Service plans

Service Plans offer the opportunity to include daily banking services in one package, making financial management more convenient. Just choose the most suitable plan for your needs.

The service plan’s terms and conditions will apply to all your accounts within Swedbank, and the ones opened in the future.

After concluding a service plan, it will be valid immediately. Travel insurance will be valid from the next day from Travel plan’s conclusion (except for the Trip cancellation). Trip cancellation takes effect on the 3rd day after entry into the Travel plan agreement.

The regular prices will apply after you close the plan or if you exceed the range of services included in the plan, such as ordering additional debit cards.

The monthly fee of the plan is calculated for the days used and debited from the account on the 15th day of the following month.

In all our Service Plans, there are included one debit card in your name (including ISIC) and unlimited free payments in the app and Internet bank:

• intra-bank payments;
• domestic payments (including instant payments);
• European payments;
• payments made within the Swedbank group;
• domestic and European standing orders;
• automated e-invoice payments;
• bank link payments.

In addition, purchase insurance is included in the plans Purchase plan and Travel plan

Travel insurance for the plan holder is included in the Travel plan.

One debit card in your name (including ISIC), is added to the Plan.

If you have several debit cards, the card with the highest monthly fee is added to the Plan, so you’d benefit the most.

Private customers can conclude the Service Plan from 18 years old.

Parent or representative (on behalf of the child/represented person) can conclude:

• Purchase plan and Travel plan from the age of 6

It is possible to apply, swich between the service plans or cancel it at any time.

Customers from 18 years old can manage the service plans in the internet bank. Parent or legal guardian can manage the plans via our customer service by sending us a bank message/calling us.

In case you switch from one Service Plan to another, the change will be in force immediately and you may lose important cover/service. For example, switching from Travel plan to Purchase plan, you will lose all Travel insurance covers.

Be aware that if you change or terminate the Service Plan, the fee for the days that you used the Service Plan will be charged immediately.

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

• One item – €1000.
• One insured event – €2000.
• One calendar year – €4000.
• Tickets insured amount per calendar year - €1000.
• Items with limited compensation – €400.
• Deductible per insured event – €30.

Items with limited compensation are computers, tablets, their parts and external devices; mobile phones; glasses, incl. sunglasses; watches; unique items, jewelry (incl. precious stones, precious metals and pearls), failed delivery of internet shop purchases.

If the customer has both a credit card and a service plan at the same time, the insurance sums may be combined in case of a claim, if necessary, but the customer cannot receive double compensation for the same incident.

• Purchase insurance terms and conditions
• Purchase insurance information document

Insurance is provided by Swedbank P&C insurance AS.

Questions related to insurance terms and conditions

• Call 888 1513

In case of insured event

• Report a damage
• 888 2111 (24h)

• Bicycle was stolen.
• Child accidentally tore his winter parka.
• Glasses fell and got broken.
• Online purchased lamp/light fixture was delivered broken.
• Computer was damaged by water.
• Skis were broken.
• And many more.

• Purchase insurance applies to durable goods purchased with your Swedbank card at stores and online worldwide or through transfer from current account of service plan holder. Insurance does not apply to supplementary card holder.
• Durable goods are items with a lifespan of at least 3 year.
• Durable goods are insured in case of theft, damage or destruction even if it was done unintentionally by you.
• Insurance is valid for 365 days from the day of purchase and applies to most purchases incl. clothing, sports equipment, tech gadgets etc.
• Insurance validity starts with concluding a service plan and ends with terminating a service plan or switching to service plan without purchase insurance. Purchase insurance is valid only if customer has a service plan with purchase insurance uninterruptedly from purchase moment to claim moment.

To claim you need to have the purchase document and payment information.

• Cost of tickets if you or your family member cannot attend a scheduled event due to illness, death or accident, problems with transportation or other reasons listed in Purchase insurance terms & conditions.
• Applies to events in Estonia if ticket is purchased by the service plan holder. Protection applies to events such as concerts, conferences, theater, and sports matches.

• Buy tickets with your Swedbank card or using bank transfer from your account. Insurance is valid, in case service plan with purchase insurance is valid continuously from the time of purchase of tickets to the insured event.
• Total insured tickets amount per calendar year is €1000.
• There is no deductible, but minimum claim amount (total cost of unused tickets) should be not less than €30.

Insurance is provided by Swedbank P&C Insurance AS.

• Purchase insurance terms and conditions
• Purchase insurance information document

Questions related to insurance terms and conditions

• Call 888 1513

In case of insured event

• Report a damage
• 888 2111 (24h)

• Purchase paid with card is protected by a card transaction claim. If your purchase has been delivered broken or hasn’t been delivered at all, submit card transaction claim via internet bank within 90 days since date of purchasing.
• Products that weren’t compensated by a card transaction claim or that were paid using bank transfer are protected by purchase insurance. Product needs to have shipping tracking number.

• For card transaction claim compensation amount is sum of your purchase.
• For insurance sum insured see here.

1. First, contact seller to require loss compensation.
2. If seller refuses to compensate loss, report damage here.

Insurance is provided by Swedbank P&C Insurance AS.

• Purchase insurance terms and conditions
• Purchase insurance information document

Questions related to insurance terms and conditions

• 888 1513

In case of insured event

• Report a damage
• 888 2111 (24 h)

Validity

• Travel plan’s insurance is valid only for the package owner.
• Gold and Platinum credit card insurance is valid for the cardholder and their accompanying family members.

Insurance Amounts

Travel Plan:

• Travel route/schedule change: up to €1,000
• Personal belongings (damage, theft): up to €750

Gold revolving credit card:

• Travel route/schedule change: up to €2,000
• Personal belongings (damage, theft): up to €1,000

Platinum credit card:

• Travel route/schedule change: up to €5,000
• Personal belongings (damage, theft): up to €2,500
• Rental car CASCO: up to €40,000

See more on the credit cards page.

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

If the customer has both a credit card and a service plan at the same time, the insurance sums may be combined in case of a claim, if necessary, but the customer cannot receive double compensation for the same incident.

Insurance is provided by Swedbank P&C insurance AS.

• Travel insurance terms and conditions for Travel plan user
• Insurance product information document for Travel plan user

Questions related to insurance terms and conditions

• 888 1513

In case of insured event

• Report a damage
• 888 2111 (24h)

In case of medical expenses exceeding 1000 €, please contact us first by phone.

• Many expenses related with unexpected travel changes (flight cancellations, delays, travel interruption etc.).
• Medical assistance abroad.
• Injuries while traveling (incl. skiing, swimming pool accidents etc.).
• Stolen, delayed or damaged baggage.
• Need for legal assistance.
• Trip cancellation due to illness.
• And many other situations.

• Travel insurance will keep you safe from unexpected worries and, most importantly, from unexpected expenses when enjoying your holidays abroad.
• The insurance is valid from the next day (except for the trip cancellation) after the Travel plan agreement is concluded and is valid until the moment this agreement is terminated. Trip cancellation takes effect on the 3rd day after entry into the Travel plan agreement.