Price list

(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, who are younger than 19 years of age (incl.) or older than 65 years of age (incl.).
(5) Current account monthly fee for legal entities does not apply to the payment and e-money institutions.
(6) Monthly account management fee is applied on client basis (does not depend on the number of accounts).
(7) 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 shall not apply if the central bank interest rate in the relevant currency listed in the table is zero or above zero. 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.

(1) Except for minors.

As a rule, correct payments forwarded to the bank before 11 p.m. shall be debited from the remitter's account on the same day, payments forwarded after 11 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.

(1) Cash transfers in amounts smaller than 10,000 euros cannot be made in a bank office. Such transactions can be made via an ATM.
(2) Cash withdrawal requires a 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) A cash deposit in coins can only be made via a coin deposit machine; the amount indicated on the receipt issued by the coin machine is transferred to your bank account and it is not paid out in cash.
(4) Cash transactions can only be carried out in branch offices that use cash.

(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. The beneficiary’s bank is in a member state of the European Union, Iceland, Liechtenstein, Norway, Switzerland, Andorra, San Marino, United Kingdom, Monaco or Vatican City.
(3) European instant payments can be made only in electronic channels.
(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 17.00. The beneficiary's bank must have a correct BIC and account number must be indicated with IBAN.
(5) 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.
(6) Upon agreement with the Markets department.
(7) A transfer order for debiting a consolidated amount can be forwarded via SEB Baltic Gateway and SEB internet bank for business.
(8) High sanction risk payment fee is applied for executing transfer order to countries which under the assessment of the bank are considered to be of higher sanction risk. Full list of high sanction risk countries is available on our homepage. Fee shall be charged additionally to other fees for the payment services as described in the price list. Fee is applicable to business clients only.
(9) The service fees for Salary payment product are applied to each individual payment separately.

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

(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“. Except for business customers when payment is from high sanction risk country (more information in (3)). 
(3) High sanction risk payment fee is applied for transfer orders from countries which under the assessment of the bank are considered to be of higher sanction risk. Full list of high sanction risk countries is available on our  homepage. Fee shall be charged additionally to other fees for the payment services as described in the price list. Fee is applicable to business clients only.

(1) If the transfer order cannot be revoked and the payment amount was debited from the customer's account less than 13 months ago, the bank will forward the request to revoke the payment transaction to the payment intermediary, the beneficiary's bank or the beneficiary. Charges of foreign banks, payment intermediaries and the cost of conversion may be added. Payment of the commission fee does not guarantee the return of money. Return of the executed payment is possible only with the consent from the receiver of the payment.
(2) A subscription processing fee is charged upon concluding an MT101 agreement or an 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) Cost per one company and one state to be joined.
(5) The certificate is issued in Estonian or English.

Ordinary cards

ISIC and ITIC cards

Other cards

(1)    A card ordered to a bank office always activated by an employee of the bank office when the card is issued.
(2)     Replacement cards cannot be activated in ATMs.
(3)    It is not possible to order new cards starting from 16.04.2024.

General transaction and service fees

(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 (Mastercard), converted into euros according to their determined exchange rates.
(4) Sending the card to parcel machine in Estonia is free of charge for the owners of Youth Plan.

(1) A card ordered to a bank office always activated by an employee of the bank office when the card is issued.
(2) It is not possible to order new cards starting from 16.04.2024.
(3) The fees applicable to SEB Private Banking client agreement owner are specified in the Private Banking section of the price list.
(4) Replacement cards cannot be activated in ATMs.
(5) The monthly fee does not apply to clients aged 18 to 25 years (incl.).

(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 (Mastercard), converted into euros according to their determined exchange rates.
(4) The price is valid for the use of the Priority Pass service with the Priority Pass card specifically issued for this purpose.

(1) Only those changes to the agreement which are made by an employee of the bank but can be made by a person with administrator rights at the internet bank for business are subject to a fee.
(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) Price includes VAT as per Value Added Tax Act.
(5) Cost per one company and one state to be joined.
(6) The monthly fee will not be applied to clients using business customers´ Standard, Standard+, Premium, Premium+ plans.
(7) After sending five invoices, the opportunity to join the E-invoice portal package Premium.
(8) Fee will be applied in case user is identified remotely and it is not possible to use Estonian ID-card, Mobile-ID or Smart-ID.

