Virtual Card

Virtual card is unique in Estonia
The safest bankcard for Internet purchases. You can assign a limit, required for the specific purchase
The short, 40-day term of validity of the card helps to prevent card frauds. Even if an impostor is able to gain possession over your card data after the purchase, he has no use for them, since the card has no funds and it will expire soon.
The card is valid worldwide in all virtual stores, where you can pay with a VISA card.
The best solution for Internet purchases, if you do not have a credit card. Virtual card is exactly like a credit card, only with no physical existence.
Compared to credit cards, a virtual card is much easier to apply. You can use the card immediately after placing the order.
With Virtual Card, you can use the money in your current account pursuant to limits assigned to the Virtual Card

You can order a virtual card only in Internet Bank. No physical card is prepared
The card is valid 40 days
When ordering, you may assign the card a purchase limit in amount up to EUR 3,500.
You can use one card for purchasing from different Internet stores or order a new card for each purchase.
Likewise to a credit card, also the virtual card has a three-digit security feature CVV2, necessary for purchasing and making the use of the card safe on the Internet.
You can apply for the card if you are at least 18 years of age.

Select payment with VISA credit card as means of payment
Enter the card data: card number, validity and security feature CCV2
Card number, validity, security feature, limit and free funds can be viewed only in Internet Bank.
You can carry out transactions within the amount available in your account and the assigned limits.

Select “Virtual card application” in Internet Bank
Assign the card limit, i.e. the amount, required for the purchase, considering also the spreads and transportation costs of goods.
You can use the card immediately after placing the order.

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 (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. 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. 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
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. 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
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.

Virtual Card

Best solution for Internet purchases

More info

Contact

Virtual Card

Best solution for Internet purchases

More info

Contact

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