account statement can be exported by selecting the exporting menu item above or below the account statement ordered. The statement can be exported in PDF, TH5, CSV, TH6 and Fidavista format.
  • What to do if the special Latvian-language characters (diacritical marks) are displayed incorrectly?
    This can be due to a number of reasons. One solution could be changing the report settings. This can be done here.
    “Contacts and settings > General settings > File import/export preferences > Import / Export file encoding > Unicode (UTF-8)”.

Payments

  • What is the cut-off time for payments and when are they executed?
    • A payment to other person’s Swedbank account in Latvia is done immediately both on business days and non-business days at any time of the day.
    • Time of submitting for domestic payments in EUR to other bank in Latvia - on business days before 16:00 hours.

    Further information about payment times and prices is provided in the Price list.

  • How to revoke an executed payment if, for example, a wrong payee was indicated?
    • If the payment was made to other Latvian bank, it may be cancelled within 15 minutes by calling 67 444 444.
    • If the payment was made between Swedbank account, it may not be revoked. In such an event, you need to contact the payee (account holder) and ask them to return the payment. If this is not possible, an alternative route is to file a payment revocation through the bank (the revocation form is available in the section “Bank messages”). Please note, however, that the bank is unable to revoke a payment without the payee’s consent.
  • What to do if money is debited from personal account when shopping online?
    Please contact the recipient of the payment and request the money to be paid back. If you want the bank to take care of payment cancellation, please ask at any branch or send us a message via Internet Banking. In this case you will be charged a fee for this service as per bank’s price list.
  • Why is the payment not going through even though I’ve confirmed it?

    This could be due to a couple of reasons:

    • The account lacks funds for executing the payment or paying the fee, if applicable.
    • The payment has been prepared with a future date (in such an event the payment status will be “Awaiting execution date” under “List of payments”).

    If none of the reasons above match your situation, send us a message via Internet Banking or call the bank on 67 444 444.

  • What’s the payment waiting time?

    If the account lacks sufficient funds for standard or economy execution, then the payment waiting time is 10 calendar days, whereas express payments are cancelled immediately.

  • What’s IBAN?

    The IBAN (International Bank Account Number) is the customer’s account number in banks and other financial institutions as assigned according to the international ISO 13616 standard; in Latvia it consists of 21 character. Read more about IBAN here.

  • Which payment form should be used to make a payment in other currency to other bank in Latvia?

    Use the international payment form to make such a payment.

  • Will the payment be executed if any of the payment details is filled out incorrectly?

    If the legal name or forename/surname of the payee don’t match the account number (IBAN), then payment to a Swedbank account will not be executed. In case of payment to another bank in Latvia, it will be forwarded to the beneficiary bank that is entitled to either execute the payment based only on the IBAN account number stated or reject the payment.

  • What to do if a notification that the payee’s name is invalid or does not match the entered account number appears when making a payment?

    Make sure that’s you’ve chosen the appropriate payment form when making the payment.

    Check:

    1. Whether the payee’s (beneficiary’s) details are entered correctly.
    2. Whether the appropriate payment form has been selected - if the payment was made outside the EEA and the European Union, then choose the international payment form.
    3. Get in touch with the payment beneficiary and clarify the details.
  • How to make sure that a payment has indeed been executed?

    You can verify that by checking the account balance, account statement or payment history.

  • What’s the payer reference?

    A special identifier that the invoice issuer assigns to the payment recipient. The reference is required in order for the payment to be executed. It is rarely used in Latvia.

  • What’s the payee reference?

    That’s a specialized number consisting of a maximum of 25 characters. The reference number is assigned by the payment recipient and the recipient automatically gets notified in the accounting system that the invoice has been paid.

  • How to make a payment in other currency?

    To make a domestic or international payment in other currency:

    1. Choose the international payment form.
    2. Select the currency available in the account as the coverage currency.
    3. Currency exchange will take place automatically when you confirm the payment.

    If the account lacks the currency necessary for the payment and/or no coverage currency is specified, then the payment will not be executed.

  • Why, when making an international payment in other currency, it has been executed in EUR?

