Internetbank usage

  • Lottery!
    Innovation!

    Smart-ID the smartest key for Internet Banking

    The Smart-ID mobile app is an innovative means of logging in to Internet Banking and confirming payments using just your smart phone.

    • For everyday situations, you can leave the code card or security token at home*
    • Download free of charge on AppStore or GooglePlay

    * Keep your code card or security token as you may need them in case your phone is not available or you need to create a new Smart-ID account.

    Smart-ID: the easiest way to win an iPhone 7!

    Take three simple steps and win one of seven iPhone 7 smartphones!

    • Download the Smart-ID app from Google Play or App Store
    • Set up your Smart-ID account (you will need the code card or security token for that)
    • Log in to Swedbank Internet Banking with the Smart-ID

    Lottery lasts from 03.04 to 25.05. Further information, lottery rules, draw dates and winners of the week – swedbank.lv/smart-id.

Usage of Swedbank Internet Banking

According to the requirements of the international and local regulatory framework, the usage of code cards will change and certain limits for payments via Internet Banking will take effect from 1 April 2017.

Smart-ID Code card Security token
Logging in to Internet Banking
Payments to other Swedbank accounts
Daily limit without SMS code* No limit 150 EUR No limit
Payments to other bank below 30 EUR
Payments to other bank above 30 EUR Code card + SMS code sent to mobile phone
Agreement signing for private customers Code card + SMS code sent to mobile phone
Issuance fee Free of charge 2.13 EUR 12.81 EUR
More about Smart-ID

* The SMS code may also need to be entered for payments below 30 EUR to other banks if the total amount of payments made that day exceeds 150 EUR (payments to Swedbank and other accounts combined).

SMS code can be delivered only to a mobile phone number verified at the bank. You can verify your mobile phone number either by calling 67 444 444 (provided that you have Telephone Banking enabled) or by visiting your nearest Swedbank branch.

What’s the Smart-ID?

The Smart-ID is a secure and user-friendly mobile app for authentication and for approval of payments and agreements on the Internet Banking site. The Smart-ID is a convenient alternative to Swedbank’s code cards and security tokens, with a potential to become the secure e-signature in the future.

To use the Smart-ID, you need:

  • A smart device with Android (4.1 or later) or iOS 8.0 (or later) operating system
  • mobile internet or Wi-Fi connection.

How to start using the Smart-ID?


Download the Smart-ID app from

AppStore or Google Play

Create a Smart-ID account

by logging in with the Swedbank code card or security token

Create two PIN codes

select from the PINs generated by the system or create your own:
PIN1 – at least 4 digits
PIN2 – at least 5 digits


Keep your code card or security token as they may be necessary in case you’ve forgotten your PINs and you need to create a new Smart-ID account.

How to use Internet Banking with the Smart-ID?

With the Smart-ID, use Internet Banking just like before, only instead of the code card or security token use:

  • PIN1 – to log on to Internet Banking,
  • PIN2 – to confirm payments, services and agreements.

Choose Smart-ID for log-in

Enter your user ID and identity number, and click “Log in”

Enter your PIN1 in the Smart-ID app

Before that, check if the control codes on the computer and in the app match

Choose any of the payment types

Enter the payment details and click on “Confirm with Smart-ID”

Enter your PIN2 in the Smart-ID app

Before that, check if the control codes on the computer and in the app match


Use the Smart-ID also in Swedbank mobile app!

The Smart-ID app can also be used in the Swedbank mobile app – access the locked section with PIN1 and confirm payments with PIN2.

A control code is an automatically generated 4-digit combination that will be shown both in the Internet Banking window and in the Smart-ID app. The control codes are informative importance for making sure that you're confirming the right transaction with the Smart-ID.

What guarantees that the Smart-ID is secure to use?

The Smart-ID meets all the modern technology and security requirements; your PINs are not stored anywhere but, instead, are cryptographically converted into encoded digit combinations which neither the developer, nor Swedbank can read.

