E-invoice and automated payments

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E-invoices – a smart and simple way to manage your everyday bills

User-friendly: All your invoices in one place – Internet Bank.
Free of charge: Payments made on the basis of a standing order agreement are free of charge.
Effective: You can import e-invoices to your accounting system.
Be informed: Get notifications about e-invoice status.
Environmentally friendly: E-invoices completely replace paper ones.

Order an e-invoice

Manage your bills easier

E-invoice is an invoice that is sent, received and processed electronically instead of the paper invoice.

E-invoices are convenient and quick to manage recurring payments, i.e. bills for internet or mobile services, utilities, insurance premiums and others.
Good overview of e-invoices and their statuses. You can view, print, save or archive your e-invoices and check their payment status.
Regular e-invoices are stored for 18 months in your Internet Bank from the day of receipt.

How does it work?

You can order e-invoices in the Internet Bank. Choose if you want them to be paid automatically.
Service provider will deliver the e-invoice to your Internet Bank.
You can pay e-invoices by making ordinary payment. If you have ordered E-invoices standing order your invoices will be paid automatically.

Order an e-invoice only	If you would like to pay your e-invoices manually, you can order e-invoices without an e-invoice standing order.	Order
Order an e-invoice and e-invoices standing order	If you would like your e-invoices to be paid automatically, order e-invoice standing order at the same time as you order the e-invoice.	Order
Order e-invoices standing order only	You can order e-invoice standing order for received e-invoices.	Received e-invoices E-invoices archive

You can also order e-invoices by calling us at 613 2222, at your nearest Swedbank branch or at the office of service provider.

E-invoices can be ordered and revoked in the business customer Internet Bank. Also e-invoice standing orders can be concluded, amended and closed by users with the profile rights 'Info and Payments' or higher.

You can pay received e-invoices by making ordinary payments or e-invoice standing orders.

E-invoice standing orders

E-invoice standing orders agreement for e-invoices allows you to:

Set the maximum monthly amount allowed for debiting.
Choose the e-invoice payment day – 2 days after receiving the e-invoice, on the e-invoice due date,or on a special day of month. E-invoice due date is set by the Service provider.
Enable a partial payment of the e-invoice. It allows covering a certain part of the e-invoice received if you’ll happen to have insufficient funds at the moment.

Ordinary e-invoice payments

You can pay e-invoices manually in the Internet bank. Your payment details will be pre-filled automatically from the received e-invoice.

You can pay e-invoices manually in the Internet bank.
Your payment details will be pre-filled automatically from the received e-invoice.

