Company cards

Better have it before

Mobile contactless payments - pay with your phone or smartwatch.
Order the card to your company's contact address.
New! Check your card’s PIN code and credentials in Swedbank app.

Comparison of business cards

	Business Debit Card Learn more	Business Credit Card Learn more	Business Gold Credit Card Learn more
	Everyday assistant for your company	Extra credit for company	Secure travel for your company - free travel insurance + 3 colleagues
	Monthly fee EUR 2	Monthly fee EUR 3	Monthly fee EUR 10
	Issue fee EUR 5	Credit limit up to EUR 15 000	Credit limit up to EUR 32 000
	Receive free via mail	31 day interest-free period for used credit card limit* *Please notice! The interest-free period does not apply to cash withdrawals and credit transfers.	41 day interest-free period for used credit card limit* *Please notice! The interest-free period does not apply to cash withdrawals and credit transfers.
	Everyday assistant for your company	Extra credit for company	Secure travel for your company - free travel insurance + 3 colleagues
Card organisation	Mastercard	Mastercard	Mastercard
Monthly fee	EUR 2	EUR 3	EUR 10
Issuing fee	EUR 5	EUR 5	EUR 15
Travel insurance
Mastercard® Airport Security Fast Track
Access to airport lounges with LoungeKey™
Global Data Roaming
Credit limit		Up to EUR 15 000	Up to EUR 32 000
Interest free period for purchases		Up to 31 days	Up to 41 days
Automated repayment		1st day of the following month	10th day of the following month
Interest rate		18%	15%

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

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 www.swedbank.lt.
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.

documentBusiness Credit Card agreement terms and conditions

Business Gold Credit Card

Contactless Mastercard

Name of service or transaction	Fee, EUR / Limit
The card is valid for	3 years¹
Card issuance fee²	EUR 15 (as well applied for renewed card issuance)
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
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	15%
Deadline for repayment of used credit	10th day of the next month
Period for free of charge credit⁶	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 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
Travel insurance	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 1,400
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 750, 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 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 www.swedbank.lt.
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.
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“ 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.
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.
¹⁰More details about terms and conditions of insurance services are provided on the bank’s website.

Business Gold Credit Card agreement terms and conditions

Insurance terms and conditions

Travel insurance product information document

Regarding the terms of use of LoungeKey™ and Boingo services

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).

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.

Pay digitally. It helps you track your expenses, set the limits for certain expense categories, and identify where you can manage your consumption habits.
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.
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

Yearly CO₂ footprint
0
Trees required to absorb CO₂
0

If you paid by card, you could save

CO₂ emissions (kg)
0
Trees
0

Source: Lindgreen, E.R., van Schendel, M., Jonker, N. et al. (2018); Hanegraaf, R., Larçin, A., Jonker, N. et al (2020)

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.

Starting from 6 May 2021 we're offering for trips Travel Insurance with Covid-19 cover for Business Gold Credit Card holder and 3 colleagues travelling with him/her at no additional charge. It provides more comprehensive risk coverage and protection from unexpected costs. The Covid-19 cover is automatically valid for insured person if any of the preconditions met:

negative Covid-19 test within 72 hours prior to the start of the trip
confirmation that you have been infected with Covid-19 within the last 6 months and you are recovered
Full vaccination certificate

Preconditions are not needed if trip is cancelled due to Covid-19 sickness or self-isolation before the trip.

For example, we will compensate Covid-19 related medical expenses abroad, if insured person needs medical assistance. Or travel cancellation costs before the trip if insured person: has received a positive coronavirus test, or he/she is a close contact person and have to stay in isolation (quarantine).

Travel disruption caused by authorities (e.g. closed borders, lockdowns) is not covered even in case of pandemic/epidemic.

Carefully consider whether traveling abroad is needed.

For more information read:

documentFrequently asked questions

Company cards

Better have it before

Comparison of business cards

Business Debit Card

Business Credit Card

Business Gold Credit Card

Business Debit Card

Contactless Mastercard

Business Credit Card

Contactless Mastercard

Business Gold Credit Card

Contactless Mastercard

Cash payments

If you paid by card, you could save

Information regarding potential risks

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Prašome naudoti Google Chrome, Mozilla Firefox ar Microsoft Edge naršykles.

Your session at the Internet Bank has ended – we look forward to welcoming you back!

For managers who do everything in their businesses

Contacts

Useful links

Legal information

Not a customer yet?

Company cards

Better have it before

Comparison of business cards

Business Debit Card

Business Credit Card

Business Gold Credit Card

Business Debit Card

Contactless Mastercard

Business Credit Card

Contactless Mastercard

Business Gold Credit Card

Contactless Mastercard

Cash payments

If you paid by card, you could save

Information regarding potential risks

Jūsų Internet Explorer naršyklė nebepalaikoma.

Prašome naudoti Google Chrome, Mozilla Firefox ar Microsoft Edge naršykles.

Your session at the Internet Bank has ended – we look forward to welcoming you back!

For managers who do everything in their businesses

Contacts

Useful links

Legal information