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Internet bank for private customers

Internet bank for private customers

Convenient and simple financial resource management

  • Adjusts to different devices
  • Possibility to personalise
  • Multi-currency account
  • Smart payment form

We have created internet bank guide to show you, how to use daily bank services remotely, in a simple and understandable way. Functionality for personal and entrepreneur internet bank is almost similar, but you can find options provided only for entrepreneurs in a special section of the guide.

  • Getting started

    Learn, how to start work in the new internet bank.

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  • Security

    What to remember about the safe use of Internet bank and your financial protection.

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  • Payments and accounts

    Find out, how to make payments and follow up their implementation.

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  • Cards

    Complete information about payment cards.

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  • finansēšana jauanjā internetbankā

    Loans

    Bank funds in internet bank are separated from your own money.

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  • SMS bank

    Wide range of options to determine, when and what kind of messages to receive via SMS or e-mail.

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  • Pension and insurance services

    Information about your pension and insurance services.

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  • Jauna internetbanka uzņēmējiem

    Additionally for entrepreneurs

    Functionality for personal and entrepreneur internet bank is almost similar, but here you can find options provided only for entrepreneurs.

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Log in tools to the Internet bank

  • Smart-ID
    Smart-ID

    Smart-ID is a free-of-charge mobile application that enables you to use internet bank and make payments via your PC, smartphone or tablet. After downloading Smart-ID, you would need to create your user profile using the online bank authorization tool.

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  • Code calculator
    Code calculator

    In order to ensure an especially high security level and for you to have the possibility to set the preferred transfer limits regarding the turnover in your account for work in internet bank, we invite you to use the electronic code calculator (digipass).

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  • Code card
    Code card

    The code card is the authorisation means provided by SEB bank enabling you to connect to internet bank and confirm online transactions.

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Starting from June 15, 2017 SEB will introduce limits for payments with code cards - daily limit for transactions to other banks will be decreased to 150 EUR (for each single payment - 30 EUR), but for transactions within SEB bank - to 500 EUR (both - one transaction and daily limit).

Please note that the daily payment limits do not stack. The total amount of daily payments confirmed by code card (within SEB bank and to other banks) will be limited to 500 EUR.

 

Almost all SEB bank services are available also in internet bank – you can make payments, get information about account transactions, control your current accounts, deposit and credit status, as well as apply for other services. It is the most convenient and cost effective way to communicate with the bank, providing 24-hour access to your account anywhere in the world, where you have access to the internet. Internet bank offers lowest commission fees for bank services.

What kind of services are available at internet bank?

  • Different types of payments with possibility to check their progress.
  • Payments with a maximum daily limit of 1,500 EUR or equivalent in another currency using the code card. You can use digipass for larger amounts.
  • Information on your transactions – account balances, card payments, credit, leasing, investment and securities transactions, as well as other services. With SMS bank you can receive text messages on incoming and outgoing payments on your mobile phone or e-mail.
  • Possibility to apply for and make changes to a variety of banking services – 2nd and 3rd pension pillars, automated standing orders, term deposits and other. You can also open a securities account and make transactions within Euro Reserve Fund, as well as SEB investment funds.
  • Create a payments samples and standing orders, which are executed automatically with your specified regularity.

Your personal internet bank data (user ID, password and access code) can also be used for online purchases and 3D secure payment system. 

The bank employs a multi-tier data protection system for your financial security

Using SEB bank internet bank, your finances are in security because the multi-tier data protection system prevents unauthorised parties from accessing your account:

  • Each user has a user code, password, access and authorisation codes of his/her own, known only to him/her.
  • Note the difference between internet bank access codes and authorisation codes. Authorisation codes may be required only to confirm a payment made by you or the changes to internet bank settings made by you. If you have not carried out such activities, however you are asked to give your authorisation code, do not enter it because it may be a sign that your computer has been infected.
  • You have an option to set limits for transfers for each account. The standard limit set by the bank is EUR 750 per transaction and EUR 1,500 per day. If you want to make transfers that exceed the mentioned amounts, you will need the digipass code calculator.
  • For better security, SEB bank offers digipass – an electronic authorisation device that generates access and authorisation codes, ensuring a particularly high level of security.
    Read more about digipass
  • Your working session on the internet bank will be ended automatically after 10 minutes of inactivity.

