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Fixed payment credit card

Useful if you'll need money for bigger purchases or unforeseen expenses

  • Works likehire purchase: repayment used limit with fixed monthly payments.
  • 180 days purchase insurance applies for most goods purchased with credit card or by payment from credit card account.
Apply
It only takes 2 minutes to fill in the application. Access credit limit before card arrives. Manage your card easily in the mobile app.
  • Credit limit from 300 EUR
  • 180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
  • Repayment with fixed monthly payments.
  • Discounts.
  • You can also take out extra cards for your family members. Each additional cardholder enjoys the same privileges as you.

Terms and conditions of the agreement on the usage of the fixed payment credit card

  • Manage your credit card in Ibank and Swedbank app: block and unblock, manage limits and make repayments as you go.
  • You can transfer money, make payments and withdraw cash at the ATM directly from your credit card account.
  • Contactless payments - you'll be able to pay up to €50 only by tapping the card to the terminal. No PIN, no hassle, just quick and safe shopping.
  • Make your purchases easily with contactless payments - Apple Pay, Garmin Pay, Fitbit Pay and mobile contactless payments for Android smartphone users.
  • Activate internet shopping option.

When to pay back your used credit limit?

  • It works just like instalments: repayments for the used credit limit will be debited automatically in equal instalments each month from the account specified by you.
  • Interest starts to be calculated if you use the credit limit.
  • You can always repay used limit sooner in addition to monthly payments.

Log into the Internet bank and see if you have received a personal offer. If there is an offer, you can enter into an agreement without submitting an application.

If not, follow these easy steps:

  1. Apply for the credit card in the Internet bank.
  2. We will inform you about the decision by phone or via SMS.
  3. Read the conditions, accept them and sign the agreement.
  4. After signing the agreement you can immediately start using credit card limit.
  5. Your card will arrive within 5-7 working days.
  6. When you receive your card, log into the Internet bank and activate it there.

Income

  • Your income must be at least 490 EUR (for Visa Platinum 670 EUR) per month after tax.
  • You must be earning a steady income for at least 6 consecutive months and your probation period must be over.

Obligations

  • Monthly expenses for covering your credits must not exceed 40% of your monthly income.
  • You do not have outstanding credits in Swedbank or from other creditors or outstanding bills for different services.
  • Be ready to submit the official documents evidencing the receipt of the income if the expected source of repayment is not a salary/wages.

Debit cards

Effective as of 01.10.2020
Issuing the first debit card associated with a client Except ISIC MasterCard Student card. free of charge
Issuing subsequent debit cards Except ISIC MasterCard Student card. according to price list
Debit card Plus
Issuing a card 2,50 €
Monthly fee 1,28 €
monthly fee for up to 19-year old client (incl.) free of charge
monthly fee for 20–25-year old client (incl.) 0,32 €
monthly fee for 65-and older clients (incl.) 0,32 €
A temporary ATM card (valid for 1 month)
Issuing a card 2,50 €
ISIC Mastercard Student card
Issuing a card 6,33 €
Replacement a card 6,33 €
Monthly fee 0,32 €
Renewal a card 6,33 €
Youth card Youth card in not issued from 2nd of April 2019.
Monthly fee for up to 19-year old client (incl.) free of charge
Monthly fee for 20–25-year old client (incl.) 0,32 €
Senior card Senior card in not issued from 2nd of April 2019.
Monthly fee 0,32 €
Mastercard Private Banking Card
Issuing a card 2,50 €
Monthly fee 1,98 €
Renewal of debit cards free of charge
Penalty 0,2% a day

Credit cards

Effective as of 01.10.2020
Revolving credit card (Mastercard/Visa) Revolving credit cards from Visa are not issued from January 22nd, 2020.
Monthly fee 1,30 € (free of charge for people up to 25 years of age)
Monthly fee of an additional card 1,30 €
Annual interest rate 19-22%
Penalty ECB interest rate + 8% a year (currently 0,022% a day, 8,00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Fixed payment credit card (Mastercard)
Annual interest rate 19-22%
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Debt notice 3 €
Gold revolving credit card (Mastercard) When paying for goods or services with the private person’s Gold Revolving credit card, the bank shall not calculate interest as from making the transaction with the respective card until the 10th calendar day (incl.) of the following month, after the aforementioned period, the bank shall begin calculating interest. Upon making a payment and withdrawing cash 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.
Monthly fee 4,96 €
Monthly fee of an additional card 3,36 €
Annual interest rate 17-20%
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Debt notice 3 €
Platinum credit card (Visa) When paying for goods or services with the Platinum Credit Card, the transaction amount is subject to an up to 40-day interest-free period (between the date of purchase and the payment date). Upon making a payment and withdrawing cash 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.
Monthly fee 12,90 €
Monthly fee of an additional card 10,90 €
Visa Platinum extra package 160,20 € a year

If the period between ordering Platinum extra package and expiry of Platinum credit card, is less than one year, the Bank will debit a fee for an extra package in full amount.

The price is inclusive of VAT at the rate of 20%.

