Internet bank security

It is only through joint effort that we can ensure safety of money

It is a top priority of Swedbank to ensure that its Internet banking system is as secure as possible for you and your money. However, it is extremely important that you keep your wits about you when using the Internet banking service and your computer!

Authentication methods

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.

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.

What to do in emergencies?

If you've lost your Internet Banking access codes or your access credentials are compromised, do not hesitate and call us at any time (since our services are available round-the-clock). The Bank will immediately block access to your Internet Banking user account, and no one else will be able to access money in your bank account(s) with our Bank.

Call us: +371 67 444 444

User rights

In our Internet Banking facility, you can use a number of accounts or select a single account to be used. You can set the use mode for every user and account, limiting the rights of users, e.g. only permitting viewing account information, whereas payments cannot be made.

A company can assign different user rights based on its needs which are divided into profiles: preparation of payments, information, payments and all services (information, payments and agreement concluding). An additional option for payments is double acceptance: another user who has the right to make payments from the same account must always approve payments made by a user if they exceed the amount set by the company.

User limits

You can set daily and monthly limits individually for every user and account. Choose daily and monthly limits that suit your needs and/or the needs of your company.
Limits are user-specific, not applicable for every single account. Note that for code card user limits can be below but not above 4500 EUR a day and 45000 EUR a month. Limits can be modified in any Swedbank branch (make sure you have an identity document with you when visiting branch).

Call-approval limits

You can set limits for call approvals for outgoing payments. If it is exceeded, a bank employee will call the specified contact person and ask for an approval of the payment and its details. Alternatively, your company's representative can call the bank's customer service line and approve the payment upon authorization. Additional approval of the payment will be made by phone. It means that the bank will not execute any payments that exceed the approval limits without approval by the client.

The bank will call you back on weekdays from 9:00 to 18:00. If the employee fails to get in touch with the client, they will try again during the banking day; if they don't succeed, they will try on the next day. If the client is not reached by phone, the payment will be cancelled.

Use the SMS Banking features

Set up being notified by a text messages in case of exceeding outgoing payments and you will receive an SMS alert every time when an outgoing payment exceeds the limit set by you. This way, you will be always up-to-date with your finances or those of your company at any place and time just by the text message.

Browsing session expiration

If you're idle on the Internet Banking site for 15 minutes, you will be prompted to enter the password to continue your Internet Banking session. Time limits protect you in case you forget to log off from the Internet Banking site when leaving the computer.

Blocking user if an incorrect password or PIN has been entered

If an incorrect password has been entered for five times when trying to log on to the Internet Banking site, access to the user account will be blocked.

Session certificate

All Internet Banking data traffic is encrypted.

Internet Banking site certificate

Before starting to enter your log-in credentials, make sure that you have the right URL entered in your Internet browser address bar. The connection must be encrypted and you can see it in the address bar which should begin with https://... Also, an icon security icon is visible at the bottom of the internet browser's window. The icon is a sign of Verisign certificate.

We recommend the following safety measures on computers used for Internet Banking:

  • Install Antivirus software and configure it to automatic update of the virus definitions database (at least one auto-update per day).
  • Install and turn on the local firewall. It should be configured so that it prevents connections from the Internet to your computer.
  • Regularly download and install security updates for all software installed in your computer.
  • Use the latest browser and operating system available.
  • Turn on automatic updates for all software.
  • Set your browser to block pop-ups.

We recommend the following safety measures on mobile devices (smartphones and tablets) used for Internet Banking:

  • Download and install applications only from trusted sources such as the App Store on the iPhone and iPod touch or Google Play on your AndroidTM device or Windows Phone apps store.
  • Do not root or jailbreak your mobile device to get around limitations set by your carrier or device manufacturer. It will remove protections built into the device to defend against mobile threats.
  • Configure your mobile device to automatically download and install updates for all software installed on it.
  • Use the latest browser and operating system available.

Suspicious e-mails or calls. Be cautious and on your guard!

Sometimes you may receive phone calls or letters allegedly from 'bank employees' or other 'officials' asking you to reveal your secret codes. As a general rule such phishing is designed to trick somebody into disclosing their bank or credit card information by sending fraudulent e-mails purporting to be from a bank, Internet service provider, etc. asking for verification of account numbers or passwords.

