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ISIC Mastercard Student Card

Requirements to a photo

  • A document photo of you in colour
  • File format JPG, JPEG, GIF or PNG
  • Size at least 300 x 300 pixels
  • File size up to 5 Mb
  • It must be possible to identify a person on the basis of a photo univocally.
  • A person must be depicted at a photo:
    • en face,
    • having neutral expression and closed mouth,
    • without headgear,
    • with eyes open and look has to be directed towards camera lens.
  • It has to be a colour photo.
  • Area between chin and top of head must form 70-80% of the vertical height of the photo.
  • Glasses are allowed, if eyes are not covered by spectacle frames and there are no “gleams of light” from reflection of glasses.
  • Hair may not cover face nor cause shades on face.
  • Photo may not have fingerprints, scratches or any other defects on it.
  • Colour gamma of the photo must have natural spectre (may not be overexposed nor underexposed).
  • Background of the photo must be flat, mono-colour, of bright colour (commendatory colours are light blue, beige, light brown, light grey or white) and in contrast with colour of face and hair.
  • Red-eye effect on the photo is not allowed are also its removal by means of the software is forbidden.

Make sure that the certificate contains the following information:

  • your details (name, ID code or date of birth);
  • the faculty in which and the specialty that you study;
  • whether you are a full-time or part-time student;
  • the level of studies (professional higher education, Bachelor’s, Master’s or Doctoral study);
  • the start and expected end of the studies (nominal duration of studies); and
  • ISCED (International Standard Classification of Education) level code, if the original certificate has been issued by the educational institution abroad.

If the certificate is not in Estonian, English or Russian, the bank may request submission of a certified translation of the document. The certificate may not be older than 6 months at the time you come in to sign the contract.

Instructions for using the Swedbank ISIC Mastercard Student Card as a Public Transport Card (Ühiskaart)

  1. Swedbank ISIC Mastercard Student Card can be used to prove the right to travel and travel benefits in the joint public transport ticket system of Tallinn and Harju County.
  2. In order to use the bankcard as a Public Transport Card (Ühiskaart) the card holder needs to have an Estonian ID code. If a foreign student gets their Estonian ID code after the card’s issuing date the Student Card needs to be repersonalised online at www.pilet.ee to be used as a Public Transport Card (Ühiskaart). There is no need to order a new card.
  3. Register the card. To do so, open a menu item Ühiskaart » Card personalization » ISIC cards on the United Tickets webpage www.pilet.ee, enter your personal ID code and click on button „Register cards“. All active cards found in the MinuKool database linked with the entered personal ID code will be registered in the ticket system at once. If you get a new card because the previous one has expired, is lost or stolen, you do not need to reregister it.
  4. However, if you get a new card because you have filed in a new card order, the card needs to be registered, since it will have a new ISIC card serial number.
  5. A card registered in the ticket system may be used until the end of the expiry of the card, except in case the user’s student of teacher status ends or the user closes their bankcard before the expiry date printed on the card. In such a case the card is deactivated and a notice thereof will be automatically sent to the ticket system.
  6. You will find the list of your valid and activated cards upon logging in to the ticket system.
  7. Buying a ticket. The cards linked with the ticket system function similarly to the green Public Transport Card (Ühiskaart). Tickets can be bought onto the card by personal ID code online at www.pilet.ee, over a mobile phone or at any ticket sales point. You can purchase personalised public transport tickets with various terms of validity onto the card and verify your right to travel benefits (for example, free right to travel).

If you have any questions do not hesitate to write to info@minukool.ee or info@unitedtickets.ee.

ISIC Mastercard Student Card

Save the environment and space in your wallet by using one card instead of three.

  • ISIC is a 3-in-1 card: bank card, student card, and Public Transport Card (Ühiskaart).
  • Prove your student status anywhere in the world.
  • Take advantage of different discounts in Estonia and the rest of the world.
  • Use contactless payments with Apple Pay, Swedbank app, and Garmin and Fitbit smartwatches.

Winners of the raffle

7.09.2020

  • Sanna V.
  • Anisa B.
  • Roland S.

14.09.2020

  • Kirsti K.
  • Maarja L.
  • Harri A.
  • Use ISIC discounts in Estonia and abroad.
  • Use it as a public transport card in Tallinn and Harju County.
  • 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.

You can use your ISIC card as a virtual ISIC through the ISIC app.

How is virtual ISIC different from a physical ISIC card?

  • Virtual ISIC is with you all the time on your smartphone and you can use discounts without häving to have a physical card with you.
  • You can’t use virtual ISIC as a public transport card.
  • You can’t withdraw cash with virtual ISIC.
  • While travelling, you’ll need an internet connection to be able to use the virtual ISIC.
  • 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.
  • Pay for purchases by simply touching the card reader with your card. For purchases over 50 €, you need to enter your PIN.
  • New! You can now check your card’s PIN code in the Swedbank app.
  • 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.

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.
  • 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.
  • 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.
  • 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.
  • 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.

documentTerms and conditions of the agreement on the use of the ISIC Mastercard Student Card

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 01.07.2022
Revolving credit card (Mastercard)

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 0,029% a day, 10,50% 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 (Mastercard) Fixed payment credit cards are not issued from 21.04.2022.
Annual interest rate 19-22%
Penalty ECB interest rate + 8% a year (currently 0,029% a day, 10,50% 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 (Mastercard) 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 0,029% a day, 10,50% 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 (Mastercard) 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 at the rate of 20%.
Annual interest rate 14-17%
Penalty ECB interest rate + 8% a year (currently 0,029% a day, 10,50% 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.
The LoungeKey salon visit fee
for holder of Platinum credit card with extra package 20 free visits per calendar year, exceeding the limit, a fee of 28 € per visitor will be charged
for holder of Platinum credit card without extra package 28 € per visitor
for persons accompanying Platinum cardholder 28 € per visitor
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 01.07.2022
Depositing euros using a bank card in Swedbank terminal in Estonia You can deposit up to 6000 € 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. The fee will be charged on the amount paid in excess of 5000 € in a calendar month.
Up to 5000 € per calendar month free of charge
Over 5000 € per calendar month 0,3% of the amount exceeding 5000 €
Cash withdrawal with debit cards issued by Swedbank from Swedbank Group ATMs in (including in Estonia, Latvia, Lithuania, Sweden) You can withdraw up to 10000 € 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 10000 € 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 (Mastercard)

You can withdraw up to 10000 € 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 10000 € 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 (Mastercard)

You can withdraw up to 10000 € 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.
VISA or Mastercard (except Platinum credit card (Mastercard)) 1% of transaction amount
With Platinum credit card (Mastercard) no currency exchange surcharge
Sending a card from one branch to another 2,50 €
Penalty for using a closed card 65 €
Emergency cash assistance in abroad in Western Union service points If the ordered service is canceled, the bank will not refund the service fee. 40 €
Copy of a receipt (inquiry)
a transaction in Estonia 4 €
a transaction abroad 8 €
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.

Renewal and FAQ

  • ISIC MC Student Card is updated based on student status.
  • Student status can only be checked from the list of Estonian Education Information System (EHIS). As a result, we cannot automatically renew the cards of students who are not enrolled in EHIS.
  • If we update your card we use data from an expiring card. Therefore, if you have changed the name or the school in the meantime, but have not notified the bank, you have to order a new card with the correct data yourself.

Answers to frequently asked questions

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)
Swedbank app for your daily finances. Credit cards provide support when travelling and in urgent day-to-day situations.
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