Debit Card Plus

A card for convenient and modern everyday payments

Make safe contactless payments.
Use the Swedbank app or other digital wallets for payments.
Manage your card conveniently via mobile app or Internet Bank.
Add to your savings with each card purchase.
New! View card’s details and PIN code in the app.

NEW! From 1st of October the validity period of debit cards is 4 years, instead of 3.

Pay at retail locations and online worldwide.
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.
Available from the age of 6.
Have a safer and more convenient e-shopping experience.
Cash withdrawal at check-out in shops.
New! You can now check your card’s PIN code in the Swedbank app.

Pay for purchases by simply touching the card reader with your card. For purchases over 50 €, you need to enter your PIN.
You can activate and deactivate the contactless payment feature via Internet Banking or Swedbank mobile app.
For the safety of transactions, we occasionally ask you to confirm your purchase with your PIN.

Make your purchases convenient with digital wallets like Apple Pay, GooglePay, Swedbank app, and Garmin and Fitbit smart watches.
Now in our mobile app you can see a list of places where your digitized card is linked to. Watch the tutorial

We want to make online shopping safer for you. If you want to shop online, you should activate the internet shopping option for each of your card. You can do it easily in our internet bank or in the Swedbank app.
New! Check your card details in the app. Easily access the card number, expiry date, and Security Code for all your active cards.

Order your card easily from the Internet Bank. Card can be 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.
We recommend replacing your card instead of ordering a new one because in that case, your card information will be updated automatically in some places, which you can see under "Digitized card" in the app.
After receiving the card, activate it in the Internet Bank to start using it.
If ordering card by post, the PIN of your new card will be displayed in the Internet Bank when you activate it.

When activating renewed card, the old card will no longer be valid. Destroy the old card in a safe manner.
Please note! For automatically renewed cards, the PIN does not change.

documentConditions of debit card (valid as of Nov 1, 2023)

Debit cards

Effective as of 25.04.2024

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	1,28 €
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
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 25.04.2024

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
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 01.11.2023

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 €

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.

In self-service you can:

activate your card;
change your card’s purchases and cash withdrawal limits;
change your card’s delivery address;
activate internet shopping option.

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.

Pay digitally. It helps you track your expenses, set the limits for certain expense categories, and identify where you can manage your consumption habits.
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.
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

Yearly CO₂ footprint
0
Trees required to absorb CO₂
0

If you paid by card, you could save

CO₂ emissions (kg)
0
Trees
0

Source: Lindgreen, E.R., van Schendel, M., Jonker, N. et al. (2018); Hanegraaf, R., Larçin, A., Jonker, N. et al (2020)

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.

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.