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If you use new type of PIN-calculator, make sure that during authorization you enter APPLI 1 code. If also your spouse or colleagues use PIN-calculator, make sure that you use the right one.
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If you do not remember the permanent password, You can order new one by calling to Consultation Centre 1884, +370 5 268 4444 or by visiting any Swedbank branch. When calling to Consultation centre, please prepare User ID and code card. Please take your passport or ID card with you, when visiting our branch.
Try other more convenient tool for accessing your Internet and mobile bank - Smart-ID, ID card or Mobile-ID.
Money laundering means actions aimed at legalising or disguising the origin of money or other property obtained by criminal (illegal) means.
Definitions of money laundering and terrorist financing from the Republic of Lithuania Law on the Prevention of Money Laundering and Terrorist Financing:
1) conversion or transfer of the legal status of property, knowing that such property is derived from criminal activity or from an act of participation in such activity, for the purpose of concealing or disguising the illicit origin of the property or of assisting any person who is involved in the commission of such activity to evade the legal consequences of his action;
2) the concealment or disguise of the true origin, source, location, disposition, movement, rights with respect to, or ownership of property, knowing that such property is derived from criminal activity or from an act of participation in such activity;
3) the acquisition, possession or use of property, knowing, at the time of receipt, that such property was derived from criminal activity or from an act of participation in such activity;
4) preparation, attempts to commit and association to commit any of the acts referred to in points 1, 2 and 3 of this paragraph.
Terrorist financing means any act which constitutes an offence within the meaning of Article 2 of the International Convention for the Suppression of the Financing of Terrorism of 9 December 1999.
Prevention of money laundering and terrorist financing means the implementation of relevant measures with a view to preventing money laundering and terrorist financing.
The Republic of Lithuania Law on the Prevention of Money Laundering and Terrorist Financing, which establishes which preventive measures and when banks and other entities must take in order to prevent money laundering and terrorist financing, and obliges banks to identify the customer and the beneficiary, as well as other legislation, including the Instructions for Financial Market Participants approved by Resolution No 03-17 of 12 February 2015 of the Board of the Bank of Lithuania, which are aimed at preventing money laundering and/or terrorist financing, obligate banks to implement the “Know Your Customer” principle with respect to their new and existing customers, because it is crucial for banks:
The bank can only carry out the above-mentioned obligation to apply scrutiny to transactions after obtaining explanations from the customer regarding the operations performed in the customer’s account as well as supporting documents for these operations which confirm the explanations provided by the customer.
The bank must also ensure that the money laundering and terrorist financing risk assessment is carried out according to updated and accurate information, so it must constantly review and update the documents, data and information provided during identification of the customer and the beneficiary. This provision applies not only to new bank customers, but to existing ones as well. The customer must notify the bank of any changes to data.
When establishing a business relationship with the bank, the customer must fill out either the Customer Questionnaire for Natural Persons or the Legal Person Declaration. Completion of these documents is also mandatory when updating customer information.
The Bank ensures that it will protect the information provided by the customer and the data related to their business relationships just as any other information constituting a bank secret.
Detailed information on the legislation regulating the prevention of money laundering and terrorist financing can be accessed online at the website of the Financial Crime Investigation Service under the Ministry of the Interior of the Republic of Lithuania. In addition, all legislation in force in the Republic of Lithuania is publicly available online.
According to legislation, the banks operating in Lithuania must inform the State Tax Inspectorate under the Ministry of Finance of the Republic of Lithuania (hereinafter - VMI) about customers that could be potential taxpayers in foreign countries. This obligation is provided for in the following legislation:
Potential U.S. taxpayers
Since 1 July 2014, Lithuania has been implementing the requirements of FATCA under which all banks operating in Lithuania must identify potential U.S. taxpayers and provide information about them to VMI. VMI must forward this information to the Internal Revenue Service (IRS).
Potential U.S. taxpayers include the following persons:
What should you do if you are a U.S. taxpayer?
Complete the Customer Questionnaire for Natural Persons available in Swedbank's Internet Bank indicate a Taxpayer Identification Number (TIN) given to you by IRS.
When information must be provided by companies?
If one of a company's beneficial owners (a person who owns or controls at least 25% of the company's capital) is a U.S. taxpayer or citizen, the company must provide information about the person's place of residence and nationality by completing the Declaration of the Legal Personavailable in Swedbank's Internet Bank.
For more information please visit:
Potential taxpayers of other countries
The Common Reporting Standard (hereinafter - CRS) regulates the exchange of information between CRS-participating countries (the list of countries is provided here). From 2017, the banks operating in Lithuania are obliged to provide VMI with information about natural persons and legal entities that are potential taxpayers of CRS countries. VMI forwards this information to the tax institutions of relevant countries.
What should you do if you are a taxpayer of CRS countries?
