Price list

Accounts

Private person
1. Current account opening (1)	free of charge
2. Handling fee of documents submitted for current account opening (2)
- resident of Estonia	free of charge
- resident of EEA member state	free of charge
- resident of another country (except EEA member state)	EUR 250
3. Current account monthly fee (3,4,5)
- resident of Estonia	EUR 0,30
- resident of EEA member state	EUR 0,30
- resident of another country (except EEA member state)	EUR 5
4. Investment account opening	free of charge
Legal entity
1. Current account opening (1)	free of charge
2. Handling fee of documents submitted for current account opening (2)
- resident of Estonia, except for legal persons registered in Estonia, represented by a non-resident or whose ownership structure or ultimate beneficial owners include a non-resident	free of charge
- resident of EEA member state, including legal persons registered in Estonia, represented by a non-resident or whose ownership structure or ultimate beneficial owners include a non-resident	EUR 500
- resident of another country (except EEA member state)	EUR 750
3. Current account monthly fee (3,4,6)
- resident of Estonia	EUR 1
- resident of EEA member state	EUR 20
- resident of another country (except EEA member state)	EUR 60
4. Monthly account management fee for payment and e-money institutions (7)	EUR 500
5. Start-up account opening (1)	free of charge
6. Opening current account outside SEB Estonia
- in other SEB Group banks	EUR 150 + mail fees
- in ING Group banks	EUR 500 + mail fees
7. Account balance fee (8)
- EUR, starting from balance of EUR 1,000,000	ECB deposit facility rate
- SEK, starting from balance of SEK 9,500,000	Sveriges Riksbank repo rate
- DKK, starting from balance of DKK 7,500,000	Danmarks Nationalbank Certificates of deposit rate
- CHF, starting from balance of CHF 1,000,000	Swiss National Bank negative interest rate

(1) Upon opening the account is given a account card (for legal entity - with account card is cash deposit in marked account - 0,4% of the amount, min. EUR 5.
- Account card upon opening the account – free of charge
- Issuing extra account card - EUR 0.64 per card.
(2) The bank starts handling of documents after the handling fee of documents has been paid The fee is not returned if the bank decides not to open the account. The fee is not applied to the opening of each subsequent current account.
(3) Monthly fee is not charged for the account opening month, if the account is opened after the 15th day of the month.
(4) Monthly fee is not applied to clients of SEB Plans. Monthly fee is charged in full amount for the month, when the plan ends.
(5) Monthly fee is not applied to clients, who are younger than 19 years of age (incl.) or older than 65 years of age (incl.).
(6) Current account monthly fee for legal entities does not apply to the payment and e-money institutions.
(7) Monthly account management fee is applied on client basis (does not depend on the number of accounts).
(8) When calculating the fee, the total balance of all current accounts of the client in the given currency will be taken into account.
The fee will be calculated at the end of each calendar day on the positive end-of-day balance, exceeding the limit, specified for the respective currency. The fee is calculated based on the actual number of calendar days in a month and a year of 360 days.
The fee is debited from the current account in the first decade of a calendar month for the previous month.
The client is notified of the application of a fee with a personal notification at least 10 working days in advance.

Deposits


1. Term deposit
opening	free of charge
internal transfer from current account to deposit	free of charge
cash deposit in the holder’s deposit	free of charge
2. Savings deposit	free of charge
opening	free of charge
first contribution upon opening the deposit	free of charge
automated balancing	free of charge
internal transfer from savings deposit to current account on the same day	0,5% of the amount, min. EUR 1.60
internal transfer from savings deposit to current account after three calendar days or later	free of charge

Cash pool account


1. Opening of cash pool account	EUR 200
2. Sub-account maintenance fee	EUR 15
3. Annual maintenance fee of the group	EUR 320
4. Amendment of cash pool account contract	EUR 20
5. Internal interest transfers, monthly fee	EUR 6
6. Administration of cash pool account via internet bank, monthly fee	EUR 16
7. Cross-usage of currencies in the group, monthly fee	EUR 65 + interest
8. Intra-day cross-usage of currencies, monthly fee	EUR 20
9. Cash Concentration
account registration	EUR 70
monthly fees for services
- frequency of payment: daily	EUR 70
- frequency of payment: weekly	EUR 40
- frequency of payment: monthly	EUR 20
fee for one payment	according to the price list of payments
contract amendment fee	EUR 70

Account statements


1. From Internet Bank	free of charge
2. At a bank office on paper
- transactions from year 2000	EUR 0.6 per page, min. EUR 6
- for private persons annual statement once in year	free of charge
3. By e-mail	EUR 6
3. By mail
- by mail monthly statement in Estonia	EUR 0.4 per page, min. EUR 4
- by mail monthly statement outside Estonia	EUR 0.4 per page, min. EUR 10

As a rule, correct payments forwarded to the bank before 10 p.m. shall be debited from the remitter's account on the same day, payments forwarded after 10 p.m. on the following day.
Due to expiry of the retention period, the bank is not able to present the supporting documents of transactions carried out at a bank office more than 10 years ago.

Cash transactions

In EUR
1. Cash deposit (except coins)
in the holder's account
private person	0,4% of the amount, min. EUR 5
legal entity	0,4% of the amount, min. EUR 5
to a minor's account	up to 100 euros per month free of charge (incl. coins); 0,4%, if the amount exceeds EUR 100
in other account in SEB Pank	0,5% of the amount, min. EUR 5
2. Cash deposit in coins
in the holder's account
private person	5% of the amount, min. EUR 5
legal entity (1)	5% of the amount, min. EUR 5
to a minor's account	up to 100 euros per month free of charge (incl. banknotes); 3%, if the amount exceeds EUR 100
in other account in SEB Pank	5% of the amount, min. EUR 5
3. Cash deposit by cash transport company	as agreed with the bank
4. Cash withdrawal (except coins) (2)	0.5% of the amount, min. EUR 10
5. Cash withdrawal in coins (2)	5% of the amount, min EUR 5
6. Cash withdrawal by cash transport company	0.4% of the amount
7. Exchange of coins	5% of the amount, min EUR 5
8. Exchange of banknotes for banknotes	0,5% of the amount, min EUR 5
9. Verification of banknotes	EUR 0.2 per unit
10. Fee for canceling cash reservation	EUR 50
11. Additional fee for paying unreserved cash amounts on the same day (2)	EUR 50

(1) Upon the decision of the branch office , the cash deposit may be transferred to an account with collection at the term-s of executing cash transactions
(2) Cash amounts exceeding EUR 6 400 or in coins EUR 500 are subject to advance reservation. Advance reservation application of cash must be submitted the latest by 3:30 p.m. on the banking day before fulfilling the order.

