American Express® Platinum

American Express PlatinumAn American Express® Platinum credit card guarantees you the following:
  • Travel insurance and comprehensive insurance for rental car;
  • Convenient travel service;
  • Free entrance to the Priority Pass VIP lounges at airports;
  • Time-saving concierge service;
  • Valuable bonus points;
  • Special offers in Estonia and elsewhere in the world.

New cards will no longer be issued
The use of cards already issued that expire prior to September 2018 can be continued until end of their term of validity. Cards expiring in September 2018 or later can no longer be used starting from 1 September 2018. We will contact all our customers in advance to find the best solution for each individual customer.

NEW! You can now perform transfers and make payments in the Internet Bank and Mobile Bank direct from your credit card account.

Card properties

American Express Platinum gives you more flexibility in taking care of your daily finances.

  • Net income of the applicant is at least 950 euros per month or liquid assets amount to at least 64,000 euros.
  • Card limit from 3500 euros.
  • The card comes with an interest-free period of up to 50 days (from the date of purchase until the payment date). If you haven’t made a repayment by the 20th of the month, the payment will be made automatically, unless you don’t have enough money for the full repayment in your account. Interest will start accruing in such a case and you can repay the necessary amount later, at a time that suits you. The interest-free period does not apply to cash withdrawals or to Internet Bank transfers.
  • You can also take out extra cards for your family members with your Platinum card. Each additional cardholder enjoys the same privileges as you. Please contact your Client Administrator to request an extra card.
  • If you lose your Platinum card, it’s stolen or becomes unusable when travelling, you can request a temporary replacement card. Call the Platinum Customer Service and we will arrange a new card for you.
  • You can also make transfers and payments from your credit card limit account. This option is easy to use in the Internet Bank and Mobile Bank.
  • To make a transfer from your credit card, simply initiate a domestic payment and select your credit card limit account from the drop-down menu. The regular price list for bank transfers applies to transfers you make from your credit card. You cannot select your credit card limit account as the account from which to debit service charges or as the account servicing deposit, loan, insurance, standing order or e-invoice direct debit agreements.
  • Free parking in the car park of Swedbank’s main office.
    The car park on the courtyard side of the building at Liivalaia 8 in Tallinn, access to which is via a barrier, can be used when meeting with a Personal Adviser or visiting the branch. Use of the car park for other reasons is not permitted. In order to open the barrier, slot your bank card into the card reader.

As an American Express Platinum cardholder, you will also enjoy the best service, which is available to you 24 hours a day, 7 days a week. You will be looked after by experienced specialists who provide advice about card and banking transactions and help find solutions to all of your requests.

Concierge service – we fulfil all of your wishes!

The concierge service is a privilege enjoyed exclusively by American Express® Platinum cardholders. At your service is an experienced concierge team that will always do their best to fulfil your wishes, no matter how big or small they may be. For example, if you’re looking for a good restaurant in an unfamiliar city or want to send flowers or gifts anywhere in the world but don’t have time to deal with it yourself, call the Platinum Customer Service on 888 7888 and let us know. Our concierges are here to help fulfil your wishes from 9:00-18:00 Monday to Friday.

Convenient travel services

The American Express® Platinum travel service will help you plan your trip and support you during the trip. Professional travel consultants are here to take your calls 24 hours a day and help you arrange a last-minute business trip or a holiday that meets all your needs. You can also enjoy the privileges only available to American Express® Platinum cardholders, such as room upgrades, late check-out or breakfast.

Travel insurance will support you throughout the trip if necessary. Call us on (+372) 888 7 888 or send an e-mail to platinum@amex.ee, tell us where you’d like to go and our consultants will arrange everything for you. Service is available in Estonian, Russian and English.

The American Express Platinum card comes with platinum-level travel service offered by our long-term partner and Estonia's largest and most reliable travel agency, Estravel. Experienced travel agents are always at your service to book your flights, compile extraordinary vacation packages or recommend what to do at the destination. You can contact the travel service via Platinum customer service telephone 888 7888.