Bank transfers

Effective as of 29.01.2025

Outgoing payments	Digital channels	Branches and via Customer Support
Outgoing paymentsDigital channelsBranches and via Customer Support Intra-bank payment
Outgoing payments Up to 1,000 intra-bank payments in euros per month 1,000 free payments per month are calculated by aggregating intrabank, domestic, European, and Swedbank Group payments in euros (including standing orders, except for e-invoice standing orders and intra-bank payments between own accounts). Separate price list applies for credit institutions, providers of credit, payment and e-money institutions (attached).	Digital channels free of charge	Branches and via Customer Support 5 €
Outgoing payments From the 1,001st payment per month	Digital channels 0.16 €	Branches and via Customer Support 5 €
Outgoing payments Intra-bank payment in foreign currency	Digital channels 2 €	Branches and via Customer Support 5 €
Outgoing payments Intra-bank payment in between client`s accounts	Digital channels free of charge	Branches and via Customer Support 5 €
Outgoing paymentsDigital channelsBranches and via Customer Support Domestic payment (incl. instant payment) and European payment Instant payment can be sent via Internet bank or mobile app Swedbank Eestis if payment amount does not exceed 15 000 € (incl.). Terms and conditions of a European payment: the payment currency is the euro; the correct IBAN is indicated in the payment; the service fee type is ‘shared’; the beneficiary of the payment and the remitter’s bank are located in a country of the European Union and/or the European Economic Area (plus Andorra, Gibraltar, Mayotte, Monaco, Switzerland, San Marino, Saint-Martin, Saint-Barthelemy, Saint-Pierre and Miquelon, the Vatican City, and the United Kingdom (including Guernsey, the Isle of Man, Jersey). International payment fee is applied when the beneficiary’s IBAN is not indicated in the payment.
Outgoing payments Up to 1,000 domestic payments (incl. instant payments) and European payments per month 1,000 free payments per month are calculated by aggregating intrabank, domestic, European, and Swedbank Group payments in euros (including standing orders, except for e-invoice standing orders and intra-bank payments between own accounts). Separate price list applies for credit institutions, providers of credit, payment and e-money institutions (attached).	Digital channels free of charge	Branches and via Customer Support 5 €
Outgoing payments From the 1,001st payment per month	Digital channels 0.38 €	Branches and via Customer Support 5 €
Outgoing paymentsDigital channelsBranches and via Customer Support Domestic urgent payment and European urgent payment National or European urgent payments entered before 16.30 on a business day will be transferred in real time via the pan-European TARGET system. A payment order made at any other time will be forwarded to the bank of the beneficiary of the payment on the next business day.
Outgoing payments Up to 10 000 € (incl.)	Digital channels 7 €	Branches and via Customer Support 9 €
Outgoing payments Over 10 000 €	Digital channels 30 €	Branches and via Customer Support 32 €
Outgoing paymentsDigital channelsBranches and via Customer Support Payment within Swedbank Group Payments to Swedbank (Latvia, Lithuania, Sweden, Norway) reach the beneficiary's account in the full amount. The beneficiary’s IBAN must be specified.
Outgoing payments Up to 1,000 payments within Swedbank Group in euros per month 1,000 free payments per month are calculated by aggregating intrabank, domestic, European, and Swedbank Group payments in euros (including standing orders, except for e-invoice standing orders and intra-bank payments between own accounts). Separate price list applies for credit institutions, providers of credit, payment and e-money institutions (attached).	Digital channels free of charge	Branches and via Customer Support 5 €
Outgoing payments From the 1,001st payment per month	Digital channels 0.38 €	Branches and via Customer Support 5 €
Outgoing payments Within Swedbank Group in foreign currency	Digital channels 2 €	Branches and via Customer Support 5 €
Outgoing paymentsDigital channelsBranches and via Customer Support International payment
Outgoing paymentsDigital channelsBranches and via Customer Support An ordinary payment
Outgoing payments Charges are shared The remitter pays the service fee of Swedbank and the beneficiary pays the service fees of all other banks.	Digital channels 6 €	Branches and via Customer Support 20 €
Outgoing payments Charges paid by remitter The remitter pays the service fees of Swedbank and foreign banks. If the beneficiary's bank's service fee exceeds the amount paid by the remitter for the beneficiary, the current account of the remitter shall be automatically debited with the corresponding difference of service fees. Additionally debited service fee can be 63.91€ at most. This type of payment orders are no longer performed if the payment recipient’s bank is situated in the European Union or the European Economic Area.	Digital channels 25 €	Branches and via Customer Support 35 €
Outgoing paymentsDigital channelsBranches and via Customer Support An urgent payment Urgent payments can be made in the following currencies: AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, PLN, RON, RUB, SEK, SGD, TRY, USD, ZAR.
Outgoing payments Charges are shared The remitter pays the service fee of Swedbank and the beneficiary pays the service fees of all other banks.	Digital channels 10 €	Branches and via Customer Support 30 €
Outgoing payments Charges paid by remitter The remitter pays the service fees of Swedbank and foreign banks. If the beneficiary's bank's service fee exceeds the amount paid by the remitter for the beneficiary, the current account of the remitter shall be automatically debited with the corresponding difference of service fees. Additionally debited service fee can be 63.91€ at most. This type of payment orders are no longer performed if the payment recipient’s bank is situated in the European Union or the European Economic Area.	Digital channels 30 €	Branches and via Customer Support 45 €
Outgoing paymentsDigital channelsBranches and via Customer Support An express payment EUR/USD
Outgoing payments Charges are shared The remitter pays the service fee of Swedbank and the beneficiary pays the service fees of all other banks. If an express payment is European payment then fee for the payment is according to an European urgent payment.	Digital channels 35 €	Branches and via Customer Support 40 €
Outgoing payments Charges paid by remitter The remitter pays the service fees of Swedbank and foreign banks. If the beneficiary's bank's service fee exceeds the amount paid by the remitter for the beneficiary, the current account of the remitter shall be automatically debited with the corresponding difference of service fees. Additionally debited service fee can be 63.91€ at most. This type of payment orders are no longer performed if the payment recipient’s bank is situated in the European Union or the European Economic Area.	Digital channels 45 €	Branches and via Customer Support 55 €

Incoming payment	Fee
Incoming payment Intra-bank payment, domestic payment (incl instant payment, European payment, payment within Swedbank Group) Separate price list applies for credit institutions, providers of credit, payment and e-money institutions (attached).	Fee free of charge
Incoming paymentFee International payment
Incoming payment Charges are shared	Fee 6 €
Incoming payment Charges paid by remitter	Fee free of charge
Incoming payment Money request The fee for a payment received through a money request link/QR-code is automatically debited once a month (for the previous month) from the account from which the first money request was initiated.	Fee €0.09/receipt

Other payment services	Digital channels	Branches and via Customer Support
Other payment servicesDigital channelsBranches and via Customer Support Domestic and international standing order
Other payment services Setting up, changing, cancelling	Digital channels free of charge	Branches and via Customer Support free of charge
Other payment services Execution of a standing order	Digital channels according to outgoing payment price in digital channel (free of charge if to savings deposit)	Branches and via Customer Support
Other payment servicesDigital channelsBranches and via Customer Support E-invoice and E-invoice standing order
Other payment services Setting up, changing, cancelling	Digital channels free of charge	Branches and via Customer Support free of charge
Other payment services One-time payment of an E-invoice	Digital channels according to outgoing payment price in digital channel	Branches and via Customer Support according to outgoing payment price in branch and via Customer Support
Other payment services Execution of an E-invoice standing order	Digital channels free of charge	Branches and via Customer Support

