(1) By choosing a payment card, you also choose a service package. If you decide to change your payment card, your service package will change too. The card issuance fee and the monthly fee for the card are included in the service package.
(2) Children (students up to the age of 24), spouse or cohabiting partner (1+ year of joint household). 
(3) Free monthly limit of EUR 1,200 is common for all Luminor Black credit cards (including additional cards). 
(4) Free monthly limit of EUR 750 is common for all Luminor Black credit cards (including additional cards) and all Citadele, SEB, Swedbank ATMs in Latvia, and ATMs of other banks worldwide. 
(5) Free monthly limit of EUR 750 is common for all debit cards (including additional cards) and all Luminor ATMs in the Baltics and Citadele, SEB, Swedbank ATMs in Latvia. 
(6) The fee is charged monthly for all debit cards / credit cards (including additional cards) together to the account from which the first cash withdrawal was made in the respective month. 
(7) If the Luminor Black package is activated for the first time between 1 April and 31 May 2025, the monthly fee for the first three months is EUR 3.50. Starting from the fourth calendar month, the package fee is according to the Luminor price list. The monthly fee is calculated for the entire calendar month, regardless of the date of application. The offer is valid until 31 May 2025 or until cancelled.