Youth

0 EUR* during first year

A step towards new opportunities

Apply for Swedbank ISIC and enjoy all the opportunities that the card brings!

  • Discounts at more than 500 retail outlets in Latvia
  • Convenient contactless payments
  • Internet shopping
  • An official student ID card

Existing customer:

Existing customerNew customer

If you wish to order this card for your child, click here.
*When ordering Swedbank ISIC by 30/09, it will be issued and you can use it for free during the first year.

Go to the Swedbank branch with your parent or guardian.

Required documents when going to the branch:

  • For you - birth certificate or passport/eID card
  • For parent/guardian - passport or eID card*

Book a visit, choosing the time and branch most convenient for you:

Book a visit

Go to the Swedbank branch with your passport or eID card. Book a visit, choosing the time and branch most convenient for you:

Book a visit

* Document certifying the rights of the guardian - passport with the entry on the child or the child's birth certificate or an extract thereof.

Swedbank ISIC card in Latvia and worldwide is:

  • An official student/scholar card
  • A discount card
  • Bank card for paying in stores and online
  • Card with contactless payment feature

Advantages of the card

  • Get discounts - at over 550 places in Latvia and 150,000 places around the world.
    Find out more about discounts - https://isic.lv/lv/atlaides/.
  • Prove your status as a student all around the world, e.g. in libraries, museums and public transport

Internet shopping

In order for online shopping to be safe for you, before you start using it, activate the internet shopping option by logging in to your Internet Banking user profile.

Find out more

Contactless payments

  • You can pay for purchases of up EUR 25 by simply touching the card against the card reader. Contactless payments are available everywhere you see the contactless payments symbol contactless. Just a beep and it's paid!
  • You can activate/deactivate contactless payment feature for your card via Internet Banking or Swedbank mobile app.
  • Pay for daily purchases with a smart phone. These payments are available in many places all over the world. It s secure and convenient. Supported e-wallets:

Debit card

Swedbank ISIC card

Ordering the card 0.00 - 2.00 EUR

Via Internet Banking - 0.00
Via Telephone Banking - 2.00
At branches - 2.00

Card ordering fee for account holders from the age of 23:
Via Internet Banking - 0.00
Via Telephone Banking - 4.00
At branches - 4.00

Free of charge
Card production and delivery 1.00 - 2.00 EUR

By post - 1.00
At branches - 2.00

Card production and delivery for account holders from the age of 23:
By post - 2.00
At branches - 4.00

Free of charge
Fee 0.71 EUR monthly Card monthly fee for account holders from the age of 23 - 1.41 EUR 2.85 - 6.50 EUR yearly

Schoolchild - 2.85
Students - 6.50

Purchases in Latvia and abroad Free of charge Free of charge
Currency exchange mark-up 2% 2%
An international discount card - agree
International student / scholar card - agree
Order the card Order the card
  • The full price list can be found here.
  • All terms and conditions are available here.

How can I save?

Personal finances are all the matters related with your money management, saving and investment. Knowing how to manage your finances helps to manage money, set goals and reach them, choose the best solutions for your money matters.

Recommendations which can help you save money

Create a savings plan

Calculate how much money you will need to put aside for savings every month to reach your goal.

Set up your saving goals

Having a clear goal will motivate you to save up to a particular sum.

Separate your savings from your everyday money

By putting aside your savings, you will not risk spending them on spontaneous purchases.

Don‘t underestimate small coins

Start saving with small steps- put loose change in your piggy bank.

Save without noticing

With the help of the Easy Saver, you can create savings step by step. How often and how much to set aside for savings is your call.

Setting up your budget

80/20 rule

Spend only about 80% of the money you get and save the other 20%. Use 80/20 rule when planning your budget. Divide your income into at least two categories:

Expenses – 80% of the budget

Money that you will spend in the short-run (e.g. lunch at school, cinema, etc.).

Savings – 20% of the budget

Money that will be spent on more expensive things (e.g. a smartphone, clothes, etc,)

With our expenditure monitoring tool My Budget you can easily keep track of your spending. There you can see a categorized overview of your expenditure and find out where you’ve spent money and where you might save. To learn more and start using the tool, press here.

