Customer support

If you are unable to repay the full amount of the used limit, make sure to pay the monthly minimum repayment on the due date to avoid any outstanding debt. Since confirmations or cancellations of transactions made with the card may be received within 30 days after the card's expiration date, we can provide you with a personalized payment schedule no later than 35 days after the card's expiration date.

You can make a bigger monthly payment than the scheduled installment, and we’ll consider it a prepayment on your contract balance. This won’t affect the payment schedule. It’s not possible to pay a smaller installment. It’s also possible to fully or partially repay the credit amount early. In such cases, please contact us via e-mail at card@inbank.ee.

If you don’t transfer the collected cashback to the card account by the date notified, your cashback will expire along with your card. Cashback is calculated on all transactions confirmed until the card is closed.

Both purchase (regardless of the purchase date) and travel insurance are valid only while your card is active. If you have planned a trip that extends beyond the card's expiration date, please arrange a new travel insurance plan with a suitable insurance company.

You can use the airport lounge service only with an active card. As soon as your card is closed, you can no longer access lounges.

The final maintenance fee is debited at the end of the billing period before the card expiration.

To request a statement, please contact us via e-mail at card@inbank.ee or by phone +3726408082.

Starting from August 1, it will no longer be possible to order new cards, including replacement cards. If your card is lost or otherwise unusable, we’ll terminate the contract and you’re required to repay the used credit amount. If needed, the used credit amount can be refinanced.

If you have a subscription (such as Netflix, Google Cloud services, Delfi reading rights, etc.) linked to your Inbank card, please make the necessary payment method changes in time, so you can continue using these services without any issues. Make sure to check your e-mail about any notifications related to the services linked to your Inbank card.

You can dispute a card transaction within six months after the card has been closed. You can dispute the transaction if:
• you do not recognize the transaction and have not authorized it,
• you have not received the ordered goods,
• you returned the goods, but the money has not been refunded to you.
We recommend contacting the merchant first and trying to resolve the issue. If that is unsuccessful, you have the right to dispute the card transaction within six months after the transaction was made. To do so, fill out the "Card Transaction Dispute Form" and send it to our customer support at card@inbank.ee.

If you have returned the goods and/or paid a deposit (e.g., for car rental, equipment rental, etc.), and the merchant refunds the transaction amount after the agreement has ended, contact our customer support at card@inbank.ee and provide the refund details from the merchant. Once the refund reaches us, we will transfer the refunded amount to your Inbank client account, from where you can transfer it further.

The selection of partners is constantly updated. You can see valid offers in the app.

Cashback means you can get money back on your purchases. With Inbank card you can decide which shops or types of shops are the best for you to earn cashback. In the app you can select up to three favourite shops (e.g. Rimi, Kaubamaja, Hortes) or categories (e.g. clothing stores, bookstores), in which you will get 2% of the purchase amount back. Cashback applies regardless of the discounts you may receive with the shop’s loyalty card. We highly recommend that you select all three at once, as you can change your selection again after 30 days.

In addition to your selection and partner offers, we will make short-term special offers for even more cashback.

You can change your cashback selection 30 days after your latest selection. Your selection is valid until you make a new selection. If you are satisfied with your choice, you need not change anything, but will simply continue to earn cashback from your favourite places.

In such cases, you will always get the largest benefit available at the time of purchase. In other words, whichever offer is better applies to you!

You can select the shops or categories where you earn cashback. Check out the options here. You can make your selection conveniently in the Inbank Pay app. Enter the app, go to the offers page, select the cashback account and make your selection.

In the app, you have a separate cashback account, from which it is possible to transfer money to your main account and then use it to pay anywhere, anytime.

You can use the accumulated cashback as you wish. The use of cashback is not linked to a specific partner.

You can see the cashback total in the app under the card limit.

You can find the terms of cashback on the website.

Yes, if you have chosen a shop for cashback, you will earn cashback both in the physical and online shop. For example, if you have chosen Kaubamaja, the cashback offer is also valid in Kaubamaja’s online shop.

Indeed, cashback special offers know no borders and you can also enjoy them while abroad.

Yes, you are free to choose a chain or a service provider that has many shops or service points. In that case, you will earn cashback at all the shops or service points that are part of the retail chain.

The cashback offer applies to all purchases you make in your chosen shop.

If you select the shoe store category, your cashback will only apply at separate shoe shops. If you buy shoes from Kaubamaja's shoe department, then you don’t earn cashback on it. The place of purchase must have defined itself as the place of purchase that corresponds to your cashback choice.

