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 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, 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, 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 or

ISIC Mastercard Student Card

Special offer: No issuing fee until the end of October!*

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.
  • Campaign: all ISIC card owners participate in a raffle to win various prizes. Read more

*Students who haven’t had an ISIC Mastercard Student Card in the last 3 months, are eligible to order the Swedbank’s ISIC Mastercard Student Card until 31.10.2020 without an issuing fee.

Winners of the raffle


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


  • 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.
  • Get a new debit card within 5 business days.

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.

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.

Now is the best time to get yourself a Swedbank ISIC student card, because as a card owner you immediately participate in a raffle to win various prizes.

Campaign last from 1st to 27th of September 2020 and every week we draw 3 winners who can choose a prize from the list below:

  • R-kiosk: 20 free coffees
  • Rahva Raamat: 50€ store gift card
  • Endla theatre: 2 ticket for a play (value 19€ each)
  • Kuulsaal: Bowling and billiard gift cards set (value 49€)
  • Photopoint: coupon for 300 (3x100) free regular sized photos printed on paper (value 57€)
  • iDeal: 50€ store gift card
  • Viiking Spa: Daycare package “Tervistav puhkus” for 2 people (value 54€)
  • Vapiano: 50€ restaurant gift card
  • Science Centre AHHAA!: 50€ centre gift card
  • Werner: 50€ cafeteria gift card
  • Brain Games: 50€ gift card
  • Norman-Optika: 50€ gift card
Read more about campaign terms and conditions
  • Order your card easily from the Internet Bank. Card can be delivered by post to your contact address. You will receive it only within 5 business days.
  • 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.
  • An ISIC card ordered until 19 August 2020 will expire on 1 January 2021 (i.e. remain valid until the end of the year).
  • If an ISIC card is ordered as of 20 August 2020, it will expire on 1 January 2022 (i.e. remain valid until 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.


Effective as of 09.03.2020
Issuing the first debit card associated with an account Except ISIC MasterCard Student card. free of charge
Issuing an additional debit card associated with an account Except ISIC MasterCard Student card. according to price list
Renewal of a card Except ISIC MasterCard Student card. free of charge
Maestro debit card Maestro debit card in not issued from 2nd of October 2017.
monthly fee of a card 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. 0,96 €
Debit card Plus
issuing a card 2,50 €
monthly fee of a card 1,28 €
monthly fee of a card for up to 19-year-olds (incl.) free of charge
monthly fee of a card for 20-25-years old (incl.) 0,32 €
monthly fee of a card from age 65 (incl.) 0,32 €
A temporary ATM card (valid for 1 month)
issuing a card 2,50 €
ISIC MasterCard Student card
issuing a card 6,33 €
replacement of a card 6,33 €
monthly fee of a card 0,32 €
renewal of a card 6,33 €
Youth card Youth card in not issued from 2nd of April 2019.
monthly fee of a card for up to 19-year-olds free of charge
monthly fee of a card for people aged 20-25 0,32 €
Senior card Senior card in not issued from 2nd of April 2019.
monthly fee of a card 0,32 €
MasterCard Private Banking Card
issuing a card 2,50 €
monthly fee of a card 1,98 €

General service and transaction fees

Cash deposit in euros in home bank's terminal A limit of 10,000 euros per month on cash deposited in ATMs will be applied to debit cards. The fee is charged on the amount that exceeds 5 000 € per calendar month and the cash is deposited in home bank’s terminal. The service fee is client-based on the basis of calculation is a calendar month.
up to 5000 € per calendar month free of charge
over 5000 € per calendar month 0,25% of the deposited amount that exceeds 5000 €
Cash withdrawal
from terminals of your home bank
up to 2000 € per calendar month free of charge
over 2000 € per calendar month 0.3% of the amount that exceeds 2000 €
from other bank’s terminals in Estonia and abroad 1 € + 2.5% of the amount
with debit cards issued by Swedbank from Swedbank Group ATMs in Latvia, Lithuania, Sweden ATM in Sweden is Bankomat.
up to 2000 € per calendar month free of charge
over 2000 € per calendar month 0.3% of the amount that exceeds 2000 €
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/Maestro cards. 0,32€/query
Making payments in ATMs and payment terminals
an intra-bank payment 0,16 € (free for clients aged 65 and more) 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 €
Payment in a commercial enterprise free of charge
Closure of a card free of charge
A copy of the receipt of a card transaction (inquiry)
a transaction in Estonia 4 €
a transaction abroad 8 €
Demand for refund, unjustified
a transaction in Estonia 12 €
a transaction abroad 16 € (In case disputing card transaction made abroad, additional costs of the card organisations may apply)
Sending a card from one branch to another The price is inclusive of VAT at the rate of 20%. 2,50 €
Sending a card by mail
mail (Estonia) 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. 1% of transaction amount
Penalty for using a closed card 65 €
Penalty 0.2% a day
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 €
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).
  • Visa card helpline in abroad +1 410 581 3836 (chargeable number) or Country toll-free 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 Mastercard and Visa cards that have 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.
  • 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 Bank, Internet bank or by calling the Consultation Centre and ask them to close it.
  • 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.
  • 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

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