Internetbank usage

  • Try it out today!

    New! Smart-ID – the smartest key for your Internet Banking

    All you need is the Smart-ID app and 2 PINs: PIN1 – for logging in to Internet Banking, and PIN2 - for making payments and signing contracts.

    • For everyday situations, you can leave the code card or security token at home*
    • Only you know your PINs as they are not stored or sent anywhere
    • Smart-ID is free to download and use
    • Download the Smart-ID app from AppStore or Google Play

    *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.

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

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.

    Can I set up several Smart-ID accounts on the same device?

    If you use a device with Android OS, you can set up several accounts in the Smart-ID app (e.g. one for personal and one for corporate purposes).

    If you use a device with iOS, you can only set up one account in the Smart-ID app.

    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.

  • In what cases I must enter the additional security code?

    You will have to enter the additional security code received via SMS when making money transfers exceeding the following amounts:

    Amount per one transfer Amount per day
    Money transfers to accounts at other banks Over 30 euros Over 150 euros
    Money transfers to Swedbank accounts - -

    If the amount per one transfer does not exceed 30 euros, you will have to enter only the code from the code card.

    The security code SMS will be sent to clients free of charge.

    The security code received via SMS must be additionally entered in the following cases:

    • when paying e-invoices (if no automated payment agreement is set up) by transferring money to accounts at other banks if the amount per one transfer exceeds EUR 30.00;
    • when setting up the e-invoice automated payment agreement;
    • when making changes to the section “Contact details”;
    • when confirming the created lists of defined payments in order to make payments without an SMS code.

    Additional information:

  • Defined payments - easier to make transfers

    If you create your personal list of defined/saved payments, you may switch off the request for an SMS code for these payments when necessary. You will have to confirm the overall list by entering the SMS code once, but after that you will not be asked to enter the additional security code when making payments to recipients in the list.

  • Will it be possible to confirm my mobile number after 1.04.2017?

    If you do not confirm your mobile number via Swedbank Internet Banking by 1 April 2017, you will be able to do that by going to the nearest Swedbank branch or calling 67 444 444 (only if the Telephone bank is connected when setting up the remote banking services agreement). When calling the above number, you must have your mobile telephone and code card on hand to use them during your conversation with the consultant.

    After 1.04.2017, you will be able to confirm your mobile number only by getting authorised with an eID card or code calculator.

  • Why can I not receive an SMS message with the verification code?

    The bank sends an SMS message with security codes immediately after the client presses the relevant button in the Internet Banking portal. In some cases (for example, when the client is abroad or the client's mobile network is overloaded), the delivery of the SMS message from the bank may be delayed for reasons beyond the bank's control. If the client does not receive the SMS message at all, it is typically due to the mobile phone itself or the services provided by the mobile network operator. In such cases, the client usually receives neither bank's SMS messages, nor any other SMS messages. The causes for not receiving SMS messages may be the following:

    • limited or suspended provision of services: in certain cases, the mobile network operator may limit or suspend the provision of services (not only sending, but also the receipt of SMS messages). Operators may do this due to a number of reasons: insufficient balance in the account, expired account, debt, a message on blocking a SIM card is received, the credit limit is exceeded, etc. Please contact your operator to find out additional information;
    • incorrect SMS settings: the phone may have incorrect incoming message settings resulting in the client not receiving SMS messages;
    • the client uses a phone with the Windows operating system: the receipt of messages is automatically blocked on phones with the Windows operating system, if the sender is indicated with letters, not digits (for example, SWEDBANK instead of 1633). In such case, the client has to change the phone settings and remove the said senders from the list of blocked senders.
  • Will the SMS solution be available also abroad?

    Yes, you can receive SMS messages with security codes also abroad. However, in order to avoid any inconvenience in relation to possible roaming interference, we recommend to often-travelling clients to use a code calculator.
  • What phone number can I confirm to receive security SMS messages?

    You can confirm any mobile number for this purpose regardless of the mobile network operator. If you live abroad, you can register foreign mobile network operator numbers. One Internet Banking user may confirm only one phone number.
  • For what purposes will my confirmed phone number be used?

    Your confirmed phone number will be used to send you an SMS containing a security code. The same phone number will be used as your contact phone number for communication with the bank.
  • What to do if I have lost the mobile phone the number of which was confirmed to receive SMS messages?

    Please notify the bank immediately by calling 67 444 444 or going to the nearest branch of the bank.
  • What to do if I want to change my confirmed phone number?

    Until 1.04.2017, you will be able to change and confirm your phone number in the Internet Banking section My contacts and settings/Contact details.

    After 1.04.2017, you can do this by calling 67 444 444 (only if the Telephone bank is connected when setting up the remote banking services agreement). When calling the above number, you must have your mobile phone and code card on hand to use them during your conversation with the consultant. You can change your confirmed phone number also in the nearest branch of the bank.

    You will be able to change your phone number in the Internet Banking portal only by getting authorised with an eID card or code calculator.

  • Why are these additional security measures introduced?

    These security measures are introduced pursuant to the EU regulation laying down increased security requirements for authentication in Internet Banking portals. The fundamental requirement of the regulation is that at least one unique code must be used for certain transactions in the Internet Banking portal.
  • Do I have to confirm my phone number if I use a code calculator or an eID signature?

    If you currently use a code calculator or an eID signature, we recommend confirming your mobile number, because in future it will become a safe communication tool or even an authentication tool for cooperation with the bank.
  • Why has the bank chosen the SMS solution?

    When choosing a solution that would comply with the new security requirements, our aim was to offer our clients the most convenient solution possible and to use a tool that is available to most people - a mobile phone.
  • Security

    Please always make sure that you enter your mobile number correctly and confirm it only in the safe Internet Banking environment (after getting authorised)!

    Please note that bank employees will never call clients and ask to disclose their personal data or Internet Banking authentication data (for example, the user ID, permanent password, code from the code card)!

    For security purposes, your mobile telephone must be protected with a security password. Under no circumstances can you disclose that the particular telephone number is used to receive additional security messages.

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.