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

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

Frequently asked questions

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.

    After 10 days the card will be closed permanently.

  • 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”
  • Where can I see my cards payment limits?

    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”.
  • How to change card limits via Internet Banking?

    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.
  • What to do if the card’s payment limit has been exceeded?

    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.
  • Will my VISA / MasterCard card work abroad?

    VISA / MasterCard cards are accepted for payment in all retail outlets worldwide where the VISA or MasterCard logo is shown and the retailer accepts that type of cards.

    VISA/Mastercart
  • How much will I be charged for withdrawing money in an ATM abroad?

    This depends on the type of card. For example, if you make a cash withdrawal from an ATM in a country where the official currency is other than EUR with a Swedbank payment card, then you will be charged:

    a fixed fee for the withdrawal + a percentage of the amount + the currency exchange fee.

    Up-to-date information on charges and fees is provided in the price list of the bank.

  • Will I be charged for paying by card abroad?

    If you pay in a country where EUR is the official currency, no fee will be charged. If you pay in a country with other official currency, then a fee as a percentage of the purchase amount will be charged. Up-to-date information on fees is provided in the price list of the bank.

  • How will currency exchange take place in case of shopping by card/withdrawing money in ATM abroad?

    At the moment of payment, exchange (conversion) to the respective currency will take place automatically at the applicable exchange rate of that day. For example, if you pay with the Swedbank payment card in the United Kingdom, the amount of the purchase will be automatically converted from euros to pound sterling.

  • Can I book a car abroad with a MasterCard?

    Many car rental companies only accept credit cards for reservations, so if you have a debit card, we suggest getting in touch with the car rental in advance to find out if you can use a debit card for reservation.

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

    You need to send us a message via Internet Banking.

    1. Log in to Internet Banking.
    2. Click on the message symbol at the top of the page.
    3. Select “Write new message”.
    4. Choose the topic “Claim regarding unauthorized card transaction (not performed by me)”.
    5. Fill out the required fields and send the message.

    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?

    You need to send us a message via Internet Banking.

    1. Log in to Internet Banking.
    2. Click on the message symbol at the top of the page.
    3. Select “Write new message”.
    4. Choose the topic “Claim regarding other type of card transaction”.
    5. Choose the claim reason “Transaction amount is incorrect”.
    6. Fill out the required fields and send the message.

    For information: a receipt with the correct amount must be provided to the Bank.

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

    You need to send us a message via Internet Banking.

    1. Log in to Internet Banking.
    2. Click on the message symbol at the top of the page.
    3. Select “Write new message”.
    4. Choose the topic “Claim regarding other type of card transaction”.
    5. Choose the claim reason “Transaction amount reserved/debited more than once”.
    6. Fill out the required fields and send the message.

    For information: a receipt for the correct transaction must be provided to the Bank.

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

    You need to send us a message via Internet Banking.

    1. Log in to Internet Banking.
    2. Click on the message symbol at the top of the page.
    3. Select “Write new message”.
    4. Choose the topic “Claim regarding other type of card transaction”.
    5. Choose the claim reason “Paid for in cash or otherwise”.
    6. Fill out 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?

    You need to send us a message via Internet Banking.

    1. Log in to Internet Banking.
    2. Click on the message symbol at the top of the page.
    3. Select “Write new message”.
    4. Choose the topic “Claim regarding other type of card transaction”.
    5. Choose the claim reason “Product / service not received”.
    6. Fill out the required fields and send the message.

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

  • What to do if the requested amount of money has not been received in ATM?

    You need to send us a message via Internet Banking.

    1. Log in to Internet Banking.
    2. Click on the message symbol at the top of the page.
    3. Select “Write new message”.
    4. Choose the topic “Claim regarding other type of card transaction”.
    5. Choose the claim reason “Money not received”.
    6. Fill out the required fields and send the message.
  • What to do if only part of the requested amount of money has been received in ATM?

    You need to send us a message via Internet Banking.

    1. Log in to Internet Banking.
    2. Click on the message symbol at the top of the page.
    3. Select “Write new message”.
    4. Choose the topic “Claim regarding other type of card transaction”.
    5. Choose the claim reason “Partial amount received”.
    6. Fill out the required fields and send the message.
  • What to do if ATM cash deposit has been unsuccessful?

