NEWS - 30. October 2018 09:20
Changes will enter into force on 1 January 2019 in the price list of AS SEB Pank, the terms of settlement, and the contracts of international credit cards, credit cards with fixed payment, and the Business Client Internet Bank.
Changes to the pricelist are related to day-to-day invoicing and concern both private and business clients. The biggest changes are related to the settlement plans. However, settlement plans will still be the most affordable solution for our clients compared to purchasing each product separately on a regular basis.
Changes to the commission fees
For a comparison of current and future prices, see table below.
In the terms of settlement, we specified that the bank can choose not to pay the incoming payment to the account if the account number in the payment order and the name of the receiver are contradictory.
New terms of settlement as of 1 January 2019
New terms and conditions of credit cards as of 1 January 2019
The biggest change in the terms and conditions of the Business Client Internet Bank is that loan disbursements made on the basis of a loan disbursement application are no longer considered for Internet Bank limits.
New terms and conditions of the Business Client Internet Bank as of 1 January 2019
If you accept the changes, you do not need to do anything: in this case, the new price list and the new terms and conditions of your contract(s) will take effect on 1 January 2019. If you do not agree to the changes in the price list or the terms and conditions, you are entitled to terminate the contract(s) concluded with the bank no later than on 31 December 2018.
Currently valid | From 01.01.2019 | |
---|---|---|
Current account opening | ||
Private person | ||
resident of another country (except EEA member state) | EUR 250 | free of charge |
Legal entity | ||
resident of EEA member state | EUR 100 | free of charge |
resident of another country (except EEA member state) | EUR 400 | free of charge |
Handling fee of documents submitted for current account opening (1) | ||
Private person | ||
resident of Estonia | - | free of charge |
resident of EEA member state | - | free of charge |
resident of another country (except EEA member state) | - | EUR 250 |
Legal entity | ||
resident of Estonia, except for legal persons registered in Estonia, represented by a non-resident or whose ownership structure or ultimate beneficial owners include a non-resident | - | free of charge |
resident of EEA member state, including legal persons registered in Estonia, represented by a non-resident or whose ownership structure or ultimate beneficial owners include a non-resident | - | EUR 500 |
resident of another country (except EEA member state) | - | EUR 750 |
Current account monthly fees (2,3,4) | ||
Private person | ||
Resident of another country (except EEA member state) | EUR 0.30 | EUR 5 |
Legal entity | ||
Resident of EEA member state (except Estonia) | EUR 1, except for legal persons, registered in Cyprus and Liechtenstein | EUR 20 |
(1) The bank starts handling of documents after the handling fee of documents has been paid The fee is not returned if the bank decides not to open the account. The fee is not applied to the opening of each subsequent current account.
(2) Monthly fee is not charged for the account opening month, if the account is opened after the 15th day of the month.
(3) Monthly fee is not applied to clients of SEB Plans. Monthly fee is charged in full amount for the month, when the plan ends.
(4) Monthly fee is not applied to clients, who are younger than 19 years of age (incl.) or older than 65 years of age (incl.).
Plans name | Currently valid | From 01.01.2019 |
---|---|---|
SEB + Plan (1) | formalization and monthly fee EUR 1.60 | formalization and monthly fee EUR 1.95 |
SEB Super+ Plan (1) | formalization and monthly fee EUR 2.45 | formalization and monthly fee EUR 2.95 |
SEB Family Plan (1,2) | formalization and monthly fee EUR 2.95 | formalization and monthly fee EUR 3.50 |
(1) A client is not charged monthly fee for formalizing a plan.
(2) Client, who forms SEB Family Plan, can invite 7 members to Plan. For members monthly fee doesn't expand.