Complete the Customer Questionnaire for Natural Persons available in Swedbank's Internet Bank, specify the country in which you pay tax, indicate a taxpayer identification number given by this country and other required information.
If a company is a resident of other country for tax purposes, complete the Declaration of the Declaration of the Legal Person available in Swedbank's Internet Bank, specify the country in which you pay tax, indicate a taxpayer identification number given by this country and other required information.
International sanctions are non-military restrictive measures aimed at preventing the illegal activities (terrorism, drug dealing) or policies and at ensuring the international peace, security and respect for human rights.
In implementing the international sanctions, acting in the interests of its customers and seeking to protect their monetary funds, Swedbank, AB, being part of Swedbank Group, is acting in accordance with sanctions announced by the European Union (hereinafter - EU) and the Office of Foreign Assets Control (hereinafter - OFAC) of the US Treasury Department. Sanctions to the specified entities are applied within the limits established by the organisations announcing them.
Sanctions implemented by the Bank are of two types: sanctions prohibiting any relationships (commercial, financial) with the entity subject to sanctions, or sanctions restricting only certain particular transactions (e.g., export of certain goods), or applicable only to certain regions, etc.
4.1. Application of sanctions prohibiting all business relationships with entities subject to sanctions
The Bank shall not establish and maintain any business relationships with entities (natural and legal persons) and shall not fulfil payment orders in the following cases:
4.2. Application of territorial and sectoral sanctions
By applying the territorial sanctions (e.g., sanctions imposed on activities of certain regions/territories) and the sectoral sanctions (e.g., sanctions imposed on certain areas of economic activity (imports/exports of certain goods, prohibition to trade in financial instruments issued by certain entities), the Bank may suspend the customer's payment order in order to find out whether the given payment order is not related with the regions, groups of goods, etc. that are covered by sanctions. In such cases the fulfilment of the payment order may last longer, because the Bank may ask the customer to provide more information on the circumstances of the money transfer and carry out internal verification and investigation actions.
If the customer or his or her close family members (spouse, person in a registered partnership (hereinafter – cohabitant), parents, brothers, sisters, children, children’s spouses, children’s cohabitants) or close associates (a natural person who, together with a person who is or was entrusted with a prominent public function, is a participant of the same legal entity or organisation without legal entity status or maintains other business relationships; a natural person who is the sole beneficiary of a legal entity or organisation without legal entity status established or operating de facto for the purpose of property or other personal benefit to a person who is or was entrusted with a prominent public function), are currently or were over the past 12 months entrusted with one of the following prominent public functions at any state and/or international or foreign state institution, the bank must perform enhanced monitoring of the business relationships (including monetary operations) of this customer.
Politically exposed persons shall be the following persons:
If a customer does not provide, avoids providing, or refuses to provide the information requested by the bank, or if the information provided by the customer is insufficient, the bank shall not execute or shall suspend execution of the customer’s operations or transactions, as without doing so, it would violate the requirements of the Republic of Lithuania Law on the Prevention of Money Laundering and Terrorist Financing and other legislation. Furthermore, in such cases, the bank may, in accordance with the Republic of Lithuania Law on the Prevention of Money Laundering and Terrorist Financing and the Swedbank, AB General Terms and Conditions for Customer Service and the Provision of Services, terminate the business relationship with the customer. If, in accordance with the Republic of Lithuania Law on the Prevention of Money Laundering and Terrorist Financing, the assumption can be made that suspicious monetary operations or transactions are being performed, the bank must inform the Financial Crime Investigation Service under the Ministry of the Interior of the Republic of Lithuania.
If the bank does not comply with the legislation regulating the prevention of money laundering and terrorist financing, the bank may be subject to sanctions, and foreign states may recommend that their credit institutions terminate their relations with such a bank.
We would like to note that in its activities, Swedbank, AB follows strict ethical and moral standards and works with those customers whose funds and assets are substantiated and whose legitimacy does not raise doubts; the origin of funds of the monetary operations being carried out in the accounts of these customers is not related to criminal (illegal) activity, and these operations are not being used to conceal the origin of the funds in question. The Bank also carries out prevention of unintentional and indirect criminal activities.
The Financial Crime Investigation Service under the Ministry of the Interior of the Republic of Lithuania, with a view to preventing money laundering and terrorist financing, controls the relations between banks and their clients. In addition, the compliance of preventive procedures applied by banks with the legal acts of the Republic of Lithuania are controlled and verified by the Bank of Lithuania and independent auditors.
Controlling authorities may impose penalties, restrictions on banks for violations of the legal acts of the Republic of Lithuania or they may prohibit activities of a bank or cancel its licence.
The implementation of international sanctions in Lithuania is coordinated by the Ministry of Foreign Affairs of the Republic of Lithuania. More information is available here.
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