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Smart-ID

Smart-ID is a free-of-charge mobile application that enables you to connect to internet bank and confirm payments in it.

Download app from here:

Google Play App Store

1. Is it possible to connect to the internet bank with a Smart-ID both on a computer, a smartphone and a tablet?
Yes.
2. Is Smart-ID really safe?
The Smart-ID solution conforms to the highest financial sector security requirements. Firstly, a unique code is generated for each transaction confirmation. Secondly, if you have lost your phone, Smart-ID is protected by the PINs known only to you.
3. How to create Smart-ID account on a new device?
Insert your SIM card into your new smartphone, and activate a Wi-Fi connection. Download the Smart-ID app. Provide Wi-Fi for your previous phone (you can also use the Personal Hotspot feature on your new phone). Continue with the instruction:

Creating Smart-ID account in a new device

NB! Once Smart-ID account created, first log in to your internet bank and confirm your identity with your previous phone's Smart-ID. If the Smart-ID is deleted from the previous phone without connecting to the internet bank, the Smart-ID on the new phone is invalid.

Types of Smart-ID and how to register them

  • Smart-ID Basic (unqualified) account you can create by using the code calculator.
  • Smart-ID qualified account you can get on your smartphone using eID (possible but with some limitations) or by visiting any SEB branch
    The signatures in this Smart-ID application have the same legal force as self-signed signatures and are recognised throughout the European Union.

Internet connection is necessary to authorise with Smart-ID. It can be mobile or wireless (Wi-Fi) internet. Questions & answers

 

Installing Smart-ID on smartphone

Smart-ID Basic installation on mobile phone remotely using Smart-ID/Smart-ID Basic on other device or code calculator:
  1. Download Smart-ID application from Google Play Store or App Store;
  2. Press “Registration”;
  3. For successful confirmation of identity, choose country – Latvia;
  4. Press “Online bank or branch”;
  5. Choose “SEB”;
  6. Specify form of identification “Internet bank”;
  7. Press “Proceed anyway”;
  8. Read and accept the Terms and Conditions;
  9. Enter phone number and e-mail address required to update certificates;
  10. Connect to SEB internet bank using the previous mean of authorisation – Smart-ID/Smart-ID Basic or Code calculator;
  11. Confirm customer identification by pressing the button “Connect”;
  12. Create PIN1 and PIN2;
  13. Confirm your identity;
  14. Confirm PIN1 and PIN2;
  15. Confirm “Smart-ID account information”;
  16. Smart-ID account registration was successful!
  17. Connect to the internet bank using the new Smart-ID Basic account and enter PIN1 in Smart-ID application;
  18. When connecting to the internet bank for the first time, confirm your identity using an existing mean of authorisation – code calculator or Smart-ID/Smart-ID Basic on other smart device;
  19. Check your data, read terms of the Internet Bank Agreement and confirm using PIN2, to send data to the service provider SK ID Solutions AS;
  20. Repeat connection to the internet bank using the new Smart-ID Basic account.

Attention! For the business internet bank users to be able to connect using Smart-ID, users must connect to private internet bank using Smart-ID first From that moment on, Smart-ID will be usable for direct connection to the business internet bank.

Smart-ID (qualified) account installation on mobile phone, if you have previously used Smart-ID / Smart-ID Basic account (biometric method)

Conditions required for the registration of Smart-ID account:

  1. Legal age (this functionality is not available to minors due to legal reasons).
  2. Currently or previously registered Smart-ID account (may be deleted). The phone number or e-mail address specified during creation of the previous Smart-ID account must be available to confirm the new Smart-ID account.
  3. Valid ID document – passport or ID card (biometric passports are issued in Latvia since 2008, ID cards – from 2012).
  4. Mobile phone with camera and switched on NFC (Near Field Communication) technology, which enabled safe data exchange between devices – in this case, data reading from passport or eID card.
  5. Latest version of Smart-ID is required on the phone.
  6. NB! If the customer has changed his/her name, surname or personal identification number, Smart-ID cannot be changed using biometric method. The customer must attend branch.

Step-by-step description of the process is available here.

Smart-ID activation in internet bank

  1. Open internet bank on your smartphone or computer by entering the address ibanka.seb.lv;
  2. Choose "Authentication method" Smart-ID;
  3. Enter user ID and Personal identity number;
  4. Press "Login"
  5. Open Smart-ID application on your smartphone, compare both codes, and if they match, Enter PIN1.
  6. When login to SEB internet bank with Smart-ID for the first time you need to identify yourself with existing authentication device – code calculator or Smart-ID/Smart-ID Basic on the other device. 
  7. Check your data, read the internet bank terms and conditions and confirm with the PIN2 code to send the data to the service provider "SK ID Solutions AS";
  8. Log in to the internet bank one more time with the new Smart-ID Basic account.
  9. Read the internet bank agreement terms and conditions and confirm them.
  10. Smart-ID activation completed successfully.

Business internet bank users can log in using Smart-ID once they have used Smart-ID to log into the private customer internet bank. After that, users can log into Business internet bank directly with Smart-ID.

Internet bank with Smart-ID authorisation

  1. Choose "Authentication method" Smart-ID;
  2. Enter user ID and Personal identity number;
  3. Press "Login"
  4. Open “Smart-ID” application on your smartphone, compare both codes, and if they match, Enter PIN1.
  5. Few seconds after entering PIN1, internet bank main page will open automatically.

Confirming payments

  1. Fill payment form, click “Sign digitally”.
  2. Compare codes in internet bank and in Smart-ID application and, if they match, enter PIN2.
  3. Few seconds after payment confirmation will open in internet bank.

