Become a customer

Legal and tax information

Documents regulating the provision of investment services in the bank

General Conditions of Dealing with and Servicing the Customers of Swedbank AB PDF
Swedbank, AB Policy on Conflicts of Interest PDF
Swedbank, AB Order Execution Policy (effective from 2023-02-12) PDF LT
Swedbank, AB Summary of Order Execution Policy PDF LT
List of Swedbank, AB Trading Venues and Brokers PDF
Swedbank, AB Commercial Policy PDF LT
Names of Trading Venues and Transaction Type Abbreviations used in Transaction Confirmations PDF
Target Market Descriptions for Financial Instruments PDF LT
Guide to Financial Instruments PDF
Swedbank, AB Description of Securities Safekeeping Service PDF LT
MIC Codes of Stock Exchanges used in Transaction Confirmations PDF
Securities Custodians of the Counterparty Abbreviations used in Transaction Confirmations PDF LT
Information about Different Safekeeping Options for Lithuanian Securities Registered with Nasdaq CSD SE,
Applicable Asset Protection Levels, and Associated Costs 		PDF LT
Investment fund units’ trading and safekeeping services
Services related to securities trading and safekeeping
Lithuanian Republic government saving notes
Pre-trade costs & charges overview materials PDF LT
General terms and conditions under which Swedbank, AB provides indirect clearing services PDF
Summary of Swedbank‘s analysis and conclusions regarding the quality of customers orders execution (2024) PDF
Summary of Swedbank‘s analysis and conclusions regarding the quality of customers orders execution (2023) PDF
TOP 5 Execution Venues
TOP 5 Execution Venues 2024 Retail XLSX
TOP 5 Execution Venues 2024 Professional XLSX
TOP 5 Execution Venues 2023 Retail XLSX
TOP 5 Execution Venues 2023 Professional XLSX
TOP 5 Investment Firms
TOP 5 Investment Firms 2024 Retail XLSX
TOP 5 Investment Firms 2024 Professional XLSX
TOP 5 Investment Firms 2023 Retail XLSX
TOP 5 Investment Firms 2023 Professional XLSX

Agreements for Proposed Services

Title Effective from Effective to
Securities Account Management and Brokerage Agreement Terms and Conditions 2025-06-12 Effective PDF
Terms and Conditions of the Portfolio Management Service 2024-09-09 Effective PDF
User Guide of Portfolio Management Reports 2025-03-31 Effective PDF
Master Transaction Agreement Terms and Conditions 2025-04-10 Effective PDF
Master Transaction Agreement Terms and Conditions 2024-06-13 2025-04-09 PDF
Master Transaction Agreement Terms and Conditions 2024-04-29 2024-06-12 PDF
Annex 1 to the Terms and Conditions of the Master Transaction Agreement:
Terms and Conditions of use of Traderoom trading channel		 2025-04-10 Effective PDF

Foreign Account Tax Compliance Act (FATCA)

FATCA is a U.S. legislation aimed at ensuring that U.S. taxpayers comply with relevant U.S. tax laws and do not evade tax obligations by using accounts in foreign financial institutions. For the implementation of FATCA in Lithuania, an agreement between the United States and the Government of the Republic of Lithuania defines requirements under which Lithuanian financial institutions must identify accounts whose holders (in the case of companies, also company beneficiaries) are U.S. taxpayers and provide information about these accounts and their holders to the Lithuanian State Tax Inspectorate.

Dodd-Frank

The Dodd-Frank Wall Street Reform and Consumer Protection Act is a U.S. legislation adopted in response to the financial crisis. This law fundamentally reformed the regulation of financial services provision in the U.S. Among its many goals are stricter regulation of financial markets and enhanced consumer protection. This act aims to protect all U.S. residents; hence it has international implications.

Financial institutions wishing to provide investment services to U.S. residents must meet and comply with Dodd-Frank Act requirements. As a result, Swedbank does not offer certain investment services and products to U.S. residents, or their provision is limited.

Norwegian dividend taxation

As of 2019, rules concerning the application of a lower withholding tax rate than 25 per cent will apply on dividend distributions from Norwegian companies to foreign shareholders.

  • Statutory tax rate: 25%
  • Treaty rate for Lithuanian residents: 15%

Treaty tax rate may be applied if client’s tax residency is Lithuania and the client provides valid documents to the bank according to requirements mentioned below. Additionally, stocks have to be on the securities account on the ex-date.

