Bank account opening using e-ID (Smart-ID/Mobile-ID)

Banks in Estonia allow digital onboarding and day-to-day online banking operations through the national digital ID. Residents authenticate themselves on bank portals and mobile apps using their credentials through personal identification number (PIN1). Upon successful authentication, electronic know your customer (e-KYC) details are shared with banks. For online transactions, fund transfers, and high-value operations, residents authorize these using the PIN2 digital signature, which meets the legal requirements of qualified electronic signatures.