Navigate to main page content
PrivateBusiness
Become a customer

Company cards

Mastercard ensures smooth transactions all over the world

More opportunities for your business

Special offer! No issuing fee and monthly fee for 3 months if you order a credit card by 22.03.

  • All of the cards can be used to make contactless payments and purchase goods and services online.
  • Contactless payments with Apple Pay, Google Pay, Android app, and smart watches.
  • Our wide network of ATMs offers convenient possibilities for cash related services.
  • Order the card to your company's contact address.
  • New! View card’s details and PIN code in the app.

 

Effective as of 01.11.2023 Effective as of 01.01.2024
Business Credit Card
issue fee 5 €
monthly fee 3 €
annual interest rate When paying by card there is an interest-free period of up to 30 days from the purchase until the payment date (the 1st calendar day of the following month).Upon withdrawing cash and making a payment from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account. 18%
penalty 0.2% a day
Business Gold Credit Card
issue fee 10 €
monthly fee 10 €
annual interest rate When paying by card there is an interest-free period of up to 40 days from the purchase until the payment date (the 10th calendar day of the following month).Upon withdrawing cash and making a payment from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account. 14%
penalty 0.2% a day

Transactions with credit cards

 
Depositing euros using a credit card in Swedbank terminal in Estonia A limit of 15 000 € per month on cash deposited in ATMs will be applied to credit cards. The fee is charged on the amount that exceeds 5 000 € per calendar month and the cash is deposited in home bank’s terminal. The service fee is client-based and calculated based on a calendar month. up to 5000 € per calendar month free of charge;
0,3% of the amount exceeding 5000 € per month
Cash withdrawal The service fee according to the operator’s price list may be added for the use of another operator’s ATM. 2 € + 2,5% of the amount
Transfer from credit card limit account according to regular bank transfers pricelist
Replacement of a card 7 €
Statement of transactions
in last month free of charge
a previous month 4 € per month
Amendment of a credit card agreement
increasing of the credit limit at branch 10 €
amendment of the agreement 10 € (excl. changing of usage limits)
amendment of the agreement in Internet Bank free of charge
Debt notice 3 €
Penalty for using a closed card 65 €
Copy of a receipt (inquiry)
a transaction in Estonia 4 €
a transaction abroad 8 €
Balance inquiry and statement in Swedbank’s terminals in Estonia free of charge
Balance inquiry in other bank’s terminals in Estonia and abroad The availability of the service in a foreign country depends on the foreign bank's ATM technical possibilities and service can be used with Mastercard/Maestro cards. 0,32 € per query
Demand for refund, unjustified
a transaction in Estonia 12 €
a transaction abroad In case disputing card transaction made abroad, additional costs of the card organizations may apply. 16 € (in case disputing card transaction made abroad, additional costs of the card organizations may apply)
Sending a card from one branch to another VAT will be added to the price. 2,08 € 2,05 €
Sending a card by mail free of charge
Conversion fee for transactions in foreign currencies Added to the amount of every transaction made with the card if the card transaction is in a currency other than the euro. 1% of transaction amount
Retrieval of bank cards from other banks from Swedbank ATMs 30 €

documentBusiness Credit Card agreement terms and conditions

 

Effective as of 01.11.2023 Effective as of 01.01.2024
Business Debit Card
Issuing the first debit card associated with a client free of charge
issuing subsequent debit cards 2,50 €
monthly fee 2 €
renewal free of charge
A temporary ATM card (valid for 1 month)
opening 5 €

