Savings, investments

Savings account

Service	Price, EUR
Receiving
Setting up the contract Only in EUR.	Free of charge
Using
Administration	Free of charge
Withdrawal of money	Free of charge
Annual interest rates
- EUR	2.50%
- Agreements in other currencies (USD, SEK, NOK, GBP), which are concluded till 06.05.2020	0%
Closing
Termination of contract	Free of charge
Payout of savings in cash from current account	See Cash transactions in branches

Effective from 15.09.2023.

Fixed-term Deposit

Service		Price, EUR
Receiving
Setting up the contract	Easy via Internet Banking	Free of charge
Transfer/cash payment into term deposit on its opening date		Free of charge
Using
Administration		Free of charge	Adding funds to the deposit is not possible.
Interest rates and minimum amounts		See Interest rates	Interest rate is fixed for the entire deposit period. Interest accrues on the deposit amount on a daily basis and is transferred to the principal account: a) upon maturity; b) on a monthly basis. If the time period, for which the deposit is placed, differs from the standard durations specified in the price list, then an interest rate for the closest shorter period will be applied.
Closing
Early termination of the agreement	Easier via Internet Banking	Free of charge	If the deposit is closed before maturity, then the depositor will not be paid the interest accrued, plus any interest paid out earlier will be withheld (including any withheld taxes). The withholdings will be made from the deposit amount before payout.
Payout of deposit in cash from current account		See Cash transactions in branches For deposit contracts set up before 01.07.2013, cash payout in USD and EUR is free of charge for 1 calendar month after transfer of deposit amount to the customer’s current account.

		Maturity
		1 month	3 months	6 months	1 year
Contract Currency	The minimum amount of deposit	Annual rate
EUR	100	2.75%	3.25%	3.25%	3.60%
USD	100	1.50%	1.50%	1.75%	3.00%
GBP	100	0.50%	0.50%	0.90%	1.30%
SEK	1000	0.30%	0.30%	0.60%	1.00%
NOK	1000	0.30%	0.30%	0.60%	1.00%

Effective from 18.04.2024.

Majority savings account

Service	Price, EUR
Receiving
Setting up the contract	Free of charge
Payment / cash deposit into Majority Savings Account on its opening date	Free of charge
Using
Administration	Free of charge
Payment into Majority Savings Account	See Payments	Funds can be added to the Majority Savings Account without restrictions.
Cash deposit into Majority Savings Account	See Cash transactions in branches	Funds can be added to the Majority Savings Account without restrictions.
Interest rate and minimal amount	See Interest rates	Interest rate is revised once a year, interest accrues on each day’s Majority Savings Account balance and is added to the savings every year on the date corresponding to the agreement start date.
Closing
Early termination of the agreement	Free of charge	Early termination of the agreement is subject to prior permission by the orphan's court.
Paying out the deposit in cash	See Cash transactions in branches

Contract Currency	The minimum amount of deposit	Rate
EUR	10	2.50%
USD	10	2.50%
SEK	100	1.00%
NOK	100	1.00%
GBP	10	1.30%

Effective from 15.09.2023.

