01 · Smart-ID

From banks to elections.

Smart-ID is run by Estonia's SK ID Solutions AS. Since 2001, SK has issued the certificates for Estonia's national ID card and has also run the SIM-based Mobile-ID. Smart-ID is the third tool: app-based and independent of the SIM and the mobile operator.

50 · 25 · 25Ownership: Telia Eesti · Swedbank · SEB (%)inforegister.ee
~€21 millionProjected 2026 revenueinforegister.ee
~100Employees2025
99.98%Service availabilitySK, 2025-10
Timeline

Ten years

  1. 2016-11

    Unveiled

    First presented at SK's annual conference.

  2. 2017-02

    First services

    eKool, Starman, Kaubamaja. 20,000 users in the first month. In March, SEB and Swedbank rolled it out across the three Baltic states. A KPMG audit confirmed it meets PSD2 strong authentication.

  3. 2018-11

    QSCD

    Recognized as a qualified signature creation device, making its signatures QES across the EU.

  4. 2019

    Assurance level “high” · TARA

    RIA set the eIDAS “high” level (08-26). Added to TARA, the state authentication service. 2 million users.

  5. 2020-04-01

    Biometric registration

    Sign up with an NFC passport + face matching.

  6. 2021–2022

    Licensed abroad

    1 billion transactions a year. Licensed in Iceland as “Auðkenni” and in India as “Jio SecureID”.

  7. 2023-01

    No. 1 in state login

    Overtook the national ID card and Mobile-ID in TARA.

  8. 2024-03-29

    Belgium

    Fifth European market, together with Trust1team.

  9. 2025-06-26

    Smart-ID+ · RP API v3

    Device-link flows, a new anti-fraud model. Live from July. In 2025 it became an official identification tool in Estonia's local elections. Armenia (imID) license.

  10. 2026

    Renewal via NFC

    04-29: with the Estonian ID card, 09-23: with the Latvian eID card, register or renew on your phone. From 11-02, TLS cipher requirements get stricter.

The family

SK's three tools

Chip

National ID card

A smart card, key on the chip. The 2017 ROCA vulnerability hit ~750 thousand cards with Infineon chips — not Smart-ID. Now used to renew Smart-ID via NFC.

SIM

Mobile-ID

Key on the SIM card, tied to the mobile operator.

App

Smart-ID

SplitKey. No dependence on SIM, operator or special chip — works on any smartphone.

Markets

Where it works

CountryFormNotes
EstoniaSmart-ID2017. eIDAS “high” (2019). TARA, e-voting (2025).
LatviaSmart-ID2017. “high” (2023). Smart-ID Basic (banks only).
LithuaniaSmart-ID2017. “high” (2024). Since 2022, ages 13–17 with parental consent.
BelgiumSmart-ID2024. “high” (2025).
IcelandLicense · Auðkenni2021
IndiaLicense · Jio SecureID2022
ArmeniaLicense · imID2025
FinlandAllekirjoitus.fiVia a signing platform