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Special offer

Credit card - for shopping and travelling with confidence

Special offer! Gold revolving credit card with 0 € monthly fee until 30.09.2024.*

  • 180-day purchase insurance
  • Credit limit with interest-free period
  • Travel insurance with Gold and Platinum cards
  • Discounts

*Special offer is valid when applying for the credit card from 23.05.2024 to 26.06.2024. From 01.10.2024, the standard monthly fee specified in the price list will apply. If you have had the same type of credit card previously, the special offer applies to you only if at least 3 months have passed since you’ve cancelled your card.

Credit cards comparison

The information (in the table/above) may be different from the terms offered to you.

*The insurance applies free of charge to the cardholder as well as to the spouse/partner, minor children, and minor grandchildren traveling with them. The insurance will cover the adult child or grandchild if they are up to 21 years old (incl.) full-time student and are not married.

  • Bicycle was stolen.
  • Child broke his winter parka in kindergarten.
  • Glasses were broken.
  • Computer was damaged.
  • Skis were broken.
  • Surfing equipment was damaged.
  • And many more.

document Purchase insurance terms and conditions

  • Purchase insurance applies to goods purchased with credit card at stores and online.
  • It compensates expenses on repair or replacement of durable goods* in case of theft, damage or destruction even if it was done unintentionally by the card holder himself.
  • It applies to most purchases incl. clothing, sports equipment, tech gadgets etc. for 180 days from the day you received the goods.
  • To claim you need to have purchase document or payment information.

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

Sums insured are determined for each insured item, insured event and calendar year.

  • One item € 1,000.
  • One insured event € 2,000.
  • One year € 4,000.
  • Items with limited compensation* €400.
  • Excess per insured event is €30.

*Computers, computer parts and external devices; mobile phones; glasses, incl. sunglasses; watches; unique items, jewelry (incl. precious stones, precious metals and pearls); items made of fur.

Please be aware that in case of medical assistance and trip interruption we consider the COVID-19 disease equally to other diseases which are not excluded in terms and conditions of travel Insurance.
  • Many expenses related with unwanted travel changes (flight cancellations, delays, travel interruption etc.).
  • The limit for medical assistance per insured person is now 750,000 EUR.
  • Stolen or damaged baggage.
  • Injuries while traveling (incl. skiing, swimming pool accidents etc.).
  • Need of legal assistance.
  • Trip cancellation due to illness.
  • And other situations.
  • Travel insurance will keep you safe from unwanted worries and, most importantly, from unexpected expenses when enjoying your holidays.
  • The insurance applies free of charge to the cardholder as well as to the spouse/partner, minor children, and minor grandchildren traveling with them.*
  • The insurance cover is valid from the moment when the card agreement is concluded and remains in force until the card agreement is ended.
  • If you travel with your family just once a year, the travel insurance with Credit Card will pay off.

*The insurance will cover the adult child or grandchild if they are up to 21 years old (incl.) full-time student and are not married.

Gold revolving credit card

Platinum credit card

Credit card fees The monthly fee is €5.99 (€71.88 per year), including free travel insurance The monthly fee is €14.90 (€178.8 per year), including free travel insurance.
Insured persons Entire family Entire family
Insurance cover Sum insured per insured person (€) Sum insured per insured person (€)
Medical assistance (cost) 750,000 EUR 750,000 EUR
Insurance cover Sum insured per credit card (€) Sum insured per credit card (€)
Personal belongings (damage, theft) 1,000 EUR 2,500 EUR
Travel route/schedule change 2,000 EUR 5,000 EUR
Flight ticket change 150 EUR 150 EUR
Flight delay (over 4 hours) 150 EUR 500 EUR
Flight delay (over 24 hours) 300 EUR 500 EUR
Luggage delay (4 hours) 300 EUR 1,000 EUR
Liability insurance 10,000 EUR 20,000 EUR
Legal assistance 1,000 EUR 10,000 EUR
Bail 3,000 EUR 5,000 EUR
Rental car CASCO 40,000 EUR (excess 250 EUR)
Excess 30 EUR* No excess.
Coverage Insurance cover applies automatically**.
Validity Valid until the end of credit card agreement during trips of up to three months.
Terms document Travel insurance conditions document Travel insurance conditions

*Excess applies to insured events related to property insurance, travel itinerary changes and liability and legal assistance insurance.

**The insurance cover enters into Forde since the moment when the card agreement is concluded and remains in force as long as the card agreement continues in force.

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.

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  • I’ve lost my credit card. What should I do?

    In order to block/close the card you have as following options:

    • Block the card in the Swedbank mobile app, under “Cards” by switching the setting from “Active” to “Blocked” or on the Internet Bank, go to the page „My cards“ and then choose „Block card.“ In this case, you can block the card for up to 10 days. After that, it will be closed automatically.
    • You can replace the card in the app or the Internet bank by selecting "Cards" and "My cards" from the menu and then clicking “Replace card” under your card.
    • You can block and replace the card by calling us at +372 6 310 310.

    Ordering a new credit card or replacing it costs 7 euros.

  • Where can I receive the renewed credit card?