    You need to send us a message via Internet Banking.

    1. Log in to Internet Banking.
    2. Click on the message symbol at the top of the page.
    3. Select “Write new message”.
    4. Choose the topic “Claim regarding other type of card transaction”.
    5. Choose the claim reason “Unsuccessful cash deposit”.
    6. Fill out the required fields and send the message.

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 can I make sure that a payment has really been executed?

    A payment is executed if the account balance has decreased by the amount of the payment and the payment appears in the account statement and the payment history as “Done”.

  • What is the cut-off time for execution of payments?

    Domestic payments (in EUR currency between Latvian banks) are accepted by Swedbank until 20:00 hours. If a payment from another bank is remitted after this time, then it will be executed in the morning of the following working day.

  • How to make payment in a currency other than EUR?

    If you need to make a payment to other Swedbank account in a currency other than EUR, use the domestic payment form as usual.

    If you need to make a payment to other bank in Latvia in a currency other than EUR, use the international payment form.

  • Why is the payment not going through even though I’ve confirmed it?

    This could be due to a couple of reasons:

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

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

  • Will the payment go through if the beneficiary details are incorrect but the account is specified correctly?

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

  • How much time do I have to cancel a payment that has just been executed?

    If the payment is to another bank in Latvia, it can be cancelled within 15 minutes by calling Swedbank on 67 444 444.

    If the payment is between Swedbank accounts, it cannot be cancelled. In such an event you need to contact the beneficiary (account holder) and ask them to return the payment. If this is not possible, you can request revocation of the payment through the bank (the revocation form is available in the “Bank messages” section). Please note, however, that the bank is unable to cancel a payment without the beneficiary’s consent.

  • How can I cancel an executed payment?

    If the payment is in euros to another bank in Latvia, it can be cancelled within 15 minutes from the moment of execution by calling Swedbank on 67 444 444.

    If the payment is between Swedbank accounts, it cannot be cancelled. In such an event you need to contact the beneficiary (account holder) and ask them to return the payment. If this is not possible, you can request revocation of the payment through the bank (the revocation form is available in the section “Bank messages”). Please note, however, that the bank is unable to cancel a payment without the beneficiary’s consent.

  • What to do if an incorrect beneficiary is specified for a payment?

    If the payment is in euros to another bank in Latvia, it can be cancelled within 15 minutes from the moment of execution by calling Swedbank on 67 444 444.

    If the payment is between Swedbank accounts, it cannot be cancelled. In such an event you need to contact the beneficiary (account holder) and ask them to return the payment. If this is not possible, you can request revocation of the payment through the bank (the revocation form is available in the section “Bank messages”). Please note, however, that the bank is unable to cancel a payment without the beneficiary’s consent.

  • What to do if I see a payment I haven`t made in the account statement?

    You need to send a message to the bank via Internet Banking:

    1. log on to Internet Banking
    2. click on the message symbol at the top of the page
    3. choose “Write new message
    4. choose “Unathorized payment”
    5. fill out the requested fields and send the message
  • How long will the bank wait for sufficient funds in the account to execute a payment?

    For regular payments, the waiting time is 10 calendar days. Express payments are cancelled immediately if the account lacks funds.

  • How much and what may I write under the purpose of the payment?

    A maximum of 140 characters of explanatory information about the payment may be entered in the “Purpose of the payment” field. For example, you can specify the invoice number and date or give other additional details about the payment under the purpose of payment. This information is sent to the beneficiary together with the payment.

  • What is the ‘payer's reference’?

    This is an identifier assigned by the payer – the payment registration number assigned to an executed domestic EUR payment. Rarely used in Latvia.

  • What is the ‘beneficiary's reference’?

    The reference number is assigned by the beneficiary. Upon receiving the payment, the beneficiary is automatically notified in their accounting system that the invoice has been paid.

  • 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”.

  • Will a payment be executed if only the beneficiary’s short account number is available? What to do?

    Execution of the payment depends on the country to which the payment is made and on the payment currency. For example, UK banks will execute payments with the short code if the “Sort code” is indicated by the name of the bank.