For application of reduced withholding tax rate, the client has to provide the bank with necessary documents at the latest three business days before dividend ex-date.

The client shall be liable for submission of required documents, also for the accuracy of the documents and payment of all taxes associated with the securities. The bank shall not be liable for damages caused to the client due to applied tax rate or due to failure to submit required documents or to submit these on time. The bank shall not be obliged to remind the client about the need to provide or update documents needed for application of lower tax rate.

  • A certificate of residency (CoR)

    Issued by local Tax Authority

    Certificate has to refer to Double Taxation Treaty between Lithuania and Norway.

    As the certificate of residency is valid only for present calendar year, the certificate of residency has to be provided for each year the treaty rate is applied for.

  • Confirmation from the dividend recipient that they are the beneficial owner of the dividend

    Document sample is added. Current document is valid after first submission until underlying circumstances will change and client presents new confirmation.

A legal person will need to submit the following documents to Swedbank for income tax under the double taxation agreement:

confirming the dividend recipient is entitled to a reduced withholding tax rate.

To obtain this approval, the customer must apply to the Norwegian tax authorities for a more favorable income tax rate or tax exemption to the following address:

Central Tax Office - Foreign Tax Affairs (SFU)
Skatteetaten
Postboks 9200 Grønland
0134 Oslo
NORWAY

The Approval is valid until underlying circumstances will change. In which case client has to present new confirmation.

Issued by local Tax Authority

Certificate has to refer to Double Taxation Treaty between Lithuania and Norway.

As the certificate of residency is valid only for present calendar year, the certificate of residency has to be provided for each year the treaty rate is applied for.

Document sample is added. Current document is valid after first submission until underlying circumstances will change and client presents new confirmation.

If based on the Approval a tax exemption is applied (0%), then the Approval is valid for three years after first submission or until underlying circumstances will change. Client has to provide following confirmation after every three years from initial acceptance.

The confirmation has to be presented before three years have passed from initial Approval date.

Suggested process for legal person should be:
  • Documents can be provided to the bank over the year, three business days before dividend ex-date at the latest.
  • If required documentation is not provided to the bank before dividend ex-date, then dividend will be paid out with statutory rate (25%).
  • A certificate of residency (issued by local Tax Authority) should be renewed every year, since it is given only for present calendar year.

Process for presenting needed documentation to the bank:

You can upload needed document here.

As a legal person you can upload documents in the business customer internet bank.

Choose Type → Investment Agreements

Subtype has to be chosen accordingly to uploaded document. Each document is uploaded under separate, specific subtype. Only relevant subtypes are available for private and corporate customer.

 Please revise if you have presented all the necessary documents.

All documents presented to bank have to be manually signed (preferably with blue ink pen)! Manually signed document has to be scanned and uploaded.

Documents are valid until underlying circumstances will change, in which case client has to present new documents and notify bank.

Finnish dividend taxation

As of January 2024 Finnish dividend reciever has to submit a new form – Investor Self-Declaration (dividends). The declaration is valid for the year of submission and the following 5 years or until underlying circumstances change. Previously provided Beneficial Owner Confirmation is not valid from 01.04.2024.

Please fill out a new form and upload with your Certificate of Residency.

NB! Please mark all your Securities accounts in Swedbank where Finnish Securities are held or will be held.

As of January 1st, 2021, rules for the application of a lower withholding tax rate on dividend distributions from Finnish companies to foreign shareholders, in contrast to 30/20 per cent* applied for foreign residents, enter into force.

NB! Lower withholding tax rates are not available for those Finnish securities which are traded in other markets than Finland.

* Statutory tax rates in Finland non-residents:

  • 30% for private persons
  • 20% for legal entities
  • Treaty tax rate for Lithuania an residents: 15%

Treaty tax rate may be applied if your tax residency is in Lithuania and you are able to provide valid documents to the bank according to requirements mentioned below. Additionally, stocks have to be on the securities account on the ex-dividend date.

For application of reduced withholding tax rate, you must provide the bank with necessary documents three business days before dividend ex-date at the latest.

The client shall be liable for submission of required documents, also for the accuracy of the documents and payment of all taxes associated with the securities. The bank shall not be liable for damages caused to the client due to applied tax rate or due to failure to submit required documents or to submit these on time. The bank shall not be obliged to remind the client about the need to provide or update documents needed for application of lower tax rate.
  • According to the Finnish regulation, 25,5% WHT will be applied to the Client whose data can be disclosed (name, ID, address, Finnish tax-ID). If Swedbank do not have all relevant data, 50% withholding tax will be applied.
  • If you are Finnish tax resident, please make sure you have provided your Finnish tax-ID to Swedbank.

