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Credit card with fixed payment

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Minimum

200 euros

A credit line up to 200% of your monthly net income

fee

Card is issued free of charge and has no monthly maintenance fee

up to

150 euros

Contactless payments

It provides more than you expect

Secure payments. Apply remotely and receive card by post in a few days
Access to your own money and to the credit granted by the bank. If you are not using the bank’s money, you will not be charged for it.
At SEB ATMs you can change your card’s PIN with the one you prefer
You may buy also travel insurance with the card.

Wide range of coverage

  • Travel expenses
  • Car rent
  • Hotel reservation
  • Your car repair costs
  • Replacing broken household appliances
  • Larger purchases
  • Your medical expenses

Travel insurance

Affordable travel insurance for up to three family members. The annual insurance premium of PZU* travel insurance is only 89 euros. In addition to the Gold card owner, the insurance additionally covers up to three family members
The insurance is valid all over the world (except in the Republic of Estonia). You can conclude the travel insurance agreement in the Internet Bank

Learn more

* PZU is the trademark of AB “Lietuvos draudimas” Estonian branch. 
 

Card payments

  • In the internet bank or mobile app you can set allowed transactions and spending limits for your cards.
  • For additional security of online purchases made with cards, you need also to connect to your internet bank, thus confirming your identity.
  • Contactless functionality makes small purchases simple and quick, without inserting your card in the POS terminal and entering the PIN code. Maximum amount of contactless payment is 150 euros. 

How to make your card payments or payments from card account even easier:

 

  • Transfer money in the mobile app to recipients from your phonebook
  • Set up standing orders and review them in the internet bank
  • Make payments with Android phone by creating a digital version of your card
     

Compare credit cards

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private card predetermined repayment image

Credit card with predetermined repayment

  • 1.60 euros a month
  • Up to 45 days of interest-free credit
  • Possibility to transfer credit limit
  • Possibility to use your own funds
  • You can choose the day of repayment (5th – 15th date)
  • Make contactless payments up to 50 euros

    

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credit-card-with-fixed-payment

Credit card with fixed payment

  • Free of charge
  • Regular monthly repayment
  • Additional contributions possible
  • Special interest of 16% for users of Super+, Senior or Family Plan
  • Make contactless payments up to 50 euros

   

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Gold credit card

Gold credit card

  • 3.50 euros a month
  • Up to 45 days of interest-free credit
  • Priority service at bank offices
  • Possibility to transfer credit limit
  • Possibility to use your own funds
  • You can choose the day of repayment (5th – 15th date)
  • Make contactless payments up to 150 euros
  • Higher monthly transaction limits provide more flexibility for your payments

 

Get more for less with our service plans

SEB Plans include all the daily banking services, which are important for you
For the users of Super+, Senior and Family Plan:

  • No monthly fee is applied for credit card with predetermined repayment or credit card with fixed payment
  • Special interest of 16% for credit card with fixed payment

The more services you use, the more favourable the chosen service plan will become for you. 
 

Types of repayment schemes 

Credit card with predetermined repayment


The amount of credit limit is from 1200 euros up to 100% of your monthly net income. You may use the interest-free credit limit free of charge for up to 45 days – if you pay back the used credit limit amount by the 15th day of the next month, no interest will be charged, and the full credit limit will be available again.

Credit card with fixed payment

 

  • Repayments of a fixed-payment credit card are made in fixed repayments on a specific date. Additionally, you can make payments to your account in order to speed up the repayment of the exhausted credit limit.
  • Minimum amount of mandatory repayment is 1/24 of credit limit.
  • You can choose a suitable payment date between 5th and 15th of the month.

In case you lost your card

If your card is lost or stolen, please block it immediately:

  • in the internet bank (section “Accounts/Cards” → “My cards”);
  • in the mobile app (in the Cards section, select your card and press Blocking);
  • SEB 24/7 help line no +372 665 5100.

If your card is lost or stolen, please block it immediately:

Your card will be blocked so that it can not be used by anybody.

Private individual  
1. Credit card with fixed payment  
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 free of charge
activating the prolonged card and additional card at a bank office or through the customer support (1) EUR 5
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM free of charge
replacement card EUR 5
monthly fee free of charge
2. Picture card with fixed payment  
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 and additional card at a bank office or through the customer support (1) EUR 5
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM EUR 3,50
replacement card EUR 5
monthly fee free of charge
3. Mastercard credit card  
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 free of charge
activating the prolonged card and additional card at a bank office or through the customer support (1) EUR 5
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM free of charge
replacement card EUR 5
monthly fee EUR 1.60
4. Picture card credit card  
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 and additional card at a bank office or through the customer support (1) EUR 5
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM EUR 3,50
replacement card EUR 5
monthly fee EUR 1,60
5. MC Gold credit card  
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 and additional card at a bank office or through the customer support (1) EUR 5
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM EUR 3,50
replacement card EUR 5
monthly fee EUR 3,50
6. Mastercard Platinum credit card (with Priority Pass service and travel insurance Platinum)  
activating the card at a bank office or through the customer support (1) EUR 25
activating the card in the Internet Bank, the mobile app, or at an ATM EUR 20
activating the prolonged card and additional card at a bank office or through the customer support (1) EUR 25
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM EUR 20
monthly fee EUR 10
hooldustasu kuus EUR 10
7. Mastercard World Elite credit card (with Priority Pass service and travel insurance World Elite)  
issue (with the cover of Emergency service, incl. prolongation) EUR 35
replacement card EUR 15
additional card EUR 35
monthly fee EUR 35
Legal entity  
1. Mastercard Business credit card  
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 2
activating the prolonged card and additional card at a bank office or through the customer support (1) EUR 5
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM EUR 2
replacement card EUR 5
monthly fee EUR 3
2. Mastercard credit card-Picture card
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 and additional card at a bank office or through the customer support (1) EUR 5
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM EUR 3,50
replacement card EUR 5
monthly fee EUR 3
3. Mastercard Gold credit card  
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 and additional card at a bank office or through the customer support (1) EUR 5
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM EUR 3,50
replacement card EUR 5
monthly fee EUR 7
4. Mastercard Platinum credit card (with Priority Pass service and travel insurance Platinum)  
activating the card at a bank office or through the customer support (1) EUR 25
activating the card in the Internet Bank, the mobile app, or at an ATM EUR 20
activating the prolonged card and additional card at a bank office or through the customer support (1) EUR 25
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM EUR 20
replacement card EUR 10
monthly fee EUR 12

