Swedbank EE review
Updated October 13, 2026 · SumCue Editorial Team
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Our verdict
Swedbank EE is an Estonian bank handling everyday transactions for households and companies seeking steady development. It appeals to customers who want daily money management joined with future oriented services through one familiar local institution focused on community progress in Estonia.
Key facts
- Best for
- Everyday banking with longer term planning in one place
- Minimum deposit
- €190↗
- Stock trade fee
- €9.90↗
- Markets
- Stocks, ETFs, Funds, Bonds↗
- Currency conversion fee
- 1%↗
- Platforms
- Mobile app, Internet bank↗
- Legal entity
- Swedbank AS↗
- Headquarters
- Estonia↗
- Founded
- 1991↗
- Support channels
- Phone↗
- Features
- Mobile app
- Pricing model
- Fixed rate
- Audience
- Students, Kids
- Official website
- swedbank.ee
Loans
- APR
- 18.18%↗
- Loan amount
- €300 to €20,000↗
- Term
- 0.067 to 24 months↗
- Arrangement fee
- 1,5% laenusummast, vähemalt 15 €↗
- Credit check
- Hard↗
- Funding time
- Funds paid to the account immediately after signing the loan contract↗
- Representative example
- Väikelaen: cost of credit rate 18.18% p.a. on a loan of 5000 EUR, fixed interest 15.90%, contract fee 75 EUR, term 5 years, 60 repayments, total cost 2392.01 EUR↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Regular income of at least 600 EUR per month, at least 1300 EUR together with a co-applicant; 6-month account statement if income is not paid to Swedbank↗
- Origination fee (%)
- 1.5%↗
- Loan types
- Personal↗
- Use cases
- Home-improvement↗
Savings
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Handles daily banking tasks for Estonian households and companies alike
- Supports development of people, businesses and wider society
- Keeps routine money management connected with future oriented services
- Operates as a familiar local institution for Estonian customers
Cons
- Estonian focus limits relevance for households living elsewhere
- Broad bank setup offers less specialisation than a narrow focused firm
- Wide service scope can feel heavy for simple daily needs
Who it suits
- Estonian households managing daily spending and future plans
- Companies needing everyday transactions with development support
- Customers preferring one local institution for several needs
Who should look elsewhere
- Households based entirely outside Estonia
- People wanting a single purpose specialist
How Swedbank EE compares
Frequently asked questions
What products does Swedbank EE cover?+
Swedbank EE covers everyday banking operations plus financing, insurance, investing and saving opportunities. Customers can manage routine transactions while also planning for longer term goals. The range keeps different money needs connected through one Estonian provider.
Where does Swedbank EE operate?+
Swedbank EE operates in Estonia and supports people, companies and society there. Its services centre on Estonian households and businesses seeking steady development. Customers outside the country will find less relevance in the local offer.
Who is Swedbank EE for?+
Swedbank EE suits households that want daily banking combined with structured future planning. It also suits companies that need routine transactions alongside development support. People who prefer several money needs in one place gain clear convenience.
What does Swedbank EE do as a company?+
Swedbank EE acts as a bank that supports the development of individuals, businesses and society. Its work spans routine transactions and longer term planning for Estonian customers. The emphasis stays on steady personal and economic progress.
What is the minimum deposit at Swedbank EE?+
The minimum deposit at Swedbank EE is €190. (Source, checked September 26, 2026)
What currency conversion fee does Swedbank EE charge?+
The currency conversion fee at Swedbank EE is 1%. (Source, checked September 26, 2026)
Which platforms does Swedbank EE support?+
Swedbank EE supports Mobile app, Internet bank. (Source, checked September 26, 2026)
Where is Swedbank EE based?+
Swedbank EE is based in Estonia. (Source, checked September 26, 2026)
When was Swedbank EE founded?+
Swedbank EE was founded in 1991. (Source, checked September 26, 2026)
How can I contact Swedbank EE support?+
Swedbank EE offers support through Phone. (Source, checked September 26, 2026)
Sources
- swedbank.ee checked September 26, 2026
Backs: Headquarters, Legal entity, Product fee, Purpose, Support channels
“SWEDBANK AS LIIVALAIA 34, 15040 TALLINN”
- swedbank.ee/about/about/investorRelations checked September 26, 2026
Backs: Founded, Markets, Platforms
“Hansapank started operating as a branch of Tartu Kommertspank in 1991”
- swedbank.ee/hoiused checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Pricing model, Rate type, Term
“Sinu soovil kantakse hoiusummalt arvestatud intress Sinu kontole hoiuse tähtaja lõpus või kord kuus. ... Vajaduse korral saad hoiuse enne tähtaega tasuta lõpetada, kuid sel juhul ei teeni Sa...”
- swedbank.ee/private/cards/credit/mc-platinum checked September 26, 2026
Backs: Annual fee, Card kind, Currency conversion fee, Perks, Rewards type
“Revolving credit card Monthly fee 2 EUR”
- swedbank.ee/private/cards/debit checked September 26, 2026
Backs: Audience, Card type, Card network
“ISIC Mastercard Student Card - Prove your student status; Available from age 6; Order a card for a child”
- swedbank.ee/private/investor/priceList checked September 26, 2026
Backs: Features, Stock trade fee
“You can also see the investments in the mobile app”
- swedbank.ee/vaikelaen checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Free early repayment, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Representative example, Use cases
“Pakume väikelaenu 300–20 000 € ulatuses”
Compiled from 7 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Account fee, Inactivity fee, Regulators, Investor protection, Retail accounts that lose money.