It checks all the boxes
Your free-of-charge credit can support you at challenging times or use it for everyday payments such as fuel, taxi, office, supplies or business dinners.
You can link several credit cards to a one business account – order them for employees and individually adjust limits and allowed transactions.
Support for your business trips – Fast Track for quick security control and Priority Pass shortening your waiting time in business lounges.
Effective several credit cards management - order them for employees and individually adjust limits and allowed transactions.
Up to 45 days interest free credit
- Pay for the goods and services in Estonia as well as abroad, including e-shops. When paying in foreign countries, you don’t have to worry about exchanging currency – the bank will perform all necessary conversions automatically.
- Withdraw cash from ATMs in Estonia as well as abroad. A fee is applied for cash withdrawal.
- View transactions information and card balance in ATMs.
- Use your indispensable companion when travelling if you want to book a hotel room or rent a car.
Digital wallets – pay with SEB card in your smart device
- Apple users can use Apple Pay on supported devices for secure and fast payments in stores, apps and online
- Garmin and Fitbit users can add cards to smartwatches for contactless payments in stores
- Add your SEB bank card to your SEB mobile application and use your smart devices for quick and easy payments.
- Any type of activated Mastercard payment card can be added to Digital wallets
Priority Pass
The Mastercard Business credit card can be used as Priority Pass™ membership card to enter more than 1500 airports business lounges worldwide.
The Mastercard Business credit card provides access to the business lounges to cardholder and her/his quests. When using the service, your credit card will be charged the standard lounge visit fee as 32 USD
You can register your Mastercard Business credit card in the Priority Pass homepage or using mobile app (available for both Android and iOS devices) to register your card and use mobile app to enter business lounges. By creating an account at Priority Pass - You can see the lounge visit receipts or other details related Your Priority Pass membership.
You can also use your Mastercard Business credit card plastic to enter airport business lounges. A list of business class lounges is available online www.prioritypass.com.
Service terms and conditions
Fast Track check-in at international airports
Upgrade your airport security experience with Mastercard® Airport Security Fast Track powered by DragonPass. Skip the queue. Maximise your time to relax, shop and dine in the airport.
The Mastercard Business credit card provides Fast Track check-in at no additional charge once a year for one person*).
The list of airports participating in Mastercard® Airport Security Fast Track program
Get the app to enjoy your airport experience
*The service is free of charge for Mastercard Business cardholder for one time per calendar year, Usage exceeding 1 time will be charged according to the pricelist of the airport – the charges will be displayed during registration in the app.
To get access for booking the fast-track service:
- Please make sure that internet purchases are enabled for your Mastercard Business credit card;
- Register your personal account in the Mastercard Travel Experiences mobile app (available on iOS and Android operating systems) or Mastercard website;
- After account registration you are ready to pre-order fast track for your upcoming airport visit.
To book the fast track:
- Choose an airport, number of travellers, and the desired time slot;
- Use your free Fast Track passes or pay using your registered Mastercard Business credit card, the counter of free visits and the service charges as well will be displayed during registration process in the app;
- Receive your eTicket via e-mail or in the app;
- Proceed to the Fast Track zone of the terminal you need and show Airport Fast Track e-ticket to gain access.
In case you lost your card
- Block the card by using the mobile app, Internet Bank, or report this immediately by calling us at +372 665 5100
- In case you still can’t find your card, a new one can be ordered in Internet Bank for business
- Within one week, we will produce and issue a new card and provide you a new PIN code. A defined fee is applied for new card issuance according to the price list
Frequently asked questions
- With a new contactless card, the first transaction shall be made at an ATM or POS terminal at the merchant as usual – the card must be entered into the terminal and transaction confirmed with a PIN. After the first chip transaction, the contactless function is activated and it is possible to make contactless payments.
- You can activate (and deactivate) the contactless function of a credit card in Internet Bank and at a branch.
Contactless payments in SEB are secure and correspond to the required standard. Further security is ensured by the contractual purchase limits and various restrictions, which you can apply depending on your consumption habits.
You can design a personalised bank card only as a customer of SEB. Pick a suitable image for the card from our created designs or from among your own favourite pictures.
- The image files may be either in JPEG, GIF, BMP or PNG format, with maximum file size 10MB and size of the image at least 1036x664 pixels.
If you ordered your card to be delivered to one of our branches, then it can be picked up after four business days in Tallinn and ten days outside Tallinn.
