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Visa Classic

Visa Classic

A popular payment card in many countries

  • You can make payment at usual points of sale anywhere in the world and online, book a hotel or rent a car
  • If necessary, currency is converted automatically if payment is made by card
  • Using ATMs, you can withdraw or deposit cash from/to your account

You receive income in Lithuania but regularly go abroad? Order this card and you will be able to pay conveniently at every place which accepts Visa cards.

With this debit card you can:

  • receive salary and other types of income to the account tied to the card
  • pay for products or services in Lithuania and abroad
  • make payment both at usual points of sale and e-shops
  • withdraw cash from SEB bank and other Lithuanian and foreign bank ATMs as well as shops which dispense cash
  • deposit cash to your bank account free of charge using SEB cash deposit machines in Lithuania
  • at SEB ATMs you may now safely change your card PIN to the one you like

You can choose a Visa Classic credit card.


For more detailed information about payment cards, their issuance and use terms as well as applicable fees please contact us 24/7 line at +370 5 268 2800 or visit a SEB bank unit of your choice.

Issuance and service terms
Visa Classic Card type debit credit credit
Card account currency Euro Euro Euro
Own funds may be held in the card account yes yes yes
Card validity 4 years 4 years 4 years
Card issuance EUR 5.00 EUR 5.00 EUR 5.00
Additional card issuance EUR 5.00 EUR 5.00 EUR 5.00
Urgent card issuance8 EUR 30.00 EUR 30.00 EUR 30.00
The card usage fee (per card) EUR 0.70 per month2 EUR 1.45 per month2 EUR 1.45 per month2
Card renewal (upon expiry) condition3 condition3 condition3
Cash withdrawals:
at the shops offering the cash disbursement service if payment for goods by card makes at least EUR 5 from EUR 5
to EUR 100 free of charge
from EUR 5
to EUR 100 free of charge
from EUR 5
to EUR 100 free of charge
SEB bank customer service sub-branches4
SEB bank and other Lithuanian and foreign bank ATMs 0.8 % (at least EUR 1.00) 2 % (at least  EUR 3.00) 2 % (at least  EUR 3.00)
at other Lithuanian and foreign bank cash departments 2 %
(at least EUR 5.79)
2 %
(at least EUR 5.79)
2 %
(at least EUR 5.79)
in partners‘7 venues (where it is technically possible) 0.8 % (at least EUR 1.50) 2.5 % (at least EUR 4.00) 2.5 % (at least EUR 4.00)
Maximum daily cash withdrawal from ATMs per card EUR 2,000.00 EUR 2,000.00 EUR 2,000.00
Number of cash withdrawals a day from ATMs per card 7 7 7
Monthly statements can be submitted:
by regular mail EUR 1.45 EUR 1.45 EUR 1.45
by e-mail free of charge free of charge free of charge
at the online banking site free of charge free of charge free of charge
at a SEB bank unit EUR 5.00 EUR 5.00 EUR 5.00
Rates and terms for credit drawdown
Card credit limit from EUR 300.00
to EUR 6,000.00
Annual interest on credit drawdown 17 %
Monthly credit repayment instalments (unless provided otherwise) 5 % of drawn down credit (at least
EUR 7.24)
Free-of-charge credit maturity up to 45 days valid
Fee for a delay to pay the required instalment
Transfer of credit instalments at the client’s request EUR 2.90.00
Annual interest charged to the client for exceeding the credit limit or the debit balance (for cards without a credit) 30 % 30 %
Other services
Sending a new / renewed card to client by regular post in Lithuania free of charge
Renewed card collected at SEB bank unit EUR 2.00 free of charge free of charge
Sending renewed card to client by courier post in Lithuania EUR 1.45
Sending a new / renewed card to client by regular post to another country EUR 5.79
Sending a newly produced card to a customer abroad EUR 5.79
Card blocking in case of lost/stolen card free of charge free of charge free of charge
Issuing new card if the old one is lost/stolen/ damaged, if new PIN is issued or at cardholder's request before its expiry date (e.g., change of the cardholder’s name, surname, etc.) EUR 5.00 EUR 8.69 EUR 8.69
Account balance at SEB and other Lithuanian and foreign banks6 free of charge free of charge free of charge
Currency exchange fee in case of operation in other than the card account currency 2.65 % 2.65 % 2.65 %
Urgent sending of card to another country (in case of card loss) EUR 101.37 EUR 101.37
Urgent money disbursement in foreign country (in case of card loss) EUR 101.37 EUR 101.37
Obtaining a copy of the receipt in case of payment in Lithuania5 EUR 1.45 EUR 1.45 EUR 1.45
Obtaining a copy of the receipt in case of payment abroad5 EUR 5.79 EUR 5.79 EUR 5.79

1 Currently, no new Visa Classic (in USD) cards are issued. The terms and rates are applicable to previously issued and still valid Visa Classic cards.