In case of losing your mobile phone or device, nobody else will be able to perform any actions with your account as you are the only one who knows the PINs.

As an additional precaution:

  • Don't disclose your PINs to anyone;
  • Keep your smart device password-protected at all times;
  • Update your smart device regularly.

About developer of the Smart-ID app

Swedbank’s long-standing cooperation partner across the Baltics and the developer of the Smart-ID, the Estonian company SK ID Solution AS is certification services provider with a 15-year track record that issues the secure electronic signature in Estonia, similarly to how the Latvian State Radio and Television Centre (LVRTC) does it in Latvia.

More about SK ID Solution AS:

Smart-ID support:


Frequently Asked Questions

  • About the use of Smart-ID

    How much does Smart-ID cost?

    You can download and use Smart-ID app on the Swedbank Internet Banking site or in the mobile app free of charge.

    If I have Smart-ID, do I no longer need the code card and security token?

    We suggest keeping your code card or security token to be used in situations when it is impossible to use your mobile phone, for instance, when there is no internet coverage, or when the phone is out of battery or broken.

    Likewise, your code card or security token can be used in case you accidentally block your account and need to create a new account, or in case you want to create a new account on a different device.

    Your code card or security token also enables you to close your account in the self-service Smart-ID portal in case you lose your phone.

    Why do I need a third-party app to use Internet Banking?

    Just as with code cards and security tokens, the bank has commissioned a reliable supplier to develop and maintain Smart-ID. The Estonian company SK ID Solution AS has 15 years of experience in providing certification services; it has developed and provides ongoing authentication of secure digital signatures for the Estonian nation-wide system, similarly to the Latvian National Radio and Television Centre, which provides equivalent services in Latvia.

    For additional information visit: www.sk.ee

    What is the control code?

    The control code is an automatically generated 4 digit number displayed in a window of the Internet Banking site and your Smart-ID app. The control codes are introduced to make sure you confirm the right transaction in your Smart-ID app.

    What features are available on the SMART-ID self-service portal?

    The self-service portal allows you to check the status of your account (active or blocked), as well as to block your account.

    Can I use Smart-ID on several devices?

    You have to download and install the Smart-ID app, as well as to create an account on whichever device you want to use. Also, whenever you buy a new smartphone, you have to download and install the Smart-ID app, as well as to create a new account. Switching between devices and creating of new accounts has no effect on your bank account.

    Can I use Smart-ID abroad?

    You can use your Smart-ID whenever you travel outside Latvia, just make sure you remember your PIN codes and have internet connection.

    The use of Smart-ID abroad will not create substantial roaming costs, since a single Smart-ID transaction in average uses merely 5 Kb of data.

    What do I do in case of problems connecting or using Smart-ID?

    Retry in a couple of minutes. If the problem persists, contact Swedbank by phone on 67 444 444 or e-mail at info@swedbank.lv. If the problem is related to the creation of a Smart-ID account, you can contact Smart-ID support service by phone +371 67 665 001 or e-mail help.lv@smart-id.com.

    What are the transaction limits on Smart-ID?

    Your remote banking service contract provisions apply, that is, your Smart-ID account has the same transaction limits as before when you were using the code card.

    Do I have to open the Smart-ID app to use it?

    If you have enabled the push notification feature of the Smart-ID app on your device, notifications will automatically appear on the home screen; tapping the notifications will automatically direct you to the Smart-ID app.

    If the push notifications are disabled for the Smart-ID app, you have to open the app manually to check the control code and enter PIN1 or PIN2.

    Can I use Smart-ID offline?

    No. Smart-ID only works with internet connection – either mobile data or Wi-Fi.

    What is the data usage?

    A single Smart-ID transaction uses a very small amount of data – approximately 5 KB.

    Does Smart-ID provide accessibility for the visually-impaired?

