With Premium you get more and improved services for your P.F.C. card! Examples of benefits you can take advantage of with Premium are:

– Increased cash withdrawals at the ATM. This also applies abroad.
– Access to desirable Offers!
– Block your card for internet purchases and / or ATM withdrawals.
– Keep track of your spending pattern over the past 12 months (regular period is 1 month).
– Opportunity to create more than one savings goal!

We can proudly present Duo, a joint account where you keep your own card, and seamlessly swap between private and shared expenses.

Duo is an optional subscription service with a monthly fee that is automatically deducted from your joint balance.

‍Read more about Duo here

P.F.C. Junior is an adapted P.F.C. card and app for your kids, where they get a card with their own name, which can be used for everything that children need to spend money on.

As a parent you can easily deposit and withdraw money from the child's card and get a good overview of your child's transactions. You also have the opportunity to receive push notifications every time your child uses the card.

It is also possible for a second guardian to join the subscription at no extra cost, in order to be able to overview and manage the child's card. Both guardians can lock the card in the app, should it get lost.

Read more about Junior here

P.F.C. is not a bank. P.F.C. is a Payment Institution according to Payment Services Act (2010:751) and is under the supervision of Sweden’s Financial Supervisory Authority.  We are a digital service for personal finance, without a physical office and in the form of a mobile app.

We don't charge any fees for using P.F.C. day-to-day. The card is free, and has no annual fee. However, we also offer a premium subscription with additional benefits such as a higher ATM free withdrawal limit, which is valuable to customer with the need for cash withdrawals. See our pricing page for more information.

We pass Mastercard's exchange rate directly on to you, and don’t add any fees or additional charges.

There are limits to how much money you can withdraw from and ATM and use to make purchases. These limits apply to your total transactions in store or online as well as ATM withdrawals. There are also limits to how much you can withdraw from an ATM. Read more here.

If you lost your card and if there is no chance that your card details were compromised, you can easily unfreeze it in the app and start using it again. If the card doesn’t show up or if it was stolen, you can order a new card. When you order a new card, the old card will be permanently blocked.

Did you lose both your card and your phone? Call 08-662 96 00 and we will help you to block the card.
If you lose the card you can easily freeze it in the app. This will temporarily block all transactions.

See our full FAQ for more information about possible actions when losing the card.

Flex credit gives you the opportunity to apply for a credit connected to your P.F.C card.

If you apply and are approved for Flex credit, you will have access to a credit that you can use when you do not have a sufficient balance on the card. That way, you never have to stand at the checkout again and wonder whether you have enough money on your P.F.C. card.

The credit only costs when you use it and you only pay interest for the days you go below zero. If you deposit money onto your card so that you are no longer on a negative balance, before midnight on the same day, we do not charge any fees at all.

You need to apply for Flexkredit and get the credit granted to activate the service. With your application we do a credit check with UC. It is visible to other lenders.

It doesn't cost anything to activate the Flex credit. If you choose to use your granted credit, we will charge a fixed interest rate for each day that you have a negative balance on your P.F.C. card. This way, you only pay for the days that you go below zero.
‍
If you make a deposit corresponding to the negative amount on the same day as you used the credit, we will not debit you at all!The interest is fixed and the credit runs indefinitely. Current price information for Flex can be found here.

The first day of each calendar month, you will receive a statement for Flex with a summary of the previous month's used credit. The interest is withdrawn from your balance automatically. You easily repay the used credit by adding money to your P.F.C. card. For more details, see our FAQ-page on paying back flex credit.

You can easily deposit money to your P.F.C-card by using Swish.

Click on the plus icon at the home screen. Type the amount of money you want to deposit. When you click "Swish" you will automatically be transferred to your Swish-app where you can confirm the transfer.

Once you have entered transactions in a Group, you can share the costs between each other in a simple way.

When you are in the selected group, you can see all the group members and also how much you owe each other. The app automatically shares all costs equally between all team members.

Click "Settle" to pay what you owe each other and confirm the payment.

Remember that you only share the costs you have added to the Group. Your balance that you have on your P.F.C.-card can therefore not be shared with others.