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Platinum Credit Card

New card - more possibilities to explore.

Exclusive credit card with comprehensive travel and purchase insurance for business or leisure trips abroad.

It takes only 2 minutes to fill in the application Access credit limit before card arrives Manage your card easily in the mobile app

*Terms and conditions apply. Boingo services provided by Boingo Wireless, Inc. See mastercard.boingo.com for full details.

* Terms and conditions apply. Find out more at: mastercard.flexiroam.com.

  • Manage your credit card via Internet Banking and the Swedbank mobile app: block and unblock, manage limits and make repayments on the go.
  • New! Now you can check your PIN code and payment card details in our app. Easily access the card number, expiry date, and Security code/CVC2 code for all your active cards and view your PIN code in case you have forgotten it.
  • In the Swedbank mobile app, see a list of websites that your digitized card is linked to. Watch the tutorial.
  • Transfer money and make payments directly from your credit card account.
  • Book and pay for hotels and use car rental services without a hitch.
  • Contactless payments – use contactless payments or add your card to Apple Pay and other supported e-wallets.
  • Cash deposit and withdrawal in ATMs.

When to pay back your used credit limit?

  • No interest will accrue if you repay the amount of the credit limit you have used during the current month by the 20th day of next month

How does repayment work?

  • On the date due for repayment, the outstanding amount is automatically debited from the account linked to the card. If funds are insufficient, the interest starts to accrue, and you can repay the used limit anytime later.

Important! The interest-free period does not apply to cash withdrawals and transfers from the credit limit account.

  • Card’s monthly fee - 17 EUR
  • Card production and delivery by post - 2 EUR, to the branch - 4 EUR
  • Interest rate from 14% per year. It is set for each customer individually.
  • With the Extra package, the annual fee is 171 EUR

Full price list

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
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 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 after the decision is made if the credit limit for the credit card has not yet been approved. Part of this fee (a minimum of 20 EUR) is transferred by the bank to third parties for the card delivery service.
Using
Monthly fee 17 The fee is debited from the account linked to the credit card on the monthly payment date set in the agreement. The fee is debited automatically for each month when the card has been in customer’s use.
Purchases in Latvia and abroad Free of charge
Currency exchange mark-up 0% 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.
Travel Insurance Free of charge More about Travel Insurance.
LoungeKey
- Program membership fee Free of charge The LoungeKey unlocks access to special lounges at over 1000 airports worldwide. Find out more on LoungeKey.com or the mobile app.
- Platinum Extra Package annual fee 171 EUR (incl. PVN) The Platinum Credit Card’s Extra Package allows the credit card holder to have 20 free airport lounge visits per calendar year. The annual fee is debited from the current account linked to the credit card.
Interest-free period Until following month's 20. date The interest-free period applies to card purchases only. The interest-free period does not apply to cash withdrawals and transfers.
Interest rate per annum on amount outstanding From 14% 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 09.07.2020.

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

*New lending transactions may be concluded and credit cards may be activated via Internet Banking between 7 AM and 10 PM. Automated aggregation and registration of data on transactions concluded during the day takes place after 10 PM and, pursuant to the Consumer Rights Protection Law, it is prohibited to enter into consumer lending contracts during night time until 7 AM.

Income

  • Your after-tax income must be at least 670 EUR per month
  • 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 credit payments may not exceed 40% of your monthly income
  • You may not have overdue credit payments at Swedbank or other creditors or unpaid bills for different services
  • Be ready to submit the official documents evidencing the income if the expected source of repayment is not a salary/wages
  • Many expenses connected with unwanted travel changes like:
    • flight cancellations
    • delays
    • travel interruption
    • etc.
  • Lost or stolen luggage
  • Injuries while traveling (incl. skiing, swimming pool accidents etc.)
  • For rental car, as CASCO for it is included
  • Need for legal assistance
  • Trip cancellation due to illness
  • And other situations
  • Travel insurance will keep you safe from unwanted worries and, most importantly, from unexpected expenses while enjoying your holidays or business trip.
  • Travel insurance is in force for the cardholder and their family members* travelling together with the cardholder at no extra charge.
  • Travel insurance is valid if you have an active credit card agreement during your travel, even if you’ve purchased the trip with other card and before taking out the credit card.

* Travel insurance is valid for family members which travel together with you and covers your spouse, partner, children and grandchildren (up to 17 years of age (inclusive) or, if full-time student and single, then up to 21 years of age (inclusive)).

