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Price list

Paragraphs
Private person
1. Current account opening (1) free of charge
2. Handling fee of documents submitted for current account opening (2)
- resident of Estonia free of charge
- resident of EEA member state free of charge
- resident of another country (except EEA member state) EUR 250
3. Current account monthly fee (3,4,5)
- resident of Estonia EUR 0,30
- resident of EEA member state EUR 0,30
- resident of another country (except EEA member state) EUR 7
4. Investment account opening free of charge
5. Pension Investment Account opening free of charge
Legal entity
1. Current account opening (1) free of charge
2. Handling fee of documents submitted for current account opening (2)
- resident of Estonia, except for legal persons registered in Estonia,  represented by a non-resident or whose ownership structure or ultimate beneficial owners include a non-resident free of charge
- resident of EEA member state, including legal persons registered in Estonia, represented by a non-resident or whose ownership structure or ultimate beneficial owners include a non-resident EUR 500
- resident of another country (except EEA member state) EUR 750
3. Current account monthly fee (3,4,6)
- resident of Estonia EUR 1
- resident of EEA member state EUR 20
- resident of another country (except EEA member state) EUR 60
4. Monthly account management fee for payment and e-money institutions (7) EUR 700
5. Start-up account opening (1) free of charge
6. Opening current account in other SEB Group bank EUR 150 + mail fees
7. Account balance fee (8)
     - EUR, starting from balance of EUR 1,000,000 ECB deposit facility rate
     - SEK, starting from balance of SEK 9,500,000 Sveriges Riksbank repo rate
     - DKK, starting from balance of DKK 7,500,000 Danmarks Nationalbank Certificates of deposit rate
     - CHF, starting from balance of CHF 1,000,000 Swiss National Bank negative interest rate

(1) Upon opening the account is given a account card (for legal entity - with account card is cash deposit in marked account - 0,4% of the amount, min. EUR 5.
- Account card upon opening the account – free of charge
- Issuing extra account card - EUR 0.64 per card.
(2) The bank starts handling of documents after the handling fee of documents has been paid The fee is not returned if the bank decides not to open the account. The fee is not applied to the opening of each subsequent current account.
(3) Monthly fee is not charged for the account opening month, if the account is opened after the 15th day of the month.
(4) There is no monthly fee for customers resident in Estonia and the European Economic Area who are using plans. Customers resident in another country who is using plans will be charged the full monthly fee. A monthly account fee will be charged for the month the plan ends.
(5) Monthly fee is not applied to clients, who are younger than 19 years of age (incl.) or older than 65 years of age (incl.).
(6) Current account monthly fee for legal entities does not apply to the payment and e-money institutions.
(7) Monthly account management fee is applied on client basis (does not depend on the number of accounts).
(8) When calculating the fee, the total balance of all current accounts of the client in the given currency will be taken into account.
The fee will be calculated at the end of each calendar day on the positive end-of-day balance, exceeding the limit, specified for the respective currency. The fee shall not apply if the central bank interest rate in the relevant currency listed in the table is zero or above zero. The fee is calculated based on the actual number of calendar days in a month and a year of 360 days.
The fee is debited from the current account in the first decade of a calendar month for the previous month.
The client is notified of the application of a fee with a personal notification at least 10 working days in advance.

1. Term deposit  
- opening free of charge
- internal transfer from current account to deposit free of charge
- cash deposit in the holder’s deposit free of charge
2. Savings deposit free of charge
- opening free of charge
- first contribution upon opening the deposit free of charge
- automated balancing free of charge
- internal transfer from savings deposit to current account on the same day 0,5% of the amount, min. EUR 1.60  
- internal transfer from savings deposit to current account after three calendar days or later free of charge
1. Opening of cash pool account EUR 200
2. Sub-account maintenance fee EUR 15
3. Annual maintenance fee of the group EUR 320
4. Amendment of cash pool account contract EUR 20
5. Internal interest transfers, monthly fee EUR 6
6. Administration of cash pool account via internet bank, monthly fee EUR 16
7. Cross-usage of currencies in the group, monthly fee EUR 65 + interest
8. Intra-day cross-usage of currencies, monthly fee EUR 20
9. Cash Concentration  
account registration EUR 70
monthly fees for services  
- frequency of payment: daily EUR 70
- frequency of payment: weekly EUR 40
- frequency of payment: monthly EUR 20
fee for one payment according to the price list of payments
contract amendment fee EUR 70
1. From Internet Bank free of charge
2. At a bank office on paper  
 - transactions from year 2000 EUR 0.6 per page, min. EUR 6
- for private persons annual statement once in year free of charge
3. By e-mail EUR 6
4. By mail  
- by mail monthly statement in Estonia EUR 8
- by mail monthly statement outside Estonia EUR 11

As a rule, correct payments forwarded to the bank before 10 p.m. shall be debited from the remitter's account on the same day, payments forwarded after 10 p.m. on the following day.
Due to expiry of the retention period, the bank is not able to present the supporting documents of transactions carried out at a bank office more than 10 years ago.

In EUR  
1. Cash deposit at a bank office starting from EUR 10 000 (except coins)  
in the holder's account  
   private person 0,5% of the amount
   legal entity 0,5% of the amount
to a minor's account 0,5% of the amount
in other account in SEB Pank 0,5% of the amount
2. Cash deposit in coins via a coin machine (3), (4)  
in the holder's account  
  private person 5% of the amount, min. EUR 5
  legal entity 5% of the amount, min. EUR 5
to a minor's account up to 100 euros per month free of charge;
5%, if the amount exceeds EUR 100
3. Cash deposit by cash transport company as agreed with the bank
4. Cash withdrawal at a bank office starting from EUR 10 000 (except coins) (1), (2), (4) 0.5% of the amount, min. EUR 10
5. Cash withdrawal by cash transport company 0.4% of the amount
6. Fee for canceling cash reservation EUR 50
7. Additional fee for paying unreserved cash amounts on the same day (2) EUR 50

(1) Cash transfers in amounts smaller than 10,000 euros cannot be made in a bank office. Such transactions can be made via an ATM.
(2) Cash withdrawal requires a reservation. Advance reservation application of cash must be submitted the latest by 3:30 p.m. on the banking day before fulfilling the order.
(3) A cash deposit in coins can only be made via a coin deposit machine; the amount indicated on the receipt issued by the coin machine is transferred to your bank account and it is not paid out in cash.
(4) Cash transactions can only be carried out in branch offices that use cash.

