What is the Baltic Sea Card?

The Baltic Sea Card is the payment card for a cleaner Baltic Sea. The Baltic Sea Card is the world’s first payment card made from environmentally friendly materials, and it is coupled to the Åland Index. Through the Åland Index, we can help you estimate the carbon footprint of your purchases, and you can use that information to help the environment by supporting environmental organizations or by adjusting some aspects of your lifestyle.

The Baltic Sea Card has all the functions you are used to having, but it is not just any regular card. The Baltic Sea Card takes a stand, and we hope that you too will want to speak for a cleaner environment and a healthier sea.


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the Baltic Sea Card and the Åland Index

The Åland Index works like this

The Åland Index calculates the impact that your card purchases have on the climate based on the average carbon footprint for each category of industry. This means that it can tell whether you have been at the gas station or the florist, but it can’t connect transactions to individual products. This is because there is no climate data available at that level of detail, and also due to privacy concerns.

The index has been created from corporate data provided by Refinitiv and Sustainanalytics. The index shows your carbon footprint both in kilograms and in euros. The price of carbon dioxide used by the index comes from the EPA (U.S. Environmental Protection Agency) and it corresponds to the cost of emissions borne by society in medical expenses, infrastructure costs and so on. These so-called externalities are already factored into the price.

The price is 106 euros per tonne of carbon dioxide. You can get tips from us on how to change your consumption habits or compensate your carbon footprint, for example by environmental initiatives.

  1. The Baltic Sea Card is connected to the Åland Index.
  2. The Åland Index estimates the environmental impact of your card purchases based on the category of the industry.
  3. You can see an estimate of your individual carbon footprint monthly at the online bank and at the mobile bank.
  4. Based on your carbon footprint, you can give back to nature by changing your behaviour or funding local or international environmental initiatives.