Gold Credit Card

Platinum Credit Card

Credit card fees The monthly fee is EUR 5, including free travel insurance The monthly fee is EUR 17, including free travel insurance
Insured persons Entire family travelling together Entire family travelling together
Insured risk Sum insured per one person insured up to (EUR) Sum insured per one person insured up to (EUR)
Medical assistance (cost) 1 000 000 EUR 1 000 000 EUR
Insured risk Sum insured/limit per one credit card up to (EUR) Sum insured/limit per one credit card up to (EUR)
Personal belongings (damage, theft) 1000 EUR 2500 EUR
Travel itinerary / schedule change 2000 EUR 3500 EUR
Delay in departing flight (by over 4 hours) 300 EUR 500 EUR
Luggage delay (4 hours) 300 EUR 1000 EUR
Liability insurance 10 000 EUR 20 000 EUR
Legal assistance 1000 EUR 10 000 EUR
Bail 3000 EUR 5000 EUR
Rental car CASCO 40 000 EUR (deductible 250 EUR)
Deductible 50 EUR* (140 EUR for mobile phones, tablets, laptops) No deductible
Coverage Insurance cover applies automatically**.
Validity Valid until the expiration date of the credit card agreement for the first 3 months of the trip.
Terms

* Excess applies to insured events related to property insurance, travel itinerary changes and liability and legal assistance insurance.
** The insurance cover enters into force from the moment when the credit card agreement is concluded and remains in force as long as the credit card agreement continues in force.

  • 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
  • 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.

You can now access more than 1,000 airport lounges around the world, regardless of your airline or flight class.

  • Complimentary extra amenities at select lounges
  • Manage your visits easily in the LoungeKey™ app
  • The list of LoungeKey™ lounges available to you and further information about the program can be found on the LoungeKey™ website and app

Make the most of the comforts of the LoungeKey™ airport lounges!

To use LoungeKey, first you need to create an account.

Follow these steps to do so:

Once you have created your account, download the LoungeKey™ app, log in with your account and enjoy the benefits like:

  • Viewing the available airport lounges, seeing and tracking your visits
  • Accessing your digital card and hundreds of discount offers
  • Seeing what services the lounges offer

When you have added your card to the LoungeKey™ app, a small sum will be temporally reserved for up to 10 days to verify your card.

Lounge visit fees:

  • For Platinum card holders – 30 EUR per visit See the current fee for visiting the lounges on the LoungeKey™ website or mobile app.
  • For persons accompanying Platinum cardholder as a guest – 30 EUR per visit See the current fee for visiting the lounges on the LoungeKey™ website or mobile app.
  • The visiting fee will be charged directly to the card holder's credit card account when entering the lounge

Upon arrival at the lounge, make sure to have your Platinum credit card and open the QR code in the LoungeKey app. Your card will be swiped or scanned to register your visit.

For Extra Package holders

  • Only you as the card holder can enjoy 20 airport lounge visits per calendar year without any extra costs* with the Platinum Extra Package. From your 21st visit, the full price will apply
  • Accompanying visitors will always need to pay the full price
  • Apply for the Extra Package via Internet Banking on the “My cards” page
  • The Extra Package is an optional service and costs 171 EUR a year

Important!

Access to the airport lounges will be enabled after 48 hours from activating your new card. If then registration is still not possible, please contact us.

You can find the terms and conditions on LoungeKey.com or the mobile app.

* When registering at a lounge, the standard visiting fee of 30 EUR will be reserved but will not be debited from the credit card account. The reservation will be cancelled within ten days.

As a Platinum card holder, you can skip the queue and head straight to the airport security fast track offered by Mastercard® Airport Security Fast Track.

  • Save time: forget about long queues and time pressure*
  • Convenience: quick and easy security check
  • Comfort: enjoy a peaceful and pleasant start to your journey

The free fast-track security check service is available to cardholders until 31.12.2025.

* Shorter queuing time as compared to standard passenger queues.

To get access to booking the fast-track security check:

  1. Make sure that internet shopping is enabled for your Platinum Credit Card
  2. Register your personal account on the Mastercard Travel Experiences mobile app or website
  3. Book the fast-track security check for your upcoming airport visit

In case of urgent technical issues or uncertainties, please contact Mastercard® Travel Experiences.

  1. Open the downloaded Mastercard Travel Experiences app on your mobile phone or go to the website
  2. Choose the airport, date, time and number of travellers
  3. Receive a 100% discount on the service (for the cardholder) in the last step of booking
  4. Find the provided QR code in your email or the app
  5. Show the QR code at your flight terminal in the Fast Track area
  6. Enjoy the convenience of not waiting in the queue and quick access to airport shops, restaurants or lounges
Important! To continue using free internet worldwide provided by Mastercard® Global Data Roaming by Flexiroam after January 1, you must log in again at swedbank.flexiroam.com and obtain an activation code by email which you can use in the Flexiroam app.

Mastercard® Global Data Roaming by Flexiroam for Platinum Credit Card holders provides instant and secure internet access worldwide at no charge.

