Frequently Asked Questions

Your Smart-ID account is valid for 3 years regardless of your registration method. Smart-ID accounts are independent from other services and will remain active even if your passport, ID-card or mobile-ID expire, phone contract ends or you change your service providers before the Smart-ID account expiration date.

When the expiration date is getting close, your app will start reminding you about it (for example it’ll show you a warning before you enter the PIN-code)*. We’ll also use other channels (like e-mails) to warn you when your account is about to expire.

To check when your Smart-ID account will expire, open the app and click “User Info” in the menu. Select “Account active until” and you’ll see when the account needs to be renewed.

If you’ve received messages (SMS, e-mail etc) about renewing your account, but your current Smart-ID account is still valid for more than couple of months, it’s because you have multiple active accounts. Log in to Smart-ID self-service to get an overview of all your accounts.

Remember! Smart-ID is device based: if you have it on multiple devices, they will each have a separate accounts with separate expiration dates and will each need to be updated every 3 years. Updating one account will not update the others!

* If you check your “Account active until” date and your account is active for less than 2 months, but you have not received any notifications about it, it could be because you’ve turned off automatic notifications for Smart-ID or that you are using an old version of the app. If this is the case, you will need to update the app to version 18 or newer to be able to renew your account!

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
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.


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 until 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 at the moment, keep using Smart-ID Basic until you’re able to use other registration methods.