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Frequently asked questions

Cards

  • How to block a payment card?

    A card can be blocked for up to 10 days:

    • via the Swedbank mobile app, under “Cards” by switching the setting from “Active” to “Blocked”
    • on the Internet Banking site in section “Cards” > “My cards” by clicking on “Block the card”
    • by calling the bank on 67 444444.

    You can unblock the card within 10 days from blocking the card. If you don't unblock the card, it will automatically be closed after 10 days.

    If you current card is blocked because it has been lost or is not working, you can replace the card via the internet banking site ("Cards" > "My cards") or in the mobile app ("Cards") by choosing "Replace card".

  • How can I activate a blocked card?

    The card can be re-activated within 10 days since blocking:

    • in the Swedbank mobile app, under “Cards” by switching the setting from “Blocked” to “Active”
    • on the Internet Banking site in “My cards” section by clicking on “Activate the card”
  • How can I order a new card?

    Order a new card (if you currently don’t have a Swedbank card or you wish to order an additional card) in Internet Banking under “Cards”. Then choose “Debit cards” or “Credit cards” according to your needs.

    If you already have an active or inactive Swedbank card which needs to be replaced due to being lost, because you’ve forgotten your PIN code or for another reason, you can order a replacement in Internet Banking under “Cards”>“ My cards”>“Replace card”.

    In the replacement process, the new debit card will be produced with a new expiry date and a new PIN. A credit card will be renewed for the existing period but with a new PIN.

  • Do I have to order a new card if my current card expires soon?

    No, the card will be renewed automatically two months before expiry date of your existing card. A new card will be made for you and delivered to the branch/by post to the address that you indicated as the location for receiving the card.

    In cases when the credit card is not renewed, we notify the customer 2 months before the credit card expiry date by an Internet Banking message, text message or postal letter.

  • How to get a renewed card before the expiry date of my current card?

    If your current card has been lost or is not working, you can apply for a card replacement before the expiry date of your current card. You can do it in our app under “Cards” by choosing “Replace card” or in the internet banking site under “Cards" > “My cards” > “Replace card”. When you activate the replacement card, your old card will automatically be closed.

    If card replacement function is not available, you will need to order a new debit card or apply for a new credit card.

  • What to do if I don’t want to renew the card?

    On the Internet Banking site in “My cards” section, click the “Change limits” button and select “No” next to the card renewal option and click “Forward” to confirm changes in the Card Agreement with the Smart-ID or PIN calculator.

    If you do not want to renew your credit card, contact bank.

  • What is the expiry date of my card?

    The month and year until which the card is valid are shown on the card. The card will be usable until the last day of the month.

  • What to do if I’ve made a mistake in ordering a card or have ordered it twice via Internet Banking?

    If you’ve ordered another card while the current one is still valid, you have two options:

    • when you receive the card, activate it and your current card will be closed automatically.
    • when you receive the card, do not activate it and it will be closed automatically after 60 days.
  • Is it possible to order a card for delivery abroad?

    Yes. The card will be delivered within approximately 3 weeks to your specified address outside Latvia using international postal services.

  • How to order a card for another person for my account?

    To order a card for another person to be used with your account, visit a branch together with the person who will be using the card. Book a visit first. Bring both of your passports and/or ID cards.

  • What do to if a card purchase that I haven’t made shows up in the account statement?

    Fill in the form in the “Bank Messages” section with the topic “Claim regarding unauthorized card transaction (not performed by me). Fill in the required fields and send the message.

    Important! It is necessary to block the card with which an unauthorized transaction was performed in the “My cards” section of the Internet Banking or by calling 67 444 444.

    For information: the card with which the unauthorized transaction was performed needs to be closed.

  • What to do if the account has been debited for an incorrect purchase amount?

    Fill in the form in the “Bank Messages” section, specifying the “Claim regarding unauthorized card transaction (not performed by me)” topic, select the reason for the claim “Transaction amount is incorrect”. Fill in the required fields and send the message.

    For information: a transaction supporting document with a correct amount must be submitted to the bank.

  • What to do if the purchase amount has been reserved/debited twice?

    Fill in the form in the “Bank Messages” section, specifying the “Claim regarding unauthorized card transaction (not performed by me)” topic, select the reason for the claim “Transaction amount reserved/debited more than once”. Fill in the required fields and send the message.

    For information: a transaction supporting document with a correct amount must be submitted to the bank.

  • What to do if the purchase has been paid for in cash or otherwise?

    Fill in the form in the “Bank Messages” section, specifying the “Claim regarding unauthorized card transaction (not performed by me)” topic, select the reason for the claim “Paid for in cash or otherwise”. Fill in the required fields and send the message.

    For information: a cash payment receipt must be provided to the Bank.

  • What to do if the product / service I’ve paid for by card has not been delivered?

    Fill in the form in the “Bank Messages” section, specifying the “Claim regarding unauthorized card transaction (not performed by me)” topic, select the reason for the claim “Product / service not received”. Fill in the required fields and send the message.

    For information: correspondence with the service provider / merchant must be provided to the Bank.

Cash can be withdrawn at Swedbank merchants’ retail locations marked with the sticker “Cash withdrawal” (“Skaidras naudas izmaksa pie tirgotāja”). Cash withdrawal is executed as a transaction accompanying a purchase at the retail location. The minimum amount of the purchase is EUR 5 and the cash withdrawal may be in an amount from EUR 5 to EUR 100. The bank does not charge any fee for this transaction, however, the merchant may choose to do so.

Credit cards

  • When does purchase insurance apply?
    Purchase insurance applies from the day of purchase and is valid for 180 days. The purchase must be made with a credit card or by payment order from the credit limit account.
  • How long is purchase insurance valid?
    Purchase insurance is valid for 180 days.
  • Where can I check the purchase insurance covers?
    Purchase insurance comes with all types of Swedbank credit cards. You can check the terms and conditions of purchase insurance and the covers in on the Internet Banking site by selecting the card type description.
  • What purchases are covered by purchase insurance?
    Purchase insurance is valid for the majority of items purchased for personal or family needs, including clothes, footwear, furniture, toys and household goods. Further information about validity of insurance covers is available in the insurance terms and conditions published on the Internet Banking site.

Payments

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

    The payment process does not depend entirely on Swedbank – it also depends on the beneficiary bank and the intermediary bank.

    Payments to accounts with European banks are reserved on the same day as when executed and are delivered to the beneficiary bank or intermediary bank on the following day. International payments are executed depending on the payment type (for further details, see the price list).

  • How to make a payment in other currency? Do I need to first exchange currencies?

    To make any payment, a domestic and international one, 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 no coverage currency is selected, the payment will not be executed.

