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Loans, Leases, Credit Cards

Loans, Leases, Credit Cards

Consumer Credit

Service Price, EUR
Receiving
Credit disbursement Easier via Internet Banking 2% of the amount. min. 15.00
Disbursement of additional amount Easier via Internet Banking 2% of the amount, min. 15.00
Using
Interest rate From 9.9% a year
Change of monthly payment date or the linked account Best value via Internet Banking 0.00 - 7.00
Other changes in credit agreement without disbursement of additional amount (incl. restructuring) Easier via Internet Banking 15.00
Early partial repayment of credit Easier Internet Banking Free of charge
Closing
Full early repayment of the credit Easier Internet Banking Free of charge

Effective from 01.06.2023.

Credit Line

Service Price, EUR
Receiving
Setting up and disbursement of credit Easier via Internet Banking 2% of the amount. min. 25.00 The fee is withheld from the amount of credit granted.
Disbursement of additional amount Easier via Internet Banking 2% of the amount. min. 25.00
Using
Interest rate From 19% per annum The interest rate is set for each customer individually and interest accrues on the credit line limit in use.
Commitment fee 1.2% per annum Charged on the credit line limit not in use.
Change of monthly payment date Best value via Internet Banking 0.00 - 7.00

Via Internet Banking - 0.00

At branches - 7.00
Other changes in credit agreement without disbursement of additional amount (incl. restructuring) Easier via Internet Banking 25.00
Early partial repayment of credit Easier via Internet Banking Free of charge No fee will be charged if no other changes are made in the credit line agreement.
Closing
Full early repayment of the credit Easier via Internet Banking Free of charge

Effective from 18.04.2017.
Service Price, EUR
Using
Interest rate From 20% a year The interest rate is set for each customer individually and interest accrues on the credit line limit in use.
Annual fee for using the credit line 7.11 On each anniversary of the agreement, the annual fee is debited from the account in which the credit was disbursed.
Change of monthly payment date Best value via Internet Banking 0.00 - 7.00

Via Internet Banking - 0.00

At branches - 7.00
Other changes in the credit agreement Best value via Internet Banking 7.00 - 14.00
Early partial repayment of credit Easier Internet Banking Free of charge No fee will be charged if no other changes are made in the credit line agreement.
Closing
Full early repayment of the credit Easier Internet Banking Free of charge

Effective from 18.04.2017.

Car Lease

Service Price, EUR
Receiving
Contract fee Easier via Internet Banking 1.2% - 1.5% of the price of the car (min. 150, incl. VAT) Standard issuance - 1.5%
Issuance to Gold Service customers - 1.2%
Car valuation at branch 45.00, incl. VAT Valuation is carried out for cars with purchase value of up to 70,000 EUR. The valuation fee is charged regardless of whether or not financing is set up at the Bank. The valuation is for internal use only and will not be issued to the customer.
Also valuations by cooperation partners approved by the bank are accepted:
- SIA BRC, address: Maskavas iela 463, Riga, phone 67 317 524;
- SIA AR Control, address: Daugavgrivas street 77, Riga, LV-1007, phone 29 209 154, 29 398 462.
Interest rate Set on case-to-case basis
Using
Change of date of monthly payments Easier via Internet Banking 10.00, incl. VAT
Other changes in lease agreement (incl. restructuring) Easier via Internet Banking 75.00, incl. VAT
Early partial discharge of obligations Easier via Internet Banking Free of charge
Standard bank certificate on leasing obligations (balance of the leasing, interest and principal paid) Easier via Internet Banking
Order a bank certificate.		 See Bank certificates, document requests, etc.
Other type of certificates upon request Easier via Internet Banking
Order a bank certificate.		 See Bank certificates, document requests, etc.
Sub-letting consent, authorization for operations at CSDD, authorization to exit Latvia Easier via Internet Banking
Order an authorization for exiting		 12.00 - 25.00, incl. VAT Certificates are prepared within 2 business days - 12.00 EUR.
Urgent preparation of certificate (1 business day) if the request is submitted by 11:00 - 25.00 EUR.
Other type of certificates upon request Easier via Internet Banking 17.00, incl. VAT
Closing
CSDD fee: Deregistration for sale in Latvia 3.02
Complete early discharge of obligations Free of charge
Issuing of the final invoice to a third party 50.00, incl. VAT
Preparation of transaction cancellation documents 150.00, incl. VAT

Effective from 01.09.2022.

