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Internet bank

Manage your funds and banking services in a secure online environment


Constantly putting our best effort to improving our services to make them convenient, easy to use, and accessible to everyone, we are now beginning the process of renewing our internet bank.  

More modern in design, easier to use, and supplemented with additional functionalities – this is the updated internet bank that we are aiming for. 

Updated internet bank


What have we changed?

  • New login page, common for both private and business customers
  • New main page for private customers with a set of useful information at a glance
  • Menu supplemented with a search bar and moved to the left side of the page, for easier and faster navigation. You can also collapse the menu, giving you more space to perform the needed tasks
  • Easy language switch accessible in the footer
  • Virtual advisor to help you with any urgent questions
  • Dark theme switch in the footer
  • Improved accessibility, so everyone, including the disabled, can use our services

Frequently asked questions

  1. Make sure that you start at our official web page by typing on address line and move to internet bank via the webpage. Do not use search engines, such as Google or Yahoo!, as these might offer you fraudulent pages.
  2. Check if the internet bank address starts with “” and Also, it would be good to review and confirm that the certificate is issued to AS SEB Pank.
  3. After opening the webpage, carefully inspect whether its design and functionalities are correct. When the webpage is cloned by the fraudsters, functionality, as well as the visual part may not be complete and correct. Therefore, please pay attention to the following aspects: 
  • Homepage or login page look – are the visuals correct and you can open different texts and tabs, meaning that the functionalities work without malfunction?
  • Authentication means – are all of them available? E. g., on our internet bank page, you can choose from all available authentication means, whereas in fraudulent pages, you might miss some of them
  • Language change – does it work correctly? When you change the language on a fraudulent page, it might not change or be switched to a different one

Yes, it is safe to use the virtual advisor on internet bank. The solution is already being used on our website, and has proven its worth. Virtual advisor will help you find answers to your questions.

The moon or the sun symbol is a switch for changing the theme of the internet bank to dark or light. Your theme selection will be remembered, until you delete the page cookies.

There are two ways to change the language that you want to operate in: First, in the upper right corner of the login page. The second way is to log in to the internet bank, and then to switch the language at the bottom left side of the page, near the moon symbol.

When concluding an internet bank agreement, the bank sets a transaction limit of 1,500 euros per day and 3,000 euros per month for each account included in the agreement. If you wish, you can change the limits immediately after concluding the agreement at a bank branch or later in the internet bank yourself.

Internet bank transaction limits can be viewed and changed in internet bank section “Accounts” → “Current accounts and limits“. Increases in the limits within the standard limits (10,000 euros per day and 10,000 euros per month) or reductions in any amount will take effect automatically once they are approved.

If you need higher limits, you can submit an application in the same section, but before the change takes effect, the bank employee will review the application. The employee will inform you of the decision to change the limits (or the need to provide additional documents) within 3 working days. If the application is urgent, please contact us. As soon as the application is approved, we will send you an SMS.

If the need for higher limits is temporary, you can set a time period (up to 180 days) for higher limits, upon which your transfer limits will be reduced back to the previous limits.

If you became a customer via the mobile application, non-standard transfer limits apply to you – up to 4,000 euros a day and 10,000 euros a month for online payments and up to 5,000 euros for card payments. If you want to ensure full access to internet bank services, please make an appointment for a video meeting or visit a bank branch.

If the internet bank is not used actively, the session will end in 5 minutes (previously – 10 minutes) in accordance with the requirements of the European Union regulation (PDF) on strong customer authentication. At the same time, the internet bank can determine whether you are actively using it. For example, if you are filling in a payment form, typing or moving the mouse, the session will not be timed out.

To add your account to the Internet Bank of another person, the account owner must fill an application form, specifying the following details:

  • The first name, last name, and personal identification code of the account owner and the account number (current or savings account);
  • Information – first name, last name, and personal identification code – of the Internet Bank owner ( the person to whose Internet Bank the account will be added);
  • The date until which the account is visible, or a note that the agreement is without a term;
  • The daily and monthly limit, if payments will be allowed, or a note that payments are prohibited (the right to view only the account statement).

