Beware of scammers calling and asking for card and Internet Banking details or Smart-ID codes. Keep in mind - confirm with the Smart-ID or PIN calculator only the operations that you’ve initiated yourself (such as logging in to Internet Banking, making payments, registering the mobile app on a new device etc.).

Currently, visits to branches are possible by prior appointment only. Book an appointment

Authentication tools and security

Log in and confirm operations in any way you prefer!

Choose an authentication tool that best suits your needs and lifestyle. Access Swedbank’s digital environment with your preferred tools:

  • Smart-ID
  • Biometric data – your fingerprint or face recognition
  • PIN calculator
  • Personal eID card

What’s the Smart-ID?

Smart-ID is a free mobile app for conveniently logging in, making payments and signing agreements on the Swedbank Internet Banking site and the mobile app.

To use the Smart-ID, you need:

  • A smart phone with Android 4.1 (or later version) or iOS 8.0 (or later version) operating system;
  • Mobile internet or Wi-Fi connection.

Smart-ID Basic

  • can be registered on your own, using the PIN calculator, eID card or Smart-ID;
  • improved electronic signature with non-qualified certificate;
  • can be used for e-services offered by banks.

Smart-ID qualified electronic signature (QES)

  • register on your own using biometric identification (if you’ve previously had a Smart-ID account), register at branch together with a consultant, or in the Smart-ID portal with the eID card;
  • can be used for logging on with e-services providers that have an agreement with SK ID Solutions AS;
  • possibility to sign documents with qualified electronic signature which is equivalent to a document signed by hand.
Book a consultation

The Smart-ID mobile app can be downloaded and used in both the personal and the business version of Internet Banking service.

Smart-ID Basic account with PIN calculator or Smart-ID
  1. Download the Smart-ID app.
  2. Register and create a Smart-ID account.
  3. Create and memorize PIN1 and PIN2 codes.
  4. Confirm the PIN codes and your data.
Smart-ID* account with biometric identification

Use biometric identification and register the Smart-ID with passport or eID. Most suitable solution in case:

  • a new device has been purchased;
  • Smart-ID is about to expire or has expired;
  • you wish to change the Smart-ID PINs;
  • you need to upgrade your Smart-ID account, from Smart-ID Basic to Smart-ID Qualified Electronic Signature.

To use the biometric identification, you need to have a valid Smart-ID or have had a Smart-ID account in the past.

Watch tutorial
Register Smart-ID at Branch
 

To register Smart-ID with consultant’s assistance:

  1. Download Smart-ID app
  2. Visit a branch
  3. Bring your Android or iOS smart device
  4. Bring your identity document – passport or ID card

To save time, book a consultation in advance here via Internet Banking.

Book a consultation
Smart-ID* account with eID card
 
  1. Download the Smart-ID app.
  2. Prepare your eID. Make sure in advance that you have the eID card with valid certificates and PIN codes, and have the necessary eID card software installed.
  3. Insert your eID card in a compatible card reader.
  4. Open the link “Registration with eID”.
  5. Register and create your Smart-ID account.
  6. Create and memorize PIN1 and PIN2 codes.
  7. Confirm the PIN codes and your data.

* Smart-ID Qualified Electronic Signature. Read more

Why does the Smart-ID expire?

Just like you need to renew your passport and/or ID card time from time, also electronic signatures issued via Smart-ID must meet various legal requirements, one of which is renewal of Smart-ID every three years. This will verify that your Smart-ID is linked to the relevant person and their personal data.

What happens if Smart-ID is not renewed?

If the date of expiry arrives before you’ve managed to renew the Smart-ID, you will no longer be able to continue using it to access Internet Banking, receive e-services, confirm transactions or sign documents.

How to find out the expiry date of my Smart-ID?

You have several options:

You can always check the status of your Smart-ID in the app: “User info” → “Account active until:”

Do I need the device where my Smart-ID was initially installed to renew the Smart-ID?

Yes, because the Smart-ID account is linked to the device. The renewal process is performed on the same device if the app has been updated to version 18. The old Smart-ID account is deleted during the renewal process because a new account is registered.

