Price list and terms and conditions of AS SEB Pank will change
On 1 June 2026, changes will enter into force in the price list, general terms and conditions, terms and conditions of current account agreement, terms and conditions of international debit card agreement and terms and conditions of service plan agreement for private customer, private loan product terms and conditions, and terms and conditions of the internet bank for private clients.
The fee for issuing a bank account statement on paper at a branch office, as well as by email or post, will increase. Issuing an account statement in the internet bank will remain free of charge.
We will also increase the activation fee for certain bank cards if activation takes place at a branch office or through customer support. Activation of these bank cards through self-service channels will remain free of charge.
We are also revising the price list for securities transactions to make it clearer and easier for customers to follow.
Changes to the price list
| Service | Currently valid | From 01.06.2026 |
|---|---|---|
| At a bank office on paper - transactions from year 2000 | EUR 0,6 per page, min. EUR 6 | EUR 0,6 per page, min. EUR 10 |
| By e-mail | EUR 6 | EUR 10 |
| By mail - by mail monthly statement in Estonia | EUR 8 | EUR 10 |
| By mail - by mail monthly statement outside Estonia | EUR 11 | EUR 15 |
| Service | Currently valid | From 01.06.2026 |
|---|---|---|
| Cash deposit at a bank office starting from EUR 10 000 (except coins)1,4 - in other account in SEB Pank | 0,5% of the amount | Service offering discontinued |
| Additional fee for paying unreserved cash amounts on the same day2 | EUR 50 | Service offering discontinued |
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.
4 Cash transactions can only be carried out in branch offices that use cash.
| Service | Currently valid | From 01.06.2026 |
|---|---|---|
Activating the card (incl. replacement, prolonged card) at a bank office or through the customer support1 Mastercard debit card, Mastercard Business debit card, Mastercard Gold debit card, Picture card debit card for private individual, Picture card debit card for legal entity3 | EUR 5 | EUR 5 |
1 A card ordered to a bank office always activated by an employee of the bank office when the card is issued.
3 It is not possible to order new cards starting from 16.04.2024.
| Service | Currently valid | From 01.06.2026 |
|---|---|---|
Activating the card (incl. replacement, prolonged card) at a bank office or through the customer support1 Credit cards for private individual: Credit card with fixed payment, Picture card with fixed payment2, Mastercard credit card, Picture card credit card2, MC Gold and Premium credit card; Credit cards for legal entity: Mastercard Business credit card, Mastercard credit card Picture card2, Mastercard Gold and Premium credit card2 | EUR 5 | EUR 10 |
1 A card ordered to a bank office always activated by an employee of the bank office when the card is issued.
2 It is not possible to order new cards starting from 16.04.2024.
| Service | Currently valid | From 01.06.2026 |
|---|---|---|
| Overdraft - agreement amendment1 | EUR 15 | free of charge |
| Endowment loan - agreement amendment1 | up to 0,4% of the remaining loan, min. EUR 190 | free of charge |
| Other loan-related services | Currently valid | From 01.06.2026 |
|---|---|---|
| - re-registration of a pledge established on a building into a mortgage | free of charge | Service offering discontinued |
| - certificate on paid interests | EUR 5 | Service offering discontinued |
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).
| Authorisations, reports, certificates, invoices, other2 | Currently valid | From 01.06.2026 |
|---|---|---|
| Sale of the lease object to a third party | EUR 50 | EUR 150 |
2 Service fees include VAT as per Value-Added Tax Act.
| Change | Currently valid | From 01.06.2026 |
|---|---|---|
| In the fund transactions section the name of the service provider has been changed | SEB Investment Management AB | SEB Funds AB |
| Information about the Italian transaction has been added to the footnote | 16 A financial transaction tax of the respective country may be added to the transaction (e.g. 0,4% 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). A financial transaction tax or similar charge may also be applied to transactions resulting from corporate events, and that is debited from a client’s account within two months of the transaction (taking place). | 16 A financial transaction tax of the respective country may be added to the transaction (e.g. 0,4% of the transaction amount in case of purchasing securities of an issuer in France; 0,2% of the transaction amount in case of purchasing securities of an issuer in Spain; and 0,2%-0,4% depending on the transaction in Italy). A financial transaction tax or similar charge may also be applied to transactions resulting from corporate events, and that is debited from a client’s account within two months of the transaction (taking place). |
| The fund classes of SEB Funds AB have been added to the footnote | 27 SEB Asienfond ex. Japan C, E unit classes belongs to this group. | 27 SEB Asienfond ex. Japan C, E unit classes and SEB Funds AB U, F, H, I, J and K unit classes belongs to this group. |
| Service | Currently valid | From 01.06.2026 |
|---|---|---|
| SEB Baltic Gateway - e-invoice forwarding | EUR 10 per month | E-invoice forwarding service has been added to the basic services. EUR 5 per month6 |
6 Standard, Standard+, Premium, Premium+ ärikliendi paketti omavatele klientidele kuutasu ei rakendu.
Changes to the terms and conditions
In the general terms and conditions, we will clarify the terms for providing a basic payment service to private customers who legally reside in the European Union. We will add the grounds for entering into a basic payment service agreement, refusing to enter into such an agreement, and terminating the agreement.
To comply with anti-money laundering requirements, we will specify the general grounds for refusing to enter into an agreement and for terminating an agreement. We will also add a provision regarding restrictions on the transfer of assets upon termination of an agreement. In addition, we will clarify the time limits for handling complaints.
In the terms and conditions of current account agreement, we will shorten the period during which payments made in favour of the customer are accepted after the agreement has ended. We will also add a clarification that, depending on the grounds for terminating the agreement, the bank must apply statutory restrictions when paying out funds.
In the terms and conditions of international debit card agreement, we will clarify the grounds for terminating the agreement and add the bank’s right to offer services of the bank’s partners to account holders and cardholders. When using such services, the terms and conditions of the respective partners will apply.
In the terms and conditions of the internet bank for private clients, we will remove the restriction on internet bank usage that currently applies to customers who have established a customer relationship via the mobile application, and we will clarify the grounds for terminating the agreement. We will align the wording of the terms and conditions with the wording used in the bank’s general terms and conditions. In addition, we will replace SEB’s personal data processing terms and conditions with SEB Privacy Policy.
In the terms and conditions of service plan agreement for private customer, we will clarify the channels used to notify customers about invitations to join a service plan and to provide consent to such invitations.
In the private loan product terms and conditions, we will consolidate the conditions for calculating the interest difference fee for loans secured by collateral with a fixed interest rate under one heading, “Interest difference fee”, with updated wording. The principle for calculating the interest difference fee will not change.
The terms and conditions of all, including updated SEB products and services, are available on the SEB terms and conditions page.
If you agree to the changes, you do not need to take any action: in this case, the new price list and terms and conditions will apply to your agreement(s) from 1 June 2026. If you do not agree to the changes in the price list or the terms and conditions, you have the right to terminate the agreement(s) concluded with the bank by 31 May 2026 at the latest.
