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Contactless debit card Mastercard Business

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It checks all the boxes

With any business customer plan, all Mastercard Business debit cards come without a monthly maintenance fee. Monthly fee without plan - 2 EUR.
Link several cards to a single current account: order cards for your company’s employees and specify the permitted transactions and the limits thereof for each card.
The bank will automatically exchange all payments, executed in a difference currency, i.e., when paying for purchases by card abroad, in the base currency of the account.
Pay for your business travel expenses, make hassle-free payments for your online purchases, as well as withdraw cash at ATMs worldwide.

Contactless payments are proved to be safe

  • Enable or disable contactless payments at any time in the mobile app
  • Create digital version of your Mastercard business card and pay by phone or your other NFC device
  • Without entering PIN, you can pay up to 50 EUR for one purchase and this limit can’t be changed. You can change the limit within 5-50 EUR in the Internet Bank
  • If you enter a wrong PIN three times consecutively when making a purchase, the card will be automatically blocked for security reasons. You can unblock the card at SEB bank‘s ATMs by entering correct PIN.

In case you lost your card

  • Block the card by using the mobile app, Internet Bank, or report this immediately by calling us at +372 665 5100 
  • In case you still can’t find your card, a new one can be ordered in Internet Bank for business
  • If you need to make some urgent payments with your card, consider creating a temporary card
     

Frequently asked questions

  • With a new contactless card, the first transaction shall be made at an ATM or POS terminal at the merchant as usual – the card must be entered into the terminal and transaction confirmed with a PIN. After the first chip transaction, the contactless function is activated, and it is possible to make contactless payments.
  • You can activate (and deactivate) the contactless function of a debit card in Internet Bank and at a branch.
  • To use contactless payments, you need to allow card payments at a company, activate the contactless payment option and determine the suitable limit for contactless payments.
     

Contactless payments in SEB are secure and correspond to the required standard. Further security is ensured by the contractual purchase limits and various restrictions, which you can apply depending on your consumption habits.

You can design a personalised bank card only as a customer of SEB. Pick a suitable image for the card from our created designs or from among your own favourite pictures.
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.
 

If you ordered your card to be delivered to one of our branches, then it can be picked up after four business days in Tallinn and ten days outside Tallinn. In case your card is delivered to you by post, then it takes approximately 7 business days.

The card is valid for three years. Upon expiry, we will issue you a new card in advance automatically and inform you about the methods of delivery.

  • You can assign the debit card daily and monthly user limits in Internet Bank for business or in branch and change them according to your needs.
  • Daily cash withdrawal limit is the amount, which can be withdrawn from an ATM in one day. Maximum daily cash limit is 3500 EUR.
  • Daily limit for purchases and payments is the amount, within which it is possible to make card payments or transfers in ATMs in a day. Maximum daily limit for purchases and payments is 20,000 EUR.
  • Monthly limit is the amount, within which it is possible to use the card for payments, withdrawal of cash from ATMs and bank transfers in one month. Assigning a monthly limit is not obligatory.
  • Increasing the credit limit will need additional credit decision to be made by the bank.
     

Credit card

Increase your possibilities with Mastercard contactless credit card - choose an interest-free credit for up to 45 days.

Service plans

Find the most suitable service plan that represents your needs and saves your business funds - a package costs less than each service separately

Accepting card payments

Provide your customers possibility to pay by card. Choose card reader terminal which suits your business needs.

Ordinary cards

1. Mastercard debit card  
activating the card at a bank office or through the customer support (1) EUR 3
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 3 
activating the prolonged card in the Internet Bank, the mobile app, or at an ATM free of charge
replacement 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 3
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 3
activating the prolonged card in the Internet Bank, the mobile app, or at an ATM free of charge
replacement 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 3
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 3
activating the prolonged card in the Internet Bank, the mobile app, or at an ATM free of charge
replacement 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
replacement 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
replacement 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 

(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 2.50
mail outside Estonia EUR 6
17. Taking a bank card from an ATM and returning it (4) EUR 30

(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) Confiscated cards are returned during the opening hours of the bank office of the bank. Only cards of other banks are returned.