Withdrawals from Savings Accounts

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• Liquidity Account: Withdrawals can be made before the end of the term, but a fee of 0.75% of the withdrawn amount (minimum 250 SEK) applies.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

Tip: Withdrawals are currently made via the Internet Bank, which you can now open directly from the Nordiska App.
This makes it faster and easier to log in with BankID and transfer money between your accounts.

Follow these steps:

• Open the Nordiska App.

• Tap “Open new savings account in the Internet Bank” – this opens the Internet Bank directly in the app.

• Log in using BankID.

• Go to “Deposit and transfer” in the menu and select “Transfer.”

• Enter the amount you want to transfer (even if you wish to transfer the full balance).

• Under “To account,” select the registered bank account you want the funds sent to.

• Confirm the withdrawal and follow the on-screen instructions.

Learn more about how to download the app here: How do I download the Nordiska App.

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 your name in the top right corner and then select “My details.” Choose “Change” under “My registered withdrawal account.”

Your account number is verified via Bankgirocentralen, and it takes 2 banking days from the time you update the account until it is approved.

Please note:

• The withdrawal account must be in your name

• The account must be a transaction account.

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.

You do this when becoming a customer with us, so that the account is pre-registered when you want to make a withdrawal.
Most banks use a 4-digit clearing number followed by the account number. An exception applies to Swedbank accounts where the clearing number starts with the digit 8.

Swedbank
If you have a Swedbank account where the clearing number starts with the digit 8 and the account number has 8 or 9 digits, you need to add one or two zeros at the beginning of the account number so that the total length becomes 15 digits (including the clearing number).

Example: CCCCC 0XXXXXXXXX

C = Clearing number, X = Account digit

If your registered account has not been approved, it may be because the account number is incorrect or the account in the other bank is not in your name. Verify the account number and try again. You can only register an account that is in your name when you want to make withdrawals from your account with Nordiska.

Once your withdrawal has been processed, it will appear as a transaction under your savings account when you log in to Nordiska’s Internet Bank. Normally, it takes 1–2 business days for the funds to appear in your account, depending on your receiving bank.

No, it is not possible to register an Avanza or Nordnet account as the withdrawal account for your savings account with Nordiska.
Withdrawals can only be made to a pre-registered transaction account with a Swedish bank that is held in your own name.

The account must be a regular bank account, for example with SEB, Swedbank, Handelsbanken, Nordea, or another traditional Swedish bank.

Investment accounts with Avanza or Nordnet cannot be used for withdrawals, as they are not standard transaction accounts.

No, it is not possible to make withdrawals from Nordiska to IBAN or foreign bank accounts.
Withdrawals can only be made to a pre-registered Swedish transaction account held in your own name.

Withdrawals to international accounts, digital payment services, or neobanks, for example Revolut, Wise, or similar services, are not possible, as these accounts do not support domestic Bankgiro transfers.

For fast and secure payouts from Nordiska, make sure your registered withdrawal account is a Swedish bank account, for example with SEB, Swedbank, Handelsbanken, Nordea, Länsförsäkringar Bank, ICA Banken, Skandiabanken, Sparbanken Syd, Danske Bank in Sweden, or Ålandsbanken Sverige.

No, withdrawals can only be made to a registered Swedish transaction account held in your own name.

No, it is not possible to make withdrawals to debit or credit cards from your savings account with Nordiska.
Card transfers are not supported, regardless of whether the card is a Visa, Mastercard, or American Express.

Withdrawals can only be made to a pre-registered Swedish transaction account held in your own name.
This means the money is transferred to your regular bank account, for example with SEB, Swedbank, Handelsbanken, Nordea, Länsförsäkringar Bank, ICA Banken, Skandiabanken, Sparbanken Syd, Danske Bank in Sweden, or Ålandsbanken Sverige.

Lunar is a Danish bank that offers Swedish accounts with clearing and account numbers.
However, their payment flows are processed through an intermediary partner bank rather than directly via the Swedish payment systems (Bankgirot and RIX).

Because of this, accounts with Lunar cannot be used as withdrawal accounts with Nordiska.

Withdrawals from your savings account with Nordiska can only be made to a registered Swedish transaction account in your own name at a bank that is directly connected to the Swedish payment systems — for example:
SEB, Swedbank, Handelsbanken, Nordea, Länsförsäkringar Bank, ICA Banken, Skandiabanken, Sparbanken Syd, Danske Bank in Sweden, or Ålandsbanken.

No, it is not possible to make withdrawals to Swish from your savings account with Nordiska.
Swish is a payment service for fast transfers between individuals and companies and cannot be used for withdrawals from savings accounts.

Withdrawals can only be made to a pre-registered Swedish transaction account held in your own name.