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Business Credit Card

A card enabling additional money for your company that can also be used to pay bills

  • New! Mobile contactless payments with the mobile app.
  • Make transfers via Internet Bank and Mobile app directly from your credit card account.
  • Paying for goods and services, including at online stores.
  • Deposit money into your company’s account via Swedbank’s ATMs across Lithuania.

From now on, the card issuance fee is only 5 EUR

Apply for card   Comparison of bank cards

Information regarding potential risks

Improper fulfilment of your financial obligations increases your funding costs and can negatively affect your credit history; moreover, if the agreement is terminated due to a material violation on your side, forced debt recovery may be launched and you may lose your ownership right to the pledged property.

A credit limit of 300-15 000 €.

There is an interest-free period of up to 31 days (from the purchase until the payment date) when paying by card. Interest is calculated from the moment you make a credit transfer or withdraw cash from your credit card account.

It is important for shopping online to be convenient and secure. In order to pay with the card online you must activate Secure Internet Shopping.

Activate Secure Internet Shopping

Several cards can be ordered and linked to a single account for employees.

Individual usage limits and rights can be set and modified via Internet Bank and Mobile Bank for each cardholder:

  • Allow or disable various card transactions like payments (including contactless), withdrawals, deposits can the Internet Bank user having profile „All transactions and ageements“ to the card account or a company’s legal representative having the sole right of representation according to the commercial register.
  • Contactless functionality can be disabled or enabled on the Internet Bank as well by a user having profile „All transactions“ to the card account.

The contactless card enables you to make purchases up to a value of 50 € without having to enter your PIN. You only need to tap the card against the payment terminal.

Contactless payments will also work abroad, limits can differ from country to country.

Contactless payment feature can be enabled or disabled. The change will take effect after one payment confirmed with PIN. If you accidentally tap the terminal two or more times, only the first tap is registered.

Time to time some smaller purchases will still need to be confirmed using your PIN.

  • The card can only be issued to companies that have operated for at least six months.
  • When applying for a credit card, you must specify the desired credit limit, card holder(s), purchase and cash withdrawal limits.
  • Depending on the company’s turnover and credit history, the minimum credit limit is 300 € and the maximum 15 000 €.
  • Please be aware that during limit granting process some additional documents could be requested. For example your last annual report if it is not submitted to the commercial register. The submitted balance and income statement must not be older than 12 months.
  • The card will be delivered to a branch of your choice within up to 5-10 business days.
  • The agreement must be signed by legal representative and after that the card could picked up in branch by card holder (for visiting the branch pre-registration via Internet bank or tel. 1633 is required).