Car Loan

Service Price, EUR
Receiving
Loan disbursement Easier via Internet Banking 1% of the amount. min. 100.00 The fee is withheld from the amount of loan granted.
Using
Interest rate From 7.9% per annum The interest rate is set for each customer individually and interest accrues on the outstanding amount of the loan.
Change of monthly payment date or the linked account Best value via Internet Banking 0.00 - 7.00Via Internet Banking - 0.00
At branches - 7.00
Other changes in the credit agreement Easier via Internet Banking 25.00
Early partial repayment of credit Easier via Internet Banking Free of charge No fee will be charged if no other changes are made in the loan agreement.
Closing
Full early repayment of the loan Easier via Internet Banking Free of charge

Effective from 18.04.2017.

pricelist_mortgage_loan_heading

Service Price, EUR
Receiving
Loan application processing Apply for via Internet Banking Free of charge
Setting up and disbursement of credit 1.2% Loan refinancing from other bank 1%
For Gold Service customers - 1% of the loan amount
Determining the market value of the property 90.00 - 220.00 The fee will be reduced by EUR 10.00 if the valuation can be made without visiting the property.
Determining the present market value:
- Apartment – 90.00
- Single-family residential house – 180.00
- Land plot for construction – 120.00
Determining future market value:
- Apartment – 125.00
- Single-family residential house – 220.00 		Valuation by Swedbank AS is prepared in abbreviated form and is not suitable for presenting to other credit institutions, and cannot be used for the needs of other individuals or legal entities.
Assessing and approving a property's reconstruction or construction cost estimate 55.00 In case of construction and reconstruction of the property to be valuated - always.
Assessing and approving a property's refurbishment cost estimate 35.00 Upon bank’s request.
Approval of the determined market value of residential property Free of charge If the valuation is by a valuator not on the list of the bank's approved valuators..
Using
Interest rate Set on case-to-case basis
Interest rate revision 1.2%
Change of date of monthly payments Easier via Internet Banking Free of charge
Other changes in credit agreement 150.00 Depending on the type of changes in the agreement, it may be necessary to determine the market value of the property, for which a fee will be charged according to the Price List.
Changes in credit agreement in case of restructuring 75.00
Assessment of expenditure of funds at the construction site 50.00 - 75.00 If the loan is issued for refurbishment of property - 50.00
If the loan is issued for construction/reconstruction of property - 75.00 		In case of construction and reconstruction - always.
In case of refurbishing - only upon bank's request.
Standard bank certificate (balance of the loan, interest and principal paid, overdues, loan collateral, consents, purpose of the loan) Easier via Internet Banking See Bank certificates, document requests, etc. Unless stated otherwise in the agreement.
Other type of certificates upon request Easier via Internet Banking See Bank certificates, document requests, etc.
Early partial repayment of credit Easier via Internet Banking Free of charge
Closing
Full early repayment of the loan Easier via Internet Banking Free of charge Note that there will be additional costs for notary services.
Document processing fee in case of re-financing the loan to other credit institution Free of charge

Effective from 01.10.2021.

Consumer Credit for Home

Service Price, EUR
Receiving
Loan disbursement Easier via Internet Banking 1% of the amount, min. 100.00
Using
Interest rate From 7.9% per annum
Change of monthly payment date or the linked account Best value via Internet Banking 0.00 - 7.00
Other changes in the loan agreement Easier via Internet Banking 25.00
Early partial repayment of the credit Easier via Internet Banking Free of charge
Closing
Full early repayment of the credit Easier via Internet Banking Free of charge