  • Fast and secure premium-quality internet connection in 200 countries via access to 520 telecom providers
  • The total amount of data per year is 5 GB of which up to 1 GB may be used in a single time for 3 successive days
  • 15% discount on all subsequent paid data roaming plans after using up the free 5 GB
  1. Make sure the Internet shopping option is activated on your Platinum credit card.
  2. To register for the service and receive a data use code, follow the link swedbank.flexiroam.com and enter the first 8 digits of your Platinum credit card number. It may take up to 15 minutes to receive the code.
  3. Download the Flexiroam App and log into the client profile created.
  4. Enter the received activation code in Got an activation code? field under Home section in Flexiroam App.
  5. Add eSIM card to your user account by following instructions in the app.
  6. Activate e-SIM in accordance with the instructions received by email.

When traveling, activate data roaming on your phone or tablet and use 5 GB of free data in a year.

Download Flexiroam X eSIM & Data Plans App:

* Terms and Conditions apply. More information on: mastercard.flexiroam.com.

Rentalcars.com

Receive 10% off all car rental bookings.

YOOX

Receive 15% discount on purchases.

Heathrow Express

Book online to receive a 12% saving on Express and Business First tickets.

HERTZ

Join Hertz Gold Plus Rewards with complimentary President’s Circle® status and up to 10% off on all bookings.

easyJet

Receive a 15% discount when signing up to easyJet Plus.

Booking.com

Get up to 10% cashback on hotel bookings in your app wallet.

Avis

Join Avis President’s Club for an even greater level of service, discounts and benefits

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)

Rentalcars.com

As an independent broker, Rentalcars.com arrange the car rental on behalf of their customers, using their massive buying power to deliver great deals.

A special offer for Mastercard World Elite card holders:

  • Get 10% off all car rental bookings

To redeem the offer, book a car on the website via rentalcars.com and pay using your Platinum credit card. Discount will be applied immediately on the checkout page.

The discount is calculated from the car rental booking price, excluding additional services and extras.

Offer valid until 01.03.2025

In collaboration with:

The promotion is not valid in conjunction with other promotions, vouchers and/or offers communicated in alternatiive channels, unless otherwise stated.

Full terms and conditions can be found here.

YOOX

YOOX is a marketplace for luxury hard-to-find clothing and accessories for men and women from the world’s most prestigious designers. YOOX brings exclusive collaborations with internationally-renowned artists allowing men and women to express their individuality through timeless and creative styles.

A special offer for Mastercard World Elite cardholders:

  • Get 15% off purcases made online at YOOX

To redeem the offer, visit YOOX Online Fashion Design Shopping and enter your email to receive a promocode (which you can use up to 5 times). To use the code, you need to register on the YOOX website or log in to your profile and enter the unique code at checkout.

Offer valid until 31.12.2025

In collaboration with:

The offer cannot be used in conjunction with temporary promotions, other YOOX discount codes or vouchers and it might not be applicable to certain items (further details in the cart on the website). There is no minimum spend requirement.

Full terms and conditions can be found here.

Heathrow Express

Experience the benefits of travelling between Heathrow and London Paddington in Express class with Heathrow Express! Place your belongings in our handy luggage racks and sit back in comfortable seats with access to a power socket and free 4G-enabled Wi-Fi. If you upgrade to Business First class, you can enjoy more leg room, wider seats, a personal table and a power socket at each seat. Business First ticket holders are now eligible to use Heathrow Airport’s Fast Track Security service.

A special offer for Mastercard World Elite card holders:

  • Book online to receive a 12% discount on Express and Business First class tickets

To redeem the offer, visit heathrowexpress.com/mastercard and enter the promotional code Mcard12 at checkout.

Offer valid until 31.12.2025

In collaboration with:

The offer is valid for online bookings and may not be used in conjunction with other discounts and/or promotions.

Full terms and conditions can be found here.

HERTZ

Join the Hertz Gold Plus Rewards programme and enjoy the following benefits:

  • Enjoy a 10% discount on worldwide rentals
  • Access a guaranteed one car class upgrade
  • Skip the counter – no waiting, no stopping, no lines
  • Expedited reservations, pick-ups and returns

Enjoy also benefits specific to President’s Circle members:

  • Get expedited Gold service at thousands of locations worldwide
  • Earn Gold Plus Rewards points for free car rental days and upgrades worldwide
  • Earn Gold Plus Rewards bonus points, and get a 25% discount on child seats

To redeem the offer, in all cases a valid Mastercard Platinum credit card must be registered as the form of payment in your Gold Plus Reward membership profile.

Valid until 31 December 2025.

In collaboration with:

Terms and conditions for rental can be found here.

easyJet

Discover an easier way to travel with easyJet Plus. For an annual fee you can benefit from a range of exclusive benefits.

