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Virtual Card

Virtual Card

Best solution for Internet purchases

  • Short term
  • Limit matching the purchase
  • Immediately ready for use

Only in SEB, you can formalise a unique virtual card, which may be used to make safe payments for the goods and services in Internet stores. You can formalise the card in Internet Bank and it is immediately ready for use.

  • Virtual card is unique in Estonia
  • The safest bankcard for Internet purchases. You can assign a limit, required for the specific purchase
  • The short, 40-day term of validity of the card helps to prevent card frauds. Even if an impostor is able to gain possession over your card data after the purchase, he has no use for them, since the card has no funds and it will expire soon.
  • The card is valid worldwide in all virtual stores, where you can pay with a VISA card.
  • The best solution for Internet purchases, if you do not have a credit card. Virtual card is exactly like a credit card, only with no physical existence.
  • Compared to credit cards, a virtual card is much easier to apply. You can use the card immediately after placing the order.
  • You can order a virtual card only in Internet Bank. No physical card is prepared
  • The card is valid 40 days
  • When ordering, you may assign the card a purchase limit in amount up to EUR 3,500.
  • You can use one card for purchasing from different Internet stores or order a new card for each purchase.
  • Likewise to a credit card, also the virtual card has a three-digit security feature CVV2, necessary for purchasing and making the use of the card safe on the Internet.

Read more about the virtual card conditions

  • Select payment with VISA credit card as means of payment
  • Enter the card data: card number, validity and security feature CCV2
  • Card number, validity, security feature, limit and free funds can be viewed only in Internet Bank.
  • You can carry out transactions within the amount available in your account and the assigned limits.
  • Select “Virtual card application” in Internet Bank
  • Assign the card limit, i.e. the amount, required for the purchase, considering also the spreads and transportation costs of goods.
  • You can use the card immediately after placing the order.
Ordinary cards  
1. MC debit card, MC contactless debit card, VISA Electron debit card  
issue  

   first card to account

free of charge

   every next card to account

EUR 3 (1)
prolongation free of charge
replacement EUR 3
monthly fee EUR 1
2. MC Business debit card, VISA Business debit card  
issue  

   first card to account

free of charge

   every next card to account

EUR 3 (1)
prolongation free of charge
replacement EUR 3
monthly fee EUR 1,50
3. VISA Gold debit card  
issue  

   first card to account

free of charge

   every next card to account

EUR 3 (1)
prolongation free of charge
replacement EUR 3
monthly fee EUR 1.50
4. Pildikaart debit card for private individual  
issue, replacement, prolongation EUR 3.20
monthly fee EUR 1
5. Pildikaart debit card for legal entity  
issue, replacement, prolongation EUR 5
monthly fee EUR 1.50
ISIC and ITIC cards  
1. ISIC Tudeng (Student)  
issue, replacement, prolongation EUR 6.33
extension of the right to use the card EUR 4
monthly fee EUR 0.50
2. ISIC Õpilane (Scholar)  
issue, replacement, prolongation  
-   until the age of 20 free of charge
-  from the age of 20 EUR 6.33
extension of the right to use the card from the age of 20 EUR 4
monthly fee EUR 0.50
3. ITIC Õpetaja (Teacher)  
issue, replacement, prolongation EUR 6.33
extension of the right to use the card EUR 4
monthly fee EUR 1
Other cards  
1. Virtual Card  
issue EUR 2
2. Postipank-card  
monthly fee free of charge
3. Temporary-card  
issue EUR 2,50

(1) Ordered from electronic services – free of charge

General transaction and service fees  
1. Payment at a service enterprise (fee for transaction in foreign currency will be added) free of charge
with a Postipank-card transaction is not allowed

with a temporary-card

transaction is not allowed
2. Cash deposit in SEB Estonia ATM’s  
up to EUR 5000 in a calendar month per client (holder of account(s)) with debit and/or credit card free of charge
if the amount exceeds EUR 5000 in a calendar month per client (holder of account(s)) with debit and/or credit card 0,3 % of the deposited amount
3. Cash withdrawal in SEB Estonia, SEB Lithuania, SEB Latvia  ATMs (1)  
   legal entity EUR 0.19 + 0,3% of the withdrawn amount
   private individual  
        up to EUR 1000 in a calendar month per client (holder of account(s)) free of charge

 -  if the amount exceeds EUR 1000 in a calendar month per client (holder of account(s))

0,3% of the withdrawn amount
with a Postipank-card EUR 0.58 per transaction
4. Cash withdrawal in Estonia from cross-use ATMs  
legal entity EUR 2 + 2,5% of the withdrawn amount
private individual EUR 1 + 2,5% of the withdrawn amount
with a Postipank-card transaction is not allowed
with a temporary-card transaction is not allowed
5. Cash withdrawal abroad (fee for transaction in foreign currency will be added)  
legal entity EUR 2 + 2,5% of the withdrawn amount
private individual EUR 1 + 2,5% of the withdrawn amount
with a Postipank-card transaction is not allowed
with a temporary-card transaction is not allowed
6. Fee for transaction in foreign currency (2)  
transaction original currency is other (excl. EUR) 1,5% of the transaction amount
7. Balance inquiry (balance, last transactions)  
from SEB Estonia ATM´s free of charge
from other bank’s ATM EUR 0.40 / per inquiry
8. Fee for change in debit card limit  
over the counter, phone banking operator service EUR 1.60
internet-bank free of charge
9. Preparation of express bank cards EUR 40
10. Debt claim letter of debit card by post EUR 1.28
11. Contractual penalty for use of blocked card, breach of limit or amounts not paid in time EUR 65
12. Debit card finder’s reward/refund for card confiscation and/or Emergency Service user charge in case there is no Emergency Service insurance actual expenses, up to EUR 130
13. Overdraft penalty 0,2% per day
14. Duplicate of POS receipt  
domestic transaction EUR 4
cross-border transaction EUR 8
15. Unjustified demand for refund  
domestic transaction EUR 12
cross-border transaction EUR 16
16. Sending a card by  
registered mail (Estonia and foreign countries) EUR 2.50
mail (Estonia and foreign countries) free of charge
17. Travel insurance Gold (for VISA Gold debit card holders) EUR 69

(1) The transaction is not permitted with a Post Bank or a temporary card in SEB Latvia and SEB Lithuania ATMs.
(2) All claims for Card Operations executed in a foreign currency are received by the Bank from international card organisations (Visa, MasterCard), converted into euros according to their determined exchange rates.

S|E|B

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