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SEB – Your home bank

It is reasonable to take all banking services from one place - your home bank. The more services you have at SEB, the more appropriate and integrated a solution we can offer you.

Why should you choose SEB as your home bank

 

Kohvik

Comfort and benefit in your daily life

At SEB the costs of your daily settlements are under control. Furthermore, we help you to start saving money easily and without you even noticing.

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  • SEB Plans help you keep the costs of your daily settlements under control. SEB Plans combine all daily banking services essential to you. The services are more favourable under an integrated plan and this way you can save a notable amount of money per year with the most suitable plan.
  • Digital Coin Jar helps you to start saving money easily and without you even noticing. Digital Coin Jar rounds up all payments made with your debit card to the next euro and transfers the difference between the rounding up and the amount paid to your savings deposit.
 

Rattasõit

Ensuring financial welfare of the family

We give you professional advice and help you and your family arrange your financial matters. It is easier for you to be vigilant about your financial matters when you gather all your banking products and services under SEB.

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  • We have experienced and professional private advisors in every county centre across Estonia, who will advise you personally in all fields of banking services essential to you.
  • During the consultation we will review your financial matters together and compile a comprehensive solution suitable for you and your family. We will:
    • review the costs of your daily settlements together and find a settlement plan suitable for you;
    • introduce different possibilities for saving money;
    • discuss which financing needs may occur for you and see what is the best way to fulfil these;
    • talk about how the bank can ensure that the future of your children is financially more secure;
    • advise you how to protect yourself against the unexpected events in life and chart the insurance needs of you and your family. We will introduce you to the possibilities of both life insurance and property insurance;
    • compile a Pension Plan corresponding to your wishes. We will review together that the pension products and contributions correspond to set goals.

In order to learn about your financing possibilities sign up for a consultation.
 

PZU Kindlustus* is the provider of property insurance.

* PZU is the trademark of AB “Lietuvos draudimas” Estonian branch. AB “Lietuvos draudimas” is a Lithuanian non-life insurance company, belonging to the international PZU Group.
AS SEB Pank and AS SEB Liising act as the insurance agents of the Estonian branch of AB “Lietuvos draudimas”, and are entered in the list of insurance intermediaries published on the website of Financial Supervision Authority. The list is available at www.fi.ee.
 

Margid

Distribution and increasing of savings

We will provide professional advice and help you save and invest money wisely so that you would feel secure about the future.

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  • We have experienced and professional private advisors in every county centre across Estonia, who will advise you personally in all fields of banking services necessary for you. We offer solutions for both novice and experienced investors.
  • We will help you set a pension goal and calculate how much you would probably need to save to achieve your goal.
  • The selection offers strategy funds, that aim at a more stable rate of return over a long period of time; the investment philosophy of these funds is based on combining seven asset classes according to the market situation.
  • The selection of our funds covers various asset classes and markets from bond funds with low risk level to various alternative funds, which are intended for the more experienced, informed and active investor.
  • There are internationally recognised fund managers working at SEB and due to that you can feel more secure with us.

In order to learn about your financing possibilities sign up for a consultation.

 

Noored

The beginning of an independent life

You can find reasonable solutions at particularly favourable prices at SEB intended specifically for young people. As your home bank, we wish to help you in expanding your financial world.

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  • The Youth Plan offers all settlement services for EUR 0.32 per month. The Youth Plan will also include
    • free Virtual Card for safe purchases over the Internet;
    • Securities account without maintenance fee for starting investing in Baltic securities.
  • Only SEB ISIC Card combines student card, bank card and more than 60 000 discounts from Estonia and elsewhere in the world.
  • You can design a bank card with your own picture! You can choose a picture suitable for your card from the designs created by us or from your own favourite images.
  • Digital Coin Jar helps you to start saving money easily and without you even noticing.
  • We offer you student loan to cover the costs related to studies.
  • We will help you make an informed decision on the selection on mandatory funded pension fund.
     
The initial annual percentage rate of charge of a student loan is 5.55% under the following sample conditions:
• the loan amount in the first year in amount of EUR 1,920 is immediately disbursed upon conclusion of the contract;
• fixed interest rate 5% p/a on the loan balance;
• monthly fee of current account EUR 0.30;
• repayment within one year in 12 monthly instalments.
The total amount of repayments payable by the client is EUR 1,972.59 and total amount is EUR 1,976.19. The annual percentage rate of charge, amount of repayments and total amount may increase, if the repayment occurs over a longer period of time.
 

Majaplaan

Acquiring your own home

We will create a personal solution for financing the acquisition of your own home in collaboration with you and we will take responsibility for the quality of the solution. We will stand by you through good and bad times so that you will always feel secure in your new home.

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  • Our private advisors give you personal advice by reviewing your needs as an integrated whole.
  • We offer various interest solutions (Euribor with different durations or fixed base interest) and with a loan term up to 40 years for home loans.
  • We offer unique SEB loan protection insurance for managing loan risks, which covers loan payments during temporary loss of employment or incapacity for work and the entire loan balance in the event of death or severe health impairment of the recipient of the loan.
  • As an SEB client property insurance is favourable for you so that you would feel protected against risks.
  • The loan is issued together with New home card , which gives you some of the home-related special offers from our good co-operation partners.
  • If you have fulfilled your financial obligations impeccably, we will promise you that you can use up to a 12-month grace period from the principal amount of your loan either consecutively or in parts at the time most convenient for you.
  • We will stand by you. Even during financially difficult times we will give our best efforts to finding the solution best suitable for the client who is co-operative and focussed on finding solutions. If you have any difficulties in repaying your loan, do not postpone contacting us.