Join now, and on every easyJet flight you book you will enjoy:

  • Immediate allocated seating - choose any seat on any flight at no charge
  • Dedicated bag drop desk - beat the queue on arrival at the airport
  • Fast-track security - at selected airports
  • Additional cabin bag - board with a second cabin bag (laptop/handbag)
  • Faster boarding - be the first to board and secure locker space

Signing up for easyJet Plus at https://plus.easyjet.com/ enter code EJMC001 and receive a 15% discount on your first annual premium.

Find out more about easyJet Plus here.

Offer valid until 31 December 2025.

In collaboration with:

Full details and terms and conditions are available here.

Booking.com

Booking.com seamlessly connects millions of travellers with memorable experiences, a range of transport options and incredible places to stay – from homes to hotels and much more. Booking.com is available in 43 languages and offers more than 28 million total registered accommodation listings, including over 6.2 million listings alone of homes, apartments and other types of places to stay.

A special offer for Mastercard World Elite card holders:

  • Get up to 10% cashback on hotel bookings in your app wallet.

Mastercard credit card holders can get a cashback of up to 10% on each booking credited to the cardholder’s booking wallet, which is available to registered users of the site. The cashback is credited once a booking has been confirmed. Wallet credit can either be redeemed towards a future booking.

How to use the offer:

  1. Visit the Booking.com website through provided link.
  2. Log in or register with Booking.com.
  3. Find your preferred accommodation at the travel destination.
  4. Use a valid Mastercard Platinum credit card to complete the booking.

Offer valid until 31 December 2025.

In collaboration with:

Bookings made with the Booking.com app are not eligible for this offer. Cancelled and “no show” bookings are not eligible. The chargeback will be credited within 64 days after completion of stay in the accommodation. All terms and conditions are available here.

Avis

World Elite cardholders can now enjoy complimentary Avis President’s Club membership, which includes benefits such as:

  • Priority service and priority reservations
  • Guaranteed single upgrade at airports & rail stations, single upgrades and double upgrades at weekends (subject to availability)
  • Coupon for free weekend rental after three rentals
  • Free additional driver and guaranteed car when reserved within 48 hours of pick-up
  • Up to 35% discount for AVIS car rentals

Platinum credit card holders can access Avis President’s Club benefits in 3 easy steps.

Step 1:

Register on the website http://www.avispreferred.eu/ using your email address, and enter the promotional code Mastercard World Elite*.

Each cardholder can only register once. The cardholder then completes the registration form on the following pages.

During the enrolment process, cardholders are asked to register their Mastercard Platinum Credit Card and driving license number to complete the registration.

Step 2:

Membership confirmation is sent to cardholders from Avis Preferred with their unique membership number. The details will be delivered after the first car rental.

Step 3:

To rent a car, enter membership number and book here.

Offer valid until 31.12.2025.

In collaboration with:

*Please note this cannot be used in conjunction with any other promotion.
Full terms and conditions can be found here.

Back

Take care of your safety with Travel Insurance which now includes Covid-19 insurance cover.

For trips taking place starting from 6 May 2021 we're offering a Travel Insurance Covid-19 cover without any additional fee.

Under the Travel disruption cover of the supplementary Covid-19 insurance we will compensate trip cancellation costs if, prior to the start of your trip, you have contracted Covid-19 or been identified as a close contact person of someone who is in isolation or quarantine in accordance with the nationally stipulated procedure.

The supplementary insurance is valid while abroad, if your insurance covers Medical assistance and/or Travel disruption risks, and any of the following preconditions apply:

  • You have received a negative SARS-CoV-2 RNS or antigen test result within 72 hours prior to the start of the trip. In this case the supplementary insurance is valid for 30 days.
  • You have been infected with Covid-19 within the last 6 months and you have fully recovered.
  • You have a certificate of full vaccination against Covid-19.

For example, we will compensate medical expenses related to treating Covid-19 abroad, cost of accommodation and additional transport costs if you are not allowed to travel by public transport due to Covid-19 symptoms.

Damages incurred due to travel disruptions or trip cancellation caused by actions or decisions of national authorities, including decisions related to the pandemic (such as closing borders, requiring compulsory self-isolation by persons arriving to the country) shall not be compensated.

Carefully consider the need to go abroad.

Read more

Learn more Learn more

Best choice for your purchases and occasional travels abroad.

The card comes with included travel insurance for the whole family and 180-day purchase 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?
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Ar 23.03.2021. Swedbank internetbanka vairs nav pieejama, izmantojot Internet Explorer tīmekļa pārlūkprogrammu.

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Turpmāk iesakām izmantot Google Chrome, Mozilla Firefox vai jaunāko Microsoft Edge versiju. Uzziniet, kā uz sava datora uzstādīt kādu no minētajām pārlūkprogrammām, šeit.

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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New – Micro Invest

Investing has never been easier! Enable our new solution Micro Invest and invest small amounts each time you pay with a card.

Learn more

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.