Handelsbanken Debit and Charge Card

Our Debit Card gives you easy access to the funds in your account, and our Charge Card enables you to purchase now and pay later

Debit Card

  • Convenience and control
  • Make purchases and cash withdrawals
  • The card is linked to your current account, so money is taken from it directly
  • Spend up to your agreed overdraft limit
  • Make payments with
  • Access

Charge Card

  • A flexible way to pay
  • Make purchases and cash withdrawals
  • Up to 45 days' interest free credit for purchases and cash withdrawals
  • An individually-determined spending limit
  • Make payments with

Get help when something goes wrong

If there’s a problem with something you've bought with your Handelsbanken cards, speak to the retailer first.

In most cases this is the quickest way to get your money back. 

However, if that doesn't work, ask us to help. We may be able to use the Mastercard or Visa (depending on your card) chargeback service to get your money back, if:

  • You don't receive the goods or services you've paid for (including when the retailer has gone out of business)
  • The goods you receive are faulty, counterfeit or defective
  • You're charged the wrong amount
  • You're charged for a subscription you've already cancelled
  • You haven’t got a refund you’re expecting
  • Your account shows a cash machine withdrawal, but you haven’t got all (or any) of the cash. 

We usually need to make a claim within 120 days of the transaction, or when the goods or services were meant to arrive, although this can vary.

We may need supporting evidence for your claim, such as proof of purchase and evidence of what's wrong, so have that ready. Mastercard or Visa have the final decision about whether a claim will be paid.

Chargeback is different to the protection you get for credit card transactions under Section 75 of the Consumer Credit Act (where you can claim against the card provider as well as the retailer). This is because that protection doesn't apply to debit or charge cards.

Don't recognise a transaction?

Check our common reasons for not recognising a transaction first.

If you're still unsure, or you suspect it's fraud, call us immediately on 0800 470 8000 (outside the UK: +44 20 7578 8247).


Handelsbanken cards enable you to make contactless purchases of up to £100 at most retailers. For extra security, occasionally you may need to insert your Handelsbanken contactless card into the terminal and enter your PIN before you can use contactless again.

Card blocking and security

For added security, prevent a card from being used in certain places and channels:

  • In Europe (excluding UK)
  • Throughout the rest of the world
  • Online and via telephone

Your card will always be activated to be used in UK shops unless you have reported it lost or stolen.

To activate this feature, call 0800 470 8000, or go to Individual Online Banking, or the Individual Mobile Banking App then navigate to 'Card settings'.

We take every step possible to keep your card details safe. Read more about our guidelines to help you prevent fraudulent activity on your account(s).

Using your card outside the UK

the globe
Find out more about the fees we charge for non-sterling purchases and cash machine withdrawals made using your Handelsbanken Debit or Charge Card outside the UK.

Become a customer

Find out more about becoming a Handelsbanken customer or call 0800 470 8000 to speak to our Customer Connect team.

Already a customer

To know more, please speak to your account manager at your local branch.



Mastercard: accepted worldwide

You can use your Handelsbanken Debit Card and Charge Card wherever you see the MasterCard symbol.

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