  • Why is the amount I’ve received smaller than that indicated as the payment amount by the payer?

    Normally, this happens if the payer selects “Shared” or “Beneficiary” as the fee type when making the payment. In such an event, a part of the fee or the entire fee (if any) for the payment is withheld from the payment amount.

  • Why was my payment returned?

    If a payment made via Internet Banking is cancelled, most often the reason is that the payment cannot be executed due to lack of details. The mandatory payment fields are marked with asterisk. If the payment is returned by the beneficiary bank or correspondent bank, the reason of the refusal is provided in the detailed information about the payment.

  • I’ve made a payment but the beneficiary claims they haven’t received the money. What to do?

    In the payment history section, check:

    • whether your payment shows up there;
    • whether the beneficiary’s details are indicated correctly;
    • what is the payment status.

    If the payment status is “Done”, but the beneficiary details are incorrect, see answers to the following questions:

    In case of other payment status, see answers to the following questions:

    If the payment is not in the payment history section, see answers to the following questions:

    If the payment is in the payment history section and the status is “Done”, click on the “Payment details”, download the PDF payment file and, if necessary, send it to the recipient as proof that the payment has went through.

    If the payment is still not received after re-examination, please contact the bank and, if necessary, request investigation of the payment.

  • What is the coverage currency?

    The coverage currency must be selected upon execution of a payment order. It is another currency in the account that will be used towards covering the missing amount in case the account lacks funds for making the payment or paying the fee in the currency specified.

  • Why was a payment in a different currency nevertheless executed in the euro currency?

    The reason could be incorrectly completed fields “Payment currency” and “Coverage currency”.

  • Where can I find my payment?

    If you don’t find your payment in the payment history section or in the account statement after you’ve executed it and also your account balance has not decreased, then most likely the payment has not gone through.

    We recommend checking the “List of payments” for your payment which may have been made with a future date in error – the status of such payments is “Awaiting execution date”.

  • Are all characters permitted in the payment form?

    No, letters with diacritical marks and some other characters are not allowed to be used. If a notification that invalid characters have been entered appears on the Internet Banking site when making a payment, 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 / - : ( ) . ,? ' +

  • What is the AMK code? Why do I need to specify it?

    AMK, or external payment code, is information required by the state about payments made from Latvia to foreign countries. The code for such payments must be assigned according to the classifier where every external payment purpose is assigned a three-digit payment code according to the international standards of payment balance. Payment codes are divided in 9 groups according to standard items in the payment balance. For further information, see here.

Accounts

What are the corporate details of the bank (address, registration No, BIC/SWIFT code)?

Corporate details of Swedbank AS:


AS Swedbank
Balasta dambis 15, Rīga,
LV-1048, Latvia
BIC/S.W.I.F.T.: HABALV22
Reg. No.: 40003074764
www.swedbank.lv

The corporate details are also provided at the bottom of the Internet Banking site.

The rate overview lists all the fees charged to the account, including interest received and paid (if any). A separate rate overview is available for each account.

This information is available on the Internet Banking site by going to “Account statement > Advanced > Show only > Detailed overview of rates”. When the PDF format is selected, the rate overview will be prepared in the unified European standard. The overview period you can choose is any period that is not earlier than the last and current year.

Packages

The package can be enabled by private individuals and self-employed persons from the age of 23. The package can be enabled on the Internet Banking site under “Payments, accounts” > “Packages”. The monthly fee for the basic package is 2.20 EUR. Youths of 23 to 25 years of age get 50% off the basic package’s monthly fee. The basic package will remain in force but the monthly fee will be charged without the 50% discount.

European payments made via Internet Banking or the mobile app according to the price list - these are payments in euros to a European bank with indication of the payee’s IBAN and the payment execution mode “Economic” that have been made from any current account or credit card account.

Included payment types:

  • Domestic payments in EUR, including instant payments.
  • European payments.
  • Swedbank Group payments in EUR currency.
  • Standing order payments in EUR currency (domestic and European ones).
  • E-invoice automated payments in EUR currency.
  • E-invoice manual payment execution in EUR currency.
The Basic Package includes one debit card in the account holder’s name. If the customer has a Swedbank payment card and a Swedbank ISIC card, the Swedbank payment card is included in the Basic Package.
If several debit cards of the same type are linked to the account, the card with the longest validity period is included in the Basic Package.
Yes, an automatically renewed debit card is added to the package. The same applies to the replaced cards. A new debit card is added to the package upon its activation. The package can be had without the debit cards. The monthly fee for the package is charged in full according to the price list.

The monthly fee for the package is debited automatically from the fees account specified by the customer on the last day of the month. The monthly fee is charged according to the number of days that the customer has had the package.

If the fee account does not have sufficient funds for debiting the fee, this will result in negative account balance. The package is closed automatically if its fee account has had a negative balance for more than 90 days.

When enabling the package:

  • by the 15th day of the month, the card’s monthly fee, starting with the next month, will not be charged;
  • after the 15th day, the card’s monthly fee is charged in full in the next month as well.

When terminating the package:

  • by the 15th day of the month, the card’s monthly fee, starting with the next month, will be charged in full;
  • after the 15th day, the card’s monthly fee will be charged in full starting with the month after the next one.
Only the fee account may be changed in the package. A fee account may be only the current account. The package can be discontinued on the Internet Banking site under “Payments, accounts” > “Packages”.

Internet Banking

  • How to log in to internet banking using Smart-ID?

    First you will need to download the Smart-ID app and create an account. Find out more.

    1. Open Swedbank internet banking and under “Log in with” select “Smart-ID”.
    2. Type in the information in the required fields (User ID, personal code). The user ID consists of 6 or 7 digits. You can find it in your Remote Banking Service Agreement.
    3. Click on “Enter”.
    4. Open the Smart-ID app on your mobile device.
    5. Compare the codes shown on your mobile device and on your computer. Make sure they match.
    6. If the codes match, enter your PIN1 in the Smart-ID app.
  • How to create a Smart-ID account

    Register Smart-ID* at Branch

    1. Download Smart-ID app
    2. Visit a branch
    3. Bring your Android or iOS smart device
    4. Bring your identity document – passport or ID card

    To save time, book a consultation in advance here via Internet Banking.

    Book a consultation

    * Smart-ID Qualified Electronic Signature. Read more

    Smart-ID* account with eID card

    1. Download the Smart-ID app.
    2. Prepare your eID. Make sure in advance that you have the eID card with valid certificates and PIN codes, and have the necessary eID card software installed.
    3. Insert your eID card in a compatible card reader.
    4. Open the link “Registration with eID”.
    5. Register and create your Smart-ID account.
    6. Create and memorize PIN1 and PIN2 codes.
    7. Confirm the PIN codes and your data.

