How does Smart-ID work?

Smart-ID can be used on iOS or Android smartphones with internet or Wi-Fi connection. To use, download the app from Google Play or the Apple Store and register your account using Luminor|DNB code generator, mobile-ID or electronic signature. When using Smart-ID, you will be asked to enter the PIN1 code for login and the PIN2 code for validating transactions (such as transfers).

Is using Smart-ID safe?

Yes, Smart-ID is a highly secure solution for authentication and electronic signing. It follows several security principles:

  1. Something only you know - your secret PIN1 and PIN2 codes;
  2. Something only you have - the Smart-ID app on your mobile device.

Smart-ID codes are not stored inside your smart device and losing your phone does not mean someone might gain access to your passwords. To use Smart-ID safely and securely, you should follow these security steps:

  • never share your PIN1 and PIN2 codes with anyone else;
  • make sure that the verification code displayed in the Smart-ID app matches the code displayed in the e-service;
  • protect your smart device, use screen lock and follow other best practices of secure use.

Why sometimes I am asked to enter my personal identification number when signing in with Smart-ID?

When you sign in to your Luminor internet or mobile bank from a new device or a new browser, we sometimes will ask you to provide your personal identification number.

This multilevel security system is designed to ensure safe use of the internet bank.

My phone got stolen or lost – what should I do?

1. Contact Smart-ID customer service and ask to delete your account (phone: +370 670 41 807 or 1807, or e-mail: help.lt@smart-id.com).

2. If you created your Smart-ID account with mobile-ID or e-signature, you can connect to Smart-ID self-service and delete your account. If you have multiple active Smart-ID accounts on different smart devices, you can also log in to the self-service portal using your another Smart-ID device.

IMPORTANT! Luminor does not have access or rights to delete the Smart-ID account on behalf of customers.

I don’t remember my PIN code(s) – what can I do about it?

Smart-ID incorrect PIN code can be entered up to 9 times:

  1. If you enter the wrong PIN three times in a row, your Smart-ID account will be blocked for 3 hours.
  2. After 3 hours it will be possible to try again. If the PIN code is entered incorrectly 3 times in a row again, Smart-ID account will be blocked for 24 hours.
  3. After 24 hours, the customer may try to enter the PIN code again. After three unsuccessful attempts, Smart-ID is blocked completely. In this case, you will need to delete Smart-ID and create a new account.

How can I change my PIN codes?

Currently, it is not possible to change Smart-ID PIN codes. If there is a risk that someone besides you knows your Smart-ID PIN codes, you must delete your Smart-ID account and create a new one with different PIN codes.

I don’t want to use Smart-ID anymore – how can I delete my account?

  1. Delete the account from the Smart-ID app (after deleting the app, the account will not be deleted).
  2. Contact Smart-ID customer service and ask to delete your account (phone: +370 670 41 807 or 1807, or e-mail: help.lt@smart-id.com).
  3. If you created your Smart-ID account with mobile-ID or e-signature, you can log in to Smart-ID self-service portal and delete your account. If you have multiple active Smart-ID accounts on different smart devices, you can also log in to the self-service portal using your another Smart-ID device.
 IMPORTANT! Luminor does not have access or rights to delete the Smart-ID account on behalf of customers.

Can I use Smart-ID abroad?

Yes, as long as your smartphone has an active internet connection, it's available worldwide.

I have Mobile-ID, why do I need Smart-ID?

You can use Smart-ID in all your smartphones – with  WiFi or mobile internet connection - no roaming data connection and no special SIM card is needed.

What authentication methods can be used for registering Smart-ID account?

Smart-ID can be registered electronically using code generator or mobile-ID, e-signature.

If a Smart-ID account is registered by using a code generator, a secure signature will be created that can be used for Luminor | DNB internet bank or mobile bank, as well as in any other banks supporting Smart-ID.

If your Smart-ID account is registered using mobile-ID or e_ signature, an advanced electronic signature based on a qualified certificatewill be created that can be used for any e-services supporting Smart-ID solution.

Can I have several Smart-ID accounts on multiple smart devices?

Yes, the number of devices is unlimited. You need to download and install Smart-ID and register a new Smart-ID account for each smart device.

How long can I use my Smart-ID account?

The account is active for 3 years. You can create a new account before the expiration of the current account.

I have a bank account in both SEB and Swedbank. Do I need to have different Smart-ID accounts to use Luminor | DNB online banking services?

No, in order to use Luminor|DNB internet bank or mobile bank, you do not need to have separate Smart-ID accounts.

Can business customers use Smart-ID for electronic banking?

Yes, Smart-ID can be used for personal and corporate bank accounts. You only have to choose the appropriate login data to access the internet bank or mobile bank.

Do mobile-ID disruptions affect “Smart-ID” activity if your account is created with mobile-ID?

No. Mobile-ID is used only at the moment of registration.

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