You blip your card at the store’s terminal and the purchase is completed. For purchases under SEK 400, no PIN code is needed. For purchases over 400 SEK, you can still get blip, but you need to enter the card’s PIN.

As an extra security, you may sometimes be asked to enter your PIN, even if the amount is less than SEK 400.‎

As of April 17, 2020, the limit for blip payments was changed from SEK 200 to SEK 400.

Contactless payments use the same technology as when buying with a chip and PIN, with the difference that the information is transported from the card to the terminal wireless. The encryption is unique to each purchase, and protects the information at each transaction.

Debit cards are linked to a bank account and issued by a bank. When you use the card, the account you’ve linked the card to is immediately charged.

‎Charge cards and credit cards are cards where you pay on credit, which means that you borrow the money from the bank/creditor.

You then have to repay the bank/creditor. For charge cards, the entire debt/loan is paid when the cardholder receives their total invoice for completed purchases. For credit cards, the cardholder can choose to pay all or part of the amount that the single invoice represents. If you choose not to pay the full amount, you will often be charged an interest rate on that part of the loan/credit that is not repaid. The terms and conditions are different depending on the bank/creditor.

• Charge cards or credit cards can be issued by your bank in collaboration with, for example, Mastercard or VISA, but also by a standalone card issuer, such as American Express.
• Debit cards are always issued by a bank and usually in collaboration with Mastercard or VISA.

Your card will have the contactless payments symbol on the front.

Yes. If you want to turn off the ability to pay contactless, contact your bank and they will help you.
 

Yes, you will receive confirmation that the card is open for internet purchases when you open it in the internet bank or in the app. In some cases, there may be a delay, even though you have received a confirmation. If you can’t shop right after you open the card for internet purchases, you may have to wait a while and try again a bit later on.
 

You can pay contactless all over the world where the opportunity exists.
 

It depends on which bank you have. The most common way is to change the PIN in one of the ATM machines. You can also change your code via the phone bank or internet bank. You must have accessto your current code prior to the switch. Remember to choose a code that is difficult for outsiders to guess, and choose a combination that is not too easy to figure out.
 

You cannot order a new PIN for your debit and credit card. However, if you forgot your PIN, you could order a reminder on your current PIN. However, this may change in the future.
 

Most cards are activated for purchases on the internet. However, there are exceptions where you yourself as a cardholder have to “open” the card for purchase on the internet. Check with your card issuer what applies to your card.
 

When you shop with your card, the bank needs to know that the right person is making the purchase. That verification is done through an identification that indicates that you are you. An example is when you sign with Mobile 

BankID‎

 or use PIN when shopping online or in-store.
 

When shopping online, you should always make sure that the payment method offered is safe. Safe solutions are for example Mastercard Secure code and Verified by VISA, both based on a standard called EMV 3DS. When shopping in an online store connected to these security services, you need to use BankID to provide a temporary password to confirm that you are you, and approve the purchase. The type of identification requested is controlled by the card issuer. The bank takes responsibility for any fraud that might occur.
 

As long as you protect the card’s 

CVV/CVC‎

 code (the three-digit security code on the back of the card) and the PIN, you’ll be safe. None of this necessary information can be read from a contactless card.
 

Mastercard and VISA manage the underlying technology that enables you as a customer to pay pretty much anywhere in the world. The cards themselves are issued by a bank, that in turn uses the technology of Mastercard and VISA. American Express differs as they act as their own card issuer.
 

As a consumer, you won’t notice any difference between the two companies when you use your card. However, each issuing bank has the opportunity to shape its specific card offering to the customers.
 

In the same way cash in your wallet gives you an overview, login into your bank app on your phone gives you the same control. One advantage is that all your expenses are gathered in one place and it’s easy to keep track of where, when and how much you have shopped for.
 

If you do not have the opportunity to use Mobile BankID, you can instead confirm your purchases on the internet with password and SMS. You choose a password and connect your mobile number in the internet bank. You can only connect Swedish mobile numbers.
 

You will automatically receive an exchange card when the validity period of your existing card expires. The exchange card arrives no later than the 20th of the month on your existing card.