    * Smart-ID Qualified Electronic Signature. Read more

  • How much does Smart-ID cost?

    You can download and use Smart-ID app on the Swedbank Internet Banking site or in the mobile app free of charge.

  • What do I do in case of problems connecting or using Smart-ID?

    Retry in a couple of minutes. If the problem persists, contact Swedbank by phone on 67 444 444 or e-mail at info@swedbank.lv. If the problem is related to the creation of a Smart-ID account, you can contact Smart-ID support service by phone 6766 5001 or e-mail help.lv@smart-id.com.

  • I forgot/want to change my PIN. What to do?

    As we do not save PIN codes in our systems, PIN codes cannot be recovered. Delete your existing Smart-ID account and create a new one.

    How to delete a Smart-ID account
  • My PIN has been blocked. Can I unblock it?

    Upon the first instance of entering an incorrect PIN for three consecutive times, it is blocked for 3 hours. The Smart-ID app will display a countdown until you can retry entering the correct PIN.

    On the second instance of entering an incorrect PIN for three consecutive times, it is blocked for 24 hours. The Smart-ID app will display a countdown until you can retry entering the correct PIN.

    On the third instance of entering an incorrect PIN for three consecutive times, it is permanently blocked, and you are required to delete your existing account from the Smart-ID app and create a new one.

    Tap here to learn how to delete a Smart-ID account.

  • Can I use Smart-ID offline?

    No. Smart-ID only works with internet connection – either mobile data or Wi-Fi.

  • Can I use Smart-ID on several devices?

    Yes, it’s possible. If you want to use Smart-ID on several devices, you will first need to download the app on each device (smartphone or tablet) and create an account. You will also need to install Smart-ID and create an account, if you start using a new smartphone. Switching between devices and creating new accounts does not affect your bank account.

  • Can I use Smart-ID abroad?

    You can use your Smart-ID whenever you travel outside Latvia, just make sure you remember your PIN codes and have internet connection.

    The use of Smart-ID abroad will not create substantial roaming costs, since a single Smart-ID transaction in average uses merely 5 Kb of data.

  • If I have several Smart-ID accounts on different devices, on which device will I be required to enter the PIN?

    Whenever you want to log in to your internet banking using Smart-ID, the request will be sent to all your devices. Pick the device you want to use to open the Smart-ID app and enter PIN1 or PIN2. When you confirm the PIN in your selected device, you don't need to do anything on your other devices.

  • Are other people, e.g., colleagues or family members, allowed to use my Smart-ID account?

    The Smart-ID account may be used by the person who is authorized to do so. If another person uses your smart device, do not disclose your Smart-ID PIN codes to that person under any circumstances! Find out more.

  • What to do if I’ve received an unknown PIN1 request?

    PIN1 is used only for logging in to internet banking or the mobile app. Remember – don't use Smart-ID or PIN-calculator to approve any requests that you didn't initiate yourself!

  • What to do if the control codes don’t match?

    If the control code in the Smart-ID app does not match the control code you see on the Internet Banking site, press “Cancel”. Try re-entering your user ID and your identity number in Internet Banking.

  • What to do if I’ve forgotten/blocked the eID card’s PIN?

    If you use an eID card and forgot/blocked your PIN, it can be replaced or unblocked using the PUK code and the eID card’s middleware or on the eparaksts.lv website. If you forgot/lost your PIN and PUK information, request a new PIN, which will be issued in an envelope in any regional department of the Office for Citizenship and Migration Affairs (PMLP) upon presenting of your passport/eID and against your signature on a relevant form.

  • How to log in to Internet Banking with eID?
    1. Open Swedbank internet banking.
    2. In the “Log in with” section select “ID-card”. Enter your user ID (you can find it in your Remote banking services agreement).
    3. Click “Log in”.
    4. Enter the requested PIN. Click “OK”.

    Every eID card holder, who has signed the agreement on provision of certification services, will receive a sealed envelope containing PIN codes upon receiving their eID at the Office of Citizenship and Migration Affairs.

  • How to prepare your computer for work with the eID card?

    To prepare your computer to work with an eID card, please follow to steps listed here.

  • How to order the eID card with electronic signature certificate?

    eID card

    To receive the eID card, you must personally visit your nearest regional department of the Office of Citizenship and Migration Affairs and file an application for the identity card.

    For further information, go towww.pmlp.gov.lv or call the infoline on 8300.

    Certificate

    Each eID card contains the authentication and qualified electronic signature certificate to be activated upon receiving the eID card.

    The secure electronic signature service is provided by VAS Latvijas Valsts Radio un Televīzijas Centrs. Should you have any question regarding use of the secure eSignature with the eID card, please send a message to eparaksts@eparaksts.lv, call +371 67 108 787 or use the forum available at www.eparaksts.lv.

  • Where to buy the eID card reader?

    Card readers are available for purchase in computer hardware shops and online stores.

    Recommended retail outlets.
  • How can I check if my mobile phone number has been verified?
    1. Log in to Internet Banking.
    2. Click “My data” icon (profile) on the top navigation bar.
    3. Click “My contacts and settings”.
    4. Select “Contact details page”.
    5. If your number is verified, you will see the following on your contact details page: Verified mobile phone number.
  • How can I get my mobile phone number verified?

    You can have your mobile phone number verified:

    • at the nearest Swedbank branch
    • by phone on 67 444 444

    Make sure you have your mobile phone and Smart-ID/Code calculator available for use during the call with the bank.

    If you have a smart phone, you can download theSmart-ID app and verify your mobile phone number on the Internet Banking site under “My contacts and settings” > “Contact details page”.

    If you use the security token, you can verify your mobile phone number on the Internet Banking site under “My contacts and settings” > “Contact details page”.

  • What to do if I want to change my verified mobile phone number?

    You can change the verified number:

    • at any branch;
    • by phone on 67 444 444

    Make sure you have your mobile phone and Smart-ID/Code calculator available for use during the call with the bank.

  • May I provide my mobile phone number for another Internet Banking user?

    No, it’s not possible. Only one verified mobile phone number per one Internet Banking user is permitted. If the mobile phone number is used for another user, then this number will be removed from the previous user and this user will be considered to have no verified mobile phone number.

  • What to do if I can’t log in to Internet Banking?

