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Delphi A letter from the migrant came to the editorial office, in which he told him about the problems with the bank and the application he uses to connect to email. banking.
“I am a young migrant who returns to Lithuania several times a year. I visit cafes, go shopping, meet friends, which means that I actively use the services of Lithuanian banks. And I would continue to use them if they provided services responsibly and they won’t bother to think of all the possible scenarios that their clients ask for help, ”begins their story.
The woman has been using the Smart-ID service for two years connecting to the bank.
“I use the Smart-ID service, which is an excellent alternative to another now obsolete connection method: a password generator. While living abroad, I don’t have a Lithuanian phone number, so I can’t connect to a mobile signature.” , Explain.
In May of this year, the signed Smart-ID agreement expired, which was allegedly immediately renewed. According to her, neither the Smart-ID application nor the SEB bank whose services she uses warned that the extension of the contract by phone would not complete the process.
“When the process was almost complete, I received a message that my previous account would be removed. I thought what a difference. However, I admit that I made a big mistake by clicking the ‘Confirm’ button.
That is not the case, I realized a few weeks after trying to join electronic banking. After selecting Smart-ID, I entered the requested codes and as usual confirmed everything in the mobile app. However, instead of my bank account details, I saw the message “To start using Smart-ID, you must log in with the login tool used so far,” says the migrant.
As the only tool she used was the Smart-ID application, the woman turned to the bank. The consultant allegedly directed the Smart-ID representatives.
“I heard from a Smart-ID consultant that in my case, because I live abroad, the borders are still closed due to quarantine and I don’t have a Lithuanian phone number, he can’t help me, so he advised me to I contacted SEB Bank again to help connect in other ways. ” – A young woman talks about a vicious circle.
But once again, you heard the same: Even after confirming that the caller is the owner of a bank account, the consultants are allegedly unable to transfer funds to other banks, nor can they confirm an extended contract with Smart-ID, so that the only thing that helps is the passwords. Sending the generator by mail for 34 euros and waiting several weeks is a visit to the bank branch.
“I remind you: the borders were still closed, and unfortunately most of my funds remained in the SEB bank account. Since I also use Revolut’s services, I tried to add money through their application, but for the first time in a long time I they asked me to join the bank first. And I can’t join, “the interviewee does not hide his disappointment.
Perhaps this story would not have affected the woman so much, if it were not for the fact that her bank savings for the two-month wedding were left in her bank account.
“Since those vacations cost a lot and their planning is tied to upfront payments, I have experienced a lot of stress due to the recklessness of those bank employees.” And so that the attempt to save the wedding is not too simple, the information system of the civil registry services MEPIS also requires a connection to a bank, a Lithuanian phone number or a scanner. This means that I don’t even have access to my documents, ”says the young migrant.
“I have always defended the progress of Lithuanians in reducing bureaucracy, but I am absolutely shocked by such a situation. It is as if the migrants were not full citizens and did not use Lithuanian banks or electronic government gateways. My situation It can be described as a dead end as I have run out of a wedding because I have not been notified of the necessary confirmation of the Smart-ID deal at the bank branch. Sounds like a joke story, “she says.
SEB bankas: we send a password generator in Lithuania or abroad
SEB bank representative Ieva Dauguvietytė-Daškevičienė notes that during the quarantine, password generators were sent to bank customers by mail.
“We regret the situation if we have provided inaccurate information to the client. In this case, if the client does not have an active Smart-ID account, but has an online banking agreement, during quarantine we make efforts to avoid clients having to go to the bank branch.
Therefore, at the request of the client, we send the password generator to the address specified by the client in Lithuania or abroad. In this way, the client can connect to his Internet bank and carry out the desired operations ”, comments SEB bankas.
Smart-ID: there are more ways to update your account without visiting a bank
Viktoras Kamarevcevas, Commercial Manager of SK ID Solutions, who manages the Smart-ID application in Lithuania, points out that the Smart-ID account is valid for 3 years, after which it must be renewed. This can be done from anywhere, wherever there is internet.
The Smart-ID website states that digital signatures, including verified transactions, etc., sent using Smart-ID are legally binding, so it is necessary to verify that the account is still in the hands of a person with legal permission to use it. That is why it is necessary to re-personalize your Smart-ID every 3 years.
“Do not initiate an account update unless you can authenticate (verify your identity, Delphi) For example, if you want to authenticate your account at a bank branch, don’t start the renewal until you meet with a bank employee to help you, “says the device’s website.
Smart-ID can be created without entering the bank in the following ways: online banking, mobile signature, identity card signature, biometric identification.
“The latest method was developed and offered to Smart-ID users since the end of February this year to make it even more convenient for them to create or renew an account without going to the bank.”
Incidentally, the fourth country where biometric data is most frequently used to update your account is the United Kingdom, and this new feature is used successfully by Smart-ID account holders in various countries, ”says V. Kamarevcev .
“We ask the migrant to send us a letter to [email protected] with more information about our problem so that we can discover the situation in detail and respond and help you, “says a representative from Smart-ID.
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