Transactions with debit cards

 
Depositing euros using a debit card in Swedbank terminal in Estonia A limit of 15000 € per month on cash deposited in ATMs will be applied to debit cards. The fee is charged on the amount that exceeds 5000 € per calendar month and the cash is deposited in home bank’s terminal. The service fee is client-based and calculated based on a calendar month. up to 5000 € per calendar month free of charge;
0,3% of the amount exceeding 5000 € per month
Cash withdrawal
from Swedbank ATMs (incl. Estonia, Latvia, Lithuania, Sweden) ATM in Sweden is Bankomat. 0,19 € + 0,3% of the amount
From other bank’s terminals in Estonia and abroad The service fee according to the operator’s price list may be added for the use of another operator’s ATM. 2 € + 2,5% of the amount
Balance inquiry and statement in Swedbank’s terminals in Estonia free of charge
Balance inquiry in other bank’s terminals in Estonia and abroad The availability of the service in a foreign country depends on the foreign bank's ATM technical possibilities and service can be used with Mastercard/Maestro cards. 0,32 € query
Making payments in ATMs and payment terminals using debit cards
intra-bank payment 0,16 €
domestic payment 0,38 €
Copy of a receipt (inquiry)
a transaction in Estonia 4 €
a transaction abroad 8 €
Demand for refund, unjustified
a transaction in Estonia 12 €
a transaction abroad In case disputing card transaction made abroad, additional costs of the card organizations may apply. 16 € (in case disputing card transaction made abroad, additional costs of the card organizations may apply)
Sending a card from one branch to another one VAT will be added to the price. 2,08 € 2,05 €
Sending a card by mail free of charge
Conversion fee for transactions in foreign currencies Added to the amount of every transaction made with the card if the card transaction is in a currency other than the euro. 1% of the transaction amount
Penalty 0,2% a day
Penalty for using a closed card 65 €
Retrieval of bank cards from other banks from Swedbank ATMs 30 €

documentDebit Card agreement terms and conditions

Your company's financial security is one of Swedbank's top priorities. We encourage you to be responsible users of payment cards and to observe the security conditions for payment cards usage.

  • Only the cardholder - the person whose name appears on the card - may use the card. Do not let anyone, even a close person, to use the card issued in another person’s name.
  • Make sure that you as a cardholder always know where your payment card is.
  • If you pay by card, do not let the person serving you take it to a back room on their own because card data may be stolen.
  • Always check the transaction amount that you approve with the card.
  • Check card transactions regularly via Business Internet Banking or the Swedbank mobile app. If any transaction seems suspicious, please contact the bank immediately.
  • It is not recommended to send card number by post or disclose it over the telephone when making a purchase because card data may be misused for fraudulent transactions but, if there are no other options, please be extra careful.
  • Be careful when using the ATMs of other banks. Some ATMs return payment card before dispensing the money. Make sure that you collect your payment card and the requested amount of cash before you leave the ATM.
  • In case of a new card, the PIN is issued in a separate envelope. Renewed card will keep its former PIN.
  • Do not tell or show the PIN to anyone, not even to bank employees.
  • Memorise it, do not write down the PIN on the card or anywhere else where it can be seen by others.
  • NEW! Check your card’s PIN code in the Swedbank app. Its secure, easy and will help, if you forget your original PIN or cannot remember it after changing.
  • Try to enter the PIN so that no one else can see it. The card can be stolen and be used by somebody else. If the card with PIN code is used by a thief, it is the customer’s own responsibility.
  • If you suspect that the PIN has become known to someone else or if the bank has notified you of the need to change your PIN, you must change it immediately. It can be done at any Swedbank ATM. When selecting new PIN, do not re-use your old PIN.
  • Do not use identical PIN codes for different cards.
  • In security reasons it is allowed to insert PIN wrongly only 2 times. After 3rd time PIN will be automatically blocked:

    • If you block your PIN in POS then you can unblock it in ATM by inserting the correct one in first time.
    • If you block your PIN in ATM you need to order the new card.
  • If a bank card is lost or stolen, it must be closed immediately. This can be done on the Business Internet Banking site, the mobile app or by calling our business client consultation centre on 6 132 222. For security reasons, we advise cardholders to keep Swedbank's phone number in their phone's memory.
  • If your card is lost or stolen abroad and you are unable to contact us, you can block the card by calling the 24-hour MasterCard card foreign helpline +1 636 722 7111 (charged).

