Navigate to main page content
Become a customer

Secure internet shopping

Enable online payments for card to be able to pay for purchases at online stores!

The online payments feature must be enabled for each card separately.

New! Now cardholder can check his payment card credentials in Swedbank mobile app.

Read more

How to pay by card at online stores

  1. Card number.
  2. Cardholder’s full name.
  3. Card expiry date.
  4. Card’s Security Code code.

* Debit / Credit designation on the front side of the card will help you understand what type of card you have: “Debit” meaning debit card and “Credit” - credit card.

Before confirming the purchase, check if the details and value of the purchase are stated accurately on the merchant’s page.

! We recommend shopping at stores with websites bearing the Mastercard Identity Check and/or Visa Secure logotypes which denote a secure purchase system.

If the merchant has joined the Mastercard Identity Check and/or Visa Secure system, then for extra safety the purchase will need to be verified via Swedbank Internet Banking.

If the store’s website doesn’t have the Mastercard Identity Check and/or Visa Secure logo, then additional verification via Swedbank Internet Banking is required.

Card payments may fail at some online stores. In such cases information about other payment options can be provided to you only by the retailer.

  1. After pressing „Continue“, log on Internet Banking by entering your user ID and confirm with Smart ID, biometrics, PIN calculator, Mobile ID or ID card.
  2. After confirming the purchase you will be redirected back to the merchant’s website.
  • Internet shopping feature may be not enabled for the card
  • The account lacks sufficient funds
  • The card’s purchase transaction limit may be too low
  • The card has expired (see the expiry date on front of the card)
  • It may be due to restrictions set by the merchant (e.g. cards of a specific type or cards issued in a specific country are not accepted)
  • Even greater security requirements under EU directive take effect from January 2021. Card payments may fail at some online stores. In such cases information about other payment options can be provided to you only by the retailer.
  • 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.
  • 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 the 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 in to discounts at merchants that seems to be too unrealistic.
  • 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.


Internet shopping settings for business payment card can be changed by user having at least all transactions profile to the card account, or a company’s legal representative having the sole right of representation according to the commercial register and has logged in to Internet bank with Smart ID, Mobile-ID or ID card.

Cardholder must enter own Swedbank username or code.

If a username or code is entered incorrectly over maximum allowed number of tries, Swedbank blocks the user account in the Internet Bank. Contact the bank for further instructions on +370 5 268 4422.

Merchants who have joined the programme will have the Mastercard Identity Check and/or Visa Secure logos in their online stores.

In which cases can card internet purchases be declined?

Since January 1, merchants are required to provide secure internet shopping. Otherwise, the transaction can be declined. The requirements apply to all European merchants and card issuers. The changes are aimed at making online shopping even more secure for customers - reducing the fraud risks, ensuring the confidentiality of the user data.

Since some online stores may not be able to prepare properly, in order to avoid inconvenience for customers who pay with a card online, Lithuania has a transitional period of 3 months. This means that in January customer card transactions in online stores will not be rejected if they do not exceed 500 EUR, in February - 250 EUR, in March - 100 EUR. Exceeding these limits, and from April - regardless of the amount, online card purchase may fail if the online store is not ready to request payment with strong customer authentication.

What should I do if my purchase is declined?

If a transaction has been declined because the merchant is not compliant with the PSD2 and other legal requirements, the bank can’t help the transaction to go through successfully in any way. In such a case, only the retailer itself can provide information to customers about other payment options if there are any. We urge to always make sure that the internet shop and the retailer are safe!

To which countries do the PSD2 requirements apply?

The PSD2 legislation applies to all countries within the European Economic Area.

Will this requirement apply to online stores registered in the USA, China or UK?

No, the PSD2 requirements are only binding for the merchants registered in the EU and EEA. However, bear in mind that many large stores and shopping platforms have subsidiaries registered in the EU.

How can I check weather a transaction will be successful in the particular internet shop?

One of the options is to look for the Secure Shopping logotype on the merchant’s website.

However, keep in mind that a transaction can also be successful in situations when merchant’s website doesn’t have such a logotype. You can also check if the merchant provides other payment methods. We urge to always make sure that the internet shop and the retailer are safe!

What exactly are those new requirements?

The PSD2 directive expands the range of cases when internet (online) purchase must be strongly authenticated (using Smart-ID, biometrics, PIN generator, mobile-ID or ID-card) and at the same time sets exceptions when the strong authentication may be not applied.

Are these changes applicable only for private cards or corporate ones too?

They are applicable for all cards, both private and corporate.


Provide the better shopping experience for your customers.

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

- 20 %

20% discount on home delivery or delivery to selected post offices in your country.

60 days free

Swedbank clients can manage workforce for free for 60 days. After that – 50% discount for 6 months.

- 23 %

Design a website and start your e-commerce with in a very simple way. A 23% discount on the e-shop rental.

Swedbank logo

Jūsų Internet Explorer naršyklė nebepalaikoma.

Prašome naudoti Google Chrome, Mozilla Firefox ar Microsoft Edge naršykles.

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.

  • Jūsų įrenginio operacinė sistema ir interneto naršyklė yra pasenusi ir nėra palaikoma Swedbank interneto banke. Prašome atnaujinti operacinę sistemą bei interneto naršyklę arba kreiptis į IT specialistus techninės pagalbos.
  • The operating system of your device & your browser are too outdated to be supported by Swedbank Internet Bank. Please, update the operating system & browser or turn to IT specialist for technical help.
  • Ваш браузер или операционная система недостаточно современны для использования в интернет банке Swedbank. Пожалуйста обновите операционную систему и браузер или обратитесь за технической помощью к ИТ специалисту.

You have been logged out from Internet bank

For extra security close the browser window. If you wish to continue using Internet bank, please log in again.

We invite you to the final Business Academy event on 23 May

  • Lessons learnt by participants
  • Report by Agency “NEW!” and “SuperYou” partner - Tomas Ramanauskas
  • Networking session