Company cards

Mastercard ensures smooth transactions all over the world

More opportunities for your business

NEW! No issuing fee and monthly fee for 3 months if you order a credit card by 30.11.

All of the cards can be used to make contactless payments and purchase goods and services online.
Contactless payments with Apple Pay, Google Pay, Android app, and smart watches.
Our wide network of ATMs offers convenient possibilities for cash related services.
NEW! Manage card expenses easily.
View card’s details and PIN code in the app.

	Business Debit Card Learn more	Business Credit Card Learn more	Business Gold Credit Card Learn more

	Everyday assistant for your company	Extra credit for company	Secure travel for your company

	Monthly fee € 2	Credit limit up to € 15 000	Credit limit up to € 32 000

	Issuing fee € 2,50	Up to 30 days interest-free period for purchases	Free travel insurance for you and 3 colleagues

	Receive free via mail	Monthly fee €3	Monthly fee€10

	Everyday assistant for your company	Extra credit for company	Secure travel for your company
Card organisation
Card organisation	Mastercard	Mastercard	Mastercard
Monthly fee
Monthly fee	€2	€3	€10
Issue fee
Issue fee	€2,50	€5	€10
Travel insurance
Travel insurance
Mastercard® Airport Security Fast Track
Mastercard® Airport Security Fast Track
Access to lounges in airports
Access to lounges in airports
Mastercard® Global Data Roaming by Flexiroam
Mastercard® Global Data Roaming by Flexiroam
Mastercard® Business Bonus
Mastercard® Business Bonus
Cards expense management
Cards expense management
Credit limit
Credit limit		up to €15 000	up to €32 000
Interest free period
Interest free period		up to 30 days	up to 40 days
Automated repayment
Automated repayment		1st day of the following month	10th day of the following month
Interest rate
Interest rate		18%	14%

	Business Debit Card Learn more	Business Credit Card Learn more	Business Gold Credit Card Learn more
	Everyday assistant for your company	Extra credit for company	Secure travel for your company
	Monthly fee € 2	Credit limit up to € 15 000	Credit limit up to € 32 000
	Issuing fee € 2,50	Up to 30 days interest-free period for purchases	Free travel insurance for you and 3 colleagues
	Receive free via mail	Monthly fee €3	Monthly fee€10
	Everyday assistant for your company	Extra credit for company	Secure travel for your company
Card organisation	Mastercard	Mastercard	Mastercard
Monthly fee	€2	€3	€10
Issue fee	€2,50	€5	€10
Travel insurance
Mastercard® Airport Security Fast Track
Access to lounges in airports
Mastercard® Global Data Roaming by Flexiroam
Mastercard® Business Bonus
Cards expense management
Credit limit		up to €15 000	up to €32 000
Interest free period		up to 30 days	up to 40 days
Automated repayment		1st day of the following month	10th day of the following month
Interest rate		18%	14%

Business Debit Card

Effective as of 01.11.2024

Business Debit Card
Issuing the first debit card associated with a client	free of charge
issuing subsequent debit cards	2.50 €
monthly fee	2 €
renewal	free of charge
A temporary ATM card (valid for 1 month)
opening	10 €
Ordering an express card You can order an express card by calling 6 132 222 or at our branch. The card can be delivered by courier to your company 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 €

Transactions with debit cards

Depositing euros using a debit card in Swedbank terminal in Estonia A limit of 15000 € per month on cash deposited in ATMs will be applied to debit cards. The fee is charged on the amount that exceeds 5000 € per calendar month and the cash is deposited in home bank’s terminal. The service fee is client-based and calculated based on a calendar month.	up to 5000 € per calendar month free of charge; 0.3% of the amount exceeding 5000 € per month
Cash withdrawal
from Swedbank ATMs (incl. Estonia, Latvia, Lithuania, Sweden) ATM in Sweden is Bankomat.	0.19 € + 0.3% of the amount
From other bank’s terminals in Estonia and abroad 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
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 € query
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 €
Sending a card from one branch to another one VAT will be added to the price.	2.05 €
Sending a card by mail	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.	1% of the transaction amount
Penalty	0.2% a day
Penalty for using a closed card	65 €
Retrieval of bank cards from other banks from Swedbank ATMs	30 €

Debit Card agreement terms and conditions

Business Credit Card

Effective as of 01.11.2024

Business Credit Card
issue fee	5 €
monthly fee	3 €
annual interest rate When paying by card there is an interest-free period of up to 30 days from the purchase until the payment date (the 1st calendar day of the following month).Upon withdrawing cash and making a payment 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.	18%
penalty	0.2% a day
Ordering an express card You can order an express card by calling 6 132 222 or at our branch. The card can be delivered by courier to your company 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 €
Business Gold Credit Card
issue fee	10 €
monthly fee	10 €
annual interest rate When paying by card there is an interest-free period of up to 40 days from the purchase until the payment date (the 10th calendar day of the following month).Upon withdrawing cash and making a payment 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.	14%
penalty	0.2% a day
Ordering an express card You can order an express card by calling 6 132 222 or at our branch. The card can be delivered by courier to your company 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 €