    Visually impaired people can use the “voice” feature which is available in the recent smart devices. With the “voice” or “audio” feature activated, banking services are available both in the Smart-ID app and the Swedbank mobile app.

  • About the Smart-ID account

    Do I have to provide my e-mail address to set up a SMART-ID account?

    It is mandatory to provide either your e-mail address or phone number.

    How do I delete my Smart-ID account?

    Open the Smart-ID app on your smartphone or tablet and select “Delete account” on the menu in the upper left corner.

    If I have several Smart ID accounts on different devices, on which device will I be required to enter the PIN?

    Whenever you want to access your Internet Banking with Smart-ID, the system communicates with all your devices; it is up to you which device you use to open the Smart-ID app and enter PIN1 or PIN2.

    When you open the Smart-ID app on another device, a notification “no transactions found’ will appear.

    When does the Smart-ID account expire?

    The Smart-ID account is active for a period of 3 years. When the expiry date approaches, feel free to delete the existing account and set up a new one.

    I no longer want to use Smart-ID. How do I delete my account?

    You can delete your account in the Smart-ID app or the self-service portal portal.smart-id.com. The procedure has to be performed on all the devices with the Smart-ID app.

    Are other people, e.g., colleagues or family members, allowed to use my Smart-ID account?

    No. However, we suggest you set up separate Smart-ID accounts for each family member or colleague, so that it is possible to trace back each transaction from the bank account to a specific person.

  • About PIN codes

    Do I have to enter different PIN codes when creating another account on a different device?

    When you create another Smart-ID account on a different device, we suggest you use the same PIN1 and PIN2, just to make sure you remember them. However, the system allows to register a new account with different PIN codes for the bank account which is already attached to a Smart-ID account on a different device.

    I forgot my PIN. What do I do?

    We do not keep your PIN codes saved on our systems; therefore, PIN codes cannot be recovered. Delete your existing account from the Smart-ID app and create a new one.

    My PIN has been blocked. Can I unblock it?

    Upon the first instance of entering an incorrect PIN for three consecutive times, it is blocked for 3 hours. The Smart-ID app will display a countdown until you can retry entering the correct PIN.

    On the second instance of entering an incorrect PIN for three consecutive times, it is blocked for 24 hours. The Smart-ID app will display a countdown until you can retry entering the correct PIN.

    On the third instance of entering an incorrect PIN for three consecutive times, it is permanently blocked, and you are required to delete your existing account from the Smart-ID app and create a new one.

    Tap here to learn how to delete a Smart-ID account.

  • About security

    If my device is lost or stolen, can anybody use my Smart-ID?

    In case your device is stolen and someone is trying to “hack” your Smart-ID account, PIN codes are there for you to make sure your data are protected:

    • on the first instance of entering an incorrect PIN for three consecutive times, it is blocked for 3 hours;
    • on the second instance of entering an incorrect PIN for three consecutive times, it is blocked for 24 hours;
    • on the third instance of entering an incorrect PIN for three consecutive times, it is permanently blocked.

    This means that even by acquiring your device or “hacking” your Smart-ID account, the thief will not be able do you any harm. If someone tries to access your bank account by entering random PIN codes, the Smart-ID account is simply blocked.

    What do I do if my device is lost or stolen?

    If your smartphone or tablet is lost or stolen, follow the same procedure as in the event of losing a bank card: immediately contact Swedbank by phone 67 444 444 or Smart-ID support service by phone on 6766 5001, or e-mail at help.lv@smart-id.com.

    Tap here to learn how to delete a Smart-ID account.

    Is it safe to set up several Smart-ID accounts on different devices?

    Yes, it is safe, since Smart-ID can only be used with your PIN codes. Please, keep in mind that in case you have set up the Smart-ID app on several devices, all the respective devices will receive push notifications as you log in to the Internet Banking with Smart-ID.

    ! Stay safe and remember:

    • never disclose your PIN codes to anyone;
    • keep your device protected with a password;
    • update your device software on a regular basis.

