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Business Credit Card

Business credid cardBusiness credid card

A card enabling additional money and extra credit for company

  • 31 day interest-free period for used credit card limit.
  • Credit limit from EUR 300.
  • Order the card to be delivered to your company's contact address.
  • Mobile contactless payments - pay with your phone or supported smart watches.
  • New! Check your payment card’s PIN code and credentials in Swedbank app.
   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).
  • Transfer money and withdraw cash in ATMs directly from credit limit account.

Note. For a credit transfer or cash withdraw interest is calculated from the moment of transaction.

  • Cardholder with internet bank access to company’s bank account, linked to payment card can check the card’s PIN code, card number, expiry date, CVC/CVC2 code in Swedbank app.
  • Contactless payments with card up to EUR 50 without PIN entry. For contactless payments abroad limits can differ from country to country.
  • Paying in online stores requires the card to be registered for secure internet shopping.
  • For contactless payments with smart devices a card can be added to supported e-wallets: Apple Pay, Google Pay™, Garmin Pay or Fitbit Pay solution, or Swedbank app.

Now in our mobile app you can see a list of places where your digitized card is linked to.

Watch the tutorial

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. If you need to have more than the standard limit for cash deposits by business card, please contact us by message.
  • 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 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, 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.

In case of a positive financing decision card will be produced and delivered within 14 days.

  • By post to the company’s contact address. For security reasons, cards are sent by post inactive.
  • At any Swedbank branch of your choice. Card could picked-up in branch by legal representative as well as by card holder if the agreement is already signed by legal representative (for visiting the branch pre-registration via Internet bank or tel. +370 5 268 4422 is required).
  • Card will be automatically renewed if such order was given by client Renewing will be started on 28 th of month before the existing card expiry mont in accordance to card agreement conditions. You can change renewing status as well as the delivery method and address for a card via the Internet Bank not later than 35 days before the expiry date of existing card.
  • Renewed credit card will be delivered at least two weeks before the expiry of the old card to your company's contact address or a suitable Swedbank branch (for visiting the branch pre-registration via Internet bank or tel. 1633 is required).
  • Renewed cards will have their former PIN.

Order the card to your company's contact address

  • Sending the card by post is free of charge.
  • Make sure that your company's contact address is correct before ordering the card.
  • Your company's contact address changes automatically if you change the card delivery address.

New or renewed card delivered by post can be used only after agreement is signed and card activated. For more information check “Activation” part under “Card management” tab.

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
  • 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, which is valid until the date of expiry of the card.

documentBusiness Credit Card agreement terms and conditions

If the card is received by post:

  • If the Card Agreement is already signed, the credit card can be activated in the Internet Bank by user having minimum profile „All transactions“ to card account.
  • If the Card Agreement is not signed, the card can be activated together with agreement signing by legal representative who has 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.

Activate the card

documentCard Activation Instruction

At branch:
The card received in branch is activated by a branch employee after agreement is signed by legal representative and handed over to card holder or legal representative who, according to the commercial register is authorized to represent the company and sign the agreement.

  • 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.

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 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 Visa help centre +1 410 581 9994.

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.
  • 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).

Debit card with credit card features.

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