Banks drove Smart-ID's success: SEB and Swedbank adopted it from the first month, and government and retail followed. Today it is the most-used tool for authentication with the Estonian state.
| Date | Metric | Source |
|---|---|---|
| 2017 | 300,000 users in the first year | smart-id.com |
| 2019 | 2 million users | smart-id.com |
| 2020-01 | ~2.6 million users, 50 million+ transactions a month, 200+ services | SK |
| 2021 | 1 billion transactions a year | smart-id.com |
| 2023-05 | 3.30 million active users, ~79 million transactions a month | Wikipedia |
| 2025-10 | 3.7 million+ users, ~1 billion a year, 1,000+ services | SK presentation |
| 2025 | Nearly 100 million transactions a month | SK, 2026-01 review |
Each source counts users and transactions differently. Undated per-country figures (EE 544k · LV 981k · LT 1.36M) add up to less than 3.7 million.
Baltic price list effective 2026-06-01 (excl. VAT). One authentication or one signature = one transaction.
| Package | Monthly minimum | € / transaction | Minimum monthly fee |
|---|---|---|---|
| I | 550 | 0.109 | €60 |
| III | 10,000 | 0.079 | €790 |
| V | 100,000 | 0.0475 | €4,750 |
| VIII | 1,000,000 | 0.0172 | €17,200 |
| X | 3,000,000 | 0.0106 | €31,800 |
| XI | 5,000,000+ | Custom contract | |
Shows 6 of the 11 packages. No extra charge for moving to Smart-ID+. That it is free for users is clear in practice but not stated outright in the price list.
Cases of fraudulent accounts created in Latvia and Estonia.
Callers posed as the Health Insurance Fund and pressured people to enter their PIN. Total fraud losses in Estonia, all types: ~€29 million.
Device link binds the session to the device, a pick-one-of-3-codes step, in-person card checks via NFC, and an "updates only inside the app" message.
EU member states must offer at least one digital wallet by the end of 2026. Estonia announced its procurement on 2026-05-18; the wallet will not replace the national eID. SK and Cybernetica have been exploring a SplitKey-based wallet since 2022, but there is no official statement that Smart-ID will become an EUDI wallet.