    If you’re unable to log in to Internet Banking, please check the following:

    • If you use the new type of security token, make sure you entered the “APPLI 1” code when logging on.
    • If you use the Smart-ID, make sure that you have an active account in the Smart-ID app and that your mobile phone has the Internet available. PIN1 must be entered in the Smart-ID app within 2 minutes of appearance of the control code.
    • If you use the eID card, make sure that your computer is properly configured to work with the eID and that you entered the right PIN when logging on.
    • If you have a spouse or colleague who also uses the security token, make sure you’re using your own.
  • What is the User ID and where can I find it?

    The User ID consists of 6 or 7 digits and you can find it in your Remote Banking Service Agreement under “User ID”.

    If you can’t access the agreement, you can find out your User ID in any Swedbank branch upon presentation of passport or eID card.

  • How to log in to Internet Banking with the security token?
    1. Open Swedbank Internet Banking.
    2. In the open Internet Banking window, select “Code calculator" tab and enter your User ID and the 8-digit code generated by the security token in the appropriate fields.
    3. Click “Log in”.

    documentSecurity Token User Manual.

  • How to log in to internet banking using Smart-ID?

    First you will need to download the Smart-ID app and create an account. Find out more.

    1. Open Swedbank internet banking and under “Log in with” select “Smart-ID”.
    2. Type in the information in the required fields (User ID, personal code). The user ID consists of 6 or 7 digits. You can find it in your Remote Banking Service Agreement.
    3. Click on “Enter”.
    4. Open the Smart-ID app on your mobile device.
    5. Compare the codes shown on your mobile device and on your computer. Make sure they match.
    6. If the codes match, enter your PIN1 in the Smart-ID app.
  • How to log in to Internet Banking with eID?
    1. Open Swedbank internet banking.
    2. In the “Log in with” section select “ID-card”. Enter your user ID (you can find it in your Remote banking services agreement).
    3. Click “Log in”.
    4. Enter the requested PIN. Click “OK”.

    Every eID card holder, who has signed the agreement on provision of certification services, will receive a sealed envelope containing PIN codes upon receiving their eID at the Office of Citizenship and Migration Affairs.

  • What are the transfer limits in Internet Banking?

    The existing limits can be checked and changed (reduced or increased) upon reaching the age of 18:

    • via Internet Banking. Go to the section “Payments, accounts” > “Digital banking” > “Payment limits and user management". To change the limit, click the button “Edit agreement”. Via Internet Banking, the limits can be raised up to 10,000 EUR. By logging in to Internet Banking with the Smart-ID, security token or eID.
    • At any branch by presenting passport/eID card.

    Changes in the limit can be requested:

    • In the chat, in an Internet Banking message, by phone on 67 444 444 or during a video call.

    Document signing is available in the section “Payments, accounts” > “Document signing”. Document signing requires having the Smart-ID Qualified Electronic Signature account level.
    Find out more here.

Mobile bank

  • How to enable push notifications?
    1. Update the mobile app to the latest available version by downloading it from App Store or Google Play
    2. Allow push notifications from Swedbank app in the settings of your phone.
    3. On first use of the new version of the app, log in to the app with the Smart-ID or the code card.
    4. In the section “Settings/Push notifications”, select the notification types you wish to receive.
  • What push notifications are available?

    You can have the following push notifications:

    • On incoming money
    • On outgoing payments and card purchases
    • On loan payments – loan payment made/failed
    • On e-invoices – e-invoice received, automatic payment of e-invoice has failed, a reminder about the due date
  • How much does it cost to receive push notifications?

    Receiving is free of charge.

  • How to change the push notification delivery time?

    The delivery time cannot be modified. Push notifications about incoming money and outgoing payments can be received at any time of the day, whereas notifications on loan payments and e-invoices – during the time from 08:00 to 23:00.

  • Why did I not receive the push notification?

    This can be due to a number of reasons. We suggest checking the following:

    • Are notifications by the Swedbank app enabled in the settings of the phone?
    • Are the specific types of notifications enabled in the settings of the mobile app?
  • What’s the mobile contactless payments?

    Mobile contactless payments is a type of payments which are made with the smart phone. Paying with the mobile phone is similar to paying with contactless bank cards.

    The mobile contactless payment technology allows paying for purchases much faster, more conveniently and even safer as compared to paying by cash or bank card. Such payments have become possible thanks to the NFC (Near Field Communication) technology.

    NFC is a wireless data transfer method which controls and enables communication with nearby devices. Not only latest smart phones but also payment devices in stores are equipped with such a technology. These devices make it possible to pay for purchases at stores with contactless cards. At the moment of payment, the smart phone basically “talks” to the shop’s NFC-capable card reader. Using a specific radio frequency, it exchanges encrypted details to process the payment. Instead of the payment card number, smart phones use unique code each time. Hence, these payments are secure and convenient. Moreover, they are almost instantaneous. Speed is one of the distinctive features of NFC payments.

  • How to enable mobile contactless payments?

    Download the mobile app Swedbank Latvia. Set it as your default app for payments. Select a Mastercard with the contactless payment function for making purchases.

  • Which smart phones support mobile contactless payments?

    Mobile contactless payments are currently available on Android mobile phones.

  • What is the per-transaction limit for mobile contactless payments?

    The mobile contactless payment limit is 150 EUR per transaction.

  • Why is it important to unblock and activate the smart phone?

    Before paying with mobile phone, it is important to make sure that the screen is active and the keys are unlocked. A maximum of 60 seconds may pass since unlocking. When the device is inactive (the screen in black), the NFC antenna does not transmit or receive information. If an inactive phone is held over a POS terminal, the mobile payment will not take place. The screen must be activated before hovering it over the POS terminal.

  • What could be the problem if I can’t make contactless payments?

    This functionality is limited to contactless Mastercard cards only. Before starting to use this service, make sure that mobile contactless payments are enabled in the app for the respective card.

  • Is it safe to use mobile contactless payments?

    Using mobile contactless payments is as secure as paying by card. Moreover, lock screen is used for making mobile contactless payments. Mobile contactless payments cannot be made without unlocking the phone. The screen unlock password or pattern may not be disclosed to anyone. In case of losing the device, mobile contactless payments must be disabled. This can be done via Internet Banking or by phone on 67 444444. Lock screen must always be enabled in order to protect it from unauthorized use.

  • Is it safe to install the Swedbank Latvia app on a device that is also used by others (e.g. on a tablet PC used by all family members)?

    Installing the Swedbank Latvia app on shared devices is not permitted.

  • Where can I give feedback about this app?

    In the Contacts section of the Swedbank Latvia app, in the designated place “Send feedback” (this will open an e-mail template).

  • Is it possible to pay with smart phone also outside Latvia?
    Paying for purchases though mobile contactless payments is also possible abroad. The main precondition is that the merchant needs to support remote payments. With the Swedbank Latvia app, Android users can pay with smart phone anywhere in the world where contactless payments are accepted.
  • How to download the new app?
    • Swedbank Latvija users

      If app updates are automatic on your device, you do not have to do anything and the new Swedbank app will update itself till mid-August at latest.

