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About

Payment to other Swedbank account in Estonia

Payment can be executed in euros and in foreign currencies.
Beneficiary will receive money in few seconds 24/7.

How to pay

You can initiate a payment via Internet Bank, mobile app, Swedbank Gateway or branches.

Required payment data

Beneficiary name, surname, or company's name
Beneficiary account number in IBAN format
Payment description or reference number

Check all the relevant payment data before making the payment. Payment is transferred immediately and therefore the annulment process is not always possible.

Good to know

Payment with future date

If you need to transfer money sometime in the future, you can prepare a payment order for up to a year in advance. Payment will be executed if there will be enough money on account on the payment date.

Defined payments

You can add your frequent payments to defined payments. Defined payments is in the alphabetical order. Defined payments are not executed automatically, you can initiate defined payments in Internet Bank or mobile app. If you would prefer make payments automatically, you can apply for standing order.

About

Payment in euros

Payment in euros to another bank in Estonia can be executed as instant payment.
The payment currency is EUR.
The correct IBAN of the beneficiary is indicated on the payment.
The service fee type is shared costs (SHA).
If a domestic payment cannot be made as an instant payment, then a domestic payment made before 4:30 pm in an electronic channel and an European payment before 4:00 pm (in branch or via Customer Support before 4:00 pm), will be received by beneficiary's bank on the same business day.

How to pay

You can initiate a payment via Internet Bank, mobile app, Swedbank Gateway or branches.

If the recipient’s bank in Estonia has joined the instant payments settlement system, payment in euros will be always executed as instant payment:

Instant payments generally reach the recipient in a few seconds 24/7.
The maximum outgoing payment amount is 15,000 EUR.
Instant payment can be initiate in Internet Bank or mobile app.
The list of banks participating in the instant payment system (RT1 and TIPS) on the official website of the Eba Clearing and the European Central Bank.

Foreign currency payment to other Estonian banks can only be made with international payment order. You must also keep in mind that you will be charged the international payment fee for such payments.

Good to know

Ordinary and urgent payment

If instant payment is not available, you will be able to choose to process domestic payment as ordinary or as urgent:

ordinary payments are settled five times a working day, excluding weekends and public holidays;
in case option urgent higher fee will be applied. If urgent payment order, given until 4:00 p. m. on settlement day (excluding weekends and public holidays), transfer will be sent immediately through Target 2. However, the time when money will be credited to other bank’s account depends on beneficiary’s bank.

International Bank Account Number (IBAN) is the international standardised format of your account number. Using the correct IBAN on the payment order guarantees that money moves faster and you save on costs.

European payment

Single Euro Payments Area or SEPA allows you to make payments in euros anywhere in the euro zone on the same terms and conditions.
You can initiate a n European payment if the beneficiary‘s bank is in a member state of the European Union and/or the European Economic Area (or Andorra, Gibraltar, Mayotte, Monaco, San Marino, Saint Martin (French part), Saint Barthélemy, Saint Pierre and Miquelon, Switzerland, United Kingdom (including British isles: Guernsey, Jersey, Isle of Man) and Vatican City State).

Terms and Conditions for Making Payment Transactions

ISO description for payments and examples, Version 1.12

XSD validation for payment file structure, (for Version 1.12)

ISO description for payments, Version 2.1

ISO payment examples (for Version 2.1)

XSD validation for payment file structure (for Version 2.1)

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

How to log in securely?

You shouldn’t confirm transactions or logins to Internet Bank or app, which are not initiated by you under no circumstances.
You shouldn’t ever disclose your personal data or data used for login to Internet Bank and app to other persons, including family members, friends or bank employees, unless you are calling to the bank.
Do not write down, send by e-mail, SMS, etc. or otherwise save any confidential codes and passwords to unlock the screen of your computer or mobile phone. Create complex passwords, that are difficult to guess, memorise them and change them regularly. When creating PIN codes, be sure to make PIN codes in random number combination. Do not use combinations, such as 1111, 1234, dates of birth other personal details etc.
Remember that your User ID number is as important as your personal code, thus pay a great deal of attention to its security.
Keep in mind that after login you will have access to many services including external ones which do not require additional authentication.

What to do if your Internet Bank account has been blocked by us?

We will also automatically block access to Internet Bank if incorrect login data (User ID or code from the PIN code generator) is entered 5 times in a row.

