Debit card

New contactless bank cards!

Contactless card enables you to make quickly and conveniently purchases to a value of up to €10 without having to slot your card into the payment terminal or enter your PIN. Beep and it’s paid!

Choose a debit card

Debit Card Plus

Debit Card Plus

  • Allow you to make payments online
  • Can be linked to secure online shopping programme
  • Use contactless payment

Apply for card

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Debit Card

Debit Card

  • The most basic card that has all the usual features of a debit card
  • Withdraw cash in Estonia and abroad

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Senior Card

Senior Card

  • For clients aged 65 or older
  • Discounts all over Estonia
  • Special offers under the Rewards Programme

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Youth Card

Youth Card

  • For clients aged 13-25
  • Discounts all over Estonia
  • Special offers under the Rewards Programme

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ISIC MasterCard<br/> Student Card

ISIC MasterCard
Student Card

  • Serves as proof of student status anywhere in the world
  • Allows you to make payments online
  • ISIC discounts in Estonia and abroad
  • Can be linked to the secure online shopping programme
  • Can be used as a public transport card in Tallinn and Harju County
  • Use contactless payment

Apply for card

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Order your bankcard conveniently and safely home by mail.
Now you can have the PIN for your new bank card sent to you in the Internet bank. The PIN is displayed when you activate your card.
Please note: You cannot have the PIN for an additional card sent to you in the Internet bank.

Convenient – things get done without visiting a bank branch

  • It is possible to receive both new as well as automatically renewed debit and credit cards by mail. You can order a new card conveniently via the Internet bank.
  • If your bank card is about to expire and you want to receive the new card by mail, login to the Internet bank and search the expiring cards link from the start page. By clicking the link you will be displayed all the bank cards that are about to expire soon. By clicking on the card name you can change the delivery method of the expiring bank card. The delivery method of your debit card and the postal address for the delivery can be changed 60 days and those of a credit card 50 days before the expiry of the old card.

Upon choosing “by post” as the delivery method, make sure that the address specified in your contact details is correct, as otherwise you might not receive the card. The bank card will be sent to your contact address as a non-registered letter and it is free of charge for you within Estonia. If you wish your card to be delivered to a foreign country, send us the respective information with a bank message. A fee is charged for sending a card abroad.

Secure – a bank card can be used only after activation

After receiving the card you must activate it in the Internet bank, otherwise you cannot use it. By sending only unactivated cards by mail, we make sure that your personal data as well as the money on your account are not jeopardised in the event the delivery gets lost or falls into wrong hands.

The renewed card and replacement card will initially have the same PIN as the last card, for a new card we will send the PIN separately. After you have activated your card in the Internet bank it is recommended to change the PIN at an ATM.

If you have any questions, call Swedbank Consultation Centre on 6 310 310, send us a bank message in the Internet bank or write an e-mail to info@swedbank.ee.

Fast – it is possible receive the card within five business days

Did you know that if you order a new bank card to be sent to you by post and the accompanying PIN code to be displayed in the Internet bank you will receive the card within five business days? PIN codes in the Internet bank are displayed when you activate your card. At the moment it is not possible to order PIN of a new credit card to be displayed in the Internet bank.

  • Which bank cards are sent by mail?

    We can send all credit and debit cards by post.

    NB! To customers under 18-years old are Youth Cards issued only in branches.

  • Where and how is it possible to change the delivery method of the expiring bank card?

    You are able to choose whether you wish to receive your new bank card from a Swedbank branch or by post; you can do this in the Internet bank under the card agreement or at your nearest Swedbank branch. Any changes can be made prior to 60 days before expiry of the card.

  • Which post address will the card be sent to?

    If you have chosen delivery by post, you must also confirm the delivery address. If you change the address to which the card will be sent, the address which you submitted in your contact details will also automatically change. We only send the cards by post within the Republic of Estonia.

  • How will the card be sent by mail?

    We can send cards abroad by DHL courier. The expenses of this service must be paid by the client. For more detailed information, call the Swedbank Consultation Centre on 6 310 310, send us a bank message in the Internet bank or send an e-mail to price list. In some instances, it is possible to authorise a third party via bank message in order for them to be able to receive the card in a Swedbank branch and then pass on the card via unregistered post.

