With Picture card you can
- Design a personal and distinct SEB card for you. Tens of thousands of people all over Estonia are using this option already
- Pick a suitable image for the card from our created designs or from among your own favorite pictures
- Select either debit or a credit card
- Pay for the goods on the Internet
- Make contactless payments up to 150 euros
- Make contactless payments with your Android phone
Checklist for the applicant of a credit card
When applying for a credit card, you should do a proper homework:
- consider for what and how much credit you need, as well as what would be your sources for repayment
- submit us true and adequate information for making the credit decision
- make it very clear for yourself which costs are involved in taking the credit card
- consider the possibility that your financial situation may deteriorate, and you must be able to repay the credit also when it happens
- examine carefully all credit documents (agreement, information sheet, etc.), before signing
- there are no unsolvable problems and situations, but there are different options – we are your partner, who you should contact well in advance even if you encounter problems with repaying the credit
Compare debit cards
Debit card
- Use contactless function for payments up to 150 euros
- Possibility to use for mobile contactless payments
- Payments in Estonia and abroad
- Cash deposits and withdrawals from ATMs
- No monthly fee with SEB Plans
Gold Debit card
- Priority service at a bank office
- Special offers from our partners
- Priority service by phone on 665 5100, when calling from the number provided in your contact data
ISIC and ITIC cards
- Proves your academic status
- Provides thousands of discounts
- Usable as a public transport card
- Possibility to use for mobile contactless
What to do if your payment card is lost or stolen?
- Report this immediately by calling +372 665 5100 to block the card, or block the card yourself by using the mobile app
- When you block your card, you can order a new payment card immediately
- 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
In case your card is lost or stolen, we suggest blocking it immediately. You can block the card:
- in the mobile app (“Cards” → “Card” → “Blocking”)
- in the Internet Bank (“Cards” → “My cards” → “Block the card”)
- by calling SEB Bank at +372 665 5100 (24/7)
Yes. You can order a card for yourself in the Internet Bank on the page "Cards" → "New card". We send the cards both by post and to the Omniva parcel machine. We can send the card to your residential address, office address or elsewhere in Estonia or abroad, wherever you usually stay or prefer to receive the card at. Sending by ordinary mail in Estonia is free. There is a fee for sending the card to the parcel machine. For minors and owners of the Youth Plan, sending to parcel machines is free of charge. For owners of the Youth Plan, sending cards both via regular mail and to parcel machines is free of charge.
You can view your card’s PIN code in the Internet Bank section "Cards" → "My cards" → "View PIN code".
Yes. You can change the PIN code by using an ATM of SEB.
First you need to activate the card. You can do it either in mobile app or the Internet Bank:
- in the mobile app (“Cards” → “Card”)
- in the Internet Bank (“Cards” → “My cards” → “Activate the card”)
A maximum daily limit for cash withdrawal at an ATM by a debit card is 3500 euros.
You can change cash withdrawal limits:
- in the mobile app (“Cards” → “Settings and limits”)
- in the Internet Bank (“Cards” → “My cards” → “Change data”)
Currently, it is only possible to buy a 1-hour ticket from the validator with a bank card, you cannot buy a discount ticket, nor can you prove the right to ride for free with a bank card. As the vast majority of ISIC card holders have either the right to discount tickets or even the right to ride for free, in order to avoid mistaken full ticket purchases, it is not possible to use ISIC bank cards issued in Estonia to purchase tickets from validators. However, these cards can still be used in the old way – to prove the right to ride, to deposit money onto the card used in public transport and to buy tickets with that money.
Price list
Ordinary cards
1. Mastercard debit card | |
activating the card at a bank office or through the customer support (1) | EUR 5 |
activating the card in the Internet Bank, the mobile app, or at an ATM | free of charge |
activating the prolonged card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card in the Internet Bank, the mobile app, or at an ATM | free of charge |
issuance of a replacement card | EUR 3 |
monthly fee | EUR 1 |
2. Mastercard Business debit card | |
activating the card at a bank office or through the customer support (1) | EUR 5 |
activating the card in the Internet Bank, the mobile app, or at an ATM | free of charge |
activating the prolonged card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card in the Internet Bank, the mobile app, or at an ATM | free of charge |
issuance of a replacement card | EUR 3 |
monthly fee | EUR 2 |
3. Mastercard Gold debit card | |
activating the card at a bank office or through the customer support (1) | EUR 5 |
activating the card in the Internet Bank, the mobile app, or at an ATM | free of charge |
activating the prolonged card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card in the Internet Bank, the mobile app, or at an ATM | free of charge |
issuance of a replacement card | EUR 3 |
monthly fee | EUR 1.50 |
4. Picture card debit card for private individual | |
activating the card at a bank office or through the customer support (1) | EUR 5 |
activating the card in the Internet Bank, the mobile app, or at an ATM | EUR 3.50 |
activating the prolonged card at a bank office or through the customer support (1) | EUR 5 |
activating the 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 1 |
5. Picture card debit card for legal entity | |
activating the card at a bank office or through the customer support (1) | EUR 5 |
activating the card in the Internet Bank, the mobile app, or at an ATM | EUR 3.50 |
activating the prolonged card at a bank office or through the customer support (1) | EUR 5 |
activating the 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 2 |
ISIC and ITIC cards
1. ISIC Tudeng (Student) | |
issue, replacement, prolongation | EUR 7.50 |
extension of the right to use the card | EUR 6 |
monthly fee | EUR 1 |
2. ISIC Õpilane (Scholar) | |
issue, replacement, prolongation | |
- until the age of 20 | free of charge |
- from the age of 20 | EUR 7.50 |
extension of the right to use the card from the age of 20 | EUR 6 |
monthly fee | EUR 1 |
3. ITIC Õpetaja (Teacher) | |
issue, replacement, prolongation | EUR 7.50 |
extension of the right to use the card | EUR 6 |
monthly fee | EUR 1 |
Other cards
issue | EUR 3 |
(1) A card ordered to a bank office always activated by an employee of the bank office when the card is issued.