(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. Approval of loan limit free of charge
2. Annual interest of used loan 18%
3. Credit card with fixed payment (MC credit cardPicture card)  
interest on used credit 18% per year
4. Approval/extension of credit limit free of charge
5. Security deposit interest rate one-month term deposit
6. Agreement amendment  
loan limit change free of charge
credit limit change EUR 10
permanent change of monthly limit  
           at a bank office EUR 3.20
           internet-bank free of charge
7. Temporary card´s limit increase 1,5% of additional limit, min. EUR 8
8. Regular statement  
by e-mail to a legal entity(1) free of charge
by post in Estonia EUR 0.4 per page, min EUR 4
by post outside Estonia EUR 0.4 per page, min EUR 10
9. Single statement at a bank office  
for up to last 10 years EUR 4
10. Balance inquiry (balance; last transactions)  
from SEB Estonia ATM's free of charge
from other bank's ATM EUR 0.40 / per inquiry
11. Payment at a service enterprise (fee for transaction in foreign currency will be added) free of charge
12. Cash deposit in SEB Estonia ATM’s (2)  
up to EUR 4000 in a calendar month per client (holder of account(s)) with credit and/or debit card free of charge
if the amount exceeds EUR 4000 in a calendar month per client (holder of account(s)) with credit and/or debit card 0.3% of the deposited amount
13. Cash withdrawal from cash machine or bank office (incl. abroad) Fee for transaction in foreign currency will be added EUR 2 + 2.5% of the withdrawn amount
14. Transfer of credit limit to current account EUR 2 + 2% of the transaction amount
15. Fee for transaction in foreign currency (3)  
transaction original currency is other (excl. EUR) 1,5% of the transaction amount
16. Blocking of card by bank free of charge
17. Debt claim letter EUR 5
18. Contractual penalty for use of blocked card, breach of limit or amounts not paid in time EUR 65
19. Duplicate of POS receipt  
domestic transaction EUR 4
cross-border transaction EUR 8
20. Unjustified demand for refund  
domestic transaction EUR 12
cross-border transaction EUR 16
21. Preparation of express bank cards EUR 40
22. Sending a card by  
mail in Estonia free of charge
registered mail in Estonia EUR 2.50
mail outside Estonia EUR 6
23. Using Priority Pass service EUR 27 per using
24. Taking a bank card from an ATM and returning it (4) EUR 30

(1) Starting from 11.10.2018, it is not possible to order regular account statements by e-mail.
(2) 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.
(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.

Frequently asked questions

In case your card is lost or stolen, we suggest blocking it immediately. You can block the card: 

  • in the mobile app (“Cards” → “Card” → “Blocking”)
  • in the Internet Bank (“Accounts and cards” → “My cards” → “Block card”)
  • by calling SEB Bank at +372 665 5100 (24/7) or on Skype
     

Yes. You can order a new card in the Internet Bank section "Accounts and cards" → "New card". Debit cards are sent by post. We can send the card to your residential address, office address or anywhere else in Estonia or abroad, wherever you usually stay or prefer to receive the card at. Sending by ordinary mail in Estonia is free.

You can view your card’s PIN code in the Internet Bank section "Accounts/Cards" → "My cards" → "View PIN code".

Yes. You can change the PIN code by using an ATM of SEB.

First you need to activate the card. You can do it either in mobile app or the Internet Bank:

  • in the mobile app (“Cards” → “Card”)
  • in the Internet Bank (“Accounts and cards” → “My cards” → “Activate card”)
     

A maximum daily limit for cash withdrawal at an ATM by a debit card is 3500 euros.
You can change cash withdrawal limits:

  • in the mobile app (“Cards” → “Settings and limits”)
  • in the Internet Bank (“Accounts and cards” → “My cards” → “Change details”)

Which loan type is the most suitable for you?

Select the goal you wish to achieve and compare the available financing solutions.

Home purchase or construction

 

Buying a car

 

Home renovation and furnishing

 

Daily needs and larger purchases

 

Studying

 

Travelling