  • How can I order the renewed card abroad?

    We can send cards abroad by DHL courier. The expenses of this service must be paid by the client. For more detailed information, call the Swedbank Consultation Centre on 6 310 310, send us a bank message in the Internet bank or send an e-mail to info@swedbank.ee. In some instances, it is possible to authorise a third party via bank message in order for them to be able to receive the card in a Swedbank branch and then pass on the card via unregistered post.

  • When will I receive the card sent by mail? What should I do if I have not received the card?

    • If you order a new bank card to your address by post and choose to have your PIN displayed in the Internet bank, you will receive your new card within 5 working days as of placing the order. PIN codes in the Internet bank are displayed when you activate your card. If you order both the card and the PIN to your address by post, the new card and the PIN will be sent to you via separate shipments within 5-10 working days as of placing the order.
    • If you already have a card but it is due to expire soon, we will send the renewed debit or credit card to your contact address two weeks before the expiry of validity of the old card at the latest. For example, if the month of expiry has been set out as 02/18 on the old card, the renewed card must arrive by post by 15.02.2018 at the latest.

    If a card ordered by post has not arrived by 2 weeks before the expiry of the old card or 10 days after ordering a new card bank message.

  • If several cards need to be activated at the same time, must each card be activated separately?

    Yes, each card must be activated separately.

  • What should I do if the card cannot be activated in the Internet bank?

    Check whether you have filled in all the required fields. Try again later. If you are still unable to activate the card, call Swedbank Consultation Centre on 6 310 310.

  • What is the security code necessary for activating the card and where can I find it?

    The security code of MasterCard (Card Validation Code, CVC) and Visa card (Card Verification Value, CVV) are the last three digits on the reverse of your card in the signature box. The security code of an American Express card is the last four digits on the front of the card.

  • What should I do with my old (expired) bank card?

    Destroy your card by cutting it into small pieces. Make sure you cut through the magnetic strip, the chip and both the card holder’s name and the card number. This will ensure that all of the information on the card becomes illegible.

If you lost bank card

You must close your bank card immediately if you lose it. You can do this in the mobile bank or by calling Client Helpline at 6 310 310

If the card is lost or stolen in abroad and you are not able to contact with us, you can block your card in the mobile bank or by calling:

  • MasterCard helpline in abroad +1 636 722 7111 or In-Country Telephone Numbers (free of charge).
  • Visa card helpline in abroad +1 410 581 3836 or Country toll-free numbers (free of charge).

Disputing a transaction, see ‘Frequently Asked Questions

You can call the helpline at any time

Notify the bank even if you are not sure whether you really have lost your bank card.

 

PIN code

When you get your bank card, you will also receive a PIN that is known only to you. Do not tell or show it to anyone.

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.

PIN is your electronic signature

  • Memorise the PIN and destroy the PIN envelope that was given to you.
  • 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.
  • Change your PIN every once in a while. If the bank has notified you of the need to change your PIN, change it immediately. You can do it in Swedbank ATMs..
  • 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.
  • Try to enter your PIN so that no one else can see it.
 

Put daily limits

  • Set user limits on your card. You can set separate limits for purchase, cash and payment transactions. You can increase your limits temporarily if necessary.
  • For example, if you only use your card to pay for purchases, you can disallow all other transactions with the card. All card transactions (purchases, cash withdrawals, ATM payments, account balance requests, account statement requests) can be separately allowed or disallowed. This reduces your risks if the card is lost or stolen.
  • You can set and change the user rights and limits of your card in the mobile bank, Internet bank or telephone bank and at any branch of Swedbank.

Use your card with care

  • 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. If you lose your card, immediately block it in the mobile bank or call the Consultation Centreand ask them to close it.
  • When you use your card for payment, make sure that the card transaction is processed in your presence. Do now allow the person serving you to take the card into a back room. Never send your card number by fax or post or give it on the telephone when making a purchase.
  • Make sure you only use secure websites when buying goods or services on the Internet. Before entering you card number, find out if any of your friends has ordered anything from the website and whether there were any problems.
  • 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.
 
