Smart authentication that protects
your card payments

  • More secure online shopping

    Protect your online card purchases with smart authentication. This is a new security standard arising from European Union legislation. You will always need to have your mobile phone on hand for smart authentication.


    You can authenticate online payments either through our mobile app or with an authorization code from a text message.

  • How does authentication work?

    The Online card payments are authenticated using the Mastercard® Identity Check technology, which analyses every online payment made with your card and determines whether it should be authenticated or not.


    When authentication is needed, you will do so easily through our mobile app, just as you are used to authenticating outgoing payments from your mobile phone – with a fingerprint, facial recognition or code login. 


    If you don’t have our mobile app, you will be asked to enter an authorization code received in a text message.

  • Online payments are easier with our mobile app

    If you don’t want to rewrite the authorization codes from text messages, start using our mobile app – it’s easier and secure.


    All you have to do is update your mobile banking application, sign into the app like you usually do and have a preferred phone for payment confirmation set. Make sure you allow notifications from the app. You can find out how to set your phone in the Frequently Asked Questions section below.


    Once you set your phone as preferred you will use the smart authentication also for login and confirming domestic payment in the internet banking. See our step-by-step guide for login to internet banking.


    Download our mobile app for iOS or Android.

  • I use Internet banking

    You don’t need to set up anything in your internet banking. Login and payment authorization is the same as usual. The only difference is authorization SMS code you confirm online card payments with.

  • Frequently Asked Questions 

    If you don’t find an answer to your question here, call our Customer service at 222 010 222.

    What should I do if the SMS code is blocked?

    SMS code is automatically unblocked the next day. If you can’t wait, you can authenticate through our mobile app or you can call to our customer service.

    How do I allow notifications from the Equa bank mobile app?

    After you sign in, click on user tab on the bottom right bar, go to Settings in the upper left corner and in the Services section allow notifications, so that we can send you notifications through the mobile app.

    How do I set my phone as the preferred phone for online payments?

    In the mobile app under user tab in the Settings tab, in the Security section, click on Set your preferred phone and choose your mobile as the preferred phone for mobile online payments.

    What should I do if I don’t have preferred phone at disposal?

    Don’t worry, there is always an option to authenticate via SMS.

    How do I log in to internet banking with mobile phone?

    Simply enter your login number and confirm notification on mobile phone.

    Can I turn off SMS code verification?

    No. New European Union legislation demands upper level authentication to provide more security and to prevent card fraud

    For which online card payments is Mastercard ID Check verification needed?

    All online card payments in EU are subjected to an internal risk assessment. After this evaluation, we will either approve the payment or request your verification.

    If you have any further question about online payments, click here.