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Länsförsäkringar Bank Sweden: Share Costs, Order Handling, ISK and Custody Terms

Länsförsäkringar Bank’s Swedish securities service combines a low percentage commission with a SEK 20 minimum and specific partial-fill billing rules. Its current custody and ISK conditions add meaningful restrictions: Swedish tax-residence requirements, bank-approved instruments, different termination procedures and a telephone fallback that can be congested during outages.

By FXBrokers ResearchOperating status: ActiveSources checked 27 Oct 2026Published 26 Oct 2026 · 10:28 GMT+0000Updated 27 Oct 2026 · 12:56 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.

Digital brokerage is 0.05%, minimum SEK 20; the minimum materially affects small orders.
The bank’s terms require the stated Swedish identification and tax-residence conditions for custody/ISK.
Up to ten same-category partial fills share one commission calculation; later groups and new trading days can create new charges.
The current rules expressly address telephone fallback, delayed quotes, security blocking and account closure rather than promising uninterrupted access.

Accounts and eligibility

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Account comparison01

Ordinary custody eligibility

Ordinary custody eligibility
Item	Details
Identification	Swedish personal, coordination or organisation number under the terms.Source 2
Tax residence	Swedish tax residence required by the stated custody opening condition.Source 2
Acceptance	The relationship starts when the bank approves the customer and opens the depot.Source 2

Account comparison02

ISK eligibility and ownership

ISK eligibility and ownership
Item	Details
Holder	One natural person; not a joint or company ISK.Source 3
Tax status	Unlimited Swedish tax liability required under these terms.Source 3
Application	Digital acceptance or the prescribed application, followed by bank approval.Source 3

Account comparison03

Account fees

Account fees
Item	Details
ISK	SEK 0 annual account fee.Source 1
Share/fund depot	SEK 0 in the listed annual schedule.Source 1
IPS pension account	SEK 125 annually; outward IPS transfer SEK 500.Source 1
Boundary	The IPS pension tariff is separate from ordinary custody/ISK.Source 1

View full spreads & trading costs

Products and market access

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Specifications04

Supported-market execution scope

Supported-market execution scope
Item	Details
Primary venues described	Nasdaq Stockholm, NGM and relevant multilateral trading facilities.Source 6
Routing	Orders generally pass through a DMA execution provider.Source 6
Smart routing	For eligible Stockholm shares, the provider searches alternative venues for price.Source 6

Specifications05

Bank-approved instrument range

Bank-approved instrument range
Item	Details
Custody selection	The bank determines which securities it accepts and trades.Source 2 Source 3
ISK selection	Only the bank’s approved eligible investments and cash can be held, subject to special statutory exceptions.Source 2 Source 3
Restriction	A broad risk-information document is not proof that every derivative or overseas market is offered.Source 2 Source 3

Specifications06

Existing OTC holdings

Existing OTC holdings
Item	Details
Service	Sale of existing eligible OTC holdings through telephone dealing.Source 1
Charge	SEK 300 in the stated category.Source 1
Boundary	This sell service is not a general promise that new OTC holdings can be bought.Source 1

Trading and holding costs

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Pricing & charges07

Digital securities commission

Digital securities commission
Item	Details
Rate	0.05%.Source 1
Minimum	SEK 20.Source 1
Channels	Internet/mobile banking in the stated category.Source 1
Additional costs	Product and third-party costs can remain separate where applicable.Source 1

Pricing & charges08

Partial-fill fee grouping

Partial-fill fee grouping
Item	Details
First group	Up to ten qualifying partial fills are combined for the stated commission calculation.Source 1
Next groups	A new calculation begins at the 11th, 21st and corresponding later fill.Source 1
New day/direction/security	A separate calculation applies under the tariff’s grouping rules.Source 1

Pricing & charges09

Domestic and SEPA cash transfers

Domestic and SEPA cash transfers
Item	Details
Domestic online	SEK 0.Source 1
Domestic assisted	SEK 100.Source 1
SEPA online	SEK 0.Source 1
SEPA assisted	SEK 50.Source 1

Pricing & charges10

Other international bank payments

Other international bank payments
Item	Details
Ordinary outward	SEK 50 online or SEK 150 assisted.Source 1
OUR-cost option	SEK 200 online or SEK 300 assisted under the specified service.Source 1
Incoming ordinary	SEK 30; incoming SEPA SEK 0.Source 1
Scope	Bank-payment fees are not a quoted securities FX-conversion percentage.Source 1

Platforms, orders and execution

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Process11

Default validity and confirmations

Default validity and confirmations
Item	Details
Default instruction	Same-day validity unless otherwise specified.Source 2
During market session	Normally valid until that venue closes.Source 2
Confirmation	Available online the following day under the custody terms; not automatically mailed.Source 2