In foreign currency (3)
1. Cash deposit (incl. for transfer; without with conversion) (1)
RUB	2% of the amount, min EUR 3
other currencies	1.5% of the amount, min EUR 3
in the holder's deposit (for over one month)	free of charge
2. Cash deposit in other account with conversion	EUR 5
3. Cash deposit by cash transport company	as agreed with the bank
4. Cash withdrawal (without conversion) (1)
RUB	3% of the amount, min EUR 3
other currencies	1,5% of the amount, min EUR 3
5. Cash withdrawal by cash transport company
RUB	1.5% of the amount
other currencies	0.5% of the amount
6. Purchase and sale of foreign currency (foreign currency exchange) (1)	EUR 5
7. Advance reservation of foreign currency (2)	collateral 1% of the booked amount
8. Fee for canceling cash reservation	EUR 50
9. Additional fee for paying unreserved cash amounts on the same day	EUR 50
10. Exchange of banknotes in the same currency	0,5% of the amount, min EUR 5
11. Verification of banknotes	EUR 0.20 per unit

(1) The bank does not settle, buy or sell foreign coins
(2) Cash amounts exceeding EUR 6400 equivalent are subject to advance reservation. Advance reservation application of cash must be submitted the latest by 3:30 p.m. on the banking day before fulfilling the order.
(3) Foreign currency, which is damaged or invalid, bank does not accept.

Terms of executing cash transactions


1. Cash deposit	transferred to account immediately
2. Cash received through collection	transferred to account on the next banking day
3. Cash withdrawal up to EUR 6 400	on demand
4. Cash withdrawal in coins up to EUR 500	on demand
5. Cash withdrawal of reserved amounts (starting from 6 400 euros or in coins from 500 euros)	upon agreement with the client

Payments

Outgoing payments	At a bank office	Electronic services (incl. standing payment order, banklink payment)
1. Internal payment (1)
in euros	EUR 2.30	EUR 0.16
in foreign currency	EUR 3	EUR 2
intra-account conversion	free of charge	free of charge
2. European payment (1,2)
ordinary payment (incl. instant payment (3))	EUR 3.50	EUR 0.38
express payment (4)	EUR 35	EUR 30
3. Cross border payment
ordinary payment
with shared charges (5)	EUR 25	EUR 6
without charges to beneficiary (6)	EUR 45	EUR 26
urgent payment
with shared charges (5)	EUR 35	EUR 14
without charges to beneficiary (6)	EUR 55	EUR 34
express payment in euros
with shared charges (5)	EUR 35	EUR 30
without charges to beneficiary (6)	EUR 55	EUR 50
express payment in foreign currency (7)
with shared charges (5)	EUR 60	EUR 39
without charges to beneficiary (6)	EUR 80	EUR 59
4. Transfer order for debiting in consolidated amount (8)	-	EUR 0.16
the internal payment on the transfer order	-	free of charge
the ordinary European payment on the transfer order	-	EUR 0.38
5. Exchange rates used for executing a payment transaction
an amount corresponding to 10 000 euros or equivalent in other currency	transfer purchase or sale rate of the respective currency valid at the bank at the moment of debiting	transfer purchase or sale rate of the respective currency valid at the bank at the moment of debiting
an amount starting from 10 000 euros or equivalent in other currency	Market rate determined by the bank, if the payment is made on a settlement day from 9.00 to 17.00. For payments made outside the specified time limit, the transfer purchase or sale rate of the respective currency valid at the bank at the moment of debiting shall be used.	Market rate determined by the bank, if the payment is made on a settlement day from 9.00 to 17.00. For payments made outside the specified time limit, the transfer purchase or sale rate of the respective currency valid at the bank at the moment of debiting shall be used.
(1) Upon compulsory collection (attachment order of a bailiff, tax administrator, other entitled persons) the fee for a payment made at a branch office shall apply. (2) Payments in euros, shared charges, beneficiary's account number must be indicated with IBAN. If the beneficiary's bank is outside Estonia, the beneficiary's bank must have a correct BIC. The beneficiary's bank is in a member state of the European Union, Island, Liechtenstein, Norway, Switzerland, Andorra, San Marino or Monaco. (3) Instant payments can be made only in electronic channels – in Internet Bank (including import of payments) and SEB mobile app. (4) Payment originated in euros only to a member state of the Eurozone (Austria, Belgium, Estonia, Spain, Netherlands, Ireland, Italy, Greece, Cyprus, Lithuania, Luxembourg, Latvia, Malta, Portugal, France, Germany, Slovak Republic, Slovenia, Finland), if the bank has accepted the payment before 17.45. The beneficiary's bank must have a correct BIC and account number must be indicated with IBAN. (5) If a payment in any currency is made to an European Union Member State, Island, Norway, Liechtenstein, Switzerland, Andorra, San Marino or Monaco and the account number on the payment order is not in the IBAN format, a fee in addition to the above commission fees may be charged in amount, corresponding to 12 euros. (6) Can be made only to a beneficiary’s bank outside the EEA contracting country. If the actual costs of other payment service providers, participating in processing a cross border payment, exceed EUR 20, the bank may later debit in addition the difference of the commission fees from the client’s account, however not more than within an amount, corresponding to EUR 75. The bank ensures transfer of the cross border payment in full amount from the bank’s correspondent account, however shall not guarantee that the payment is received in the beneficiary’s account in full amount. (7) Upon agreement with the Markets department. (8) A transfer order for debiting a consolidated amount can be forwarded from electronic channels via Host to host banking interface and SEB Internet Bank for Business. The service fee for a cross-border payment has up to three different components depending on the type of payment: 1. the SEB Estonia services fee 2. the services fees of foreign banks 3. the services fees for handling a payment order as an urgent payment

Receivables
1. Internal	free of charge
2. European payment (1)	free of charge
3. Cross border payment International (2)	EUR 5.75
from the Baltic banks of the SEB Group	free of charge
(1) Cross-border receivable in euros with shared charges. Beneficiary's account number must be indicated with a proper IBAN and remitter's bank has to be an European bank. (2) An incoming payment is free of charge if the transfer order has been marked by remitter's bank as "without charges to beneficiary". An exception is a transfer order received from an European bank marked as "without charges to beneficiary", where the remitting bank has not indicated currency conversion.

