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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)
  • How do I activate my new or renewed card?

    New card

    It can be activated in two ways:

    • Internet Banking – go to “Cards” > “My cards” > “Activate”.

    Important! The card’s PIN will be shown on the Internet Banking site upon activation. Remember the PIN as it will not be shown again.

    • Mobile app – go to “Cards” > “Activate card”.

    You can view your PIN in the mobile app at any time.

    Renewed card

    If the card has been renewed and has the same PIN as the previous card, it can be activated in four ways:

    • At a retail outlet – insert your card into the reader and enter your PIN when paying for purchases.
    • In ATMs – insert your card into an ATM and perform one of the usual operations (e.g. view your account statement, withdraw cash).
    • Internet Banking – go to “Cards” > “My cards” > “Activate”.
    • Mobile app – go to “Cards” > “Activate card”.
  • Can I get my renewed card by post and how?

    Change the delivery method in “My cards” section of the Internet Banking site, click on “Change card delivery”.

  • Why can’t I activate the card I’ve received by post via Internet Banking?
    • If not activated via Internet Banking, new cards are automatically closed after 60 days.
    • Renewed cards are closed automatically upon lapse of 30 days after expiration of the old card if not activated via Internet Banking.
  • What documents are necessary for collecting my card at branch?

    An identity document – passport or ID card.

  • What documents are necessary for collecting my child’s card?

    To collect a new or renewed debit card in your child’s name, you’ll need to present your identity document (passport or ID card) and proof of custody (the child’s birth certificate or passport with record of the child’s data).

    If the child has a passport or ID card, then it also needs to be presented if you’re collecting the card together with the child.

    To collect the ISIC scholar card, also the schoolchild certificate or a letter from educational institution will need be to be presented in addition to the above.

  • May other person collect the card on my behalf at branch?

    Yes, a card may be issued to other person if you’ve taken out one of the following for that person:

    • bank’s power of attorney (this is available at any Swedbank branch)

    or

    • a notarized power of attorney
  • How to block a payment card?

    A card can be blocked for up to 10 days:

    • via the Swedbank mobile app, under “Cards” by switching the setting from “Active” to “Blocked”
    • on the Internet Banking site in section “Cards” > “My cards” by clicking on “Block the card”
    • by calling the bank on 67 444444.

    You can unblock the card within 10 days from blocking the card. If you don't unblock the card, it will automatically be closed after 10 days.

    If you current card is blocked because it has been lost or is not working, you can replace the card via the internet banking site ("Cards" > "My cards") or in the mobile app ("Cards") by choosing "Replace card".

  • How can I activate a blocked card?

    The card can be re-activated within 10 days since blocking:

    • in the Swedbank mobile app, under “Cards” by switching the setting from “Blocked” to “Active”
    • on the Internet Banking site in “My cards” section by clicking on “Activate the card”
  • How can I order a new card?

    Order a new card (if you currently don’t have a Swedbank card or you wish to order an additional card) in Internet Banking under “Cards”. Then choose “Debit cards” or “Credit cards” according to your needs.

    If you already have an active or inactive Swedbank card which needs to be replaced due to being lost, because you’ve forgotten your PIN code or for another reason, you can order a replacement in Internet Banking under “Cards”>“ My cards”>“Replace card”.

    In the replacement process, the new debit card will be produced with a new expiry date and a new PIN. A credit card will be renewed for the existing period but with a new PIN.

  • Do I have to order a new card if my current card expires soon?

    No, the card will be renewed automatically two months before expiry date of your existing card. A new card will be made for you and delivered to the branch/by post to the address that you indicated as the location for receiving the card.

    In cases when the credit card is not renewed, we notify the customer 2 months before the credit card expiry date by an Internet Banking message, text message or postal letter.

  • How to get a renewed card before the expiry date of my current card?

    If your current card has been lost or is not working, you can apply for a card replacement before the expiry date of your current card. You can do it in our app under “Cards” by choosing “Replace card” or in the internet banking site under “Cards" > “My cards” > “Replace card”. When you activate the replacement card, your old card will automatically be closed.

    If card replacement function is not available, you will need to order a new debit card or apply for a new credit card.

  • What to do if I don’t want to renew the card?

    On the Internet Banking site in “My cards” section, click the “Change limits” button and select “No” next to the card renewal option and click “Forward” to confirm changes in the Card Agreement with the Smart-ID or PIN calculator.

    If you do not want to renew your credit card, contact bank.

  • What is the expiry date of my card?

    The month and year until which the card is valid are shown on the card. The card will be usable until the last day of the month.

  • What to do if I’ve made a mistake in ordering a card or have ordered it twice via Internet Banking?

    If you’ve ordered another card while the current one is still valid, you have two options:

    • when you receive the card, activate it and your current card will be closed automatically.
    • when you receive the card, do not activate it and it will be closed automatically after 60 days.
  • Is it possible to order a card for delivery abroad?

    Yes. The card will be delivered within approximately 3 weeks to your specified address outside Latvia using international postal services.