   
1. Cash deposit transferred to account immediately
2. Cash withdrawal of reserved amounts (starting from 10 00 euros) upon agreement with the client
Outgoing payments At a bank office Electronic services (incl. standing payment order, banklink payment
1. Internal payment (1)
in euros EUR 5  EUR 0.16
in foreign currency EUR 5 EUR 2
intra-account conversion free of charge free of charge
2. European payment (1,2)
ordinary payment (incl. instant payment (3)) EUR 5  EUR 0.38
express payment (4) EUR 35 EUR 30
3. Cross border payment
ordinary payment
- with shared charges (5) EUR 25 EUR 6
- without charges to beneficiary (6) EUR 45 EUR 26
urgent payment
- with shared charges (5) EUR 35 EUR 14
- without charges to beneficiary (6) EUR 55 EUR 34
express payment in euros
- with shared charges (5) EUR 35 EUR 30
- without charges to beneficiary (6) EUR 55 EUR 50
express payment in foreign currency (7)
- with shared charges (5) EUR 60 EUR 39
- without charges to beneficiary (6) EUR 80 EUR 59
additional fee for payment to high sanction risk country (9) EUR 100 EUR 100
4. Transfer order for debiting in consolidated amount (8) - EUR 0.16
the internal payment on the transfer order - free of charge
the ordinary European payment on the transfer order - EUR 0.38
5. Exchange rates used for executing a payment transaction
an amount corresponding to 10 000 euros or equivalent in other currency transfer purchase or sale rate of the respective currency valid at the bank at the moment of debiting transfer purchase or sale rate of the respective currency valid at the bank at the moment of debiting
an amount starting from 10 000 euros or equivalent in other currency

Market rate determined by the bank, if the payment is made on a settlement day from 9.00 to 17.00.
For payments made outside the specified time limit, the transfer purchase or sale rate of the respective currency valid at the bank at the moment of debiting shall be used.

Market rate determined by the bank, if the payment is made on a settlement day from 9.00 to 17.00.
For payments made outside the specified time limit, the transfer purchase or sale rate of the respective currency valid at the bank at the moment of debiting shall be used.

(1) Upon compulsory collection (attachment order of a bailiff, tax administrator, other entitled persons) the fee for a payment made at a branch office shall apply.
(2) Payments in euros, shared charges, beneficiary's account number must be indicated with IBAN. If the beneficiary's bank is outside Estonia, the beneficiary's bank must have a correct BIC. The beneficiary's bank is in a member state of the European Union, Iceland, Liechtenstein, Norway, Switzerland, Andorra, San Marino, the United Kingdom or Monaco.
(3) Instant payments can be made only in electronic channels – in Internet Bank (including import of payments) and SEB mobile app.
(4) Payment originated in euros only to a member state of the Eurozone (Austria, Belgium, Estonia, Spain, Netherlands, Ireland, Italy, Greece, Cyprus, Lithuania, Luxembourg, Latvia, Malta, Portugal, France, Germany, Slovak Republic, Slovenia, Finland), if the bank has accepted the payment before 17.00. The beneficiary's bank must have a correct BIC and account number must be indicated with IBAN.
(5) If a payment in any currency is made to an European Union Member State, Iceland, Norway, Liechtenstein, Switzerland, Andorra, San Marino, the United Kingdom or Monaco and the account number on the payment order is not in the IBAN format, a fee in addition to the above commission fees may be charged in amount, corresponding to 12 euros.
(6) Can be made only to a beneficiary’s bank outside the EEA contracting country. If the actual costs of other payment service providers, participating in processing a cross border payment, exceed EUR 20, the bank may later debit in addition the difference of the commission fees from the client’s account, however not more than within an amount, corresponding to EUR 75. The bank ensures transfer of the cross border payment in full amount from the bank’s correspondent account, however shall not guarantee that the payment is received in the beneficiary’s account in full amount.
(7) Upon agreement with the Markets department.
(8) A transfer order for debiting a consolidated amount can be forwarded from electronic channels via SEB Baltic Gateway and SEB Internet Bank for Business.
(9) High sanction risk payment fee is applied for executing transfer order to countries which under the assessment of the bank are considered to be of higher sanction risk. Full list of high sanction risk countries is available on our homepage. Fee shall be charged additionally to other fees for the payment services as described in the price list. Fee is applicable to business clients only.

The service fee for a cross-border payment has up to three different components depending on the type of payment:
1. the SEB Estonia services fee
2. the services fees of foreign banks
3. the services fees for handling a payment order as an urgent payment

Receivables
1. Internal free of charge
2. European payment (1) free of charge
3. Cross border payment International (2) EUR 5.75
from the Baltic banks of the SEB Group free of charge
- additional fee for payment to high sanction risk country (3) EUR 100

(1) Cross-border receivable in euros with shared charges. Beneficiary's account number must be indicated with a proper IBAN and remitter's bank has to be an European bank.(2) An incoming payment is free of charge if the transfer order has been marked by remitter’s bank as “without charges to beneficiary“. Except for business customers when payment is from high sanction risk country (more information in (3)). 
(3) High sanction risk payment fee is applied for executing transfer order to countries which under the assessment of the bank are considered to be of higher sanction risk. Full list of high sanction risk countries is available on our  homepage. Fee shall be charged additionally to other fees for the payment services as described in the price list. Fee is applicable to business clients only.

