Sending e-invoices

Collecting payments with e-invoices

Digital invoicing takes less time and money and ensures that payers will receive invoices.
Payers can allow the automatic payment of e-invoices, which is especially convenient for regular invoices.
Automatic payment of invoices not only enhances income expectations but also ensures a higher volume of timely payments.

What is it for?

An e-invoice is an electronic document that is created, distributed and stored in an electronic environment.
An e-invoice corresponds to the original invoice and may be imported into accounting systems.
The e-invoice sending service includes the presentation of e-invoices issued by your company to your clients and the receipt of applications about ordered or terminated e-invoices.
E-invoice recipients can pay the e-invoice sent to their Internet Bank conveniently with a pre-filled payment order.
To automate the payment of e-invoices, the bank will offer and promote to your clients the option to conclude an e-invoice standing order agreement, on the basis of which transfers for future e-invoices will be made by the bank.

Benefits for anyone sending an e-invoice

80% to 90% of e-invoice recipients at our bank choose e-invoices to be paid automatically, which in turn results in quick and easy payment collection.
Sending invoices digitally cuts transaction costs (such as printing and storage).
E-invoices are 60% to 80 % more efficient than traditional paper-based processing.
Shorter processing cycles, including payments of accounts receivable, and reduced risk of human error.

Additional services

E-invoice distribution to other banks or operators

Reports

In order to plan incoming cash flows according to submitted e-invoices, you can order additional reports which you can view and download via the Business Internet Bank or receive via the Swedbank Gateway channel:

about e-invoice applications sent by clients. A company should check at least once a month, whether there are new clients who want to receive e-invoices for the company’s services
e-invoice standing order agreements concluded by your customers in our bank
payments made by the bank payers according to e-invoice standing order agreements.

For more information please see here.

Customised e-invoices

Sending e-invoices to the bank

Sending e-invoices to the bank yourself via the Internet Bank or Swedbank Gateway

E-invoices can be sent to the bank via the Swedbank Business Internet Bank or using the Swedbank Gateway service. In this case your company needs to sign an agreement to enable this service and implement the Swedbank Gateway channel.

If you decide to send e-invoices yourself, your company will have to send e-invoices in an XML format data file to the bank. Read more.

Use an operator

Your company can choose to enter into an agreement for sending e-invoices with an operator who mediates the transfer of e-invoices to the bank. The service of mediating e-invoices is offered, for example, by Finbite OÜ and Unifiedpost (Fitek).

It is not mandatory to sign an e-invoice sending agreement with the bank if the company uses an operator; however, that agreement gives the company’s clients an opportunity to order and cancel e-invoices through the bank’s channel and the opportunity for the company to order reports concerning standing order agreements.

	Send e-invoices yourself		Use an operator
E-invoice sending channel
E-invoice sending channel	Internet Bank	Swedbank Gateway	Agreed with operator
E-invoice sending format
E-invoice sending format	XML	XML
E-invoice sending standard
E-invoice sending standard	1.11, 1.2 or 1.2EN	1.11, 1.2 or 1.2EN
File size
File size	Up to 10 MB	Up to approximately 30 MB
Number of e-invoices
Number of e-invoices	Up to 600	Unlimited

Useful information

Format

If you decide to send e-invoices yourself, your company will have to send e-invoices in an XML format data file to the bank.
The business software used by your company should enable the creation of XML format e-invoice files that comply with the Estonian e-invoice standard.
You can also use the option of compiling XML files online.
Please check our partners that support e-invoice generation in XML format.
In case you use the e-invoice operator service, then the format for e-invoice sending is agreed between your company and the operator. Please see our e-invoice service operators that could help your company.