Business Credit Card

Valid for Visa and Mastercard cards

Starting from 2020-09-24 Mastercard cards are ordered and issued

New Visa credit cards are not ordered and issued from 2020-09-24, and cards which expire or be lost/stolen will be renewed/replaced only to Mastercard credit card.
Name of service or transaction Fee, EUR / Limit
The card is valid for 3 years1
Card issuance fee2 Until 2020-09-23 EUR 15
Starting from 2020-09-24 EUR 5 (as well applied for renewed card issuance)
Monthly card administration fee3 EUR 3
Replacement of card in case it is lost or damaged. Change of the card and PIN code at the customer’s request 5
Cash withdrawal
At Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia) and Swedbank (Sweden) ATMs Until 2021-01-31 2 %, min. EUR 2.03
From 2021-02-01 2 %, min. EUR 2
In branches of other banks and other than Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia) and Swedbank (Sweden) ATMs Until 2021-01-31 2 %, min. EUR 2.90
From 2021-02-01 2 %, min. EUR 3
In service provision points of other partners4 Until 2021-01-31 2 %, min. EUR 2.03
From 2021-02-01 2 %, min. EUR 2
Cash depositing in Swedbank, AB ATM Until 2021-01-31 0.07 %
From 2021-02-01 0.1 %
Checking the account balance at ATMs (which have this technical capacity) Free of charge
Credit limit
Granting of credit limit Free of charge
Credit limit interest rate 18 %
Deadline for repayment of used credit The 1st day of the next month
Period for free of charge credit5 Until the nearest credit repayment date
Share of the used credit that must be repaid on a monthly basis 0 % or 5 %6
Minimum amount of credit limit EUR 300
Currency Exchange fee when transaction is made not in euro7 2,45 %
Change of PIN code in Swedbank, AB ATM Free of charge
Blocking of lost card Free of charge
Unblocking card, when it was blocked due to non-repaid used credit EUR 5.79
Security programme Free of charge
Receipt of an invoice copy at the customer’s request:
For payments by card in Lithuania EUR 1.45
For payments by card abroad EUR 5.79
Standard limits of transactions8
Maximum total daily amount for payments by card for goods and services EUR 8, 700
Maximum total daily amount for cash withdrawal EUR 2, 900
For cards ordered starting from 2021-02-01 EUR 1,400
Maximum total monthly amount for cash depositing at ATMs of Swedbank, AB9 EUR 15, 000
Security programme terms and conditions
Period of time for reporting about card blocking 24 hours
Maximum amount of loss a bank client is not compensated EUR 28.96
Maximum amount of loss a bank client is compensated Standard daily limit of transactions (payment for goods and services)

1All other issued cards linked to the same credit limit account shall have the same expiry date as the first issued card. For this reason, if a new card is issued at a later date, its period of validity will be less than 3 years.
2The fee is deducted from the client’s bank account at the time of card activation.
3Monthly card administration fee is deducted from the client’s bank account for the current month on the 15th day of every month after the activation of a new or renewed card.
4For more details about partners that provide cash withdrawal services for cards issued by Swedbank, AB visit website
5It is a period during which no interest rate is paid for unused funds of the credit which were paid for purchases and services by paying by card. This period is set from the moment the funds of the credit are debited to the nearest date of credit repayment.
6To be set individually.
7When card transaction is made in currency other than euro (including a cash-out with a card), conversion to euro is being calculated using „Mastercard International“ or „Visa Europe Services Inc“ currency exchange rate at transaction processing day and increasing the amount by value stated in the pricelist. The currency exchange calculator provided here can be used to calculate exchange fees.
8At the client’s request, standard daily limits of transaction and periodicity can be changed. Transactions in the credit limit account without using a card are subject to the limits of transactions specified in the Agreement on the Provision of Electronic Services.
9Upon the Bank’s approval, a bigger than standard limit for depositing cash at ATMs of Swedbank, AB may be set, which is valid until the date of expiry of the card.

Business Credit Card agreement terms and conditions

Repayment and statement
  • Card purchases have an interest free period of up to 31 days Calculation will start from the time of purchase until the 1st date of the following month.
  • Any credit limit spent and not repaid by the 1st date is automatically transferred from the current account linked to the credit card. Interest starts to accrue if the current account lacks funds for automatic repayment of the whole amount used.
  • If a mandatory regular payment (5% of the credit limit) is set forth in the agreement, it will be transferred from the current account and interest will accrue on the outstanding credit limit.
  • Optionally, you can pay additional own funds into the credit card account to increase the limit available on the card, or repay the outstanding limit at any time.
  • In order to obtain complete information about the transactions, one must take account of the statuses assigned to each type of transaction. Details of all transactions already debited are available in the credit card’s account statement, whereas purchases that have the interest-free period are in the list of the same account’s reservations.
Card blocking and closing

If you suspect you have lost your card, you can temporarily disable it via the Internet Bank or through our mobile app (Android only). You have 10 days to reopen your card if you should find it or it will be automatically closed.

If a bank card is stolen, it must be closed immediately. You could do it by yourself in Internet Bank in case You are Internet Bank user and have access rights to card’s servicing account. Or you could do it by calling our business client consultation center on by short number 1633 or at any time (8 5) 268 4820. From abroad you can call by number +370 5 268 4422 or +370 5 268 4820.