  • Internet banking users must not disclose secret internet bank codes information to anybody even if threatened or promised substantial financial reward for it.
  • Internet banking users are encouraged to call the bank and inform it of any suspicious e-mails or phone calls asking them to supply or confirm information concerning their secret internet banking access codes.
  • Internet banking users must not click on links contained in suspicious e-mails, open any attachments or reply to them.
  • Swedbank never sends e-mails asking to provide your user ID, passwords or code card numbers, or any links to websites where any of your data have to be entered.
  • Swedbank never sends any e-mails asking to install additional software to improve Internet banking usability.

If you suffered something similar please report incident to the bank phishing@swedbank.lv.

Safe browsing

  • Threat suspicious files with caution and do not open them. Do not open files from anyone you don't know or if you are not convinced that it is safe to do so. Also be wary of suspicious files from people you know - they may be infected and the file in question may be a virus or spyware. Most often viruses are contained in files with the extensions .exe, .com, .bat, .vb, .vbs, .js, .scr and .pif.
    Viruses may also be present in Microsoft Office documents, so it is well worth to exercise caution when opening them and to select 'No' when Word asks if you want to run a macro (program script).
  • When you finish your Internet banking session, log off (by clicking on “Exit") and close your Internet browser (by clicking on “X" sign). This is obligatory even if you leave your computer unattended for a little while. By following this advice, you will protect yourself against your computer (and your bank accounts) being accessed by other persons.
  • If possible, avoid banking online at public places (Internet cafes, libraries etc.) However, if you must do so, always make sure that you close the browser after banking online and change your login password as soon as possible.
  • Do not log in to your computer using a user profile with administrator rights in your day-to-day work.
  • Turn your computer off when you don't use it. Nobody can hack a computer which is offline.

Protect your internet bank access codes

  • Do not, under any circumstances, share details of your secret internet banking codes with other persons, including your family members, friends or the Bank's employees. If you want your family members to manage money in your bank account(s) with Swedbank, ask the Bank to issue internet banking access codes to your selected persons too. Remember that all internet banking login details (user ID, codes, passwords, etc.) are essentially the key to accessing your money.
  • Keep the code card out of sight or reach of strangers and other persons. Do not write your ID number on it.
  • Never send internet banking access details via email.
  • Do not store your password or PIN together with the security token.
  • Your permanent password should be hard to guess and consist of illogical set of numbers, letters and other characters. Telephone numbers, personal names or other information related to you should be avoided. Choose a password that contains 8 to 16 characters.
  • Change your password in every 40 days.
  • Your PIN should not coincide with any part of your phone number. Avoid choosing a PIN resembling dates.
  • Change your permanent password or PIN immediately if you suspect that other person might have accessed your internet banking credentials.

Keep an eye on the movement of finances in your account

  • Keep track of transactions in your account on a regular basis.

Use free online virus scanners to verify that your computer is safe:

  • What is important when using online banking?

    • In Swedbank Internet Banking you can select operations by clicking on the desired menu.
    • Unlike with regular browsers, you cannot use the Back, Forward or Refresh (Reload) buttons, all orders must be given from menus.
    • If you press a button but there is no immediate response, do not press the button again. It may be related to a temporary Internet or the bank's server slowdown, and if you press the button again, one more order will be sent to the bank. This kind of cases are usually detected but it may cause financial inconveniences for you.
    • To receive precise instructions on performing specific operations, please refer to Swedbank Internet Banking help instruction.
    • For fast navigation, there is a Site Map on the upper right corner of Swedbank Internet Banking, which will help you to find the necessary section quickly.
    • All users, who have been passive (inactive) for 10 - 15 minutes, are logged out from the system. The user won't know it immediately, and it will show only by pressing a button from menus. If you entered some information (e.g. filled out a payment order form) during this time, the bank won't receive this information and you will have to log on to the system anew.
    • We recommend avoiding lengthy pauses when information is entered.
    • If a technical kind of error occurs and your Swedbank Internet Banking session has been erroneously closed, you can re-log on to the system right away and continue your work.

    Internet Banking Security

    Security in Internet Banking is bilateral - on the one part, it is ensured by Swedbank through constant development and monitoring of its electronic channels, and, on the other part, the user himself or herself takes care of safety of his or her computer and adheres to the principles of financial safety on the web.

