You can use ISIC and ITIC cards for
- Everyday bank transactions
- Online purchases
- Contactless payments up to 150 euros
- Proving your academic status throughout the world, as it bears your date of birth, photo and name of the school in addition to your name and signature
- The use in the school cafeteria, library, for printing or in access systems (if this option has been provided)
- Receiving discounts at thousands of places in Estonia and abroad
ISIC Student card can be applied for from the age of 16
- Student, studying full or part-time
- Student, studying in a distance learning program
- Student on academic leave
- Student of open universities, completing a confirmed Bachelor’s, professional higher education, or Master’s curriculum
ISIC Student card cannot be applied for by: external students, interns, residents
ISIC Scholar
Applying for a card from the ages of 6 to 17
- via video meeting
- in the child´s Internet Bank*, if you wish to link the card to the child’s account
- on the homepage, if you are not a client of SEB
* Internet Bank agreement can be concluded for a child from the age of 7
Applying for a card from 18 years of age
- in the Internet Bank, if you are a client of SEB
- on the homepage, if you are not a client of SEB
ITIC Teacher
You can obtain an ITIC Teacher card, if you:
- are engaged in pedagogical work (in terms of the Education Act) in an educational institution that has an education license issued by the Ministry of Education and Science of the Republic of Estonia or;
- in a social welfare institution and your workload of teaching is at least 18 hours per week or assigned as a full-time job
- are a member of Estonian Education Personnel Union
Did you know that SEB ISIC and ITIC cards are made of corn and contain 82% less plastic compared to a regular bank card?
The cards are made of corn mass, into which chip and antenna are pressed. The card is then covered on both sides with a thin layer of plastic, which together with the chip and the antenna make up 18 per cent of the card. Corn plastic, which is biodegradable at 58 °C and 90 per cent air humidity, needs protection in normal conditions – hence the plastic layer.
The greenness of the card lies mainly in the production process: where the raw material for the PVC (polyvinyl chloride) plastic polymer is petroleum products, the raw material for PLA (polylactic acid) corn plastic is corn starch. The production process of these bioplastic cards produces less CO2 emissions.
The idea for the card was developed by SEB’s young colleagues within the framework of the Youth LAB internship programme. By introducing ISIC and ITIC bank cards made of corn, we at SEB will save about 230 kg of plastic per year.
Compare debit cards

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

Gold Debit card
- Priority service at a bank office
- Special offers from our partners
- Priority service by phone on 665 5100, when calling from the number provided in your contact data

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 or internet bank
- When you block your card, you can order a new payment card immediately
- Within one week, we will produce and issue a new card. 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 (“Cards” → “My cards” → “Block the card”)
- by calling SEB Bank at +372 665 5100 (24/7)
Yes. You can order a card for yourself in the Internet Bank on the page "Cards" → "New card". We send the cards both by post and to the Omniva parcel machine. We can send the card to your residential address, office address or elsewhere in Estonia or abroad, whereever you usually stay or prefer to receive the card at. Sending by ordinary mail in Estonia is free.There is a fee for sending the card to the parcel machine.
You can view your card’s PIN code in the Internet Bank section "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 (“Cards” → “My cards” → “Activate the 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 (“Cards” → “My cards” → “Change data”)
More about debit cards
Ordinary cards
1. Mastercard debit 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 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 | free of charge |
issuance of a replacement card | 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 5 |
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 5 |
activating the prolonged card in the Internet Bank, the mobile app, or at an ATM | free of charge |
issuance of a replacement card | 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 5 |
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 5 |
activating the prolonged card in the Internet Bank, the mobile app, or at an ATM | free of charge |
issuance of a replacement card | 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 |
issuance of a replacement card | 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 |
issuance of a replacement card | 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
issue | EUR 3 |
(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 5 |
mail outside Estonia | EUR 10 |
parcel machine in Estonia | EUR 3.20 |
(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.
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
Representative for the ISIC brand in Estonia is Federation of Estonian Student Unions.