Terms, conditions and regulatory information
Access SEB’s account details, terms, forms, and key investment information, including sustainability and regulatory updates.
- Terms and conditions of the customer agreement, PWM&FO
- Terms and conditions of the customer agreement, institutional asset management (client onboarded before 1 April 2024)
- Terms and conditions of the customer agreement (custody services), institutional asset management (client onboarded after 1 April 2024)
- Cash account terms
- Portfolio Service terms
- Terms and conditions for euro-denominated payments within the SEPA area
- Terms and conditions for outgoing and incoming non-euro payments
The Sustainable Finance Disclosure Regulation (SFDR) is an EU regulation that aims to make it easier for you to compare the sustainability performance of different financial products. The SFDR has created a standardised way of reporting on sustainability that sets requirements for financial market participants in the EU to inform their customers about their sustainability performance, both as a company and for the products they provide.
The main objectives of the SFDR regulation are to
- increase transparency on sustainability
- facilitate the financing of growth in a sustainable way, and
- counteract greenwashing
Interest payable on accounts
The interest rate on a demand deposit account denominated in euros is 0,00 % up to EUR 50 000, as of 1 April 2023.
Provided that the daily balance on the account exceeds EUR 50 000 the interest rate for the whole cash balance is 0,25 %, as of 17 June 2026.
Interest is not paid on a demand deposit account denominated in foreign currency.
Transfers and Fund Subscriptions
Please select the recipient account based on the customer group to which the payer belongs.
Recipient: Skandinaviska Enskilda Banken AB (publ), Helsinki Branch
| Payer | Bank | IBAN | BIC |
| Private clients and family companies | SEB | FI11 3301 0001 1856 85 | ESSEFIHX |
| Institutional Clients | SEB | FI13 3301 0019 1098 91 | ESSEFIHX |