The code card is the most convenient solution for people who have basic simple needs - checking account balance, paying utility bills and making other payments of small amounts.
There are maximum limits per account, per user and per channel (EUR 4500 daily limit, EUR 45000 monthly limit) with the code card.

Issuing of the code card is free of charge, replacing a lost card costs 2.13 EUR.

What are the cases when the SMS code is required?

The SMS code is necessary for payments to other banks if the transfer amount exceeds 30 EUR and the payee (recipient) is not on the White List.
The SMS code may also need to be entered for payments below 30 EUR to other banks if the total amount of payments made that day exceeds 150 EUR (payments to Swedbank and other accounts combined) and if the payment is to a payee not on the White List.

Transfer of funds to accounts with other banks Transfer of funds to accounts on the White List Transfer of funds to accounts with Swedbank
Single transfer Above 30 euros SMS code not required SMS code not required
Transfers to another bank if the 150 EUR daily limit is exceeded (Swedbank and other bank accounts combined) Any amount SMS code not required SMS code not required

Important!

  • The SMS code message will be sent free of charge.
  • The text messages will be sent to verified mobile phone numbers only.
  • When logging in to Internet Banking, only a code from the code card will be required, just like before.
  • Payments will be possible also without the SMS code if the payee is on the White List.

A guide on making payments via Internet Banking with the code card and SMS code

White List – an easier way of making transfers

The White List is an opportunity to select and save recipients to whom you frequently transfer money. When making payments to recipients in the White List, no SMS code will be required, and you’ll only need to enter 3 digits of the requested code from the code card.

A guide on creating the White List

The SMS code will also be required additionally for the following operations on Internet Banking:

  • Setting up standing orders and E-Invoice Automated Payment Agreement;
  • Enabling the White List;
  • Adding a payment to the pre-defined payments if the White List is already created;
  • Opening/adding a new account.

Such a payment procedure is in force from 1 April 2017 in accordance with the requirements of EU regulations and the Latvian legislation.

Further information:

How to verify your mobile phone number after 01.04.2017 to receive SMS codes?

If you’ve failed to verify your mobile phone number via Swedbank Internet Banking by 1 April 2017, then you can do it at your nearest Swedbank branch or by phone on 67 444 444 (only if Telephone Banking is enabled in your Remote Banking Services Agreement). When making the call, make sure you have your mobile phone and the code card available for use during the call.

After 01.04.2017, it will be possible to verify the phone number via Internet Banking only by logging in with the eID card.

For your extra safety

  • Always make sure you are entering or confirming your phone number only in the safe Internet Banking environment (after having logged in to Internet Banking)!
  • Please note that bank employees will never call you and ask to disclose your identity data or Internet Banking credentials (such as the user ID, password, codes from the code card)!
  • Keep your mobile phone password-protected! Never disclose that the specific mobile phone number is used for receiving the SMS code from the bank!

Frequently Asked Questions

  • May I register my mobile phone number for another Internet Banking user as well?

    No, it’s not possible. Only one verified mobile phone number per one Internet Banking user is permitted. If the mobile phone number is re-used for another user, then this number will be removed from the previous user and this user will be considered to have no verified mobile phone number.

  • Will I be able to use banking services if I don’t have a mobile phone?

    The code card will still be valid after 01.04.2017 for logging on to Internet Banking and making payments to other accounts within Swedbank. Likewise, transfers of up to 30 EUR to accounts at other banks will be able to be confirmed by the code card.

    If you don’t have a mobile phone, then in order to make payments of over 30 EUR to accounts at other banks, you will need a security token (‘code calculator’) or the eID. Swedbank offers two types of security tokens the purchase price and activation fee of which are specified in the price list.

  • What are the alternatives to the code card + SMS codes?

    To make it easier for you to make payments, we have put together several alternatives to the additional confirmation of payments with the SMS code.