    The renewed card can be delivered:

    • by post to your Estonian contact address. You can choose this on the „My Cards“ by choosing „Change card delivery method“ under your card;
    • to any Swedbank branch.

  • Are credit cards renewed automatically?

    Credit cards are usually renewed automatically. If the credit card is not renewed, we inform the customer of it before expiry of the credit card via bank message, e-mail or by post.

  • Can I get the renewed card sooner if I know that I will not be able to collect it at the time of renewal?

    If you would like to receive a new credit card earlier, please apply for a new credit card.

    We will give the answer to application within three workdays and if the application answer will be positive, then the card will be ready to be collected from the branch in 10 days or if your ordered by post, it will be delivered in 5 business days.

  • I have a credit card but I’d like to replace it with another type of credit card. What should I do?

    Please contact us and we will find the most suitable solution for you.

  • I would like to close my credit card. What should I do?

    If you wish to close your credit card (i.e., cancel the card and credit), please send us a bank message.

  • How can I change the credit limit on my credit card?

    You can make the changes via the Internet Bank by filling out a new credit card application and writing on the additional information field that you wish to increase your current credit card limit and mark the suitable amount. You will receive an answer within two work days.

  • Does a fee apply for ATM cash withdrawals?

    Yes. Withdrawal of cash with a credit card is subject to a fee according to the current price list, except for Platinum and Gold credit cards. With Platinum credit card, there is no commission fee for cash withdrawal up to 1000 EUR all over the world and with Gold credit card that amount is 500 EUR. When withdrawing cash from another bank's ATM, a service fee may be added, which is determined by the ATM operator.

  • Is any fee charged for paying for a purchase with a credit card?

    For transactions made in foreign currency, a conversion fee of 1% of the transaction amount is applicable (with Platinum credit card (Mastercard), there is no currency exchange surcharge). Card payments are free of charge in countries which have euros as their official currency. If you are paying in a country with a different official currency then you are subject to paying the currency conversion fee, which is a certain percentage of the transaction amount. You can find up to date information on our price list.

  • Is any fee charged for transfers from the credit card account?

    Fees for transfers from the credit card account are identical to those for transfers from the current account.

    Transfers between one’s own accounts or other accounts within Swedbank are free of charge.

    PS! Please note that if you make a transfer or withdraw cash from the credit card account, the calculation of interest begins immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.

  • Where can I pay back used credit limit?

    You can pay back the used credit limit via the Internet Bank page under Cards > „My cards” by selecting "Return full used credit limit"

  • Where can I pay back interest accruing credit limit?

    You can pay back the used credit limit via the Internet Bank page under “Cards” > “My cards” by selecting "Return interest accruing credit limit"

  • Do I have a valid travel insurance with my credit card?

    The insurance cover attached to the Gold revolving card or Platinum credit card takes effect automatically once you enter into the credit card agreement and remains valid until the credit card agreement is valid.

Fixed payment credit card

  • New Fixed payment credit cards are no longer issued to customers from 21.04.2022.
  • Read more

Take care of your safety with Travel insurance which now includes Covid-19 insurance cover

For trips taking place starting from 6 May 2021 we're offering a Travel Insurance Covid-19 cover without an additional fee. The Covid-19 insurance cover is automatically valid while aboard if any of the preconditions apply:

  • Negative Covid-19 test result within 72 hours prior to the start of the trip. In this case the supplementary insurance is valid for 30 days.
  • Confirmation that you have been infected with Covid-19 within the last 6 months and you are recovered.
  • Full vaccination certificate.

Preconditions apply to children starting from age of 12.

Preconditions are not needed if trip is cancelled due to Covid-19 sickness or self-isolation before the trip.

For example, we will compensate Covid-19 related medical expenses abroad, travel disruption costs if you are not allowed to enter to public transport due to Covid-19 symptoms and travel cancellation costs if you have received a positive coronavirus test or you are a close contact person.

Travel disruption caused by authorities (e.g. closed borders, lockdowns) is not covered even in case of pandemic/epidemic.

Carefully consider the need to go abroad.

Read more

Make payments easily, shop online and save money every time you pay by card with Easy Saver.

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

Card related questions and card claims

Insurance related questions and claims

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

Report damage

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Internet Exploreriga ei saa internetipanka avada.

Palun kasuta Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i.

Alates 23. märtsist ei ole võimalik Internet Exploreri veebibrauseri kaudu Swedbanki internetipanka avada.

Internet Exploreri kaudu ei saa teha ega kinnitada Swedbanki makseid ka teistel veebilehtedel.

Soovitame kasutada Internet Exploreri asemel Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i uusimat versiooni. Nende seadistamise juhendid leiad siit.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Klienditugi - Инфо и помощь - Customer service: +372 6 310 310

Swedbank
  • Teie operatsioonsüsteem ja veebilehitseja ei ole kaasaegne ega toetatud Swedbank internetipanga poolt. Palun uuendage oma operatsioonsüsteem ja veebilehitseja või pöörduge vastava IT tehnilise spetsialisti poole.
  • The operating system of your device & your browser are too outdated to be supported by Swedbank Internet Bank. Please, update the operating system & browser or turn to IT specialist for technical help.
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