In addition to that, Estravel has another special offer for American Express Platinum cardholders: an option to join the Estravel American Express Platinum Club, which is a client programme offering many benefits.

Platinum Club benefits for American Express Platinum cardholders
  • Personal and superior service in the American Express Card Service Department.
  • Service fee discount up to 100% when purchasing trips from Estravel travel agencies.
  • 10% travel insurance discount when purchased from Estravel. Please note: Along with an American Express Platinum card you and your family members travelling with you are already covered by Swedbank P&C Insurance's travel insurance with good conditions and no additional fee.
  • Special offers and permanent discounts from partners.
  • Collecting bonus points from private and business travels.
  • Travel offers via e-mail.
  • With flight tickets purchased from Estravel you get free entrance to the business class Nordea Lounge at Tallinn airport. Please note: Free entrance also with a Priority Pass card.
  • Free home delivery of the Estraveller travel magazine.

Joining the programme does not oblige you to do anything and you can leave at anytime.

American Express Platinum comes with a premium travel insurance package, which covers you and your family members travelling with you during trips of up to three months anywhere in the world. The sums incurred included in the package apply to each case irrespective of how many of them occur during the trip.

If you or your family members run into difficulties when travelling, all you need to do is call Platinum Customer Service on 888 7888 and we will deal with your concern straightaway.

Travel insurance covers:
  • medical and transport expenses related to accidents and illnesses;
  • expenses incurred due to changes to your travel plans (cancellation or interruption of a trip, delayed travel etc.);
  • the cost of restoring or replacing personal items taken on a trip should they be damaged or destroyed (including stolen) as a consequence of a sudden and unforeseeable event;
  • damage caused to third parties or items belonging to them during a trip;
  • comprehensive insurance in the case of renting a car. Excess in an insured event is 250 euros.

The travel insurance is provided by Swedbank P&C Insurance AS. Please read the insurance terms and conditions and call the Platinum Customer Service on 888 7888 if you have further questions.

Notify of damage

If an insured event occurs, call our claims handling

Report a damage

Claims handling 888 2111,
kahjuabi@swedbank.ee

Swedbank P&C Insurance AS
Liivalaia 12, 15039 Tallinn


  • What does the Swedbank Gold and Platinum credit card travel insurance cover?

