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Man with  beard in front of a business building

Face your hardest critic
and turn self -critisism
into self-confidence

Start your business with SEB


Starting entrepreneurs often face doubts and self-criticism. SEB can help you find your self-confidence. With free advisorye, free everyday banking for 3 years and plenty of inspiration and necessary knowledge from SEB eAkademy.

Confidence is the main capital of every business


It takes only 3 steps
to have a simply
better banking

 Apply for a meeting

Meet with us via video chat or in a branch

Sign an agreement and start using our services

3 years free everyday banking services

Opening an account for a company

  • free business client plan for three years: free European payments, debit cards and current accounts without a monthly fee and option to join Baltic Gateway operator channel
  • for merchants up to five POS terminals free for six months and SEB's e-commerce payment solution without a contract fee
  • e-invoice portal for submitting and receiving e-invoices conveniently
  • bank is where you are – you can ask all important questions during a video meeting
  • The advice from experienced specialists who support you in finding the best solutions

Free business plan advisory

It’s always good to have someone who thinks along and is ready to support you with advice. In order to grow your confidence, we have created a business plan advisory service for a starting entrepreneur.

Our client manager thoroughly reviews your business plan and financial forecasts. If necessary, we give advice on where to get subsidies, counselling and useful trainings.

If you are already a SEB customer, you can even book an appointment right away. When registering for counselling, please select "Business plan counselling" as the topic.
If you are not yet at SEB, open an account and then book an appointment.

Tailored Offers
for Starting Entrepreneurs

Veebikool logo

Free online course: ‘Make your own website’

Veebikool is offering a free video-based WordPress course to help you create your own website or online store. In addition, Veebimajutus is offering an all-in-one solution: a company web address for one year for just €1 and, as part of the Plus package, free website hosting for three months.

This offer is valid from 11 September-31 October 2023.

Register for the online course

SimplBooks logo

Accounting software free for six months

SimplBooks is ideal for small-company accounting and invoicing. The first six months of use of the software are free of charge for SEB private clients. To obtain the discount, enter the code ‘SEB’ on the SimplBooks website.

This offer is valid from 11 September-31 October 2023.

Find out more online

AJ Tooted logo

12% discount on office furniture

High-quality, ergonomically designed products create a comfortable environment in which to work. AJ Tooted offers a range of modern office furniture. Using the code ‘AJSEB12’, you’ll receive a 12% discount on everything in the online store. The discount cannot be combined with other offers.

This offer is valid from 11 September-31 December 2023.

Take a look at the range online

SEB logo

Collection of online store payments free for six months

If you’ve decided to launch an online store as one of your sales channels, then you’ll need a suitable payment solution to go with it. The first six months of use of the payment initiation service are free of charge for SEB private clients. By entering into an agreement with SEB you can accept payments from clients of all other banks.

This offer is valid from 11 September-31 October 2023.

Find out more

Expert logo

Get €100 off Jura coffee machines

Start your day with a cup of quality coffee. SEB business customers can use the promo code JURA100 and receive a €100 discount on all full-price JURA espresso machines in Expert’s online shop.

The offer is valid from 11 September to 31 October 2023.

Take a look at the product range


free online business knowledge platform for your business growth


  • Experience video stories
  • Practical advice
  • Seminars free of charge

Documents and requirements for opening an account

The most important prerequisites for opening a bank account are the company’s connection to Estonia, a transparent ownership structure, and a transparent business model.

The connection to Estonia can be one of the following:

  • business operations that are strongly linked to Estonia (manufacturing, head office or acting office, warehouse, real estate with cash flow);
  • main long-term business partners, suppliers, and/or clients are located in Estonia;
  • goods are physically moved through Estonia, e.g. using local logistics companies or local warehouses.

In accordance with local and international laws and regulations and the Know Your Customer principle, we may ask for supplementary documents, information, or clarifications prior to forming or continuing a business relationship (e.g. bank statements, documents showing the source of capital, information on the structure of the group, list of beneficiaries, etc.).

If the ultimate beneficial owner is a Russian or Belarusian citizen, you will be asked to present a document proving their right to permanently reside in the European Economic Area or Switzerland.

If you are required to open a bank account prior to the registration of a company,  please visit the start-up account page.

The bank may take up to 10 working days to make the decision regarding the initiation of a customer relationship and we may ask the client for supplementary documents which accordance with the Know Your Customer principle. This might include a bank statement from another existing bank. If you have any questions, please contact the department of non-resident customer relations at

Know Your Customer
Price list of services