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Savings, investments

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
Interest rate
- EUR 0%
- 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 18.03.2021

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 0.00%
USD 10 0.00%
SEK 100 0.00%
NOK 100 0.00%
GBP 10 0.00%

Effective from 18.03.2021

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) 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 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 18.12.2020

2nd pension pillar

Service Price
Using
Fees from savings (per year): Pension investment plan
1990+ 1980+ 1970+ Dynamics Stability
- Invariable remuneration 0.43% Including invariable remuneration:
- to the asset manager 0.34%
- to custodian bank 0.09%
0.43% Including invariable remuneration:
- to the asset manager 0.34%
- to custodian bank 0.09%
0.43% Including invariable remuneration:
- to the asset manager 0.34%
- to custodian bank 0.10%
0.43% Including invariable remuneration:
- to the asset manager 0.355%
- to custodian bank 0.075%
0.39% Including invariable remuneration:
- to the asset manager 0.31%
- 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% 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 01.01.2021.

3rd pension pillar

Service Price
Receiving
Application acceptance Free of charge
Using
Setting up regular contributions Free of charge
Fees on contributions:
- To Financial and Capital Market Commission 0% Deductions for Financial and Capital Market Commission are covered by Pension Fund.
Fees on savings (per year) Pension plan
Stability + 25 Dynamics + 60 Dynamics + 100 Dynamics + USD
- 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% 0.34% The fee is deducted automatically from the savings.
Change in the sum of contributions Free of charge
Pension account statement on Internet Banking site 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/USD. The minimum reserve after partial withdrawal of the reserve is at least 30 EUR/USD.

Effective from 01.01.2020.

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.<br />Interest accrues on the deposit amount on a daily basis and is transferred to the principal account upon maturity.
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. 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.
Contract Currency The minimum amount of deposit Rate
EUR 100 0.00%
USD 100 0.00%
SEK 1000 0.00%
NOK 1000 0.00%
GBP 100 0.00%

Effective from 18.03.2021.

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 10 000 - 100 000 0.5% 0.75% 0.75% 1% 1%
- 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.
General Terms, Transaction Dates and Procedure

Effective from 04.01.2021.

  • 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

    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

    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.
  • Privatization and compensation certificate transfers may be subject to stamp duties.
  • 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% 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 01.03.2020

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
Transaction with privatization / compensation certificates Subject to agreement Privatization and compensation certificate transfers may be subject to stamp duties, as well as extra fees associated with the peculiarities of holding them at the “Publisko aktīvu pārvaldītājs Possessor” AS.
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
Russia 45.00
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 (London Stock Exchange, Russian GDR) 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 Russia (MOEX in USD) - 0.55%, (min. 85.00 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 in debt securities Subject to agreement on price or yield In separate cases or upon client’s request the Bank may reflect transaction margin as a commission.
Nominal value up to 50,000 EUR or the equivalent in other currency Transaction margin up to 3% of the nominal value of the transaction (min. 30 EUR or the equivalent in other currency)
Nominal value from 50,000 to 250,000 EUR or the equivalent in other currency Transaction margin up to 1% of the nominal value of the transaction (min. 30 EUR or the equivalent in other currency)
Nominal value above 250,000 EUR or the equivalent in other currency Transaction margin up to 0.5% of the nominal value of the transaction (min. 30 EUR or the equivalent in other currency)
Purchase of debt securities of the Republic of Latvia or Republic of Lithuania in domestic auctions Transaction margin at the rate of 0.1% of the nominal value bought (min. 30 EUR or the equivalent in other currency) In separate cases or upon client’s request the Bank may reflect transaction margin as a commission.
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
Darījumi ar ieguldījumu fondu daļām See Investment Funds

Effective from 01.03.2020.

  • Target savings account

    Target savings account

    New agreements for this service are not offered

    Service Price, EUR
    Using
    Administration Free of charge
    Interest rate See My deposits
    Payments into Target Savings Account See Payments
    Cash payments into Target Savings Account See Cash transactions in branches
    Closing
    Early termination of the agreement Free of charge
    Paying out the savings in cash See Cash transactions in branches

    Effective from 03.03.2014

  • Term Deposit with Monthly Interest Capitalization

    Term Deposit with Monthly Interest Capitalization

    New agreements for this service are not offered

    Service Price, EUR
    Using
    Interest rates See Interest rates
    Administration Free of charge
    Closing
    Early termination of the agreement 1% of the deposit amount
    Paying out the deposit in cash See Cash transactions in branches

    Interest rates
    Currency Deposit amount Deposit duration
    1 year 2 years 3 years 5 years
    EUR 0 0.04% 0.04% 0.04% 0.04%
    USD 0 0.49% 0.49% 0.49% 0.49%

    Effective from 01.09.2016

  • Guaranteed-Income Savings

    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):
    - 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)
    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

    Effective from 28.02.2020.

  • Unit-Linked Income Savings (Fund plan)

    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 18.12.2020.

  • Saving for the child's future with dynamic income

    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)
    Risk payment (per month) 2.5% o the monthly risk amount
    Amendment of the contract Free of charge
    Buying of investment fund units ISIN Purchase price
    - GAM Euro Bond B - EUR LU0012197660 NAV + 0,5%
    - GAM Multibond Total Return Bond EUR C LU0100840759 NAV + 0,5%
    - Swedbank Fund of Funds 30 - EUR EE3600078648 NAV + 1%
    - Swedbank Fund of Funds 60 - EUR EE3600078655 NAV + 1%
    - Swedbank Fund of Funds 100 - EUR EE3600078663 NAV + 1%
    Selling investment fund units ISIN Selling price
    - GAM Euro Bond B - EUR LU0012197660 NAV
    - GAM Multibond Total Return Bond EUR C LU0100840759 NAV
    - Swedbank Fund of Funds 30 - EUR EE3600078648 NAV
    - Swedbank Fund of Funds 60 - EUR EE3600078655 NAV
    - Swedbank Fund of Funds 100 - EUR EE3600078663 NAV
    Closing
    Partial withdrawal of the reserve 1% (min. 21.34)
    Early termination of the contract 1% (min. 21,34)

    Effective from 27.06.2018.

  • Dynamic deposit

    Dynamic deposit

    Service Price, EUR
    Using
    Administration Free of charge
    Yield See Special terms of the offer
    Closing
    Early termination of the agreement Easy via Internet Banking Varies case-by-case, see Special terms of the offer
    Paying out the deposit in cash See Cash transactions in branches

    Effective from 01.09.2016.

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Got called an auntie by some kids?

This could be a sign that it’s time to start 3rd pillar pension savings.

Start saving and make use of the benefits of 3rd pension pillar:

  • Broad selection of pension plans
  • Sustainable investments
  • Low fees