Additional settlement services

Additional settlement services
1. Revoking a transfer order (1)
European payment	EUR 10
cross border payment	EUR 30
2. Amendment of transfer order (1)
European payment	EUR 10
cross border payment	EUR 30
3. Certificate on forwarding a payment (regular, by e-mail)	EUR 0,5
4. Certificate on forwarding a payment (on demand) (3)	EUR 6
5. Cross-border payment SWIFT copy (on demand)	EUR 10
6. Inquiries (1)
for up to 3 months old payment	EUR 25
for more than 3 months old payment	EUR 50
Use of account in SEB Estonia via another bank
1. Agreement conclusion (2)	EUR 25
2. The annual fee for use of the account on the basis of MT101	EUR 300
3. Execution of transfer order (MT101) forwarded via foreign bank	free of charge (4)
4. Forwarding account statement (MT940)	monthly fee EUR 35
5. Intra-day balance (MT941) up to 3 times a day	once a day, monthly fee EUR 30; twice a day, monthly fee EUR 60; up to 3 times a day, monthly fee EUR 90
6. intra-day account statement (MT942) up to 3 times a day	EUR 2 / per message
Use of an account in another bank via SEB Eesti
1. Agreement conclusion, subscription to the service (5)	EUR 25
2. Account monthly fee – receiving and displaying statements per account and currency	EUR 20 per month
3. Forwarding of a SWIFT MT101 transfer order in Internet Bank	EUR 1 per order

(1) Charges of foreign banks and the cost of conversion will be added.
(2) Contract fee is charged upon conclusion of a MT 101 or MT940/941/942 agreement. If the client has concluded any of the above agreements, no contract fee shall be charged from the client for the conclusion of an additional agreement. If the client wishes to conclude several of the above agreements, the client shall pay the contract fee to the bank for one agreement only.
(3) A forwarding fee shall be added to the price:
by mail in Estonia – EUR 2;
by mail outside Estonia – EUR 5.
(4) The payment fees will be added according to the price list applied to the electronic channel.
(5) Cost per one company and one state to be joined.

Debit cards

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.

Credit Cards

Private individual
1. Mastercard credit card, Visa Classic credit card, Mastercard Standard credit card (1)
issue (with the cover of Emergency service; incl. prolongation)	free of charge
monthly fee	EUR 1.60
replacement card, additional card	EUR 5
2. MC Gold credit card
issue (with the cover of Emergency service; incl. prolongation)	free of charge
monthly fee	EUR 3.50
replacement card, additional card	EUR 5
3. Mastercard Platinum credit card (with Priority Pass service and travel insurance Platinum)
issue (with the cover of Emergency service, incl. prolongation)	EUR 20
monthly fee	EUR 10
replacement card	EUR 10
additional card	EUR 20
4. Credit card with fixed payment
issue (incl. prolongation)	free of charge
monthly fee	free of charge
replacement card, additional card	free of charge
5. Mastercard World Elite credit card (with Priority Pass service and travel insurance World Elite)
issue (with the cover of Emergency service, incl. prolongation)	EUR 35
monthly fee	EUR 35
replacement card	EUR 15
additional card	EUR 35
6. Pildikaart credit card
issue (with the cover of Emergency service; incl. prolongation)	EUR 5
monthly fee	EUR 1.60
replacement card, additional card (issue)	EUR 5
7. Pildikaart with fixed payment
issue (with the cover of Emergency service; incl. prolongation)	EUR 3.20
monthly fee	free of charge
replacement card, additional card (issue)	EUR 3.20
8. 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
Legal entity
1. Mastercard Business credit card
issue (with the cover of Emergency service; incl. prolongation)	EUR 2
monthly fee	EUR 3
additional card	EUR 2
replacement card	EUR 5
2. Mastercard credit card Pildikaart
issue (with the cover of Emergency service; incl. prolongation)	EUR 5
monthly fee	EUR 3
replacement card, additional card	EUR 5
3. Mastercard Gold credit card
issue (with the cover of Emergency service; incl. prolongation)	EUR 5
monthly fee	EUR 7
replacement card, additional card (issue)	EUR 5
4. Mastercard Platinum credit card (with Priority Pass service and travel insurance Platinum)
issue (with the cover of Emergency service, incl. prolongation)	EUR 20
monthly fee	EUR 12
replacement card	EUR 10
additional card	EUR 20

(1) Starting from 02.10.2018 it is not possible to order Mastercard Standard credit card.

General transaction and service fees
1. Approval of loan limit	free of charge
2. Annual interest of used loan	18%
3. Credit card with fixed payment (MC Standard, Pildikaart)
interest on used credit	18% per year
4. Approval/extension of credit limit	free of charge
5. Security deposit interest rate	one-month term deposit
6. Agreement amendment
loan limit change	free of charge
credit limit change	EUR 10
permanent change of monthly limit
at a bank office	EUR 3.20
internet-bank	free of charge
7. Temporary card´s limit increase	1,5% of additional limit, min. EUR 8
8. Regular statement
by e-mail to a legal entity(1)	free of charge
by post in Estonia	EUR 0.4 per page, min EUR 4
by post outside Estonia	EUR 0.4 per page, min EUR 10
9. Single statement at a bank office
for up to last 10 years	EUR 4
10. Balance inquiry (balance; last transactions)
from SEB Estonia ATM's	free of charge
from other bank's ATM	EUR 0.40 / per inquiry
11. Payment at a service enterprise (fee for transaction in foreign currency will be added)	free of charge
12. Cash deposit in SEB Estonia ATM’s (2)
up to EUR 4000 in a calendar month per client (holder of account(s)) with credit and/or debit card	free of charge
if the amount exceeds EUR 4000 in a calendar month per client (holder of account(s)) with credit and/or debit card	0.3% of the deposited amount
13. Cash withdrawal from cash machine or bank office (incl. abroad) Fee for transaction in foreign currency will be added	EUR 2 + 2.5% of the withdrawn amount
14. Transfer of credit limit to current account	EUR 2 + 2% of the transaction amount
15. Fee for transaction in foreign currency (3)
transaction original currency is other (excl. EUR)	1,5% of the transaction amount
16. Blocking of card by bank	free of charge
17. Debt claim letter	EUR 5
18. Contractual penalty for use of blocked card, breach of limit or amounts not paid in time	EUR 65
19. Duplicate of POS receipt
domestic transaction	EUR 4
cross-border transaction	EUR 8
20. Unjustified demand for refund
domestic transaction	EUR 12
cross-border transaction	EUR 16
21. Preparation of express bank cards	EUR 40
22. Sending a card by
mail in Estonia	free of charge
registered mail in Estonia	EUR 2.50
mail outside Estonia	EUR 6
23. Using Priority Pass service	EUR 27 per using
24. Taking a bank card from an ATM and returning it (4)	EUR 30

(1) Starting from 11.10.2018, it is not possible to order regular account statements by e-mail.
(2) 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.
(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.

