A service plan provides plenty of useful solutions
- Free current accounts for managing your finances
- Free payments to other Estonian and European banks
- Debit and credit cards with no monthly fee
- Trauma insurance
- Purchase and travel insurance for credit card holders
- Possibility to withdraw larger amounts free of charge from SEB ATMs in Estonia, Latvia and Lithuania
- Free settlements for children and young people with the new service plans of SEB
Service plans for private customers
Scroll the table horizontally, in order to see more information on different service plans.
| Service name | Price list | Youth1 | Daily2, 14 | Diverse14 | Exclusive14 | Elite3 |
|---|---|---|---|---|---|---|
| An option to apply via internet bank | Automatically applied1 | Apply | Apply | Apply | Apply | |
| Conclusion, monthly fee | No monthly fee | EUR 1.45 Age 18-25 (incl.) free of charge From age 65 0.32 euros |
EUR 2.95 | EUR 10 | EUR 33 | |
| Current accounts without monthly fee4 | 0.30/7 euros per account12 | |||||
| Unlimited number of free intra-bank and European payments in electronic channels5 | 0.08–0.25 euros per payment13 | |||||
| 1 debit card without maintenance fee6 | 1 euro/1.50 euros | Mastercard debit card Picture Card debit card ISIC/ITIC card |
Mastercard debit card Picture Card debit card ISIC/ITIC card |
Mastercard debit card Picture Card debit card ISIC/ITIC card Mastercard Gold debit card |
Mastercard debit card Picture Card debit card ISIC/ITIC card Mastercard Gold debit card |
Mastercard debit card Picture Card debit card ISIC/ITIC card Mastercard Gold debit card |
| Cash withdrawal free of charge at SEB ATMs in Estonia, Latvia and Lithuania (monthly limit is common to all debit cards) | up to 600 euros per calendar month per customer (account owner) free of charge | EUR 1000 | EUR 1000 | EUR 1200 | EUR 2000 | EUR 3000 |
| Instant trauma compensation11 | EUR 50/year | EUR 100/year | EUR 200/year | |||
| Credit card without maintenance fee7, 8 | 1.60/7.50/30 euros | 1 Mastercard credit card or Picture Card credit card with purchase insurance |
1 Mastercard Gold credit card or Mastercard Premium credit card with extra services8:
The services mentioned above are only included with the Mastercard Gold or Mastercard Premium credit card. |
1 Mastercard World Elite credit card with extra services8:
In addition, 1 credit card (except for Mastercard Platinum and Mastercard World Elite credit cards).9 |
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| Interest on credit card with fixed payment -2 % discount8 |
18% per year from the credit limit used | |||||
| Possibility to add members10 | Up to 2 members. The owner of plan pays a monthly fee of EUR 1 for each member.15 |
Up to 2 members. No monthly fee is charged from members. |
Up to 4 members. No monthly fee is charged from members. |
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| Sending a card to a parcel machine within Estonia free of charge | 3.20 euros | |||||
| Mastercard Picture card activation at a bank office free of charge | 5 euros | |||||
| Debit card (ISIC Scholar, ISIC Student, Mastercard Debit card, Mastercard Picture card) limits changes at the bank office free of charge | 2.50 euros |
Scroll the table horizontally, in order to see more information on different service plans.
| Service name | Diverse | Exclusive | Elite |
|---|---|---|---|
| Current accounts without monthly fee4 | |||
| Unlimited number of intra-bank and European payments in electronic channels5 | |||
| 1 debit card without maintenance fee6 | Mastercardi deebetkaart Picture Card debit card ISIC/ITIC card Mastercard Gold debit card |
Mastercardi deebetkaart Picture Card debit card ISIC/ITIC card Mastercard Gold debit card |
Mastercardi deebetkaart Picture Card debit card ISIC/ITIC card Mastercard Gold debit card |
| Cash withdrawal free of charge at SEB ATMs in Estonia, Latvia and Lithuania (monthly limit is common to all debit cards) | EUR 1200 | EUR 2000 | EUR 2000 |
| Instant trauma insurance11 | EUR 100 / year | EUR 200 / year | EUR 200 / year |
| Credit card without maintenance fee7,8 | 1 Mastercard credit card or Picture Card credit card with purchase insurance |
1 Mastercard credit card or Picture Card credit card with purchase insurance |
1 Mastercard credit card or Picture Card credit card with purchase insurance |
| Interest on credit card with fixed payment -2 % discount8 |
1 Youth Plan applies to private customers up to and including 25 years of age without entering into a contract, unless the young person has entered into another plan contract.
2 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. 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 The prerequisite for choosing the Elite Plan is a valid SEB Private Banking Customer Agreement.
4 We do not offer a current account to non-residents of EEA Member States, who have a plan with no monthly fee.
5 Includes an unlimited number of intra-bank and European payments (including instant payments), e-invoice with automated standing order and standing order payments to European banks.
6 In the Youth and Daily plan free is the card related to the earliest concluded debit card agreement, except for the Mastercard Gold debit card. The Diverse, Exclusive and Elite plans have a Mastercard Gold debit card with no monthly fee or, in its absence, the card related to the earliest concluded debit card agreement.
7 The earliest issued credit card included in the service plan is free of monthly fee.
8 Getting a credit card depends on solvency. Joining a plan does not guarantee the issuing of a card.
9 The Elite plan also includes a Mastercard Premium credit card with no monthly fee or, in its absence, a Mastercard credit card or Picture credit card.
10 A plan member can be an adult who holds a current account with SEB. Please note that the services used by the members of the plan differ from those of the Exclusive and Elite Plan owners.
