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Business

Maestro Business debit card

Maestro Business debit card

Flexible and safe means of payment

  • Reliable at the merchants
  • Convenient at ATMs

With Maestro Business debit card, the employees of the company can use the funds in the company’s account within a limit, assigned to them.

NB! Starting from 10.03.2012 no new Maestro Business debit cards can be ordered. Cards ordered until 9.03.2014 continue to be in force until the expiry date marked on the card and after expiry will be automatically replaced with Mastercard Business debit card. The debit card contract continues to be in force according to the terms and conditions and price list of debit cards.

With a debit card you can

  • pay for goods and services in Estonia as well as in abroad
  • withdraw cash from an ATM both in Estonia and abroad
  • make cash deposits into the company’s account from an SEB Estonia ATM
  • make information inquiries on the account and transactions

With a debit card, an employee of the company can use the actual funds in the company’s account within a limit, assigned to him.

Employer can

  • Assign user rights for the card in Internet Bank. E.g. transactions in foreign countries, viewing account statement or balance; carrying out cash transactions or purchase transactions.
  • Determine in Internet Bank the amount, which the card holder may use in a day or month for withdrawal of cash or payment for purchases etc.
  • Determine at a bank office the following rights of employees for using the Internet Bank for Busines:

overview of transactions made by card user
amendment of card transaction limits
applying for and closing of bankcards
compilation of source documents for the company’s accounting department based on transaction statements

  1. Order the debit card from Internet Bank for Business or your nearest SEB branch. In Internet Bank, you can sign the card agreement digitally, at a bank office the card can be ordered by a signatory.
     
  2. The card is issued at a bank office of SEB based on the card user’s identity document. The card is received within three banking days in Tallinn and ten banking days outside Tallinn.
     
  3. Assign in Internet Bank the monthly and daily limits and transactions, which may be carried out with the card.
     
  4. When ordering the card by post, activate the card after receiving it either in Internet Bank for Business or in Telephone Bank.
     
  5. The card is valid for three years, whereupon we shall prepare you a new card.

Read more about the debit card conditions

Ordinary cards  
1. Mastercard debit cardVisa Classic debit card, Visa Electron debit card (1)  
activating the card at a bank office or through the customer support (2) 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 (2)

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, Visa Business debit card  
issue  

   first card to account

free of charge

   every next card to account

EUR 3 (2)
prolongation free of charge
replacement EUR 3
monthly fee EUR 2
3. Visa Gold debit card  
activating the card at a bank office or through the customer support (2) 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 (2)

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. Pildikaart debit card for private individual  
activating the card at a bank office or through the customer support (2) 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 (2) 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. Pildikaart debit card for legal entity  
issue, replacement, prolongation 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  
1. Virtual Card  
issue EUR 2
2. Temporary-card  
issue EUR 3

(1) Starting from 08.01.2019 it is not possible to order Visa Electron debit card.
(2) 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 cross-use 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. Fee for transaction in foreign currency (3)  
transaction original currency is other (excl. EUR) 1,5% of the transaction amount
7. Balance inquiry (balance, last transactions)  
from SEB Estonia ATM´s free of charge
from other bank’s ATM EUR 0.40 / per inquiry
8. Fee for change in debit card limit  
at a bank office EUR 2.50
internet-bank free of charge
9. Preparation of express bank cards EUR 40
10. Debt claim letter of debit card by post EUR 1.28
11. Contractual penalty for use of blocked card, breach of limit or amounts not paid in time EUR 65
12. Debit card finder’s reward/refund for card confiscation and/or Emergency Service user charge in case there is no Emergency Service insurance actual expenses, up to EUR 130
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 (Visa, 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.

Contact

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