Frequently Asked Questions

There are currently two types of Smart-ID accounts available:

  • Smart-ID Basic, which is limited to online banking only
  • and qualified Smart-ID which gives you full access to online banking, other e-services and for digital signing.

NB! Smart-ID Basic is only available in Latvia and Lithuania.

To check your account level, open Smart-ID app -> click on the menu -> “User info”. If it says “Smart-ID Qualified Electronic Signature” under “account level”, you have full access to all Smart-ID supported services. If it states your account level to be anything different, please consider upgrading your account.

How to upgrade from Basic to full access Smart-ID?

When you’re trying to access an e-service that isn’t supported by Smart-ID Basic, we’ll send you a notification with a link to the upgrade process.

Or you can simply delete your existing Smart-ID Basic account and register a new one with any other registration method besides the bank link authorisation. Just remember not to delete your existing account before you are ready and able to finish the registration process!

No matter which way you get to the account upgrade process, you need to be able to authenticate the account with a method other than using the bank link. So choose which method suits you the best, either:

  • electronically with an ID-card or Mobile-ID;
  • by visiting the bank office
  • or by using our newest option biometric registration (where you use your phone to scan your document at home) to complete the registration process.

You cannot upgrade your account level with a bank link authorisation! If it is the only authorisation method available to you, keep using Smart-ID Basic until you’re able to use other registration methods.

Benefits of upgrading from Basic to full access Smart-ID

Once you’ve upgraded your account level, you can use the same qualified Smart-ID account to log in to all of your online bank accounts as well as a range of other online services.

Is the upgrade process easy? Registering a Smart-ID account means you need to authenticate it electronically with an ID-card or Mobile-ID, by visiting a bank office or using biometric registration.

Using Smart-ID
Smart-ID Basic Smart-ID
Can be used for:
Online banking:
Other e-services: NO
Digital signing: NO
Main differences between Smart-ID Basic and full access Smart-ID
Smart-ID Basic Smart-ID
Registration methods:
Bank link: NO
ID-card: NO
Mobile-ID: NO
Bank office visit: NO
Biometric identification: NO
Existing Smart-ID:
Basic requirements:
Device requirements: The same* The same*
Account valid for: 3 years 3 years
Multiple accounts allowed:
Available for minors: Varies** Varies**
Price and fees: FREE FREE
Available in countries:
Estonia: NO

* Technical requirements are always the same regardless of the account type
** Minimum age requirements are set by service providers.