It checks all the boxes
Your free-of-charge credit can support you at challenging times or use it for everyday payments such as fuel, taxi, office, supplies or business dinners.
You can link several credit cards to a one business account – order them for employees and individually adjust limits and allowed transactions
You can easily switch between using credit limit or own funds with same card.
Effective several credit cards management - order them for employees and individually adjust limits and allowed transactions
Up to 45 days interest free credit
- Pay for the goods and services in Estonia as well as abroad, including e-shops. When paying in foreign countries, you don’t have to worry about exchanging currency – the bank will perform all necessary conversions automatically.
- Withdraw cash from ATMs in Estonia as well as abroad. A fee is applied for cash withdrawal.
- View transactions information and card balance in ATMs.
- Use your indispensable companion when travelling if you want to book a hotel room or rent a car.
Digital wallets – pay with SEB card in your smart device
- Apple users can use Apple Pay on supported devices for secure and fast payments in stores, apps and online
- Garmin and Fitbit users can add cards to smartwatches for contactless payments in stores
- Add your SEB bank card to your SEB mobile application and use your smart devices for quick and easy payments.
- Any type of activated Mastercard payment card can be added to Digital wallets
In case you lost your card
- Block the card by using the mobile app, Internet Bank, or report this immediately by calling us at +372 665 5100
- In case you still can’t find your card, a new one can be ordered in Internet Bank for business
- 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
- With a new contactless card, the first transaction shall be made at an ATM or POS terminal at the merchant as usual – the card must be entered into the terminal and transaction confirmed with a PIN. After the first chip transaction, the contactless function is activated and it is possible to make contactless payments.
- You can activate (and deactivate) the contactless function of a credit card in Internet Bank and at a branch.
Contactless payments in SEB are secure and correspond to the required standard. Further security is ensured by the contractual purchase limits and various restrictions, which you can apply depending on your consumption habits.
You can design a personalised bank card only as a customer of SEB. Pick a suitable image for the card from our created designs or from among your own favourite pictures.
- 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.
If you ordered your card to be delivered to one of our branches, then it can be picked up after four business days in Tallinn and ten days outside Tallinn.
In case your card is delivered to you by post, then it takes approximately 7 business days.
The card is valid for three years. Upon expiry, we will issue you a new card in advance automatically and inform you about the methods of delivery.
You can assign the credit card daily and monthly user limits in Internet Bank for business or in branch and change them according to your needs.
- Daily cash withdrawal limit is the amount, which can be withdrawn from an ATM in one day. Maximum daily cash limit is 3500 EUR.
- Daily limit for purchases and payments is the amount, within which it is possible to make card payments in a day. Maximum daily limit for purchases and payments is 20,000 EUR.
- Monthly limit is the amount, within which it is possible to use the card for payments and withdrawal of cash from ATMs in one month. Assigning a monthly limit is not obligatory. It is possible to connect several cards to single credit limit and set separate limit for each card to control your employees spending?
- Increasing the credit limit will need additional credit decision to be made by the bank.
More about credit cards
Private individual |
|
1. Credit card with fixed payment | |
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 and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | free of charge |
issuance of a replacement card | EUR 5 |
monthly fee | free of charge |
2. Picture card with fixed payment | |
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 and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | EUR 3,50 |
issuance of a replacement card | EUR 5 |
monthly fee | free of charge |
3. Mastercard credit 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 and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | free of charge |
issuance of a replacement card | EUR 5 |
monthly fee | EUR 1.60 |
4. Picture card credit 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 | EUR 3,50 |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional 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 1,60 |
5. MC Gold credit 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 | EUR 3,50 |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional 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 3,50 |
6. Mastercard Platinum credit card (with Priority Pass service and travel insurance Platinum) | |
activating the card at a bank office or through the customer support (1) | EUR 25 |
activating the card in the Internet Bank, the mobile app, or at an ATM | EUR 20 |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 25 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | EUR 20 |
monthly fee | EUR 10 |
7. Mastercard World Elite credit card (with Priority Pass service and travel insurance World Elite) | |
issue (with the cover of Emergency service, incl. prolongation) | EUR 39 |
issuance of a replacement card | EUR 19 |
additional card | EUR 39 |
monthly fee | EUR 39 |
Legal entity |
|
1. Mastercard Business credit 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 | EUR 2 |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | EUR 2 |
issuance of a replacement card | EUR 5 |
monthly fee | EUR 3 |
2. Mastercard credit card-Picture 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 | EUR 3,50 |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional 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 3 |
3. Mastercard Gold credit 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 | EUR 3,50 |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 5 |
activating the prolonged card and additional 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 7 |
4. Mastercard Platinum credit card (with Priority Pass service and travel insurance Platinum) | |
activating the card at a bank office or through the customer support (1) | EUR 25 |
activating the card in the Internet Bank, the mobile app, or at an ATM | EUR 20 |
activating the prolonged card and additional card at a bank office or through the customer support (1) | EUR 25 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | EUR 20 |
issuance of a replacement card | EUR 10 |
monthly fee | EUR 12 |
(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. Approval of loan limit | free of charge |
2. Annual interest of used loan | 18% |
3. Credit card with fixed payment (MC credit card, Picture card) | |
interest on used credit | 18% per year |
4. Approval/extension of credit limit | free of charge |
5. Security deposit interest rate | one-month term deposit |
6. Agreement amendment | |
loan limit change | free of charge |
lowering the credit limit | free of charge |
increasing the credit limit | EUR 10 |
permanent change of monthly limit | |
at a bank office | EUR 3.20 |
internet-bank | free of charge |
7. Temporary card´s limit increase | 1,5% of additional limit, min. EUR 8 |
8. Regular statement | |
by e-mail to a legal entity(1) | free of charge |
by post in Estonia | EUR 0.4 per page, min EUR 4 |
by post outside Estonia | EUR 0.4 per page, min EUR 10 |
9. Single statement at a bank office | |
for up to last 10 years | EUR 4 |
10. Balance inquiry (balance; last transactions) | |
from SEB Estonia ATM's | free of charge |
from other bank's ATM | EUR 0.40 / per inquiry |
11. Payment at a service enterprise (fee for transaction in foreign currency will be added) | free of charge |
12. Cash deposit in SEB Estonia ATM’s (2) | |
up to EUR 4000 in a calendar month per client (holder of account(s)) with credit and/or debit card | free of charge |
if the amount exceeds EUR 4000 in a calendar month per client (holder of account(s)) with credit and/or debit card | 0.3% of the deposited amount |
13. Cash withdrawal from cash machine or bank office (incl. abroad) Fee for transaction in foreign currency will be added | EUR 2 + 2.5% of the withdrawn amount |
14. Transfer of credit limit to current account | EUR 2 + 2% of the transaction amount |
15. Fee for transaction in foreign currency (3) | |
transaction original currency is other (excl. EUR) | 1,5% of the transaction amount |
16. Blocking of card by bank | free of charge |
17. Debt claim letter | EUR 5 |
18. Contractual penalty for use of blocked card, breach of limit or amounts not paid in time | EUR 65 |
19. Duplicate of POS receipt | |
domestic transaction | EUR 4 |
cross-border transaction | EUR 8 |
20. Unjustified demand for refund | |
domestic transaction | EUR 12 |
cross-border transaction | EUR 16 |
21. Preparation of express bank cards | EUR 40 |
22. 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 |
23. Using Priority Pass service | EUR 30 per using |
(1) Starting from 11.10.2018, it is not possible to order regular account statements by e-mail.
(2) 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.
(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.
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