Swedbank AS

Swedbank AS is a Baltic universal bank operating as a subsidiary of Swedbank AB (publ), the Swedish banking group listed on Nasdaq Stockholm. It offers retail and corporate banking services including current and savings accounts, domestic and SEPA payments, international transfers via SWIFT, debit and credit cards, consumer loans, mortgages commonly referenced to EURIBOR, term deposits, investment and pension products, and cash management for businesses. Digital channels include internet banking and a mobile app with strong customer authentication under PSD2 and open banking APIs for licensed third-party providers; remote onboarding may be available to eligible residents subject to identity and document checks. Branch and ATM coverage focuses on major urban areas, with a continuing shift toward digital self-service and streamlined cash handling. Accounts are generally euro-denominated; foreign currency services and FX conversions are available with fees and exchange-rate markups. Pricing typically uses package-based account plans with monthly maintenance charges, card issuance and renewal fees, ATM withdrawal limits and charges, and separate tariffs for international transfers and foreign exchange; business pricing differs from retail. Eligibility and documentation requirements follow EU KYC/AML rules, and account opening for non-residents can be restricted or require enhanced due diligence. Deposits are covered by the applicable national deposit guarantee scheme up to EUR 100,000 per depositor under EU rules; investment products are not covered and carry market risk. The bank is regulated by the competent financial supervisory authority in its country of incorporation and is subject to EU banking legislation. Swedbank’s Baltic operations have implemented remediation programs after past regulatory findings related to anti-money-laundering controls. Customer support is available via phone, secure messaging, and branches; service availability and processing times depend on channel and location. Prospective customers should review the latest schedules of fees, interest rates, and terms before applying.