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Debit cards

A card for your everyday banking needs

Swedbank’s contactless payment cards allow you to:

  • Pay for small purchases faster and easier
  • Make online purchases
  • Make savings with each card purchase
  • New! View card’s PIN code in the app

New! The first ATMs with contactless functionality – to withdraw money or use another service, simply hold your card or smart device near the card reader and enter your PIN.
Swedbank payment card

Swedbank payment card
  • Pay at retail locations and online worldwide
  • Have your new card delivered by post to an address of your choice
  • Available from age 6
  • Included in Basic Package
  • Check your payment card details within our app - card number, expiry date, and Security code/CVC2 code.

More
Swedbank ISIC Scholar card

Swedbank ISIC Scholar card
  • Most suitable payment card for schoolchildren aged 6 or more
  • Works as schoolchild certificate
  • Discounts at places in Latvia and all around the world
  • With contactless payment feature
  • Included in Basic Package

More
Swedbank ISIC Student Card

Swedbank ISIC Student Card
  • Most suitable payment card for students
  • Valid proof of student’s status around the globe
  • Discounts at places in Latvia and all around the world
  • With contactless payment feature
  • Included in Basic Package

More

If your card has been lost, block it in our app or internet banking site.

  • We want to make online shopping safer for you. That’s why the internet shopping option must be activated in case of each Mastercard and Visa cards that have been issued by Swedbank and are used to make purchases online. Read more about internet shopping.
  • Before you make a purchase online, make sure the store is safe.
  • Try to find out more information about merchant. Every website should have information about the name and location of the company and an e-mail address and telephone number to use, should you have any problems. There should also be information about deliveries and returns, the procedure for submitting complaints as well as warranty terms and conditions. Don’t fall for discounts that seem to be too unrealistic.
  • Use a welcome text in the Internet shopping programme that is as personalised as possible. Every time you make a purchase online, ensure that the welcome text is the same as the one you set when you signed up to the programme.
  • If you only rarely make purchases online using your bank card, we advise you to activate the Internet shopping option only for the moment of making the purchase.
  • In case of renewed or replaced card the linkage to the selected e-wallets and various service providers will be retained when you activate your new card.
  • You can protect your money by choosing usage limits that suit you. You can set separate limits for purchases, cash and payment transactions.
  • You can change Usage Limits in Internet bank under My Cards or in the Swedbank app.
  • You can also increase your limits temporarily if necessary.
  • When you get your bank card, you will also receive a PIN that is known only to you.
  • Memorise it, do not write your PIN on the card or anywhere else where it can be seen by others.
  • Do not tell or show your PIN to anyone, not even to bank employees.
  • New! You can check your card’s PIN code in the Swedbank app. It’s secure, easy and will help you in case you forget your PIN code.
  • Try to enter your PIN so that no one else can see it, because your card could be stolen and used by somebody else. If the payment with a stolen card is confirmed with the PIN, it is the customer’s liability.
  • 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.
  • 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.
  • 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, because your card data can be stolen.
  • If your card has been lost, block it immediately in our app or internet banking site. If you blocked your card in the app or the internet banking site, you can unblock it or order a replacement card within 10 days from blocking your card.
  • It is not recommended, to send your card number by post or give it on the telephone when making a purchase, because your card data could be used for fraudulent transactions, but if there are no other possibilities, please, be extra careful.
  • 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.
  • Only the person whose name appears on the card, may use the card. Do not let anyone, even a close person, to use your card.
  • Always check the transaction amount that you are approving with the card.
  • Follow up your card transactions regularly in your internet bank or in the Swedbank app. If any transaction seems suspicious, please contact the bank.
Card ordered on a business day: Time and place of receipt
Spice or Ķīpsala branch Other branches or card delivery to an address
by 12.30 Within 5 hours On next business day
by 12.30 On next business day On business day after the next
  • Swedbank Payment Card

    Swedbank Payment Card

    Service Price, EUR
    Receiving
    Ordering the card Faster and best value via Internet Banking! 0.00 - 4.00 Via Internet Banking - 0.00
    Via Telephone Banking - 4.00
    At branches - 4.00

    For account holders of up to 22 years of age – a 50% discount.

