SEB Kort Bank AB, Helsingin sivuliike

SEB Kort Bank AB, Helsingin sivuliike is the Finnish branch of SEB Kort Bank AB, a subsidiary of Skandinaviska Enskilda Banken AB (publ), focusing on card-based payment services rather than full-service retail banking. In Finland it concentrates on corporate and business cards (charge and credit) on the Mastercard network, travel and purchasing accounts, virtual cards for online procurement, consolidated billing, and expense management tools with data exports and integrations to common ERP and expense platforms. Consumer products may exist, but the emphasis is on company programs with configurable limits, merchant category controls, digital statements, e-invoicing, and self-service administration for cardholders and program managers. Online and mobile channels provide transaction viewing, card controls, and strong customer authentication; internet purchases use 3‑D Secure. Applications are subject to credit assessment and standard KYC/AML checks; pricing is disclosed in the bank’s tariff and typically includes annual card fees, interest on revolving balances where applicable, foreign currency markups, and late-payment charges. Cards can be blocked 24/7 and disputed transactions follow card-scheme chargeback rules and Finnish consumer-credit legislation where relevant. The entity operates in Finland via an EU branch with prudential supervision by the Swedish Financial Supervisory Authority and local conduct oversight by the Finnish Financial Supervisory Authority. The branch does not offer cash accounts, counter services, or a broad lending/investment product set, so suitability depends on the need for centralized corporate card programs and related payment solutions.