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Business Debit Card

Contactless Mastercard

Name of service or transaction Fee, EUR / Limit
The card is valid for 4 years
Card issuance fee1 EUR 5 (as well applied for renewed card issuance)
Monthly card administration fee2 EUR 2
Monthly card administration fee, where the card can be used for cash depositing transactions only2, 3 EUR 0.50
Replacement of card in case it is lost or damaged. Change of the card and PIN code at the customer’s request EUR 5
Delivery of card by post Free of charge
Collection of card in a Swedbank, AB branch EUR 5
Urgent card delivery4 EUR 30
Cash withdrawal
At Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank AB (Sweden) ATMs, in service provision points of other partners5 and BANKOMATAS.LT ATMs 2 %, min. EUR 2
In branches of other banks and other than Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank AB (Sweden), BANKOMATAS.LT ATMs 2 %, min. EUR 3
Cash depositing in Swedbank, AB ATM 0.1 %
Currency Exchange fee when transaction is made not in euro6 2,45 %
Checking the account balance at ATMs (which have this technical capacity) Free of charge
Payment of invoices in Swedbank, AB ATM Free of charge
Change of PIN code in Swedbank, AB ATM Free of charge
Blocking of lost card Free of charge
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 transactions7
Maximum total daily amount for payments by card for goods and services EUR 8, 700
Maximum total daily amount for cash withdrawal EUR 1,400
Maximum total monthly amount for cash depositing at ATMs of Swedbank, AB8 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)
  • 1The fee is deducted from the client’s bank account after card activation irrespective to delivery method.
  • 2Monthly 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.
  • 3If a card which could be used for cash depositing transactions only is granted the right to perform other transactions in the Swedbank internet bank for corporate customers or in the bank’s office as well (for instance, cash withdrawal, payment for goods and services, etc.), in such case, the card will be subject to a monthly card administration fee.
  • 4For urgent card delivery, standard card issuance or replacement of card fee applies and fee for collection of card in a Swedbank, AB branch additionally. Depending on the method of card delivery chosen by the customer: by courier or in the branch. The card will be delivered to the bank's branch or to the address indicated by the customer in Lithuania by a courier:
    • on the next working day, if the card was ordered before 1:00 p.m.;
    • within two working days, if the card was ordered after 1:00 p.m.;
    • a new credit card, when the credit limit has not yet been granted, after the decision on granting the credit limit has been made.
  • 5For more details about partners that provide cash withdrawal services for cards issued by Swedbank, AB visit website www.swedbank.lt.
  • 6When 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“ 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.
  • 7At the client’s request, standard daily limits of transaction and periodicity can be changed.
  • 8Upon the Bank’s approval, a bigger than standard limit for depositing cash at ATMs of Swedbank, AB may be set.

documentDebit Card agreement terms and conditions

Business Credit Card

Contactless Mastercard

Name of service or transaction Fee, EUR / Limit
The card is valid for 3 years1
Card issuance fee2 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
Delivery of card by post Free of charge
Collection of card in a Swedbank, AB branch EUR 5
Urgent card delivery4 EUR 30
Cash withdrawal
At Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank AB (Sweden) ATMs, in service provision points of other partners5 and BANKOMATAS.LT ATMs 2 %, min. EUR 2
In branches of other banks and other than Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank AB (Sweden), BANKOMATAS.LT ATMs 2 %, min. EUR 3
Cash depositing in Swedbank, AB ATM 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 credit6 Until the nearest credit repayment date
Share of the used credit that must be repaid on a monthly basis 0 % or 5 %7
Minimum amount of credit limit EUR 300
Currency Exchange fee when transaction is made not in euro8 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 transactions9
Maximum total daily amount for payments by card for goods and services EUR 8, 700
Maximum total daily amount for cash withdrawal EUR 1,400
Maximum total monthly amount for cash depositing at ATMs of Swedbank, AB10 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 after card activation irrespective to delivery method.
  • 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 urgent card delivery, standard card issuance or replacement of card fee applies and fee for collection of card in a Swedbank, AB branch additionally. Depending on the method of card delivery chosen by the customer: by courier or in the branch. The card will be delivered to the bank's branch or to the address indicated by the customer in Lithuania by a courier:
    • on the next working day, if the card was ordered before 1:00 p.m.;
    • within two working days, if the card was ordered after 1:00 p.m.;
    • a new credit card, when the credit limit has not yet been granted, after the decision on granting the credit limit has been made.
  • 5For more details about partners that provide cash withdrawal services for cards issued by Swedbank, AB visit website www.swedbank.lt.
  • 6It 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.
  • 7To be set individually.
  • 8When 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“ 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.
  • 9At 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.
  • 10Upon the Bank’s approval, a bigger than standard limit for depositing cash at ATMs of Swedbank, AB may be set.

