With Picture card you can
- Design a personal and distinct SEB card for you. Tens of thousands of people all over Estonia are using this option already
- Pick a suitable image for the card from our created designs or from among your own favorite pictures
- Select either debit or a credit card
- Pay for the goods on the Internet
- Make contactless payments up to 150 euros
- Make contactless payments with your Android phone
Checklist for the applicant of a credit card
When applying for a credit card, you should do a proper homework:
- consider for what and how much credit you need, as well as what would be your sources for repayment
- submit us true and adequate information for making the credit decision
- make it very clear for yourself which costs are involved in taking the credit card
- consider the possibility that your financial situation may deteriorate, and you must be able to repay the credit also when it happens
- examine carefully all credit documents (agreement, information sheet, etc.), before signing
- there are no unsolvable problems and situations, but there are different options – we are your partner, who you should contact well in advance even if you encounter problems with repaying the credit
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

ISIC and ITIC cards
- Proves your academic status
- Provides thousands of discounts
- Usable as a public transport card
- Possibility to use for mobile contactless
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”)
- by calling SEB Bank at +372 665 5100 (24/7) or on Skype
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 |
Initial ISIC card issuance in the period 15.08-30.09 | free of charge |
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 |
Initial ISIC card issuance in the period 15.08-30.09 | free of charge |
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 |
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) Only bank cards issued by foreign banks shall be returned. Confiscated cards are returned at the Tornimäe or Tartu bank branch.
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
Suitable picture
To order a picture card, upload your favourite picture in the Internet Bank or on the homepage and soon you will have a unique bankcard in your hands. If you do not have an account with SEB, we shall open it when you come to pick up the card.
- The image files may be either in JPEG, GIF, BMP or PNG format, with maximum file size 10MB and size of the image at least 1036x664 pixels.
- Images, violating protection of trade marks or copyright may not be used on the card
- The design may not contain inappropriate motifs, state symbols, and inappropriate nakedness or be contrary to good morals and practice. The design may not contain tobacco products, alcohol, drugs, weapons, banknotes, coins, political or religious statements or symbols
- The design may not contain images of famous people (musicians, athletes, public figures, etc)
- The design should not be monochrome
To order a picture card, upload your favourite picture in the Internet Bank or on the homepage and soon you will have a unique bankcard in your hands. If you do not have an account with SEB, we shall open it when you come to pick up the card.
Estonian National Opera
Our co-operation with Estonian National Opera began in 2003, when SEB became the gold sponsor of the theatre. You can order a bankcard with a photo you like the most of the brilliant performances of the Estonian National Opera.