Frequently asked questions

All legal entities can open accounts with SME Bank.

You can become an SME Bank customer by clicking “Become a Customer” button in the upper right corner on the bank’s website. Once your identity has been verified, you will be directed to complete the Know Your Customer form, in which you will be required to provide information about your company. After receiving and evaluating all the necessary information, you will be asked to sign a contract, which will also include the online banking login details.

After signing the contract, you will be able to use the bank’s services. The customer registration process is fully automated and performed remotely in the manner most convenient for the customer. Form completion can be suspended at any stage and resumed at another convenient time.

Click on “Become a Customer” button on the website. After signing the contract, your bank account will be opened automatically and you will receive your online banking login information. The customer registration process is fully automated and performed remotely. Customer registration in 6 simple steps.

To open additional accounts with SME Bank, you can send a message via internet banking platform, contact your manager or send an e-mail to [email protected]

The online banking login details are provided in the contract concluded between the customer and the bank, which is generated upon completion of the onboarding process. The online banking login connection code will be sent to the customer by e-mail. When logging in to the online banking system, the identity can be confirmed with a mobile signature, Smart-ID or using biometrics.

When logging in to the online banking system, the identity can be confirmed with a mobile signature, Smart-ID or using biometrics.

If you have forgotten your login code, you can contact us by phone +370 601 88888 or e-mail [email protected]

Yes, SME Bank can open an account for a non-resident business. To become a customer, start the onboarding process remotely or contact us by e-mail at [email protected]

The login code is indicated on the third page of your settlement account contract. If you cannot find the contract or paragraphs stating the login details, send us an email to [email protected] from the e-mail address you provided in the customer registration form. When logging in to the online banking system, the identity can be confirmed with a mobile signature, Smart-ID or using biometrics.

To add an additional user to the company’s internet banking account, the new user or the company manager have to send an email to [email protected], with the following information:

1. New User Information:

• First name, last name
• Name and code of the represented company
• Phone number associated with the mobile signature (if planning to use a mobile signature to log in to internet banking)

2. New User Contact Information:

• Email address
• Phone number

3. Type of Access Rights:

• Administrator (all rights)
• Payment approval (payment approval, entry, and viewing rights)
• Payment entry (payment entry and viewing rights)
• Viewing (viewing rights only)

4. Transaction Limits (provide amounts in euros):

• Single transaction limit (no more than 2,000,000 EUR)
• Daily limit (no more than 2,000,000 EUR)
• Monthly limit (no more than 30,000,000 EUR)

Upon receiving this information, we will send an email to the new user with a link to complete identity verification. Once the information is processed and the company manager has signed the addendum to the contract with a qualified e-signature, the new user will receive internet banking login details via email.

The Bank does not conduct cash transactions.

You can generate an account statement by logging in to online banking, in the “Statements” section.

You can find the service fees here.

Go to internet bank and on the right top press on the letter-shaped button. Choose message subject and enter your question/request in a form of free text.

Trusted beneficiaries list is intended for automatically pay invoices received from invoices submitters. The list is managed by the administrator at the company level. The functionality only works between accounts opened at SME Bank.

1. Log in to internet bank.
2. Make sure that the menu bar is expanded. If collapsed, expand it by clicking “>” in the top left corner:



3. Select “Payments” section.
4. Select “Trusted beneficiaries” sub-section.
5. If you want to add, click “Add”.
6. Fill in the form and click “Confirm”:



7. Confirm action with the confirmation tool used:



8. Trusted beneficiary will appear in the list:

If you want to delete, select trusted beneficiaries, click “Delete” and go through the process:

If you want to edit, you have to delete the trusted beneficiary and add it again.