VISA Business is a debit card with the advantages of a credit card, to which credit limit is not assigned.
An employee of the company can use the VISA Business debit card to the extent of the actual funds in the company’s account and subject to the limit assigned to her/him.
By joining the Business Client Plan, all Mastercard Business debit cards and Visa Business debit cards are without a monthly maintenance fee. Choose plan
As of October 1 2020, we will no longer issue VISA Business debit card. If you wish, you can order a contactless MasterCard Business debit.
With the VISA Business debit credit you can
Employer can
Getting an overview of transactions made by the card user
Amendment of card transaction limits
Application and closure of bankcards
Compilation of source documents for the company’s accounting department based on transaction statements
Card limits
Assign limits pursuant to your need.
You can assign the debit card daily and monthly user limits - amounts, which prevent making larger transactions with the given card during a specified period.
Card functions
Choose only necessary functions
If you do not use the bankcard for purchases on the Internet or abroad, you can exclude these functions. If necessary, you can change the options for the use of your card via the Internet Bank at any time. Changes will take effect immediately.
Order VISA Business debit card from
In Internet Bank, you can sign the card agreement also digitally; at a bank office, a signatory may order the card.
The card is issued at the SEB branch based on the card user’s identity document. The card can be picked up within four banking days in Tallinn and ten banking days outside Tallinn.
The card is valid for three years. Upon expiry, we shall prepare you a new card and inform you about the methods of delivery.
Ordinary cards | |
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1. Mastercard debit card, Visa 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 (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 2 |
3. Gold debit card, Mastercard 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. Picture card 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. Picture card debit card for legal entity | |
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 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 | |
Temporary-card | |
issue | EUR 3 |
(1) Starting from 08.01.2019 it is not possible to order Visa Electron debit card. Starting from 01.10.2020 it is not possible to order Visa Classic and Visa Business 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 | |
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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 other banks 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. Cash withdrawal at a service enterprise (fee as per price list of the enterprise to be added) | free of charge |
7. Fee for transaction in foreign currency (3) | |
transaction original currency is other (excl. EUR) | 1,5% of the transaction amount |
8. Balance inquiry (balance, last transactions) | |
from SEB Estonia ATM´s | free of charge |
from other bank’s ATM | EUR 0.40 / per inquiry |
9. Fee for change in debit card limit | |
at a bank office | EUR 2.50 |
internet-bank | free of charge |
10. Preparation of express bank cards | EUR 40 |
11. Debt claim letter of debit card by post | EUR 1.28 |
12. Contractual penalty for use of blocked card, breach of limit or amounts not paid in time | EUR 65 |
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.
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