Card for kids and youngsters - questions and answers
What to do if a child already has an account, but now needs a card and internet bank?
If the child has only an account and no access to the internet bank, then the parent can open the internet bank for the child remotely by following the steps here. If the parent/child’s representative does not have an electronic signature, then the internet bank can also be opened at one of our branches.
If the account is opened and a card is needed, then the parent can order the card via the child’s internet bank (under Accounts and cards / My cards / Order new card).
Is it possible to order a card for the child under the parent’s account? How to do this?
If the additional card user is a Luminor customer, the account owner orders additional card via the internet bank: Accounts and Cards / My cards / Order a new card for other person / If additional card holder is Luminor customer / Enter user’s personal identity number.
If the additional card holder is not a Luminor customer, he / she will need internet bank access to activate the card. Internet bank access should be requested by the parent before (see answer to the previous question).
Additional card’s age limits:
- Luminor Debit available from age 6
- Luminor Black available from age 12
- Infinite (for Private Banking customers) available from age 12
From what age the child can use internet bank?
Internet bank access has no age restrictions, but age can differ for IB identification tools:
- To access the internet bank remotely, the bank will issue a code generator (no age limitations).
- Access to Smart-ID can be provided at the branch as well as remotely (it is necessary for the account to be verified by one of the parents or a legal guardian). Smart-ID itself has no age restrictions for its users but age limits have been set depending on the Smart-ID account type and authentication method chosen.
Is it possible to open an account for children under 6-years-old?
Yes, but the card is available only from the age of 6.
How can parents change internet bank limits/rights for the child after account opening?
The parent via child’s internet bank needs to fill in one of these applications:
Internet bank / Applications / Internet bank / Change existing user settings / Change payment limits / Change rights.
What are the travel and purchase insurance rules for my child’s Luminor Black?
- A child is a person under the age of 18 (except persons who have been deemed by the court).
- Travel insurance rules and limits apply regardless of the card holder’s age.
- Purchase insurance rules and limits apply regardless of the card holder’s age.
- In case of an insured event, the claim can only be submitted by a child’s parent or legal guardian.
What are the cash-out and payment operation limits applied to payment cards
| Kid's age |
Daily cash withdrawal limit |
Purchase limit per day (including online) |
Monthly Cash withdrawal limit |
| 6-15 years |
EUR 30 |
EUR 150* |
EUR 300 |
| 16-17 years |
EUR 30 |
EUR 700* |
EUR 700 |
*The imposed limits do not include the transactions conducted without making sure by the recipient whether the funds on the account are sufficient to make the respective transaction (so‑called off‑line transactions).