1. Revoking a transfer order (1)
European payment EUR 10
cross border payment EUR 30
2. Amendment of transfer order (1)
European payment EUR 10
cross border payment EUR 30
3. Certificate on forwarding a payment (regular, by e-mail) EUR 0,50
4. Certificate on forwarding a payment (on demand) (3 EUR 6
5. Cross-border payment SWIFT copy (on demand) EUR 10
6. Inquiries (1)
for up to 3 months old payment EUR 25
for more than 3 months old payment EUR 50
Use of account in SEB Estonia via another bank
1. Subscription to the service (2) EUR 50
2. Agreement amendment EUR 10
3. Termination of service free of charge
4. Sending MT940, MT941, MT942 to a foreign bank
sending an account statement (MT940) (for each account separately) EUR 35 per month or EUR 420 per year
sending an intra-day balance (MT941) (for each account separately)
- once a day EUR 30 per month or EUR 360 per year
- twice a day EUR 60 per month or EUR 720 per year
- three times a day EUR 90 per month or EUR 1080 per year
sending an intra-day account statement MT942 (up to 3 times a day) EUR 2 per message
5. Receiving a MT101
fee for use of the account on the basis of MT101 EUR 25 per month or EUR 300 per year
Execution of a payment order based on MT101 the payment fee according to the price list applied to the electronic channel
Use of an account in another bank via SEB Eesti
1. Subscription to the service (4) EUR 50
2. Agreement amendment EUR 10
3. Termination of service free of charge
4. Receiving a MT940, MT941, MT942
receiving and displaying statements per account and currency EUR 20 per month
5. MT101 forwarding to foreign bank
Forwarding of a MT101 transfer order to a foreign bank EUR 1 per order

(1) Charges of foreign banks and the cost of conversion will be added. Payment of the commission fee does not guarantee the return of money to Customer’s account. Return of the executed payment is possible only with the consent from the receiver of the payment
(2) A subscription processing fee is charged upon concluding an MT101 agreement or an MT940/941/942 agreement. If the client has concluded any of the above agreements, no contract fee shall be charged from the client for the conclusion of an additional agreement. If the client wishes to conclude several of the above agreements, the client shall pay the contract fee to the bank for one agreement only.
(3) A forwarding fee shall be added to the price:
by mail in Estonia – EUR 2;
by mail outside Estonia – EUR 5.
(4) Cost per one company and one state to be joined.


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

Temporary-card
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.

1. SEB Internet Bank for Private Individuals
sign-up free of charge
2. SEB Internet Bank for Business
sign-up free of charge
agreement amendment
- by a bank employee (1) EUR 10
- by an administrator at the Internet Bank free of charge
monthly fee free of charge
automatic inquiry from commercial register EUR 2.24
monthly fee for non-resident legal entities registered outside European Economic Area EUR 10
3. SEB mobile app
   sign-up free of charge
   payment commission fee of the respective payment in an electronic channel
4. Other mobile services
information inquiries (as per operator's price list)
   - Telia EUR 0.38
   - Elisa EUR 0.26
   - TELE2 EUR 0.26
5. Express notification
agreement conclusion, amendment, termination free of charge
notification by SMS message EUR 0.20 per message
notification by e-mail free of charge
6. Standing payment order
agreement conclusion, amendment at the Internet Bank free of charge
agreement conclusion, amendment at a bank office EUR 5
agreement cancellation free of charge
payment commission fee of the respective payment in an electronic channel
7. Adding predefined payments free of charge
8. E-invoice with automated standing order
agreement conclusion, amendment, termination free of charge
internal payment EUR 0.08
European ordinary payment (2) EUR 0.19
9. Forwarding of e-invoices (3)
agreement conclusion EUR 60
agreement amendment EUR 20
agreement monthly maintenance fee EUR 7
monthly fee of the agreement, incl. the use of e-invoice forwarding programme EUR 12
fee for forwarding e-invoices (per every e-invoice sent) EUR 0.15
template designed at company's request – implementation/ amendment EUR 200
migration of standing orders according to the agreement
10. Digital coin jar
agreement conclusion free of charge
monthly maintenance fee free of charge
payment to savings deposit free of charge
11. Bank link
subscription min EUR 65
transaction fee 1% of transaction value, min EUR 0.13, max EUR 3.20 per transaction
- for Financial intermediation companies EUR 1.28
amendment of agreement EUR 15
authentication (3)  
- subscription EUR 65
- amendment of agreement EUR 15
- authentication fee EUR 0.08 per transaction, min. EUR 20 per month
12. Payment card servicing in a company
subscription free of charge
transaction processing fee as per contract
preparation and installation of POS Terminal as agreed with the client free of charge
preparation and installation of the POS Terminal the latest by the next banking day EUR 75
monthly fee of Terminal as agreed with the bank
13. Trading Station
subscription free of charge
14. Additional services
issue of a security device  
- PIN calculator EUR 15
replacement of PIN calculator EUR 8
first issuance of Smart-ID at a bank office free of charge
subsequent issuance of Smart-ID at a bank office (4), (5) EUR 5
15. Management of foreign accounts via SEB Estonia's Internet Bank for Business
Baltic Online (foreign accounts in SEB Baltic banks)  
- subscription to the service (6) EUR 15
- only the SEB Latvia or SEB Lithuania account(s) have been included in the client´s Internet Bank EUR 10 per month
- both, the SEB Latvia and SEB Lithuania accounts have been included in the client´s Internet Bank EUR 15 per month
- contract amendments EUR 10
16. SEB Baltic Gateway
Direct channel  
sign-up fee EUR 50
account statements (except intraday) and/or POS reports EUR 10 per month
account intraday reports (real-time account information) EUR 25 per month
payment initiation and/or e-invoice forwarding EUR 25 per month
account information from other banks EUR 10 per month
e-signing EUR 0.10 per signature
Operator channel  
- sign-up fee free of charge
Basic services – account statements (except intraday), account information from other banks, POS reports and payment initiation  EUR 5 per month (7)
- account intraday reports (real-time account information) EUR 10 per month
- e-invoice forwarding EUR 10 per month
- e-signing EUR 0.10 per signature
Fees for operator  
sign-up fee EUR 50
monthly fee as agreed with the bank
17. E-invoice portal
Package Basic  
sign-up fee free of charge
monthly fee free of charge
sending an e-invoice to e- invoice portal* users public bodies and to SEB Internet Bank** up to 5 invoices per month free of charge (8)
Package Premium  
sign-up fee free of charge
monthly fee (3) EUR 7
sending an e-invoice to e- invoice portal* users public bodies, to SEB Internet Bank** and to application of any credit institution within the possibilities of the e-invoice portal (3) up to 30 invoices free of charge, each subsequent invoice 0.24 euros

(1) Only those changes to the agreement which are made by an employee of the bank but can be made by a person with administrator rights at the Internet Bank for Business are subject to a fee.
(2) E-invoices with automated standing order are effected only in euros.
(3) VAT as per Value Added Tax Act will be added to the price.
(4) Except for minors.
(5) Price includes VAT as per Value Added Tax Act
(6) Cost per one company and one state to be joined.
(7) Monthly fee is not applied to clients with SEB Plans.
(8) After sending five invoices, the opportunity to join the Premium package.

