With a Mastercard Debit payment card you can
- Use the contactless payment functionality to make purchases of up to 150 euros simply and quickly, without inserting the card in the POS terminal and entering the PIN
- Use the card’s digital version to set up payments with Android smartphone
- Purchase goods and services in Latvia, abroad and online without commission fees. Book plane tickets and hotel rooms
- Withdraw cash at various places of trade in Latvia at no extra cost
- Withdraw cash from ATMs and banks worldwide, as well as deposit cash at the ATMs of SEB
- View your account balance and transactions in the mobile app, internet bank or ATMs of SEB
- Link additional cards with custom limits to your current account, for example, for your family members.
Debit card for children and teenagers
Mastercard Junior payment card
- Free of charge
- Contactless payments
- Possibility to withdraw cash from ATMs
- Modern mobile app for card limit changes and money requests
What to do if your payment card is lost or stolen?
- Block your card immediately in the internet bank, mobile app or by calling us at +371 26668777
- Order a new card in the internet bank and receive it by post or to a parcel machine in Latvia
- If you need a card immediately, consider applying for a temporary card
Frequently asked questions
For security purposes, contactless payment functionality will be activated after you confirm your very first payment with the specific card with its PIN code. You can modify the contactless payment limits according to your daily needs and habits. Upon reaching this limit in one or several payments, the next purchase will need to be confirmed with the PIN regardless of the payment amount. This limit can be changed:
- in the mobile app (“Cards” → “Settings and limits”)
- in the internet bank (“Cards” → “My cards” → “Limits and Settings”)
In case you don’t use contactless payments, we suggest disabling this functionality for security purposes.
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 card”)
- by calling SEB at +371 26668777 (24/7)
Yes. You can order a new card in the internet bank section "Cards" → "New card". Cards are sent by post to your residential address, office address or anywhere else in Latvia or abroad, wherever you usually stay or prefer to receive the card at. The fee for sending card by mail in Latvia is 1 euro. The fee is not applied to customers under the age of 21, as well as to persons who have become a customer of SEB remotely (using a mobile app). The fee for sending the card abroad is 10 euros. You can also receive the card to an Omniva parcel machine in Latvia. The commission fee for sending a card to a parcel machine is 2.30 euros.
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 enter a wrong PIN three times in a row when making a purchase, the card will be automatically blocked for security purposes.
In such case, please contact the bank by writing a letter in the internet bank to request the card to be unblocked. Afterwards you can unblock the card at any ATM by entering the correct PIN code.
Remember that you can view your card’s PIN code in the internet bank. If necessary, you can change the PIN code using an ATM of SEB.
First you need to activate the card in one of these ways:
- in the mobile app (“Cards” → “Activate your new card” → “Activate”)
- or in the internet bank (“Cards” → “My cards” → “Activate card” and enter the last 5 digits of your new card’s number)
Renewed cards can also be activated by using ATMs of SEB – insert the card, enter the PIN code and select "Card activation".
The default daily limit for cash withdrawals at an ATM with a debit card is 1500 euros, but you can freely increase this limit up to 2200 euros:
- in the mobile app (“Cards” → “Settings and limits”)
- in the internet bank (“Cards” → “My cards” → “Limits and Settings”)
Please note that a commission fee is applied if you withdraw more than 750 euros during a month.
The design of the new payment and credit cards was inspired by the unique landscapes of the Nordic region. Each card has a different theme. For example, the debit cards for private individuals feature the Baltic Sea, while the business credit cards depict an evergreen forest.
In addition, 84% of the new card is made of bioplastics, produced using environmentally friendly corn starch. Thus, we reduce our CO2 footprint right from the start of production.
In our search for a greener way to produce payment cards, we analysed the full life cycle of the card – from the materials used in production, through the manufacturing process and transportation, to the end of the card's life cycle.
At the same time, it was important for us to find a material that was not only environmentally friendly, but also durable and safe. The bioplastic cards are tested and certified by the card manufacturer. The manufacturer assures that the payment cards will withstand a full life cycle. However, we remind you that the customer and the cardholder have a duty to safeguard the card and use it with care protecting it from mechanical or electronic damages.
