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A card for your everyday banking needs

Swedbank’s contactless payment cards allow you to:

  • pay for small purchases faster and easier;
  • make online purchases;
  • make savings with each card purchase.
  • New! You can now check your payment card details directly in our app.

Contactless Debit Mastercard

  • Pay at retail locations and online worldwide*.
  • Have your new card delivered by post to an address of your choice.
  • Get a new debit card within 14 days.
  • Card can be ordered by teenagers from the age of 14.
  • Have a safer & more convenient e-shopping experience.
  • All newly issued Debit Mastercard cards are made of recycled plastic!
  • New! You can now check your card’s PIN code in Swedbank app.
  • New! From now on, contactless Debit Mastercard card is issued with a new design element – a cut-out on the edge of the card, which will make it even easier to identify the right card.
  • New! You can now check your payment card details directly in our app.

*If the merchant accepts this type of payment card

More

Contactless Mastercard WEB

  • Cards can be issued to participants of the Youth programme.
  • You can make contactless payments.
  • The card is safe to use, because it is subject to the terms and conditions of the Security
  • Cards can be ordered from the age of 6.
  • New! From now on, contactless Mastercard WEB card is issued with a new design element – a cut-out on the edge of the card, which will make it even easier to identify the right card.
  • All newly issued Contactless Mastercard WEB cards are made of recycled plastic!
  • New! Check your payment card details within our app. Easily access your card number, expiry date, and CVC/CVC2 code for all your active cards.

More

By choosing the Service plan, you will receive contactless Debit Mastercard without any extra charge. For further reading about the Service plans, click here.
If you have lost your card or it is stolen, please block your card easily in our Internet Bank, Swedbank app or call +370 5 268 4444 or 1884.

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.

Read more about internet shopping.

  • 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 an 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 for discounts that seem to be too unrealistic.
  • Use a welcome text in the Internet shopping programme that is as personalised as possible. Every time you make a purchase online, ensure that the welcome text is the same as the one you set when you signed up to the programme.
  • 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.
  • In case of renewed or replaced card the linkage to the selected e-wallets and various service providers will be retained when you activate your new card.
  • New! Check your payment card details within our app. Easily access your card number, expiry date, and CVC/CVC2 code for all your active cards.
  • You can protect your money by choosing usage limits that suit you.
  • You can set separate limits for purchases, cash and payment transactions.
  • You can change Usage Limits in Internet bank under My Cards or in the Swedbank app.
  • You can also increase your limits temporarily if necessary.
  • Make sure you always know where your bank card is. If you pay by card, do not let the person serving you take it to a back room on their own, because your card data can be stolen.
  • If you lose your card, immediately block it via the mobile app or internet bank. You can unblock or replace the card within 10 days.
  • It is not recommended, to send your card number by post or give it on the telephone when making a purchase, because your card data could be used for fraudulent transactions, but if there are no other possibilities, please, be extra careful.
  • Be careful when using the ATMs of other banks. Some ATMs return your card before dispensing the money. Make sure you have your bank card and the requested amount of cash before you leave the ATM.
  • Only the person whose name appears on the card, may use the card. Do not let anyone, even a close person, to use your card.
  • Always check the transaction amount that you are approving with the card.
  • Follow up your card transactions regularly in your internet bank or in the Swedbank app. If any transaction seems suspicious, please contact the bank.
  • When you get your bank card, you will also receive a PIN that is known only to you.
  • Memorise it, do not write your PIN on the card or anywhere else where it can be seen by others.
  • New! You can now check your card’s PIN code in Swedbank app. Its easy and will help you greatly if you forget your original PIN or cannot remember it after changing. Your PIN is visible to you only, not even bank employees are able to access it. These security measures are ensured by a special solution, meeting highest security standards set by PCI Security Standards Council and organizations of Mastercard.
  • Do not tell or show your PIN to anyone, not even to bank employees.
  • Try to enter your PIN so that no one else can see it, because your card could be stolen and used by somebody else. If the payment with a stolen card is confirmed with the PIN, it is the customer’s liability.
  • If you suspect that your PIN has become known to someone else or if the bank has notified you of the need to change your PIN, you must change it immediately. You can do so at any Swedbank ATM.
  • When selecting your PIN, do not re-use your old PIN. Do not use identical codes for different cards for the purpose of memorising them.

