Pricelist

Distribution of free capital

Product/Service		Price, EUR
Applying
Contract signing	Easier via Internet Banking	Free of charge	Deposits in USD, NOK, GBP can be placed at Swedbank branches as well. Increasing the deposit is not possible.
Cash deposit or online payment to the savings account on deposit start date		Free of charge
Interest rates		See Annual Interest rates	The interest rate is fixed for the whole period of the deposit. Accrued interest available: a) Upon maturity - The yield is calculated on daily basis for the deposit amount and transferred to the principal account upon maturity; b) on a monthly basis - The yield is calculated on daily basis for the deposit amount and transferred to the principal account on a monthly basis. If the time period, for which the deposit is placed, differs from the standard durations specified in the price list, then an interest rate for the closest shorter period will be applied.
Using
Servicing		Free of charge	Increasing the deposit is not possible. The agreement can be enabled to extend automatically for the same or other period at the minimum extension interest rate specified by you.
Closing
Early termination of the agreement		1% of the deposit amountIf the agreement is terminated before maturity, then the depositor will not be paid the interest accrued, plus any interest paid out earlier will be withheld if there have been any and penalty will be withheld from the deposit amount. The withholdings will be made from the deposit amount before payout.	Early termination of the deposit agreement can be requested via Internet Banking, at branches or via Telephone Banking on 67 444 444.

Annual Interest rates

Contract Currency	The minimum amount of deposit	Maturity
		1 month	3 months	6 months	1 year
		Annual rate, %
EUR	0.01	2.75	3.00	3.25	4.00
USD	0.01	1.00	1.50	1.75	3.00
GBP	0.01	0.50	0.70	0.90	1.30
NOK	0.01	0.30	0.40	0.60	1.00
SEK	0.01	0.30	0.40	0.60	1.00

Effective from 15.09.2023.

Overnight deposit

Deposit amount EUR	Annual interest rate calculation	Annual interest, %
Starting from 30 000	1w Euribor – 2.3	1.565
Starting from 100 000	1w Euribor – 2.1	1.765
Starting from 500 000	1w Euribor – 1.9	1.965
Starting from 1 000 000	1w Euribor – 1.7	2.165
Starting from 3 000 000	1w Euribor – 1.5	2.365

Changed 07.12.2023 18:00:30

Interest rate is presented on a basis of accounting year (360 days). Interest is calculated for the actual deposit days.

Deposit amount USD	Annual interest rate calculation	Annual interest, %
Starting from 30 000		0.000
Starting from 100 000		0.000
Starting from 500 000	SOFR – 4.2	1.120
Starting from 1 000 000	SOFR – 3.7	1.620
Starting from 3 000 000	SOFR – 3.4	1.920

Changed 07.12.2023 18:00:30

Interest rate is presented on a basis of accounting year (360 days). Interest is calculated for the actual deposit days.

Investment funds

Fund orders submitted to the Bank cannot be cancelled.
Fee for fund switch transactions charged only on delivery side.
Fund switch subject to the conditions specified in the fund terms.

Investment funds

Service	Price, EUR
Receiving
Opening of securities account	See Securities account
Securities account statements	See Securities account
Subscription, redemption and switch of investment fund units options
Subscription	Bond	Equity and balanced
Swedbank Group funds	Free of charge	Free of charge
Franklin Templeton funds	0,50% (min. 7,00)	1,50% (min. 7,00)
Other funds	0,50% (min. 21,00)	1,50% (min. 21,00)
Redemption
Swedbank Group funds	Free of charge	Free of charge
Franklin Templeton funds	7,00	7,00
Other funds	21,00	21,00
Monthly Funds Safekeeping Fees
Swedbank Group funds	Free of charge
Other funds	See Securities account
Closing
Closing of securities account	See Securities account

Effective from 09.12.2019

Securities and Other Exchange-traded financial instruments

Fees charged from both parties of the transaction
Bank internal transactions are transactions between the securities accounts of the Bank’s clients.

