Cards

Debit Card

Best deposit and loan interest

The goal of S24 is to always offer the best deposit and credit interest on debit cards. The S24 debit card carries very good deposit interest and is therefore very well suited for savings. Credit interest is also very good. You pay less interest on your overdraft and pay only for the amount you are overdrawn.

The most favourable salary account

The S24 debit card is well suited for salaries and daily use of all kinds, such as household purchases etc.

Your advantage
  • Many option in one card
  • Better interest
  • You can use the card as a cash card and/or salary account
  • No additional service charges
  • No overdraft fee

Credit Card

Good interest on extended repayments

You are given a choice of one of the most advantageous credit cards available on the market with lower annual fees and better interest rates. The S24 credit card is well suited for all types of daily use and you can take advantage of the most beneficial credit terms and monthly payments, all according to your needs.

Your advantage
  • Better interest
  • More advantageous repayment terms for up to 36 months
  • Lower annual fee
  • No interest except on extended repayments
  • No transaction fees
  • ISK 5,000 travellers cheque included with each new card
  • Travellers cheque, both collected by purchases and from cooperating members
  • Complete travel insurance
  • Standing orders/direct debits
  • Well suited for daily use

Gold Credit Card

Better interest on extended repayments

You are given a choice of one of the most advantageous credit cards available on the market with lower annual fees and better interest rates. The S24 credit card is well suited for all types of daily use and you can take advantage of the most beneficial credit terms and monthly payments, all according to your needs.

Your advantage
  • Better interest
  • More advantageous repayment terms for up to 36 months
  • Lower annual fee
  • No interest except on extended repayments
  • No transaction fees
  • ISK 5,000 travellers cheque included with each new card
  • Travellers cheque, both collected by purchases and from cooperating members
  • Complete travel insurance
  • Standing orders/direct debits
  • Well suited for daily use

Netcard S24

Secure on the Internet

There is no longer any need to worry about security when you are making transactions on the Internet because S24 offers a prepaid Netcard without collateral that makes purchases on the Internet more secure.

Your advantage
  • Security on the Internet
  • Lower annual fee
  • No transaction charges
  • No limit
  • Also possible to use for daily purchases

The Netcard does not require any collateral.

Salary Account

Better overdraft interest

The S24 debit card is well suited for salary deposits and all daily use such as household purchases etc. Whether or not you have an overdraft, our deposit and overdraft interest is the most beneficial on the market.

  • Non-index-linked and variable
Your advantage
  • You do not have to move all of your banking business to us
  • We recommend, however, that you make your S24 account your salary deposit account
  • You have the option of higher loans and more flexibility regarding guarantors, etc.

Overdrafts

Better overdraft interest

The S24 debit card comes with very attractive interest rates that are appropriate for customers with overdrafts.

  • Non-index-linked and variable
Your advantage
  • Interest is paid only on the overdrawn amount and there is no authorisation fee.
  • Those who have overdrafts at S24 can save substantial sums based on comparable overdrafts offered by other banks and savings banks.
  • You do not need to move all of your banking business to us.
  • Works well as a salary deposit account

Interest, list of charges and currency calculator

Interest

Interest selected
Deposit Interest  
Debit card 2,20% - 2,80%
Savings account 2,20% - 3,40%
Savings account (Indexed) 2,15%
Credit Interest  
Debit card 10,35%
Charge card 10,95%
Short-term loan 10,60%
Instalment contract 10,30%
More

List of charges

List of charges selected

Debit card annual fee
Annual fee - Credit/LoC card 5.000 kr.
Annual fee - Gold- Credit/LoC card 8.000 kr.
Annual fee - Netcard 1.000 kr.
Annual fee - Internetbank 0 kr.
Transaction fee on the internetbank 0 kr.
Debit card transactions (POS) 13 kr.
Loan fee 1,50%
ATMs outside of Iceland - Maximum withdrawal
Creditcard - 4 times per month 30.000 kr.
Gold creditcard - 4 times per month 60.000 kr.
More

Currency

Currency selected
Country Change  Buy  Sell 
0,31%  194,02  195,31 
-0,03%  21,674  21,818 
0,49%  21,124  21,264 
0,77%  18,295  18,416 
-0,07%  133,65  134,53 
0,07%  1,6071  1,6183 
0,68%  123,36  124,27 
-0,02%  161,13  162,2