    Account holders who’ve been added to the Senior customer service programme by 01.09.2022 receive a 50% discount.

    Ordering a card when opening the first account - free of charge.
    Ordering a card at branch based on power of attorney/ordering a card for other user - free of charge.
    Ordering a card via Telephone Banking at the moment of blocking the previous card (if the card is lost or stolen but not in cases when incorrect PIN is entered or the card plastic is damaged) - free of charge.

    		The card delivery method can be selected via Internet Banking.
    Production and delivery of the card Faster and easier by post 2.00-4.00 By post - 2.00
    At branches - 4.00

    For account holders of up to 22 years of age – a 50% discount.

    Account holders who’ve been added to the Senior customer service programme by 01.09.2022 receive a 50% discount.

         		The fee is debited automatically after activation of the card. The fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or after activation of the card.
    Accelerated production and delivery of card options 35.00

    Accelerated production and delivery of cards can be ordered at a branch or by calling us on 67 444 444. The card can be collected at our branches or at a delivery address specified by the customer to the bank.
    Card linked to blocked account 15.00 When ordering a Swedbank payment card in case of a blocked account, the monthly card fee and the production and delivery fee are 0 EUR. If the account is unblocked, the monthly card fee starts to be charged after 2 months according to the price list. In case of a blocked account, other types of cards cannot be ordered.
    Using
    Monthly fee 1.70

    For account holders of up to 22 years of age – a 50% discount.

    Account holders who’ve been added to the Senior customer service programme by 01.09.2022 receive a 50% discount.

         		The card’s monthly fee is debited automatically from the customer’s account at the start of each month for each month when the card has been in customer’s use.
    Purchases in Latvia and abroad Free of charge
    Currency exchange mark-up 2% The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
    Balance in ATMs
    - In Swedbank ATMs in Latvia Easy via mobile app Free of charge
    - In ATMs of other banks 0.40
    Printout of last 5 transactions in Swedbank ATMs in Latvia 0.20
    Cash transactions See Cash transactions
    in ATMs and retail outlets
    Emergency cash assistance in Western Union service points 42.00 The service is available in cases when the card is lost or blocked.
    Claim processing Free of charge If processing of the claim involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
    Closing
    Closing the card Faster and easier via Internet Banking and the mobile app Free of charge Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

    Effective from 01.09.2022.

  • Swedbank ISIC Card

    Swedbank ISIC Card

    Service Price, EUR
    Receiving
    Ordering the card Easier Internet Banking Free of charge The card delivery method can be selected via Internet Banking.
    Production and delivery of the card Faster and easier by post Free of charge If the card is ordered remotely, it can be received only at a branch.The way of receiving the card can be changed via Internet Banking.
    Accelerated card production No available
    Using
    Monthly fee 0.25 EUR - 0.55 EUR

    Schoolchild - 0.25
    Students - 0.55

     (previously 2.85 EUR - 6.50 EUR yearly)     		The card’s monthly fee is debited automatically from the customer’s account at the start of each month for each month when the card has been in customer’s use.
    Purchases in Latvia and abroad Free of charge
    Currency exchange mark-up 2% The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
    Balance in ATMs
    - In Swedbank ATMs in Latvia Easy via mobile app Free of charge
    - In ATMs of other banks 0.40
    Printout of last 5 transactions in Swedbank ATMs in Latvia 0.20
    Cash transactions See Cash transactions in ATMs and retail outlets
    Emergency cash assistance in Western Union service points 42.00 The service is available if the card is lost or blocked.
    Claim processing Free of charge If processing of the claim involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
    Closing
    Closing the card Easier Internet Banking and the mobile app Free of charge Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

    Effective from 01.07.2018.

All our Debit Card cards are made from 100% recyclable plastic.

