Stocks

Investment opportunities for everyone

Swedbank provides a possibility to invest in securities on beneficial terms:

Transactions with stocks traded on Baltic exchanges and safekeeping are free of charge
Transactions with stocks traded on US and Western European exchanges starting from 10 EUR.
Holding a portfolio of up to 100 000 EUR is free of charge.

Stocks, also known as equities and shares, are securities that prove the shareholder’s ownership stake in a company and grant certain rights. Companies issue stocks to raise capital for various purposes, such as expanding the company’s business operations. When you buy a stock, you essentially become a part-owner of the underlying company.

Stock portfolios tend to produce higher returns on investments in the long term as compared to other investment solutions. *
You can start investing in stocks with a relatively small amount of money (for example, in the stocks of Baltic companies).
You may receive dividends from the company – a portion of the company's distributable profits.
You can make a profit from the increase in stock prices.
You can own a tiny slice of a company whose products or services you love.

*Since the inception of the S&P 500 Index (an index that is composed of 500 large US companies) in 1926, it has generated gross annual returns in USD of around 10% on the average (the level of return is the average of all the stocks in the S&P 500 Index). All forms of investing involve some degree of risk and stock investing is no different in this regard. It’s important to be aware that not every stock performs this well.

Prices of stocks may also fluctuate due to reasons not necessary directly connected to the company‘s economic results (e.g. global economic downturn).
Stocks, similarly to any other investment solution, are also subject to various other risks, such as liquidity risk, legislative risk, currency risk, tax risk, interest rate risk, etc.

It is important to be aware of those risks and to assess them on a continuous basis. For more information on the potential risks, see here.

Baltic stocks analysis

Find out useful information about Baltic stocks.

Global monthly financial market overview

Find out about global financial market trends and economic news.

Open an investment account or a securities account via Internet Banking.

	Investment account	Securities account
Investments are conveniently kept apart from your everyday transactions.
After each securities sales transaction resulting in profit, you need to perform the personal income tax calculation. Further information is available here.
The personal income tax is payable from the profit only when the amount withdrawn from the account exceeds the amount invested.
The declaration of income is convenient and simple using the investment account statement which can easily be prepared via Internet Banking.
Preparing information and calculating the personal income tax for the declaration is more complicated as it involves manual calculations using the securities account and cash account statement.
Securities can be transferred to and received from third parties or family members.
Transfers of securities can only be made to your own account of the same status with another bank.

Select stocks to buy.
Place an order for buying stocks.

Before purchasing stocks, it is advisable to review our Guide to Financial Instruments, including information on the associated risks, and the Order Execution Policy.

When investing in stocks, the investor must pay taxes themselves in accordance with the Law on Personal Income Tax. The tax payment procedure depends on the type of account chosen.

The personal income tax is payable on the profit only if the amount withdrawn from the account exceeds the amount invested.
The declaration of income is convenient and simple using the investment account statement which can easily be prepared via Internet Banking.

After each securities sales transaction resulting in profit, you need to perform the personal income tax calculation. Further information is available here.
Preparing information and calculating the personal income tax for the declaration is more complicated as it involves manual calculations using the securities account and cash account statements.

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%, Hungary 0,3% etc.), such tax is added to the transaction charges.

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 Attention! Security transfers are not carried out now.	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	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) Attention! Transactions on this stock exchange are not carried out now.	-	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.

Tax relief at source / tax reclaim and general meeting services are subject to availability on each specific market.
Maintenance fee of an owner account is charged in addition to monthly securities safekeeping fee. Owner account is an account in the name of the Client opened at Nasdaq CSD SE and used only on behalf of the specific Client.
Owner account at Nasdaq CSD SE may be opened only at the branch office.

Safekeeping fee is calculated based on the value of the portfolio on the last date of the calendar month. Securities are priced according to the month end prices of the Bank’s local agents, market price or nominal value. Bonds are priced at nominal value. Fees are debited on the 20th or later date of the following month from the Client’s cash account linked to the securities account.
ETF safekeeping fee equals to the safekeeping fee of its trading country.
Safekeeping of Depositary Receipts (ADR, GDR) is subject to the respective DR Agent’s fees in addition to safekeeping fees.

Effective from 01.04.2023

Service	Price, EUR
Receiving
Account opening	0,00-4,50 Via Internet Banking - Free of charge At branches - 4.50
Account statements
Statement of holdings	0,00-7,00 Via Internet Banking - Free of charge At branches – 7.00
Statement of transaction	0,00-7,00 Via Internet Banking - Free of charge At branches – 7.00
Monthly Securities Safekeeping Fees options Safekeeping fee is calculated based on the value of the portfolio on the last date of the calendar month. Securities are priced according to the month end prices of the Bank’s local agents, market price or nominal value. Bonds are priced at nominal value. Fees are debited on the 20th or later date of the following month from the Client’s cash account linked to the securities account. If Client only holds securities of Estonian, Latvian or Lithuanian companies under liquidation or bankruptcy proceedings according to the Nasdaq CSD SE data, no safekeeping fee is charged. ETF safekeeping fee equals to the safekeeping fee of its trading country. Safekeeping of Depositary Receipts (ADR, GDR) is subject to the respective DR Agent’s fees in addition to safekeeping fees.
Swedbank Group funds	Free of charge
Baltic securities	Free of charge
Other investment funds, equities and bonds*
- Up to 100 000 EUR**	Free of charge
- From the value above 100 000 EUR**	0.008%
* Securities registered in Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Hungary, Ireland, Italy, Netherlands, Norway, Poland, Portugal, Russia, Spain, Sweden, Switzerland, UK, USA and Depositary Receipts (ADR, GDR), Eurobonds. ** Swedbank Group Funds and Baltic securities are excluded from the calculation of the portfolio value for safekeeping fee calculation.
Other countries	Subject to agreement
Other services options Tax relief at source / tax reclaim and general meeting services are subject to availability on each specific market. Maintenance fee of an owner account is charged in addition to monthly securities safekeeping fee. Owner account is an account in the name of the Client opened at Nasdaq CSD SE and used only on behalf of the specific Client. Owner account at Nasdaq CSD SE may be opened only at the branch office.
Owner securities account opening at Nasdaq CSD SE	50.00
Owner securities account monthly account maintenance	50.00
Tax relief at source / tax reclaim	Subject to agreement
Participation in general shareholder’s meeting	Subject to agreement
Closing
All securities account types	Free of charge
Transactions with securities	See Securities and Other Exchange-traded financial instruments
Transactions with investment fund units	See Investment Funds

Effective from 01.04.2023.

Remote consultation

If you have any futher questions, don’t hesitate to sign up for a remote consultation at a time convenient for you.

A convenient way of diversifying and sustainably investing spare money, starting from 1 EUR.

An investment solution if you want to create a diversified portfolio of securities on your own quickly and simply.

Stocks

Investment opportunities for everyone

Investment account

Securities account

Effective from 01.03.2020

Effective from 01.04.2023

Remote consultation

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