    How to make a payment?

    1. Choose the international payment form.
    2. If the payment is to a EEA country, enter only the IBAN account number.
    3. If the payment is in EUR currency outside the EEA, specify the “Sort code” by the name of the beneficiary bank.
  • 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

  • How to close an account from abroad?

    An account can be closed:

    • Via Internet Banking by sending a message to the bank

      • Via Internet Banking by sending a message to the bank On the top navigation bar, click the message icon, choose “Daily banking”
    • By phone on +371 67 444 444 (available if the Telephone Banking service is activated).
  • How much does it cost to close an account?

    You will not be charged for closing an account.

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.

Internet Banking

  • Where can I update my contact details?

    You will find your details and settings, as well as the options of contacting the bank at the top of the navigation bar on the Internet Banking site. To update your contact details, select the icon „My data” > „My contacts and settings”.

  • Where on the Internet Banking site can I send a message to the bank?

    You will find your details and settings, as well as the options of contacting the bank at the top of the navigation bar on the Internet Banking site. To write a new message to the bank, select ”Bank messages” > „Write a new message”.

  • Where can I find the chat with a consultant of the bank?

    You will find your details and settings, as well as the options for contacting the bank at the top of the navigation bar. To start messaging with a consultant, select ”Start chat”.

  • Why was my Internet Banking session terminated?

    For security reasons, if you’re idle on the Internet Banking site for 5 minutes, your Internet Banking session is terminated. If you’re preparing a payment order, we recommend saving it as an unconfirmed payment so you would not lose any information you’ve entered in case the session is terminated.

  • Where to find information about the price of a banking service?

    The prices of services of the bank are available in the price list.

  • Can I assist other person with Internet Banking?

    Yes, it’s possible. However, before you can do so, you and the other person must visit your nearest branch (both of you need to have the passport/eID with you) and take out a power of attorney for the Internet Banking, agreeing on the access mode.

    Access modes/levels:

    1. Information-only mode: allows preparing and viewing the payments prepared, obtaining information on account balance, checking account statement, reading and writing messages from/to the bank.
    2. Transactions mode: in addition to features available in the information-only mode, this allows paying invoices, as well as enabling e-invoices, regular payments, and deposits.
    3. Full-access mode: access to Internet Banking without any restrictions.
  • How to log in to Internet Banking with the Smart-ID?

    To log in to Internet Banking with the Smart-ID, first download the Smart-ID app and create an account there.


    How to create an account in Smart-ID (video)
    1. Open Swedbank Internet Banking and choose "Smart-ID" tab.
    2. Enter your User ID (user ID consists of 6 or 7 digits and you can find it in your Remote Banking Service Agreement).
    3. Click "Log in".
    4. Open the Smart-ID on your smart device.
    5. Make sure the control codes displayed on the screen of the smart device and the computer match.
    6. Enter PIN1 code in the Smart-ID app.
  • How to create a Smart-ID account

    Smart-ID Basic account with PIN calculator or Smart-ID

    1. Download the Smart-ID app.
    2. Register and create a Smart-ID account.
    3. Create and memorize PIN1 and PIN2 codes.
    4. Confirm the PIN codes and your data.

    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* 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’ve forgotten/want to change my PIN(s). What to do?

    We do not keep your PIN codes saved on our systems; therefore, PIN codes cannot be recovered. Delete your existing account from the Smart-ID app and create a new one.

  • 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.

  • What are the transaction limits on Smart-ID?

    Your remote banking service contract provisions apply, that is, your Smart-ID account has the same transaction limits as before when you were using the code card.

  • 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?

    You have to download and install the Smart-ID app, as well as to create an account on whichever device you want to use. Also, whenever you buy a new smartphone, you have to download and install the Smart-ID app, as well as to create a new account. Switching between devices and creating of new accounts has no effect on 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 access your Internet Banking with Smart-ID, the system communicates with all your devices; it is up to you which device you use to open the Smart-ID app and enter PIN1 or PIN2.

    When you open the Smart-ID app on another device, a notification “no transactions found’ will appear.