Plans name | Currently valid | From 01.01.2019 |
---|---|---|
Plan S (2) |
general monthly fee EUR 6 special monthly fee EUR 4.80 |
general monthly fee EUR 7 special monthly fee EUR 6 |
Plan M (2) |
general monthly fee EUR 12 special monthly fee EUR 9.60 |
general monthly fee EUR 14 special monthly fee EUR 12 |
Plan L (2) |
general monthly fee EUR 22 special monthly fee EUR 17.60 |
general monthly fee EUR 26 special monthly fee EUR 22 |
Plan XL (2) |
general monthly fee EUR 40 special monthly fee EUR 32 |
general monthly fee EUR 48 special monthly fee EUR 40 |
(1) Product is not offered to non-resident legal persons.
(2) A special fee applies to a business customer, who has taken out a Bank Link contract, a contract for servicing payment cards, a credit card agreement, a loan-, leasing- or a factoring agreement.
Currently valid | С 01.01.2019 | |
---|---|---|
Regular account statement, statement of payments/statement of receivables by e-mail service | free of charge | service not offered anymore |
Outgoing payment at a bank office | Currently valid | From 01.01.2019 |
---|---|---|
Cross border payment | ||
ordinary payment | ||
with shared charges (1) | EUR 10 | EUR 25 |
without charges to beneficiary (2) | EUR 30 | EUR 45 |
urgent payment | ||
with shared charges (1) | EUR 16 | EUR 35 |
without charges to beneficiary (2) | EUR 36 | EUR 55 |
express payment in euros | ||
with shared charges (1) | EUR 35 | EUR 55 |
without charges to beneficiary (2) | EUR 55 | EUR 75 |
express payment in foreign currency (3) | ||
with shared charges (1) | EUR 50 | EUR 60 |
without charges to beneficiary (2) | EUR 70 | EUR 80 |
(1) If a payment in any currency is made to an European Union Member State, Island, Norway, Liechtenstein, Switzerland, Andorra, San Marino or Monaco and the account number on the payment order is not in the IBAN format, a fee in addition to the above commission fees may be charged in amount, corresponding to 12 euros.
(2) Can be made only to a beneficiary's bank outside the EEA contracting country. If the actual costs of other payment service providers, participating in processing a cross border payment, exceed EUR 20, the bank may later debit in addition the difference of the commission fees from the client's account, however not more than within an amount, corresponding to EUR 75. The bank ensures transfer of the cross border payment in full amount from the bank's correspondent account, however shall not guarantee that the payment is received in the beneficiary's account in full amount.
(3) Upon agreement with the Markets department.
Ordinary cards | Currently valid | From 01.01.2019 |
---|---|---|
MC Business debit card, VISA Business debit card | ||
monthly fee (1) | EUR 1.50 | EUR 2 |
Pildikaart debit card for legal entity | ||
monthly fee | EUR 1.50 | EUR 2 |
ISIC ja ITIC cards | Currently valid | From 01.01.2019 |
---|---|---|
ISIC Tudeng (Student) | ||
issue, replacement, prolongation | EUR 6.33 | EUR 7.50 |
extension of the right to use the card | EUR 4 | EUR 6 |
monthly fee (1) | EUR 0.50 | EUR 1 |
ISIC Õpilane (Scholar) | ||
issue, replacement, prolongation from the age of 20 | EUR 6.33 | EUR 7.50 |
extension of the right to use the card from the age of 20 | EUR 4 | EUR 6 |
monthly fee (1) | EUR 0.50 | EUR 1 |
ITIC Õpetaja (Teacher) | ||
issue, replacement, prolongation | EUR 6.33 | EUR 7.50 |
extension of the right to use the card | EUR 4 | EUR 6 |
Other cards | Currently valid | From 01.01.2019 |
---|---|---|
Postipank-card | free of charge | service not offered anymore |
General transaction and service fees | Currently valid | From 01.01.2019 |
---|---|---|
Cash deposit limit at SEB Estonia ATMs | - | 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 |
Cash withdrawal in SEB Estonia ATMs with a Postipank-card | EUR 0.58 per transaction | service not offered anymore |
(1) Free with a Plan.
