Switch to mobile version. Top

Internet bank for private customers

Internet bank for private customers

Convenient and simple financial resource management

  • Adjusts to different devices
  • Multi-currency account
  • Smart payment form

Code cards are being replaced by Smart-ID

Under the European Commission regulation on secure authorisation, in the period up to 1 September 2019, code cards will be replaced by more advanced and secure authorisation means.

We will change over to using the new authorisation means gradually, informing you individually about the validity term of the code card issued to you by SEB.

You may replace the code card by Smart-ID or a code calculator even if you have not been contacted individually yet.

How to get a free code calculator for children under the age of 18

If your child already has an internet bank, it's time to replace his old code card with a free code calculator.

How to get code calculator?

If a child is aged between 7 and 14 years
His/her legal representative must visit any SEB branch bringing his/her passport or ID card as well as the child’s identity document, and bring the child’s birth certificate if the legal representative is bringing his/her ID card or if there is no record of the child in his/her passport.

If a child is 15 years old
The legal representative and the child must visit the branch together, bringing the legal representative’s passport or ID card, and the child's identity document, and bring the child’s birth certificate if the legal representative is bringing his/her ID card or there is no record of the child in his/her passport.

A junior aged 16- 17 years
May visit the branch on his/her own, carrying his/her identity document.
Smartphone users starting from the age of 16 can connect free mobile application Smart-ID.

  • Smart-ID

    Smart-ID is a secure mobile application, with the help of which you can use the internet bank and make payments with your smartphone or tablet.

    • You can create Smart-ID Basic (with an unqualified certificate) by yourself, using the internet bank authorisation means, i.e., a code card or a code calculator.
      How to download Smart-ID
    • Visit any SEB branch to register Smart-ID (qualified) with broader e-document signing functionalities in your Smartphone.

    Read more

  • Code calculator
    Code calculator

    If you do not want to use Smart-ID or if you do not have a smartphone, visit any SEB branch to buy the electronic code calculator. The code calculator is an electronic authorisation device that generates unique internet bank access and authorization codes every time you use it.

    More about code calculators and instructions for use


  • Code card
    Code card

    By 1 September 2019, code cards will be gradually replaced by other authorisation means.

    Restrictions imposed on the use of code cards – the single transaction limit and the daily limit between SEB accounts is set up to EUR 500. Whereas for payments to other banks, the single transaction limit is EUR 30, whereas the daily limit is EUR 150.

    Please note that the above daily limits for payments are not cumulative. The sum total of the payments approved by the code card during a single day (to other accounts with SEB, as well as to other banks) may not exceed EUR 500.

Almost all SEB bank services are available also in internet bank – you can make payments, get information about account transactions, control your current accounts, deposit and credit status, as well as apply for other services. It is the most convenient and cost effective way to communicate with the bank, providing 24-hour access to your account anywhere in the world, where you have access to the internet. Internet bank offers lowest commission fees for bank services.

What kind of services are available at internet bank?

  • Different types of payments with possibility to check their progress.
  • Information on your transactions – account balances, card payments, credit, leasing, investment and securities transactions, as well as other services. With SMS bank you can receive text messages on incoming and outgoing payments on your mobile phone or e-mail.
  • Possibility to apply for and make changes to a variety of banking services – 2nd and 3rd pension pillars, automated standing orders, term deposits and other. You can also open a securities account and make transactions within  SEB investment funds.
  • Create a payments samples and standing orders, which are executed automatically with your specified regularity.

Your personal internet bank data (user ID, codes) can also be used for online purchases and 3D secure payment system (except code cards).

The bank employs a multi-tier data protection system for your financial security

Using SEB bank internet bank, your finances are in security because the multi-tier data protection system prevents unauthorised parties from accessing your account:

  • Each user has a user code, password, access and authorisation codes of his/her own, known only to him/her.
  • Note the difference between internet bank access codes and authorisation codes. Authorisation codes may be required only to confirm a payment made by you or the changes to internet bank settings made by you. If you have not carried out such activities, however you are asked to give your authorisation code, do not enter it because it may be a sign that your computer has been infected.
  • In internet bank you may define allowed deals and their limits.
  • To confirm payments with code cards, a daily limit for transactions to other banks is 150 EUR (for each single payment - 30 EUR), but for transactions within SEB bank - to 500 EUR (both - one transaction and daily limit). These daily payment limits do not stack. The total amount of daily payments confirmed by code card (within SEB bank and to other banks) is 500 EUR.
    For better security for larger amounts of payments we offer a free application in your smartphone Smart-ID or buying a code calculator digipass at any SEB branch.
  • Your working session on the internet bank will be ended automatically after 10 minutes of inactivity.
  • For minors, the one-day limit is 70 euros, but it can be increased from the age of 16.