1. PRIVATE PERSON Effective as of 01.06.2016
1.1 Issuing the first debit card associated with an account (1) free of charge
1.2 Issuing an additional debit card associated with an account (1) according to price list
1.3 Renewal of a card (1) free of charge
1.4 Visa Electron debit card, Maestro debit card (2)
- issuing a card 2,50 €
- monthly fee of a card (3) 0,96 €
1.5 Debit card Plus
- issuing a card 2,50 €
- monthly fee of a card 1,28 €
1.6 A temporary ATM card (valid for 1 month)
- issuing a card 2,50 €
1.7 Student card (4)
- monthly fee of a card 0,96 €
1.8 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 €
1.9 Youth card
- issuing a card 2,50 €
- monthly fee of a card for up to 19-year-olds free of charge
- monthly fee of a card for people aged 20-25 (5) 0,32 €
1.10 School card(6)
- monthly fee of a card free of charge
1.11 Senior card
- issuing a card 2,50 €
- monthly fee of a card 0,32 €
1.12 MasterCard Private Banking Card
- issuing a card 2,50 €
- monthly fee of a card 1,98 €
GENERAL SERVICE AND TRANSACTION FEES
1. Cash deposit in euros in home bank's terminal (7) - up to 5000 € per calendar month free of charge;
- 0,25% of the deposited amount that exceeds 5000 € per month
2. Cash withdrawal
2.1 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 €
2.2 from other bank’s terminals in Estonia and abroad 1 € + 2.5% of the amount
2.3 with debit cards issued by Swedbank from Swedbank Group ATMs in Latvia, Lithuania, Sweden (8)
- up to 2000 € per calendar month free of charge
- over 2000 € per calendar month 0.3% of the amount that exceeds 2000 €
3. Balance inquiry and statement in Swedbank’s terminals in Estonia free of charge
4. Balance inquiry in other bank’s terminals in Estonia and abroad (9) 0,32€/query
5. Making payments in ATMs and payment terminals
- an intra-bank payment 0,16 € (free for clients aged 65 and more) (10)
- domestic payment 0,38 €
6. Payment in a commercial enterprise free of charge
7. Closure of a card free of charge
8. A copy of the receipt of a card transaction (inquiry)
- a transaction in Estonia 4 €
- a transaction abroad 8 €
9. 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)
10. Sending a card from one branch to another (11) 2,50 €
11. Sending a card by mail
- mail (Estonia) free of charge
12. Conversion fee for transactions in foreign currencies (12) 1% of transaction amount
13. Penalty for using a closed card 65 €
4 Using Visa or MasterCard assistance service abroad 0 to 130 €, depending on actual costs
15. Penalty 0.2% a day
2. LEGAL PERSONS Effective as of 01.09.2016
2.1 Issuing the first debit card associated with an account (13) free of charge
2.2 Issuing an additional card associated with an account (13) according to price list
2.3 Renewal of a card free of charge
2.4 Visa Business Debit (14) 2,50 €
- issuing a card 10 €
- replacement of a card 10 €
- monthly fee of a card 3,20 €
2.5 A temporary ATM card (valid for 1 month)
- issuing a card 2,50 €
2.6 MasterCard Business Debit
- issuing a card 2,50 €
- monthly fee of a card 1,50 €
- monthly fee of a card with the possibility of making cash deposits 0,50 €
2.7 Visa Business Electron (15)
- monthly fee of a card 1,50 €
- monthly fee of a card with the possibility of making cash deposits 0,50 €
GENERAL SERVICE AND TRANSACTION FEES
1. Cash deposit in euros in home bank's terminal (7)
- up to 5000 € per calendar month free of charge
- exceeds 5000 € per month - 0,25% of the deposited amount
2. Cash withdrawal (13)
- from terminals of your home bank 0,19 € + 0.3% of the amount
- from other bank’s terminals in Estonia and abroad 1,92 € + 2,5% of the amount
- with debit cards issued by Swedbank from Swedbank Group ATMs in Latvia, Lithuania, Sweden (8) 0,19 € 0.3% of the amount
3. Cash withdrawal with Visa Business Debit (14)
- from terminals of your home bank 1,92 € + 1% of the amount
- from other bank’s terminals in Estonia and abroad 1,92 € + 2,5% of the amount
- with debit cards issued by Swedbank from Swedbank Group ATMs in Latvia, Lithuania, Sweden (8) 1,92 € + 1% of the amount
4. Balance inquiry and statement in Swedbank’s terminals in Estonia free of charge
5. Balance inquiry in other bank’s terminals in Estonia and abroad (9) 0,32€/query
6. Making payments in ATMs and payment terminals
- an intra-bank payment 0,16 €
- domestic payment 0,38 €
7. Payment in a commercial enterprise free of charge
8. Closure of a card free of charge
9. A copy of the receipt of a card transaction (inquiry)
- a transaction in Estonia 4 €
- a transaction abroad 8 €
10. 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)
11. Sending a card from one branch to another (11) 2,50 €
12. Sending a card by mail  
- mail (Estonia) free of charge
13. Conversion fee for transactions in foreign currencies (12) 1% of transaction amount
14. Penalty 0.2% a day

