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All debit cards

A card for your everyday banking needs

Swedbank’s debit cards allow you to:

  • make contactless payments;
  • make online purchases;
  • use the Swedbank app or other digital wallets for payments.

New! View card’s details and PIN code in the app.

Add to your savings – with each card purchase.

Debit Card Plus

Debit Card Plus

  • Make contactless payments.
  • Pay at retail locations and online worldwide.
  • Have your new card delivered by post to your contact address.
  • Available from age 6.
  • All newly issued Debit Card Plus cards are made from recyclable plastic.

Order a card for a child

More

ISIC Mastercard<br/> Student Card

ISIC Mastercard
Student Card

  • Prove your student status anywhere in the world.
  • Use it as a public transport card in Tallinn and Harju County.
  • Use ISIC discounts in Estonia and abroad.
  • Have your new card delivered by post to your contact address.
  • Perform contactless payments.

More

If you have lost your card or it is stolen, please block your card easily in our Mobile Bank, Internet Bank or by calling us on +372 6 310 310.

In case you are abroad, and you cannot contact us, call:

  • Mastercard helpline in abroad +1 636 722 7111 (chargeable number) or In-Country Telephone Numbers (free of charge).
  • We want to make online shopping safer for you. That’s why the internet shopping option must be activated in case of each card that has been issued by Swedbank and are used to make purchases online. Read more about internet shopping.
  • Before you make a purchase online, make sure the store is safe. Try to find out more information about merchant. Every website should have information about the name and location of the company and an e-mail address and telephone number to use, should you have any problems. There should also be information about deliveries and returns, the procedure for submitting complaints as well as warranty terms and conditions. Don’t fall for discounts that seem to be too unrealistic.
  • Use a welcome text in the Internet shopping programme that is as personalised as possible. Every time you make a purchase online, ensure that the welcome text is the same as the one you set when you signed up to the programme.
  • If you only rarely make purchases online using your bank card, we advise you to activate the Internet shopping option only for the moment of making the purchase.
  • If your card was replaced or renewed automatically, the linkage to the selected e-wallets and various service providers will be retained when you activate your new card.
  • You can protect your money by choosing usage limits that suit you. You can set separate limits for purchases, cash and payment transactions.
  • You can change Usage Limits in Internet bank under My Cards or in the Swedbank app.
  • You can also increase your limits temporarily if necessary.
  • Make sure you always know where your bank card is. If you pay by card, do not let the person serving you take it to a back room on their own, because your card data can be stolen.
  • If you lose your card, immediately block it in the mobile app or Internet bank. You can unblock or replace the card within 10 days.
  • It is not recommended, to send your card number by post or give it on the telephone when making a purchase, because your card data could be used for fraudulent transactions, but if there are no other possibilities, please, be extra careful.
  • Be careful when using the ATMs of other banks. Some ATMs return your card before dispensing the money. Make sure you have your bank card and the requested amount of cash before you leave the ATM.
  • Only the person whose name appears on the card, may use the card. Do not let anyone, even a close person, to use your card.
  • Always check the transaction amount that you are approving with the card.
  • Follow up your card transactions regularly in your internet bank or in the Swedbank app. If any transaction seems suspicious, please contact the bank.
  • When you get your bank card, you will also receive a PIN that is known only to you.
  • Memorize it, do not write your PIN on the card or anywhere else where it can be seen by others.
  • 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.
  • Do not tell your PIN to anyone, not even to bank employees.
  • Try to enter your PIN so that no one else can see it, because your card could be stolen and used by somebody else. If the payment with a stolen card is confirmed with the PIN, it is the customer’s liability.
  • If you suspect that your 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. You can do so at any Swedbank ATM.
  • When selecting your PIN, do not re-use your old PIN. Do not use identical codes for different cards for the purpose of memorising them.