How to protect your finances using the internet bank?

  • Create a strong password and change it regularly.
  • Prior to carrying out authorisation make sure you are on the official internet bank page – https://ibanka.seb.lv.
  • View your account statements regularly.
  • Never tell anyone about your transactions and the account balance.
  • Change your password if you suspect that someone may have acquired it.
  • Do not email your identification data; do not not reply to email letters supposedly sent on behalf of the bank requesting you to send your identification data (user ID, passwords, access codes, PINs, passport data) or other personal information. If you have any doubts regarding any emails with the information of such nature received, contact us, calling our 24/7 infoline on +371 26668777 and make sure about the authenticity of the information received.
  • For additional security, you can subscribe to the SMS bank service enabling you to learn about transactions in your account. For example, you can subscribe to receive a text message on money transfers from your account to be notified each time the money is deducted or transferred from your account.

How to create and use a password correctly?

  • The only place to enter your internet bank passwords and security codes are the SEB internet bank page https://ibanka.seb.lv. When making a purchase or logging into websites such as latvija.lv, you should be redirected to https://ibanka.seb.lv where you would be required to enter your authorisation data (in order to make sure that you are on the official SEB internet bank website). Never indicate your customer number, password or code card data in any other website, email or a social network. The only time you may be asked to name a part of the code card number is when you have called our 24/7 infoline on +371 26668777, in order to perform authorisation. If you are suspicious of an electronic service provider or the device from which you are working, stop the activity immediately. Please notify us of each instance when somebody is willing to find out this information.
  • Create a password containing at least 9 characters using a combination of numbers, uppercase and lowercase letters or symbols ! = ? + - _. You should definitely avoid using the names or birth dates of your closest relatives or pets in the password. Read: What is a strong password, and how to create it?
  • Memorise your passwords without recording them.
  • Make sure that nobody can watch you as you are entering the password.
  • Make sure that the code card or digipass is available only to you.
  • Subject to logging in successfully or confirming the payment, the system may not require the same code card or digipass code repeatedly. If that happens, make sure you are in the environment of a certified website.
  • Note that there are two types of authorisation means:
    • Access codes that need to be entered to connect to internet bank;
    • Authorisation codes used to confirm payments or changes via internet bank.
  • If the same security codes are being requested in the event of a successful authorisation or in confirmation of the service, your computer may have been infected or somebody is attempting to defraud you. In such cases you should immediately:
    • End the internet bank session by pressing “Exit”.
    • Contact the bank regarding that on +371 26668777 and request blocking of your internet bank. (The fastest way to block your internet bank is to enter a wrong internet bank password 5 times consecutively).

How to make sure that you are using a real, certified internet bank website?

  • Before you enter internet bank access data, we encourage you to make sure that you are using the officially registered and certified internet banking website, i.e., make sure about the security of the created communications channel.
  • In order to do so, you should check the certificate of the website, by clicking on the key pictogram , which most often can be found in the address field of the internet browser software.
  • The certificate should specify the correct address of the internet banking: ibanka.seb.lv, the issuer organization of the certificate: VeriSign, Inc., as well as the validity term.

Mozilla Firefox

Google Chrome

Internet Explorer

Why must not banking and bank card numbers be disclosed, even if there is no money in your account?

  • Even if there is no money in your account that does not mean that you stand nothing to lose by disclosing your information to others. Somebody can use your internet bank to apply for micro loans and access your tax and personal information on the website www.latvija.lv, or even change the place of residence declared by you. Lately, a particularly popular type of fraud has had to do with micro loans in cases when internet bank access codes have become known. This usually takes the form of a job offer where the employer requires “empty” internet bank accesses. No entrepreneur has any reason to ask you to share or know access codes to your own accounts.
  • Also, your account can be used for money laundering or other fraudulent transactions, in which case you may be called to account.
  • If you suspect that your access data has become available to other people, please change your password and contact the bank by calling on +371 26668777.