11 With the insurance cover in the event of trauma, you will be compensated if, due to an accident, you have suffered a health problem (trauma), due to which you have been required to visit an emergency medical department. The indemnity is paid for one such event in a calendar year and its occurrence must be proven by medical records. The indemnity is paid within two working days from the submission of the required medical documents. The customer does not need to conclude an insurance agreement to obtain this insurance cover. The insurance is valid from the day following the conclusion of the service plan agreement until the expiry of the agreement or until the member is removed from the service plan. The insurance cover in the event of trauma is provided by the Estonian branch of SEB Life and Pension SE. Please review the information document of the instant trauma insurance service and the insurance terms and conditions (incl. the limitations and exclusions therein) on the website of SEB.
12 There is no monthly fee for customers resident in Estonia and the European Economic Area who are using plans. Customers resident in another country who is using plans will be charged the full monthly fee.
13 The price of intra-bank and European payments via electronic channels (incl. standing payment orders, bank link payments) is 0.25 euros. The price of intra-bank payments made with a standing payment order is 0.08 euros and the price of a regular European payment is 0.19 euros.
14 For SEB Gold Customer, the Daily and Diverse plans have no monthly fee, the monthly fee for the Exclusive Plan is 25 % cheaper than the standard price list, i.e. it costs EUR 7.50/month.
15 As the owner of the Diverse Plan, the Gold Customer can add to the plan up to 2 members free of charge.
Service plans calculator
Frequently asked questions
The SEB service plan calculator will help you choose the service plan that best suits you. You can find further information about the features and terms and conditions of all service plans and conclude an agreement on our website and in the Internet Bank, as well as at a bank branch, if you wish.
The Youth Plan (with no monthly fee) applies children and young people (up to the age of 25) by default – no agreement is needed.
The prerequisite for subscribing to the Elite Plan is a valid SEB private banking customer agreement. Read more: www.seb.ee/en/private-banking
The monthly fee of the service plan is deducted from the bank account associated with the agreement within the first ten days of the month, generally on the fourth day. The service plan conclusion fee will be debited from the bank account associated with the agreement the day after the service plan agreement is signed. The new service plan will take effect on the same day. No monthly fee is charged for the month of concluding the service plan agreement.
You can terminate the agreement at any time in the Internet Bank or at a bank branch. If you terminate the agreement in the middle of the month, the bank is entitled to receive the monthly fee for that month in proportion to the days the agreement was valid.
Depending on their plan, the holder of the plan can withdraw cash free of charge from the ATMs of SEB in Estonia, Latvia, and Lithuania in the amount of up to 2,000 euros per month. If the limit for withdrawing cash specified in the plan is exceeded, the fee specified in the general price list will be applied to the amount by which the limit has been exceeded.
Up to two people can be invited to join the Diverse and Exclusive service plans, and up to four people can be invited to join the Elite service plan; the invitees must be adult private customers of SEB, such as family members or friends. No additional fee is charged for members who are invited to join the Exclusive and Elite service plans. The monthly fee for a member invited to join the Diverse service plan is 1 euro, paid by the service plan holder. A holder of the Diverse service plan who is a Gold Customer of SEB can invite up to two members to join the plan without an additional fee.
The list of the services applicable to a member of a plan is described under the plan type and may differ from the services provided to the plan holder. The details of the services available to the holders and members of service plans can be found on the website of SEB.
The service plan holder can add or remove members in the Internet Bank or at a branch office by concluding a new agreement or amending an existing one. The members invited will become members of the service plan when they have accepted the invitation.
Insurance cover in the event of trauma covers accidents that require a visit to an emergency medical department, and also applies to private customers abroad. The accident must be verified by a medical document issued by a doctor.
The amount of insurance cover offered by the Daily Plan is 50 euros, for the Diverse Plan, it is 100 euros, and for the Exclusive Plan, it is 200 euros, whereas the indemnity will be paid within two working days after submitting the required medical documents. The insurance indemnity will be paid for one accident per year.
The customer does not need to hold a credit card to rely on this insurance; similarly, they do not need to conclude a separate insurance agreement – a valid plan agreement is sufficient.
The terms and conditions of trauma insurance are available on the website of SEB.
In the case of a loss event, you can apply for a trauma insurance indemnity conveniently and quickly under the agreement of your plan in the Internet Bank (My plan -> Report a loss), via the insurance claim submission form on the website of SEB, or by visiting a branch of SEB.
To apply for the indemnity, the insured person must:
- go to the nearest emergency medical department as soon as possible;
- make sure they have access to their medical history from an emergency doctor; and
- provide the insurer with full information on the circumstances of the insured event and their medical history.
The indemnity will be paid to the SEB current account of the insured person indicated in the service plan contract within two working days after the insurer has received all the necessary documents. The insurance indemnity will be paid for one accident per year.
The monthly fee is not charged for the debit or credit card associated with the agreement concluded first.
Purchase insurance will be added to all SEB credit cards. In addition to purchase insurance, the holders of Premium, Gold, Platinum, and Word Elite credit cards will receive travel insurance for their family and, as an additional service of Mastercard, access to a business lounge if a flight is delayed as well as the option to use fast track security lanes at airports. More information about the services of the Premium credit card and the World Elite credit card is available on the website of SEB.
You need to apply for a credit card in the Internet Bank or at a branch office of the bank. A credit card is a credit product and its issuance depends on the solvency of the customer. Joining a plan does not guarantee that a credit card will be issued.
Premium travel insurance, WE travel insurance, and purchase insurance loss events can be reported on the website of SEB by filing a claim or in the self-service environment of PZU Kindlustus.