How to update the Smart-ID app version?

If the user has enabled automatic updating of all apps, the new version of the Smart-ID app will be installed automatically and the user does not need to do anything.

If the user has not enabled automatic updates, this can be done manually. The user needs to go Google Play or AppStore, locate the Smart-ID app and choose “Update”.

How to renew your Smart-ID account?

There are several ways to do it. Choose the one that suits you best:

  • Do the renewal yourself via the Smart-ID app in Smart-ID Basic if the app has been updated to version 18; follow the guide in the link: Smart-ID page
  • Register Smart-ID QES on your own with biometric identification or eID card
  • Go to branch, book the consultation in advance

What is Smart-ID biometric identification?

Smart-ID biometric identification is the latest and most innovative Smart-ID remote registration method.

To use the automatic biometric identification, you need to have had a Smart-ID account in the past. In addition to the above, you need:

  • a passport or eID card;
  • a smart device with NFC support;
  • a smart device with a camera;
  • Android version 5 or iOS 13;
  • access to mobile phone number/e-mail that was specified for previously registered Smart-ID account.

When should the Smart-ID biometric identification be used for Smart-ID registration?

The automatic biometric identification method is very convenient for all users. Users are recommended use biometric identification if:

  • they wish to change the Smart-ID PIN codes;
  • a new device has been purchased;
  • Smart-ID is about to expire or has expired;
  • they want to upgrade their Smart-ID account, from Smart-ID Basic to Smart-ID Qualified Electronic Signature.

Important! To use the biometric identification, you need to have a valid Smart-ID or have had a Smart-ID account in the past.

If you’re a Swedbank customer, then to enable the option to log in to Internet Banking with Smart-ID Basic registered at another bank, please log in with the code card, PIN calculator or eID card and activate the Smart-ID on the “Settings” page under “My contacts and settings.

If you’re a Swedbank customer and you have Smart-ID QES that is registered with another bank, you can log in to Swedbank Internet Banking without activation using the registered Smart-ID QES.

You’re not a Swedbank customer yet, you can apply for account opening here.

Tutorials

How to create a Smart-ID account?
How to create a Smart-ID account?

Watch the video

How to renew Smart-ID yourself in case of a new phone?
How to renew Smart-ID yourself in case of a new phone?

Watch the video

Instruction

What to do if you’ve forgotten the PIN codes?
What to do if you’ve forgotten the PIN codes?

Watch the video

You can log in to the Swedbank app and confirm transfers extra conveniently by using your biometric data – you won’t have to memorize or enter any codes! Biometric data is the most unique data by which to identify and authenticate you in the digital banking environment.

Remember! In order to use your biometric data in the Swedbank app, you need to enable usage of biometrics in your smart device settings. Your device must have a fingerprint or face recognition sensor.

Instructions for activating biometrics on a smart device or mobile app:

By using fingerprint or face recognition sensors in your smart device you can:

  • Log in to your Swedbank app
  • View your account balance instantly and conveniently
  • Confirm payments (up to 100 euros 10 times in a row)
  • Manage your cards (block & unblock them, change their limits)
  • Repay outstanding credit card limit
  • Through the “Services” section of the app, you can access Internet Banking without any additional login

What is the PIN calculator?

The PIN calculator is an electronic device that generates single-use, random codes. The PIN calculator is a suitable solution for you if you’re not a resident of Latvia or don’t use any smart device.

DP260

DP300C

DP301CV

Remote access to banking
Payment and agreement confirmation
Size, cm 5x8 8x14 8x14
Advantages Compact Easy to use, with big buttons, suitable for seniors and persons with reduced mobility Easy to use, with big buttons + audio playback, suitable for visually impaired users
Instruction Instruction on how to log on to Internet Banking with the PIN calculator (Digipass 260) Instruction on how to log on to Internet Banking with the PIN calculator (Digipass 300C)

Learn more

Full price list

Learn more

Full price list

Learn more

Full price list

eID card with the eSignature is designed to make everyday life easier. It allows confirming agreements, invoices and other documents electronically.

eID card is a way of proving your identity also in the digital environment. The computer must be properly prepared before the eID card and the signature embedded in it can be used.