Conditions

Terms and conditions of debit cards

Card transactions in foreign currency (calculator)

Payment Card user's memo

Contactless Debit Mastercard

Valid from 07-12-2023

Card terms and rates Fee, EUR
Contactless „Debit Mastercard” issuing:
Card validity 4 years
Card issuing at the branch fee1 EUR 5
Card issuing by post fee2 EUR 2
Urgent card delivery3 EUR 30
Card administration monthly fee EUR 1
Blocking of a lost or stolen card Free of charge
Other debit card fees:
Bill payments at ATMs of „Swedbank“, AB Free of charge
Cash withdrawals:
at ATM‘s of „Swedbank“, AB, „Swedbank“ AS (Estonia), „Swedbank“ AS (Latvia), Swedbank AB (in Sweden) and BANKOMATAS.LT4 ATM‘s 0,5%, min EUR5 0,5
At non „Swedbank“, AB, „Swedbank“ AS (Estonia), „Swedbank“ AS (Latvia), Swedbank AB (in Sweden) and non BANKOMATAS.LT ATM‘s 2%, min. EUR 3
at other partners cash out service providing venues6 0,5 %, min. EUR 0,5
Cash deposit at ATMs of „Swedbank“, AB Free of charge
Currency exchange fee when transaction is made not in euro7 2.45%
Checking account balance in ATM‘s (where it is technically possible) Free of charge
Changing of PIN at ATMs of „Swedbank“, AB Free of charge
Copy of a receipt upon customer’s request:
on transactions in Lithuania EUR 1,45
on transactions abroad EUR 5,79
Standard limits8
for purchases EUR 2 030 per day
The total amount for cash withdrawal operations at ATMs EUR 870 per day, but not more than EUR 10 000 per calendar month9
The total amount for cash withdrawal operations at ATMs EUR 1500 per day, but not more than EUR 10 000 per calendar month10
for cash-in in ATMs EUR 7 500 per calendar month9
  • 1 Fee applies to the issuance of a new, renewed or replaced debit card. Fee will be charged when card is activated does not matter the card is included in the service plan or not.
  • 2 Fee is debited when activating new, renewed or replaced debit card (if the card is not included in the service plan). Renewed debit card can be sent by post without separate customer request by Swedbank decision.
  • 3 For urgent card delivery, standard card issuing fee by post applies additionally (if card is not added into service plan), or card issuing fee at the branch, depending on chosen method of card delivery. 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.
  • 4 Information about the ATM network BANKOMATAS.LT can be found at www.bankomatas.lt.
  • 5 Fee will be charged on the 15th day of next month.
  • 6 Information about partners which are providing cash out service for cards issued by Swedbank, AB is submitted in the website of the bank www.swedbank.lt.
  • 7 When 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 conversion calculator (for Mastercard transactions) is available on the Bank's website https://www.swedbank.lt/private/home/more/calculator may be used to calculate exchange rates.
  • 8 Transactions limits (expect for cash-in limit in ATMs) may be changed upon individual cardholder’s requests.
  • 9 This is the total limit for all accounts of the same customer and the cards linked to these accounts. The total amount for cash withdrawal operations at ATMs applies to contracts signed before 01/10/2023.
  • 10 This is the total limit for all accounts of the same customer and the cards linked to these accounts. The total amount for cash withdrawal operations at ATMs applies to contracts signed after 01/10/2023.

