Change language:
Image
People in the office

SEB Baltic Gateway

Paragraphs

Fast and secure financial data exchange with the bank

SEB Baltic Gateway is an application programming interface (API) for direct connection and data exchange between the bank and accounting or any other type of software. This allows your company to use banking services conveniently from your own software and automate accounting operations. 

Connect your accounting software directly with SEB
Exchange data securely in real-time
Automatically receive information about transactions in your SEB’s account and in other Baltic banks

SEB Baltic Gateway possibilities

Available services for the operator channel depends on your accounting software provider, while with direct integration you can connect any service which you need.

Statements and reports

  • Account statements:  for previous day and for any period in past 2 years.
  • Account intraday reports: get transactions throughout the day for near real time view of your account.
  • Account information from other banks: receive transactions and balance from your company’s accounts opened in other banks (currently enabled for: SEB, Swedbank and Luminor in Baltics, LHV).
  • POS terminal reports: card payments data if you have card merchant agreement.

Payment features

  • Payment import: send payment orders for confirmation in business internet bank.
  • Payment initiation: send digitally signed payment orders for immediate execution and get processing statuses. All types of payments and different features are supported, like consolidated payment.
  • E-Signing service for easier digital signature creation needed for payment initiation

Other services

  • E-invoice forwarding: send e-invoices to your customers and receive reports about concluded applications.

Choose a suitable usage model for your business needs

Two usage models are supported, you can either connect through supported operator or develop a direct integration.

Operator channel


Easy and cost-efficient way to use services in case you are working with an accounting software which is already connected with SEB as an operator:

Using basic services via operator channel is free of charge for a customer with a service plan.

How to get started 

  1. Board member of the company needs to sign the agreement in internet bank.
  2. After signing the agreement, SEB will activate the services within 1 working day.
  3. Activate the service in accounting software or notify your operator about agreement with SEB.

Direct channel


In case you prefer to connect your software directly with the bank, we offer an option for custom-built service usage. Review the services and consult with your IT provider regarding the integration with our modern and developer friendly API-s.

How to get started

  1. Develop and test your technical solution.
  2. Apply for SEB Baltic Gateway agreement by contacting the bank.
  3. Services are activated after agreement has been signed.

Need an advice?

  • Please contact the bank at  +372 665 5100  or  info@seb.ee.
  • We will contact you within 1-2 business days
  • Receive individual consultations and adjusted solutions

Technical requirements

In order to use the API's your company needs to correspond to the principles and requirements established in the technical specification:

  • develop and maintain software that would enable functional and secure data exchange with SEB and usage of the messages in correct formats;
  • be able to create a valid electronic signature or e-seal in the case of services which require additional confirmation (for example payment initiation);
  • obtain certificate for authentication from SEB to enable authenticated and secure connection;
  • ensure the security of the private key related to the certificate for authentication, software and related systems which are used for exchanging the messages, as well as the integrity and confidentiality of the exchanged data.

SEB Baltic Gateway technical specification (PDF)

More details about the technical requirements can be found in SEB developer portal.