How to start using the eID card?

  1. Order the eID card with electronic signature certificate
  2. Buy a card reader
  3. Prepare your computer for work with the eID card

How to set up Smart-ID with eID?

Setting up the qualified Smart-ID requires:

  • A smart phone with Android (4.1 or later) or iOS (8.0 or later) operating system
  • A computer ready for work with the eID card
  • eID card with valid certificates and PINs
  • eID card reader
How to register a Smart-ID account using an ID-card

What to do in emergencies?

If you've lost your card or any data used in your Authentication tools or if you suspect that they‘re disclosed to other people, immediately call us at any time of the day or night. We will block your card or access to Internet Bank account immediately and no one else will be able to access money in your bank accounts.

  • For private clients: call (+371 67444444).
  • For business clients: call (+371 67444444).

We will also automatically block access to Internet Bank if incorrect login data (User ID or code from the PIN code generator) is entered 5 times in a row. You can unblock it by calling us at (+371 67444444). In case of a repeated block, you will have to visit the bank’s branch. You should book a visit in advance. Have you discovered any unauthorised transactions on your account performed prior to the blocking of Internet Bank access? Review your account statement and submit the information to us.

Secure your login data

  • You shouldn’t confirm transactions or logins to internet bank or app, which are not initiated by you under no circumstances.
  • You shouldn’t ever disclose your personal data or data used for login to internet bank & app to other persons, including family members, friends or bank employees, unless you are calling to the bank.
  • Do not write down, send by e-mail, SMS, etc. or otherwise save any confidential codes and passwords to unlock the screen of your computer or mobile phone. Create complex passwords, that are difficult to guess, memorise them and change them regularly. When creating PIN codes, be sure to make PIN codes in random number combination. Do not use combinations, such as 1111, 1234, dates of birth other personal details etc.
  • Remember that your User ID number is as important as your personal code, thus pay a great deal of attention to its security.
  • Keep in mind that after login you will have access to many services including external ones which do not require additional authentication.

Closing browsing session

The login session is terminated when no activity happens for 5 minutes. You will be asked to re-enter your login details. Time limits are used for security reasons, to prevent Internet Bank access if a user forgets to log off from his/her account after finishing using the Internet Bank.

Once you finish Internet Bank session, log off (by clicking 'Logoff') and close the browser.

Address of the Internet Bank website

On the computer:

By clicking on the lock sign you should see the correct Swedbank certificate:

On the smart device:

Before entering your login data, make sure that the website domain is “swedbank.lv”.

Take a moment to familiarise with our security recommendations:

  • Do not share your personal authentication means. If you want to give your family members or your employees rights to manage funds on your accounts, please, request the Bank to grant them respective rights. They will be able to use company’s accounts on behalf of their own and by using their own personal authentication means. You can revoke these rights at any time. It is also possible to order a supplementary card linked to your account for a family member to use.. Sharing the same authentication mean between the employees or family members is strictly forbidden.
  • Remember, that security of all your data (User ID, PIN codes, mobile phone number provided to the bank, personal number, etc.) is the key for protecting an access to your money.
  • If you’re using a public computer, avoid entering personal information as there might be malware that records your details.
  • Do not keep User ID number together with authentication means and their confidential codes.
  • Never send authentication data by email.
  • Never disclose your login information, unless you are initiating the call with the bank. No one has the right to request you to provide your personal number and authentication mean by phone. If you receive a call from a person stating he is an employee of the bank, end the conversation immediately.
  • Your Smart-ID or PIN code generator PINs should not coincide with any part of your phone number or the sequence of numbers.
  • Always compare control number and read “see what you sign” if available.
  • By entering PIN2 of Smart-ID you are usually confirming a payment or an agreement. Be extra careful when doing it.
  • You will get an SMS when new Smart ID account is created. Contact bank immediately if it wasn’t you who created Smart ID.