    The reason could be incorrectly specified principal currency in the payment order.

  • What is the coverage currency?

    It is currency in the account which is other than the principal currency of the account that will be applied towards covering the missing amount in case the account lacks funds for making the payment.

    The coverage currency must be selected when preparing a payment order. Balance of funds in the account may remain there for an unlimited period of time.

  • How long does it take for international/European payments to go through?

    Swedbank reserves payments to accounts on the same day and delivers them to the beneficiary bank or intermediary bank on the following business day. The payment execution time depends on the payment currency, type and the beneficiary bank or intermediary bank. See the price list for times and charges of these payments.

  • How to make a payment if the payee’s account is not in IBAN format?

    Execution of payment with the short account number depends on the country to which the payment is made and on the payment currency.

    For payments outside the EEA or in other currency, use the international payment form and not the EUR form.

  • Where can I find information about Swedbank’s correspondent banks?

    Every bank has its correspondent banks depending on the payment currency. Information about correspondent banks is available here.

  • Why do I get the notification that invalid characters have been entered when making a payment in Internet Banking?

    If a notification that invalid characters have been entered appears, re-check all the payment fields.

    The permitted characters are:

    a b c d e f g h i j k l m n o p q r s t u v w x y z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z 0 1 2 3 4 5 6 7 8 9 / - : ( ) . ,? ' +

  • How can I find out the payee’s correspondent bank if it’s not indicated in the invoice?

    Information about the payee’s bank and correspondent bank is not required when making EUR payments to EEA countries.

    When making non-EEA payments, it is necessary to provide information about the payee’s bank (SWIFT code and name) and, preferably, also information about the correspondent bank of the payee’s bank. Detailed information is available to the payee.

  • What is the AMK code?

    AMK, or external payment code, is information required by the state about payments made from Latvia to foreign countries. A three-digit payment code must be assigned for such payments based on the classifier according to the international standards of the payment balance sheet. Payment codes are divided in 9 groups according to standard items in the payment balance.

  • What to do if a payment has been made but the beneficiary has not received it?

    In the payment history section, verify that the payment has been made and correct details have been specified for it.

    • If details have been specified correctly, send the payment order copy to your counterparty showing that the payment has been made on your part.
    • If incorrect payment details were specified but it was executed, check the payment details. Find out more here.
    • If the payment cannot be found in the payment history, make sure that the account has sufficient funds, check what execution date is set for the payment and check if it’s not awaiting confirmation.
    • If the payment has other status, execution of it has not been started because the account lacks sufficient funds for execution of the payment, covering the fee or the payment has been set up with a future execution date. Find out more here.
  • Why was the executed payment returned?

    A payment is not executed if all mandatory fields marked with asterisk in the payment details are not filled out.

    If the payment is returned by beneficiary bank or correspondent bank, then the reason for declining is specified in the detailed information about the payment.

  • Why has the beneficiary received a smaller payment amount?

    Swedbank charges a separate fee for processing of the received international payment (in other currency or outside the EEA). If the payer has chosen the fee to be covered on shared basis, then the payer covers the fee for execution of payment, whereas the correspondent bank’s and beneficiary bank’s fee is covered by the recipient of money.

  • Will the payment be made if the status “Processing” is shown for it in Internet Banking?

    Yes, the payment will start in 15-20 minutes. If it does not happen, contact the bank by phone on 67 444 444.

  • Where can I see the payment made if it does not show up neither in the history section, nor in account statement?

    If, after making a payment, you cannot find it in payment history or account statement, and also your account balance has not decreased, then most likely the payment has not happened.

    Check the “Payment list” section and make sure that the payment has not been prepared with a future date (status - “Awaiting funds”).

Accounts

  • What documents are needed to open a current account?

