Do you have a Basic Smart‑ID account? Watch a video tutorial on how to convert it to a Smart‑ID Qualified Electronic Signature (QES) in the Smart‑ID app within a couple of minutes.
Yes, if you are over 18 years old and a resident of Latvia.
HD webcam and microphone
Web browsers: Google Chrome, Mozilla Firefox, Apple Safari or Opera
Operating system: Windows, macOS or Android
Working hours for video consultation: Mon‑Fri 8 am – 8.30 pm; Sat 9 am – 7.30 pm
Basic set, 2.20 € a month
With the basic set, you don't have to worry about fees for daily transactions or cards. For one monthly fee you will get the daily transactions offered by us – unlimited transfers and purchases in €, cash withdrawals in Luminor ATMs in the Baltics within the limit free of charge, and Luminor debit card.
Luminor Black set
Discover the benefits – free cash withdrawals in ATMs around the world within the limit, travel insurance for the whole family, Luminor Black credit card with a credit limit for bigger purchases, unlimited transfers and purchases in €.
Terms & Conditions
Basic payment account opening for natural persons
Background information on the protection of the state-guaranteed deposits
Information for customers on switching payment accounts in Latvian
Fee Information Document
Standardized terms of services and their definitions (Glossary)
Your rights when making payments in Europe
Application to redirect salary payment to Luminor