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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 60+ and 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.

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.

Read more about the debit card conditions

Order bankcard with Apteek1 benefits

  1. You will obtain the bankcard within five banking days in Tallinn and ten banking days outside Tallinn.
  2. When picking up your card at an SEB branch, please take along your identity document.

The card is valid for three years. Upon expiry, we shall prepare you a new card and inform you on the possibilities of obtaining it. 

Ordinary cards  
1. MC debit card, MC contactless debit card, VISA Electron debit card  
issue  

   first card to account

free of charge

   every next card to account

EUR 3 (1)
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 (1)
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 (1)
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) 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 5000 in a calendar month per client (holder of account(s)) with debit and/or credit card free of charge
if the amount exceeds EUR 5000 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, phone banking operator service 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.

S|E|B

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