Rewards points

Special offers

Campaign

20% off home loan or home equity loan contract fee

1 000points

500points

More

€ 100 fuel card from Nordauto

100points

More

New

Cruise to Sweden – 30%

75points

More

25% discount on Thai massage

80points

More

Business customer

Campaign

Up to three new business debit cards for six months without issuing charge and monthly fee

270points

135points

More

Campaign

50% discount on payment terminal rental for six months

900points

450points

More

20% discount on the agreement fee of a business lease

500points

More

20% discount on the agreement fee of a business loan (of up to 100,000 euros)

800points

More

Most popular

Euro-based intra-bank Internet bank payments free of charge for six months

175points

More

35% off TurBliss peat cosmetics

70points

More

A 20% discount on Ampstükk raw energy bars

15points

More

Donate 1 euro - Children and families

60points

More

• Where can I get more information about the rewards program?

  If you are unable to find an answer to your question from the webpage www.swedbank.ee/preemiapunktid, feel free to contact our customer service centre at 6 310 310 or ask for more information at any Swedbank branch.

• Who participates in the reward programme?

  Points can be collected in the reward programme with all Swedbank bank cards, including both debit and credit cards, owned by private persons. Bank cards of children are also included in the programme. To order a gift, the child must have an internet bank user agreement which can be concluded from age 7.

  Self-employed persons and legal persons cannot participate in the reward programme.

• Why can’t I earn reward points as a business client?

  Only private persons can earn reward points from their card transactions. However, a private person can use collected points to order a bank discount for their company if they are a member of the management board of that company or an A-authorised signatory in the bank.

• How do I earn points?

  Different bank cards earn points differently. The points are calculated to one decimal place every 7th of the month and added to your reward account on the 8th of the month.

  For example, when spending 60 euros you receive the following amount of points:

  

• How can I check how many points I’ve earned?

  • Log in to the Internet bank.
  • You will see how many points you have earned on the front page of the private client website.
  • You can also check your points on the reward programme page, which you can find by clicking on «Rewards points» on the left-hand menu on the front page of the private client site.
  • If you are authorised to use your child’s accounts on the internet bank, you will be able to check their account information, but will not be able to see or use their reward points.
  • Only the child, as the account holder, is the only person can order gifts using their reward points on the internet bank.

• Why is it not possible for me to see my reward points in the business client internet bank?

  Only private persons can earn bonus points for their card transactions, therefore, these are only visible in the Private Client Internet Bank.

• Why haven’t I received any reward points for my card payments?

  The reward points earned in the month that ended are transferred to the reward accounts of clients on the 8th of the subsequent month. For example, points earned for payments made in October will be added to the reward account on 8 November.

  If you’ve been using your card for a long time but haven’t received any points, you’re probably using a card issued to a legal entity or you’re a sole trader. Points can only be earned for payments made with Swedbank bankcards issued to private individuals.

• Can family members or members of the management board sum up their points?

  No, they cannot. Reward points are linked to a specific person.

• How can I use my points?

  • You can order one gift per month via the rewards program. That way you can choose whether to order a small gift every month or save up your points for something bigger and more valuable.
  • The points can not be given as gifts, granted or transferred in any other way to another person.
  • You can take a look at the gifts that are available to choose from on the rewards program page at www.swedbank.ee/preemiapunktid.

• If I have American Express as well as MasterCard/VISA card points, which ones should I use first when ordering a gift?

  Points are used in the order of their validity, i.e. the points that expire first are used first irrespective of the order in which they were collected.

• How long can I use my points?

  You can see the amount of your reward points and their expiry date by logging in to Swedbank’s internet bank. The expiry date indicates that the points will expire on that date and will be deleted from your reward account.

  The validity period is calculated based on the reward account, for example, when paying with debit and credit cards (excl. American Express cards) a reward account will be created, to which reward points will accumulate for two years. When the two years is up, all points on the reward account will expire, incl. those collected even a month before the end of the two-year validity period of the reward account. Points are saved to the reward account on a regular basis and are valid for up to 2 years (excl. American Express cards). All points of a reward account will expire once the expiry date of the reward account arrives and all reward points have the same expiry date. For example, points collected a year ago expire at the same time as points collected a month before the expiry date.

  Expired reward points can not be reinstated. We therefore advise you to use the points as early as possible, but no later than one day before the expiry date. The points you have earned earlier are annulled first on the expiry date and the new points earned for the transactions performed in the previous month are then added to your account. The new collection period begins on the same day

  Example. The client has a debit card only. The card was automatically included in the reward programme on 1 October 2011.

