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Internet Bank for private individuals

Internet Bank for private individuals

Simple and clear banking services via the Internet

  • Best overview of your financial matters
  • Usable on any computer with an Internet connection
  • Unique services Financial Planner and Virtual Card
  • Convenient to use

Using Estonia’s most state-of-the-art Internet Bank, you can effect all banking transactions conveniently, easily and securely round-the-clock.

To use the Internet Bank, conclude a contract at your nearest SEB branch.

The Internet Bank allows you to:

  • make domestic European payments;
  • make international and European payments;
  • have a good overview of your money: information on your account balance, transactions, loans, leasings, pension accumulation, deposits and securities accounts;
  • Using the Financial Planner, prepare your personal and family budgets;
  • design a Picture Card using your favourite photograph or set up a Virtual Card for secure online purchases;
  • conclude a contract for the Digital Coin Jar and start saving;
  • trade securities;
  • conclude contracts for a current account, deposits, standing orders, e-invoice automated standing payment orders, debit, credit and Virtual Cards, notification services and the like;
  • specify bank card limits and permitted transactions;
  • view, pay and archive e-bills;
  • apply for a loan and leasing;
  • request insurance quotations and conclude contracts for home, comprehensive and travel insurance;
  • log in to use e-services of the public sector and companies.

Using your Smart-ID, ID card, mobile ID or PIN calculator you can make payments up to the limit set by you.

We have very good data security specialists working for us and we protect our servers and systems using state-of-the-art solutions; however, this alone is not enough. A lot, however, depends on you yourself.

Keep your Internet Bank codes secret.

  • An employee at the bank does not need your Internet Bank password for assisting your or making a transaction. We also never ask you to change your Internet Bank password in an e-mail.
  • Do not pass on your password even to your family or friends.
  • Use the Internet Bank password only with the Internet Bank and do not enter it elsewhere.

Use secure means of identification.

  • Keys pressed on a computer keyboard may be monitored using a special program without the user knowing it.
  • We recommend that you use state-of-the-art secure means of identification: the Smart-ID, ID card, mobile ID or PIN calculator.

Protect your computer and software against viruses and spyware.
We recommend the use of anti-virus programs by F-Secure, McAfee, Symantec, Kaspersky and TrendMicro. Use legal software with all the security updates created for it.

sertifikaatCheck the certificate of the Internet Bank server.

Make sure you have reached the right page. For that, click on the padlock in the top of the page and check the information presented.

The window opened should display the

  • website address and Internet Bank website address is or;
  • public homepage with VeriSign and Internet Bank with GlobalSign designated as the issuer of the certificate.

The date of the use of the Internet Bank must range between the start and end dates of the validity of the certificate.

Terminate your session after using the Internet Bank by clicking on the prompt Exit.

How to use the Smart-ID
Smart-ID is the easiest, fastest and safest way to authenticate yourself online.
Read how to use the Smart-ID

How to use the ID card
Using your ID card, you can enter the Internet Bank and provide your digital signature.
See how to
Support materials for using the ID card

How to set your computer to work with the ID card
You can read about the installation of the programs needed for the use of your ID card on the ID card website at

How to use the mobile ID
The mobile ID is the ID card on the SIM card of your phone.
Read how to use the mobile ID

How to use a PIN calculator
If you are unable to use your ID card or mobile ID, we offer you a PIN calculator that generates one-off codes.
Instruction manual for using the PIN calculator Instruction manual for using the PIN calculator issued from the beginning of 2018

Other means of personal identification
In addition to the abovementioned, SEB uses several other means of client authentication, to ensure that the bank accounts are accessed only by persons, authorised for that purpose. One of such means is a clientcontrolled cookie of the web browser (e.g. Internet Explorer, Mozilla Firefox, Safari, etc). Using this method provides assurance that the Internet Bank session is continued from the same computer it was initiated. Despite the fact that Internet Bank can be used also when cookies are blocked, we strongly recommend allowing cookies when using the Internet Bank. Settings of cookies can be changed in your web browser settings.

If you do not want to use Internet on daily basis with a browser where cookies are allowed, we recommend using a different web browser for your Internet Bank.

