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Fixed payment credit card

Useful if you'll need money for bigger purchases or unforeseen expenses

  • Works likehire purchase: repayment used limit with fixed monthly payments.
  • 180 days purchase insurance applies for most goods purchased with credit card or by payment from credit card account.
     As of 21.04.2022, we are no longer issuing new Fixed payment credit cards. Choose another card here.

    Card properties

    • Credit limit from 300 EUR
    • 180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
    • Repayment with fixed monthly payments.
    • Discounts.
    • You can also take out extra cards for your family members. Each additional cardholder enjoys the same privileges as you.

    documentTerms and conditions of the agreement on the usage of the fixed payment credit card (pdf)

    • Manage your credit card in Ibank and Swedbank app: block and unblock, manage limits and make repayments as you go.
    • New! You can now check your card’s PIN code in the Swedbank app. It’s secure, easy, and will help you remember it if you forget your PIN code.
    • Now in our mobile app you can see a list of places where your digitized card is linked to. Watch the tutorial (pdf)
    • You can transfer money, make payments and withdraw cash at the ATM directly from your credit card account.
    • Pay for purchases by simply touching the card reader with your card. For purchases over 50 €, you need to enter your PIN.
    • Make your purchases easily with contactless payments - Apple Pay, Garmin Pay, Fitbit Pay and mobile contactless payments for Android smartphone users.
    • Activate internet shopping option.

    When to pay back your used credit limit?

    • It works just like instalments: repayments for the used credit limit will be debited automatically in equal instalments each month from the account specified by you.
    • Interest starts to be calculated if you use the credit limit.
    • You can always repay used limit sooner in addition to monthly payments.

    Pricelist and conditions

    Debit cards

    Effective as of 01.11.2024
    Issuing the first debit card associated with a client Except ISIC MasterCard Student card. free of charge
    Issuing subsequent debit cards Except ISIC MasterCard Student card. according to price list
    Debit card Plus The debit card fee is not applicable to the customers who as of 01.08.2011 were at least 60 years old and had Maestro debit card. Price
    Issuing a card 2.50 €
    Monthly fee 1 €
    monthly fee for up to 19-year old client (incl.) free of charge
    monthly fee for 20–25-year old client (incl.) 0.32 €
    monthly fee for 65-and older clients (incl.) 0.32 €
    A temporary ATM card (valid for 1 month) Price
    Issuing a card 10 €
    ISIC Mastercard Student card Price
    Issuing a card 6.33 €
    Replacement a card 6.33 €
    Monthly fee 0.32 €
    Renewal a card 6.33 €
    Mastercard Private Banking Card Price
    Issuing a card 2.50 €
    Monthly fee 1.98 €
    Renewal of debit cards free of charge
    Penalty 0.2% a day
    Ordering an express card You can order an express card by calling 6 310 310 or at our branch. The card can be delivered by courier to your contact address or to the branch. Ordering a new card and replacing an existing card: If the card is ordered before 12 o'clock on a business day, it will arrive on the next business day. If the card is ordered after 12 o'clock on a business day, it will arrive on the following business day. 30 €

    Credit cards

    Effective as of 01.11.2025
    Revolving credit card

    When paying for goods or services with the private person’s Revolving credit card, the bank shall not calculate interest as from making the transaction with the respective card until the last day (incl.) of the same month, after the aforementioned period, the bank shall begin calculating interest. Upon making a payment and withdrawing cash 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.

    		Price
    Monthly fee 2 € (free of charge for people up to 25 years of age)
    Monthly fee of an additional card 2 €
    Annual interest rate 19-22%
    Penalty ECB interest rate + 8% a year (currently 0.031% a day, 11.15% a year) ECB interest rate + 8% a year (currently 0.028% a day, 10.15% a year) 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.
    Fixed payment credit card Fixed payment credit cards are not issued from 21.04.2022. Price
    Annual interest rate 19-22%
    Penalty ECB interest rate + 8% a year (currently 0.031% a day, 11.15% a year) ECB interest rate + 8% a year (currently 0.028% a day, 10.15% a year) 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.
    Debt notice 3 €
    Gold revolving credit card When paying for goods or services with the private person’s Gold Revolving credit card, the bank shall not calculate interest as from making the transaction with the respective card until the 10th calendar day (incl.) of the following month, after the aforementioned period, the bank shall begin calculating interest. Upon making a payment and withdrawing cash 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. Price
    Monthly fee 7 €
    Monthly fee of an additional card 5 €
    Annual interest rate 17-20%
    Penalty ECB interest rate + 8% a year (currently 0.031% a day, 11.15% a year) ECB interest rate + 8% a year (currently 0.028% a day, 10.15% a year) 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.
    Debt notice 3 €
    Platinum credit card When paying for goods or services with the 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). Upon making a payment and withdrawing cash 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. Price
    Monthly fee 17 €
    Monthly fee of an additional card 15 €
    Platinum extra package 160.20 € a year 160 € a year

    If the period between ordering Platinum extra package and expiry of Platinum credit card, is less than one year, the Bank will debit a fee for an extra package in full amount.