Information on eligible foreign securities is available from the Bank.
Bank internal transactions are transactions between the securities accounts of the Bank’s clients.
Transaction fee includes standard settlement fees charged by the Bank’s Custodians.
Same fee applies to both free of payment and against payment transactions
Fees charged from both parties of the transaction

Percentage based trading fees calculated from trade amount.
Trading fee is charged in trading currency based on the Bank’s exchange rates.
Trading orders transmitted to the Bank can cancelled until executed.
In case the order is not executed in full during a single trading day, the trading fee (including minimum trading fee) for partial order execution is charged in full for each trading day when the order is partially executed.
On certain markets, minimum transaction amounts may apply.
Exchange traded funds (ETFs) in context of this pricelist are treated as shares.
Futures and options traded with the Bank are not registered on clients’ securities accounts.
The Bank shall disclose the specific mark-up in debt securities trading price upon Client’s request before entering into transaction.
A stamp duty of 0,5% of transaction amount on buying UK securities and 1% on buying Irish securities is added to the transaction charges. In certain events, a higher rate (1,5%), a bonus rate or tax exemption may apply for UK securities.
If purchase transactions are subject to FTT according to local market regulations (e.g. France 0,3%, Italy 0,1%, Hungary 0,3% etc.), such tax is added to the transaction charges.

Securities and Other Exchange-traded financial instruments

Further information on securities accounts and transactions and payable and paid charges is available from the Bank.
If the Bank is obliged to pay taxes, fees, interest, penalties or incur other costs (that are not covered in the Bank’s price list below) for the provision of securities safekeeping and transaction services to the Client, the Bank shall have the right to debit such amounts from the Client’s Cash Account without Client consent.

Service	Price, EUR
Receiving
Opening of securities account	See Securities account
Securities account statements	See Securities account
Other transactions with Latvian securities options
Transfer from Initial Register (Deregistration)	4.50
Securities transfer to the insolvent companies register	4.50
Free of payment transaction	4.50
Bank internal free of payment transaction	3.00
Against payment transaction in EUR	6.00
Against payment transaction in USD for USD nominated securities	40.00
Subscription to securities of new issue/ participation in offering	Transaction fee		Transaction fee depends on the transaction type (without payment or versus payment)
Other transactions with foreign securities options
Bank internal free of payment transaction	3.00
Bank internal against payment transaction	6.00
Estonia, Lithuania	10.00
Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Hungary, Ireland, Italy, Norway, Netherlands, Poland, Portugal, Spain, Sweden, Switzerland, UK, USA, Eurobonds	25.00
Foreign funds	45.00
Subscription to securities of new issue/participation in offering	Transaction fee		Transaction fee depends on the transaction type (without payment or versus payment) and the country where the securities are registered
Service	Price, EUR
	Channel of submitting the order
	Via Internet Banking	At branches/By phone 67444141
Broker services
Equities and exchange-traded funds (ETFs) on stock exchanges options
Estonia, Latvia, Lithuania	Free of charge	0.4%, (min. 5.60 EUR)
in Germany (Xetra), Sweden, USA	0.25%, (min. 10.00 EUR)	0.4%, (min. 28.00 EUR)
in Belgium, Canada, Denmark, Finland, France, Ireland, Netherlands, Norway, United Kingdom	0.25%, (min. 15.00 EUR)	0.4%, (min. 28.00 EUR)
in Austria, Czech Republic, Hungary, Italy, Poland, Portugal, Spain, Switzerland	0.25%, (min. 15.00 EUR)	0.4%, (min. 42.00 EUR)
In other countries	Subject to agreement
Direct transactions on Nasdaq Riga	Subject to agreement
Participation in auctions organized by Nasdaq Riga	Subject to agreement
Debt securities
Transactions with debt securities on stock exchanges and secondary market over-the- counter (OTC) transactions with debt securities	A transaction surcharge of up to 0.5% of the transaction face value is included in the bond price	When the price or yield is negotiated, a transaction surcharge or a fee of up to 0.5% of the transaction face value (min. 30 EUR or the equivalent amount in other currencies) is applied
The acquisition of Latvian, Lithuanian and Estonian government debt securities at local primary auctions	-	A transaction surcharge or a fee of up to 0.1% of the acquired bond’s face value (min. 30 EUR or the equivalent amount in other currencies) is applied
Fee for transactions with exchange-traded futures	Agreed on case-to-case basis
Fee for transactions with exchange-traded options	Agreed on case-to-case basis
*On account opening and maintenance with a Clearing house for transactions with futures and options:** *Any Clearing house that is an authorised central counter party (CCP) for the purposes of the European Market Infrastructure Regulation (Regulation (EU) No.648/2012).
Net Omnibus Segregated Account (NOSA)	Free of charge
Gross Omnibus Segregated Account (GOSA)	Agreed on a case-to-case
Other securities services
Transaction cancellation	Transaction fee		- Cancellation of instructions is allowed only if instruction is not yet processed by the Bank. - Transaction fee depends on the transaction type (without payment or versus payment) and the country where the securities are registered
Pledge transaction	15.00
Blocking of securities on bailiff's instructions	Transaction fee		Transaction fee depends on the transaction type (without payment or versus payment) and the country where the securities are registered
Transactions with investment fund units	See Investment Funds

