PrivateBusinessAbout Holm
ETENRU
[email protected]+372 675 5055

Holm Bank.Private.Credit card

Credit card

Holm offers a physical and virtual VISA credit card without monthly fees, which you can apply for via Holm self-service and app. Credit card users will also get 10% back on the purchase amount when paying with the Holm card in Arvutitark stores and the online shop until the end of December. See the detailed terms and conditions below.

Limit

up to €10,000

Monthly interest rate

from 1%

15 days

interest-free

Contract and maintenance fees

€0

Free of charge

purchase insurance

We will send the plastic card to your home address within a week, free of charge, and the virtual card will be ready to use as soon as you sign the contract. The app and self-service offer a convenient overview of your payments and other transactions.

You can use the card in retail shops, online stores and to pay for services. It is also possible to withdraw money from ATMs with a Holm credit card. Purchases made with the Credit Card are protected by purchase insurance.

To find out your personal credit limit, please fill out the application in our self-service.

Enter the travel prize draw!

Until the end of November, all new Holm credit card holders can enjoy our other benefits and a chance to win a wonderful holiday!
The prize is a €2,000 gift card from Estravel, Estonia’s largest travel agency. It can be used to book flights, accommodation, a package holiday, a spa break or even a cruise.

The campaign runs from 29 October to 30 November 2026.

Find out more about the campaign

Campaign for card clients

Pay for your purchases made between October and December in Arvutitark shops and online store with your Holm credit card or Credit card 100.

Holm Bank will transfer 10% of the amount of purchases made from October to December back to your Holm customer account during the following month.

View the campaign

Card services department
8:00-18:00

[email protected]

+372 677 0760

Frequently asked questions

1. If I do not use my credit card, will it incur liabilities?
Not using the credit card does not entail any obligations for you, because the credit card does not have a monthly maintenance fee.
2. Once I have received my credit card, when can I start using it?

The physical credit card should be activated in the app or on our self-service site. The virtual credit card is ready to be used right away after you have activated internet purchases and entered your 3D Secure password.
3. How can I check the available limit of my credit card? Where can I see my credit card transactions?
You can check the unused limit of your card in the app or on our self-service site. The available limit on a physical credit card can also be checked at any ATM for a service fee of €0.47. You can see card transactions on our self-service site.
4. How can I order a new credit card?
The virtual credit card and the initial physical credit card are free of charge. If you lose your physical credit card and wish to order a new one, you can do that on our self-service site. In that case, a €10 service fee applies for the new physical credit card.
5. Is it possible to pay abroad with the credit card?
You can use your credit card to pay for purchases in shops that support card payments and in online stores that accept Visa cards. For security reasons, the credit card cannot be used for making purchases in the following countries: Afghanistan, Albania, Argentina, Bahamas, Barbados, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Burkina Faso, Burundi, Cayman Islands, Cambodia, Colombia, Democratic Republic of the Congo, Dominican Republic, Equatorial Guinea, Ethiopia, Ghana, Guinea-Bissau, Guyana, Haiti, Hong Kong, Iceland, India, Iraq, Iran, Jamaica, Laos, Lebanon, Libya, Mauritius, Mexico, Mongolia, Morocco, Myanmar, Nicaragua, North Korea, Pakistan, Panama, Peru, Philippines, Republic of the Congo, Russia, Senegal, Somalia, South Africa, South Sudan, Sri Lanka, Sudan, Syria, Thailand, Trinidad and Tobago, Tunisia, Turkmenistan, Uganda, Ukraine, United States of America, Vanuatu, Venezuela, Vietnam, Yemen and Zimbabwe.
6. How can I make credit card repayments?
Every month, Holm Bank AS will send you a payment order that shows the mandatory repayment amount, the credit limit used, the available limit of the agreement, the applicable interest rate, and a statement of transactions. Interest is calculated monthly on the outstanding loan balance. The invoice must be paid by the 10th of each month at the latest. You must pay the due amount every month. If you wish to repay a larger amount or the entire loan, you can initiate the repayment in the self-service portal. Select "Cards", "Credit Card", "Make a Repayment".
7. Is it possible to dispute transactions made with the credit card?
If the purchased goods or services are either of poor quality, do not meet the conditions, or the delivery time of the goods has been exceeded, contact the relevant merchant. Recurring payments for goods and services must first be cancelled by the trader or service provider. Card transactions made during the provision of the service will not be refunded. In the case of hotel bookings and car rental transactions, fees may be added depending on the nature of the service (minibar bills, traffic fines, tolls) or in the case of no show. Please contact the merchant or service provider to find out the circumstances of the transaction. If you have any questions, e-mail us at [email protected].
8. How to use the Holm virtual credit card?
The virtual credit card can be used in stores and online shops. Add it to your Apple Pay or Google Pay digital wallet and use wherever VISA cards are accepted.
9. Can I withdraw cash from an ATM with my Holm credit card?
You can withdraw cash using Holm credit cards (except virtual cards) both in Estonia and abroad, see the price list.
10. What is a 3DS password?
The 3D Secure (3DS) password is an additional anti-fraud protection measure for online purchases. You can set and change your 3DS password in the card management section of our Self-Service.
11. I forgot my PIN code, where can I see it?
If you have forgotten your PIN code, you can retrieve it through the self-service portal. Log in to the self-service and select your active credit card from the menu. Then choose "Manage Card" and "PIN Code Settings". There, you can request the PIN code to be sent to your phone via SMS.

Additional information

Price list
Pre-contractual information
Reminder
Contesting of card transactions
Terms and conditions

The financial services provider is Holm Bank AS. The issuer of the card is Wallester AS. Read the terms of the contract and consult an expert. The annual percentage rate is 36.89% under the following sample conditions: credit limit €5,000, fixed interest rate 32.80% per annum, total repayments €6,351.37. This rate is calculated on the assumption that the credit limit is immediately used in full and repaid in equal monthly instalments over a period of one year with the total amount repaid being €6,351.37.

Holm Bank AS

Posti 30, 90504 Haapsalu

Business registration code

14080830

Credit institution license

02.04.2019

Customer service

[email protected]

Data protection

[email protected]

Private customer

Business customer

Holm on social media

Find it fast

Holm on social media

You are on the website of the financial service provider Holm Bank AS. Before concluding each contract, read the terms and conditions and, if necessary, consult an expert.
© 2026. Holm Bank AS