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
New! Make savings with each card purchase

Swedbank payment card	Make contactless payments Pay at retail locations and online worldwide Have your new card delivered by post to an address of your choice Available from age 6 New! From now all newly issued Swedbank payment cards are made of recycled plastic!	More
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	More
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	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.

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.
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.

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 Card for account holders of up to 22 years of age and for account holders from the age of 65 - at 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 Card for account holders of up to 22 years of age and for account holders from the age of 65 - at a 50% discount.	The fee is debited automatically upon 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 upon activation of the card.
Accelerated production and delivery of card		35.00	Ordering card on working days till 13:30, production and delivery of card to branches “Ķīpsala” (Rīga, Balasta dambis 15) and “Spice” (Rīga, Jaunmoku street 13) within 4 business hours. Card delivery to branches outside of Riga next business day. The fee is charged in addition to the production and delivery fee. Accelerated card production and delivery can be ordered at branches or by phone via Telephone Banking on 67 444 444. No additional fee for ordering the card is charged.
Card linked to blocked account		15.00
Using
Monthly fee		1.41 For account holders up to the age of 22 and for account holders from the age of 65 - 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 01.01.2019.

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.A card can be delivered by post to persons aged 16 or more.
Accelerated card production		No available
Using
Annual fee		2.85 - 6.50 Schoolchild - 2.85 Students - 6.50	Production fee/first year’s annual fee and next years’ annual fee. The fee is debited automatically from account upon activation of the card. If the card is renewed, the next years’ annual fee is charged on 31 December.
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.

My Design Card

Service		Price, EUR
Receiving
Ordering the card	Faster and easier via Internet Banking	0.00 - 4.00 Via Internet Banking - 0.00 Via Telephone Banking - 4.00 At branches - 4.00 Ordering a card via Telephone Banking at the moment of blocking the previous card - free of charge.
Production and delivery of the card	Faster and easier by post	Free of charge	The way of receiving the card can be changed via Internet Banking. A card can be delivered by post to persons aged 16 or more. Countries to which card delivery by post is not available: Bosnia and Herzegovina, Guyana, Laos, Serbia, Trinidad and Tobago, Uganda, Vanuatu, Crimea, Moldova, Cuba, North Korea, Iran, Iraq, Libya, Sudan, South Sudan, Syria, Myanmar (Burma), Liberia, Ecuador, Ethiopia, Pakistan, São Tomé and Príncipe, Lebanon, Zimbabwe, Bolivia, Ghana, Kenya, Nigeria, Sri Lanka, Tanzania, Thailand, Afghanistan, Yemen, Egypt, Eritrea, Gambia, Guinea and Guinea-Bissau, Somalia, Tunisia, Ivory Coast (Côte d'Ivoire), Haiti.
Accelerated production and delivery of card (if the design of the card has already been approved)
In branch Ķīpsala, Spice	Collectable within 4 hours	35.00	The fee is charged in addition to the production and delivery fee. Accelerated card production and delivery can be ordered at branches or by phone via Telephone Banking on 67 444 444. If the card is ordered on business days by 13:30, it will be produced and delivered to branch Ķīpsala (Riga, Balasta dambis 15) or Spice (Riga, Jaunmoku iela 13, s/c Spice Home) within 4 business hours. Next business day delivery to other branches in and outside Riga.
Other branches in and outside Riga	Collectable on the next business day	35.00	The fee is charged in addition to the production and delivery fee. Accelerated card production and delivery can be ordered at branches or by phone via Telephone Banking on 67 444 444. If the card is ordered on business days by 13:30, it will be produced and delivered to branch Ķīpsala (Riga, Balasta dambis 15) or Spice (Riga, Jaunmoku iela 13, s/c Spice Home) within 4 business hours. Next business day delivery to other branches in and outside Riga.
Using
Annual fee		24,00	First year’s annual fee and next years’ annual fee. The fee is debited automatically from account upon activation of the card. Starting with the second year of using the card, the card's issuance/annual fee will be automatically debited from account on the 26th day of the month when the card was made.
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.

My Design Card	Once the issued cards expire, they will be renewed and replaced with contactless Swedbank payment card, the same charges as for Swedbank payment card will apply to them.
VISA Classic USD	Once the issued cards expire, they will be renewed and replaced with contactless Swedbank payment card, the same charges as for Swedbank payment card will apply to them.
Swedbank Youth Card	Once the issued cards expire, they will be renewed and replaced with contactless Swedbank payment card, the same charges as for Swedbank payment card will apply to them.
Swedbank Classic Card for seniors	Once the issued cards expire, they will be renewed and replaced with contactless Swedbank payment card, the same charges as for Swedbank payment card will apply to them.

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.

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 or opt-out.
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

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)

Extra money with an interest-free period, complimentary purchase and travel insurance.

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.

Debit cards

A card for your everyday banking needs

Swedbank payment card

Swedbank ISIC Scholar card

Swedbank ISIC Student Card

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

Swedbank Payment Card

Swedbank ISIC Card

My Design Card

My Design Card

VISA Classic USD

Swedbank Youth Card

Swedbank Classic Card for seniors

Cash payments

If you paid by card, you could save

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