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

    No. However, we suggest you set up separate Smart-ID accounts for each family member or colleague, so that it is possible to trace back each transaction from the bank account to a specific person.

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

    Open the Smart-ID app and press “Cancel”. PIN1 is used only for logging in to Internet Banking or the mobile app.

  • 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.

  • Why I can’t create an account in Smart-ID?

    The Smart-ID is not available for non-residents.

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

    If you use the eID card and have forgotten or have blocked the 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’ve forgotten or have lost the 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 presentation 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 open Internet Banking window, select “eID card” tab and in the field “User ID” enter your 6 or 7-digit User ID found in the Remote Banking Services Agreement.
    3. Click “Log in”.
    4. Enter the appropriate PIN in the PIN entry fields. Click “OK”.

    Every eID card holder who, upon receiving their eID at the Office of Citizenship and Migration Affairs, signs the agreement on provision of certification services is issued with PIN codes in a sealed envelope.

    If you use the web browser Internet Explorer:

    Login

    If you use other web browser, such as FireFox, Google Chrome or Opera, the PIN entry field may differ. Please make sure to enter the correct PIN code (PIN1, PIN1 and/or PIN2, PIN2 and/or PIN1).

  • How to prepare your computer for work with the eID card?
    1. Connect a smartcard reader to the computer and insert the eID card in it. The eID smart card must be inserted in the external smart card reader with the chip facing up and the indicator light must be constantly on.

      Card reader
    2. Install the eID middleware version appropriate for your computer’s operating system. To check if the certificates are retrieved, open the “Card information” section in the middleware program where you should find the eID holder’s data. If you use the web browser FireFox or Opera, it must be additionally configured for work with the eID.
  • 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 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”.

    Security Token User Manual.

  • How to log in to Internet Banking with the Smart-ID?

    To log in to Internet Banking with the Smart-ID, first download the Smart-ID app and create an account there.


    How to create an account in Smart-ID (video)
    1. Open Swedbank Internet Banking and choose "Smart-ID" tab.
    2. Enter your User ID (user ID consists of 6 or 7 digits and you can find it in your Remote Banking Service Agreement).
    3. Click "Log in".
    4. Open the Smart-ID on your smart device.
    5. Make sure the control codes displayed on the screen of the smart device and the computer match.
    6. Enter PIN1 code in the Smart-ID app.
  • How to log in to Internet Banking with eID?
    1. Open Swedbank Internet Banking.
    2. In the open Internet Banking window, select “eID card” tab and in the field “User ID” enter your 6 or 7-digit User ID found in the Remote Banking Services Agreement.
    3. Click “Log in”.
    4. Enter the appropriate PIN in the PIN entry fields. Click “OK”.

    Every eID card holder who, upon receiving their eID at the Office of Citizenship and Migration Affairs, signs the agreement on provision of certification services is issued with PIN codes in a sealed envelope.

    If you use the web browser Internet Explorer:

    Login

    If you use other web browser, such as FireFox, Google Chrome or Opera, the PIN entry field may differ. Please make sure to enter the correct PIN code (PIN1, PIN1 and/or PIN2, PIN2 and/or PIN1).

  • What are the transfer limits in Internet Banking?

    Transfer limits (agreement limits*) in Internet Banking and the mobile app are set in the Remote Banking Services Agreement but they can be changed (reduced or increased).

    • With the Smart-ID, PIN calculator or eID card, transfers can be made according to the set agreement limit.

    * Changes in the agreement limit – account limit set earlier in the agreement are replaced with the agreement limit which equals the aggregate of account limits. Agreement limits are set for transfers to be made via Internet Banking or the mobile app.

    You can find out or change your current agreement limits:

    • In “Agreement limits” section on the Internet Banking site. Agreement limits can be changed via Internet Banking by increasing (up to 10,000 EUR) or decreasing them.
    • By sending a message to the bank via Internet Banking.
    • At any branch by presenting your passport/ID card.
    • By phone on 67 444 444.

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

Transfer limits (agreement limits*) in Internet Banking and the mobile app are set in the Remote Banking Services Agreement but they can be changed (reduced or increased).

  • With the Smart-ID, PIN calculator or eID card, transfers can be made according to the set agreement limit.

