{"id":401,"date":"2023-10-14T12:16:40","date_gmt":"2023-10-14T12:16:40","guid":{"rendered":"https:\/\/moneyhub.ee\/?page_id=401"},"modified":"2025-10-06T15:31:15","modified_gmt":"2025-10-06T13:31:15","slug":"bank-accounts","status":"publish","type":"page","link":"https:\/\/moneyhub.ee\/en\/bank-accounts\/","title":{"rendered":"Bank Accounts"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"401\" class=\"elementor elementor-401\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22489b61 e-flex e-con-boxed e-con e-parent\" data-id=\"22489b61\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-496f58ce elementor-widget elementor-widget-shortcode\" data-id=\"496f58ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4964cdf8 e-flex e-con-boxed e-con e-parent\" data-id=\"4964cdf8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-369b4849 ddddf e-flex e-con-boxed e-con e-child\" data-id=\"369b4849\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32c9dd49 e-flex e-con-boxed e-con e-parent\" data-id=\"32c9dd49\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2ad4f32e ddddf e-flex e-con-boxed e-con e-child\" data-id=\"2ad4f32e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d90eff6 elementor-widget elementor-widget-text-editor\" data-id=\"5d90eff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1><strong>Compare bank accounts and switch if necessary<\/strong><\/h1><h2><strong>Compare bank accounts, including the no monthly fee bank accounts and those with perks.<\/strong><\/h2><p><em><strong>MoneyHub experts say:<\/strong> When it comes to choosing a current account for every day banking there isn&#8217;t much difference between the main banks in Estonia. There are many different bank accounts on offer, from current accounts to student accounts, and from app-based accounts to packaged accounts. However your choice of bank may come down to your simple personal preferences. This may be guided by how easy you find the online service. Or which app you prefer and your experience with customer service.\u00a0<\/em><\/p><p><em>Switching banks can help you save money by finding better deals like lower interest rates on loans and higher interest rates on savings accounts, as well as additional offerings and products. If your searching for a loan or finance don&#8217;t automatically choose your current account bank &#8211; just because you use it very day. There are better deals out there, so shop around.\u00a0<\/em><\/p><p><em>Please note are research is based on reasonable use of ATM services and the assumption that you will need a debit card to go with your account as some back charge twice for this. Also are prices are based on an adult age of 30. So most banks offer better deals if your past 65 or are a student. So once again shop around for a better deal.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-34922cfc e-flex e-con-boxed e-con e-parent\" data-id=\"34922cfc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-294f3391 table-overflow tablepress-nwdesign elementor-widget elementor-widget-shortcode\" data-id=\"294f3391\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<table id=\"tablepress-29\" class=\"tablepress tablepress-id-29 highlight-rows-1-3 tablepress-responsive\" cellpadding=\"0\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\" style=\"width:20%;\"><\/td><td class=\"column-2\" style=\"width:20%;\"><\/td><th class=\"column-3\" style=\"width:20%;\">ATM tasu<\/th><th class=\"column-4\" style=\"width:20%;\">Kuumaks<\/th><th class=\"column-5\">Rahvusvaheline makse<\/th><th class=\"column-6\">Raha tagasi<\/th><td class=\"column-7\"><\/td><td class=\"column-8\"><\/td>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\swedebank.png\"><\/td><td class=\"column-2\">Swedbank AS<\/td><td class=\"column-3\">Tasuta<\/td><td class=\"column-4\">1.28<\/td><td class=\"column-5\">0,16<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/4.0.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.swedbank.ee\/private\/home\/more\/pricesrates\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\coop.png\"><\/td><td class=\"column-2\">Coop Pank AS<\/td><td class=\"column-3\">Tasuta<\/td><td class=\"column-4\">2.49<\/td><td class=\"column-5\">6<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/4.0.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.cooppank.ee\/s3fs-public\/hinnakirjad\/hinnakiri_era_ENG_01.10.2021.pdf\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\lhv.jpg\"><\/td><td class=\"column-2\">AS LHV Pank<\/td><td class=\"column-3\">1<\/td><td class=\"column-4\">1<\/td><td class=\"column-5\">7<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/3.5.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.lhv.ee\/et\/hinnakiri\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\seb.jpg\"><\/td><td class=\"column-2\">AS SEB Pank<\/td><td class=\"column-3\">Vaba kuni 1000<\/td><td class=\"column-4\">2<\/td><td class=\"column-5\">0.38<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/4.0.