  • The client earned points with this card from 1 October 2011 to 30 October 2013.
  • The first points were added to the client’s reward account on 8 November 2011 for transactions performed in October, the points for November were added to the account on 8 December 2011 and so on.
  • The last points for this period were added on 8 November 2013.
  • The points could be used until 6 December 2013, after which (on 7 December 2013) the points were reset to zero and the points earned in the previous month were then added to the reward account. The new collection period began on the same day.

  NB! The expiry date of the points is not related to the expiry of the bank card, the issue of a new bank card or the change of your card type. It is made sure that you have an active bank card before a new reward period is activated.

  Example. I have a credit card and a debit card.

  A client using a credit card has joined the reward programme in November 2010. The existing credit card has already earned reward points and the points on the reward account already have an expiry date of 7 January 2012.

  On 1 October, the client’s debit card is also added to the reward programme, the first points of which are added along with the credit card’s points for October on 8 November, and for November on 8 December etc. The points of the first period will expire with the expiration of the credit card’s points on 7 January 2012, therefore you should order a gift before that date. After this date a new validity period of the reward points will be activated according to the terms and conditions of the reward programme (7 January 2014; 7 January 2016, etc.).

  Example. I only hold a debit card.

  The client has a debit card only. On 1 October 2011 all of the bank´s debit cards are automatically added to the reward programme. The client will earn points with this card from 1 October 2011 to 31 October 2013. The first points will be added to the client’s reward account on 8 November 2011 for transactions performed in October, the points for November will be added to the account on 8 December 2011 and so on. The last points of the period will be added on 8 November 2013. The points must be used before 7 December 2013 as they will be reset to zero on 7 December 2013.

  In order to provide a smooth and quick customer service, the initial expiry date of the points earned by holders of debit cards are distinguished based on the card type. As a result, some clients are able to earn points for longer than 2 years during their first collection period. After that, their validity periods will continue as regular two-year periods (for example, points on Senior Cards will expire on 7 April 2016; 7 April 2018 etc.).

  Different lengths of the first validity period for clients who only hold a debit card:

  • Visa Electron 07.12.2013
  • Maestro 07.03.2014
  • Private Banking Card 07.03.2014
  • Senior Card 07.04.2015
  • School Card 07.05.2014
  • Youth Card 07.05.2014
  • Student Card 07.05.2014

  If a client has more than one active debit card at the time of 1 October 2011, the first validity period will be determined based on the card type with the longest collection period. For example, if a client has a Visa Electron debit card and a Student Card, their first expiry date will be 7 May 2014 based on the Student Card.

• Why do I need to allow Swedbank to send me messages and offers and why does it require two sets of contact data?

  We use the reward programme to send you various information regarding the delivery of your chosen gifts and the validity period of your points. The speed of delivery, contents and size of data can vary greatly and we have therefore decided that different communication channels should be used depending on the specific situation.

  In order for the reward programme to function smoothly, we need you to allow us to send you personal messages and offers, and one way of contacting you must be through e-mail. We recommend entering your phone number as a second means of contacting you.

  Two sets of contact information are therefore necessary in order to contact you regarding the gifts you have ordered and to send you information in the most efficient way. The other contact data is also useful in case one of them is not working.

  Make sure that you submit the correct address or phone number when entering your contact details. You cannot order gifts if you have not provided your contact details.

  In the event that you do not have an e-mail address and cannot create one, we can make an exception and grant you the opportunity to submit your gift order via a bank message. Please enter the following data in the bank message: name of the gift; value of the gift in points; place of collection (in case the information is displayed when ordering your gift); address for a magazine to be sent if you are ordering a magazine.

• How can I order gifts?

  • To order gifts, log in to the internet bank and go to the gift catalogue of the reward programme page at www.swedbank.ee/preemiapunktid.
  • Once you have chosen a suitable gift, click on the “Order” button.
  • Select the location you wish to collect the gift from (if this option is displayed by the gift) and click on the “Confirm” button.
  • A notification will then appear on the front page of the reward programme reading: “Your order has been placed. Thank you!”
  • The list of gifts is valid for a specified term. Swedbank has the right to change the selection of gifts (incl. the value of a gift in points) during the reward programme period on the basis of suggestions from clients and offers from the partners of Swedbank.
  • Every time you order a gift, its value in points is deducted from the amount of points on your reward account, regardless of whether you actually collect the gift.

• What kind of connections should I have with a company to order a gift?

  The private person must be a member of the management board of the company or A-authorised signatory to order business client gifts.

• How will I know when I can go and pick up my gift?

  • Once you have chosen a suitable gift from the reward programme page, you will receive a bank notification within 20 days reminding you of what you have ordered and where you can collect it from.
  • You can pick up your gift as soon as you have received the bank notification. Specific details regarding the time period during which the message of when to collect the gift/use a discount is sent are displayed by each gift.
  • Gifts must be collected within 1 month of the bank notification reaching the internet bank.
  • As an exception, bank notifications are not sent for the order of magazines and newspapers.

