Business Credit Card

Company cards

A card enabling additional money for the company, with which you can also pay bills

  • Transfers in the Internet and mobile bank directly from the credit card account.
  • Paying for goods and services in Estonia as well as abroad.
  • Withdrawing money from ATMs in Estonia as well as abroad.
  • Depositing money into the company’s account through Swedbank’s ATMs across Estonia.
  • The credit card is convenient to use in the company’s daily financial affairs.
  • There is an interest free period of up to 30 days (from the purchase until the payment date) when paying by card. The used limit outstanding by the 1st date at the latest is automatically deducted from the settlement account related to the credit card. If there are insufficient funds in the settlement account for the automatic repayment of the entire used limit, interest calculation commences. If a mandatory standing order is determined in the contract (5% of the credit limit), it is deducted from the account and interest calculation commences on the outstanding used limit.
  • If you wish you can make additional deposits into the credit card account to increase the card limit or repay the used limit at any time.
  • We will issue a credit card for a company that has operated for at least 6 months. The credit limit is calculated on the basis of the company’s turnover and credit history – min. 300 euros.

The user’s rights and limits

The following can be determined for each card owner separately from the credit limit

  • use limits (daily, weekly and monthly limit);
  • use rights (paying by card and/or withdrawing cash).

Secure Internet shopping

We wish for shopping in e-stores to be convenient and secure for you. If you wish to use the card to pay in an e-store, the MasterCard or Visa card used for it must be joined with the secure Internet shopping programme.

Register the card

Company’s contacts

Credit card information

Card user(s) (card users number is not limited)

Existing liabilities outside Swedbank Group (type, financier, amount, deadline)

  • Credit cards

    1. PRIVATE PERSON Effective as of 01.07.2016
    1.1 Revolving credit card (2)
    - monthly fee 1,30 €, free of charge for people up to 25 years of age
    - monthly fee of an additional card 1,30 €
    - annual interest rate 19 - 22%
    - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
    1.2 Fixed payment credit card
    - annual interest rate 19 - 22%
    - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
    - debt notice 3 €
    1.3 Gold Revolving credit card (3)
    - monthly fee 3,70 €
    - monthly fee of an additional card 2,50 €
    - annual interest rate 17 - 20%
    - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
    - debt notice 3 €
    1.4 Visa Platinum credit card (4)
    - monthly fee 12,90 €
    - monthly fee of an additional card 10,90 €
    -Visa Platinum extra package 160,20 € a year (5)
    - annual interest rate 14 - 17%
    - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
    - the Priority Pass salon visit fee  
         - for holder of Visa Platinum card with extra package free of charge
         - for holder of Visa Platinum card without extra package 27 USD per visitor
         - for persons accompanying Visa Platinum cardholder 27 USD per visitor
    1.5 Gold Charge credit card
    - monthly fee of the primary card 5,11 €
    - monthly fee of an additional card 2,56 €
    - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
    - debt notice 3 €
    1.6 Platinum Charge credit card
    - annual fee of the primary card 127,82 €
    - annual fee of an additional card 63,91 €
    - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
    - debt notice 3 €
    - the Priority Pass salon visit fee for a Platinum credit card holder 27 USD per visitor
    1.7 American Express Blue credit card (6,7) 
    - monthly fee of the primary card 1,60 €
    - monthly fee of of an additional card 1,60 €
    - annual interest rate 17 - 20%
    -penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
    1.8 American Express Gold credit card (6,8)
    - monthly fee of the primary card 10,50 €
    - monthly fee of of an additional card 7 €
    - annual interest rate 16 - 19%
    -penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
    - the Priority Pass salon visit fee 27 USD per visitor
    1.9 American Express Platinum credit card (6,9)
    - annual fee of the primary card 475 €
    - annual fee of an additional card 320 €
    - annual interest rate 14%
    -penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
    - the Priority Pass salon visit fee for a cardholder free of charge
    - the Priority Pass salon visit fee for for persons accompanying cardholders 27 USD per visitor
    GENERAL SERVICE AND TRANSACTION FEES
    1. Card opening fee
    - opening a card at branch 2,50 €
    - opening a card in Internet Bank 1,50 €
    2. Payment in a commercial enterprise free of charge
    3. Cash deposit in euros in home bank's terminal (10) - up to 5000 € per calendar month free of charge;
    - 0,25% of the deposited amount that exceeds 5000 € per month
    4. Cash withdrawal 1,92 € + 2.5% of the amount
    5. Transfer from credit card limit account according to regular bank transfers pricelist
    6. Replacement of a card 7 €
    7. Statement of transactions
    - in last month free of charge
    - a previous month 4 € per month
    8. Amendment of a credit card agreement (11)
    - increase of credit limit at branch 1% of the requested additional limit, min 10 €
    - increasing of credit limit in the Internet Bank 3,20 €
    - amendment of the agreement at branch 10 € (excluding changing the user limits)
    - amendment of the agreement in the Internet Bank free of charge
    9. Closure of a credit card free of charge
    10. Penalty for using a closed card 65 €
    11. Copy of a receipt (inquiry)
    - a transaction in Estonia 4 €
    - a transaction abroad 8 €
    12. Balance inquiry and statement in Swedbank’s terminals in Estonia free of charge
    13. Balance inquiry in other bank’s terminals in Estonia and abroad (12) 0,32 € per query
    14. Demand for refund, unjustified
    - a transaction in Estonia 12 €
    - a transaction abroad 16 € (In case disputing card transaction made abroad, additional costs of the card organisations may apply)
    15. Using a Visa or MasterCard assistance service abroad (issue of a temporary credit card abroad) 0 to 130 €, depending on actual costs
    16. Sending a card from one branch to another (13) 2,50 €
    17. Sending a card by mail
    - mail (Estonia) free of charge
    18. Conversion fee for transactions in foreign currencies (14)
    - VISA or MasterCard 1% of transaction amount
    - American Express card 0.5% of transaction amount
    19. Renewal of primary and additional card free of charge
    2. LEGAL PERSONS Effective as of 01.09.2016
    2.1 Business Credit Card (15)
    - issue fee 5 €
    - monthly fee 3 €
    - annual interest rate 18%
    - penalty 0.2% a day
    - debt notice 3 €
    2.2 Business Gold Credit Card (16)
    - issue fee 10 €
    - monthly fee 10 €
    - annual interest rate 14%
    - penalty 0.2% a day
    - debt notice 3 €
    - the Priority Pass salon visit fee 27 USD per visitor
    2.3 Charge card MasterCard Business (17)
    - annual fee 25 €
    - penalty 0.2% a day
    - debt notice 3 €
    2.4 Charge card Visa Business Gold (17)
    - annual fee 120 €
    - penalty 0.2% a day
    - debt notice 3 €
    - the Priority Pass salon visit fee 27 USD per visitor
    2.5 Fixed Payment credit card Visa Business (17)
    - issue fee upon first application and renewal free of charge
    - monthly fee 1,30 €
    - annual interest rate 18%
    - penalty 0.2% a day
    GENERAL SERVICE AND TRANSACTION FEES
    1. Payment in a commercial enterprise free of charge
    2. Cash deposit in euros in home bank’s terminal (18) - up to 5000 € per calendar month free of charge;
    - 0,25% of the deposited amount that exceeds 5000 € per month
    3. Cash withdrawal 1,92 € + 2.5% of the amount
    4. Transfer from credit card limit account (19) according to regular bank transfers pricelist
    5. Replacement of a card 7 €
    6. Statement of transactions
    - in last month free of charge
    - a previous month 4 € per month
    7. Amendment of a credit card agreement
    - increasing of the credit limit at branch 1% of the requested additional limit, min 10 €
    - amendment of the agreement 10 € (excluding changing the user limits)
    - amendment of the agreement in Internet Bank free of charge
    8. Closure of a credit card free of charge
    9. Penalty for using a closed card 65 €
    10. Copy of a receipt (inquiry)
    - a transaction in Estonia 4 €
    - a transaction abroad 8 €
    11. Balance inquiry and statement in Swedbank’s terminals in Estonia free of charge
    12. Balance inquiry in other bank’s terminals in Estonia and abroad (12) 0,32 € per query
    13. Demand for refund, unjustified
    - a transaction in Estonia 12 €
    - a transaction abroad 16 € (In case disputing card transaction made abroad, additional costs of the card organisations may apply)
    14. Sending a card from one branch to another (13) 2,50 €
    15. Using a Visa or MasterCard assistance service abroad (issue of a temporary credit card abroad) 0 to 130 €, depending on actual costs
    16. Conversion fee for transactions in foreign currencies (14) 1% of transaction amount

