Business Debit Card

The best everyday assistant for your company

  • Convenient day-to-day payments – buying fuel, supplies, ordering raw materials, business trip costs etc.
  • Easier routine job for the company’s accountant.
  • Secure purchases both for shopping online and in regular shops.
  • Fast cash deposits and withdrawals.
  • Card purchases easy to control at any time via Internet Bank.

Suitable for all types of business purchases, including over the internet and enable your employees to use the funds in the company's account.

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

Online payments will be activated automatically in the case of renewed and replaced cards that are sent via post if this function was activated for the previous card.

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, ATM payments 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 on the Internet Bank as well can be disabled or enabled 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 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.

New debit card

Order a debit card:

  • via the Internet Bank;
  • by calling customer service line 1633;
  • in the nearest Swedbank branch.

The easiest way to order and sign an agreement is via Internet Bank

The debit card can be delivered by post to the company’s contact address with-in country.

In Internet Bank the application may be filled out by any Internet Bank user of the company. Within 7 days agreement must be signed by a person who:

  • is the company’s legal representative and has the sole right of representation according to the commercial register;
  • has logged in to Internet bank with Smart ID, Mobile ID or ID card.

Otherwise it will be irrevocably cancelled and production of the card will not start.

Delivery within 5-10 days

  • The card will be made and sent via post to the company’s contact address provided to the bank. For security reasons, we send only inactive cards by post. If card agreement is already signed then after receiving you must activate it via corporate Internet bank by user who has full access rights.
  • If card delivered to chosen Swedbank branch and agreement is already signed, then the card could be picked-up by signing person as well card holder.

Order the card

Automatically renewed card
  • Card will be automatically renewed if such order was given by client and renewing is 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 60 days before the expiry date of existing card.
  • Renewed debit 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.
  • Renewed cards will have their former PIN.
  • Renewed card can be used only after agreement is signed and card activated.

Order the card to your company's contact address

  • Sending the card via mail is free of charge within Lithuania.
  • 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.

Business Debit Card

Contactless Mastercard

Applies to cards issued from 01-10-2016.

Name of service or transaction Fee, EUR / Limit
The card is valid for 3 years
Card issuance fee1 EUR 10
Card issuance fee, where the card can be used for cash depositing transactions only1 EUR 8
Card renewal fee Free of charge
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 5.79
Delivery of card by post1:
In Lithuania Free of charge
Abroad EUR 5.79
Collection of card in a Swedbank, AB branch1, 4 EUR 1.45
Cash withdrawal
At Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia) and Swedbank (Sweden) ATMs 0.5 %, min. EUR 0.58
In branches of other banks and other than Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia) and Swedbank (Sweden) ATMs 2 %, min. EUR 2.90
In service provision points of other partners5 0.5 %, min. EUR 0.87
Cash depositing in Swedbank, AB ATM 0.07 %
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 2, 900
Maximum total monthly amount for cash depositing at ATMs of Swedbank, AB (Valid from 2018.08.01)8 EUR 15, 000
Maximum total daily amount for payments in ATMs EUR 2, 900
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 at the time of card activation.
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.
4The fee is charged only to cards issued from 01-07-2017.
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“ or „Visa Europe Services Inc“ currency exchange rate at transaction processing day and increasing the amount by value stated in the pricelist.
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, which is valid until the date of expiry of the card.

Business Credit Card

Visa

Applies to cards issued from 01-10-2016.

Name of service or transaction Fee, EUR / Limit
The card is valid for 3 years1
Card issuance fee2 EUR 15
Card renewal fee Free of charge
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 EUR 5.79
Cash withdrawal
At Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia) and Swedbank (Sweden) ATMs 2%, min. EUR 2.03
In branches of other banks and other than Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia) and Swedbank (Sweden) ATMs 2%, min. EUR 2.90
In service provision points of other partners4 2%, min. EUR 2.03
Cash depositing in Swedbank, AB ATM 0.07%
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
Maximum total monthly amount for cash depositing at ATMs of Swedbank, AB (Valid from 2018.08.01)9 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 www.swedbank.lt.
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.
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 Gold Credit Card

Visa Gold

Applies to cards issued from 01-10-2016.

Name of service or transaction Fee, EUR / Limit
The card is valid for 3 years1
Card issuance fee2 EUR 30
Card renewal fee Free of charge
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 5.79
Cash withdrawal
At Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia) and Swedbank (Sweden) ATMs 2%, min. EUR 2.03
In branches of other banks and other than Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia) and Swedbank (Sweden) ATMs 2%, min. EUR 2.90
In service provision points of other partners4 2%, min. EUR 2.03
Cash depositing in Swedbank, AB ATM 0.07%
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 credit5 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 euro6 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 insurance Free of charge
Personal travel planning Free of charge
Priority Pass card
Issuance Free of charge
Fee for use of the service7 EUR 28
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
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)
Travel insurance protection measures and insurance amounts10
Medical insurance
Treatment and transport costs EUR 500, 000
Emergency dental care EUR 200
Acquisition of additional medical aid tools EUR 200
Accident insurance
Death of the insured due to an accident EUR 10, 000
Trauma insurance EUR 10, 000
Personal belongings insurance EUR 2, 000
Travel protection insurance
Changes in route / schedule (including cancelling or discontinuation) EUR 2, 000
Change of flight ticket EUR 150
Departure delay:
For more than 4 h EUR 150
For more than 24 h EUR 300
Luggage delay for more than 4 h EUR 1, 000
Civil liability and legal assistance insurance
Civil liability EUR 20, 000
Legal assistance EUR 1, 000
Deposit EUR 3, 000

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 www.swedbank.lt.
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.
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“ or „Visa Europe Services Inc“ currency exchange rate at transaction processing day and increasing the amount by value stated in the pricelist.
7For one visit per person in the airport’s lounge.
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.
10More details about terms and conditions of insurance services are provided on the bank’s website.

Fees charged for temporary ATM card

Name of service of transaction Fee
The card is valid Until the next nearest month after the last day of the month in which a temporary ATM card was issued
Card administration fee EUR 3
Cash withdrawal in Swedbank, AB ATM in Lithuania 0.5%, min. EUR 0.58
Cash depositing in Swedbank, AB ATM in Lithuania 0.07%
Blocking the card in case it is lost Free of charge
Standard limits of transactions1
Maximum total daily amount of cash withdrawal1 EUR 870
Maximum total monthly amount for cash depositing at ATMs of Swedbank, AB (Valid from 2018.08.01) EUR 10, 000

1At the client’s request, total limits for daily transactions can be modified.

Debit Card agreement terms and conditions

Activation

If a new card is ordered via Internet Bank and received by post, then card can be activated via the Internet Bank by the company’s Internet Bank user having profile „All transactions“ to card account.

If the card is automatically renewed, or card agreement was not signed upon ordering it, card can only be activated with together with agreement signing.

Card agreement could be signed by person who:

  • is the company’s legal representative who has the sole right of representation according to the commercial register:
  • has logged in to Internet Bank with Smart ID, Mobile ID or ID card.

The card received in branch is activated by a branch employee after agreement is signed by legal representative and handed over to card holder.

Activate the card

Card Activation Instruction

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 or 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 MasterCard card foreign helpline +1 636 722 7111 (charged) or a toll-free helpline in the country of location.

PIN

In case of a new debit card, the PIN is issued in a separate envelope when you receive the card by post or 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.

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