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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.
  • 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

documentTerms and conditions of the agreement on the usage of the fixed payment credit card (valid as of Nov 1, 2023)

  • 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
  • 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.

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 €
  • 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

  • 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.
  • 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.

*Durable goods are items with a lifespan of at least 3 years. The lifespan of a product is determined by the manufacturer.

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.
  • Excess per insured event is €30.

*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.

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)

Best choice for your purchases and occasional travels abroad.

Special offer until 15.02Offer

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

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

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

Card related questions and card claims

Insurance related questions and claims

  • phone888 1513
  • Insurance is provided by Swedbank P&C insurance AS.

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