Savings for child’s future with guaranteed amount

Service	Price, EUR
Applying
Contract conclusion	Free of charge
Using
Insurance premium fee	Free of charge
Contract handling fee (per year)	0,79% per annum of the Savings reserve	The contract handling fee is not charged for insurance premiums for which investment units are not yet purchased. The fee is withheld from the reserve once a month.
Contract handling fee (per year)		The contract handling fee is not charged for insurance premiums for which investment units are not yet purchased. The fee is withheld from the reserve once a month.
- Reserve <= 10 000 EUR	1,25% per annum of the Savings reserve
- Reserve > EUR 10 000	1,125% per annum of the Savings reserve
Guarantee fee	0,2 % per annum of Guaranteed Amount	The Guarantee fee is deducted from the Savings Reserve.
Risk fee	1,9% monthly fee, shall be calculated from Monthly Risk Amount	2,5% monthly fee, shall be calculated from Monthly Risk Amount	The Risk fee is deducted from the Savings Reserve.
Contract modifications	Free of charge
Partial withdrawal of money:
if the outpayment is applied during the first five years from Сontract conclusion	1,0% of the withdrawal amount (minimal 20 EUR)	The Service fee for the partial withdrawal of money is deducted from the withdrawal amount.
in other cases	free of charge
Closing
Termination of the Contract:
if the outpayment is applied during the first five years from Сontract conclusion	1,0 % of the Savings reserve (minimal 20 EUR)
in other cases	free of charge
Sum limits
Minimum monthly Insurance premium	30 EUR per month
Maximum Monthly Risk amount	100 EUR
The minumum Savings reserve after partial withdrawal	300 EUR

Effective from 01.07.2022

Effective from 01.07.2023

2nd pension pillar

Service	Price
Using
Fees from savings (per year):	Pension investment plan
Fees from savings (per year):	1990+	1980+	1970+	Dynamics	Stability	Dynamics Index
- Invariable remuneration	0.42% Including invariable remuneration: - to the asset manager 0.34% - to custodian bank 0.08%	0.42% Including invariable remuneration: - to the asset manager 0.34% - to custodian bank 0.08%	0.42% Including invariable remuneration: - to the asset manager 0.34% - to custodian bank 0.08%	0.42% Including invariable remuneration: - to the asset manager 0.355% - to custodian bank 0.065%	0.39% Including invariable remuneration: - to the asset manager 0.31% - to custodian bank 0.08%	0.30% Including invariable remuneration: - to the asset manager 0.22% - to custodian bank 0.08%	The fee is deducted automatically from the accrued amount.
- Variable remuneration to the asset manager	up to 0.05%	up to 0.05%	up to 0.05%	up to 0.05%	0%	0%	The amount of the variable remuneration depends on the pension plan management result and is calculated as set forth in the state-funded pension law.
Switching the plan	Free of charge
Closing
Switching the management company	Free of charge

Effective from 01.08.2022.

3rd pension pillar

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

Effective from 12.01.2023.

Private portfolio

Service	Price, EUR / %
Receiving
Setting up the contract	Free of charge
Using
Insurance premium fee	Free of charge
Contract handling fee (per year)	The Administrative fee is calculated as a percentage of the value of the Savings reserve.					The contract handling fee is set as a rate per annum and depends on the investment strategy and amount of reserve. The fee is withheld from the reserve once a month The fee is not charged for insurance premiums for which investment units have not yet been purchased.
	Conservative Strategy	Real Value Strategy	Balanced Strategy	Growth Strategy	Aggressive Growth Strategy
- Reserve < EUR 10 000	0.75%	1%	1%	1.25%	1.25%
- Reserve EUR < 100 000	0.39%	0.69%	0.69%	0.99%	0.99%
- Reserve EUR 10 000 - 100 000	0.5%	0.75%	0.75%	1%	1%
- Reserve = > EUR 100 000	0.29%	0.49%	0.49%	0.69%	0.69%
- Reserve = > EUR 100 000	0.4%	0.5%	0.5%	0.75%	0.75%
Amendment of the contract	Free of charge
Closing
Partial payout of the reserve or early termination of the contract:	0% - 0.5% 0.5% of the amount of the reserve to be paid out if the payout is requested within 5 years after the contract start date. In other cases - free of charge.					The minimum reserve after partial withdrawal of the reserve is at least 300 EUR.
Sum limits
Minimum Insurance premium if premium payment schedule is agreed in the Contract	50 EUR per month 150 EUR per quarter 300 EUR per 6 months 600 EUR per year
Minimum first Insurance premium if premium payment schedule is not agreed in the Contract	1000 EUR
The minumum of Savings reserve after partial withdrawal	300 EUR					Upon out-payment, partial withdrawal amount together with partial withdrawal fees can not exceed Savings rezerve.

