Customer Benefit Programme
Customer Benefit Programme is a special offer for active users of our bank services, who receive their salaries to a SEB banka account. The programme consists of three different levels that offer various discounts and advantages.
Every customer of SEB banka may become a member of the programme by applying via internet bank or at any branch of SEB banka.
After applying for the programme, the conditions of the level that you conform to shall determine the discounts and advantages of the programme that you will receive. Meanwhile, as your habits of using the services of the bank change, your level of customer benefit programme will change as well.
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Programme participant |
Silver level |
Gold level |
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Discounts on certain services of the bank. You can find the list of services in the pricelist. |
Discounts on certain services of the bank. You can find the list of services in the pricelist. |
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In-depth consultations of bank experts |
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Priority queuing system at the branches of SEB banka for Mastercard Gold card users1 |
1 Priority queuing system means that you will be serviced as the next or one after the next customer at the branches of SEB banka.
Applicable to customers who have applied for the Customer benefit programme as of April 26, 2018
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Programme participant |
Silver level |
Gold level |
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Every customer of SEB banka without conditions |
Monthly income on the account starting from 1000 EUR |
Monthly income on the account starting from 1500 EUR |
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Customer Plan |
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At least one long-term saving product1 |
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1 Deposits with an original maturity of at least 1 year, the 3rd pillar pension, savings with private insurance.
How can I learn whether I have applied for the Benefit Programme and what the level of my participation is?
You can find out your Customer Benefit Programme membership status at the right side of the main page of your internet bank.
Can I apply for the programme even if I have not reached Silver / Gold level?
Yes, every customer may apply for the Customer Benefit Programme. Meanwhile the benefits of the Silver and Gold level will be applied as your habits of using the services of the bank change.
Why does my participant status change?
The level of Customer Benefit Programme changes depending on the changes in your habits of banking service use: the amount of regular monthly income on the account and the number and type of the banking services used. As they change, your level of Customer Benefit Programme will change as well.
What are the main advantages of the programme?
The main advantages of the programme include various discounts on daily banking services and the regular receipt of summarised information regarding news at the bank.
How can the priority queuing advantage be used at Gold level?
Every Gold customer who uses Mastercard Gold or Mastercard Platinum credit cards may use the priority queuing advantage at the branches of the bank.
In order to use the advantages of the priority queuing system, select the system Language -> For Gold and Platinum card customers and enter the first six digits of your Gold or Platinum card.
Where can I learn about what I am missing to reach the next level?
Find out, if you are a Customer Benefit program participant and what are your current level of benefits in our internet bank.
If you would like to take advantage of the Silver or Gold level, please find out the terms and conditions in our website.
| Services | Standard Fees | Fees for Silver level Customers | Fees for Gold level Customers |
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Monthly service fee for the Customer Plan |
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| Active Plan1 | 4.00 EUR | 3.60 EUR | 3.00 EUR |
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SMS bank2 |
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| SMS message (for each) | 0.13 EUR | 0.09 EUR | 0.09 EUR |
| E-mail message (for each) | 0.13 EUR | 0.09 EUR | 0.09 EUR |
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Credit cards |
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| Fee for utilised credit limit for credit cards3 in compliance with the credit line pricelist | 21% per year | 18% per year | 16% per year |
| Mastercard Gold cards: | |||
| • preparing fee | 3.60 EUR | 3.60 EUR | 1.80 EUR |
| • usage fee (monthly)4 | 3.60 EUR | 3.60 EUR | 1.80 EUR |
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Home loan |
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| Processing the loan (% of the loan amount) |
up to 1,5%, min 75.00 EUR |
up to 1%, min 75.00 EUR |
up to 0,5%, min 75.00 EUR |
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Life insurance with savings (guaranteed profitability) |
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| Administration costs for an insurance contract | 15.00 EUR | Free of charge | Free of charge |
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Life insurance with savings (in funds) |
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| Administration costs from contributions to insurance premiums (% from each premium) | Up to 1,3% | Up to 1,2% | Up to 1,2% |
| Administration costs from savings (% per year) |
Up to 1,32%, min. 1.95 EUR/per month |
Up to 1,2%, min. 1.95 EUR/per month |
Up to 1,2%, min. 1.95 EUR/per month |
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3rd pension pillar |
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| Commission fees from accumulated capital (% annually) | 1,4% | 1,2% | 0,9% |
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SEB mutual funds5 |
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| Purchase and regular payment order at a branch or in Internet bank:6 | |||
| • price group 3 (equity and alternative funds) | 0,75% | 0,7% | 0,6% |
| • price group 2 (bond, conservative, balanced and active strategy funds) | 0,5% | 0,45% | 0,4% |
The customer pays for other services according to the standard SEB bank’s General Price list for individuals.
1 The Active Plan additionally includes: use of all Credit Cards (except GOLD and World Elite) without a monthly fee during the entire duration of the plan.
2 The calculated commission for the received SMS messages is deducted once a day.
3 Mastercard Standard credit card, VISA Classic, Mastercard Classic, Mastercard contactless, Mastercard Gold, VISA Style credit card.
4 The fee applies starting with the second month of using the card.
5 The maximum allowed subscription fee is indicated in prospectus regulating SEB mutual funds. In cases when maximum allowed subscription fee indicated in the prospectus exceeds the fee indicated in the pricelist, the smallest fee will be applied. Regular payment orders or operations in Internet bank are possible only for those funds for which this function has been provided for in the annex of the fund prospectus.
6 Regular payment orders or operations in Internet bank are possible only for those funds that are publicly distributed by SEB and indicated in SEB bank's home page.