Credit card 100

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.

You can check your credit card’s available limit in our app and self-service system. With a physical credit card, you can also check your available limit at any ATM, subject to a service surcharge of €0.47.

You can see card transactions on our app and our self-service site.

Every month Holm Bank AS will send you a payment order showing:
the compulsory repayable instalment that is always equal to your used credit limit, the available limit according to the agreement, and the statement of transactions.
The invoice must be paid no later than the 10th day of the month. Repayments are to be made to the current account of Holm Bank AS EE391010220035757017 in SEB Bank or EE087700771000802113 in LHV Bank.
The reference number is mandatory! In case of arrears, the use of the card will be suspended

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. Goods and services which require recurring payment must first be terminated 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 a 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].

The virtual credit card and the initial physical credit card are for free. If you lose your physical credit card and wish to order a new one, you can do that on our self-service site, yet then service fee of €10 will be applied for the new physical credit card.

Should your card be lost or stolen, immediately block it via our self-service or app, or by calling us on 677 0760.

You can withdraw cash using Holm credit cards (except virtual cards) both in Estonia and abroad, see the price list.

The 3DSecure (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.