SEB Latvia review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
For borrowers with ties to Latvia through residence, work or study, SEB Latvia offers personal, secured, car and student loans alongside credit lines, easy access saving and ETF and ESG portfolios. It serves households wanting flexible borrowing and saving choice with phone and email support to consider before applying.
Key facts
Loans
- Loan amount
- €1,000 to €25,000↗
- Term
- 12 to 84 months↗
- Arrangement fee
- 1% of the amount granted, min 90.00 EUR↗
- Credit check
- Hard↗
- Funding time
- Credited to your SEB account automatically immediately after signing the loan agreement↗
- Representative example
- Consumer loan of EUR 5,000 over 5 years at 10% fixed rate: monthly payment 106.76 EUR, annual percentage rate 11.93%, total payable 6,556.53 EUR↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Must have a connection to Latvia (citizenship, residence, study or work in Latvia); non-EEA residents residing outside Latvia need a valid Latvian residence permit↗
- Origination fee (%)
- 1%↗
- Loan types
- Personal, Secured, Car, Student, Credit-line↗
- Use cases
- Home-improvement↗
Savings
Mortgages
Robo-advisors
Facts checked September 26, 2026, 13 sources
Pros
Pros
- Covers personal, car, student and secured loans plus credit lines in one range
- Pairs easy access saving with ETF and ESG portfolio choices for planners
- Accepts standing orders from a current account and supports email and phone contact
Who it suits
- Borrowers with study, work or residence ties to Latvia
- Households wanting saving flexibility alongside investment choice
How SEB Latvia compares
Where SEB Latvia is available
- Available
- Latvia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who can apply to SEB Latvia?+
Applicants need a connection to Latvia through citizenship, residence, study or work. Non EEA residents who live outside Latvia need a valid Latvian residence permit to qualify. Check eligibility carefully before starting an application.
Which borrowing products does SEB Latvia cover?+
The range covers personal, secured, car and student loans alongside credit lines. Coverage supports purchase and remortgage purposes and home improvement use cases. Review the range to find an option that matches your plans.
What saving and investment choices are offered?+
Easy access accounts allow top ups and withdrawals at any time with standing orders from a current account. Funding reaches your SEB account automatically after signing the loan agreement. Investment choices include ETF and ESG portfolios for diversified planning.
Which company operates SEB Latvia?+
SEB Latvia is operated by AS "SEB banka". (Source, checked September 26, 2026)
Where is SEB Latvia based?+
SEB Latvia is based in Latvia. (Source, checked September 26, 2026)
When was SEB Latvia founded?+
SEB Latvia was founded in 1856. (Source, checked September 26, 2026)
How can I contact SEB Latvia support?+
SEB Latvia offers support through Email, Phone. (Source, checked September 26, 2026)
Sources
- seb.lv checked September 26, 2026
Backs: Legal entity
“Jūs atrodaties SEB mājaslapā, kur tiek piedāvāti finanšu pakalpojumi, ko sniedz AS "SEB banka"”
- bank.lv checked September 26, 2026
Backs: Deposit protection
- seb.lv/klientu-sudzibu-izskatisana checked September 26, 2026
Backs: Headquarters, Support channels
“Nosūtot vēstuli pa pastu uz Elizabetes iela 95, Rīga, Latvija, LV-1050”
- seb.lv/kontakti checked September 26, 2026
Backs: Lender type
“AS "SEB banka" ... Vienotais reģistrācijas numurs: 40003151743”
- seb.lv/par-seb/par-uznemumu checked September 26, 2026
Backs: Founded
“SEB grupa ir vadošā finanšu pakalpojumu sniedzēja Ziemeļeiropā. Tās saknes sniedzas 1856. gadā.”
- seb.lv/privatpersonam/cenradis-privatpersonam checked September 26, 2026
Backs: Loan types
“Kredīti: Mājokļa kredīts; Kredīts ar nekustamā īpašuma ķīlu; Līzings; Patēriņa kredīts; Kredīti studentiem; kredītkarte: Kredītlīnija”
- seb.lv/privatpersonam/klut-par-klientu/klut-par-klientu checked September 26, 2026
Backs: Eligibility
“Viens no mūsu galvenajiem nosacījumiem sadarbības uzsākšanai ar jaunu klientu ir personas saikne ar Latviju.”
- seb.lv/privatpersonam/krediti/majokla-kredits checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose
“Gada procentu likme 4, 510 %”
- seb.lv/privatpersonam/krediti/paterina-kredits checked September 26, 2026
Backs: Loan amount, APR, Credit check, Features, Free early repayment, Funding time, Pricing model, Arrangement fee, Origination fee (%), Representative example, Term, Use cases
“Kredīta apjoms: No 1000 līdz 25 000 EUR”
- seb.lv/privatpersonam/uzkrajumi-un-ieguldijumi/roboinvestors checked September 26, 2026
Backs: Management fee, Minimum investment
“Portfolio management fee 0.80% per year (VAT included)”
- seb.lv/privatpersonam/uzkrajumi-un-ieguldijumi/roboinvest... checked September 26, 2026
Backs: Portfolio types
“Roboinvestor portfolios only invest in ETFs that invest in companies committed to implementing ESG requirements”
- seb.lv/privatpersonam/uzkrajumi-un-ieguldijumi/uzkrajumi/... checked September 26, 2026
Backs: Headline rate, Minimum deposit
“Gada procentu likmes par naudas glabasanu Krajkonta ... EUR 1.90% ... Procentu likmes ir speka no 06.07.2026”
- seb.lv/privatpersonam/uzkrajumi-un-ieguldijumi/uzkrajumi/... checked September 26, 2026
Backs: Access terms, Account kind, Rate type
“Krajkonts ir drošs veids, kā uzkrat naudu ... Jus vienmer varat brivi ieskaitit naudu konta, kā arī to vienkārši iznemt, kad nepieciešams”
Compiled from 13 source pages, checked October 21, 2026. We did not open an account.
Not confirmed yet: Annual fee, Currency conversion fee, Rewards type.