    Insurance cover and amount insured with excess

      American Express Platinum
    American Express Gold
    Gold revolving credit card (MasterCard)
    Platinum fixed payment credit card (VISA)
    Gold fixed payment credit card
    American Express Platinum and New Visa Platinum American Express Gold Gold revolving credit card (MasterCard) Platinum charge credit card (VISA) Gold charge credit card (VISA, MasterCard)
    Terms and conditions of travel insurance: Insurance terms and conditions Insurance terms and conditions Insurance terms and conditions Insurance terms and conditions Insurance terms and conditions
    Additional terms for obtaining travel insurance cover: No payment requirement Payment requirement of 50% of travel expenses
    No payment requirement
    Payment requirement of 75% of travel expenses
    Deductible: No deductible Deductible amount is EUR 30 No deductible
    Insurance cover Maximum Sum Insured (€) per Insured Person
    Accident insurance
    Accidental disability/death EUR 20 000 EUR 10 000 EUR 10 000 EUR 10 000 EUR 10 000
    person over 18 years of age Uniform cover for all regardless of age Uniform cover for all regardless of age Uniform cover for all regardless of age EUR 10 000 EUR 10 000
    person under 18 years of age Uniform cover for all regardless of age Uniform cover for all regardless of age Uniform cover for all regardless of age EUR 2 000 EUR 2 000
    Medical treatment expenses and transportation costs EUR 500 000 EUR 500 000 EUR 500 000 EUR 50 000 EUR 50 000
    Medical treatment expenses related to dental trauma and severe dental pain EUR 200 EUR 200 EUR 200 EUR 200 EUR 200
    Acquisition cost of medical aids (glasses, hearing aids, prostheses, etc.) EUR 200 EUR 200 EUR 200 EUR 200 EUR 200
    Services covered by medical treatment expenses:
    transportation to the closest hospital No limitations; according to the cover for medical treatment expenses and transportation costs. EUR 20 000 EUR 20 000
    expenses incurred in repatriation of the ill or injured person No limitations; according to the cover for medical treatment expenses and transportation costs. EUR 20 000 EUR 20 000
    cost of coffin No limitations; according to the cover for medical treatment expenses and transportation costs. EUR 5 000 EUR 5 000
    expenses incurred in repatriation of the deceased No limitations; according to the cover for medical treatment expenses and transportation costs.. EUR 10 000 EUR 10 000
    repatriation of a child No limitations; according to the cover for medical treatment expenses and transportation costs. EUR 17 000 EUR 17 000
    expenses of extension of the trip No limitations; according to the cover for medical treatment expenses and transportation costs. Travel and accommodation costs up to 10 days Travel and accommodation costs up to 10 days
    travel expenses of a person close to the insured person Travel and accommodation costs (including meals) of one person up to 5 days Travel and accommodation costs (including meals) of one person up to 5 days Travel and accommodation costs (including meals) of one person up to 5 days Travel and accommodation costs (including meals) of one person up to 5 days Travel and accommodation costs (including meals) of one person up to 5 days
    Insurance cover Maximum sum insured per credit card
    Property insurance
    Personal belongings (damage, theft) EUR 2 500 EUR 1 500 EUR 1 000 EUR 1 000 EUR 1 000
    Trip interruption and cancellation insurance
    Change of itinerary EUR 5 000 EUR 3 000 EUR 2 000 - -
    Cancellation of trip The cancellation and the interruption of the trip and cancelled departure have all been included in the change of itinerary EUR 2 000 EUR 2 000
    Interruption of trip EUR 2 000 EUR 2 000
    Cancelled departure EUR 1 000 EUR 1 000
    Exchange of flight ticket EUR 150 EUR 150 EUR 150 EUR 150 EUR 150
    Delay of flight
    - over 4 hours EUR 500 EUR 150 EUR 150 EUR 150 EUR 150
    - over 24 hours EUR 300 EUR 300 EUR 300 EUR 300
    Luggage delay
    - over 4 hours EUR 1000 EUR 300 EUR 300 EUR 150 EUR 150
    - over 24 hours EUR 300 EUR 300
    Liability and legal expenses insurance
    Liability insurance in case of bodily injury and material damage EUR 20 000 EUR 15 000 EUR 10 000 EUR 10 000 EUR 10 000
    Legal expenses EUR 10 000 EUR 1 000 EUR 1 000 EUR 1 000 EUR 1 000
    Bail EUR 5 000 EUR 3 000 EUR 3 000 EUR 3 000 EUR 3 000
    Motor hull insurance of a rental car
    (deductible sum is 250)
    EUR 40 000 - - - -

If you use your American Express Platinum card to make payments, you can enjoy great special offers and discounts in shops, restaurants, hotels and many other places in Estonia and abroad. The offers apply to you worldwide and you can view

them with the help of a mobile app available under the special offers button in Swedbank’s Android app and iPhone and Windows Phone users online at
www.swedbank.ee/soodustused

Discounts (0)

    Other locationsClose

    If you have any questions regarding the discounts, please contact the American Express Platinum travel service via number 888 7888.

    Air Traffic and Airport 

    Priority Pass

    • Free membership
    • Complimentary entry to airport VIP lounges
    • Guest entry $27 per person

    As a Platinum cardholder, you also get Priority Pass membership that gives you free access to business class lounges at around 700 of the largest airports in 100 countries and 300 cities all over the world. If your flight is delayed or cancelled, you can escape the noise of the general departure lounge and relax in a quiet and comfortable lounge where you will find everything you need to work or unwind.

    You will find the locations of Priority Pass business lounges online at www.prioritypass.com. You can also contact the Platinum Customer Service or download the Priority Pass app on your smartphone to find business lounges.

