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Smart-ID

Smart-ID is a free-of-charge mobile application that enables you to connect to internet bank and confirm payments in it.

Download app from here:

Google Play App Store

1. Is it possible to connect to the internet bank with a Smart-ID both on a computer, a smartphone and a tablet?
Yes.

2. Is Smart-ID really safe?
Smart-ID is safer than code cards. Its security is guaranteed by the Finance and Capital Market Commission and the European Central Bank.

3. Should I keep my code card?
Yes. With a code card, you can continue to connect to an internet bank to change settings and confirm payments to smaller amounts. It also will be useful if you suddenly need to re-register to Smart-ID.

Internet connection
necessary to authorise with Smart-ID. It can be mobile or wireless (Wi-Fi) internet.
Questions & answers

Installing Smart-ID on smartphone

If you are already using the code calculator or a code card:

  1. Download the Smart-ID application from Google Play or App Store.
  2. When you open the application on your smartphone, specify that you want to register it in Latvia.
  3. Select the button SEB and enter your contact information.
  4. Connect to your internet bank using your SEB internet bank user code.
  5. Enter the password and the code from the code card or code calculator
  6. Review your data and select Connect to the service provider SK ID solutions AS to send the data.
  7. Read the Terms of Use and select “I agree” if you agree to them.
  8. Create PIN1 that is known only to you (to connect to internet bank) and PIN2 (to verify payments and other transactions) or choose the PINs generated by the system.
  9. Check and confirm the data entered by you.
  10. Confirm your PIN1 and PIN2.
  11. Activate your Smart-ID account by logging into the SEB Internetbank using Smart-ID.

Smart-ID activation in internet bank

  1. Open internet bank on your smartphone or computer by entering the address ibanka.seb.lv, and then enter your user code on the internet bank connection screen and click “Smart-ID”.
  2. After the code appears in the internet bank screen, open the Smart-ID application on your smartphone, compare the codes on the application and internet bank screens, and if they match – enter the PIN1 code in the Smart-ID application.
  3. Internet bank will ask you to confirm your identity.
  4. When login to SEB internet bank with Smart-ID for the first time you need to identify yourself – click "Code card/calculator" and choose existing authentication device (code card or code calculator).
  5. Read the internet bank agreement terms and conditions and confirm them with the code from the code calculator or code card.
  6. “Smart-ID” activation completed successfully.

Internet bank with Smart-ID authorisation

Login to internet bank

  1. Enter user code, click “Smart-ID”;
  2. Open “Smart-ID” application on your smartphone, compare both codes, and if they match, Enter PIN1.
  3. Few seconds after entering PIN1, internet bank main page will open automatically.

Confirming payments

  1. Fill payment form, click “Sign digitally”.
  2. Compare codes in internet bank and in Smart-ID application and, if they match, enter PIN2.
  3. Few seconds after payment confirmation will open in internet bank.

Do the same steps to confirm other operations in internet bank.

About using Smart-ID

How to start using smart-ID?

Download Smart-ID application from Google Play (to Android phones) or App Store (to iOS platform phones) website, create your personal profile and choose two PIN codes – one (four digits) to be used to connect to internet bank and the other (five digits) to be used to confirm payments and other transactions.

What’s the costs of Smart-ID?

The downloading of the application, registration, setting up of the profile and usage is free of charge.

Who can use Smart-ID?

Any person residing in the Republic of Latvia who has reached the age of 16 and who uses a smart device with Android (4.1 or newer) or iOS (8.0 or newer) operating system.

Is there a deadline for getting Smart-ID?

The customers of SEB bank will be able to start using Smart-ID from 1 April 2017. There are no set deadlines or time limits, the existing as well as new customers will be able to start using Smart-ID also in a year or two.

Is the usage of Smart-ID mandatory?

Smart-ID has been designed for your convenience, especially if you make payments exceeding EUR 150, however, the mandatory usage thereof is not required.

Will I be able to use Smart-ID on several devices?

Yes, you can use Smart-ID on your phone as well as on your tablet PC.

Will I be able to use Smart-ID also abroad?

Yes, of course. Moreover, using of Smart-ID will not be particularly expensive for mobile communications, because the application transfers a small amount of data.

Can Smart-ID be used if the phone does not have internet access?

No. Using Smart-ID requires a mobile internet or wireless internet (Wi-Fi) connection.

How should I proceed if I am the customer of several banks?