      If automatic updates are not enabled on the device, you should update it manually: find the Swedbank Latvija app on App Store/Google Play and click on the update button. The update will be done in July/August. If you do not receive the update in this time or have other questions, please contact us.

    • Test app Swedbank 2019 users

      If you only have the Swedbank 2019 app, you have to switch to the new Swedbank Latvija app by manually downloading it from Google Play/App Store. It is important if you want to continue using Swedbank's mobile banking services as Swedbank 2019 was only the test version of the new app; you can delete it after downloading the new app.

    • New Swedbank app users

      Simply download the new Swedbank Latvija app from Google Play/App Store and install it on your smartphone.

  • What if I want to start using the new app now, without waiting for the automatic update?
    • iOS users can update to the new app from July 16 at any time by going to Apple Store and clicking on update, even without deleting the old app.
    • Android users will have to wait for the automatic update that will be done till mid-August at latest.
  • How to authenticate in the Swedbank Latvija app?

    When you connect to the app for the first time, you must use Smart-ID or the PIN calculator.

    The new up features the biometric login function. It means that, depending on your smartphone, you can log in with fingerprint or face recognition. It is available to iOS and Android (from version 6.0) users.

    It will be possible to login also with the traditional authentication tools – Smart-ID and/or PIN calculator.

  • What features are offered in the new app?
    It includes the most essential earlier features as well as new ones. Mobile contactless and instant payments, biometric login (fingerprint or face detection), a widget for account balance viewing are just some of all the features offered in it. All functions are listed here.
  • Is it possible in the new app to make instant payments without confirming with Smart-ID or the PIN calculator?

    Yes, the new Swedbank app lets you make up to 10 payments per 100 euros a day, without confirming them with Smart-ID or the PIN calculator, instead confirming them with biometrics. For larger payments, confirmation with Smart-ID or the PIN calculator will be required.

    If you do not use biometric identification, we have seen to that the user experience is as possibly convenient with Smart-ID.

  • Where can I find the mobile app's settings and how to switch to the corporate environment? How can I switch between the accounts of additional users connected to me?
    You can access the mobile app's settings by clicking in the circle on the upper right corner, where your initials are. There you can switch the app environment to the corporate version, switch to additional users and change other app's settings.
  • What is the fastest way to view my account balance?

    We see that most of our customers have migrated to mobile devices with biometric sensors, so we have integrated biometric identification – with biometrics, your account balance is just one scan away. It is not only fast and easy, but also secure as only the account holder can view the account balance.

    But users who do not have a device with biometric sensors, will have the option to use the account balance widget. It lets you view your account balance without logging into the app. When the widget is set up, it is visible on your phone screen, and you can view your account balance by tapping on it. The widget is available for both iOS and Android. Instructions on setting up and using the widget are here.

  • What devices can the Swedbank Latvija app be installed on?

    The new Swedbank Latvija app will operate on most smart phones and tablets currently available on the market. The device must have:

    • iOS 12.0 or newer version;
    • Android 5.0 or newer version.

    You can find which OS your device has in the device's settings.

    The app is not compatible with other operating systems (e.g. Windows Phones etc).

  • I cannot install the new app. What could be the reasons?

    Firstly, find out in your device's settings whether it OS complies with the requirements.

    If the OS is appropriate, check that your device has sufficient free data storage (the new app needs about 40 MB of free storage).

    However, if you are unable to use the app, Swedbank's internet banking site is conveniently available on your phone's browser (https://www.swedbank.lv).

  • The app reports that my device is not secure (rooted) and I cannot enable NFC payments. What can I do?
    It means that your device does not comply with the security requirements for mobile contactless payments. This message can have various reasons, one of them could be modifications to the device that cause instability or other security problems. Please try reverting any modifications made to the device, resetting to factory settings or visit a service technician.

Limits

The existing limits can be checked and changed (reduced or increased) upon reaching the age of 18:

  • via Internet Banking. Go to the section “Payments, accounts” > “Digital banking” > “Payment limits and user management". To change the limit, click the button “Edit agreement”. Via Internet Banking, the limits can be raised up to 10,000 EUR. By logging in to Internet Banking with the Smart-ID, security token or eID.
  • At any branch by presenting passport/eID card.

Changes in the limit can be requested:

  • In the chat, in an Internet Banking message, by phone on 67 444 444 or during a video call.

Document signing is available in the section “Payments, accounts” > “Document signing”. Document signing requires having the Smart-ID Qualified Electronic Signature account level.
Find out more here.

Transfer limits may be decreased to the preferred amount or increased to up to 10,000 EUR:

  • In “Payment limits and user management” section on the Internet Banking site.
  • Only by the Remote Banking Services Agreement owner who is at least 18 years of age.
  • By logging in to Internet Banking with the Smart-ID, security token or eID.

How to increase the limit above 10,000 EUR?

  • At any branch by presenting your passport/ID card.

Changes in the limit can be requested on business days, 09:00-17:00:

  • In the chat, in an Internet Banking message, by phone on 67 444 444 or during a video call.
  • Sign the requested changes via Internet Banking here with the qualified electronic signature - Smart-ID or ID card.

For limits on card transactions, go to:

  • “Cards” section of the mobile app;
  • My cards” section on the Internet Banking site by clicking on “Change limits”.

Limits on card payments in retail outlets can be raised:

  • In "Cards" section of the mobile app;
  • On the Internet Banking site in "My cards" section by clicking on "Change limits".

Limits on online payments and purchases can be raised:

  • On the Internet Banking site by sending a message to the specialists of the bank where you need to specify the account number and the reason for increasing the limit.
  • By phone on 67 444 444.

A holder of agreement(s)/account(s) who has reached the age of 18 can:

  • Add/remove additional users.
  • Change/cancel/suspend additional user’s rights.
  • Specify additional user’s mode.
  • Specify payment limits for each additional user’s account.

To add users, they must have a user ID number assigned by Swedbank.

N.B.! The agreement owner is responsible for informing the additional user and for their compliance with the applicable terms and conditions.

  • Unsigned changes in Internet Banking are retained for 7 days. If the agreement owner does not sign the changes during this time, the changes prepared will be deleted from Internet Banking.
  • Signed changes take effect immediately after the changes are confirmed with PIN 2. If you need to keep record of the signed changes agreement, you can download an ASICE file to your computer immediately after signing.

Smart-ID

  • How to log in to internet banking using Smart-ID?

    First you will need to download the Smart-ID app and create an account. Find out more.

