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Current account

Current account

  • A start for daily banking services
  • Payments, card payments, cash
  • With an SEB Plan you will take charge of your settlement costs

Most of the banking services are tied to the current account. SEB Plans which integrate all basic daily banking services, help to keep your everyday settlement costs under control. Services are more favourable as a single package and this way you may save a significant amount in a year.

With a current account, you can:

  • make payments in electronic bank channels and branches
  • receive incoming payments
  • transfer funds to your account in electronic channels or branches
  • view account information in electronic bank channels and branches
  • use bankcards and electronic bank channels
  • conclude standing order contracts based on an e-invoice and ordinary standing order contracts

Opening a current account

  • You can open a current account if you are at least 18 years old.
  • To open the first current account, visit a branch and present an identity document; the most suitable documents are
    • A passport of Estonia or a foreign country
    • An identity document of Estonia or an EEA member state
    • Residence permit card of Estonia
    • A driving license of Estonia or an EEA member state
  • To open the current account, you will have to justify your interest and connection with Estonia, being above all living, working or studying in Estonia or a family member living in Estonia.
    • We have a right to ask you details and documents that certify these circumstances. Upon need, we may ask you to certify the right to legally live or stay in the European Union.
  • We will make the decision on account opening as soon as possible, however no later than within 10 working days after you have presented all the requested documents. We shall inform you of the decision by e-mail or post, as previously agreed.
  • You can open the current account without initial deposit in currencies permitted by the bank.
  • Additional current accounts may be opened later in Internet Bank.

Before opening the account, review the general terms and conditions, the terms and conditions of current account agreement and the price list and the complaints settlement resolution.

Until the age of 7, the child’s account can be used only by their legal representative. After reaching the age of 7. transactions can be executed personally by the child (if the parent/guardian grants an independent right to use the account in writing).
After reaching the age of 7, it is possible to order a bankcard for the child and conclude Internet Bank and Mobile Bank agreements. A legal representative of a child may assign a daily and monthly user limit to the bankcard and Internet Bank.

Opening a current account for a minor

  • The account to a minor can be opened by the child’s legal representative (parent or guardian).
  • To open the account, take along:
    • the identity document (passport, ID card, driving license, birth certificate for a child below 7 years) of the child and parent/guardian
    •  a document evidencing the assignment of the person as a guardian (if the legal representative of the child is the guardian)

Information about e-residency and opening an account

Our goal is to provide our clients with solutions that meet their requirements while adhering to the demands of valid legislation.

According to the Estonian Money Laundering and Terrorist Financing Prevention Act, upon opening an account in the credit institution or upon the first use of another service, credit institutions operating in Estonia are required to identify the person participating in the transaction or using the service while being present at the same place as the person or the person’s representative. Identifying a person without being present at the same place as the person is permitted only under exceptional circumstances and only for a limited range of services.

E-residency provides access to Estonian e-state services without requiring physical presence; it also simplifies contractual relations between persons. In light of the above, e-residency and digital ID currently do not enable opening a bank account at AS SEB Pank without going to a bank office. Digital ID does, however, enable you to use the bank’s services after opening an account.

In case you have any questions please do not hesitate to contact our Customer Support at +372 665 5100, call us via Skype (username seb.eesti) or send a message via Internet Bank menu „Contact“ →“Write to customer service“.

When calculating interest, an interest calculation base of A/360 is used and the interest is paid for the actual number of days.

Valid since 01.06.2012

Currency Interest rate on the minimum monthly balance Interest rate on the average monthly balance
AUD 0.00 0.00
BGN 0.00 0.00
CAD 0.00 0.00
CHF 0.00 0.00
CZK 0.00 0.00
DKK 0.00 0.00
EUR 0.01 0.01
GBP 0.00 0.00
HKD 0.00 0.00
HRK 0.00 0.00
HUF 0.00 0.00
JPY 0.00 0.00
NOK 0.00 0.00
PLN 0.00 0.00
RON 0.00 0.00
RUB 0.00 0.00
SEK 0.00 0.00
TRY 0.00 0.00
USD 0.00 0.00


Interest is calculated on monthly minimum balance or an average balance (as per the above schedule).


Succession operations at the bank

Succession certificate

To enter into transactions with estate, the successors must present a succession certificate to the bank.

To obtain a succession certificate, the successors have to contact a notary.

Common disposition of successors or estate division contract

In general, in order to enter into succession transactions, all successors need to be present. If it is not possible for the successors to visit the bank together, please send the succession documents by e-mail at and we will try to find a suitable solution for you.

If the successors have concluded an estate division contract or any other contract at a notary, whereby the successors have divided the estate between themselves, please present this contract.

Minor successor and court’s consent
(The same principles apply to an adult successor with restricted active legal capacity)

If there are one or more minor successors among the successors, then the court’s consent is required for entering into succession transactions. To obtain the consent of the court, a representative of the minor successor shall have to contact the court.

The court will give its consent with a court ruling. Transactions with the estate can be executed after the court ruling has entered into force. For that purpose, we ask the representative of a minor successor to present the court ruling, to which the court has enclosed its note on entry into force.

If the minor is the only successor, then the court’s consent is required only if the representative wishes to sell the pension fund units or other securities inherited by the minor. In other cases, the court’s consent is not necessary.

Please send the succession documents first by e-mail at . Then, we will contact the successors within 3 working days at the latest and agree on a time for concluding the succession transactions. Please notify us of the branch where you would like to conclude the succession transactions or receive consultation.



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