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 temporary-card | transaction is not allowed |
2. Cash deposit in SEB Estonia ATM’s (1) | |
up to EUR 4000 in a calendar month per client (holder of account(s)) with debit and/or credit card | free of charge |
if the amount exceeds EUR 4000 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 (2) | |
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 |
4. Cash withdrawal in Estonia from other banks ATMs | |
legal entity | EUR 2 + 2,5% of the withdrawn amount |
private individual | EUR 1 + 2,5% of the withdrawn amount |
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 temporary-card | transaction is not allowed |
6. Cash withdrawal at a service enterprise (fee as per price list of the enterprise to be added) | free of charge |
7. Fee for transaction in foreign currency (3) | |
transaction original currency is other (excl. EUR) | 1,5% of the transaction amount |
8. Balance inquiry (balance, last transactions) | |
from SEB Estonia ATM´s | free of charge |
from other bank’s ATM | EUR 0.40 / per inquiry |
9. Fee for change in debit card limit | |
at a bank office | EUR 2.50 |
internet-bank | free of charge |
10. Preparation of express bank cards | EUR 40 |
11. Debt claim letter of debit card by post | EUR 1.28 |
12. Contractual penalty for use of blocked card, breach of limit or amounts not paid in time | EUR 65 |
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 | |
mail in Estonia | free of charge |
registered mail in Estonia | EUR 5 |
mail outside Estonia | EUR 10 |
parcel machine in Estonia (4) | EUR 3.20 |
(1) 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.
(2) The transaction is not permitted with a temporary card in SEB Latvia and SEB Lithuania ATMs.
(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) Sending the card to parcel machine in Estonia is free of charge for the owners of Junior Plan and SEB Youth Plan.
Private individual |
|
1. Credit card with fixed payment | |
activating the card at a bank office or through the customer support (1) | EUR 5 |
activating the card in the Internet Bank, the mobile app, or at an ATM | free of charge |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | free of charge |
issuance of a replacement card | EUR 5 |
monthly fee | free of charge |
2. Picture card with fixed payment | |
activating the card at a bank office or through the customer support (1) | EUR 5 |
activating the card in the Internet Bank, the mobile app, or at an ATM | EUR 3,50 |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | EUR 3,50 |
issuance of a replacement card | EUR 5 |
monthly fee | free of charge |
3. Mastercard credit card | |
activating the card at a bank office or through the customer support (1) | EUR 5 |
activating the card in the Internet Bank, the mobile app, or at an ATM | free of charge |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | free of charge |
issuance of a replacement card | EUR 5 |
monthly fee | EUR 1.60 |
4. Picture card credit card | |
activating the card at a bank office or through the customer support (1) | EUR 5 |
activating the card in the Internet Bank, the mobile app, or at an ATM | EUR 3,50 |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional 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 1,60 |
5. MC Gold credit card | |
activating the card at a bank office or through the customer support (1) | EUR 5 |
activating the card in the Internet Bank, the mobile app, or at an ATM | EUR 3,50 |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional 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 3,50 |
6. Mastercard Platinum credit card (with Priority Pass service and travel insurance Platinum) | |
activating the card at a bank office or through the customer support (1) | EUR 25 |
activating the card in the Internet Bank, the mobile app, or at an ATM | EUR 20 |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 25 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | EUR 20 |
monthly fee | EUR 10 |
7. Mastercard World Elite credit card (with Priority Pass service and travel insurance World Elite) | |
issue (with the cover of Emergency service, incl. prolongation) | EUR 39 |
issuance of a replacement card | EUR 19 |
additional card | EUR 39 |
monthly fee | EUR 39 |
Legal entity |
|
1. Mastercard Business credit card | |
activating the card at a bank office or through the customer support (1) | EUR 5 |
activating the card in the Internet Bank, the mobile app, or at an ATM | EUR 2 |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional 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 | |
activating the card at a bank office or through the customer support (1) | EUR 5 |
activating the card in the Internet Bank, the mobile app, or at an ATM | EUR 3,50 |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional 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 credit card | |
activating the card at a bank office or through the customer support (1) | EUR 5 |
activating the card in the Internet Bank, the mobile app, or at an ATM | EUR 3,50 |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional 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 (with Priority Pass service and travel insurance Platinum) | |
activating the card at a bank office or through the customer support (1) | EUR 25 |
activating the card in the Internet Bank, the mobile app, or at an ATM | EUR 20 |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 25 |
activating the prolonged card and additional 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.
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 | EUR 30 per using |
(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.
Want to make sure you find the most suitable solution?
- Our customer executives will help you find the best solution for you
- We have a dedicated team of professionals you can trust
Suitable picture
To order a picture card, upload your favourite picture in the Internet Bank and soon you will have a unique bankcard in your hands.
- 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.
- Images, violating protection of trade marks or copyright may not be used on the card
- The design may not contain inappropriate motifs, state symbols, and inappropriate nakedness or be contrary to good morals and practice. The design may not contain tobacco products, alcohol, drugs, weapons, banknotes, coins, political or religious statements or symbols
- The design may not contain images of famous people (musicians, athletes, public figures, etc)
- The design should not be monochrome
To order a picture card, upload your favourite picture in the Internet Bank and soon you will have a unique bankcard in your hands.