• Why do I sometimes have to wait 20 days after placing an order before you send me information on how to collect the gift?

  This time is needed in order to deliver the gift to the agreed upon location. We must ensure that the gift is waiting for you when you come to collect it. It may take up to 20 days for you to receive the message but it does not usually take that long.

• I ordered a gift. Is it possible to collect it earlier?

  The time period during which you will receive the notification to collect the gift is brought out in the details of the gift. Unfortunately, there is no way to speed things up because the stated time is required for the gift to be delivered to your chosen location of collection.

• I ordered a gift, but I can’t collect it by the deadline. Is it possible to extend this deadline?

  Ordered gifts must be collected within one month of the date the bank notification was received (unless otherwise stated in the bank notification). If you are unsure whether you are able to collect the gift yourself, add authorisation for someone to collect it on your behalf when you place the order. Even in the event that you have authorised someone else to collect your gift, you can always go and collect it yourself. You will be asked for ID before you are given the gift. If you are unable to collect the gift in time, your order will be annulled and the points you used to order the gift will not be reinstated.

• What happens if I fail to collect the gift at the right time?

  If you are unable to collect your gift in time, your order will be annulled after the expiry of the redemption period and the points you used to order the gift will not be reinstated. That´s why we advise you to add authorisation for someone to collect the gift on your behalf at the right time when placing the order. Even in the event that you have authorised someone else to collect your gift, you can always go and collect it yourself.

• I ordered a magazine/newspaper subscription. When will it take effect?

  • The first issue of the magazine will be delivered to you two months after you place your order.
  • The first copy of the newspaper will be delivered to you two weeks after you place your order.

• Can someone pick up my gift instead of me?

  • Gifts ordered via the reward programme are only handed to the card holder in person or to an individual authorised by the person who has ordered the gift.
  • Authorisation can only be granted on the internet bank and at the time of ordering the gift.
  • The authorisation process requires the client to submit the name and date of birth of the person to be authorised.
  • When going to collect the gift, the authorised person must provide their identification document and inform our partner that they have come to collect a gift ordered by someone else (state the forename and surname of the orderer).
  • Regardless of the fact that someone else has been authorised to collect the gift, the person who actually placed the order can always collect the gift themselves by providing an identification document.
  • A child under the age of 7 cannot be authorised to collect a gift. In case of a child older than 7 years, it is enough for the child to present their identification document to collect the gift. In case of a child aged up to 18 years, the gift can also be collected from our partner by a parent by presenting their identification document and the birth certificate of the child.

• I ordered the wrong thing by mistake. What should I do?

  You must contact the bank within 14 days of placing the order to cancel your order.

• What I ordered is broken/not working. Who do I talk to about it?

  Contact the store or service facility that you collected the gift from. Remember to mention that you ordered it as part of Swedbank´s rewards program.

• Why is it possible to make just one order per month?

  We seek to disperse the orders so that all members of the rewards program could order their gifts with equal comfort both during the quieter periods and for example during Christmas. The dispersion is also important to make the delivery of gifts as smooth as possible.

• Why doesn’t the selection contain gifts that I can collect somewhere near my home?

  We’re constantly looking for new partners and do our best to offer a selection of gifts in all regions of Estonia. The selection includes many gifts that don’t have to be collected, such as banking services, discount vouchers for online stores, magazines and newspapers, and so on.

• Can I order a gift using expired points?

  Once the points have expired, they can no longer be used. We advise you to use the points in soon and no later than one day before the expiry date of the points. Earlier points are annulled on their expiry date and the new points earned for the transactions performed in the previous month are then added to your account and the new collection period will begin.

• Why can’t I donate my remaining points to charity?

  The rewards program allows customers to make donations by selecting the predefined offers. This is necessary in order to guarantee the correct and smooth administration of the program. If your remaining points are not enough to make a donation, wait for a while before making your favour and use the offer, when you have collected enough points. If you wish to help the ones in need right away you are always welcome to do so via our donation environment „I love helping” where monetary donations can be made. The rewards program allows you to make donations of predefined points and you can use this possibility once a month.

• Why can’t I donate reward points to a specific organisation?

  We have changed the structure of the reward programme so that you can now donate points to a broader field of organizations, since we want to draw attention to the field as a whole. As the number of organizations included in the donation environment (www.armastanaidata.ee) is constantly growing, it was necessary to group them in different fields in order to give them all an equal opportunity to stand out. However, if you wish to support one specific organization, you can do so by making a one-off transfer or setting up a regular donation through our renewed donation environment (www.armastanaidata.ee).

• I used my reward points to make a donation. When will the organisations in the field I selected receive the amount I donated?

  Swedbank transfers the amounts donated to charities via the reward programme twice a year.