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Debit card

Debit card

Using a debit card is fast, convenient and safe

  • Use contactless function with payments up to 25 euros
  • Payments in Estonia and in abroad
  • Cash deposits and withdrawals via ATM machines
  • No monthly fee with SEB Plans (except for Gold and Platinum cards)

With a debit card, you can use the funds in your current account.

If you are not yet a customer of SEB, then please fill in the registration form.

Paying with the card

  • With a debit card you can pay for goods and services in Estonia and abroad without using cash. Debit card (except Visa Electron) can be used for online purchases.
  • You can pay with the Visa, Visa Electron or Mastercard card in all institutions and companies, where you notice the corresponding logo of your card on the window, door or cash register.

Withdrawing cash

  • With a debit card, you can withdraw cash from ATMs in Estonia and abroad

When withdrawing cash abroad in a currency other than the euro, a conversion fee of 1,5% of the transaction amount shall be charged. For further information on the fees relating to cash withdrawal see the price list.

Depositing cash

  • In addition to the option to withdraw funds, many ATMs also offer the option to deposit funds – these ATMs can be recognized by the phrase “Cash deposits and withdrawals” displayed on the ATM
  • Cash is immediately deposited in your account with which the debit card is connected

Payments and account information

  • With a debit card you can make payments saved as predetermined payments
  • You can view account and transaction information in ATMs

Can be personally designed

  • You can pick a suitable photo for the card from our created designs or your own favourite pictures

To increase safety of funds in your current account, assign smaller limits and choose only essential functions for your card in Internet Bank.

Assign limits pursuant to your need
You can assign your debit card daily and monthly user limits - amounts, which prevent making larger transactions during the specified period. Smaller daily limits than the amount in the account prevent unauthorised persons to get hold of the entire funds of your account, if the card is lost or stolen.

  • Daily cash withdrawal limit is the amount, which you can withdraw from an ATM in one day. Maximum daily limit is EUR 3500
  • Daily limit for purchases and payments is the amount, within which you can execute make card payments or bank transfers in one day. Maximum daily limit for purchases and payments is EUR 6500
  • Monthly limit is the amount, within which you can use the card for payments, withdrawal of cash from ATMs and bank transfers in one month. Assigning a monthly limit is not obligatory

Choose only necessary functions
When ordering the card, you can choose the essential functions of the card

  • Cash: you can withdraw funds
  • Purchases: you can make card payments
  • Payments: you can perform transfers to recipients saved among predetermined payments
  • Account balance: you can view the account balance
  • Account statement: you can view information on your last 8 transactions
  • Payments on the Internet: Some debit cards permit payments at Internet stores
  • Use abroad: you can pay and/or withdraw cash in foreign countries

If you do not use the bankcard for making purchases on the Internet and abroad, then skip these functions. If necessary, you can change the card functions at any time in the Internet Bank. Changes will be take effect immediately.

Read more about the debit card conditions

Ordinary cards  
1. MC contactless debit card, VISA Electron debit card, MC debit card (1)  
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 1
2. MC 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 1,50
3. VISA Gold 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 1.50
4. Pildikaart debit card for private individual  
issue, replacement, prolongation EUR 3.20
monthly fee EUR 1
5. Pildikaart debit card for legal entity  
issue, replacement, prolongation EUR 5
monthly fee EUR 1.50
ISIC and ITIC cards  
1. ISIC Tudeng (Student)  
issue, replacement, prolongation EUR 6.33
extension of the right to use the card EUR 4
monthly fee EUR 0.50
2. ISIC Õpilane (Scholar)  
issue, replacement, prolongation  
-   until the age of 20 free of charge
-  from the age of 20 EUR 6.33
extension of the right to use the card from the age of 20 EUR 4
monthly fee EUR 0.50
3. ITIC Õpetaja (Teacher)  
issue, replacement, prolongation EUR 6.33
extension of the right to use the card EUR 4
monthly fee EUR 1
Other cards  
1. Virtual Card  
issue EUR 2
2. Postipank-card  
monthly fee free of charge
3. Temporary-card  
issue EUR 2,50

(1) Starting from 02.10.2018 it is not possible to order MC debit card.
(2) Ordered from electronic services – free of charge.

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 Postipank-card transaction is not allowed

with a temporary-card

transaction is not allowed
2. Cash deposit in SEB Estonia ATM’s  
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 (1)  
   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
with a Postipank-card EUR 0.58 per transaction
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 Postipank-card transaction is not allowed
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 Postipank-card transaction is not allowed
with a temporary-card transaction is not allowed
6. Fee for transaction in foreign currency (2)  
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  
over the counter EUR 1.60
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  
registered mail (Estonia and foreign countries) EUR 2.50
mail (Estonia and foreign countries) free of charge
17. Travel insurance Gold (for VISA Gold debit card holders) EUR 69

(1) The transaction is not permitted with a Post Bank or a temporary card in SEB Latvia and SEB Lithuania ATMs.
(2) 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.

Activating contactless payments

  • With a new contactless card, the first transaction shall be made at an ATM or POS terminal at the merchant as usual – the card must be entered into the terminal and transaction confirmed with a PIN. After the first chip transaction, the contactless function is activated and it is possible to make contactless payments.
  • You can activate (and deactivate) the contactless function of a debit card in Internet Bank and at a branch.
  • To use contactless payments, you need to allow card payments at a company, activate the contactless payment option and determine the suitable limit for contactless payments.

You can make contactless payments

  • if the POS-terminal has the same universal contactless symbol as your card
  • if the purchase amount is less than 25 euros
  • placing the card near the contactless symbol on the POS-terminal and keeping it until the terminal makes a click
  • also in abroad, however the contactless amount allowed may be differ by countries
  • If the amount exceeds 10 euros or the contactless payment does not work, follow the instructions of the POS-terminal and enter your PIN.

Safety of contactless payments

  • To ensure safety, sometimes a payment needs to be confirmed with a PIN.
  • When making the payment, the cardholder must ensure that the correct purchase amount is displayed on the screen of the POS-terminal
  • Do not give your card to anyone, not even to the service attendant
  • When your bankcard is lost, or stolen, it has to be blocked immediately by calling 665 5100

For the Merchant

  • Contactless payments enable fast and convenient service of customers
  • The customer only needs to wave near the contactless symbol on the terminal
  • The terminal will provide clear instructions on the screen on whether the payment was made, rejected or the PIN needs to be entered

Contact

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