Contactless cards

Contactless cards are already here!

A new generation of payment card will make your everyday, on-the-go purchases faster and more convenient. When your purchase is less than €10 all you need is just tap your contactless card to the POS terminal, no PIN code is needed. If your purchase is above €10 complete the payment as usual – by entering your PIN code.

With a contactless payment card you can make all your payments – pay for your purchases in shops and other places, online stores and withdraw money from ATMs. Contactless payment is an extra feature of your card.

In Lithuania the limit for contactless payments is currently €10. If the price of your purchase exceeds this amount, you will need to enter the PIN code when making the payment. You can also use your card abroad, but please note that the limit for contactless payments may vary across the countries.

Contactless cards have a special sign on them. A similar symbol is also displayed on a POS terminal which accepts contactless payments.

Symbol on the card

Symbol on the terminal

If the merchant has the new POS terminal, which accepts contactless payments and the amount of your purchase is less than €10, you will only have to tap the POS terminal with your card. If the amount exceeds €10, you will be asked to enter the PIN code. In all cases, the instructions will be displayed on the POS terminal (some terminals will allow entering PIN code without inserting the card, others will require to insert it).

If the merchant’s terminal does not accept contactless payments, you will be able to use your card as usual – by entering your PIN code.

Making a contactless payment is simple, fast and safe. Just follow these steps:

Make sure there is a contactless symbol on the terminal.

Please note: If the terminal does not accept contactless cards complete the payment as usual – by entering your PIN code.

On the terminal screen you will see a message indicating that you can tap your card. If the amount of your purchase is less than €10 you will not need to enter the PIN code.

Please note: In some cases, even if your purchase is less than €10 you may be asked to enter your PIN code. This is done for extra security to verify that the card has not been lost and that you are the holder of the card.

When you tap the card to the terminal, you will hear a beep or see a green light on the terminal, meaning that the payment was accepted.

You will see status “Accepted” on the POS terminal screen.

Please note: For contactless payments under €10, a receipt will not automatically be printed for you. However, you can always ask for a receipt if you need it.

Turning contactless mode on/off

Contactless card is issued with disabled contactless mode. It is automatically turned on once you activate your card and make the first operation approved with your PIN code (in ATM or POS).

You can enable / disable contactless mode anytime in your “Swedbank” mobile app, internet bank or by calling 1884. To change the enable / disable contactless mode you need to complete one transaction by entering the PIN code.

Contactless payments are safe and secure, since they have the same level of anti-fraud protection as PIN payments. During the payment your information is securely transmitted to the terminal. You will sometimes be asked to enter your PIN code even when making a contactless payment under €10. This is done for extra security to verify that you are the holder of the card.

If you lost your card or it has been stolen, block it immediately or by calling 1884, in your “Swedbank” app or internet bank. When the card is blocked, your money is safe.

Can I use my contactless card at all POS terminals?

A contactless card can be used at all POS terminals which accept contactless cards (VISA/MasterCard). If the POS terminal does not accept contactless cards make your payment as usual – by entering the PIN code.

Is it possible that I will be charged twice, if I accidentally tap the card twice?

Built-in security mechanisms ensure that only one transaction can occur when the contactless reader is activated by the seller. Even if you tap it twice, only one payment will be made.

Is it possible, that money will be charged from my account if I simply come too close to a contactless terminal which currently executes transaction?

Contactless cards and devices only function when placed at a distance less than 4cm from the activated terminal. In order to execute transaction you need to tap the card to contactless terminal.

How frequently will I have to enter PIN code when making contactless payment?

From time to time, for additional security, you will be asked to enter your PIN code even when making a payment under €10.

Can I make a contactless payment without taking my card out of the wallet?

We recommend always take your card out of the wallet when making contactless payment.

What if contactless payment is declined?

Contactless card is issued with disabled contactless feature. It is turned on after you activate your card and make an operation with your PIN code in POS or ATM. You also be able to disable contactless feature any time. If you had disabled it, you will need to enable it and performed PIN based transaction (in ATM or POS) in order to switch it on again.

How close must the card be to the POS terminal in order to make the payment?

The card needs to be within 4 cm of the POs terminal.

How safe are contactless payments?

  1. Since you don’t have to insert your card or leave it to the cashier, the card cannot be skimmed or copied.
  2. Special security mechanisms ensure that only one payment can be done at once. This means that you will not be charged twice even if you accidentally tap your card twice.
  3. Contactless cards are provided with same high level of anti-fraud protection as old type card.
  4. You will be randomly asked to enter the PIN code when making contactless payments in order to make sure you still possess your card.

What should you do if contactless card is lost?

Block the card immediately in your “Swedbank” app, internet bank or by calling 1884.

Can I use my contactless card abroad?

Yes, you can use your card worldwide. In many countries this is already a popular payment method. Please note that contactless payment limits can be different in different countries.

For example, in many European countries the limit is €25R, in Scandinavia the equivalent limit is €25, in UK – £30.

I have turned on/off contactless payments but my request was not activated?

Contactless payments status is changed only after you make a PIN based transaction (in ATM or POS).

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