Domestic payments

Domestic payment is a credit transfer of any currency from one’s account to the beneficiary’s account within Swedbank, AB, or money in EUR to the beneficiary’s account in a bank or payment services institution in Lithuania.

If the sender’s and the beneficiary’s accounts are opened with Swedbank, AB, the remittance in any currency will take place on the same day.
Instant transfer in EUR to other bank or payment services institution in Lithuania that has joined Instant payments scheme will be executed within several seconds at any time 24 hours per day 7 days per week.
An ordinary money transfer in EUR to a bank or payment services institution in Lithuania will be executed on the same workday, if the payment order is submitted before 4 PM. If payment orders are submitted after the time specified, payments will be executed on the next workday.
Urgent money transfer in EUR to a bank or payment services institution in Lithuania will be executed on the same workday, if a payment order is submitted before 4 PM. Payment order will be sent to the beneficiary’s bank immediately.
If the amount of a payment order is EUR 30000 (or the equivalent of this amount in any other currency) or more, the term for payment order execution may be extended on the bank’s initiative but shall not exceed the limits established in the Republic of Lithuania Law on Payments.

If transfer can be executed as instant it will be executed within several seconds at any time (24 hours per day 7 days per week). In other cases You will be able to choose to make it as ordinary or as urgent.

Instant transfer will be sent to the bank or payment services institution registered in Lithuania that has joined Instant payments scheme . If the transfer amount is less than EUR 15 000, order presented via Swedbank APP or Internet bank form New payment, double acceptance not needed and future value date not set.

Ordinary transfers in EUR to banks or payment services institutions registered in Lithuania are executed on the 5 times a day on workdays of the European clearing platform EBA.

Payments are not executed on Saturday, Sunday, Great Easter Friday, second Easter day, 1st of May, 25th and 26th of December and 1st of January.

During the workdays of clearing system, payments in EUR are executed as follows:

Time of payment order submission	Approximate time of money transfer in the clearing system*
07:00 – 09:45	11:15
09:45 – 12:15	13:45
12:15 – 14:45 val.	16:15
14:45 – 16:00	17:45
From 16:00 to 07:00 of the next business day	09:00

*The actual time of money being credited to a beneficiary’s account depends on the beneficiary’s bank or payment services institution and may be later than indicated in the table.

To submit a payment order in foreign currency to the banks or payment services institutions registered in Lithuania, you must complete an international payment form.

Money transfer in USD to banks or payment services institutions registered in Lithuania will be sent on the same bank workday if the payment order is submitted before 3 PM.

Money transfers in other foreign currency to banks registered in Lithuania will be sent within 1 bank workday if the payment order is submitted before 2 PM.

You can cancel payments (including standing orders) in the "List of payments" section of the Internet Bank. In the "List of payment" you will find payment orders that you submitted after the specified bank hours or on bank non-business days, if such payments were not sent from the bank.

Note: in certain cases (subject to technical possibilities) payment orders to transfer euros to another bank in Lithuania submitted on bank business days between 16:00 and 16:30 may be performed and reach the beneficiary's bank on the same bank business day.

If you do not find the payment you want to cancel in the "List of payments", then you need to send the message "Payment order cancellation" in the Internet Bank. In this case, the cancellation of the payment will be subject to a commission fee according to the applicable bank services and operations fees, regardless of whether the funds will be refunded.

If the payment was sent to another bank, we will contact the beneficiary’s bank with a request for a refund. The funds will be refunded only with the consent of the beneficiary.

Important

Please make sure to enter the right beneficiary’s account number & check it before confirming the payment to be sure that money goes to the right person or company.

If both the beneficiary and the remitter have accounts within Swedbank, AB, the match between beneficiary’s name and account number will be verified when executing the transfer.

If an obvious mismatch will be detected between the account number and account holder name, the bank will not proceed with the payment order.