    (1) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
    (2) When paying for goods or services with a private person’s revolving credit card, the transaction amount is subject to a 30- day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once.
    (3) When paying for goods or services with a private person’s Gold revolving credit card, the transaction amount is subject to a 40-day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once.
    (4) When paying for goods or services with the Visa Platinum Credit Card, the transaction amount is subject to an up to 40-day interest-free period (between the date of purchase and the payment date). When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once.
    (5) If the period between ordering Visa Platinum extra package and expiry of Visa Platinum card is less than one year, the Bank will debit a fee for an extra package in full amount.
    (6) American Express cards are not issued from 1 st of July 2016.
    (7) When paying for goods or services with the American Express Blue credit card, the transaction amount is subject to an up to 40-day interest-free period (between the date of purchase and the payment date). When making transfers from credit card limit account, the calculation of interest starts at once.
    (8) When paying for goods or services with the American Express Gold credit card, the transaction amount is subject to an up to 40-day interest-free period (between the date of purchase and the payment date). When making transfers from credit card limit account, the calculation of interest starts at once.
    (9) When paying for goods or services with the American Express Platinum credit card, the transaction amount is subject to an up to 50-day interest-free period (between the date of purchase and the payment date). When making transfers from credit card limit account, the calculation of interest starts at once.
    (10) Possible with credit cards pointed in 1.1 – 1.4. 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 on the basis of calculation is a calendar month.
    (11) If upon the renewal of a credit card on the basis of an application, the credit limit of the credit card is rounded by increasing or decreasing the credit limit up to 50 € (incl.), no fee for amending the credit limit shall be charged when increasing or decreasing the credit limit.
    (12) 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.
    (13) The price is inclusive of VAT at the rate of 20%.
    (14) Added to the amount of every transaction made with the card if the card transaction is in a currency other than the euro. The conversion fee is not subject to a refund if the transaction is cancelled.
    (15) When paying for goods or services with a Business Credit Card, the transaction amount is subject to a 30- day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once.
    (16) When paying for goods or services with a Business Gold Credit Card, the transaction amount is subject to a 40- day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once.
    (17) The card is not issued from 20th of April 2016.
    (18) Possible with Fixed Payment credit card Visa Business, with Business Credit Card and with Business Gold 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 on the basis of calculation is a calendar month.
    (19) Service is available with Business Credit Card and Business Gold Credit Card.