Other payment related services	Fee
Other payment related servicesFee Cancellation, correction, and retrieval of intrabank, domestic, and instant payment The bank will not refund the service fee if the payment transaction cannot be cancelled/corrected/retrieved.
Other payment related services Payment order not sent out of the bank The price does not apply to payments with future value date if the payment is cancelled before the arrival of the payment date.	Fee 3.20 €
Other payment related services Payment order sent out of the bank	Fee 10 €
Other payment related servicesFee Cancellation, correction, and retrieval of a foreign, Swedbank intragroup, and cross-border European payment The bank will not refund the service fee if the payment transaction cannot be cancelled/corrected/retrieved.
Other payment related services Payment order not sent out of the bank or sent out of the bank The price does not apply to payments with future value date if the payment is cancelled before the arrival of the payment date.	Fee 20 € + costs of foreign banks
Other payment related services Add inquiries about a foreign payment from a foreign bank	Fee foreign bank charges
Other payment related servicesFee Copy of the SWIFT/SEPA message
Other payment related services One-time order	Fee 10 €/pcs
Other payment related services From digital channels	Fee free of charge

Related documents

What to do if you did not receive your e-invoice?

Check if the bank account you‘ve placed when ordering an e-invoice is active. If it‘s closed, You‘ll have to fill in a new application for an e-invoice and indicate your active bank account in it.
Check the type of e-invoice application given. It should be marked as „Order“. If it‘s marked as „Termination“, you‘ll have to fill in a new e-invoice application.
Make sure if you are the actual recipient of the service you want to pay for, i.e., do you have the contract or agreement in your name. If not, you won‘t receive the e-invoice. Application must be filled in by the actual recipient of the services.
If you ordered the e-invoice successfully, but haven‘t received it anyways, please contact the service provider directly.

What to do if your e-invoice wasn‘t payed automatically?

Check if you‘ve received the e-invoice itself. If it‘s missing – please, contact your service provider.
Check if the e-invoice standing order agreement is valid. If it expired, please conclude a new one here.
Make sure that you’ve really ordered E-invoice standing order for your e-invoice.If not, you can order it here. Have in mind, that all e-invoices that you’ve received before concluding the E-invoice standing order agreement must still be payed manually.
Check the amount stated in the received e-invoice. If it exceeded the maximum monthly amount set in the automated payment agreement, the payment couldn‘t be done. In this case you should pay the e-invoice manually. It would be better for you to increase the maximum limit of your E-invoice standing order agreement in the future. You can do it in the internet bank here. Bear in mind, that it’s safer to set a maximum month limit a bit bigger than your usual e-invoice amount – it will be helpful for i.e., when the first e-invoice might be for covering two months of magazine subscription etc.
Check your bank account balance – maybe the funds were insufficient on the day of the payment. In this case the bank is trying to perform automated transaction for 2 more days. If you‘ll get sufficient funds during those 2 days, your e-invoice might be payed partially (if you’ve selected this option when ordering it) if you happen to have at least 50% of the e-invoice amount. If the funds will be insufficient to pay 50%, you‘ll have to pay the e-invoice manually later as it will be marked under status „Unpaid“.
Have you ordered e-invoices to be sent to your service provider*? In such a case, e-invoices are not delivered to the bank and the standing order does not work. In order to pay an e-invoice automatically, order a limited information e-invoice from our Internet Bank after signing up with a n e-invoice service provider.

*Except Fitek AS

Which e-invoice operations are available depending on the internet bank business user profile?

In order to perform operations related with e-invoices in internet bank for business a customer should have a granted user profile for the bank account that is used as e-invoice delivery address or payment account:

	Business internet bank user profiles
Operation	Preparation of payments	Information	Information and payments	All services	Agreement signing
Submitting an application for receiving e-invoice
Opening a received e-invoice
Manual payment of a received e-invoice with the "Pay" button
Termination of receiving e-invoices
Signing of e-invoice automated payment agreement
Termination of e-invoice automated payment agreement

How to opt out of receiving e-invoices, how to disable E-invoice standing orders agreements?

You can terminate e-invoices receiving by logging in to Internet bank, in the section “Applications and agreements”, by phone 613 2222 or at your nearest Swedbank branch or at Service provider’s office.
You can disable automated payments by terminating E-invoice standing order agreement for a particular e-invoice. You can do it when logged in to your Internet bank here, by phone 613 2222 or at your nearest Swedbank branch.

What to do if you want to change or terminate e-invoice receiving but in internet bank you cannot find your e-invoice issuer?

E-invoice sending service

E-invoice submission at maximum speed!

Swedbank Gateway

Receive e-invoices directly to your accounting software.

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E-invoice and automated payments

E-invoices – a smart and simple way to manage your everyday bills

Manage your bills easier

How does it work?

Order an e-invoice only

Order an e-invoice and e-invoices standing order

Order e-invoices standing order only

E-invoice standing orders

Ordinary e-invoice payments

Related documents

E-invoice sending service

Swedbank Gateway

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