    White List – confirm all your saved pre-defined payments with a single SMS code and from then on make transfers to the payees on the list without entering any additional SMS codes.

    Smart-ID app – an alternative to code cards and security tokens for logging in to Internet Banking and confirming payments using just two PINs. To use the Smart-ID in Swedbank Internet Banking, you need a smart phone, the Smart-ID app and an account in Smart-ID.

  • Will I be able to receive the SMS code when I’m outside Latvia?

    Yes, text messages with the SMS codes can also be received while you’re abroad and the bank will send them free of charge (text messages may be subject to roaming charges; further information is available from your mobile network operator). However, if you travel often, to avoid inconveniences due to possible roaming problems, we recommend using the security token or Smart-ID.
  • What phone numbers may be verified for receiving text messages with the SMS code?

    Any mobile phone number may be verified for this purpose irrespective of the mobile network operator. If you live abroad, you can register a foreign mobile network operator number. Only one verified phone number per one Internet Banking user is permitted.
  • What will my verified mobile phone number be used for?

    Your verified mobile phone number will be used for sending the SMS code in the form of a text message. This same mobile phone number will be used as your contact number in communication with the bank.
  • What to do if I’ve lost the mobile phone whose number I’ve verified for receiving the texts?

    Please immediately notify the bank of it by phone to 67 444 444.
  • Why I’m not receiving the SMS code texts?

    Possible reasons for not receiving the text messages:

    • Text message delivery may be delayed if you’re abroad or in case of overload of the operator’s network.
    • Text message delivery may be shortly delayed if you’re changing your mobile network operator.
    • The mobile network operator may restrict or suspend provision of its services in case of insufficient account balance, expiry of account, arrears, notification of SIM card blocking; exceeded credit limit, etc.
    • The mobile phone may have incorrect settings for incoming text messages resulting in failure to receive texts.
    • Message delivery is automatically blocked on mobile phones running the Windows operating system if the sender is indicated with letters instead of digits (e.g. SWEDBANK, not 1633). In such an event you need to change settings on your phone and remove such senders from the list of blocked senders.

    Important! Contact your operator if you’ve verified your mobile phone number at the bank but still don’t receive the SMS code.

  • What to do if I want to change the mobile phone number I’ve verified?

    After 01.04.2017, to change your verified mobile phone number, call 67 444 444 (only if you have Telephone Banking enabled in your Remote Banking Services Agreement) or visit your nearest Swedbank branch. Make sure you have your mobile phone and the code card available for use during the call with the bank.
  • Why are such additional security measures taken?

    These security measures are introduced in line with an EU regulation that lays down increased security requirements for authentication in online banking. As a basic requirement, the regulation stipulates that at least one unique code must be used for certain transactions in online banking.
  • Do I need to verify the mobile phone number if I’m using the security token, Smart-ID or eID?

    Even if you’re currently using the Smart-ID, security token or the eID signature, we recommend verifying your mobile phone number.
  • Why did you opt for the text message solution?

    In choosing a solution that would meet the latest security requirements, our goal was to provide customers with as user-friendly solution as possible and to use a device that most of us have – a mobile phone.
The code calculator is an electronic device that generates single-use random codes. It is a reliable tool for those who make more transfers, travel often or manage bigger amounts of money. Daily and monthly transaction limits can be selected according to your preferences.

The price of the code calculator is 12.81 EUR.

eID card is the most secure way of authentication. However, please note that your computer needs to be prepared for eID usage and you will be able to use e-signature only on this particular computer.

With the eID card, the daily and monthly transaction limits can be chosen according to your preferences.
The bank provides this service for free, however you need to have the eID card reader and set up your computer.

We use cookies to provide you with a more convenient and safer user experience. By continuing the browsing session or clicking the "I Agree" button, you confirm that you agree to the use of cookies. You can revoke your consent at any time by changing your browser settings and deleting the cookies stored. Read our Cookie Policy.