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Safety

  • You should seek help regarding banking services only by contacting our staff or on the website seb.lv
  • Never disclose your banking passwords, card security codes, PIN, code card numbers or DIGIPASS data to anybody
  • Read how to use the online banking services, payment cards, ATMs and bank accounts safely


If you have lost your card, received a suspicious e-mail, noticed a security violation or banking errors in our banking services,  please please contact us immediately, calling our 24/7 infoline on +371 26668777! 

 

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.
  • In internet bank you may define allowed deals and their limits.
  • To confirm payments with code cards, a daily limit for transactions to other banks is 150 EUR (for each single payment - 30 EUR), but for transactions within SEB bank - to 500 EUR (both - one transaction and daily limit). These daily payment limits do not stack. The total amount of daily payments confirmed by code card (within SEB bank and to other banks) is 500 EUR.
    For better security for larger amounts of payments we offer a free application in your smartphone Smart-ID or buying a code calculator digipass at any SEB branch.
  • 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.

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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.
 

The bank has set the transaction limit for your financial security

The cash withdrawal limit set by the bank is an amount that you may withdraw in an ATM within a 24-hour period. The standard limit set for cash withdrawals in an ATM for Debit Mastercard card is EUR 600. The limit set by the bank for transactions at the points of sale and for online transactions within a 24-hour period is EUR 3,000. If necessary, you can change the standard transaction limits via internet bank or at the branch.

What needs to be done if you have lost your bank card?

  • To block your payment card, you must immediately contact us by calling the 24/7 infoline + 371 26668777. After having blocked the card, you can order a new one by submitting a free-form application via internet bank or making a visit to any branch. If you find your card after you have reported the loss or theft thereof, contact us

How to use bank cards securely?

  • Keep your payment card in a place where other people cannot access the card data, because they suffice to make online purchases on websites that do not have a secure 3D system.
  • Do not disclose the PIN of your card to unauthorised parties, nor keep it written on a piece of paper with the card or in your mobile phone’s memory. Only you and the system within which the card operates know the PIN.
  • The bank never asks a customer to send or tell the PIN of his/her card. Read: Using bank payment cards securely.
  • When changing the PIN, do not use same digits or numbers in a descending or ascending order. You can change the PIN at any ATM of SEB bank free of charge.
  • When you are paying with a card, do not let the waiter or seller to take it out of your sight. All transactions must take place under your supervision.
  • When confirming transactions with the PIN, make sure that nobody else can see it.
  • Only the person whose name and signature appear on the payment card may use it for making payments.
  • By contacting your bank, you can change the set 24-hour limits for cash withdrawals in ATMs.
  • For security purposes, save the phone numbers that you could use in the event if you have lost your card (24/7 infoline of SEB bank) in your phone memory, i.e., + 371 26668777
  • Before you confirm a transaction with your personal PIN, always check the amount.
  • Do not leave any receipts bearing your card number undestroyed nor throw out in places accessible to other people.
  • Try to keep your transaction receipts in order to reconcile them with the transaction report via internet bank.
  • Be careful when using your payment card for online purchases! Use only the offers of reliable online shops and service providers.
  • If a wrong PIN of the card is entered three times consecutively, it will be blocked automatically. You will need to submit an application to unblock the card PIN and submit it to the nearest SEB branch.

Droši pirkumi ar bankas kartēm internetā

  • 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 online banking data, i.e., your user code, password, and access code.
  • You can connect to internet bank at any SEB branch.

Preventive protection of payment cards

  • • For better security of the money in your current account, the bank has set transaction limits. The cash withdrawal limit set by the bank is an amount that you may withdraw in an ATM within a 24-hour period. The standard limit set for cash withdrawals in an ATM for Debit Mastercard card is EUR 600. The limit set by the bank for transactions at the points of sale and for online transactions within a 24-hour period is EUR 3,000. If necessary, changing of the standard transaction limits as set by the bank is possible via internet bank or at the branch.

Safe use of ATM

  • Before using an ATM, look whether the ATM is free of any suspicious scratches, traces of glue or devices near the card insertion opening or on the keyboard. If you notice anything suspicious, contact your bank immediately, calling on + 371 26668777.
  • Make sure that there are no suspicious people near the ATM, and if there are, suspend the transaction and ask them to step back at least two meters.
  • Do not accept offers for assistance from strangers, do not let yourself be distracted from your card and the activity you have been carrying out.
  • Stand close to the ATM and enter your PIN, covering the keyboard with your palm.
  • If the ATM does not return your card, without leaving the ATM, call the 24-hour helpline and report the problem calling on + 371 26668777
  • At the end of the transaction, do not forget to take your bank card.
  • If you choose to receive a receipt for the transaction, do not leave it near the ATM, and destroy it later.

 

Contacts

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