In order to learn about your financing possibilities sign up for a consultation.
 

PZU Kindlustus* is the provider of loan protection insurance in the event of loss of employment and property insurance.

* PZU is the trademark of AB “Lietuvos draudimas” Estonian branch. AB “Lietuvos draudimas” is a Lithuanian non-life insurance company, belonging to the international PZU Group. AS SEB Pank acts as the insurance agent of the Estonian branch of AB “Lietuvos draudimas”, and is entered in the list of insurance intermediaries published on the website of Financial Supervision Authority. The list is available at www.fi.ee.

The initial annual percentage rate of charge of a home loan is 2.45% under the following sample conditions:
  • loan amount EUR 40,000 is paid out upon conclusion of the contract;
  • interest rate 2.3% p/a on loan balance (the interest rate consists of 6 month EURIBOR and a margin of 2.3%; as at 3 March 2017, the 6 month EURIBOR rate was –0.237% (when calculating the interest, the negative EURIBOR value is considered equal to zero); the EURIBOR fixed in the contract may change every 6 months, the margin is fixed until the end of the contract);
  • repayment within 30 years in 360 monthly annuity payments;
  • contract fee EUR 400 is paid upon conclusion of the contract;
  • monthly fee of current account EUR 0.30.
The total amount of repayments payable by the client is EUR 55,665.18 and the total amount is EUR 56,173.18.
A mortgage shall be established over the real estate to secure the loan and the real estate shall be insured. The costs of establishing and insuring the pledge are not included in the annual percentage rate.
 

Suvemaja

Preserving and improving your standard of living

We will give you professional advice on topics essential to you. We will make changing homes, amendment of loan contract, refinancing of a loan or acquisition of a summer home as simple and comfortable for you as possible. We will also offer solutions for insuring the future of your children and your own pension years.

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  • Together with our professional private advisor you can learn everything about the requirements and possibilities of amendment of a loan contract, refinancing or changing home and get an exact overview of the current situation of all your financial matters.
  • In connection with the loan
    • we offer Euribor with different duration or fixed base interest for a home loan. If the risk level of your loan has not changed, amendment of base interest (e.g fixing) does not bring along any change in the interest margin;
    • in order to manage loan risks, we offer unique SEB loan protection insurance, including insurance in the event of loss of employment, for both an existing and a new loan;
    • we will also give you New home card, which gives you special offers;
    • if you have fulfilled your financial obligations impeccably, you can use up to a 12-month grace period from the principal amount of your loan either consecutively or in parts at the time most convenient for you.
  • We will compile Pension Plan corresponding to your wishes. We will review together that the pension products and contributions correspond to set goals.
  • We will talk about how the bank can ensure that the future of your children is financially more secure. You can use solutions to accumulate savings capital for your children that ensure capital from the first contribution even in the event that the child loses his/her parent during the accumulation period.

In order to learn about your financing possibilities sign up for a consultation.
 

PZU Kindlustus* is the provider of loan protection insurance in the event of loss of employment.

* PZU is the trademark of AB “Lietuvos draudimas” Estonian branch. AB “Lietuvos draudimas” is a Lithuanian non-life insurance company, belonging to the international PZU Group. AS SEB Pank acts as the insurance agent of the Estonian branch of AB “Lietuvos draudimas”, and is entered in the list of insurance intermediaries published on the website of Financial Supervision Authority. The list is available at www.fi.ee.

The initial annual percentage rate of charge of a home loan is 2.45% under the following sample conditions:
  • loan amount EUR 40,000 is paid out upon conclusion of the contract;
  • interest rate 2.3% p/a on loan balance (the interest rate consists of 6 month EURIBOR and a margin of 2.3%; as at 3 March 2017, the 6 month EURIBOR rate was –0.237% (when calculating the interest, the negative EURIBOR value is considered equal to zero); the EURIBOR fixed in the contract may change every 6 months, the margin is fixed until the end of the contract);
  • repayment within 30 years in 360 monthly annuity payments;
  • contract fee EUR 400 is paid upon conclusion of the contract;
  • monthly fee of current account EUR 0.30.
The total amount of repayments payable by the client is EUR 55,665.18 and the total amount is EUR 56,173.18.
A mortgage shall be established over the real estate to secure the loan and the real estate shall be insured. The costs of establishing and insuring the pledge are not included in the annual percentage rate.
 

Pensionärid

Comfortable time of maturity

We offer valuable integrated solutions, which are intended precisely for people of a more mature age and enable you to organise your everyday financial matters more comfortably.

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  • We offer to the SEB client who is at least 65 years of age SeniorPlan, which offers settlement services for just EUR 0.32 per month.
  • We offer you Pharmacy Bank Card, which gives you discounts in all Benu and Apteek1 pharmacies across Estonia.
  • We introduce to you different solutions for pension payments from the products in the second pension pillar and the third pension pillar.
  • As an SEB client property insurance is favourable for you so that you would feel protected against risks.
  • Experienced consultants at SEB across Estonia will give you personal advice into which deposit or fund you should invest your savings.

Sign up for consultation.
 

PZU Kindlustus* is the provider of property insurance.

* PZU is the trademark of AB “Lietuvos draudimas” Estonian branch. AB “Lietuvos draudimas” is a Lithuanian non-life insurance company, belonging to the international PZU Group.
AS SEB Pank and AS SEB Liising act as the insurance agents of the Estonian branch of AB “Lietuvos draudimas”, and are entered in the list of insurance intermediaries published on the website of Financial Supervision Authority. The list is available at www.fi.ee.
 

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