Mobile payments

Mobile payment is the most inexpensive, quickest and most convenient way of non-cash settlements between individuals, because

  • the mobile payment is free of charge - you only pay for a call to your mobile operator
  • the mobile payment accrues immediately, incl. on weekends and public holidays and even between banks who offer this type of payment (currently, only Swebank and SEB offer the mobile payment)
  • you can transfer money at any time in Estonia via your mobile phone
    You only need to know the recipient’s mobile telephone number to make a payment.

Both the remitter and the recipient must have entered into a mobile payment agreement.
You can start making payments as of 12.00 on the day following the entry into the agreement. A respective message is sent to your mobile phone as well.

How to make a mobile payment?

Example 1.

You are in a café having a nice evening with your friends. When the time to pay the bill arrives, mobile payment is the best way: your friend takes care of the bill for everyone and you can pay them your share by making a mobile payment. You do not need to make a transfer in the Internet bank or withdraw cash.

Example 2.

Your child urgently needs money. You can make a mobile payment wherever you’re in Estonia and the money accrues to your child’s account immediately.

Both the remitter and the recipient must have entered into a mobile payment agreement. You can do it in the Internet bank.

Frequently asked questions

  • Where can I enter into a mobile payment agreement?

    In the Internet bank.
  • Does the remitter or the recipient have to have a mobile payment agreement?

    Both the remitter and the recipient must have entered into a mobile payment agreement.
  • How soon after entry into an agreement can I start making mobile payments?

    You can start making payments as of 12.00 on the day following the entry into the agreement. A respective message is sent to your mobile phone as well.
  • Can I use the mobile payment with a prepaid card?

    Yes, contractual clients and prepaid card users of all Estonian mobile communications operators can make mobile payments.
  • How big is the risk that a stranger can make a mobile payment from my mobile phone?

    When making a mobile payment the remitter must enter a security code without which no payment can be made.
  • What should I do if the phone is lost or stolen?

    Immediately call 631 0310 in order to close all the services related to the telephone number.
  • What should I do if I have forgotten the security code or the service has been blocked?

    Change your security code in the Internet bank or in the branch and the service will be restored by 12.00 the next day.
  • If my mobile telephone number changes, do I have to change the mobile payment agreement?

    Yes, you have to terminate the agreement associated with the old number and enter into a new agreement with the new number.
  • Can a mobile payment be made only between Swedbank accounts?

    Not exactly. At the moment you can make mobile payments from Swedbank to SEB and vice versa.
  • In what currencies can I make the mobile payment?

    In euros and according to your own payment limit, which you can freely change. You can set a payment limit of 10 to 200 euros a day.
  • Where can I get information about a mobile payment made?

    Dial 1214*2 on your mobile and press "Call".
  • Can I change the mobile payment limit?

    Yes, you can do it in a bank branch as well as in the Internet bank and the new limit can be used the next day after noon.