If the sender’s account is in another bank or payment services institution, money will be credited to the beneficiary’s Swedbank account only according to the account number specified in the payment order. In this situation the bank does not verify, whether the account and beneficiary’s name match. For this reason, if an incorrect account number in IBAN format is provided, money may be credited to another client’s account regardless of the specified beneficiary’s name.

What to do in emergencies?

If you've lost your card or any data used in your Authentication tools or if you suspect that they‘re disclosed to other people, immediately call us at any time of the day or night. We will block your card or access to Internet Bank account immediately and no one else will be able to access money in your bank accounts.

For private clients: call 1884 (or +370 5 268 4444)
For business clients: call +370 5 268 4422

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 1884 / +370 5 268 4422 (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.

Secure your login data

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 & 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.

Closing browsing 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.

Address of the Internet Bank website

On the computer:

Address of the Internet Bank website

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

Swedbank certificate

On the smart device:

Swedbank certificate

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

Take a moment to familiarise with our security recommendations:

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 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.

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 latest software.
Set your browser to block pop-ups.

Check computer safety

More information on the ways to secure your device and to safely use other Internet services is available on the following websites:

https://www.esaugumas.lt/lt

Do not forget to follow safety measures when accessing internet bank via mobile devices:

Download applications only from trusted sources such as the App Store, Google Play or Windows Phone Apps – Microsoft store.
Do not jailbreak your mobile device to get around limitations set by your mobile network operator or device manufacturer. It will remove protections built into the device to defend against mobile threats.
Always screen lock your smart phone or any of your computers. If several levels of screen lock security are offered, always use the highest security level.
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.

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 Lithuanian 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 Lithuanian 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.lt/banklink. It 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 +370 5 268 4444 (for private clients) or +370 5 268 4422 (for business clients).

Suspicious SMS messages. Stay alert!

Fraudsters could impersonalize bank by sending fraudulent SMS under our name to obtain personal and Authentication mean data. These messages usually offer to click on an indicated link, to open an attachment or to call the indicated phone number in order to allegedly update, revise, check or activate your account in internet bank.
Never answer to a SMS message requesting you to submit confidential data. Never click on the links and do not open attachments from the unknown sender because this way you can activate a virus, or you will be redirected to a fraudulent website.
In case you are clicked on the link and were redirected to a website resembling our site, do not enter any requested data and contact us. Here you can find the information on how you can recognise the authentic website.
If you suspect that other persons have gained access to your login data, contact us immediately or call us on +370 5 268 4422.

Suspicious emails or calls. Be cautious!

If you receive a suspicious call or email from an alleged “bank employee” or “police officer” requesting you to disclose confidential login details – under no circumstances disclose such information. Do not trust this person only because he or she knows something about you. Fraudsters can have different scenarios to steal money (they request to update data; inform about suspicious bank transactions, etc.), yet they have one common feature – they request to disclose confidential internet bank login data or to enter the generated code of Authentication mean and transaction confirmation.
Neither bank employees nor representatives of law enforcement or other institutions contact residents requesting them to disclose their Internet Bank details (User ID, PIN codes, etc.) or initiate as well as confirm transactions not initiated by you. Therefore, stay alert and do not open suspicious emails. Make sure that you log in to the Internet Bank via the right website (https://www.swedbank.lt).

Here are some of the most common indicators that a phone call or email or SMS that you have received is most likely a scam or an attack:

Any message that communicates a tremendous sense of urgency. The criminals are trying to rush you into making a mistake.
Any message that pressures you into bypassing or ignoring our policies and procedures.
Any message that promotes possibilities to gain high profit. If it sounds too good to be true, it probably is.
Be very suspicious of any phone call or message that pretends to be an official or government organization urging you to take immediate action.

You have found the security flaw? Notify us!

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 at responsible-disclosure@swedbank.com. We prefer that you 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 in the Swedbank Principles of Processing Personal Data at www.swedbank.lt.

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

Key ID: 0x0AD6CCAF

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

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.

Note: If old versions of above mentioned web browsers are installed on your device or you are using Windows XP operating system, you will have no possibility to use our internet bank services.

Domestic payments