Cards
- Received by post: a card received by post can be activated in the full version of the Internet Bank in section Accounts and cards -> My cards. The card received by post must be activated within 90 days. Otherwise, the activation button will be removed from the Internet Bank.
- Received in the customer service centre: if you received your payment card in our customer service centre, you can start using it immediately. The card that has not been issued in a customer service centre will be destroyed.
Reserved amounts are card transactions that have already been deducted from the available balance but are not yet recorded or visible in the account statement system. This amount is deducted from the account upon receipt of confirmation of the card payment from the Payee (Merchant) and then the reservation is released. Reservation is cancelled if no confirmation of the card payment is received from the Payee within 10 calendar days from the date of reservation.
The actual account balance is displayed next to 'Available balance'.
When you click on the visible amount, information about reserved transactions will appear.
Reserved amount cannot be cancelled.
According to the rules of the international payment card organization Visa, the Bank must pay the reserved amount to the Payee (Merchant) upon receiving confirmation of the card transaction. This applies regardless of whether the purchase was made online or at a POS terminal.
You cannot increase the credit limit for the cards, which are no longer issued (for the information on these products see the Pricelist). If you want to increase the limit for your existing card, apply for a credit limit in the Internet Bank section Accounts and cards → My cards filling the application “Luminor Black cards with a credit limit”.
Find out about advantages of the Luminor Black card here.
Find out more about Travel insurance and what you should do in case of an insured event here.
If your card has expired and you have received a renewed new card automatically, your PIN code does not change – it is the same as for your previous card.
A renewed card is activated when you take out cash from an ATM or insert your card in a POS terminal and enter your PIN (PIN stays the same).
In other cases, when a new card has been issued, activate the card and get your PIN in your internet bank or mobile app under “Accounts and cards” > “My cards”.
If you chose to receive your card at a Luminor branch, your PIN will be issued with your new card.
In case you forget your PIN, you can see it in your internet-bank or in the mobile app under “Accounts and cards” / “My cards”.
You can change your PIN at a Luminor ATM.
If you enter your card’s PIN code in the ATM incorrectly three times, the ATM keeps the card. Therefore, you have to order a new card. Go to the full-version of the internet bank, section Accounts and cards → My cards. Then press “Replace card”.
For all VISA cards the daily limit for purchases is € 5000 and for daily cash withdrawal – € 5000 (or its equivalent in another currency) and the limit for cash withdrawal for a period of 30 days is € 20,000 (or its equivalent in another currency).
For safety considerations, the limit for cash withdrawal from ATM, equipped with the magnetic band technology only, is € 350 per day.
The limit for cash withdrawal from a trader (if the trader provides this service) is € 100 per purchase.
We will renew your card automatically if you have used it for settlements in the last three months and it has a note regarding renewal. You can check it in the Internet bank section Accounts and cards → My cards → Restore card.
At least once a month before your card’s expiry date we recommend you to check that the delivery address for your card is specified correctly in the Internet Bank section Accounts and cards → My cards.
We will make your renewed card by date 15 of the month and send it to the delivery place selected by you.
Card delivery costs:
- by post in the territory of Latvia – € 2;
- by post abroad – € 10;
- at a customer service centre – € 10.
Block your card immediately! You can do this:
- in the mobile app by selecting Accounts and cards / My cards / Block card;
- in the internet bank by selecting Account/Cards My cards / set status Block;
- by phone +371 67 17 1880 (24/7).
Please note! If you block the card in the mobile app or via internet bank, you still are able to use the card in your digital wallet (Apple Pay, Google wallet). To block the functionality of digital wallets, please contact the bank by phone +371 67 17 1880 (24/7).
To dispute unauthorised transactions, please fill in the Claim for purchase with a payment card. Please provide all relevant information to start dispute process.
You have the right to dispute a card payment if:
- You have not received the goods or services.
- The received goods or services are not as described or have defects.
- You have been charged more than once for the same purchase.
- You do not agree with the amount charged from your account.
- You have cancelled the subscribed service, but the funds are still being debited from your account.
Please note, to be able to initiate a dispute, first you must try to resolve it with the merchant directly. However, if an agreement with a merchant cannot be reached, we will try to help you to get the paid amount back.
Please fill in an application Claim for purchase with a payment card and provide all the information related to the disputed transaction.
Please submit your request within 60 calendar days of the date the funds were debited from your account. Processing time for your request may take from 35 to 100 calendar days.
Please fill in Claim for cash withdrawal from an ATM and provide all information related to disputed transaction.
The more information you provide (e.g., the date and time of cash withdrawal or deposit, any technical issues noticed with the ATM during the transaction), the sooner we can clarify relevant circumstances and start the investigation.
The final response to your request can only be provided after checking the ATM operation registration log, the cash balance calculated during the collection, and after evaluating other related circumstances. Therefore, once your request is received, it may take some time to process it:
- up to 35 calendar days if transaction was performed at Luminor ATMs;
- up to 100 calendar days if a transaction was performed at other banks ATMs.
Please fill in Claim for cash deposit at an ATM and provide all information related to disputed transaction.
The more information you provide (e.g., the date and time of cash withdrawal or deposit, any technical issues noticed with the ATM during the transaction), the sooner we can clarify relevant circumstances and start the investigation.
The final response to your request can only be provided after checking the ATM operation registration log, the cash balance calculated during the collection, and after evaluating other related circumstances. Therefore, once your request is received, it may take up to 35 calendar days to process it.
In the internet bank section Accounts and cards → My cards → Online purchases (Allow/Do not allow) check that the online purchase function is active.
Also make sure that you have enough funds for the transaction in your account.
If your account balance is sufficient and online purchases are allowed, contact us by informative phone +371 67 17 1880 to learn the reason for the refusal.
Such transactions are subject to a makeup of 3%, which is added to the currency exchange rate at the time of posting of the transaction (when the transaction appears in the account statement).
Take into account that currency exchange is in accordance with the currency exchange rate effective at the time of processing of the transaction by the provider of financial services.
Cash withdrawal with Visa Debit card:
- in Luminor ATMs in Latvia, Lithuania and Estonia up to EUR 750 in a calendar months – without commission fee, while the amounts exceeding EUR 750 are subject to the commission fee of 0.4%.
- in other bank, in ATMs of other banks – 2% of the transaction amount, min. EUR 3.50/USD 4.00 USD (if the transaction currency is different from the currency of your card account).
Go to the internet bank section Accounts and cards → My cards → SMS messages → Review/Change. When you open this section, you can select the SMS settings type you like.
If your card is included in a Service package, the SMS service is free of charge. In other cases, according to the Pricelist.
Follow the steps in the instructions
In case you forget/ do not see your CVV, you can find it in your internet-bank or in the mobile app under Accounts and cards → My cards.