Do the same steps to confirm other operations in internet bank.

Pay attention to the Smart-ID application label under the control code. It says what actions you approve. If you do not currently work in the internet bank or do not use authorisation in other services (Latvija.lv, card payments on the internet, etc.) and receive a Smart-ID PIN1 or PIN2 code request, be very careful and check the information under the control code. If the request seems suspicious, press the "Cancel" button and contact SEB.

 

About using Smart-ID

How to start using smart-ID?

Download Smart-ID application from Google Play (to Android phones) or App Store (to iOS platform phones) website, create your personal profile and choose two PIN codes – one (four digits) to be used to connect to internet bank and the other (five digits) to be used to confirm payments and other transactions.

What’s the costs of Smart-ID?

The downloading of the application, registration, setting up of the profile and usage is free of charge.

Who can use Smart-ID?

Any person residing in the Republic of Latvia who has reached the age of 7 and who uses a smart device with Android (4.1 or newer) or iOS (11.0 or newer) operating system.

Is the usage of Smart-ID mandatory?

Smart-ID has been designed for your convenience, especially if you make payments exceeding EUR 150, however, the mandatory usage thereof is not required.

Will I be able to use Smart-ID on several devices?

Yes, you can use Smart-ID on your phone as well as on your tablet PC.

Will I be able to use Smart-ID also abroad?

Yes, of course. Moreover, using of Smart-ID will not be particularly expensive for mobile communications, because the application transfers a small amount of data.

Can Smart-ID be used if the phone does not have internet access?

No. Using Smart-ID requires a mobile internet or wireless internet (Wi-Fi) connection.

How should I proceed if I am the customer of several banks?

To confirm transactions via internet bank of the two banks, using a single application will be possible.

Can Smart-ID be used for the company's internet bank?

Yes, if you use your private internet bank with Smart-ID, you will also be able to connect to the company’s internet bank.

 

What will happen to code calculators?

How is Smart-ID different from code calculators?

Smart-ID is a convenient way to connect to the Internet. It is particularly advantageous to use Smart-ID while travelling, as the usage thereof would not require additional authorisation means (code calculator), i.e., internet bank can be used with a smartphone connected to the internet.

What should I change if I use the code calculator?

Nothing – provided that you are satisfied with your hitherto experience. We recommend that you switch to Smart-ID if you would rather not be carrying along your code calculator or you want to use additional services available with Smart-ID:

  • log in to SEB internet banks in the Baltic countries with one Smart-ID application (if in each country you are registered as a customer with one personal code) and use more verification options than with code calculator;
  • connect to the services of various companies – Dokobit, LMT, E. Gulbja Laboratorija;
  • use Smart-ID to log into the internet banks of other banks.

 

  •   Simple

    The Smart-ID application is available free of charge on „Google Play“ or App Store websites.

  •   Convenient

    Internet connection is all that you need to access your internet bank with Smart-ID.

  •   Secure

    The PIN created by you and known only to you ensures secure usage of Smart-ID.

The Smart-ID solution conforms to the highest security requirements of the financial sector for electronic services. Firstly, a unique code will be generated for the confirmation of each transaction, therefore fraudsters will lack the opportunity of obtaining the confirmation code even if they have managed to obtain the customer’s code and the password. Secondly, if you have lost your phone, 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.

Read more about Smart-ID Smart-id.com

What needs to be done if the application is blocked?

To prevent your Smart-ID applications from being misused, your profile will be locked in the following cases:

 

If the PIN is entered incorrectly three times consecutively
(the profile will be blocked for three hours)

 

If, after the said three hours, the PIN is entered three times incorrectly again
(the profile will be blocked for 24 hours)

 

For security of your data, your PIN will be blocked permanently, if it is entered incorrectly three times consecutively (nine times in total). To continue using Smart-ID, you will need to delete your profile from the device and register again.

 

Is it indeed safe to use Smart-ID? What if my phone is lost?

The Smart-ID solution conforms to the highest security requirements of the financial sector for electronic services. Firstly, a unique code will be generated for the confirmation of each transaction, therefore fraudsters will lack the opportunity of obtaining the confirmation code even if they have managed to obtain the customer’s code and the password. Secondly, if you have lost your phone, 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.

 

What happens if I forget the PINs of my Smart-ID?

If you enter an incorrect PIN three times consecutively, the Smart-ID account will be blocked for three hours during which you would not be able to enter a new PIN. If after the expiry of the term you enter an incorrect PIN three times consecutively again, the Smart-ID account will be blocked for 24 hours. After that you would have three more options to enter your PIN, after which the Smart-ID account will be blocked permanently, providing no possibility to restore it.

 

What is strong authentication?

Authentication is the process of recognition of the person remotely by reference to any of the three factors:

  • something known only to the customer (the password, PIN)
  • something owned by the customer (card, smart card, code calculator, etc.)
  • biometric characteristics (the customer’s voice, fingerprints, etc.)

Strong authentication uses two of these factors, in addition, one of these elements must be unique and unmatched. Smart-ID provides that because it uses two factors – the PIN known only to the user and a unique authentication code generated by the application.

Have to visit a branch?

In Riga branches we offer to book specific meeting time that fits your schedule.

Contacts

  • +371 26668777
    +371 67779988

    Block payment card and internet bank

    24/7

    Other questions

    Private customers

    Mon - Fri 08.00 - 21.00
    Sat, Sun and holidays 10.00 - 18.00

    Business customers

    Mon - Fri 08.30 - 18.00

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