SEB review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
SEB suits Swedish customers who want one bank for a Mastercard debit card and a credit card with travel perks. You pay a monthly fee of SEK 50 on the debit card, and the credit card costs an annual fee of SEK 295 at 15.98%.
Key facts
- Best for
- A Swedish bank account for everyday spending with a Mastercard debit card.
- Monthly fee
- SEK 50 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- Skandinaviska Enskilda Banken AB (publ) (Source, checked September 26, 2026)
- Founded
- 1856 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Features
- Travel
- Official website
- seb.se
Credit cards
- Annual fee
- SEK 295 (Source, checked September 26, 2026)
- APR
- 15.98% (Source, checked September 26, 2026)
- Rewards type
- None (Source, checked September 26, 2026)
- Perks
- Travel insurance, Purchase protection, Price protection (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Skandinaviska Enskilda Banken AB (publ) (Source, checked September 26, 2026)
- Founded
- 1856 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Features
- Travel
Apps and profiles
- Elsewhere
- Wikidata
Pros and cons
Pros
- The debit card runs on mastercard, a network accepted widely outside Sweden.
- Travel is a listed feature (travel), and the credit card adds travel insurance, purchase protection and price protection (travel insurance, purchase protection and price protection).
- Help is available on phone, email and help centre, so you can pick up the phone rather than rely on an app.
- The bank behind the card, Skandinaviska Enskilda Banken AB (publ), was founded in 1856.
Cons
- The debit card carries a monthly fee of SEK 50, while the site median for debit cards is €0.
- The credit card's rewards type is none (none), and it charges an annual fee of SEK 295 at an APR of 15.98%.
Who it suits
- Customers in Sweden who want a single bank for a Mastercard debit card plus a credit card.
- Travellers who value travel insurance, purchase protection and price protection on the credit side (travel insurance, purchase protection and price protection).
- People who prefer phone, email and help centre support (phone, email and help centre) to chat-only help.
Who should look elsewhere
- Wise, whose monthly fee is £0 against SEK 50 on the SEB debit card, if keeping the running cost as low as possible matters most.
- The Chime Card (Secured Visa Credit Card), whose monthly fee is $0, if you would rather avoid a recurring card charge.
How SEB compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 9.2
9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 9.0
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 9.6
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
- 9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.0
9.2 vs 8.0
Frequently asked questions
How much does the SEB debit card cost each month?+
The debit card carries a monthly fee of SEK 50. That is the running cost on the spending card, separate from the credit card's annual fee of SEK 295. For comparison, the site median for debit cards is €0.
What does the SEB credit card cost to borrow?+
The credit card charges an annual fee of SEK 295 with an APR of 15.98%. It is a credit card, so balances are repaid rather than taken straight from your bank account. The site median APR is 20.97%, which gives you a benchmark for the rate you would be signing up for.
What kind of card is the SEB debit card and whose network runs it?+
The card type is debit and the network is mastercard, so payments come straight out of your SEB account with no borrowing involved. The same bank also offers a credit card, which costs an annual fee of SEK 295.
What protection comes with the SEB credit card?+
The credit card carries travel insurance, purchase protection and price protection, which SEB lists among its perks (travel insurance, purchase protection and price protection). That cover sits with the credit side of the offer, while the debit card's listed feature is travel (travel), so a traveller gets more from the credit card.
Does the SEB credit card earn any rewards?+
No. The rewards type is none (none), so the credit card leans on its perks rather than cashback or points. Cashback cards account for 49.5% of the brands on the site, so this card sits outside that pattern.
How do you get help from SEB?+
Support runs on phone, email and help centre: phone, email and a help centre. Help centres are the most common channel on the site at 75.6%, and phone support at 67.3%. Chat is not among the channels listed.
Who runs SEB and how long has it been around?+
The card comes from Skandinaviska Enskilda Banken AB (publ), which was founded in 1856. That makes the provider a long established Swedish bank, and the entity behind the card is a public limited company rather than a new fintech.
Is SEB a reasonable card for travel?+
Travel is the debit card's listed feature (travel) and the network is mastercard, which is accepted abroad. The credit card adds travel insurance among its perks (travel insurance, purchase protection and price protection), so the travel cover sits on the credit side of the offer.
Sources
- seb.se checked September 26, 2026
Backs: Legal entity
“Skandinaviska Enskilda Banken AB (publ)”
- seb.se/om-seb/kontakta-oss checked September 26, 2026
Backs: Support channels
- seb.se/privat/betalningar-konton-och-kort/kreditkort-och-... checked September 26, 2026
Backs: Card kind, Rewards type
“SEB Credit - Kreditkort”
- seb.se/privat/betalningar-konton-och-kort/kreditkort-och-... checked September 26, 2026
Backs: Annual fee, APR, Perks
- seb.se/privat/betalningar-konton-och-kort/kreditkort-och-... checked September 26, 2026
Backs: Card type, Features, Monthly fee, Card network
- sebgroup.com/sv/om-seb checked September 26, 2026
Backs: Founded
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.