    We will issue the Priority Pass along with the American Express Platinum card.

    More information and conditions: www.prioritypass.com

    More information

    American Express Lounges

    • Complimentary entrance to American Express lounges in selected airports in Argentina, Brazil, India, Mexico and the US.
    • Cardholders get complimentary entrance to our special lounges in airports in Argentina, Brazil, India, Mexico and the US.
    • Complimentary access for additional guests is specific to each lounge.

    Show your American Express Platinum card at the relevant lounge for entry.

    More information: http://thecenturionlounge.com

    More information

    Elite Tier

    Club Carlson

    • Room upgrade, subject to availability
    • 35% more bonus points for each stay

    Club CarlsonSM redefines hotel rewards with a collection of exceptional benefits, services and privileges at more than 1,000 hotels worldwide, including: Quorus CollectionSM, Radisson Blu®, Radisson®, Park Plaza®, Park Inn by Radisson, and Country Inns & Suites By CarlsonSM.

    As a Platinum Cardholder you may enrol directly into the Gold Elite status of Club Carlson. Usually annual 35 nights or 20 stays are required to earn this privilege.

    Gold Elite status offers you the following benefits:

    • Award night;
    • No blackout dates for award nights on standard rooms;
    • Room upgrade;
    • Room availability guarantee with at least 72-hour advance reservation;
    • 35% bonus points on every eligible stay;
    • Early check-in and late check-out, as available upon request;
    • Free internet at Radisson hotels worldwide, and at all Carlson Rezidor hotels in North America;
    • Elite-only customer service line.
    Register as a member of the programme

    More information: www.clubcarlson.com

    More information

    Hertz

    • Up to 25% discount off standard rates
    • One car class upgrade

    Enjoy complimentary Gold Plus Rewards® Five-Star level membership.

    Platinum Cardholders can secure Five-Star tier membership of the Hertz Gold Plus Rewards® programme, and an exclusive set of benefits. With more cars and a wider choice at over 8,500 locations across 147 countries, Hertz is your perfect partner for the journey ahead.

    Whether it is business or leisure, with Hertz you will always find your way. Enrol now and take advantage of your special Hertz privileges, exclusive to you as a Platinum Cardholder.

    • Value: Up to 15% discount off standard rates, and up to 25% off Prestige Collection vehicles (to include a Saturday night).
    • Comfort: one-car-class upgrade (subject to availability).
    • Choice: Guaranteed vehicle availability.
    • Service: Up to a 4-hour grace period when returning the vehicle; complimentary one-way rentals, and courtesy pick-up/delivery of vehicle.

    Along with our wide choice of vehicles, the Hertz Gold Plus Rewards® loyalty programme ensures a faster, more personal service – allowing you to get on with what matters most to you. So whenever you want to hire a car, and the best choice, comfort and all-round service are important to you, the place to come is Hertz.

    Register as Five-Star level member
    More information

    Avis

    • 15% discount off standard rates
    • Avis Chauffeur Drive

    Complimentary Avis Preferred membership

    As a Platinum cardholder, Avis invites you to join the Avis Preferred programme. Avis makes car hire even more special. Not only has the rental experience been finely honed to ensure a swift, smooth and dependable service, but Avis goes to great lengths to provide those little extras so that your whole journey, from pick-up to drop-off, is as safe, stress-free and enjoyable as possible.

    Register yourself as a member of the Avis Preferred programme and enjoy many benefits.

    Your very own fast lane

    Known the world over for its forward-thinking and innovative service, Avis now operates in over 4,000 locations across 114 countries. After becoming a member you will receive many benefits, including:

    • Up to 15% discount off standard rates;
    • Avis Chauffeur Drive;
    • Home Delivery, Rapid Return and Roadside Assistance;
    • Complimentary 1 car-class upgrade whenever possible;
    • At certain locations, you will also enjoy the Avis Preferred 3-Minute Promise, which means that you will be given your keys and your rental agreement within three minutes of arriving, so you will be out and on the road in no time.