Effective from 18.04.2017.
  • pricelist_study_loan_guaranteed

    pricelist_study_loan_guaranteed

    Service Price, EUR
    Receiving
    Disbursement of loan Easier via Internet Banking 0.00
    Using
    Interest rate 3.5% per annum + 6M Euribor
    Amendment of loan agreement on the customer's initiative:
    - Change of educational institution
    - Change of graduation year
    - Compiling a schedule for early repayment of the loan
    - Change or cancellation of schedule
    - Change of date     		Easier via Internet Banking 14.00
    Loan statement printing 5.00
    Early partial repayment of the credit Easier via Internet Banking Free of charge Minimum amount of repayment - 150 EUR.
    Closing
    Full early repayment of the credit Easier via Internet Banking Free of charge

    Effective from 18.04.2017.

  • pricelist_study_loan_non_guaranteed

    pricelist_study_loan_non_guaranteed

    New agreements for this service are not offered
    Service Price, EUR
    Using
    Interest rate 4% per annum + 6M Euribor
    Amendment of loan agreement:
    - Change of educational institution
    - Change of graduation year
    - Compiling a schedule for early repayment of the loan
    - Change or cancellation of schedule
    - Change of collateral
    - Change of date    		 Easier via Internet Banking 14.00
    Loan statement printing 4.27
    Early partial repayment of the credit Easier via Internet Banking Free of charge Minimum amount of repayment -142.29 EUR.
    Closing
    Full early repayment of the credit Easier via Internet Banking Free of charge

    Effective from 18.04.2017.

  • pricelist_study_loan_guaranteed_2009

    pricelist_study_loan_guaranteed_2009

    New agreements for this service are not offered
    Product / service Price, EUR
    Using
    Amendment of loan agreement:
    - Change in disbursements or educational institution
    - Compilation of schedule for early repayment of the loan (if the time for commencing repayment of the loan stated in the agreement has not arrived)
    - Change, cancellation of schedule (according to an existing early repayment schedule, except in the repayment postponement cases laid down in Cabinet Regulations No. 220)
    - Change in collateral
    - Change in date    		 Easier via Internet Banking 4.27 Amendments to agreement for change in disbursements or educational institution can only be signed at branches.
    Postponement and extension of repayment of the loan in the cases laid down in Cabinet Regulations No. 220 (pregnancy or postnatal leave from work; child-care leave from work until child’s 1.5 years of age and working part-time; continuation of studies towards bachelor’s, master’s, doctor’s or higher professional education degree or in residency training; is officially unemployed) Easier via Internet Banking Free of charge Additional supporting documents must be presented.
    Loan statement printing 4.27
    Early partial repayment of the credit Easier via Internet Banking Free of charge Minimum amount of repayment -142.29 EUR.
    Closing
    Full early repayment of the credit Easier via Internet Banking Free of charge