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.
  1. Pay digitally. It helps you track your expenses, set the limits for certain expense categories, and identify where you can manage your consumption habits.
  2. 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.
  3. 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.

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

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

Cash payments

  • 0
  • 0

If you paid by card, you could save

  • 0
  • 0

Source: Lindgreen, E.R., van Schendel, M., Jonker, N. et al. (2018); Hanegraaf, R., Larçin, A., Jonker, N. et al (2020)
  • Where can I order the debit card?
    • The most convenient option is to do it via Business Internet Banking.
    • By contacting the bank by phone on 67 444444.
    • At your nearest branch.

    Via Business Internet Banking:

    • The application can be filled out by any Business Internet Banking user of the company.
    • The application must then be confirmed and the Card Agreement must be signed within 7 days by a user who, according to the Register of Enterprises, is entitled to represent the company singly and is logged in to Internet Banking with the Smart-ID or eID.
    • If the Card Agreement is not signed, the application is deleted and production of the card is not started.

    By contacting the bank:

    By a person who, according to the Register of Enterprises, is entitled to represent the company singly.

    At branch:

    The card can be ordered by the company’s authorized signatory (one or several) who is entitled to represent the company according to information at the disposal of the bank or according to the Register of Enterprises.

  • Where can I apply for the credit card?

    Via Business Internet Banking:

    • The application can be filled out and confirmed by any Business Internet Banking user who, according to the Register of Enterprises, is entitled to represent the company singly.
    • After receiving your application, a bank employee will contact you in 1 business days' time to arrange the next steps.

    Branches

    The card can be applied for by the company’s authorized signatory (one or several) who is entitled to represent the company according to information at the disposal of the bank or according to the Register of Enterprises.
  • How and who can get a card?

    By post (for free worldwide):

    To the company’s contact address provided on the Internet Banking site. This is convenient and saves your time. Cards are sent by post inactive and separately from the PIN (for renewed cards the PIN is not sent as it remains the same).

    At any branch:

    • If the Card Agreement is already signed (also applies to renewed debit cards), the card can be collected by the company’s authorized signatory or by the cardholder by presenting a passport or ID card.
    • If the Card Agreement is not signed or in case of credit card renewal, the card can only be collected by the company’s authorized signatory together with signing the Card Agreement.
  • How to change the way the card is received?

    The most convenient way is to do so in the Our company cards section of the Business Internet Banking site by clicking “Agreement” .

    • Card delivery method can be changed by users with full-access rights in Business Internet Banking.
    • Card delivery method can be changed no later than 60 days (for debit cards) or 35 days (for Credit cards) before the card's expiration date.
  • Who and how can activate card delivered by post in Internet Banking?

    In the Company cards section of the Business Internet Banking website:

    • If the agreement on a new or replaced card is already signed, the card may be activated by a user with the full or transactions access rights mode.
    • Renewed debit cards, can be activated via Business Internet Banking by a user with the full or transaction access rights mode or by a legal representative with the right to represent the company individually according to the Register of Enterprises regardless of the access rights mode or by a card holder by making a purchase in a physical store by inserting the card into the POS terminal and entering the PIN at the time of purchase or by performing the usual operations in an ATM.
    • If you’ve received the card for the first time and the Card Agreement was not signed at the time ordering, the card can only be activated together with signing the agreement.
    • The Card Agreement may be signed by a person who has the right to represent the company individually according to the Register of Enterprises and is logged in to Business Internet Banking with the Smart-ID, eParaksts mobile or eID.
    • Before activation, please make sure that the cardholder and company details shown on the card are correct.

    Attention! The card must be activated within 30 days of it being received by post. Cards not activated on time will be irreversibly closed due to security reasons.
  • What are the card limits?

    The following limits and user rights apply for all cards:

    • On cash deposits and withdrawals.
    • On card purchases.
    • On viewing account transactions and past payments.

    When a card is produced, it has the default limits but after the card is issued, also personalized limits may be set up. We encourage doing so via Business Internet Banking.

    Default limits for the Debit card are avaliable here, but for Credit cards - here.

