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SEB Baltic Gateway


Fast and secure financial data exchange with the bank

SEB Baltic Gateway is an application programming interface (API) for direct connection and data exchange between the bank and accounting or any other type of software. This allows your company to use banking services conveniently from your own software and automate accounting operations. 

Connect your accounting software directly with SEB

Exchange data securely in real-time

Automatically receive information about transactions in your SEB’s account and in other Baltic banks

SEB Baltic Gateway possibilities

Available services for the operator channel depends on your accounting software provider, while with direct integration you can connect any service which you need.

Statements and reports

  • Account statements:  for previous day and for any period in past 2 years.
  • Account intraday reports: get transactions throughout the day for near real time view of your account.
  • Account information from other banks: receive transactions and balance from your company’s accounts opened in other banks (currently enabled for: SEB, Swedbank and Luminor in Baltics, LHV).
  • POS terminal reports: card payments data if you have card merchant agreement.

Payment features

  • Payment import: send payment orders for confirmation in business internet bank.
  • Payment initiation: send digitally signed payment orders for immediate execution and get processing statuses. All types of payments and different features are supported, like consolidated payment.
  • E-Signing service for easier digital signature creation needed for payment initiation

Other services

  • E-invoice forwarding: send e-invoices to your customers and receive reports about concluded applications.

Choose a suitable usage model for your business needs

Two usage models are supported, you can either connect through supported operator or develop a direct integration.

Operator channel

Easy and cost-efficient way to use services in case you are working with an accounting software which is already connected with SEB as an operator:

Using basic services via operator channel is free of charge for a customer with a service plan.

How to get started 

  1. Board member of the company needs to sign the agreement in internet bank.
  2. After signing the agreement, SEB will activate the services within 1 working day.
  3. Activate the service in accounting software or notify your operator about agreement with SEB.

Direct channel

In case you prefer to connect your software directly with the bank, we offer an option for custom-built service usage. Review the services and consult with your IT provider regarding the integration with our modern and developer friendly API-s.

How to get started

  1. Develop and test your technical solution.
  2. Apply for SEB Baltic Gateway agreement by contacting the bank.
  3. Services are activated after agreement has been signed.

Need an advice?

  • Please contact the bank at  +372 665 5100  or
  • We will contact you within 1-2 business days
  • Receive individual consultations and adjusted solutions

Technical requirements

In order to use the API's your company needs to correspond to the principles and requirements established in the technical specification:

  • develop and maintain software that would enable functional and secure data exchange with SEB and usage of the messages in correct formats;
  • be able to create a valid electronic signature or e-seal in the case of services which require additional confirmation (for example payment initiation);
  • obtain certificate for authentication from SEB to enable authenticated and secure connection;
  • ensure the security of the private key related to the certificate for authentication, software and related systems which are used for exchanging the messages, as well as the integrity and confidentiality of the exchanged data.

SEB Baltic Gateway technical specification (PDF)

More details about the technical requirements can be found in SEB developer portal.

Prices and conditions

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
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)
E-invoice portal 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. Starting from 16.04.2024 the monthly fee will not be applied to clients using business customers´ Standard, Standard+, Premium, Premium+ plans.
(8) After sending five invoices, the opportunity to join the E-invoice portal package Premium.

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