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Business

Picture Card

Picture Card

A bankcard with corporate insignia

  • Distinctive and presentable
  • As debit and credit card
  • Reliable in Estonia and abroad
  • To make contactless payments on amount up to 25 euros

A bankcard with corporate insignia differs from personal cards of the employees and acts as the company’s ‘visiting card’.

  • A bankcard with corporate insignia differs from personal bankcards of the employees and acts as the company’s ‘visiting card’.
  • You can order debit as well as credit cards with special design.

Depending on whether you want the picture card as a debit or credit card, the card is respectively subject to the terms and conditions of a debit or credit card.

Terms and conditions of a debit card

Terms and conditions of a credit card

User and credit limit:

  Picture debit card Picture credit card
User limit of the card Daily cash withdrawal limit up to 3,500 euros, daily payment limit up to 6,500 euros;

Adding a monthly limit is optional

0–6,500 euros per calendar month
Credit limit* - Minimum 300 euros per calendar month
Changing user limit Takes effect immediately Takes effect immediately
Changing credit limit - Upon application

* The credit limit of the card depends on the turnover and risk class of the company.

Important information when ordering the picture credit card:

Repayment of credit

  • The bank prepares a statement as at the last day of the month about the purchases and cash withdrawals conducted during that month and sends you the statement at the beginning of the following month.
  • You can choose the day of repayment (5th – 15th date). On the day of repayment, the funds used with the credit cards during the previous month shall be repaid in full.
  • If the account linked to the card does not have the necessary funds on the day of repayment, interest on arrears shall be added to the deficit sum.
  • Interest is not calculated for the credit sum used during the calendar month until the repayment day of the following month. At the beginning of every month, a new credit limit is made available in full.
  • You can use the available funds on the current account linked to the card.
  • You can transfer the credit limit to your current account.

Application

  • You can order the picture card from the Internet Bank for Business or at an SEB branch
  • After submitting the application, a business client executive will contact you within a few days. At the bank office, the card may be ordered by a signatory.
  • The card is issued at the SEB branch based on the identity document of the card user. The card is received within four banking days in Tallinn and ten banking days outside of Tallinn.
  • You can set the monthly and daily limits and transactions, which may be carried out with the card, in the Internet Bank.
  • When ordering the card by post, activate the card after receiving it either in the Internet Bank for Business. If you order the card by post, you will be charged a fee in accordance with the price list.
  • The card is valid for three years, whereupon we shall prepare you a new card.

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.

Suitable picture

  • 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)
Ordinary cards  
1. MC contactless debit card, Visa Classic debit card, VISA Electron debit card, MC debit card (1)  
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 1
2. MC 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  
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 1.50
4. Pildikaart debit card for private individual  
issue, replacement, prolongation EUR 3.20
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 2,50

(1) Starting from 02.10.2018 it is not possible to order MC debit card and starting from 08.01.2019 it is not possible to order Visa Electron debit card.
(2) Ordered from electronic services – free of charge.

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  
over the counter EUR 1.60
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 free of charge

(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.

Contact

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