  • Who can view and modify the limits and how?
    The most convenient way of checking out the limits is doing so in the Our company cards section of the Business Internet Banking site by selecting the appropriate card next to the respective card. To change the card limits, the user must have full-access rights in Business Internet Banking or according to the Register of Enterprises, is entitled to represent the company singly.
  • What card operations may be restricted via ATM?
    It is possible to restrict cardholder’s access to the balance of account linked to the card and last 5 performed transactions. To do it, you need to change the cardholder’s rights. The most convenient way is doing so in the Our company cards by selecting the appropriate card.
  • Will my Mastercard card work abroad?
    Mastercard cards are accepted for payment in all retail outlets worldwide where the Mastercard logo is shown and the retailer accepts that type of cards.
  • How is card currency exchanged from the card’s principal currency to other currency?

    At the moment of settlement, exchange to the necessary currency takes place automatically. The account must have sufficient balance in the card's principal currency.

    Settlements in foreign currencies are subject to currency exchange mark-up for the debit card and credit cards according to the Price List.

  • Where can I find information about exchange rates?
    Information about current exchange rates is available on the websites of the international card organizations: Mastercard and Visa.
  • Is there a possibility that my card might not be accepted?
    There are no restrictions on use of cards on the part of the bank, however every retailer is free to choose what type of cards to accept.
  • How is the transaction amount reserved and debited?
    At the moment of transaction, the amount is reserved in the account to which the card is linked. The amount reserved is debited from the account when the bank receives complete information about the transaction from the merchant but no later than within 30 days after the transaction was performed.
  • How is the amount for a credit card transaction reserved?
    • Purchases with the Business Credit Card have an interest free period of up to 30 days for using the credit limit - from the time of purchase until the 1st date of the following month.
    • Purchases with the Business Gold Credit Card have an interest free period of up to 40 days for using the credit limit - from the time of purchase until the 10st date of the following month.
    • During the interest-free period, the purchase amount is reserved and no interest accrues on the reserved amount for drawing on the credit limit.
    • In isolated cases, for purchases made during last days of the month and about which information has been received at the bank belatedly, the interest-free period and the amount reservation time be automatically extended to the 1st or 10th date (depending on the credit card type) of the month following the next month.

    Attention! The interest-free period is not in force for transfers and cash withdrawals from the credit card account and interest starts to accrue on the outstanding credit limit immediately after the transaction.

  • How is the used credit repayable?
    • All used credit limit (for purchases, transfers and cash transactions) is automatically transferred from the credit card account until the 1st date (for Business Credit Card) or until the 10st date (for Business Gold Credit Card).
    • If the current account does not have enough funds for automatic repayment of the amount of the credit limit, partial repayment does not take place and the interest calculation also begins for the purchases for which the interest-free period has ended.
    • The Company may at any time repay the used credit limit itself, including the necessary funds on the credit card account, thereby terminating the interest calculation.

    Attention!

    • The credit limit used for purchases is always reserved until the end of the interest-free period, regardless of the company's funds in the credit limit account.
    • On the 1st or 10th date of each month (depending on the type of credit card), at the same time as the automatic repayment of the used credit limit, the card-linked current account is also charged:

    - Monthly fee for using a credit card

    - Interest on credit limit usage
  • What’s ‘Internet shopping’?
    This means double protection of your online purchases with repeated authentication provided by Mastercard Identity Check and Visa Secure solutions. The logos Mastercard Identity Check and/or Visa Secure are featured in the online stores which have joined the programme. To find out more, see here!
  • Where can I register the card for internet shopping?

    On the Internet Banking site under “Company cards” by clicking the button “Internet shopping”.

    Settings can be changed by user having at least transactions profile to the card account, or a company’s legal representative, who is authorized to represent the company singly according to the Register of Enterprises and has logged in to Internet Banking with the Smart-ID or eID.

    Registration is necessary for new cards only. If the card is renewed or replaced, the settings of the previous card are kept.

