What should I do if I have a payment issue with my Holiday Benefits?

Go through the following points:

• If this is your first payment with the physical card, make sure to use your PIN code → How to get the PIN for my Swile card
• Check that contactless payment is enabled → How to enable or disable contactless payment?
• For online payments, make sure online payments are enabled → How to enable or disable online payments?
• Check that your card is still active and hasn’t expired → My card is about to expire, how do I get a new one?
• Make sure your balance is sufficient to cover your purchase.

Holiday Benefits can only be used up to your available balance. Here’s what to do depending on your situation:

• Online: the purchase amount must be less than or equal to your Holiday Benefits balance. If it isn’t, contact the retailer’s customer service to pay in two instalments (Swile card + regular bank card).
• In store: ask the cashier to split the payment — part with your Swile card (make sure to mention it’s a bank card payment) and the rest with your own payment method.

If the problem continues even though your balance is sufficient, report it via the app:

• In the Accounts tab, tap Holiday Benefits
• Select the relevant transaction, then tap Report a problem

Our team will check and offer you a suitable solution.

No worries, we’ll sort it out. Here’s how to let us know:

• In the Accounts tab, find the relevant transaction
• Tap Report a problem

Our team will check eligibility and offer you a suitable solution.

For public transport, you need to pay at ticket machines or kiosks, as well as station counters.