Fixed Payment Credit Card

Useful in case you need money for bigger purchases or unforeseen expenses.

Works likehire purchase: repayment of 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.

Borrow responsibly by fairly assessing your loan repayment capabilities.

As of 21.04.2022, we no longer issue new Fixed Payment Credit Cards. Choose another card here.

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 and special offers (content in Latvian language).
You can also take out extra cards for your family members. Each additional cardholder enjoys the same privileges as you.

documentTerms of Use of Credit Cards

Manage your credit card via Internet Banking and the Swedbank mobile app: block and unblock, manage limits and make repayments on the go.
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.
In the Swedbank mobile app, see a list of websites that your digitized card is linked to. Watch the tutorial.
You can start using the credit limit right after signing the credit card agreement - even before the card arrives.
You can transfer money, make payments and withdraw cash in ATMs directly from your credit card account.
Contactless payments - you'll be able to pay up to €50 by just tapping the card to the terminal. No PIN, no hassle, just quick and safe shopping.
Contactless payments with supported e-wallets.
Cash deposit and withdrawal in ATMs.
Activate the internet shopping feature.

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.

New cards no longer issued to customers from 21.04.2022.

Service		Price, EUR
Receiving
Ordering the card	Easier via Internet Banking	Free of charge	The card delivery method can be selected via Internet Banking.
Card production and delivery	Best value by post	2.00-4.00 By post in Latvia - 2.00 At branches - 4.00	The fee is debited automatically upon activation of the card. The production and delivery 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
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
Monthly fee		0.00
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
A transfer from the credit card account		See Payments	Fees for transfers from the credit card account are identical to those for payments from the current account.
Cash transactions		See Cash transactions in ATMs and retail outlets
Purchase Insurance		Free of charge	More about Purchase Insurance.
Interest rate per annum on amount outstanding		From 20%	The interest rate is set individually and depends on the customer’s credit history, amount of loan obligations, and transfers of regular income to their account with Swedbank.
Exceeding the credit limit and using the credit limit not repaid on time		0.167% of the exceeded amount per day	Excess and overdue penalty.
Early partial repayment of credit	Easier via Internet Banking	Free of charge
Changes in the credit card agreement		Free of charge
Balance in ATMs
In Swedbank ATMs in Latvia		Free of charge
- In ATMs of other banks		0,40
Printout of last 5 transactions in Swedbank ATMs in Latvia		0.20
Emergency cash assistance in Western Union service points		42.00	In cases of loss or blocking of the card.
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 01.10.2021.

Bicycle got stolen
Child tore their winter parka in kindergarten
Glasses got broken
Computer got damaged
Skis got broken
Surfing equipment got damaged
And many more

document Purchase Insurance Terms and Conditions

document Purchase Insurance for Swedbank Credit Card Holder IPID

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 incl. clothing, sports equipment, tech gadgets etc. for 180 days from the day of purchase.
To file insurance claim, you need to present the 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 1000 EUR
One insured event 2000 EUR
One year 4000 EUR
Special group of Insured Items 400 EUR*
Excess per insured event is 30 EUR

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

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.
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)

Special deal

Best choice for your purchases and occasional travels abroad.

Special deal

Comes with travel insurance for the whole family and protects most of your purchases.

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

Insure yourself against a sudden illness or unemployment in the amount of credit card liabilities.

Card related questions and card claims

Insurance related questions and claims

phone+371 67 444 449
Insurance is provided by Swedbank P&C Insurance AS Latvian branch.

Make insurance claim

You have already presented an application for this product. Do you want to fill a new application?

Fixed Payment Credit Card

Useful in case you need money for bigger purchases or unforeseen expenses.

Cash payments

If you paid by card, you could save

Card related questions and card claims

Insurance related questions and claims

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