    The price is inclusive of VAT.
    Annual interest rate 14-17%
    Penalty ECB interest rate + 8% a year (currently 0.031% a day, 11.15% a year) ECB interest rate + 8% a year (currently 0.028% a day, 10.15% a year) 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.
    Credit card opening fee free of charge
    Replacement of a credit card 7 €
    Renewal of credit card (incl. additional cards) free of charge
    Ordering an express card You can order an express card by calling 6 310 310 or at our branch. The card can be delivered by courier to your contact address or to the branch. Ordering a new card and replacing an existing card: If the card is ordered before 12 o'clock on a business day, it will arrive on the next business day. If the card is ordered after 12 o'clock on a business day, it will arrive on the following business day. A prerequisite for ordering a new credit card as an express card is the presence of a positive credit decision. 30 €

    Card transactions

    Effective as of 01.11.2025
    Depositing euros using a bank card in Swedbank terminal in Estonia You can deposit up to 5000 € per month in ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards. Price
    Up to 5000 € per calendar month free of charge
    Cash withdrawal with debit cards issued by Swedbank from Swedbank Group ATMs in (including in Estonia, Latvia, Lithuania, Sweden) You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards. The fee will be charged on the amount withdrawn in excess of 2000 € in a calendar month. Price
    Up to 2000 € per calendar month free of charge
    Over 2000 € per calendar month 0.5% of the amount exceeding 2000 €
    Cash withdrawal with a debit card from other bank’s terminals in Estonia and abroad

    You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards.

    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
    Cash withdrawal with credit cards (except for the revolving Gold credit card and Platinum credit card

    You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards.

    The service fee according to the operator’s price list may be added for the use of another operator’s ATM. Upon withdrawing cash 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.

    		2 € + 2.5% of the amount
    Cash withdrawal with revolving Gold credit card

    You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards.

    The service fee according to the operator’s price list may be added for the use of another operator’s ATM.

    Upon withdrawing cash 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.

         		Price
    Up to 500 € per calendar month free of charge
    Over 500 € per calendar month 2.5% of the amount exceeding 500 €
    Cash withdrawal with Platinum credit card

    You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards.

    The service fee according to the operator’s price list may be added for the use of another operator’s ATM. Upon withdrawing cash 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.

    		Price
    Up to 1000 € per calendar month free of charge
    Over 1000 € per calendar month 2.5% of the amount exceeding 1000 €
    Credit card statement from a branch Price
    Previous month statement free of charge
    Earlier statements 4 € per month
    Amendment of a credit card agreement Price
    In a branch 10 € (excluding changing the user limits)
    In digital channels 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. Price
    With all cards (except Platinum credit card) 1% of transaction amount
    With Platinum credit card no currency exchange surcharge
    Sending a card from one branch to another 2.50 €
    Penalty for using a closed card 65 €
    Demand for refund, unjustified Price
    a transaction in Estonia 12 €
    a transaction abroad In case disputing card transaction made abroad, additional costs of the card organizations may apply. 16 €
    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 cards. 0.32 € per query
    Transfer from credit card limit account according to regular bank transfers pricelist
    Retrieval of bank cards from other banks from Swedbank ATMs 30 €

    Purchase insurance

    • Bicycle was stolen.
    • Child broke his winter parka in kindergarten.
    • Glasses were broken.
    • Computer was damaged.
    • Skis were broken.
    • Surfing equipment was damaged.
    • And many more.

    document Purchase insurance terms and conditions (pdf)

    • Purchase insurance applies to goods purchased with credit card at stores and online.
    • It compensates expenses on repair or replacement of durable goods in case of theft, damage or destruction even if it was done unintentionally by the card holder himself. Durable goods are items with a lifespan of at least 3 years. The lifespan of a product is determined by the manufacturer.
    • It applies to most purchases incl. clothing, sports equipment, tech gadgets etc. for 180 days from the day you received the goods.
    • To claim you need to have purchase document or payment information.

    Sums insured are determined for each insured item, insured event and calendar year.

    • One item € 1,000.
    • One insured event € 2,000.
    • One year € 4,000.
    • Items with limited compensation €400. Computers, computer parts and external devices; mobile phones; glasses, incl. sunglasses; watches; unique items, jewelry (incl. precious stones, precious metals and pearls); items made of fur.
    • Excess per insured event is €30.

    Note! The terms of purchase insurance included with credit cards will change on 1 November 2025. Review the new terms and conditions.

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    Sustainability

    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.


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    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)

    Revolving credit card

    Best choice for your purchases and occasional travels abroad. Read more

    Gold revolving credit card

    Gives you travel insurance for the whole family and protects most of your purchases. Read more

    Platinum credit card

    Swedbank's best travel insurance, unlimited access to Priority Pass airport lounges and rental car insurance. Read more

    Credit Cover

    Insure your credit card repayments and get financial safety in case you unexpectedly fall ill or lose your job. Read more

    Card related questions and card claims

    Insurance related questions and claims

    • phone
    • Insurance is provided by Swedbank P&C insurance AS.

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