* E-invoice portal means the software offered by AS SEB Pank within the meaning of the e-invoice portal agreement and the environment arved.ee provided by Fitek AS.
** Under the Basic package, e-invoices can be forwarded to SEB Internet Bank for Private Individuals and SEB Internet Bank for Business.

1. Choice application for the II pillar pension fund  
over the counter or in the SEB Internet Bank free of charge
under power-of-attorney EUR 3
2. Application for exchanging the II pillar pension fund units
over the counter or in the SEB Internet Bank free of charge
under power-of-attorney EUR 3
3. Succession application
resale of inherited fund units EUR 22
transfer of inherited fund units to the successor's pension account EUR 3
resale of inherited fund units and transfer to the successor's pension account EUR 22
4. Payout applications Bank office SEB Internet Bank
application for single payout EUR 3 EUR 3
statement of partial payment from pension funds free of charge free of charge
application for payment from pension investment account free of charge free of charge
funded pension application EUR 5 EUR 5
5. Application for exemption from payment of mandatory funded pension contributions EUR 5 free of charge
6. Application for withdrawal of money from the mandatory funded pension EUR 15 EUR 7
7. Application for payment of mandatory funded pension contributions free of charge free of charge
8. Application for cancellation of an application free of charge free of charge
9. Application for changing the contributions rate free of charge free of charge
1. Selection application
- submitting an application at a bank office or SEB Internet Bank EUR 1.60
2. Application for switching fund units  
- submitting an application for switching fund units at a bank office or SEB Internet Bank EUR 3.20
3. Disbursement application
- submission of a voluntary pension fund payout  application at a bank office or SEB Internet Bank EUR 3.20
- submission of an application for opening a supplementary fund pension in SEB Internet Bank EUR 3.20
4.  Succession application
- resale of inherited fund units EUR 6.40
- transfer of inherited units to inheritor’s security account EUR 6.40
- resale of inherited units with insurance agreement EUR 6.40

Private person

1. Home loan, mortgage loan
- agreement conclusion 0.4% of the loan amount, min. EUR 190
- agreement amendment (1) up to 0.4% of the remaining loan, min. EUR 190
- changing the payment date free of charge
- change of the current account(s) related to the loan free of charge
- grace period for the principal amount of the loan free of charge
2. Consumer loan
- agreement conclusion for car purchase 1.5% of the loan, min. EUR 75
- agreement conclusion for real estate purchase 1% of the loan, min. EUR 75
- agreement conclusion for solar panel purchase 1% of the loan, min. EUR 75
- agreement conclusion for improving home energy efficiency 1% of the loan, min. EUR 50
- agreement conclusion for other purposes 1.5% of the loan, min. EUR 35
- agreement amendment (1) free of charge
- changing the payment date free of charge
- change of the current account(s) related to the loan free of charge
- grace period for the principal amount of the loan free of charge
3. Overdraft
- agreement amendment (1) EUR 15
- changing the payment date free of charge
4. Student loan
- agreement amendment (1) free of charge
- amending the student loan repayment schedule free of charge
5. Endowment loan
- agreement amendment (1) up to 1% of the remaining loan, min. EUR 250
- changing the payment date free of charge
- change of the current account(s) related to the loan EUR 20
6. Limit loan
- agreement amendment (1) up to 1% of the loan limit, min. EUR 35
- changing the payment date free of charge
7. Other loan-related services
- re-registration of a pledge established on a building into a mortgage free of charge
- reminder of debt free of charge
- debt claim letter EUR 5
- certificate on paid interests (2) EUR 4

(1) All amendments to the loan, which have not been indicated under separate clauses in the price list (incl. amendment of collateral in a notarised or other form).
(2) Commission fee applies to certificates issued at a bank office. A certificate issued automatically in the Internet Bank is free for the client (for enclosing electronically to income tax return).

Legal entity

1. Investment loan
- agreement conclusion 1% of the loan amount, min. EUR 200
- agreement amendment 1% of the remaining loan /limit, min EUR 200
2. Working capital loan
- agreement conclusion 1% of the loan amount, min. EUR 200
- agreement amendment 1% of the remaining loan /limit, min EUR 200
3. Overdraft
- agreement conclusion 1% of the loan amount, min. EUR 200
- agreement amendment 1% of the remaining loan /limit, min EUR 200
- increasing the loan amount/limit 1% additional loan amount/limit, min EUR 200
4. Start-up loan
- agreement conclusion 1,5% of the loan amount
- agreement amendment 1% of the remaining loan /limit, min EUR 200
5. Apartment building renovation loan
- agreement conclusion 1% of the loan amount, min. EUR 200
- agreement amendment 1% of the remaining loan /limit, min EUR 200
6. Other loan-related services
- contractual penalty for the violation of any other non-monetary obligation stipulated in the loan agreement up to 5% of the loan amount outstanding at the moment of violation
- re-registration of a pledge established on a building into a mortgage free of charge
- reminder of debt free of charge
- debt claim letter EUR 5
Guarantee issued by AS SEB Pank  
1. Agreement conclusion and/or amendment as agreed
2. Fee for issuing a letter of guarantee under a limit agreement EUR 95
3. Guarantee fee determined as a percentage rate individually for each applicant on the basis of the client's risk and the validity of the guarantee, min. EUR 95
Fee for issuing a letter of guarantee with special wording EUR 150
5. Preparation of a draft or a guarantee or an amendment EUR 70
6. Payment of claims filed on the basis of guarantee 0.1% of the amount of claim, min. EUR 150
7. Amendment of a guarantee (the relevant guarantee fee is added if the amount is increased and the validity extended) EUR 95
8. Cancellation of a guarantee EUR 70
9. Default interest (calculated on any debt from due date until actual date of payment) 0,5% per day
10. Information processing and forwarding fee (added to foreign guarantees) depending on costs, min. EUR 10
11. Handling of documents or their drafts and payment fee 0,15% of the amount of documents, min. EUR 95
12. Services provided to other credit institutions the fee is set for each individual transaction
Guarantee received by a client of AS SEB Pank  
1. Advising EUR 70
2. Advising of an amendment EUR 70
3. Filing a payment claim to the bank that issued the guarantee when requested by client EUR 100
4. Preparation of the draft of a guarantee, an amendment or a claim depending on costs, min. EUR 70
5. Verification of the guarantee authenticity EUR 70
6. Advising the issuing bank of cancellation of a guarantee EUR 70
7. Information processing and forwarding fee depending on costs, min. EUR 10
8. Handling of documents or their drafts and payment fee 0,15% of the amount of documents, min. EUR 95
9. Services provided to other credit institutions the fee is set for each individual transaction

NB! The services charges of another bank may be added if another bank is used.
AS SEB Pank reserves the right to charge for additional services and/or time-consuming transactions in addition to the price list.