Main rules

The company can send e-invoices only to those clients who have given the relevant permission.
With a view to ensuring the timely payment of e-invoices, your company should send the e-invoice 3 working days in advance, but no later than 2 calendar days before the payment date specified on the e-invoice.
If an e-invoice is sent to a client whose payment date has passed but the due date specified on the invoice is still ahead, the bank makes an automatic payment on the due date.
E-invoices can also be sent to clients who do not use the Internet Bank but still wish to pay using standing orders (e-invoices with limited information).
When concluding a standing order agreement, your customers choose the payment day from three possible options: 2 days after receipt, on the e-invoice due date or on a specific day of the month set by your company.
If the bank, when executing the payment according to an e-invoice standing order agreement, does not find the required amount of funds on the payment day selected by the customer, the bank will check your customer’s account on the same day + 2 days.
To cancel a submitted e-invoice, your company must send a credit e-invoice. The requirements for preparing a credit e-invoice are available in the technical standard. An e-invoice can be cancelled only in its entirety.

Terms and conditions

To start using the e-invoice sending service you need to:

Decide on an e-invoice sending format and channel – whether your company will send e-invoices yourself via the Swedbank Business Internet Bank, using Swedbank Gateway or through an operator. You can find out more in the tab “How to send e-invoices”.
Sign the e-invoice sending agreement. Your company needs to be a Swedbank customer.
You can start sending e-invoices to the bank after the e-invoice sending agreement is activated.

The agreement can be signed in the Internet Bank by a member of the board who has the right to sign agreements or who holds the sole right of representation according to the Commercial Register.

Alternatively, if you wish to add additional conditions to the agreement or hold joint rights of representation of the company, you can submit an application.

Servicing payment cards (for merchants)

Effective as of 01.03.2025

Commission fee on the transaction amount	as agreed
phone terminal transaction	0,99% + 0,02 €
smart terminal transaction	1.45%
Fee for a technical device Minimum rental period for terminal is 3 months. If the terminal rental is terminated before the minimum rental period, the Bank shall have the right to debit the early return fee of terminal.
rent of a payment terminal in month VAT will be added to the price.
stationary terminal VAT will be added to the price.	13 €
mobile terminal VAT will be added to the price.	19,50 €
stationary, mobile terminal VAT will be added to the price.	18 €
stationary terminal with bluetooth connection VAT will be added to the price.	18 €
cash register terminal VAT will be added to the price.	45 €
installation of terminal within 2 banking days VAT will be added to the price.	84 €
installation of terminal starting from agreement signing witin 5 banking days	free of charge
replacement of card payment terminal at the client’s request VAT will be added to the price.	21 €
penalty for failure to return payment terminal on time	cost of terminal according to certificate
Fee for amendment of payment card service contract	15 €
Early return fee of terminal	equal to the sum of rental fees still payable for that moment
Smart terminal purchase fee (Seller: Hansab AS) VAT will be added to the price.	140 €

Servicing card payments in e-commerce

E-commerce payments platform
Agreement fee	free of charge
Monthly fee	free of charge
Commission fee on the transaction	as agreed
Payment initiation fee	0,45% of the purchase price, minimum 0,10 €, maximum 0,95 € per transaction
Fee for amendment of agreement	15 €

Payment initiation

Agreement fee	free of charge
Fee for payment initiation from Swedbank and from other financial institutions	0,10 € per transaction
Amendments to the agreement	15 €
Authentication fee VAT will be added to the price.	0,11 €

Reports to be ordered - Shopper Profile Report

VAT will be added to the price.

Basic	105 €
Standard	625 €
Detailed	1300 €

E-invoice

E-invoice sending service VAT will be added to the price.
subscription via bank representative	30 €
subscription via internet-bank	free of charge
amendment	12,50 €
subscription to domestic e-invoice service The fee will be calculated for each e-invoice sending registration application sent to bank, who is member in cross-usage system.	8 €
The fee for sending a e-invoice (per invoice sent) VAT will be added to the price. The monthly fee for e-invoices sent through Swedbank Gateway or the Operator Channel is calculated based on e-invoices sent during the previous month.
intra-bank invoice	0,19 €
domestic invoice	0,35 €
e-invoice credit note	free of charge
Implementation of the company’s design template in the Swedbank Internet bank VAT will be added to the price.	120 €
Agreement about reports (based on e-invoice agreement) VAT will be added to the price.
e-invoice standing order agreements report fee	9,50€/month
e-invoice standing order agreements payments report fee	9,50€/month

E-invoice service operators that could help your company prepare and send e-invoices to the bank:

Finbite OÜ, Unifiedpost (Fitek)

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