Switch to mobile version. Top

VISA Picture card

VISA Picture card

  • An individual design payment card
  • For payments in Latvia and abroad
  • The customers of SEB bank can apply for it via the internet banking

For the VISA Picture card design, you can choose any of the images offered by SEB bank or a picture from your private gallery. It is also possible to apply for the Picture card as the credit card.

  • You can create an individual design for VISA payment as well as VISA credit card.
  • No commissions for your purchases of goods and services in Latvia and abroad
  • Use it for booking plane tickets and hotels
  • Handy for payments for your online purchases
  • Withdraw cash from ATMs and banks worldwide. If the amount is EUR 600 or less for all accounts in a calendar month, you can do it at no extra cost at the ATMs of SEB bank, DNB bank and Swedbank in Latvia, as well as at SEB Group ATMs in Estonia and Lithuania.
  • Get information about your account balance and the most recent transactions in the account beyond the bank's business hours – at SEB bank’s ATMs, through the internet banking or in an SMS;
  • Top up the balance on your current account by depositing cash in the SEB bank's cash depositing/dispensing ATMs.
  • Tie several additional cards to your current account (e.g., for your family members) and set an individual limit for cash withdrawals from ATMs for each card.
  • If necessary, you can withdraw cash at POS in shops at no extra cost;
    Read more about Cash disbursement
  • Get accident insurance only for 5.00 EUR a year.
  • Choose hockey club Dinamo picture for your Style card design here.
     

 

For the picture appearing on your Picture card you can use JPEG files up to 3 MB, the size of which is not less than 1600 × 1050 pixels.

Please note that the following pictures may not be selected:

  • Pictures of provocative or sexual nature;
  • Political material of any kind;
  • The pictures of national flags and symbols;
  • Racially insulting/prejudiced materials of all kinds;
  • Material that can offend cultural or religious values;
  • A portrait of an adult person including the cardholder, designed for the identification purposes;
  • Celebrities/musicians/athletes/representatives of entertainment industry/public figures;
  • Self-promotion of any kind (e.g. business card);
  • Offers including phone numbers or any type of services;
  • Belonging to groups that aim to be "socially unacceptable", including their activities, names or symbols;
  • Advertising or promotional material;
  • Competing brands;
  • Material that is protected by copyright;
  • Branded products and services, their abbreviations, acronyms or symbols of any kind;
  • All photos that can create situations when the card is not accepted at the point of sale or other problems appear;
  • All kinds of objects that can be used for fraud;
  • All items or processes that are inconsistent with the card's safety requirements;
  • All graphic design elements that can lead to violent attitude or mocks the card's brand;
  • Low quality pictures.
  1. If you already are the customer of SEB bank, you can create the desired design of you card via the internet banking by selecting any of the offered pictures in the gallery or by uploading your own picture.
  2. If you are not a customer of SEB bank yet, after opening of the current account at a branch of SEB bank, you'll be able to choose any of the offered pictures available in the gallery or create the card design via the internet banking.
  3. To receive the card, you will need to visit the bank in person, taking along your passport of ID.
Services Fees
Fee for preparing a card/additional card1 1.20 EUR
Fee for use of the card/additional card (per month)2 1.20 EUR
Replacing a card/additional card 9.00 EUR
Commission for purchase Free of charge
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: DNB bank and 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: DNB bank and 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 ATMs5 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 2%
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 when the renewed card/additional card is activated.

2 Charged starting from the second month of using the card/additional card.

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 changed PIN code is valid until the end of the validity period written on the card; upon card renewal a new PIN code is prepared.

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 I Interest-free credit limit II Credit line III Fixed payment8
Fee for preparing a card/additional card1 2.70 EUR 2.50 EUR 2.50 EUR
Fee for use of the card/additional card (per month)2 2.70 EUR 2.50 EUR 2.50 EUR
Replacing a card/additional card 18.00 EUR
Commission for purchase:
   •  in Latvia Free of charge
   •  abroad Free of charge
Cash withdrawal in another bank 1,5%, min 3.56 EUR
Cash withdrawal at ATMs of:
   •  SEB bank 1,5%, min 0.71 EUR
   •  SEB group (Estonia, Lithuania) 1,5%, min 0.71 EUR
   •  in Latvia: DNB bank and Swedbank 1,5%, min 0.71 EUR
   •  other banks 1,5%, min 3.56 EUR
Cash withdrawal at business operators' outlets 1,5%, min 0.71 EUR
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
Fee for the used credit limit (per year) 0% 21% (1,75% per month) 24% (2% per month)
Monthly repayment amount 100% 5% Fixed in compliance with the agreement
Late payment interest (per year) 36% (3% per month)
Contractual penalty (per year) 36% (3% per month)

Others charges and terms related to VISA Picture credit card

Transfer from a credit limit 1,5%, min 0.71 EUR
Reviewing a complaint3, 4 Free of charge
Change of PIN code in SEB bank’s ATMs5 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
Consideration of a loan application 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 2%
Calculation period 1 month
Payment period 14 days (starting from the 1st date of the 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 transactions within one calendar month includes purchased and cash withdrawal transactions of 5,000 EUR.

Total cash deposit limit in ATMs with all customer’s cards is 15,000 EUR per month.

A maximum of 200 banknotes can be deposited in an ATM in a single deposit transaction.

 


 

1 Charged when the renewed card/additional card is activated.

2 Charged starting from the second month of using the card/additional card.

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 changed PIN code is valid until the end of the validity period written on the card; upon card renewal a new PIN code is prepared.

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.

8 From December 2017 new cards with a fixed payment refund scheme are not offered.

S|E|B

Uzmanību! Jūsu pārlūkprogramma neatbilst SEB mājas lapas prasībām, lūdzu, atjaunojiet to vai izmantojiet citu ierīci lapas aplūkošanai.

Attention! Your web browser does not correspond to the requirements needed to visit SEB website. Please change web browser or device that you use for browsing the site.

Внимание! Ваш браузер не отвечает требованиям, необходимым для посещения сайта SEB. Просим поменять браузер или устройство, при помощи которого вы производите поиск в браузере.