    Effective from 18.04.2017.
  • Swedbank Credit Card

    Swedbank Credit Card

    Service Price, EUR
    Receiving
    Ordering the card Easier via Internet Banking Free of charge The card delivery method can be selected via Internet Banking.
    Card production and delivery Best value by post 2.00-4.00 By post in Latvia - 2.00
    At branches - 4.00     		The fee is debited automatically after activation of the card. The fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or after activation of the card.
    Accelerated production and delivery of card
    In branch Ķīpsala, Spice Collectable within 4 hours 35.00 The fee is charged in addition to the production and delivery fee. Accelerated card production and delivery can be ordered at branches or by phone via Telephone Banking on 67 444 444. If the card is ordered on business days by 13:30, it will be produced and delivered to branch Ķīpsala (Riga, Balasta dambis 15) or Spice (Riga, Jaunmoku iela 13, s/c Spice Home) within 4 business hours. Next business day delivery to other branches in and outside Riga.
    Other branches in and outside Riga Collectable on the next business day 35.00 The fee is charged in addition to the production and delivery fee. Accelerated card production and delivery can be ordered at branches or by phone via Telephone Banking on 67 444 444. If the card is ordered on business days by 13:30, it will be produced and delivered to branch Ķīpsala (Riga, Balasta dambis 15) or Spice (Riga, Jaunmoku iela 13, s/c Spice Home) within 4 business hours. Next business day delivery to other branches in and outside Riga.
    Using
    Monthly fee 1.70 The fee is debited from the account linked to the credit card on the monthly payment date set in the agreement. The fee is debited automatically for each month when the card has been in customer’s use. From 01.09.2022, the credit card’s monthly fee ‒ 1.70 EUR.
    Purchases in Latvia and abroad Free of charge
    Currency exchange mark-up 2% The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
    A transfer from the credit card account See Payments Fees for transfers from the credit card account are identical to those for payments from the current account.
    Cash transactions See Cash transactions in ATMs and retail outlets
    Purchase Insurance Free of charge More about Purchase Insurance.
    Interest-free period Until end of the current month The interest-free period applies to card purchases only. The interest-free period does not apply to cash withdrawals and transfers.
    Interest rate per annum on amount outstanding From 20% The interest rate is set individually and depends on the customer’s credit history, amount of loan obligations, and transfers of regular income to their account with Swedbank.
    Exceeding the credit limit and using the credit limit not repaid on time 0.167% of the exceeded amount per day
    Early partial repayment of credit Easier via Internet Banking Free of charge
    Changes in the credit card agreement Free of charge
    Balance in ATMs
    In Swedbank ATMs in Latvia Free of charge
    - In ATMs of other banks 0.40
    Printout of last 5 transactions in Swedbank ATMs in Latvia 0.20
    Emergency cash assistance in Western Union service points 42.00 In cases of loss or blocking of the card.
    Claim processing Free of charge Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.
    Closing
    Closing the card Easier Internet Banking and the mobile app Free of charge Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

    Effective from 01.09.2022.

  • Gold Revolving Credit Card

    Gold Revolving Credit Card

    Service Price, EUR
    Receiving
    Ordering the card Easier via Internet Banking Free of charge The card delivery method can be selected via Internet Banking.
    Card production and delivery Best value by post 2.00-4.00 By post in Latvia - 2.00
    At branches - 4.00     		The fee is debited automatically after activation of the card. The fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or after activation of the card.
    Accelerated production and delivery of card
    In branch Ķīpsala, Spice Collectable within 4 hours 35.00 The fee is charged in addition to the production and delivery fee. Accelerated card production and delivery can be ordered at branches or by phone via Telephone Banking on 67 444 444. If the card is ordered on business days by 13:30, it will be produced and delivered to branch Ķīpsala (Riga, Balasta dambis 15) or Spice (Riga, Jaunmoku iela 13, s/c Spice Home) within 4 business hours. Next business day delivery to other branches in and outside Riga.
    Other branches in and outside Riga Collectable on the next business day 35.00 The fee is charged in addition to the production and delivery fee. Accelerated card production and delivery can be ordered at branches or by phone via Telephone Banking on 67 444 444. If the card is ordered on business days by 13:30, it will be produced and delivered to branch Ķīpsala (Riga, Balasta dambis 15) or Spice (Riga, Jaunmoku iela 13, s/c Spice Home) within 4 business hours. Next business day delivery to other branches in and outside Riga.
    Using
    Monthly fee 5.00 The fee is debited from the account linked to the credit card on the monthly payment date set in the agreement. The fee is debited automatically for each month when the card has been in customer’s use.
    Purchases in Latvia and abroad Free of charge
    Currency exchange mark-up 2% The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
    A transfer from the credit card account See Payments Fees for transfers from the credit card account are identical to those for payments from the current account.
    Cash transactions See Cash transactions in ATMs and retail outlets
    Purchase Insurance Free of charge More about Purchase Insurance.
    Travel Insurance Free of charge More about Travel Insurance.
    Interest-free period Until following month's 10. date The interest-free period applies to card purchases only. The interest-free period does not apply to cash withdrawals and transfers.
    Interest rate per annum on amount outstanding From 16% The interest rate is set individually and depends on the customer’s credit history, amount of loan obligations, and transfers of regular income to their account with Swedbank.
    Exceeding the credit limit and using the credit limit not repaid on time 0.167% of the exceeded amount per day Excess and overdue penalty.
    Early partial repayment of credit Easier via Internet Banking Free of charge
    Changes in the credit card agreement Free of charge
    Balance in ATMs
    In Swedbank ATMs in Latvia Free of charge
    - In ATMs of other banks 0,40
    Printout of last 5 transactions in Swedbank ATMs in Latvia 0.20
    Emergency cash assistance in Western Union service points 42.00 In cases of loss or blocking of the card.
    Claim processing Free of charge If processing of the claim involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
    Closing
    Closing the card Easier Internet Banking and the mobile app Free of charge Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