The new cards are chip-enabled and can be used for contactless payments, just like the existing ones.
We've added a tactile cut-out to the most commonly used payment cards. This makes it easier for people with visual impairments to recognise and use the cards.
You will notice that we have already replaced your card image with the new design in the SEB mobile app, internet bank and digital wallets. Whereas, as to the plastic cards, we'll replace them gradually – when your current card expires, we'll automatically make you a new design card. This can lead to situations where you see an image of the new design card next to your existing old design card in the internet bank or on the mobile app.
You don't need to apply for a new card or take any other action – our existing cards will remain in operation as usual. When your card is about to expire, we will automatically produce and send you a new design card.
However, if you want to use the new design card now, you can replace the card or apply for a new card. Whereas, if you use a credit card, you can apply for additional card and then close your existing credit card.
Please note that charges apply for replacing a card, applying for a new card and ordering an additional card according to the price list.
We have introduced a new visual design for our cards, including the existing Mastercard Gold credit card. Furthermore, we have changed the name of the card to Mastercard Premium.
You will notice in the SEB mobile app, internet bank and digital wallets that we have already replaced your card image with the new design and changed the name of the card. Whereas, as to the plastic cards, we'll replace them gradually – when your current card expires, we'll automatically make you a new design card. This can lead to situations where you see an image of the new design card next to your existing old design card in online banking section or on the mobile app.
You don't need to apply for a new card or take any other action – your existing Mastercard Gold credit card will remain in operation as normal. When your card is about to expire, we will automatically produce and send you a with the new design and name.
Manage your card in the app
More about debit cards
| Service | Fee |
|---|---|
| Fee for preparing a card, if activated in a bank or by calling the customer’s centre | 5.00 EUR |
| Fee for preparing a card, if activated in the internet bank, mobile app or ATM | 1.40 EUR |
| Fee for use of the card (per month)1 | 1.40 EUR |
| Replacing a card | 6.00 EUR |
| Commission for purchase | Free of charge |
| Cash withdrawal in another bank | 2%, min 3.00 EUR |
| Cash withdrawal at ATMs of: | |
|
Free of charge |
|
0,55% of transaction amount |
|
2%, min 3.00 EUR |
| Cash withdrawal at business operators' outlets | Free of charge |
| Cash deposit at SEB bank’s ATM: | |
|
Free of charge |
|
0,1% of transaction amount |
| Others charges and terms related to Mastercard contactless debit card | |
| Fee for sending a card by mail in the territory of Latvia | 1.00 EUR |
| Fee for sending a card to abroad | 10.00 EUR |
| Fee for sending card to a parcel machine in Latvia | 2.30 EUR |
| Reviewing a complaint2, 3 | 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 |
| Change of card transaction limit within SEB bank's standard limit (in person)4 | 5.00 EUR |
| Change of card transaction limit above the standard maximum limit set by SEB bank4 | 10.00 EUR |
| Checking the account balance through ATMs of: | |
|
Free of charge |
|
0.45 EUR |
|
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% |
Total cash deposit limit in ATMs with all customer’s cards is 7,000 EUR per month.7
Customers until 18 years of age get the same price and limits as applied for Mastercard Junior debit card.
For other services (current account maintenance, transactions in the account, processing of the customer’s documents etc.) which SEB bank provides to the customer in relation to payment card servicing, the customer pays in accordance with SEB bank’s General Price list for individuals.
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 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.
3 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.
4 Includes changes in POS, ATM and monthly spending limits.
5 If the card is ordered on business day by 12:00, it will be available at the Rīdzene customer service point on the same day after 16:00. If the card is ordered after 12:00, it can be received at Rīdzene on the next business day after 16:00.
6 Information about exchange rates is available on the home page of International card organizations
https://www.mastercard.com/global/currencyconversion/index.html
7 SEB bank has the right to unilaterally reduce or increase the cash deposit limit upon evaluation of the Customer's business and personal activities.
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