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)

1. PRIVATE PERSON Effective as of 27.03.2017
1.1 Revolving credit card (2)
monthly fee 1,30EUR, free of charge for people up to 25 years of age
monthly fee of an additional card 1,30 EUR
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 EUR
1.3 Gold Revolving credit card (3)
monthly fee 3,70 EUR
monthly fee of an additional card 2,50 EUR
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 EUR
1.4 Visa Platinum credit card (4)
monthly fee 12,90 EUR
monthly fee of an additional card 10,90 EUR
Visa Platinum extra package 160,20 EUR a year (5)(13)
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 EUR
monthly fee of an additional card 2,56 EUR
penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
debt notice 3 EUR
1.6 Platinum Charge credit card
annual fee of the primary card 127,82 EUR
annual fee of an additional card 63,91 EUR
penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
debt notice 3 EUR
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 EUR
monthly fee of of an additional card 1,60 EUR
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 EUR
monthly fee of of an additional card 7 EUR
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 EUR
annual fee of an additional card 320 EUR
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 EUR
opening a card in Internet Bank 1,50 EUR
2. Payment in a commercial enterprise free of charge
3. Cash deposit in euros in home bank's terminal (10) up to 5000 EUR per calendar month free of charge 0,25% of the deposited amount that exceeds 5000 EUR per month
4. Cash withdrawal 1,92 EUR + 2.5% of the amount
5. Transfer from credit card limit account according to regular bank transfers pricelist
6. Replacement of a card 7 EUR
7. Statement of transactions
in last month free of charge
a previous month 4 EUR per month
8. Amendment of a credit card agreement (11)
increase of credit limit at branch 1% of the requested additional limit, min 10 EUR
increasing of credit limit in the Internet Bank 3,20 EUR
amendment of the agreement at branch 10 EUR (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 EUR
11. Copy of a receipt (inquiry)
a transaction in Estonia 4 EUR
a transaction abroad 8 EUR
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 EUR per query
14. Demand for refund, unjustified
a transaction in Estonia 12 EUR
a transaction abroad 16 EUR (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 130EUR, depending on actual costs
16. Sending a card from one branch to another (13) 2,50 EUR
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
20. Retrieval of bank cards from other banks from Swedbank ATMs 30 EUR
2.1 Business Credit Card (15)
issue fee 5 EUR
monthly fee 3 EUR
annual interest rate 18%
penalty 0.2% a day
debt notice 3 EUR
2.2 Business Gold Credit Card (16)
issue fee 10 EUR
monthly fee 10 EUR
annual interest rate 14%
penalty 0.2% a day
debt notice 3 EUR
the Priority Pass salon visit fee 27 USD per visitor
2.3 Charge card MasterCard Business (17)
annual fee 25 EUR
penalty 0.2% a day
debt notice 3 EUR
2.4 Charge card Visa Business Gold (17)
annual fee 120 EUR
penalty 0.2% a day
debt notice 3 EUR
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 EUR
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 EUR per calendar month free of charge 0,25% of the deposited amount that exceeds 5000 EUR per month
3. Cash withdrawal 1,92 EUR + 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 EUR
6. Statement of transactions
in last month free of charge
a previous month 4 EUR per month
7. Amendment of a credit card agreement
increasing of the credit limit at branch 1% of the requested additional limit, min 10 EUR
amendment of the agreement 10 EUR (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 EUR
10. Copy of a receipt (inquiry)
a transaction in Estonia 4 EUR
a transaction abroad 8 EUR
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 EUR per query
13. Demand for refund, unjustified
a transaction in Estonia 12 EUR
a transaction abroad 16 EUR (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 EUR
15. Using a Visa or MasterCard assistance service abroad (issue of a temporary credit card abroad) 0 to 130EUR, depending on actual costs
16. Conversion fee for transactions in foreign currencies (14) 1% of transaction amount
17. Retrieval of bank cards from other banks from Swedbank ATMs 30 EUR

(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 30day 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 30day 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 40day 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.