* Changes in the agreement limit – account limit set earlier in the agreement are replaced with the agreement limit which equals the aggregate of account limits. Agreement limits are set for transfers to be made via Internet Banking or the mobile app.

You can find out or change your current agreement limits:

  • In “Agreement limits” section on the Internet Banking site. Agreement limits can be changed via Internet Banking by increasing (up to 10,000 EUR) or decreasing them.
  • By sending a message to the bank via Internet Banking.
  • At any branch by presenting your passport/ID card.
  • By phone on 67 444 444.

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

  • In “Agreement limits” 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?

  • By sending a message to the bank via Internet Banking.
  • At any branch by presenting your passport/ID card.
  • By phone on 67 444 444.

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.

Smart-ID

  • How to log in to Internet Banking with the Smart-ID?

    To log in to Internet Banking with the Smart-ID, first download the Smart-ID app and create an account there.


    How to create an account in Smart-ID (video)
    1. Open Swedbank Internet Banking and choose "Smart-ID" tab.
    2. Enter your User ID (user ID consists of 6 or 7 digits and you can find it in your Remote Banking Service Agreement).
    3. Click "Log in".
    4. Open the Smart-ID on your smart device.
    5. Make sure the control codes displayed on the screen of the smart device and the computer match.
    6. Enter PIN1 code 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?

    Your remote banking service contract provisions apply, that is, your Smart-ID account has the same transaction limits as before when you were using the code card.

  • If I have Smart-ID, do I no longer need the security token?

    We suggest keeping your security token to be used in situations when it is impossible to use your mobile phone, for instance, when there is no internet coverage, or when the phone is out of battery or broken.

    Likewise, your security token can be used in case you accidentally block your account and need to create a new account, or in case you want to create a new account on a different device.

    Your security token also enables you to close your account in the self-service Smart-ID portal in case you lose your phone.

  • 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?

    You have to download and install the Smart-ID app, as well as to create an account on whichever device you want to use. Also, whenever you buy a new smartphone, you have to download and install the Smart-ID app, as well as to create a new account. Switching between devices and creating of new accounts has no effect on 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.

  • What is the data usage?

    A single Smart-ID transaction uses a very small amount of data – approximately 5 KB.

  • 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.

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

    The self-service portal allows you to check the status of your account (active or blocked), as well as to block your account.

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

    Open the Smart-ID app and press “Cancel”. PIN1 is used only for logging in to Internet Banking or the mobile app.

  • 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.

  • Why I can’t create an account in Smart-ID?

    The Smart-ID is not available for non-residents.

  • I’ve forgotten/want to change my PIN(s). What to do?

    We do not keep your PIN codes saved on our systems; therefore, PIN codes cannot be recovered. Delete your existing account from the Smart-ID app and create a new one.

  • 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.

  • What do I do if my device is lost or stolen?

    If your smartphone or tablet is lost or stolen, follow the same procedure as in the event of losing a bank card: immediately contact Swedbank by phone 67 444 444 or Smart-ID support service by phone on 6766 5001, or e-mail at help.lv@smart-id.com

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

  • If my device is lost or stolen, can anybody use my Smart-ID?

    In case your device is stolen and someone is trying to “hack” your Smart-ID account, PIN codes are there for you to make sure your data are protected:

    • on the first instance of entering an incorrect PIN for three consecutive times, it is blocked for 3 hours;
    • on the second instance of entering an incorrect PIN for three consecutive times, it is blocked for 24 hours;
    • on the third instance of entering an incorrect PIN for three consecutive times, it is permanently blocked.

    This means that even by acquiring your device or “hacking” your Smart-ID account, the thief will not be able do you any harm. If someone tries to access your bank account by entering random PIN codes, the Smart-ID account is simply blocked.

  • Is it safe to set up several Smart-ID accounts on different devices?

    Yes, it is safe, since Smart-ID can only be used with your PIN codes. Please, keep in mind that in case you have set up the Smart-ID app on several devices, all the respective devices will receive push notifications as you log in to the Internet Banking with Smart-ID.

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”.
  • Alternatively, sign up for a consultation here.

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.

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