In case your card is delivered to you by post, then it takes approximately 7 business days.
The card is valid for three years. Upon expiry, we will issue you a new card in advance automatically and inform you about the methods of delivery.
You can assign the credit card daily and monthly user limits in Internet Bank for business or in branch and change them according to your needs.
- Daily cash withdrawal limit is the amount, which can be withdrawn from an ATM in one day. Maximum daily cash limit is 3500 EUR.
- Daily limit for purchases and payments is the amount, within which it is possible to make card payments in a day. Maximum daily limit for purchases and payments is 20,000 EUR.
- Monthly limit is the amount, within which it is possible to use the card for payments and withdrawal of cash from ATMs in one month. Assigning a monthly limit is not obligatory. It is possible to connect several cards to single credit limit and set separate limit for each card to control your employees spending?
- Increasing the credit limit will need additional credit decision to be made by the bank.
More about credit cards
Private individual |
|
| 1. Credit card with fixed payment | |
| activating the card (incl. replacement, additional, prolonged card) at a bank office or through the customer support (1) | EUR 5 |
| activating the card (incl. replacement, additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM (4) | free of charge |
| monthly fee | free of charge |
| 2. Picture card with fixed payment | |
| activating the card (incl. replacement, additional, prolonged card) at a bank office or through the customer support (1) | EUR 5 |
| activating the card (incl. replacement, additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM (4) | free of charge |
| monthly fee | free of charge |
| 3. Mastercard credit card | |
| activating the card (incl. replacement, additional, prolonged card) at a bank office or through the customer support (1) | EUR 5 |
| activating the card (incl. replacement, additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM (4) | free of charge |
| monthly fee (5) | EUR 1.60 |
| 4. Picture card credit card (2) | |
| activating the card (incl. replacement, additional, prolonged card) at a bank office or through the customer support (1) | EUR 5 |
| activating the card (incl. replacement, additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM | free of charge |
| monthly fee (5) | EUR 1,60 |
| 5. MC Gold and Premium credit card | |
| activating the card (incl. replacement, additional, prolonged card) at a bank office or through the customer support (1) | EUR 5 |
| activating the card (incl. replacement, additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM | free of charge |
| monthly fee | EUR 7,50 |
| 6. Mastercard Platinum credit card (2) | |
| activating the card (incl. additional, prolonged card) at a bank office or through the customer support (1) | EUR 25 |
| activating the card (incl. additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM | free of charge |
| monthly fee | EUR 10 |
| 7. Mastercard World Elite credit card (3) | |
| activating the card (incl. additional, replacement, prolonged card) at a bank office or through the customer support (1) | EUR 30 |
| activating the card (incl. additional, replacement, prolonged card) in the Internet Bank, the mobile app, or at an ATM | free of charge |
| monthly fee | EUR 30 |
Legal entity |
|
| 1. Mastercard Business credit card | |
| activating the card (incl. additional, prolonged card) at a bank office or through the customer support (1) | EUR 5 |
| activating the card (incl. additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM | EUR 2 |
| issuance of a replacement card | EUR 5 |
| monthly fee | EUR 3 |
| 2. Mastercard credit card-Picture card (2) | |
| activating the card (incl. additional, prolonged card) at a bank office or through the customer support (1) | EUR 5 |
| activating the card (incl. additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM | EUR 3,50 |
| issuance of a replacement card | EUR 5 |
| monthly fee | EUR 3 |
| 3. Mastercard Gold and Premium credit card (2) | |
| activating the card (incl. additional, prolonged card) at a bank office or through the customer support (1) | EUR 5 |
| activating the card (incl. additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM | EUR 3,50 |
| issuance of a replacement card | EUR 5 |
| monthly fee | EUR 7 |
| 4. Mastercard Platinum credit card (2) | |
| activating the card (incl. additional, prolonged card) at a bank office or through the customer support (1) | EUR 25 |
| activating the card (incl. additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM | EUR 20 |
| issuance of a replacement card | EUR 10 |
| monthly fee | EUR 12 |
(1) A card ordered to a bank office always activated by an employee of the bank office when the card is issued.
(2) It is not possible to order new cards starting from 16.04.2024.
(3) The fees applicable to SEB Private Banking client agreement owner are specified in the Private Banking section of the price list.