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.seb.ee\/hinnakiri\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\tbb.png\"><\/td><td class=\"column-2\">AS TBB pank<\/td><td class=\"column-3\">1<\/td><td class=\"column-4\">1<\/td><td class=\"column-5\">0.38<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/3.0.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.tbb.ee\/wp-content\/uploads\/2024\/01\/Hinnakiri-eraisikud-EST-12.03.2024.pdf\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\luminor.png\"><\/td><td class=\"column-2\">Luminor Bank AS<\/td><td class=\"column-3\">Vaba kuni 600<\/td><td class=\"column-4\">2.8<\/td><td class=\"column-5\">Free<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/3.0.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/luminor.ee\/era\/erakliendi-arvelduspakett?static=true\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\inb.png\"><\/td><td class=\"column-2\">AS Inbank<\/td><td class=\"column-3\"><\/td><td class=\"column-4\">2.5<\/td><td class=\"column-5\"><\/td><td class=\"column-6\">2% Piiratud m\u00fc\u00fcgikohtades<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/3.0.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/inbankpay.ee\/ee\/et\/cards\/prices\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\bigbank.png\"><\/td><td class=\"column-2\">Bigbank AS<\/td><td class=\"column-3\">Avaldamata<\/td><td class=\"column-4\">Avaldamata<\/td><td class=\"column-5\">Avaldamata<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/2.0.svg\"><\/td><td class=\"column-8\"><\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\holm.png\"><\/td><td class=\"column-2\">Holm Bank AS<\/td><td class=\"column-3\">Avaldamata<\/td><td class=\"column-4\">Avaldamata<\/td><td class=\"column-5\">Avaldamata<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/2.0.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.holmbank.ee\/et\/eraklient\/hinnakiri\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-29 from cache --><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45dfbd38 e-flex e-con-boxed e-con e-parent\" data-id=\"45dfbd38\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e3fe558 elementor-widget elementor-widget-heading\" data-id=\"1e3fe558\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bank Accounts FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57d3dda3 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"57d3dda3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-57d3dda3\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"57d3dda3\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-do-we-calculate-our-star-ratings\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-1471\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How do we calculate our star ratings?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1471\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"how-do-we-calculate-our-star-ratings\"><p><span style=\"font-weight: 400\">Our star ratings are based on the headline rate offered, our consumer base feedback, additional charges, ease of business, and value-added benefits.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-is-a-bank-account\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-1472\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What is a bank account?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1472\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"what-is-a-bank-account\"><p>A bank account is a type of financial account that keeps your money secure and helps you manage your finances. They give you an easy way to make payments to others (for example, standing orders, foreign exchange payments and bank transfers) and let people pay you (for example, your employer). You&#8217;ll also get a debit card, which allows you to make payments and withdraw cash from a ATM.<\/p><p>While you may use other money products, such as credit cards or savings accounts, it\u2019s generally your current account that lets you make payments into each one, or pay bills, meaning everything works smoothly together.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-do-i-compare-bank-accounts\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-1473\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How do I compare bank accounts?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1473\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"how-do-i-compare-bank-accounts\"><p>When considering which bank account to go for, it&#8217;s important to consider first which features you want your account to offer. Some bank accounts will pay interest on your balance, while others won&#8217;t offer any. There are accounts which offer features like cashback on household bills, travel insurance and 0% overdrafts. It&#8217;s worth deciding which of these is most important to you, to help evaluate what works for you and what doesn&#8217;t.<\/p><p>Also worth weighing up is how you open and manage the account. Do you want a bank account you can open online? Or are you more keen on being able to head into a branch to sort things out?