  • A Certificate of Residency (CoR)

    Issued by local Tax Authority.

    Certificate has to refer to Double Taxation Avoidance Convention between Lithuania and Finland.

    Certificate should be in English and manually signed.

    As the certificate of residency is valid only for current calendar year, the certificate of residency has to be provided for each year the treaty rate is applied for.

  • Investor Self-Declaration (dividends)

    As of January 2024 Finnish dividend reciever has to submit a new form – Investor Self-Declaration (dividends). The declaration is valid for the year of submission and the following 5 years or until underlying circumstances change. Previously provided Beneficial Owner Confirmation is not valid from 01.04.2024.

    Please fill out a new form of Investor Self-Declaration (dividends) for

    and upload with your Certificate of Residency.

    NB! Please mark all your Securities accounts in Swedbank where Finnish Securities are held or will be held.
  • In order to receive a favorable tax rate, it is necessary to submit both the certificate of residency (CoR) and Investor Self-Declaration (dividends)
  • Documents can be provided to the bank over a year in advance, three business days before dividend ex-date at the latest.
  • 35% tax rate will be applied if, at the time of payment, there is no identifying information on the beneficial owner.
  • A certificate of residency (issued by local Tax Authority) should be renewed every year, since it is valid only for current calendar year.

Process for presenting needed documentation to the bank:

You can upload needed document here.

As a legal person you can upload documents in the business customer internet bank.

Choose Type → Investment Agreements

Subtype has to be chosen accordingly to uploaded document. Each document is uploaded under separate, specific subtype. Only relevant subtypes are available for private and corporate customer.

 Please revise if you have presented all the necessary documents.

All documents presented to bank have to be manually signed (preferably with blue ink pen)! Manually signed document has to be scanned and uploaded.

Documents are valid until underlying circumstances will change, in which case client has to present new documents and notify bank.

Taxation of Swedish dividends

Foreign shareholders of Swedish companies are subject to:

  • Statutory tax rate of 30%; or
  • Treaty tax rate of 15% for Lithuanian residents.

NB! Treaty tax rate is applicable only in case of Swedish company’s shares purchased directly from the Stockholm Stock Exchange. It does not demand any additional actions from customers.

It is not possible to request the treaty tax rate for those Swedish securities that are traded on markets others than Sweden.

  • From 01.09.2022, Swedbank will not be able to apply the treaty tax rate to dividends paid out by Swedish companies, which have been purchased from the Helsinki Stock Exchange in Finland. In the case of those securities, the applicable tax rate is 30%.
Swedbank logo

Jūsų Internet Explorer naršyklė nebepalaikoma.

Prašome naudoti Google Chrome, Mozilla Firefox ar Microsoft Edge naršykles.

Google ChromeMozilla FirefoxMicrosoft Edge

Nuo 2021 03 23 nebebus galima jungtis prie „Swedbank“ interneto banko naudojantis naršykle „Internet Explorer“.

Taip pat nebebus galima tvirtinti ar vykdyti mokėjimų iš „Swedbank“ kituose tinklalapiuose naudojantis „Internet Explorer“.

Siūlome Jums naudotis naršyklėmis „Google Chrome“, „Mozilla Firefox“ ar naujausia „Microsoft Edge“ versija. Norėdami sužinoti, kaip įdiegti naršykles spauskite čia.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Your session at the Internet Bank has ended – we look forward to welcoming you back!

For your safety, please close your browser window. If you wish to continue using Internet Bank, please log in again.

Get MTPL insurance and win a gift!

Every fifth lucky winner, who signs a new 12-month insurance contract by November 30th will win a 50 EUR "Circle K" gift card.

Contacts

„Swedbank”, AB
Konstitucijos pr. 20A, 09321 Vilnius, Lithuania
SWIFT code: HABALT22
Legal entity code: 112029651

Useful links

Legal information

Customer programmes

This is Internet Banking site of companies offering financial services - „Swedbank“ AB, Swedbank lizingas UAB, Swedbank investicijų valdymas UAB, Swedbank P&C Insurance AS Lithuanian branch, Swedbank Life Insurance SE Lithuanian branch. Before signing any agreement read the terms and conditions of the respective service.