(1) Except ISIC MasterCard Student card
(2) Visa Electron card is not issued from 1st of June 2015.
(3) The debit card fee is not applicable to the customers who as of 01.08.2011 were at least 60 years old.
(4) Student cards were issued up to 21.08.2013.
(5) From the age of 26 applies the Visa Electron or Maestro debit card monthly fee.
(6) School card is not isused from 1 st of July 2015.
(7) 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.
(8) ATM in Sweden is Bankomat.
(9) 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.
(10) This also applies to clients who were at least 60 years old on 1 September 2015 and held a current account.
(11) The price is inclusive of VAT at the rate of 20%.
(12) 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.
(13) Except Visa Business Debit
(14) Visa Business Debit card is issued to the non-resident legal persons registered outside the EU Member States and Norway ( including non-resident legal persons registered in Cyprus, Luxembourg, Malta and the United Kingdom).
(15) Visa Business Electron card is not issued from 4 th of May 2015.

  • Card payments in shops

    You can pay by card in the shops and service companies where the logo shown on your bank card is displayed in a visible place (usually on the door or by the tills). Ask a sales assistant if in doubt.

    If you pay for your purchases by card, the relevant amount will be booked on your account and debited within one to ten days.

    Confirm the transaction by entering your PIN or by signing the receipt given to you by the sales assistant. Make sure that the transaction amount is correct before signing or entering your PIN. New contactless cards allow you to make purchases to a value of up to €10 without having to slot your card into the payment terminal or enter your PIN. You only need to tap it against the terminal.

    The bank debits the amount from your account in euros if you pay by card when abroad. You don't have to pay any service charges if you pay by card.

  • Payments in payment terminals

    You can make all domestic euro payments and save defined payments with your debit card in payment terminals. You can also use your debit card to view your account statement, account balance and recent statements in bank terminals.

    The transaction limit in payment terminals is the same as the payment limit of your bank card and you can change the limit in the mobile bank or Internet bank if necessary. This means you can use the payment terminal for payments you cannot make in the Internet bank because of the transaction limit. If you need to make a one-off large payment and cannot make it in the Internet bank because of the transaction limit, increase the limit of your bank card in the mobile bank or Internet bank and make the payment in a payment terminal. Making payments in a payment terminal is particularly easy and quick if you save the details of the payment under defined payments in the Internet bank.

  • Cash withdrawal

    Cash withdrawals from Swedbank's ATMs are free if the amount does not exceed 2,000 euros per month. You can also withdraw cash for free from Swedbank's ATMs in Latvia, Lithuania and Sweden if the amount does not exceed 2,000 euros per month.

    Withdrawing cash from the ATMs of other Estonian banks costs 1 euro + 2.5% of the amount.

    Withdrawing cash abroad costs 1 euro + 2.5% of the amount.

  • Cash deposits

    You can use a bank card to deposit cash in your account via a cash deposit terminal. Depositing in your account with a bank card is free of charge*. The terminal counts the deposited banknotes, verifies that the banknotes are authentic and transfers to the client's account immediately after you have confirmed the amount. Newer cash deposit terminals accept up to 200 banknotes at a time while older versions accept up to 30.

    *up to 5000 € per calendar month free of charge;
    0,25% of the deposited amount that exceeds 5000 € per month

    Please note: Cash deposit terminals only accept euros.