    Enrol into Avis Preferred by following these instructions.

    1. Select Country of Residence from the dropdown box as the country to which your American Express card is registered;
    2. Select Leisure as your Account Type from the dropdown box;
    3. Enter Platinum (capital P) as your Promotion Code.
    4. The enrolment address entered must be your American Express card billing address.
    5. You will need your driving license and American Express card at hand.
    More information

    Properties

    Fine Hotels & Resorts

    • Best prices at more than 770 extraordinary properties around the world
    • Selection of benefits (e.g. $100 beverage and food credit)
    • Early check-in, when available
    • Room upgrade, when available
    • Daily breakfast for two people
    • Late check-out (4 pm)
    • Free WiFi

    The Fine Hotels & Resorts programme includes extraordinary properties from brands such as Leading Hotels of the World, St Regis Hotels, Luxury Collection, Dorchester Collection, Four Seasons Hotels and Resorts, Shangri-La Hotels and many more.

    Please make the booking through American Express Platinum travel service number 888 7888.

    More information and conditions: www.finehotelsresortdigital.com/internationalplatinum/2014

    More information

    Small Luxury Hotels

    • Room upgrade, subject to availability
    • Late check-out (4 pm), when available
    • Complimentary continental breakfast for two

    The best things come in small packages

    Unique boutique experiences, exceptional style and personal service on an intimate scale – it is what Small Luxury Hotels of the World™ are renowned for.

    The portfolio features 520 of the finest privately owned hotels to be found anywhere in the world. Each of them boasts the very highest standards of luxury and an attentive, tailor-made service you could only expect from a small, family-run establishment.

    So whether you are seeking relaxation at a wine resort in Australia, sophistication in a London pied-à-terre, or escapism on your own private island in the Maldives, you are guaranteed a truly unique and exceptional experience tailored exactly to your own personal needs.

    Please make the booking through American Express Platinum travel service number 888 7888.

    More information: www.slh.com

    More information

    Lifestyle

    Taste from American Express Invites Programme

    Restaurants offers one of the following special offers

    • Restaurants offers one of the following special offers
    • Complimentary appetiser from the à la carte menu;
    • Complimentary bottle of wine;

    Enjoy Dining Benefits When You Travel

    Get a taste of local cuisine – and a special offer – at restaurants in some of the most exciting cities around the world with the Taste from American Express Invites Programme from American Express. Just mention that you are an American Express® Cardholder when you make a reservation at participating restaurants and pay with your American Express Card.

    Make your next travel experience even more rewarding with the Taste from American Express Invites Programme from American Express! View the complete list of cities, participating restaurants and special offers at www.amexdiningprogram.com where you can also make reservations. You can also read the terms and conditions of the programme from the address.

    More information

    When you use your Platinum credit card to pay for purchases, you earn more reward points than with any other Swedbank credit card. You will earn one point for every €4 paid for using your American Express Platinum credit card and your points are valid for five years instead of the usual two.

    You can use the reward points to get discounts on banking services, choose great gifts or make donations. You can also choose gifts from the list meant exclusively for American Express cardholders.
    You can view the reward programme offers online at
    www.swedbank.ee/preemiapunktid