    1. Open Swedbank internet banking and under “Log in with” select “Smart-ID”.
    2. Type in the information in the required fields (User ID, personal code). The user ID consists of 6 or 7 digits. You can find it in your Remote Banking Service Agreement.
    3. Click on “Enter”.
    4. Open the Smart-ID app on your mobile device.
    5. Compare the codes shown on your mobile device and on your computer. Make sure they match.
    6. If the codes match, enter your PIN1 in the Smart-ID app.
  • How much does Smart-ID cost?

    You can download and use Smart-ID app on the Swedbank Internet Banking site or in the mobile app free of charge.

  • What do I do in case of problems connecting or using Smart-ID?

    Retry in a couple of minutes. If the problem persists, contact Swedbank by phone on 67 444 444 or e-mail at info@swedbank.lv. If the problem is related to the creation of a Smart-ID account, you can contact Smart-ID support service by phone 6766 5001 or e-mail help.lv@smart-id.com.

  • What are the transaction limits on Smart-ID?

    The limits set in the Remote Banking Services Agreement are usable with Smart-ID.

  • Can I use Smart-ID offline?

    No. Smart-ID only works with internet connection – either mobile data or Wi-Fi.

  • Can I use Smart-ID on several devices?

    Yes, it’s possible. If you want to use Smart-ID on several devices, you will first need to download the app on each device (smartphone or tablet) and create an account. You will also need to install Smart-ID and create an account, if you start using a new smartphone. Switching between devices and creating new accounts does not affect your bank account.

  • What is the control code?

    The control code is an automatically generated 4 digit number displayed in a window of the Internet Banking site and your Smart-ID app. The control codes are introduced to make sure you confirm the right transaction in your Smart-ID app.

  • Can I use Smart-ID abroad?

    You can use your Smart-ID whenever you travel outside Latvia, just make sure you remember your PIN codes and have internet connection.

    The use of Smart-ID abroad will not create substantial roaming costs, since a single Smart-ID transaction in average uses merely 5 Kb of data.

  • Do I have to open the Smart-ID app to use it?

    If you have enabled the push notification feature of the Smart-ID app on your device, notifications will automatically appear on the home screen; tapping the notifications will automatically direct you to the Smart-ID app.

    If the push notifications are disabled for the Smart-ID app, you have to open the app manually to check the control code and enter PIN1 or PIN2. If you did not receive the push notifications, seek assistance here.

  • Does Smart-ID provide accessibility for the visually-impaired?

    Visually impaired people can use the “voice” feature which is available in the recent smart devices. With the “voice” or “audio” feature activated, banking services are available both in the Smart-ID app and the Swedbank mobile app. The feature can be enabled in the phone settings.

  • What features are available on the SMART-ID self-service portal?

    The self-service portal, you can see the status of your Smart-ID accounts (active, disabled), as well as disabling accounts and checking the transactions performed.

  • What to do if I’ve received an unknown PIN1 request?

    PIN1 is used only for logging in to internet banking or the mobile app. Remember – don't use Smart-ID or PIN-calculator to approve any requests that you didn't initiate yourself!

  • What to do if the control codes don’t match?

    If the control code in the Smart-ID app does not match the control code you see on the Internet Banking site, press “Cancel”. Try re-entering your user ID and your identity number in Internet Banking.

  • If I have several Smart-ID accounts on different devices, on which device will I be required to enter the PIN?

    Whenever you want to log in to your internet banking using Smart-ID, the request will be sent to all your devices. Pick the device you want to use to open the Smart-ID app and enter PIN1 or PIN2. When you confirm the PIN in your selected device, you don't need to do anything on your other devices.

  • I forgot/want to change my PIN. What to do?

    As we do not save PIN codes in our systems, PIN codes cannot be recovered. Delete your existing Smart-ID account and create a new one.

    How to delete a Smart-ID account
  • My PIN has been blocked. Can I unblock it?

    Upon the first instance of entering an incorrect PIN for three consecutive times, it is blocked for 3 hours. The Smart-ID app will display a countdown until you can retry entering the correct PIN.

    On the second instance of entering an incorrect PIN for three consecutive times, it is blocked for 24 hours. The Smart-ID app will display a countdown until you can retry entering the correct PIN.

    On the third instance of entering an incorrect PIN for three consecutive times, it is permanently blocked, and you are required to delete your existing account from the Smart-ID app and create a new one.

    Tap here to learn how to delete a Smart-ID account.

Loans, Leases

E-invoices and Standing Orders

  • How to stop receiving e-invoices?

    To opt out of receiving e-invoices:

    1. In “My E-invoices” section on Internet Banking site, click “Order new e-invoice”.
    2. Choose the company whose e-invoice you wish to cancel and click “Opt out”.
    3. Specify the number of the account from which you normally made payments.
    4. Check the information and click “Send opt-out”.
  • How do I pay the e-invoice I’ve received?

    The e-invoice is payable by clicking “Pay” in “My E-invoices” section on the Internet Banking site or by enabling automatic payment for the e-invoice.

  • How much does it cost to receive and pay e-invoices?

    Setting up and receiving e-invoices via Internet Banking is free of charge. Payments between Swedbank accounts are free of charge; the cost of transfers to other banks is according to the current price list of payments.

  • How to enable automated payment for an e-invoice?
    • When setting up a new e-invoice
      1. Click on “Order new e-invoice”.
      2. In the list provided, find the company whose e-invoices you wish to set up with automatic payment.
      3. Choose “Yes” for the automatic invoice payment option on the application.
    • By changing the payment terms of an existing e-invoice
      1. In the section “My E-invoices”, click “Enable automated payment” next to the e-invoice received.
  • What is the maximum amount per month or the monthly limit?

    When you order an e-invoice, you can specify the maximum amount per month which may not be exceeded in automatic payment of e-invoices. If the invoice amount exceeds the limit, the invoice will not be paid.

  • What does partial e-invoice payment mean?

    When you order an e-invoice, you have the option to allow partial payment. This means: if your account lacks funds to cover the entire invoice amount on the payment date you selected, the system will monitor the account for changes for 6 more days. If the account still lacks the full amount of the 7th day, then the invoice will be paid partially by transferring at least 50% of the invoice amount. If less than 50% of the amount necessary for invoice payment is available in the account, the invoice will not be paid.

  • What are the possibilities to choose the invoice payment date?

    When setting up e-invoice automated payment, you can choose one of the following payment date options:

    • The due date (the date specified by the service provider in the e-invoice).
    • 2 days after receiving the e-invoice. That way the e-invoice will be paid in timely manner without waiting for the deadline.
    • 2 days before the due date. If the transfer is to be made to another bank, you can be sure that the amount will be transferred to the payee by 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 payment 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?

