Important information

Details regarding our privacy policy, fair charging policy, regulatory status and more
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  • If you plan to buy cryptocurrency using your Handelsbanken account, the maximum you’ll be able to buy is £1,000 per payment and the cryptocurrency exchange needs to be registered with the Financial Conduct Authority (FCA). A list of registered providers can be found on the FCA website Opens in a new window 

    The FCA is the regulatory body that oversees financial service organisations. Cryptocurrency exchanges that register with the FCA need to comply with money laundering regulations which in turn should reduce the risk of your money being used for illegal purposes. However, registration with the FCA does not protect your money if something happens to the exchange and you may not be able to access the usual ways to resolve financial disputes if things go wrong.

  • The terms and conditions under which we do business with you can be downloaded from the following page.

    Terms and conditions

    Please contact your account manager if you have any questions.

  • Who we are

    Handelsbanken 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 Notice

    Our 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.

    Privacy Notice for client accounts

    This explains how we use the personal information relating to clients of our customers. It only applies where a customer opens a client account with us.

    In addition, hard copies of our privacy notices can also be obtained from your local branch or by calling Handelsbanken Customer Support on 0800 470 8000.

    Please contact us using the options set out in our privacy notices if you have any questions at all.

    Privacy notice for clients (pdf) Opens in a new window

  • We have made changes to the countries we allow payments to be made and received from. Please click on the link below for more information:

    Restricted countries

  • We 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.
     

  • Please use the links below for cut-off times and currency information for Individual and Corporate Banking customers:

    Individual Banking - Payment cut-off times

    Corporate Banking - Payment cut-off times

  • Get ready for the introduction of ISO 20022 the new global standard for payments messaging.

    ISO 20022

  • View current and previous 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.

    Interest rates

  • 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.

    Sort codes

  • Handelsbanken's Fee Information Document (FID) details the standard charges for a range of common banking transactions and services.

    Fee Information Document (pdf) Opens in a new window

    Glossary of terms (pdf) Opens in a new window

  • 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.
     
  • 1. 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.
  • At 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-in Opens 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.

  • To find out more please click on the link below:

    Your rights when making payments in Europe (pdf) Opens in a new window

  • Please click on the below link to find out more information about the EU Payment Services Directive.

    The Second Payment Services Directive (PSD2) Opens in a new window

  • Handelsbanken 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
    uk.compliance@handelsbanken.co.uk

  • 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/register Opens in a new window to find out more about our regulatory permissions.

  • Handelsbanken's prudent, low-risk banking approach, long-term focus and solid capital position have resulted in consistently strong, stable credit ratings. Please click here Opens in a new window for Handelsbanken AB (publ)'s credit ratings.

    Handelsbanken plc's rating
    (Long term)

    Standard & Poor's: AA-

    Fitch: AA

    As of 2 April 2024.

  • Public Policy Statement on Anti-Bribery and Anti-Corruption within Handelsbanken plc

    Handelsbanken plc takes a zero tolerance approach to Bribery and Corruption and we are committed to conducting our activities free from any form of 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.

    Contact details

    whistleblowing@handelsbanken.co.uk

    If you prefer to send a letter please address it to:

    Handelsbanken Compliance
    3 Thomas More Square
    London
    E1W 1WY

  • 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.

    Modern Slavery Statement

  • Protecting your money

    Eligible deposits with Handelsbanken plc are protected up to £85,000 by the UK Financial Services Compensation Scheme. For further information visit www.fscs.org.uk Opens in a new window.

    To view the FSCS leaflet, please click here (pdf) Opens in a new window

  • 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).

    Open Banking Opens in a new window

Becoming a customer

Find out more about becoming a Handelsbanken customer or call 0800 470 8000 to speak to our Customer Connect team.
Becoming a customer

Already a customer

To know more, please speak to your account manager at your local branch.

Find your branch