  • Using debit cards abroad

    Swedbank issues the debit cards of international card organisation MasterCard, which are accepted means of payment worldwide. Please check whether or not you can withdraw cash with your debit card at your destination before you go travelling. The general rule is that if there are ATMs at your destination that accept MasterCard bank cards, then you can also use your card to pay for your purchases in shops. Conversion fee will apply to transaction which are smade in foreign currency.

    MasterCard
  • Security

    What should I do if I leave my card in a bank terminal?

    • If the card was confiscated by an ATM or payment terminal at a Swedbank branch, you will get your card back when you go to the branch on the same day and present an ID document.
    • The card will not be returned in any other case. The card will be closed and you must request a new one.

    What should I do when my card is lost or stolen?

    • Call Swedbank immediately on +372 6 310 310 or block your card in the mobile bank if you lose your card or it is stolen. The card is closed and nobody else can use it.
    • If you lose your card or it is stolen when you are abroad and you cannot contact Swedbank, block your card in the mobile bank or call the following numbers to have your card blocked:
      Visa Helpline +1 410 581 3836; or
      MasterCard Helpline +1 636 722 7111.

    What options can I define for my card?

    You can select the options you need when you request a card.

    • Cash, purchases and payments: you can withdraw cash, pay for your purchases by card and make transfers in bank terminals.
    • Account statement and account balance: you can view your account information.
  • PIN

    How and from where can I find out the PIN of my new card?

    • If you order a new bank card to your home via post, you will be able to order your PIN to be accessible in the Internet bank or to be received at the contact address at which you ordered the card. If you have chosen a Swedbank branch as the location for receiving the card, your PIN will be issued to you in the respective branch. A new PIN will not be issued for an automatically renewed card.

    How can I view the PIN in the Internet bank?

    • PIN codes in the Internet bank are displayed when you activate your card.
    • Be sure to memorise your PIN as it cannot be viewed again after you have activated the card.

    Can I change the PIN of my card?

    • Yes, you may change your PIN at any time at all Swedbank ATMs.

    What should I do when I forget my PIN?

    • If you forget the PIN of your card, you have to request a new card that comes with a new PIN.

    What happens if I enter the wrong PIN?

    • If you enter the PIN in a bank terminal incorrectly three times, the card will be locked and can no longer be used. You have to request a new card.
    • If you enter your PIN incorrectly three times when paying for a purchase, the card will be blocked and can no longer be used. However, if you do remember your PIN in the end, you can reopen the card in a Swedbank ATM. Insert the card in the ATM and enter the correct PIN.
  • Limits

    Why do I have to set a limit for my card?

    • When you sign the bankcard contract, you have to set a daily, weekly or monthly limit for the card payments or transfers in bank terminals that can be made in the respective periods and how much cash may be withdrawn with the card in a day, week or month.
    • You can change the limits whenever necessary and the easiest way to do so is in the mobile bank or in the Internet bank.

    What limits can I set for my card?

    • You can set one limit for cash withdrawals, card payments and bank terminal transfers at a time: the daily, weekly or monthly limit. These are the amounts that cannot be exceeded with transactions performed in the relevant period.

    Can I change a card limit myself?

    • Yes, you can do it in the mobile bank, in the Internet bank or at any branch of the bank.
  • Using Your Card Abroad

    Can I use my bank card for payment abroad?

    • You can generally use your bank card abroad in the same manner as in Estonia: you can pay for purchases and withdraw cash from ATMs. Check whether or not you can use your bank card at your destination before you go travelling.
    • Your account does not have to contain the currency of the country you are visiting. You can perform transactions with the euros in your account.
    • Paying by card in foreign currencies, conversion fee will apply.
    • Card payments made abroad are not subject to service charge.
    • Cash withdrawals are subject to service charge.

    How much does the bank charge for cash withdrawals made abroad?

    • The service charge for a cash withdrawal abroad is found in the valid price list.
    • You can withdraw the local currency from ATMs and it will be converted from the euros in your account according to the card organisation's exchange rate.
    • Cash withdrawals with debit card from Swedbank's ATMs in Latvia, Lithuania and Sweden are not subject to service charge, if the amount does not exceed 2,000 euros per month.

    What should I keep in mind when I make card payments abroad?