Process12

Orders outside market hours

Orders outside market hours
Item	Details
Outside session	Queued for dispatch at the next market opening in receipt order.Source 6
Multi-day order	Withdrawn from the market at the close and resubmitted the next day under the stated policy.Source 6
Execution conditions	Customer terms, matching rules and market conditions determine whether it fills.Source 6

Process13

Routing and price controls

Routing and price controls
Item	Details
Price check	Automatic control for excessive deviation from the last trade under venue rules.Source 6
Specific instruction	Can override parts of ordinary best-execution handling.Source 6
Unsupported instruction	The bank need not follow an instruction that conflicts with law or market/provider rules.Source 6

Process14

Quote and research limitations

Quote and research limitations
Item	Details
Quotes	The terms state that price information is delayed.Source 2
Analysis	May be available through the online service.Source 2
Use	A displayed indication is not an assurance of the eventual execution price.Source 2

Process15

Telephone fallback during disruption

Telephone fallback during disruption
Item	Details
Alternative	Telephone dealing during the telephone bank’s normal hours, or a local office offering the service.Source 2
Capacity	The terms warn that heavy outage-related demand can severely limit phone access.Source 2
Changed online order	A telephone amendment can be treated as a manual order with higher charges.Source 2

Funding, settlement and transfers

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Process16

Moving securities into ISK

Moving securities into ISK
Item	Details
Own eligible holdings	May be transferred where the bank permits and accepts them.Source 3
From ordinary custody	Treated as a sale for tax purposes under the account terms.Source 3
Unsupported holdings	The bank can refuse non-approved or ineligible assets.Source 3

Process17

Moving an ISK to another provider

Moving an ISK to another provider
Item	Details
Check first	The client must confirm the receiving provider can accept the assets.Source 3
Completion	The move is complete when assets are recorded on the receiving ISK.Source 3
Ownership	The ISK itself is not transferable to a different account holder.Source 3

Process18

ISK termination process

ISK termination process
Item	Details
Bank notice	Normally 60 days.Source 3
Customer notice	Normally 30 days through the accepted banking/contact routes.Source 3
Remaining assets	The client must direct their transfer or disposal; the account closes after the necessary assets have been removed.Source 3

Process19

Failure to direct assets after ISK notice

Failure to direct assets after ISK notice
Item	Details
Instruction deadline	The terms give the stated 30-day period to provide destination/disposal instructions.Source 3
Bank powers	May sell investments and/or move assets as specified when instructions are absent.Source 3
Consequences	Account termination can create actual disposal and tax consequences; it is different from a fee-free inactive account.Source 3

Process20

Ordinary-depot termination

Ordinary-depot termination
Item	Details
Bank notice	Normally two months.Source 2
Customer notice	Normally one month through the accepted written/electronic arrangement.Source 2
Immediate termination	Material breach or specified tax-residence changes can trigger the stated exceptions.Source 2

Custody and client protection

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Protections & eligibility21

Cash deposit guarantee

Cash deposit guarantee
Item	Details
Bank cash	The ISK cash account is covered under the bank’s stated Riksgälden decision.Source 3 Source 8
2026 ordinary limit	SEK 1,150,000 per eligible depositor and institution.Source 3 Source 8
Aggregation	Other deposits at Länsförsäkringar Bank share the institution limit.Source 3 Source 8

Protections & eligibility22

Custody asset protection

Custody asset protection
Item	Details
Separation	Client instruments are kept separate from bank assets under the terms.Source 3 Source 9
Non-return limit	SEK 250,000 under the Swedish investor-protection scheme.Source 3 Source 9
Claim deadline	Normally within one year of bankruptcy; market losses are not covered.Source 3 Source 9

Protections & eligibility23

Authentication and access blocking

Authentication and access blocking
Item	Details
Credential compromise	Contact the bank promptly and replace compromised credentials under its procedure.Source 2
Incorrect-code attempts	The terms allow blocking after three consecutive incorrect attempts in the stated mechanism.Source 2
Market/customer protection	The bank can restrict electronic access or orders for the specified legal, contractual or protective reasons.Source 2

Support, complaints and records

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Process24

Bank identity and contact

Bank identity and contact
Item	Details
Provider	Länsförsäkringar Bank AB (publ).Source 5
Organisation number	516401-9878.Source 5
Telephone	08 5884 1600 in the official consumer information.Source 5
Language	The relationship and consumer information use Swedish under the stated terms.Source 5