* 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 UnifiedpostAS.
** Under the E-invoice portal Basic package, e-invoices can be forwarded to SEB internet bank for private Individuals and SEB internet bank for business.

(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).

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.

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.

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.

Exchange-traded funds (ETF) are considered as shares.

(1) Baltic securities are held in a Baltic securities account and foreign securities are held in an intra-bank account.
(2) Foreign bank fees exceeding the SEB Estonia transaction fee to be added.
(3) The maintenance fee for a legal person's securities account is calculated once a month on the last banking day on the basis of the aggregated value of securities kept on the securities accounts. 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 15thday of the following calendar month. For legal persons with multiple securities account safekeeping fee shall be taken from the current account linked with the oldest securities account.
(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. 
(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) securities, 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. VAT shall be added to the service charge as per Value Added Tax Act.
(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) The Stamp Duty is generally levied on purchase transactions of British and Irish securities, 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 client portfolio 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. 0.4% of the transaction amount in case of purchasing securities of an issuer in France and 0.2% of the transaction amount in case of purchasing securities of an issuer in Spain). A financial transaction tax or similar charge may also be applied to transactions resulting from corporate events, and that is debited from a client´s account within two months of the transaction (taking place).
(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) An 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.
(22) Baltic securities (excl. fund units) – Estonia, Latvia, Lithuania. Foreign securities (excl. fund units): Norway, Sweden, Finland, Denmark, Austria, Belgium, Ireland, Italy, Spain, the Netherlands, Portugal, France, Germany, the United Kingdom, Switzerland, Poland, the Czech Republic, Hungary, Russia, Canada, United States, other countries.
(23) Fees apply to orders submitted via the internet bank or a bank office.
(24) SEB Investment Management U and F class funds administration fee (set in monthly rate) is calculated at the end of each day based on the aggregated value (NAV) of the respective fund units. Administration fee is debited once a month, the latest by the 20th day for previous month from the current account tied to the securities account.
(25) SEB Short Bond Fund U class belongs to this group.
(26) Fee for previous month is debited once per month latest by 10th day from the cash account tied to the service. VAT shall be added to the service charge as per Value Added Tax Act.
(27) SEB Asienfond ex. Japan C, E unit classes belongs to this group.

(1) A client is not charged monthly fee for formalising a plan.
(2) Youth plan applies to private customers up to and including 25 years of age without entering into a contract, unless the young person aged 18–25 years has entered into another plan contract.
(3) For private customers up to and including 25 years of age, the Daily plan is free of charge and for private customers over 65 years of age, the Daily plan costs EUR 0.32 per month.
(4) Diverse pan owner can invite up to 2 members to the plan. Monthly fee for EUR 1 applies to the member. The monthly fee for the members invited to the plan is paid by the person who formalized the plan.
(5) Exclusive plan owner can invite up to 2 members to the plan. For Exclusive plan members monthly fee doesn't expand.
(6) The prerequisite for choosing the Elite plan is a valid SEB Private Banking Customer Agreement. Elite plan owner can invite up to 4 members to the plan. For Elite plan members monthly fee doesn't expand.

(1) A service plan for business is not concluded with non-resident legal persons; credit institutions, financial service providers, financial intermediaries or other providers of similar services, and with legal persons who have special price agreements or who are part of cashpool agreements.

(1) A forwarding fee shall be added to the price:
by mail in Estonia – EUR 2;
by mail outside 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.
(7) A fee is charged for the identification of each person.
(8) VAT as per Value Added Tax Act will be added to the price.
(9) Fee will be applied to a business customer who is or whose mother company is SEB AB’s client.

SEB Private Banking service is for clients whose liquid financial assets held by SEB have a minimum value of EUR 200,000 and with whom a corresponding client agreement is concluded.

(1) Bank´s price list applies to services not specified in the price list.
(2) Price includes VAT as per Value Added Tax Act. From investment portfolio management or portfolio account agreement owner, client agreement fee is not charged.
(3) VAT as per Value Added Tax Act will be added to the price.
(4) A card ordered to a bank office always activated by an employee of the bank office when the card is issued.  
(5) Replacement cards cannot be activated in ATMs.

Valid from 01.09.2022

(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
(3) In case of fixed interest, interest difference charge will be added in the amount of the costs incurred due to the pre-term repayment of the credit.

Price list (PDF)

Valid from 01.01.2021