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Card inside wallet + mobile phone

Mastercard Standard

Paragraphs
Up to

30,000 euros

Credit limit

Up to

45 days

Access to a free credit period

Foreign travel insurance

covers all family members

It provides more than you expect

Secure payments. Apply remotely and receive card by post in a few days
Access to your own money and to the credit granted by the bank. If you are not using the bank’s money, you will not be charged for it.
At SEB ATMs you can change your card’s PIN with the one you prefer
The cardholder and family members travelling together are insured with foreign travel insurance free of charge.

Travel insurance is included

  • The cardholder and family members travelling together, as established in the Special Conditions of Insurance against Travel Financial Losses, are covered by foreign travel insurance free of charge.
  • Travel insurance is valid in all countries world-wide, other than Lithuania
  • Insurance cover applies to a cardholder and his/her family members travelling together
  • Insurance cover within a single trip applies for a period to 30 calendar days
  • The number of trips per year and time between trips are unlimited

Card payments

  • In the internet bank or mobile app you can set allowed transactions and spending limits for your cards.
  • For additional security of online purchases made with cards, you need also to connect to your internet bank, thus confirming your identity.
  • Contactless functionality makes small purchases simple and quick, without inserting your card in the POS terminal and entering the PIN code. Maximum amount of contactless payment is 150 euros. 

How to make your card payments or payments from card account even easier:

 

  • Transfer money in the mobile app to recipients from your phonebook
  • Set up standing orders and review them in the internet bank
  • Make payments with Android phone by creating a digital version of your card

 

Compare credit cards

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standard credit card

Mastercard Standard

  • Free of charge when using Sumanu Plus plan, otherwise - 1.60 euros a month
  • Credit limit up to 30 000 euros
  • Access to a free credit period up to 45 days
  • Foreign travel insurance, which covers all family members for up to 30 days

 

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Mastercard Gold

Mastercard Gold

  • 3.50 euros a month
  • Credit limit up to 30 000 euros
  • Access to a free credit period up to 45 days
  • Premium foreign travel insurance, which covers all family members for up to 90 days

  

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 MC World elite

Mastercard World Elite

  • 35 euros a month with special advantages, included
  • Travel insurance with an especially broad range of insured risks
  • Travel concierge service
  • Fast Track check-in at Vilnius, Riga and Tallinn international airports
  • Priority Pass – the opportunity to use business lounges at over 700 international airports
  • Car rental benefits, discounts and benefits in hotels all around the world

 

Get more for less with our service plans

With the Service plan SUMANU PLIUS you will have daily banking services and a credit card at 2.50 euros per month

  • Credit card without issuance and usage fees
  • Unlimited online payments in euro
  • Cash withdrawal up to 1000 euros per month (at SEB and at other Lithuanian and foreign bank ATMs) by a debit card

Service plan SUMANU PLIUS is a useful choice, if you are not only a daily banking services user, but also like to travel safely or use other advantages that a credit card offers.
 

Ways to repay the credit limit

You may choose between two ways to repay the credit limit:

5% variable payments:

  • 17% annual interest rate
  • Repayment of 5% of used credit limit until the selected day of monthly payment
  • Interest-free period for used credit card limit – up to 45 days. No interest applies if you repay the credit amount in full within 45 days (but no later than on the selected day of monthly payment)

Full credit repayment:

  • 14 % annual interest rate
  • Repayment of full used credit limit until the selected day of monthly payment
  • The interest is calculated from the first day of using the credit limit

In case you lost your card

If your card is lost or stolen, please block it immediately:

  • in the internet bank (section “Accounts/Cards” → “My cards”);
  • in the mobile app (in the Cards section, select your card and press Blocking);
  • at +370 5 268 2800 (I–V 8.00–20.00, VI 9.00–18.00, VII 9.00–16.00)

If your card is lost or stolen, please block it immediately:

Card issuance and service terms and conditions for its holders
Contactless Mastercard card type credit card
Possibility to hold your own funds in the card yes
Card validity 4 years
Card issuance EUR 3.00
Additional card issuance EUR 3.00
Urgent card issuance8 EUR 30.00
Card usage fee  EUR 1.60 per month1
Card renewal (upon expiry of the card validity) condition2
Maximum amount of total monthly payments and cash withdrawals4 EUR 20.000
Depositing of cash:
Depositing of cash into your own bank account in euros using SEB bank cash-in ATMs in Lithuania free of charge
Total monthly cash deposit limit for all customer accounts and linked cards EUR 10,000 per month limit
Fee, if an individual limit in excess of the standard limit is approved 0.07% of an amount exceeding EUR 10,000 per month
Cash withdrawal
At cash dispensing shops when paying by card an amount not less than EUR 5.00 free of charge from EUR 5.00 up to EUR 100
At ATMs of SEB Bank and other Lithuanian and foreign banks 2% (minimum EUR 3.00)
At a cash desk of another Lithuanian or foreign bank 2% (minimum EUR 5.79)
At partner6 points of sale (equipped with relevant technical means) 2.5% (minimum EUR 4.00)
Monthly statement provided:
On the Internet Bank free of charge
At a sub-branch of SEB Bank EUR 5.00
Credit drawdown fees and terms
Annual interest paid by a customer for the spent credit 17 % 14 %
Portion of the spent credit repayable on a monthly basis 5% of the spent credit (minimum EUR 7.24) 100 %
Free of charge credit period up to 45 days applicable not applicable
Other services
New / changed card dispatch by regular mail within Lithuania free of charge
New / changed card dispatch by registered mail within Lithuania EUR 1.45
New / changed card dispatch by regular mail to a customer abroad EUR 5.79
New card issuance in case of a card loss, damage, forgotten PIN code or in case a customer wishes to replace the card before its expiry date EUR 10.00
Checking the freely available balance of the card account at ATMs of SEB Bank and other Lithuanian or foreign banks5 free of charge
Currency exchange fee, if payment is made in other than the card account currency7 2.65%
Issuance of a copy of the document about the executed transaction, if payment has been made in Lithuania3 EUR 1.45
Issuance of a copy of the document about the executed transaction, if payment has been made abroad3 EUR 5.79
Fee for collecting a new / replaced credit card at the bank’s branch EUR 5.00
Fee for changing the credit limit on a credit card at the bank’s branch EUR 10.00

