Business Debit Card

The best everyday assistant for your company

New! Check your card’s PIN code and credentials in Swedbank app.
Convenient daily payments for you, less work for your accountant.
Mobile contactless payments - pay with your phone or supported smart watches.
Comprehensive transaction monitoring via Internet Banking and the mobile app.
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

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.
Order the card to your company's contact address.
Contactless payments with card up to EUR 50 without PIN entry. For contactless payments abroad limits can differ from country to country.
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 Swedbank 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, 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. If you need to have more than the standard limit for cash deposits by business card, please contact us by message.
Contactless functionality on the Internet Bank as well can be disabled or enabled by a user having profile „All transactions“ to the card account.

All newly issued Debit Mastercard cards are made of recycled plastic and has a cut-out on the edge of the card, which will make it even easier to identify the right card.

Order a debit card:

via the Internet Bank;
by calling customer service line +370 5 268 4422;
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 the 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 14 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 (to visit a bank branch, you need to register here.

Order the card

Card will be automatically renewed if such order was given by client. Renewing will start 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 (to visit a bank branch, you need to register here).
Renewed cards will have their former PIN.

The renewed card delivered by post can be activated by a card holder:

at an ATM – by inserting the card, entering a PIN code and making a usual operation (e. g. checking account balance);
in a physical store – by inserting the card into the reader and entering a PIN when paying for purchases.

The card can also be activated in the Internet Bank for business after the company's CEO signs the card agreement.

Order the card to your company's contact address

Sending the card via mail 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.

Business Debit Card

Contactless Mastercard

Name of service or transaction	Fee, EUR / Limit
The card is valid for	4 years
Card issuance fee¹	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 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 %
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 1,400
Maximum total monthly amount for cash depositing at ATMs of Swedbank, AB⁸	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)

¹The fee is deducted from the client’s bank account after card activation irrespective to delivery method.
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 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 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“ 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.
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.

documentDebit Card agreement terms and conditions

If a new card is ordered via Internet Bank and received by post, then card can be activated in the Internet Bank for business by the user having “All transactions” profile.

If card agreement was not signed upon ordering it or in case of renewal, card can be activated in the Internet Bank for business only by signing an agreement.

Card agreement can 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 the Internet Bank with Smart-ID, Mobile-ID or ID card.

Renewed card delivered by post can be activated without signing an agreement by a card holder:

at an ATM – by inserting the card, entering a PIN code, and making a usual operation (e. g. checking account balance);
in a physical store – by inserting the card into the reader and entering a PIN when paying for purchases.

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

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

When getting a new debit card, its PIN code is issued in a separate envelope, and delivered when you receive the card by post or collect it at branch.

Renewed cards will have their former PIN.

If you can’t remember card‘s PIN, you can check it in the Swedbank app.

Card’s PIN code can be viewed only by the cardholder with Internet Bank access to company’s bank accout, linked to payment card.

This cardholder must have internet bank user rights titled „Full-access“, „Transaction“ or „Information-only“.

More about user rights

When needed, PIN can be changed at your nearest Swedbank ATM in Lithuania.

According to security protocols, only two wrong entries of card PIN are allowed. After 3rd time PIN will be automatically blocked.

How to proceed after blocking card:

If you’ve blocked your card in POS, then you can unblock it at your nearest Swedbank ATM by entering the correct PIN at once.
If you’ve blocked your card at an ATM, it can be unblocked via the Internet Bank for Business.

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).

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.

New!

Provide the better shopping experience for your customers.

From simple, pocket-sized terminals to tailor-made integrated solutions.

Business Debit Card