    If the company is registered in Latvia:

    • The identity documents of the authorized signatory and all the beneficial owners of company
    • If the company is not subject to registration with the Register of Enterprises of the Republic of Latvia, then please submit the articles of association/bylaws and documentary proof of registration and the registered office

    If the company is not registered in the Republic of Latvia:

    Originals or their copies that are legally valid in the Republic of Latvia:

    • Documentary proof of registration and the registered office, such as registration certificate issued by the respective country’s business registration authority or a certified copy of it which may not be older than 31 day (in case the documentary proof of registration needs to be additionally certified or legalized – not older than 60 days)
    • Articles of association/bylaws which lays down the procedure for how authorized signatories are granted powers
    • Documentary evidence of the powers of the authorized signatories. If the powers of the authorized signatories are certified by an extract or true copy issued by the respective country’s business registration authority, then such an extract must be issued not earlier than 31 day before entry into the business relationship
    • Documents certifying the customer’s shareholders and the beneficial owner

    Documents may be submitted in Latvian, Russian, and English languages. Documents in other languages must have a notarized translation in Latvian, English or Russian attached.

  • What is the fee for account opening?

    Upon starting business relationship with the bank, only the account opening fee or the business bundle activation fee applies.

    If the company is not registered in Latvia or if a Latvian-registered company has at least one authorized signatory who is a non-resident, then also the first-time document checking fee will be charged additionally.

  • How to open a temporary account?

    Remotely:

    • The founder of the company must have the Swedbank Private Internet Banking user account and the eID card with activated eParaksts feature:
    • Fill out the application on the Internet Banking site
    • The company formation agreement or resolution must be signed with the eSignature and e-mailed in EDOC format to uznemumi@swedbank.lv
    • The account number will be sent in a bank message within one business day
    • The equity capital can be deposited via Internet Banking

    At branch: In this case, you’ll need to submit the following documents:

    • Formation agreement/resolution
    • Minutes/decision of the founder meeting on appointment/election of authorized representatives if the company to be founded is not represented by the founders stated in the formation agreement/resolution themselves
    • Identity documents of the representatives of the company to be founded
  • How much time does it take to open an account at a branch or via Internet Banking?

    Unless account opening requires an in-depth investigation, the process takes up to an hour. The bank may require additional documents in the course of evaluation. In such an event, account opening may take longer. The bank employee will let you know personally about the expected timeframe.

    In order to book a time most convenient to you for account opening at a branch, we recommend applying beforehand via Internet Banking here.

    In case of the first account, only applying is possible remotely. Agreement signing always takes place at the branch.

    An additional account can be opened via Internet Banking by the company’s authorized signatory who has their right to represent the company singly indicated in the Register of Enterprises and who is a resident of the Republic of Latvia.

  • How to close the company’s account(s)?

    An account can be closed both at a branch and remotely.

    At branch:
    The authorized signatory must fill out the application for account closure.

    Remotely:
    The order to close the account and all the connected services may be submitted remotely by the company’s authorized signatory who is indicated in the Register of Enterprises of the Republic of Latvia and has the right to represent the company individually, by calling the Consultations Centre, sending a message via Internet Banking, making an electronic application in free form, or filling out the application for account closure signed with the eID card and e-mailed to uznemumi@swedbank.lv.
    If the account balance is positive, the funds can be transferred to other account. To do so, send an application signed with the eID to uznemumi@swedbank.lv.
    In all cases, the services agreements must be terminated and the account balance must be zero at the time of closing the account.

  • How much does it cost to close an account?
    Closure of an account is free of charge.
  • How to authorize somebody else to operate the account?
    You can execute the form “Specimen Signature – Power of Attorney” for the person at any Swedbank branch. Alternatively, a person may be authorized to operate the company’s account by adding them as a user with specific rights in the Remote Banking Services Agreement. Information about user management is provided here.
  • What to do in case of change in authorized signatories of the company?
    The company’s authorized signatory may cancel signatory powers by calling the Consultation Centre, by sending a message to the bank via Internet Banking, or at any branch. For companies which are registered outside the Republic of Latvia, which are not subject to registration with the Latvian Register of Enterprises, as well as if the signatory powers need to be formalized for a person who is not an authorized signatory according to the Latvian Register of Enterprises, then the signatory powers may be set up at branches only.
  • Who may operate the account?
    The account may be operated by a person who has the right to represent the company individually or together with other representative(s) of the company according to information available in the business register of the company’s country of registration, in the form “Specimen Signature – Power of Attorney” (if such has been executed at a branch), or according to a notarized power of attorney.
  • What to do in case of change in owners of the company?
    If the company’s ownership has changed, then the company’s Customer Questionnaire must be updated. The authorized signatories can do it here or any Swedbank branch.
The customer questionnaire can be filled out here or at any Swedbank branch.