Using cash not only brings environmental issues but also may support the shadow economy. By moving from cash to digital payments, we can protect our planet, remove the anonymity of transactions, and even more - save time spent managing money.

  1. Pay digitally. It helps you track your expenses, set the limits for certain expense categories, and identify where you can manage your consumption habits.
  2. Be aware of non-recyclable receipts. Paper receipts are made from non-recyclable thermal paper. When paying by card, ask for a paperless receipt which you can receive online by e-mail.
  3. Contactless payments are clean and hygienic. By using contactless payments, you can reduce the physical contact between different people who are exchanging banknotes or touching the ATM.

The total volume of card payments in the Baltics increased by 45% during the last 6 years. Paying by card is hygienic, quick and flexible - use contactless or chip and PIN transactions.


{ "xAxis": { "visible": true, "categories": ["2012", "2013", "2014", "2015", "2016", "2017", "2018", "2019", "2020", "2021", "2022"] }, "yAxis": { "visible": true, "title": "" }, "legend": { "enabled": true }, "plotOptions": { "column": { "dataLabels": { "enabled": false } } } }

Source: Swedbank

Measure your cash payments’ CO2 footprint and see how many trees are needed to absorb the emissions created per year.

Cash payments

  • 0
  • 0

If you paid by card, you could save

  • 0
  • 0

Source: Lindgreen, E.R., van Schendel, M., Jonker, N. et al. (2018); Hanegraaf, R., Larçin, A., Jonker, N. et al (2020)

Take care of your safety with Travel insurance which now includes COVID-19 cover.

For business trips taking place from 6 May 2021 we're offering a Travel Insurance COVID-19 cover for Business Gold Credit Card holders at no additional fee. It provides increased risk protection and protection against unexpected expenses for cardholders and 3 colleagues travelling together. The cover is automatically valid while aboard if any of the preconditions apply:

  • negative COVID-19 test result within 72 hours prior to the start of the trip;
  • confirmation that you have been infected with COVID-19 within the last 6 months and you are recovered;
  • full vaccination certificate.

Preconditions are not needed if trip is cancelled due to COVID-19 sickness or self-isolation before the trip.

For example, we will compensate coronavirus related medical expenses abroad, travel disruption costs if you are not allowed to enter to public transport due to COVID-19 symptoms and travel cancellation costs if you have received a positive coronavirus test or you are a close contact person. Travel disruption caused by authorities (e.g. closed borders, lockdowns) is not covered.

Carefully consider the need to go abroad.

Swedbank logo

Internet Exploreriga ei saa internetipanka avada.

Palun kasuta Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i.

Alates 23. märtsist ei ole võimalik Internet Exploreri veebibrauseri kaudu Swedbanki internetipanka avada.

Internet Exploreri kaudu ei saa teha ega kinnitada Swedbanki makseid ka teistel veebilehtedel.

Soovitame kasutada Internet Exploreri asemel Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i uusimat versiooni. Nende seadistamise juhendid leiad siit.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Klienditugi - Инфо и помощь - Customer service: +372 6 310 310

Swedbank
  • Teie operatsioonsüsteem ja veebilehitseja ei ole kaasaegne ega toetatud Swedbank internetipanga poolt. Palun uuendage oma operatsioonsüsteem ja veebilehitseja või pöörduge vastava IT tehnilise spetsialisti poole.
  • The operating system of your device & your browser are too outdated to be supported by Swedbank Internet Bank. Please, update the operating system & browser or turn to IT specialist for technical help.
  • Ваш браузер или операционная система недостаточно современны для использования в интернет банке Swedbank. Пожалуйста обновите операционную систему и браузер или обратитесь за технической помощью к ИТ специалисту.

You have been logged out from Internet bank

For extra security close the browser window. If you wish to continue using Internet bank, please log in again.