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Virtual Card

Virtual Card

Safest way for Internet purchases

  • Short term
  • Limit matching the purchase
  • Immediately ready for use

With a Virtual Card, which is unique in Estonia, you can buy from any virtual store of the world, where you can pay with a VISA card. This secure bankcard has limited funds just for the specific purchase and a short term of validity.

  • With a Virtual Card, you can buy from Internet stores, where it is possible to pay with a VISA card.
  • Virtual Card is related to the money in your current account allocated for the specific purchase.
  • Short term of validity and optional limit add even more safety. Even if an impostor is able to gain possession over your card data, he has no use for them, since the card either has no funds anymore or the card is to expire soon.

You can order a virtual card only in Internet Bank for Business. No physical card is prepared.

  • The card is valid for 40 days.
  • When ordering the card you can assign a purchase limit in amount up to EUR 3500. The limit assigned will apply for the entire validity term of the card, that is, the full limit will not become available again at the beginning of the following month.
  • You can use one card for purchasing from different Internet stores or order a new card for each purchase.
  • Likewise to a credit card, also the virtual card has a three-digit security feature CVV2, necessary for purchasing and making the use of the card safe on the Internet.

Read more about the virtual card conditions

  • Select “Virtual card application” in Internet Bank for Business
  • Enter the amount, for making the required card transactions (provided the account balance is sufficient for that). When entering the amount, consider also transportation costs of goods.
  • You can use the card immediately after placing the order.
  • Select payment with VISA credit card as means of payment.
  • Enter the card data: number, validity and security feature CCV2.
  • Card data (number, validity, security feature, limit and free funds) can be viewed only in Internet Bank.
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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