The completed form must be signed with a qualified electronic signature and forwarded to the Internet Bank owner. The Internet Bank owner must upload the electronically signed form in the section ‘Additional services’ → ‘E-documents’ of the Internet Bank and sign it with any means of authentication.

In the case there is a power of attorney added to banking system for internet bank owner to represent account owner (including parental power of attorney and guardianship) the Internet Bank agreement owner can download, fill in, and send the application to the bank with one signature.

Application form

Signing the internet bank agreement provides you the full range of our services 

  • Transfer money, use and create payment templates, as well as take advantage of automated standing orders and e-invoices.
  • View your account balance, statements and manage accounts.
  • Manage your cards – order and activate new cards, view PIN codes and change cards settings.
  • Start investing and making savings with our innovative solutions, such as the Digital Coin Jar and Robo-Advisor.
  • Apply for a loan, leasing, credit card or simply book a video meeting to discover how our services can benefit you.
  • Create a safety net for you and your family with a variety of our insurance services. 
  • Log in and authenticate in websites of various third-party service providers and state departments. 
  • Change transaction limits and amend current agreements. 

Software and browser requirements

Our internet bank supports the following browsers:

  • Google Chrome
  • Safari
  • Microsoft Edge

To ensure full functionality, we recommend you always use the latest versions of software. Please update your browser and operating system version as soon as the update is released. The same conditions apply for using our webpage and mobile application.

NB! It is not possible to use SEB's online services (including the internet bank and mobile application), while staying in North Korea, Syria, Cuba, the Crimean region, Iran and Venezuela. The restrictions stem from extensive international sanctions that apply to these regions. More detailed information about the sanctions SEB Pank follows is provided in the general terms and conditions.

Login tools and electronic signatures

While using our internet bank, your funds and data are secure because of the multi-tier data protection system, which prevents unauthorised persons from accessing your account. Your internet bank can only be accessed by using unique authorisation codes provided by various authentication tools – Smart-ID, ID card, mobile ID or other.

