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- Daily banking
- Payment cards
- Cards for youth (aged 7-17)
Cards for youth (aged 7-17)
- The payment card is available for children aged 7 and above
- The Contactless card, Junior card or the Picture card can be applied for
- The child's money will always be safe, even if the card is lost
The Contactless card, Junior card or the Picture card will be your child’s first payment card. The child will be able to use it to pay for their purchases in shops, for withdrawing cash from ATMs, as well as for online shopping. First card is without monthly fee.
You can apply for card at any branch of SEB bank; you will need to present your passport/ID card, as well as the child's birth certificate and passport (if such has been issued). If the child is at least 16 years old, he can apply for the card without parents.
Advantages for children:
- Handy payments for purchases in Latvia and abroad
- SMS banking allows receiving an SMS as soon as any changes occur to the account
- Cash can be withdrawn from ATMs
- Quick online shopping
- The Picture Card helps highlight the child's individuality
Advantages to parents:
- There is an option to set daily and monthly limits for the card for simpler management of the pocket money
- Apply for a standing order via your internet banking, which will always allow you to take care in good time that the necessary amount of money would always be in your child's account
- You can monitor your child’s spending and the amount thereof simply and quickly via the internet banking
- If necessary, you can quickly transfer extra money to your child’s account
- By using the card and making payments with it, the child will become more independent financially
When you design a payment card, you can also apply for accident insurance for only 5.00 EUR p.a.
What you should know when applying for the card for your child?
- The contactless and Junior card for your child will be made within 5 working days, and no monthly fee will be charged for the use thereof.
- Picture card will be made within 5 working days and will be issued at the price indicated in the bank’s price list. For the card, you can use a picture of your own or select any picture from the Picture card catalogue at the bank’s branch.
- The card is valid for 4 years (for 3 years for Picture card), and upon the expiry of the card the bank will automatically make a new card.
- Upon connecting the SMS banking, your child will receive an SMS from the bank notifying of the card’s expiry date and receiving of the new card at the specified branch of the bank.
How to apply for and receive the card?
- For children aged 7 -15 years (inclusive), the card for the child shall be applied for and received and the internet bank access data shall be given by the child’s representative (juniors aged 15 are required to identify themselves with the passport or ID card).
- Children aged 16 and older shall apply for the card and provide Internet bank access data themselves, and receive the card themselves, upon presenting their personal identification document (their passport or ID card.
What children should know about the use of the card
Before you entrust using of the card to your child, talk through all security aspects with him/her, tell him/her what to do if he/she loses the card. You should keep you card in a safe place, memorise the PIN of the card and must not disclose it to anyone, nor keep it written on a piece of paper together with the card or in the memory of your mobile phone.
- Treat your card with care – a damaged card can become invalid. If you have lost your card or if it has been stolen, it needs to be blocked immediately. You can do that by calling the 24/7 helpline of SEB bank +371 26668777 (it is best that this number is saved in the child’s phone). The card will be blocked, and the money in the account will stay safe. If the card is found after the bank has already been notified of the loss of the card, do not use the card and contact the bank again.
- Bear in mind the rules of a safe use of the card when making online purchases. Make sure that you use the services of only certified online shops and service providers.
- For added security of the funds held in your current account, the bank has set transaction limits.
- If you enter a wrong PIN in the POS terminal three times consecutively, the card will be automatically blocked for security reasons. You can unblock the card at ATMs, by entering the correct PIN.
Latviski
Pretenzija par pirkumu vai skaidras naudas izņemšanu no SEB ATM
Pretenzija par skaidras naudas iemaksu SEB ATM
Русский
Претензия o покупке или снятие наличных денег из SEB ATM
Претензия o взносe наличных денег в SEB ATM
English
Latviski
Norēķinu kartes līguma noteikumi fiziskām personām
Pretenzija par pirkumu vai skaidras naudas izņemšanu no SEB ATM
Pretenzija par skaidras naudas iemaksu SEB ATM
Русский
Расчетные карты условия договора для физических лиц
Претензия o покупке или снятие наличных денег из SEB ATM
Претензия o взносe наличных денег в SEB ATM
English
Payment card agreement terms and conditions for private persons
| Services | Fees | |
|---|---|---|
| Fee for card preparing1 | 1.20 EUR | |
| Fee for use of the card (per month)2 | Free of charge | |
| A monthly fee for the use of card after reaching the age of 18 years | 1.20 EUR | |
| Replacing a card | 2.85 EUR | |
| Commission for purchase | Free of charge | |
| Change of the card transaction limit3 | 5.00 EUR | |
| Cash withdrawal in another bank | 1,5%, min 2.13 EUR | |
| Cash withdrawal at ATMs of: | ||
|
Up to 600 EUR within one calendar month for the customer's all accounts • SEB bank • SEB group (Estonia, Lithuania) • in Latvia: Swedbank |
Free of charge | |
|
Exceeding monthly expenses of 600 EUR within one calendar month for the customer's all accounts • SEB bank • SEB group (Estonia, Lithuania) • in Latvia: Swedbank |
0,2% of transaction amount | |
| • other banks | 1,5%, min 2.13 EUR | |
| Cash withdrawal at business operators' outlets | Free of charge | |
| Cash deposit at SEB bank’s ATM: | ||
| • up to 6,000 EUR within one calendar month for all customer's accounts | Free of charge | |
| • upon exceeding monthly credits of 6,000 EUR for all customer's accounts | 0,1% of transaction amount | |
|
Others charges and terms related to MasterCard Junior debit card |
||
| Reviewing a complaint4, 5 | Free of charge | |
| Change of PIN code in SEB bank’s ATMs | Free of charge | |
| Fee for unblocking PIN code of a card in SEB bank’s ATMs, if the PIN has been entered incorrectly for 3 consecutive times while using POS terminal | Free of charge | |
| Checking the account balance through ATMs of: | ||
| • SEB bank | Free of charge | |
| • other banks in Latvia | 0.45 EUR | |
| • other banks abroad | 1.00 EUR | |
| Fee for urgent card issue6 | 30.00 EUR | |
| Surcharge on currency exchange when the currency of the card’s main account is not that of the transaction currency7 | 3% | |
| Calculation period | 1 month | |
For other services (current account maintenance, transactions in the account, cash operations, processing of the customer’s documents etc.) which SEB bank provides to the customer in relation to SEB bank's payment card servicing, the customer pays in accordance with SEB bank’s General Price list for individuals.