Effective from 13.07.2023

3rd pension pillar

Service	Price
Receiving
Application acceptance	Free of charge
Using
Setting up regular contributions	Free of charge
Fees on contributions:
- To the Bank of Latvia	0% Payments to the Bank of Latvia are covered by Pension Fund.
Fees on savings (per year)	Pension plan
Fees on savings (per year)	Stability + 25	Dynamics + 60	Dynamics + 100	Dynamics Index
- To the pension fund	0.26%	0.26%	0.26%	0.26%	The fee is deducted automatically from the savings.
- To custodian bank	0.09%	0.09%	0.09%	0.09%	The fee is deducted automatically from the savings.
- To the asset manager	0.34%	0.34%	0.34%	0.22%	The fee is deducted automatically from the savings.
Change in the sum of contributions	Free of charge
Pension account statement on Internet Banking site, at branches	Free of charge
Switching the pension plan	Free of charge
Closing
Payout of accrued amount	Free of charge				The minimum amount for partial payout of reserve - 30 EUR. The minimum reserve after partial withdrawal of the reserve is at least 30 EUR.

Effective from 12.01.2023.

Life insurance with savings for company employees

New contract conclution for this product is not offered.

Product/Service	Price, EUR
Using
Individual Insurance administration	annual rate from the Savings reserve, min. 1,78 per month	The Administrative fee is deducted from the Savings Reserve once in month.
if the number of insured persons is less than 20	1,50%
if the number of insured persons is from 20 till 99	1,25%
if the number of insured persons is 100 and more	1,00%
Service fee for Individual Insurance modifications
- The changes of beneficiaries, Insurance Premium payment mode, Insurance Premium amount and payment frequency changes	Free of charge
- For the unit-linked savings - the changes of the Savings Reserve investment structure, investment structure for subsequent Insurance Premiums, prolongation of the term of insurance contract or Individual insurance	Free of charge
- Change of the Sum Insured / Insurance Period	7,11	The fee will be deducted from the Savings Reserve. Any changes to the Sum Insured will come into effect starting from the first day of the next calendar month after signing amendments to the Insurance Contract.
E- invoice automated payment	Free of charge
Closing
Early termination of Individual Insurance	1% of Savings Reserve, min. 21,34	The fee is deducted from the Savings Reserve
Payout transfer to account in Swedbank	Free of charge

Min. sum limits	Amount, EUR
Minimum Insurance premium, if premium payment schedule is agreed on	25,00 per month
Minimum first Insurance premium, if premium payment schedule is not agreed on	140, 00