Legal entity | Currently valid | From 01.01.2019 |
---|---|---|
MC Business credit card | ||
monthly fee | EUR 2 | EUR 3 |
Pildikaart credit card | ||
monthly fee | EUR 2 | EUR 3 |
General transaction and service fees | Currently valid | From 01.01.2019 |
---|---|---|
Cash deposit limit at SEB Estonia ATMs | - | 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 |
Regular statement to a private person by e-mail | free of charge | service not offered anymore |
Currently valid | From 01.01.2019 | |
---|---|---|
SEB Internet Bank for Business | ||
monthly maintenance fee for a resident of a non-EEA member state | EUR 9.59 | EUR 10 |
Other mobile services | ||
mobile payment to private person | EUR 0.06 | commission fee of the respective payment in an electronic channel |
mobile payment to merchant | free of charge | service not offered anymore |
Express notification | ||
notification by SMS message | EUR 0.19 per message | EUR 0.20 per message |
Bank link | ||
authentication | ||
subscription | EUR 65 | EUR 65 + VAT as per Value Added Tax Act |
amendment of agreement | EUR 15 | EUR 15 + VAT as per Value Added Tax Act |
monthly maintenance fee | EUR 20 or as agreed with the client | EUR 20 or as agreed with the client + VAT as per Value Added Tax Act |
Host to host banking interface | ||
agreement conclusion | EUR 63.91 | EUR 65 |
monthly maintenance fee | min. EUR 47.93 | min. EUR 50 |
Private person | Currently valid | From 01.01.2019 |
---|---|---|
Home loan, mortgage loan | ||
agreement conclusion | 1% of the loan amount, min. EUR 250 /min. EUR 190 | 1% of the loan amount, min. EUR 250 |
agreement amendment (1) | up to 1% of the remaining loan, min. EUR 190 | up to 1% of the remaining loan, min. EUR 250 |
changing the payment date once in a year | EUR 20 | free of charge |
changing the payment date as of the second change of payment date in one year | EUR 20 | EUR 20 |
Consumer loan | ||
changing the payment date once in a year | EUR 20 | free of charge |
changing the payment date as of the second change of payment date in one year | EUR 20 | EUR 20 |
Overdraft | ||
changing the payment date once in a year | EUR 20 | free of charge |
changing the payment date as of the second change of payment date in one year | EUR 20 | EUR 20 |
Endowment loan | ||
agreement amendment (1) | up to 1% of the remaining loan, min. EUR 190 | up to 1% of the remaining loan, min. EUR 250 |
changing the payment date once in a year | EUR 20 | free of charge |
changing the payment date as of the second change of payment date in one year | EUR 20 | EUR 20 |
Limit loan | ||
changing the payment date once in a year | EUR 20 | free of charge |
changing the payment date as of the second change of payment date in one year | EUR 20 | EUR 20 |
Other loan-related services | ||
certificate on paid interests (2) | - | EUR 4 |
(1) All amendments to the loan, which have not been indicated under separate clauses in the price list (incl. amendment of collateral in a notarised or other form).
(2) Commission fee applies to certificates issued at a bank office. A certificate issued automatically in the Internet Bank is free for the client (for enclosing electronically to income tax return).
