Review Time
After being a client for almost 15 years, I am trying to close my account as they start charging outrageous fees to foreign residents (even if you practically don't use your account, just have your savings there). Surprise surprise.. they have disabled all international and SEPA transfers for me. How convenient! I am very disappointed with SEB.
After being a client for almost 15 years, I am trying to close my account as they start charging outrageous fees to foreign residents (even if you practically don't use your account, just have your savings there). Surprise surprise.. they have disabled all international and SEPA transfers for me. How convenient! I am very disappointed with SEB.
This has to be the worst bank in Sweden. The business rates are outrageous, if you are a global business you will be charged 300:- (30 euros) for every transaction to a country outside of Sweden. The Customer Service is also terrible, they do not look after their customers. The good news is that online banks like Revolut and Lunar will take all the business away from the bad traditional banks, as they charge much smaller fees, have better customer service, better UX and apps and better access to global & forex markets. Goodbye traditional banks....I will not miss you.
- I had all my private bank affairs with SEB and received decent service but accumulated some bad experiences with poor selection of mutual funds and high interest rates on mortgages. Then the straw that broke the camel’s back – my card credit was blocked when I was 6 days late with a payment. Despite a flawless credit history, the cushion that I used for unforeseen expenses was taken away and when I escalated the answer was: “You need to understand that we have to do this when you cannot handle your economy”. So it took 5 months to move everything out from SEB to best in breed for each service such as bank accounts, retirement savings etc. The tardiness because SEB used maximum time windows allowed under law – to transfer money out from them. Now I enjoy much better service elsewhere and can simply recommend others mulling over a similar move, not to hesitate. I have not regretted this for a single moment.
The outrageous discriminatory fee increase for foreign customers announced for April 2026 is an absolute shame. All this for an absolutely basic account which hardly offers more than the possibility of paying standard bills in the country(insurance, electricity, taxes, repairs on the house, etc...) and transferring money for that purpose from your account abroad. No Swedish bankID, no telephoneID, no access to the Swish payment system, no credit or debit card included. A shocking charge of 1200SEK for sending you a replacement Digipass Code Generator abroad (they only mail it via DHL International Express) when its battery goes dead. You could easily change that standard button battery yourself, but the moment you take the dead one out, all the data is lost for good ! You need this gadget to get online, make payments and transfers online. No other way is offered as we cannot by law get a Swedish personal number, Add to that the fact they closed one physical branch after the other. And that is actually when things really went worse. To visit one of the remaining branches you have to make an appointment. When you encounter a problem, you spend ages on the phone without getting much help. The same goes with emailing the bank. Should Sweden ever adopt the euro, I'll close my account with SEB at the first opportunity. For the time being I'm weighing my options and considering a change to another Swedish bank.
I have a SEB corporate credit card since 7 years. This december invoice came very late in the physical mail because of snow and postal service delay. The agreement is that I shall pay when I get the invoice. This time, as I didn't have the invoice, I did not know the date or OCR. I was sitting 40 min in a telephone queue to SEB to get the details so I could pay. Actually I paid one day before the invoice finally arrived. SEB sent me an invoice with interest for the delay. I asked if I needed to pay - there was no delay, not my fault. They didn't have any understanding of the situation and my effort to pay. Just a rigorous interpretation of the agreement / conditions that was not clear about this at all, nothing about that I need the invoice to pay, just that they should send it. I will discontinue to use this SEB MC and find another alternative.
I am a customer for over 40 years and I am now leaving this bank. I moved to Greece many years ago, and 2026 they have decided to add 1500kr yearly fee , on top of credit card fee 420kr for continuing being a customer with simple bankaccount. They are the most expenisve in sweden with their fees. I have had enough and will now change bank.
I hate this bank so much. The app looks like from 90s, You cannot enter many important features from it, You have to log in the website. Then, I cannot add swedish recipient, only SEPA or international. My money is stuck and I cannot even do internet payment with my card, cause its terrible. To activate certain features, I need to call and ask for it. What a comedy, it's literally headache and I will definitelly close my account here. Even is I have to wait like 10 hours in line, which can be possible. If You want to replay to this review with "copy-paste" message saying "sorry, but...", forget it, just change something in Your damn app, or else Your bank will fail soon. Its a complete dissaster and fee for having a card is also huge. Just change it!!!!
I was in the process of setting up a company bank account when the process became stalled. A pop-up message in the system instructed me to contact customer support by phone, which I did.After speaking with two representatives, I was eventually able to understand what the issue was. However, as a result of those interactions, I decided not to proceed with them as my bank.Both representatives I spoke with came across as cold, irritated, and quite inconvenienced by my call. One of them referred me to a heading on their website to explain the issue, in a manner that suggested I should have found the information myself beforehand—despite the fact that I had contacted support specifically because the system instructed me to do so.I will not speculate on the reason for this tone, whether it was situational or reflective of a broader approach to customer interactions. However, the experience left me with certain doubts which force me to choose another bank.
I have had SEB as my bank for 45 years, the last 13 years as a Swede living abroad. This year has been full of problems with SEB, everything from them not blocking my ATM card even though I requested it (and they confirmed that they did, which later turned out to be a lie). They said they sent me a new ATM card, but it never arrived, they also sent my PIN code separately, which also never arrived, probably the reason, it turns out during the check that they wrote my name and my address, but did not write the country in the address. SEB's customer service has shown that they have very little, or no knowledge of how the bank's system works over the internet. When they have explained to you when you contact them how to make a certain service work, they have given completely wrong information. When you point it out, in many cases it has suddenly started working, without SEB announcing that the error has been fixed and so on.About half a year ago I received a message from SEB that I had to fill out a form that could be accessed via a web address they provided. They threatened to close my account if I did not fill out the form. I filled out the form (it also contained a lot of irrelevant questions). It was not possible to submit by signing and sending with BankID (the method used by SEB for all money transactions). Instead, you had to print the form and send it by regular mail. When I printed the form, it turned out that the web form only contained barely 25% of the questions that were on the printed form.Because it is expensive and takes at least three days to transfer money from SEB abroad, I requested that they approve me transferring money from my ATM card to Wise, which is both cheaper and faster. SEB refused. When asked why, they replied by asking what I would use the money for, and that they did not trust that company and continued to refuse to send my money.A check here on Trustpilot speaks for itself. Wise. 275,391 reviews, 4.3 stars, a very good rating. SEB, 683 reviews, 1.3 stars, a very bad rating, I will close my accounts with SEB as soon as possible
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