Transactions with credit cards

Depositing euros using a credit card in Swedbank terminal in Estonia A limit of 15 000 € per month on cash deposited in ATMs will be applied to credit cards. 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 and calculated based on a calendar month.	up to 5000 € per calendar month free of charge; 0.3% of the amount exceeding 5000 € per month
Cash withdrawal 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
Transfer from credit card limit account	according to regular bank transfers pricelist
Replacement of a card	7 €
Statement of transactions
in last month	free of charge
a previous month	4 € per month
Amendment of a credit card agreement
increasing of the credit limit at branch	10 €
amendment of the agreement usage rights in Internet Bank	free of charge
Penalty for using a closed card	65 €
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
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 €
Sending a card from one branch to another VAT will be added to the price.	2.05 €
Sending a card by mail	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.	1% of transaction amount
Retrieval of bank cards from other banks from Swedbank ATMs	30 €

Business Credit Card agreement terms and conditions

Business Gold Credit Card

Effective as of 01.11.2024

Business Credit Card
issue fee	5 €
monthly fee	3 €
annual interest rate When paying by card there is an interest-free period of up to 30 days from the purchase until the payment date (the 1st calendar day of the following month).Upon withdrawing cash and making a payment 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.	18%
penalty	0.2% a day
Ordering an express card You can order an express card by calling 6 132 222 or at our branch. The card can be delivered by courier to your company 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 €
Business Gold Credit Card
issue fee	10 €
monthly fee	10 €
annual interest rate When paying by card there is an interest-free period of up to 40 days from the purchase until the payment date (the 10th calendar day of the following month).Upon withdrawing cash and making a payment 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.	14%
penalty	0.2% a day
Ordering an express card You can order an express card by calling 6 132 222 or at our branch. The card can be delivered by courier to your company 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 €

Transactions with credit cards

Depositing euros using a credit card in Swedbank terminal in Estonia A limit of 15 000 € per month on cash deposited in ATMs will be applied to credit cards. 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 and calculated based on a calendar month.	up to 5000 € per calendar month free of charge; 0.3% of the amount exceeding 5000 € per month
Cash withdrawal 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
Transfer from credit card limit account	according to regular bank transfers pricelist
Replacement of a card	7 €
Statement of transactions
in last month	free of charge
a previous month	4 € per month
Amendment of a credit card agreement
increasing of the credit limit at branch	10 €
amendment of the agreement usage rights in Internet Bank	free of charge
Penalty for using a closed card	65 €
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
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 €
Sending a card from one branch to another VAT will be added to the price.	2.05 €
Sending a card by mail	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.	1% of transaction amount
Retrieval of bank cards from other banks from Swedbank ATMs	30 €

Business Credit Card agreement terms and conditions

CostPocket enables companies to streamline their expense reporting processes by enabling companies to collect, digitalize, sort, archive and send company and employee receipts to accounting software via CostPocket’s webpage or mobile application solution.

Partner special offer for Swedbank’s business customers. Free trial for 3 months from signing up if using promocode: Swedbank.

Start here

Benefits for corporate customers

Digitise card expense documents within seconds
CostPocket detects and sends receipt details to your accounting software
Debit and credit card reports are ready in minutes
Compliable with accounting software
Paperless accounting thanks to expense digitisation
Saving cost and manual work by digitising expense-related documents

CostPocket other services

Expense approval
Automatically detect missing expense documents
Business trip reports
Daily allowance
Mileage report
Receive e-invoices

How to start?

Open an account via CostPocket web or app
Add your company’s bank card(s)
Link to accounting software
Digitise receipts and invoices

For detailed information visit costpocket.com

Download:

Your company's financial security is one of Swedbank's top priorities. We encourage you to be responsible users of payment cards and to observe the security conditions for payment cards usage.

Use your card responsibly

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.

PIN code - your security guarantee

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 the card is stolen

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).

Two small business owners. A man holds a finished product, a woman a tablet.

Mastercard® Business Bonus

Valuable benefits and offers for your business.

from time-saving apps to dedicated business travel discounts.

Programm benefits:

Complete your business tasks more easily
Optimise processes and improve your operational management
Use booking and car hire discounts

Discover offers here

Joining the programme is free of charge, no need to register nor share any personal information. Just use your eligible Mastercard business card.

A cashless society supports a more sustainable future

Using cash not only brings environmental issues but also may support the shadow economy. By moving from cash to digital payments, we can protect our planet, remove the anonymity of transactions, and even more - save time spent managing money.

Tips to get you started

Pay digitally. It helps you track your expenses, set the limits for certain expense categories, and identify where you can manage your consumption habits.
Be aware of non-recyclable receipts. Paper receipts are made from non-recyclable thermal paper. When paying by card, ask for a paperless receipt which you can receive online by e-mail.
Contactless payments are clean and hygienic. By using contactless payments, you can reduce the physical contact between different people who are exchanging banknotes or touching the ATM.

Card payments are increasing every year

The total volume of card payments in the Baltics increased by 45% during the last 6 years. Paying by card is hygienic, quick and flexible - use contactless or chip and PIN transactions.

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Source: Swedbank

Cash payments environmental impact

Measure your cash payments’ CO₂ footprint and see how many trees are needed to absorb the emissions created per year.

How many cash payments do you make per week?

Cash payments

Yearly CO₂ footprint
0
Trees required to absorb CO₂
0

If you paid by card, you could save

CO₂ emissions (kg)
0
Trees
0

Source: Lindgreen, E.R., van Schendel, M., Jonker, N. et al. (2018); Hanegraaf, R., Larçin, A., Jonker, N. et al (2020)

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Company cards

Mastercard ensures smooth transactions all over the world