New payment

International Bank Account Number (IBAN) is the international standardised format of your account number. Using the correct IBAN on the payment order guarantees that money moves faster, and you save on costs. International payment fee is applied when the beneficiary’s IBAN is not indicated in the payment.

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.

Payments can be received from European banks that have joined RT1 or TIPS system of instant payments and receivable amount can be up to 100 000 EUR.

A convenient and simple way to transfer money

Money transfer is fast and available 24/7
User-friendly and simple payment form
Get notifications about payments

Payments between any Swedbank Latvia accounts.

Payment in euros or foreign currencies
Beneficiary will receive money within seconds 24/7

Make a payments in Internet Banking or mobile app at any time.

Required payment data:

Beneficiary name and surname or company name (for companies only)
Beneficiary account number in IBAN format
Payment description or number of the bill/agreement/customer etc. if making a payment for services

Payments between any Swedbank Latvia accounts is transferred immediately at any time of the day.

Payment form will suggest a recipient if you‘ve made a payment like this before.
Future Payment - schedule payments ahead of time (up to 1 year in advance). Create a payment order, fill in the details, and we‘ll execute the payment on the selected day (sufficient funds required in the account upon execution).
Standing orders - great option if you make frequent or repeating transactions. Fill in the details, save, and we‘ll execute the payment when scheduled.

For Internet Banking and mobile app transfers between two Swedbank Latvia accounts, we automatically check if the IBAN number matches the indicated name and surname or company name. If they don't match, we'll let you know. This way you can ensure that you make a transfer to the intended recipient.

Note that we cannot check this for transfers made to other banks.

Payments in euros to another bank in Latvia.

Payments to another bank in Latvia can be executed as instant payment*
Choose how fast the payment is executed

* Instant payments can be executed only between banks in Latvia that have joined the instant payment network. 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.

Make a payments any time in Internet Banking or mobile app.

Choose how quickly the transfer will be executed:

Economy payments are done 5 times a day (weekdays days only, excluding public holidays). Funds will be delivered to beneficiary bank or intermediary bank on the same business day as when the Bank accepts the customer’s order (if order submitted by 4 PM).
Express payments are delivered to beneficiary bank or intermediary bank on the same business day, within an hour after the Bank accepts the customer’s order. A higher fee applies to express payments.

If the payment can be executed as an instant payment the priority will be set automatically.

Required payment data:

Recipient name and surname or company name (for companies only)
Recipient account number in IBAN format
Payment description or number of the bill/agreement/customer etc. if making a payment

Payment form will suggest a recipient if you‘ve made a payment like this before.
The fee will be displayed before you submit the transfer.
Future Payment - schedule payments ahead of time (up to 1 year in advance). Create a payment order, fill in the details, and we‘ll execute the payment on the selected day (sufficient funds required in the account upon execution).
Standing orders - great option if you make frequent or repeating transactions. Fill in the details, save, and we‘ll execute the payment when scheduled.
Foreign currency payment to another bank in Latvia can be executed by international payment order. Keep in mind that you will be charged the international payment fee for these payments.
EUR and foreign currency payment outside Latvia can be executed by international payment order.

document Terms of Account Agreement

Service	Payment submission type and time	Price, EUR
		via Internet Banking	via Branch/Telephone Banking
		Shared
Intra-bank payments
To own or other person's account at Swedbank Latvia	Immediately	Free of charge	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 accepts the customer’s order. 16:00	0.36 Free of charge for account holders of up to 22 years of age.	5.00
	Express Delivery of funds to beneficiary bank or intermediary bank on the same business day, within an hour after the Bank accepts the customer’s order. 16:00	15.00	20.00
To an account at Swedbank Group Payments to Estonia, Lithuania, Sweden, Finland, Norway.	Economy Delivery of funds to beneficiary bank or intermediary bank on the same business day as when the Bank accepts the customer’s order. 17:30	0.36 Free of charge for account holders of up to 22 years of age.	5.00
International payments
To other bank outside the European payments area countries (and European payments if beneficiary’s IBAN is not specified)		Shared/Payer	Shared/Payer
	Economy Delivery of funds to beneficiary bank or intermediary bank 2 business days after the Bank accepts the customer’s order. Unrestricted	12.00 / 23.00	15.00 / 27.00
	Standard Delivery of funds to beneficiary bank or intermediary bank the next business day after the Bank accepts the customer’s order. 16:00	15.00 / 27.00	20.00 / 30.00
	Express Delivery of funds to beneficiary bank or intermediary bank on the same business day as when the Bank accepts the customer’s order. 14:00	22.00 / 43.00	30.00 / 50.00

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

Time of submitting payment - the latest when the specific type of payment may be submitted. If no time of submitting is indicated, the payment may be submitted as long as the branch is open or at any time in the remote banking channels.

Shared - the price includes only Swedbank's fees; any other payment-related charges (by correspondent bank, beneficiary bank) are covered by the beneficiary. The Bank will remit 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 01.09.2022

Effective from 01.09.2023

You shouldn’t confirm transactions or login attempts to internet bank or app, which are not initiated by you under no circumstances.
You shouldn’t ever disclose your personal data or internet bank and app login data 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.

We will 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.

The login session is terminated when there is no activity 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 an Internet Bank session, log off (by clicking 'Logoff') and close the browser.

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”.

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 where the Swedbank mobile 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 cautious with your personal and financial data. Properly assess the threats, which you may encounter on the internet. We recommend ensuring protection of personal devices and always following these safety tips:

Only shop in reliable shops. 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, advertisements, 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, 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 a payment in an online shop, please evaluate safety of the online shop and study public internet feedback about its activity.
Safe payment via electronic banking system. When shopping in Lithuanian 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).

Have you encountered anything suspicious that may be a potential security flaw? Notify us!

It is important for us at Swedbank that our customers feel safe and secure when managing their monetary affairs with our digital 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 potential 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 in your local language at responsible-disclosure@swedbank.com. Optionally, you can 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 to resolve 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.

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 we won’t be able to respond and keep you updated on the status.

PGP key

Use this PGP key if you want to send us an encrypted e-mail. But using it is not required.

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 an 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.

Find out more

New payment

A convenient and simple way to transfer money

Make a payments in Internet Banking or mobile app at any time.

Make a payments any time in Internet Banking or mobile app.

If the payment can be executed as an instant payment the priority will be set automatically.

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