2 The charge is debited for the previous period on the same date of the each month of the card validity period. If the card agreement is terminated prior to maturity on the customer’s request, the bank shall be entitled to apply and debit the fee for the current month.

3 On last month of the card validity, the balance of funds in the card account may be equal to 0 (zero) or positive.

4 Cash is disbursed from the customer’s bank account to which it is transferred from the customer’s payment card account.

5 These fees are applied only in such case, if the customer is willing to receive the documents confirming the payment transaction by card and if identified that they include the cardholder’s signature or other data specifying that the cardholder paid by card.

6 If other banks have provided such technical functionality.

7 Cash withdrawals from the terminals of “Perlas” lottery organised by UAB “Perlo paslaugos“.

8 This fee is added to the card / additional card issuance fee.

Example of calculating the annual percentage rate of charge

If you are issued an EUR 1,450.00 credit in your credit card account at 48 months’ maturity, the total amount payable by the consumer would be EUR 1,865.85.

The amount has been calculated including interest (the calculation has been made using a 17 per cent fixed interest rate) paid over the credit period, card issuance and card usage fee.

In this case, the annual percentage rate of charge is 20.22 per cent.

The annual percentage rate of charge and the total amount payable by the consumer have been calculated assuming that the credit agreement will be effective throughout its agreed period, the bank and the customer will be fulfilling their obligations under the credit agreement at agreed terms, the interest rate and other fees will remain the same as they were at the time of concluding the credit agreement and will be applied further until expiry of the credit agreement, the bank disburses the entire credit amount to the customer on the day of concluding the credit agreement, and this amount is not repaid before expiry of the credit limit draw-down period. 

For more information about the applicable terms and conditions as well as rates please contact us 24/7 at +370 5 268 2800 or visit any SEB Bank unit at your choice.

Please note that:

 


For more detailed information about payment cards, their issuance and use terms as well as applicable fees please contact us 24/7 line at +370 5 268 2800 or visit a SEB bank unit of your choice.

What is the currency of this card?

The currency of the card is euro because the debit card is linked to your bank account denominated in euro.

How is one currency exchanged with another currency, when a transaction is made using this card?

In case of a transaction in VISA payment card, the card account currency is automatically converted into the transaction currency according to the rate of exchange established by VISA International, effective on the day of the data processing. Additionally to the applied currency exchange rate, the bank’s 2.65 per cent currency exchange fee is added.

When is money credited to the account linked to a card if it is transferred from another account at SEB bank?

Money within SEB bank transferred from one bank or credit card account to a bank account linked to this debit card is credited immediately regardless of the time of transfer.

 


For more detailed information about payment cards, their issuance and use terms as well as applicable fees please contact us 24/7 line at +370 5 268 2800 or visit a SEB bank unit of your choice.


For more detailed information about payment cards, their issuance and use terms as well as applicable fees please contact us 24/7 line at +370 5 268 2800 or visit a SEB bank unit of your choice.

A payment card may be ordered in one of the following two ways:

  1. by logging in to our internet bank, completing and confirming an electronic application (Accounts and cards → Payment cards → Credit Card application)
     
  2. by arriving at the SEB bank unit of your choice, completing a payment card application and submitting it together with an identity document to a bank employee.  Any foreign citizen submitting the debit card application in addition to the personal identity card will be requested to submit:
  • certification or an employment contract issued by a legal entity registered in Lithuania, specifying the employer/ educational institution of the person
  • residence permit (temporary or permanent) in the Republic of Lithuania
  • documents proving that his/her family member (i.e., a spouse, child under 18-years of age, parents) or a person considered to be equivalent to a spouse is a citizen of the Republic of Lithuania or a foreign citizen holding a residence permission (temporary or permanent) in Lithuania or employed  / studying in the Republic of Lithuania
  • other documents proving relations with the Republic of Lithuania

After 5 working days, a new debit card:

  • can be collected by you at the bank unit specified in your application
  • can be sent by mail if you have chosen this service during the completion of your card application

For more detailed information about payment cards, their issuance and use terms as well as applicable fees please contact us 24/7 line at +370 5 268 2800 or visit a SEB bank unit of your choice.

Contact

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