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Use our best offers of the year!

The Fair of the Year offers special terms and conditions as well as discounts on many insurance services, credit cards, loans and other bank services.

The offers of the fair are valid from 14 January 2019 to 10 February 2019.

For important purchases

Special discount

Home Loan

If you fill an application in the Internet Bank, we will apply a 20% discount on the administration fee of the new home loan agreement. If you sign a loan agreement in the Internet Bank (by a Mobile-ID or an e-signature on an ID card), we will apply an additional 20% discount on the administration fee.

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Special discount

Consumer Loan

Submit a consumer loan request via Swedbank app or Internet bank and the agreement administration fee will be EUR 0!

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For secure home

-20 %

Home Insurance

Insure your home and its property and get a 20% discount on insurance contributions all year round!

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For smooth travelling

Special discount

Credit Cards

Order the Classic or Gold credit card and you will not have to pay card administration fee until 01-06-19. Also, order your card to be delivered by post and don’t pay the issuance fee.

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-20 %

Travel Insurance

Get a 20% discount on travel insurance.

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For family security and welfare

-25 %

Risk life insurance

Acquire risk life insurance and get a 25% discount on premiums for a half-year.

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For your and your children’s future

Special discount

Savings for Child’s Future

Start accumulating for your child’s studies or the start of independent life in the Savings for Child’s Future fund and you will not have to pay an agreement administration fee for a half-year.

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Special discount

Safe Pension Fund

Start accumulating additional funds for your old age in the Safe Pension Fund and you will not have to pay an agreement administration fee for a half-year.

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Please note that by using financial services you assume financial obligations. Defaulting on a financial obligation can have a negative impact on your credit history and increase your borrowing costs; enforced recovery may also be initiated.

Example of a standard annual percentage rate calculation for credit cards: granted credit limit - 1500 EUR, when credit agreement period is 42 months, monthly amount of the principal of 375 EUR is paid (in case of fixed payment credit card, the following is applicable: credit agreement period of 36 months, credit repayment period of 24 months, monthly amount of the principal of 75 EUR), also fixed annual credit interest rate of 19% is applied, monthly minimum daily banking fee for private persons as established by the Bank is paid, monthly bank account administration fee and one-time card issuing fee is paid, then, the total consumer credit annual percentage rate would be:

  • Standard credit card – 23 %, and the total amount paid by the consumer loan receiver would be EUR 2552.
  • Gold credit card – 24.9%, and the total amount paid by the consumer loan receiver would be EUR 2627.

Example of calculation of the annual percentage rate of charge for consumer loan:

If you applied for a consumer loan amounting to EUR 3 000 with credit agreement duration (and loan repayment term) of 5 years with the annual flat rate of 16 % and the following applicable fees: a minimum daily services fee (EUR 0.70 per month) for natural persons‘ as established by the Bank; agreement administration fee of EUR 45; monthly payments EUR 74 using annuity method, then, the total consumer credit annual percentage rate would be 18.8 %, and the total amount paid by the Consumer Loan receiver would be EUR 4491.

A typical example

If the total amount of a home loan being taken out related to real estate is EUR 65,000, when the duration of the credit agreement is 26 years with a 2.2 per cent variable annual interest rate, paying a one-off loan agreement administration fee established by the bank of 0.4 per cent of the credit amount (EUR 260), the minimum daily service fee (EUR 0.70 per month), the mortgage registration fee (EUR 31.28) and annuity mortgage payments, then the annual percentage rate of charge would be 2.3 per cent, and the total amount paid to the borrower would be EUR 86,094. The total number of loan payments would be 312, and the amount of each instalment would be EUR 274.

The annual percentage rate of charge, the total amount payable by the borrower, the total number of loan payments and the amount of each instalment are calculated under the assumption that the credit agreement will be valid for a period equal to the duration of the credit agreement, that the entire loan will be paid out on the day that the agreement is signed, that the parties will fulfil all of their obligations properly, and that the variable interest rate, fees and other costs will remain the same as at the time of conclusion of the credit agreement and will continue to apply until the end of the credit agreement. A customer shall also bear the costs of property insurance and appraisal. These costs depend on the individual characteristics of collateral and, therefore, are not included in the total credit price in the example above.

If the loan agreement is concluded in a foreign currency, i.e. if the currency of the customer’s revenues (or the major share thereof) and/or the customer’s state of residence, which is an EU member state or a member state of the European Economic Area, from the currency of the loan issued in euros, the change of the foreign currency compared to euro may significantly increase the amount of the issued loan and the associated payments.

The loan must be secured by mortgage of real estate acceptable to the bank, and the mortgaged property must be insured by concluding an insurance agreement. A report by an independent property appraiser may be required on the value of the collateral. The costs of property insurance and appraisal depend on individual characteristics of collateral, and shall be prescribed by agreements you may have with the relevant service providers.

By using these financing services, you are assuming financial obligations. Improper fulfilment or non-fulfilment of financial obligations may have a negative impact on your credit history and make borrowing more expensive; you also risk losing ownership rights to the mortgaged real estate.

Besides, a loan administration fee may be charged at the time of entry into a credit agreement. Loan administration fees and other fees are provided here.

Insurance services are provided by Swedbank Life Insurance SE Lithuanian Branch and Swedbank P&C Insurance AS Lithuanian Branch through the representative Swedbank, AB. Insurance rules are available at www.swedbank.lt.

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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.

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Casco insurance. 15% discount now.

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See on cinema screens for half the price!

From now on, Youth Programme members can buy tickets for films screened on the first Wednesday of each month at a 50% discount.