With a credit card, you can use the bank’s credit within the agreed limit, instead of using the funds in the company’s current account.
NB! Starting from 10.03.2012 no new Visa Business credit 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 credit card.
VISA Business credit card considers the needs of a business client
Use of the card
Conditions
Repayment of credit
You can apply for a credit card, if your company is registered in the Republic of Estonia, hold a current account with SEB and the company is financially solvent.
1. Order the credit card from Internet Bank for Business or an SEB branch. After submitting the application, a business client executive will contact you within a few days. At a bank office, the card may be ordered by a signatory.
2. Submit an application, a valid copy of the B-card of the Commercial Register, passport of the representative, and if necessary, a notarised power of attorney.
3. The card is issued at the SEB branch based on the card user’s identity document. The card is received within four banking days in Tallinn and ten banking days outside Tallinn.
4. Assign in Internet Bank the monthly and daily limits and transactions, which may be carried out with the card.
5. When ordering the card by post, activate the card after receiving it either in Internet Bank for Business or in Telephone Bank. If you order the card by post, you will be charged a fee in accordance with the price list.
6. The card is valid for three years, whereupon we shall prepare you a new card.
Travel insurance cover
Annual travel insurance provides cover for unexpected illness or if you need to pay for the medical costs incurred due to an accident. Insurance compensates also transportation of the patient into Estonia and emergency costs of people accompanying the patient.
Insurance covers also the cost of delay, curtailment and cancellation of trip, purchased tickets or services along with expenses incurred due to changing tickets or purchasing new tickets. The insurance package also includes baggage insurance, which offers protection for personal essential necessities and clothing, which the insured person had with him when travelling.
Compensation is also provided for expenses on lodging due to curtailment of trip, , which do not exceed the cost of accommodation contained in the tour package. And also inevitable expenses for returning home.
Read more about credit card related travel insurance
Private individual | |
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1. Credit card with fixed payment | |
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 | free of charge |
activating the prolonged card and additional card at a bank office or through the customer support (2) | EUR 5 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | free of charge |
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 (2) | 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 (2) | EUR 5 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | EUR 3,50 |
replacement card | EUR 5 |
monthly fee | free of charge |
3. Mastercard credit card, Visa Classic credit card, Mastercard Standard credit card (1) | |
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 | free of charge |
activating the prolonged card and additional card at a bank office or through the customer support (2) | EUR 5 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | free of charge |
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 (2) | 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 (2) | EUR 5 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | EUR 3,50 |
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 (2) | 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 (2) | EUR 5 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | EUR 3,50 |
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 (2) | 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 (2) | 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 |
hooldustasu kuus | 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 35 |
replacement card | EUR 15 |
additional card | EUR 35 |
monthly fee | EUR 35 |
Legal entity | |
1. Mastercard Business credit card | |
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 2 |
activating the prolonged card and additional card at a bank office or through the customer support (2) | EUR 5 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | EUR 2 |
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 (2) | 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 (2) | EUR 5 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | EUR 3,50 |
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 (2) | 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 (2) | EUR 5 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | EUR 3,50 |
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 (2) | 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 (2) | EUR 25 |
activating the prolonged card and additional card in the Internet Bank, the mobile app, or at an ATM | EUR 20 |
replacement card | EUR 10 |
monthly fee | EUR 12 |
(1) Starting from 02.10.2018 it is not possible to order Mastercard Standard credit card. Starting from 01.20.2020 it is not possible to order Visa Classic credit 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 | |
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1. Approval of loan limit | free of charge |
2. Annual interest of used loan | 18% |
3. Credit card with fixed payment (MC Standard, 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 |
credit limit change | 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 2.50 |
mail outside Estonia | EUR 6 |
23. Using Priority Pass service | EUR 27 per using |
24. Taking a bank card from an ATM and returning it (4) | EUR 30 |
(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 (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.
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