Handelsbanken credit card application Sweden approval and fees

What is the fastest way for an applicant to compare fees, benefits, and start choices before they apply online?

The guide shows how the bank’s cards and kort options differ, so a reader can pick the best fit. It explains that purchases can be deducted instantly from an account with a debit option or paid later with a credit alternative. It also notes that credit versions earn a bonus on purchases.

Key cards include Bankkort Mastercard with travel and cancellation cover, Allkort Mastercard with bonus and added insurance, Platinum with lounge access and concierge, and Bankkort Start for younger users. Annual fees vary: SEK 300, SEK 360, or SEK 2,400 depending on level, and some age groups get free or reduced rates.

The section highlights practical points: currency conversion on foreign transactions, mobile purchase alerts, a currency fee calculator, and quick service via app or internet banking to start the online process the same day.

Handelsbanken cards at a glance: debit or credit with travel protection and bonus

Choose the right kort by weighing immediate account deduction against monthly invoices, then match that to travel cover and reward needs.

Bankkort Mastercard is the everyday debit option: köp are deducted directly from the account and extra travel insurance with cancellation cover is included. The annual fee is SEK 300, but it is free for customers aged 18–26 who receive CSN payments into the account.

Allkort is the flexible credit choice with a monthly invoice that can be split into payments. It includes a built-in bonus on purchases and travel insurance, costing SEK 360 per year. For higher spenders the bonus can help offset fees over time.

Platinum is the premium tier with extensive travel protection, Priority Pass, Fast Track, concierge service and a bonus program, priced at SEK 2,400 annually.

Bankkort Start works worldwide and deducts purchases and cash withdrawals from the account. It is free up to age 21; each extra Bankkort Start costs SEK 300. Shortlist two or three kort based on whether you prefer debit or credit-style flexibility before moving on to fees and next steps.

Handelsbanken credit card Sweden application approval

The process to get a new kort moves quickly and uses digital tools to keep wait times short. Applicants start online, in the appen, or via internet banking and receive clear guidance about eligibility and likely limits.

Once a decision is made, dispatch is fast and activation can happen digitally. The new product can be enabled in the app or internet banking, or first used with an in-store chip-and-PIN purchase if the holder selected a personal PIN.

Identification relies on Mobile BankID and a secure pinkod to confirm the right person. These checks protect purchases and make later transactions simple and trusted.

Customers get immediate access to controls in the app to allow or block online and abroad use. Billing expectations are set up front — monthly statements and part-pay options are explained so users know how repayments work.

Support is available throughout the journey to answer questions about documentation, identity checks, activation, and travel insurance levels that may affect limits and service.

How to apply and get started: online, in the app, or via internet banking

Getting started is fast: applicants can pick a kort, sign in digitally, and finish setup without visiting a branch.

To activate in the appen, log in, open “Kort och förmåner” in the menu and tap “Aktivera kort.” The card is enabled immediately for online and contactless use when activation is complete.

To activate via internet banking, sign in, choose “Konton och kort” and select “Aktivera kort.” This route works well on a desktop or mobile browser and gives the same instant controls.

If the customer receives a replacement product or one with a user-selected pinkod, activation often happens at the first in-butik chip-and-PIN köp. That makes setup simple for those who prefer using a personal PIN.

For help, call Personlig service at 0771-77 88 99 and authenticate with Mobile BankID or personal code. Alternatively call Telesvar at 0771-22 55 88 and enter the personal code for automated support.

After activation, enable security toggles for online and abroad use and add the kort to mobile wallets and wearables. Expect the first statement timing to be shown in the account area and choose full or part payment where available.

Memorize any PIN and never share it to keep transactions safe from day one.

Fees, annual costs, and abroad usage

Know the recurring fees and how purchases abroad are handled to avoid surprise charges.

The standard yearly cost is SEK 300 for Bankkort Mastercard, SEK 360 for Allkort, and SEK 2,400 for Platinum. Bankkort Start is free until age 21 and includes one kort; extra Bankkort Start cards cost SEK 300 each.

Debit products deduct purchases immediately from an account. Credit-style products consolidate köp to a monthly invoice and can affect total cost depending on repayment choices. Credit versions also earn a bonus on purchases that can offset annual fees for regular spenders.

When making transactions in another EEA currency, the bank converts the amount and may add fees. Mobile notifications inform customers of abroad purchases. Use the online currency fee calculator to preview conversion costs for kort purchases and ATM withdrawals.

Before travel, enable travel settings in the appen and review online and abroad toggles to avoid declined transactions. Carry a backup payment method and check ATM withdrawal terms to reduce unexpected charges.

Compare your options: Bankkort Start, Bankkort Mastercard, Allkort, and Platinum

This compact comparison shows which kort fits daily life, travel habits, and household needs.

Bankkort Start is ideal for new users and youth. It is accepted worldwide and deducts purchases and withdrawals directly from an account. One Start is free until age 21; each additional bankkort start costs SEK 300.

Bankkort Mastercard works for those who prefer debit but want added travel insurance, including cancellation cover. The annual fee is SEK 300 and it is free for ages 18–26 who receive CSN payments into the account.

Allkort is a credit-style option with a monthly invoice, part-pay flexibility, and a bonus on purchases. It adds travel insurance with cancellation cover and costs SEK 360 per year.

Platinum targets frequent travelers who value premium perks. It includes extensive travel protection, Priority Pass, Fast Track, concierge services, and a bonus program for heavy spenders. The annual fee is SEK 2,400.

Compare fees versus features: SEK 0–300 for start options, SEK 300 for bankkort mastercard, SEK 360 for Allkort, and SEK 2,400 for Platinum. Shortlist two — often one debit and one credit — then proceed to the online start flow for a quick outcome.

Security, control, and support after you receive your card

Immediate controls in the appen let users manage where and how the kort works. Toggling internet and abroad use limits risks and takes effect at once.

On arrival, activate notifications and review settings so every köp sends an alert. If an unfamiliar purchase appears, block the card immediately and file a kortreklamation to stop further loss.

Verification for online and in-butik payments uses Mobile BankID or a secure pinkod. Replacement products or cards with a user-chosen PIN often activate at the first chip-and-PIN payment in a butik.

For fast help, call Personlig service at 0771-77 88 99 and authenticate with Mobile BankID or a personal code. Telesvar is available at 0771-22 55 88 for automated support with a personal code.

Keep contact details current in internet banking. Before travel, reopen abroad purchases temporarily and lock them again on return. Use secure networks and updated devices for online shopping to complement the bank’s verification steps.

Ready to apply now and enjoy bonus, protection, and seamless payments

Complete the sign‑up in moments, add the kort to your mobile wallet, and make your first köp safely.

Choose a product—bankkort start is ideal for new users—and start online, in the app, or via internet banking. After delivery, activate in “Kort och förmåner” or “Konton och kort,” or use a first chip‑and‑PIN purchase for cards with a user pinkod.

Add the kort to Apple Pay, Samsung Pay, Swish for contactless payments on Android, or a wearable to speed everyday purchases. Memorize and safeguard your pinkod, enable online and abroad use only when needed, and turn on notifications to monitor activity.

With built‑in travel protection and bonus programs, new holders can get value from day one. If questions arise, support is ready to help at every step of the start process.