(4) Replacement cards cannot be activated in ATMs.
(5) The monthly fee does not apply to clients aged 18 to 25 years (incl.).
General transaction and service fees |
|
| 1. Approval of loan limit | free of charge |
| 2. Annual interest of used loan | 18% |
| 3. Credit card with fixed payment (MC credit card, Picture card) | |
| interest on used credit | 18% per year |
| 4. Approval/extension of credit limit | free of charge |
| 5. Security deposit interest rate | one-month term deposit |
| 6. Agreement amendment | |
| loan limit change | free of charge |
| lowering the credit limit | free of charge |
| increasing the credit limit | EUR 10 |
| permanent change of monthly limit | |
| at a bank office | EUR 3.20 |
| internet-bank | free of charge |
| 7. Temporary card´s limit increase | 1,5% of additional limit, min. EUR 8 |
| 8. Regular statement | |
| by e-mail to a legal entity(1) | free of charge |
| by post in Estonia | EUR 0.4 per page, min EUR 4 |
| by post outside Estonia | EUR 0.4 per page, min EUR 10 |
| 9. Single statement at a bank office | |
| for up to last 10 years | EUR 4 |
| 10. Balance inquiry (balance; last transactions) | |
| from SEB Estonia ATM's | free of charge |
| from other bank's ATM | EUR 0.40 / per inquiry |
| 11. Payment at a service enterprise (fee for transaction in foreign currency will be added) | free of charge |
| 12. Cash deposit in SEB Estonia ATM’s (2) | |
| up to EUR 4000 in a calendar month per client (holder of account(s)) with credit and/or debit card | free of charge |
| if the amount exceeds EUR 4000 in a calendar month per client (holder of account(s)) with credit and/or debit card | 0.3% of the deposited amount |
| 13. Cash withdrawal from cash machine or bank office (incl. abroad) Fee for transaction in foreign currency will be added | EUR 2 + 2.5% of the withdrawn amount |
| 14. Transfer of credit limit to current account | EUR 2 + 2% of the transaction amount |
| 15. Fee for transaction in foreign currency (3) | |
| transaction original currency is other (excl. EUR) | 1,5% of the transaction amount |
| 16. Blocking of card by bank | free of charge |
| 17. Debt claim letter | EUR 5 |
| 18. Contractual penalty for use of blocked card, breach of limit or amounts not paid in time | EUR 65 |
| 19. Duplicate of POS receipt | |
| domestic transaction | EUR 4 |
| cross-border transaction | EUR 8 |
| 20. Unjustified demand for refund | |
| domestic transaction | EUR 12 |
| cross-border transaction | EUR 16 |
| 21. Preparation of express bank cards | EUR 40 |
| 22. Sending a card by | |
| mail in Estonia | free of charge |
| registered mail in Estonia | EUR 5 |
| mail outside Estonia | EUR 10 |
| parcel machine in Estonia | EUR 3.20 |
| 23. Using Priority Pass service (4) | EUR 30 per using |
| 24. Using the Priority Pass service with a Mastercard World Elite or Mastercard Business credit card | Mastercard World Elite: free of charge 12 times per calendar year; based on the price list established by the operator of the business lounge starting from the 13th time. Mastercard Business: based on the price list established by the operator of the business lounge. |
(1) Starting from 11.10.2018, it is not possible to order regular account statements by e-mail.
(2) Maximum cash deposit limit per private person (holder of account(s)) in a month EUR 10,000, per business customer (holder of account(s)) EUR 15,000 a month.
(3) All claims for Card Operations executed in a foreign currency are received by the Bank from international card organisations (Mastercard), converted into euros according to their determined exchange rates.
(4) The price is valid for the use of the Priority Pass service with the Priority Pass card specifically issued for this purpose.
Have a question about cards?
- We will help you to find the right solution
- We have a dedicated team of professionals you can trust
- 90% of customers’ requests get feedback in less than 2 hours
Other ways to manage your everyday business expenses
Service plans
Find the most suitable service plan that represents your needs and saves your business funds - a package costs less than each service separately
Merchant solutions
Grow your business’ revenue by accepting payments in ways that are the most convenient for your customers - by using POS reader or e-commerce solution
Financing
Find a suitable solution for the development of your business
A bank in your smartphone
- Quick overview of your account balances
- Convenient way to make and request payments
- Manage your savings goals and bank cards