Prices and conditions

1. SEB internet bank for private Individuals
sign-upfree of charge
2. SEB internet bank for business
sign-upfree of charge
agreement amendment
- by a bank employee (1)EUR 10
- by an administrator at the internet bankfree of charge
monthly feefree of charge
automatic inquiry from commercial registerEUR 2.24
monthly fee for non-resident legal entities registered outside European Economic AreaEUR 10
3. SEB mobile app
   sign-upfree of charge
   paymentcommission fee of the respective payment in an electronic channel
4. Express notification
agreement conclusion, amendment, terminationfree of charge
notification by SMS messageEUR 0.20 per message
notification by e-mailfree of charge
5. Standing payment order
agreement conclusion, amendment at the internet bankfree of charge
agreement conclusion, amendment at a bank officeEUR 5
agreement cancellationfree of charge
paymentcommission fee of the respective payment in an electronic channel
6. Adding predefined paymentsfree of charge
7. E-invoice with automated standing order
agreement conclusion, amendment, terminationfree of charge
internal paymentEUR 0.08
European ordinary payment (2)EUR 0.19
8. Forwarding of e-invoices (3)
agreement conclusionEUR 60
agreement amendmentEUR 20
agreement monthly maintenance feeEUR 7
monthly fee of the agreement, incl. the use of e-invoice forwarding programmeEUR 12
fee for forwarding e-invoices (per every e-invoice sent)EUR 0.15
template designed at company's request – implementation/ amendmentEUR 200
migration of standing ordersaccording to the agreement
9. Digital coin jar
agreement conclusionfree of charge
monthly maintenance feefree of charge
payment to savings depositfree of charge
10. Bank link
subscriptionmin EUR 65
transaction fee1% of transaction value, min EUR 0.13, max EUR 3.20 per transaction
- for Financial intermediation companiesEUR 1.28
amendment of agreementEUR 15
authentication (3) 
- subscriptionEUR 65
- amendment of agreementEUR 15
- authentication feeEUR 0.08 per transaction, min. EUR 20 per month
11. Payment card servicing in a company
subscriptionfree of charge
transaction processing feeas per contract
preparation and installation of POS Terminal as agreed with the clientfree of charge
preparation and installation of the POS Terminal the latest by the next banking dayEUR 75
monthly fee of Terminalas agreed with the bank
12. Trading Station
subscriptionfree of charge
13. Additional services
- first issuance of Smart-ID at a bank officefree of charge
- subsequent issuance of Smart-ID at a bank office (4)EUR 9.90
- issuing of PIN- calculatorEUR 15
- replacement of PIN calculatorEUR 15
- issuing PIN-calculator to remotely identified user of business internet bank (3), (8)EUR 200
14. Management of foreign accounts via SEB Estonia's internet bank for business
Baltic Online (foreign accounts in SEB Baltic banks) 
- subscription to the service (5)EUR 15
- only the SEB Latvia or SEB Lithuania account(s) have been included in the client´s internet bankEUR 10 per month
- both, the SEB Latvia and SEB Lithuania accounts have been included in the client´s internet bankEUR 15 per month
- contract amendmentsEUR 10
15. SEB Baltic Gateway
Direct channel 
sign-up feeEUR 50
account statements (except intraday) and/or POS reportsEUR 10 per month
account intraday reports (real-time account information)EUR 25 per month
payment initiation and/or e-invoice forwardingEUR 25 per month
account information from other banksEUR 10 per month
e-signingEUR 0.10 per signature
Operator channel 
- sign-up feefree of charge
Basic services – account statements and intraday reports, account information from other banks, POS reports and payment initiation EUR 5 per month (6)
- e-invoice forwardingEUR 10 per month
- e-signingEUR 0.10 per signature
Fees for operator 
sign-up feeEUR 50
monthly feeas agreed with the bank
16. E-invoice portal
E-invoice portal package Basic 
sign-up feefree of charge
monthly feefree of charge
sending an e-invoice to e- invoice portal* users public bodies and to SEB internet bank**up to 5 invoices per month free of charge (7)
E-invoice portal package Premium 
sign-up feefree of charge
monthly fee (3)EUR 7
sending an e-invoice to e- invoice portal* users public bodies, to SEB internet bank** and to application of any credit institution within the possibilities of the e-invoice portal (3)up to 30 invoices free of charge, each subsequent invoice 0.24 euros

(1) Only those changes to the agreement which are made by an employee of the bank but can be made by a person with administrator rights at the internet bank for business are subject to a fee.
(2) E-invoices with automated standing order are effected only in euros.
(3) VAT as per Value Added Tax Act will be added to the price.
(4) Price includes VAT as per Value Added Tax Act.
(5) Cost per one company and one state to be joined.
(6) The monthly fee will not be applied to clients using business customers´ Standard, Standard+, Premium, Premium+ plans.
(7) After sending five invoices, the opportunity to join the E-invoice portal package Premium.
(8) Fee will be applied in case user is identified remotely and it is not possible to use Estonian ID-card, Mobile-ID or Smart-ID.

* E-invoice portal means the software offered by AS SEB Pank within the meaning of the e-invoice portal agreement and the environment arved.ee provided by UnifiedpostAS.
** Under the E-invoice portal Basic package, e-invoices can be forwarded to SEB internet bank for private Individuals and SEB internet bank for business.