A service plan provides plenty of useful solutions
- Free current accounts for managing your finances
- Free payments to other Estonian and European banks
- Debit and credit cards with no monthly fee
- Trauma insurance
- Purchase and travel insurance for credit card holders
- Withdraw larger amounts from SEB ATMs in Estonia, Latvia and Lithuania free of charge
- Free settlements for children and young people with SEB's new service plans
Service plans for private customers
Scroll the table horizontally, in order to see more information on different service plans.
| Service name | Price list | Youth1 | Daily2, 14 | Diverse14 | Exclusive14 | Elite3 |
|---|---|---|---|---|---|---|
| Option to apply via the Internet Bank | Automatically applied1 | Apply | Apply | Apply | Apply | |
| Entry into plan, monthly fee | No monthly fee | EUR 1.45 Age 18-25 (incl.) free of charge From age 65 EUR 0.32 | EUR 2.95 | EUR 10 | EUR 33 | |
| Current accounts without monthly fee4 | EUR 0.30/7 per account12 | |||||
| Unlimited number of free intra-bank and European payments in electronic channels5 | EUR 0.08–0.25 per payment13 | |||||
| 1 debit card without maintenance fees6 | EUR 1 / 1.50 | Mastercard debit card Picture Card debit card ISIC/ITIC card | Mastercard debit card Picture Card debit card ISIC/ITIC card | Mastercard debit card Picture Card debit card ISIC/ITIC card Mastercard Gold debit card | Mastercard debit card Picture Card debit card ISIC/ITIC card Mastercard Gold debit card | Mastercard debit card Picture Card debit card ISIC/ITIC card Mastercard Gold debit card |
| Cash withdrawals from SEB ATMs in Estonia, Latvia and Lithuania free of charge (monthly limit is same for all debit cards) | up to EUR 600 per calendar month per customer (account owner) free of charge | EUR 1000 | EUR 1000 | EUR 1200 | EUR 2000 | EUR 3000 |
| Instant trauma compensation11 | EUR 50/year | EUR 100/year | EUR 200/year | |||
| Credit card without maintenance fees7, 8 | EUR 1.60/7.50/30 | 1 Mastercard credit card or Picture Card credit card with purchase insurance | 1 Mastercard Gold credit card or Mastercard Premium credit card with extra services8:
These services are only included with the Mastercard Gold or Mastercard Premium credit card. | 1 Mastercard World Elite credit card with extra services8:
In addition, 1 credit card (excl. Mastercard Platinum and Mastercard World Elite credit cards)9 | ||
| Interest on credit card with fixed payment -2 % discount8 | 18% per year of the credit limit used | |||||
| Possibility to add members10 | Up to 2 members. The owner of the plan pays a monthly fee of EUR 1 per member.15 | Up to 2 members. No monthly fee is charged from members. | Up to 4 members. No monthly fee is charged from members. | |||
| Sending a card to a parcel machine within Estonia free of charge | EUR 3.20 | |||||
| Mastercard Picture card activation at a branch free of charge | EUR 5 | |||||
| Debit card (ISIC Scholar, ISIC Student, Mastercard Debit card, Mastercard Picture card) limit change at a branch free of charge | EUR 2.50 |
Scroll the table horizontally, in order to see more information on different service plans.
| Service name | Diverse | Exclusive | Elite |
|---|---|---|---|
| Current accounts without monthly fees4 | |||
| Unlimited number of intra-bank and European payments in electronic channels5 | |||
| 1 debit card without maintenance fees6 | Mastercard debit card Picture Card debit card ISIC/ITIC card Mastercard Gold debit card | Mastercard debit card Picture Card debit card ISIC/ITIC card Mastercard Gold debit card | Mastercard debit card Picture Card debit card ISIC/ITIC card Mastercard Gold debit card |
| Cash withdrawals from SEB ATMs in Estonia, Latvia and Lithuania free of charge (monthly limit is same for all debit cards) | EUR 1200 | EUR 2000 | EUR 2000 |
| Instant trauma insurance11 | EUR 100 / year | EUR 200 / year | EUR 200 / year |
| Credit card without maintenance fees7,8 | 1 Mastercard credit card or Picture Card credit card with purchase insurance | 1 Mastercard credit card or Picture Card credit card with purchase insurance | 1 Mastercard credit card or Picture Card credit card with purchase insurance |
| Interest on credit card with fixed payment -2 % discount8 |
1 The Youth Plan applies to private customers up to the age of 25 (inclusive) without entering into a contract, unless the customer has entered into another plan contract.
2 For private customers up to the age of 25 years (inclusive), the Daily Plan is free of charge. For private customers over 65 years of age, the Daily Plan costs EUR 0.32 per month. The Youth plan applies to private customers up to the age of 25 (inclusive) without entering into a contract, unless a customer aged 18-25 has entered into another plan contract.
3 The prerequisite for choosing the Elite Plan is a valid SEB Private Banking Customer Agreement.
4 We do not offer a current account to non-residents of EEA Member States who have a plan with no monthly fees.
5 Includes an unlimited number of intra-bank and European payments (incl. instant payments), e-invoices with automated standing orders and standing order payments to European banks.
6 In the Youth and Daily plans, the card related to the earliest debit card agreement entered into is free of charge, except for the Mastercard Gold debit card. The Diverse, Exclusive and Elite plans have a Mastercard Gold debit card with no monthly fees or, in its absence, the card related to the earliest debit card agreement entered into.