You can unblock it by calling us at 6132222 / 6310310 (from 8:00 to 20:00 on working days, and from 9:00 to 16:00 on Saturdays). In case of a repeated block, you will have to visit the bank’s branch. You should book a visit in advance. Have you discovered any unauthorised transactions on your account performed prior to the blocking of Internet Bank access? Review your account statement and submit the information to us.

How to close Internet Bank login session?

The login session is terminated when no activity happens for 5 minutes. You will be asked to re-enter your login details. Time limits are used for security reasons, to prevent Internet Bank access if a user forgets to log off from his/her account after finishing using the Internet Bank.

Once you finish Internet Bank session, log off (by clicking 'Logoff') and close the browser.

How to check that Internet Bank has the correct URL address?

On the computer:

By clicking on the lock sign you should see the correct Swedbank certificate:

On the smart device:

Before entering your login data, make sure that the website domain is “swedbank.ee”.

How to protect your device?

When accessing Internet Bank via a laptop or stationary computer, follow these safety measures:

Install antivirus software and configure it to automatic update of the virus definitions database (at least one auto-update per day).
Install the local firewall. It should be configured so that it prevents connections from the Internet to your computer.
Use the latest browser and operating system available.
Turn on automatic updates for all software. If it cannot be updated automatically, regularly check on its ESTest software.
Set your browser to block pop-ups.

How do I check computer safety?

Make sure you are using antivirus software that automatically updates the threat library at least once a day.
Use a firewall that prevents logging in to your computer remotely.
Make sure your Operating System and browser are up-to-date.
Turn on automatic updates for your software. If automatic updates are not possible you should check for updates on a regular basis.
Set your browser to block pop-ups.
More information on the ways to secure your device and to safely use other Internet services is available on the following websites:

https://www.ria.ee/en.html

How to use Internet Bank and Swedbank app securely?

Download applications only from trusted sources such as the App Store, Google Play or Windows Phone Apps – Microsoft store.
Do not allow other persons to use your phone or tablet were Swedbank App is installed.
Do not reveal the screen lock codes to other persons and do not allow to unlock your phone with other persons’ biometric data.
Use antivirus software.
Always adhere to the requirements or security alerts of the manufacturer of your phone device.

What are safe browsers?

We encourage you to update your browser and operating system version as soon as update is released. These updates can be set up automatically for better security and experience in our digital channels. We officially support these browser versions:

Google Chrome 88 and later;
Microsoft Edge 88 and later;
Mozilla Firefox 89 and later;
Safari 15 and later.

What else should you know about security?

Do not share your personal authentication means. If you want to give your family members or your employees rights to manage funds on your accounts, please, request the Bank to grant them respective rights. They will be able to use company’s accounts on behalf of their own and by using their own personal authentication means. You can revoke these rights at any time. It is also possible to order a supplementary card linked to your account for a family member to use. Sharing the same authentication mean between the employees or family members is strictly forbidden.
Remember, that security of all your data (User ID, PIN codes, mobile phone number provided to the bank, personal number, etc.) is the key for protecting an access to your money.
If you’re using a public computer, avoid entering personal information as there might be malware that records your details.
Do not keep User ID number together with authentication means and their confidential codes.
Never send authentication data by email.
Never disclose your login information, unless you are initiating the call with the bank. No one has the right to request you to provide your personal number and authentication mean by phone. If you receive a call from a person stating he is an employee of the bank, end the conversation immediately.
Your Smart-ID or PIN code generator PINs should not coincide with any part of your phone number or the sequence of numbers.
Always compare control number and read “see what you sign” if available.
By entering PIN2 of Smart-ID you are usually confirming a payment or an agreement. Be extra careful when doing it.
You will get an SMS when new Smart ID account is created. Contact bank immediately if it wasn’t you who created Smart ID.

How to shop online safely?