How to protect your finances using the internet bank?

  • Create a strong password and change it regularly.
  • Prior to carrying out authorisation make sure you are on the official internet bank page – https://ibanka.seb.lv.
  • View your account statements regularly.
  • Never tell anyone about your transactions and the account balance.
  • Change your password if you suspect that someone may have acquired it.
  • Do not email your identification data; do not not reply to email letters supposedly sent on behalf of the bank requesting you to send your identification data (user ID, passwords, access codes, PINs, passport data) or other personal information. If you have any doubts regarding any emails with the information of such nature received, contact us, calling our 24/7 infoline on +371 26668777 and make sure about the authenticity of the information received.
  • For additional security, you can subscribe to the SMS bank service enabling you to learn about transactions in your account. For example, you can subscribe to receive a text message on money transfers from your account to be notified each time the money is deducted or transferred from your account.

How to create and use a password correctly?

  • The only place to enter your internet bank passwords and security codes are the SEB internet bank page https://ibanka.seb.lv. When making a purchase or logging into websites such as latvija.lv, you should be redirected to https://ibanka.seb.lv where you would be required to enter your authorisation data (in order to make sure that you are on the official SEB internet bank website). Never indicate your customer number, password or code card data in any other website, email or a social network. The only time you may be asked to name a part of the code card number is when you have called our 24/7 infoline on +371 26668777, in order to perform authorisation. If you are suspicious of an electronic service provider or the device from which you are working, stop the activity immediately. Please notify us of each instance when somebody is willing to find out this information.
  • Create a password containing at least 9 characters using a combination of numbers, uppercase and lowercase letters or symbols ! = ? + - _. You should definitely avoid using the names or birth dates of your closest relatives or pets in the password. Read: What is a strong password, and how to create it?
  • Memorise your passwords without recording them.
  • Make sure that nobody can watch you as you are entering the password.
  • Make sure that the code card or digipass is available only to you.
  • Subject to logging in successfully or confirming the payment, the system may not require the same code card or digipass code repeatedly. If that happens, make sure you are in the environment of a certified website.
  • Note that there are two types of authorisation means:
    • Access codes that need to be entered to connect to internet bank;
    • Authorisation codes used to confirm payments or changes via internet bank.
  • If the same security codes are being requested in the event of a successful authorisation or in confirmation of the service, your computer may have been infected or somebody is attempting to defraud you. In such cases you should immediately:
    • End the internet bank session by pressing “Exit”.
    • Contact the bank regarding that on +371 26668777 and request blocking of your internet bank. (The fastest way to block your internet bank is to enter a wrong internet bank password 5 times consecutively).

How to make sure that you are using a real, certified internet bank website?

  • Before you enter internet bank access data, we encourage you to make sure that you are using the officially registered and certified internet banking website, i.e., make sure about the security of the created communications channel.
  • In order to do so, you should check the certificate of the website, by clicking on the key pictogram , which most often can be found in the address field of the internet browser software.
  • The certificate should specify the correct address of the internet banking: ibanka.seb.lv, the issuer organization of the certificate: VeriSign, Inc., as well as the validity term.

Mozilla Firefox

Google Chrome

Internet Explorer

Why must not banking and bank card numbers be disclosed, even if there is no money in your account?