Cards

  • Where can I order the debit card?
    • The most convenient option is to do it via Business Internet Banking.
    • By contacting the bank by phone on 67 444444.
    • At your nearest branch.

    Via Business Internet Banking:

    • The application can be filled out by any Business Internet Banking user of the company.
    • The application must then be confirmed and the Card Agreement must be signed within 7 days by a user who, according to the Register of Enterprises, is entitled to represent the company singly and is logged in to Internet Banking with the Smart-ID or eID.
    • If the Card Agreement is not signed, the application is deleted and production of the card is not started.

    By contacting the bank:

    By a person who, according to the Register of Enterprises, is entitled to represent the company singly.

    At branch:

    The card can be ordered by the company’s authorized signatory (one or several) who is entitled to represent the company according to information at the disposal of the bank or according to the Register of Enterprises.

  • Where can I apply for the credit card?

    Via Business Internet Banking:

    • The application can be filled out and confirmed by any Business Internet Banking user who, according to the Register of Enterprises, is entitled to represent the company singly.
    • After receiving your application, a bank employee will contact you in 1 business days' time to arrange the next steps.

    Branches

    The card can be applied for by the company’s authorized signatory (one or several) who is entitled to represent the company according to information at the disposal of the bank or according to the Register of Enterprises.

  • How to change the way the card is received?

    The most convenient way is to do so in the Our company cards section of the Business Internet Banking site by clicking the “View/Change” button.

    • Card delivery method can be changed by users with full-access rights in Business Internet Banking.
    • Card delivery method can be changed no later than 40 days before the card's expiration date (shown on the card).
  • How to change the way the card is received?

    The most convenient way is to do so in the Our company cards section of the Business Internet Banking site by selecting the appropriate card. Card delivery method can be changed by users with full-access rights in Business Internet Banking.

    Attention! Card delivery method can be changed no later than 2 months before the card's expiration date (shown on the card).

  • Who can activate the debit card and how?

    In the Our company cards section of the Business Internet Banking site:

    • It is possible to activate debit cards received by post.
    • If the Card Agreement is already signed, the card may be activated by a user with full-access rights.
    • If the Card Agreement is not signed at the moment of ordering the card, the card can be activated only together with signing the agreement.
    • The Card Agreement may be signed by a person who, according to the Register of Enterprises, is entitled to represent the company singly and is logged in to Business Internet Banking with the Smart-ID or eID.
    • Before activation, please make sure that the cardholder and company details shown on the card are correct.

    Attention! The card must be activated within 30 days of it being delivered by post. Cards not activated on time will be irreversibly closed due to security reasons.

  • What are the card limits?

    The following limits and user rights apply for all cards:

    • On cash deposits and withdrawals.
    • On card purchases.
    • On paying bills in cash machines (only for debit cards).
    • On viewing account transactions and past payments.

    When a card is produced, it has the default limits but after the debit card is issued, also personalized limits may be set up. We encourage doing so via Business Internet Banking.

    Default limits for the Debit card are avaliable here, but for Credit cards - here.

  • Who can view and modify the limits and how?
    The most convenient way of checking out the limits is doing so in the Our company cards section of the Business Internet Banking site by selecting the appropriate card next to the respective card. To change the card limits, the user must have full-access rights in Business Internet Banking or according to the Register of Enterprises, is entitled to represent the company singly.
  • What card operations may be restricted via ATM?
    It is possible to restrict cardholder’s access to the balance of account linked to the card and last 5 performed transactions. To do it, you need to change the cardholder’s rights. The most convenient way is doing so in the Our company cards by selecting the appropriate card.
  • Are Visa and Mastercard cards also valid abroad?
    The cards are accepted for payment in all retail outlets worldwide where the Visa or Mastercard logo is shown and the retailer accepts that type of cards.
  • How is card currency exchanged from the card’s principal currency to other currency?