Process25

Accepted communication routes

Accepted communication routes
Item	Details
Routine contact	Internet banking, telephone banking, visit or post as permitted by the relevant agreement.Source 3 Source 2
Email	Requires a specific agreement; it is not a universal order channel.Source 3 Source 2
Order evidence	Check online confirmations and raise discrepancies promptly.Source 3 Source 2

Process26

Reporting and records

Reporting and records
Item	Details
Annual statement	Free under the tariff.Source 1 Source 3 Source 4
ISK information	Bank supplies the annual standardised-income information to Skatteverket.Source 1 Source 3 Source 4
Client review	Risk/service information instructs clients to examine confirmations and report errors promptly.Source 1 Source 3 Source 4

Research and additional services

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Availability27

Corporate-action instructions

Corporate-action instructions
Item	Details
New issue	Bank informs the client of relevant pre-emptive events under the terms.Source 3
Unexercised rights	Without instructions by the stated three-bank-day threshold, the bank may sell rights if practicable and appropriate.Source 3
Guarantee boundary	This is a conditional service, not a promise that every right will be sold at a favourable price.Source 3

Availability28

Advice and ongoing monitoring

Advice and ongoing monitoring
Item	Details
Advice	Any advice must be understood within the agreed investment service.Source 4
Monitoring	The reviewed information does not make an advised investment continuously monitored by default.Source 4
Product risk	Investment suitability and potential loss remain distinct from custody and account-fee treatment.Source 4

Company and service history

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Regional comparison29

Regional distribution and legal bank

Regional distribution and legal bank
Item	Details
Legal bank	Länsförsäkringar Bank AB (publ).Source 5 Source 7
Local distribution	Regional Länsförsäkringar companies provide local relationships and can have differing service conditions.Source 5 Source 7
Profile scope	National bank documents govern the stated figures; a local offer should be checked against its own terms.Source 5 Source 7
Website route	The linked product page opens the Stockholm regional portal. National bank PDFs support the stated tariff figures.Source 7 Source 1

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.

Länsförsäkringar Bank AB (publ)

SwedenSource 5 Source 3

No separate licence entry is recorded in this panel.

Cost illustrations and practical implications

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Scenarios30

Calculated digital brokerage

Calculated digital brokerage
Item	Details
SEK 1,000 order	SEK 20 minimum: 2% of value.Source 1
SEK 10,000 order	SEK 20 minimum: 0.20%.Source 1
SEK 100,000 order	SEK 50 at 0.05%.Source 1
Exclusions	Spread, taxes and any other applicable service costs.Source 1

Scenarios31

Partial-fill illustration

Partial-fill illustration
Item	Details
Ten qualifying fills on one day	One grouping under the stated rule.Source 1
Eleven qualifying fills	A second group begins at fill eleven.Source 1
New trading day	Can create a separate commission calculation even when the original instruction continues.Source 1

Follow the evidence

Sources & further reading

LF Bank official Swedish private retail price list effective 1 June 2026 Länsförsäkringar Bank · Accessed 27 Oct 2026
Länsförsäkringar Bank: securities-custody conditions effective 1 January 2026 Länsförsäkringar Bank — Swedish Securities Trading · Accessed 27 Oct 2026
Länsförsäkringar Bank: ISK conditions effective 1 January 2026 Länsförsäkringar Bank — Swedish Securities Trading · Accessed 27 Oct 2026
Länsförsäkringar 2026 bank investment service instrument risks Länsförsäkringar Bank · Accessed 27 Oct 2026
Länsförsäkringar consumer withdrawal and service information Länsförsäkringar Bank · Accessed 27 Oct 2026
Länsförsäkringar Bank: order-execution policy effective 15 December 2025, January 2026 edition Länsförsäkringar Bank — Swedish Securities Trading · Accessed 27 Oct 2026
Länsförsäkringar securities product page — Stockholm regional portal Länsförsäkringar · 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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ExploreBroker profiles Securities and market access Sweden

Ordinary custody eligibility

ISK eligibility and ownership

Account fees

Supported-market execution scope

Bank-approved instrument range

Existing OTC holdings

Digital securities commission

Partial-fill fee grouping

Domestic and SEPA cash transfers

Other international bank payments

Default validity and confirmations

Orders outside market hours

Routing and price controls

Quote and research limitations

Telephone fallback during disruption

Moving securities into ISK

Moving an ISK to another provider

ISK termination process

Failure to direct assets after ISK notice

Ordinary-depot termination

Cash deposit guarantee

Custody asset protection

Authentication and access blocking

Bank identity and contact

Accepted communication routes

Reporting and records

Corporate-action instructions

Advice and ongoing monitoring

Regional distribution and legal bank

Legal entities & licences

Calculated digital brokerage

Partial-fill illustration

Sources & further reading

Connected coverage