It checks all the boxes
With any business customer plan, all Mastercard Business debit cards come without a monthly maintenance fee. Monthly fee without plan - 2 EUR.
Link several cards to a single current account: order cards for your company’s employees and specify the permitted transactions and the limits thereof for each card.
The bank will automatically exchange all payments, executed in a difference currency, i.e., when paying for purchases by card abroad, in the base currency of the account.
Pay for your business travel expenses, make hassle-free payments for your online purchases, as well as withdraw cash at ATMs worldwide.
Contactless payments are proved to be safe
- Enable or disable contactless payments at any time in the mobile app
- Create digital version of your Mastercard business card and pay by phone or your other NFC device
- Without entering PIN, you can pay up to 50 EUR for one purchase and this limit can’t be changed. You can change the limit within 5-50 EUR in the Internet Bank
- If you enter a wrong PIN three times consecutively when making a purchase, the card will be automatically blocked for security reasons. You can unblock the card at SEB bank‘s ATMs by entering correct PIN.
In case you lost your card
- Block the card by using the mobile app, Internet Bank, or report this immediately by calling us at +372 665 5100
- In case you still can’t find your card, a new one can be ordered in Internet Bank for business
- If you need to make some urgent payments with your card, consider creating a temporary card
Frequently asked questions
- With a new contactless card, the first transaction shall be made at an ATM or POS terminal at the merchant as usual – the card must be entered into the terminal and transaction confirmed with a PIN. After the first chip transaction, the contactless function is activated, and it is possible to make contactless payments.
- You can activate (and deactivate) the contactless function of a debit card in Internet Bank and at a branch.
- To use contactless payments, you need to allow card payments at a company, activate the contactless payment option and determine the suitable limit for contactless payments.
Contactless payments in SEB are secure and correspond to the required standard. Further security is ensured by the contractual purchase limits and various restrictions, which you can apply depending on your consumption habits.
You can design a personalised bank card only as a customer of SEB. Pick a suitable image for the card from our created designs or from among your own favourite pictures.
The image files may be either in JPEG, GIF, BMP or PNG format, with maximum file size 10MB and size of the image at least 1036x664 pixels.
If you ordered your card to be delivered to one of our branches, then it can be picked up after four business days in Tallinn and ten days outside Tallinn. In case your card is delivered to you by post, then it takes approximately 7 business days.
The card is valid for three years. Upon expiry, we will issue you a new card in advance automatically and inform you about the methods of delivery.
- You can assign the debit card daily and monthly user limits in Internet Bank for business or in branch and change them according to your needs.
- Daily cash withdrawal limit is the amount, which can be withdrawn from an ATM in one day. Maximum daily cash limit is 3500 EUR.
- Daily limit for purchases and payments is the amount, within which it is possible to make card payments or transfers in ATMs in a day. Maximum daily limit for purchases and payments is 20,000 EUR.
- Monthly limit is the amount, within which it is possible to use the card for payments, withdrawal of cash from ATMs and bank transfers in one month. Assigning a monthly limit is not obligatory.
- Increasing the credit limit will need additional credit decision to be made by the bank.
Credit card
Increase your possibilities with Mastercard contactless credit card - choose an interest-free credit for up to 45 days.
Service plans
Find the most suitable service plan that represents your needs and saves your business funds - a package costs less than each service separately
Accepting card payments
Provide your customers possibility to pay by card. Choose card reader terminal which suits your business needs.
Ordinary cards
| 1. Mastercard debit card | |
| activating the card (incl. replacement, prolonged card) at a bank office or through the customer support (1) | EUR 5 |
| activating the card (incl. replacement, prolonged card) in the Internet Bank, the mobile app, or at an ATM (2) | free of charge |
| monthly fee | EUR 1 |
| 2. Mastercard Business debit card | |
| activating the card (incl. prolonged card) at a bank office or through the customer support (1) | EUR 5 |
| activating the card (incl. prolonged card) in the Internet Bank, the mobile app, or at an ATM | free of charge |
| issuance of a replacement card | EUR 3 |
| monthly fee | EUR 2 |
| 3. Mastercard Gold debit card | |
| activating the card (incl. replacement, prolonged card) at a bank office or through the customer support (1) | EUR 5 |
| activating the card (incl. replacement, prolonged card) in the Internet Bank, the mobile app, or at an ATM (2) | free of charge |
| monthly fee | EUR 1.50 |
| 4. Picture card debit card for private individual | |
| activating the card (incl. replacement, prolonged card) at a bank office or through the customer support (1) | EUR 5 |
| activating the card (incl. replacement, prolonged card) in the Internet Bank, the mobile app, or at an ATM (2) | free of charge |
| monthly fee | EUR 1 |
| 5. Picture card debit card for legal entity (3) | |
| activating the card (incl. prolonged card) at a bank office or through the customer support (1) | EUR 5 |
| activating the card (incl. prolonged card) in the Internet Bank, the mobile app, or at an ATM | EUR 3.50 |
| issuance of a replacement card | EUR 5 |
| monthly fee | EUR 2 |
ISIC and ITIC cards
| 1. ISIC Tudeng (Student) | |
| issue, replacement, prolongation | EUR 7.50 |
| 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 |
| monthly fee | EUR 1 |
| 3. ITIC Õpetaja (Teacher) | |
| issue, replacement, prolongation | EUR 7.50 |
| monthly fee | EUR 1 |
Other cards
| issue | EUR 3 |
(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. 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 600 in a calendar month per client (holder of account(s)) | free of charge |
| - if the amount exceeds EUR 600 in a calendar month per client (holder of account(s)) | 0,3% of the withdrawn amount |
| 4. Cash withdrawal in Estonia from other banks 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. Cash withdrawal at a service enterprise (fee as per price list of the enterprise to be added) | free of charge |
| 7. Fee for transaction in foreign currency (3) | |
| transaction original currency is other (excl. EUR) | 1,5% of the transaction amount |
| 8. Balance inquiry (balance, last transactions) | |
| from SEB Estonia ATM´s | free of charge |
| from other bank’s ATM | EUR 0.40 / per inquiry |
| 9. Fee for change in debit card limit | |
| at a bank office | EUR 2.50 |
| internet-bank | free of charge |
| 10. Preparation of express bank cards | EUR 40 |
| 11. Debt claim letter of debit card by post | EUR 1.28 |
| 12. Contractual penalty for use of blocked card, breach of limit or amounts not paid in time | EUR 65 |
| 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 5 |
| mail outside Estonia | EUR 10 |
| parcel machine in Estonia (4) | EUR 3.20 |
(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.