  • How can I check whether the card is registered for internet shopping?
    The registration status is visible on the Business Internet Banking site in section “Company cards”. Active (orange) button next to the card means that the card is registered for internet shopping. Inactive (grey) button means that the card is not registered for internet shopping.
  • Can the card be used for paying at all online retail outlets?

    Yes. The card be used for paying if the merchant accepts this type of cards and has not set any special restrictions. We strongly encourage to carefully read the customer service and product delivery terms & conditions on the retailer’s website.

    Even greater security requirements under EU directive take effect from Jaunary 2021. Card payments may fail at some online stores. In such cases information about other payment options can be provided to you only by the retailer.

  • What could be the reason I can't pay online with a card?

    Even greater security requirements under EU directive take effect from Jaunary 2021. Card payments may fail at some online stores. In such cases information about other payment options can be provided to you only by the retailer.

    The most frequent reasons for refusing a purchase could be:

    • Internet shopping feature may be not enabled for the card.
    • The account lacks sufficient funds.
    • Card's purchase transaction limit is exceeded.
    • The card has expired.
    • Software settings of the device used, or web browser settings are not compatible with the retailer’s solution.
    • The device’s cache memory has not been cleared.
    • The retailer has set restrictions for transactions (e.g. cards of a specific type or cards issued in a specific country are not accepted). For detailed information, see the merchant’s website.
  • What do to if a card purchase that I haven’t made shows up in the account statement?

    You need to fill out the bank message form “Company cards”.

    Important! It is necessary to block the card with which an unauthorized transaction was performed in the “Company cards” section of the Internet Banking or by calling 67 444 444.
  • Who can suspend a card and how?
    • On the Business Internet Banking site – users with full-access rights mode or according to the Register of Enterprises, is entitled to represent the company singly.
    • In the Swedbank mobile app for companies – a person who according to data of the Register of Enterprises is entitled to represent the company singly or is the cardholder themselves.
    • By contacting the bank by phone on 67 444 444 – a person who is entitled to represent the company singly or is the cardholder themselves.
    • By visiting the bank’s branch – the authorized signatory (one or several) who is entitled to represent the company according to information at the disposal of the bank or according to the Register of Enterprises, and the cardholder themselves.
  • What to do in case the card is stolen?

    If a card is stolen, it must be closed immediately:

    • On the Business Internet Banking site by sending a message to the bank.
    • By contacting the bank by phone on 67 444444.
    • If it’s not possible to get in touch with the bank, then the card can be suspended by calling the card 24h international assistance line: Mastercard on +0800-96-4767, Visa on +8000-02288.
  • Is it possible to re-activate a blocked card and within what timespan?

    The operation of a blocked card can be restored:

    • If the card has been blocked on the Business Internet Banking site, its operation can be restored within 10 days by a user having the full rights in the section “Company’s cards” selecting the appropriate card.
    • If the card has been blocked at a branch, its operation can be restored within 70 days by visiting a bank’s branch and producing the passport or ID card and also taking the blocked card with you.

    Attention! If the suspended card is not re-activated within this timespan, it will automatically be closed.

Provides support in day-to-day and urgent situations.

Our mobile app for your daily finances - check account balance, manage your cards, transfer money and much more.

You will automatically top up your savings with a small amount every time you pay by card.
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С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Klientu serviss - Инфо и помощь - Customer service: +371 67 444 444

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Contacts

“Swedbank” AS
Balasta dambis 15, Riga,
LV-1048, Latvia
BIC/S.W.I.F.T.: HABALV22
Reg. number: 40003074764

Useful links

Legal information

Customer programmes

This is Internet Banking site of companies offering financial services - "Swedbank" AS, "Swedbank Līzings" SIA, "Swedbank Atklātais Pensiju Fonds" AS, "Swedbank Ieguldījumu Pārvaldes Sabiedrība" AS, "Swedbank P&C Insurance" AS Latvia branch, "Swedbank Life Insurance" SE Latvia branch. Before signing any agreement read the terms and conditions of the respective service.