Debit cards

Effective as of 01.07.2022
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 1,28 €
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 5 €
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

Credit cards

Effective as of 01.11.2023
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 1,59 € (free of charge for people up to 25 years of age)
Monthly fee of an additional card 1,59 €
Annual interest rate 19-22%
Penalty ECB interest rate + 8% a year (currently 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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 5,99 €
Monthly fee of an additional card 3,99 €
Annual interest rate 17-20%
Penalty ECB interest rate + 8% a year (currently 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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 14,90 €
Monthly fee of an additional card 12,90 €
Platinum extra package 160,20 € 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 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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

Card transactions

Effective as of 01.11.2023
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 0,3% 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
Making payments in ATMs and payment terminals using debit cards
Intra-bank payment 0,16 € (free of charge for people over 65 years of age (incl.)) This also applies to clients who were at least 60 years old on 1 September 2015 and held a current account.
Domestic payment 0,38 €
Retrieval of bank cards from other banks from Swedbank ATMs 30 €
Senior Card

Senior Card

  • For clients aged 65 or older
More
Youth Card

Youth Card

  • For clients aged 6–25
More
Maestro Debit Card

Maestro Debit Card

  • Withdraw cash in Estonia and abroad
More

New! All our Debit Card Plus cards are made from 100% recyclable plastic!

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 or opt-out.
  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)

  • How to block a card?

    • via the Swedbank mobile app, under “Cards” by switching the setting from “Active” to “Blocked”
    • on the Internet Bank, go to the page „My cards“ and then choose „Block card“
    • by calling us +372 631 0310

    A card can be blocked for up to 10 days, after 10 days the card will be closed permanently.

    You can order a new card via the Internet Bank site in section Cards > All debit cards or All credit Cards”.

  • How can I activate a blocked card?

    The card can be re-activated within 10 days since blocking:

    • via the Swedbank mobile app, under “Cards” by switching the setting from “Blocked” to “Active”
    • by calling us +372 631 0130.

  • What to do if I’ve forgotten the card’s PIN?

    You can now check your card’s PIN code in the Swedbank app. To view your card’s PIN code in the app, log in and tap on the "Cards" section in the bottom menu. Choose your card and click "Card PIN". After tapping, confirm it with your chosen authentication method. The card’s PIN code is shown for 30 seconds. Do not show your PIN code to other people.

  • What is the PIN of my renewed card?

    The automatically renewed card will have the same PIN as that of your old card.

  • How to change the PIN?

    The card’s PIN code can be changed in the Swedbank ATM. You can find the nearest ATM in the Swedbank mobile app or via the Internet bank site in "My bank > Bank channels and contacts"

  • Where can I order a new card?

    A new debit card can be ordered via the Internet Bank page in Cards > All debit cards

    A new credit card can be ordered via the Internet Bank page in Cards > All credit Cards

  • How much time do I have to activate my debit card?

    If not activated via Internet Bank, new cards are automatically closed after 60 days from opening the card.

    Renewed cards are closed automatically upon lapse of 30 days after expiration of the old card if not activated via Internet Bank.

  • Why can’t I activate the card I’ve received by post via Internet Bank?

    Please check the following reasons:

    • renewed card has not been activated during 30 days after previous card's expiry date;
    • the new card has not been activated during 60 days;
    • you have exceeded six attempts to see PIN-code.

  • What documents are necessary for collecting my child’s card?

    Your valid identity document – passport, ID card or driver’s licence. If possible, take your child's passport or ID card with you as well.

    Parents and legal guardians of minors can administer their child’s debit card from under their own online banking user account. Minors bank cards can also be sent by post. The card and PIN code will be sent to the child’s address of record a few days apart. The minor will be able to administer their debit card agreement in their Internet bank (along with activating the card sent to them) if they have been authorized to use the account linked to the card and assigned necessary privileges in the in Teleservices agreement, and possess a means of authentication.

  • How can child collect the card alone?

    You can give a power of attorney to the child for collecting the card. For that, please send us a bank message. Choose the subject "power of attorney to a minor" from the drop-town menu. Please read all terms and fill necessary fields. After the bank message is sent, child can come to the branch with a valid identity document and pick up the card.

  • May other person collect the card on my behalf at branch?

    Yes, a card may be issued to other person if that person has:

    • bank’s power of attorney (this is available at any Swedbank branch) or
    • a notarized power of attorney

  • Will my Mastercard card work abroad?

    Mastercard cards are accepted for payment in all retail outlets worldwide where the Mastercard logo is shown and the retailer accepts that type of cards.

  • How much will I be charged for withdrawing money in an ATM abroad?

