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Handelsbanken Sweden: ISK Versus Depå, International Trading and Transfer Costs

Handelsbanken’s Swedish service supports digital trading in Nordic, US and selected European shares, with broader assisted dealing. Account choice matters: the published ordinary Depå custody charge differs substantially from the fee-free ISK, and foreign securities require both FX-cost and tax-document checks.

By FXBrokers.ai ResearchOperating status: ActiveSources checked 27 Oct 2026Published 26 Oct 2026 · 09:55 GMT+0000Updated 27 Oct 2026 · 12:48 GMT+0000

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Profile scope

Public-document research checked 27 October 2026. Product, account and entity scope is specified alongside the relevant terms.

Nordic digital brokerage starts at 0.09%, minimum SEK 9; US and selected European minima are higher.
The ordinary Depå annual tariff is 0.45% on the first SEK 600,000 and 0.09% above it; ISK has no account fee.
Foreign purchases, sales and dividends can incur 0.25% currency conversion.
Incoming holdings and recurring cash-saving instructions are separate transfer tasks.

Accounts and eligibility

Sections ↑

Account comparison01

Ordinary custody versus ISK

Ordinary custody versus ISK
Item	Details
Depå	Taxable custody account with an asset-based annual fee.Source 5 Source 6
ISK	SEK 0 account fee; statutory investment-savings restrictions apply.Source 5 Source 6
Tax-wrapper change	Moving taxable custody assets into ISK is treated as a sale for Swedish tax purposes.Source 5 Source 6

Account comparison02

Depå ownership arrangements

Depå ownership arrangements
Item	Details
Individuals	Individual and joint custody arrangements are offered.Source 5
Other clients	Companies, institutions, associations and foundations are included in the account description.Source 5
Authorised access	A power-of-attorney arrangement is possible under bank requirements.Source 5

Account comparison03

Assets excluded from ISK

Assets excluded from ISK
Item	Details
Currency	Foreign-currency cash accounts are not held inside this ISK.Source 6
Derivatives	The stated options-account derivatives, futures and FX forwards are excluded.Source 6
Other restrictions	Unlisted shares, specified foreign-currency bonds and qualifying large ownership stakes are excluded.Source 6

View full spreads & trading costs

Products and market access

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Specifications04

Digital share markets

Digital share markets
Item	Details
Nordic markets	Sweden, Denmark, Finland and Norway within the available universe.Source 1 Source 2
United States	Supported US shares, subject to required tax documentation.Source 1 Source 2
Continental Europe	France, the Netherlands and Germany in the published digital tariff.Source 1 Source 2

Specifications05

Broader assisted-market access

Broader assisted-market access
Item	Details
Europe/North America	Separate branch-dealing schedule.Source 3
Other markets	Higher assisted rate; the tariff restricts the listed other-market service to sales.Source 3
Availability	A published market category does not establish every security as tradable.Source 3

Trading and holding costs

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Pricing & charges06

Nordic digital brokerage

Nordic digital brokerage
Item	Details
Standard Nordic shares	0.09%; minimum SEK 9.Source 2
Spotlight	0.25%; minimum SEK 9.Source 2
Fee basis	Percentage of transaction value, with the applicable minimum.Source 2

Pricing & charges07

US and European digital brokerage

US and European digital brokerage
Item	Details
United States	0.09%; minimum SEK 29.Source 2
France, Netherlands, Germany	0.09%; minimum SEK 59.Source 2
Additional costs	Applicable transaction taxes and FX conversion are separate.Source 2

Pricing & charges08

Foreign currency conversion

Foreign currency conversion
Item	Details
Purchases and sales	0.25% conversion charge.Source 2
Foreign dividends	0.25% also applies to the stated dividend conversion.Source 2
Comparison	Brokerage alone understates the cost of a foreign investment requiring conversion.Source 2

Pricing & charges09

Ordinary Depå annual custody

Ordinary Depå annual custody
Item	Details
First SEK 600,000	0.45% annually.Source 5
Value above SEK 600,000	0.09% annually on the excess.Source 5
ISK distinction	Do not assign this ordinary-Depå tariff to the fee-free ISK.Source 5