    • Keeping username and password secret, storing the means of authentication at a location accessible to the user only;
    • Use of anti-viruses and security software;
    • Non-disclosure of details necessary for use of electronic services. It is important to keep in mind that the bank will never e-mail or call you to ask such data as Internet Banking password or codes from the code card or security token.
  • How to log in with a code card?

    1. Open Swedbank Internet Banking website
    2. In the window displayed after opening Swedbank Internet Banking website, use the relevant fields to enter your User ID and the permanent password and press "Log in"

      • the User ID consists of 6 or 7 digits and it is indicated in the "Remote Banking Services Agreement" under Section "User ID".
      • the password is provided in the closed envelope, which you received upon signing the "Remote Banking Services Agreement" and which has "Password" written on it.
    3. Enter the requested 6-digit code from the code card in the window displayed. Press "Log in".
    4. If you are logging on for the first time, you will be requested to change the permanent password:

      • re-enter the current permanent password in the first field;
      • use the second field to enter a new permanent password. It may be any word in length of 8 up to 16 characters;
      • use the third field to re-enter the new password.

      Press "Save Changes".

  • How to login with a digipass?

    1. Open Swedbank Internet Banking website
    2. In the window displayed after opening Swedbank Internet Banking website, click on "Code Calculator", use the relevant fields to enter your User ID and the 8-character code generated by the code calculator

      Step-by-step instructions on how to log in with the code calculator

      Press "Log in"

  • How to log in with eID?

    1. Open Swedbank Internet Banking website
    2. In the main window choose eID card and in the field "User ID" type your user ID number which contains 6 or 7 digits and can be found in the "Remote banking services agreement". Then press "Log in"
    3. In the PIN field enter the requested eID PIN, then press "OK".

      Each eID card user is issued PIN codes in a closed envelope when he is receiving his eID at Office of Citizenship and Migration Affairs, once the agreement on certification services has been signed.

      In case of using web browser Internet Explorer:

      In case of using one of the web broswers FireFox, Google Chrome or Opera, PIN window can differ. Please pay attention to the entering of right PIN (PIN1, PIN1 and/or PIN2, PIN2 and/or PIN1).

    To access Internet banking with eID you will need:

    • You will require eID card (electronic identification card) - personal identification document, which can be used to prove identity and legal status of a person both when the person is present and remotely (electronically). In Latvia eID is issued by Office of Citizenship and Migration Affairs (OCMA).
    • You can find out about the nearest OCMA divisions on OCMA home page http://www.pmlp.gov.lv/en/ by choosing Contacts or by calling 8300 (for local numbers).
    • Each eID card contains an authentification and qualified electronic signature certificate, which is activated when eID is issued at OCMA.
    • Your computer will require a chip card reader, in which eID card is to inserted with its chip facing top. The chip card reader light has to shine uninterrupted.
    • A respective middleware version has to be installed, depending on your operational system. You can check whether certificates are being read correctly by opening the section "Card information" in the middleware, in which eID owner's data has to appear. In case of using web broswere FireFox or Opera, it must be configured additionally.

    The services of secure electronic signature are being provided by the Office of Citizenship and Migration Affairs (VAS "Latvijas Valsts radio un televīzijas centrs"). Please address your questions about the use of secure eSignature in your eID card by e-mail eparaksts@eparaksts.lv, by asking on eparaksts.lv forum or by calling 67018989.

  • How to make payments via Swedbank Internet Banking?

    To make a payment:

    • Click on the "Payments > Domestic payments" section.
    • Select the necessary payment type, fill out the required information and press button "Confirm payment".
    • The prepared payment will be displayed for verification as to whether all data is entered correctly.
    • In the blank field, re-enter the payment amount, enter the necessary code from code card or code calculator and press "Confirm".

    If You are using an eID card, please enter PIN 2 code and press "Continue".

    The new option to confirm several payments together with a single code.

    You no longer need to confirm each payment separately. Fill out the payment form and simply save it by clicking the "Save as unconfirmed payment" button instead of the usual "Confirm payment" button. In section "Unconfirmed payments", you will see all unconfirmed payments and you can select one, several or all of the payments and confirm them with a single code.

  • How to log out from Swedbank Internet Banking?

    To stop working in Swedbank Internet Banking, click "Exit" on the top of the page. This must be always done to stop using Swedbank Internet Banking.