documentGeneral Terms, Transaction Dates and Procedure

Effective from 01.07.2023

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

pricelist_swedbank_funds

Service	Price, EUR
Receiving
Opening of securities account	See Securities account
Securities account statements	See Securities account
Subscription, redemption and switch of investment fund units options Fund orders submitted to the Bank cannot be cancelled. Fee for fund switch transactions charged only on delivery side. Fund switch subject to the conditions specified in the fund terms.
Subscription	Bond	Equity and balanced
Swedbank Group funds	Free of charge	Free of charge
Regular automatic investment
Swedbank Group funds	Free of charge	Free of charge
Redemption / switch
Swedbank Group funds	Free of charge	Free of charge
Monthly Funds Safekeeping Fees
Swedbank Group funds	Free of charge
Closing
Closing of securities account	See Securities account

Effective from 09.12.2019

pricelist_franklin_funds

Service	Price, EUR
Receiving
Opening of securities account	See Securities account
Securities account statements	See Securities account
Subscription, redemption and switch of investment fund units options Fund orders submitted to the Bank cannot be cancelled. Fee for fund switch transactions charged only on delivery side. Fund switch subject to the conditions specified in the fund terms.
Subscription	Bond	Equity and balanced
Franklin Templeton funds	0,50% (min. 7,00)	1,50% (min. 7,00)
Other funds	0,50% (min. 21,00)	1,50% (min. 21,00)
Regular automatic investment
Franklin Templeton funds	0,50% (min. 1,50)	1,50% (min. 1,50)
Other funds	0,50% (min. 1,50)	1,50% (min. 1,50)
Redemption / switch
Franklin Templeton funds	7,00	7,00
Other funds	21,00	21,00
Monthly Funds Safekeeping Fees
Franklin Templeton funds	See Securities account
Other funds	See Securities account
Closing
Closing of securities account	See Securities account