  • Even if there is no money in your account that does not mean that you stand nothing to lose by disclosing your information to others. Somebody can use your internet bank to apply for micro loans and access your tax and personal information on the website www.latvija.lv, or even change the place of residence declared by you. Lately, a particularly popular type of fraud has had to do with micro loans in cases when internet bank access codes have become known. This usually takes the form of a job offer where the employer requires “empty” internet bank accesses. No entrepreneur has any reason to ask you to share or know access codes to your own accounts.
  • Also, your account can be used for money laundering or other fraudulent transactions, in which case you may be called to account.
  • If you suspect that your access data has become available to other people, please change your password and contact the bank by calling on +371 26668777.

What to do if you have lost your internet bank code card or digipass?

  • To block the internet bank code card or digipass, you must call our 24/7 infoline immediately on +371 26668777 or call the 24/7 infoline of the company SIA First Data Latvia on +371 67092555.

What to do if you have lost smartphone with Smart-ID?

  • If your phone is lost or stolen, 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.

How to use the Internet and online services securely?

  • When checking emails and social media, beware of mails with attachments or clickable links sent by unknown people. Never click on a suspicious link nor open attachments because they can contain viruses capable of stealing information or damaging devices.
  • Do not visit suspicious websites. Viruses are mainly spread through unsecure websites, emails and file sharing programs.
  • Do not use online services in public places, on WiFi networks not protected with passwords or in places where you are exposed. However, if that has happened, change your internet bank password.
  • Do not use internet bank nor make any payments with cards from unknown or suspicious computers because they can save the codes and passwords entered by you.
  • Before you make a purchase from an unknown online shop, search for any customer reviews regarding it using Google or use any other Internet search tool.
  • If you do not make large purchases on a daily basis, change the transaction amount limits via internet bank and increase the limit only if necessary.
  • Install a legal and reliable antivirus software and regularly update the software.
  • Regularly update your Internet browser.
  • Update the operating system of your computer, because hackers regularly find ways to bypass built-in security systems. Do not use outdated versions that are no longer maintained, such as Windows XP or Internet Explorer 6.
  • If a virus has been identified or offers to install suspicious software start appearing, stop the work you have been doing and log out of internet bank. Using an antivirus software, scan for viruses, and contact your IT support, if necessary.
  • If you see that the carrying out of activities via internet bank takes too long or if after the entering of the password a message about technical problems appears, it means that your computer may have been infected. Notify the bank thereof immediately via the 24/7 infoline on +371 26668777.

Secure online purchases with bank cards

  • Like many traders in Latvia and elsewhere in the world, SEB bank uses the online purchase security system 3D Secure developed by VISA and MasterCard for online purchases. This security system performs an additional checking of the identity of the cardholder and ensures that the card data are particularly safeguarded in the online environment.
  • At the traders’ using this security system (which will be evidenced as Verified by VISA and MasterCard logo SecurCode logos), in addition to the payment card data, you will be required to enter the internet bank data, i.e., your user code, password, and access code.
  • You can connect to internet bank at any branch of SEB bank.
 
Services Fees
Connection to the system Free of charge
Servicing per month Free of charge
Code Card issuance Free of charge
Code Card replacement 2.00 EUR
Digipass issuance1 15.00 EUR
Digipass replacement 15.00 EUR
Remote Digipass unblocking 2.00 EUR
Digipass unblocking in branch 5.00 EUR

 

Users of code cards should take note of SEB bank’s limits for standard operations. The daily limit for transacions authorised with a code card is 500 EUR or the equivalent of this sum in other currencies. Within this limit, the daily total of payments to other banks is limited to 150 EUR, while the transaction limit is 30 EUR per payment. The monthly limit for transactions authorised with a code card is 3,000 EUR or the equivalent of this sum in other currencies.

To change the operation limits, please fill out the application in Internet bank menu Applications or go to the nearest branch of SEB bank.

 


 

1 For Customer Benefit Programme's Silver and Gold club customers issue of Digipass for reduced fees.

Smart-ID – new authorization type

Smart-ID as a convenient and secure authorization solution for the internet bank will gradually replace the code cards.
Read more

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