Credit cards with credit line MasterCard Business (New Cards are not issued, renewed and replaced) | Luminor
Provision of credit card (maintenance)
SERVICEPRICE
Card account currencyEUR
Monthly fee for Card maintenance*
- MasterCard BusinessEUR 5,00
PIN code reminderEUR 1,00

* The monthly fee for the Card service is due starting from the next month after the month when the Card was made and shall be paid (for the previous month) on the date on which the Card was made.

NB! This section applies to cards, that are attached to account number with letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).

Card transactions
SERVICEPRICE
Cash withdrawal at ATMs in Latvia and abroad*2,0% of the transaction amount, min, EUR 3,50
One's own Account crediting through an ATM of Luminor (Latvia) by Card ( also in case several Cards are used for the account crediting)
- below EUR 10 000.00 in a calendar monthFree of charge
- above EUR 10 000.00 in a calendar month0,2% of the transaction amount exceeding EUR 10 000 (or an equivalent in USD)
Purchases within the borders of Latvia and abroad**Free of charge
Currency exchange mark-up***3,0% of the transaction amount

* Cash withdrawal limit from ATMs:
- Daily limit: for MasterCard Business Cards EUR 5 000.00.
- Limit over 30-day period for any type of Card is EUR 20 000.00.
- Cash withdrawal limit from ATMs equipped only with magnetic stripe reading technology - EUR 350.00 a day.
- If Card account currency is not euro, cash withdrawal limits from ATMs specified in this section are converted into the Card account currency according to the euro reference exchange rate published by the European Central Bank at the beginning of each relevant period in compliance with the regulations for application of this exchange rate set in the General Regulations on Transactions of the Bank.
** Purchase limit - EUR 5,000.00 a day.
*** Currency exchange mark-up is added to the currency exchange rate (reference exchange rate) applicable to the transaction executed with the Card, if the transaction currency differs from the card account currency.

NB! This section applies to cards, that are attached to account number with letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).

Information on card transactions
SERVICEPRICE
SMS info EUR 0,09 per SMS text
Information on Account balance demands at ATMs
- in ATMs of Luminor (Latvia)Free of charge
- in ATM of other banks (if service is available)EUR 0,50

NB! This section applies to cards, that are attached to account number with letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).

Credit line
SERVICEPRICE
Annual interest rate on loan18%
Loan maturityUpon expiry of the Сard
Annual interest on loan for overdue payments36% p.a.

This rate is informative.

NB! This section applies to cards, that are attached to account number with letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).

Other fees
SERVICEPRICE
Interest on unauthorized debit balance36% p.a.
Increase of standard cash withdrawal and purchase limitsEUR 5,00
Fee for processing of an unsubstantiated claim if the cardholder has provided false information to the Bank that is endorsed by a third party; or a request from a trader of a transaction approval documentEUR 15,00

NB! This section applies to cards, that are attached to account number with letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).