Electronic products and services


1. SEB Internet Bank for Private Individuals
sign-up	free of charge
2. SEB Internet Bank for Business
sign-up	free of charge
agreement amendment
- at a bank Office (1)	EUR 10
- in Internet Bank	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
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 (2)	EUR 0.19
9. Forwarding of e-invoices (3)
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, max EUR 3.20 per transaction
for Financial intermediation companies	EUR 1.28
amendment of agreement	EUR 15
authentication (3)
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 8
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 (4)	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 (5)	EUR 5
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
18. E-invoice portal
Package Basic
- sign-up fee	free of charge
- monthly fee	free of charge
- sending an e-invoice to e- invoice portal* users and public bodies	free of charge
- sending an e-invoice to SEB Internet Bank** (3)	EUR 0.24
Package Premium
- sign-up fee	free of charge
- monthly fee (3)	EUR 7
- sending an e-invoice to e- invoice portal* users and public bodies	free of charge
- sending an e-invoice to the internet application of any credit institution within the possibilities of the e-invoice portal (3)	EUR 0.24

(1) The commission fee is not applied to changes concerning the Internet Bank administrators, company’s daily limit, commission fee account and final term of the agreement.
(2) E-invoices with automated standing order are effected only in euros.
(3) VAT as per Value Added Tax Act will be added to the price.
(4) Cost per one company and one state to be joined.
(5) Monthly fee is not applied to clients with SEB Plans.

* E-invoice portal means the software offered by AS SEB Pank within the meaning of the e-invoice portal agreement and the environment arved.ee provided by Fitek AS.
** Under the Basic package, e-invoices can be forwarded to SEB Internet Bank for Private Individuals and SEB Internet Bank for Business.

II pillar pension fund


1. Choice application for the II pillar pension fund
over the counter or in the SEB Internet Bank	free of charge
under power-of-attorney	EUR 4.79
2. Application for exchanging the II pillar pension fund units
over the counter or in the SEB Internet Bank	free of charge
under power-of-attorney	EUR 6.39
3. Securities account statement (1)
over the counter	EUR 1.28
SEB Internet Bank	free of charge
annual securities account statement of Baltic Central Securities Depository by regular mail	free of charge
4. Summary statement of pension account (1)
over the counter	EUR 1.28
5. Certificate of Income Tax
over the counter	EUR 1.28
6. Succession application
resale of inherited fund units	EUR 22.37
transfer of inherited fund units to the successor's pension account	EUR 6.39
resale of inherited fund units and transfer to the successor's pension account	EUR 22.37

7. Payout applications	Bank office	SEB Internet Bank
application for single payout	EUR 4.79	EUR 3.52
Funded pension application	EUR 6.39	EUR 5.11

(1) According to Value Added Tax Act VAT 20 % will be added to the service fee

Voluntary (3rd pillar) pension funds

	Private person
1. Selection application
- submitting an application at a bank office or SEB Internet Bank	EUR 1.60
2. Application for switching fund units
- submitting an application for switching fund units at a bank office or SEB Internet Bank	EUR 3.20
3. Disbursement application
- submitting an application at a bank office or SEB Internet Bank	EUR 3.20
4. Succession application
- resale of inherited fund units	EUR 6.40
- transfer of inherited units to inheritor’s security account	EUR 6.40
- resale of inherited units with insurance agreement	EUR 6.40

Loans

Private person
1. Home loan, mortgage loan
- agreement conclusion	1% of the loan amount, min. EUR 250
- agreement amendment (1)	up to 1% of the remaining loan, min. EUR 250
- changing the payment date once in a year	free of charge
- changing the payment date as of the second change of payment date in one year	EUR 20
- change of the current account(s) related to the loan	EUR 20
- extending the loan disbursement period	EUR 50
- grace period for the principle amount of the loan	EUR 50
2. Consumer loan
- agreement conclusion	1,5% of the loan, min. EUR 35
- agreement amendment (1)	EUR 35
- changing the payment date once in a year	free of charge
- changing the payment date as of the second change of payment date in one year	EUR 20
- change of the current account(s) related to the loan	EUR 20
- grace period for the principle amount of the loan	EUR 20
3. Overdraft
- agreement amendment (1)	EUR 15
- changing the payment date once in a year	free of charge
- changing the payment date as of the second change of payment date in one year	EUR 20
4. Student loan
- agreement conclusion	free of charge
- agreement amendment (1)	free of charge
- amending the student loan repayment schedule	free of charge
5.Endowment loan
- agreement amendment (1)	up to 1% of the remaining loan, min. EUR 250
- changing the payment date once in a year	free of charge
- changing the payment date as of the second change of payment date in one year	EUR 20
- change of the current account(s) related to the loan	EUR 20
6. Limit loan
- agreement amendment (1)	up to 1% of the loan limit, min. EUR 35
- changing the payment date once in a year	free of charge
- changing the payment date as of the second change of payment date in one year	EUR 20
7. Other loan-related services
-contractual penalty for the violation of the notification obligation stipulated in the agreement, incl. for not submitting the insurance policy of collateral	EUR 32
- contractual penalty for the violation of any other non-monetary obligation stipulated in the loan agreement	up to 5% of the loan amount outstanding at the moment of violation
- re-registration of a pledge established on a building into a mortgage	free of charge
- reminder of debt	free of charge
- debt claim letter	EUR 5
- certificate on paid interests (2)	EUR 4

Legal entity
1. Investment loan
- agreement conclusion	1% of the loan amount, min. EUR 200
- agreement amendment	1% of the remaining loan /limit, min EUR 200
2. Working capital loan
- agreement conclusion	1% of the loan amount, min. EUR 200
- agreement amendment	1% of the remaining loan /limit, min EUR 200
3. Overdraft
- agreement conclusion	1% of the loan amount, min. EUR 200
- agreement amendment	1% of the remaining loan /limit, min EUR 200
- increasing the loan amount/limit	1% additional loan amount/limit, min EUR 200
4. Start-up loan
- agreement conclusion	1,5% of the loan amount
- agreement amendment	1% of the remaining loan /limit, min EUR 200
5. Apartment building renovation loan
- agreement conclusion	1% of the loan amount, min. EUR 200
- agreement amendment	1% of the remaining loan /limit, min EUR 200
6. Other loan-related services
- contractual penalty for the violation of any other non-monetary obligation stipulated in the loan agreement	up to 5% of the loan amount outstanding at the moment of violation
-re-registration of a pledge established on a building into a mortgage	free of charge
- reminder of debt	free of charge
- debt claim letter	EUR 5

(1) All amendments to the loan, which have not been indicated under separate clauses in the price list (incl. amendment of collateral in a notarised or other form).
(2) Commission fee applies to certificates issued at a bank office. A certificate issued automatically in the Internet Bank is free for the client (for enclosing electronically to income tax return).