    At the moment of settlement, exchange to the necessary currency takes place automatically. The account must have sufficient balance in the card's principal currency.

    Settlements in foreign currencies are subject to currency exchange mark-up for the debit card and credit cards according to the Price List.

  • Where can I find information about exchange rates?
    Information about current exchange rates is available on the websites of the international card organizations: Mastercard and Visa.
  • Is there a possibility that my card might not be accepted?
    There are no restrictions on use of cards on the part of the bank, however every retailer is free to choose what type of cards to accept.
  • How is the transaction amount reserved and debited?
    At the moment of transaction, the amount is reserved in the account to which the card is linked. The amount reserved is debited from the account when the bank receives complete information about the transaction from the merchant but no later than within 30 days after the transaction was performed.
  • How is the amount for a credit card transaction reserved?
    • Purchases with the Business Credit Card have an interest free period of up to 30 days for using the credit limit - from the time of purchase until the 1st date of the following month.
    • Purchases with the Business Gold Credit Card have an interest free period of up to 40 days for using the credit limit - from the time of purchase until the 10st date of the following month.
    • During the interest-free period, the purchase amount is reserved and no interest accrues on the reserved amount for drawing on the credit limit.
    • In isolated cases, for purchases made during last days of the month and about which information has been received at the bank belatedly, the interest-free period and the amount reservation time be automatically extended to the 1st or 10th date (depending on the credit card type) of the month following the next month.

    Attention! The interest-free period is not in force for transfers and cash withdrawals from the credit card account and interest starts to accrue on the outstanding credit limit immediately after the transaction.

  • How is the used credit repayable?
    • All used credit limit (for purchases, transfers and cash transactions) is automatically transferred from the credit card account until the 1st date (for Business Credit Card) or until the 10st date (for Business Gold Credit Card).
    • If the current account does not have enough funds for automatic repayment of the amount of the credit limit, partial repayment does not take place and the interest calculation also begins for the purchases for which the interest-free period has ended.
    • The Company may at any time repay the used credit limit itself, including the necessary funds on the credit card account, thereby terminating the interest calculation.

    Attention!

    • The credit limit used for purchases is always reserved until the end of the interest-free period, regardless of the company's funds in the credit limit account.
    • On the 1st or 10th date of each month (depending on the type of credit card), at the same time as the automatic repayment of the used credit limit, the card-linked current account is also charged:

    - Monthly fee for using a credit card

    - Interest on credit limit usage

  • What’s ‘Internet shopping’?
    This means double protection of your online purchases with repeated authentication provided by Mastercard SecureCode and Verified by Visa solutions. The logos Mastercard SecureCode and/or Verified by Visa are featured in the online stores which have joined the programme. To find out more, see here!
  • Where can I register the card for internet shopping?
    On the Internet Banking site under “Internet shopping” by clicking the button “Enable”. Registration is necessary for new cards only. If the card is renewed or replaced, the settings of the previous card are kept.
  • How can I check whether the card is registered for internet shopping?
    The registration status is visible on the Business Internet Banking site in section “Internet shopping”. Green icon next to the card number means that the card is registered for internet shopping. Red icon means that the card is not registered for internet shopping.
  • Can the card be used for paying at all online retail outlets?
    The registration status is visible on the Business Internet Banking site in section “Internet shopping”. Green icon next to the card number means that the card is registered for internet shopping. Red icon means that the card is not registered for internet shopping.
  • What could be the reason I can't pay online with a card?

    There are no restrictions on use of cards on the part of the bank.

