Card know how

Everything you need to know about making the most of your Íslandsbanki card.

Everything you need to know about your Íslandsbanki card.


Learn more about the options offered by your card and click on our video guide to see more about our app and card features.

Card information


This is a practical guide to your card and the various features it offers. You can always use the online chat to speak to us if you need to know more.

Changing your PIN number

You can change your PIN number at all our ATMs.

We want to help you protect your money. Your new PIN number cannot therefore contain any of the digits used in your card number, validity date, identification number and you cannot use numbers that someone could easily guess, such as 1234, 1111 etc.

Find the closest ATM

Spread the cost

Spread the cost to suit your budget. Click on the card you want to use in the Íslandsbanki app to see all your transactions. Click on 'instalments' and 'new instalment' to distribute card payments or enter an amount of your own choice. 

More on spreading the cost

Card payments

How to make card payments using the online bank or app.

Instructions for card payments

Activate your card

Activating your card using the online bank or app is easy. Just follow these simple instructions.

Instructions for card activation

Card billing cycle


You can choose from 3 different credit card billing cycles:

First billing cycle 

Second billing cycle

Third billing cycle

From the 27th of each month to the 26th of the following month.

From the 1st of each month to the 31st of the same month.

From the 12th of each month to the 11th of the next month.

The due date is the 2nd of every month unless the due date is a holiday. In this case, the due date would be the next business day after the holiday.

The due date is the 3rd of the month unless the due date is a holiday. In this case, the due date would be the next business day after the holiday.

The due date is the 17th of the following month unless the due date is a holiday. In this case, the due date would be the next business day after the holiday.

These billing cycles are a digital, paperless option and the bill can only be accessed using our online banking services.

The billing cycle is always the same.

Automatic payments


You can set up automatic payments using your credit card. You can use automatic payments for most of your regular monthly bills, with the exception of loan payments. Automatic payments can cover your energy bill, phone bill, property tax, nursery bill and many other regular bills.

You must contact the relevant company, municipality or institution directly in order to set up an automatic payment.

Contactless payments

You can connect your card to your phone or smartwatch to make easy touch-free payments.

Paying with Android

You can connect your card to your mobile, Fitbit or Garmin smartwatch.

Read more about Android

Paying with iOS

You can connect your card to Apple Wallet and pay with your mobile, watch or tablet.

Read more about iOS

Emergency service and security


Emergency service

We are here to assist you 24/7 if your card has been lost, stolen or if you notice any unauthorised activity. We are also here to help, if you are injured or become seriously ill abroad.

Read more about our emergency service

Secure credit card transactions

You should always take the necessary steps to ensure the security of any transactions you make.

Read more about secure transactions

Video guides

Asked and answered