No, travel insurance is valid for you and your family members travelling with you at all times worldwide.

Access to lounge areas is free to holders of the Platinum Metal card. Platinum cardholders must pay 30 € per person to gain access. You do not have to visit the lounge alone, you can bring friends or family members for an extra charge (30 € per person).

Purchase insurance is valid for durable goods purchased with the card (items with a service life of more than 3 years) for 180 days after the purchase. The insurance indemnifies the replacement or repair cost of the item if the item is stolen, damaged, destroyed, or lost.

Purchase insurance is valid for purchases made with the card and a card statement is sufficient to prove the purchase.

Travel insurance is offered by our good partner If Kindlustus. In case of insurance claim or for additional information, contact their representative via telephone +372 777 1211.

We offer you a maximum credit limit that depends on your income and liabilities, but you decide how much of the limit will you use.

Standard card's interest rate starts from 18% and Platinum's from 12%. To receive a personal offer, submit an in-app application.

With Standard card, the minimum repayment is 3% of the used credit limit. Of course, you can also repay the entire limit used or an amount of your choice.

You can withdraw cash from all ATMs that serve Mastercards. You can find the cash withdrawal service fee in the price list.

You can repay the used limit from your home bank's account. Payment details can be found in the Inbank Pay app when initiating a payment.

When ordering a card, you can start using a virtual card immediately. You can find the card data required for making transactions in the app.

Yes, the card can be closed over the phone. Contact our customer service +372 640 8082

We will issue the primary card free of charge. When ordering a replacement card, a fee according to the price list price list is applied to cover the costs related to the production of the card.

If you forget your PIN, you can always look it up in the app.

You can see and change your card's usage limits in the app.

You can activate the card in the app or by making a purchase using your PIN code.

You can change the PIN code at any ATM. Follow the instructions on the ATM to change the PIN.

With the Platinum Card, each lounge visit costs 30 €.

We will stop issuing new cards from 01.08.2024.

We will stop issuing new cards from 01.08.2024.

Block the card in the app immediately or contact our customer support at card@inbank.ee +372 640 8082. If you happen to find the card, you can reactivate the card in the app or by contacting customer support. If the account statement contains transactions that you have not made yourself, fill in the Card Transaction Dispute Application and send it to customer support at card@inbank.ee.

If your account statement contains transactions that you have not made, block the card immediately or call our customer support at +372 640 8082. If the transaction with the card has not been made by you, you have the right to dispute it. You can find the application for contesting card transactions on our website. Please fill in the application and forward it to our customer support at card@inbank.ee.

If you did not receive the correct amount of cash from the ATM, fill in the Card Transaction Dispute Application and send it to our customer support at card@inbank.ee.

Due to the sanctions imposed, it is not possible to use Inbank cards in Russia and Belarus for payments, cash withdrawals and online shops.

When making a purchase, Apple Pay uses a device-specific number and a unique transaction code. Your full card number is not stored on your device or Apple's servers and is not shared with merchants. Because Apple Pay does not store transaction information that could be associated with you, all purchases are private. If you lose your phone or other Apple device, you don't have to close the card because the card information isn't stored on your phone. You can read about security and privacy here.

To see latest transactions with a specific card, open your Wallet and click on the card. The transactions with this card will be displayed on screen

To pause or stop payments with Apple Pay by using your device, open your Apple ID account page or use the Find My iPhone app on your iPhone or iPad. This will suspend or remove your cards from Apple Pay even if your device is currently offline and not connected to a cellular or Wi-Fi network. For more information, visit here.

You can continue using the physical card even if you have stopped using the card in Wallet.

When using Apple Pay, no service fees are added, the standard card payment service fees apply according to the price list.

Contactless payment means paying with a card by simply holding the card above the payment terminal. Contactless transaction technology, which is widely used in the world, is used for contactless payments. You can start using the contactless payment option if you have made one transaction in the payment terminal after activating the card, which was confirmed using your PIN code.

Inbank cards have a contactless payment option. If you wish, you can turn it on or off in the app.

You can start using the contactless payment option if you have made one transaction at a payment terminal after activating the card, which you confirm by using your PIN code. If you wish, you can turn the contactless payment on or off in the app.

In each country where contactless payments are allowed, there is a national limit on transactions, which varies from country to country. You can find the limits for foreign contactless payments here. If the purchase amount exceeds the transaction limit, you must enter your PIN code. Depending on the payment terminal, it may also be necessary to insert the card into the terminal.