    • Credit cards

      1. PRIVATE PERSON Effective as of 01.07.2016
      1.1 Revolving credit card (2)
      - monthly fee 1,30 €, free of charge for people up to 25 years of age
      - monthly fee of an additional card 1,30 €
      - annual interest rate 19 - 22%
      - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      1.2 Fixed payment credit card
      - annual interest rate 19 - 22%
      - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      - debt notice 3 €
      1.3 Gold Revolving credit card (3)
      - monthly fee 3,70 €
      - monthly fee of an additional card 2,50 €
      - annual interest rate 17 - 20%
      - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      - debt notice 3 €
      1.4 Visa Platinum credit card (4)
      - monthly fee 12,90 €
      - monthly fee of an additional card 10,90 €
      -Visa Platinum extra package 160,20 € a year (5)
      - annual interest rate 14 - 17%
      - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      - the Priority Pass salon visit fee  
           - for holder of Visa Platinum card with extra package free of charge
           - for holder of Visa Platinum card without extra package 27 USD per visitor
           - for persons accompanying Visa Platinum cardholder 27 USD per visitor
      1.5 Gold Charge credit card
      - monthly fee of the primary card 5,11 €
      - monthly fee of an additional card 2,56 €
      - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      - debt notice 3 €
      1.6 Platinum Charge credit card
      - annual fee of the primary card 127,82 €
      - annual fee of an additional card 63,91 €
      - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      - debt notice 3 €
      - the Priority Pass salon visit fee for a Platinum credit card holder 27 USD per visitor
      1.7 American Express Blue credit card (6,7) 
      - monthly fee of the primary card 1,60 €
      - monthly fee of of an additional card 1,60 €
      - annual interest rate 17 - 20%
      -penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      1.8 American Express Gold credit card (6,8)
      - monthly fee of the primary card 10,50 €
      - monthly fee of of an additional card 7 €
      - annual interest rate 16 - 19%
      -penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      - the Priority Pass salon visit fee 27 USD per visitor
      1.9 American Express Platinum credit card (6,9)
      - annual fee of the primary card 475 €
      - annual fee of an additional card 320 €
      - annual interest rate 14%
      -penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      - the Priority Pass salon visit fee for a cardholder free of charge
      - the Priority Pass salon visit fee for for persons accompanying cardholders 27 USD per visitor
      GENERAL SERVICE AND TRANSACTION FEES
      1. Card opening fee
      - opening a card at branch 2,50 €
      - opening a card in Internet Bank 1,50 €
      2. Payment in a commercial enterprise free of charge
      3. Cash deposit in euros in home bank's terminal (10) - up to 5000 € per calendar month free of charge;
      - 0,25% of the deposited amount that exceeds 5000 € per month
      4. Cash withdrawal 1,92 € + 2.5% of the amount
      5. Transfer from credit card limit account according to regular bank transfers pricelist
      6. Replacement of a card 7 €
      7. Statement of transactions
      - in last month free of charge
      - a previous month 4 € per month
      8. Amendment of a credit card agreement (11)
      - increase of credit limit at branch 1% of the requested additional limit, min 10 €
      - increasing of credit limit in the Internet Bank 3,20 €
      - amendment of the agreement at branch 10 € (excluding changing the user limits)
      - amendment of the agreement in the Internet Bank free of charge
      9. Closure of a credit card free of charge
      10. Penalty for using a closed card 65 €
      11. Copy of a receipt (inquiry)
      - a transaction in Estonia 4 €
      - a transaction abroad 8 €
      12. Balance inquiry and statement in Swedbank’s terminals in Estonia free of charge
      13. Balance inquiry in other bank’s terminals in Estonia and abroad (12) 0,32 € per query
      14. 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)
      15. Using a Visa or MasterCard assistance service abroad (issue of a temporary credit card abroad) 0 to 130 €, depending on actual costs
      16. Sending a card from one branch to another (13) 2,50 €
      17. Sending a card by mail
      - mail (Estonia) free of charge
      18. Conversion fee for transactions in foreign currencies (14)
      - VISA or MasterCard 1% of transaction amount
      - American Express card 0.5% of transaction amount
      19. Renewal of primary and additional card free of charge
      2. LEGAL PERSONS Effective as of 01.09.2016
      2.1 Business Credit Card (15)
      - issue fee 5 €
      - monthly fee 3 €
      - annual interest rate 18%
      - penalty 0.2% a day
      - debt notice 3 €
      2.2 Business Gold Credit Card (16)
      - issue fee 10 €
      - monthly fee 10 €
      - annual interest rate 14%
      - penalty 0.2% a day
      - debt notice 3 €
      - the Priority Pass salon visit fee 27 USD per visitor
      2.3 Charge card MasterCard Business (17)
      - annual fee 25 €
      - penalty 0.2% a day
      - debt notice 3 €
      2.4 Charge card Visa Business Gold (17)
      - annual fee 120 €
      - penalty 0.2% a day
      - debt notice 3 €
      - the Priority Pass salon visit fee 27 USD per visitor
      2.5 Fixed Payment credit card Visa Business (17)
      - issue fee upon first application and renewal free of charge
      - monthly fee 1,30 €
      - annual interest rate 18%
      - penalty 0.2% a day
      GENERAL SERVICE AND TRANSACTION FEES
      1. Payment in a commercial enterprise free of charge
      2. Cash deposit in euros in home bank’s terminal (18) - up to 5000 € per calendar month free of charge;
      - 0,25% of the deposited amount that exceeds 5000 € per month
      3. Cash withdrawal 1,92 € + 2.5% of the amount
      4. Transfer from credit card limit account (19) according to regular bank transfers pricelist
      5. Replacement of a card 7 €
      6. Statement of transactions
      - in last month free of charge
      - a previous month 4 € per month
      7. Amendment of a credit card agreement
      - increasing of the credit limit at branch 1% of the requested additional limit, min 10 €
      - amendment of the agreement 10 € (excluding changing the user limits)
      - amendment of the agreement in Internet Bank free of charge
      8. Closure of a credit card free of charge
      9. Penalty for using a closed card 65 €
      10. Copy of a receipt (inquiry)
      - a transaction in Estonia 4 €
      - a transaction abroad 8 €
      11. Balance inquiry and statement in Swedbank’s terminals in Estonia free of charge
      12. Balance inquiry in other bank’s terminals in Estonia and abroad (12) 0,32 € per query
      13. 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)
      14. Sending a card from one branch to another (13) 2,50 €
      15. Using a Visa or MasterCard assistance service abroad (issue of a temporary credit card abroad) 0 to 130 €, depending on actual costs
      16. Conversion fee for transactions in foreign currencies (14) 1% of transaction amount

