Business Debit Card

• Suitable for all types of business purchases, including over the internet and enable your employees to use the funds in the company's account.
• It is important for shopping at online retail outlets to be convenient and secure. In order to pay with the card online you must activate Secure Internet Shopping.
• Online payments will be activated automatically in the case of renewed and replaced cards that are sent via post if this function was activated for the previous card.

Activate Secure Internet Shopping

• New! Any cardholder who has access via a company’s Internet Bank to card related account, can check their own card’s PIN code, card number, expiry date and Security Code/CVC2 in the Swedbank app.
• Order the card to your company's contact address.
• Pay for your purchases easily with contactless payments! Add Business Debit card to Apple Pay, Google Pay™, Garmin Pay or Fitbit Pay solution, or use Swedbank app to tap your Android phone.
• Now in our mobile app you can see a list of places where your digitized card is linked to. Watch the tutorial.
• Contactless payments with card up to EUR 50 without PIN entry.

• Several debit cards can be ordered to the same current account.
• You may use the Internet or Mobile Bank to assign every user separate limits for purchases and cash transactions.
• By adjusting the user rights settings, you can allow or disable various card transactions like payments, withdrawals, deposits, ATM payments, contactless functionality and account statement or balance requests.
• User rights and limits can be changed by the legal representative of the company who, according to the commercial register, is authorised to represent the company alone, by using Smart-ID, Mobile-ID, ID-card or digital ID.

The easiest way to order and sign an agreement is via Internet Bank

The debit card can be delivered by post to the company’s contact address with-in country.

A debit card agreement can be signed in the Internet Bank:

• by the company’s legal representative who has the sole right of representation according to the commercial register;
• with Smart ID, Mobile ID, ID card or Digi ID.

If the person who orders the card is not authorised to sign the agreement or doesn’t have proper authentication tools, it will be sent to the Internet Bank for approval by a person who has the respective authorisation in the company. The card agreement must be signed within 7 business days, otherwise it will be irrevocably cancelled.

Delivery within 5-10 days

• The card will be made and sent via post to the company’s contact address provided to the bank. For security reasons, we send only inactive cards by post. After receiving your bank card, you must activate it via the Internet Bank.
• If card delivered to chosen Swedbank branch and agreement is already signed, then the card could picked-up by signing person as well card holder.

Order the card

• Card will be automatically renewed if such order was given by client and renewing is in accordance to card agreement conditions. You can change renewing status as well as the delivery method and address for a card via the Internet Bank not later than 60 days before the expiry date of existing card.
• Renewed debit card will be delivered at least two weeks before the expiry of the old card to your company's contact address or a suitable Swedbank branch.
• Renewed cards will have their former PIN.
• The renewed card delivered by post can be activated by a card holder:
• at an ATM – by inserting the card, entering a PIN code and making a usual operation (e. g. checking account balance);
• in a physical store – by inserting the card into the reader and entering a PIN when paying for purchases.
The card can also be activated in the Internet Bank after the company's legal representative signs the card agreement.

• If you receive card via post, then it must be activated:
  

  via the Internet Bank

  • If the card agreement was not signed upon ordering or if the card is automatically renewed, it can only be activated together with agreement signing by the company’s legal representative who has the sole right of representation according to the commercial register using Smart ID, Mobile ID, ID card or Digi ID.
  • Once the agreement is signed when ordering a debit card, it can be activated in the Internet Bank by fully authorized users.

  at an ATM or in a physical store

  • Renewed debit card delivered by post can be activated without signing an agreement by a card holder at an ATM by inserting the card, entering a PIN code, and making a usual operation (e. g. checking account balance) or in a physical store by inserting the card into the reader and entering a PIN when paying for purchases.
• The card received in branch is activated by a branch employee before handing it over.
  • If card agreement is already signed, then the card could picked up by signing person as well card holder. If not – by person who, according to the bank’s data or commercial register is authorized to represent the company and sign the agreement.

Activate card

• If you suspect you have lost your card, you can temporarily disable it through our mobile app (Android only). You have 10 days to reopen your card if you should find it or it will be automatically closed.
• If a bank card is stolen, it must be closed immediately. You could do it by calling our business client consultation center on 6 132 222.
• If your card is lost or stolen abroad and you are unable to contact us, you can block the card by calling the 24-hour MasterCard card foreign helpline +1 636 722 7111 (charged) or a toll-free helpline in the country of location.

In case of a new debit card, the PIN is issued in a separate envelope when you receive the card by post or collect it at branch.

Renewed cards will have their former PIN.

If you can’t remember the PIN, you can check it in the Swedbank app. The PIN code can be viewed in app only by the cardholder who has access to the card related account via the company’s Internet Bank.

If you would like to secure PIN then you can change it in Swedbank ATMs in Estonia.

In security reasons it is allowed to insert PIN wrongly only 2 times. After 3rd time PIN will be automatically blocked.

• If you block your PIN in POS then you can unblock it in ATM by inserting the correct one in first time.
• If you block your PIN in ATM you need to order the new card.

You can dispute a card transaction sending the bank message, call to consultation center 6 132 222 or turn to nearest branch if:

• you discover that your account statement includes transactions for which you did not aware of or not reach an agreement with the merchant or service provider;
• an ATM fails to make a deposit or a withdrawal. For instance, in cases when an ATM does not issue cash upon withdrawal, but the sum is debited from the account or when a deposit is not added to your account.

• Only the cardholder - the person whose name appears on the card - may use the card. Do not let anyone, even a close person, to use the card issued in another person’s name.
• Make sure that you as a cardholder always know where your payment card is.
• If you pay by card, do not let the person serving you take it to a back room on their own because card data may be stolen.
• Always check the transaction amount that you approve with the card.
• Check card transactions regularly via Business Internet Banking or the Swedbank mobile app. If any transaction seems suspicious, please contact the bank immediately.
• It is not recommended to send card number by post or disclose it over the telephone when making a purchase because card data may be misused for fraudulent transactions but, if there are no other options, please be extra careful.
• Be careful when using the ATMs of other banks. Some ATMs return payment card before dispensing the money. Make sure that you collect your payment card and the requested amount of cash before you leave the ATM.

• In case of a new card, the PIN is issued in a separate envelope. Renewed card will keep its former PIN.
• Do not tell or show the PIN to anyone, not even to bank employees.
• Memorise it, do not write down the PIN on the card or anywhere else where it can be seen by others.
• NEW! Check your card’s PIN code in the Swedbank app. Its secure, easy and will help, if you forget your original PIN or cannot remember it after changing.
• Try to enter the PIN so that no one else can see it. The card can be stolen and be used by somebody else. If the card with PIN code is used by a thief, it is the customer’s own responsibility.
• If you suspect that the 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. It can be done at any Swedbank ATM. When selecting new PIN, do not re-use your old PIN.
• Do not use identical PIN codes for different cards.

• In security reasons it is allowed to insert PIN wrongly only 2 times. After 3rd time PIN will be automatically blocked:

  • If you block your PIN in POS then you can unblock it in ATM by inserting the correct one in first time.
  • If you block your PIN in ATM you need to order the new card.

• If a bank card is lost or stolen, it must be closed immediately. This can be done on the Business Internet Banking site, the mobile app or by calling our business client consultation centre on 6 132 222. For security reasons, we advise cardholders to keep Swedbank's phone number in their phone's memory.
• If your card is lost or stolen abroad and you are unable to contact us, you can block the card by calling the 24-hour MasterCard card foreign helpline +1 636 722 7111 (charged).