Guarantees

Guarantee issued by AS SEB Pank
1. Agreement conclusion and/or amendment	as agreed
2. Fee for issuing a letter of guarantee under a limit agreement	EUR 95
3. Guarantee fee	determined as a percentage rate individually for each applicant on the basis of the client's risk and the validity of the guarantee, min. EUR 95
4 Fee for issuing a letter of guarantee with special wording	EUR 150
5. Preparation of a draft or a guarantee or an amendment	EUR 70
6. Payment of claims filed on the basis of guarantee	0.1% of the amount of claim, min. EUR 150
7. Amendment of a guarantee (the relevant guarantee fee is added if the amount is increased and the validity extended)	EUR 95
8. Cancellation of a guarantee	EUR 70
9. Default interest (calculated on any debt from due date until actual date of payment)	0,5% per day
10. Information processing and forwarding fee (added to foreign guarantees)	depending on costs, min. EUR 10
11. Handling of documents or their drafts and payment fee	0,15% of the amount of documents, min. EUR 95
12. Services provided to other credit institutions	the fee is set for each individual transaction
Guarantee received by a client of AS SEB Pank
1. Advising	EUR 70
2. Advising of an amendment	EUR 70
3. Filing a payment claim to the bank that issued the guarantee when requested by client	EUR 100
4. Preparation of the draft of a guarantee, an amendment or a claim	depending on costs, min. EUR 70
5. Verification of the guarantee authenticity	EUR 70
6. Advising the issuing bank of cancellation of a guarantee	EUR 70
7. Information processing and forwarding fee	depending on costs, min. EUR 10
8. Handling of documents or their drafts and payment fee	0,15% of the amount of documents, min. EUR 95
9. Services provided to other credit institutions	the fee is set for each individual transaction

NB! The services charges of another bank may be added if another bank is used.
AS SEB Pank reserves the right to charge for additional services and/or time-consuming transactions in addition to the price list.

Collection


1. Waiver of documents against payment or acceptance	0,2% of the collection amount, min. EUR 95
2. Fee for partial payment from second payment	EUR 70
3. Amendment fee	EUR 50
4. Deferred payment fee	EUR 32
5. Waiver of documents without payment or acceptance	EUR 50
6. Fee for refusal or cancellation	EUR 70
7. Re-assignment of the right of ownership to goods if the goods are sent to the name of AS SEB Pank	EUR 50
8. Information processing and forwarding fee	depending on costs, min. EUR 10
9. Default interest (calculated on any debt from due date until actual date of payment)	0,5% per day

NB! The services charges of another bank may be added if another bank is used.
AS SEB Pank reserves the right to charge for additional services and/or time-consuming transactions in addition to the price list.

Letters of credit

Import letter of credit
1. Agreement conclusion and/or amendment	as agreed
2. Fee for issuing a documentary credit and/or a deferred payment with cash deposit	1% of the amount of documentary credit per year, min. EUR 95
3. Fee for issuing a documentary credit and/or a deferred payment without cash deposit	determined individually for each applicant, min. EUR 95 per month or a part thereof
4. Handling of documents or their drafts (calculated for each set of documents presented)	0,15% of the amount of documents, min. EUR 95
5. Preparation of a draft of a documentary credit or an amendment	EUR 70
6. Amendment fee	EUR 70
7. Increasing the amount and extending the validity of a documentary credit	issuance and deferred payment fee
8. Discrepancy fee (for presenting discrepant documents; normally paid by the beneficiary)	EUR 95
9. Information processing and forwarding fee	depending on costs, min. EUR 10
10. Making a payment to another bank (normally paid by the beneficiary)	EUR 32
11. Default interest (calculated on any debt from the due date until the actual date of payment)	0,5% per day
12. Services provided to other credit institutions	the fee is set for each individual transaction
Export letter of credit
1. Advising fee	EUR 70
2. Confirmation fee	depending on the risk of the opening bank, min. EUR 95
3. Preparation of a draft of a documentary credit or an amendment	depending on costs, min. EUR 70
4. Handling of documents or their drafts (calculated each time a set of documents is verified)	0,15% of the amount of documents, min. EUR 95
5. Payment fee upon payment of the amount of documents before the payment date of the documentary credit	0,1% on the amount of payment, min. EUR 70
6. Deferred payment fee	EUR 70
7. Assignment of proceeds	EUR 150
8. Interest (calculated on the amount of documents paid to the client from the date the payment was made to the client until the date the payment made by the opening bank is received by AS SEB Pank, for a minimum of 10 calendar days)	defined separately for each client
9. Amendment advice	EUR 70
10. Fee for refusal and/or cancellation	EUR 70
11. Transfer fee (the client must also pay all other fees according to the export documentary credit price list)	0.25% of transferred documentary credit amount, min. EUR 95
12. Information processing and forwarding fee	depending on costs, min. EUR 10
13. Default interest (calculated on any debt from due date until actual date of payment)	0,5% per day
14. Services provided to other credit institutions	the fee is set for each individual transaction

Documentary Credits are governed by the Uniform Customs and Practice for Documentary Credits, Pub. No 600, issued by the International Chamber of Commerce, Paris 2007.
NB! The services charges of another bank may be added if another bank is used. AS SEB Pank reserves the right to charge for additional services and/or time-consuming transactions in addition to the price list.

Securities

Securities account	Private individual	Legal entity
Opening and closing
1. Opening the intra-bank securities account	free of charge	free of charge
2. Opening the Baltic securities account	in the Internet Bank free of charge; at a bank office EUR 3	EUR 25
3. Outgoing Portfolio Transfer of Baltic Securities account to another intermediary (21)	EUR 15	EUR 15
4. Incoming Portfolio Transfer of Baltic Securities account from another intermediary	free of charge	free of charge
5. Pledge account	-	EUR 35
6. Account closing	free of charge	free of charge
7. Child’s special type of account (4)	EUR 50
Statements issued by SEB Estonia (11)
1. At a bank office	EUR 4	EUR 4
2. Regular monthly statement of the intra-bank securities account by e-mail	free of charge	free of charge
3. Transaction confirmation (for stock exchange transactions), from a bank office	free of charge	free of charge
Statements issued by Baltic Central Securities Depository (11)
1. Notice of opening the securities account (by regular mail)	EUR 1	EUR 1
2. Ordering regular statements from Baltic Central Securities Depository (7)	EUR 1.60	EUR 1.60
3. Daily-, 10-day, quarterly, monthly statement
- domestic by regular mail	EUR 4	EUR 4
- cross-border by regular mail	EUR 6	EUR 6
- by e-mail	EUR 0.30	EUR 0.30
Monthly maintenance fee of empty securities account (3, 11)
1 Monthly maintenance fee of empty Baltic securities account	EUR 0.80	EUR 4.80
2. Monthly maintenance fee of empty intra-bank securities account	free of charge	free of charge

