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SEB mobile contactless payment – bankcard in your phone

With mobile contactless payment function:

  • You make purchases instantly by waving the smartphone over the card terminal.
  • You can make payments up to 150 euros in Estonia and in abroad
  • The function can be used also to replace business or private customers' Mastercard cards.

A mobile bankcard is compatible only with devices using the Android operating system


How to start?

  • Mobile contactless payment function can be used by every client of SEB Pank, who holds an Internet Bank agreement and at least one Mastercard debit or credit card. The card does not need a contactless payment function.
  • To use the new payment method, you need to digitize the bankcard in SEB app.
  • For that, click the bank card icon in the app and follow the instructions on the screen.

How to pay?

  • The transaction is performed likewise to the contactless card payment.
  • To make a payment, place the phone near the POS terminal and follow the instructions on the screen.
  • Mobile contactless payment can be made at all stores with terminals that accept contactless payments.

Mobile contactless payment function cannot be used at ATMs (e.g. for cash withdrawal)


  • For payments up to 50 euros you do not need to confirm the transaction with a PIN. However, from time to time, the mobile application will ask for verification of the user's identity with the mobile application's PIN after a certain number of transactions to ensure maximum security.
  • If the transaction amount is 50-150 euros, you will always have to confirm the transaction with mobile application’s PIN or another security feature.
  • Mobile contactless payments cannot be used for amounts exceeding 150 euros. For such transactions you need to use an ordinary payment card.


SEB mobile contactless payments are secure and correspond to the required standard. Further security is ensured by the contactual purchase limits and various restrictions, which you can apply depending on your consumption habits.

The options are:

  • Automatic mode enabling payments without opening the SEB app. The precondition to making the payment is open screen lock.
  • Manual mode, where you must open the SEB app to make the payment.




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