Could one everyday payment tool really save money, cover travel cancellations, and simplify banking all at once?
This concise guide lays out what the ICA Banken credit card Sweden eligibility fees page promises and what it actually delivers. It explains global Mastercard acceptance, the travel insurance that activates when trips are paid with the card, and how points build at ICA and Apotek Hjärtat.
Readers will see how the app and icabanken.se handle payments, transfers, card controls, and secure messaging. Students get a no-fee period during studies and one year free after graduation, before a SEK 25 monthly charge begins.
The intro also flags practical needs: a Swedish ID and BankID streamline applications and account management. For newcomers, it clarifies the difference between this bank card and specialized alternatives like the SI scholarship kontantkort.
To läs mer, continue for eligibility details, fee breakdowns, and real-world use cases that help decide if this card fits daily life and travel plans.
Why choose the ICA Banken credit card in Sweden
A versatile payment product can simplify bills, protect trips, and reward routine shopping. It works as a global Mastercard, so it functions at most stores and online portals. Built-in travel insurance includes cancellation protection when a trip is bought with the card.
Shoppers earn points at both ICA and Apotek Hjärtat stores. When they pay with the issuer’s cards at ICA or in Apotek Hjärtat, they get 20 extra regular points per purchase. That steady accrual can be combined with store deals for a möjlighet dubbel bonus on selected offers.
The app and icabanken.se handle payments, transfers, regional card controls, and quick blocking or reissuing of a lost card. Users also access savings, open accounts, and view insurances and loans from one place. For daily errands and travel planning, the mix of digital tools and rewards at ica apotek and apotek hjärtat adds clear practical value.
ICA Banken credit card Sweden eligibility fees
A short list of identity rules and the cost timeline helps people plan before applying. Applicants need a Swedish ID and should be ready to verify identity in line with local banking checks.
Students get the best deal: no monthly charge while studying. After studies end, the free period continues for one year and then a SEK 25 monthly fee applies.
Those without local ID must gather documents or seek alternatives. Mobile BankID often handles secure sign-on and speeds up approval for residents.
Interest and limit details matter for some users. Examples of listed amounts include ränta belopp 000 and belopp 000 when comparing scenarios. If an offer shows 0,75 ränta, users should check the full 0,75 ränta belopp and how that translates when one får 0,75 ränta on certain balances.
Weigh the straightforward monthly charge against rewards at ICA and Apotek Hjärtat, plus travel insurance when trips are paid with the product. For specifics, läs mer on official terms before applying.
What you need to apply for the ICA Bank Card
Before applying, applicants should check which IDs and digital tools speed up account setup. A valid Swedish personal identity number is typically required, and physical ID must match bank records.
Mobile BankID is the common secure e-ID used for signing and verification. Having it active reduces processing time and lets the applicant finish steps online.
Newcomers should expect extra paperwork if documents are not in Swedish. It is wise to confirm which documents the issuer accepts so verification does not stall.
Internet and mobile banking activation usually comes with the account, enabling bill payments, transfers, and basic management from the app. Check the provider’s support pages where verksamhet finns hemsida and contact details appear.
Students must keep study proofs current to get any waiver. Plan for delivery and activation timelines — some actions take a few arbetsdagar dag ica — before travel or recurring payments begin.
Student benefits with ICA Banken
Students get a package of benefits that cuts monthly costs and boosts rewards for everyday shopping.
During studies the bank product has no monthly charge. After studies end, the free period continues for one year before the standard SEK 25 monthly fee begins.
Regular discounts appear on food, at apotek hjärtat, books, and travel. Purchases at ica apotek and apotek hjärtat earn extra regular points, creating a möjlighet dubbel bonus for frequent shoppers.
Account checks and transfers work via web, the app, or in-store service desks. Digital controls let students set region locks, block the card, and manage spending while moving between housing or traveling.
Student-adapted home insurance (ica försäkring) is available in the insurer lineup and complements the banking package for those in dorms or rentals.
Travel insurance with cancellation protection applies when trips are paid with the product, which helps during holiday breaks and study trips.
Fees, charges, and interest overview
Knowing how monthly charges, withdrawal costs, and interest interact helps users make smart payment choices.
Students keep the product free while studying and for one year after studies end. After that, a SEK 25 monthly charge applies and should be included in yearly budgets.
Interest examples are presented as ränta belopp 000 and belopp 000 to illustrate scenarios. Compare those sample ränta belopp figures with personal balances to see real cost impact.
If a listed rate shows 0,75 ränta or 0,75 ränta belopp, check the fine print to learn when one får 0,75 ränta and how that affects revolving balances.
The app reduces incidental costs by letting users set regional limits, block lost plastic instantly, and manage transfers. Cash withdrawals at ATMs remain available; compare ATM habits with genomsnittliga köp to optimize spending.
Finally, rewards from grocery and pharmacy shopping can offset some ongoing costs. Reviewing typical transaction sizes and frequency helps decide if the package is cost-effective for everyday use and travel.
Rewards at ICA and Apotek Hjärtat
Turning weekly groceries and pharmacy runs into points can make a real difference over a year. Paying with the issuer’s card at ICA supermarkets and Apotek Hjärtat pharmacies adds regular points on each purchase.
Each qualifying purchase in physical stores also adds 20 extra regular points, speeding up reward accumulation. Those points convert into bonuses that lower the cost of future grocery and pharmacy buys.
Shoppers who concentrate routine spending at these partner outlets see the most value. Periodic dubbel bonus offers and dubbel bonus köp campaigns further boost returns on larger trips.