1. Waiver of documents against payment or acceptance 0,2% of the collection amount, min. EUR 95
2. Fee for partial payment from second payment EUR 70
3. Amendment fee EUR 50
4. Deferred payment fee EUR 32
5. Waiver of documents without payment or acceptance EUR 50
6. Fee for refusal or cancellation EUR 70
7. Re-assignment of the right of ownership to goods if the goods are sent to the name of AS SEB Pank EUR 50
8. Information processing and forwarding fee depending on costs, min. EUR 10
9. Default interest (calculated on any debt from due date until actual date of payment) 0,5% per day
10. Compliance with AML and sanctions EUR 25

NB! The services charges of another bank may be added if another bank is used.
AS SEB Pank reserves the right to charge for additional services and/or time-consuming transactions in addition to the price list.

Import letter of credit

1. Agreement conclusion and/or amendment as agreed
2. Fee for issuing a documentary credit and/or a deferred payment with cash deposit 1% of the amount of documentary credit per year, min. EUR 95 
3. Fee for issuing a documentary credit and/or a deferred payment without cash deposit determined individually for each applicant, min. EUR 95 per month or a part thereof
4. Handling of documents or their drafts (calculated for each set of documents presented) 0,15% of the amount of documents, min. EUR 95
5. Preparation of a draft of a documentary credit or an amendment EUR 70
6. Amendment fee (excl increasing the amount and/or extending the validity) EUR 70
7. Increasing the amount and/or extending the validity of a documentary credit issuance and/or deferred payment fee
8. Discrepancy fee (for presenting discrepant documents; normally paid by the beneficiary) EUR 95
9. Information processing and forwarding fee depending on costs, min. EUR 10
10. Making a payment to another bank (normally paid by the beneficiary) EUR 32
11. Default interest (calculated on any debt from the due date until the actual date of payment) 0,5% per day
12. Services provided to other credit institutions the fee is set for each individual transaction

Export letter of credit

1. Advising fee EUR 70
2. Confirmation fee depending on the risk of the opening bank, min. EUR 95
3. Preparation of a draft of a documentary credit or an amendment depending on costs, min. EUR 70
4. Handling of documents or their drafts (calculated each time a set of documents is verified) 0,15% of the amount of documents, min. EUR 95
5. Payment fee upon payment of the amount of documents before the payment date of the documentary credit 0,1% on the amount of payment, min. EUR 70
6. Deferred payment fee EUR 70
7. Assignment of proceeds EUR 150
8. Interest (calculated on the amount of documents paid to the client from the date the payment was made to the client until the date the payment made by the opening bank is received by AS SEB Pank, for a minimum of 10 calendar days) defined separately for each client
9. Amendment advice EUR 70
10. Fee for refusal and/or cancellation EUR 70
11. Transfer fee (the client must also pay all other fees according to the export documentary credit price list) 0.25% of transferred documentary credit amount, min. EUR 95
12. Information processing and forwarding fee depending on costs, min. EUR 10
13. Default interest (calculated on any debt from due date until actual date of payment) 0,5% per day
14. Services provided to other credit institutions the fee is set for each individual transaction

Documentary Credits are governed by the Uniform Customs and Practice for Documentary Credits, Pub. No 600, issued by the International Chamber of Commerce, Paris 2007.
NB! The services charges of another bank may be added if another bank is used. AS SEB Pank reserves the right to charge for additional services and/or time-consuming transactions in addition to the price list.

Securities account Private individual Legal entity
Opening and closing
1. Opening the intra-bank securities account free of charge free of charge
2. Opening the Baltic securities account in the Internet Bank free of charge;
at a bank office EUR 3
in the Internet Bank free of charge;
at a bank office EUR 3
3. Outgoing Portfolio Transfer of Baltic Securities account to another intermediary (21) EUR 15 EUR 15
4. Incoming Portfolio Transfer of Baltic Securities account from another intermediary free of charge free of charge
5. Pledge account - EUR 35
6. Account closing free of charge free of charge
7. Child's special type of account (4) free of charge -
Statements issued by SEB Estonia (11)
1. At a bank office EUR 4 EUR 4
2. Regular monthly statement of the intra-bank securities account by e-mail free of charge free of charge
3. Transaction confirmation (for stock exchange transactions), from a bank office free of charge free of charge
Statements issued by Baltic Central Securities Depository (11)
1. Notice of opening the securities account (by regular mail) EUR 1 EUR 1
2. Ordering regular statements from Baltic Central Securities Depository (7) EUR 1.60 EUR 1.60
3. Daily-, 10-day, quarterly, monthly statement
- domestic by regular mail EUR 4 EUR 4
- cross-border by regular mail EUR 6 EUR 6
- by e-mail EUR 0.30 EUR 0.30
Brokerage fee for securities (1, 2, 15, 16, 23) Private individual and legal entity
1. Estonia, Latvia, Lithuania (Nasdaq Tallinn, Riga, Vilnius) shares In internet bank free of charge, at a bank office 0,1%, min EUR 1 
2. Estonia, Latvia, Lithuania (Nasdaq Tallinn, Riga, Vilnius) bonds 0,1%, min. EUR 1
3. Norwegian, Swedish Finnish, Danish, Austrian, Belgian, Italian, Spanish, Dutch, Portuguese, French, German (Xetra), Swiss shares 0,14%, min. EUR 9
4. British, Irish shares (8) 0,14%, min. EUR 9
5. US shares 0,14%, min. EUR 9 (but no less than 0.015 USD per share)
6. Canadian shares 0,14%, min. EUR 9 (but not less than 0.025 CAD per share)
7. Sweden (Spotlight) 0,4%, min. EUR 9
8. Polish, Czech, Hungarian, Russian shares 0,25%, min. EUR 25
9. Other shares according to agreement
10. Share purchase and sale offers and issues conducted through the auction environment of the exchange 0,3%, min. EUR 1
10. Trading account brokerage fee of the respective country
Monthly securities account maintenance fee (1, 6, 22) Private individual
Baltic and foreign securities  free of charge
Monthly securities account maintenance fee (1, 3, 6, 11, 14, 22) Legal entity
Baltic securities
1. Monthly maintenance fee of empty Baltic securities account EUR 4.80
2. Only non-marketable Estonian securities (expect fund units) (10) EUR 4.80
Baltic and foreign securities  
- Portfolio up to 100,000 EUR free of charge
- Portfolio 100,000 EUR to 2,100,000 EUR 0.004%
- Portfolio over 2,100,000 EUR 80 EUR + 0.001%