      (1) 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.
      (2) When paying for goods or services with a private person’s revolving credit card, the transaction amount is subject to a 30- day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once.
      (3) When paying for goods or services with a private person’s Gold revolving credit card, the transaction amount is subject to a 40-day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once.
      (4) When paying for goods or services with the Visa 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). When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once.
      (5) If the period between ordering Visa Platinum extra package and expiry of Visa Platinum card is less than one year, the Bank will debit a fee for an extra package in full amount.
      (6) American Express cards are not issued from 1 st of July 2016.
      (7) When paying for goods or services with the American Express Blue 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). When making transfers from credit card limit account, the calculation of interest starts at once.
      (8) When paying for goods or services with the American Express Gold 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). When making transfers from credit card limit account, the calculation of interest starts at once.
      (9) When paying for goods or services with the American Express Platinum credit card, the transaction amount is subject to an up to 50-day interest-free period (between the date of purchase and the payment date). When making transfers from credit card limit account, the calculation of interest starts at once.
      (10) Possible with credit cards pointed in 1.1 – 1.4. 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.
      (11) If upon the renewal of a credit card on the basis of an application, the credit limit of the credit card is rounded by increasing or decreasing the credit limit up to 50 € (incl.), no fee for amending the credit limit shall be charged when increasing or decreasing the credit limit.
      (12) 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.
      (13) The price is inclusive of VAT at the rate of 20%.
      (14) Added to the amount of every transaction made with the card if the card transaction is in a currency other than the euro. The conversion fee is not subject to a refund if the transaction is cancelled.
      (15) When paying for goods or services with a Business Credit Card, the transaction amount is subject to a 30- day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once.
      (16) When paying for goods or services with a Business Gold Credit Card, the transaction amount is subject to a 40- day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once.
      (17) The card is not issued from 20th of April 2016.
      (18) Possible with Fixed Payment credit card Visa Business, with Business Credit Card and with Business Gold Credit 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.
      (19) Service is available with Business Credit Card and Business Gold Credit Card.