Legal entity | Currently valid | С 01.01.2019 |
---|---|---|
Start-up loan | ||
agreement conclusion | 1% of the loan amount, min. EUR 200 | 1,5% of the loan amount |
Guarantee issued by AS SEB Pank | Currently valid | From 01.01.2019 |
---|---|---|
Preparation of a draft or a guarantee or an amendment | min. EUR 65 | EUR 70 |
Cancellation of a guarantee | EUR 65 | EUR 70 |
Handling of documents or their drafts and payment fee | - | 0,15% of the amount of documents, min. EUR 95 |
Guarantee received by a client of AS SEB Pank | Currently valid | From 01.01.2019 |
---|---|---|
Advising | EUR 65 | EUR 70 |
Advising of an amendment | EUR 65 | EUR 70 |
Filing a payment claim to the bank that issued the guarantee when requested by client | EUR 65 | EUR 100 |
Preparation of the draft of a guarantee, an amendment or a claim | depending on costs, min. EUR 65 | depending on costs, min. EUR 70 |
Verification of the guarantee authenticity | EUR 65 | EUR 70 |
Advising the issuing bank of cancellation of a guarantee | EUR 65 | EUR 70 |
Handling of documents or their drafts and payment fee | - | 0,15% of the amount of documents, min. EUR 95 |
Currently valid | From 01.01.2019 | |
---|---|---|
Fee for partial payment from second payment | EUR 65 | EUR 70 |
Fee for refusal or cancellation | EUR 65 | EUR 70 |
Import letter of credit | Currently valid | From 01.01.2019 |
---|---|---|
Preparation of a draft of a documentary credit or an amendment | depending on costs, min. EUR 65 | EUR 70 |
Amendment fee | EUR 65 | EUR 70 |
Export letter of credit | Currently valid | From 01.01.2019 |
---|---|---|
Advising fee | EUR 65 | EUR 70 |
Preparation of a draft of a documentary credit or an amendment | depending on costs, min. EUR 65 | depending on costs, min. EUR 70 |
Payment fee upon payment of the amount of documents before the payment date of the documentary credit | 0.1% on the amount of payment, min. EUR 65 | 0.1% on the amount of payment, min. EUR 70 |
Deferred payment fee | EUR 65 | EUR 70 |
Assignment of proceeds | EUR 65 | EUR 150 |
Amendment advice | EUR 65 | EUR 70 |
Fee for refusal and/or cancellation | EUR 65 | EUR 70 |
Securities account | Currently valid | From 01.01.2019 |
---|---|---|
Private person | ||
Opening the Baltic securities account | EUR 1.60 |
in the Internet Bank - free of charge; over the counter - EUR 3 |
Baltic securities | Currently valid | From 01.01.2019 |
---|---|---|
Monthly securities account maintenance fee (1,2,3) | ||
Private person | ||
Estonian securities EUR 0 - 6,500 | EUR 0.64 | EUR 0.80 |
Estonian securities EUR 6500 – EUR 65,000 | EUR 2 | EUR 2.50 |
Estonian securities over EUR 65,000 | EUR 4 | EUR 5 |
Legal entity | ||
Estonian securities up to EUR 320,000 | EUR 8 |
Estonian securities up to EUR 2,000,000 - 0,004%, min. EUR 8; Estonian securities over EUR 2,000,000 - EUR 80 + 0,001% of portfolio value exceeding EUR 2,000,000 |
Estonian securities EUR 320,000 up to 3,000,000 | 0,0025% | |
Estonian securities over EUR 3,000,000 | EUR 80 + 0.001% of portfolio value exceeding EUR 3,000,000 |
(1) Maintenance fee is calculated once a month on the last banking day on the basis of the aggregated value of securities, kept on the securities accounts tied to one cash account. However a minimum maintenance fee as per price list is applied to an empty Baltic securities account. When calculating the value of securities, the bank proceeds from the net asset value (NAV) of the fund unit, for bonds - from the nominal value, for traded shares - from the market value or the most recent price, known to the bank. For the rest of the securities, the bank proceeds from the par value of the security or the accounting par value of the security. If information about the par value cannot be obtained from the financial data vendor, the par value shall be deemed to be 1. The maintenance fee of the securities account and the fee for the statement shall be debited from the client's cash account tied to the securities account once a month, the latest by the 15th day of the following calendar month.
(2) VAT shall be added to the service charge as per Value Added Tax Act. VAT is not added to monthly maintenance fee, if the securities account holds only the units or shares of a mutual fund stipulated in the Investment Funds Act or a mutual fund of a Member State of the European Economic Area.
(3) Only those accounts, which contain only the securities of Estonian companies, which are either bankrupt or under liquidation, are exempt from a monthly maintenance fee, based on the information received from the Baltic Central Securities Depository. Monthly maintenance fee is not calculated, if the only securities held in the securities account throughout the entire calendar month are those, belonging to Estonian companies, which are in bankrupt or under liquidation.
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