Pricing & charges10

Assisted Nordic orders

Assisted Nordic orders
Item	Details
First SEK 1 million	0.50%; minimum SEK 175.Source 3
Excess above SEK 1 million	0.30% on the additional amount.Source 3
Unlisted securities	0.50%; minimum SEK 300 in the relevant tariff.Source 3

Pricing & charges11

Assisted foreign orders

Assisted foreign orders
Item	Details
Europe/North America	0.50%; minimum SEK 500.Source 3
Other listed markets	0.65%; minimum SEK 1,000, with sell-only restrictions.Source 3
FX	Conversion remains a separate cost component.Source 3

Platforms, orders and execution

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Process12

Digital and assisted channels

Digital and assisted channels
Item	Details
App/internet bank	Digital dealing and custody information.Source 1 Source 5
Branch	Assisted dealing with different prices and market scope.Source 1 Source 5
Order controls	The Depå service describes stop-loss functionality; instrument availability still matters.Source 1 Source 5

Process13

Corporate actions and ownership

Corporate actions and ownership
Item	Details
Events	The custody service administers relevant corporate actions.Source 5
Joint arrangements	Ownership and authority should match the registered account arrangement.Source 5
Instructions	A time-sensitive corporate action is separate from an ordinary exchange order.Source 5

Funding, settlement and transfers

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Process14

Moving existing shares

Moving existing shares
Item	Details
Incoming transfer fee	SEK 0 charged by Handelsbanken for the incoming move.Source 7
Indicative time	About two weeks for shares.Source 7
Status	Progress can be followed in app/internet banking; timing is indicative.Source 7

Process15

Moving funds and regular saving

Moving funds and regular saving
Item	Details
Fund transfers	Often four to six weeks.Source 7
Fund eligibility	The fund must fit the bank’s supported range; unsupported funds require a separate choice.Source 7
Monthly standing transfer	An existing monthly savings instruction does not automatically migrate with the assets.Source 7

Process16

Tax-wrapper transfer consequences

Tax-wrapper transfer consequences
Item	Details
Depå to ISK	Treated as a taxable disposal under the bank’s explanation.Source 6 Source 7
Like-for-like transfer	Keep account type and ownership clear in transfer instructions.Source 6 Source 7
Liquidation choice	An unsupported holding should not be described as transferred in specie when it must instead be sold.Source 6 Source 7

Custody and client protection

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Protections & eligibility17

Bank cash protection

Bank cash protection
Item	Details
Ordinary limit	SEK 1,150,000 per eligible depositor and institution.Source 6 Source 8
Same-bank accounts	Cash balances aggregate at the legal institution.Source 6 Source 8
Payout timing	The bank describes the statutory seven-business-day payout process when protection is triggered.Source 6 Source 8

Protections & eligibility18

Investment-service protection

Investment-service protection
Item	Details
Non-return compensation	Up to SEK 250,000 under the Swedish investor-protection conditions.Source 5 Source 9
Scope	Eligible assets or investment-service money the institution cannot return.Source 5 Source 9
Excluded losses	Market losses and issuer-price declines are not covered.Source 5 Source 9

Support, complaints and records

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Process19

Customer service and blocking

Customer service and blocking
Item	Details
Customer service	0771 77 88 99; from abroad +46 771 77 88 99.Source 5
Availability	24-hour customer support; this does not imply every market can be dealt around the clock.Source 5
Blocking service	020 41 12 12; from abroad +46 8 411 21 22.Source 5

Process20

Authentication and tax records

Authentication and tax records
Item	Details
Telephone identification	BankID or the bank’s personal-code procedure.Source 5
Annual reporting	The custody service supplies an annual tax summary.Source 5
Authority check	A representative needs the bank’s accepted authorisation.Source 5

Research and additional services

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Availability21

US tax documentation

US tax documentation
Item	Details
Required form	W-8BEN is part of access to the stated US share service.Source 1
Purpose	Establishes the investor’s tax status for the relevant US withholding treatment.Source 1
Account responsibility	The investor must supply accurate and current information.Source 1

