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- Pharmacy bankcard
Pharmacy bankcard
A debit card, functioning also as a BENU and Apteek1 pharmacy loyalty card
- Discounts at almost 170 pharmacies
- Issued free of charge to Senior Plan clients
With the Pharmacy bankcard, you can pay at stores and withdraw cash from ATMs, and deposit funds into your account using deposit ATMs, just like an ordinary debit card. As a bonus, you can make favourable purchases at almost 170 BENU and Apteek1 pharmacies throughout Estonia.
Starting from 1 January 2019, Pharmacy bankcards will no longer be issued. The discounts from existing cards apply when the card is shown at BENU and Apteek1 pharmacies until the expiry date marked on the card. The Pharmacy bankcard can be replaced with a special design picture card.
The Pharmacy bankcard is like an ordinary debit card, enabling you to use the funds in your account.
Paying with the card
- With a debit card you can pay for goods and services in Estonia and abroad without using cash
- You can pay with the card in all enterprises and institutions, where you see the logo of Visa, MasterCard, Maestro or Visa Electron displayed on the window, door or cashier’s desk.
Withdrawing cash
- With the card, you can withdraw cash from ATMs in Estonia and abroad
- With an SEB debit card, you may withdraw cash free of charge from SEB ATMs in Estonia, Latvia and Lithuania
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 text “Cash deposits and withdrawals” displayed on the ATM
- Cash is immediately deposited in your account with which the debit card is connected
Benefits
- The Pharmacy bankcard also functions as a loyalty card in BENU and Apteek1 pharmacies.
- Previously released Apteek1 and SEB bankcards are valid, similarly to the Pharmacy bankcard, both in BENU and Apteek1 pharmacies. The Apteek1 and SEB bankcard is valid until the end of the term of validity marked on the card and will then be replaced with a Pharmacy card.
BENU pharmacies
Apteek1 pharmacies
BENU and Apteek1 pharmacy discounts
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.
| Ordinary cards | |
|---|---|
| 1. MC 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. 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 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.