    If your account lacks funds to cover the entire invoice amount on the payment date you selected, the system will monitor the account for changes for 6 more days. If the account still lacks the full amount of the 7th day, then the invoice will be paid partially (if you’ve selected this option when ordering the e-invoice) by transferring at least 50% of the invoice amount. If less than 50% of the amount necessary for invoice payment is available in the account on the 7th date, the invoice will not be paid.

  • Why to set up e-invoices?

    With an e-invoice:

    • Your invoices will always be paid on time
    • Receiving, paying and storing invoices will be easier.
    • You will save time both in aggregating and paying your monthly bills.
  • What to do if the service provider does not offer e-invoices?

    Let us know about that company and we will contact it to offer the e-invoicing service.

    Other invoice payment options are:

    • Standing order – if the monthly invoice amount is constant, payments will take place automatically on a date of your choice.
    • Defined payment – if the monthly invoice amount is changeable, then invoices need to be paid manually using the saved payment form.

Insurance

3rd pillar pension

To request payout of your 3rd pillar pension savings, log in to Internet Banking and go to “Pension” > “My pension assets” > “3rd pillar pension” > “Payout”.

3rd pillar pension capital is available from the age of 55.

The supplementary capital may be paid out before reaching this age in the following cases:

  • the participant has a 1st category permanent disability;
  • the participant works in one of the special professions set out in Cabinet Regulations No. 47.

The possibility to terminate the agreement depends on your age.

If you’re already 55 years of age:

  1. request payout of your 3rd pillar pension savings on the Internet Banking site under section “Pension” > “My pension assets” > “3rd pillar pension” > “Payout”.
  2. when you request the payout, select “Close regular payment to pension plan and regular investment agreement”;
  3. when you request the payout, select “After full payout close Individual Participation Agreement and Individual pension account”

If you’re not 55 years of age yet,you cannot close your individual participation agreement or the individual pension account. However, you can discontinue your regular contributions. Please note – even if you stop paying the regular contributions, the savings will still be invested in financial instruments and a fee will be deducted from the savings until payout of the savings.

If you wish to change the amount of contributions or discontinue the regular contributions,go to the Internet Banking site’s section “Pension” > “3rd pillar pension” > and choose “Make changes” or “Discontinue” under “Regular investments”.

  • Log in to Internet Banking and go to “Pension” > “My pension assets” > “3rd pillar pension” > “Start savings”.

Log in to Internet Banking and go to “Pension” > “My pension assets” > “3rd pillar pension” > “Additional payment”.

Log in to Internet Banking, go to “Investments, savings, pensions” > “Pension” > “3rd pillar pension” > “Pension plan switch”, and choose your preferred pension plan from the list “To the pension plan” and click the button “Verify”.

Currency exchange

The exchange rates are only indicative and may be subject to change during the day. The current exchange rate is available under “Currency exchange rates” on the Internet Banking site.

You will not be charged for currency exchange on the Internet Banking site.

No fee will be charged for currency exchange via Internet Banking irrespective of the amount or currency being exchanged.

In order for the bank to consider the possibility of cancelling a currency exchange, please send us a message on the Internet Banking site or call 67 444 444.

The number of currency exchange transactions per day is not limited.

The number of currency exchange transactions per day is not limited.

Personal Data Processing

  • Where I can find Swedbank’s privacy policy document?

    Our Principles of Processing Personal Data are available here.

  • How can I find out what information Swedbank has about me?

    The easiest way is to log in to Internet Banking and go to your profile where you can see information about yourself. However you can also contact bank in the most relevant channel.

  • What does Swedbank use the information for?

    All the purposes for which your data is used are set out in our Principles of Processing Personal Data. In a nutshell, we need your data to provide you with our services and offer tailored solutions. Customer data is also required under KYC/AML related regulations.

  • Does Swedbank need all the information they have about me?

    According to the GDPR, all data processors, including Swedbank, may only process data that has been made available and only to the extent that is necessary based on law or on other legal grounds. In other words, we neither have, nor process data that you have not shared with us or agreed to be processed. Unnecessary or unsubstantiated data processing is not allowed at Swedbank.

  • Can anyone else access details about me that Swedbank has?

    Without any legal grounds and purpose, data sharing outside the scope of the agreement is not possible. However, there are exceptions for ongoing legal investigations.

  • What do I do if I want a correction in the information Swedbank has about me?

    To correct or update your information, please log in to Internet Banking and go to your profile, or contact bank in the most relevant channel.

  • What can I do if I am dissatisfied with Swedbank’s use of information about me?

    We value your privacy, handle it with care and want to provide best service in return. If you feel that information about you is not handled in the best possible way, please get in touch with us and together we will agree on any additional changes to be made.

  • Will Swedbank be required to show all the data they have?

    Yes, most of the information that you as a customer have shared with Swedbank is accessible to you in via Internet Banking. However, there are several exceptions that apply. They stem from different regulations like AML (anti money laundering), and in most cases are related to risk management, ongoing legal investigation, etc.

  • What does the GDPR mean for me as a Swedbank customer?

    It means that you still enjoy the same rights to have your privacy respected and protected, however with more detailed implementation. For example, you can see the data that the bank has about you and how it is used. You as a customer can choose which data you are willing to provide. We only store and process personal data for the purposes that are agreed with the customer.

  • What is required of banks under the GDPR regulation?

    The GDPR does not apply to banks only. All types of companies who process personal data must comply with the GDPR. Banks are not under any additional GDPR requirements, however, banks already have other requirements in respect of information security and client secrecy (e.g. KYC), hence this regulation is more like an “add on”.

  • Which customers are affected by the GDPR regulation?

    The regulation primarily affects private customers. However, also representatives of corporate customers, for example, can be data subjects with respective rights.

  • How does the GDPR work as compared with KYC?

    KYC related regulations work together with GDPR, as the GDPR provides for data processing for different legal grounds, like legitimate interest of the controller (e.g. risk management) and if processing is necessary for compliance with a legal obligation to which the controller is subject. All KYC activities have to be in compliance with the GDPR, like data gathered for these reasons is not to be used for other reasons.

  • Will the GDPR affect the ability of Swedbank to offer me good services?

    This regulation further enables us to offer services that match the needs of customers. Swedbank continuously improves existing tools and security – we are committed to full transparency with our customers.

  • What is Swedbank changing and why now?

    We are continuously developing our solutions to provide you with even more personalized financial services. To achieve it, we have reviewed the personal data that we process to prepare offers. By this, we respond to our customers’ increasing expectations towards more personalized recommendations, at the same time ensuring compliance with the legal requirements. From now on, we will ask for your consent for preparing offers giving you the full control over the processing of your personal data.

