Luminor Black | Luminor

It’s the perfect time to get Luminor Black

Unlimited euro transfers, accounts, card, travel and purchase insurance
New! Now travel insurance includes car rental excess coverage with a limit of up to EUR 500
Become a Luminor customer, apply for the Black card, make 5 purchases and earn EUR 25 in your account!

*The offer is valid for new customers who apply for a Black card and make purchases from 02.09.2024 until 30.11.2024

Become a customer

Luminor Black* – the new standard

Enjoy your travels

The card comes with travel insurance for you and your family* – both at home and abroad

Feel safer shopping

Free 180-day purchase insurance that covers repair or reimbursement (terms and conditions apply)

Be ready for anything

You get an optional credit limit without overpayment 0% interest rate for up to 45 days

Get funds when needed

Free EUR transfers and free cash out within the limit from Luminor and other banks ATMs worldwide

Manage features online

Activate/disable the card and contactless and online payments, add Safety+, Priority Pass, and more

Become a customer

*0.00 EUR/month for the first 2 calendar months from the moment of activation of Luminor Black package, if the package is activated within the period from 01.11.2024 to 31.01.2025. The first free calendar month is the month when the package is activated. From the third calendar month after the activation of Luminor Black package, the fee will be set according to the Luminor Price List. Offer is valid till 31.01.2025 or until revoked.

How to participate in the Luminor New Customer Bonus Programme

1. Become a Luminor customer as a private individual using this link
2. Order and activate the Luminor Black card
3. Make 5 purchase transactions for unlimited amount during the programme period
4. Luminor will transfer the 25 EUR bonus to your Black card account within a month from the moment of fulfilling the conditions

Find out more about the terms and conditions for receiving the bonus here.

Here’s to safe trips and memorable experiences

Built-in travel insurance for you and your family*

Adventures await – in Latvia and abroad. Go on trips to new cities, countries, continents, and enjoy the safety of always having insurance on you.

Powered by Visa and accepted worldwide – Luminor Black is the sleek, contactless card bound to become your everyday essential.

VISA special offers for your trip
Get your access to a premium collection of benefits from an extensive portfolio of the world’s finest hotels with the Visa Luxury Hotel Collection, if your flight is delayed or canceled, use the service Airrefund.

*Children (students up to the age of 24), spouse or cohabiting partner (1+ year of joint household) travelling together with the card holder.

Apply

Explore travel insurance

Sleek, contactless, customisable

Discover add-ons that complement your lifestyle

Like all our cards, you can add your Luminor Black to your digital wallet.

Luminor Black comes with an optional credit limit starting from € 600 with an interest free period of up to 45 days.

You can also get the Safety+ insurance service for € 0.99 per month as extra security in case of card theft and certain types of fraudulent payments.

For more relaxing, enjoyable travels, discover the Priority Pass membership offer.

The Luminor Black card is valid for 5 years – less hassle and less plastic.

Feel more confident about bigger purchases

Free 180-day purchase insurance

Dropped your phone the day after buying it? Saw your kid break their brand-new bike? These things happen – and with the free Luminor Black purchase insurance, they can be reversed.

The purchase insurance applies to most goods bought for long-term use, including electronics, furniture, sports gear, and tools.

Explore purchase insurance

Already our customer? Order your card remotely

Submit an application in your internet bank under Accounts and cards / My cards

Activate the Luminor Black package in the internet bank under Packages

Get your card in the mail – activate it in your internet bank under My cards

Submit application

Become a customer

New to Luminor? Welcome! Join Luminor remotely or call +371 67 17 1880 to book an appointment in person.

Cash transactions

Cash deposit	Cash-out at a Luminor ATM	Cash-out at other ATMs
Free up to € 1200 per calendar month	Free up to € 1200 per calendar month	Free up to € 400 per calendar month*
2% of a sum exceeding € 1200 (min. € 3.50)	2% of a sum exceeding € 1200 (min. € 3.50)	2% of a sum exceeding € 400 (min. € 3.50)

*Certain ATMs abroad may impose an ATM fee, notifying about it on the ATM screen. To withdraw money without a commission fee, please use another ATM network.
See our price list for more information.

Standard limits for cash and purchase transactions

Daily cash-out limit €	Purchase limit per day (including online) €	Monthly cash-out limit €
5 000	5 000*	20 000

*offline transactions not included in the limit.
If you’d like to change your cash-out and payment limits, send us an internet bank message or call us at +371 67 17 1880. The fees for changing limits are listed in our price list. There’s no fee if the limits are changed to the standard or amounts below the standard.