Availability22

Nordic cross-border documentation

Nordic cross-border documentation
Item	Details
Norway	Residence-certificate requirements can affect withholding handling.Source 1
Finland	Investor self-declaration documentation is described by the bank.Source 1
Tax scope	A document requirement is not a universal promise of the lowest treaty rate.Source 1

Company and service history

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Regional comparison23

Verified legal bank

Verified legal bank
Item	Details
Name	Svenska Handelsbanken AB.Source 4
Organisation number	502007-7862.Source 4
Supervisory register	Finansinspektionen institution 11123; active bank entry checked.Source 4

Regional comparison24

Scope and legal identifier

Scope and legal identifier
Item	Details
LEI	NHBDILHZTYCNBV5UYZ31.Source 4
Service covered	Swedish retail securities custody and dealing.Source 4
Country boundary	Other Handelsbanken entities and markets require their own terms.Source 4

Headquarters: Sweden

The companies behind the brand

Legal entities & licences

These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.

Svenska Handelsbanken AB

SwedenSource 4

Licences and regulatory records for Svenska Handelsbanken AB
Issuer & identifier	Recorded status	Date & scope
Finansinspektionen11123	Authorised	Checked 27 Oct 2026Finansinspektionen institution-record identifier for the matched active Swedish bank. This is the register’s institution number, not an invented separate securities-permission number.Source 4

Cost illustrations and practical implications

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Scenarios25

Calculated ordinary-custody costs

Calculated ordinary-custody costs
Item	Details
SEK 100,000 portfolio	About SEK 450 a year at 0.45%.Source 5
SEK 1 million portfolio	SEK 2,700 on the first 600,000 plus SEK 360 on the excess: SEK 3,060.Source 5
Assumptions	Illustrative constant values; excludes dealing, FX and tax.Source 5

Scenarios26

Calculated SEK 10,000-equivalent orders

Calculated SEK 10,000-equivalent orders
Item	Details
Nordic digital	SEK 9 brokerage.Source 2
US with conversion	SEK 29 minimum plus about SEK 25 FX = about SEK 54.Source 2
France/Germany/Netherlands with conversion	SEK 59 minimum plus about SEK 25 FX = about SEK 84, before taxes and other costs.Source 2

Follow the evidence

Sources & further reading

Official foreign share trading and operational market details Handelsbanken · Accessed 27 Oct 2026
Official online and app brokerage tariff Handelsbanken · Accessed 27 Oct 2026
Official branch and telephone dealing price schedule Handelsbanken · Accessed 27 Oct 2026
Swedish FI register Svenska Handelsbanken AB legal identity and authorisations Swedish Finansinspektionen · Accessed 27 Oct 2026
Handelsbanken: ordinary Depå account, annual custody fee and services Handelsbanken Sweden — Securities Dealing · Accessed 27 Oct 2026
Handelsbanken: ISK fees, excluded instruments and cash protection Handelsbanken Sweden — Securities Dealing · Accessed 27 Oct 2026
Handelsbanken: moving investments, timing and monthly savings Handelsbanken Sweden — Securities Dealing · Accessed 27 Oct 2026
Riksgälden: deposit guarantee limit increased to SEK 1,150,000 from 1 January 2026 Riksgälden · Accessed 27 Oct 2026
Riksgälden: investor protection, eligible non-return claims and exclusions Riksgälden · Accessed 27 Oct 2026

This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.

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Ordinary custody versus ISK

Depå ownership arrangements

Assets excluded from ISK

Digital share markets

Broader assisted-market access

Nordic digital brokerage

US and European digital brokerage

Foreign currency conversion

Ordinary Depå annual custody

Assisted Nordic orders

Assisted foreign orders

Digital and assisted channels

Corporate actions and ownership

Moving existing shares

Moving funds and regular saving

Tax-wrapper transfer consequences

Bank cash protection

Investment-service protection

Customer service and blocking

Authentication and tax records

US tax documentation

Nordic cross-border documentation

Verified legal bank

Scope and legal identifier

Legal entities & licences

Calculated ordinary-custody costs

Calculated SEK 10,000-equivalent orders

Sources & further reading

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