Baltic securities
Transaction fee (1)	Private individual and legal entity
1. Estonia, Nasdaq Tallinn	0,2%, min EUR 3.20
2. Latvia, Nasdaq Riga	0,2%, min EUR 3.20
3. Lithuania, Nasdaq Vilnius	0,2%, min EUR 3.20
4. Share purchase and sale offers and issues conducted through the auction environment of the exchange	0.3%, min. EUR 3.20
Monthly securities account maintenance fee (3, 11, 14)	Private individual
1. Estonian securities EUR 0 - 6,500	EUR 0.80
2. Estonian securities EUR 6500 – EUR 65,000	EUR 2.50
3. Estonian securities over EUR 65,000	EUR 5
4. Latvian securities	0,008%, min EUR 1
5. Lithuanian securities	0,005%, min EUR 1
Monthly securities account maintenance fee (3, 11, 14)	Legal entity
1. Estonian securities up to EUR 2,000,000	0,004%, min. EUR 8
2. Estonian securities over EUR 2,000,000	EUR 80 + 0.001% of portfolio value exceeding EUR 2,000,000
3. Only non-marketable Estonian securities(except fund units), (10)	EUR 4.80
4. Latvian securities	0.008%, min. EUR 8
5. Lithuanian securities	0.005%, min. EUR 8

NB! Exchange-traded funds are treated as shares.

Exchange-traded funds are treated as shares.
Foreign shares (17)	Brokerage fee (2, 15, 16)	Settlement fee (2, 16)	Monthly maintenance fee (3, 6, 11)
				Minimum monthly fee
Nordic equities				Private individual	Legal entity
1. Norway, Oslo SE	0,2%	EUR 14	0,008%	EUR 1 per group of countries	EUR 4 per group of countries
2. Sweden, Nasdaq Stockholm	0,2%	EUR 14	0,008%
3.Sweden, AktieTorget	0,4%	EUR 14	0,008%
4. Finland, Nasdaq Helsinki	0,2%	EUR 14	0,008%
5. Denmark, Nasdaq Copenhagen	0,2%	EUR 14	0,008%
Western European equities
1. Austria, Vienna SE	0,2%	EUR 45	0,03%	EUR 1 per group of countries	EUR 4 per group of countries
2. Belgium, Euronext Brussels	0,2%	EUR 28	0,03%
3. Ireland,Dublin SE (8)	0,2%	EUR 28	0,03%
4. Italy, Milan SE	0,2%	EUR 28	0,03%
5. Spain, Madrid SE	0,2%	EUR 28	0,03%
6. Netherlands, Euronext Amsterdam	0,2%	EUR 28	0,03%
7. Portugal, Euronext Lisbon	0,2%	EUR 28	0,03%
8. France, Euronext Paris	0,2%	EUR 28	0,03%
9. Germany, Xetra	0,2%	EUR 14	0,025%
10. Great Britain, London SE (8)	0,2%, min. EUR 20	EUR 20	0,03%
11. Switzerland, SIX Swiss SE	0,2%	EUR 28	0,03%
Eastern European equities
1. Poland, Warsaw SE (9)	0,2%	EUR 28	0,03%	EUR 1 per group of countries	EUR 4 per group of countries
2. Czech Republic, Prague SE	0,2%	EUR 28	0,03%
3. Hungary, Budapest SE	0,2%	EUR 45	0,03%
Russia
Russia, Moscow SE	0,25%	EUR 45	0,07%	EUR 15	EUR 25
North- American equities
1. Canada / value of share less than CAD 20	CAD 0.04 per share	EUR 28	0,015%	EUR 1 per group of countries	EUR 4 per group of countries
2. Canada / value of share more than CAD 20	0.2%	EUR 28	0,015%
3. USA / value of share less than USD 7.5	USD 0.015 per share	EUR 14	0,015%
4. USA / value of share more than USD 7.5	0,2%	EUR 14	0,015%
Other
Other countries (e.g. Japan, Hong Kong, Australia)	0.75% or according to agreement	EUR 75 or according to agreement	0,05% or according to agreement	EUR 1	EUR 4
Trading account	Brokerage fee of the respective country	Brokerage fee of the respective country	0,025%	EUR 3.20	EUR 3.20

Bonds (17)	Settlement fee (2)	Monthly maintenance fee (3, 6, 11)
			Minimum monthly fee on foreign bonds
Nordic bonds			Private individual	Legal entity
1. Norway	EUR 20	0,008%	EUR 1 per group of countries	EUR 4 per group of countries
2. Sweden	EUR 20	0,008%
3. Finland	EUR 20	0,008%
4. Denmark	EUR 20	0,008%
Western European bonds
1. Austria	EUR 28	0,008%	EUR 1 per group of countries	EUR 4 per group of countries
2. Belgium	EUR 28	0,008%
3. Ireland	EUR 28	0,008%
4. Italy (20)	EUR 28	0,008%
5. Spain	EUR 28	0,008%
6. Netherlands	EUR 28	0,008%
7. Portugal	EUR 28	0,008%
8. France	EUR 28	0,008%
9. Germany	EUR 20	0,008%
10. Great Britain	EUR 28	0,008%
11. Switzerland	EUR 28	0,008%
12. Eurobonds (ISIN starts with XS)	EUR 20	0,008%
Eastern European bonds
1. Poland (9)	EUR 28	0,025%	EUR 1 per group of countries	EUR 4 per group of countries
2. Czech Republic	EUR 28	0,025%
3. Hungary	EUR 28	0,025%
Russian bonds
Russia	EUR 75	0,05%	1 euro	4 euro
North-American bonds
1. Canada	EUR 28	0,008%	EUR 1 per group of countries	EUR 4 per group of countries
2. USA (20)	EUR 20	0,008%	EUR 1 per group of countries	EUR 4 per group of countries
Other bonds
1. Other countries	EUR 75	0,05%	EUR 1 per group of countries	EUR 4 per group of countries
2. Structured foreign bonds, distributed by AS SEB Pank (13)	EUR 20	0,008%
3. Structured foreign bonds, mediated by AS SEB Pank	Brokerage fee of the respective country	Brokerage fee of the respective country

Fund transactions (19)	Settlement fee	Monthly maintenance fee (3, 11)
SEB Investment Management AB funds registred in Luxembourg (17)
1. Purchase	EUR 3.20	free of charge
2. Sale	EUR 3.20
3. Change of fund units	EUR 3.20
4. Purchase of fund units with standing payment order of fundsaving	free of charge
Other funds registered in Estonia (1 , 17)
1. Purchase	EUR 3.20	according to the Estonian securities price-list
2. Sale	EUR 3.20	according to the Estonian securities price-list

