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Customer support
Contacts

Payment cards

Ordering and delivering
Visa DebitLuminor Black (2)Luminor Visa Infinite (7)
Card opening €4 Free Free
Card renewing, closing Free Free Free
Monthly fee for provision of a main card (1) €2.50 (2) €5.50 (3) €20
Monthly fee for provision of an additional card €1.70 €3.50 €20
Monthly fee for additional card (children 6 to 18 (not incl.) years of age) Free €3.50 €20
Delivering the card
- by post to address in Latvia €2 €2 €2
- by post to address abroad €10 €10 €10
- to the Customer Service Center (4) €10 €10 €10
Replacing the card
- when card is replaced before the expiry date €5 €5 (without Priority Pass); €10 (with Priority Pass) (5) €5
- additional fee for express issuing (6) €30 €30 €30

(1) Card - means both debit card (for example Visa Debit) and credit cards (for example Luminor Black, Luminor Visa Infinite).
(2) Visa Debit card is available only with Luminor Debit package. The fee listed is for a package.
(3) Luminor Black card is available only with Luminor Black package. The fee listed is for a package.
(4) The fee is not applicable if the Customer pays the fee for an express issuing of the Card.
(5) When replacing a Luminor Black card to which a Priority Pass is linked, both cards are replaced.
(6) If the card is ordered on a business day by 12:00 AM, it will be delivered to Customer Service Center in Riga within 5 hours, and outside Riga within Latvia on the next business day.
(7) New Luminor Visa Infinite credit cards are not issued from 02.05.2024.

More information about Payment cards can be found here and about safe usage of Payment cards here.

Payments and cash
Visa DebitLuminor BlackLuminor Visa Infinite
Conversion fee for paying in different currency than account currency (1) 3% 3% 3%
Cash withdrawal:
- Luminor ATMs in Baltics Free up to €750 per calendar month (2), 0.4% of the sum exceeding €750 (3) Free up to €1200 per calendar month, 2% of the sum exceeding €1200 (min. €3.50) Free up to €2000 per calendar month, 2% of the sum exceeding €2000 (min. €3.50)
Citadele, SEB, Swedbank ATMs in Latvia Free up to €750 or 5 transactions per calendar month (2), 2% of the sum (min. €3.50) exceeding €750 or 5 transactions (3) Free up to €750 per calendar month (4), 2% of the sum exceeding €750 (min. €3.50) (5) Free up to €1000 per calendar month, 2% of the sum exceeding €1000 (min. €3.5
- other ATMs in Latvia and foreign countries 2% of the sum (min. €3.50) Free up to €750 per calendar month (4), 2% of the sum exceeding €750 (min. €3.50) (5) Free up to €1000 per calendar month, 2% of the sum exceeding €1000 (min. €3.5
Cash deposit
- Luminor ATMs in Latvia (6) Free up to €2000 per calendar month, 0.2% of the sum exceeding €2000 Free up to €1200 per calendar month, 2% of the sum exceeding €1200 (min. €3.50) Free up to €2000 per calendar month, 2% of the sum exceeding €2000 (min. €3.50)
Balance enquiry
- from Luminor ATMs Free Free Free
- from other ATMs €0.50 €0.50 €0.50

(1) Conversion fee is added to the currency exchange rate.
(2) Free monthly limit of €750 is common for all debit cards (including additional cards) and all Luminor ATMs in the Baltics and Citadele, SEB, Swedbank ATMs in Latvia.
(3) The fee is charged monthly for all debit cards (including additional cards) together to the account from which the first cash withdrawal was made in the respective month.
(4) Free monthly limit of €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) The fee is charged monthly for all Luminor Black credit cards (including additional cards) together to the account from which the first cash withdrawal was made in the respective month.
(6) The calculation is made based on transactions carried out within the month.

More information about Payment cards can be found here and about safe usage of Payment cards here.

Credit
Visa DebitLuminor BlackLuminor Visa Infinite
Credit limit annual interest Not applicable 18% 14%
Changing the credit limit Not applicable Free Free
Interest free period Not applicable Until next month's 15th date (1) Until next month's 20th date

(1) 0% interest rate for up to 45 days.

More information about Payment cards can be found here and about safe usage of Payment cards here.

Other services
Visa DebitLuminor BlackLuminor Visa Infinite
Annual interest on unauthorized debit balance 25% 25% 25%
Priority Pass lounge visits (1)
- the first three single visits per year Not available €28 each Free
- starting from fourth visit Not available €28 €28
Priority Pass ordering and maintenance
- Opening Not available €15 Included in card monthly fee
- Replacement Not available €10 Included in card monthly fee
- Annual fee (starting from the second year) Not available €15 Included in card monthly fee
Delivering the Priority Pass
- by post to address in Latvia Not available Free Free
- by post to address abroad Not available €10 €10
Changing card standard withdrawal or purchase limits via Customer Support or at the Customer Service Center €10 €10 €10
Issuance of copy of the receipt for a transaction €25 €25 €25
Closed Card account maintenance (first to be charged one year after the customer’s written notice on the Card closure) €40 per year N/A N/A

(1) Cardholder can bring additional guests to lounge every time cardholder visits lounge. Companions' visits are counted as separate visits.

More information about Payment cards can be found here and about safe usage of Payment cards here.