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Swedbank

Swedbank: Depends on the activity: Crypto. Last verified October 17, 2026.

Licensee
Swedbank AS · credit institution licensed by Finantsinspektsioon, the Estonian Financial Supervision and Resolution Authority (licence EP-13 PO), supervised by the European Central Bank
Regulator
Finantsinspektsioon (Estonia) / European Central Bank ·

Where it takes companies from

  • United Kingdom
  • EU / EEA (western & northern, plus Spain, Italy, Portugal)
  • EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
  • Switzerland / Liechtenstein
  • United Arab Emirates
  • United States
  • Developed Asia-Pacific
  • CIS / Central Asia / Caucasus
  • Latin America
  • Middle East & North Africa
  • Africa
  • Jersey, Guernsey, Isle of Man, Gibraltar
  • Other offshore centres
  • Other

The regions its own documents name, read on October 16, 2026

Products it publishes

International payments and FXSays it offers this

Urgent payments can be made in the following currencies: AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, PLN, RON, RUB, SEK, SGD, TRY, USD, ZAR.

Swedbank · International payments and FX · Offers it · · Source

Exchange between two foreign currencies is calculated using rates against EUR.

Swedbank · International payments and FX · Offers it · · Source
Company cardsSays it offers this

Suitable for all types of business purchases, including over the internet and enable your employees to use the funds in the company's account.

Swedbank · Company cards · Offers it · · Source

There is an interest-free period of up to 30 days (from the purchase until the payment date) when paying by card.

Swedbank · Company cards · Offers it · · Source
Accepting card paymentsSays it offers this

Choose a suitable terminal or accept card payments even on your smart device.

Swedbank · Accepting card payments · Offers it · · Source

Card payments from all over the world, including Apple Pay, Google Pay and Click to Pay.

Swedbank · Accepting card payments · Offers it · · Source

Every provider that says it offers this

Bulk payoutsSays it offers this

Mass payments made via the Internet bank are made pursuant to the usual intra-bank or domestic payment execution terms.

Swedbank · Bulk payouts · Offers it · · Source

Swedbank Gateway lets you use banking services directly in your company’s business software.

Swedbank · Bulk payouts · Offers it · · Source

Every provider that says it offers this

Does not say it offers: Virtual accounts for your customers, Crypto on- and off-ramp, Safeguarding account, Client money account, Escrow

As its own pages say it, each quote with the date we read it. A product it does not mention is never shown as one it does not offer.

Currencies it holds

Holds EURaccount details of its own on the local payment system

Payments in euros are transferred to the beneficiary's account on the settlement day of receipt of the money

Swedbank · EUR · · SourceThis quote speaks to: account details
Holds CHFa balance

Account balance exceeding 100 000 CHF

Swedbank · CHF · · SourceThis quote speaks to: a balance

Does not say it holds: CAD, SGD, HKD, AUD

Only currencies its own pages name, each quote with the date we read it. A currency it does not mention is never shown as one it does not hold.

Policy by industry

Swedbank: published policy by industry
IndustryStatusChecked
CryptoDepends on the activity
iGamingNo
Unlicensed financial servicesNo

No published rule (read in full on October 16, 2026): Adult, AI and SaaS, Forex and CFD, Marketplace

Has this rule changed? Tell us

Alternatives to Swedbank

Fees

Swedbank: published fees
PlanAccount openingMonthlyChecked
New company, first yearFree ('Opening an account free of charge')EUR 0 for the first year ('Monthly account fee 0€') · Source
Estonian legal person with non-residents as representatives or ownersEUR 300 enhanced due diligence fee, paid before the decision and not refunded if refused ('Estonian legal persons with non-residents included as representatives or in the ownership structure')EUR 50 a month servicing fee ('Monthly fee for servicing a client') when an owner holds an identity document from Cyprus, Liechtenstein or outside the EEA and is not an Estonian resident · Source
Legal person from the EEA (excl. Estonia, Cyprus, Liechtenstein)EUR 300 enhanced due diligence fee, paid before the decision and not refunded if refused ('Legal persons from European Economic Area')Not published as a fixed fee (the EUR 50 servicing fee applies when owners or the field of activity call for it) · Source
Legal person registered in Cyprus or LiechtensteinEUR 300 enhanced due diligence fee, paid before the decision and not refunded if refused ('Legal persons from European Economic Area')EUR 50 a month servicing fee ('Monthly fee for servicing a client') · Source
Legal person from outside the EEAEUR 500 enhanced due diligence fee, paid before the decision and not refunded if refused ('Legal persons from other states')EUR 50 a month servicing fee ('Monthly fee for servicing a client') · Source

Fees of every provider

Closing an account

9.1. The Bank may unilaterally terminate the Agreement immediately for good cause (extraordinary termination). The Bank may terminate the Agreement ordinarily and/or extraordinarily by notice of cancellation on the terms and conditions set out in the Agreement, unless such notice of cancellation is restricted by applicable legislation.

Notice before closing · · Source

10.2.6. If the Parties fail to reach an agreement, the Client shall be entitled to have recourse to extrajudicial institutions indicated in the Procedure for Handling Client's Complaints in order to have the dispute settled and/or request an impartial second opinion.

Complaints and where to go next · · Source

Account closed or frozen? What Swedbank’s terms say

Rules about countries

The Bank shall only refuse to conclude an Agreement (incl. Current Account Agreement) with good reason, which first and foremost constitutes an Agreement where a person or a Related Person: … 3.4.10. comes from a country that has insufficient levels for preventing corruption / money laundering / terrorism financing and/or is a resident of a low tax rate country or territory (the so-called offshore region) or has a legal entity registered in the offshore region within its structure and/or partners;

Swedbank · Refuses companies registered in · · Source

Other offshore centres

What we read

Acceptable use and prohibited activities
Read · swedbank.ee/static/pdf/private/home/imp…