Effective from 09.12.2019

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

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

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

Securities and Other Exchange-Traded Financial Instruments

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

Effective from 13.07.2023

Service	Price, EUR
Other transactions with Latvian securities options Fees charged from both parties of the transaction Bank internal transactions are transactions between the securities accounts of the Bank’s clients. Privatization and compensation certificate transfers may be subject to stamp duties.
Transfer from Initial Register (Deregistration)	4.50
Securities transfer to the insolvent companies register	4.50
Free of payment transaction	4.50
Bank internal free of payment transaction	3.00
Against payment transaction in EUR	6.00
Against payment transaction in USD for USD nominated securities	40.00
Subscription to securities of new issue/ participation in offering	Transaction fee		Transaction fee depends on the transaction type (without payment or versus payment)
Other transactions with foreign securities options Information on eligible foreign securities is available from the Bank. Bank internal transactions are transactions between the securities accounts of the Bank’s clients. Transaction fee includes standard settlement fees charged by the Bank’s Custodians. Same fee applies to both free of payment and against payment transactions Fees charged from both parties of the transaction
Bank internal free of payment transaction	3.00
Bank internal against payment transaction	6.00
Estonia, Lithuania	10.00
Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Hungary, Ireland, Italy, Norway, Netherlands, Poland, Portugal, Spain, Sweden, Switzerland, UK, USA, Eurobonds	25.00
Foreign funds	45.00
Subscription to securities of new issue/participation in offering	Transaction fee		Transaction fee depends on the transaction type (without payment or versus payment) and the country where the securities are registered
Service	Price, EUR
	Channel of submitting the order
	Via Internet Banking	At branches/By phone 67444141
Broker services
Equities and exchange-traded funds (ETFs) on stock exchanges options Percentage based trading fees calculated from trade amount. Trading fee is charged in trading currency based on the Bank’s exchange rates. Trading orders transmitted to the Bank can cancelled until executed. In case the order is not executed in full during a single trading day, the trading fee (including minimum trading fee) for partial order execution is charged in full for each trading day when the order is partially executed. On certain markets, minimum transaction amounts may apply. Exchange traded funds (ETFs) in context of this pricelist are treated as shares. Futures and options traded with the Bank are not registered on clients’ securities accounts. The Bank shall disclose the specific mark-up in debt securities trading price upon Client’s request before entering into transaction. A stamp duty of 0,5% of transaction amount on buying UK securities and 1% on buying Irish securities is added to the transaction charges. In certain events, a higher rate (1,5%), a bonus rate or tax exemption may apply for UK securities. If purchase transactions are subject to FTT according to local market regulations (e.g. France, Italy), such tax is added to the transaction charges.
Estonia, Latvia, Lithuania	Free of charge	0.4%, (min. 5.60 EUR)
in Germany (Xetra), Sweden, USA	0.25%, (min. 10.00 EUR)	0.4%, (min. 28.00 EUR)
in Belgium, Canada, Denmark, Finland, France, Ireland, Netherlands, Norway, United Kingdom	0.25%, (min. 15.00 EUR)	0.4%, (min. 28.00 EUR)
in Austria, Czech Republic, Hungary, Italy, Poland, Portugal, Spain, Switzerland	0.25%, (min. 15.00 EUR)	0.4%, (min. 42.00 EUR)
In other countries	Subject to agreement
Direct transactions on Nasdaq Riga	Subject to agreement
Participation in auctions organized by Nasdaq Riga	Subject to agreement
Debt securities
Transactions with debt securities on stock exchanges and secondary market over-the- counter (OTC) transactions with debt securities	A transaction surcharge of up to 0.5% of the transaction face value is included in the bond price	When the price or yield is negotiated, a transaction surcharge or a fee of up to 0.5% of the transaction face value (min. 30 EUR or the equivalent amount in other currencies) is applied
The acquisition of Latvian, Lithuanian and Estonian government debt securities at local primary auctions	-	A transaction surcharge or a fee of up to 0.1% of the acquired bond’s face value (min. 30 EUR or the equivalent amount in other currencies) is applied
Fee for transactions with exchange-traded futures	Agreed on case-to-case basis
Fee for transactions with exchange-traded options	Agreed on case-to-case basis
*On account opening and maintenance with a Clearing house for transactions with futures and options:** *Any Clearing house that is an authorised central counter party (CCP) for the purposes of the European Market Infrastructure Regulation (Regulation (EU) No.648/2012).
Net Omnibus Segregated Account (NOSA)	Free of charge
Gross Omnibus Segregated Account (GOSA)	Agreed on a case-to-case
Other securities services
Transaction cancellation	Transaction fee		- Cancellation of instructions is allowed only if instruction is not yet processed by the Bank. - Transaction fee depends on the transaction type (without payment or versus payment) and the country where the securities are registered
Pledge transaction	15.00
Blocking of securities on bailiff's instructions	Transaction fee		Transaction fee depends on the transaction type (without payment or versus payment) and the country where the securities are registered
Transactions with investment fund units	See Investment Funds

Effective from 13.07.2023

Term Deposit with Monthly Interest Capitalization

New agreements for this service are not offered

Service	Price, EUR
Using
Administration	Free of charge	Adding funds to the deposit is not possible.
Closing
Early termination of the agreement	Free of charge	If the deposit is closed before maturity date, then the depositor will not be paid the calculated interest, plus any interest capitalized earlier will be withheld. The withholdings will be made from the deposit amount before payout.
Paying out the deposit in cash	See Cash transactions in branches	For deposit contracts set up before 01.07.2013, cash payout in USD and EUR is free of charge for 1 calendar month after transfer of deposit amount to the customer’s current account.

