Starting to use the app

1. Press on "Request money" or "Make payment" – "Contacts" and "Set up".
2. Enter your phone number.
3. We will send you a message with a confirmation code – enter it.
4. Select the account you want to link with your phone number and press "Next".
5. Read and confirm the service's terms and conditions.

1. Does account and phone number has to be linked only once?
After linking your number, you will permanently unlock request and payment functionality as long as your SEB account is linked to your phone number.

2. How many accounts can be linked to phone number?
Only one account can be linked to one phone number. That means, that for contact list payments to work, phone number has to stay linked only to your SEB account and can't be linked to different accounts also in other banks, as that would replace SEB account.

3. To which bank customer accounts transfers can be made.
Currently payments can be made to SEB Latvia and SEB Estonia, Swedbank Latvia and Estonia, Citadele Latvia, LHV, Coop.

4. How can phone number or account can be changed or removed?
Payment to phone number settings like number, linked account can be edited or disabled in app's settings. To do so, press the dots in right corner – Settings – Payments to phone number.

• First, open the app and press the dots in the upper right corner. At the bottom of the menu, check if you have the latest app's version – 4.0.49. If necessary, download the update from Google Play or App Store.

To create a new savings goal:
Press on the "Savings" tab. Then select "Create a goal" and follow the setup steps.

To update an existing savings goal that has an enabled Digital coin jar:
Press on the "Savings" tab. Select the goal you want to update with a standing order. Scroll down and press "Learn more and set up" under the standing order section. Then follow the setup steps.

To edit or disable an automatic payment:
Press on the "Savings" tab. Select the goal you want to edit. Press the dots next to the standing order in the right corner of section "Funding". Then edit or disable the standing order.

1. How to withdraw money or close a savings goal?
You can either withdraw money and keep the savings goal active or terminate the savings goal altogether. Press the dots in savings goal's upper right corner and then select between the 2 options: "Withdraw money" to withdraw all or a part of the saved-up money or "Stop saving" to terminate the savings goal and withdraw all the money. Then we will take you to the internet bank where you will need to confirm your choice with an authorisation tool – Smart-ID or a code calculator.

2. Can standing orders work together with the Digital coin jar?
Yes, it is possible. However, while you can set-up standing orders for all your savings goals, the Digital coin jar can only be linked to a single savings goal. This means that only one savings goal can use the Digital coin jar's functionality of rounding up your card payments to the next full euro and transferring the difference between rounded and paid sum to your savings deposit.

3. What happens if I do not reach my savings goal on time?
We will notify you in the app if we notice that you might not reach your goal on time. Then you can change the target date or review the funding.