To confirm transactions via internet bank of the two banks, using a single application will be possible.

Can Smart-ID be used for the company's internet bank?

Yes, if you use your private internet bank with Smart-ID, you will also be able to connect to the company’s internet bank.

What will happen to code cards and code calculators?

How is Smart-ID different from code cards or code calculators?

Smart-ID is a convenient way to connect to the Internet. It is particularly advantageous to use Smart-ID while travelling, as the usage thereof would not require additional authorisation means (either the code card or code calculator), i.e., internet bank can be used with a smartphone connected to the internet.

Unlike the code card, in which all the codes can be found in a single place and never change (rendering them easy for copying), Smart-ID would be on your phone.

What should I do with my code card now?

We recommend that you keep it in a safe place as you might need it, for example, when your smartphone’s battery has discharged.

Is it possible to use code card to confirm online payments with card in 3D Secure system?

The requirements of the regulatory authorities apply also to payments with cards via internet. Therefore, starting from the 15 June 2017 code card can no longer be used to confirm the payments with cards in web sites that use 3D Secure authentication system. It is possible only with a Smart-ID or code calculator.

With the code cards still is possible to connect to e-services or the self-service websites of other companies (such as Latvija.lv or the self- service websites manslmt.lv or manslattelecom.lv etc.) as well as actions not related to payments.

What should I change if I use the code calculator?

Nothing – provided that you are satisfied with your hitherto experience. We recommend that you switch to Smart-ID if you would rather not be carrying along your code calculator.

 

  •   Simple

    The Smart-ID application is available free of charge on „Google Play“ or App Store websites.

  •   Convenient

    Internet connection is all that you need to access your internet bank with Smart-ID.

  •   Secure

    The PIN created by you and known only to you ensures secure usage of Smart-ID.

The Smart-ID solution conforms to the highest security requirements of the financial sector for electronic services. Firstly, a unique code will be generated for the confirmation of each transaction, therefore fraudsters will lack the opportunity of obtaining the confirmation code even if they have managed to obtain the customer’s code and the password. Secondly, if you have lost your phone, 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.

Read more about Smart-ID Smart-id.com

What needs to be done if the application is blocked?

To prevent your Smart-ID applications from being misused, your profile will be locked in the following cases:

 

If the PIN is entered incorrectly three times consecutively
(the profile will be blocked for three hours)

 

If, after the said three hours, the PIN is entered three times incorrectly again
(the profile will be blocked for 24 hours)

 

For security of your data, your PIN will be blocked permanently, if it is entered incorrectly three times consecutively (nine times in total). To continue using Smart-ID, you will need to delete your profile from the device and register again.

 

Is it indeed safe to use Smart-ID? What if my phone is lost?

The Smart-ID solution conforms to the highest security requirements of the financial sector for electronic services. Firstly, a unique code will be generated for the confirmation of each transaction, therefore fraudsters will lack the opportunity of obtaining the confirmation code even if they have managed to obtain the customer’s code and the password. Secondly, if you have lost your phone, 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.

 

What happens if I forget the PINs of my Smart-ID?

If you enter an incorrect PIN three times consecutively, the Smart-ID account will be blocked for three hours during which you would not be able to enter a new PIN. If after the expiry of the term you enter an incorrect PIN three times consecutively again, the Smart-ID account will be blocked for 24 hours. After that you would have three more options to enter your PIN, after which the Smart-ID account will be blocked permanently, providing no possibility to restore it.

 

What is strong authentication?

Authentication is the process of recognition of the person remotely by reference to any of the three factors:

  • something known only to the customer (the password, PIN)
  • something owned by the customer (card, smart card, code calculator, etc.)
  • biometric characteristics (the customer’s voice, fingerprints, etc.)

Strong authentication uses two of these factors, in addition, one of these elements must be unique and unmatched. Smart-ID provides that because it uses two factors – the PIN known only to the user and a unique authentication code generated by the application.

The password and a code from the code card shall not be considered strong authentication due to the limited number of codes on the code card.

 

Will SEB bank offer its customers the so-called “white list”?

No, currently, SEB bank is not offering this option for the customer to specify trusted recipients for the purposes of internet bank (such as the providers of public utility services) for which the confirmation of payments could occur under a simplified procedure. However, in most cases, the daily limit of EUR 150 enables the customer to make payments for electricity, water and gas supply services, and other utility services.

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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