Contactless Mastercard WEB

Valid from 07-12-2023

Card terms and rates Fee, EUR
Contactless MasterCard WEB card issuing:
Card validity 4 years
Card administration monthly fee EUR 11
Card issuing at the branch fee2 EUR 5
Card issuing by post fee3 EUR 2
Urgent card delivery4 EUR 30
Blocking of a lost or stolen card Free of charge
Other debit card fees:
Bill payments at ATMs of „Swedbank“, AB Free of charge
Cash withdrawal at ATM’s and other places where this service is provided5:
up to EUR 290 per calendar month Free of charge
above EUR 290 per calendar month6 0,5%
Cash deposit at ATMs of „Swedbank“, AB Free of charge
Currency exchange fee when transaction is made not in euro7:
Up to EUR 10 000 per calendar month Free of charge
Above EUR 10 000 per calendar month 2.45%
Checking account balance in ATM‘s (where it is technically possible) Free of charge
Changing of PIN at ATMs of „Swedbank“, AB Free of charge
Copy of a receipt upon customer’s request:
on transactions in Lithuania EUR 1,45
on transactions abroad EUR 5,79
Security Programme
Security Programme fee Free of charge
Period until notifying of card blocking during which the Bank reimburses the client’s losses 24 hr
Maximum amount of the client’s losses not reimbursed by the Bank for participants in Youth Programme Plan “One+” EUR 0
Maximum amount of the client’s losses not reimbursed by the Bank for participants in Youth Programme Plans “Two+”, “Three+” and “Four+” EUR 28,96
Maximum amount of the client’s losses reimbursed by the Bank Standard limit of daily operations (payment for purchases and services)
Total limits of operations for participants in Youth Programme Plan “One+”8
for purchases EUR 30 per day
The total amount for cash withdrawal operations at ATMs (applies to contracts signed before 01/10/2023) EUR 30 per day
The total amount for cash withdrawal operations at ATMs (applies to contracts signed after 01/10/2023) EUR 50 per day
for cash-in in ATMs EUR 7 500 per calendar month9
Total limits of operations for participants in Youth Programme Plans “Two+”, “Three+” and “Four+”8
for purchases EUR 580 per day
Total permissible amount of cash withdrawal at ATMs EUR 290 per day, but not more than EUR 10 000 per calendar month9
for cash-in in ATMs EUR 7 500 per calendar month9
  • 1 No fee shall be charged on a client who is covered by the Service Plan for participants in the Plan “One+” of Youth Programme “Convenient”, for participants in the Plan “Two+” and “Three+” of Youth Programme “Convenient” or for participants in the Plan “Four+” of Youth Programme “Convenient”. The fee shall be charged from the moment when the client ceases being a participant in the Youth Programme or refuses the Service Plan for participants in the Plan “One+” of Youth Programme “Convenient”, for participants in the Plan “Two+” and “Three+” of Youth Programme “Convenient” or for participants in the Plan “Four+” of Youth Programme “Convenient” (depending on the Service Plan that was applied to the client).
  • 2 Fee applies to the issuance of a new, renewed or replaced debit card. Fee will be charged when card is activated does not matter the card is included in the service plan or not.
  • 3 Fee is debited when activating new, renewed or replaced debit card (if the card is not included in the service plan). Renewed debit card can be sent by post without separate customer request by Swedbank decision.
  • 4 For urgent card delivery, standard card issuing fee by post applies additionally (if card is not added into service plan), or card issuing fee at the branch, depending on chosen method of card delivery. 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.
  • 5 Except at other partners cash out service providing venues, where cash withdrawal fee 0.5% min EUR 0,5 is applied for each transaction.
  • 6 Fee will be charged on the 15th day of next month.
  • 7 When card transaction is made in currency other than euro (including a cash-out with a card) above 10.000 Eur/mo, conversion to euro is being calculated using „Mastercard International“ currency exchange rate at transaction processing day and increasing the amount by value stated (2,45%). Currency exchange fees can be calculated using a currency exchange calculator accessible in Bank‘s webpage: https://www.swedbank.lt/private/home/more/calculator.
  • 8 Transactions limits (expect for cash-in limit in ATMs) may be changed upon individual cardholder’s requests.
  • 9 This is the total limit for all accounts of the same customer and the cards linked to these accounts.

„Maestro“

Once the issued cards expire, they will be renewed and replaced with contactless Debit Mastercard cards, the same charges as for Debit Mastercard cards will apply to them.

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)

  • 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.
  • Validity of the card is expiring, what should be done in order to obtain a new card?
    As the validity period of the held debit card is coming to end, a renewed card is produced, provided that during the last 35 days at least one payment or cash deposit/withdrawal transaction was carried out in the ATM.
  • How to order a new card?
    You can order a new payment card in the Internet Bank, by entering “Cards” -> “Debit cards”, selecting the card and clicking to “Order” – you will be referred to the Internet Bank and will continue following the provided instructions.
  • What should I do if I want to have several cards linked to the same account?