documentBusiness Credit Card agreement terms and conditions

Business Gold Credit Card

Contactless Mastercard

Name of service or transaction Fee, EUR / Limit
The card is valid for 3 years1
Card issuance fee2 EUR 15 (as well applied for renewed card issuance)
Monthly card administration fee3 EUR 10
Replacement of card in case it is lost or damaged. Change of the card and PIN code at the customer’s request EUR 5
Delivery of card by post Free of charge
Collection of card in a Swedbank, AB branch EUR 5
Urgent card delivery4 EUR 30
Cash withdrawal
At Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank AB (Sweden) ATMs, in service provision points of other partners5 and BANKOMATAS.LT ATMs 2 %, min. EUR 2
In branches of other banks and other than Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank AB (Sweden), BANKOMATAS.LT ATMs 2 %, min. EUR 3
Cash depositing in Swedbank, AB ATM 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 15%
Deadline for repayment of used credit 10th day of the next month
Period for free of charge credit6 Until the nearest credit repayment date (until the 41st day)
Share of the used credit that must be repaid on a monthly basis 0%
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
Travel insurance8 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 transactions9
Maximum total daily amount for payments by card for goods and services EUR 8,700
Maximum total daily amount for cash withdrawal EUR 1,400
Maximum total monthly amount for cash depositing at ATMs of Swedbank, AB10 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 after card activation irrespective to delivery method.
  • 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 urgent card delivery, standard card issuance or replacement of card fee applies and fee for collection of card in a Swedbank, AB branch additionally. Depending on the method of card delivery chosen by the customer: by courier or in the branch. The card will be delivered to the bank's branch or to the address indicated by the customer in Lithuania by a courier:
    • on the next working day, if the card was ordered before 1:00 p.m.;
    • within two working days, if the card was ordered after 1:00 p.m.;
    • a new credit card, when the credit limit has not yet been granted, after the decision on granting the credit limit has been made.
  • 5For more details about partners that provide cash withdrawal services for cards issued by Swedbank, AB visit website www.swedbank.lt.
  • 6It 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.
  • 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“ 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.
  • 8More details about terms and conditions of insurance services are provided on the bank’s website.
  • 9At 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.
  • 10Upon the Bank’s approval, a bigger than standard limit for depositing cash at ATMs of Swedbank, AB may be set.

Business Gold Credit Card agreement terms and conditions

Insurance terms and conditions

Travel insurance product information document

Terms of use of LoungeKey™ and Mastercard® Global Data Roaming by Flexiroam services

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.
  • Check your card’s PIN code in the Swedbank app. Its will help, if you forget your original PIN or cannot remember it after changing. Your PIN code cannot be accessed by anyone else, not even by bank employees – it is ensured by a special solution, meeting highest security standards of PCI DSS.
  • A cardholder receive a new card and also a PIN in a separate envelope 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.

For security reasons, PIN may be entered incorrectly only twice. After the third time, the card will automatically be blocked:

  • If the card is blocked in POS terminal, it may be unblocked in Swedbank ATMs by entering correct PIN at first attempt.
  • If the card gets blocked in ATM , it can be unblocked via the Internet Bank for Business.
  • If the card was stolen, it must be blocked immediately. You can do it by yourself on Swedbank’s Internet Bank for Business, using mobile app or by calling +370 5 268 4422.
  • 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).
Two small business owners. A man holds a finished product, a woman a tablet.

Mastercard® Business Bonus

From time-saving solutions to special travel discounts – more benefits for your business with Mastercard Business Bonus program!

  • Complete your business tasks easier.
  • Optimise processes and improve your operational management.
  • Benefit from discounts on bookings and car rentals.
 More about the program

Joining the program is free of charge, no need to register nor share personal information. Just use your Swedbank business card!

Using cash not only brings environmental issues but also may support the shadow economy. Take a sustainable step for everyone - choose e-payments over cash. You'll be more environmentally friendly, ensure payment transparency and save time by simplifying your cash management.
  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: European Central Bank

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)

Useful information

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.

Starting from 6 May 2021 we're offering for trips Travel Insurance with Covid-19 cover for Business Gold Credit Card holder and 3 colleagues travelling with him/her at no additional charge. It provides more comprehensive risk coverage and protection from unexpected costs. The Covid-19 cover is automatically valid for insured person if any of the preconditions met:

  • negative Covid-19 test within 72 hours prior to the start of the trip
  • confirmation that you have been infected with Covid-19 within the last 6 months and you are recovered
  • Full vaccination certificate

Preconditions are not needed if trip is cancelled due to Covid-19 sickness or self-isolation before the trip.

For example, we will compensate Covid-19 related medical expenses abroad, if insured person needs medical assistance. Or travel cancellation costs before the trip if insured person: has received a positive coronavirus test, or he/she is a close contact person and have to stay in isolation (quarantine).

Travel disruption caused by authorities (e.g. closed borders, lockdowns) is not covered even in case of pandemic/epidemic.

Carefully consider whether traveling abroad is needed.

For more information read:
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Nuo 2021 03 23 nebebus galima jungtis prie „Swedbank“ interneto banko naudojantis naršykle „Internet Explorer“.

Taip pat nebebus galima tvirtinti ar vykdyti mokėjimų iš „Swedbank“ kituose tinklalapiuose naudojantis „Internet Explorer“.

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

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.

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More conversions for your e-shop!

  • The most popular payment methods with no monthly fee.
  • Fast payment options for your customers.
  • Easy integration by using plugins, „Cloud“ platforms or API.
Learn more

Contacts

verslas@swedbank.lt

„Swedbank”, AB
"Swedbank", AB
Įmonės kodas 112029651
Adresas: Konstitucijos pr. 20A, LT-03502 Vilnius
SWIFT code HABALT22
Legal entity code: 112029651

Useful links

Legal information

This is Internet Banking site of companies offering financial services - „Swedbank“ AB, Swedbank lizingas UAB, Swedbank investicijų valdymas UAB, Swedbank P&C Insurance AS Lithuanian branch, Swedbank Life Insurance SE Lithuanian branch. Before signing any agreement read the terms and conditions of the respective service.