    This depends on the type of card. For example, if you make a cash withdrawal from an ATM in a country where the official currency is other than EUR with a Swedbank payment card, then you will be charged a fixed fee for the withdrawal + a percentage of the amount + the currency exchange fee. Up-to-date information on charges and fees is provided in the price list of the bank.

  • Will I be charged for paying by card abroad?

    If you pay in a country where EUR is the official currency, no fee will be charged. If you pay in a country with other official currency, then a fee as a percentage of the purchase amount will be charged. Up-to-date information on fees is provided in the price list of the bank.

  • Can I book a car abroad with a debit card?

    Many car rental companies only accept credit cards for reservations. If you have only a debit card, we suggest getting in touch with the car rental in advance to find out if you can use a debit card for reservation.

  • What are the requirements for ordering ISIC MC Studentcard?

    An ISIC Mastercard Student Card can be ordered by a student at least 16 years old who is enrolled in a higher education program in Estonia or abroad. A student can study either in full or in a shortened curriculum of any form of study (for example, full-time or part-time).

  • How can I check my student status?

    If you want to check your student status in the Estonian Educational Information System, you can do that in the portal www.eesti.ee/eng.

  • When and under what circumstances is the ISIC MC Student Card renewed?

    • The ISIC is renewed every year in October. (The exact date may vary.)
    • You are sent a letter in advance indicating the renewal date.
    • ISIC is renewed on condition that you are on the EHIS list and the renewal fee (the exact amount of which is specified in the price list) can be deducted from the current account linked to your card.
    • Those who are not on the list (i.e. those studying in a foreign educational institution) can order a new card in the Internet Bank (by submitting or bringing in a certificate proving their student status).

  • How long does the ISIC card last?

    • If an ISIC card is ordered before the 20th of August this year, it will expire at the end of this year. If the card is ordered after the 20th of August this year, then it will expire at the end of next year.

  • Will my ISIC card become invalid once I graduate?

    Your ISIC will remain valid until the date indicated thereon.

  • Can students of a foreign educational institution order a card to be sent to an Estonian address?

    No. Only those who are on the EHIS list can order an ISIC card to be sent to their contact address.

  • What do I do if my ISIC card doesn’t work as a travel or key card, for example?

    In order for an ISIC card to work as a travel card, you must register it first at www.pilet.ee. In the event of other issues, please write to klienditugi@eyl.ee.

  • What does the certificate proving my student status need to include?

    1. Your details (name, personal identification code or date of birth).
    2. The official name of the educational institution.
    3. The beginning and presumed end of your study period.
    4. The name of your faculty and/or specialty.
    5. Information on the education level of your studies, i.e. qualifications (professional higher education or undergraduate, postgraduate or doctoral studies).
    6. Information on whether you are a full- or part-time student (no information is required on your study load).
    7. The International Standard Classification of Education (ISCED97) code, where possible (not mandatory).

  • How can I order a card? When will it be ready and will I be notified in advance?

    • You can order an ISIC card in the Internet Bank.
    • Students on the EHIS list can order a card to be sent to their contact address. In such a case, it will be ready for you within five working days. When ordering abroad, it will arrive within 1-2 weeks. You will also be sent a notification in the Internet Bank.
    • Students who order an ISIC on the basis of a certificate can have this delivered to a branch. It will reach the branch within 10 working days. You will receive a text message when you can come and pick it up.

  • Can I get an ISIC card if I am on academic leave or am an external student?

    You can order an ISIC card if you are:

    • a full- or part-time student who has been matriculated in a higher education curriculum (incl. a foreign educational institution);
    • a student on academic leave (in all study programmes, incl. distance learning and session and modular studies);
    • taking part in distance learning;
    • a student enrolled in an Open University curriculum of the University of Tartu (but not as an external student) who will complete the entire curriculum and has been matriculated.

  • Can I rent a car using my ISIC card?

    Yes, usually you can (the card requirements, however, depend on the specific service provider).

Choose the Payments Plan for €1,5 per month and you’ll get free payments in our Internet Bank and app and one debit card without a monthly fee.

Swedbank app for your daily finances.

Special offer

Credit cards provide support when travelling and in urgent day-to-day situations.

Easy saver helps your savings grow in small but smart steps, seamlessly.

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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
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