7 No monthly fee is charged on the earliest issued credit card included in the service plan.
8 Obtaining a credit card depends on solvency. Joining a plan does not guarantee the issuing of a card.
9 The Elite plan also includes a Mastercard Premium credit card with no monthly fee or, in its absence, a Mastercard credit card or Picture credit card.
10 A plan member can be an adult who has a current account in SEB. Note that the services used by the members of the plan differ from those of Exclusive and Elite plan owners.
11 With trauma insurance, you are compensated if, as a result of an accident, you suffer a health problem (trauma) due to which you are required to visit an emergency medical department. The indemnity is paid for one such event per calendar year, and its occurrence must be proven by medical records. The indemnity is paid within two working days of the required medical documents being submitted. The customer does not need to enter into an insurance agreement to obtain this cover. The insurance is valid from the day after entering into the service plan agreement until the expiry of the agreement, or until the member is removed from the service plan. The trauma insurance is provided by the Estonian branch of SEB Life and Pension SE. Review the information on the instant trauma insurance service and the insurance terms and conditions (incl. limitations and exclusions) on the website of SEB.
12 There is no monthly fee for customers who live in Estonia or the European Economic Area who are using plans. Customers who live in other countries who are using plans are charged the full monthly fee.
13 The price of intra-bank and European payments via electronic channels (incl. standing payment orders and bank link payments) is EUR 0.25. The price of intra-bank payments made with a standing payment order is EUR 0.08, and the price of a regular European payment is EUR 0.19.
14 For SEB Gold Customers, the Daily and Diverse plans have no monthly fee, while the monthly fee for the Exclusive Plan is 25% cheaper than the standard price: it costs EUR 7.50/month.
15 As the owner of a Diverse Plan, a Gold Customer can add up to 2 members to the plan free of charge.
Service plans calculator
FAQ
The SEB service plan calculator will help you choose the plan that best suits you. You will find further information about the features and conditions of all service plans and can enter into an agreement on our website and in the Internet Bank, or at a bank branch if you prefer.
The Youth Plan (with no monthly fee) applies to children and young people (up to the age of 25) by default – no agreement is needed.
The prerequisite for subscribing to the Elite Plan is a valid SEB private banking customer agreement. Read more: www.seb.ee/en/private-banking
The fee is deducted from the bank account linked to the agreement within the first 10 days of the month (generally on the 4th of the month). The fee for entering into the service plan is debited from the bank account linked to the agreement the day after the agreement is signed. The new service plan takes effect on the same day. No monthly fee is charged for the month in which the service plan agreement is entered into.
You can do so at any time in the Internet Bank or at a branch. If you terminate your agreement in the middle of a month, the bank is entitled to charge the monthly fee for that month in proportion to the number of days the agreement was valid.
Depending on your plan, you can withdraw cash from SEB ATMs in Estonia, Latvia, and Lithuania in the amount of up to EUR 2000 per month free of charge. If the withdrawal limit specified in your plan is exceeded, the fee set out in the general price list applies to the amount by which the limit is exceeded.
Up to two people can be invited to join the Diverse and Exclusive plans, and up to four people can be invited to join the Elite plan. Those invited to join must be adult private customers of SEB, such as friends or family members. No additional fee is charged for members who are invited to join the Exclusive and Elite plans. The monthly fee for a member invited to join the Diverse service plan is EUR 1, paid by the service plan holder. A holder of the Diverse plan who is a Gold Customer of SEB can invite up to two members to join the plan without any additional fees.
The list of services applicable to a member of a plan is described under the plan type, and may differ from the services provided to the plan holder. The details of the services available to the holders and members of service plans can be found on the SEB website.
The service plan holder can add or remove members in the Internet Bank or at a branch by entering into a new agreement or amending an existing one. Those invited become members of the service plan as soon as they accept the invitation.
The insurance covers accidents that require a visit to an emergency department, and also applies to private customers abroad. The accident must be verified by a medical document issued by a doctor.
The amount of cover offered by the Daily Plan is EUR 50, while for the Diverse Plan it is EUR 100, and for the Exclusive Plan it is EUR 200. The indemnity is paid within two working days of the required medical documents being submitted. The indemnity is only paid for one accident per year.
The customer does not need to have a credit card to use this insurance. Nor do they need to enter into a separate insurance agreement – a valid plan agreement is enough.
The terms and conditions of trauma insurance are available on the SEB website.
In the case of a loss event, you can quickly and easily apply under your plan agreement in the Internet Bank (My plan -> Report a loss), via the insurance claim submission form on the SEB website, or by visiting a SEB branch.
To apply for the indemnity, the insured person must:
- go to their nearest emergency department as soon as possible;
- make sure they have access to their medical history from an emergency doctor; and
- provide the insurer with full information on the circumstances of the insured event and their medical history.
The indemnity is paid into the SEB current account of the insured person (as indicated in the service plan contract) within two working days of the insurer receiving all the necessary documents. The insurance indemnity is only paid for one accident per year.
The monthly fee is not charged for the debit or credit card linked to the agreement that was entered into first.
All SEB credit cards come with purchase insurance. In addition, holders of Premium, Gold, Platinum, and Word Elite credit cards receive travel insurance for the whole family and, as an additional Mastercard service, access to airport business lounges if their flights are delayed, plus the option to use Fast Track security lanes. More information about the services of the Premium credit card and the World Elite credit card is available on the SEB website.
Credit card applications must be submitted in the Internet Bank or at a branch. A credit card is a credit product, and whether it is issued depends on the customer's solvency. Joining a plan does not guarantee that a credit card will be issued.
Premium travel insurance, WE travel insurance, and purchase insurance loss events can be reported by filing a claim on the SEB website or in the self-service environment of PZU Kindlustus.