What to do if you have lost your internet bank code card or digipass?

  • To block the internet bank code card or digipass, you must call our 24/7 infoline immediately on +371 26668777 or call the 24/7 infoline of the company SIA First Data Latvia on +371 67092555.

What to do if you have lost smartphone with Smart-ID?

  • If your phone is lost or stolen, Smart-ID is protected by the PINs known only to the user, so the phone finder will not be able to use Smart-ID, nor will he/she be able to access the phone owner's bank account.

How to use the Internet and online services securely?

  • When checking emails and social media, beware of mails with attachments or clickable links sent by unknown people. Never click on a suspicious link nor open attachments because they can contain viruses capable of stealing information or damaging devices.
  • Do not visit suspicious websites. Viruses are mainly spread through unsecure websites, emails and file sharing programs.
  • Do not use online services in public places, on WiFi networks not protected with passwords or in places where you are exposed. However, if that has happened, change your internet bank password.
  • Do not use internet bank nor make any payments with cards from unknown or suspicious computers because they can save the codes and passwords entered by you.
  • Before you make a purchase from an unknown online shop, search for any customer reviews regarding it using Google or use any other Internet search tool.
  • If you do not make large purchases on a daily basis, change the transaction amount limits via internet bank and increase the limit only if necessary.
  • Install a legal and reliable antivirus software and regularly update the software.
  • Regularly update your Internet browser.
  • Update the operating system of your computer, because hackers regularly find ways to bypass built-in security systems. Do not use outdated versions that are no longer maintained, such as Windows XP or Internet Explorer 6.
  • If a virus has been identified or offers to install suspicious software start appearing, stop the work you have been doing and log out of internet bank. Using an antivirus software, scan for viruses, and contact your IT support, if necessary.
  • If you see that the carrying out of activities via internet bank takes too long or if after the entering of the password a message about technical problems appears, it means that your computer may have been infected. Notify the bank thereof immediately via the 24/7 infoline on +371 26668777.

Secure online purchases with bank cards

  • Like many traders in Latvia and elsewhere in the world, SEB bank uses the online purchase security system 3D Secure developed by VISA and Mastercard for online purchases. This security system performs an additional checking of the identity of the cardholder and ensures that the card data are particularly safeguarded in the online environment.
  • At the traders’ using this security system (which will be evidenced as Verified by VISA and Mastercard logo SecurCode logos), in addition to the payment card data, you will be required to enter the internet bank data, i.e., your user code, password, and access code.
  • You can connect to internet bank at any branch of SEB bank.

Software and browser requirements

To ensure full functionality and security, we recommend you always use the latest versions of software.
Minimum requirements for use of SEB web page, internet bank and mobile application:

  • Windows 7, macOS Sierra 10.12
  • Google Chrome 55, Mozilla Firefox 45, Internet Explorer 11, Safari 9
  • Android 5.0 with mobile browser Google Chrome, iOS 9.0 with mobile browser Google Chrome or Safari


Services Fees
Connection to the system Free of charge
Servicing per month Free of charge
Digipass issuance 20.00 EUR
Digipass replacement 10.00 EUR


Users of code cards should take note of SEB bank’s limits for standard operations. The daily limit for transacions authorised with a code card is 500 EUR or the equivalent of this sum in other currencies. Within this limit, the daily total of payments to other banks is limited to 150 EUR, while the transaction limit is 30 EUR per payment. The monthly limit for transactions authorised with a code card is 3,000 EUR or the equivalent of this sum in other currencies.

To change the operation limits, please fill out the application in Internet bank menu Applications or go to the nearest branch of SEB bank.

Smart-ID – new authorization type

Smart-ID as a convenient and secure authorization solution for the internet bank will gradually replace the code cards.
Read more



Uzmanību! Jūsu pārlūkprogramma neatbilst SEB mājas lapas prasībām, lūdzu, atjaunojiet to vai izmantojiet citu ierīci lapas aplūkošanai.

Attention! Your web browser does not correspond to the requirements needed to visit SEB website. Please change web browser or device that you use for browsing the site.

Внимание! Ваш браузер не отвечает требованиям, необходимым для посещения сайта SEB. Просим поменять браузер или устройство, при помощи которого вы производите поиск в браузере.