Other transaction fees
Baltic Central Securities Depository and other Estonian securities
1. Securities transfer against payment with defined counterparty	EUR 3.20
2. Transfer without payment	EUR 4.80
3. Transaction between the Baltic Central Depository and foreign depository	EUR 20
4. Subscription to securities (19)	EUR 3.20
5. Confirmation of stock exchange transaction	EUR 3.20
6. Pledge registration	EUR 15
7. Transfer of pledged securities	EUR 15
Foreign securities
1. SEB Estonia internal transaction	EUR 4.80
2. Transaction with a determined counterparty	settlement fee of the respective country
3. Subscription to foreign securities (19)	settlement fee of the respective country
4. Subscription to structured bonds (19)	EUR 3.20
5. Optional corporate events (12)	settlement fee of respective country
6. Change of transaction terms/ cancellation of order (only upon agreement with the bank)	actual expenses or min. settlement fee

Other services (11, 18)
1. Participation in the general meetings of shareholders	as agreed with the bank
2. Tax Relief at source– Baltic securities	EUR 10
3. Tax Relief at source– foreign securities(18)	EUR 20 + actual fees
4. Tax reclaim - Baltic securities	EUR 20 + actual fees
5. Tax reclaimd – foreign securities (18)	EUR 100 + actual fees
6. Processing fee of the child’s special type of account	EUR 25

(1) Securities are held in the Baltic securities account
(2) Foreign bank fees exceeding the SEB Estonia transaction fee to be added.
(3) Maintenance fee is calculated once a month on the last banking day on the basis of the aggregated value of securities, kept on the securities accounts tied to one cash account. However a minimum maintenance fee as per price list is applied to an empty Baltic securities account.
When calculating the value of securities, the bank proceeds from the net asset value (NAV) of the fund unit, for bonds - from the nominal value, for traded shares - from the market value or the most recent price, known to the bank. For the rest of the securities, the bank proceeds from the par value of the security or the accounting par value of the security. If information about the par value cannot be obtained from the financial data vendor, the par value shall be deemed to be 1. The maintenance fee of the securities account and the fee for the statement shall be debited from the client’s cash account tied to the securities account once a month, the latest by the 15th day of the following calendar month.
(4) A securities account opened on behalf of a minor or an adult with restricted active legal capacity, for whom guardianship has been established, for executing securities transactions on the account of the assets of a parent or guardian, arising from the Family Law Act. A service fee as per price list shall apply when opening a Baltic securities account.
(5) Processing of securities transactions related to the child’s special type of account, which requests further analysis in order to ascertain the eligibility of transactions on the child’s special type of account (securities, obtained previously on the account of assets of the parent or guardian, securities transactions between customers, etc.) Maximum time of processing is 5 working days.
(6) For ADR (American Depositary Receipt) and GDR (Global Depositary Receipt) bonds, direct costs related to safekeeping the securities may be added, which the bank debits from the client depending on the conditions of the specific ADR or GDR either once a month, quarter, half-year or year.
(7) Baltic Central Securities Depository gives issues a securities account statement upon request of the securities account owner once a year - free of charge.
(8) For purchase transactions, generally the Stamp Duty is added, which in Great Britain is 0.5% and in Ireland 1%.
(9) For transactions with certain Polish securities (such as OTC transaction without broker), the Stamp Duty of 1% on the transaction amount may be added. The buyer of the securities shall pay the Stamp Duty and submit the required documentation directly to the tax authority in Poland.
(10) If the securities account contains both, marketable as well as non-marketable Estonian securities (excl. fund units), which are registered with Baltic Central Securities Depository, then the non-marketable securities (excl. fund units) are not included in the portfolio value and maintenance fee is charged only for the marketable securities.
(11) VAT shall be added to the service charge as per Value Added Tax Act. VAT is not added to monthly maintenance fee, if the securities account holds only the units or shares of a mutual fund stipulated in the Investment Funds Act or a mutual fund of a Member State of the European Economic Area.
(12) As regards the transaction fees for participants in optional corporate events, potential "out of pocket fees" (e.g. notary fees, transport costs) will be added, which will be divided between the participants in the corporate event pro rata to the quantity of their securities.
(13) Structured bonds, the issuers of which are credit institutions and the primary distribution of which has been introduced to the client by the Bank.
(14) Only those accounts, which contain only the securities of Estonian companies, which are either bankrupt or under liquidation, are exempt from a monthly maintenance fee, based on the information received from the Baltic Central Securities Depository. Monthly maintenance fee is not calculated, if the only securities held in the securities account throughout the entire calendar month are those, belonging to Estonian companies, which are in bankrupt or under liquidation.
(15) The commission fee rate of deals with a broker shall be calculated from the transaction amount
(16) A financial transaction tax of the respective country may be added to the transaction (e.g. 0.3% of the transaction amount in case of purchasing securities of an issuer in France).
(17) Securities are held in an intra-bank securities account.
(18) In case of specific countries, foreign securities bank may not offer prevention and refund of income tax.
(19) A additional fee may be added to the transaction pursuant to the offering documents of the respective instruments.
(20) The precondition to executing transactions with these bonds is the submission of the required tax documentation. For this, please contact the bank before making the transaction.
(21) Applies, if the account includes securities with up to five different ISIN-codes. Starting from the transfer of sixth and subsequent securities positions with a different ISIN-code, a fee for securities transaction without payment shall be added.

SEB Plans for private individuals

SEB Plans name	SEB Plans formalization fee (2)	SEB Plans monthly fee
1. Junior Plan	free of charge	free of charge
2. SEB Youth Plan	EUR 0.32	EUR 0.32
3. SEB + Plan	EUR 1.95	EUR 1.95
4. SEB Super+ Plan	EUR 2.95	EUR 2.95
5. SEB Family Plan (1)	EUR 3.50	EUR 3.50
6. SEB Senior Plan	EUR 0.32	EUR 0.32

(1) Client, who forms SEB Family Plan, can invite 7 members to Plan. For members monthly fee doesn’t expand.
(2) A client is not charged monthly fee for formalising a plan.

Plans for business customers

Product is not offered to non-resident legal persons.

Plans name	General monthly fee	Special monthly fee (1)
1. Plan S	EUR 7	EUR 6
2. Plan M	EUR 14	EUR 12
3. Plan L	EUR 26	EUR 22
4. Plan XL	EUR 48	EUR 40

(1) A special fee applies to a business customer, who has taken out a Bank Link contract, a contract for servicing payment cards, a credit card agreement, a loan-, leasing- or a factoring agreement.

