How can I get my invoice?

You can receive your invoice as an e-invoice or paper invoice (29 SEK/month). If you add your invoice as an e-invoice, you avoid the transaction fee, you do it in your internet bank, by searching for invoice recipient "FOREX Kreditkort".

Which purchases can I pay for in installments?

You have the option of setting up all purchases between SEK 3,000 and SEK 20,000 as an interest-free installment. Please note that it must be a complete purchase and must be made within 30 days from the date of purchase. You can post as many purchases as you want provided you have a credit limit that covers your purchases.

How do I create an interest-free instalment?

You can create an interest-free instalment in the FOREX Credit Card app or in the Credit Card Portal.

How do I pay my invoice with Swish?

You pay your invoice with Swish in the FOREX Credit Card app.Here's how: 1. Log in to the FOREX Credit Card app with Mobile BankID. 2. Go to "Invoices" in the menu, where your invoice will be visible as soon as it becomes available (no later than the 25th of the month). 3. Tap "Pay with Swish". 4. Continue with the payment in Swish.

Choose how you want to pay

With FOREX Credit Card you have up to 55 days of interest-free credit. In addition, you choose how you want to pay. Pay the full amount directly or split your payment, minimum 3% of the account debt, minimum 150 SEK. Your purchases are collected on a monthly invoice and if you pay the full amount, no interest will be added.

Choose how and when you pay the invoice

Up to 55 days interest-free credit

Split your payment or pay directly

Interest-free instalments for larger purchases

Pay the invoice with Swish

Pay the way you want

Facts about payments

In the FOREX Credit Card app and in the Credit Card Portal, you can choose to set up an interest-free instalment. You can choose to:

Pay in installments specific purchases between 3 000 - 20 000 SEK that are made within 30 days.
Pay in installments in 6, 12 or 24 months and pay a monthly fee of SEK 57 per month.

The installment payment has 0% interest, but there is a fee of SEK 57 per month. See effective interest rate and calculation examples below*.

ATM withdrawals, currency purchases, bill payments, or balance transfers cannot be paid in installments.

* Fee instalment: 57 SEK per month, example for purchases of 10 000 SEK. 6 months: effective interest rate, 12.27%, total amount to be paid 10 342 SEK, monthly amount 1 724 SEK. 12 months: effective interest rate, 13.12%, total amount to be paid 10 684 SEK, monthly amount 890 SEK. 24 months: effective interest rate, 13.38%, total amount to be paid 11 368 SEK, monthly amount 474 SEK.

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Read the terms and conditions

Facts and calculation examples

With the FOREX Credit Card, you can make payments and withdraw cash. The regular annual fee is 225 SEK. The credit rate is currently 17.24% (2024-12-09), variable. For a credit of SEK 20,000, the effective interest rate is 17.19% when paying by e-invoice (20.84% with paper invoice), and the total amount to be paid is SEK 21,735 when paying by e-invoice (SEK 22,083 with paper invoice). The amount is calculated based on an example where the credit is repaid in 12 months (with an average instalment amount of SEK 1,811 when paying by e-invoice and SEK 1,840 by paper invoice), where 39 interest-free days are used and that the credit is used without a fee for cash withdrawals.

Cash withdrawals within the EU/EEA, including Sweden, cost 2% of the withdrawal amount, but at least SEK 40 per withdrawal. Cash withdrawals outside the EU/EEA and at FOREX (ATM/store) are free of charge. The currency conversion surcharge is 0% on the exchange rate. If the full account debt is not paid at once, the debt must be repaid in monthly instalments of at least 3% of the debt. However, the deposit amount is a minimum of SEK 150, but a maximum of the debt on the account. The administration fee is SEK 29 for paper invoices and SEK 0 for e-invoices. The agreement is valid until further notice and the right of withdrawal applies.

FOREX AB collaborates with Entercard Group AB and is a credit intermediary for debit and credit cards. Creditor: Entercard Group AB (org.nr 556673-0585), SE-105 34 Stockholm, Sweden. The company is under the supervision of the Swedish Financial Supervisory Authority.

Frequently asked questions about payments

The current annual interest rate can be found on your monthly invoice or in the card terms and conditions. To get the monthly interest rate, divide the annual interest rate by twelve. The interest is calculated from the due date of the invoice until the amount is paid.

Please note that you will not pay any interest if you repay the full amount of the invoice by the due date of the invoice.

More questions and answers about FOREX Credit Card

Choose how you want to pay

Choose how and when you pay the invoice

Up to 55 days interest-free credit

Pay the invoice with Swish

Split or pay directly

*Interest-free installment

Monthly invoice

Same OCR and Bankgiro

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Frequently asked questions about payments

How can I get my invoice?

What interest do I pay if I use the credit?

Which purchases can I pay for in installments?

How do I create an interest-free instalment?

How do I pay my invoice with Swish?