    On request, additional cards may be issued to the same account enabling family members of other persons to use the funds held in the account.

    You can have only one active card of the same type linked to one account.

  • How can a minor order/receive a card?

    A card for a minor aged 6–13 may be ordered by one of the parents/guardians upon visiting the nearest bank’s branch. The card will be sent by post to your indicated address. The child’s card may be activated or the card terms and conditions may be changed by parents/guardians in their Internet Bank under “My cards” -> “Other person’s cards”.

    A minor aged 14–17 may order a card upon visiting the nearest bank’s branch together with one of the parents/guardians. If you have your parents’/guardians’ prior consent, you should bring your passport or personal ID card and your birth certificate or an extract from the birth certificate to the nearest bank’s branch. The card will be sent by post to your indicated address. The child may activate the card in his/her own Internet Bank (only with parents’ consent).

  • How long does it take to produce a new card and deliver it to the branch of the Bank?
    Normally, we produce a card and deliver to the Bank’s branch selected by you within 10 business days.
  • What should I do if my old card has expired and I have not received yet the card by post?
    If you have not received a card sent in Lithuania after expiry of your old card, inform us by the Internet Bank message (choosing “Report about not received card sent by post”) or by phone 1884. When a card is sent abroad, you can receive it later – this depends on the selected country.
  • When will I receive the renewed card?
    You will receive a renewed card at the beginning of the month of expiry of the old card, e.g. if the card expires on 31.07.2020, you will receive the renewed card in the first half of July.
  • I want to cancel the card renewal. What to do?
    If you do not want to renew the card, log in to the Internet Bank, go to “Cards” -> “My cards”, select the card, click “Card renewal”, select “No”, save the changes. The card will not be renewed if you notify on your decision no later than 2 months before the card expires.
  • Is it possible to order a card for another person to my account? How much does it cost?

    On the account holder’s request, additional cards may be issued linked to the same account enabling family members of other persons to use the funds held in the account.

    The card prices according to the types of cards are available here.

  • Can another person (not its user) receive my card at the Bank's Branch?
    No. The card can be issued only to the person whose forename and surname is written on the card. When an additional card (linked to another person’s account) is issued, both the holder of the account and the user of the additional card must arrive at the Bank’s branch.
  • When does my card expire?
    The expiration date (the month and the year) of the card is indicated on the card. E.g., 03/22 means that the card expires on 31 March 2022.
  • You ordered a card by mistake, but you don't need it?
    You can close the card at any time by calling +370 5 268 4444.
  • How to block a payment card?
    If you lost the card, block it immediately by connecting to your mobile app or Internet Bank calling the Bank at 1884 (calling from abroad: +370 5 268 4444) or visiting a branch of the Bank.
  • How to unblock a payment card?
    You can unblock the card by connecting to your mobile app or Internet Bank (if you have blocked the card yourself), by calling the Bank at 1884 (calling from abroad: +370 5 268 4444) or visiting a branch of the Bank (if you have blocked the card by phone or at the Bank’s branch). The card may be unblocked within 10 days after its blocking.
  • How to unblock a payment card which was blocked in a store?
    If you have blocked the card when paying for purchases (via an e-card reader), you can unblock the card in an ATM if you know you card’s PIN.
  • How to unblock a payment card which was blocked in an ATM?
    If you have blocked the card in an ATM you can unblock it by connecting to your mobile app or Internet Bank.

Manage your daily finances more conveniently, get travel insurance, shop safely online.

You can check your account balances, manage your cards, transfer money, etc. in your phone.

You will automatically top up your savings with a small amount every time you pay by card.

Take stock of your financial health and get useful insights and advice.
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A home loan for your dream home

Dreaming of a home makeover? A home loan will allow you to turn your plans into reality!

  • For renovating or buying a home, building a house.
  • Down payment – from 15% of the value of the property or the price (whichever is lower).
  • Lower interest rates for A+ and A++ energy efficiency homes.

See on cinema screens for half the price!

From now on, Youth Programme members can buy tickets for films screened on the first Wednesday of each month at a 50% discount.