Become Luminor customer

Make yourself at home

Make yourself at home

Find the payment card that fits your life and your style, discover personalised tips from our expert team, and access the tools you need to reach your goals

Luminor contactless payment cards – find your fit

Luminor Debit
2.40 €/month
The basics covered
- EUR transfers
- cash-out (600 €/mo at Luminor ATMs)

Extra option:
Safety+ service
Luminor Black
5.50 €/month
The new standard
No fee for 3 months*
- EUR transfers
- cash-out (1200 €/mo at Luminor ATMs and 400 €/mo at other banks)
Travel insurance
Purchase insurance

Extra options:
Safety+ service
Priority Pass
- Credit limit
Luminor Infinite
20 €/month
The premium choice
- Customised service
- Wide variety of investment solutions
- Tailored advice from industry leading banking experts
*5.50 EUR/month, with the first three calendar months 0 EUR/month. Offer valid for new Luminor Black cards activated by 31.12.2022. or until revoked.

Join Luminor remotely
using a phone or computer

Authenticate, using your Smart ID Qualified account or eID card

Complete the online form and sign it electronically using your Smart ID Qualified or eID card

Have a short identification video call with one of us. We’ll ask you a few simple questions. Have your passport or ID card ready!

Once we’ve approved your application, we’ll e-mail you the agreements for signing within 1 business day

Applying remotely

  • The option is available for Latvian citizens over the age of 18 with a valid passport or ID card issued in Latvia and a Smart ID Qualified account or eID with electronic signature.
  • You’ll also need a stable internet connection and a device with a good camera.
  • Watch this tutorial to learn how to convert your Basic Smart ID to a Qualified account.

Applying in person

  • If you’re not a Latvian citizen, don’t have an electronic signature, or would prefer to apply in person, please reach out to us by phone +371 67 17 1880 to book an appointment at one of our Customer Service Centres.

More for your Luminor experience

Added safety


For extra peace of mind about your card payments, apply for the Safety+ insurance service.

Learn more

Kids’ account


Manage family finances and teach your kids about spending and saving.

Learn more

Home loan


Whether you’re a first timer or a seasoned property owner, we’re here for you.

Learn more



Make your money work for you and turn your savings into investments.

Learn more

The best is yet to come