Withdrawals

To make a withdrawal, log in to the Internet Bank at www.nordiska.se. Select "Deposit and Transfer" and then "Transfer." Enter the amount you wish to transfer (even if you want to transfer the entire balance) and choose your registered withdrawal account from the dropdown menu under "To account."

Please note that different rules apply depending on the type of account you have:

• Flex and Flex Plus: Withdrawals can be made at any time without fees.

• Liquidity Account: Withdrawals can be made before the end of the term, but a fee of 0.75% of the withdrawn amount (minimum 250 SEK) applies.

• Fix Account: Withdrawals cannot be made before the end of the term. When the term ends, the capital is automatically transferred to your Flex account.

Normally, the funds will arrive in your withdrawal account on the next banking day.

Most banks use a 4-digit clearing number followed by a 7-digit account number, totaling 11 digits.

Exceptions apply to:

Swedbank
If you have an account with Swedbank with 8 or 9 account digits, you need to add one or two zeros at the beginning of the account number so that the total becomes 15 digits (including the clearing number).
Example: CCCCC 0XXXXXXXXX
C = Clearing number, X = Account number

Nordea personal account
If you have a personal account with Nordea, it is entered with the clearing number 3300 followed by 10 digits in the account number – your personal number.
Example: CCCC XXXXXXXXXX
C = Clearing number, X = Account number

Handelsbanken
Handelsbanken has 13 account digits.
Example: CCCC XXXXXXXXXX
C = Clearing number, X = Account number

You can change your withdrawal account in the Internet Bank. Click on your name at the top right corner and then on "My Details." Then select "Change" under the heading "My registered withdrawal account." Your account number will be verified via Bankgirocentralen, and it takes 1–2 banking days from the time you have changed the withdrawal account until Bankgirocentralen provides approval. Note that your withdrawal account must be in your name.

Both Nordiska Flex and Nordiska Flex Plus offer an unlimited number of free withdrawals without any fees. You can withdraw money at any time at no cost.

No, it is not possible to make international payments from your savings account. You can only make withdrawals to a bank account in another Swedish bank where you are the account holder. The savings account lacks both an IBAN number and a BIC/Swift code, which means that international payments are not possible.