    Effective from 01.10.2021.

  • Platinum Credit Card

    Platinum Credit Card

    Service Price, EUR
    Receiving
    Ordering the card Easier via Internet Banking Free of charge The card delivery method can be selected via Internet Banking.
    Card production and delivery Best value by post 2.00-4.00 By post in Latvia - 2.00
    At branches - 4.00     		The fee is debited automatically after activation of the card. The fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or after activation of the card.
    Accelerated production and delivery of card
    - In branch Ķīpsala, Spice Collectable within 4 hours 35.00 The fee is charged in addition to the production and delivery fee. Accelerated card production and delivery can be ordered at branches or by phone via Telephone Banking on 67 444 444. If the card is ordered on business days by 13:30, it will be produced and delivered to branch Ķīpsala (Riga, Balasta dambis 15) or Spice (Riga, Jaunmoku iela 13, s/c Spice Home) within 4 business hours. Next business day delivery to other branches in and outside Riga.
    - Other branches in and outside Riga Collectable on the next business day 35.00 The fee is charged in addition to the production and delivery fee. Accelerated card production and delivery can be ordered at branches or by phone via Telephone Banking on 67 444 444. If the card is ordered on business days by 13:30, it will be produced and delivered to branch Ķīpsala (Riga, Balasta dambis 15) or Spice (Riga, Jaunmoku iela 13, s/c Spice Home) within 4 business hours. Next business day delivery to other branches in and outside Riga.
    Using
    Monthly fee 17 The fee is debited from the account linked to the credit card on the monthly payment date set in the agreement. The fee is debited automatically for each month when the card has been in customer’s use.
    Purchases in Latvia and abroad Free of charge
    Currency exchange mark-up 0% The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
    A transfer from the credit card account See Payments Fees for transfers from the credit card account are identical to those for payments from the current account.
    Cash transactions See Cash transactions in ATMs and retail outlets
    Purchase Insurance Free of charge More about Purchase Insurance.
    Travel Insurance Free of charge More about Travel Insurance.
    LoungeKey
    - Program membership fee Free of charge The LoungeKey unlocks access to special lounges at over 1000 airports worldwide. Find out more on LoungeKey.com or the mobile app.
    - Platinum Extra Package annual fee 171 EUR (incl. PVN) The Platinum Credit Card’s Extra Package allows the credit card holder to have 20 free airport lounge visits per calendar year. The annual fee is debited from the current account linked to the credit card.
    Interest-free period Until following month's 20. date The interest-free period applies to card purchases only. The interest-free period does not apply to cash withdrawals and transfers.
    Interest rate per annum on amount outstanding From 14% The interest rate is set individually and depends on the customer’s credit history, amount of loan obligations, and transfers of regular income to their account with Swedbank.
    Exceeding the credit limit and using the credit limit not repaid on time 0.167% of the exceeded amount per day Excess and overdue penalty.
    Early partial repayment of credit Easier via Internet Banking Free of charge
    Changes in the credit card agreement Free of charge
    Balance in ATMs
    - In Swedbank ATMs in Latvia Free of charge
    - In ATMs of other banks 0.40
    Printout of last 5 transactions in Swedbank ATMs in Latvia 0.20
    Emergency cash assistance in Western Union service points 42.00 In cases of loss or blocking of the card.
    Claim processing Free of charge If processing of the claim involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
    Closing
    Closing the card Easier Internet Banking and the mobile app Free of charge Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

    Effective from 09.07.2020.
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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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