The limit of cash withdrawal from ATMs within a period up to 24 hours for users of MasterCard Junior debit card is 70 EUR.
Total cash deposit limit in ATMs with all customer’s cards is 15,000 EUR per month.
The limit of purchases within a period up to 24 hours for users of MasterCard Junior debit card is 1,000 EUR.
A maximum of 200 banknotes can be deposited in an ATM in a single deposit transaction.
1 Charged when the new or renewed card is activated.
2 Upon reaching the age of 18 years, a monthly fee for the use of MasterCard Junior is applied.
3 Includes changes in POS, ATM and monthly spending limits above the standard maximum limit set by Bank.
4 If processing of the complaint involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
5 Application shall be deemed received by us:
• on the current working day if the application is submitted and received before 16:00;
• on the next working day if the application is submitted after 16:00.
In case working day is shortened according to the law, the above deadline shall be one hour prior to end of the shortened working day.
6 The card can be received at SEB bank’s branch "Dienvidu" at 16:00 of the same business day, if application has been submitted by 12:00, and at 16:00 of the next business day, if application has been submitted after 12:00.
7 Information about exchange rates is available on the home page of International card organizations
https://www.mastercard.com/global/currencyconversion/index.html and http://www.visaeurope.com/en/cardholders/exchange_rates.aspx.
| Services | Fees | |
|---|---|---|
| Fee for preparing a card/additional card | 1.20 EUR | |
| Fee for use of the card/additional card (per month)1 | 1.20 EUR | |
| Replacing a card/additional card | 9.00 EUR | |
| Commission for purchase | Free of charge | |
| Change of the card transaction limit2 | 5.00 EUR | |
| Cash withdrawal in another bank | 1,5%, min 2.13 EUR | |
| Cash withdrawal at ATMs of: | ||
|
Up to 600 EUR within one calendar month for the customer's all accounts • SEB bank • SEB group (Estonia, Lithuania) • in Latvia: Swedbank |
Free of charge | |
|
Exceeding monthly expenses of 600 EUR within one calendar month for the customer's all accounts • SEB bank • SEB group (Estonia, Lithuania) • in Latvia: Swedbank |
0,2% of transaction amount | |
| • other banks | 1,5%, min 2.13 EUR | |
| Cash withdrawal at business operators' outlets | Free of charge | |
| Cash deposit at SEB bank’s ATM: | ||
| • up to 6,000 EUR within one calendar month for all customer's accounts | Free of charge | |
| • upon exceeding monthly credits of 6,000 EUR for all customer's accounts | 0,1% of transaction amount | |
|
Others charges and terms related to VISA Picture debit card |
||
| Reviewing a complaint3, 4 | Free of charge | |
| Change of PIN code in SEB bank’s ATMs | Free of charge | |
| Fee for unblocking PIN code of a card in SEB bank’s ATMs, if the PIN has been entered incorrectly for 3 consecutive times while using POS terminal | Free of charge | |
| Checking the account balance through ATMs of: | ||
| • SEB bank | Free of charge | |
| • other banks in Latvia | 0.45 EUR | |
| • other banks abroad | 1.00 EUR | |
| Fee for urgent card issue5 | 30.00 EUR | |
| Surcharge on currency exchange when the currency of the card’s main account is not that of the transaction currency6 | 3% | |
| Calculation period | 1 month | |
For other services (current account maintenance, transactions in the account, processing of the customer’s documents etc.) which SEB bank provides to customers in relation to payment card servicing, the customer pays in accordance with SEB bank’s General Price list for individuals.
The limit of cash withdrawal from ATMs within a period up to 24 hours for users of VISA Picture debit card is 1,500 EUR.
Total cash deposit limit in ATMs with all customer’s cards is 15,000 EUR per month.
The limit of purchases within a period up to 24 hours for users of VISA Picture debit card is 4,000 EUR.
A maximum of 200 banknotes can be deposited in an ATM in a single deposit transaction.
1 Charged starting from the second month of using the card/additional card.
2 Includes changes in POS, ATM and monthly spending limits above the standard maximum limit set by Bank.
3 If processing of the complaint involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
4 Application shall be deemed received by us:
• on the current working day if the application is submitted and received before 16:00;
• on the next working day if the application is submitted after 16:00.
In case working day is shortened according to the law, the above deadline shall be one hour prior to end of the shortened working day.
5 The card can be received at SEB bank’s branch "Dienvidu" at 16:00 of the same business day, if application has been submitted by 12:00, and at 16:00 of the next business day, if application has been submitted after 12:00.
6 Information about exchange rates is available on the home page of International card organizations
https://www.mastercard.com/global/currencyconversion/index.html and http://www.visaeurope.com/en/cardholders/exchange_rates.aspx.