    The most frequent reasons for refusing a purchase could be:

    • Internet shopping feature may be not enabled for the card.
    • The account lacks sufficient funds.
    • Card's purchase transaction limit is exceeded.
    • The card has expired (see the expiry date on front of the card).
    • Software settings of the device used, or web browser settings are not compatible with the retailer’s solution.
    • The device’s cache memory has not been cleared.
    • The retailer has set restrictions for transactions (e.g. cards of a specific type or cards issued in a specific country are not accepted). For detailed information, see the merchant’s website.
  • Who can suspend a card and how?
    • В интернет-банке для предприятий – пользователь с полным режимом интернет-банка пользователь, который уполномочен единолично представлять предприятие согласно Регистру предприятий.
    • В мобильном приложении Swedbank для предприятий (только для Android) – лицо, уполномоченное единолично представлять предприятие согласно данным Регистра предприятий или сам пользователь карты.
    • По телефону 67 444 444 – лицо, уполномоченное единолично представлять предприятие или сам пользователь карты.
    • В филиале – лицо (одно или несколько) с правом подписи, которое по имеющейся в распоряжении банка информации или согласно Регистру предприятий уполномочено представлять предприятие, или сам пользователь карты.
  • What to do in case the card is stolen?

    If a card is stolen, it must be closed immediately:

    • On the Business Internet Banking site by sending a message to the bank.
    • By contacting the bank by phone on 67 444444.
    • If it’s not possible to get in touch with the bank, then the card can be suspended by calling the card 24h international assistance line: Mastercard on +0800-96-4767, Visa on +8000-02288.
  • Is it possible to re-activate a blocked card and within what timespan?

    The operation of a blocked card can be restored:

    • If the card has been blocked on the Business Internet Banking site, its operation can be restored within 10 days by a user having the full rights in the section “Company’s cards” selecting the appropriate card.
    • If the card has been blocked at a branch, its operation can be restored within 70 days by visiting a bank’s branch and producing the passport or ID card and also taking the blocked card with you.

    Attention! If the suspended card is not re-activated within this timespan, it will automatically be closed.

Internet Banking

  • Payment-preparation mode
    The user can prepare orders for execution of payments. The user can view all payments prepared and no other functionality will be available.
  • Information-only mode
    The user can, in addition to the functions available in the payment-preparation mode, access information on transactions in the account: see account balance, get account overviews and account statements.
  • Transactions mode
    The user can, in addition to the functions available in the information-only mode, confirm payment and transfer orders (send a payment for execution) and can give orders for execution of selected operations.
  • Full-access mode
    Allows using all the features in the Business Internet Banking facility – performing all the available online banking operations.

POS

  • Where can I see the POS reports?

    The POS reports are available here by selecting a specific period.

    Learn more about the report types and options here.

  • What to do if we haven’t recieved the POS reports?

    Make sure that the day closure report has been sent from your POS terminal on the day for which the report is missing – has the money been received in the account and the report slip has been printed from the POS.

    If the day closure report has been sent but the POS reports are missing on the Internet Banking site, please contact the bank.

    If the day closure report has not been sent, then send the report manually, following the instructions provided in the user manual of the respective POS model (see the links provided here).

  • What to do if we need a report on an earlier report?

    Send us a message via Internet Banking, make an application at any branch, or request by phone on 67 444 444. The fee for repeated preparation of the report is charged as per price list. Learn more here.

  • How to switch POS from one company to another?

    Step 1

    Send the bank a message via Internet Banking or file an application at any Swedbank branch for the POS terminal agreement closure, specifying also which company the POS terminal will be switched to.

    If you use the mPOS, then the mPOS must be uninstalled from the smart device before terminating the agreement!

    Step 2

    Open a new POS agreement for another company. The company that will be the new POS terminal user needs to apply for the POS terminal in any Swedbank branch or via Internet Banking (here). In the field “What else should we know?“ on the Internet Banking site, please specify the company name and registration number of the existing POS terminal holder.

    Step 3

    After signing the new agreement, you will be contacted by the supplier of the terminal who will also help perform the necessary actions for switching the POS terminal if the POS is rented from the bank.

    If the POS is not rented from the bank, you need to contact the POS terminal supplier.

    If you’ll use the mPOS, make sure that the previous owner has uninstalled it from their smart device. Before starting to use the mPOS, it will need to be installed; find the instruction here.

