Business Debit Card

The best everyday assistant for your company

New! Mobile contactless payments with the mobile app.
Convenient daily payments for you, less work for your accountant.
Comprehensive transaction monitoring via Internet Banking and the mobile app.
Secure purchases in stores and online.
Deposit and withdraw cash quickly.

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.

Order a debit card:

via the Internet Bank;
by calling customer service line 1633;
in the nearest Swedbank branch (pre-registration needed).

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 (for visiting the branch pre-registration via Internet bank or tel. 1633 is required).

Order the card

Card will be automatically renewed if such order was given by clientRenewing will be started 2 months before the expiry date of existing card in accordance to card agreement conditions (we renew only those payment cards that were used for purchases in the last 6 months before the specified date). You can change renewing status as well as the delivery method and address for a card via the Internet Bank not later than 2 months 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 (for visiting the branch pre-registration via Internet bank or tel. 1633 is required).
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

Name of service or transaction	Fee, EUR / Limit
The card is valid for	3 years if ordered until 2020-09-23 4 years if ordered starting from 2020-09-24
Card issuance fee¹	Until 2020-09-23 EUR 10 Starting from 2020-09-24 EUR 5 (as well applied for renewed card issuance)
Card issuance fee, where the card can be used for cash depositing transactions only¹	Until 2020-09-23 EUR 8 Starting from 2020-09-24 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 only^{2, 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 post¹	Free of charge
Collection of card in a Swedbank, AB branch¹	Until 2020-11-30 EUR 1.45 Starting from 2020-12-01 EUR 5
Cash withdrawal
At Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia) and Swedbank (Sweden) ATMs	Until 2021-01-31 0.5 %, min. EUR 0.58 From 2021-02-01 1 %, min. EUR 1
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 0.5 %, min. EUR 0.87 From 2021-02-01 1 %, min. EUR 1
Cash depositing in Swedbank, AB ATM	Until 2021-01-31 0.07 % From 2021-02-01 0.1 %
Currency Exchange fee when transaction is made not in euro⁵	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 transactions⁶
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, AB⁷	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.
⁴For more details about partners that provide cash withdrawal services for cards issued by Swedbank, AB visit website www.swedbank.lt.
⁵When 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.
⁶At the client’s request, standard daily limits of transaction and periodicity can be changed.
⁷Upon 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.

Debit Card agreement terms and conditions

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

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.

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.

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).

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

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

Business Debit Card