  • How to order a card for another person for my account?

    To order a card for another person to be used with your account, visit a branch together with the person who will be using the card. Book a visit first. Bring both of your passports and/or ID cards.
  • What do to if a card purchase that I haven’t made shows up in the account statement?

    Fill in the form in the “Bank Messages” section with the topic “Claim regarding unauthorized card transaction (not performed by me). Fill in the required fields and send the message.

    Important! It is necessary to block the card with which an unauthorized transaction was performed in the “My cards” section of the Internet Banking or by calling 67 444 444.

    For information: the card with which the unauthorized transaction was performed needs to be closed.

  • What to do if the account has been debited for an incorrect purchase amount?

    Fill in the form in the “Bank Messages” section, specifying the “Claim regarding unauthorized card transaction (not performed by me)” topic, select the reason for the claim “Transaction amount is incorrect”. Fill in the required fields and send the message.

    For information: a transaction supporting document with a correct amount must be submitted to the bank.

  • What to do if the purchase amount has been reserved/debited twice?

    Fill in the form in the “Bank Messages” section, specifying the “Claim regarding unauthorized card transaction (not performed by me)” topic, select the reason for the claim “Transaction amount reserved/debited more than once”. Fill in the required fields and send the message.

    For information: a transaction supporting document with a correct amount must be submitted to the bank.

  • What to do if the purchase has been paid for in cash or otherwise?

    Fill in the form in the “Bank Messages” section, specifying the “Claim regarding unauthorized card transaction (not performed by me)” topic, select the reason for the claim “Paid for in cash or otherwise”. Fill in the required fields and send the message.

    For information: a cash payment receipt must be provided to the Bank.

  • What to do if the product / service I’ve paid for by card has not been delivered?

    Fill in the form in the “Bank Messages” section, specifying the “Claim regarding unauthorized card transaction (not performed by me)” topic, select the reason for the claim “Product / service not received”. Fill in the required fields and send the message.

    For information: correspondence with the service provider / merchant must be provided to the Bank.
  • What is the amount of money I can withdraw from ATM?

    The ATM can dispense up to 850 EUR at a time. If you need more than 850 EUR, insert the card in the ATM again and make another withdrawal. The monthly limit on cash withdrawals for private individuals is 7500 EUR for all cards linked to the customer’s accounts in the aggregate. The limit does not apply to companies.

  • How many banknotes can be deposited via ATM at a time?

    Depending on the ATM type, up to 30, 50 or 100 banknotes can be deposited at a time. Please see up-to-date information on the cash machine.

  • Can I withdraw money from my account if the account is blocked (for debt collection)?
    Yes. It is possible to withdraw money from such an account if the law enforcement officer (bailiff) has permitted cash withdrawals from the account. Cash withdrawals are available at Swedbank ATMs only. Card purchases and transfers from such an account are not permitted.
  • What to do if the requested amount of money has not been received in ATM?

    You need to send us a message via Internet Banking.

    1. Log in to Internet Banking.
    2. Click on the message symbol at the top of the page.
    3. Select “Write new message”.
    4. Choose the topic “Claim regarding other type of card transaction”.
    5. Choose the claim reason “Money not received”.
    6. Fill out the required fields and send the message.
  • What to do if only part of the requested amount of money has been received in ATM?

    You need to send us a message via Internet Banking.

    1. Log in to Internet Banking.
    2. Click on the message symbol at the top of the page.
    3. Select “Write new message”.
    4. Choose the topic “Claim regarding other type of card transaction”.
    5. Choose the claim reason “Partial amount received”.
    6. Fill out the required fields and send the message.
  • What to do if ATM cash deposit has been unsuccessful?

    You need to send us a message via Internet Banking.

    1. Log in to Internet Banking.
    2. Click on the message symbol at the top of the page.
    3. Select “Write new message”.
    4. Choose the topic “Claim regarding other type of card transaction”.
    5. Choose the claim reason “Unsuccessful cash deposit”.
    6. Fill out the required fields and send the message.
  • When is the amount debited from the account for ATM transactions?

    • In Swedbank’s ATMs:

      • In case of transactions with a debit card issued by Swedbank or a contactless transaction with a physical card, the transaction is debited immediately.
      • In case of contactless transactions with Google Pay, Apple Pay, Garmin Pay or other e-wallets, the transaction is debited within 1–2 business days.

    • In ATMs of other banks:

      • If cash is withdrawn in the ATMs of other banks with a physical card or e-wallet, the amount of that transaction is debited from the account within 2 business days.
 Cash can be withdrawn at Swedbank merchants’ retail locations marked with the sticker “Cash withdrawal” (“Skaidras naudas izmaksa pie tirgotāja”). Cash withdrawal is executed as a transaction accompanying a purchase at the retail location. The minimum amount of the purchase is EUR 5 and the cash withdrawal may be in an amount from EUR 5 to EUR 100. The bank does not charge any fee for this transaction, however, the merchant may choose to do so.

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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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

Swedbank
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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

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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.