Business
VISA Business debit card
A debit card with the advantages of a credit card
- Reliable at the merchants
- Convenient at ATMs
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.
With the VISA Business debit credit you can
- pay for the goods and services in Estonia and abroad
- withdraw cash from ATMs in Estonia and abroad
- make cash deposits into the company’s account from an SEB ATM
- make information inquiries on the account and transactions
- book flight tickets or hotel rooms or rent a car
- pay on the Internet
Employer can
- Assign user rights for the card in Internet Bank. E. g., payments on the Internet, transactions in foreign countries, viewing account statement or balance; carrying out cash transactions or purchase transactions.
- Determine in Internet Bank the amount, which the cardholder may use in a day or month for withdrawal of cash, payment for purchases etc.
- Determine at a bank office the following rights of employees for using the Internet Bank for Business:
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
- VISA Business is a debit card prepared on the blank of a credit card, to which all debit card conditions apply.
- With a debit-credit card, an employee of the company can use the funds in the company’s account within a limit, assigned to him.
- All card settlements are transacted in euros. Transactions made in foreign currencies are beforehand converted into euros.
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.
- Daily cash withdrawal limit is the amount, which can be withdrawn from an ATM in one day. Maximum daily cash limit is EUR 3500.
- Daily limit for purchases and payments is the amount, within which it is possible to make card payments or transfers in ATMs in a day. Maximum daily limit for purchases and payments is EUR 20,000.
- Monthly limit is the amount, within which it is possible to use the card for payments, withdrawal of cash from ATMs and bank transfers in one month. Assigning a monthly limit is not obligatory.
Card functions
Choose only necessary functions
- The card enables cash transactions and card payments
- Possibility to view account information
- Possibility to pay at Internet stores
- Possibility to pay and/or withdraw cash in foreign countries
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 | |
|---|---|
| 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 | |
| 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 | |
| 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. Pildikaart 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. 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 3 |
(1) Starting from 08.01.2019 it is not possible to order Visa Electron 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 | |
|---|---|
| 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 | |
| at a bank office | EUR 2.50 |
| 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 | 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.