Interest rates
Currency	Rate
EUR	0%
USD	0%

Effective from 18.03.2021

Guaranteed-Income Savings

New agreements for this service are not offered

Service	Price, EUR
Using
Statutory payment into the Fund for the Protection of the Insured from contributions	0.1%
Contract handling fee (per year):		The fee is withheld from the reserve once a month.
- Reserve < 6402.92 EUR	1.5% (min. 1.42 mon.)
- Reserve 6402.92 - 64 029.22 EUR	1%
- Reserve > = 64 029.23 EUR	0.75%
Amendment of the contract	Free of charge
Closing
Partial withdrawal of reserve within 5 years of the contract start date	1% of the amount to be paid out (min. 14.23)	Minimum amount of withdrawal in case of partial payout of reserve - 56.91 EUR. Minimum reserve after partial payout of reserve - 569.15 EUR.
Contract termination within 5 years of the contract start date	1% of the reserve (min. 21.34)
Partial payout of the reserve or contract termination in other cases	Free of charge	Minimum amount of withdrawal in case of partial payout of reserve - 56.91 EUR. Minimum reserve after partial payout of reserve - 569.15.

documentGeneral Terms, Transaction Dates and Procedure

Effective from 28.02.2020.

Unit-Linked Income Savings (Fund plan)

New agreements for this service are not offered

Service	Price, EUR
Using
Contract handling fee (per year)		The fee is withheld from the reserve once a month.
- Reserve < 6402.92 EUR	1.5% (min. 2.13/mon.)
- Reserve 6402.92 - 64,029.22 EUR	1,00%
- Reserve 64,029.23 - 284,574.35 EUR	0,75%
- Reserve >= 284,574.36 EUR	0.5%
Buying and selling assets	documentAvailable assets
Amendment of the contract	Free of charge
Closing
Partial payout of the reserve or early termination of the contract	0% - 0.5% 0.5% of the amount of the reserve to be paid out if the payout is requested within 5 years after the contract start date. In other cases - free of charge.	Minimum amount of withdrawal in case of partial payout of reserve - 56.91 EUR. Minimum reserve after partial payout of reserve - 569.15.

documentGeneral Terms, Transaction Dates and Procedure

Effective from 18.12.2023.

Results of funds in insurance contracts

Saving for the child's future with dynamic income

New contract conclution for this product is not offered

Service		Price, EUR
Using
Contract handling fee (per year)		1.25% (min. 2.85 per month)	The fee is withheld from the reserve once a month.
Risk payment (per month)		2.5% o the monthly risk amount	The risk payment is withheld from the reserve once a month.
Amendment of the contract		Free of charge	Changing the investment structure of the reserve and future insurance premiums is free of charge, whereas buying investment fund units is subject to a charge according to the Price List.
Buying of investment fund units	ISIN	Purchase price	NAV - Net Asset Value
- Amundi Index Euro Corporate SRI-UCITS ETF DR (C)	LU1437018168	NAV
- Swedbank Savings Fund 30 S	SE0017858913	NAV
- Swedbank Savings Fund 60 S	SE0017833288	NAV
- Swedbank Savings Fund 100 S	SE0017833270	NAV
Selling investment fund units	ISIN	Selling price	NAV - Net Asset Value
- Amundi Index Euro Corporate SRI-UCITS ETF DR (C)	LU1437018168	NAV
- Swedbank Savings Fund 30 S	SE0017858913	NAV
- Swedbank Savings Fund 60 S	SE0017833288	NAV
- Swedbank Savings Fund 100 S	SE0017833270	NAV
Closing
Partial withdrawal of the reserve		1% (min. 21.34)	The fee is withheld from the amount of the reserve to be paid out. The minimum amount for partial payout of reserve - 56.91 EUR. The minimum reserve after partial withdrawal of the reserve is at least 569.15 EUR.
Early termination of the contract		1% (min. 21,34)	The fee is withheld from the reserve.

documentGeneral Terms, Transaction Dates and Procedure

Effective from 29.08.2022.

Results of funds in insurance contracts

Savings, investments