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Gold Debit card

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With Gold debit card you can

  • Priority service at a bank office
  • Affordable travel insurance for up to three family members
  • Offers from SEB partners

Application

  • To apply for the card, you must have a Gold Client status in SEB
  • Fill in the debit card application in the Internet Bank, via video meeting or at your nearest SEB branch
  • We shall reply to your application in a few days. In case of a positive answer, we will send you the card by post
     

Compare debit cards

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debit card

Debit card

  • Use contactless function for payments up to 150 euros
  • Possibility to use for mobile contactless payments
  • Payments in Estonia and abroad
  • Cash deposits and withdrawals from ATMs
  • No monthly fee with SEB Plans

 

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Isic_debit_card

ISIC and ITIC cards

  • Proves your academic status
  • Provides thousands of discounts
  • Usable as a public transport card
  • Possibility to use for mobile contactless

 

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picture_card

Picture card

  • Personal and distinct
  • Available as a debit or credit card
  • Pay for the goods on the Internet
  • Make contactless payments up to 150 euros

 

What to do if your payment card is lost or stolen?

  • Report this immediately by calling +372 665 5100 to block the card, or block the card yourself by using the mobile app
  • When you block your card, you can order a new payment card immediately
  • Within one week, we will produce and issue a new card and provide you a new PIN code. A defined fee is applied for new card issuance according to the price list

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”)

Manage your card in the app

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Want to make sure you find the most suitable solution? 

  • Our customer executives will help you find the best solution for you
  • We have a dedicated team of professionals you can trust

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.