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Card packages

Launch market-ready card products faster by selecting a card package, which is a bundle of features, insurance, and pricing that applies to every card you issue.

When you create a card product, you select a package. Packages come in three tiers: Standard, Essential, and Premium. Each includes different features and pricing.

Card package comparison​

FeatureStandard tierEssential tierPremium tier
Insurance coverageStandardEssentialPremium
Spending limits€10,000€40,000€100,000
Foreign exchange (FX) fees2%1%0%
Card design*Plastic (black or silver)Plastic (black or silver)Metal

*All tiers support branded and custom card designs.

Existing cards

You can't add card packages to existing cards. If you want to offer a card package to existing users, create a new card product and issue new cards.

Configure a card product​

To configure card packages, follow our step-by-step guide to learn how to configure your card product. Once set, the package automatically links to newly issued cards.

Card package billing​

Billing for card packages, whether to you (the Partner) or your user, depends on your Swan contract, the selected card package, and your chosen billing model. Fees include:

  • Card subscription: Monthly fee per active card.
  • FX fees: Applied to non-euro transactions.
  • Physical cards: One-time printing and shipping fee (billed to Partner only).

For more information, see the usage-based billing metrics. For detailed pricing, refer to your T&Cs or submit a request to Swan Support.

Card insurance​

When a card is issued with a package that includes insurance, Swan activates insurance coverage with our insurance partner if the prerequisites are met. No action is required from you or your users.

Prerequisites
  • Account membership: Enabled
  • Account holder verification status: Verified

If the necessary prerequisites are not met, the insurance will not be activated. The status is reflected through the CardInsuranceSubscriptionStatus, and progresses through: Pending → Processing → Enabled, or Canceled.

Insurance is Canceled when the associated card is canceled.

Insurance coverage​

The following tables show the coverage included with each card package.

Coverage: Protection against identity-related fraud and document loss.

What's included

CoverageStandardEssentialPremiumCoverage limitExplanation
Loss or theft of identity documents✓✓✓Up to €350 per year and per claimReplacement costs for lost or stolen IDs, fees, and photos.
Bank card fraud✓✓✓Up to €3,000 per yearRefunds money stolen before the card was reported.
Phishing, vishing, and smishing guarantee✓✓✓Up to €1,000 per yearRefunds financial losses from phishing, vishing, and smishing (above €50).

Insurance claims​

Depending on the type of claim, your user can seek support through Swan, our insurance claims portal, or our emergency assistance provider.

Reporting fraud to Swan​

Fraud and phishing, vishing, and smishing are reported directly to Swan within two days. When a user reports fraud or phishing, vishing, and smishing, we secure the account or card and guide them through the next steps.

Card fraud dispute end user support article

Share the dedicated Support Center article to help your users file their fraud dispute.

Filing a claim through the portal​

In most cases, users should submit the claim through the insurance claims portal in their banking app.

To submit a claim, users must:

  1. Access the insurance claims portal using their Swan account email address. Swan automatically creates an account for the user containing all their covered cards.
  2. Set a password when setting up their account for the first time.
  3. Upload the required documents directly to the portal.

Our insurance provider manages the entire claims process after submission. Users must follow up and track the progress of their claim directly through the portal. If our insurance provider approves the claim, they credit it directly to the cardholder's Swan account.

Customized claims portal

By default, our insurance provider co-brands the claims management interface with your logo and accent color, like your Swan interfaces (Web Banking and consent screens).

Calling emergency assistance (Premium only)​

Users with a Premium card can get urgent help by calling our assistance provider. The phone number is listed in their banking app.

Our assistance provider manages the entire claims process. If they approve the claim, they credit it directly to the cardholder's Swan account.

Claim types and reporting process​

The following table outlines how to report different claim types.

How to report an incident involving identity-related fraud or document loss.

Insurance cover typeHow to reportDocuments required when submitting a claim
Bank card fraudReport to Swan within two business days.- Police report
- Fraudulent usage declaration form
- Transaction details
- Screenshot of disputed transactions
Phishing, vishing, and smishing guaranteeReport to Swan within two business days.- Identity document
- Copy of fraudulent messages (email, SMS, etc.)
Loss or theft of identity documentsSubmit through the insurance claims portal within 30 business days.- Police report (loss or theft)
- Receipt showing replacement identity documents were purchased with a Swan card

Guides​