Ålandsbanken Premium Gold (Premium Banking) credit card 2026: price, benefits and effective annual interest rate (APR)
In October 2026 Ålandsbanken's Premium Gold belongs to the Premium Banking service costing €17/month, and includes travel insurance without paying with the card, extensive purchase protection and four Priority Pass visits per year. The currency conversion markup of 1.95% is the lowest of the bank cards in the comparison, but the bank does not publish an effective annual interest rate (APR).
Effective annual interest rate (APR)
Not published effective annual interest rate (APR)
The provider does not publish an effective annual interest rate (APR) or an example calculation in the open sources. According to the price list, credit interest rate 3-month Euribor + 9.5% (the general price for credit cards). Interest-free period of up to 40 days. Credit limit €1,000-10,000.
The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).
The cap on consumer credit interest is 17.50% for the period 1 July 2026-31 December 2026. See the interest rate cap and its sources.
Ålandsbanken Premium Gold (Premium Banking): price
| Monthly price | €17.00/month |
|---|---|
| Annual price | not published |
| Terms affecting the price | The card is available only in the Premium Banking service, whose monthly fee is €17.00/month (€8.50/month for a spouse); the card's monthly fee and the Prime account's monthly fee are included. No account management fee is charged. |
| Who can apply | According to the price list, Premium Banking suits a customer who has loans or investments worth at least €100,000. Credit information is checked when the card is applied for. |
Credit terms
| Credit limit up to | €10,000 |
|---|---|
| Interest margin | 9.50% |
| Interest-free period | 40 days |
| How the interest is set | According to the price list, credit interest rate 3-month Euribor + 9.5% (the general price for credit cards). Interest-free period of up to 40 days. Credit limit €1,000-10,000. |
Benefits
| Travel insurance | Zurich travel insurance for domestic and foreign trips worldwide, valid without paying with the card, until the cardholder turns 80. Insured are a spouse travelling along, and children and grandchildren under 23. |
|---|---|
| Lounge | Priority Pass: 4 visits per year (not included in the spouse's or the 18-29-year-olds' Premium Banking packages). |
| Withdrawals abroad | Withdrawal in euros with the credit function €1.50 + 2%, in a currency other than euro €2.00 + 3%. |
| Currency conversion markup on card payments | 1.95% |
| Purchase protection | Purchase protection for 2 years and warranty extension up to five years from purchase, no excess; price protection in Finland for 30 days; identity theft insurance. |
|---|---|
| Cashback or points | No cashback. The card supports Baltic Sea protection. |
| Other | Concierge service, Hole-in-One insurance, own Premium contact person. |
Bank and packages
Related guides
Sources
- Ålandsbanken Premium Goldretrieved 16 October 2026
- Ålandsbanken: Premium-edutretrieved 16 October 2026
- Ålandsbanken: Premium-korttivakuutuksetretrieved 16 October 2026
- Ålandsbanken: Premium Banking päivittäiset pankkipalvelutretrieved 16 October 2026
- Ålandsbanken: Hinnastoretrieved 16 October 2026
Data checked 16 October 2026. Check current terms and prices with the provider.
Pankkitutka has no advertising links for credit products: the links always go to the provider's own site.
Frequently asked questions
How much does Ålandsbanken Premium Gold (Premium Banking) cost?
In October 2026 Ålandsbanken Premium Gold (Premium Banking) costs €17.00/month. The card is available only in the Premium Banking service, whose monthly fee is €17.00/month (€8.50/month for a spouse); the card's monthly fee and the Prime account's monthly fee are included. No account management fee is charged. no effective annual interest rate (APR) has been published.
What is the effective annual interest rate (APR) of Ålandsbanken Premium Gold (Premium Banking)?
In October 2026 Ålandsbanken Premium Gold (Premium Banking): no effective annual interest rate (APR) has been published, and the provider does not publish an example calculation. According to the price list, credit interest rate 3-month Euribor + 9.5% (the general price for credit cards). Interest-free period of up to 40 days. Credit limit €1,000-10,000. The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).
What benefits does Ålandsbanken Premium Gold (Premium Banking) include?
In October 2026 Travel insurance: Zurich travel insurance for domestic and foreign trips worldwide, valid without paying with the card, until the cardholder turns 80. Insured are a spouse travelling along, and children and grandchildren under 23. Lounge: Priority Pass: 4 visits per year (not included in the spouse's or the 18-29-year-olds' Premium Banking packages). Cashback or points: No cashback. The card supports Baltic Sea protection. Currency conversion markup on card payments: 1.95%. no effective annual interest rate (APR) has been published.