When shopping online, be prudent with your personal and financial data. Properly assess the threats, which you may encounter on the internet. We recommend to ensure protection of personal devices and always follow these safety tips:

Shop in reliable shops only. It is always safe to buy goods and services in well-known Estonian and foreign e-shops with a good reputation. Take a critical approach to unknown sellers and try to find out more information about their activity. Study public internet feedback about a specific online shop. Find out whether the website presents detailed contact data of its administrator (address, phone, email, etc.), and make sure it does not contain various errors in their links (additional words or letters, strange symbols), popup windows, advertisings, a great number of links instead of informative content.
Be cautious about discounts. You have found a high-quality product offered at a particularly low price? Before making a payment order, be sure that the company that offers the product really exists and is trustworthy. Be careful about advertisements in social networks. They may lead you to a fake online shop.
Safe shopping by card. When shopping in foreign e-shops, the most common way of payment is by card. In this case you will have to indicate the details of your payment card. If an online shop participates in international security programmes, special logos such as “MasterCard SecureCode”, and “Verified by Visa” for Visa cards are used in this shop. You may be redirected to Internet Bank to confirm payment transaction by logging in. Learn more about “Safe online shopping” programme here. Before making payment in online shop, please evaluate safety of such online shop and study public internet feedback about its activity.
Safe payment via electronic banking system. When shopping in Estonian online shops, usually you will be redirected to Swedbank Internet Bank account. You will recognise it from the Swedbank logo and Internet Bank address: https://www.swedbank.ee/banklink confirms that payment is made directly through the bank system. After you enter your login details, the website will automatically display the generated payment form.
Third party providers. As of 14/09/2019, when you shop online, you might be offered to use payment initiation service, offered by payment institution (PISP), other than the bank, to pay for goods or services. If you choose to initiate payment from your account, kept with the bank, you might be asked to fill in the payment order form in the PISP’s environment, and give your consent to transfer data, necessary for performance of payment transaction, and later to confirm payment order with the Swedbank Internet Bank authentication mean. If you have noticed any transaction in the account statement, not authorised by you, inform us immediately by calling 6132222 (for business clients) or 6310310 (for private clients).

What to do if you see a security breach?

It is important for us at Swedbank that our customers can feel safe and secure when managing their monetary affairs with our electronic channels. Therefore, we seek to ensure the highest security level in IT systems. Despite this, an error may slip by. If you have found a security flaw, we would like to hear more about it to be able to correct the problem as soon as possible.

How do you report?

Send an email to us in your local language at responsible-disclosure@swedbank.com. Optionally, you can use our public PGP key to protect the information you send over. Make sure to have included the following information:

Detailed description of the vulnerability containing such info as URL and type of vulnerability;
The necessary information that we need in order to reproduce the problem;
If applicable, a screenshot of the vulnerability you have found;
Contact information, name and surname, email, phone number, and your public PGP key (if you have one).

This personal data submitted by you will be processed by Swedbank in order to inform you about the analysis of IT security flaws noticed by you and their correction, and, if necessary, to contact you regarding the revision of the information submitted by you. More information about Swedbank’s data processing procedure is available here.

What can you report?

You can report security flaws that you have found in any of our services. Examples of security flaws are cross-site scripting, flaws in encryption or flaws with security implications in logic controls. The reporting service is not designated for other logical errors, errors in texts, questions about our services, questions about the security of our services or similar.

What can you expect from Swedbank?

We will confirm that we have received your description, continuously keep you updated while we process the issue, and inform you when the issue is fixed. Claims for compensation as a condition for sending in a vulnerability are not accepted.

What is required from you?

It is important for both us and our clients that you follow good practice, i.e. that:

You do not use the vulnerability to access or attempt to access information that does not belong to you;
You do not use the vulnerability to remove or modify information;
You do not affect the availability of our services;
You give us an opportunity to fix the reported vulnerability before going public with it.

Can you file a report anonymously?

Yes, but then we cannot respond back and keep you updated on the status.

PGP key

Use this PGP key if you want to send us an encrypted e-mail. But using it is not required.

Key ID: 0x0AD6CCAF

Control code: 2D14 4030 6D4B 68C3 F286 3AC6 333B E8E4 0AD6 CCAF

Not a customer yet?

New payment

Intrabank and domestic payments from one place

About

Payment to other Swedbank account in Estonia

How to pay

Required payment data

Good to know

Payment with future date

Defined payments

About

Payment in euros

How to pay

Good to know

Ordinary and urgent payment

European payment

How to log in securely?

What to do if your Internet Bank account has been blocked by us?

How to close Internet Bank login session?

How to check that Internet Bank has the correct URL address?

How to protect your device?

How do I check computer safety?

How to use Internet Bank and Swedbank app securely?

How to shop online safely?

What to do if you see a security breach?

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