Open an account by downloading an "Application Kit", a guide to our banking products and services.
Call us or find a branch near you.
Tel: +372 668 2612
Fax: +372 668 3137

Our approach to security

We've offered Internet Banking for decades. And we've seen what works. Not just in terms of a user-friendly site. Our service actively protects both your identity and your finances.

Images and phrases One Time password (OTP) Fraud monitoring
Internet Banking Guarantee  

Images and phrases
When you bank online, it's important that we recognise each other. And that's where our unique secret image and phrase combination comes in. This extra security level assures you that you're logging into a genuine AP Franklin website. It also enables us to identify the computer(s) you normally use and your log on details.

So, even if a would-be fraudster gets hold of your Personal ID (PID), we can stop them logging into your account. Don't worry though - this doesn't mean you can't log on with a computer you don't normally use. We simply ask additional security questions.

One Time password (OTP)
This system sends a unique, one-off password to your mobile phone. It's only needed when we want you to verify that a payment to a new payee or a request to amend some important details (like your address), is genuine.

The great thing about OTP is that you only need to register a mobile phone number with us to use it - and you won't have to remember any new passwords or carry a separate kit, such as a card reader.

Fraud monitoring
We're here to give you peace of mind with your finances. And that includes when you're spending your money.

We monitor your account and raise the alarm if we spot any suspicious transactions.

So, if we see any unusual spending patterns - like a burst of late-night activity - our anti-fraud computer will call you and leave a message asking you to confirm the transactions. And if you don't recognise it, you'll be put straight through to one of our advisors.

It really does stop fraud in its tracks. That's why we're not the only bank that uses this service. Plus, the automated system is much quicker than ones that use customer service agents.

Internet Banking Guarantee

Safe and sound with WealthCare

We're totally committed to protecting you when you use this web site. As you may know, internet security technology is very good these days. We confirm the identity of customers through the use of multiple security credentials that have been designed in accordance with financial industry standards and best practice. Furthermore, any information sent between you and AP Franklin when using the WealthCare service uses strong industry-standard security technology.

Internet Banking Guarantee

Be assured that your money is safe when you bank online, thanks to our Internet Banking Guarantee. In the unlikely event funds are taken from your account without permission, we will pay back any loss incurred from fraud, up to the value of the amount fraudulently taken. All we ask is that you have not acted fraudulently yourself or without reasonable care to keep your security information safe.

Protecting you with technology

The information on our website is split into two types of area: 'freely accessible' areas and 'secure' areas. We don't mind who visits the freely accessible areas and we don't check on who does. None of your personal information is kept there, just general information about our products and services that anyone can have access to.

Your Security Details
The secure areas are where we do keep all that personal information, which is why you have to enter a personal password and Access Code before we can give you access. For example, you'll use the secure areas of our site when you access your AP Franklin accounts online or apply online for an account.

You can identify secure areas by looking at the address in the top of your browser. An encrypted area's address will begin https:// rather than the usual http:// and you can also tell this by the padlock symbol in the bottom right hand corner of your web browser.

On top of this, any information you submit online is protected by data encryption. Your browser scrambles the information, and is later unscrambled when it gets to us. It cannot be read along the way.

You may come across the term 128-bit SSL (Secure Socket Layer) technology. This is the way the data is scrambled and unscrambled again at each end. The latest browsers have this built in - and it is automatically enabled unless you turn it off.

To prevent problems viewing secure sites like ours, it's always a good idea to have the latest version of your browser installed. For more help, talk to our technical support line on * (This line is open 7am to 11pm Monday to Saturday, and 9am to 9pm on Sunday).

Changing your Security Details

When you access your account online for the first time, we ask you to change your allocated Registration Number to a number that is more memorable to you. You can change your password and Registration Number at any time by using the Security Details section of the site. When changing your security details, use words and numbers you can easily remember, such as a place or name that you know, but make sure it's only memorable to you. You could also include a number or two to make it harder for someone to guess.

To be more precise, you must choose:

  • A personal password made up only of letters and digits. It must be between 8 and 16 characters long
  • A registration number exactly 5 digits long

To make your security details harder to guess, follow these rules

  • You mustn't choose a code that includes repeated characters (e.g. 1111aaaa)
  • You mustn't include sequential characters (e.g. 98765926)

If someone finds out your codes

If you think someone may know your security codes you should change them immediately, and notify us at once by phoning * or by visiting your local branch.

Our website's secure areas

We only request and display personal information about you and your accounts and dealings from secure areas of our site.
Exactly the same security measures, including data encryption and passwords, apply to all our online application and transactional processes. In addition, these services are protected by 'firewalls'. This technology monitors and prevents any unauthorised access to our computer systems (where personal data is kept) - which means unauthorised people cannot access account and personal details.

Our golden rules for safe Internet Banking

To help you keep your Internet Banking activity more secure, we recommend you follow some sensible rules:

Your Security Details

  • Keep your personal password and registration number safe at all times.
  • Avoid writing them down.
  • Never tell anyone what they are, even if you share a joint account with them. In fact, don't even tell an AP Franklin employee.
  • We might ask you to confirm certain characters from your password to identify yourself when you contact us, but we will never ask you to tell us the entire thing.

Your home computer

  • Try to keep your computer PC secure using anti-virus software and firewalls, and keep them up to date because new viruses are found all the time. Two popular packages are from McAfee ( and Norton ( Install the latest security updates to your system software as they become available.
  • Make sure you know who you are dealing with online. Always access the AP Franklin Internet Banking service by typing in the exact bank address. Never enter a banking site via another link. This applies to any computer that you use.


  • Don't send account details or personal details by internet email because there's always a risk it could be intercepted on the way.
  • Do not reply to, or use links within emails asking for your personal password and Access Code. Nobody needs to know them except you - not even us.
  • Be wary of "spam" emails - especially those offering you the chance to make money and those originating from outside the Estonia. Spam emails are, at best, a nuisance - the electronic equivalent of junk mail - and at worst, sent by unscrupulous people trying to defraud you.

Using other computers

  • When you access your accounts or apply online be extra vigilant and keep an eye on who's watching your screen.
  • Never leave the computer alone while you are logged into the AP Franklin e-Banking service.
  • Using a computer in an internet cafe or using a public Wi-Fi (wireless) internet connection poses some security problems. Always make sure you log off successfully when you have finished, close down your Internet browser once you've logged off. Simply disconnecting from the internet itself isn't enough. Learn how to avoid the risks by following this link;
    For your added protection, if you have been inactive after 10 minutes online with us we will automatically log you off.
  • Protect your passwords by taking the following precautions; before going online using Internet Explorer click Internet Options on the tools menu, on the Content tab, click AutoComplete. Uncheck the four boxes. When you finish surfing, go back to the same options page and click Clear Forms and Clear Password.
  • When you finish surfing with Microsoft Internet Explorer, click Internet Options on the tools menu. On the General tab, click Delete Files and Delete Cookies. Then click Clear History. This will remove all your password information and prevent it from being accessed without your knowledge. These settings will be different with other browsers, please contact your vendor or administrator for advice.
  • eBanking customers are recommended to use programmes to wipe their hard drives before they sell or give away their PC.
  • If you receive an email purporting to be from AP Franklin and asking you to click on a link to / or to provide personal information about your account, do not follow the link or provide information.

Please check your statements regularly and if you have any doubts about anything, let us know.

If you have any problems, remember our Technical Support Staff are here to help you. You can talk to them on . Alternatively, pop into a branch and ask a member of staff for advice.