Become a customer

Private Banking Card

About

With a Private Banking Card you can:

  • purchase insurance, which means that items purchased with bankcards are protected against theft, loss or damage from accidents;
  • the option to make hotel reservations, book flights and pay in online stores;
  • pay for goods and services and withdraw cash in Estonia and abroad;
  • you can now check your card’s PIN code in the Swedbank app;
  • have your new card delivered by post to your contact address;
  • Your card will arrive within 5-7 working days. When ordering abroad, it will arrive within 1-2 weeks.
  • Manage your debit card in Internet Bank and Swedbank’s app. Block and unblock your card in Swedbank’s app and manage limits as you go.
  • Contactless payments – you’ll be able to pay up to €50 only by tapping the card to the terminal. No PIN, no hassle, just quick and safe shopping.
  • Try out mobile contactless payments for Android users.
  • Activate internet shopping option.
  • Debit Card Contract Terms and Conditions (pdf)
  • Purchase Insurance Terms and Conditions (pdf)
  • General terms and conditions of insurance contracts (pdf)

Condition and fees

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.
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)
Issuing a card 10 €
ISIC Mastercard Student card
Issuing a card 6.33 €
Replacement a card 6.33 €
Monthly fee 0.32 €
Renewal a card 6.33 €
Mastercard Private Banking Card
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.

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.
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.
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.
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.
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.
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.
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.

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
Previous month statement free of charge
Earlier statements 4 € per month
Amendment of a credit card agreement
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.
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
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 €

Service plans

Everything for daily life and travel for one monthly fee. Card, payments, current accounts + purchase and travel insurance. Choose a plan

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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.

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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.

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SWEDBANK AS
LIIVALAIA 34, 15040
TALLINN
SWIFT code/BIC: HABAEE2X
Reg. number: 10060701

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