1 The fee is debited for the previous period on the 28th day of each card validity month. Upon early termination of the card agreement at the customer's request, the bank has the right to apply and debit the fee for the current month.
2 During the last month of the card validity, the card account balance must be 0 (zero) or positive. The card account has not been blocked due to overdue payment of a monthly instalment more than once during the recent 12 (twelve) months’ period.
3 These fees apply, if the customer wishes to receive documents evidencing the payment transaction by the card, and it turns out that the documents contain the cardholder's signature or any other data indicating that the cardholder has paid by the card.
4 The monthly limit for payments and cash withdrawal by a payment card applies for payments online and at points of sale and services, for funds transfer on the Internet bank, cash withdrawal at ATMs, cash desks of other banks, Perlas terminals as well as at cash dispensing shops.
5 Checking the account balance at ATMs of other Lithuanian and foreign banks, if such other banks have provided relevant technical means. Please note that ATMs display the freely available balance of a card account.
6 Cash withdrawal at the terminals of Perlas Finance, UAB.
7 For payment card holder transactions (e.g. payment at a point of sale or online, cash withdrawal at an ATM) by any VISA or MasterCard payment card, if the transaction currency is other than euro, the transaction amount is converted into euro according to the exchange rate set by VISA Europe or MasterCard International and valid on the day of the data processing. The relevant exchange rate applied by the international payment organizations is increased by the bank’s set 2.65% currency exchange fee.
8 This fee is added to the card / additional card issuance fee.

Calculation Sample of the Annual Percentage Rate of Charge (APRC)

If you obtain and use the credit limit of EUR 2,000 available in your credit card account, and the credit period makes 12 months, the total amount to be repaid by the borrower will make EUR 2,292.71 (if 5% fluctuating installment method is selected for the credit repayment) or EUR 2,311.86 (if the credit will be repaid in a lump sum).
The above specified amount includes interest accrued within the credit period (fixed interest rate of 17 per cent (if 5% fluctuating installment method is selected) or 14 per cent (if the credit will be repaid in a lump sum) has been applied in the calculation), the card issuance,  collecting card at the bank’s branch and card use fee (service fees of contactless credit card Mastercard Standard have been included in the calculation) and taking into consideration the selected credit repayment method and repayment day (15th day).

In such case, the annual percentage rate of charge makes 20.80 per cent (if 5% fluctuating installment method is selected for the credit repayment) or 16.75 per cent (if the credit will be repaid in a lump sum). The annual percentage rate of charge and the total amount to be repaid by the borrower has been calculated taking into consideration the selected credit repayment method and the repayment day and making assumptions that the amount of outstanding credit is repaid within 12 months, the bank and the customer fulfil their obligations under the credit agreement within a specified period of time, interest rate and other charges remain the same as they were on the date of entering into the agreement on credit limit, the bank disburses the total credit on the agreement signature date and such amount is not repaid by the credit maturity date.

Frequently asked questions

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 (“Accounts and cards” → “My cards” → “Block card”)
  • by calling SEB Bank at +370 5 268 2800 (24/7) or on Skype
     

Yes. You can order a new card in the Internet Bank section "Accounts and cards" → "New card". Debit cards are sent by post. We can send the card to your residential address, office address or anywhere else in Lithuania or abroad, wherever you usually stay or prefer to receive the card at. Sending by ordinary mail in Lithuania is free, by registered mail –1.45 euros. The fee for sending the card abroad is 5.79 euros.

You can view your card’s PIN code in the Internet Bank section "Accounts/Cards" → "My cards" → "View PIN code".

Yes. You can change the PIN code by using an ATM of SEB.

First you need to activate the card. You can do it either in mobile app or the Internet Bank:

  • in the mobile app (“Cards” → “Card”)
  • in the Internet Bank (“Accounts and cards” → “My cards” → “Activate card”)

Renewed cards can also be activated by using ATMs of SEB – insert the card, enter the PIN code and select "Card activation".

A daily limit for cash withdrawal at an ATM by a debit card is 2000 euros.
The total monthly limit for payments and cash withdrawal by a credit card is in the range of 5000 euros to 50 000 euros (the limit depends on the type of the credit card).

You can change cash withdrawal limits 
•    in the mobile app (“Cards” → “Settings and limits”)
•    in the Internet Bank (“Accounts and cards” → “My cards” → “Change details”)
•    by calling SEB Bank at +370 5 268 2800 (24/7) or on Skype
 

Which loan type is the most suitable for you?

Select the goal you wish to achieve and compare the available financing solutions.

Home purchase or construction

 

Home renovation and furnishing

 

Daily needs and larger purchases

 

Buying a car

 

Studying

 

Travelling