With a Debit card you can
- Change the card settings using the SEB mobile app or the Internet Bank
- Make contactless payments with your Android phone
- Order the card and receive it at your home address or any other address in Estonia or abroad
- Pay for goods and services in Estonia and abroad without using cash. Debit card can be used for online purchases
- Pay with debit card in all institutions and companies, where you notice Mastercard logo on the window, door or cash register
- Withdraw cash from ATMs in Estonia and abroad
- View account and transaction information in ATMs of SEB
Compare debit cards
ISIC and ITIC cards
- Free of charge when using a plan, otherwise - 1 euro a month
- Proves your academic status
- Provides thousands of discounts
- Usable as a public transport card
Mastercard Gold debit card
- Free on charge when using Diverse, Exclusive or Elite plans, otherwise - 1.50 euro a month
- Priority service at a bank office
- Payments in Estonia and abroad
- Cash deposits and withdrawals from ATMs
Picture card
- The gallery now features works of four renowned Estonian photographers
- Pay for the goods on the Internet
- Make contactless payments up to 150 euros
What to do if your payment card is lost or stolen?
- Report this immediately by calling +372 665 5100 to block the card, or block the card yourself by using the mobile app
- When you block your card, you can order a new payment card immediately
- Within one week, we will produce and issue a new card and provide you a new PIN code. A defined fee is applied for new card issuance according to the price list
Frequently asked questions
In case your card is lost or stolen, we suggest blocking it immediately. You can block the card:
- in the mobile app (“Cards” → “Card” → “Blocking”)
- in the Internet Bank (“Cards” → “My cards” → “Block the card”)
- by calling SEB Bank at +372 665 5100 (24/7)
Yes. You can order a card for yourself in the Internet Bank on the page "Cards" → "New card". We send the cards both by post and to the Omniva parcel machine. We can send the card to your residential address, office address or elsewhere in Estonia or abroad, wherever you usually stay or prefer to receive the card at. Sending by ordinary mail in Estonia is free. There is a fee for sending the card to the parcel machine. For minors and owners of the Youth Plan, sending to parcel machines is free of charge. For owners of the Youth Plan, sending cards both via regular mail and to parcel machines is free of charge.
You can view your card’s PIN code in the Internet Bank section "Cards" → "My cards" → "View PIN code".
Yes. You can change the PIN code by using an ATM of SEB.
If you forgot your card in the ATM or if the ATM confiscated your card, please block your card and order a replacement. You can block the card:
- in the mobile app (‘Cards’ → ‘Card’ → ‘Block’ → ‘Lost’)
- in the Internet Bank (‘Cards’ → ‘My Cards’ → ‘Block card’ → ‘Lost’)
- by calling the SEB customer support at +372 665 5100 (24/7)
First you need to activate the card. You can do it either in mobile app or the Internet Bank:
- in the mobile app (“Cards” → “Card”)
- in the Internet Bank (“Cards” → “My cards” → “Activate the card”)
A maximum daily limit for cash withdrawal at an ATM by a debit card is 3500 euros.
You can change cash withdrawal limits:
- in the mobile app (“Cards” → “Settings and limits”)
- in the Internet Bank (“Cards” → “My cards” → “Change data”)
Currently, it is only possible to buy a 1-hour ticket from the validator with a bank card, you cannot buy a discount ticket, nor can you prove the right to ride for free with a bank card. As the vast majority of ISIC card holders have either the right to discount tickets or even the right to ride for free, in order to avoid mistaken full ticket purchases, it is not possible to use ISIC bank cards issued in Estonia to purchase tickets from validators. However, these cards can still be used in the old way – to prove the right to ride, to deposit money onto the card used in public transport and to buy tickets with that money.
A bank card ordered by mail or a parcel machine in Estonia will arrive within 5-6 working days. If the card is sent to another country, then delivery can take up to 14 working days (depending on the country).
For credit cards, an additional processing time of up to 5 working days could be applied.
Manage your card in the app
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 |
| During the period 06.06-30.09.2024, the issuing of an ISIC card | free of charge |
| 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 |
| During the period 06.06-30.09.2024, the issuing of an ISIC card | free of charge |
| 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.
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