Smart-ID is a free to use app which lets you log in to Estonian e-services, and authorise payments from your bank accounts.
It's been a login option with Xolo since November 2017.
You only need your ID card once when signing up for the app.
Smart-ID is a new app which gives
login option to your Estonian ID card, or Mobile ID. You can sign into Xolo, the Xolo app, and your banking services (LHV, Swedbank and SEB) using Smart-ID and your banking services
(LHV, Swedbank and SEB) using Smart-ID.
It allows you to sign in, as well as authorise bank payments from your Estonian accounts. And
Xolo added Smart-ID as a login option in Nov
2017, to make life easier for all of our e-resident
You'll need your Estonian ID card handy to sign up and start using the app, but that's a
one-time thing. Once you're up and running you'll
never look back, and it's very possible that more and more Estonian services will be adopting
Smart-ID in the future.
What is Smart-ID?
Smart-ID is the excellent new app which helps you access your Estonian e-services. Created by SK
ID Solutions, it provides a much easier and
more effortless login option, compared to the combination of your ID card, reader and ID card
software. It allows you to log in and authorise
payments from your Estonian bank accounts, as well as logging in to multiple other services.
The ease of use of Smart-ID can't be overstated, with the simple interface and intelligent use of
push notifications providing a smooth login
experience. It also means using your ID card, card reader, or even ID software will be a rare
For the time being, you'll need your ID card to sign up with Xolo Leap, as we need you to
authenticate yourself and digitally sign 3-5 documents.
Once you get into the day-to-day running of your business, Smart-ID is a great option for
logging in and accessing your account. You should only
need your ID card once a year after this, to sign your annual report.
It's available for both Android and iOS devices (including smartphones and tablets), and we'd
really recommend downloading it from your
respective app store, if you haven't already.
Why should I download it?
As you might already know, there were a lot of issues recently with Estonian ID cards,
which affected citizens, residents and
e-residents alike. These were related to a potential security
vulnerability of the cards, and required all affected cardholders (around two-thirds of all
cardholders) to update the certificates on their
card. This should have been a simple process, which could be done remotely with your card reader
and ID card desktop application.
However, due to the incredible demand, and workload for the servers, updating the certificates
became a difficult and at times impossible task.
This left people without working ID cards, unable to sign in to their banks and other service
providers like the Estonian tax board, Statistics
Estonia, and Xolo. So far, thousands ID cards have been replaced free of cost by the Estonian
Police and Border Guard Board because of failed
The simple solution here - Smart-ID.
you won't lose access to your banks or services, even if there are issues with your ID card. And
once you've signed up for Smart-ID you can
use it for three years, regardless of whether you lose your ID card or if it expires during this
time. This means much less stress in case
of any more problems in future!
And this is even
more relevant for e-residents, who need to travel a lot further to replace
their ID card in
case it stops working.
They also can't access Mobile-ID, which would be the alternative option for Estonian residents.
On top of all this, it's just as secure as your ID card and reader. With Smart-ID you create your
own 2 PIN codes for logging in. As you've
created them, you simply have to remember them. As long as no-one knows your PIN codes, no-one
can use Smart-ID to access any of your secure
online services, even if they got access to your phone.
Also, in case you're a Mac user, you'll already know about the issues you face trying to use your
ID card and card reader. Macs can be
incredibly temperamental when it comes to card readers and ID card software, and this can be
frustrating. This is another reason to consider
Smart-ID as an alternative. It won't let you down or stop you from simply accessing your bank or
And it's becoming even better...
Smart-ID is still only in its infancy, and given the recent issues with ID cards, it's popularity
Currently, Smart-ID can only be used as a means of authentication, and payment authorisation in
your online bank. The auditing process has
already begun to make Smart-ID a legally binding and recognised digital signature option, which
means by the end of 2018, you'll rarely need
your ID card for anything at all!
Also, it's entirely likely that the problems with physical ID cards aren't finished yet. The
Estonian government is considering extending the
validity of ID card certificates from 3 years to 5 years, which in the long run could prove to
be a good decision. However, this will mean all
e-residents needing to update their certificates once again in early 2018, and more potential
technical and compatibility issues arising.
If this happens, having Smart-ID will be a godsend, and with more downloads and more users, the
case for Smart-ID to be capable of digital
signing will only become stronger.
It sounds a bit too good to be true...
Well, things are rarely without imperfection, and Smart-ID is no exception. There was one ongoing
issue, for users with special characters in
their name, including ă, ş, ğ, ç and others.
When you sign up with Smart-ID, they check your details against the Estonian population registry.
Unfortunately, there were cases reported of ID
cards not featuring the special characters in your name, while the population registry does.
This mismatch in names causes the background check to fail, and stopped people signing up for
Smart-ID. At the time it affected 10% of all
The good news we can report though, is that this issue is now fixed and resolved. So there should
no longer be any issues when signing up for
Smart-ID. And if you do run into any problems, don't hesitate to let their team know, so they
can get to fixing them right away.
What if I lose my ID card?
In case your ID card is ever lost or stolen, your Smart-ID app will carry on functioning, whilst
you go through the process of getting a new
This is particularly helpful if you're an e-resident, and you need to travel to collect your
Is it available to everyone?
Absolutely. If you're a citizen, resident, or e-resident of Estonia, you can use Smart-ID.
And it can be accessed anywhere with wifi or mobile data access, so you'll never be without
What about Mobile-ID (Mobiil-ID)?
In case you aren't aware, Estonian mobile phone companies offer a similar service to Smart-ID,
Mobile-ID can be accessed from any mobile device with an Estonian SIM card, and allows you to log
in to your Estonian e-services, authorise
payments, and make digital signatures.
Obviously, there are a few drawbacks of this. It's only available with an Estonian SIM card, and
firstly, if you're not in Estonia you can't get
your hands on one. More than this though, even if you can get one, you're tied into a phone
contract which you're paying for but unlikely to
This is where Smart-ID comes in as a more helpful alternative, as it can be downloaded on used on
any Android or iOS device, regardless of your
Does it cost anything?
Nope. It's a free to download and free to use app, for all applicable users. Smart-ID
transactions are paid for by the companies who let you use
Once you've got it downloaded, you can register for an account. You can start this in the app,
and then you'll need your ID card and reader to
finish the process. This is a one time occurrence for the registration, and you won't need your
ID card to use Smart-ID in future.
And that's it! You can start using your Smart-ID account straight away - test it with
Xolo, the Xolo app,
LHV, or any of your other Estonian