  • What’s the procedure for returning the POS and terminating the agreement?
    POS terminals rented from the bank may be returned at any branch by any representative of the company. The agreement may be closed by the authorized signatory indicated in the Register of Enterprises by sending a message to the bank via Internet Banking or lodging an application at any branch.

Quick notifications

E-invoices

  • How to apply for automated payment of e-invoices?
    Click the "Order new e-invoice" button and, in the list, find the name of the company for which you wish to enable automated payment of e-invoices. When filling out the application, make sure you have the automated payment checkbox ticked. Setting up the agreement is free of charge. The automated payments are subject to the current price list of payments.
  • What are the possibilities to choose the invoice payment date?

    When setting up e-invoice automated payment, you can choose the payment day to be:

    • The due date (the payment deadline specified by the service provider in the e-invoice).
    • Two days after receiving the e-invoice. That way the e-invoice will be paid in timely manner without waiting for the deadline.
    • Two days before the due date. If the payee’s account is with other bank, you can be sure that the amount will be transferred to the payee until the due date and the payment will not be overdue.

    You can modify the terms of payment by selecting the respective e-invoice automated payment agreement.

  • Will my e-invoice be paid automatically if my account lacks funds in EUR but has funds in other currencies?
    The e-invoice will not be paid if there is no positive balance of EUR currency in the account on the due date. The account must contain funds in EUR currency. If you have funds in other currency in your account, exchange the required amount of funds into EUR via Internet Banking before the date due for payment.
  • What will happen to automated payment if the account lacks funds on the due date?
    When the account balance is not sufficient for paying the e-invoice on the due date, the system will automatically check availability of funds for 6 more days. If, on the seventh day, the account does not have sufficient funds to pay the e-invoice in full, the invoice may be paid in part if you have permitted partial payment in your e-invoice automated payment agreement.
  • What should one know about monthly limits?

    At the time of setting up the agreement, you can specify a monthly limit of your choice which may not be exceeded in the automated payment of e-invoices. If the amount of the invoice exceeds the set limit, the payment of the invoice depends on whether you’ve permitted partial payment. If partial payment is permitted, then an amount which is equivalent to at least half of the invoice amount and does not exceed the set limit will be transferred to the payee. If partial payment is not permitted or if it's possible to transfer only an amount which is less than half of the full invoice amount, then no payment will be made. Please verify that the monthly limit is high enough and that there are enough funds in your account for paying invoices as they fall due.

    The payment arrangements may differ from case to case, therefore, when setting the monthly limit, allow for the fact that more than one invoice may be sent in within a month and that the cost of service may be subject to change (for example, the first month’s invoice may include down payment). In such an event, the amount debited from your account will be larger than usual.

  • Which e-invoice operations are available depending on the Business Internet Banking use mode?

E-commerce

Loans

Leasing

  • How to notify of partial/full early repayment and how much does it cost?

    To notify of early repayment in part or in full:

    • send a message to the bank via Internet Banking;
    • fill out an application at a branch.

    The fee for partial/full early discharge of obligations is charged according to the price list.

  • Why does the Internet Banking show the invoice as unpaid although I’ve already paid it manually?

    During the whole leasing agreement, you will receive monthly e-invoices to your Internet banking site.

    Please consider that the e-invoice is not automatically linked to the payments you create yourself.

    If you create the leasing payment yourself (not using the e-invoice functionality), cancel the automatic payment for the received e-invoice and archive it.

    For your convenience, we recommend using the options offered for e-invoices: to activate automatic payment.

  • Why was I charged again for leasing the e-invoice if I had already paid it manually?

    Most likely, you have automatic payment of e-invoices enabled.

    If you create the leasing payment yourself (not using the e-invoice functionality), cancel the automatic payment for the received e-invoice and archive it.

    During the whole leasing agreement, you will receive monthly e-invoices to your Internet banking site. Please consider that the e-invoice is not automatically linked to the payments you create yourself.

    For your convenience, we recommend using the options offered for e-invoices: to activate automatic payment.

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