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.
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:
- Tarkvaralabor OÜ: korto.ee
- Merit Tarkvara AS: merit.ee
- Briox Estonia OÜ: briox.ee
- Acclouding OÜ: acclouding.ee
- SimplBooks OÜ: simplbooks.ee
- Excellent Business Solutions Eesti AS: excellent.ee
- Smart Accounts OÜ: smartaccounts.eu
- Directo OÜ: directo.ee
- Vallaste ja Partnerid OÜ: vjap.ee
Using basic services via operator channel is free of charge for a customer with a service plan.
How to get started
- Board member of the company needs to sign the agreement in internet bank.
- After signing the agreement, SEB will activate the services within 1 working day.
- 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
- Develop and test your technical solution.
- Apply for SEB Baltic Gateway agreement by contacting the bank.
- Services are activated after agreement has been signed.
Need an advice?
- Please contact the bank at +372 665 5100 or info@seb.ee.
- 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. 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 |
| 5. 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 |
| 6. Adding predefined payments | free of charge |
| 7. 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 |
| 8. 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 |
| 9. Digital coin jar | |
| agreement conclusion | free of charge |
| monthly maintenance fee | free of charge |
| payment to savings deposit | free of charge |
| 10. 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 |
| 11. 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 |
| 12. Trading Station | |
| subscription | free of charge |
| 13. Additional services | |
| - 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 |
| - issuing of PIN- calculator | EUR 15 |
| - replacement of PIN calculator | EUR 8 |
| - issuing PIN-calculator to remotely identified user of business internet bank (9) | EUR 200 |
| 14. 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 |
| 15. 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 and intraday reports, account information from other banks, POS reports and payment initiation | EUR 5 per month (7) |
| - 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 |
| 16. 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) 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.
(9) Fee will be applied in case user is identified remotely and it is not possible to use Estonian ID-card, Mobile-ID or Smart-ID.
* 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 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.
