Frequently Asked Questions

Smart-ID (full access account)
Estonia Latvia Lithuania
ID-card 0 y n/a *
Mobile-ID 15 y n/a *
Bank offices:
SEB * * *
Swedbank * * *
Luminor * * *
Biometric identification
ID-card 7 y 7 y 7 y
Passport 7 y 7 y 7 y
Smart-ID Basic (limited access account)
Estonia Latvia Lithuania
Bank link:
SEB n/a 7 y n/a
Bank offices:
SEB n/a 7 y ** n/a
Swedbank n/a 6 y ** 6 y
Urbo Bank n/a n/a 18 y

Terms of use, for example transfer limits etc., are set by individual e-service providers.

n/a = Option not available
0y = No age restrictions
* = No age requirements set by Smart-ID, but you need to check with your service provider/mobile operator/issuer for age requirements set by them.
** = Both the minor and the parent need to visit the bank office together. For SEB, it applies to all minors. For Swedbank, it applies to minors under the age of 16.

  1. Both the child and parent must have an Estonian, Latvian or Lithuanian national ID number;
  2. One of the following options must be chosen for registration:
    • Electronically: using an ID-card or Mobile-ID (unavailable in Latvia).
    • Using biometric identification for minors.
    • Visiting a bank office: the parent and child can go to bank office together and register an account there. Please note that both the child and parent will need to bring a national ID document with them. In Latvia, a birth certificate or a similar document must also be provided proving the parent-child relationship.
  3. The registration must be approved by the parent by signing the Smart-ID account application:
  4. Note that when selecting online bank link identification in Latvia and Lithuania, you can only obtain a Smart-ID Basic account which is limited to relevant bank’s services. See more about Smart-ID levels.