Exchange-traded funds (ETF) are considered as shares.

Settlement fee for securities (1) Private individual and legal entity
Settlement fee (shares) (2, 16) is applied to OTC securities transfers
1. Northen European shares (Norway, Sweden, Finland, Denmark, Germany), US shares EUR 14
2. Austrian, Hungarian, Russian shares EUR 45
3. Belgian, Italian, Spanish, Dutch, Portuguese, French, Swiss, Czech, Canadian shares EUR 28
4. Polish shares (9) EUR 28
5. Irish shares (8) EUR 28
6. British shares (8) EUR 20
7. Shares from other countries EUR 75 or according to agreement
8. Trading account settlement fee of the respective country
Settlement fee (bonds)(2, 16)
1. Norway, Sweden, Finland, Denmark, Germany, eurobonds (ISIN starts with XS) EUR 20
2. Austrian, Belgian, Irish, Spanish, Dutch, Portuguese, French, British, Swiss, Czech, Hungarian, Canadian bonds EUR 28
3. Italian bonds (20) EUR 28
4. Polish bonds (9) EUR 28
5. Russian bonds EUR 75
6. US bonds (20) EUR 20
7. Bonds from other countries EUR 75
8. Structured foreign bonds, distributed by AS SEB Pank (13) EUR 20
9. Structured foreign bonds, mediated by AS SEB Pank settlement fee of the respective country
Fund transactions (19) Settlement fee Monthly maintenance fee (3, 11) Administration fee (24)
SEB Investment Management AB U and F class money market and short term bond funds (17, 25)
Purchase/ sale/ change/ purchase of fund units with standing payment order of fundsaving free of charge free of charge 0,01%
Other SEB Investment Management AB U and F class bond funds (17)
Purchase/ sale/ change/ purchase of fund units with standing payment order of fundsaving free of charge free of charge 0,025%
Other SEB Investment Management AB U and F class funds (17)
Purchase/ sale/ change/ purchase of fund units with standing payment order of fundsaving free of charge free of charge 0,035%
Other SEB Investment Management AB funds (17)
1. Purchase EUR 3,20 free of charge -
2. Sale EUR 3,20 free of charge -
3. Change of fund units free of charge free of charge -
4. Purchase of fund units with standing payment order of fundsaving free of charge free of charge -
Other funds registered in Estonia (1, 17)
1. Purchase EUR 3,20 Private individual – free of charge; Legal entity – monthly securities account maintenance fee corresponding to Baltic and foreign securities -
2. Sale EUR 3,20 Private individual – free of charge; Legal entity – monthly securities account maintenance fee corresponding to Baltic and foreign securities -
Other transaction fees
Baltic Central Securities Depository and other Estonian securities
1. Securities transfer against payment with defined counterparty EUR 3.20
2. Transfer without payment EUR 4.80
3. Transaction between the Baltic Central Depository and foreign depository EUR 20
4. Subscription to securities (19) free of charge
5. Confirmation of stock exchange transaction EUR 3.20
6. Pledge registration EUR 15
7. Transfer of pledged securities EUR 15
Foreign securities
1. SEB Estonia internal transaction EUR 4.80
2. Transaction with a determined counterparty settlement fee of the respective country
3. Subscription to foreign securities (19) settlement fee of the respective country
4. Subscription to structured bonds (19) EUR 3.20
5. Optional corporate events (12) settlement fee of respective country
6. Change of transaction terms/ cancellation of order (only upon agreement with the bank) actual expenses or min. settlement fee
Other services (11, 18)
1. Robo-advisory portfolio management fee (26) 0,041% per month 
2. Participation in the general meetings of shareholders as agreed with the bank
3. Tax Relief at source– Baltic securities EUR 10
4. Tax Relief at source– foreign securities(18) EUR 20 + actual fees
5. Tax reclaim - Baltic securities EUR 20 + actual fees
6. Tax reclaim – foreign securities (18) EUR 100 + actual fees
7. Processing fee of the child's special type of account (5) free of charge