Software and browser requirements

For the full functionality and security we recommend using the newest version of your preferred software.
Minimum requirements for using our web page, internet bank and mobile application:

  • Windows 7, macOS Sierra 10.12
  • Google Chrome 55, Mozilla Firefox 45, Internet Explorer 11, Safari 9
  • Android 5.0 with Google Chrome mobile browser, iOS 9.0 with Google Chrome or Safari mobile browser

Terms and conditions of the Internet Bank for private individuals

Terms and conditions of Financial Planner

1. SEB Internet Bank  
sign-up free of charge
2. SEB Internet Bank for Business  
sign-up free of charge
monthly fee free of charge
automatic inquiry from commercial register EUR 2.24
monthly fee for non-resident legal entities registered outside European Economic Area EUR 10
3. SEB mobile app  
   sign-up free of charge
   payment commission fee of the respective payment in an electronic channel
4. Other mobile services  
mobile payment  
   mobile payment to private individual commission fee of the respective payment in an electronic channel
   advance payments to service provider (Telia, Tele2, Elisa) EUR 0.19
information inquiries (as per operator’s price list)  
   Telia EUR 0.38
   Elisa EUR 0.26
   TELE2 EUR 0.26
5. Express notification  
agreement conclusion, amendment, termination free of charge
notification by SMS message EUR 0.20 per message
notification by e-mail free of charge
6. Standing payment order  
agreement conclusion, amendment free of charge
agreement cancellation free of charge
payment commission fee of the respective payment in an electronic channel
7. Adding predefined payments free of charge
8. E-invoice with automated standing order  
agreement conclusion, amendment, termination free of charge
internal payment EUR 0.08
European ordinary payment (1) EUR 0.19
9. Forwarding of e-invoices (2)  
agreement conclusion EUR 60
agreement amendment EUR 20
agreement monthly maintenance fee EUR 7
monthly fee of the agreement, incl. the use of e-invoice forwarding programme EUR 12
fee for forwarding e-invoices (per every e-invoice sent) EUR 0.15
template designed at company's request –  implementation/ amendment EUR 200
10. Digital coin jar  
agreement conclusion free of charge
monthly maintenance fee free of charge
payment to savings deposit free of charge
11. Bank link   
subscription min EUR 65
transaction fee 1% of transaction value, min EUR 0.13 per transaction
   for Financial intermediation companies EUR 1.28
amendment of agreement EUR 15
authentication (2)  
   subscription EUR 65
   amendment of agreement EUR 15
   monthly maintenance fee EUR 20 or as agreed with the client
12. Payment card servicing in a company  
subscription free of charge
transaction processing fee as per contract
preparation and installation of POS Terminal as agreed with the client free of charge
preparation and installation of the POS Terminal the latest by the next banking day EUR 75
monthly fee of Terminal as agreed with the bank
13. Host to host banking interface  

direct connection

   agreement conclusion EUR 65
  monthly fee min. EUR 50
14. Trading Station  
subscription free of charge
15. Additional services  
Issue of a security device  
   - PIN calculator EUR 15
   - ID card reader with keyboard EUR 17
Replacement of PIN calculator EUR 4

16. Management of foreign accounts via SEB Estonia’s Internet Bank for Business


Baltic Online (foreign accounts in SEB Baltic banks)


subscription to the service (3)

EUR 15

- only the SEB Latvia or SEB Lithuania account(s) have been included in the client´s Internet Bank

EUR 10 per month
     - both, the SEB Latvia and SEB Lithuania accounts have been included in the client´s Internet Bank EUR 15 per month

contract amendments

EUR 10
17. Baltic Gateway  
Direct channel  

- sign-up fee

EUR 50

- monthly fees for services


- account statements (except current day)

EUR 10

- current day statements (real-time account information)

EUR 25

- payments and/or e-invoices

EUR 25

Operator channel


Package 1 – account statements (except current day) and payments


- sign-up fee

free of charge

- monthly fee (4)


Package 2 – account statements, payments and e-invoices


- sign-up fee

EUR 25

- monthly fee

EUR 25

Fees for operator


- sign-up fee

EUR 50

- monthly fee

as agreed with the bank

(1) E-invoices with automated standing order are effected only in euros.
(2) VAT as per Value Added Tax Act will be added to the price.
(3) Cost per one company and one state to be joined.
(4) Monthly fee is not applied to clients with SEB Plans.

Smart-ID – a smart way to identify yourself!

Smart-ID is the easiest, fastest and safest way to authenticate yourself online! Forget complicated user names and passwords – this is a safer and easier way to check your online bank account and access e-services.
Read more



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