    • Check whether or not your bank card can be used at your destination before you go travelling.
    • The general rule is that if there are ATMs at your destination that accept Visa and MasterCard bank cards, then you will also be able to use your card to pay for purchases in shops.

    How does the bank maintain my card and what does the monthly maintenance fee mean?

    • The bank constantly develops and perfects its IT systems to ensure that using bank cards is safe for clients.
    • The monthly maintenance fee of cards is used for the developments made in the bank that guarantee the security of card payments.
    • The bank is also constantly trying to make the use of cards easier by providing clients with unlimited options of using their money. For example, the bank installs card terminals in shops and service companies. Most of these places now accept card payments with the help of these terminals.
  • Disputing card transactions

    What you should know when disputing a card transaction

    • If you come across a transaction or series of transactions that has been performed with your bank card but which you have not made and the merchant or service provider is unfamiliar to you, you should have your card closed immediately.
    • If you make an online purchase but the goods or service you receive are inadequate or do not meet the stated conditions (or you do not receive the goods or service at all), we recommend that you first contact the merchant in writing. Make sure you keep all of the correspondence with the merchant.
    • If you have provided or registered your card details (e.g. on a gaming or dating site or for the use of an antivirus programme) and no longer wish to use the service, you must terminate the service yourself. If you fail to do so, any amounts deducted from your card cannot be disputed.
    • In the case of hotels an amount charged may be a penalty for a no show (if the booking was not cancelled as required) or for other services e.g. use of a minibar. In such a case you should check if you recognise the name of the service provider i.e. if you have had any business with the hotel in question.
    • If the name of a car rental company is familiar to you, an amount charged may be for a traffic penalty, damage to a vehicle or outstanding fuel costs.

    You can dispute card transactions (by calling 6 310 310 at any time or by visiting your nearest branch) in the following cases:

    • You come across a transaction or series of transactions that has been performed with your bank card but which neither you nor anyone you trust (including your family) has made and the merchant or service provider is unfamiliar to you. Please note: close your card immediately and report the incident to the police;
    • You have encountered problems with an online purchase – the goods you ordered have not arrived, you have not been reimbursed for goods you have returned, you have received no reply to your queries etc. – and no agreement has been reached with the merchant. To dispute such a transaction, provide the bank with all of the details related to it: any and all correspondence, a reference number issued when cancelling a hotel booking etc.;
    • an ATM failed to issue cash, but the amount requested was debited from your account;
    • an ATM accepted money you deposited but the amount in question was not added to your account or the amount added was smaller than the amount you deposited;
    • an amount has been debited twice for the same transaction; or
    • an in-store card payment failed but the amount has been reserved or was debited from your account.

    Dispute form of a card transaction.

Contactless payments - an even quicker way of paying by card

Swedbank’s new contactless cards allow you to make purchases to a value of up to €10 without having to slot your card into the payment terminal or enter your PIN. You only need to tap it against the terminal. This way your everyday purchases will be even quicker and more convenient, while being just as safe as before.

  • More opportunities for the same monthly fee - The new contactless feature won’t lead to any rise in the monthly fee for bank cards.
  • Safe - To make a payment you need to place your card very close to the terminal, and two similar payments can’t be made within a short period of time in a row. Random checks mean that from time to time some small purchases will need to be confirmed using your PIN. Please do not allow the person who serves you to take the card from you.
  • Flexible - Should you wish to, you can easily switch the contactless feature off or on again in the Internet Bank or Mobile Bank. To confirm this, the next time you use your card at an ATM or payment terminal you’ll have to enter your PIN.
  • International - Contactless payments can be made in Estonia and abroad. Since the amount you can spend in a single contactless payment can vary from country to country, we recommend that you check out the terms and conditions of such payments in the country you’re going to before you leave.
  • Usage locations - Since new places that accept contactless payments are being added to the list all the time, it may be the case that some of the places on the list do not yet accept the payments. The list only includes payment terminals administered by Swedbank and there are more such points on the market today. Look out for the contactless payment symbol.
You can pay with contactless cards in

If making the contactless payment fails, insert the card in the terminal and enter the PIN.

If your bank card is lost or stolen, block it immediately in the mobile bank or call our Consultation Centre on 6 310 310.