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Current account

Current account

A start for daily banking services

  • Transfers, cash, card payments
  • Costs of daily settlements under control with SEB Plans

Current account is the most common bank account, to which nearly all of our provided services are tied. 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.

Current account is the most common bank account. Your money is safe there and our flexible services help you use it according to your needs.

A current account enables you to:

  • make payments in electronic bank channels or offices
  • receive domestic and cross-border receivables
  • transfer money to your account by bank transfer or in cash
  • withdraw cash from ATM or bank office
  • obtain account information from electronic channels or bank office
  • use bankcards, Internet Bank and Telephone Bank
  • sign direct debit and standing payment order contracts in Internet Bank or at a bank office

Opening a current account

  • To open your first current account, visit your nearest bank office and show your identity document
  • A current account can be opened by a person, who is at least 18 years old
  • You can open the current account without initial deposit in currencies, quoted by the bank
  • Further current accounts may be later opened via Internet Bank and Telephone Bank

For children younger than 18 only legal representative can open account. Opening current account helps the  child learn to use everyday banking services – bank card, ATM and Internet bank.

Possibilities for child’s current account

  • The child can make deposits and withdraw cash from ATMs and carry out transactions at ATMs or in bank branches.
  • The child can get information about their account form electronic banking channels and branches.
  • Until the child turns 7, the legal representative of the child withdraws and deposits cash and makes transactions on the child’s behalf. When the child turns 7, these transactions can be performed by the child if their parent/guardian gives them written consent to use the account independently.
  • When the child turns 7, a bank card can be ordered for the child or an Internet bank or mobile bank contract can be entered into. The legal representative of the child can specify the user limit for the bank card and Internet bank, limiting the amounts of single payments and daily and monthly transactions.

Opening a current account for child

  • The child’s ID card or passport must be submitted to open an account.
  • The legal representative of the minor (parent or guardian) must be present when an account is opened for the child.
  • The legal representative must submit their identity document and the child’s birth certificate or the document with which he or she has been appointed the minor’s guardian

Execution of cross-border payments will be more convenient, fast and precise if you use the international bank account number IBAN.

The only acceptable beneficiary’s account number for cross-border euro payments between the European Union and the European Economic Area member states is the account number, which corresponds to the IBAN standard.

How to use IBAN for cross-border payments

  • Enter to the payment order the beneficiary’s international bank account number IBAN and BIC as the requisite information for the beneficiary’s bank.
  • Using only the IBAN for the beneficiary’s account number does not guarantee automatic processing of cross-border payments. In addition, the beneficiary’s bank must be uniquely identifiable. To specify the beneficiary’s bank, use the BIC combination.
  • BIC is a unique combination of letters and numbers, used for identification of the bank.

How to use IBAN upon receipt of cross-border receivables

  • Find the IBAN corresponding to your account number.
  • You can calculate the IBAN with the help of calculator.
  • Forward the IBAN to your foreign partner.
  • The foreign partner will fills in a payment order at his bank, entering IBAN as the beneficiary’s account number.

Estonian IBAN has 20 digits: A six-character combination of letters and number is added to the current Estonian account number. IBAN begins with a two-letter country code (EE for Estonia), followed by a two-figure check digit and thereafter a two-digit bank code and the Estonian domestic account number.

Example of Estonian IBAN: EE90 1010 1234 5678 9012.

IBAN calculator

Information about e-residency and opening an account

Our goal is to provide our clients with solutions that meet their requirements while adhering to the demands of valid legislation.

According to the Estonian Money Laundering and Terrorist Financing Prevention Act, upon opening an account in the credit institution or upon the first use of another service, credit institutions operating in Estonia are required to identify the person participating in the transaction or using the service while being present at the same place as the person or the person’s representative. Identifying a person without being present at the same place as the person is permitted only under exceptional circumstances and only for a limited range of services.

E-residency provides access to Estonian e-state services without requiring physical presence; it also simplifies contractual relations between persons. In light of the above, e-residency and digital ID currently do not enable opening a bank account at AS SEB Pank without going to a bank office. Digital ID does, however, enable you to use the bank’s services after opening an account.

In case you have any questions please do not hesitate to contact our Customer Support at +372 665 5100, call us via Skype (username seb.eesti) or send a message via Internet Bank menu „Contact“ →“Write to customer service“.

Succession operations at the bank

Succession certificate

To enter into transactions with estate, the successors must present a succession certificate to the bank.

To obtain a succession certificate, the successors have to contact a notary.

Common disposition of successors or estate division contract

In general, in order to enter into succession transactions, all successors need to be present. If it is not possible for the successors to visit the bank together, please send the succession documents by e-mail at and we will try to find a suitable solution for you.

If the successors have concluded an estate division contract or any other contract at a notary, whereby the successors have divided the estate between themselves, please present this contract.

Minor successor and court’s consent
(The same principles apply to an adult successor with restricted active legal capacity)

If there are one or more minor successors among the successors, then the court’s consent is required for entering into succession transactions. To obtain the consent of the court, a representative of the minor successor shall have to contact the court.

The court will give its consent with a court ruling. Transactions with the estate can be executed after the court ruling has entered into force. For that purpose, we ask the representative of a minor successor to present the court ruling, to which the court has enclosed its note on entry into force.

If the minor is the only successor, then the court’s consent is required only if the representative wishes to sell the pension fund units or other securities inherited by the minor. In other cases, the court’s consent is not necessary.

Please send the succession documents first by e-mail at . Then, we will contact the successors within 3 working days at the latest and agree on a time for concluding the succession transactions. Please notify us of the branch where you would like to conclude the succession transactions or receive consultation.


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