If your card is lost or stolen abroad and you are unable to contact us, you can block the card by calling the 24-hour Visa help centre +1 410 581 9994.


In case of a new credit card, the PIN is issued in a separate envelope when you collect it at branch.

Renewed cards will have their former PIN.

If you would like to secure PIN then you can change it in Swedbank ATMs in Lithuania.

In security reasons it is allowed to insert PIN wrongly only 2 times. After 3rd time PIN will be automatically blocked:

  • If you block your PIN in POS then you can unblock it in ATM by inserting the correct one in first time.
  • If you block your PIN in ATM or can’t remember the PIN, you need to order the new card.
Disputing card transactions

You can dispute a card transaction sending the bank message, call to consultation center +370 5 268 4422 or turn to nearest branch if:

  • you discover that your account statement includes transactions for which you did not aware of or not reach an agreement with the merchant or service provider.
  • an ATM fails to make a deposit or a withdrawal. For instance, in cases when an ATM does not issue cash upon withdrawal, but the sum is debited from the account or when a deposit is not added to your account.

You should apply to the bank no later than within 60 days after transaction date by filling application.

Note! If You will apply later Bank has a right to reject application and not to initiate investigation.

More information: General rules of claims investigation in Swedbank.

Your company's financial security is one of Swedbank's top priorities. We encourage you to be responsible users of payment cards and to observe the security conditions for payment cards usage.

  • Only the cardholder - the person whose name appears on the card - may use the card. Do not let anyone, even a close person, to use the card issued in another person’s name.
  • Make sure that you as a cardholder always know where your payment card is.
  • If you pay by card, do not let the person serving you take it to a back room on their own because card data may be stolen.
  • Always check the transaction amount that you approve with the card.
  • Check card transactions regularly via Business Internet Banking or the Swedbank mobile app. If any transaction seems suspicious, please contact the bank immediately.
  • It is not recommended to send card number by post or disclose it over the telephone when making a purchase because card data may be misused for fraudulent transactions but, if there are no other options, please be extra careful.
  • Be careful when using the ATMs of other banks. Some ATMs return payment card before dispensing the money. Make sure that you collect your payment card and the requested amount of cash before you leave the ATM.
  • When a cardholder gets a new card, they will also receive a PIN that is known only to them. Renewed cards will keep their former PIN.
  • Do not tell or show the PIN to anyone, not even to bank employees.
  • Memorise it, do not write down the PIN on the card or anywhere else where it can be seen by others.
  • For payment approval, try to enter the PIN so that no one else can see it. The card can be stolen and be used by somebody else. If the card with PIN code is used by a thief, it is the customer’s own responsibility.
  • If you suspect that the PIN has become known to someone else or if the bank has notified you of the need to change your PIN, the cardholder must change it immediately. It can be done at any Swedbank ATM. When selecting new PIN, do not re-use your old PIN.
  • Do not use identical PIN codes for different cards for the ease of memorising them.
  • If a payment card is lost or stolen, it must be closed immediately. This can be done on your own Internet Bank or the mobile app, by calling our business client consultation center on short number 1633 or at any time (8 5) 268 4820. From abroad you can call the number +370 5 268 4422 or +370 5 268 4820. For security reasons, we advise cardholders to keep Swedbank's phone numbers in their phone's memory.
  • If your card is lost or stolen abroad and you are unable to contact us, you can block the card by calling the 24-hour MasterCard card foreign helpline +1 636 722 7111 (charged) or VISA card 24h international assistance line on +1 410 581 9994 (charged).

Debit card with credit card features.

A card enabling additional money and secure travel for your company.

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Nuo 2021 03 23 nebebus galima jungtis prie „Swedbank“ interneto banko naudojantis naršykle „Internet Explorer“.

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Siūlome Jums naudotis naršyklėmis „Google Chrome“, „Mozilla Firefox“ ar naujausia „Microsoft Edge“ versija. Norėdami sužinoti, kaip įdiegti naršykles spauskite čia.

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