Prices and conditions

1. SEB Internet Bank for Private Individuals
sign-up free of charge
2. SEB Internet Bank for Business
sign-up free of charge
agreement amendment
- by a bank employee (1) EUR 10
- by an administrator at the Internet Bank free of charge
monthly fee free of charge
automatic inquiry from commercial register EUR 2.24
monthly fee for non-resident legal entities registered outside European Economic Area EUR 10
3. SEB mobile app
   sign-up free of charge
   payment commission fee of the respective payment in an electronic channel
4. Other mobile services
information inquiries (as per operator's price list)
   - Telia EUR 0.38
   - Elisa EUR 0.26
   - TELE2 EUR 0.26
5. Express notification
agreement conclusion, amendment, termination free of charge
notification by SMS message EUR 0.20 per message
notification by e-mail free of charge
6. Standing payment order
agreement conclusion, amendment at the Internet Bank free of charge
agreement conclusion, amendment at a bank office EUR 5
agreement cancellation free of charge
payment commission fee of the respective payment in an electronic channel
7. Adding predefined payments free of charge
8. E-invoice with automated standing order
agreement conclusion, amendment, termination free of charge
internal payment EUR 0.08
European ordinary payment (2) EUR 0.19
9. Forwarding of e-invoices (3)
agreement conclusion EUR 60
agreement amendment EUR 20
agreement monthly maintenance fee EUR 7
monthly fee of the agreement, incl. the use of e-invoice forwarding programme EUR 12
fee for forwarding e-invoices (per every e-invoice sent) EUR 0.15
template designed at company's request – implementation/ amendment EUR 200
migration of standing orders according to the agreement
10. Digital coin jar
agreement conclusion free of charge
monthly maintenance fee free of charge
payment to savings deposit free of charge
11. Bank link
subscription min EUR 65
transaction fee 1% of transaction value, min EUR 0.13, max EUR 3.20 per transaction
- for Financial intermediation companies EUR 1.28
amendment of agreement EUR 15
authentication (3)  
- subscription EUR 65
- amendment of agreement EUR 15
- authentication fee EUR 0.08 per transaction, min. EUR 20 per month
12. Payment card servicing in a company
subscription free of charge
transaction processing fee as per contract
preparation and installation of POS Terminal as agreed with the client free of charge
preparation and installation of the POS Terminal the latest by the next banking day EUR 75
monthly fee of Terminal as agreed with the bank
13. Trading Station
subscription free of charge
14. Additional services
issue of a security device  
- PIN calculator EUR 15
replacement of PIN calculator EUR 8
first issuance of Smart-ID at a bank office free of charge
subsequent issuance of Smart-ID at a bank office (4), (5) EUR 5
15. Management of foreign accounts via SEB Estonia's Internet Bank for Business
Baltic Online (foreign accounts in SEB Baltic banks)  
- subscription to the service (6) EUR 15
- only the SEB Latvia or SEB Lithuania account(s) have been included in the client´s Internet Bank EUR 10 per month
- both, the SEB Latvia and SEB Lithuania accounts have been included in the client´s Internet Bank EUR 15 per month
- contract amendments EUR 10
16. SEB Baltic Gateway
Direct channel  
sign-up fee EUR 50
account statements (except intraday) and/or POS reports EUR 10 per month
account intraday reports (real-time account information) EUR 25 per month
payment initiation and/or e-invoice forwarding EUR 25 per month
account information from other banks EUR 10 per month
e-signing EUR 0.10 per signature
Operator channel  
- sign-up fee free of charge
Basic services – account statements (except intraday), account information from other banks, POS reports and payment initiation  EUR 5 per month (7)
- account intraday reports (real-time account information) EUR 10 per month
- e-invoice forwarding EUR 10 per month
- e-signing EUR 0.10 per signature
Fees for operator  
sign-up fee EUR 50
monthly fee as agreed with the bank
17. E-invoice portal
E-invoice portal package Basic  
sign-up fee free of charge
monthly fee free of charge
sending an e-invoice to e- invoice portal* users public bodies and to SEB Internet Bank** up to 5 invoices per month free of charge (8)
E-invoice portal package Premium  
sign-up fee free of charge
monthly fee (3) EUR 7
sending an e-invoice to e- invoice portal* users public bodies, to SEB Internet Bank** and to application of any credit institution within the possibilities of the e-invoice portal (3) up to 30 invoices free of charge, each subsequent invoice 0.24 euros

(1) Only those changes to the agreement which are made by an employee of the bank but can be made by a person with administrator rights at the Internet Bank for Business are subject to a fee.
(2) E-invoices with automated standing order are effected only in euros.
(3) VAT as per Value Added Tax Act will be added to the price.
(4) Except for minors.
(5) Price includes VAT as per Value Added Tax Act
(6) Cost per one company and one state to be joined.
(7) Monthly fee is not applied to clients with SEB Plans. Starting from 16.04.2024 the monthly fee will not be applied to clients using business customers´ Standard, Standard+, Premium, Premium+ plans.
(8) After sending five invoices, the opportunity to join the E-invoice portal package Premium.

* E-invoice portal means the software offered by AS SEB Pank within the meaning of the e-invoice portal agreement and the environment provided by UnifiedpostAS.
** Under the E-invoice portal Basic package, e-invoices can be forwarded to SEB Internet Bank for Private Individuals and SEB Internet Bank for Business.

Financial scam traps: how to protect yourself?

If you want to see what a scam victim looks like, look around. Various people suffer from malicious cyberspace – students, unemployed, businessmen, retirees, and higher education teachers. Scam techniques are becoming more elaborated, scammers are evolving, so we have to take an interest and protect ourselves.