Terms and conditions
The terms and conditions under which we do business with you can be downloaded from the following page.
Please contact your account manager if you have any questions.
How we use your information
Who we areHandelsbanken plc (‘Handelsbanken’) is the controller of the personal information we collect and hold about you and our registered address is at 3 Thomas More Square, London, E1W 1WY. When we use terms such as we, us and our in this notice, we mean Handelsbanken UK.
Privacy NoticeOur full Privacy Notice in force from time to time can be viewed by clicking on the following link:
This policy provides full details about what information we will hold about you as a customer of Handelsbanken, how we will use that information to provide our product or service to you and who we may share it with, and it describes your data protection rights and how to exercise them.
In addition, a hard copy of the full Privacy Notice can also be obtained from your local branch or by calling Handelsbanken Customer Support on 020 7578 8000.
Please contact us using the options set out in our Privacy Notice if you have any questions at all.
Brexit and Handelsbanken plc
The UK left the European Union (EU) on 31st January 2020. Until 31st December 2020 the UK is in a transition period and the arrangements in respect of trade and business between the EU and the UK continue to apply. To find out more, please use the link below.
International payments: Restricted countries
From 1 July 2021 we are making changes to the countries we allow payments to be made and received from. Please click on the link below for more information:
Bereavement supportWe can help at this difficult time by giving you practical support and guidance on the things you need to do. Our dedicated branch team is on hand to guide you through the financial aspects.
Payment cut-off times
Make and receive payments when you like. Please click on the link below to find out more about Faster Payments:
Get ready for the introduction of ISO 20022 the new global standard for payments messaging.
View current and historic interest rates across our key markets. Please note, we do not publish a list of our product rates; instead our branches work with each customer to provide a range of services and solutions to suit their individual circumstances.
Here at Handelsbanken although we provide branch support, we don’t have a traditional counter service, so use sort codes from our partner banks. Click on the link below for more information and how to find your sort code.
Handelsbanken's Fee Information Document (FID) details the standard charges for a range of common banking transactions and services.
Fair charging policy
The following policy only applies to current accounts for Individual Banking customers.
Your account tariff will be agreed with your account manager.
If you use your Handelsbanken current account to make payments when:
- You do not have enough money in your account and have not agreed a formal overdraft limit with us; or
- The payment takes you over your arranged overdraft limit;
You may have to pay charges/interest as a result. If you do not have an agreed overdraft or you exceed your arranged overdraft limit then we will only charge you unarranged overdraft debit interest. We will give you at least 14 days notice before deducting debit interest or charges from your account.Please contact your account manager if you need assistance in managing your account or are struggling with your finances.
Monthly cap on unarranged overdraft charges1. Each current account will set a monthly maximum charge for:(a) going overdrawn when you have not arranged an overdraft; or(b) going over/past your arranged overdraft limit (if you have one).2. This cap covers any:(a) interest and fees for going over/past your arranged overdraft limit;(b) fees for each payment your bank allows despite lack of funds; and(c) fees for each payment your bank refuses due to lack of funds.
Electronic statementsAt Handelsbanken we are committed to reducing our paper usage in order to move towards a low-carbon economy. To help you reduce your carbon footprint you can opt to receive your account statements electronically.To go paperless, please log-inOpens in a new window to your Individual Online Banking, select 'Correspondence' and tick the 'Online' box to receive paperless statements.
Customers can request a copy of their transaction history upon account closure and for a period of five years following closure. Should you wish to receive this information please speak to your contact within the branch.
Your rights when making payments in Europe
To find out more please click on the link below:
The Second Payment Services Directive (PSD2)
Please click on the below link to find out more information about the EU Payment Services Directive.
Holding funds on behalf of our corporate customersHandelsbanken plc is a fully authorised and regulated bank in the UK, which means that we hold all funds deposited with us as a 'banker', rather than as a trustee or someone managing an investment. This means that we can hold funds on behalf of our corporate customers (who have permission to hold their clients’ money). If you have any questions about the applicability of the FCA’s Client Asset (CASS) rules, please contact our head of regulatory compliance at email@example.com
Handelsbanken is the trading name of Handelsbanken plc, which is incorporated in England and Wales with company number 11305395. Our registered office is 3 Thomas More Square, London, E1W 1WY, UK. Our VAT Registration Number is GB524 9824 25.
Handelsbanken plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 806852.
Handelsbanken plc is a wholly-owned subsidiary of Svenska Handelsbanken AB (publ).Please contact us if you would like further information on any specific regulatory requirements to which we are subject. You can also search Handelsbanken plc on the Financial Services Register at www.fca.org.uk/registerOpens in a new window to find out more about our regulatory permissions.
Handelsbanken plc rating
Handelsbanken's prudent, low-risk banking approach, long-term focus and solid capital position have resulted in consistently strong, stable credit ratings. Please click hereOpens in a new window for Handelsbanken AB (publ)'s credit ratings.
Handelsbanken plc's rating
Standard & Poor's: AA-
As of 19th April 2021.
Anti-bribery and corruption
Reporting malpractice and whistleblowing
Handelsbanken has a zero tolerance of malpractice and it is our policy to conduct all our business in an honest and ethical manner. If you've witnessed something that you believe is wrong, or have concerns about misconduct or unethical behaviour in connection with a Handelsbanken employee, please contact us. Any issue raised will be treated in strict confidence.
If you prefer to send a letter please address it to:
3 Thomas More Square
Modern Slavery Act Statement
The UK Modern Slavery Act 2015 requires that certain organisations annually state the actions that they have taken to ensure that modern slavery and human trafficking do not occur in their supply chains or in their operations.
Deposit protection arrangements
Find out more about Handelsbanken and Open Banking, including our Developer Portal where information on Handelsbanken APIs can be found (please note, the link below will take you to our Group website).