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Own transfer

Own accounts are accounts specified for use in the user’s Netbank agreement. Own account can be the account of another individual who has authorized you to use their account via Netbank.

The advantage of own transfers is that the process is simpler and there are fewer fields to fill out.

Making a new payment consists of two stages: entering the payment and confirming the payment.

Entering new own transfer
Confirming the payment

Entering a new own payment
It is important to keep in mind that the payment form can only be filled in using Estonian characters. If illegal symbols such as Cyrillic characters are being used, the system will give an error message and it will not be possible to confirm the payment.

From account
Payer’s account. If there is more than one account, the desired account can be selected from a list. The default selection is the primary account you assigned at the bank. You can change the default account on your own as well by choosing: Settings -> Account settings. You can also change the nickname of the account using the Settings menu. The nickname will be displayed instead of the account number.

The available balance and currency is also provided in addition to the account number/nickname.

Own transfers can also be made from foreign currency accounts. Currency of payment can only be either debit or credit account currency. All other currencies are not allowed even though they are presented in a list. Conversion is performed according to a current valid conversion rate.

Payer's name
The account owner. The account owner may be different from the Netbank user, as each account owner has the right to authorize others to use his account in Netbank.

Beneficiary's account
List of accounts that are related to the customer’s Netbank agreement and have at least  inquiry rights. From account and beneficiary’s account have to be different.

Beneficiary name
Owner of the beneficiary’s account. Field is filled in automatically when you choose beneficiary’s account from the list.

Amount
Either a comma or full stop can be entered as the decimal point. A whole figure is entered as whole number. The field is compulsory.

Keep in mind that payments can only be executed within your daily limit. If the daily payment limit is exceeded, the system will display an error message, "Account daily limit exceeded." Information on the daily limit can be accessed and changed only at a bank office or service outlet.

Currency
Currency of own transfer can only be either debit or credit account currency. All other currencies are not allowed even though they are presented in a list. Conversion is performed according to a current valid conversion rate.

Payment date
The default payment date is the today's date. The field is compulsory.
If you wish to change the payment date, enter it in one of the following formats:

  • DDMMYYYY
  • DD.MM.YYYY

The payment date must be a banking day. If you enter a holiday as the payment date, then after the payment is effected, the payment date will be changed to the next banking day.
A future date can also be set as the payment date. In this case, the term may not be more than 12 months distant.

Payment details
Maximum length is 210 characters.
Field Details of payment is compulsory.

Confirming the payment
After you enter the payment, it must also be confirmed. You can confirm payments one at a time or several at once.

  • When you have finished entering the payment, press Continue, which will bring up a page with a list of payments with unconfirmed status. Each payment can be opened, modified or deleted. The default is that all unconfirmed payments are selected and are ready for confirmation. To deselect, remove the checkmark from the corresponding box. To confirm, press Confirm and enter the code from your code card as prompted or PIN2 in case you are logged in with an ID card.
  • You can also confirm payments by going to the Start page and clicking on the link Unconfirmed payments: nr;
  • You will also be reminded of unconfirmed payments whenever you log out of the system;

Since payments are not processed immediately, your balance will not change immediately either. Confirmed payments are transferred to the Due list of payments.

If you do not confirm the payments with the required code (PIN2 in case of ID card), the payments will not be processed.