\u00a0<\/p><p>And it&#8217;s very important to check the account&#8217;s eligibility criteria before applying. Certain bank accounts come with fees, or require you to pay in a certain amount each month to qualify for the features they offer.\u00a0<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"whats-the-difference-between-a-standing-order-and-a-recurring-payment\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-1474\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What's the difference between a standing order and a recurring payment?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1474\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"whats-the-difference-between-a-standing-order-and-a-recurring-payment\"><p>A standing order is an instruction from you, to your bank, to pay a fixed amount of money to an account. You can send a standing order to any account, bill, mortgage payment or organisation. You have full control over how much and how frequent the payments should be, as you set them up yourself.<\/p><p>A recurring payment (or continuous payment authority \u2013 CPA) is where you give a company your card details, and they use them to set up a regular or continuous payment from your card. You&#8217;ll know if it&#8217;s a recurring payment if you give the company your 16-digit card number, rather than your bank account number IBAN.<\/p><p>They&#8217;re usually used if you&#8217;re paying for a subscription, like a TV streaming service or recipe box. With these payments you have very little control over how much or when they&#8217;ll take out your money, and you usually won&#8217;t be informed that the company will be taking a payment.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"do-bank-accounts-come-with-a-debit-card\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-1475\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Do bank accounts come with a debit card?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1475\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"do-bank-accounts-come-with-a-debit-card\"><p>Most do, but you can even get a virtual debit card too, or this alone. Virtual debit cards cannot be physically stolen and can be stopped quicker in a case of fraudulent use.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-documents-are-needed-for-opening-an-account-for-estonian-residents\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"6\" aria-controls=\"elementor-tab-content-1476\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What documents are needed for opening an account for Estonian Residents?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1476\" class=\"eael-accordion-content clearfix\" data-tab=\"6\" aria-labelledby=\"what-documents-are-needed-for-opening-an-account-for-estonian-residents\"><p><strong>Documents submitted to the bank:<\/strong><\/p><ul><li>Customer\u2019s identity document<ul><li>Identity card of a citizen of Estonia, another member state of the European Union, a member state of the European Economic Area or the Swiss Confederation (ID card)<\/li><li>Estonian or foreign passport (travel document)<\/li><li>Residence permit card issued in Estonia<\/li><li>Driving license issued in Estonia<\/li><\/ul><\/li><li>Notarial power of attorney and identity document of the authorised person in case the authorised person wishes to open an account, or an authorised person communicates with a bank representative on the topic of opening an account on behalf of a client<\/li><li>In case of opening an account for a minor, the identity document of the parent or guardian<\/li><li>In case of opening an account for a person with limited legal capacity, the identity document and court decision of the guardian (preferably digital)<\/li><li>Customer questionnaire<\/li><li>Other additional documents requested by the bank<\/li><\/ul><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-documents-are-needed-for-opening-an-account-for-citizens-of-the-eea\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"7\" aria-controls=\"elementor-tab-content-1477\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What documents are needed for opening an account for Citizens of the EEA?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1477\" class=\"eael-accordion-content clearfix\" data-tab=\"7\" aria-labelledby=\"what-documents-are-needed-for-opening-an-account-for-citizens-of-the-eea\"><p>Documents submitted to the bank:<\/p><ul><li>Customer\u2019s identity document<\/li><li>Identity card of a citizen of a Member State of the European Union (incl. Estonia), a Member State of the European Economic Area or the Swiss Confederation (ID card)<\/li><li>Foreign passport (travel document)<\/li><li>Notarial power of attorney and identity document of the authorised person in case the authorised person wishes to open an account, or an authorised person communicates with a bank representative on the topic of opening an account on behalf of a client<\/li><li>Upon opening an account of a minor, the identity document of the parent or guardian, the identity document of the child and the birth certificate<\/li><li>In case of opening an account for a person with