Private
- Home
- Private
- Everyday banking
- Debit cards
- Gold debit card
Gold debit card
A sign of the best client relationship
- Priority service at a bank office
- Special offers from our partners
- Priority service by phone on 665 5100*
To our best clients, we offer the Visa Gold card ensuring exclusive service and various benefits in our bank as well as in other service enterprises. Upon request, you may order also a Gold credit card.
Priority service at a bank office
We provide significant economy of time and faster service to our Gold Card holders at our bank offices. Our ticket machines issue you a preferential ticket, when you enter your Gold card.
Affordable travel insurance for up to three family members
The annual insurance premium of PZU* travel insurance is only 89 euros. In addition to the Gold card owner, the insurance additionally covers up to three family members (spouse/partner and two children who travel with the card owner and live at the same address). If there are more than two children in the family, an additional Child travel insurance agreement can be concluded.
The insurance is valid all over the world (except in the Republic of Estonia). You can conclude a travel insurance agreement using the Internet Bank or at the nearest SEB bank office. Adding family members to the insurance policy requires the personal identification codes of the insurable persons.
Read more about travel insurance.
Offers from SEB partners
Gold Card holders also enjoy the offers made by SEB partners. We also send personalised offers to the Internet Bank inbox of Gold clients. You will also see partner offers when withdrawing money from an ATM.
Take a look at the Gold card partner offers here.
An insurance agent is paid an agency fee for mediating the insurance, which is included in the insurance premium. The agency fee for travel insurance payable to the insurance agent by PZU is 21% of the insurance premium.
To apply for the card, you must have a Gold Client status in SEB.
To apply for the card fill in the debit card application in Internet Bank or at your nearest SEB branch.
We shall send the answer to your application in a few days. In case of a positive answer, we shall inform you of the day, when you can come and pick up your card.
Terms and conditions of international debit card agreement
* priority service to a gold client, if you call from the number provided in your contact data.
| 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 | |
| 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 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. Pildikaart 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. Pildikaart debit card for legal entity | |
| issue, replacement, prolongation | 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.
(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 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 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. Fee for transaction in foreign currency (3) | |
| 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 | |
| at a bank office | EUR 2.50 |
| 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 | |
| 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.