  • I just marked that I don’t give consent for marketing messages. Why do I continue receiving e-mails from Swedbank?

    There could be several reasons:

    • We still need to give you important messages about the products and services you use. This information is almost always is mandatory as part of serving your existing contracts. You may receive such communication regardless of the given consents via e-mail, SMS, post, or phone.
    • Additionally, based on Swedbank’s legitimate interests, we prepare customer satisfaction surveys' and relevant information. We would appreciate your feedback about our services, whereas the relevant information contains news about Swedbank that could be useful for you. If you don’t want to receive this kind of messages by e-mail, you can withdraw your permissions for receiving such communication. This can be done on the consent management site “Privacy Settings” after logging in to the Internet Banking.
  • Where can I find and manage my consents on the Internet Banking site?

    You can manage your consents after logging in to the Internet Banking site in the section “Processing of Personal Data”, or by clicking the profile icon at the top of the page and choosing “Privacy Settings”.

  • How does Swedbank prepare personalized offers that require consent?

    Swedbank Group companies work to provide you with the best banking experience – valuable deals at the most suitable time. To be able to create the most appropriate offers, data is exchanged among Swedbank Group companies. Before we do it, we ask for your consent.

    Even though personal data is shared among Swedbank Group companies, responsibility for the data processing rests with the particular data controller – the companies with whom you have an agreement in force. Based on the products and services that you use, those could be, for example, Swedbank Līzings, Swedbank Life Insurance SE Latvian branch or Swedbank Ieguldījumu Pārvaldes Sabiedrība AS, and other Swedbank Group companies that have delegated the creation of personal offers to Swedbank.

  • What has been changed by the bank in the development of personalized offers?

    Swedbank is gradually changing the legal basis for preparation of personalized offers and limits. Currently, we prepare them based on our legitimate interests until and unless the customer objects to that.

    In order to not interfere with the customers’ existing experience and allow everybody to make the decisions at a time convenient for them, we ask to update the preferences by 31 July 2022. We treat the personal data of our customers with care. Therefore, we provide customers with more information on how we process personal data to give them full control over their data.

    • If the customer gives us their consent, the customer will continue receiving the personalized experience and Swedbank will be able to continuously improve it.
    • If the customer does not to give consent, we will stop processing personal data to prepare personalized offers and personalized financing and insurance limits within five days. It means that customer will no longer see, for example, personalized offers on the Internet Banking site, in the mobile app and won’t receive them via other channels too. If the customer allows us to contact him/her via e-mail, the customer will receive message e-mails, birthday greetings, and kind requests to fill out customer satisfaction surveys.
    • If the customer does not confirm their preferences by 31 July 2022 by agreeing or disagreeing to processing of personal data, we will stop processing the personal data that requires consent according to the new solution. Customers will be able to give consent at any time afterwards.
  • Who processes my personal data and how?

    We analyse personal data to create offers that are based on each customer’s individual situation. Several examples to illustrate how data is processed:

    • We analyse what daily banking solutions you use, and we remind about the products and services that that are not used to have a 24/7 access to your money.
    • We analyse financial data, including changes and the products/services used, and we offer solutions that are appropriate for everyone’s individual situation. For example, we offer new financing limits that wouldn’t worsen your financial stability. So that you’d be aware of all the options available, we let know about the alternatives to the products/services already used.
    • We process data on income, savings, age, etc., ensuring that you choose the solutions that strengthen your financial well-being and security and help to avoid situations where the chosen solutions could result in extra costs or could limit access to the money in case of an emergency.
    • We analyse what products/services you use and compare them with what other customers are using to offer similar solutions.
    • We analyse which products/services you have stopped using to propose to close them or close them earlier, in cases where your financial situation allows it (e.g. to repay a loan before the maturity date).
    • Also, we look at whether you meet the basic product conditions that apply to, for example, taking out a loan (age, credit history, income level, liabilities etc.) or what could be the price offer for an insurance agreement (we analyse your age in combination with statistical data and whether you are a participant of any customer program and could qualify for a better price).
  • Can I withdraw my consent, and what will happen in that case?

    You can withdraw your consent at any time via Internet Banking, at our branches, or by calling the Consultation Centre. In this case, it will take five days for Swedbank to process withdrawal of your consent.

  • Does Swedbank share personal data with partners to prepare offers?

    Swedbank doesn’t share personal data with partners, and the partners don’t determine how the personal data of customers is processed at Swedbank.

  • Where can I find the financing limits available to me?

    After logging in to the Internet Banking, the financing limits available to you are visible on the “My Obligations” page.

  • Where can I find my personalized offers?

    After logging in to the Internet Banking, the personalized offers are shown under the “Relevant offers” tab and on the related product pages.

  • What happens if: I don't make my choices now; I give all consents; I reject all the consents (what will I lose)?

    Until 31 July 2022, you will receive offers just like you received them until today. In the framework of the new consents, processing is extended to data that has not been processed up until now. This allows us to create more personalized offers.

    If you refuse to give consent to data processing, you could miss some good offers and deals. You can give your consent at any time, also after 31 July 2022, and we will start developing offers as soon as we get your consent.

  • Why should I know what you do with my data?

    Personal data is your asset. We want you to be well informed about how and for what purposes your personal data is processed, and to be able to choose what you want to receive in return for it.

  • Will you collect consents from customers who are minors?

    Consents to processing of personal data can be given by any customer from the age of 16 (except consents for personalized financing and insurance limits).

  • Do companies need to give their consents?

    Legal entities can decide on giving consents for the communication channels (e-mail, SMS, phone, post). Personal data processing-related consent choices are available for private customers only.

  • How and where will I receive offers if I don’t use the Internet Banking/mobile app?

    If you don’t use our Internet Banking or the mobile app, you will be able to receive offers when you visit our branches, call the Consultation Centre, or use our ATMs. If you give us consent to the respective communication channels, you might receive an offer via call, SMS, e-mail or, in exceptional situations, by post.

Can’t find your answer?

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

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

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

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Swedbank
  • Jūsu ierīces operētājsistēma un pārlūkprogramma ir novecojusi un netiek atbalstīta Swedbank internetbankas lietošanai. Aicinām vērsties pie Jums uzticama IT atbalsta, lai saņemtu konsultāciju un veiktu atbilstošu operētājsistēmas un pārlūkprogrammas atjauninājumu.
  • The operating system of your device & your browser are too outdated to be supported by Swedbank Internet Bank. Please, update the operating system & browser or turn to IT specialist for technical help.
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