(1) Baltic securities are held in a Baltic securities account and foreign securities are held in an intra-bank account.
(2) Foreign bank fees exceeding the SEB Estonia transaction fee to be added.
(3) The maintenance fee for a legal person's securities account is calculated once a month on the last banking day on the basis of the aggregated value of securities kept on the securities accounts. When calculating the value of securities, the bank proceeds from the net asset value (NAV) of the fund unit, for bonds -from the nominal value, for traded shares -from the market value or the most recent price, known to the bank. For the rest of the securities, the bank proceeds from the par value of the security or the accounting par value of the security. If information about the par value cannot be obtained from the financial data vendor, the par value shall be deemed to be 1. The maintenance fee of the securities account and the fee for the statement shall be debited from the client's cash account tied to the securities account once a month, the latest by the 15thday of the following calendar month. For legal persons with multiple securities account safekeeping fee shall be taken from the current account linked with the oldest securities account.
(4) A securities account opened on behalf of a minor or an adult with restricted active legal capacity, for whom guardianship has been established, for executing securities transactions on the account of the assets of a parent or guardian, arising from the Family Law Act. 
(5) Processing of securities transactions related to the child's special type of account, which requests further analysis in order to ascertain the eligibility of transactions on the child's special type of account (securities, obtained previously on the account of assets of the parent or guardian, securities transactions between customers, etc.) Maximum time of processing is 5 working days.
(6) For ADR (American Depositary Receipt) and GDR (Global Depositary Receipt) bonds, direct costs related to safekeeping the securities may be added, which the bank debits from the client depending on the conditions of the specific ADR or GDR either once a month, quarter, half-year or year. VAT shall be added to the service charge as per Value Added Tax Act.
(7) Baltic Central Securities Depository gives issues a securities account statement upon request of the securities account owner once a year - free of charge.
(8) The Stamp Duty is generally levied on purchase transactions of British and Irish securities, which in Great Britain is 0.5% and in Ireland 1%.
(9) For transactions with certain Polish securities (such as OTC transaction without broker), the Stamp Duty of 1% on the transaction amount may be added. The buyer of the securities shall pay the Stamp Duty and submit the required documentation directly to the tax authority in Poland.
(10) If the client portfolio contains both, marketable as well as non-marketable Estonian securities (excl. fund units), which are registered with Baltic Central Securities Depository then the non-marketable securities (excl. fund units) are not included in the portfolio value and maintenance fee is charged only for the marketable securities.
(11) VAT shall be added to the service charge as per Value Added Tax Act. VAT is not added to monthly maintenance fee, if the securities account holds only the units or shares of a mutual fund stipulated in the Investment Funds Act or a mutual fund of a Member State of the European Economic Area.
(12 As regards the transaction fees for participants in optional corporate events, potential "out of pocket fees" (e.g. notary fees, transport costs) will be added, which will be divided between the participants in the corporate event pro rata to the quantity of their securities.
(13) Structured bonds, the issuers of which are credit institutions and the primary distribution of which has been introduced to the client by the Bank.
(14) Only those accounts, which contain only the securities of Estonian companies, which are either bankrupt or under liquidation, are exempt from a monthly maintenance fee, based on the information received from the Baltic Central Securities Depository. Monthly maintenance fee is not calculated, if the only securities held in the securities account throughout the entire calendar month are those, belonging to Estonian companies, which are in bankrupt or under liquidation.
(15) The commission fee rate of deals with a broker shall be calculated from the transaction amount
(16) A financial transaction tax of the respective country may be added to the transaction (e.g. 0.3% of the transaction amount in case of purchasing securities of an issuer in France and 0.2% of the transaction amount in case of purchasing securities of an issuer in Spain).
(17) Securities are held in an intra-bank securities account.
(18) In case of specific countries, foreign securities bank may not offer prevention and refund of income tax. 
(19) An additional fee may be added to the transaction pursuant to the offering documents of the respective instruments.
(20) The precondition to executing transactions with these bonds is the submission of the required tax documentation. For this, please contact the bank before making the transaction.
(21) Applies, if the account includes securities with up to five different ISIN-codes. Starting from the transfer of sixth and subsequent securities positions with a different ISIN-code, a fee for securities transaction without payment shall be added.
(22) Baltic securities (excl.fund units) – Estonia, Latvia, Lithuania. Foreign securities (excl.fund units): Norway, Sweden, Finland, Denmark, Austria, Belgium, Ireland, Italy, Spain, the Netherlands, Portugal, France, Germany, the United Kingdom, Switzerland, Poland, the Czech Republic, Hungary, Russia, Canada, United States, other countries.
(23) Fees apply to orders submitted via the Internet Bank or a bank office.
(24) SEB Investment Management U and F class funds administration fee (set in monthly rate) is calculated at the end of each day based on the aggregated value (NAV) of the respective fund units. Administration fee is debited once a month, the latest by the 20th day for previous month from the current account tied to the securities account.
(25) SEB Short Bond Fund U class belongs to this group.
(26) Fee for previous month is debited once per month latest by 10th day from the cash account tied to the service. VAT shall be added to the service charge as per Value Added Tax Act.

SEB Plans name SEB Plans formalization fee (2) SEB Plans monthly fee
1. Junior Plan free of charge free of charge
2. SEB Youth Plan EUR 0.32 EUR 0.32
3. SEB + Plan EUR 1.95 EUR 1.95
4. SEB Super+ Plan EUR 2.95 EUR 2.95
5. SEB Family Plan (1) EUR 3.50 EUR 3.50
6. SEB Senior Plan EUR 0.32 EUR 0.32

(1) Client, who forms SEB Family Plan, can invite 7 members to Plan. For members monthly fee doesn’t expand.
(2) A client is not charged monthly fee for formalising a plan.

Product is not offered to non-resident legal persons.

Plans name General monthly fee Special monthly fee (2)
1. Plan S EUR 7 EUR 6
2. Plan M EUR 14 EUR 12
3. Plan L EUR 26 EUR 22
4. Plan XL EUR 48 EUR 40

(1) Business Customers Plans are not offered to non-resident legal persons, providers of financial services or other similar services which require an activity licence, or persons related to such service providers.
(2) A special fee applies to a business customer, who has taken out a Bank Link contract, a contract for servicing payment cards, a credit card agreement, a loan-, leasing- or a factoring agreement.
 

1. Copying and transference of bank documents (1) EUR 3 / per document
2. Archive inquiry for document (1,2) EUR 30 / per document
3. Issuing and transference of certificates, confirmations (1)
on existence of an account and on the balance (balance confirmation) EUR 9
certificate to Commercial register (on share capital) EUR 9
certificate of income tax on interest (3) EUR 9
certificate on existence/lack of obligations EUR 9
transaction confirmation (stamp on the payment order) EUR 3
letter of recommendation for another bank (4) EUR 9
certificate of the occurrence of the card transaction EUR 9
4. Responses to inquiries
to auditors EUR 25, to groups of companies EUR 25 per member
contract and balance inquiry on a business client (for liquidator) EUR 30
certificates and responses to inquiries, which need special solutions (5) EUR 30 per hour, min. EUR 30
5. A notice of debt
reminder of debt free of charge
debt claim letter EUR 5
6. Transfer of documents and bank accessories (bankcard, ID-Card reader, PIN calculator, etc.) with courier service as per price list of the respective courier company established to SEB
7. Sending documents and bank accessories (ID-Card reader, PIN calculator) by registered mail
in Estonia EUR 5
outside Estonia EUR 10
8. Pension Plan Agreement  
contract fee free of charge
annual fee free of charge
9. Fee for the establishment of account pledge EUR 180
10. Statement of Fees in SEB Internet Bank for private client and at a bank office (6) free of charge
11. Identification of the customer´s representative or account user via SEB bank in Latvia or Lithuania (7) EUR 150 (8)
12. International customers site access fee (9) upon agreement (8)