Additional services


1. Copying and transference of bank documents (1)	EUR 3 / per document
2. Archive inquiry for document (1,2)	EUR 30 / per document
3. Issuing and transference of certificates, confirmations (1)
on existence of an account and on the balance (balance confirmation)	EUR 9
certificate to Commercial register (on share capital)	EUR 9
certificate of income tax on interest (3)	EUR 9
certificate on existence/lack of obligations	EUR 9
transaction confirmation (stamp on the payment order)	EUR 3
letter of recommendation for another bank (4)	EUR 9
certificate of the occurrence of the card transaction	EUR 9
4. Responses to inquiries
to auditors	EUR 25, to groups of companies EUR 25 per member
contract and balance inquiry on a business client (for liquidator)	EUR 30
certificates and responses to inquiries, which need special solutions (5)	EUR 30 per hour, min. EUR 30
5. A notice of debt
reminder of debt	free of charge
debt claim letter	EUR 5
6. Transfer of documents and bank accessories (bankcard, ID-Card reader, PIN calculator, etc.) with courier service	as per price list of the respective courier company established to SEB
7. Sending documents and bank accessories (ID-Card reader, PIN calculator) by registered mail
in Estonia	EUR 5
outside Estonia	EUR 10
8. Pension Plan Agreement
contract fee	free of charge
annual fee	free of charge
9. Fee for the establishment of account pledge	EUR 180
10. Statement of Fees in SEB Internet Bank for private client and at a bank office (6)	free of charge

(1) A forwarding fee shall be added to the price:
by mail in Estonia – EUR 2;
by mailoutside Estonia – EUR 5;
(2) Price already contains fee of copy making from document
(3) Commission fee applies to certificates issued at a bank office. A certificate issued automatically in the Internet Bank is free for the client (for enclosing electronically to income tax return).
(4) The bank is entitled not to issue a recommendation.
(5) Preparing other responses and certificates for inquiries, not separately indicated in the price list. The bank is entitled to refuse to accept the orders for preparing certificates or other documents that need a special solution.
(6) A document for private clients that contains information on the service charges paid for the typical payment services relating to the current account and card account, the interest earned in the selected period and the interest calculated for the use of the overdraft limit. Possible periods are pervious calendar year and current year.

SEB Life and Pension Baltic SE Estonian Branch

Life insurance
SEB Loan Protection
Risk insurance
SEB Loan Insurance
Pension
Growth Portfolio for Pension
Guaranteed Pension Insurance
Savings
Growth Portfolio

Leasing

Valid from 01.12.2018

Description of service	Price in euros
1.Entry into contract
Entry into lease contract	1% of the acquisition cost of the lease item, min €225
Conclusion of a new lease contract on the residual value of the ending lease contract	1% of the acquisition cost of the lease item, min €160
2. Amendment of contractual conditions
Amendment of contract, incl. change of lease period, change of repayment schedule, transfer of contract to new lessee, releasing additional collateral (surety, guarantee), other contractual changes	1% on outstanding residual value (1), min €160
Amendment of contract due to partial early performance of financial lease contract of a private individual, if other conditions are not changed	No contract amendment fee (for fixed interest, interest difference charge shall be paid)
Amendment of payment day of a valid lease contract upon client's request	EUR 30, first amendment free of charge
Reinstatement of contract	EUR 160
3. Debt notice to the lessee (2)
Reminder of debt	Free of charge
Debt claim letter	EUR 5
4. Authorisations, reports, certificates, invoices, other(2)
Unattested power of attorney, incl. for changing the register entry in the e-service of Road Administration	EUR 12 Upon expiry / pre-term termination of lease contract, first authorisation free of charge
Notarised power of attorney	EUR 90
Change of register data during the lease period by the lessor	EUR 12, state fee to be added. Upon expiry / pre-term termination of lease contract, initiating the change of owner free of charge
Processing a claim arising from the violation of parking conditions, traffic regulations, or other legislation (including moving costs of the vehicle)	EUR 36 Incurred costs will be added
Consent for subleasing the property	EUR 42
Cancellation / amendment of redemption invoice of property upon client’s request	EUR 12
Confirmation of balance statement presented by the client	Free of charge
Issuing a certificate, consent, copy of contract, duplicate invoice (older than 1 month), fuel card statement or balance confirmation upon client’s request	EUR 12
Issue of a specific statement or report upon the client’s request; confirmation of a period turnover statement provided by the client	EUR 30
5. Pre-term termination of lease contract (2)
Pre-term termination of private person’s lease contract	As per contractual conditions
Pre-term termination of legal person's lease contract	Unless otherwise specified in the agreement, the fee for early repayment is 2.5% on outstanding residual value (1), min €225; for operating lease, VAT shall be added; for fixed interest, interest difference charge shall be added

The establisher of the price list reserves the right to make changes to the price list.

(1) Outstanding residual value is the total sum of unpaid instalments, balance of VAT(loan) and residual value.
(2) Service fees include VAT as per Value-Added Tax Act

Price list

Factoring

Valid from 01.12.2018

Description of service	Price in euros
General transaction and service fees of Factoring (1)
Conclusion and/or extension of a factoring agreement	Fee as agreed, min €200
Changing the agreement limit	Fee as agreed, min €200
Invoice handling fee	Fee as agreed
Adding/changing obligor limit (payers without credit insurance)	€25
Adding/changing obligor limit (payers with credit insurance)	€30
Changing other terms and conditions of the agreement (excluding changing and/or extending the agreement limit)	€65
Preparation of non-standard factoring reports and certificates	€30 per hour, min €30

The establisher of the price list reserves the right to make changes to the price list.

(1) Service fees include VAT as per Value-Added Tax Act

Price list

Price list

Accounts

Deposits

Cash pool account

Account statements

Cash transactions

Terms of executing cash transactions

Payments

Additional settlement services

Debit cards

Credit Cards

Electronic products and services

II pillar pension fund

Voluntary (3rd pillar) pension funds

Loans

Guarantees

Collection

Letters of credit

Securities

SEB Plans for private individuals

Plans for business customers

Additional services

SEB Life and Pension Baltic SE Estonian Branch

Leasing

Factoring

Contact

Useful information

Price list

Accounts

Deposits

Cash pool account

Account statements

Cash transactions

Terms of executing cash transactions

Payments

Additional settlement services

Debit cards

Credit Cards

Electronic products and services

II pillar pension fund

Voluntary (3rd pillar) pension funds

Loans

Guarantees

Collection

Letters of credit

Securities

SEB Plans for private individuals

Plans for business customers

Additional services

SEB Life and Pension Baltic SE Estonian Branch

Leasing

Factoring

Contact

Useful information

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