When accessing internet bank via a laptop or stationary computer, follow these safety measures:

  • Install antivirus software and configure it to automatic update of the virus definitions database (at least one auto-update per day).
  • Install the local firewall. It should be configured so that it prevents connections from the Internet to your computer.
  • Use the latest browser and operating system available.
  • Turn on automatic updates for all software. If it cannot be updated automatically, regularly check on its latest software.
  • Set your browser to block pop-ups.

Check computer safety

  • More information on the ways to secure your device and to safely use other Internet services is available on the following websites:

https://cert.lv/lv.

Do not forget to follow safety measures when accessing internet bank via mobile devices:

  • Download applications only from trusted sources such as the App Store, Google Play or Windows Phone Apps – Microsoft store.
  • Do not jailbreak your mobile device to get around limitations set by your mobile network operator or device manufacturer. It will remove protections built into the device to defend against mobile threats.
  • Always screen lock your smart phone or any of your computers. If several levels of screen lock security are offered, always use the highest security level.
  • Do not allow other persons to use your phone or tablet were Swedbank App is installed.
  • Do not reveal the screen lock codes to other persons and do not allow to unlock your phone with other persons’ biometric data.
  • Use antivirus software.
  • Always adhere to the requirements or security alerts of the manufacturer of your phone device.

When shopping online, be prudent with your personal and financial data. Properly assess the threats, which you may encounter on the internet. We recommend to ensure protection of personal devices and always follow these safety tips:

  • Shop in reliable shops only. It is always safe to buy goods and services in well-known Lithuanian and foreign e-shops with a good reputation. Take a critical approach to unknown sellers and try to find out more information about their activity. Study public internet feedback about a specific online shop. Find out whether the website presents detailed contact data of its administrator (address, phone, email, etc.), and make sure it does not contain various errors in their links (additional words or letters, strange symbols), popup windows, advertisings, a great number of links instead of informative content.
  • Be cautious about discounts. You have found a high-quality product offered at a particularly low price? Before making a payment order, be sure that the company that offers the product really exists and is trustworthy. Be careful about advertisements in social networks. They may lead you to a fake online shop.
  • Safe shopping by card. When shopping in foreign e-shops, the most common way of payment is by card. In this case you will have to indicate the details of your payment card. If an online shop participates in international security programmes, special logos such as “MasterCard SecureCode”, and “Verified by Visa” for Visa cards are used in this shop. You may be redirected to internet bank to confirm payment transaction by logging in. Learn more about “Safe online shopping” programme here. Before making payment in online shop, please evaluate safety of such online shop and study public internet feedback about its activity.
  • Safe payment via electronic banking system. When shopping in Latvian online shops, usually you will be redirected to Swedbank internet bank account. You will recognise it from the Swedbank logo and internet bank address: https://www.swedbank.lv/banklink. It confirms that payment is made directly through the bank system. After you enter your login details, the website will automatically display the generated payment form.
  • Third party providers. As of 14/09/2019, when you shop online, you might be offered to use payment initiation service, offered by payment institution (PISP), other than the bank, to pay for goods or services. If you choose to initiate payment from your account, kept with the bank, you might be asked to fill in the payment order form in the PISP’s environment, and give your consent to transfer data, necessary for performance of payment transaction, and later to confirm payment order with the Swedbank internet bank authentication mean. If you have noticed any transaction in the account statement, not authorised by you, inform us immediately by calling +371 67444444 (for private clients) or +371 67444444 (for business clients).

Suspicious SMS messages. Stay alert!

  • Fraudsters could impersonalize bank by sending fraudulent SMS under our name to obtain personal and Authentication mean data. These messages usually offer to click on an indicated link, to open an attachment or to call the indicated phone number in order to allegedly update, revise, check or activate your account in internet bank.
  • Never answer to a SMS message requesting you to submit confidential data. Never click on the links and do not open attachments from the unknown sender because this way you can activate a virus, or you will be redirected to a fraudulent website.
  • In case you are clicked on the link and were redirected to a website resembling our site, do not enter any requested data and contact us. Here you can find the information on how you can recognise the authentic website.
  • If you suspect that other persons have gained access to your login data, contact us immediately.