(1) A forwarding fee shall be added to the price:
by mail in Estonia – EUR 2;
by mail outside Estonia – EUR 5;
(2) Price already contains fee of copy making from document
(3) Commission fee applies to certificates issued at a bank office. A certificate issued automatically in the Internet Bank is free for the client (for enclosing electronically to income tax return).
(4) The bank is entitled not to issue a recommendation.
(5) Preparing other responses and certificates for inquiries, not separately indicated in the price list. The bank is entitled to refuse to accept the orders for preparing certificates or other documents that need a special solution.
(6) A document for private clients that contains information on the service charges paid for the typical payment services relating to the current account and card account, the interest earned in the selected period and the interest calculated for the use of the overdraft limit. Possible periods are pervious calendar year and current year.
(7) A fee is charged for the identification of each person.
(8) VAT as per Value Added Tax Act will be added to the price.
(9) Fee will be applied to a business customer who is or whose mother company is SEB AB’s client.

Monthly fee
1.  Monthly fee for SEB Private Banking for clients with liquid assets (EUR 200,000 at minimum) (2) EUR 39
2.  Monthly fee for the SEB Private Banking Plan for clients with liquid assets (EUR 200,000 at minimum) (2) EUR 62
3. SEB Private Banking monthly fee for customer with assets less than EUR 200,000 (3) EUR 100
Management and consultation fees
1.  Investment portfolio management (including the monthly fee for Private Banking) (4) up to 1,2% per year
2.  Client-managed portfolio account agreement and periodic accounting (including the monthly fee for Private Banking) (4) up to 0,9% per year
Card fees
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
- monthly fee EUR 39
- replacement card EUR 19
-additional card EUR 39
Outgoing payments through Private Banking
1. Internal payment
- in euros free of charge
- in foreign currency free of charge
2. European payment
- ordinary payment free of charge
Safe deposit boxes
Safe deposit box rental at Tornimäe 2, Tallinn Based on personalised offer (depends on the size of safe deposit box)

(1) Bank´s price list applies to services not specified in the price list.
(2) Price includes VAT as per Value Added Tax Act.
(3) No new contracts are signed from 01.01.2021.
(4) VAT as per Value Added Tax Act will be added to the price.

Valid from 01.09.2022

Entry into contract
1. Entry into lease contract Starting from 1% of the acquisition cost of the lease item, min €225
2. Conclusion of a new lease contract on the residual value of the ending lease contract 1% of the acquisition cost of the lease item, min €160
Amendment of contractual conditions
1. Amendment of contract, incl. change of lease period, change of repayment schedule, transfer of contract to new lessee, other contractual changes 1% on outstanding residual value (1),
min €160
2. Amendment of contract due to partial early performance of financial lease contract of a private individual, if other conditions are not changed No contract amendment fee (for fixed interest, interest difference charge shall be paid)
3. Amendment of payment day of a valid lease contract upon client's request €30, first amendment free of charge
4. Reinstatement of contract € 160
5. Amendment of changing interstate from floating to fixed for valid leasing contract upon customer’s request €50
Debt notice to the lessee (2)
1. Reminder of debt Free of charge
2. Debt claim letter € 5
Authorisations, reports, certificates, invoices, other (2)
1. Unattested power of attorney, incl. for changing the register entry in the e-service of Road Administration € 12
Upon expiry / pre-term termination of lease contract, first authorisation free of charge
2. Notarised power of attorney € 90
3. Change of register data during the lease period by the lessor € 12, state fee to be added. Upon expiry / pre-term termination of lease contract, initiating the change of owner free of charge
4. Processing a claim arising from the violation of parking conditions, traffic regulations, or other legislation (including moving costs of the vehicle) € 36
Incurred costs will be added
5. Consent for subleasing the property € 42
6. Cancellation / amendment of redemption invoice of property upon client's request € 12
7. Confirmation of balance statement presented by the client Free of charge
8. Issuing standard certificate or consent, copy of contract, duplicate invoice (older than 1 month), fuel card statement or balance confirmation upon client's request € 12
9. Issue of a specific statement or report upon the client's request; confirmation of a period turnover statement provided by the client € 50
10. Sale of the lease object to a third party € 50
11. Contractual penalty for delays in the timely return of the lease object €50 per day
12. Releasing additional collateral (surety, guarantee) € 100
Pre-term termination of lease contract (2)
1. Pre-term termination of private person's operating lease contract As per contractual conditions
2. Pre-term termination of private person's financial lease contract As per contractual conditions
3. Pre-term termination of legal person's operating lease contract Unless otherwise specified in the agreement, the fee for early repayment is 2.5% on outstanding residual value (1), min €225; for operating lease, VAT shall be added (3);
4. Pre-term termination of legal person's finacial lease contract Unless otherwise specified in the agreement, the fee for early repayment is 2.5% on outstanding residual value (1), min €225 (3);

(1) Outstanding residual value is the total sum of unpaid instalments, balance of VAT(loan) and residual value.
(2) Service fees include VAT as per Value-Added Tax Act
(3) In case of fixed interest, interest difference charge will be added in the amount of the costs incurred due to the pre-term repayment of the credit.

Price list (PDF)


Valid from 01.01.2021

General transaction and service fees of Factoring (1)  
1. Conclusion and/or extension of a factoring agreement Fee as agreed, min €200
2. Changing the agreement limit Fee as agreed, min €200
3. Invoice handling fee Fee as agreed
4. Adding/changing obligor limit (payers without credit insurance) € 35
5. Adding/changing obligor limit (payers with credit insurance) € 55
6. Changing other terms and conditions of the agreement (excluding changing and/or extending the agreement limit) € 65
7. Preparation of non-standard factoring reports and certificates €30 per hour, min €30


(1) Service fees include VAT as per Value-Added Tax Act