• In section 1.4 “Payment Cards”, we have removed the service of sending the card by registered post in Lithuania and the corresponding fee, as it is more popular to receive the card by regular post in Lithuania or at the bank's branch. The option of sending the card abroad (to another country) by post or collecting it at a the bank's branch remains
• In section 1.4 “Payment Cards” we have removed the fees for Priority Pass card, as in case of a change in the terms and conditions of the service, the fees are debited directly from the service provider
• In section 1.6 “Other Services” we have removed the possibility to obtain a standard certificate of travel insurance in Russian, and the description of the certificate fee has been adjusted accordingly

• In section 2.2 “Leasing”, the reference to Real estate tax is deleted, as this is not a tax imposed by the bank, but by the State, which is reimbursed to the bank by the customer. The obligation to reimburse the tax is described in the agreement
• In section “Prepayment Fee” of the section 2.3 “Home loan and home equity loan”, we have clarified the title of the type of interest. From now on, we will refer to both the interest that will be fixed for the entire credit period, as well as the interest that will be fixed for an agreed credit period (e. g., 5 years), as fixed interest. We are doing this in regards to the changes to the Republic of Lithuania Law on Real Estate Related Credit, which will come into force on 1 May 2025

• In section 3.3 “Securities Safekeeping”, we have added a free safekeeping of Lithuanian government defence bonds. Until now, this fee has not been applied, but this information has not been disclosed in the price list
• In section 3.4 “Other Services” we have deleted the service fee for the FOP (Free of Payment) and DVP (Delivery Versus Payment) transactions for the Russian-issuer securities, since we have not been providing services related to the acquisition of these securities for some time now

In the General rules, we have made the following changes:

• In Section 17, we have clarified the term “price list” and divided it into 3 parts: (i) Charges for daily services; (ii) Charges for financing services; (iii) Charges for investment services
• In Section 9, we have shortened the notice period for changes of some charges. From now on, we will notify the clients of changes to the fees for financing services and investment services 30 days before they come into effect (previously, we gave 60-day notice). With daily services, we will inform you of their changes, as well as changes in the General rules, the same as before, i. e., 60 days before they come into effect
• In Section 9, we have clarified and supplemented the reasons of why we may refuse to enter into, or terminate, the General Agreement with a client
• In Section 11, we have supplemented the concept of the digital wallet. The reason for this is that we are going to introduce Click to Pay, a digital wallet provided by Mastercard, that does not need to be linked to a smart device
• In Section 15, we have clarified and supplemented the cases where we take appropriate measures to ensure proper enforcement of sanctions. These cases may include: (i) you or transactions in your account are linked to a state or territory that is sanctioned or designated as a terrorist or prohibited state or territory; (ii) we cannot exclude the risk of a breach of sanctions
• We have added Section 8 to the Annex 3, “Rules for Conclusion and Conduct of Foreign Exchange Spot Transactions”: it explains how we determine the exchange rates for non-cash purchases and / or sales
• In Annex 4, “Rules Advisory Service”, we have slightly modified the description of the service and the conditions for its provision. We will no longer provide the advisory service on investment funds in Robo-Advisor service. This means that SEB clients will not be able to purchase fund units using the SEB mobile app. Clients will be able to receive investment recommendations on funds during consultations with the Bank employees. Also, the clients will continue to have access to the ETF portfolio management service provided by the Robo-Advisor on the SEB mobile app

We have also made the changes which are editorial in nature, i.e. we have presented the content in plain, understandable language, and have tried to use as little as possible of specific terms that might be unclear.

Read the new wording of the General rules. Learn more

• We have changed the name of the Service Plans Terms and Conditions for Private Customers. The new name is the Terms and Conditions for Service Plans for Private Clients

Read the new wording of the Terms and Conditions for Service Plans for Private Clients. Learn more

• We have changed the name of the Service Plans Terms and Conditions for Business Customers. The new name is the Terms and Conditions for Service Plans for Business Clients

Read the new wording of the Terms and Conditions for Service Plans for Business Clients. Learn more

• We have changed the name of the Description of  the Terms for the Provision of Services  on the Internet Bank. The new name is the Terms and Conditions for the Internet Bank
• We have also made the changes which are editorial in nature, i.e. we have presented the content in plain, understandable language, and have tried to use as little as possible of specific terms that might be unclear

Read the new wording of the Terms and Conditions for the Internet Bank. Learn more

• We have changed the name of the Terms and Condition of SEB Mobile Application. The new name is the Terms and Conditions for the SEB Mobile Application
• We have also made the changes which are editorial in nature, i.e. we have presented the content in plain, understandable language, and have tried to use as little as possible of specific terms that might be unclear

Read the new wording of the Terms and Conditions for the SEB Mobile Application. Learn more

• We have changed the name of the Terms and Conditions of SMS Notification Services. The new name is the Terms and Conditions for the SMS Service
• We have also made the changes which are editorial in nature, i.e. we have presented the content in plain, understandable language, and have tried to use as little as possible of specific terms that might be unclear

Read the new wording of the Terms and Conditions for the SMS Service. Learn more

• We have changed the name of the Financial Planner Service Rules. The new name is the Terms and Conditions for the Financial Planner
• The changes are editorial in nature, i.e. we have presented the content in plain, understandable language, and have tried to use as little as possible of specific terms that might be unclear

Read the new wording of the Terms and Conditions for the Financial Planner. Learn more

• We have made following change in the General part of Term Deposit Agreement – we have established our right to unilaterally terminate the agreement in the event of the death of the client. In this case, the deposit and the interest accrued until the date of termination of the deposit agreement are paid to the client's heirs
• We have also made the changes which are editorial in nature, i.e. we have presented the content in plain, understandable language, and have tried to use as little as possible of specific terms that might be unclear

Read the new wording of the Term Deposit Agreement. Learn more

• We have made following change in the General part of Savings Deposit Agreement – we have established our right to unilaterally terminate the agreement in the event of the death of the client. In this case, the deposit and the interest accrued until the date of termination of the deposit agreement are paid to the client's heirs
• We have also made the changes which are editorial in nature, i.e. we have presented the content in plain, understandable language, and have tried to use as little as possible of specific terms that might be unclear

Read the new wording of the Savings Deposit Agreement. Learn more

• The changes are editorial in nature, i.e. we have presented the content in plain, understandable language, and have tried to use as little as possible of specific terms that might be unclear

Read the new wording of the Securities Account Handling Agreement. Learn more

• We have changed the name of the Consumer Loan Granting Rules. The new name is the Terms and Conditions for the Consumer Loan
• The changes are editorial in nature, i.e. we have presented the content in plain, understandable language, and have tried to use as little as possible of specific terms that might be unclear

Read the new wording of the Terms and Conditions for the Consumer Loan. Learn more

• We have changed the name of the Leasing General Terms and Conditions. The new name is the Terms and Conditions for the Leasing
• The changes are editorial in nature, i.e. we have presented the content in plain, understandable language, and have tried to use as little as possible of specific terms that might be unclear

Read the new wording of the Terms and Conditions for the Leasing. Learn more

• We have changed the name of the Loan for Real Estate Purchase, without Collateral, Granting Rules. The new name is the Terms and Conditions for the Loan for Real Estate without Collateral
• The changes are editorial in nature, i.e. we have presented the content in plain, understandable language, and have tried to use as little as possible of specific terms that might be unclear

Read the new wording of the Terms and Conditions for the Loan for Real Estate without Collateral. Learn more