Suspicious emails or calls. Be cautious!

  • If you receive a suspicious call or email from an alleged “bank employee” or “police officer” requesting you to disclose confidential login details – under no circumstances disclose such information. Do not trust this person only because he or she knows something about you. Fraudsters can have different scenarios to steal money (they request to update data; inform about suspicious bank transactions, etc.), yet they have one common feature – they request to disclose confidential internet bank login data or to enter the generated code of Authentication mean and transaction confirmation.
  • Neither bank employees nor representatives of law enforcement or other institutions contact residents requesting them to disclose their Internet Bank details (User ID, PIN codes, etc.) or initiate as well as confirm transactions not initiated by you. Therefore, stay alert and do not open suspicious emails. Make sure that you log in to the Internet Bank via the right website (https://www.swedbank.lv).

Here are some of the most common indicators that a phone call or email or SMS that you have received is most likely a scam or an attack:

  • Any message that communicates a tremendous sense of urgency. The criminals are trying to rush you into making a mistake.
  • Any message that pressures you into bypassing or ignoring our policies and procedures.
  • Any message that promotes possibilities to gain high profit. If it sounds too good to be true, it probably is.
  • Be very suspicious of any phone call or message that pretends to be an official or government organization urging you to take immediate action.

You have found the security flaw? Notify us!

It is important for us at Swedbank that our customers can feel safe and secure when managing their monetary affairs with our electronic channels. Therefore, we seek to ensure the highest security level in IT systems. Despite this, an error may slip by. If you have found a security flaw, we would like to hear more about it to be able to correct the problem as soon as possible.

How do you report?

Send an email to us at responsible-disclosure@swedbank.com. We prefer that you use our public PGP key to protect the information you send over. Make sure to have included the following information:

  • Detailed description of the vulnerability containing such info as URL and type of vulnerability;
  • The necessary information that we need in order to reproduce the problem;
  • If applicable, a screenshot of the vulnerability you have found;
  • Contact information, name and surname, email, phone number, and your public PGP key (if you have one).

This personal data submitted by you will be processed by Swedbank in order to inform you about the analysis of IT security flaws noticed by you and their correction, and, if necessary, to contact you regarding the revision of the information submitted by you. More information about Swedbank’s data processing procedure is available in the Swedbank Principles of Processing Personal Data at www.swedbank.lv.

What can you report?

You can report security flaws that you have found in any of our services. Examples of security flaws are cross-site scripting, flaws in encryption or flaws with security implications in logic controls. The reporting service is not designated for other logical errors, errors in texts, questions about our services, questions about the security of our services or similar.

What can you expect from Swedbank?

We will confirm that we have received your description, continuously keep you updated while we process the issue, and inform you when the issue is fixed. Claims for compensation as a condition for sending in a vulnerability are not accepted.

What is required from you?

It is important for both us and our clients that you follow good practice, i.e. that:

  • You do not use the vulnerability to access or attempt to access information that does not belong to you;
  • You do not use the vulnerability to remove or modify information;
  • You do not affect the availability of our services;
  • You give us an opportunity to fix the reported vulnerability before going public with it.

Can you file a report anonymously?

Yes, but then we cannot respond back and keep you updated on the status.

PGP key

PGP key

Key ID: 0x0AD6CCAF

Control code: 2D14 4030 6D4B 68C3 F286 3AC6 333B E8E4 0AD6 CCAF

You have doubts regarding the security? Notify us!

Contact us 24/7 via +371 67444444, if:

  • you have noticed suspicious operations on your account;
  • you suspect that third persons have received access to your Internet Bank;
  • you have faced fraudulent actions aimed at obtaining login data from you or misappropriate your funds;

Warning about emerging cases of fraud we announce at security section https://blog.swedbank.lv and the Internet Bank login window. If you have noticed suspicious operations on your account, we can contact you personally. But you have to remember that bank employees contacting you by phone never ask to provide login data, passwords, PIN codes or other secret information. Bank employees may ask for certain login data only in cases, when you personally contact them via the phone numbers shown above and only for personal identification purposes.