Needs and wants

You should learn to distinguish between needs and wants. Below you can find an example list of needs and wants. Please be aware that needs and wants will not be the same for everybody.

  • School materials
  • Public transport ticket
  • Lunch at school (food)
  • Gym subscription
  • Entertainment (cinema tickets)
  • Coffee to go

Distinguish between needs and wants

You can distinguish between them by following these steps:

Group your purchases into different categories (e.g. entertainment, food, etc.).

Generally, a need is something you can’t live without. A want is everything else that is not a priority need.

A rule of thumb is that you should spend 50% of your income on your needs and around 30% on your wants. If your current spending is largely disproportionate, you should either reconsider your categories or cut spending in either of the categories. 20% of your income should go to your savings.

While using daily banking products, you should keep in mind these safety recommendations:

  • Always keep your card and your PIN code safe; do not disclose it to anyone
  • Always check the sum of the transaction before entering your PIN number
  • Make sure nobody sees your PIN code while entering it
  • Always pay attention to the transaction when making a payment
  • Always set a screen lock
  • Use different passwords for each site
  • Use strong passwords that you can remember
  • Do not open e-mails from unknown senders
  • Make sure your phone display is locked
  • Be careful with what you download. Download apps only from official app stores
  • Never give out your personal data
  • Do not open websites or links that seem suspicious

When you decide to sign any legal document (for example a gym membership contract):

  • Read the whole document and pay attention to details.
  • Make sure you understand everything in the document- if anything is unclear, ask for clarification.
  • When you have signed the contract, save a copy.
  • Remember you are responsible for your commitments in the contract!

The visit to the lab is an interactive outside-school financial education activity (4-12th grade students) that adds to the study process and provides a possibility both to acquire new knowledge and practically strengthen the existing one. It’s based on a game with escape room elements, where the students have to answer various questions concerning financial skillfulness to find the code that opens the safe.

Parts of the code discovered are hidden in 5 thematic base stations:

  • 21st century skills
  • budget planning
  • responsible borrowing
  • useful skills for personal development
  • Location: Swedbank, Balasta dambis 15, Riga.
  • Visiting the Finance Lab is free of charge.
  • Arrange a visit to the Finance Lab by email to: dzveigatavs@swedbank.lv

When you start working or living independently, entrust your daily finances with us. Manage your money all in one place.

  • Get salary in your Swedbank account. Find out more
  • Save your time and order your payments to be done automatically. Find out more
  • Convenient solutions for daily payments with digital wallets: Apple Pay, Garmin Pay, Fitbit Pay and mobile contactless payments for Android. Transferring money to somebody no longer requires knowing the bank account number – all you need to know is the recipient’s phone number.
  • My Budget tool – keep track of your incoming and outgoing payments all in one place, get a categorized overview of your expenses un find out where you’ve spent your money and identify your spending leaks.

Got a good idea but lack the means to materialize it? Want to buy a new computer? Decided to start studying in university? Your task is to decide where to study and what, and ours - to help you make these goals come true. Learn about the services that can help you turn your ideas into reality:

Travelling expands horizons and enriches with experience. It can be spontaneous or well-planned, however it is always important for it go safe and worry-free. We know that saving money is not a habit that’s easy to get into, so we created the Easy Saver that allows saving without noticing it, by small and smart steps.

Dreaming of your own home, tailored to your taste and desires? Find out your possibilities and the financing solution that is right for you:

If you want to buy your first car - new or used, find out your car purchase possibilities and fill out an application for car lease or car loan.

Thinking about starting your own company? Then know that you won’t need to visit the bank. Do everything remotely and, what’s more, free of charge!

  • Temporary account opening for paying in the start-up capital – right here via Internet Banking free of charge.
  • Business debit card for convenient payments – at no charge for the first year.
  • For e-shop owners – payment acceptance online at no charge for the first 3 months.
  • For brick-and-mortar retailers – card terminal without any rental fee for first 6 months.

Special offer! To better target new customers, a gift of Google AdWords advertising coupon worth 40 EUR.

Find out more

Do you have an overview of your spending’s? My Budget is a perfect tool for that.

The Easy Saver will help your savings grow in small but smart steps.

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