The card works as a Mastercard, so it stays practical for non-store purchases while concentrating rewards in the supermarket and pharmacy categories. In-app views make it simple to track point balances and recent accruals.
For users planning spending around everyday needs, the straightforward structure focuses on steady, usable value. To check current promotions and full terms, läs mer on the issuer’s rewards page.
Managing your card digitally with BankID
Mobile BankID turns a phone into a secure gateway for everyday banking tasks.
With the app and online portal, users can pay bills, move money, and check balances from anywhere. Activation steps are provided during setup so internet banking works as intended.
The digital controls let customers set regional use on or off before travel. They can block a lost or stolen card and order a replacement quickly in the app to reduce fraud risk.
Secure in‑app messaging connects customers directly to support about transactions or settings. The same interface also lets users start fund savings, open accounts, and view insurance and loan products without visiting a branch.
Those who value oversight can see all services where verksamhet finns hemsida and know the issuer står finansinspektionens tillsyn. Relying on BankID and the app supports low‑cash lifestyles while keeping account control close at hand.
SI scholarship holders: ICA Kontantkort specifics
For SI scholars, stipend payments arrive on a prepaid card that must be collected in person from the university contact with valid ID or passport.
The distribution kit comes in three sealed envelopes: one with the plastic, one with the PIN, and one with a password. Nothing is handed to third parties to protect funds and identity.
The card works at any point-of-sale that accepts Maestro worldwide, covering supermarkets, clothing stores, restaurants, pharmacies, health centers, and ticket offices.
Important limits and rules apply. It cannot be used for online purchases, online bill payments, or transfers, and it does not earn ICA bonus credits. Only the Swedish Institute can load money onto the account.
ATM withdrawals are limited: up to 5,000 SEK per occasion at issuer ATMs and 2,000 SEK at other machines. A rolling four-day cap of 15,000 SEK applies. A 3 SEK fee is charged for balance inquiries.
Students should plan purchases and withdrawals to match stipend timing and avoid shortfalls. For example, if a listed belopp 000 or 050 000 ica appears in guidance, compare those sample amounts with monthly needs and arbetsdagar dag ica processing times.
Usage limits, controls, and security
Clear usage limits and quick controls keep everyday banking secure and predictable.
The app and icabanken.se let users open or close the card for specific regions. They can block the card instantly and order a replacement in a few taps.
Real-time notifications and an accessible transaction history help customers spot unusual activity fast. PIN-protected purchases add another layer of security, so users should keep their PIN safe and change it if they suspect compromise.
SI scholarship holders on the prepaid option must follow ATM limits: 5,000 SEK per occasion at issuer ATMs, 2,000 SEK at other machines, and 15,000 SEK total over four days. A 3 SEK fee applies for ATM balance inquiries.
Set alerts and limits based on genomsnittliga köp and regular patterns to avoid surprises. Check that bankens konton omfattas by protections and review the sammanlagda behållning banken and behållning banken belopp in the app before large purchases.
Regulatory oversight and deposit protection context
Regulatory frameworks set limits and timelines for compensation when a bank cannot meet its obligations. The deposit guarantee is a statutory safety net and omfattas statliga insättningsgarantin according to public rules.
Supervision by Finansinspektionen ensures that verksamhet finns under tillsyn and that försäkring står finansinspektionens principles apply. If the banken försatts konkurs, the insättningsgarantin enligt beslut may be activated.
When accounts omfattas statliga schemes, ersättning sammanlagda behållning is calculated per customer. In most cases the belopp motsvarar högst 050 000 and rätt ersättning sammanlagda follows clear rules on combined balances.
If a bank försättas konkurs, ersättning betalas riksgälden and payouts are handled within a set number of riksgälden arbetsdagar dag after claims are verified. Customers with special situations, such as being sjukskriven grund sjukdom, should prepare documentation early.
For questions, check official pages or call tel kundservice/skadeservice 033-47. Written enquiries can be sent to postadress 504 borås for formal claim steps and further guidance.
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How to apply and get approved
Preparing key documents and a working e‑ID cuts delays when applying for a new bank product.
Start by confirming you have valid Swedish identification. Mobile BankID typically speeds online signing and verification and is expected during the process.
Activate internet banking as soon as the account is set up so payments and transfers work immediately. Use the app to enable regional settings before travel and to block the account instantly if it is misplaced.
Students should upload proof of study to get the monthly waiver while studying and the extra free year after graduation. New arrivals must check which documents are accepted to avoid delays with issuance and PIN delivery.
Plan for expected spending by reviewing typical purchase sizes and genomsnittliga köp to set alerts and card controls. Consider adding relevant ica försäkring or other insurance if it fits living or travel needs.
Watch the first statements to confirm rewards at ICA and Apotek Hjärtat post correctly and that any waivers applied. For special cases—such as being sjukskriven grund sjukdom or långvarigt sjukskriven grund—coordinate with support early to smooth processing.
Ready to get started with ICA Banken today
Get set to turn routine grocery runs and travel plans into tangible benefits. The card works where Mastercard is accepted and adds 20 extra regular points at ica apotek and apotek hjärtat on eligible purchases.
Students keep the product free while studying and for one year after graduation, then SEK 25 per month applies. Use the app to set regional controls, block the card, and track rewards in real time.
Consider complementary ica försäkring options so banking and protection align. SI scholarship holders should review ICA Kontantkort rules and ATM limits before relying on it for everyday needs.