Annual interest rate 14-17%
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
the Priority Pass salon visit fee
for holder of Visa Platinum card with extra package free of charge
for holder of Visa Platinum card without extra package 28 € per visitor
for persons accompanying Visa Platinum cardholder 28 € per visitor
Platinum credit card (Mastercard) When paying for goods or services with the Platinum Credit Card, the transaction amount is subject to an up to 40-day interest-free period (between the date of purchase and the payment date). Upon making a payment and withdrawing cash 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.
Monthly fee 14,90 €
Monthly fee of an additional card 12,90 €
Platinum extra package 160,20 € a year

If the period between ordering Platinum extra package and expiry of Platinum credit card, is less than one year, the Bank will debit a fee for an extra package in full amount.

The price is inclusive of VAT at the rate of 20%.

Annual interest rate 14-17%
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
The LoungeKey salon visit fee
for holder of Platinum credit card with extra package 20 free visits per calendar year, exceeding the limit, a fee of 28 € per visitor will be charged
for holder of Platinum credit card without extra package 28 € per visitor
for persons accompanying Platinum cardholder 28 € per visitor
Credit card opening fee
Opening the card in a branch 2,50 €
Opening the card in digital channels 1,50 €
Replacement of a credit card 7 €
Renewal of credit card (incl. additional cards) free of charge

Card transactions

Effective as of 01.10.2020
Depositing euros using a debit card in Swedbank terminal in Estonia A limit of 7500 euros 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
Over 5000 € per calendar month 0,25% of the amount exceeding 5000 € per month
Cash withdrawal with debit cards issued by Swedbank from Swedbank Group ATMs in Estonia, Latvia, Lithuania, Sweden ATM in Sweden is Bankomat.
Up to 2000 € per calendar month free of charge
Over 2000 € per calendar month 0,3% of the amount exceeding 2000 €
Cash withdrawal from other bank’s terminals in Estonia and abroad 1 € + 2,5% of the amount
Cash withdrawal with credit cards (without Platinum credit card (Mastercard)) Upon withdrawing cash 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. 1,92 € + 2,5% of the amount
Cash withdrawal with Platinum credit card (Mastercard) Upon withdrawing cash 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.
Up to 1000 € per calendar month free of charge
Over 1000 € per calendar month 2,5% of the amount exceeding 1000 € per month
Credit card statement from a branch
Previous month statement free of charge
Earlier statements 4 € per month
Amendment of a credit card agreement
In a branch 10 € (excluding changing the user limits)
In digital channels free of charge
Increase of credit card’s credit limit If upon the renewal of a credit card on the basis of an application, the credit limit of the credit card is rounded by increasing or decreasing the credit limit up to 50 € (incl.), no fee for amending the credit limit shall be charged when increasing or decreasing the credit limit.
In a branch 10 €
In digital channels 3,20 €
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.
VISA or Mastercard (except Platinum credit card (Mastercard)) 1% of transaction amount
With Platinum credit card (Mastercard) no currency exchange surcharge
Sending a card by mail
Inside Estonia free of charge
From one branch to another 2,50 €
Penalty for using a closed card 65 €
Emergency cash assistance in abroad in Western Union service points If the ordered service is canceled, the bank will not refund the service fee. 40 €
Copy of a receipt (inquiry)
a transaction in Estonia 4 €
a transaction abroad 8 €
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 €
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/Maestro cards. 0,32 € per query
Transfer from credit card limit account according to regular bank transfers pricelist
Making payments in ATMs and payment terminals using debit cards
Intra-bank payment 0,16 € (free of charge for people over 65 years of age (incl.)) This also applies to clients who were at least 60 years old on 1 September 2015 and held a current account.
Domestic payment 0,38 €
Retrieval of bank cards from other banks from Swedbank ATMs 30 €
  • Bicycle was stolen.
  • Child broke his winter parka in kindergarten.
  • Glasses were broken.
  • Computer was damaged.
  • Skis were broken.
  • Surfing equipment was damaged.
  • And many more.

Purchase insurance terms and conditions

  • Purchase insurance applies to goods purchased with credit card at stores and online.
  • It compensates expenses on repair or replacement of durable goods* in case of theft, damage or destruction even if it was done unintentionally by the card holder himself.
  • It applies to most purchases inlc. clothing, sports equipment, tech gadgets etc. for 180 days from the day of the purchase.
  • To claim you need to have purchase document or payment information.

*Durable goods are items with a lifespan of at least 3 years. The lifespan of a product is determined by the manufacturer.

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

  • One item € 1,000.
  • One insured event € 2,000.
  • One year € 4,000.
  • Items with limited compensation* €400.
  • Excess per insured event is €30.

*Computers, computer parts and external devices; mobile phones; glasses, incl. sunglasses; watches; unique items, jewelry (incl. precious stones, precious metals and pearls); items made of fur.

Best choice for your purchases and occasional travels abroad.

Gives you travel insurance for the whole family and protects most of your purchases.

Swedbank's best travel insurance, unlimited access to Priority Pass airport lounges and rental car insurance.

Insure your credit card repayments and get financial safety in case you unexpectedly fall ill or loose your job.

Card related questions and card claims

Insurance related questions and claims

  • 888 1513
  • Insurance is provided by Swedbank P&C insurance AS.

Report damage

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