limited active legal capacity, the identity document of the guardian and a court judgment<\/li><li>Customer CV or reference to LinkedIn profile<\/li><li>Customer questionnaire<\/li><li>Documents proving the connection with Estonia:<ul><li>lease or employment contract<\/li><li>school certificate<\/li><li>marriage certificate<\/li><li>an extract from the T\u00d6R register<\/li><\/ul><\/li><li>Other additional documents requested by the bank<\/li><\/ul><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-documents-are-needed-for-opening-an-account-for-citizens-of-third-world-countries\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"8\" aria-controls=\"elementor-tab-content-1478\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What documents are needed for opening an account for Citizens of \"Third World\" Countries?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1478\" class=\"eael-accordion-content clearfix\" data-tab=\"8\" aria-labelledby=\"what-documents-are-needed-for-opening-an-account-for-citizens-of-third-world-countries\"><p><strong>Documents submitted to the bank:<\/strong><\/p><ul><li>Client\u2019s identity document:<ul><li>Customer\u2019s foreign passport (travel document)<\/li><\/ul><\/li><li>Notarial power of attorney and identity document of the authorised person in case the authorised person wishes to open an account, or an authorised person communicates with a bank representative on the topic of opening an account on behalf of a client<\/li><li>Upon opening an account of a minor, the identity document of the parent or guardian, the identity document of the child and the birth certificate<\/li><li>In case of opening an account for a person with limited active legal capacity, the identity document of the guardian and a court judgment<\/li><li>Customer CV or reference to LinkedIn profile<\/li><li>Customer questionnaire<\/li><li>Documents proving the connection with Estonia:<ul><li>lease contract<\/li><li>school certificate<\/li><li>marriage certificate<\/li><\/ul><\/li><li>Other additional documents requested by the bank<\/li><\/ul><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Compare bank accounts and switch if necessary Compare bank accounts, including the no monthly fee bank accounts and those with perks. MoneyHub experts say: When it comes to choosing a current account for every day banking there isn&#8217;t much difference between the main banks in Estonia. There are many different bank accounts on offer, from [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17514,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"elementor_theme","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-401","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/atm-1524871_12801-150x150.jpg",150,150,true],"full":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/atm-1524871_12801.jpg",1280,659,false]},"categories_names":null,"comments_number":"0","rttpg_featured_image_url":{"full":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/atm-1524871_12801.jpg",1280,659,false],"landscape":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/atm-1524871_12801.jpg",1280,659,false],"portraits":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/atm-1524871_12801.jpg",1280,659,false],"thumbnail":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/atm-1524871_12801-150x150.jpg",150,150,true],"medium":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/atm-1524871_12801-300x154.jpg",300,154,true],"large":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/atm-1524871_12801-1024x527.jpg",800,412,true],"1536x1536":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/atm-1524871_12801.jpg",1280,659,false],"2048x2048":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/atm-1524871_12801.jpg",1280,659,false]},"rttpg_author":{"display_name":"Simon Grey","author_link":"https:\/\/moneyhub.ee\/en\/author\/admin\/"},"rttpg_comment":0,"rttpg_category":" <a href=\"https:\/\/moneyhub.ee\/en\/?taxonomy=translation_priority&#038;term=optional\" rel=\"tag\">Optional<\/a><a href=\"https:\/\/moneyhub.ee\/?taxonomy=translation_priority&#038;term=optional-et\" rel=\"tag\">Optional<\/a>","rttpg_excerpt":"Compare bank accounts and switch if necessary Compare bank accounts, including the no monthly fee bank accounts and those with perks. MoneyHub experts say: When it comes to choosing a current account for every day banking there isn&#8217;t much difference between the main banks in Estonia. There are many different bank accounts on offer, from&hellip;","_links":{"self":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/401","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/comments?post=401"}],"version-history":[{"count":4,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/401\/revisions"}],"predecessor-version":[{"id":22572,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/401\/revisions\/22572"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media\/17514"}],"wp:attachment":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media?parent=401"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}